Consumer complaint received 2015-10-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Please refer to previous file number Case : XXXXEscrow account created when insurance and taxes were already paid by me creating an increase in my mortgage payment causing a multitude of problems with my account. 
As stated in previous complaints and documents Bank of America created an escrow account to " supposedly protect their interests '' when taxes and insurance were paid for the past 12 years on what is a 15 year mortgage. After spending countless hours on the phone to the insurance company for refund of funds to Bank of America, I obtained the refund from the insurance company for {$1200.00}. See recent transaction history document line XXXX/XXXX/15. Little did I know they contacted the new insurance company XXXX XXXX and requested another payment of {$530.00} when I had paid the new insurance company on XXXX XXXX, 2015. They proceeded to start again requesting escrow for the {$530.00} to supposedly get their funds adding an additional {$220.00} to my mortgage payment and refused to apply the regular payment of {$410.00} for my XXXX payment putting that into an unapplied fund. This has caused an extreme hardship for me and will not help me get caught up on my back payments when I only have 3 years left to pay off this mortgage. 
This has increased my regular payment due to {$640.00} causing my account to be delinquent by what is now XXXX plus months when this should not have occurred at all. When I made a payment by phone for {$1200.00} on XXXX/XXXX/15 ( see check image attached ) to the Bank of America resolution manager she assured me it would go to my monthly payments of XXXX, XXXX and XXXX XXXX was still unpaid because they put my XXXX/XXXX/15 payment in unapplied funds claiming it was not fully paid. My funds of {$1200.00} did not go for the XXXX, XXXX and XXXX payments as indicated by the resolution manager ... instead they continued with this escrow amount claiming they also wanted the past due balance, fees, inspection fees and whatever else they added which I have no detail on and that they will continue to escrow beyond the insurance payment. It was my understanding taxes and insurance were to be escrowed not fees, inspection, etc. Again, taxes and insurance to date are paid and have been paid in the past. Bank of America has deliberately and deceptively sabotaged all my efforts to pay my mortgage which in reality should be two months behind. Due to their underhanded business practices they have jeopardized my mortgage with their ongoing tactics. Refer to all documents attached and previous documents sent to the CFPB. My account is so twisted it is now beyond belief. They are now claiming only XXXX and XXXX are paid and there is an unpaid balance of {$240.00} for XXXX and XXXX, XXXX and XXXX are late. Plus they claim I am overdue {$2100.00} with no detail as to what this is for when I requested a detailed accounting. Then they have {$390.00} in unapplied funds. ( See attached document ) Note too that on the transaction document attached they took {$94.00} out of the unapplied funds, applied it to the balance left of the insurance payment {$94.00} then reversed it on XXXX/XXXX/15 without putting it back to the unapplied funds amount which they took out of in the first place leaving an inaccurate amount of {$300.00}. Additionally on the XXXX XXXX, 2015 statement attached they list {$23.00} which I have no idea where that came from.