Consumer complaint received 2017-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have filed previous complaints about my home loan with BOA. I keep investigating and I am finding more fraud committed by BOA. I am not resting and I can not sleep. The evil things that BOA, Countrywide, XXXX and XXXX has done to me and my family is uncalled for. 
I have attached copies of an article on how to spot fraud with your mortgage documents. My mortgage/loan paperwork has too many on them. I have enclosed a few. Furthermore, I went back to the courthouse and dug further into the paperwork. There is an assignment of mortgage on XX/XX/XXXX The lender, BOA assigned it to XXXX. On XX/XX/XXXX there is a FULL RELEASE OF REAL ESTATE MORTGAGE with Bank of America. There is no amount stated on this copy. It does have the date of XX/XX/XXXX which is a lie. BOA, " so called forgave " a home equity loan that I did not take out in XX/XX/XXXX. My husband borrowed the extra {$47000.00} that was put into the {$250000.00} mortgage done on XX/XX/XXXX. How could they forgive a loan when that money was put into our mortgage?!!! 

I have a copy of the loan modification done in XX/XX/XXXX with BOA. No one can seem to find this except for BOA. I asked XXXX for copies of this modification and they send it to me. No one can see that I had a modification except for Bank of America and XXXX. If you look at the copy they gave me, IT HAS MY SIGNATURE ON THE AGREEMENT 2X!!!!!! My signature and date are not even on the lines provided. I am sure I would not sign and date a document below the line!!!! That just shows more fraud. They could n't get my signature copied and pasted to the correct line so they just left it like that. 

A lot of the paperwork has a barcodes and an instrument number on it. FRAUD. I would like a copy of the note provided to me by XXXX who so calls owns my loan. I do n't want the modification ... ... I want the original note. I do not owe XXXX a dime. They are a collection agency. They are collecting a debt for BOA. I checked with BOA and I do not have a loan with them anymore. Who owns my loan?!!!!!!!! I called XXXX XXXX  last week and they said BOA did. They need to get their lies straight. I also looked put XXXX XXXX, Vice President for BOA in XXXX County, North Carolina as signed on my mortgage release paperwork XX/XX/XXXX ... ..no such person!!! 

I also attached letters from an attorney to dismiss the foreclosure that was FRAUD also. All of the threats to me stating that " your house is going up for sale at the courthouse next week ''. All lies. They stopped with the phony baloney lies stating that they did not receive any paperwork after I started to send my paperwork through XXXX. 

I also found an article stating that it is a Breech of Contract when the amortization schedule from the loan documents do n't match the principle. My principle was {$250000.00}. They took it up to {$280000.00} with the loan document that I enclosed with my signature and the date in the wrong place. Signed 2X!!!!!???? They could n't copy and paste my signature quite right. A blessing in disguise. I attached paperwork in a previous complaint last week with the schedule of payments from BOA. 

BOA needs to admit they did wrong and correct it. 
I am praying that some honest person can see what has gone on here and correct the situation. I am still struggling to get by paycheck to paycheck. I am also caretaker for my XXXX husband who has bipolar. PLEASE, someone help!!

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