BANK OF AMERICA, NATIONAL ASSOCIATION – CFPB Complaint

By on November 21, 2018
Consumer Complaint Submission

Date Received: 2018-10-25T00:00:00

Product: Mortgage debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: 524 Injunction : Bank of America per the enclosed exhibits did not adjust my mortgage on the agreed date to be compliant with the court order reaffirmation agreement. BAC kept sending me statements with the original loan amount and payment. I making the required payment the month after the agreement only to have BAC escrow the payment and not apply them. In XXXX XXXX acquired the mortgage servicing rights with the incorrect balance and monthly payment and now a forced placed insurance policy added to the loan. XXXX XXXX started sending out notices with the original note information then corrected the loan in XX/XX/XXXX but still listed the cram down debt on the statements as defferred P & I this was a violation of my plan and a 524 Injunction.
XXXX XXXX filed a foreclosure motion in XX/XX/XXXX but before I could file a counter claim XXXX XXXX sold the mortgage to XXXX and XXXX became the new loan service company. XXXX assumed the foreclosure in court where the case was not heard only rubber stamped by the judge. The docket of the foreclosure case states that I never paid a payment after the reaffirmed agreement now XXXXXXXX XXXX has stated that I had made 4 payments and that BAC had not been compliant. XXXX XXXX has now listed the reaffirmation crammed down debt in the amount of {$19000.00} as BK Cost on payoff statements this is the exact amount of the XXXX XXXX Defferred P & I listed on there statements. This is attempt to collect discharged debt and code it as something else in court is a 524 Injunction of the debtors Bankruptcy plan.

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

State/Zip: OH 45042

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

READ  Conn’s, Inc. - CFPB Complaint

Did Consumer Dispute Company Response: N/A

Complaint ID: 3056675

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