Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I like to file a complaint against Bank of America with unethical banking practices and hopefully an illegal method of handling a government program application. In XXXX of 2015, I had applied for MHA with Bank of America because of the hardship I 'm experiencing. I am and have been on Workman 's Comp and also for the past 2 years. I had previously applied for the program and they wanted me to refinance my mortgage at a high interest rate for 40 years. It was a fools contract. It was recommended by the account manager that I should reapply for the MHA program, which I did in XXXX.I filled out the necessary forms and summited the requested paperwork such as bank statements and tax forms. Within a couple of weeks the account manager stated that I qualified for special government program and they are reviewing my applications for the program. At that point thats when Bank of America started stalling. The state that the underwriters did not know what Workman 's Com was and that I should fax in an award letter. I stated that there was n't an award letter. I was n't on XXXX. So they requested me to summit a statement stating that I was on Workman 's Comp. Also had me fax in more pay stubs. Then weeks went by and the account manager would call occasionally to say that they are still reviewing my application. After a couple of months they wanted me to send in my bank statements again. There was a couple of occasions that the account manager was not available because she was on vacation and also a week when she was sick. I had called requesting to speak to the account manager the agent that answered the phone stated that the manager was not available and that she could help. I explain because of the complexity of the situation that I rather deal with XXXX person. The representative that I spoke to acted like she was insulted so I asked her about my application. She checked and said that I have n't submitted any documents that was requested. I had told her thats exactly why I did want to talk to a third. She had no idea of the correspondence that had transpired. Then in the beginning of XXXX I got a called stating that the underwriters were finalizing the paperwork and that it will be in 2 day and that she will call me when everything was in order. I waited a week and heard nothing. I called to see what the situation was and was notified that the account was giving to another mortgage company and that all paperwork was to be forward to them. I requested on several occasions to speak to the account manager before the account was transferred and they had scheduled her to return my call. She never did. I called the new company and they had said that Bank of America did not transfer all the correspondence and they also have no idea of the outcome of my application or even if the actually did anything with my application. Also according to the rep at the new company that a decision is normally made within 30 days of when all the paperwork was submitted. 
Also want to preface that when they wanted me to accept a 40 year mortgage I was to pay a trial payment for thee months. I paid XXXX and told account manager that i do n't want to make the last of XXXX payments because i do not want to accept the 40 year package. She acknowledged. She did n't mention how much or even make monthly payments since I was applying for relief. It was also known that I could n't make the original monthly payment amount, that 's also why I applied for relief. 
It 's ashame when you request help from an supposedly reputable company that the would use trickery and deceit. They were stalling knowingly that they were going give my account to another company.

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