Consumer complaint received 2023-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a loan account ending XXXX & XXXX with Countrywide as my direct loan advisor and Lender. Countrywide put me into unfair predatory lending that was illegal as no possible way to pay the negative amortizations on Four Refinances in XX/XX/XXXX. 

By XXXX by mutual agreement with XXXX  informed me to not pay, and within the next months called Due by Affirmative Act of Acceleration of the Maturity Date to XX/XX/XXXX. There was never any deceleration of the debt obligation called due. The maturity Date never changed. California Law provides Civil Code 880.020-882.040 and provides the debt obligation is no longer enforceable by any means, nor is the enforcement of the power of sale in the deed of trust. The deed of trust is VOID. Satisfied. Payments were made during XXXX and refused when they were to provide a loan modification under NMS agreement . BAC  Home Loans Servicing closed down in XXXX. By XXXX, Six years after acceleration no litigation no bankruptcy the Accounts all of them were removed " off from my credit '' and Accounts were Closed by XXXX  - AND THOSE WERE XXXX BALANCE DUE. NO CREDIT TRANSFERRED. I HAVE PROOF OF THE CREDIT REPORT BEFORE FILING A BANKRUPTCY ON XX/XX/XXXX. 
BY XXXX BAC transferred to XXXX XXXX XXXX and later turned to XXXX XXXX XXXX XXXX The IRS Form from XXXX had no outstanding balance due. XXXXXXXX XXXX  XXXX hires Attorneys to make up the law to AID and state that the lien and debt is owed and forced me to file Bankruptcy and presold by mock auction opened up " Escrow '' on XX/XX/XXXX by a well known " investor '' buyer. And XXXX is making up FALSE DEBT that is not owed. 
More than FIFTEEN YEARS since the last due date recorded indebtedness XX/XX/XXXX. No Litigation ever but for short total of XXXX Months of Bankrutpcy after the debt was no longer enforceable. XXXX XXXX XXXXXXXX hires out of state attorney 's to make false debt claims. My Identity has been the link to create their fake debt claim and I have called the FBI/FTC and will update to the IRS and OIG of the Social Security XXXX They are now claiming a new Sale Date of XX/XX/XXXX and have caused me to file ruin and destroyed my life and credit for a FAKE False Misleading phantom debt " False Lien '' Scam to take and steal my equity, my real property using FALSE DEBT using my Identity. 
I have recently uncovered the scam since being a victim of Title Theft and this opened up to show me that this is Identity Theft. The entire debt was CLOSED XXXX DUE since XXXX. XXXX XXXX XXXX  has made up false debt that is to take over XXXX XXXX with false statements of FAKE FALSE IRS FORMS now using my identity claiming I owe when no legal rights exist. There is no In Rem and No Rights this violates CA Marketable Record Title Act Civil Code 880.020-882.040 and no preservation of any interest recorded. More than Ten years, More than 15 years since last Due recorded ascertainable. I am harassed by fake debt by Attorney 's hired to AID in GRAND THEFT.

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