Consumer complaint received 2017-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has never addressed the Appeals Department XXXX XXXX, XXXX Appeal Report and the omissions and misrepresentations made related to a mortgage, Deed of Trust, and real property. 

Bank of America admits XXXX XXXX, the CRM/SPOC between XXXX XXXX and XXXX XXXX, who is barred from making determinations on appeals as a matter of law, issued the MHA HAMP denials on appeal through XXXX XXXX, XXXX through XXXX XXXX, XXXX while and concurrently the Bank of America Appeals Department Appeals Specialist XXXX XXXX issued the XXXX XXXX, XXXX Appeal Report granting MHA HAMP and MHA HAMP TPP by directing, and I quote, " Forward To Trial Plan. '' Therefore, until a written determination is issued to me by the Appeals Department based on the XXXX XXXX, XXXX Appeal Report, or a MHA HAMP TPP is offered to me based on the XXXX XXXX, XXXX Appeal Report, the modification process is pending to date. Bank of America and XXXX have not provided any documentation to support their claims of full compliance with the applicable rules during the loss mitigation processes to date in response to the XXXX CFPB complaints to date. It is to be noted that before and at the time of sale there were about XXXX ( XXXX ) open escalated cases Bank of America and their representatives, employees, and third party agents chose to leave unresolved by not providing responses nor resolutions prior to the date of sale as they refused to follow the rules and call a halt to foreclosure processes until resolution of escalated cases may be had thereby avoiding any undue and further hardships and losses for those involved. 

On XXXX XXXX, XXXX Bank of America indicated they are not in contact with the XXXX ( XXXX ). This also indicates Bank of America and XXXX XXXX XXXX XXXX ( XXXX ) are choosing not to offer supporting testimony on behalf of the XXXX in California XXXX Court when they file suit to gain possession or title of the subject property confirming all applicable rules ( laws, regulations, Consent Judgements or Agreements, and guidelines ) have been complied with including, but not limited to dual tracking violations have not occurred, allowing for the recording of the Notice of Default, the Notice of Trustee 's Sale, and the Trustee 's Sale at public auction to the highest bidder. 

XXXX make bids and purchases at Trustee 's Sales without recourse, warranty, or guarantee. This means when the bank or Trustee can not convey title to the XXXX upon sale, or when the sale is reversed upon a court order, the bank, servicer, investor, or Trustee suffers no liability whatsoever while the XXXX and the borrower, or property owner and possessor suffer financial, personal, and emotional losses and more. Why is it and how can it be the bank, servicer, or Trustee can break the rules and not incur any losses as a matter of law? How has the financial and banking industries managed to skew the law and regulations in their favor so as to create an environment where they may operate without fault or harm to themselves while causing harm, disruption, and havoc on so many others, both individuals and industries alike? Why is this? How can this be? 

Bank of America has failed to explain why it is they chose not to make a settlement offer in response to the rejection of the offer to settle for their wrong doing of XXXX XXXX, but chose to respond with a NOD instead. Bank of America has gone from offering me my property to selling it right out from under me - a classic XXXX move - without explanation. 

All previously mentioned resolutions are desired and mandatory.

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