Consumer complaint received 2015-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I am writing about an incident that just took place at our unoccupied home that is under contract and awaiting process of short sale. On Sat ( XXXX/XXXX/15 ) eve, neighbors that keep an eye on our house called to advise that there were lights on in the home. We had not had any notifications or been asked permission to enter our property. 
The neighbors responded to the house to check on it and entered the garage entry code and found that the garage was locked from the inside. They no longer felt comfortable proceeding with checking the property. I tried to call listing agent to see if she could check on who made entry through the lock box but was unable to reach her immediately. 
I contacted XXXX XXXX Md Sheriffs office to respond to our property to make sure that a burglary had n't occurred. The sheriffs office responded and checked the property without incident. 
Apparently entry was gained on the property without permission by Bank of America to " initialize property maintenance and secure property '' by the bank as we are no longer living there. But make no mistake the property has not in any way been abandoned, we are still and have been at all times maintaining the property inside and out. Paying all utilities, mowing the grass and maintaining property insurance for the duration of the short sale approval process. 
There were lights numerous lights left on on all XXXX floors of the home and several of the blinds of the home were opened. This made the home more vulnerable to any passer-bys that the home was no longer occupied. 
The garage door was not only locked from the inside but a padlock was placed along the side attaching it to the track of the garage door. This lock placement, done without any permission caused permanent damage to the door and track when the neighbors had attempted to open the door from the outside, having no way to know or see what had been done from the inside. There was nothing on the exterior of the home to warn that the garage door had been locked. The door became so unsteady after the motor tried to lift it that that it came off the track and remained half attached and hanging off throughout the night. Again, making the property totally and completely vulnerable. 
We have neighbors and family watching our house, we are maintaining the property, maintaining proper insurance, maintaining the yard, the utilities are all on. We have not abandoned the property. 
When inquiry was made by letter by Bank of America, we made notification, in writing, on XXXX XXXX that we were still insuring and maintaining the property and that there would be no need to enter our property. I understand in a pre-forclosure the rights they have as a bank, but the way this was handled was totally unprofessional, unethical and improper. The service company should have made some notice to the listing agent to in turn notify us. Anything done to the house should of been properly documented and clearly marked as to avoid causing the permanent and costly damage to our garage door. The service provider left all the lights on, raising suspicion and causing a series of events that left the property unsecured and completely vulnerable. 
I feel very strongly that Bank of America have crossed a ethical line and in the process have caused damage to our property and I want to make sure that this is dealt with appropriately.

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