Consumer complaint received 2022-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My ex husband and I are both on mortgage with Bank. The home is deeded to me. I attempted to pay my monthly mortgage in in XX/XX/XXXX online like I always do. I was shocked to see that my mortgage account had disappereared from my Bank online account. Frantic I called because I wanted to pay on time. The mortgage department informed me that my ex filed a bankruptcy petition and that my mortgage account was locked out to me. They told me I had to call each month, ask for permission to pay, ( on my own account incredibly ) and within five business days to call back and then pay. I did this for a few months. I asked the mortgage department what my rights were, did I need to do anything, that I do not want any issues with my home, did I need to affirm the loan etc. They said this was all proforma and I will be fine. In XXXX I noticed my mortgage account reappeared on my online account. I paid, and looked at the transaction history. Bank added three charges stemming from the bankruptcy -- three attorney fees totalling {$1500.00} I called and inquired. They could not give me answers. The supervisor XXXX said they would conduct a case and call me. They never called. I called them three or four times to no avail.One supervisor told me a letter was sent out to me on XX/XX/XXXX about my account.I asked to read it to me and she said it was not there for her to see!! Never got it. I called again on XX/XX/XXXX and I got different facts. I was told that the debtor ex husband 's bankruptcy was discharged on XX/XX/XXXX. That only the debtors bankruptcy attorney can dispute Bank attorney fees, not me and that Bank has no authority to waive them. She told me I did not need to reaffirm as it was a chapter XXXX, but that my mortgage account will be flagged for years as a subject of bankruptcy. It would affect MY CREDIT. I freaked as I WAS NOT the petitiioner, and never sought my mortgage obligations to be extinguished!! She told me to refinance -- but all closing costs will of course be mine -- totally not fair or just. It seems they want me to drum up more revenue for them!! I found out from debtor and his attorney that debtor was NOT GRANTED THE BANKRUPTCY relief. He dismissed it on his own. Debtor and his bankruptcy attorney never recieved any bills, invoices, requests for Bank atty fees. It was never presented to the XXXX Bankruptcy Court in Georga. I was never advised nor given ANY NOTICE of fees that were being levied against me. Furthermore, Bank NEVER gave me ANY NOTICE that there was a Bankruptcy Petition from debtor. In fact, debtor was NEVER SEEKING to include this mortgage in his bankruptcy petiton as he does not own property and has not paid a cent since XXXX when home was quit claimed to me. He was seeking relief for HIS OWN home in Georgia, not mine. Bank lied to me that he was granted the bankruptcy petition and that they do not have discretion to waive these fees. These fees are all DISCRETIOINARY for Bank of America, yet they are misleading me and are hurting me by taking on {$1500.00} worth of their own internal fees for a proceeding which I WAS NOT THE PETITIONER or named in any way .Further, the debtor attorney nor myself has never received any itemized billing/accounting for so called fees. This is outrageous. I believe they tacked the {$1500.00} right onto my principal mortgage balance -- -shameful. I dont know if they added it to principal or are expecting me to pay this fee which is NOT MINE with my monthly payments!! Bank is a HUGE FINANCIAL INSTITUTION and as such has extreme power. I do not. I am a woman who has paid her mortgage on time since XXXX after a divorce where I was left penniless raising XXXX boys alone. PLEASE HELP ME!

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