Consumer complaint received 2019-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
In, XX/XX/2012 I was behind on my mortgage then I found OHSI. They were helping me become current and reinstate my loan. I called the servicer multiple times for help and they denied me loan and they are required to follow rules they went against those rules and forced me into foreclosure. This was after they accepted the first part of the program in the form of payments. They dual tracked the loan twice and they did not send modification documents timely so I could accept the offer after I had made the trial payments successfully. 
Then when in litigation my attorney who did not defend me accurately I was told to retain by the judge had taken my discovery documents and kept them until 4 months after the trial. This made it so I could not argue anything at trial. He did not bring up my defenses at trial I had given him. They allowed a color copy of the note to be passed as the original signed note so that the bank would have standing. This is fraud in the biggest way and our banks are perpetrating it. The courts are just bending over too. 
Now I know if I was to create a document and use it in court I would be thrown in jail. But not the banks. 

I am tracking down the original note and I am going to find it will this prove that the document the bank is using if a forgery color copy. They have paid off some people or something. The crime here is unbelievable. And they are allowed to get away with it. i would not believe it if it was not happening to me. I was raised to trust these people they are robbing us blind. 

I now have filed a motion for a new trial only I can not afford an attorney I have to defend myself. I am XXXX and this is not easy for me to do. 

I can not believe they are allowing the banks just to go against the very grain of the law and take my homestead from me. I did what it took to reinstate and make right on a loan they did not even fund. They are only the servicer acting like they have standing. To use a fraudulent document as standing only shows me they have no standing. Why dont the police go arrest them for possession of a forged document. They would me. 

This is not fair in anyway because they are taking the only thing I worked hard for and not even fairly. I did not just sit and stay for free they delayed until the arrears made it so I could do nothing. Please help me. This has caused me XXXX and illness and I worked hard for what I have. Can they really take my home by way of fraudulent documents. I received a document that said the note holder was recontrust not the servicer and then the document disappeared. I have included the documents I downloaded before it disappeared. 

And when I brought up the fact that there are three different settlement statements from closing something is wrong. My loan that was never funded by the servicer is full of fraud and lies. There are two sets of closing documents even. I have attached the settlement statements and then one from the title company that they sent me.

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