Consumer complaint received 2016-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I received a collection letter from XXXX XXXX, XXXX Attorneys at Law attempting to collect on Loan Number XXXX with Bank of America, dated XXXX XXXX, XXXX. 

This mortgage debt was discharged in bankruptcy case number XXXX on XXXX XXXX, XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX were both included in the Certificate of Service, Certificate of Mailing and the final order discharging the debt. 

On XXXX XXXX, XXXX, XXXX Filed Case No. XXXX for foreclosure of the loan XXXX. On XXXX XXXX, XXXX, Order XXXX foreclosure was granted. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed case number XXXX to proceed with the XXXX property for foreclosure and a foreclosure sale. Order XXXX was granted on XXXX XXXX, XXXX giving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the right to foreclose and proceed with a foreclosure sale of the property on loan XXXX. 

XX/XX/XXXX with the foreclosure granted and a foreclosure sale looming, I took a job in XXXX and I moved my family. We have not lived in the house since that time. 

Bank of America claims it took over the servicing of the loan from XXXX XXXX XXXX XX/XX/XXXX. I have records showing Bank of America was servicing this same loan under account number XXXX from XX/XX/XXXX through XX/XX/XXXX. When they claim to have started servicing this loan in XX/XX/XXXX, they were reporting it going back to XX/XX/XXXX. In XX/XX/XXXX, they were collecting on this debt and reporting this debt to credit bureaus even though it was discharged in bankruptcy court. On XXXX XXXX, XXXX, after fighting Bank of America for four years and two months, Bank of America finally realized that they were mistaken and were not entitled to collect and report the delinquency on this loan. 

In XX/XX/XXXX and XX/XX/XXXX, I attempted a short sale contracts with Bank of America which they declined both offers on the house. 

On XXXX XXXX, XXXX, the City of XXXX filed a lien against the property because they had to hire a company to mow the grass. 

XX/XX/XXXX, I had also attempted to do a Deed In Lieu of Foreclosure which stalled when Bank of America 's title company could not locate the title of the original mortgage I had on the house. 

On XXXX XXXX, XXXX, Bank of America started changing Assignments of this mortgage from XXXX, From XXXX XXXX XXXX to XXXX, XXXX and XXXX from XXXX, XXXX to XXXX XXXX. I 'm not sure but I do have an Idea of who owns the loan now. 


On XXXX XXXX, XXXX, Bank of America sends a Notice of Acceleration requiring {$190000.00} incurred post-bankruptcy from XXXX XXXX through XXXX XXXX. 

On XXXX XXXX, XXXX, I receive the letter of Collection from XXXX XXXX - XXXX, XXXX claiming that neither Bank of America nor they have any knowledge of the bankruptcy, which is pathetic on both Bank of America and the Attorney 's office.

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 non-monetary relief