Consumer complaint received 2020-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Subject : Fraudulent Mortgage Origination-Non existent Lender not registered in PA or  any other state and not registered as a Lender in New York. 



Dear Sir, I have recently come across information that I have been paying on a mortgage and note funded by a nonexistent entity since XX/XX/XXXX. 

America 's Wholesale Lender, was never registered or licensed in Pennsylvania or any other state for that matter. It is recorded on my note as being a corporation registered with the state of New York., it is not nor has it ever been. The lender is not a real entity and has no employees. My note was " sold ' to Bank of America in XXXX, with the note endorsed in blank signed by a representative of Countywide, dba America 's Wholesale Lender. Nowhere on the original note appears Countrywide Home Loans or any other Countrywide reference. 

I am XXXX XXXX XXXX, since XX/XX/XXXX. 

Recently and occurring now my Servicing Company, XXXX XXXX XXXX has sent me Act 91 documents threatening foreclosure. They say I have missed 3 consecutive months of payments, not true. My mortgage payments have always been 100 % current and on time. This 30 day late mark has dropped my credit rating 87 points, XXXX refuses to remove the mark and restore my former credit score of XXXX. I have bank records showing the payments directly wired from my bank account to XXXX XXXX XXXX XXXX bank account using the Bill Pay feature, that I was advised to use by XXXX XXXX XXXX personnel. XXXX XXXX XXXX has my bank statements, yet still send me foreclose letters. The only way in the past I can get any thing correct with XXXX, is to go through XXXX Ombudsman Department. For the current situation I have had no success with resolution over the incorrect missed or late payments. I would also like XXXX XXXX XXXX to prove to me the original mortgage documents are not fraudulent and the debt is valid, the stated lender is a nonentity, not licensed and not registered. I'm afraid to do so, worried XXXX will retaliate by initiating a court case against me. I have no money for representation in court and fear I would lose my home. My home was purchased by my Grandparents on XX/XX/XXXX, it has always been home. I suffer from XXXX XXXX XXXX, XXXX and XXXX XXXX being under constant professional care since XX/XX/XXXX. The current situation is causing great XXXX XXXX and worsening my XXXX XXXX. I am exhausted from explaining to XXXX representatives the situation everytime I call them. When they do pull up my account information, there are no records of my calls, just records of the letters they have sent me. I can't continue to maintain semi healthy living with this threat and worry on my shoulders. Anything you can do for me personally will be greatly appreciated, I need permanent relief from this situation with XXXX that is causing me physical, mental and financial injury. Please send me some kind of status report on what is being done on my behalf. 

Respectfully, Concerned

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