Consumer complaint received 2016-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX, Bank of America transferred Loan Number XXXX to XXXX, however, the loan had a ZERO balance. 

On XXXX XXXX, XXXXXXXX was hired by Bank of America hired sale the property at a foreclosure sale. 

On XXXX XXXX, XXXX, XXXX XXXX, substitute trustee executed a Substitute Trustee 's Deed to the Bank XXXX XXXX XXXX XXXX. Instrument XXXX was recorded in the XXXX records. 

On XXXX, XXXX, Bank XXXX was awared Judgment of Possession in the XXXX Court at XXXX, Texas in XXXX court. 

On XXXX XXXX, XXXX, I filed a lawsuit to enjoin a wrongful post- foreclosure eviction. 

In XXXX, The case was removed to Federal Court several times and is currentl pending XXXX, Cause No. XXXX. I filed an interlocutory appeal of the XXXX granting Defendants leave to file an answer to the complaint almost two years late. The Defendants has been represented by the XXXX since the initiation of the case. Attorneys XXXX XXXX and XXXX XXXX were the attorneys of record oon XXXX XXXX, XXXX. However, XXXX and XXXX are no longer with the firm. Now, XXXX and XXXX are the attorneys on record for the case in the XXXX XXXX 

While the lawsuit was pending and being granted Judgment of Possession to the property in XXXX, Bank of America allegedly transferred the XXXX balance loan that was satisfied from the foreclosure proceeds to XXXX. 

Bank of America and XXXX Mortgage arecolluding, conspiring, harassing me to collect a note that was satisfied almost four years ago. 

XXXX is attempting to collect the debt Bank of America collected on four years ago in a foreclosure sale. 

XXXX and Bank of America are committing a fraud, conspiracy, violating the Fair Debt Collections Practice Act, and the Fair Credit Reporting Act. 

My CFPB history, credit reportreports, lawsuits will show that this is DOCUMENTED FRAUD AND COLLUSION. 

Timeline of events since XXXX was transferred the XXXX balance loan : 1. XXXX XXXX, XXXX, XXXX sent a Default letter demanding {$80000.00} and threatening foreclosure. 
2. On XXXX XXXX, XXXX, XXXX as Attorney in Fact for Countrywide Home Loans ( defunct entity ) executed a Corporate Assignment of Deed of Trust in XXXX XXXX real property records, Instrument XXXX. 

On XXXX XXXX, XXXX, XXXX XXXX, Bank of America 's lead counsel in the pending XXXX XXXX suit pending, sent an email referencing reinstatement of the loan that was foreclosed to settle the lawsuit. 

On XXXX XXXX, XXXX, XXXX XXXX, XXXX 's counsel sent a letter claiming they were abandoning acceleration of maturity of indebtedness from XXXX XXXX, XXXX. However, XXXX and Bank of America conceniently ignores the fact that thethe foreclosure sale was completed and Judgment of Possession was granted to the Purchaser of the foreclosure sale. 

I am still residing on thein the property because XXXX XXXX XXXX advised the XXXX XXXX they would not EVICT me while the case was pending. Apparently, they thought I did n't have the fortitude to handle the protracted litigation as a pri XXXX '' litigant ; so they transferred the zero balance loan to XXXX to harass me. 



















XXXX XXXX Firm.

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