Consumer complaint received 2017-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX, Bank of America sold the main loan, against my house at XXXX XXXX XXXX XXXX NC to XXXX ( now XXXX ) in XXXX, although the loan was already paid by Bank of America 's insurance/government bailout. The loan & debt are no longer valid debt, the type of loan of interest only for 10 years is a loan that is NO LONGER allowed to be offered to consumers, because it was a predatory loan. Bank of America only keeps records of loans for 7 years, Bank of America knew this fact, apparently Bank of America knew that before the 10 years were going to be over, they would have sold the information of the loan to another financial entity, 10 yrs. later, now in XXXX, XXXX is perpetrating some shady financial strategies, such as taking my home, and CHANGING MY ACCOUNT NUMBER ALL OF THE SUDDEN, also, XXXX NEVER APPLIED certain forbearance payments, in the amount of {$8000.00} plus to my loan. I disputed the amount of those forbearance payments, the first 6 mos. of said forbearance were paid religiously, and then I made the rest of payments till XXXX XXXX ; nonetheless they took the payments, some of their officials say that the forbearance was never approved, which is a lie, and they kept on taking said payments, then in XXXX of XXXX, I received two letters, in XXXX of them they XXXX stated that they had STOPPED ALL COLLECTION OF payments towards the loan, until the investigation of the thousands of dollars in payments were found on their side, I PROVIDED XXXX WITH THE VERIFICATION OF ALL OF THOSE PAYMENTS, I sent them said verification through certified mail and through fax, their last correspondence about this issue stated that the INVESTIGATION HAD NOT CONCLUDED, therefore the collection of payments had stopped, nonetheless, they were lying, and they continued sending the monthly statements, THOSE STATEMENTS NEVER SHOWED THE {$10000.00} I made in said monthly bills. WHILE THESE ISSUES WERE HAPPENING, XXXX DECIDED TO CHANGE MY ACCOUNT NUMBER, TO COVER THEIR TRACKS. I have been harassed, intimidated by XXXX, through their predatory debt collection tactics, they have made statements such as 'WE WILL NOT TAKE THE NAME OF YOUR EX-HUSBAND OF THE LOAN UNLESS YOU REFINANCE THE LOAN WITH US XXXX, and you need to send us a copy of the divorce agreement, XXXX got the loan in XXXX, yet I have been divorced since XXXX, and absolute divorce, and I DO NOT SPEAK TO MY EX- HUSBAND, because he was violent towards me, he was arrested, and he DID NOT STOP STALKING ME TILL XXXX OF XXXX, & I lost my job because he came to stalk me at my place of work in XXXX. I HAVE VIDEO DOCUMENTED MOST COMMUNICATION WITH XXXX and in some of the communication they HARASS ME, and they dont confirm NOR deny that they are in talks with my ex-husband, XXXX has come to look for my ex-husband at my address, I cooperated with said authorities. THE HARASSMENT FROM MY EX-HUSBAND IS SUPPORTED BY XXXX XXXX XXXX, XXXX REPS ACT AS XXXX DEBT COLLECTORS. Furthermore, I asked XXXX, and XXXX to please forgive the debt because I am XXXX, yet they continue harassing me, no matter what they have put me in foreclosure, with a law firm that in the documents they have been sending since the beginning of their threat of foreclosure, these LAWYERS STATE THEMSELVES THAT THEY DO NOT HAVE LICENSE TO PRACTICE LAW in the state of North Carolina. All of this harassment while they were discriminating against me because of my XXXX, also, I have been discriminated against by XXXX because of marital status, PLUS XXXX HAS ALSO INVADED MY PRIVACY BY ADDING MY EX-HUSBAND XXXX XXXX XXXX TO THE LOAN, I have all the video documentation, & documents ( sent here ) showing that the loan, is an illegal loan, a loan that can not longer be sold to consumers, because of its predatory nature. Bank of America sold loans to perpetuate debt.

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