Bank of America Debt Collection Complaint

Mortgage Cont'd attempts collect debt not owed debt was discharged in bankruptcy

Bank of America Debt collection department,

Mortgage Cont'd attempts collect debt not owed Debt was discharged in bankruptcy Arizona

I became - by illness -/-/-. All my reserves were spent on medical costs. Missed a payment on my mortgage -/-/-. Rec 'd notice of intent to foreclose from Countrywide -/-/-. Vacated the house, in anticipation of foreclosure. Filed bankruptcy -/-/-, discharged -/-/-. Bank of America completely disregarded the bankruptcy and continued to try to persuade me to pay the mortgage, until -/-/-, when they sold the mortgage to -. - continued to send me statements on a nonexistent mortgage. Both companies applied homeowners insurance to the property and told me I was responsible for that debt, too. Bank of America went so far as to put retroactive homeowners insurance debt on the property, dating back to at least a year before I stopped paying the insurance myself ; also dated before the bankruptcy by 4 months. They applied an $11000.00 lien onto the mortgage, as well. I contacted the Comptroller of the Currency with my complaint with complete detail and, after many months was told that I still needed to pay Bank of America, regardless of the bankruptcy. This week I received a letter from something called - - -, which claims to be working for -. It appears they are starting the whole process of trying to collect on a loan that does n't exist. I am still - and unable to work. Every month is a struggle to make the Social Security -, now Social Security due to my age, last more than a few days into the month. These banks need to leave me alone. Bank of America should never have sold this nonexistent mortgage. I communicated all of this information to Bank of America, countless times, and then, to -. Every time I receive a communication from these people, I am reminded of everything I 've lost due to my illness. The grief is unending. I do n't need to be harassed by banks that must have real business to attend to.

Bank of America customer in Arizona
Aug 18, 2015

* Source: CFPB Complaint Database

Bank of America response to complaint:
Closed with explanation

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Contact Bank of America

https://www.bankofamerica.com/
(704) 386-5681
100 N Tryon St Ste 220
Charlotte NC 28202
Bank of America
Bank of America

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