Consumer complaint received 2019-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My complaint is regarding alleged deceptive mortgage practices, harassment. I'm a victim of deceptive mortgage practices alleged by Bank of America etc. Changed documents, inaccurate information. My case involves the National mortgage settlement XXXX that I received no monetary relief from. Please read attachments and exhibits that will explain in details the deceptive mortgage practices that are ongoing. Everything started with Countrywide Home mortgages in XX/XX/XXXX. We had to stop an unlawful eviction By Bank of America claiming to be XXXX XXXX XXXX XXXX XXXX and the eviction case was dismissed based on Evidence I provided to the County court regarding possession of the home. The eviction name on the home states XXXX XXXX XXXX XXXX XXXX doing the eviction. The Names of banks also keep switching back and forth between Bank of America and XXXX XXXX XXXX XXXX XXXX. As well as false statements that my spouse and I moved into an abandoned home and Bank of America reported the home as abandoned in XXXX on a tax return XXXX form. The eviction was in my spouse name as if she was a squatter who moved into an abandoned home random off the street. The Eviction also made it appear as if I had moved out the home years ago and that my spouse and I had no connection to one another. These allegations are all false as well as defamation/Sander. The home has never been abandoned and Im the rightful owner of the home. I never gave up my rights to my home or sign a deed in lieu document with anyone. There are also forged documents on a filed foreclosure complaint by Bank of America as well. Bank of America was also never recorded in XXXXhe County record of deeds as a mortgage Servicer or any owner involvement with my home. Bank of America claims to have been a mortgage Service never recorded in the deed records? Bank of America is now trying to auction and sell the home on Auction.com please review attachments. I have sent certified letters to XXXX XXXX XXXX XXXX  XXXX in XX/XX/XXXX and have not received a response back. XXXX XXXX XXXX XXXX XXXX has continued to not give a response or an answer to any of my complaint. This is not a Duplicate complaint because A response have never been given to me or on the CFPB complaint portal. Each complaint contains different information. Requesting a response regarding XXXX XXXX XXXX XXXX involvement with my case? This is only 35 percent of the evidence submitted in this complaint to the CFPB regarding deceptive practices, fraud, debt not owed identity theft, and violations of the fair debt collection practices act. 



I have provided exhibits A thru C in addition to other documents that I still request a response to. The alleged Bank of America itemizes billing statement say XX/XX/XXXX filed. I never had a loan with anyone in XXXX. The second alleged Bank of America billing statement states XXXX. Again I never had a mortgage loan with anyone in XXXX. The Mortgage was alleged to be XX/XX/XXXX. A true itemize billing statement does not change the dates back and forth. Exhibit A is the deed of the home and the first mortgage loan I ever had dated XX/XX/XXXX Warranty Deed. Not XXXX or XXXX. Then I received a release of Mortgage XX/XX/XXXX. Which was the same loan received in XX/XX/XXXX. As well as a congratulations letter stating the loan was paid off by the first senior lien holder. There was a subordinate agreement between the other lenders. If the home was foreclosed on by an alleged junior lender the first mortgage would need to be paid off first. However the home did not sell prior to the release of mortgage. A borrower does not receive a release of mortgage following a foreclosure. Exhibit C show the loan trail activity from XX/XX/XXXX all the way to the release recorded in the county deed records on XX/XX/XXXX. I was never notified of an assignment regarding XXXX XXXX XXXX XXXX XXXX. Also XXXX XXXX XXXX XXXX XXXX reported the home as an apartment building and this was also reported to my credit report was well. When it's a single family home. XXXX XXXX XXXX XXXX and Bank of America is alleged to be working together regarding these allegations used interchangeable to confuse who is doing what. 

It also shows that there is no record of Bank of America as a loan servicer recorded in the deed records at all. Nor was there a recorded Assignment showing Bank of America as a loan servicer on any account in the recorder of deeds. With the information i provided clearly shows me a true owner of the home. Bank of America is not the owner of the home or XXXX XXXX XXXX XXXX XXXX as alleged. I would like to let my evidence do the talking. Also the IRS has not record that this loan ever existed in my name or identity as a HELOC mortgage loan during the time and dates of this alleged loan with countywide, XXXX XXXX XXXX XXXX XXXX or Bank of America. Nor was it reported to the IRS as well in my name during that time as well. Again i'm Requesting a response to my complaint.

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