Consumer complaint received 2018-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Please review the XX/XX/XXXX document as it contains the details of this complaint. The information below is partially copied directly from the document. 
XXXX Dear Bank of America : From XXXX of XXXX until XX/XX/XXXX, Bank of America ( the bank ) did not provide me with any billing statements for my Home Equity Line of Credit ( HELOC ). I did not receive any of my billing statements for those months. I have attempted numerous times to notify you that I have not received my billing statements. I received the XX/XX/XXXX written correspondence from the bank providing me copies of my billing statements from XX/XX/XXXX to XX/XX/XXXX. I have yet to receive billing statements from XXXX of XXXX to XX/XX/XXXX and from XX/XX/XXXX to present date. The XX/XX/XXXX correspondence from the bank also included a XX/XX/XXXX written correspondence from the bank, which I did not received until after XX/XX/XXXX. The XX/XX/XXXX written correspondence provided a loan history transcript of the HELOC account I am disputing. After careful review, I am notifying the bank that in addition to the previous billing error notices I provided the bank, I am disputing the following fees : {$22.00} ( XX/XX/XXXX ), {$44.00} ( XX/XX/XXXX ), {$47.00} ( XX/XX/XXXX ), {$47.00} ( XX/XX/XXXX ), {$47.00} ( XX/XX/XXXX ), {$46.00} ( XX/XX/XXXX ), and {$47.00} ( XX/XX/XXXX ). In addition to the exact fees I recently discovered, I am disputing all interest charges from XX/XX/XXXX to present date. After further review, the bank has violated several consumer protection laws/regulations. The bank has also violated the Bank of America Equity Maximizer Agreement and Disclosure Statement ( the contract ) that was signed on XX/XX/XXXX. 
The following lists the written correspondence that was mailed to Bank of America ( the bank ) and the date of mailing for each : XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Notification of Billing Errors ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Notification of Billing Errors ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Notification of Billing Errors ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Notification of Billing Errors ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Notification of Billing Errors ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Notification of Billing Errors ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Notification of Billing Errors ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Notification of Billing Errors ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Notification of Billing Errors ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Notification of Billing Errors ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Notification of Billing Errors ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Notification of Billing Errors ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Notification of Billing Errors ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Notification of Billing Errors ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Notification of Billing Errors ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Notification of Billing Errors ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Notification of Billing Errors ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Notification of Billing Errors ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Notification of Billing Errors ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Notification of Billing Errors ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Notification of Billing Errors ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Notification of Billing Errors ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Notification of Billing Errors ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Notification of Billing Errors ( Written Correspondence ) - mailed on XX/XX/XXXX XX/XX/XXXX Billing Statement Not Received ( Written Correspondence ) - mailed on XX/XX/XXXX Please Note : Bank of Americas ( the bank ) position on the billing statement issue is that they mailed out the billing statements to me at the following address : XXXX XXXX  XXXX, XXXX XXXX, CA XXXX. Although the bank is stating that they mailed me the billing statements, I did not receive them. Not only has the bank failed to provide proof of mailing and delivery, they failed to even provide mailing dates. A bank employee simply looking at the computer to verify that their system reflects a billing statement being mailed out each month is not proof that the billing statements were actually mailed to me. Bank of America uses a dedicated mailing department to mail out correspondence to consumers. There is a possibility that they may have employed or continued to employ at least 1 disgruntled employee which may have willfully withheld and/or destroyed mail that was meant to be sent to consumers/customers. However, at least one bank employee has apologized for a supposed glitch on my account that caused the bank to not send me my billing statements. The bank has failed to note the supposed glitch being on my account so that there isnt any record that may potentially be harmful to the bank in the near future. It is in my opinion that the bank will not admit fault for their mistake in an attempt to avoid being responsible for this issue and in an attempt to minimize any potential monetary loss as a result of their errors. The bank has also failed to address each written correspondence that I mailed to them which is listed on this letter. I have included copies of the written correspondence for review. I respectfully request this case be handled by their legal department and that the bank fix their errors and provide monetary and non-monetary relief. I disputed this account with the following credit bureaus : XXXX, XXXX, and XXXX. Per XXXX, XXXX, and XXXX, the bank verified that the negative information being reported since XXXX of XXXX to present date is correct. This has caused my credit score to be lowered significantly which has caused me not to be able to refinance both my HELOC ( Bank of America ) and my mortgage ( XXXX ). Bank of America is the only creditor reporting negative information on my credit report/profile. I am currently working with a mortgage broker to attempt to refinance my HELOC and mortgage into 1 account with the assistance of my son as a co-signer. If I am unable to refinance within the next couple of days, I will be forced to sell the selling the property for the amount owed on the HELOC and mortgage in order to avoid Bank of America ( the bank ) possibly attempting to illegally foreclose on my primary residence ( the property ). 
I respectfully request that Bank of America offer me monetary and non-monetary relief sought. Failure to come to an amicable resolution will result in legal action taken against the bank for failing to abide by the contract and by the consumer protections laws / bank regulations. If you have any questions, please feel free to call me on my cell phone at XXXX XXXX XXXX XXXX. Thank you in advance. 

Respectfully, XXXX XXXX

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