Consumer complaint received 2016-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has been maliciously reporting oppressive and negative credit information to credit reporting agencies regarding my credit worthiness thereby effecting my credit score, rating, and ability to secure credit. 
Bank of America has intentionslly failed to complete the modification process that began XX/XX/XXXX. While I have been stonewalled with various park and stall tactics, Bank of America has simultaneously boubled-down with their efforts to have me become ineligible for modification assistance by claiming property abandonment, repeated attempts to have me reapply for mortgage assistance after approval for modification, and strongly encouraging bankruptcy filing. 
I have been and remain in residence of the subject property. I have made made clear and known I own the property by way of adverse possession. 
In accordance with California law, since the recording of the Notice of Trustee Sale of XX/XX/XXXX, I am entitled to statutory, exemplary, and punitive damages of a minimum of {$450000.00} plus associated legal fees and costs. 

XXXX ) Malicious credit reporting. 

XXXX ) Dual Tracking. 

XXXX ) Stonewalling ( park and start tactics and practices ). 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory, including credit reporting repair and corrections, all statutory, exemplary, and punitive damages plus an addtional ten percent and an immediate reimbursement of all amounts applied and assessed to this mortgage account at a compounded daily interest rate of ten 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 ( sold at auction amount, mortgage values to include both principal and interest, and rents ), 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 followsXX/XX/XXXX : STATUTORY : {$50000.00} for every household member, mesne profits, plus Median Property Value ( MPV ) and all amounts ever assessed on or associated with the real property and home loan mortgage account, personal property of at least {$300000.00} or actual value, whichever is greater, and all litigation costs. Household pets and livestock are an additional {$50000.00} each, plus ; EXEMPLARY : Payment of all property taxes and insurances for a minimum of fifty ( 50 ) years and three ( 3 ) times statutory damages, plus ; PUNITIVE : The statutory and exemplary damages for each instance of every cause of action listed, plus an additional 10 % of the total monetary damages ( statutory, exemplary, and punitive ). 

*Death claims are an additional trebling of calculated total damages for each instance. 

**XXXX and XXXX persons are entitled to any additional damages allowed by law for each eligible household member. 

***Next of kin may bring a private right of action provided there is first hand knowledge and next of kin status can be proven. First hand knowledge is assumed if next of kin was a member of the household. 

I did not default on Bank of America. 

Bank of America defaulted on me! 

Bank of America must stop themselves from defaulting on consumers of mortgage related products and services.

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