On XXXX XXXX, I paid my mortgage to Bank of America using my Bank of America phone app ( they way I always make my mortgage payment ). At that point it was XXXX days past due. We 've been struggling to make our mortgage payment and are finally in the process of selling our home. On XXXX XXXX, I received the payment back in my checking account and called Bank of America to discuss it. I was told that since we were now XXXX days past due they were initiating foreclosure on our home and the only option for us was modification at this point. No one would discuss the payment, they would only let us talk to our account representative, XXXX. XXXX, by the way, has been completely professional and empathetic through this process, but there was nothing she could to to resolve our foreclosure issue. Again, we 're in the process of selling the property but since it 's technically in foreclosure, I 'm afraid that pulling a payoff or even discussing the final payoff amount is going to be troublesome. 
