Consumer complaint received 2026-07-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The bank claims they didn't get payments starting XXXX XXXX. They never sent any document that stated that. This default allegation is made up once again. They never sent a packet for A Successor in Interest. I have the check stubs to prove that it was not in default. They sent letters to wrong address XXXX XXXX XXXX XXXX on XXXX XXXX. As of XXXX they sent letters to wrong address for the first 3 months than they sent Notice of acceleration of loan maturity, why? when we were absolutely not in default. Account for there payment was allotment # 1, paid weekly right out of XXXX XXXXXXXX XXXX paycheck. Attached are the check stubs. How did they get a death certificate? I went in person and gave it to them. XX/XX/XXXX. I told them I am the surviving spouse and I live in the home. I asked about a mortgage life insurance they needed to process what I had that day and I asked about a bill they said I would receive it in the mail. Which I never did just a bill summary that did not make sense to me because the line starts with a date projection of payments XX/XX/XXXX - payment of XXXX than on the other summary it said XXXX for XX/XX/XXXX it did not say you must pay this now or we will foreclosure. When I called the person that sent the NOTICE on XX/XX/XXXX I tried to tell him what was going on with the mail and that I didn't understand what caused the foreclosure. He said plain as day, I don't have to speak to you, you were not on the loan and hung up on me. I have tried to explain to them they made a mistake they just kept taking paperwork faxed over to mortgage and than never heard back. I did this all the way up until XXXX. They violated federal rules that protect me. There is federal rules that applied here. It does matter that they keep lieing about the payments they lie till now if they had told me about this than I would have gave them these same copies. I filed Federal income tax with my husbands federal employment using his w-2. The 1098 for the loan was not included they sent it to the wrong address it still hasn't been changed after I have brought this to there attention as well. No change in this either so how is it that they continue to deceive me and this agency, credit bureaus, IRS and not accept that they did not comply with the federal rules. Yes a lady contacted me today and told me the same thing that I had no right to successor in interest. This is also not true. On the summary statement says XXXX for XX/XX/XXXX so where were the other payments going, it was weekly paid. You know they can't change what they have said or did but they will pay for what they did. They gave no fair warnings lied about mortgage life insurance, so is the loan number XXXX or XXXX? What is the MIN number is XXXX or XXXX? Because that is confusing having so many numbers. One of them was attached to a mortgage life insurance this what I applied for from the beginning. This back in forth with them has to stop they are not taking responsibility for how they handled the situation which has made his death stressful for me. If they do this in a regularly bases why are they allowed to handle any mortgages at all. Will attach what I have mentioned but I learned my lesson not to give them everything at once, they come up with something else. Thank you.

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 explanation