Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX my Chapter XXXX Bankruptcy was approved in the XXXX XXXX BK Court, and a XXXX mortgage from Bank of America was crammed down to a balance of {$27000.00} and payments of {$100.00} per month were to commence starting XX/XX/XXXX. The Trustee XXXX XXXX ( XXXX XXXX, CA ) made XXXX payments of {$100.00} each to Bank of America, they then sold or transferred the loan to XXXX XXXX XXXX, XXXX in XX/XX/XXXX. The first payment of {$100.00} was due and mailed to XXXX XXXX, XXXX in XX/XX/XXXX as per their request. XXXX Recieved XXXX further payments of {$100.00} each, until I got a XXXX Mortgage in XXXX and paid off all lien holders except the XXXX Mortgage at XXXX Mortgage of seeking a discharge, which is now in process. The Escrow was opne at XXXX XXXX XXXX XXXX in XXXX XXXX, CA. When they requested a demand for payoff from XXXX XXXX, XXXX submitted a payoff demand of {$27.00}, XXXX with an amount in excess of {$1000.00} calling it a short payment. The true and correct demand should be {$23.00}, XXXX. When questioned by me they said that Bank of America had entered an extra fee after transfer of the loan in XX/XX/XXXX and they were collecting that. I told XXXX XXXX, XXXX that I had called Bank of America and they said they had transferred a balance of {$26000.00} only. On further checking I learned that they Bank of America had made an ectry on my account of {$1000.00} in XX/XX/XXXX after releasing the loan, this is not permitted by Bankruptcy law and they are well aware of it, if they are seeking additional fees they must apply to the BK Court in XXXX XXXX, hold a hearing and get permission from the Court based on the application by their lawyers. over the course of XXXX years they have had XXXX different law firms represent them in my case, so they are not lacking for knowledge or information in this respect. This is clearly willfull disregard of the BK laws and they were seeking to make additional money when they can not do that. I have called both Bank of America and XXXX XXXX, XXXX again today and neither has provided any answers or a solution. Bank of America says the notes on my account state that the research ticket is closed due to the Service Release and XXXX XXXX, XXXX says they have no additional knowledge, but they did tell me that the payoff that they recieved from XXXX XXXX XXXX XXXX of {$27000.00} was still short, even though it was based on their own demand and they have not provided a re conveyance nor a refund. This is a joint complaint against both Bank of America and XXXX XXXX XXXX, XXXX for willful disregard of BK laws and acting behind the scenes to inflate my payoff when legally they have received XXXX payments of {$100.00} from the Trustee XXXX XXXX 's office and the payoff and balance should be {$2300.00}. Kindly contact both banks and research the matter and get my due refund of {$1000.00} from XXXX, XXXX. XXXX and a re conveyance as their loan has been paid off. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief