Consumer complaint received 2023-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Bank of America bought a bad loan. No one wants resolve more than I do. I wish I could stop BofA from coming after me. What BofA is intending is designedto hurt me. I am seeking fair administration of this case. BofA needs to slow down and be patient and not move against me with ferocious intent. I can't negotiate anything with them until this case settles. A party who is forced into a contract under duress like I was, can rescind the contract rendering it null & void. At the mortgage closing I was crying and kept repeating " this is the worst day of my life, over & over. '' It is the government 's right to protect the rights of US citizens. There is simply no recourse for those who don't have a significant retainer to have an attorney make this stop. Imagine losing everything that matters to you including your XXXX  child. 
A debt collector is seeking to seize my home. I should be allowed to seek damages and a jury trial. I have suffered irreparable injury. I am seeking forbearanceto stop a foreclosure & eviction. A broker dealer provided access to a home loan that would have otherwise been unavailable to me with no work or credit history. He was the prohibited third party to the mortgage agreement and guaranteed the mortgage loan. Against the rules, he participated in a private transaction while under direct supervision of the firm. He exercised 'client unavailable ' for 90 days while I was XXXX . He guaranteed the mortgage loan without ongoing responsibility, and locked me into a subprime mortgage loan with the escrow, the protection, removed when I had enough to pay for the mortgage in full with plenty to spare. He put the down paymentinto a margin account. I had no work or credit history, no credentials & no distinctions. 100 out of 343 holdings in my portfolio could not be identified by the Department of Business Regulation. The securities regulator had no idea what they actually were. 58 out of 60 exception notices went unanswered. When the account transferred to another brokerage after nearly 4 months with an open margin balance, the holdings in the margin account with the mortgage, were rejected by the receiving broker for credit violation, the account was placed in margin deficitand forced liquidation. 
I have suffered harm including economic loss, physical and mental injury, and emotional suffering. I am a victim of financial malfeasance and abuse of power. I should be treated with compassion & respect for my dignity. I am entitledto the mechanisms of justice and redress for the harms I have suffered. The third party responsible should make fair restitution for their behaviors, including return of funds, reimbursement, payment for the harms and loss suffered. I am a victim here. I have the right to restitution, and the right to be treatedwith respect and dignity. I have the right to be protected & the right to be heard. 
I can not be forced to leave the one safe place I have created in this world. self-advocacy means speaking up for one 's self and one 's interests. I am XXXX. I also suffer from XXXX XXXX XXXX XXXX XXXX XXXX. I am XXXX  in my daily living and must make adjustments to avoid exposure. I have created a safe, chemical-free living space and would not survive contaminants. Bank of America must take this seriously. I was going progressively XXXX in XXXX, and was treated by the XXXX of XXXX XXXX University who advised I would never see again. I suffer from progressively more XXXX XXXXXXXX XXXX XXXX to various consumer products. I need to be isolated from others and request BofA be mindful. Now that I have corrected the condition throughstrictvigilance, I can not risk going XXXX again. 
XXXX renders an individual vulnerable to be taken advantage of. I can demonstrate a pattern of harassment, defamation and abuse. I am seeking a diplomatic solution, Bank of America needs to stand down their intention and wait for justice to be served. I hope to protect my rights afforded to me by the US Constitution, to speak the truth and report the facts without fear of vicious and vindictive retribution of which most have no way to fight back. I am a victim of the subprime banking crisis and rising far right political forces. it should be prohibited to remove basic protections from me and punish me for something I did not do. I believe my rights have been violated and I requested an inquiry to make sure I receive justice, due process, fairness and respect and to receive restitution from the people who caused my losses and to be heard. I am seeking personal safety and seeing the perpetrators prosecuted for the ruin they caused. Fair housing is not an option, it's the law. it's up to the allergic person to ensure her own safety. 
XXXX  crimes area social problem because they directly marginalize and target specific people. In XXXX prior to the signing of the mortgage agreement I was XXXX  XXXX, harassed & robbed. I was ignorant of finance, which is not a crime. I had barely balanced a checkbook. I was on my own for the first time in my life & relied on a broker dealer to do the right thing by me. At that point I did not know who to trust. I had no professional certifications, designations, or credentials. I did not have an income or credit history. I had never worked. I inherited {$1.00} XXXX dollars. I never had money of my own before the intergenerational wealth transfer. I am old school, i pay by cash or check and use no credit or debit. I never had money and then I did. I don't think the broker dealer knew too much about the effect of what they were doing to me. If a system is in place to supervisory personnel looking for evidence of suitability and compliance violations which violate patterns and trends to manage suspicious activity what good is it if there is no one to follow through? Without follow up the control they are supposed to implement is rendered an ineffective method of exception reporting if no one does anything about it. 
I require financial support through court ordered restitution. My rights have been violated and I am entitled to certain rights according to federal law. I have the right to be protected from harm, the right to be treated equally under law, the right to non-discrimination, the right to a remedy, access to justice & due process rights. I am seeking personal safety and seeing the perpetrators prosecuted for the ruin they caused. I can not be forced to leave the one safe place I have created in this world. What Bank of America is intending is persecution designed to hurt me. BofA needs to slow down & be patient and not move against me with ferocious intent. I can't negotiate anything with BofA until this case settles. This is an urgent plea to protect the status quo. I will not allowBofA to destroy my life. I require a controlled green living space. My sensitivities raise a bouquet of legal issues and require accommodation. I am seeking forbearance to stop foreclosure & eviction. Bank of America needs to ensure my rights and put my safety first. BofA needs to slow down their intention and wait for justice to be served.

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