Consumer complaint received 2016-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear CFPB, I XXXX XXXX am submitting this complaint in regards to Bank of Home Loans is foreclosing on my home, which is FHA/HUD Secure Mortgage fixed rate 30 year. I called you on the phone and I was told to submit my complaint at the CFPB website. They transferred my loan to XXXX Mortgage Services, a debt collector. And now that my home is foreclosure, XXXX Mortgage Services is now telling me that Bank of America Home Loans has my mortgage and is moving forward with foreclosure. Last week, Wednesday, XXXX XXXX, XXXX, I spoke on the phone with XXXX XXXX a Customer Research Department Rep. XXXX XXXX Mortgage. XXXX stated in regards to my home XXXX Mortgage started the Foreclosure process for Bank of America again. He stated that Bank of America say I owed for 3 months - XXXX, XXXX, and XXXX XXXX. I have copies of the canceled cashier checks for the 3 months in question, in which I submitted to XXXX several times as proof of my payments. 
XXXX took my payment of {$1600.00} on XXXX XXXX, XXXX via phone with my debit card. Bank of America would not allow XXXX to accept any more payments from me. I have the funds to pay my mortgage. I have been trying since XXXX XXXX through XXXX XXXX but XXXX refused to accept payments. As of today, XXXX Mortgage still refuse accept my payment because Bank of America will allow XXXX to accept my payments. Bank of America has moved the foreclosure date several times. This time they settled on a move out date of XXXX XXXX, XXXX. XXXX is representing Bank of America as the attorney. I talk to XXXX and they say they no longer have the loan, however, the acting as the attorney to move me out of my house. XXXX and Bank of America have posted my house online and assigned a broker XXXX XXXX of XXXX XXXX XXXX, XXXX a Substitute Trustee. The same Law Firm XXXX XXXX XXXX sent me a letter stating that I could stay in my home if paid rent of {$2000.00} a month. I found out from XXXX Mortgage Services that this foreclosure was be directed by Bank of America. On XXXX XXXX, XXXX, there was a notice placed on my door stating the house was vacant with a number for me to call. I called the number and it was not a working number. I contacted XXXX Mortgage Services and the company said it was not done by them. Bank of America or XXXX done this even though they knew me and my family are living in the house. I have talked with Bank of America along with my counselor XXXX XXXX from XXXX provided by XXXX, however, Bank of America refused to talk with us because they said my loan was no longer with Bank of America. Bank of America stated that my loan was transferred to XXXX XXXX XXXX, XXXX, in a document. If that is the case, why is XXXX saying I owe for XXXX, XXXX, and XXXX? I have my canceled checks for those three months. It seems no one is looking at the documents I provide to XXXX. Bank of America refused to talk with me and they do no request or accept any documents from me. From Bank of America 's accounting error, in which they are trying to foreclose on me, XXXX Mortgage Services states that I owe them, {$16.00}, XXXX, which include the accounting error ( XXXX payments missed by Bank of America accounting ), unapplied funds, Corporate and other fees. I currently owe Bank of America ( funds they refused to accept ) now for the months of XXXX through XXXX, {$11000.00} in which I have and will have this month 's payment on the XXXX, when I receive my Social Security benefits. I offer to pay the amount I owe because Bank of America refused to look at my canceled cashier checks or talked to me. I will attach continuation of what happened. See XXXX XXXX XXXX

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