Consumer complaint received 2019-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Dear : consumer financial protection bureau Deceptive mortgage Practices, and fraudulent activity My name is XXXX XXXX XXXX and this response in in reference of COMPLAINT ID XXXX filed XX/XX/XXXX closing response by a third party debt collector not Bank of America. This is the debt collector response below. 

My complaint with Bank of America XX/XX/XXXX I still have not received requested original loan origination documents regarding the letter I wrote on XX/XX/XXXX to Bank of America. My letter was in full detail in regards to the documents that I requested as well as notarized and proof of services as well that I sent to Bank of America. Im again requesting all documents and, original check payments made by me from XXXX to XXXX or alleged HELOC money withdrawal checks made by me. Also all original loan documents as stated in my letter. There are several discrepancies regarding the HELOC. Also Bank of America is trying to evict me from my home by using my spouse name to do the Eviction as if we have no connection to one another. Bank of America is using XXXX XXXX XXXX XXXX  XXXX as a cover up for the Eviction when XXXX XXXX XXXX XXXX XXXX stated not to have a record of my home or any involvement with my home several time via email Debt Collector regulatory complaint response XX/XX/XXXX The company sent its response directly to the consumer because it could not confirm who submitted this complaint. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at XXXX XXXX XXXX XXXX XXXX about its response to this complaint. 

My response XX/XX/XXXX My name is XXXX XXXX XXXX and I filed this complaint requesting the information in the complaint that I still have not received since. My two letters sent XX/XX/XXXX and XX/XX/XXXX. The statement that the debt collector used claiming not to know who sent this complaint is a copout. Im requesting whatever information was provided to the CFPB be provided to me via the complaint portal. The reason is to verify the information sent to the CFPB is the same information that will be sent to me. In the pass with my mortgage complaints with the banks on file, I receive different information written as well a verbal from the bank than the information that the CFPB receives from the bank. In an effort to hide the truth as to what is going on with my home regarding deceptive mortgage particles. I have requested to receive all correspondences from the bank in writing only. Im requesting the companys response in the CFPB consumer portal for verification purposes of information. I will also have this letter notarized like my others sent to the bank in XX/XX/XXXX to verify my identity. 

Closing Again I have evidence of deceptive mortgage practices by the banks. That will be sent very soon to the CFPB. As well as things that have already been sent to the CFPB by the bank that has now been altered as changed to confirm my Deceptive mortgage practices claims. Also Bank of America is trying to evict me from my home by using my spouse name and identity to do the eviction claim that we peacefully moved into the home as if the home was abandoned. Bank of America has also claims the home as an abandoned property which is false. I have never abandoned the property at all, nor have the property been abandon. Bank of America is also using XXXX  XXXX XXXX XXXX to do the eviction. XXXX XXXX XXXX XXXX XXXX has claimed several times to have no record or involvement in the home via email which I have proof of. Im the owner of the home and just trying to protect from losing my home to fraud scam. Which is the truth of the matter? I dont need to talk to third party a debt collector who is not Bank of America. Im not in any debt. As well as the last payments being over 7 years ago for money I never received from countrywide home loans. As well as no countywide home loan represented signature on any of the documents as well as forged signatures of me and my deceased wife as well on documents. You can not receive the entire amount of funds on a HELOC in my case it would have been XXXX. Again Im requesting companys response in this consumer portal for complaint XXXX as well as the previously requested documents. 












Regards XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

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