Consumer complaint received 2021-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
It looks like bank of america applied our funds to someone else 's mortgage and then wanted to keep the funds and sent an attorney to foreclose our home. XXXX XXXX company stated they are not a party to the transaction that in XXXX took place, with title insurance and a mortgage amount that had a payoff of less than what bank of america is attempting to collect with their attorneys. 
If they are wanting to foreclose, then, what did they did with the almost XXXX $ we gave bank of america to payoff the mortgage? 
we have the right to know what they did with the funds, when we called them they told us that they gave a " refund '' yet we did not get the XXXX XXXX That money was in a contract in XXXX to payoff the mortgage with the installments monthly, stated by bank of america to pay off the mortgage XXXX XXXX company said they do not have he money that they deposited the money into the XXXX XXXX account XXXX XXXX account number ( we have proof ) and XXXX XXXX paid bank of america, but bank of america paid a mortgage that was NOT in our name and the funds should be traced investigated and if theft occured, that the bank has a blanket insurance company fo r this type of theft if the bank gave a " refund '' to the wrong party. 
we are entitled to know where my social security funds and retirement went. 
My name is XXXX XXXX and I an NOT the same person as XXXX XXXX, We are two different individuals and are not related at all. Maybe that is the confusion. It appears that the bank confused the accounts. Our payments show they went to XXXX XXXX, and XXXX XXXX, married couple who live in florida continuously at their primary residence ( paid cash?? with a XXXX private note ) My name again is XXXX XXXX, I am a widow of a military veteran in the XXXX, named XXXX XXXX XXXX, and my daughter is XXXX XXXX XXXX, and In no way we are associated or are family of XXXX XXXX and XXXX XXXX but for the fact that they sold us the home at XXXX XXXX XXXX XXXX XXXX NM XXXX in XXXX almost 13 years or more ago. 
These couple the XXXX XXXX have never lived at XXXX XXXX XXXX XXXX nm XXXX since XXXX and they mortgaged the house with bank of america 2 years back when they initially bought it with with countrywide that bank of america bought the loan from The courts of NM dismissed XXXX XXXX because they prove the judge XXXX in the case that they paid the money in its ENTIRETY TO bank of america and the collector XXXX all along. 
Now XXXX is saying bank of america authorized them to foreclose with a lawyer firm XXXX and XXXX. with an attorney named XXXX who is not too friendly... 
If Bank of america says they NEVER RECEIVED OUR PAYMENTS then what did the banks do with OUR MONEY, The courts already ruled that XXXX XXXX did their part by sending ALL TH MONEY TO BANK OF AMERICA, so if bank of america disposed of OUR MONEY in a way other than returning to us all the past 15 years of payments including downpayment, they shoudl investigate and file a claim with their theft insurance. We need that money because according to XXXX XXXX bank of america was paid. We were told we paid off the contract that the XXXXXXXX XXXX incurred in XXXX when they were taken OFF the title, if they were taken off the title, then the banks should have contacted us if, as we were told " negotiated with the prior owners '' for a deferment or forebearance or modification which they were not allowed to do without our consent, TAking our money and taking the house would be a crime by the bank and economical abuse to a XXXX XXXX widow of a military person who gave his life to serve this country We want to know what the banks did with our money for 15 years. We want justice, we want to live in peace in the home we paid off and we have endured a long suffereing battle with these attorneys sent by bank of america, and their collector, XXXX. My XXXX XXXX has been affected, my job, my mom 's health my kids wellbeing all, it has been a battle since XXXX and payments till XXXX since XXXX and no answers. Wheer is our money that paid off our house. please. we have the right to know what you did with it. return the money that paid the house to apy it off as we were promised by the title compay who researched the bank of america mortgage balance at the time of settlement i XXXX. IT HAS BEEN TOO LONG, THEY HAVE DROVE US SICK

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