Consumer complaint received 2016-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I obtained a copy of my loan history report from Bank of America and the findings are VERY TROUBLING AND WORSE THAN I THOUGHT! Every month since the consummation of my loan in XX/XX/XXXX BOA has applied MY PAYMENTS TO " MISCELLANEOUS POSTING '' and still to date have funds not only in miscellaneous posting but in " partial postings '' not being applied to my loan. This is the NUMBER ONE REASON I HAD TO FILE A HOME LOAN MODIFICATION IN THE FIRST PLACE. I have brought this is up to EVERY ACCOUNT MANAGER I 'VE BEEN ASSIGNED DURING THE LOAN MODIFICATION PROCESS, ( so many CSR 's I 've lost count ) but no one could ever get it resolved as they were always waiting on a response and/or resolution " from another dept. within BOA. To further explain how I ALWAYS MAKE MY MONTHLY MORTGAGE PAYMENTS ... my husband and I have separate bank accounts so I always would CALL BOA AND PAY THE FEE TWO TIMES, ( even though while you 're in a loan modification process YOU ARE N'T SUPPOSED TO BE CHARGED ANY FEES MAKING PAYMENTS REGARDLESS ) just to make sure the payments were processed and applied correctly ... but they NEVER WERE APPARENTLY. The XXXX payment amounts from XXXX different accounts ALWAYS TOTALED ONE MONTHLY MORTGAGE NOTE AMOUNT IN THE AMOUNT OF {$750.00}. I ALWAYS STRESS TO THE PHONE REP WITH BOA THAT I NEEDED THESE PAYMENTS TO BE APPLIED TO THE LOAN AS XXXX PAYMENT NOT XXXX ON THAT PHONE CALL WHERE SHE WOULD DRAFT XXXX ACCOUNTS AND FUND THE LOAN BALANCE FOR XXXX TOTAL PAYMENT. I found out today the loan is XXXX payments BEHIND!!!! Please see the loan history report for highlights in pink of Miscellaneous postings and those in green for weird reversals/charges/fees and other odd discrepancies I ca n't explain nor make sense out of. 

Please see below for the other strange finding regarding the denial of my appeal request and the banks forgery of my documents received for my FHA Eligible Making Home Affordable Modification Program HAMP and Partial Claim. 

The letter and package I received declining my dispute on XX/XX/XXXX requesting my modification to be awarded back, ( that I was previously approved for ) came with the reason of the decline and stated, " the title of officer line of the Deed of Trust and your name was placed in place of the notary name on the modification documents ''. So my denial of the modification and previous eligibility was all due to a " said '' notary page that was notarized incorrectly, however that page that was inside this packet I received dated XX/XX/XXXX is n't at all the page I sent to BOA originally. I actually made copies of the pages I sent to BOA and pulled that file to compare. The page that BOA sent back to me has a name in the notary field that is NOT MINE! I 've attached a copy of TXDL for your comparison as well as my copy of that page which shows that space was actually left blank. So someone must have FILLED THAT NAME IN AT BANK OF AMERICA AFTER THE DOCUMENT WAS SENT BY ME. That handwriting is NOT MY OWN, please view comparisons and nor is it the handwriting of the notary, who actually is my sister and she also checked and verified this. Lastly, my sister knows my name, and does n't even need to look at my driver 's license for verification. Moving forward, this decline letter states NOTHING IN REGARDS TO MY ORIGINAL APPEAL REGARDING NEVER RECEIVING THESE DOCUMENTS IN THE FIRST PLACE IN ORDER TO CORRECT ANYTHING AT ALL! ( I 'm sorry for the writing all over the pages sent to me from BOA, I did n't think to make a copy first but I 've requested another copy ).

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 non-monetary relief