Bank of America Mortgage Complaint

Bank of America Mortgage department,

Home equity loan or line of credit Credit decision / Underwriting New York

Bank Of America has reported my home equity as past due to the credit agencies. This is not correct, as the account has been paid as agreed. I believe the bank has committed fraud. SUMMARY OF EVENTS : The BOA refinance dept was contacted back in -, - to redo the loan on my current home equity loan with Bank of America. The loan was expected to expire in -, -. I was asked to provide information such as income, tax returns etc.., which has been provided to them. They acknowledge that everything that was required has been received. It still has not been sent to their underwriters, I am constantly on the phone with them to follow up, not sure what there incentive is to slow this process down, other than trying to put the loan in foreclosure. After speaking with other bankers I have been told that to do modification the account has to be past due, so they manipulated the process by reporting this account as past due, even though i have never missed a payment.