Consumer complaint received 2016-01-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX, I became XXXX and there was going to be a period of transition from XXXX payments from my employer to ssa benefits. I completed loan modification paperwork and submitted to Bank of America only to find out the paperwork was never worked ending me in bankruptcy to save my home. I completed the Chapter XXXX requirements on time XXXX. In XXXX of XXXX, Bank of America sent paperwork requesting my mortgage payment go up from {$570.00} to {$790.00}, but the courts denied the request and sent me a letter signed by Judge XXXX XXXX entered XXXX stating I am to pay {$570.00} starting XXXX to Bank of America. Since the {$790.00} was not paid per XXXX they held my payments each month until enough was in my account to cover that amount then reported me to the credit bureaus as being late from XXXX until XXXX which is wrongfully reported. I started contacting Bank of America back in XXXX to ask them where I should start sending my payments and per their records I was still in bankruptcy to send it to my trustees office. I called back again in XXXX and XXXX advising them I needed the information to send my payments and was advised they still had me reflected in bankruptcy. I utilized my XXXX XXXX online bank pay to send the payments and have a track record proving I sent my {$570.00} payments on time and I advised them that they had the wrong tax information reported on my home and that my homeowners insurance policy information was wrong. The customer service representative stated I needed to contact my attorney and then contact XXXX because my policy went from {$1400.00} to {$2300.00}. I did just that and contacted Bank of American back to advise them that they were reporting me to wrongfully and penalizing me for their wrong information as well as XXXX XXXX XXXX mistake. XXXX XXXX XXXX backdated their mistake and fixed the policy, but per XXXX and XXXX, Bank of America will not. I advised XXXX that I will not pay the {$790.00} because that is not what I was to pay and I have the paperwork from the courts to prove it. She became unprofessional and stated I can file a complaint and forward whatever documents I have, but per their records they do not have any information showing I am not longer in bankruptcy and that I owed the {$790.00}. I asked her what they did with my payments and she stated they held them until the following month and it shows I am behind {$1600.00} that is due XXXX. I advised her that Bank of America had already been sued because of this same thing they did to me and others ; now I am out of bankruptcy behind their mistake they are trying to put me back in bankruptcy which I will not happen again. I am filing a complaint against them with the credit bureaus and with Consumer Protection Agency because this is unlawful. I asked them why when I spoke to a representative in XXXX she advised me that they had made a mistake that they had XXXX accounts for me and that a letter would be sent to me stating they had reported me in error to the credit bureaus, per XXXX and XXXX no documentation of that. I received the fax number and department of where I was to send my complaint along with documentation and hung up. I tried going to a Bank of America Mortgage branch and was advised that they do not handle complaints on deal with existing accounts only new loans so I would need to speak to customer service, which I advised the receptionist this is why I am here I got no where with them. I need HELP ASAP to fight and stop them from putting me back in bankruptcy and I want the negative reporting removed from my credit, along with a letter of apology and the correct amount I am to pay so that this can stop.