Consumer complaint received 2024-06-14 00:00:00
Product: Mortgage — Conventional home 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: OK

Complaint narrative:
THIS IS NOT DUPLICATIVE - BOA Regulatory agents refuse to resolve the matter. _____ XX/XX/XXXX I paid a larger payment that included a loan payment for XXXX XXXX of {$1400.00} and a double billed XXXX XXXX dba AAA homeowners premium of {$1400.00} ( that was originally paid for in XX/XX/XXXX in the amount of {$1300.00} ) in the total amount that cleared my bank of {$2800.00} on XX/XX/XXXX. ________________ Without justification, on XX/XX/XXXX, BOA Home Loans dba Countrywide reversed credit for the XX/XX/XXXX loan payment in the amount of {$1400.00} with internal notes claiming the reversal 7 weeks later was due to non sufficient funds.________________ I was never noticed this payment was reversed in XXXX. __________________ Also. XX/XX/XXXX, BOA charged me for a returned payment charge of {$25.00}. This charge was never disclosed as being for this purpose, only a claim of uncollected costs. XX/XX/XXXX, without my knowledge or without refund, Bank of America then credited the unknown charge to an already transferred loan without disclosure to XXXX XXXX XXXX the transferree._____________________ This error in payment credit reversal caused all of my BOA loan payments to have been misrepresented as credited to the month before the payment was made or made for from XX/XX/XXXX to XX/XX/XXXX, causing a misrepresenation that the loan was consistently 30 days past due for a total of 5 years including transfering this error to XXXX who also claimed I was consistently 30 days past due from XX/XX/XXXX to XX/XX/XXXX when I was not at all thirty days past due during these months._____________ The inaccurate payment reversal as seen in the BOA XXXX payment history on XX/XX/XXXX was the direct cause of these actions occurring at BOA and at XXXX XXXX ________________ BOA regulatory agents XXXX XXXX and XXXX XXXX have produced no evidence that this erroneous line entry was meant for any other month than the month of XX/XX/XXXX being reversed in its credit, and claim the matter is resolved by stating it is XXXX 's problem to handle because they transferred the loan and the error to XXXX. ______________ XXXX failed to report my XXXX XXXX 's disputing a XXXX late fee charge to BOA and prevented me from knowledge of the reversed XX/XX/XXXX payment credit on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to which XXXX claims to have confirmed with BOA Home Loans to have been accurate, with both servicers concealing the reversed credit for my paid and cleared XX/XX/XXXX loan payment made within a larger payment on XX/XX/XXXX. ____________ BOA claims XXXX has all the BOA/Countrywide documents but XXXX is refusing to produce any evidence that a payment other than the XX/XX/XXXX payment was reversed as of XX/XX/XXXX. ______________ This error makes false information occur in payment history in XXXX 's current verification of mortgage, last dated XX/XX/XXXX. ________________ Both servicers ignored this error causing me grave financial prejudice and damages by ignoring their dual obligation to have investigated and make corrective action together within one year of the transfer between the two servicers which was between XX/XX/XXXX to XX/XX/XXXX which I made proper XXXX 's that went unanswered by either servicer._________________ I am seeking an account adjustment of {$1400.00} which BOA/Countrywide accepted XX/XX/XXXX and a readjustment of what month each payment was made for, immediately.__________ Evidence of my claims have been uploaded to complaints made from XXXX to XXXX of XXXX against both BOA and 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 explanation