Bank of America Complaint - Bank of America Mortgage practicing are borderline criminal
Bank of America took over my Countrywide Homeloan about 2 years ago. In Sept of 2009 I mailed out my payment as always and assumed it was received & processed. In Febuary of 2010 I had a credit report pulled & was shocked to discover I had a 640 score! upon review I saw where Bank of America had me listed as having 7 consecutive 30 plus days on payments. I paid my mortgage every month on the same date. When I called to figure out what was going on I was informed they never received my September 09 payment & the every payment I sent after September was paying the previous month. I was also charged a $44.00 deliquent fee each of those payments without being notified.
I asked if they ever sent me a letter or phone call to inform me they had not received Sept 09 payment & that all subsiquent payments where deliquent. They responded with "We don't give courtesy calls or letters for deliquent payments" Now my credit is ruined and I can't get anyone to review my account to clearly see this should have been addressed as a clerical error!
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