Bank of America Mortgage Complaint

Bank of America Mortgage department,

FHA mortgage Loan modification,collection,foreclosure Texas

I am a victim of mortgage fraud perpetrated by - - -, Bank of America and their law firm -, - and - - and due to their actions I am in danger of losing my property to foreclosure. I have irrefutable proof of their fraud and misconduct. My current servicer - is stating that they ca n't offer any type of retention options, because the investor who owns this loan ( B of A ) does not contractually allow them to modify. But the loan I have is an FHA purchase loan? I have paperwork from the Lender 's law firm that states my loan is an FHA loan and that if I do not cure my default that the property will revert back to -. At the same time, the current servicer - is stating that my loan is " no longer an FHA loan '' because B of A found it to be uninsurable so they had to buy it?? This was revealed after I filed a complaint with the CFPB and - claimed that the loan they were servicing was no longer an FHA loan and that the former servicer, B of A, was now the


this property with an FHA loan in - and the mortgage was paid on time for 11 years. In - I began experiencing major medical issues and was in and out of the hospital for several months and ended up becoming 100 % -. During this time my wife was supposed to be taking care of all of the bills. After I got out of the hospital my wife and I were experiencing major marital issues and she moved out and that is when I discovered that she had not made the payment for several months. I immediately reached out to B of A and tried to begin resolving this issue but did not make any progress. The loan was then transferred to - - - and I tried to apply for assistance with my mortgage. I got the runaround and was not able to make any progress until ( as mentioned above ) I filed a complaint with the CFPB. - replied to my complaint in a letter to the CFPB ( Case # - ) about how my loan was no longer an FHA and that the investor B of A wo n't let them offer me any retention options. I do n't know what is going on here. My delinquency and this entire situation could easily be resolved if - would offer a reasonable solution. The legal documents their law firm prepared say this is an FHA loan. - - - is required to work with me to evaluate and consider options such as modification, partial claim or forbearance agreement. If Bank of America believes they somehow " bought '' this loan from FHA, where is the paperwork, the servicing agreement, the explanation as to " why '' this loan is uninsurable and the notification to the borrower? They are required to notify the borrower if the loan was sold or transferred. And if the loan was somehow " purchased '' by Bank of America and is no longer an " FHA loan '' then why is the law firm sending out fraudulent paperwork listing an FHA Case number and stating that this property would revert back to - in the event of foreclosure and providing Occupied Conveyance paperwork.