Consumer complaint received 2016-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America through their hired agent XXXX, has refused to rescind the XX/XX/XXXX Notice of Default ( NOD ) and the XX/XX/XXXX Notice of Trustee Sale ( NTS ) that may cause the unlawful sale of my property on XX/XX/XXXX. To date, I have not received a certified recorders copy of the NTS, so I have no way to determine if, in fact, a NTS was actually recorded. Bank of America and XXXX have made multiple misrepresentations during and throughout the loss mitigation process. This is no different and more of the same. While I have a reference number for the XX/XX/XXXX XXXX, I have not been able to confirm the validity and recording of the NTS and wo n't be able to do so until a recorded copy is provided to me. Until I am provided a recorded NTS, Bank of America, through their hired agent XXXX, can not proceed with Trustee Sale at auction as a matter of law as notification requirements have not been met. 
Bank of America has hired XXXX ( XXXX ) as Trustee to oversee the foreclosure and sale of my home since at least XX/XX/XXXX. XXXX is a debt collection agency and a foreclosure company. As a debt collector, XXXX has purchased this home loan mortgage as part of a racketeering mortgage and real estate enterprise. In their role as Trustee, XXXX has committed multiple violations of law including, but not limited to, the XXXX and XXXX ( XXXX ) XXXX and the XXXX Homeowners Bill of Rights. 
56 ) XXXX XXXX - State. 
57 ) XXXX XXXX - XXXX. 
58 ) Profiting from unfair business advantages and relationships XXXX insider information ). 
59 ) XXXX XXXX - State. 
60 ) XXXX XXXX - XXXX. 
61 ) Non-performance on a contract or agreement. 
62 ) Securities XXXX. 
63 ) XXXX XXXX of privacy. 
64 ) XXXX XXXX of privacy. 
65 ) XXXX of privacy through seclusion. 
Bank of America has to stop themselves before the unlawful sale of my property or be stopped after the unlawful sale of my home. 
All previously mentioned resolutions are desired including all statutory, exemplary, and punitive damages plus an addtional XXXX percent and an immediate reimbursement of all amounts applied and assessed to this mortgage account at a compounded daily interest rate of XXXX percent via cashier 's check not drawn on Bank of America or any of their affiates, or on a bank that does not conduct business within the state of California. Not only must Bank of America pay me back, to include mesne profits, Bank of America must also repay the tax payers all amounts associated with this account. This includes, but is not limited to, TARP, MHA, HHF funds since XX/XX/XXXX. 
Damages are calculated as follows*/** : STATUTORY : {$50000.00}, plus Median XXXX XXXX XXXX XXXX XXXX and all amounts ever accessed on or associated with the real property, home loan mortgage account, personal property of at least {$300000.00} or actual value, whichever is greater, and all litigation costs. XXXX pets and livestock are an additional {$50000.00} each, plus ; EXEMPLARY : Payment of all property taxes and insurances for a minimum of XXXX ( XXXX ) years and XXXX ( XXXX ) times statutory damages, plus ; PUNITIVE : The statutory and exemplary damages for each instance of every cause of action listed, plus an additional XXXX % of the total monetary damages ( statutory, exemplary, and punitive ). 
*Death claims are an additional trebling of calculated total damages for each instance. 
**Seniors and XXXX persons are entitled to any additional damages allowed by law for each eligible household member. 
I did not default on Bank of America XXXX Bank of America defaulted on me!

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