Bank of America Mortgage Complaint

Bank of America Mortgage department,

FHA mortgage Loan modification,collection,foreclosure Texas

This is my 2nd complaint I 've filed on Bank of America 's Mortgage Loan Department regarding my Home Loan Modification. This time, I was APPROVED for both of the programs in -/-/- for the Federal Housing Administration Home Affordable Modification ( FHA-HAMP ) Modification WITH Partial Claim. But, then Bank of America REVOKED MY APPROVAL AND REJECTED MY ELIGIBILITY ACCEPTANCE INTO THE PROGRAMS AFTER MY 1ST PERMANENT PAYMENT WAS RECEIVED AND ACCEPTED IN -/-/-. -/-/- started my first of the 3 trial payments and -/-/- was the 1st month starting my 1st PERMANENT loan payment which was made and received. Not until after the payment was processed did I find out that " Bank of America regrets to inform you that you are not eligible at this time for Federal Housing Administration Program ( FHA-HAMP ) Modification with Partial Claim for the following reason ( s ) : " We did not receive the required signed loan agreement documents by the specified deadline. '' First off, I submitted the required documentation needed and followed all explicit instructions to notarize correctly at the Bank of America location nearest my home and had the paperwork FEDE-ED overnight back to the address


-/-/-. It has been a pulling teeth battle to get in-touch with ANYONE much less my said, " CRM '' ( which I outline the timeline of events that my application has been tossed around between representatives ) and have been WITHOUT ANY COMMUNICATION FOR MONTHS REGARDING THE STATUS OF MY APPLICATION NOR RECEIVED ANY RETURNED CALLS FROM MY REPEATED MESSAGES LEFT FOR MY CRM 'S ECT. Thus, one evening on the night of -/-/- my neighbor knocks my door to deliver a standard-sized letter from BOA addressed to me but received by him at his address. This is the denial letter DATED -/-/- rejecting me of my eligibility to the programs stating they had n't received my loan documents thus resulting in the denial of the permanent modification programs previously approved for. The letter also stated I had 30 days to appeal this decision which in turn had already passed on the night of the -/-/- when I was first notified. I IMMEDIATELY CONTACTED BOA THE NE-T MORNING ON THE -/-/- and spoke to Mr. -, a representative on behalf of my said CRM at the time named, -, ( whom I 've never heard of ) because she was " unavailable ''. I explained the situation and pleaded and begged for an explanation of the events that have occurred and for some reason have missed and were uninformed of until then. Mr. - explained, my documents were received by BOA on -/-/- and were said to have 2 pages notarized incorrectly and were to have the corrected documents SENT BACK and RECEIVED no later than -/-/-! Since they were n't received the letter drafted on -/-/- by BOA was apparently MAILED VIA USPS REGULAR MAIL and delivered to the wrong address, hence resulting in my failure to be notified. Furthermore, I NEVER RECEIVED ANYTHING REGARDING THESE INCORRECT DOCUMENTS NEEDING IMMEDIATE RECEIPT BY -/-/-! Mr. - said that the documents needing revisions were sent out to me VIA USPS REGULAR MAIL sometime between -/-/- however, they are still untraceable and know where to be accounted for nor proof of that mailing could be given to me either. ***THE REST OF THIS COMPLAINT WILL BE FILED IN ANOTHER COMPLAINT DIRECTLY TO FOLLOW AS THERE ARE MORE RELATED ISSUES THAT WO N'T ALLOW ME TO FINISH TELLING IN THIS COMPLAINT FORUM. ***