Bank of America Mortgage Complaint

Bank of America Mortgage department,

VA mortgage Loan modification,collection,foreclosure Indiana

On - -, - we received paperwork from Bank of America indicating that we had not completed a loan modification process from -/-/-. The paperwork was dated - - and wanted us to completed the paperwork, have it notarized and to send $650.00 payment to them. My husband contacted Bank of America to find out what this was in regards to because we had completed the modification process - we had paid the fees in - and had court documentation from - - stating all fees had been paid. - set up a meeting with - - ( our account manager ) for the following day between --. The following day she called at - in which she explained to my husband that they did not have any record of this paperwork. My husband indicated to her that we would fax over all the documentation including proof of payment of the fees. She set up a time to discuss the paperwork at that time for - - at -. We faxed all documentation on - - and received confirmation of transmission. On - - - did not call. We contacted Bank of America again and was informed that she put


hear anything after this day until today - -, - when our neighbor spotted an individual on our property taking pictures of our house. He wrote down the license plate number and my husband a - ran her plates. I found the individual and reached out to inquire why she was taking pictures of my house. She indicated that she had been sent by Bank of America to deliver paperwork which she believed was for a refinance and wanted to know when we would be home so she could deliver. I reached out to BofA at - and spoke with - to inquire why they were sending someone out. She stated she did n't know why because she sees that we were current and they only time they do that is when you are in modification or foreclosure. She transferred me to Collections to speak with them about getting the visits stopped. At that time I spoke with -. - indicated that we had a balance of $350.00 due to late fees and other fees, but did n't know why they came out and filed a complaint for me. I inquired into the balance at which she told me $240.00 was late fees and $100.00 was fees owed by borrower. I inquired further into the fees owed by borrower in which she explained to me that it was visits to the property to take pictures to make sure it was owner occupied and we were charged a $15.00 fee per visit. I asked when did they come out and she explained 4 times in -/-/- and 8 times in -/-/-. I explained that would be $180.00 so she began to dig deeper in which she determined that they came out 7 times between - - and - - and we were charged for those visits. During this time they did not speak to anyone for us to know we were on the property nor did we know we were being charged for these mystery visits to our house. I do not feel responsible for those fees as I did not ask them to come and explained this to her. She also indicated that our loan was current and not in jeopardy of foreclosure for any reason.