Consumer complaint received 2017-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is not about a mortgage but you no longer have the appropriate boxes for various complaints.     This is yet another complaint about Bank of America purchasing, once again, flood insurance on my home when I already have it. You closed a complaint with them just weeks ago and then they went out and bought it again. It 's insanity. This is the second time in several months that they have done it and probabl y 10 ti mes in 11 years.     I try to work with th eir Executive Customer Relations tea m who simply needs to follow through with my agent to confirm I have the insurance, but because none of the Bank of America departments communicate with each other it just keeps happening over and over again. So now they have once again illegally double insured my property.     This is harassment. Every time we almost have it resolved they start harassing me again. Most recently they made me go back and supply documents proving insurance coverage from a previous company. They have the documents!. They have them in their files because they made me produce those in the past. It 's just harassment.     Every time I get another letter or phone call from Bank of America my  XXXX   XXXX    XXXX   XXXX   and I get   XXXX   XXXX  . The   XXXX   is intolerable. 11 years of this is too much and action needs to be taken to stop them. Their incompetence as a company is no excuse to let harassment continue toward their customers just because they ca n't run their business.     I believe this is a case of the discriminating against me and harassing me simply because this loan is in the estate of my partner who died of   XXXX   11 years ago. There is no other logic here as it just keeps happening and happening and happening since his death 11 years ago. They purchase the insurance under the estate of  XXXX   XXXX . The estate has been closed for years. Thus, they know that if there were a claim I would not be paid. You ca n't purchase insurance under an entity that does not exist! This has been confirmed many times by various entities but they continue to do it. My name is on the deed and that 's the only person you can insure. Even my insurance agent confirmed with them that you ca n't buy insurance for an entity that does n't exist. So not only have the illegally double insured the property once again, but they are making sure that I would never be paid if something were to happen. What they are doing has to be illegal The harassment has to stop.     I had to go all the way to the Department of Ju stice five years  ago to get this to stop. I pay my mortgage on time and pay and extra {$500.00} a week and I continue to be harassed. It 's become clear after this latest round that this is discrimination. There is just no other reason why they would continue to harass me. You could n't find a more responsible customer so they have to have some other agenda in relation to this loan.     I 've filed another complaint yesterday with the Department of Justice and will continue with with the  US Attorney General and several other agencies. I had to go this far five years again and will do it again. This whole thing very well may put me in the hospital but I do n't know how else to end it. The lette rs just keep coming and I have done nothing wrong.

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 monetary relief