Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The funds in that accounts they closed belong to be and all equal about $ XXXX belong to me and no one else, this is why I had contacted XXXX for addtional help. The company that wired the funds on XX/XX/XXXX did contact B of A to unfreeze the account after speaking to me. 


BANK OF AMERICA SENT ME A LETTER STATING THAT THEY WILL NOT SEND ME MY FUNDS. 


I purchased a house from a lady and for many years I had been receiving emails and letters from Attorney XXXX XXXX since XX/XX/XXXX after I purchased his girlfriend 's friend 's home ( XXXX XXXX ) located at XXXX Deloise AveCerritos, CA XXXX I purchased the home as a Seller Finance/wrap around mortgage because at the time I only qualified for $ XXXX and she convinced me that it was best she stood on the loan and that she would help me. We agreed to a high Sales price of {$800000.00} ( close of escrow was XX/XX/XXXX ). The home was only appraised for $ XXXX at the time and an interest rate of 5.99 % which was high considering it was the coronavirus era. I paid the Seller her down payment of {$32000.00} as well as {$4600.00} a month mortgage and property taxes $ XXXX and hazard insurance $ XXXX. Since buying the home, XXXX XXXX ( her family attorney ) had sent me threatening letters telling me he will foreclose on me ( 1 month after buying the home because I told her tenants that were living there that I bought it when I was supposed to keep it a secret. She still had the home listed after I bought it trying to sell it to other people. I was scared so I recorded the deed when she asked me to wait 6 months to record it. I felt something very off about her business practices. XXXX XXXX threatened foreclosure the first year of buying it when I had proof of all payments being made on time as well as bank statements to show for it. Many times he didnt want to accept the proof I was showing and wrote me disgusting and hateful emails harassing me. 



On XX/XX/XXXX, XXXX XXXX sent his girlfriend with whom he lives with in XXXX XXXX, XXXX XXXX to my home and she walked into the home at XXXX at night with XXXX XXXX XXXX the previous owner ) and started yelling at the tenants ( they had tenants they rented to when they sold the home to me ) and told them that they still own the home and that they need to continue to make their rent payments to XXXX XXXX not me-but all this was untrue as i technically owned the home at that point. XXXX XXXX owed them their security deposit and didnt want to give it back. I was truly scared because I was putting my 9 month old baby to sleep and I heard the renters yelling at her saying that she is a fraud because she just rented to them a week ago and then sold the house ( our deal took a few weeks to close so she shouldn't have done that ). The tenants even recorded this conversation so I have the recording saved. I then called the police for walking in unannounced at XXXX ( you dont buy a Home and the previous owner still comes in at night unannounced ), the police asked them to leave and we changed the locks the next day. Then again, XXXX XXXX showed up to my home for no reason on XX/XX/XXXX and stood outside from XXXX and took notes of who was coming in and out of the home and then he took pictures of all of the cars outside and was watching us looking into our windows from the outside. A week after, The water company showed up to the house and was outside turning my water off. I opened the door around XXXX to check the mail and there was a man outside that was shocked to see me. He yelled about XXXX feet away and asked XXXX XXXX, this house isnt empty? I got a call from the owner saying its empty. I told him no, I just bought the house. He then told me he would turn the water back on as the water company is not allowed to turn the water off if someone is living in the home. 



After 6 months of buying the home, XXXX XXXX threatened me saying I had to sell it back to the previous owner since the purchase contract states there's a potential buy back but it would had to be extended if its after 6 months. He e-mailed a check written by his girlfriend in my name in the amount of {$42000.00} on XXXX ( 3 days before the buy back contract expires ). I sent them contracts to see if they can perform on time but they finally gave me a XXXX  officers name on XXXX so I contacted XXXX and they said they can not close escrow in 1 day since they are closed on Saturday/Sunday. It is evident that XXXX XXXX and XXXX XXXX ( whom his girlfriend and him are linked to an investment to this property ) saw that after I bought the house is XX/XX/XXXX saw that the real estate market went up and most likely had a change of XXXX about their sales price of {$800000.00} ( when again the home was only worth about $ XXXX in XXXX ). They became greedy trying to take advantage and its obvious that they tried to change their sales price to $ XXXX when you see the complaint as they finally filed a lawsuit but nothing happened as the attorney yelled at XXXX XXXX in court and he quit while she still owes him $ XXXX. If they wanted to buy back, they needed to close within the 6 month timeframe or at least have some money ( $ XXXX buy back price ) deposited into the escrow account. I asked to receive the money or some type of proof delisted to escrow but when I called escrow they had nothing and said I would take XXXX dates to close the transaction. I gave the attorney XXXX document ( provided proof of email thread ) to close fast out of escrow as they had 3 days ( a weekend ) but they did NOT perform and said theyd only do the transaction this time with an escrow company which was interesting because we never used an escrow company the first time around. 



I cooperated with them on the buy-back sale and gave proof of XXXX documents that I supplied them with to sign for in order to close escrow within the 3 days remaining. They declined to close the sale on time and wanted to close this time with escrow ( the first time we closed without an escrow company. 



