Consumer complaint received 2016-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please refer to the previous case numbers on same ongoing issues with my property. 
Case number : XXXX, XXXX As you already are aware Bank of America has succeeded in pushing me over the edge with its abusive, inaccurate tactics into foreclosure. The recent correspondence received by me with the erroneous information is listed below along with all documentation attached : They are foreclosing on my property with their attorneys ( which now number two law firms ) when they do n't have all the accounting and details right quoting their right to not respond to my previous questions completely through their " XXXX that do not require a substantive response or do not otherwise require a response under state or federal law. '' Nor are their statements supported by accurate documentation.See letter from their second law firm XXXX. Documentation from the first law firm was sent to you previously. I am also being charged for attorney fees for two law firms adding to my foreclosure debt. Is it necessary for the consumer to now deal with two law firms in foreclosure? On XXXX attorney letter the mortgage loan history is incomplete and inaccurate. There is missing data from XXXX XXXX, XXXX to XXXX/XXXX/XXXX when the loan was taken out and all payments I made during that time are not accounted for. Furthermore the beginning balance was {$53000.00} not {$47000.00}. ( Refer to XXXX paragraph under verification of debt.Under the equity HELOC loan the accounting is inaccurate and there is missing information ( see documentation attached ) According to statements sent to me when I did the 3 trial payments ( see attached ) they placed my trial payments under cash receipts not interest then charged me a finance charge each month which is unaccounted for on the loan history for HELOC - it is off the record completely. Plus each month my equity loan increased with the 3 trial payments no credit was applied to the principal. ( See all XXXX statements under new balance - each month the balance went higher. ) On page XXXX of attorney letter see note - another error occurred with the lender placed wind insurance -a policy was already in place and the error of cancellation was on the part of the insurance company at that time when they were going through a change in their computer system. It was all credited after I spent endless time trying to straighten out that mess including the escrow which should not have been started. The XXXX XXXX escrow was created on the mortgage because I was delinquent two months and the case manager claimed they had to create an escrow to " protect their interests '' even though all taxes and insurance were paid to date. There was no lapse in coverage. My insurance company will verify this. They continued with this redundant escrow adding it to my mortgage payment pushing me over the edge by over {$200.00} more in my monthly payment. My original payment before XXXX XXXX was {$410.00} and with their inaccurate total for escrow it pushed me further into debt when from XXXX XXXX to XXXX XXXX my monthly payment became {$640.00}. .Additionally the escrow amount was overpaid and inaccurate which I disputed in my last complaint and they are not going to do anything to rectify that according to their attorney letter. I am being billed incorrectly for 10 months. 
Another error in their statement p. XXXX paragraph XXXX for the mortgage I never requested loss mitigation assistance for the mortgage only for the equity loan. They sent me papers when I never applied for any loan modification on the mortgage nor should any escrow account be opened when I never even asked for help on the mortgage loan. This statement is inaccurate and does not match what the case manager claimed that the escrow was opened to " protect their interests ''. 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