Consumer complaint received 2016-12-20
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 assessing principal and interest on this home loan mortgage account since it 's delinquency. Bank of America has also charged me principal and interest according to the Notice of Default ( NOD ) and Notice of Trustee Sale ( NTS ). However, I have not been issued any XXXX and XXXX for the tax years of XXXX, XXXX, XXXX, XXXX, and XXXX. I am unable to file accurate and complete tax returns without the required and supporting documentation that, as a matter of law, are to be provided not later than XXXX XXXX of the following year. Also, I have not been provided any information as to what has happened to the interest assessed and charged to me and this account. Did Bank of America take the the tax credit? Did XXXX XXXX XXXX XXXX ( XXXX ) take the tax credit? Or, will any buyer of the mortgage debt through Trustee Sale at auction take the tax credit included in the purchase price? 

1 ) Intentional infliction of emotional disstress. 

2 ) Negligent infliction of extreme emotional disstress. 

3 ) Fraudulent infliction of gross emotional disstress and stress. 

4 ) Intentional misrepresentation on a mortgage or Deed of Trust. 

5 ) Negligent misrepresentation on a mortgage or Deed of Trust. 

6 ) Fraudulent misrepresentation on a mortgage or Deed of Trust. 

7 ) Unfair, poor and deceptive practices. 

8 ) Mortgage negligence. 

9 ) Mortgage fraud. 

10 ) Modification negligence. 

11 ) Modification fraud. 

12 ) Foreclosure negligence. 

13 ) Foreclosure fraud. 

14 ) California 's XXXX XXXX XXXX XXXX Claim. 

15 ) Privacy Act. 

16 ) Racketeer Influenced Corrupt Organizations ( RICO ) Act. 

17 ) Real Estate Settlement Procedures Act ( RESPA ( enforced by Regulation X ) ). 

18 ) Truth In Lending Act ( TILA ( enforced by Regulation Z ) XXXX. 

19 ) National Mortgage Settlement ( NMS ). 

20 ) California XXXX ( XXXX ). 

21 ) California XXXX. 

22 ) Title XXXX United States XXXX XXXX XXXX - Emergency Mortgage Relief. 

23 ) XXXX including, but not limited to, 24 ) XXXX XXXX XXXX XXXX. 

25 ) XXXX XXXX. 

26 ) Fair Debt Collection Practices Act ( FDCPA ). 

27 ) Dodd-Frank Wall Street Reform and Consumer Protection Act. 

28 ) State Tax Evasion. 

29 ) Federal Tax Evasion. 

30 ) Withholding of accurate and complete tax related documents. 

I am not trying to stop Bank of America XXXX Bank of America has to stop themselves. 

All previously mentioned resolutions are desired including all statutory, exemplary, and punitive damages plus an addtional ten percent and an immediate reimbursement of all amounts applied to this mortgage account at a quarterly 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, Bank of America must also repay the tax payers all amounts associated with this account. This includes, but is not limited to, XXXX, XXXX, XXXX funds since XXXX. 

Damages are calculated as follows*/** : STATUTORY : Median Home Value ( MHV ), or all amounts ever accessed on or associated with the real property, home loan mortgage account, and personal property of at least {$300000.00} or actual value, whichever is greater. Pets and livestock are an additional {$50000.00} each, plus ; EXEMPLARY : Three times statutory damages, plus ; PUNITIVE : The statutory and exemplary damages for each 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. 

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

I did not default on Bank of America XXXX Bank of America defaulted on 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