Consumer complaint received 2017-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My mortgage payment with Bank of America has never been late for 11 years. During the month of   XXXX   XXXX  , I made a change to the automatic payment of my mortgage. The change resulted in my mortgage payment being not credited to the loan account, but to a Bank of America 's credit card account. Due to that mistake, my mortgage payment was delinquent on   XXXX   XXXX   for more than 30 days.
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Until   XXXX   XXXX   XXXX  , I was not informed by Bank of America by phone or written notice regarding the delinquency. The only reason I found out of the delinquency was because a service that I use,  XXXX , informed of a drop on my credit history rate.
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I called Bank of America on the same date,   XXXX   XXXX   XXXX  , and explained the situation. Bank of America never informed me that I could have retroactively transfer the credits I have on my Bank of America credit card to my Mortgage account with Bank of America. I made the payment over the phone on that same call on   XXXX   XXXX  , and they also refunded all fees related to late fees. On that recorded phone call, on   XXXX   XXXX   XXXX  , I was informed by the Bank of America associate that there were no records of attempted calls from the collection department to inform me of the delinquency.
I also did not received any written notice from Bank of America before   XXXX   XXXX   informing on the delinquency of   XXXX   XXXX  .
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My credit payment history is impecable with all companies I have applied for credit.
My credit rating was above 800 in almost all Credit Report Agencies. That mortgage delinquency reported by Bank of America made my credit report to drop around 200 points. It took me more than 17 years to build an impecable credit history. Bank of America reported a delinquency without good faith efforts attempts to contact me, violated a RESPA regulation ( 12 CFR 1024.39 ( a ) ) and my rights as a consumer. My voice mail on my phone estates my name and request the called to leave a message. I never receive any voice mail from Bank of America.
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I have records of the credit card account holding the credit amount due on my mortgage ( I did not owe any amount on the credit card on XX/XX/XXXX  so the payment done was applied as a credit to my credit card account ). The date of this payment is the same date of the mortgage due,  XX/XX/XXXX .
It was clearly a mistake on my part, but I am not a number. I am a good consumer with an impecable payment history, not having any late payment or delinquency in 11 years of mortgage.
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Bank of America did not make any attempt to contact me by phone, mail or email within 36 days of my mortgage delinquency, which is a RESPA violation ( 12 CFR 1024.39 ( a ) ). Based on that, I requested Bank of America to contact the Credit Agencies to remove the delinquency from my credit reports. However, Bank of America refused to do so.
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Bank of America did not make any attempt to contact 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 explanation