Related: Bank of America mortgage *** I have sent receipts over 10 times, and finally after 2 years, they reimbursed most of the late fees, but did not re-amortize the loan from the point of their mistake, and are consistently charging fees on top of fees.
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Take a look at my payoff amount calculation in my mortgage payoff letter. Although my principal balance was $20,742.07, Citibank charged me interest through 5/16/15 because 5/16/15 is the grace period I get to pay my April mortgage until a late charge is due.
The more severe the delinquency, the larger the impact: A payment that’s 60 days late is worse for your credit than one that’s 30 days late, and 90 days late is even worse than that. Even if you have very good credit, you might see your credit scores drop at least 30-50 points from a single late payment .
· Bank of America took over our mortgage servicing quite some time ago but we haven’t been classified as official Bank of America customers yet and Countrywide isn’t around anymore. We’ve been in limbo for over a year now. When I call Bank of America, they never know where to transfer me and my call is often magically dropped’.
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