Consumer complaint received 2015-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
For the past six plus years I have request Bank of America to either remove account for the adverse accounts/account that maybe considered negative. All to no avail. 
BANK OF AMERICA continues to report account as an adverse account or an account that may be considered negative. In XXXX ( 6 years ago ), account ending in XXXX was with Countrywide and then transferred to Bank of America. I had suffered a financial setback and applied for a loan modification from Countrywide, who was to have transferred to Bank of America. No follow-up responses to my loan modification was ever received from Bank of America XXXX XXXX XXXX, I obtained the services with XXXX. XXXX informed me that they would notify Bank of America that I was not to pay any mortgage, during this modification process and that they would be in contact with Bank of America on any and all mortgage issues. Basically, XXXX was to have been my representative. New York State Attorney General filed a lawsuit against XXXX alleging a wide variety of illegal and deceptive business practices and false advertising relating to XXXX home mortgage modification business. Lawsuit sought to stop XXXX from engaging in alleged unlawful and deceptive practices and an award of restitution and damages for injured XXXX customers. Upon receiving the enclosed letter, I immediately contacted Bank of America, who began working with me to bring account up to date. Due to the pending lawsuit and believing that I was doing the correct thing, Bank of America informed me that no delinquencies would be reported. House was never foreclosed. Referenced loan was refinanced and Bank of America was paid off. XXXX was found guilty in XXXX of breach of contract and had been ordered to pay restitution. Account was late but I disagree that account was never late for over 120 days XXXX 4 months XXXX. Bank of America insist that account has been reported correctly. Per letter of XXXX XXXX, XXXX Bank Of America stated that they had received my request to remove negative information from credit reporting. Bank of America reviewed credit reporting and confirmed that the information they provided is accurate. Therefore, their current reporting of my account will not be revised. I find their decision totally unacceptable. I feel that I am being penalized for the actions of XXXX, for according to their contract they were acting on my behalf, which later was incorrect and XXXX had been found guilty of breach of contract and Bank of America continues to punish me. I could see if I had been blatant in my financial responsibilities, Bank of America would have the right to report account as adverse or an account that may be considered negative. Bank of America continues to comment about Chapter XXXX Bankruptcy stating it was dismissed on XXXX XXXX, XXXX. This is inaccurate. Chapter XXXX Bankruptcy was dismissed in XXXX. This Chapter XXXX Bankruptcy has since been removed by XXXX credit agency. Bank of America account was never a part of Chapter XXXX bankruptcy. There were never any liens /liabilities filed against this record

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation