Consumer complaint received 2016-12-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Between XX/XX/XXXX ( after the issuance of the XXXX for XXXX installment statement ) and XX/XX/XXXX, Bank of America bought down the principal balance associated with this account. According to the information and representations provided to me on XX/XX/XXXX during a telephone call starting at XXXX to customer service at XXXX by XXXX, a Bank of America employee, the XX/XX/XXXX and XX/XX/XXXX installment payment amount is {$1100.00}, reduced from {$1500.00}. I was also informed during this call the adjustable rate mortgage ( ARM ) will adjust between {$1100.00} and {$1200.00} effective XX/XX/XXXX. 

On XX/XX/XXXX during a telephone call starting at XXXX to XXXX, Bank of America represented to me there is currently no written determination on appeal addressed to me issued by an Appeals Specialist of the Appeals Department as far back as XX/XX/XXXX. Also during this call, Bank of America confirmed there are a total of XXXX ( XXXX ) open and pending escalated cases, reference numbers XXXX of XX/XX/XXXX, XXXX of XX/XX/XXXX, XXXX of XX/XX/XXXX, XXXX of XX/XX/XXXX, and the timely requested appeal of XX/XX/XXXX ( as no Appeals Department determination on appeal has been issued ). 

As a matter of law, all Case Escalations are required to be resolved prior to initiation, continuance, or completion of any foreclosure process and evidenced by a written response to the customer. To date, no written response has been provided to me indicating any of the above referenced case escalations are resolved. 

I did not default on Bank of America ; Bank of America defaulted on me. 

28 ) State Tax Evasion - Intentional 29 ) Federal Tax Evasion - Intentional 30 ) Withholding of accurate or complete Federal tax related documents. 

36 ) Withholding of accurate or complete State tax related documents. 

37 ) Negligent Tax Evasion - State 38 ) Fraudulent Tax Evasion - State 39 ) Negligent Tax Evasion - Federal 40 ) Fraudulent Tax Evasion - Federal 41 ) Defauding the citizens of the United States of America. 

42 ) Defauding the citizens of the State of California. 

43 ) Misuse and abuse of State government provided funds. 

44 ) Misuse and abuse of Federal government provided funds. 

45 ) Negligent Loss Mitigation Processes, Practices, and Procedures. 

46 ) Fraudulent Loss Mitigation Processes, Practices, and Procedures. 

47 ) Failure to acknowledge an openly nortorious adverse possession claim to real property. 

48 ) Negligent recoding of real estate related documents. 

49 ) Fraudulent recoding of real estate related documents. 

50 ) Negligent transfer of ownership of real property. 

51 ) Fraudulent transfer of ownership of real property. 

52 ) Withholding of accurate or complete mortgage related documents. 

Bank of America must stop themselves before the Trustee Sale at auction of XX/XX/XXXX. 

All other previously mentioned resolutions are desired desired.

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