Consumer complaint received 2016-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX Bank of America directed at least XXXX of their third party agents to contact me via email to solicit a reapplication for XXXX Programs. This contact is harassing contact in scope and nature as well as an unfair, poor and deceptive practice. 
I have a long standing election prohibiting third party contact and email communications as evidenced wiithin the Bank of America borrowers Home Loan Modification Status iportal. Once again Bank of America continues to ignore stated requirements regarding the handling of my private, personal, and financial information including, but not limited to, my private email address. 
After making representations of receipt of multiple requests for mortgage assistance XXXX Bank of America has made yet another solicitation for another reapplication of XXXX through third party agents. This solicitation is not only negligent on the part of Bank of America, it is fraudulent as a reapplication request for mortgage assistance after I have already been granted XXXX Modification Program XXXX XXXX XXXX more than three ( 3 ) years prior would restart the loss mitigation process that began more than four ( 4 ) years ago and is still pending and incomplete to date as a matter of law. Furthermore, Bank of America complains about multiple and incomplete XXXX submitted resulting in denial of XXXX XXXX, but continues to solicit additional XXXX when I have made clear I have no intention of restarting the application process for mortgage assistance as this would make moot any and all previous granting on appeal of a XXXX XXXX and XXXX XXXX trial payment plan ( TPP ). 
Just to be clear, a reapplication request for mortgage assistance is XXXX of XXXX ways an approved, qualified, and eligible borrower can be made ineligible for the requested mortgage assistance. Therefore, Bank of America is engaging in unfair, poor and deceptive practices and tactics meant to coerce, threaten, bribe, intimidate, and instill the fear of homelessness or worse. Bank of America refuses to deal with me in good faith, with honesty, and within the limits of the law including, but no limited to, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the California XXXX of the California XXXX XXXX XXXX XXXX through XXXX, and the California XXXX. 
On XXXX XXXX, XXXX I contacted the single point of contact ( SPOC ) and informed the currently assigned customer relationship manager ( XXXX ) that no third party contact and email communications are to be made and to refrain from such in the future in accordance with the long standing elections present on this home loan mortgage account unassociated with the Notice of Default ( NOD ) per the Bank of America XXXX XXXX, XXXX representations including, but not limited to, there is no principal balance related to the XXXX Deed of Trust. 
Bank of America, having consistently employed harassing and threatening tactics throughout the loss mitigation processes have made evident the crossing of the line into the land of racketeering business enterprise dealings and relationships with bribery and fraud. It has already been determined Bank of America distributed gift cards to their employees, representatives and third party agents who engaged in fraudulent activities during loss mitigation processes including, but not limited to, modification and foreclosure processes. 
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