Consumer complaint received 2019-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This complaint is directly related to XXXX and XXXX. Both were already closed, however, Bank of America ( Countrywide ) has not sent me all the information requested. I include below my feedback to the answer that Bank of America answered and I hope that they respond in detail to everything I am requesting and claiming. 

According to the recorded document, Bank of America acquired my loan in XX/XX/XXXX. You report that between the years of XXXX to XXXX, the loan was serviced by XXXX XXXX ; although the loan was acquired by Bank of America ; but the information of that period is not available ; why? 

During a telephone conversation with Countrywide which you mentioned, on XX/XX/XXXX ; I informed you that I had complied with the provisions of Chapter  XXXX of the bankruptcy law and it is true because the Bankruptcy Court granted me the discharge, I sent you the evidence through my complaint. Also, in that conversation I informed you that a Motion of Relief filed by XXXX XXXX XXXXXXXX XXXX due to a two month of delinquency regards to the Bankruptcy plan ; it was dismissed later and the foreclose was stopped, evidence of that is that the XXXX is in the discharge of my chapter  XXXX bankruptcy ; the court paid them the requested amount. 

You do not have evidence of my loan being paid off for the periods from XX/XX/XXXX through XX/XX/XXXX ; I can not understand why you have not sent me a letter about it or informed the Bankruptcy Court. For XXXX I had my check account in XXXX XXXX ; but this bank left XXXX XXXX. I'm going to verify how I can get those records. 
I understand that, effective XX/XX/XXXX, the servicing of my loan was transferred to you ( Bank of America ) to XXXX XXXX  XXXX  XXXX ; but this transfer had to be under the same terms, it was not a new loan ; I want to know why XXXX indicates that it received a balloon mortgage ; with a final repayment of more than {$7000.00}. This is impossible ; the bankruptcy court paid the arrears and legal expenses that you requested in the foreclose Also, I informed you and sent evidence that my loan ending in XXXX was originated on XX/XX/XXXX, in the amount of {$20000.00}, and was signed by XXXX XXXX XXXX and me, XXXX XXXX XXXX on XX/XX/XXXX. This loan was originated by U.S. Small Business Administration for disaster relief assistance and was secured by the property located at XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX ; and this loan was modified on XX/XX/XXXX, amending the original loan dated XX/XX/XXXX. The amendment was due to an increase of the original amount of {$20000.00} to a total of {$25000.00}. 

I'm checking the documents for my loan records, that you sent me, and I do not understand : 1. Do you charge me flood insurance payment? Because I always had, and I have mandatory flood insurance with XXXX XXXXXXXX XXXX XXXX ; therefore, your insurance did not proceed. Evidence of this insurance was sent to you. 

2. My monthly payments of {$150.00} ( Misc. posting {$90.00} and regular payment 61 ) they were applied all to interests, nothing to the principal of the loan ; the principal balance of the loan has not changed since XX/XX/XXXX to XX/XX/XXXX ; Why? 

3. I have 57 monthly charges of Property Inspection of {$11.00}, {$12.00}, XXXX or {$15.00} through XXXX to XXXX. When did these inspections happened and by whom? Why did I have to pay for these supposed inspections? 

4. How did the payments sent by the bankruptcy court apply to the loan? Why hasnt the principal of the loan changed? 

5. I sent evidence in the complaint of FTC vs Countrywide. The Federal Trade Commission found overcharging in my Chapter XXXX bankruptcy and unlawful practices in my mortgage loan during XX/XX/XXXX to XX/XX/XXXX. FTC mentions that Countrywide agreed to stop these practices and make major changes to these practices. I want to know what these illegal practices were and what were the changes that had to be made. 

6. To conclude for the moment, I am collecting all the information of the payments sent by you to compare with the payment records received. I need to know ; how much were the arrears when countrywide and I started the foreclose of my home. To conclude for the moment, I am collecting all the information of the payments sent to you to compare with the payment records received. I need to know ; how much were the arrears when countrywide and I started the foreclose of my home.

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