Bank of America Mortgage Complaint

Bank of America Mortgage department,

FHA mortgage Loan modification,collection,foreclosure New Jersey

I purchased my property from HUD in - with an FHA rehab loan through -. After closing the loan I expected to receive a welcome package, mortgage statement with bill and address etc. However this never came. I tried to contact the bank to find out what was going on and they told me that the construction loan had not been released. I did not understand what this meant and tried to just begin making my payments on the loan. However, they would not accept my payment and told me that I was in foreclosure. I have tried repeatedly over the last few years to straighten this situation out but it is if I am invisible. The lender claims that none of this happened, then the loan got transferred to - or -. Same thing, they told me they had no idea what I was talking about, I was even told there was no record of my mortgage loan. So I continued living in the property and had a renter in the other unit. Now the loan has been transferred to Bank of America and they have set a foreclosure sale date on my home for - -. I have


) That means they are claiming I took out this loan in - -, when the title indicates I bought the home in -. Something very fishy is going on here. I am trying to get to the bottom of it. I want to try and fix this problem and fix this loan but I ca n't even get a straight answer about what has happened with this loan, the failure to release the construction loan, why there were no statements issued etc. Of course any efforts to try and get Bank of America to allow me to apply for programs to SAVE my home are met with fierce resistance or indifference. I have never had the opportunity to apply for any type of programs that would allow me to be reviewed for retention options based on my current financial circumstances. I was never offered mediation as required in the state of New Jersey. I was never offered Occupied Conveyance. I was never allowed to be considered for any home saving programs and I do n't know why any of this happened. I really need some answers.