Consumer complaint received 2016-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Continued lacking good faith and fair business dealings ; Wrong figures made up that inflated loan payments and ability to repay based on fraud at origination by Countrywide 's " unconscionable '' loan. Figures have been wrongly accrued. Charges of {$23000.00} per month ; This has been a continued pattern of disallowing any performance. That after waiting 10 years ; have been informed that excuse " why can not rewrite '' according to years of promises to have a 2 % loan term ; and rewrites according to the lawsuits by the Regulators then informed no ca n't assist for it 's not a conventional loan. This was never a conventional loan. This was an unconscionable loan set up borrower entirely to lose all her equity by intentional set up to fail by faulty loans. Further fraud found : See attached Letter/s. Fraudulent claims made that Investor would not allow any terms. Investor is stating they are Not the Investor : This is a confusing convoluted mess. Causing harm on many levels as many loans were trusted and originated at the same month ; same every thing by Countrywide this caused all loans to increase in XXXX ' CW stated upon default would rectify ; many lawsuits promised better outcomes ; none ever panned out only further harm to borrower 's entire life being affected. Every day requirements by mass servicer 's from XXXX loans equalling XXXX " Different parties to deal with '' on daily basis causing massive abuses. BOA sent off files to sub part servicer 's who are very aggressive and breaking laws and trespassing and breaking into borrower 's properties ; interfering with the business ; and her property rights ; causing damages exceeding {$65000.00} in water damages caused ; admitted to breaking in/and claims dual roles ; acting as owner/and then admitting they are not - then recording legal documents that are deceptive and contain fraud ; Fake Assignments and false roles ; false and fake notaries ; and if raised concerns ; major abuse and retaliations that include sending men to intimidate homeowner and her family - causing Police reports ; and hospitalizations for acute stress. This has to stop. BOA is making representations and selling : Loans and Deeds to opposite persons ; This is becoming massively abusive ; since XXXX loans bring massive confusion it seems intentional as met with abuses when details are brought to the regulatory agencies. XXXX XXXX XXXX was a firm hired to answer concerns ; this firm did not answer and instead found to hold " Altered Notes '' versions that conclude a wrong party holding wrong version - when expressed this firm created New Versions again ; and has omitted evidence that shows contrary outcomes including interfered with facts surrounding an HBOR violation for which occurred 3 separate events. Including there is a sudden Sale Date that was posted before being recorded ; and Posted when written proof of 'alternative '' offers and then Bank of America dropped borrower to a new servicer ; then took back the file - this dropped all her good efforts and caused new abuses of servicing ; This has occurred 3 X. There is evidence that she was in a review prior/and again XXXX XXXX XXXX produced a letter ; and concealed evidence that showed facts. See the letters dated : XXXX XXXX XXXX ' XXXX XXXX XXXX and XXXX XXXX ' -- This was never admitted ; and now again ; a new path of dropping me by dual servicing roles ; then no actual follow through from Bank of America or the XXXX XXXX that was going to be used ; then reverses back and all efforts were lost and HBOR VIOLATED AGAIN. This just occurred and this faulty Notice of sale was posted inadvertently. If a WQR written or a Notice of Error it will be met with XXXX XXXX XXXX stating they " already answered '' this is the blank excuse. This was and new details of which have not and were never addressed. Please see that this is causing massive migraines ; and stress ; losing property rights ; and daily interferences

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