Bank of America Mortgage Complaint

Bank of America Mortgage department,

VA mortgage Loan modification,collection,foreclosure West Virginia

For the past six plus years I have request Bank of America to either remove account for the adverse accounts/account that maybe considered negative. All to no avail. BANK OF AMERICA continues to report account as an adverse account or an account that may be considered negative. In - ( 6 years ago ), account ending in - was with Countrywide and then transferred to Bank of America. I had suffered a financial setback and applied for a loan modification from Countrywide, who was to have transferred to Bank of America. No follow-up responses to my loan modification was ever received from Bank of America - - -, I obtained the services with -. - informed me that they would notify Bank of America that I was not to pay any mortgage, during this modification process and that they would be in contact with Bank of America on any and all mortgage issues. Basically, - was to have been my representative. New York State Attorney General filed a lawsuit against - alleging a wide variety of illegal and deceptive business practices and false advertising relating to - home mortgage modification business. Lawsuit sought to stop - from engaging in alleged


thing, Bank of America informed me that no delinquencies would be reported. House was never foreclosed. Referenced loan was refinanced and Bank of America was paid off. - was found guilty in - of breach of contract and had been ordered to pay restitution. Account was late but I disagree that account was never late for over 120 days - 4 months -. Bank of America insist that account has been reported correctly. Per letter of - -, - Bank Of America stated that they had received my request to remove negative information from credit reporting. Bank of America reviewed credit reporting and confirmed that the information they provided is accurate. Therefore, their current reporting of my account will not be revised. I find their decision totally unacceptable. I feel that I am being penalized for the actions of -, for according to their contract they were acting on my behalf, which later was incorrect and - had been found guilty of breach of contract and Bank of America continues to punish me. I could see if I had been blatant in my financial responsibilities, Bank of America would have the right to report account as adverse or an account that may be considered negative. Bank of America continues to comment about Chapter - Bankruptcy stating it was dismissed on - -, -. This is inaccurate. Chapter - Bankruptcy was dismissed in -. This Chapter - Bankruptcy has since been removed by - credit agency. Bank of America account was never a part of Chapter - bankruptcy. There were never any liens /liabilities filed against this record