Consumer complaint received 2021-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020, I became very sick and has not returned back to work due to my health condition till this day. 
I have been struggling to make payment on my mortgage every month, of which I do not mind, because I am so afraid to call my mortgage company to get assistance and, in turn, probably have my payments deferred for XXXX months or XXXX year. I was eager to continue pushing on XXXX ng my payments as scheduled. 
At the same time, I was hoping, at the end of the year, 2020 to receive some overpayment money check from my escrow account. I was building my hope on getting this money, even as little as it could be, makes a great different at this difficult time in my life. However, at the end of the year 2020, I received a statement and letter from Bank of America, requesting an extra payment and with the extra payment of {$530.00} would increase my payment to {$1900.00} I've made several attempts, about XXXX to contact my mortgage company XXXX Bank of America XXXX to explain to the company that I don't know why my monthly mortgage payment increased from what it was, even with the payment request from the company. I did let them know, that I called and made enquires on mortgage insurance, property tax and home insurance, it does not seem that there was any increase in 2020. So, I requested to know from bank of America, where is this hidden charge coming from. I made all my payments on time, last year 2020. Why the increase at this tough period/time. 
I expressed my disappointment with the company, even with the great financial situations/difficulty experinced by most of their customers, they could still apply a payment from no where, and increase my monthly payments. When I got my mortgage, it was at a fixed rate mortgage. Yes, I can understand, it can slightly go up, when there's any increase on property tax, mortgage insurance, home insurance. However, none of this applied or seemed to be off/increased from what I was paying. 
I have called Bank of America XXXX XXXX to appeal to them, I have been very sick, I have no job, and struggling to make my payment of {$1800.00}. I am ok to continue to struggle to make whatever previous monthly payments that I was making/paying. And, that I do not have the payment of, that they are asking me to make, and even the new increased monthly payment I can not afford. 
I repeatedly requested for them to leave me on the same previous monthly payments ( XXXX ), that I was making to avoid my property getting into foreclosure. I do not have {$530.00} to pay XXXX, or the increase of {$1900.00} or {$1900.00}. Please, I do wish to request a waiver. As of this day, XXXX Bank of America representative ( escrow account department ) that I discussed with was able to assist me to resolve the situation. 
Please, I do not want the hidden fee spread for XXXX year or with the term of my mortgage. I am sincerely requesting and appealing to Bank of America to be considerate with my medical condition/situation and waive this payment applied to my account, and to keep my previous payment as it was for now. I am in a great financial difficulty and can not in any way afford the increase monthly payment. 
The year 2020 & XXXX it's been a very tough, difficult and challenging year for most of us due to this deadly pandemic, and I expect Bank of America to find a way to accommodate/help their customers at this worst difficult time of our life.

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 monetary relief