Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
PLEASE SEE FULL XXXX PAGE COMPLAINT ATTACHED COULD NOT FIT FULL COMPLAINT IN SPACE ALLOWED Bank of America and XXXX XXXX XXXX have bullied, harassed, intimidated and frauded us. Bank of America since, XXXX, and XXXX XXXX XXXX since, XXXX. The final harassment by Bank of America, escalated on or about XXXX XXXX, when I suffered severe illness due to receiving erroneous documents from their counsel. More importantly, when questioning both servicers about violations of the Real Estate Settlement Procedures Act, 12 U.S.C. XXXX, as well as the extensive criminal activity and fraud that has taken place on our BOA in house modification combined with their servicing of our home mortgage and XXXX XXXX XXXX XXXX, servicing of our mortgage. This qualified written request is about more than poor customer service by BOA, but of a systematic home loan servicing scheme that includes hours of telephone runaround, misleading and inconsistent information, lost correspondence, verbal abuse, and extensive delay, all of which have documented costs not only in terms of money, but in health. Review of our complaint will show BOA operated in bad faith, fraud and deceit when denying us for several " HAMP modifications and forcing us into their in-house modification. Due to having a terminally ill husband and suffering from the effects of BOA 'S harassment what we did n't realize until now, is Bank of America fraudulently placed their company as the lender on their in-house modification. In addition, after reviewing documented conversations and written documents from BOA, we feel BOA, only launched this calculated scheme, targeting only certain homeowners that met certain conditions and therefore discriminating against us. In an attempt to cover the fraud our loan servicing was then transferred to XXXX XXXX XXXX. Therefore, this is a formal complaint and qualified written request against Bank of America and XXXX XXXX XXXX. On several occasions, we have filed multiple, qualified written request, notifications of the fraud on BOA in-house modification, notifications of errors, notifications of understating and posting beginning escrow account on in-house modification, notifications of five ( 5 ) misappropriated payments, notifications of inappropriate collections of miscellaneous fees combined with requesting the purpose and description for the collection of these fees, notifications of erroneous late fees, notifications of the negative impact of the retroactive forced placed insurance that produced a compounding ripple effect of damages that included : inappropriate collections of fees, reversals of mortgage payments, increases in mortgage payment, erroneous restructuring of almost a year of mortgage history, erroneous mortgage statements and erroneous periodic billing statements. Moreover, BO A and XXXX XXXX XXXX have not provided necessary corrections within a timely matter or logical and professional responses. In fact, the resolution process provided by BOA was to create a fraudulent short sale request - never requested by us and to transfer the loan to their conspirator " XXXX XXXX XXXX '', in an attempt to cover the massive criminal activity and fraud. 
BAC HOME LOANS, kept sending erroneous notices regarding numerous payments behind. For several months in XX/XX/XXXX, we would make two and sometimes three payments in a month. The harsh reality was this was a scheme and no amount of payments would have ever brought the mortgage current although in actuality the mortgage was paid ahead. On or about XXXX XXXX, BOA HOME LOANS locked us out of the BOA computer account system and have denied us access to our loan. XXXX XXXX XXXX continued this process.

Company response to consumer: Closed with explanation