Consumer complaint received 2023-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/2023 I notified BOA agents over the phone of my COVID positive results causing XXXX XXXX from work with lesser pay. I requested a forbearance at the same time and was told I didn't qualify. I told them I can only make partial payments with the XXXX checks that I'd receive from work. Over the phone agents told me I can make partial payments, but when I attempted to make the partial payments in person, they refused my payments telling me they can only receive full payments. I was told I was good for XXXX so I made a payment for XXXX using my last check from work for wages earned in XXXX. I again asked for forbearance. They again refused. I had to wait to get my checks from XXXX to make my next payment, but again they would not accept partial payments. I had to save 3 checks to pay 1 full month. I also explained this to them. I informed them I was to be on XXXX XXXX from XXXX. I made payments as I could. The last payment was made in XX/XX/. I received a Delinquency notices on XX/XX/XXXX  & XX/XX/XXXX  for the months of XX/XX/, XX/XX/, and XX/XX/XXXX  and if I didn't bring account current I was going to be charged for foreclosure fees and foreclosure. They applied these foreclosure process fees on same month, XX/XX/. I received another notice on or about XXXX by courier I believe who stated he had to give me the envelope & take pictures of the outside of my house. He confirmed BOA started the foreclosure process because I was behind on my mortgage and in the envelope was the delinquency notice again reading that I'm late on payments and will be charged as mentioned above. Also charging me the {$800.00} for starting the foreclosure process. I called them again telling them I recvd their notice sent by person and told them they started the foreclosure process too soon as I was not 120 days past due. I asked again for repayment option as I was returning to work on XX/XX/. The agent on the phone said there's no way for me or them to know if I am returning to work on XX/XX/XXXX  and that the only option I had was a modification denying me the repayment option. I told her I have a 1.125 % interest rate now and modifying it to todays rate is not beneficial for me as it's over 6 %. I again requested the repayment option she refused and the call ended. I have not been able to make payments online nor in person for months already and now I am far behind on my mortgage. I've tried making payments, but they were not and are not being accepted. It was not been 120 days behind per TX Federal Rules & Civil Codes. As BOA reported to the credit bureaus, my last payment was made on XX/XX/. They reported they started foreclosure proceedings on XXXX, but they sent someone on XXXX. Therefore, they started the foreclosure process on XX/XX/. Now I am more than 120 days behind on my mortgage payments. I did return to work on XX/XX/2023 and would like to have my mortgage loan reinstated so that I may continue to make my payments. I noticed that my payment went up over {$200.00} and when I asked BOA abou this, they couldn't really carify. I believe it is for the escrow going up though. I can still pay the monthly payments and would like to start paying again. Can you please help me with this issue?

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