Bank of America, National Association Corporate

Complaint ID: 8202749

Product: Mortgage

Sub-Product: Conventional home mortgage

Issue: Trouble during payment process

Subissue: Fees charged

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: XXXX XXXX XXXX, XXXX Bank of America XXXX XXXX XXXX XXXX. XXXX, Nc XXXX THIS IS A COMPLAINT FOR RETURN OF SURPLUS FORECLOSURE FUNDS. After taking over our home loan ( Loan # XXXX ) from Countrywide, Bank of America, despite our many communications that : 1. We have a loan modification application pending with Countrywide 2. And that we are dealing with extensive XXXX XXXX XXXX in the house, went ahead and foreclosed on the house and sold it to XXXX. ( see attached foreclosure document ) For years we wondered why BofA ignored the hold on the loan as we were working out a loan modification with Countrywide. We learned recently that the house sold for more than the loan amount - substantially more. Bank of America however made sure to use up all the excess amount above the loan balance by tacking on misleading, inaccurate and bogus interests and fees so that there will be no surplus foreclosure funds ( that normally would be returned to the homeowner. ) This complaint is for Bank of America to return to us the excess or surplus foreclosure funds that they illegally appropriated for themselves and " stole '' from us. XXXX XXXX XXXX XXXX XXXX of property at XXXX XXXX XXXX XXXX XXXX AL XXXX

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 8202646

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: The company Bank of American had reported a 30 late claim to XXXX XXXX this was the first late payment in over XXXXen or more years.Payment was sent but was not credit to my account i do my banking on line. i always pay WAY over the rerequired amount so they said they would send letter to XXXX XXXX and have it removed which they said they have done serveal times this has ben going on for two months and is affecting my credit rating the problems to be tran union.I put in a dispute they said they have have never recived a letter yet i was told on XXXX they had the letter and it would come off my credit report in two week which it has not.Please help with this matter thank you XXXX XXXX

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 8202609

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Incorrect information on your report

Subissue: Account information incorrect

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: I obtained Bankruptcy relief from this account. The bankruptcy was finalized and this debt was successfully discharged in XXXX XXXX The XXXX credit report is reporting this account as a bad debt/collection with a current balance due of {$2400.00}. I called the company and also disputed through XXXX and they continue confirming the same information.

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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