Consumer complaint received 2020-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX Nearly {$19.00} XXXX was stolen from Unknowing Consumers via Predatory lending schemes and Mortgage Scams ; Although this is a shocking statistic, In XXXX it got much much worse, with over 1000 % to {$960.00} XXXX Dollars. Consumers lives are being uprooted and destroyed with little or no recourse or recovery options made available. Families are being destroyed, urban communities are becoming Post Scam disaster zones. Since I work in XXXX XXXX I am seeing the devastating effects that Scams and Fraud are having on already underserved communities. This is why I am Specifically taking action to help educate consumers of the dangers and also serve as a direct approach to Servicing those desperate families victimized. I do this by offering free workshops classes and talent shows that offer useful knowledge to support and Empower the infusion of Victim Support Service activities all around XXXX. 
My name is XXXX XXXX ( Ms . XXXX XXXX ) and I am requesting Legal Guidance and Fraud Support. In XXXX at the age of XXXX, My hard work within the community was being continuously blessed, as I owned and operated several XXXX XXXX businesses in the XXXX area of XXXX NY. I was eager to expand on my vision and my version of the American Dream which included owning my third building ( The Property in question : XXXX XXXX ). In my mind this meant no more renting apartments and purchasing this rare beautiful primary residence.In Approximately XXXX, I realized that if I wanted my now XXXX XXXX XXXX to grow and produce more - I had to make some real changes to my Business operational structure, so I decided to purchase state of the art Security systems for 2 of my locations.To do this effectively, My plan was to utilize a refinance loan to pay for these upgrades. At that time, I was referred by a colleague, to a Home Lending specialist organization led by a XXXX XXXX. Bottom line I didnt know I was meeting with a skilled group of Mortgage lending scammers who were intent on taking possession of my property and the Equity within. Ultimately the Ring leader ( Ms. XXXX XXXX ) plus many of her operatives and supporting entities were Indicted and convicted on Multiple counts of conspiracy, fraud and Grand Larceny. I believed that their arrests was a sign that this was finally over, but instead of finally getting restitution or help, I ve been ridiculed and made fun of by lawyers court staff and other professionals who were supposed to be helping me restore. In these last 20 years I have hired several law firms to help me fight this case and restore my good name.In fact, to this day, My home is still in the name of a fake corporation and I live in a state of Constant Fear of someone bursting in and having legal rights to take my house ... like the fake owners and the various banks who regularly taunt me, bang on the door at all times of the night ... trespass on my property at will ... and constantly threatening to take the house in person and in writing.Victims like myself often fall to the wasteside but I was assured that you are different and that you actually read these complaints. To date I have spent approximately {$200000.00} in Lawyers fees, and investigative means. My name is XXXX XXXX and in XXXX it was my name on My Deed - Id like to have the property restored back to me - its lawful designation. Below I have included details and reference links to assist in reviewing my specific case. 


XXXX XXXX XXXX  Complaint Reference and Report Data PROPERTY DETAILS:XXXX XXXX  XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXXXXXX : XXXX : XXXX : XXXX XXXX BAC Home Loans ServicingXXXX XXXX, No. XXXXThe cases in question and associated index case numbers are XXXX and XXXX XXXX of XXXX companies were also indicted : the XXXX XXXX XXXX XXXX, XXXX XXXX, owned by Mr. XXXX ; and the XXXX XXXX   ENTITIESThe  mortgage company used in four of the six fraudulent sales include, XXXX XXXX of XXXX, Fla., and the XXXX XXXX XXXX of XXXX, XXXX IN SERVICES ( Currently there is little to no communication between Government entities and watchdog agencies - allow my case to be the Model Example ) ( Currently there is little to no support systems for Predatory Lending Victims - I am currently XXXX  with Families who are victimized - We are XXXX  Head of Householders how to protect themselves from Fraud and identify weak or vulnerable areas of the Mortgage Lending Process ) Finally, in addition to the consumer complaint options, It is my hope that this letter finds the desk and kind heart of civil servant, Judge or officials in XXXX County Court,  Attorney General office or Nonprofit services that will legally assist my family and I with rectifying and restoring this situation. Please advise me on filing this situation as an Article 15 case, so as to highlight this very unique case to Financial/Mortgage Consumer Rights and WatchDog Agencies who can fix this situationThe Following is a list of agencies we have requested consumer fraud resources and support from : XXXX Council FTC - Federal Trade CommissionLawHelpNY.org XXXX Legal NY State Attorney General US Attorney GeneralMonday Night Law Consumer Protection BureauCBJC City Bar Justice Center NY STATE Financial Services

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