Consumer complaint received 2018-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX, and recently I was offered a modification trial period that simply I was not in a financial position to live up to. However, I can maintain a consistent payment history starting XX/XX/XXXX. Since I am a proud XXXX XXXX  woman, I have always lived a life within the rules when it came to fiscal responsibility. Over the past year I have faced multiple financial set backs that I believe your office will understand what the basis was for the recent financial hardship. 

1. My income from fiscal years XXXX through XXXX shows a drop in yearly income in excess of {$18000.00}. This was caused due to a reduction in overtime with the state of New Jersey. 
2. This past XX/XX/XXXX I was injured at work, which eventually brought on a XXXX in XX/XX/XXXX. This injury to my XXXX was very difficult to deal with on a personal level. My income from workmans compensation was not simply wasnt enough to cover my monthly expenses. That has changed and the attached paystubs show that even with the loss of several months of income, I am projected to earn over {$60000.00} for fiscal year XXXX. 
3. By Bank of America checking my credit you will see that I am now in the process of resolving a few charge offs and several medical bills. Most of these medical bills will be covered when my health insurance straightens out their responsibilities. The posting of medical collections so quickly s a  violation of the Consumer Financial Protection Bureau mandate to all credit bureaus on a XX/XX/XXXX agreement with all three credit reporting agencies that medical collections can not be posted until a 180-day timeline is established. I am filing separate protests on this abusive collection process with the CFPB. 
4. I am now back to work full time and my projections are to settle all charge offs by XX/XX/XXXX, and to start making my Bank of America payments on that date. 
5. I have an individual that is working with me without compensation on obtaining a restructured payment arrangement and possibly a reduction in interest rate. His power of attorney is attached as well. 

I understand that Bank of America is currently associated with two lawsuits based on systematic racism and other levels of discriminatory practices. It is not important to me at this time what the internal problems are with one of Americas largest banks. What I am interested in is being treated fairly in obtaining a modified mortgage with a more reasonable payment option. I am rebuilding my credit and at the same time healing from the XX/XX/XXXX XXXX. My perspective is quite clear, that I have always lived my life with the highest integrity. However, after several set backs that I will not get into other that what was already explained. I am now coming back stronger than ever. 

Please respond back to me immediately. If your office needs copies of my recent medical issues I will forward them immediately.

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