Bank of America is refusing to have an in-person meeting pursuant to XXXX XXXX to which XXXX XXXX is entitled. Additionally, Bank of America has failed to accurate report XXXX XXXX 's payments to the credit reporting agencies. Bank of America has misapplied or failed to applied XXXX XXXX 's monthly payments accurately and is therefore causing XXXX XXXX 's account to be wrongfully in default and has wrongfully initiated a foreclosure when the account is not in defaulted status. 
