Mortgage -- Struggling to pay mortgage -- Complaint #5377292
Complaint Overview
Complaint ID: 5377292
Company: Bank Of America, National Association
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Struggling to pay mortgage
State: Texas
ZIP Code: 76543
Date Received: 2022-03-28T12:00:00-05:00
Date Sent to Company: 2022-03-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I was told Bank of America was not able to obtain my XXXX tax transcript I called the IRS on XX/XX/XXXX and spoke to XXXX XXXX XXXX ext XXXX ) who confirmed my XXXX tax returned was filed and the transcript is in the system but her computer was not allowing her to send a copy to me so she said to call back to get someone else, I called 5 times that day but could not get through because call volume was too busy. I called the IRS again on XX/XX/XXXX and spoke to XXXX XXXX ( ext XXXX ) who confirmed my XXXX tax returned was filed and was in the system and she could mail a copy to me. She could not fax or email A bank of America representative was on the phone with me and heard the IRS lady confirm and I asked her to note my file and escalate that confirmation. Please clear the issue of unverifiable income from the XXXX tax return issue when bank of America was alleging I did not file it but provided it to Bank of America causing a discrepancy Please contact the IRS to confirm and request a tax transcript, as soon as the paper copy arrives I will send it right away to Bank of America I filed a CFPB complaint and Bank of America assigned my loan to XXXX XXXX who was very helpful. She was working on clearing a quality control issue regarding my income where they kept stopping me from being reviewed for assistance. The other issue is per the CFPB all mortgage servicers are required to review everyone who was in the COVID forbearance for assistance to be brought current. Bank of America never reviewed me because of their own policy with the unverifiable income flag on my account which was and is in error verified by the IRS She called me and said the foreclosure was put on hold and there was not sale date to give them time to work on clearing this issue since my income is from VA military XXXX and social security only and is very easily verifiable. This was confirmed as far back as XX/XX/XXXX and they gave me my case number and her direct fax As of today there is still a foreclosure sale date and it should be canceled per XXXX XXXX communication
Frequently Asked Questions
What is Complaint #5377292 about?
Complaint #5377292 was filed against Bank Of America, National Association regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2022-03-28T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Bank Of America, National Association?
Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.