Consumer complaint received 2017-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a long story that started with a Ch.   XXXX   BK in  XX/XX/XXXX . BK ended in  XX/XX/XXXX . My original mortgage was in  XX/XX/XXXX  just before collapse of real estate market with Countrywide. The mortgage moved to BofA, then to   XXXX   XXXX   XXXX   XXXX  , then a shady secret account called   XXXX   XXXX  .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   Then to a collection agency :   XXXX   and now since  XX/XX/XXXX with  XXXX , but  XXXX  still holds the deed. the 2 later are collectors, not really mortgage companies, and are constantly trying to toss me out despite being not only fully paid but have paid too much. When Bank of America transferred it to   XXXX   XXXX   XXXX  , they didnt give them a full accounting, so I ended up in BK trustee court which proved I was paid in full with a court order. In  XX/XX/XXXX . Yet, after BK was over and  XXXX  took over they kept claiming I owed anywhere from $ 12K to $ 25K in unpaid mortgages they couldnt quite get their numbers straightI have been fighting to get some straight accounting from the start of mortgage with BofA but no one is willing to do their homework. Bof A didnt give the right numbers to   XXXX   XXXX   XXXX   XXXX   ever ... and neither of them bothered to find out .... and in  XX/XX/XXXX , they started cashing my checks electronically from  XXXX   XXXX  which somehow, I never got credit for, so when  XXXX  took over in  XX/XX/XXXX , they claimed I owed {$15.00} K approximately. even though according to my records I had paid almost {$3000.00} too much that I wanted to go towards principal. Despite my complaints and massive letters with bank records they threatened me so bad I paid it in XX/XX/XXXX . I do not get any statements but have continued to pay monthly mortgage payments, yet today I got another letter stating I owe over {$7000.00} since   XXXX   ... I called an they claim my mortgage went from {$1400.00} to {$3000.00} in  XXXX  due to flexible rates ... ( I thought it {$1200.00} but have been paying {$1400.00} ) even though mine has been the same more or less for years, give or take a few hundred dollars.. They claim they sent me letters to this fact, which they did n't ... I get lots of letters claiming to default on my condo and asking if I qualify as a veteran ... but none with any amounts in it ... I have never received a proper statement. Every check I pay with, I write on it : " I still did n't get a statement '' If I had of seen such a letter I would put up quite a stink. I am getting so tired of this. Its a cartel of corruption. I have sent so many letters, called and gotten disgusting people on the phone ... claiming they dont care what I say, dont care about my bank statements ... this has to end. I have recorded conversations. I am being abused and cant afford an attorney. I want my {$15.00} K back or at least applied to principal. During  XX/XX/XXXX i did n't even get a 1098 Tax form credit of mortgage interest payments to use against my taxes ...

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