Consumer complaint received 2017-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am submitting a complaint about bank of america, XXXX which i submitted earlier but the attachments did not attach and therefore the response from the bank of america attorney stated my claims were not factually sound and they are factually sound and the evidence proves they are. Therefore, I am resubmitting the complaint because the evidence was not attached the first time. Bank of america is responsible for the loss of my home due to a fraudulent foreclosure. They knowingly lied to the DAs and homeowners and knowingly gave defective and falsified documents to XXXX ( among others ) so they could foreclose on homeowners using mortgage notes that had falsified endorsements added to them XXXX, XXXX plus years after they should have been endorsed. This is a criminal attempt to better their record to create after the fact evidence to to falsely prove they, along w/XXXX ( nka XXXX ) are the holders of the notes and mortgages in an ongoing fraud upon homeowners. The attorney also provided a copy of a loan application. THat loan application is different than what bank of america gave to green tree, who mailed me a copy that was different. The XXXX green tree sent to me has an added bonus to salary, an added year to length of employment and has changed the reason for the loan to home improvement. That is not what was given to me at settlement, and the one they sent me should n't even exist as I did not give my permission or did I have any knowledge that someone changed it or of its existence. Bank of america also, through the use of an invalid, void assignment that names a bank that was out of business and taken over by the fdic at the time, and is robosigned, used that as another piece of fraudulent evidence against me which caused me to lose my home. SO they have falsified a security instrument by forging the homeowners name and adding falsified endorsements to falsely show they have to right to foreclose on homeowners that have been nothing but lied to by them. THe CFPB needs to step in and do something to make bank of america fully compensate those that have been injured by these criminals. I am attaching the copy of the note from XX/XX/XXXX that was submitted to the court by BOA attorneys and that note has NO ENDORSEMENTS whatsoever. Those endorsements would have been there in XX/XX/XXXX, yet they are not there in XX/XX/XXXX, they are not there in XX/XX/XXXX per a correspondence sent to me from Bank of america. I am also attaching the signature sheet of what is supposed to be the same exact note as in XX/XX/XXXX, but now there are " ta-da '' endorsements. They suddenly appear in XX/XX/XXXX, 8 years AFTER they would have been there if they were indeed genuine. The difference in the signature of XXXX XXXX is also notably different, proving that bank of america is involved in forging and altering of legal documents and then using those falsified documents as evidence to steal homes.

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