Consumer complaint received 2016-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX and XXXX XXXX, XXXX Bank of America ( BofA ) through their employees, representatives, and third party agents caused to be recorded notices of default and trustee sale indicating the named trustee XXXX XXXX XXXX XXXX ( XXXX ), owned by XXXX and XXXX, an XXXX based law firm, as the mortgagor within those documents. If, in fact, XXXX is the mortgagor, then what does the Notice of Default ( NOD ) and the Notice of Trustee Sale ( NTS ) have to do with me other than my occupation of the property as an adverse possessor? 
Based on supporting documents XXXX purchased the XXXX Deed of Trust on or about XXXX XXXX, XXXX believing XXXX bought the property from Bank of America , N.A . but, in fact, did not as the original trust deed has been made obsolete by non-payment. XXXX purchased the right to become Trustee from Bank of America in order to foreclose on the mortgage at a profit as part of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and relationship. XXXX purchase the mortgage loan, ownership rights to the Deed of Trust, and right to foreclose, not the property, possession, or ownership of the Deed and made the purchase without recourse, guarantee, or warranty. Why anyone or a corporation would associate themselves with a mortgage debt without also associating themselves with property possession and ownership is beyond comprehension, but for as part of a racketeering business enterprise scheme and the prior existence of a business relationship. 
On XXXX XXXX, XXXX a Substitution of Trustee was recorded naming XXXX the Trustee. Therefore, Bank of America should not represent XXXX as the mortgagor on both the Notice of Default ( NOD ) and the Notice of Trustee Sale ( NTS ) unless XXXX now owns the mortgage. According to XXXX XXXX County Recorder 's Office records, my name is the only XXXX listed on the Deed making me, XXXX XXXX, the sole owner of the property. 
On XXXX XXXX, XXXX I contacted Bank of America, in part, to lodge complaints ( escalated case reference numbers XXXX of XXXX XXXX, XXXX, XXXX and XXXX of XXXX XXXX, XXXX, XXXX of XXXX XXXX, XXXX, XXXX and XXXX of XXXX XXXX, XXXX XXXX and informed Bank of America, their representatives and third party agents, of the fraudulent nature of the NOD and NTS, and requested immediate rescissions of both recorded documents. 
I have been unable to get in touch with the newly appointed single point of contact ( SPOC ) /customer relationship manager ( CRM ) since he was assigned on XXXX XXXX, XXXX. The CRMs I have been able to speak with, including Assistant Vice Presidents ( AVPs ), are no different from those in the past and before in that they have no clue as to the law relating to loss migitation processes. Bank of America just keep on breaking the rules. 
To date, the property has not been sold or bought at Trustee 's Sale or Auction. I have already made a public announcement and claim challenging any right to buy or sell my home. 
All other previously mentioned resolutions are desired. 
I did n't defraud Bank of America. Bank of America defrauded 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