Bank of America Mortgage Complaint

Bank of America Mortgage department,

Home equity loan or line of credit Settlement process and costs California

I filed a complaint ( Case number : - ) that explains : " We received a modification agreement for our Loan number - with Notice date : - -, -. Bank of America requested us to return the signed agreement by - - -. On - -, - -, - - and - -, - we requested via FA- to Bank of America to send us the Truth in Lending Disclosure Statement to be able to sign the new modification agreement and send it back. We also asked : " Can you please let us have more time to send sign it and send it back after we receive this information? ". We have not received this information and we still need to review it to be able to sign the agreement. All I asked for a fair resolution to the issue was : " Bank of America send immediately via email the Truth in Lending Disclosure Statement of the Home Equity Modification Agreement with Notice date : - -, - to allow us to review it and sign it if we


and after that I would send them back the signed modification if we agreed. Meanwhile Bank of America continues withholding the payments that we have sent on time. I did not get the reply from - - - about the Truth in Lending Disclosure Statement. The Next letter I received from Bank of America last week states : " Your home equity loan is not eligible for a Home Affordable Modification Program because we did not receive a Home Affordable Modification Program by the date specified in our letter to you ''. ( Attached ) This is not the first agreement that I receive. We got the first HELOC home equity modification agreement during the process of modifying the - - with - - - -. The 1st HELOC modification on - -, - initially offered a monthly payment of $94.00 ; after we paid the 3 months trial the amount increased to $190.00 which is the amount that we are paying right now. On - -, - and -/-/- we got a modification package with a letter that stated " Your modification is not yet complete. Enclosed is a replacement copy of your loan modification agreement. '' and offered us $250.00 and send someone to our home to " help us '' sign it. We figured out that the " Copy '' had a different amount the be paid on - -, - of $39000.00 instead of the initial $3000.00 on - -, -. On - -, - we received this new modification, we requested more information, got all kind of replies but not the Truth in Lending Disclosure Statement we requested several times via FA- and now a denial. I believe that Bank of America has infringed the law and is trying to cover it. I ask the CFPB to please find out what they have done and are doing with our money. My son has - and my husband had a - years ago. I am really struggling financially and I am scared. I have been paying on time and the account is current. We do not deserve this. We really need help please. All documentation is attached.