Consumer complaint received 2016-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I began receiving the following documents from Bank of America ( BofA ) and XXXX XXXX, XXXX ( Atty ) : 1. XXXX/XXXX/2016 : US Bankruptcy Court Statement In Response To Notice Of Final Cure Payment ( Filed XXXX/XXXX/2016 ) stating Pre-Petition Default Payments that BofA, N.A., " Agrees that Debtor ( s ) has paid in full the amount required to cure the default on Creditor 's claim '' and Post-Petition Default Payments that BofA, N.A., " Disagrees that Debtor ( s ) is current with respect to all payments consistent with 1322 ( b ) ( 5 ), and states that the total amount due to cure post petition arrears is : Total Amount Due : {$8200.00} '' ( Atty ) XXXX. XXXX/XXXX/2016 : NOTICE OF THE RIGHT TO CURE THE DEFAULT AND INTENT TO ACCELERATE ( dtd XXXX 2016 ) stating, " The home loan is in serious default because the required payments have not been made. Bank of America , N.A . has the right to begin the process of foreclosing on the debt and may initiate foreclosure at any time after forty ( 40 ) days from the date of this notice ... '' ( BofA ) XXXX. XXXX/XXXX/2016 : Bank of America Home Loans Statement ( dtd XXXX/XXXX/2016 ) indicating the Total amount due is {$9200.00}. 
XXXX. XXXX/XXXX/2016 : Bank of America Home Loans Borrower Response Package ( dtd XXXX/XXXX/2016 ) stating, " Our records indicate you have not made your last four or more regularly scheduled payments. Subject to applicable law, foreclosure activities typically begin after four missed payments, so it is important that you take action on this issue quickly. Ignoring the situation and continuing to let your payments become past due will put you at risk of losing your home to foreclosure ... '' XXXX. XXXX/XXXX/2016 : NOTICE OF FORECLOSURE SALE ( dtd XXXX/XXXX/2016 ) stating, " By letter dated XXXX XXXX, 2016 ( the " Initial Communication Letter '' ) we notified you that the above-referenced loan had been referred to this law firm for handling ... '' ( Atty ) XXXX. XXXX/XXXX/2016 : " EXCEPT AS MAY BE NOTED HEREIN, THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. '' ( dtd XXXX/XXXX/2016 ) ( Atty ) XXXX. XXXX/XXXX/2016 : Bank of America Home Loans ( dtd XXXX/XXXX/2016 ) stating, " Based on a careful review of your loan, we are offering you an opportunity to enter into a Trial Period for a loan modification ... '' I have in fact made payments for the entire time period that BofA and XXXX XXXX alleges that I have not made in all of the overwhelming notices that I have received thus far. For over three weeks I spoke to numerous Bank of America personnel in various departments ( See communication notes ) who transferred me back and forth between them with no resolution, and would not accept my XXXX 2016 payment. From the customer view, it appears that the left hand is not aligned with the right hand and that the head has been cut off! 
Also, on XXXX/XXXX/2016, I requested my payment history from BofA, including the time they allege I missed payments. The transaction details clearly show where they have received my payments during this same timeframe. There were a lot of unexplained reversals that I have been awaiting an explanation for from BofA 's Ledger and Balance Department since XXXX/XXXX/2016. 
In addition, I responded to all of the notices of allegations ; hand delivered to XXXX XXXX, XXXX ( XXXX/XXXX/2016 ) ; and mailed via US Postal Service certified return receipt to BofA Home Loans in XXXX, XXXX and XXXX, XXXX ( XXXX/XXXX/2016 ) ( See attached ) Lastly, this distressing ordeal, dealing with BofA and XXXX XXXX have interfered with my ability to obtain a suitable consumer credit for a car loan. My life is on hold and I have been in " WAIT MODE '' since I started receiving these defamatory allegations. I have acted in good faith and BofA and XXXX XXXX have failed to conduct due diligence, appeared to have failed in meeting their legal obligations, and are operating with broken business practices. 
This entire ordeal has caused me extreme undue stress to no avail!

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