Consumer complaint received 05/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I want to file a SECOND Complaint against Bank of America for the deceitful, dishonest and corrupt method in which they have continued to processed my loan modification, which resulted in another denial. I have faxed all requested and repetitive documents to the loan modification department for quite a lot of month, turning into several years. I was constantly transferred to different Bank of America representative / agents, I believe this is clearly a violation of the HAMP Eligibility program codes 3.1 & 3.2 ( Protection Against Unnecessary Foreclosure ) - ( Suspension of Foreclosure Proceedings in Process ) and codes 4.1 & 4.2 ( Single Point of Contact ). 

My husband, a Veteran of XXXX, suffered illnesses as a result and was diagnosed with a medical condition making it impossible for him to work causing a horrendous hardship. I believe as a Veteran he should be given special consideration per the Veteran 's Administration 's own guide lines. XX/XX/XXXX I desperately call my lender/ servicer Bank of America requesting assistance with our loan due to my husband 's illness. I implored for help I was distressed and anguished, this entire process has become a nightmare. I truly believe once I followed their directive I would be approved for a loan modification, I have continued to plead with Bank of America and explain our difficult situation to no avail. 

In addition Bank of America has persisted to deny our loan modification ; I presume Bank of America 's action is to make it unworkable, impossible for us to get a loan modification under the HAMP program making it impossible for us to keep our home. 


I strong believe Bank of America is not in compliance with the government standards and codes, therefore I ask that you apply your regulatory authority and re-evaluate Bank of America polices and their process of assisting home owners with the modification under the Making Home Affordable ( HAMP ) program, it is my believe their underlying guide lines contains misrepresentation, deception and violation of The Truth in Lending Act-TILA this is federal law was enacted XX/XX/XXXX with the intention of protecting consumers in their dealing with lenders and creditors. 

Furthermore I think Bank of America is in violation of the guide lines of the Emergency Economic Stabilization act of XX/XX/XXXX and Foreclosure Relief Act of California Senate SB 1137 and Cal.Civ.Code 2926.5 & 2924 and I fall within the aforementioned guidelines. 

The lack of willingness to assist home owners, specifically those who have served our country and suffered gravely illness and are the Veterans of XXXX and are going though a crisis, this should not be tolerated by your organization. Bank of America has demonstrated once again we are insignificant to them they lack customer value and fail to respect our Veterans of XXXX in crisis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation