Consumer complaint received 2019-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern ; It was recommended that I file a complaint with the CFPB after filing a similar complaint with State of Minnesota - Office of Attorney general. 

My complaint is as follows : - I am reacting to an eviction notice that was taped to my front door on XX/XX/XXXX ( ... ..I am told this was the tail end of the loan foreclosure redemption period ; leaving me only a couple hours to address officially ... ) It was in my meeting with a lawyer the next day that revealed all this was indeed pertaining to a 2nd loan ( the 20 % of an 80/20 loan ) from Countrywide. 
XX/XX/XXXX - XX/XX/XXXX : -Bank of America took over the loans when Countrywide folded. The recession hit, and I applied for Loan Modification. While going through Loan Modification ( MHA ) in XX/XX/XXXX, I was instructed to stop paying both loans, given trial payments, and eventually signed paperwork for a single loan which remains current to this day, not having missed a single payment. 
The 2nd loan was apparently left in the wind, going unreported to credit bureaus, allowing me to apply for and receive credit cards ; and more recently ( XX/XX/XXXX ) - to purchase a brand-new car on a loan with my credit @ 750+ and no mention of a foreclosure. It has apparently changed hands several times until an investor purchased the loan, and started foreclosure in XX/XX/XXXX the redemption (? ) period has also been allowed to run out all unbeknownst to me. 

Being in good standing on my current loan over the years since I went through Loan Modification ( MHA ), I have resisted all attempts by anyone attempting to give me information ( papers, etc.. ), or try to convince me that there was a foreclosure directed at my property, because there has been no indication from Bank of America they have been taking my payments for 8 years since the loan ( s ) were addressed in the XX/XX/XXXX modification. The people who turned up at my door ( I think there were 2 occasions ... .. between XXXX and XXXX at night ) were unable to convince me that my home was in foreclosure ; more importantly they absolutely did not articulate that this had to do with the old 20 % 2nd mortgage. 

The company that now holds the title to the property is " XXXX XXXX XXXX XXXX '' - I was advised by MN Attorney General 's office to file this matter with OCC ; I have given MN AG authorization to contact Bank of America, and we are waiting to hear back from them. 

The Eviction proceeding, from a company called XXXX XXXX XXXX XXXX ( apparently a single individual who lives in California, and has no license to service loans in Minnesota ) was put into continuance until XX/XX/XXXX. XXXX hold the title to the property through a foreclosure that took place without my consent or formal knowledge. 

-please send along any applicable recommendations - I am not aware of my rights in this entire situation. 

-thanks for your attention to this matter.. 

-all the best, XXXX XXXX XXXX XXXX , MN 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