Consumer complaint received 2018-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bank of America falsely reported my mortgage as being 90+ days past due to XXXX on XX/XX/XXXX, even though the mortgage was under a forbearance plan due to damage to my property from Hurricane Irma , as detailed below : A forbearance was requested from Bank of America related to my real estate mortgage due to significant economic hardship that was created as a result of the damage caused to the subject property by Hurricane Irma . 

Correspondence received from XXXX XXXX, Collections Department, Bank of America, on XX/XX/XXXX, stated : You have been approved for a forbearance plan ( the Plan ), for your home loan, which means that you are not required to make payments during the time period of XXXX through XXXX ( the Deferral Period ). 

On XX/XX/XXXX, I spoke with XXXX XXXX XXXX from Bank of America regarding an extension of the forbearance. As a result of the conversation between Bank of America and XXXX XXXX XXXX XXXX XXXXXXXX, an extension of the forbearance was granted. 

Correspondence received from XXXX XXXX, Workout Department, Bank of America, on XX/XX/XXXX, stated : You have been approved for a forbearance plan ( the Plan ), for your home loan, which means that you are not required to make payments during the time period of XXXX through XXXX ( the Deferral Period ). 

In the correspondence cited above, both Forbearance Plan Agreements state : Federally Declared Disaster Forbearance : If the forbearance plan is the direct result of a Federally Declared Disaster, late charges will not be incurred, and we will not report on the account to the credit bureaus, during the course of the plan, nor is the agreement required to be executed and returned. The forbearance plan for the subject property is a direct result of the Federally Declared Disaster for Hurricane Irma, where the subject property is located. 

On XX/XX/XXXX, Bank of America provided a payment schedule for the forbearance plan. No payments were due through XX/XX/XXXX. 

On XX/XX/XXXX, I received a credit alert form XXXX XXXX, stating that my mortgage was flagged as being 90+ days past due. 

On XX/XX/XXXX, I called Bank of America 's Collection Department. When I brough the matter to the representative 's attention, she initially stated that there was nothing she could do since the mortgage had been transferred to XXXX XXXX XXXX on XX/XX/XXXX. I pointed out to her that Bank of America had reported the loan as 90+ days past due on XX/XX/XXXX, so it was Bank of America 's responsibility to correct the false information. She again stated that nothing could be done and I would have to write XXXX to dispute the information. 

Since Bank of America provided the false information to XXXX, breaching the agreed-upon forbearance plan, Bank of America should be spending their time and money to correct the false information submitted to XXXX, not the consumer! Their " too bad, we're not going to do anything '' attitude is absurd since they were the ones who provided the false information, causing a 75 POINT decrease in my credit score!! I'm especially concerned that this will prevent me from obtaining a loan modification due to their careless, " can't be bothered '' attitude!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief