Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
BANK OF AMERICA AND XXXX FABRICATIONS REGARDING INCOMPLETE XXXX MODIFICATION PACKAGES. 
Bank of America XXXX XXXX XXXX XXXX XXXX During the past year, I suffered illness, a XXXX, and XXXX due to XXXX, therefore, I was unable to respond to Bank of America and XXXX XXXX XXXX. Therefore, I am filing this new complaint with exhibits. Due to my XXXX, I will be filing new complaints, individually, with exhibits for Bank of America 's Attorneys, XXXX Letters dated XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
I put in numerous XXXX Modification packages ; however, the only decline letters we ever received was from Bank of America via XXXX. Whistle Blowers, from Bank of America came forth and testified what Bank of America was doing with XXXX Modification packages. XXXX only excepted full XXXX Modification Package request. I could supply you with numerous XXXX Modification denials Bank of America sent via XXXX. Moreover, XXXX became so frustrated with Bank of America denying us that XXXX filed a complaint with the Consumer Financial Protection Bureau on our behalf. ( See Exhibit XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating XXXX submitted complaint to CFPB ). 
At a XXXX Modification Event in XXXX, I gave a copy of the exhibits in this complaint to XXXX XXXX of the U.S. Department of Treasury. I also gave XXXX XXXX, a full XXXX Modification package in which she verified with Bank of America Employees that it was complete. XXXX of the questions I asked XXXX XXXX was XXXX XXXX going to help the American people or was he blowing smoke. XXXX XXXX and I talked, she gave me her card and told me to contact her and later sent me a letter. At a Hamp Modification Event in XXXX ( See XXXX XXXX, Dept of Treasury Card, Exhibit G ) On XXXX XXXX, XXXX, Although I had submitted a complete package for making home affordable through XXXX. XXXX indicated your servicer has denied your proposal. ( See Exhibit K, Email from XXXX ) On XXXX XXXX, XXXX, Although I had submitted a complete package for making home affordable through XXXX. XXXX indicated your servicer has denied your proposal. ( See Exhibit L, email from XXXX ) In order to understand our ire and concern regarding the fabrications and lies regarding the situation from Bank of America. We have provided exhibits XXXX and XXXX from Bank of America Attorneys response along with our exhibits proving these responses are fabrications regarding " reviews were declined because borrowers did not submit all the documents '' from Bank of America trying to not admit their wrong doing but the Bank of America Whistle Blowers did testify to what they were doing with documents. ( See Exhibits XXXX and Exhibits XXXX, Bank of America Attorneys XXXX and XXXX ) On XXXX XXXX, XXXX, Bank of America'sXXXX Attorneys XXXX and XXXX stated " The loan was reviewed for assistance on other occasions XXXX and XXXX ; however, the reviews were declined because the borrower did not submit all the documents necessary to complete the review or the borrower withdrew the request for assistance. Please see the decline letters dated, XXXX XXXX, XXXX and XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX for more information. ''

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