Bank of America Mortgage Complaint

Bank of America Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account California

I had original loan with Bank of America for 30 years, which I do not have escrow with them. They were falsely calculate my principal and interest, which lead to false amortization table for my loan. They need to correct the number start on -/-/- for me. In -/-/- they sold my loan to -. My loan at that time had property tax delinquent in the amount of $21000.00, so - Mortgage put our loan to escrow with them. In -/-/- I sent in exact amount of $21000.00 to pay off the tax delinquent, and request them to close the escrow account for me, but they did not apply my money to pay for the negative escrow. Instead they put my money into the principal so they can keep us escrow with them. At the same time, they jacked up the monthly payment to create the scene that we could not afford to pay for our monthly payment, That way they could proceed the foreclose procedure. I had file a complain to CFPB number - in the year -.


and said the company is asking me to pay my regular monthly payment in the amount of $4600.00. In - I saw they put all fees and charges over $3000.00 into my loan, so i sent him email to ask him why? He again, asked me to wait for the company to adjust those fees for me. I waited till -/-/-, nothing had been corrected. So in the year - i sent total $21000.00 + - - = $23000.00 for my escrow account. My property tax year - was $6300.00 + $6700.00 = $13000.00. I added the whole tax year which - sent 2 payment to the tax collector in the amount of $13000.00 to my negative $21000.00 = $34000.00. so if i subtract the $34000.00 - $23000.00 = $10000.00. This was the negative in escrow account for the year -. This amount by -/-/- was totally different from what - mortgage had on my -/-/- statement which showed escrow balance in the amount of $17000.00. So the different here is $17000.00 - - = $6000.00. Please explain this amount. In the - year, - collected my escrow in the amount of $18000.00. My property tax in - was $13000.00. So in the - year I used $ - $13000.00 = $5000.00. This is extra money from my payments. If i use the negative $10000.00 carried over from the - year - extra $5000.00 in the 2015 year = $5900.00. This is the negative they supposed to have by the end of year -. In the year - - collected my escrow payment in the amount of $13000.00 for - to -/-/- which are total 7 months. - sent out one payment to the tax collector in the amount of $6800.00 I used my payments >= $1,000,000 - $6800.00 = $6900.00 This amount was my extra payment to -/-/-. I used $6900.00 - the negative carried over from - which is $ - $960.00. Which meant when - sold my loan in -/-/- to -. I supposed to have extra $960.00, instead of - $5000.00 which - told us that 's our Negative escrow from -. For - they collected my escrow total $11000.00 from - to -/-/-. They only paid 5 months tax for me in the amount of $1100.00 - 5 = $5700.00. I used $11000.00 - $5700.00 = $6100.00. This is the extra money I paid to -. They finally let me closed the escrow account by -/-/-. The only sent me the check in the amount of $.00. instead of $6100.00. All these companies were falsely applied my payments to my loan, and messed up my Amortization table. I demand correct detail of my Amortization table up to -/-/- from all three companies, and refund my extra money back to me. Thanks.