Consumer complaint received 2016-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Responding to Bank of America, s XXXX page response with incorrect decision to foreclosure on XX/XX/XXXX, on home with loan that was eligible for modification but was turn down and if you look at the loan the actions of Bank of America shows a openly appearance of Bias and Prejudice against XXXX XXXX that was on social security XXXX with not knowing much about realastate and trained professionals in realastate set me up for failure with a loan that was unreasonable, flake appraisal that no one can come up with a record or company that gave the appraisal.Bank of America apprised the home at XXXX and gave a loan at XXXX, seting homeowner up for failure with a balloon rate with unreasonable terms that bank of america had a responsibility as professionals to give the standard of care that a reasonably prudent person would exercise in a similar situation, when the realastate agencies conduct fell below the legal standards established to protect others against unreasonable risk of harm, except for the conduct that is INTENTIONALLY or WILLFULLY disregarding of others rights when they failed to exercise expressed, in additional terms of the following elements : Duty, Breach of Duty, Causation, and Damages. Bank of America foreclosed on my home with out notice or waning holding XXXX in insurance checks made payable to the bank and my self in XX/XX/XXXX Bank of America received the first check in the amount of XXXX and a second check in XX/XX/XXXX in the amount of XXXX that the foreclosure was a violation of my rights as a homeowner my home should have never went in to foreclosure XX/XX/XXXX with extreme CROSS NEGLIGENCE that is punishable as a crime ; CRIMINAL NEGLIGENCE, BANK OF AMERICA should be penalized/disbarred, and severely fined for their misconduct in a [ Informal Hearing ] without XXXX XXXX it shows under the microscope the banks regulatory scheme with that adverse ruling because it was not just legal, nor was it free from ABUSE it misconstrues legal principles producing BAD FAITH /BAD LAW from the absence of overall fairness and honesty with the intent to deceive others by evading of ones own fiduciary obligations pertaining to the AMENDMENT VI ( XXXX ), article of Amendments to constitution of UNITED STATES OF AMERICA.Despite numerous of questions with no answers or remedy in this matter with conscious acts, and omissions of DUE Process, at every stage of their involvement bank of america a realastate company called XXXX XXXX XXXX XXXX in XXXX XXXX kansas and a company called XXXX XXXX out of XXXX kansas that the court house in XXXX has no information or /has never heard of this company, these people has negativity affected the rights of XXXX XXXX with unreasonable bias which law provides a remedy for such wrongs in breach of a duty, NOT to do it, i believe that bank of america by hindering DUE Process committed FRAUD KNOWINGLY KEEPS THE PROCEEDING in a misdirection from a [ Review ] i also believe that if XXXX XXXX could take a look at this case it would show discriminatory lending practices and the consumer financial protection bureau is n't protecting my rights because i can not obtain a fair enforcement at all.

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