Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I've attempted to submit on line many times, Called and was told there were issues in the system for the past few months, and to try again. so the attachments contain my responses to both the Questions ( boxed ), This Mortgage Contains at Least 3 Modifications that are absolute examples of Predatorial lending. Upon Purchase of our mortgage BOA. 
Changed to Loan terms to a Balloon. 
The Loan was a 30 year fixed. without discussion or explanation they flipped the terms of the mortgage to a Balloon ( never would I have agreed to this term period ) Had considerable Hardships ( XXXX had XXXX XXXX  XXXX, XXXX and successful XXXX XXXX treatment. Heathy XXXX free thank XXXX!, she currenty is treated for side effects the treatment has been constant for 17.5 years. 
When we needed a modification it was early in the program and I was going nowhere with BOA. 
I can provide the following documents. 
Letter to President Obama, ( we Had met at an event. He spoke at a fundraiser for for the XXXX XXXX XXXX XXXX XXXX center ) I was the chair for the Board. He spoke 14 months prior to taking office. 
Response from President Letter from the treasury Letter from the FHA Letter from CFPB ( white house opened file w/you ) Contact information for Mr XXXX office of the president BOA -Seattle WA XXXX 
All warrened of predatorial Lending. 
When BOA purchased the loan ( 30 year fixed ) and flipped the terms they changed the date of their mortgage to the XXXX start date of my 30 year fixed ) burring that mortgage like it didn't exist .On every modification they just added to the principle and restarted interest heavy payments. They hammered us each time. never a payment reduction, principle reduction. or interest reduction. This is pretty outrageous. They have not lost a penny on this mortgage period. That isnt my intent I have always wanted to keep my home and PAY FOR IT. 
BOA sent me a letter when I contacted them about the covid relief, Lost my Job due to covid. the letter says that in XXXX ( XX/XX/XXXX was the end of the 30 year fixed loan they flipped ) at that point I would be responsible to re finance {$230000.00}. original 30 year fixed ( I have a copy of this mortgage - they flipped ) was {$320000.00} when they purchased they added {$5000.00} to principle to {$330000.00} That's {$94000.00} in principle credit in 30 years. ( there are also additions of {$85000.00}. 
XXXX, XXXX additional fee's. ) Page 1 attachment show 's payments made. 17 years - $ Taxes. Ive paid in XXXX. They did me no favors and REALLY NEVER HELPED- JUST ADDED TO THE SITUATION. 
After 19 years in this home .... I am upset this is CRIMINAL as of last XXXX the original balance of the 30year fixed loan would have been {$210000.00}. Please help Us I know Laws have been broken and they should be fined On Multiple ocacations I have requested 1st day to present Loan documentation I was told I would recive in 10 weeks, that was XX/XX/XXXX called many times never recived, THATS AGAINST THE LAW. I have many pages of documents modifications / Letters- Im Loaded and coming strong

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