Consumer complaint received 2023-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America was not applying our payments to our Loan. This was proven by our Payment Histories. This is the same thing about the Origination date. We built our house in XXXX. That's the Originated date, not XXXX that Bank of America is reporting. The biggest FRAUD!! took place during the Closing of refinance on XX/XX/XXXX with my husband XXXX XXXX XXXX. The Closing took place around XXXX pm that night. He had just gotten off from work and when he walked in he was expecting XXXX. My husband was told that XXXX Bank was refinancing the Loan not Bank of America! When he came into the room it was him and the XXXX lady. They were the only 2 people there. My husband said some things she explain and some she didn't. The Document " Wavier OF BORROWER 'S RIGHTS '' would allow Bank of America to take our house anytime they wanted to. NO!! that was never explained. That's why copies of HUD 's Loan numbers and Case numbers are blacked out except for the last 4 digits on some of these documents. HUD couldn't be a part of this Mortgage scan! The only problem is that my original copies are not blocked out. This was premeditated. I file Lawsuit with XXXX XXXX in XXXX. I have always said this was retaliation and that my family was XXXX. We were so focused on payment history. We forgot the main focus which is payment history. Is CFPB going to ask Bank of America where are the payment histories for the years XXXX, XXXX, and the entire year of XXXX XXXX XXXX? XXXX XXXX and Bank of America have lied on every answer of this CFPB Forum. Provide Documents showing this was not a Refinance. Show documents showing this house was not built in XXXX. I also find out this house was in foreclosure twice in XXXX and XXXX. I also found out you don't have to go through the foreclosure procedure you can put it in without notice or Sale Date. Bank of America went back and forth between BAC and them. In XXXX my husband was bringing home {$7000.00} dollars a month. I was bringing home {$3000.00} a month. One year BOA didn't send us a Federal Government Mortgage Interest Document. Then the next year they sent a statement and it was double. It was doubled to around XXXX. XXXX saved us. BOA was coming at us from every direction. I have XXXX XXXX XXXX XXXX and both were active. I had XXXX in XXXX places in my body and didn't know it. I knew I was sick, but I didn't have time to care for myself until it was almost too late. Bank of America came at me and my family Hard. We have never missed a mortgage payment. This was not my first house. I bought my first house when I was XXXX XXXX XXXX. My daughter went to Bank of America to finance her first home at 24 years of age. BoA had a first-time home buyer program she applied for Loan with BOA and qualified. She had XXXX credit. She applied and got approved. Then 3 days before Closing she calls crying. The officer at the Bank called and told her we can't do this Loan find someone else!!! No explanation was given. Her Boss who is Caucasian called the Bank and ask if they were redlining her. That was when I realized we were XXXX. This has been a XXXX ordeal. My son graduated from XXXX  XXXX and has 2 degrees he can't get a call back for a job. If you put my name in the XXXX it comes up as having been on a Watch List!!! This Case should be easy to prove. Show the documents for XXXX Histories for the years XXXX and all of XXXX. The Bank 's responsibility is to keep all the documents that go with the Loan. It is not to pick and choose what documents you will use to take someone's house to make a profit for your Investors View full complaint

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