Consumer complaint received 2022-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It began in early XXXX of this year that XXXX XXXX XXXX XXXX XXXX threatened me to pay {$120000.00} plus late fees, accumulated interests, and unpaid principal balance up to {$180000.00}. I was shocked that I didn't owe the money. I was freaking out, and nightmares tormented me. I have had countless sleepless nights because of the hopelessness of getting help from anywhere, including the XXXX XXXX XXXX XXXX Attorney 's Office that has been investigating the case. I reported the complaint to FBI website TIPS.GOV and IC3.GOV. There was no response. 

My colleague told me to check with the XXXX XXXX XXXX if anything is there. Then I found out a {$90000.00} lien filed on XXXX against my property. Assignment of Deed of Trust ( Order # XXXX, Min # XXXX, XXXX  phone # XXXX ) Countrywide XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX f/k/a XXXX XXXX XXXX XXXX XXXX as XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all its right, title, and interest under that certain Deed of Trust dated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, as nominee for Countrywide XXXX XXXX XXXX XXXX, its successors and assigns : XXXX XXXX, Assistant Vice President. This Assignment of Deed of Trust is forged with false information as I was an unmarried man, and the property was built on XXXX # XXXX. I was married in the original purchasing documents. The correct Lot # XXXX is the right one. 

On XX/XX/XXXX, XXXX XXXXXXXX XXXX  XXXX, on behalf of XXXX XXXX XXXX XXXX XXXX, sent me a Notice of Default and Election to Sell under Deed of Trust without court action. That was a real panicking moment I ever encountered, especially when I was innocent. 

The second forged document is the Deed of Trust and Assignment of Rents ( Min # XXXX ) dated XX/XX/XXXX, with the loan # XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It contained false information as I am an unmarried man and Lot # XXXX. The conspirator is XXXX XXXX XXXX XXXX ( XXXX # XXXX ). 

The third forged document is Modification Agreement to Home Equity Line of Credit Agreement and Disclosure Statement, Account # XXXX, for {$180000.00}, dated XX/XX/XXXX, Countrywide XXXX XXXX XXXX XXXX, XXXX XXXX, Vice President, signed in front of XXXX XXXX XXXX XXXX XXXX XXXX # [ not provided ] ). This forged document was also signed before Notary Public, another conspirator, XXXX XXXX XXXX, ( Comm. # XXXX ), dated XX/XX/XXXX. 

The 10 % required payment for the deposit of the total home price was not mentioned anywhere on the paperwork, including the {$20000.00} cashier check that I paid and many personal checks with smaller amounts for the entire deposit. 

The original document Deed of Trust and Assignment of Rents, Account # XXXX, dated XX/XX/XXXX, as a second loan for {$34000.00}, with correct information that I was a married man, and Lot # XXXX. 
It was converted into HELOC  Account # XXXX without my knowledge and consent for {$90000.00} and {$180000.00} one year later. 

Finally, I feel a little better that I am starting to see the light at the end of the tunnel when the Bank of America Mortgage XXXX XXXX XXXX is acknowledging that the forged loan documents occurred based on a letter dated XX/XX/XXXX, with a case # XXXX, loan # XXXX. I want to be relieved of financial obligations if anything is found to be liable for the second loan with Account # XXXX for {$34000.00} due to the fraud, which has had a detrimental effect on my ability to pay it off accordingly or refinance for a cheaper interest rate, including the primary mortgage loan. 
Thank you, XXXX XXXX

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