Consumer complaint received 2015-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX I retired from the XXXX XXXX XXXX, the area I was living in then had no jobs available to me and the skills I retired with. So, I decided to go back to school to improve my marketability by completing a XXXX XXXX degree, which I did in 36 months. 
I recently discovered on my credit report that Bank of America has reported to the credit bureau that several of my payments were seriously late ( 30 - 180 days ). My Bank of America account No. XXXX, ballooned last year in XXXX XXXX. In XXXX XXXX I initiated negotiation to have the loan modified ( roll over ) or granted an extension. I was still in school and a XXXX 5 months away from completing my XXXX degree when the ballooned occurred, so I was unable to pay the full balance at time. The loan/account agent I was assigned to was XXXX XXXX XXXX ; she can be contacted at ( XXXX ) XXXX to verify status of loan modification process. 
During the process of the loan modification, I have never missed or made any late payment for the minimum payment required to keep the loan in good standing, in fact over the life of the loan I did not make any late payments. 
Fortunately, immediately after graduating from college on XXXX/XXXX/XXXX, I was able to get a job in the XXXX ( XXXX ) field, and since then I was also able to have paid off the balance in full, XXXX XXXX. What I did not know was that during the loan modification process Bank of America was reporting me as delinquent and pats due during the modification process, while I was paying the extra interest they requested. So, on XXXX note they seem to have been trying to help me resolve the issue and on the other hand they were destroying my name by making it impossible for me to even get a loan to pay off the balance, by destroying my name on the credit bureau. 
Unfortunately, the negative information that Bank of America has posted on my credit has significantly lowered my credit score, and now I in jeopardy of losing my new job I have worked so hard to get by going back to school. Because of the negative information Bank of America has posted with the Credit Bureaus I am not even marketable anymore in my new career. Working in the XXXX field requires me to be able to pass a background check at any time. With such a bad stain not on my credit report, now my character looks questionable. I am pleading, no begging anyone, someone to help me with what I consider to be very un-fair lending practice. At a minimum this is very questionable especially when the borrower is making an attempt to repay the loan and then was ultimately able to pay the loan off. 
As a veteran I have put by blood on the line for this country every day when I was XXXX for over XXXX years, and now I feel that so much is stacked against us, even when we scratch and try to claw our way back into trying to be a productive part of our society. This is not fair for Bank of America to be able to do this to any person. 
Please, I am requesting that these items be either removed or updated to reflect the correct picture of my character. I did not try to defrauded Bank of America in any way ; I paid the extra interest they asked for and including the full balance. It is not fair that they collected extra interest and also the full balance of the loan and then destroy my name at the same time. 
Please I am begging for help to resolve this issue as soon as possible. Thanks for your time any advice you can provide regarding this issue.

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