Consumer complaint received 2017-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX Bank of America, through their legal counsel, is now representing " Your loan is paid in full. '' This mirrors the XX/XX/XXXX representation of there is no principal balance associated with my account. It should be noted this representation is made prior to the Truste 's Sale at public auction of XX/XX/XXXX. 

On XXXX XXXX, XXXX, Bank of America, through their legal counsel, represented to me no default has occurred on the XX/XX/XXXX Deed of Trust, but rather on the Modified Deed of Trust of XX/XX/XXXX. Therefore, no Notice of Default ( NOD ) should have been recorded on the XX/XX/XXXX Deed of Trust. No NOD has been recorded on the XX/XX/XXXX Modified Deed of Trust to date. 

I have openly and notoriously claimed ownership of this property since XX/XX/XXXX upon confirmation of receipt of my submitted request for mortgage assistance ( RMA ) informing Bank of America the monthly installment payments made under the terms of the XX/XX/XXXX Deed of Trust will be stopped. This is an open admission and was not done in secret. It should be noted it is required the account is deliquent or in danger of becoming deliquent, meaning no more monthly installment payments may be had, for the bank or servicer to accept a tendered RMA. 

All the while Bank of America claimed I have been cheating them by not holding up my end of a loan they have been cheating folks out of their mortgaged homes and properties. And while Bank of America has worked very hard for very long to create and bend the law in their favor and against borrowers, the buck is spent. In the State of California, one may bring a private right of action in civil court for the banks wrong doing. While I may not bring criminal charges against Bank of America for their criminal activities, I can bring attention to these dirty deeds - and I have and will continue to do so. 

Bank of America stole my home and property. While I have claimed adverse possession, I am not a thief. Bank of America, on the other hand, has acted like a theif in the night with thier actions. That 's the difference between adverse possession and robbery. Both are openly notorious, but one is done in accordance with the law and the other employs unfair, poor and deceptive practices designed to circumvent the law. 

After a new review of the Bank of America XX/XX/XXXX document, it appears the Home Affordable Modification Program ( HAMP ) is, in fact, not a modification amendment as I related in previous CFPB complaints, but rather an offer to settle for wrong doing during the modification process that resulted in a Making Home Affordable ( MHA ) HAMP mortgage modification finalized in XX/XX/XXXX. Therefore, Bank of America must honor the settlement by forwarding the principal forgiveness amount to me immediately upon sale of the loan or Deed of Trust. 

96 ) Economic and Financial Terrorism. 
97 ) Money Laundering. 
98 ) Negligent Accounting Practices, Policies, and Proceedures. 
99 ) Fraudulent Accounting Practices, Policies, and Proceedures. 
100 ) Robbery - Real Property. 
101 ) Economic and Financial Sabotage. 
102 ) Secure and Fair Enforcement for Mortgage Licensing Act ( SAFE Act ). 
103 ) California Residential Mortgage Lending Act. 

All previously mentioned resolutions are desired and mandatory to include the XXXX principal forgiveness amount with interest compounded daily at the applied rate associated with the account.

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