Consumer complaint received 2016-12-27
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America started servicing my Mortgage in XXXX. I had a conventional loan. I received a permanent home modification in XXXX. My loan has always been in good standing and was never deliquent. I modified the loan to get a lower interest rate. Apparently Bank of America made some mistakes during this process of the modification and I had to do the Modification over again. In XXXX Bank of Americaa sold my loan to a Dept Collection Agency named XXXX. This company has unscrupolus business practices that has caused emotional and financial harm to me. In XXXX, XXXX, I began to make my contractual mortgage payments to XXXX as my new servicer in the amount of {$620.00}. XXXX immediately claimed I missed a payment to Bank of Americia on XXXX XXXX and begin to harrass me on my cell phone demanding that I pay them. I told them I had never missed a payment with Bank of America and why would they concern themselfs with my Morgage with Bank of America 2 year prior to them taking over my loan? XXXX claimed they paid Bank of America the missing funds on XXXX XXXX, XXXX and begin to charge me late fees and evenutlly cause my loan to go into Foreclosure. XXXX also increased my Mortgage amount from {$620.00} to {$790.00} stating I had a shortage in Escorws without properly notifying me of the large increase. When I paid the amount I was contracted to pay, XXXX put my mortgage payment in a suspense account stating they do not take partial payments. XXXX begain to add late fees, unauthorized inspection fees and demanded full payment and threatend to start legal procedures of foreclosure. I contacted XXXX representatives in XXXX week trying to resolve this proplem. XXXX did XXXX escrow analysis from XXXX XXXX to XXXX, XXXX and each time my escow shortage changed with each representative. I contacted Bank of America and aske them if they have any knowledge of a missed payment and they said no. I asked Bank of America to fax over my payment history which they did and there was no record of a missed payment. XXXX continued to harrass me as a collection agency does. I was confused about how my mortgage having been serviced by a professional and reputable company such as Bank of America could go from excellent payment history to Foreclosure in a matter of 4 months. I was so distraught I reached out to my brother for support that perhaps I was somehow making a mistake. He looked at my banking records from XXXX XXXX Bank and Bank of America 's record and he too found no missing payments and he wrote the CEO of the Company and filed a complaint that XXXX was falsesifying records to delibertly cause my loan to be in default, however, XXXX 's investigation found no errors and reported my loan deliquent to the credit bureau and I was disqulified from receiving my {$5000.00} inscentive payment for keeping my loan in good standing. After much grief dealing with a Criminal company, I reached out to the XXXX office to file a complaint against XXXX and discovered XXXX is not a bank at all they are a fly by night collection company. Bank of America has no documentation of XXXX ever sending them funds on XXXX XXXX and there is no missing payment. XXXX is running scams on their customers and there is plenty documentatiion as such. My loan should have never went to a collection agency and XXXX uses off shore agents to handle mortgages and unauthorized escrow agents who are not trained and who has made many mistakes on my account. In XXXX, XXXX blessed me to receive the hardest hit fund in the amount of {$20000.00} to be applied to the principal balance but Nationstar didnt apply the funds until XXXX, XXXX. I had made several extra payments to my principal balance but XXXX refused to apply these funds as I alocated .Why was my loan turned over to collection