Consumer complaint received 2017-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Master Servicer  Bank of America has discriminated against us by denying us a HAMP Modification based on  one  or more of the following : race, color, national origin, religion,  sex,  familial status or disability, handicap.   Bank of America has discriminated against us by denying our  Hamp Modification  and intentionally committing the following violations : Refuse to negotiate for housing/Hamp Modification/Modification Set different terms, conditions or privileges for sale or rental of a dwelling Falsely deny that housing is available for inspection, sale, or rental Refuse to make a mortgage loan/Hamp Modification/ Refuse to provide information regarding loans/Hamp Modification/Modification Impose different terms or conditions on a loan, such as different interest rates, points, or fees Discriminate in appraising property Refuse to purchase a loan or Set different terms or conditions for purchasing a loan. preparing, executing, notarizing, and presenting false and misleading documents, filing false and misleading documents with courts and government agencies, or otherwise using false or misleading documents as part of the foreclosure process  ( in cluding, but not limited to, affidavits, declarations, certifications, substitutions of trustees, and assignments ) ; and preparing, executing, notarizing, and filing affidavits in foreclosure proceedings, whose affiants lacked personal knowledge of the assertions in the affidavits and did not review any information or documentation to verify the assertions in such affidavits. This practice of repeated false attestation of information in affidavits is popularly known as robosigning.   In Addition : Bank of America has done the following to us : Threaten, coerce, intimidate or interfere with anyone exercising a fair housing right or assisting others who exercise that right Advertise or make any statement that indicates a limitation or preference based on rac e, color,  national origin, religion , sex,  familial status, or handicap. This prohibition against discriminatory advertising applies to single-family and owner-occupied housing that is otherwise exempt from the  Fair Housing Act.      Aproximately  XXXX  to  XXXX , we have filed numerous  HAMP Modification Packages  wit th Master Servicer Ba nk of America and  Subservicer   XXXX   XXXX   XXXX   Although, NACA  only excepted full  Hamp Modification Package  request, Bank of America sent numerous  Hamp Modification  denials after we submitted full Hamp Modification Packages. Moreover,  NACA  had already evaluated the  Hamp Modification Package  and prequalified us before submitting the Hamp Package through Bank of America.  NACA  became so frustrated with Bank of America denying the  Hamp  modification packages that  NACA  filed a complaint with the Consumer Financial Protection Bureau on our behalf.   Approximately between  XXXX  and  XXXX ,  Master Servicer  Bank of America and sub servicer  XXXX   XXXX   XXXX  denied us for a HAMP modification packages due to the following : Incomplete paperwork, Due to our income being from  disability  Bank of America Placing themselves on the permanent inhouse modification package as the lender and Bank of America was never the lender,    XXXX   XXXX   XXXX   was the lender and had gone Bankrupt therefore, Bank of America place d itself as lender on a loan that Bank of America never financed, and was never the Note Holder or the Deed Holder.   Bank of America filed fraudulent documents with State government agencies, with federal government agencies, Secretary of State in Arizona, Consumer Financial protection bureau, and through the United States Postal Service.

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