Consumer complaint received 2024-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/XXXX, I paid Bank of America/Countrywide an online payment of {$2800.00}, and per the attached Bank of America Bank Statement for XX/XX/XXXX, the payment for {$1400.00} and {$1400.00} totaling {$2800.00} cleared my bank account XX/XX/XXXX. 

{$1400.00} was for a XXXX XXXX XXXX XXXX billed in XX/XX/XXXX after I had paid the annual premium of {$1300.00} in XX/XX/XXXX by way of my escrow account. I paid XX/XX/XXXX within XXXX and was not XXXX  days late. I did not make any payment in XXXX nor did Bank of America return part of the payment I made XX/XX/XXXX nor did Bank of America ever claim the XX/XX/XXXX payment was partially refunded to the Bank of America bank account it was drawn on, on or around XX/XX/XXXX. 

I paid my XX/XX/XXXX payment within XXXX  days XX/XX/XXXX and it was not XXXX  days past due at all, along with my XX/XX/XXXX payment, which was not XXXX  days late, and my XX/XX/XXXX payment was made with the XXXX payment and was not XXXX  days past due. The unwarranted reversal of my bank cleared XX/XX/XXXX payment almost XXXX weeks after it cleared my bank account due to insufficient funds is a false statement by XXXX XXXX as uploaded to XXXX. 

This XX/XX/XXXX payment reversal XXXX weeks after a XXXX {$1400.00} XXXX  double billed premium and {$1400.00} payment made XX/XX/XXXX for {$2800.00} cleared my bank with sufficient funds on XX/XX/XXXX, is an error that caused the unlawful claim I was XXXX days further past due every single month up until transferring this false information to XXXX, causing the automated generation of XXXX late payment fees to which totaled {$2500.00} that XXXX FORCED me to pay, not deferred late fees that totaled {$1200.00} for XXXX late fees as you succinctly described, causing the inaccurate claim that my XX/XX/XXXX was made for XXXX instead of my XX/XX/XXXX payment as Bank of America states that they correctly reported XXXX as paid as agreed to my credit tradelines by Bank of America for XXXX  years.

Bank of America is liable to me, for misrepresenting my XX/XX/XXXX payment for XXXX ( XX/XX/XXXX payment was paid for XX/XX/XXXX ) to XXXX, causing XXXX to onboard the loan XXXX month in arrears as stated in their XX/XX/XXXX XXXX billing/welcome letter I received on XX/XX/XXXX - and caused XXXX contractually agreed payments to appear as XXXX  days late after your company transferred the loan to XXXX, which to this current day, appears in XXXXXXXX XXXX  Verification of Mortgage, causing me future damages in losing the opportunity to ever be finally underwritten for a residential loan since XXXX. 

Unfortunately, I was never provided a Notice of Acceleration in XXXX and never made large payments as multiple payments that indicate I paid up the loan in XX/XX/XXXX. Unfortunately, I was never provided a goodbye letter, yet the XXXX attached to the false claims by XXXX XXXX uploaded in a response to the CFPB XX/XX/XXXX is in fact addressed to XXXX " XXXX XXXX XXXX XXXX XX/XX/XXXX not to me, to which XXXX  never received and they sent Bank of America my XX/XX/XXXX Insurance billing, and XXXX almost missed paying the homeowner 's premium only because XXXX  called me to remind me the bill was due in early XX/XX/XXXX, to my surprise. I never had any acceleration, default requiring pre foreclosure nor did I ever apply for modification with Bank of America or Countrywide from XXXX to XX/XX/XXXX. 

Please explain why part of a payment is claimed as reversed but {$1400.00} was not, and provide me with the name of the bank the payment was drawn on as proof of this XX/XX/XXXX insufficient funds electronically transferred refund of a bank cleared XX/XX/XXXX cleared payment actually occurred. Please provide the notice provided to me by Countrywide that they rejected a portion of a bank cleared loan payment, immediately, because I never received any notice of a {$1400.00} credit to my bank in XX/XX/XXXX from Countrywide.

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