Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Follow-up : Bank of America XXXX XXXX XXXX RESPA Period Expired ( Account Ending in XXXX / Property : XXXX XXXX XXXX XXXX XXXX XXXX IL ) I previously filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding servicing failures by Bank of America No XXXX XXXX and now CLOSED and submitted via the CFPB on XX/XX/XXXX. The company provided only an interim response stating it was still working on the issue and later claimed to have responded directly to me. However, Bank of America did not respond directly to me regarding the matter at hand. The phone number they provided to the CFPB ( XXXX ) XXXX ) and unassigned number at XXXX XXXX XXXX. Bank of America " XXXX '' responded on XX/XX/XXXX. In XXXX, Bank of America retained XXXX XXXX XXXX who then failed to address timely matters as to the wrongful sale of a home of a XXXX Veteran managed by XXXX XXXX XXXX. An Order was issued by the Courts who failed to direct the lawsuit to the proper venue. XXXX XXXX XXXX concealed the information to XXXX incurring in a RESPA violation and more violations as licensed attorneys, agents of the Courts. Bank of America then responded that " The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint. My feedback on the CFPB portal clearly stated that the companys response did not address all issues, did not do what they said they would do, and that I did not understand or accept their response. Despite this, the CFPB closed the complaint. A hearing has been scheduled, and the Department of Veterans Affairs ( VA ) has acknowledged and accepted the error in question. The Office of the Comptroller of the Currency ( OCC ) has also adjudicated this issue in my favor. Notably, Bank of America sold my home without conducting a proper foreclosure process. This prior handling further demonstrates BANAs pattern of providing misleading, evasive, and incomplete responses. On XX/XX/XXXX, a letter was mailed with tracking to Bank of America. This qualified as a Qualified Written Request ( QWR ), Notice of Error, and Request for Information under the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605, and its implementing regulation, Regulation X ( 12 CFR 1024.35 and 1024.36 ). Under RESPA : - Bank of America was required to send a written acknowledgment of receipt within 5 business days ( approximately by XX/XX/XXXX, depending on exact receipt date ). They failed to do so. XXXX Bank of America was required to provide a substantive response including a reasonable investigation, correction of any errors if found, or a written explanation of the requested information within 30 business days of receipt. - Any extension of the 30-business-day period ( up to 15 additional business days ) required written notice before the original 30-day period expired, along with the specific reasons for the delay. Both the XX/XX/XXXX and XX/XX/XXXX letters fail to meet these RESPA requirements. They do not constitute proper acknowledgment, do not provide the required substantive response or investigation, and do not include a valid extension notice with reasons for any delay. Additionally : - Attempts to contact Bank of America using the phone number listed on their letters ( XXXX ) resulted in repeated disconnections, long hold times, and no meaningful access to a representative, causing significant time wasted. - As of today, Bank of America has not made any corrections to the credit reports and have failed to provide copies of any correspondence sent to the credit reporting agencies. This failure extends directly to the major credit bureaus ( XXXX XXXX XXXX XXXX ) and related entities such as XXXX XXXX. Bank of America has not corrected inaccurate or disputed information AND prior claims here, were made with false information as the numbers provided did not produce or constituted a valid number and letters were not issued. This resulting from the unresolved servicing issues, nor has it provided verification that it contacted these agencies to request or confirm corrections. These omissions violate RESPA 's requirements for proper investigation and correction of account errors, which in turn impact accurate credit reporting. Bank of America 's conduct is consistent with a broader pattern or practice of noncompliance with RESPA servicing obligations. This includes prior lawsuits and court orders in the XXXX XXXX XXXX XXXX, such as the XXXX matter ( XXXX XXXX. XXXX, involving BAC Home Loans Servicing f/k/a Countrywide and resulting in a consent order/judgment XXXX and the more recent XXXX matter ( XXXX XXXX. XXXX ). These cases, along with other documented errors and settlements involving Bank of America 's mortgage servicing practices ( including failures to properly respond to borrower inquiries and correct account/credit issues ), demonstrate repeated systemic problems and returned a property where matters were consistent with HOA accounting errors that let to the settlements for the inappropriate judicial and non judicial adjudications of claims. According to the US Dept of Justice Press Release, these matters had a patter of targeting " servicemembers and honorable discharge '' ( meaning UXXXX XXXX ) who served in theaters of war abroad. My family, met that criteria of targeted individuals due to their service abroad. As a result, the deadlines under RESPA 2605 ( e ) have now passed with no adequate substantive response received. This has caused actual harm, including wasted time and effort on failed communications, ongoing credit reporting damage, inconvenience, and frustration. Please have Bank of America provide the required substantive response immediately, including : - A full investigation and detailed written explanation regarding the issues raised in the XX/XX/XXXX correspondence ; - All necessary corrections to the loan account ( including balances, payments, escrow, etc. ) ; - Prompt corrections to the credit reports with XXXX XXXX XXXX XXXX XXXXXXXX, and all related agencies ; - Copies of all correspondence sent to the credit reporting agencies confirming that corrections were requested or made ; and - Written confirmation that these actions have been completed. Please let me know how you would like to proceed, including any next steps or escalation ( such as filing a formal CFPB complaint or pursuing further remedies ). Regards, XXXX XXXX ( XXXX ) 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