Consumer complaint received 2015-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX/XXXX/XXXX we obtained a home mortgage from BofA. We made 100 % of our payments on time or early. Many months we paid extra. We mailed our payments with BofA provided stubs in BofA provided envelopes. In XXXX My husbands business failed and since we were personal guarantors, we filed for bankruptcy to get out of all business debt. Our attorney contacted BofA and the XXXX to let them know that we would honor all personal debt. XXXX sent through the paperwork, BofA did n't. Instead of sending though the proper paperwork, BofA quickly changed our mortgage from XXXX that would go through a bankruptcy to XXXX that would not. Unaware of the account change we continued mailing in our checks to BofA. BofA cashed those checks every month, but failed to credit them to our account. XXXX of XXXX. BofA reported us as being 3 months delinquent to the credit bureaus and began foreclosure proceedings. I only found out about it because I was getting a years worth of free credit monitoring because my financial information had been compromised through a stolen lap top from XXXX. I made XXXX calls to BofA to try and work things out. I sent them the copies of the checks they had cashed ( ironically which included the new mortgage account number stamped on the back ) to prove to them that I had made the payments. In XXXX XXXX they decided to credit my account, but only late and all on the same day - making it look like I had sent in the checks all at once and late. After XXXX more months of getting no where with BofA, I finally filed a complaint with the XXXX and only after XXXX got involved did BofA finally credited the checks on the proper dates for the proper amounts. Then they started sending requests for payment from XXXX different branches. Another mess which required cleaning up They failed to correct their fraudulently filed report of delinquency on my Credit Bureau report though. We continued to make our monthly mortgage payments and sent them in early with extra towards the principal every month. BofA refused to reversed their delinquency report on our mortgage stating it was discharged in bankruptcy. We told them repeatedly that we had requested to get the paper work but that they had refused. They had change our mortgage from XXXX that would go through a bankruptcy to XXXX that would not. We battled BofA for years on this issue. They said if we had asked during that 45 day window they would have. An out right lie since BofA changed our mortgage account without telling us. So the Credit bureaus erroneously reported that we had been delinquent on our mortgage and that because our mortgage had been discharged in bankruptcy we did not even have XXXX. The more we talked to BofA, the more they eventually revealed to us about what they had deliberately done to hurt us - all too late for us to do anything about because we were beyond windows of time for remedy. They were impossible to deal with, so we refinanced our home in XXXX XXXX with XXXX XXXX. They supposedly delinquent loan - we were never late and we always paid the amount that was due and usually extra towards the principal and the mortgage has been paid in full. Today I applied for a credit card, only to be turned down because of this " delinquency. '' I was not EVER delinquent. How many times do I have to prove it to BofA? They refused to remedy because they alleged we did n't do thing on a certain time frame. What they did n't tell us, was that they were deliberately lying to us so as to make us miss those windows and then after it was too late for us to correct anything they told us the truth. If anyone has been through a bankruptcy, it is a difficult time, but to have BofA deliberately lie and commit outright fraud is an outrage. BofA is a company I will NEVER do business with again. There is no level to which they will not stoop to hurt and destroy consumers.