Consumer complaint received 2025-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am writing to formally request the correction of several discrepancies related to my mortgage account for the property located at XXXX XXXX XXXX. Below are the specific issues I have encountered. 
XXXX XXXX XXXX 1. Default Status Despite Regular Payments I have been placed in default for non-payment, despite actively making my regular monthly mortgage payments following my covid deferment. I returned five copies of the modification agreement and have confirmation via email that you received the two documents in question. This situation reflects a series of errors on your part. I have always intended to satisfy my loan obligations ; however, BOA actions have created significant roadblocks. The decision to freeze my account and inform me that I needed to make up the balance feels extremely predatory, especially since I was compliant in making payments through this process. 
XXXX XXXX XXXX  XXXX. Communication Issues- * * Misinformation Received : * * I have refrained responding to BOA via phone representatives due to consistent misinformation.Attempted to resolved balance in full in XX/XX/XXXX and was told balance increased by XXXX. This escalated quickly due to the fact I had one year left on loan maybe less since I was overpaying for some time. The loan end date was XX/XX/XXXX. By the time I realized this was a game with the reasoning for inflated balance was " escrow '' and argued with them they should owe me escrow at this time I hired council. however by the time I hired council I was out of statue of limitations for I was placed in default when I was in deferment. 
XXXX XXXX XXXX 2. Payment Discrepancies- * * Payment Documentation : * * I will attach documentation of the payments I have made from my checking account for your review. As well as confirmation documents that they have received both deferment agreements. Placed in default despite was making payments and was told documents lost. 
* Escrow Payment Concerns : * * While they have acknowledged receipt of my * * {$5000.00} * * escrow payment, the manner in which this payment was applied is questionable. I will include : - A statement reflecting when the escrow payment was applied. 
- A statement indicating that my loan repayments were frozen due to lost documents on XXXX XXXX XXXX XXXX XXXX with no application of the XXXX XXXX {$5000.00} XXXX XXXX  in payments during that time. 
In addition to XXXX, I made and additional XXXX in modification agreement payments and not reflected in balance anywhere. 
XXXX XXXX XXXX  XXXX. Escrow Overpayment - * * Overpayments on Escrow : * * I have consistently overpaid on escrow throughout the life of this loan, raising concerns about compliance with the Truth in Lending Act ( TILA ). 
XXXX XXXX XXXX XXXX. Modification Agreement Pressure - * * Signing Under Duress : * * I feel pressured to sign a modification agreement with an unreasonable eight-day turnaround, which I believe constitutes signing under duress. With end date of XX/XX/XXXX to be a non business day! Also the balance of my original loan at time I entered deferment was XXXX shown on documents and now the modification agreement that I was forced to sign under duress is XXXX with no conceivable explanation of charges and I should be paid off and none of this was my doing a long time customer of BOA with a complete perfect payment history and now Im here completely own a predatory process and have gotten nowhere. 
XXXX XXXX XXXX 5. Attempt to Settle Account - * * Inflated Balance : * * In XXXX, I attempted to settle my account by paying the full balance stated to be XXXX XXXX {$22000.00} XXXX XXXX However, I was informed that this balance was inflated and included escrow payments being held by your institution. 
XXXX XXXX XXXX XXXX. Follow up I am requesting any documents including and not limited to all non privileged account collection notices. All documents showing where missing funds were allocated and applied. AND PUT ON RECORD notice of errors and since I was forced to sign this crazy modification agreement yesterday I am absolutely sick over it. during the modification process at no time was sheriff sale stopped nor due I know if it will be stopped next week, I was forced under diruess to sign this absolutely predatory agreement with clauses I know were predatory, Also I requested documents from them and it is obvious that numbers do not make sense, different documents with different balances. 
I URGE strongly urge you to review my account and the associated documentation carefully. I hope we can resolve these issues amicably without further escalation. 
Thank you for your immediate attention to this matter. I look forward to your prompt response.

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