In addition, 2 days after purchasing the home from XXXX XXXX, she was still showing the property to potential buyers and telling me that I can not record on the property until 6 months later. She wanted me to refinance the mortgage thats under her name with her but as long as she stays the lien holder which is illegal in the state of California and no loan officer will agree to this. I asked her to stop showing the house and to please take it off XXXX as it had sold and she refused. I had to contact XXXX and show them the purchase contract and deed recorded for them to remove the listing. 



I recorded the deed to protect my asset which was my {$32000.00} down payment, $ XXXX sales price when the home only was worth $ XXXX, a mortgage or {$4600.00}, {$670.00} in monthly property taxes, {$47.00} hazard insurance ; and an interest rate or XXXX  % not including homeowners insurance. 



She also interfered with me refinancing and would not sign the release form to get a payout from the XXXX. She wants $ XXXX or more in her pocket but doesnt understand that XXXX XXXX XXXX has to get approximately $ XXXX from the XXXX. The $ XXXX that shes requesting doesnt go to her directly, it is minus $ XXXX. 



I decided to let her have the home back, escrow contacted her and she told them I no longer want it and if she buys it back its now $ XXXX minus legal fees and property depreciation as well as furniture fees plus gardening. That she never did. 



Thus all of this had led to a lis pendens she filed because it was in escrow. She doesnt want the property she wants around $ XXXX more in what we agreed to on the sales price in XX/XX/XXXX. She even sent me a payout demand for $ XXXX when I only owe approximately $ XXXX ( will attach ). 



All of this has resulted in XXXX XXXX and XXXX XXXX attempt to file litigation, then postpone litigation by falsely accusing me of being in foreclosure which is not the first time it has been since a few days of buying the home. When we were in court they decided to cancel everything and withdraw the lawsuit because they did not want a XXXX XXXX and because she knew she would not win. 



As of XX/XX/XXXX the home was in escrow for $ XXXX and the buyer has their Earnest money deposit of {$26000.00} in escrow. I have spent {$16000.00} in home improvements upon buyers request such as replacing the air vents, the roof, and other minor repairs. Escrow was held up and couldn't close due to her not willing to sign the lien release and XXXX other documents.. Id like to file suit as it seems as theres no other option to sell and get the correct payout. 



Then I tried again to sell on XX/XX/XXXX, it was in escrow that day for $ XXXX with $ XXXX in credit for repairs to the buyer. And yet again, she was unwilling to sign the XXXX necessary papers escrow was asking her for. She hed up escrow for 2 months and said that she needs the money in her hands and then she will sign all the necessary documents needed. XXXX told her it doesnt work that way.She stated Wire me the $ XXXX and I will handle the rest of the paperwork after the money is in my bank account. It's apparent I have been dealing with someone not normal over the past few years. 



A demand letter was sent XX/XX/XXXX to XXXX XXXX to no avail. 



I was in a XXXX escrow for myself ( replacement home ) and they threatened to keep my earnest money deposit of {$27000.00} because I couldn't close on it as I needed a small amount of funds from the departing residence in order to have enough down payment. Thankfully I was still able to close on my home now, the lender adjusted my down payment. 



Then in XX/XX/XXXX, I am tired and I would love to sell this home because the whole situation is awful, evil, and toxic. But how can I sell it when she won't sign the lien release? 



I have made XXXX payments and I owed a [ proximately $ XXXX on my home. My last payment I made was XX/XX/XXXX. 



I also tried to refinance the home in XX/XX/XXXX with lender XXXX XXXX to get her off the loan and to have a clean title and she told the lender to ( excuse this language but ) XXXXXXXX XXXX  is what she told him, she was really evil and awful. 



She even sent a wrong " balloon payment '' to me less than a year from purchasing the home with the wrong amount owed. See attached. 



She even fraudulently tried to charge me for gardening fees when there was no gardener at the time and I hired my own. She is trying to charge me $ XXXX for XXXX furniture that I begged her to pick up and sent her a letter to pick it up in 30 days as well as other things we did not agree to such as interest fees, etc. 



She is unfortunately a criminal and most likely saw me as a young single mom, I dont typically have a victim mentally but when you see the attachments you will see why I feel targeted by her. I will attach everything I have as proof. I have XXXX Exhibits but I am only sending XXXX attachements so I do not burden you. I am so tired. So many people know of the situation and even the buyer 's agent on XXXX of the transactions said they are going to complain to the lender so I am not shocked that XXXX XXXX accelerated the loan and I sold MY house. She finally agreed and signed all paperwork in escrow because the lender called her out for all of her wrong doings and they threatened to criminalize her, I have this letter as well. I have been a target and a threat since I met her and bought my home in XX/XX/XXXX. This person is unethical and is not to be trusted. 



Please mail my money back to me in a form of a cashiers check. I have recorded XXXX conversation with Bank of America when I called and all reps certainly informed me that my checks