Consumer complaint received 2023-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My worst complaint of XXXX XXXX Bank of America is what they have done this week in response to my filing a CFPB complaint last week : they have replied, that is, suddenly mid XXXX year XXXX week after filing a CFPB complaint, I received RETURN RECEIPT REQUIRED the attached FINAL Notice advising sale of my home which has a current first mortgage. Isnt it coincidental? OR is it horrible conduct concerning a first time home buyer and senior on a second mortgage where I believe Bank of America XXXX of several counts of fraud or real naughtiness for several reasons as follows : XXXX was forced to accept an XX/XX/XXXX instead of a XX/XX/XXXX ( for which I was eligible by highest XXXX XXXX ) in XXXX. I was told the XX/XX/XXXX vs. XX/XX/XXXX doubled the broker 's compensation. XXXX I was so concerned about the XXXX XXXX % variable rate on the XXXX that I refinanced it in the first year. It appears that as a result, I was not included in the class action suit where B of A lost and was convicted of felony fraud that covered my mortgage on this first time homebuyer {$400000.00} new home purchase. XXXX appears I am not being included in the audit going on now for people who were harmed i.e., when I begged them to give me something fixed, they changed my variable XXXX to a negative amortization note of XX/XX/XXXX at 1 %. I did not understand there would be a balloon of $ XXXX no new terms in the XXXX year. In addition it became a HELOC of {$90000.00}. XXXX I declared bankruptcy in XXXX and they continue to send monthly collection notices. I did not reaffirm the XXXX, as I have paid {$99000.00}. on this {$40000.00} note. Over time, XXXX things happened that seem like fraud or severe naughtiness. XXXX BofA said there was no complaint process or department. They never admitted the class action! until I contacted the underlying lender XXXX XXXX in the XXXX year. Suddenly I had a reply that on the " XXXX '' there was no wrongdoing from a magically appearing department. I explained that they apparently could not even view the original purchase, ie, the XXXX, then XXXX then XXXX my verbal reply was an unnamed supervisor said this fact would not change our reply and there was 'no further recourse ', ie, a lie. XXXX complained and received the attached letter from a law firm citing my hundreds of attempts ( attached letter ) and saying goodbye. I consider it fraud that they did not disclose the audit or the XXXX action committee. XXXX consider it FRAUD that suddenly, mid XXXX year of the note XXXX week after I file a CFPB complaint that I receive final MATURITY payment default notice citing intent to sell my home if I do not refinance XXXX. Especially since XXXX complied with their refi process and BofA FRAUDULENTLY tried to convert my moms destroyed Florida trailer from a {$68000.00} liability for removal into a XXXX home rental property. I accused the employee in writing of fraud after the tenth request further documentation for the lease, the insurance ( kidding? ). BofA tried to manufacture income, thats fraud, to qualify me> You do the math. I am XXXX. I receive social security, pay 90 % of that amount for my XXXX mortgage which is current. XXXX More naughtiness : back when, my refi paperwork was conveniently lost over XXXX times, until the taxpayers assumed liability. I believe that is important to document the past history of misconduct for which they were guilty, they did it to me. From a regulators perspective : this note has been in default for XXXX XXXX years and it is not reported on my credit at all. I believe that may be fraud by BofA to show a bad loan as a good loan in their regulated balances. I believe the foreclosure suddenly now is to clean up their fraud before regulators notice this much more serious offense, ie defrauding industry regulators. ( Attached )

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