Bank of America Mortgage Complaint

Bank of America Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Hawaii

I filed my original complaint in - but did not see the response until now. My complaint remains. I did not receive an official denial until -. If we had known the lender was not doing modifications we would have applied for a refinance with in the time frame allowed, after 1 year of default no one will touch it. . # 1- we were told not to make payments to show hardship. This was already visable by payments that were not clearing, but they were always made good in the month they were due.. They all cleared. That was # 2 in my original complaint. # 2- We were referred to foreclosure in - less than 9 months of payment. Bank of America did not offically take over for Country Wide until - of -. They did not file the foreclosure until -. For 3 years they would not accept payments and made us think


# 3- When our mediation was taken out it was because the mediator - - told us we did not need to do anything else she had it all taken care of. The court had not notified our attorney of the court date so he knew nothing about it. When we found out it was dismissed because no one showed up, that is a letter he received. He got us back in mediation and the bank missed the dead lines this can be found in the court notes dated -/-/- - confirmed his client missed deadline to submit updated list. - was the attorney for the Bank at the time. It was not us that did not turn things in it was the bank. The judge then took it out of mediation again. Both times were not because of our neglect. We have done and sent everything ever asked. 4- - - is no longer with the mediation program. She even told us we did not need to mediate because the bank had not sent papers. Again please see court records -/-/- 5- - - Our " case '' was referred to - - - - out of - - . We were to sit down with attorney - on - - to negotiate. They took him out of the picture before that happened, 6- - - says he tried to call us but there was no answer. My husband and I both work. We both have cell phones with those numbers on everything. He never tried to reach us. 7- - -, - Our homeowners association was sent a letter with the change of counsel with my brothers girlfriends name on it! What the heck is that? She has never had anything to do with this and has never even lived in - - never been on the board.?? 8- Our loan was taken out of foreclosure - -. A payment was allowed in - -. 9- Loan once again referred to foreclosure. 10- During this entire process we were trying to find out who owned our mortgage. Every look up showed nothing. - look up results NO MATCH FOUND. 11- If the denial is coming from - and they do not own our loan how can that be 12- We were told that our loan was - and who does not do modifications. In my research - does do modifications. I called - and was told they do not own our mortgage. They looked under loan number, last name, and address. I was told they do not do business in - 13- - - responded to my 2nd request dated - -, -. This was 4 months after my origional request in - - where they were asked to reply with in 30 days. 14-According to the court papers Dated - - -- if plaintiff lender fails to comply with this orders, without good cause, consequences with be imposed to include dismissal without prejudice. 15- That is what happened. Why had the courts not protected the consumer from the big banks. That is why this program came about so that homeowners caught in the worst recession in history would not loose their homes. The idea was good just the wrong people in charge. They were to help the people not leaving hard working people and families on the street.