Consumer complaint received 2016-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I told XXXX XXXX that Bank of America was sending me statements and asking for loan moneys on a rental house that was discharge in Bankruptcy court on XXXX XXXX, XXXX five years ago and the house was sold through the Bankruptcy Court. I told XXXX that the bank had been asking for the money and I have been telling them the same thing for 5 years that I received a discharge and the house was sold through Bankruptcy Court. I told her the discharge prohibits any attempt to collect from the debtor a debt that has been discharged and it 's against Federal law. XXXX looked into the matter last year and had a search on XXXX, Florida XXXX. XXXX told me that she found the discharge on XXXX/XXXX/XXXX and the Liability, total debt was discharge and no money was old on the account : XXXX. XXXX said the bank will stop sending statements which ask moneys from me. 
However, the statements stop but started back and asking for moneys. Also, I received statement asking for money on the Account : XXXX up until I received my XXXX statement. On XXXX/XXXX/XXXX ; Bank of America send me a letter saying my account : XXXX and payment address are changing and the new Account No. : XXXX. 
I received the XXXX XXXX statement with the new Account number : XXXX showing the money due on the account. However, it says ; If you do not want us to send you monthly statements in the future, please contact us at XXXX. This statement is being furnished to you for information purposes only. I called the number on XXXX/XXXX/XXXX ( call XXXX 10.14 minutes ) and asked them stop sending me the statements and asking for money. I received a Bankruptcy discharge and the house was sold 6 years ago. She was going to put a request to stop sending me the statements. 
I received another statement, reflecting how much money owe. I called on XXXX/XXXX/XXXX ( call XXXX/21.44 minutes ) and spoke with XXXX. I was told last month that the bank statements reflecting moneys owed would stop. XXXX told me that the account was open and equal line money is still do on the XXXX, Florida rental house. I explained that the rental house was discharge in Bankruptcy Court, the debt and the house was sold in XXXX. She said the statement will stop. I called on XXXX/XXXX/XXXX ( XXXX 57.14 minutes ) I called the number on the new statement to stop sending me the statements and asking for moneys. I spoke to 3 different persons and 2 said I need to Opt out on the statements and one person could n't do it and send me to the second person who could n't do it. Then I was sent to a 3rd person, XXXX, who said I would get the statements forever and I he could n't opt me out but he would send me to the right person, number four. I waited and no one answered the phone. I called the number again ( XXXX 36.09 minutes ) and spoke with XXXX. I explained the situation and she said I could n't opt out on the statements but it has to be suppress. I told marry that the Federal Bankruptcy Discharge letter said it 's prohibited to ask for money for a discharge debt and it 's illegal. She looked into the Bankruptcy procedures and find found my Chapter XXXX discharge. She submitted a request to suppress the statements and the completion date is XXXX/XXXX/XXXX. She said, " I read my coworker 's notes, XXXX, on XXXX/XXXX/XXXX and she did n't put a request in to stop the statements ''. 
Finally, on XXXX/XXXX/XXXX, I received a certified letter and a second letter from Bank of America. New Account number:XXXX, Notice of Intent to Accelerate {$28000.00}. They said I can Full Payoff my loan in full by selling my property for any amount equal to or exceeding the total amount owed on my loan, or I may refinance my loan. Also, Repayment plan, Loan Modification, Short Sale or Deed In Lieu of Foreclos

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