If I'm being foreclosed on, I have a legal right to insist that the bank produce provenance to the mortgage note.
I don't think I have a right to demand that the bank keep a "promise".
What the bank has done here is legal, even though we may not like the attitude expressed by their action.
But --- sauce for the goose, sauce for the gander. If someone is way underwater on their mortgage to this bank and simply mails in the keys, the bank has forfeited any right to talk about "lack of integrity".
“I don’t think I have a right to demand that the bank keep a “promise”. “
I disagree, if you enter into negotiations with the bank both parties should meet the conditions as agreee. Both parties contend the purpose of the negotiations is to correct the default status and keep the owner in the home.
The bank tells the owner that if they make payments of a certain amount then the bank will modify the mortgage amount and bring them current.
The owner meets the requirements of the negotiations but the bank fails.