Consumer complaint received 2016-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I 'm filing a 3rd dispute, XXXX and XXXX, the first one being directed towards XXXX and the second towards Bank of America. Bank of America did n't answer the XXXX dollar question that needs to be answered. Did Bank of America charge off this loan in XX/XX/XXXX? because they stated in their response that they had no reporting to the credit bureau, but in my first dispute XXXX they stated BofA charged off the loan in XX/XX/XXXX, and they being XXXX simply reported it in XX/XX/XXXX. These XXXX companies are blaming each other and wasting my time running me around in circles, this has been going on with the cfpb for over 2 months and I 'm on my XXXX dispute and nothing has been resolved, so I 'm gone number the questions I need answered. 1 ) Did BofA charge off this loan in XX/XX/XXXX like XXXX stated in their response because this is how XXXX is justifying reporting this charge off to the credit bureau, and is the entire basis of this dispute! ... if BofA says they did n't charge off the loan XXXX need to remove the charge off status from my credit. 2 ) If B of A responds they did charge it off, on what basis was this justified, because as you can see with the credit history on the loan starting with real time in XX/XX/XXXX until the present date I have n't missed any payments, except for the 3 missing payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX when BofA took over the loan from real time and did n't contact them for 3 months to notify them of the transfer. BofA even stated in their response they took the loan back in XX/XX/XXXX yet I have 3 months of missing payments on real times credit history, and also in the time period after XX/XX/XXXX when BofA put me through another modification and refused to accept payments until the completion of the modification. If BofA says they did charge it off what was the actual charge off date, because BofA reported 3 on time payments prior to sls taking over servicing the loan in XX/XX/XXXX. so there is no way the charge off date could be XX/XX/XXXX. 3 ) How does sls justify reporting a XX/XX/XXXX charge off date to the credit bureau when they stated BofA charged off the loan In XX/XX/XXXX and the loan was current with 3 on time payments when they received it in XX/XX/XXXX? There is a 4 year period after a charge off to be able to do anything with a home mortgage so accurate reporting is imperative. I have already contacted a credit lawyer and they are ready to take both these companies to court, this will be my last attempt to resolve this outside of court, these XXXX companies are getting away with simply shifting blame to the other guy. I 'm not attaching any dcuments, all the documents are attached to dispute # XXXX. Bank of America actually contacted me 2 weeks ago asking me about the complaint, but wont return a phone call now, they are impossible to deal with!

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