Consumer complaint received 2018-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in XXXX of XXXX we started having financial problems, due to family health and failing business. Tried to work with Bank of America for over a year to get help with paying our mortgage. They were no help at all!!! They would send paper work for us to fill out ( which we would do and send back ) then we would call to find out what was going on only to find out our account was transferred to another representative. This representative would then send us the same paper work to fill out. This went on for almost a full year, we must have had 6 or 7 different representative in this time period. All wanting us to fill out the same paper work with nothing being done on there end. Meanwhile our mortgage is getting farther and farther behind. We would call there and have the reps hang-up on us and were being pushed around to different people. 

On the home front we were dealing with XXXX and other problem which they were told repeatedly about. Also not caring or helping us. They were pushing a sheriff sale not helping, calling me in the intensive care unit and at work to badger me for payment but NO response to our repeated cry for help, at one point we managed to put together enough money to pay all but XXXX dollars of our back payments. We were told they would take the money but there was no guarantee that the payment would stop the sheriff sale proceedings. At this point were put the house on the market to sell, and Bank of America was told about this several times, still the badgering continued. On the day of my mothers funeral XX/XX/XXXX and with a contract to sell our house already done we came home from the cemetery to find a Sheriff Sale notice on our front door. Who does this to people. I have a friend who has a different bank who lived in her house for almost 5 years before this kind of thing happened. We were only a little over a year without paying and doing our best to keep our home and work with them, calling all the time for help and this happens. Why were they in such a rush to take our home without working with us in any way? 

We closed on our house XX/XX/XXXX paying off the first and second mortgage on the home. There were 2 checks first mortgage XXXX and second mortgage XXXX. Both sent to the bank at the some time. The second mortgage was cashed at that time. However the first mortgage sat on the desk of Bank of America 's attorney for the next 10 months or so. Meanwhile we are still getting billed for a house we didn't even own and told we are going into sheriff sale. Every month when we received the bill my wife or I would call the bank and get the same run around we received before we sold the house with no results. In XXXX my wife called again and spoke with a very nice young man, who spent the time and called each department in line to find out what was going on. No one had an answer, so he finally called the attorneys office and was told that she knew about it and had the check. At this point my wife who was also on the line asked why she hasn't cashed it. Upon finding out that my wife was also on the line she yelled at the young man and hung up. ( he had forgotten to let her know that my wife was listening ) Three days later the check was cashed. Because of this our credit stinks and this has cost us thousands if dollars in higher interest. Yet Bank of America still refuses to fix the dates on our credit reports. This is a large part of why we are still having credit problems. We need this to be fixed so things can start getting better not worse. Can someone HELP!!!

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 explanation