Consumer complaint received 2024-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had been paying every month my mortage payment until I got XXXX XXXX. I was by my self with my XXXX kids in XXXX because my husband was in XXXX. Then XXXX of my sisters died because of XXXX and I had to bring my mother to my house because she could not be alone without my sister that passed away. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This issue caused me lots of problems because my mother then got a XXXX and was sent to the XXXX where only I could support her. After surviving the XXXX, she then needed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It took me more than 6 months to attend to her in XXXXXXXX XXXX. This also caused me lack of money to pay Bank of Amercia, they offered a deal for me to be excused not having to pay for one year but they did not explain to me that they were going to charge me much more interest on that issue. They even added an insurance company to the account charging extra unapproved, it was for water flund insurance for the house. The construction of the house was created was much higher than the road in front. There is no way this house could flood, because it is approximately 8 feet higher than the road in front of the house. 
Besides that charge they also paid the property taxes and charged more interest due to the payment. This issue set me up so much. 
Then my oldest sister also dead last year, another heart breaking reality. She was visiting from XXXXXXXX XXXX and had to go the XXXX. She then had so many XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I also have a son that was born on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. He was tested and it was confirmed when he was XXXX XXXX XXXX. One visit in XXXX a doctor told me that he would die at the age of XXXX XXXX XXXX and I cried so much. I then took him to another location and a lady told me that he would never talk, read, or anything positive. There were so many problems at where I lived because there was no area for XXXX XXXX and that was in XXXX XXXXXXXX XXXX I looked for a location recommended by his doctor and it was in XXXX XXXX XXXX XXXX XXXX ) and that did help so much. He then started to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He does not have a single friend, he does not eat in front of anyone, he does not get involved with his cousin 's, uncles, my family or anyone else. He doesn't even want to hangout with his XXXX brothers. 
Do to the XXXX  in XXXX Texas I purchased a mobile home for my boys could attend school in XXXX, near XXXX Texas. After renting a lot for the mobile home I was able to find a property near the XXXX school and that is where the House was built and I needed the money to finish the house. I did not get the money from Bank of America it was from another company. 
Problems still continue and I really need help with this. I wish I could find someone to help me pay for this house because I have nothing else. 
XXXX XXXX XXXX XXXX

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