Consumer complaint received 03/23/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: This is a up of Complaint Number XXXX filed XXXX XXXX. 
This is also a follow up of XXXX XXXX filed XXXX XXXX. 
This is my third filing of this complaint. 

Bank of America has violated Federal Law. 

Federally regulated XXXX XXXX and XXXX XXXX   Loans have very specific guidelines for areas effected by natural disaster. The Federal Emergency Management Agency ( FEMA ) designated our area eligible for individual assistance. The US Department of Housing and Urban Development ( HUD ) also provides information on these guidelines. According to the Federal guidelines all XXXX XXXX  and XXXX XXXX back loans within a FEMA designated disaster area ( hurricane IRM ) are eligible for forbearance for up to 12 months, no late fees, no delinquencies reported to the credit bureaus and no requirement to catch up on mortgage payments after forbearance. 

Bank of America has not followed these Federal Guideline. 

XX/XX/XXXX letter from Bank of America clearly states that they would have a resolution to this issue by XXXX XXXX. This was a letter in response from the second complaint. Nothing has been resolved. 

XXXX XXXX my 3th dedicated CRM manager XXXX XXXX was assigned ( XXXX XXXX, XXXX XXXX were my previous ) XX/XX/XXXX defines that the loan is under review for the Special Forbearance Plan ( SFB ) and the state that it is under review for Capitalize and Extended modification plan. Nothing has happened. 

XXXX XXXX Mortgage Statement clearly requires me to pay the full amount of {$5500.00}. Also note that I am being charge a late fee under Explanation of Total Amount Due which is a violation of the Federal Guideline. 

XX/XX/XXXX I made my normal payment of {$1300.00}. The payment was accepted. 

XXXX XXXX I am assigned my 4th CRM XXXX XXXX. 

XXXX XXXX I received a letter that clearly stated that I owe the entire amount of {$4100.00}. This is a violation of the Federal Guidelines. 

XXXX XXXX Mortgage Statement clearly requires me to pay the full amount of {$5600.00}. Also note that I am being charge a late fee. 

XX/XX/XXXX I am assigned my 5th CRM XXXX XXXX. 

XXXX XXXX I made my normal payment of {$1300.00}. The payment was accepted. 

XX/XX/XXXX Mortgage Statement clearly stating that I now own {$5700.00}. 

XXXX XXXX I made my normal payment of {$1300.00}. The payment was held. 

XX/XX/XXXX I received a letter stating that they received my payment of {$1300.00} and that this amount was being held in an unapplied funds account. The letter contradicts itself by clearly stating that my full monthly contractual monthly payment if {$1300.00}. 

XX/XX/XXXX I just received Mortgage State that clearly requires me to pay {$5800.00}. This is a violation of Federal Guidelines. 

Over the course of the past three months I have received various phone calls from one of the many CRM 's assigned to the case. They have told me various stories that I am sure are recorded. They have told me they will Capitalize and Extend and nothing happens. I have been assigned 5 CRM 's and when I return the call they all say they are working on it. My last conversation with a CRM or whoever it is this week told me I was going to be put on a trail payment plan. I have yet to see any information on this plan. 

Bank of America violated Federal Guidelines. 

This is my third complaint. Nothing is happening and Bank of America just continues to violate Federal Guidelines. They never follow up on my complaints they just produce a letter that says that they are working on responding to my complaint. 

I want to the CFPB to open an investigation. I am a consumer and at this time I feel that my rights under The US Department of Housing and Urban Development, Consumer Credit Protection Act,  XXXX XXXX, XXXX XXXX and FEMA are being violated and I want Bank of America to be held accountable. 

If this complaint is not resolved within 15 business day I will be forced to present these violations with copies of the CFPB complaints to the : Federal Reserve : Board of Governors of the Federal Reserve System Division of Consumer and Community Affairs XXXX XXXX   XXXX XXXX, XXXX, XXXX  XXXX XXXX, DC XXXX Furthermore I have reached out to the my attorney to discuss filing of complaint in the form of a lawsuit with the : United State District Court XXXX XXXX XXXX Florida XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Florida XXXX

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 non-monetary relief