Consumer complaint received 2016-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I want to file a claim against Bank of America. 

I checked my credit report on XXXX XXXX, XXXX, 13 months after I entered a loan modification program with BoA and was shocked to see that all major credit reporting bureaus have destructive red marks on my credit for XXXX, XXXX and XXXX XXXX. 

Following is a history of my transaction with BoA : 1 ) XXXX XXXX, I began the process with BoA to modify my existing mortgage loan. Accepted into their program on XXXX/XXXX/XXXX, my modified loan rate was locked after I completed a 3-month trial which required Imake mortgage payments on XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX. 

2 ) My BoA liaison was XXXX XXXX. After I was accepted into the Home Affordable Modifcation Tier XXXX Program on XXXX/XXXX/XXXX, I expressed my concern to her that BoA continued to mail me my pre-trial period mortgage payment coupons as I was participating in the loan modification program. She told me to NOT make those payments and pay only the modified loan amount, exactly as stipulated by the trial period agreement. I did so successfully. 

3 ) Attached are documents which include : - a Congratulations letter that I was accepted into the program, dated XXXX/XXXX/XXXX - BoA 's thank you for participating in the home loan assistance program and that I no longer had a single point of contact, dated XXXX XXXX, XXXX - my complaint letter to BoA, dated XXXX XXXX, XXXX - a copy of the complaint submitted to BoA by XXXX XXXX, BoA employee at the XXXX, NY, dated XXXX XXXX, XXXX - BoA 's response to my letter, dated XXXX XXXX, XXXX - the result of BoA 's 'investigation ', stating that I was deliquent when I entered the trial period, dated XXXX XXXX, XXXX - my payment history from XXXX to now ( absolving me of all late fees after I was accepted into the loan modification program ) that shows I was NEVERdeliquent 4 ) BoA 's responses, not in writing : a ) XXXX XXXX is at fault because as part of Countrywide XXXX the organization appointed by the U.S. government to handle all BoA loan modifications, she was not a committed BoA employee, appointed as a contractor and lacked the proper education to reverse the erroneous credit report b ) I was 'lucky ' to have been approved for a loan modification because BoA was not in the habit of authorizing such assistance after its financial 'issues ' c ) my case 'fell through the cracks ' d ) BoA applied my mortgage payments to previous months ( huh? ) XXXX ) I was 'deliquent ' when I entered the program BoA 's excuses have not comforted me, nor has my credit been reinstated. 

From my attached mortgage loan payment history, you can see that I was not, nor have ever been, 'deliquent. ' If I had been, I would not have been eligible for a mortgage loan modification. If Ihad been deliquent, then why were only the 3 months I participated in the 'trial modification ' highlighted? 

On XXXX XXXX at the XXXX, NY branch of BoA, I asked XXXX XXXX XXXX, the XXXX who assisted me, for hardcopies of my payment history. He denied me but filed a complaint directly to BoA 's credit reporting division. As a consumer, I ca n't appeal directly to BoA 's 'credit reporting division. ' I was locked out from creating an online account using my mortgage loan number. After a half hour with BoA 's technical team, we were all perplexed that I was locked out. 

I got a copy of my payment history by calling BoA 's customer service hotline. 

BoA 's negative comments on my credit report are incorrect, negligent and insulting. Their treatment of me as a 'valued ' customer customer, XXXX now an additional 10 years in their debt, has been atrocious. I appreciate your assistance in ending this traumatic experience, restoring my good credit, and helping me to move forward. Thank you. 

PS : I just learned that BoA sold my loan to XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. Curious, no?

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