Consumer complaint received 2018-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My husband got hurt in XX/XX/XXXX we were unable to make payments due to not receiving workers comp in a timely matter. I kept in touch with bank of america home loans the entire time from XX/XX/XXXX to XX/XX/XXXX when they wanted a reinstatement amount to reinstate the loan..which was close to {$15000.00}. and we have made payments on time since XXXX XXXX.. XX/XX/XXXX got a notice that our mortgage would be serviced by XXXX XXXX XXXX. I called XXXX XXXX XXXX and they told me that my loan was still with Bank of America Home Loans.. I called Bank of America Home loans and they ask me three different times did I file bankruptcy I said no.. All of mortgage information was wiped off my XXXX XXXX  XXXX account online.. I did file a complaint with XXXX XXXX XXXX of what I found and they haven't answered back. Our mortgage has been reporting to credit bureaus that our loan closed XX/XX/XXXX and showing a XXXX balance and it shows they had not reported for years on our mortgage and its showing under negative information on our credit reports .. I am sending the credit reports showing it says Bank of america closed ... I filed a complaint with XXXX and told me they would look into it and get back with us.. After filing complaint I got a postcard from BOA Home loans for us to retrieve a message through a message system. the message was we are sorry we forgot to inform you that your loan closed in XX/XX/XXXX. Well the problem is we only modified our loan once. and that was XXXX XXXX..Consumers are only allowed to modifiy their loans once in length of the loan ... but this message and along our credit reports show our loan closed XX/XX/XXXX and have been showing negative since that date with no reporting of us making payments since XX/XX/XXXX on time ... their was no modification done because there had already done a modification ... WE BELIEVE BOA AMERICA HOME LOANS WROTE OFF THE REMAINING INTEREST AT TAX TIME BECAUSE WE WERE UNABLE TO MAKE OUR PAYMENTS FROM XX/XX/XXXX TO XX/XX/XXXX WHEN THEY TOOK A LARGE AMOUNT TO REINSTATE OUR LOAN CLOSE TO {$15000.00} AND WE HAVE BEEN MAKING PAYMENTS ON TIME EVER SINCE. HOW CAN THEY CLOSE OUR LOAN AND REPORT XXXX BALANCE SINCE THAT TIME AND ITS SHOWING NEGATIVE AGAINST US ... THEY ARE STILL COLLECTING FROM US BUT SHOW A CLOSED ACCOUNT WITH A XXXX BALANCE. i FEEL LIKE WE ARE BEING SCAMMED THEY WROTE US OFF AS A BAD DEBT OR THEY COLLECT FROM PMI OR SOMETHING..THEY SENT THE POSTCARD TELLING US THEY FORGOT TO TELL US.. SO IF THATS THE CASE WE WANT OUR MONEY BACK THAT WAS PAID IN XX/XX/XXXX TO PRESENT.. THEY CAN NOT WRITE OFF A LOAN AND STILL COLLECT. ALSO WHEN THEY SENT OUR MORTGAGE THIS XX/XX/XXXX THEY CANCELED CONTRACT.. IF MY LOAN IS STILL WITH BOA WHY IS ALL OUR INFORMATION BEEN ERASED FROM MY BANK OF AMERICA SIGN IN.. SOMETHING IS NOT RIGHT WITH THIS I FEEL LIKE THEY ARE COVERING UP AND STILL COLLECTING MONEY FROM US..HELP FEDERAL TRAD COMMISSION GAVE ME YOUR WEB ADDRESS AND ASK US TO FILE COMPLAINT WITH YOUR COMPANY ...

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