Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My mortgage holder, Bank of America Mortgage online account showing anincorrect amount of {$700.00} as a past-due balance, and because of it the payment due date is showing as one month behind, as of XX/XX/XXXX, because of this Invalid past due balance of {$700.00}, even though I paid off the past due balance owed to Bank of America Mortgage, via two payments of {$1200.00} in XX/XX/XXXX and {$740.00} on XX/XX/XXXX, following the Loan Modification process, started in XX/XX/XXXX and rejecting the unacceptable terms of Loan modification, Bank of America was offering. I am updated in my monthly mortgage payments as well, including the XX/XX/XXXX mortgage payment. The past due payment occurred as I was put on lesser trial payments, during the Loan Modification process. 

After research, I found out Bank of America is wrongfully and inappropriately applying my monthly mortgage payments towards a $ XXXX/month optional fee, XX/XX/XXXX to XX/XX/XXXX, a total of 14 months or more, shown in my account online, to be {$700.00} past due, which is incorrectly shown as some kind of Life Insurance, which Bank of America states that it's coming from " XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) '' optional fee of $ XXXX/mon. Ms.XXXX XXXX, my relationship manager from Bank of America had told me many times that they would not apply my monthly mortgage payments towards the $ XXXX/mon. an optional fee as well, as I am not been paying and will not pay this optional fee after XXXX breached the contract and promised in a court hearing, as explained below. 

To explain the background briefly, My Loan was initiated through XXXX with Bank of America Mortgage and the Loan closing date was XX/XX/XXXX. XXXX start adding $ 50/month to my actual monthly mortgage payment, which was supposed to be added for XXXX and a half years, as per the XXXX contract, of which I was not even provided the copies of the contract. After paying the $ XXXX/mon. optional fee for about six years out of seven and half years XXXX contract duration, into my mortgage loan, I requested XXXX for a couple of months of temporary assistance, which was subject to repayment, as per XXXX 's advertised and contracted pledge, which XXXX did not honor, even after I tried for XXXX months. I filed a complaint with XXXX XXXX XXXX as XXXX was in breach of contract and involved in unfair and deceptive trade practices etc.. In the very first court hearing on XX/XX/XXXX, XXXX representative XXXX told the court that XXXX has stopped adding a $ XXXX/mon optional fee to my monthly mortgage payment, starting XXXX of XXXX, so I did not continue pursuing the case. XXXX keeps adding a $ XXXX/mon optional fee to my actual monthly mortgage payment, with the XXXX XXXX Bank of America. I was only paying the actual monthly mortgage payment and not the $ XXXX/mon. optional fee, since the year XXXX and apparently I was not obligated to continue making $ XXXX. optional fee, after the court proceeding 's logical conclusion. The bank of America was accepting it and they never rightfully treated this $ XXXX. a fee as a past-due amount, as this optional fee is not in any way part of the actual mortgage amount. 

Additionally, I don't have any kind of understanding or contract with the Bank of America, allowing them to keep Improperly adding this $ XXXX. to my Mortgage payments. Also, As per XXXX 's own contract provision, XXXX should have stopped adding $ XXXX. fee, after seven and half years but they continue to illegally keep adding it, allowed by Bank of America as my mortgage is towards the end of twelve years. 

Since the end of XX/XX/XXXX, I talked to countless Bank of America representatives, went to the local office and talked to a specialist, and sent four online messages, in addition to talking to the dedicated relationship manager numerous time, to resolve the Issue and being promised the resolution, being promised to elevate the matter to higher departments and so on but with No Results at all. It's very hard to apprehend that this gigantic company can be so unprofessional, Incompetent, and unethical. 

Mr. XXXX XXXX of XXXX XXXX referred me to you. 

Your Assistance in getting this Mortgage Issue resolved would be greatly appreciated. 

If you need any more explanations, clarifications, or details, please let me know. 

Thank You 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