Consumer complaint received 2015-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
In or about XX/XX/XXXX, my family notified Countrywide/Bank of America that I was the XXXX and that I was hospitalized with a XXXX. 

Soon after learning of my XXXX, Countrywide/Bank of America began using foreclosure to mislead, harass, intimidate me. Bank of America 's misleading, harassing, intimidating and unlawful statements, practices and actions continue to this day. 

Since XX/XX/XXXX, I have received a number of loan-related communications from Bank of America, including letters, statements, and door hangers. 

A reasonable review of Bank of America 's recent communications shows and establishes that Bank of America continues to knowingly and intentionally use the threat of foreclosure to mislead and coerce me into making a payment or entering into a modified loan agreement. 

Just yesterday, XX/XX/XXXX, a Bank of America employee told me that " your account is in foreclosure, but a sale date has not been set ''. That statement is a misstatement and misrepresentation of both law and fact. Such statement is not only false, but it is fraudulent and in violation of state and federal laws. 

In response to Bank of America 's claim, I again informed the employee of the fact that Bank of America 's alleged right to is barred by Colorado 's statute of limitations. 

Over the past six years, Bank of America wrongful and unlawful statements, practices and acts have caused personal, professional and financial damage to me, including harm to my health, safety and welfare. 

For your information, below is the substance of a recent email that I sent to XXXX XXXX XXXX, Senior Vice President, Corporate Communications, Bank of America. 

On XX/XX/XXXX, I wrote the following : Dear XXXX, I directed a simple request to you more than two months ago. 

As Senior Vice President, Corporate Communications, I am providing you with the following information : If Bank of America takes any action related to my real property, I will immediately request relief and damages in state or federal court ; If Bank of America takes any action related to my real property, I will immediately call on state and federal legislators, regulators and executives to aggressively enforce existing laws and agreements ; andIf Bank of America takes any action related to my real property, I will immediately call on lawmakers, executives, agencies and other organizations to support state and federal legislation to stop Bank of America actions and practices. 

As you should know, a growing number of state and federal lawmakers, candidates for office, news outlets and social media have an interest in discussing the " underbelly '' of the financial markets, including debt collectors like Bank of America Home Loans. I am committed to encouraging and shaping such discussions. 

In or about XX/XX/XXXX, my family notified your employer that I was hospitalized with a severe, traumatic-brain injury. With that knowledge, your representatives and your fellow employees seized on a financial opportunity to mislead, harass and intimidate me and my family. Based on that Bank of America " customer '' experience, I suspect that our service men and women needing wheelchairs or prosthetics will be banned from the XX/XX/XXXX XXXX XXXX. 

XXXX, in short, please tell your Chairman & Chief Executive Officer to stop misstating facts ; stop misstating laws ; and stop mistreating the cognitively XXXX. 

As an advisor to many state and national leaders, I say " shame on XXXX, his senior executives and Bank of America shareholders ''. 

With great disappointment, I amSincerely, XXXX XXXX conclusion, my personal experience shows and establishes that Bank of America continues to knowingly and intentionally act in violation of state and federal law, consent orders and settlement agreements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed