Consumer complaint received 2022-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX XXXX name is XXXX XXXX XXXX, a XXXX Veteran XXXX on railroad disability. XXXX ID XXXX. In XX/XX/XXXX I received an Itemized statement from XXXX XXXX. On the statement date of XX/XX/XXXX states XXXX XXXX from XXXX, and sold the loan by XXXX XXXX. Then on XX/XX/XXXX charge XXXX XXXX Charge Number XXXX XXXX XXXX XXXX filed foreclosure. On XX/XX/XXXX XXXX XXXX alleges that the loan was paid off. On XX/XX/XXXX XXXX XXXX suddenly dismisses the lawsuit which is the second foreclosure lawsuit XXXX XXXX has dismissed on the home since XXXX. On XX/XX/XXXX A payoff statement was ordered from alleged to be Bank of America. XXXX XXXX sends a letter to me in XX/XX/XXXX stating congratulations the loan was paid off with a release of mortgage. XXXX XXXX has never disclosed how the loan was paid off or why the Foreclosure was dismissed. I had an attorney at the time XXXX XXXX who I was paying a monthly bill to help me save my home. I thought all the loans on the home were paid off after my wife passed away on XX/XX/XXXX through the probate of a wrongful death. 
However, a Countrywide Home Equity line of Credit was taken out in XX/XX/XXXX. My Last payment was in XXXX with the real mortgage company Countrywide before they closed. 
Out of no where a Bank XXXX New York XXXX alleges to have received assignment from Countrywide on XX/XX/XXXX which is about 6 years after my last payment. Bank of America was calling me asking me to send documents regarding a previous loan with Countrywide which I did not understand why. On XX/XX/XXXX Bank XXXX New York XXXX filed a foreclosure on the home without my knowledge or being served in any lawsuit. XXXX XXXX filed a foreclosure XX/XX/XXXX. 
When I found about it the foreclosure with Bank XXXX New York XXXX it was XX/XX/XXXX. Bank XXXX New York XXXX stated to have no record of the home or involvement with Bank of America. It appears that Bank of America using the name Bank XXXX New York XXXX as a decoy to hide Bank of America from any involvement or liability with the foreclosure lawsuit. In the Bank XXXX New York XXXX, I also discovered that documents were forged in my name as if I made appearances in court when I was working at the VA at the time. 
Then I hired an attorney on XX/XX/XXXX after that and not sure what happened next until now. XXXX XXXX XXXX to have sold the loan in XX/XX/XXXX to Bank of America. XXXX XXXX claims it was paid off on XX/XX/XXXX it can not be both. 
Bank of America is alleging that it paid off the loan from XXXX XXXX. When it was alleged to already been sold off. Bank of America instead alleged to have consolidated the loan to avoid XXXX XXXX foreclosure on the home that would have wiped any second liens on the title. I dont believe any loan was actually paid off to XXXX XXXX XXXX XXXX XXXX or Bank of America is refusing to produce any payment information or wire transfer as to who, when, why or where this alleged payment was made. 
Now Bank of America is claiming that it alleged to have paid off the loan, and added XXXX XXXX loan to the old Countrywide loan. I never knew anything about this at all. I have never signed anything or applied for any, new loans, refinance, loan modifications, Deed, in lieu, forbearance or reverse mortgage, confirming consolidating anything with Bank of America. Nor have I applied for loans above with any other lenders regarding the home. 
Bank of America claims to have been paying extra home insurance on the home, Taxes, XXXX XXXX transferred loan adding taxes to this amount. The amount Im alleged to owe with Bank of America is over XXXX on a home that is under water and worth less than XXXX. This is fraud, because I did not do any of this. Im being harassed by Bank of America for money that I do not rightfully owe. 
I also recently discovered that XXXX XXXX in XX/XX/XXXX to XX/XX/XXXX removed my name on the loan documents, and placed my former attorneys name to receive my loan billing statements. In the end my attorney claims to not know anything. Then later my former Attorney stated that he thinks Bank XXXX New York XXXX paid it off. I was never informed by my former attorneys that anything was paid off for me to have to pay it later with another lender, or servicer. 
XXXX XXXX had me sign a loan Modification that originated by XXXX XXXX Bank VA loan that I had on the home in XXXX. The loan was alleged to be acquired by XXXX XXXX in XXXX. However, this can not be confirmed. Because Investors Saving Bank Received Government Assistance Failed on XX/XX/XXXX. The loan was created in XX/XX/XXXX with XXXX XXXX Bank XXXX. VA secured loan. 
In XXXX XXXX XXXX pressured me to sign a loan Modification changing those terms of the original loan from a VA loan to a regular Mortgage without informing me of that. XXXX, XXXX also did not get any approval from the VA to change the terms of the loan which was higher well above my income amount. Which now have me in the situation Im in today. Then soon after the loan Modification was completed a Bank called Bank XXXX New York XXXX filed a foreclosure less than 30 days later after alleged to have signed a subornation agreement with XXXX XXXX. Now Im in a process to be evicted from my home by alleged to be Bank XXXX New York XXXX. I believe its Bank of America using the name Bank XXXX New York XXXX to Evict me from my home. Bank of America also allege that I owe over XXXX to them that I know nothing about as well. I feel I have been a victim of Elder financial abuse, consumer fraud and fair debt collections act practices and mortgage foreclosure scam by hired law firm. It does appear that Bank of America and XXXX XXXX were working together as this is connected with the National Mortgage Settlement ( XXXX ). XXXX XXXX filed the first foreclosure on XX/XX/XXXX XXXX XXXX Illinois XXXX XXXX. I was also informed that the alleged judgment by Bank XXXX New York XXXX XXXX XXXX XXXX XXXX is invalid. The XXXX case on the home is XXXX. However, the eviction case was dismissed in XX/XX/XXXX. Whomever is working with alleged Bank XXXX New York XXXX is still trying to pursue the Eviction case despite being dismissed for want to prosecute on XX/XX/XXXX. The XXXX case was not refiled within XXXX year or vacated. Bank Of America is Threatened to sue me for debt not owed. I also have reason to believe that additional lawsuits have been filed against me By Bank of America or XXXX Bank XXXX New York XXXX that Im not aware of. Nor was I served by anyone regarding any new lawsuits. Seeking assistance with this matter. 


XXXX XXXX filed a foreclosure XX/XX/XXXX. I hired an attorney in XX/XX/XXXX after that and not sure what happened next until now. XXXX XXXX XXXX to have sold the loan in XX/XX/XXXX to Bank of America. XXXX XXXX claims it was paid off on XX/XX/XXXX it can not be both. 
Docket one- This Bank of America statement says that I made payments when I have not made any of these payments to Bank of America XXXX I feel that someone took out a loan in my name and identity with Bank of America for me to pay it back later which is fraud. Im also a victim of identity as well since XXXX. 
XXXX XXXX This a document that was Submitted to the XXXX with false claims that the home was vacant. When the home was not Vacant to have me restricted from accessing the home and my property removed from the home. 
Despite a wrongfully filed Eviction case against the home during the Illinois Eviction moratorium in the name of Bank XXXX New York XXXX. Who is really Bank of America? XXXX XXXX has been harassing us at the home and her husband for years. I have proof that she has been disparaging us with random people while claiming to be the realtor of the bank. Then she seems to not be sure what bank she is alleged to be working with. But have uploaded old outdated documents from Bank of America. The XXXX document has Bank of America on it as well. 













Respectfully Submitted XXXX XXXX XXXX XX/XX/XXXX 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation