Consumer complaint received 2019-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX bank of America home loan letter from XXXX XXXX regarding my fact claims of fraudulent activity with countrywide ( America wholesaler ) 5 or 6 loans at XXXX XXXX   a piece # XXXX on my XXXX # XXXX. On my XXXX # XXXX not on anything # XXXX. Recorded at XXXX and courthouse locally # XXXX new info as per countrywide loan app sent to me by boa and a XXXX XXXX boa note put against my home at XXXX by someone at XXXX XXXX XXXX XXXX XXXX nc XXXX all supposedly signed and effective on XXXX XXXX XXXX as per register office records and RECENTLY SENT DOCUMENTS from boa XXXX XXXX and via email XXXX XXXX that I have only recently been made aware of and boa loans when pulling my credit XXXX XXXX XXXX. Due to being denied a loan.and researching for my divorce hearings for assets and due to my identity theft since XXXX registerd with the FTC and reported on XXXX XXXX to all credit agencies and USPS crime unit for us mail theft and tampering federal law and local law enforcement division for over a XXXX dollars in life savings and missing gone issued settlement checks XXXX over XXXX XXXX  and XXXX and XXXX XXXX XXXX and XXXX XXXX etc.XXXX XXXX XXXX stock sale in XXXX XXXX XXXX XXXX letter states that there was only 1 loan he could locate # XXXX at {$580.00} per month which was a boa loan. 
He denies the attached XXXX reporting of a documented bank of America entry of a loan # XXXX on my XXXX  report. XXXX XXXX  for a monthly payment of {$950.00} per month in XXXX XXXX XXXX. The XXXX  report is dated XXXX XXXX XXXX He also denies the # XXXX XXXX loan on my XXXX credit report XX/XX/XXXX for XXXX XXXX at XXXX per month on XXXX XXXX XXXX also. XXXX  changed the entry of ) BAC loan to boa in XX/XX/XXXX. 17 years later. 
And a line of credit account for XXXX for 36 months on my XXXX  report. 
XXXX XXXX also denies credit inquiries from boa on my credit reports for XXXX. XXXX XXXX XXXX HARD INQUIRY Mr XXXX sent a letter that was dated XXXX XXXX XXXX from XXXX XXXX XXXX address of mine from XXXX that said they verified all my info. In fact boa did not verify the hard inquiry address or they would have found I reported to boa in XX/XX/XXXX after I sold that XXXX XXXX XXXX XXXX XXXX nc address home that my mailing address was only at XXXX  XXXX XXXX XXXX nc XXXX. ( but boa remains to keep XXXX XXXX XXXX nc on my XXXX account. I can't change it.g Boa sent a legal residency letter ( I said a legal letter ) In XX/XX/XXXX to XXXX XXXX XXXX as per XXXX XXXX in her emails of XXXX and XXXX. 
I will address the credit inquiry fraud activity in a SEPERATE cfpb complaint. This is for the home loans addressed by XXXX XXXX at boa regulatory. 
Home loans continued Boa XXXX states that I updated my address to the XXXX   XXXX in XX/XX/XXXX. Incorrect also. 


XXXX XXXX addressed the letter to Mr XXXX XXXX ( who left me in XXXX XXXX and divorced me by way of publication XX/XX/XXXX ) Mr XXXX did not make the boa complaint I XXXX XXXX did. I would appreciate if Mr XXXX would resend the letter in my name only on my XXXX XXXX complaint with my XXXX XXXX address. 
I would like another letter sent to me without his name on it. 
Mr XXXX sent a verified loan app from countrywide that states the loan app. Was for loan # XXXX one that I have not heard of. It states it was taken via phone and mailed XXXX XXXX to someone. The Loan was supposed to be for XXXX at XXXX approx a month. 
Then NOW ANOTHER FRAUD LOAN APP FILLED OUT BY XXXX XXXX and has the initials of XXXX XXXX as the signature ok to process. neither initials are mine ( XXXX  ) or my ex husband XXXX ( XXXX ) for XXXX XXXX at approx # XXXX a month. 
ALL DOCUMENTS AND LOAN APPLICATIONS WERE SIGNED ON XXXX XXXX XXXX. I thought a loan app had to be signed to get the loan approved prior to a closing. 
Loan # XXXX boa still denies recorded XXXX loan countrywide servicer of loan and FHA investor bank of America as per XXXX records. my name is not on it. 
Loan # XXXX XXXX loan boa still denies on my XXXX XX/XX/XXXX report. 
XXXX # loan countrywide  loan is NOT COUNTRYWIDE OR BOA IT STATES AS THE LENDER AMERICA WHOLESALER!!!!!!! 
And then he states all of these documents were for a boa loan. 
Boa was not countrywide in XXXX The Boa loan WAS A NOTE AGAINST MY PROPERTY as per county records!!!!! that I was given no knowledge of and did not authorize this note but he says my name is on the XXXX XXXX note!!!! AT XXXX XXXX XXXX XXXX XXXX nc XXXX this was not a original loan as stated. By boa.It was a NOTE AND IT HAS MY UNAUTHORIZED NAME ON IT. I GOT A COUNTRYWIDE LOAN AT XXXX XXXX  AT APPROX XXXX PER MONTH. 
So in review Mr XXXX letter added another loan # XXXX XXXX XXXX at XXXX XXXX for XXXX $ per month on top of the ( also has incorrect address for countrywide on XXXX  XXXX XXXX. No wonder I could never find out about my XXXX XXXX ( AND XXXX ) 1 loan  with countrywide  for XXXX XXXX at XXXX $ per month ) there were numerous 2 others written by XXXX XXXX. whom I have never heard of nor met IN MY LIFE. 
Boa note and it states NOTE at the header at XXXX The loan or line OF credit that boa has been denying is on the attached XXXX  credit report of MINE XXXX XXXX NOT XXXX XXXX. HE IS TOTALLY SEPERATE FROM ME. 
# XXXX AT XXXX $ PER MONTH BANK OF AMERICA NA XXXX XXXX XXXX XXXX XXXX. Ca Mr XXXX XXXX documents all have different payment addresses. addresses to sent payments to on each document that Mr XXXX sent me had a different Pobox to send the payment America wholesaler Pobox XXXX ca is a unclaimed freight escrow address as per internet A lender in new York XXXX  XXXX XXXX   The other Pobox XXXX Texas It listed residences or pobox for numerous individual names And then Countrywide   XXXX XXXX XXXX XXXX And boa So I need what accounts these were being paid from so I can recover over my XXXX XXXX dollars of life savings and over XXXX  XXXX  settlement monies hopefully and my identity theft hopefully. 
Someone transferred my life savings and settlement monies from XXXX  XXXX XXXX XXXX and XXXX XXXX or another banking institution. Not known yet. 
The FBI left me a message in XX/XX/XXXX finally they had evidence if suspicious activity in my SSN # I have the voice file saved on my phone. 
I also need the missing XXXX signature cards for XXXX my sole acct as per boa XXXX My address again for boas to send my records is ONLY XXXX XXXX XXXX XXXX NC XXXX XXXX. 
New fax due to old one tampered with XXXX I have asked XXXX to send the info certified but she said boa did not do that. I would appreciate it.

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