Consumer complaint received 2016-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has continually violated my constitutional and civil rights afforded by both the State of California and the United States of America, the federal government. 
Bank of America has incorrectly denied me a XXXX Modification Program and the California XXXX Unemployment Assistance. When these errors were made known to Bank of America, they did not correct them. In fact, Bank of America and their employees, representatives, and agents intentionally worked to circumvent the laws of the State of California and the federal government by, in part, destroying documents, creating false documentation, misrepresenting documents, and straight up and out lying about the status of my account. 
For example, on XXXX XXXX, XXXX, XXXX XXXX, a customer relationship manager supervising manager and single point of contact, represented to me the Bank of America XXXX XXXX, XXXX correspondence issued by the assigned single point of contact was, in fact, a determination on appeal made after the Appeals Department completed their review of the account records on XXXX XXXX, XXXX. This representation is untrue as the Appeal Report of XXXX XXXX, XXXX granted the XXXX Modification Program. However, to date, no modification based on the Appeals Department determination was ever offered. 
66 ) XXXX XXXX XXXX XXXX XXXX of XXXX, as amended. 
67 ) The XXXX. 
68 ) California XXXX XXXX and XXXX XXXX. 
69 ) California XXXX XXXX XXXX XXXX. 
70 ) California XXXX. 
At the time of loan origination and all times since I have been a XXXX person. 
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 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, 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 : {$50000.00}, plus Median Property Value ( MPV ) and all amounts ever accessed 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. 
**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! 
I did not default on Bank of America XXXX Bank of America defaulted on me! Bank of America must stop themselves from defaulting on other consumers of financial mortgage 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