Consumer complaint received 2016-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have reviewed every piece of correspondence provided to me issued by Bank of America since XXXX XXXX and no where do I find any statements addressing to the issues that may be litigated in California Superior Court. 
In addition to the issues raised in the XXXX XXXX, XXXX CFPB Complaint, the below matters have also been left unaddressed and unresponded to. 
The who ( which Bank of America Department and/or representative, including the title and duties of position as a Bank of America representative ), the when, and the why of the decision made by Bank of America not to provide me the Bank of America Appeals Department determination on appeal in writing of both the XXXX XXXX Appeals Report and the XXXX XXXX Appeals Report. 
The who, when, and why of the Bank of America decision to have the Bank of America Underwriting Department provide me knowingly false information releted to the Bank of America Appeals Department Appeals Reports and represent to me incorrect home loan mortgage account status, MHA HAMP and MHA HAMP TPP status. 
The who, when, and why Bank of America, through their representatives, were allowed to state in writing what amounts to multiple admissions of violations of applicable laws, regulations and guidelines including, but not limited to, the lack of knowledge and compliance of specific requirements agreed to under the Bank of America and the Department of Justice and States Attorney General related to and raising from the mortgage crisis and disstressed borrowers. 
The who, when, an why of the Bank of America decision to cause the Cease and Desist Code to be placed on this home loan mortgage account. Also, the who, when, and why Bank of America caused the Cease and Desist Code was removed from this home loan mortgage account. 
The who, when, and why of the Bank of America decision to initiate the foreclosure process when every Bank of America representative regardless of capacity, duties and responsibilities, who accessed my home loan mortgage account to conduct a review, make a determination, or to create and destroy account documents and documentation of the account, records, history, and prior determinations knew the true and correct status of this home loan mortgage account and the prior actions and decisions made on the account during and throughout the modification process ( as required by the various laws, regulations and guidelines ). 
Again, while Bank of America has provided written responses to prior CFPB Complaints, not a one actually addresses their actions and issues that arise from those actions on the part of Bank of America. I sincerely hope that Bank of America decides to make a good faith effort to address and resolve my long standing and on-going concerns this time around in my effort to avoid civil litigation and keep my home rather than continue on as they have been throughout the modification, loss mitigation, and workout processes as they relate to this home loan mortgage account and disstressed borrower. 
I did n't default on Bank of America , 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