Consumer complaint received 11-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Credit decision / Underwriting

Complaint: WE ARE IN THE " NOTICE OF TRUSTEE SALE '' STAGE OF THE FORECLOSURE WHICH SALE DATE IS XXXX/XXXX/XXXX, 19 DAYS FROM TODAY. WE HAVE BEEN TRYING OFF AND ON FOR 7 YEARS TO GET THIS TAKEN CARE OF AND STILL HAVE N'T FOUND THE RIGHT PEOPLE TO EVEN ACT LIKE THEY CARE LET ALONE SQUASH THE LOAN AND TAKE CARE OF THE COMPANIES WHO CAUSED ALL OF THIS IN THE FIRST PLACE. 
COUNTRYWIDE/BANK OF AMERICA-XXXX., ALTERNATIVE LOAN TRUST XXXX, MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX, XXXX REAL ESTATE AND COUNTRYWIDE HOME LOANS, XXXX AS THE LENDER, XXXX, XXXX XXXX XXXX WHICH ARE ILLEGAL/ BAD LOANS AND WERE SUPPOSE TO BE CLEARED BY BANK OF AMERICA ALONG TIME AGO PER MY PHONE CONVERSATION WITH THE XXXX OFFICE IN XXXX XXXX, NV.XX/XX/XXXX. 
IT IS XXXX OF THOSE BAD LOANS THAT IS NOW TRYING TO HAVE A TRUSTEE SALE XX/XX/XXXX, THIS IS THE 7TH TIME WE HAVE BEEN HARRASSED IN REGARDS TO SOMEONE TRYING TO FORECLOSE ON OUR HOME THAT OUR FAMILY HAS BEEN IN FOR OVER 50 YEARS.HERE. MY BROTHER AND I WERE BORN AND RAISED IN OUR HOME. 
THE SECOND MORTGAGE WAS ALREADY SQUASHED XX/XX/XXXX BY THE DEPARTMENT OF JUSTICE AND THE STATE XXXX OFFICE. BANK OF AMERICA WAS ORDERED TO GIVE A FULL FORGIVENESS OF THE REMAINING PRINCIPAL BALANCE OF THESE LOANS AND DID THAT XXXX OUR 2ND MORTGAGE BUT APPROX. 7 BUSINESS DAYS PRIOR OF THE ACTUAL PAPERWORK WAS COMPLETED, OUR FIRST MORTGAGE WAS ASSIGNED/TRANSFERRED TO ANOTHER SERVICER. WHICH NOW IF WE CALL BANK OF AMERICA THEY HAVE NO RECORD OF TALKING TO US, NO INFORMATION WHATSOEVER ON THE FIRST OR SECOND MORTGAGE IN REFERENCE AND STATE THEY HAVE NEVER DONE BUSINESS WITH MY FAMILY. WE HAVE INTIMIDATED, HARRASSED, LIED TO SO MANY TIMES WE STOPPED COUNTING ABOUT 7 YEARS AGO. WE HAVE NO FAMILY LEFT AS OUR MOTHER PASSED IN XXXX OF THIS YEAR RIGHT WHEN THIS CURRENT FORECLOSURE ATTEMPT WAS INITIATED. NO LOANS PAYMENTS HAVE BEEN MADE SINCE XXXX AND UNTIL NOW, AFTER MY MOTHERS DEATH, SHE WAS THE ONLY ONE ON THE LOAN. PLEASE SEE ATTACHED LETTERS AND SUPPORTING DOCUMENTS PROVING THESE ISSUES STATED IN THIS COMPLAINT. 
PLEASE, PLEASE HELP US UP HOLD THE LAWS IN REGAGRDS TO THIS AS WELL AS ALLOWING US TO KEEP OUR HOME, WHICH WAS COURT ORDERED BACK XX/XX/XXXX WHEN MY MOTHER BECAME A XXXX BECAUSE OF A XXXX XXXX THE SIZE OF A XXXX ON HER XXXX WHICH WAS DISCOVERED WHEN SHE TRIED TO XXXX BECAUSE OF HER MORTGAGE PAYMENTS. THEY EXCEDED HER MONTHLY INCOME AT THE TIME OF CLOSEING BY $ XXXX. THIS DID NOT EVEN INCLUDE UTILITIES AND FOOD FOR HERSELF AND HER XXXX XXXX SONS. 
WE ARE RUNNING OUT OF TIME AND ARE MENTALLY AND PHYSICALLY DRAINED IN REGARDS TO THIS ISSUE. WE HAVE EXPLAINED OUR SITUATION OVER AND OVER AGAIN TO MANY ENTITIES MOST OF WHICH DO N'T EVEN ACT LIKE THEY CARE LET ALONE LIFT A FINGER TO HELP. 
THANK YOU IN ADVANCE WITH YOUR PROMPT ATTENTION IN THIS MATTER. ATTACHED ARE OVER XXXX SUPPORTING DOCUMENTS AND/OR VIDEOS PROOVING EVERYTHING STATED ABLOVE AND PROVING THAT THIS IS OUR HOME. MY FATHER MADE SURE IT WAS FREE AND CLEAR PRIOR TO HIS DEATH. 
MY PHONE NUMBER IS XXXX-CELL AND MY HOME NUMBER IS XXXX. MY E-MAIL : XXXXXXXXXXXX MY BROTHER XXXX XXXX, CELL NUMBER IS XXXX. HIS E-MAIL IS : XXXXXXXXXXXX. 
PLEASE CONTACT ME AS SOON AS POSSIBLE. WE APPRECIATE ANY AND ALL INPUT AND RESOLUTION THAT WE KNOW YOU WILL PROVIDE. 
SINCERELY, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation