Consumer complaint received 2019-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I congratulate CFBP to send the complain-XXXX made on XX/XX/XXXX to BAC, however the most important tool any defendant or accuser can have, is to prove of their point. To admit the BAC response meets the requirements of legal facts to prove it is another point. 
I congratulate Mr. XXXX at BAC regulations office to try to explain her findings. A letter of complaints to you and I said at least to respond to the RESPAS, the facts were/are questionable too. 
I send Again, 1 ) First Error and biggest mistake.- The correction and the error was not admitted so the 9 RESPA 'S sent WAS NOT ANSWERED. BAC did not correct the error- mistake and give erroneous answer to that petition. 
2 ) Second Error- To assume in their part the error can not be proven. I have written paperwork to respond and to prove the XX/XX/XXXX taxes were not delinquent. The creation of the letter you sent to me of XX/XX/XXXX is strange since it has never brought it up in court. Since I am skeptical maybe you have a way how to prove to me it was sent to me since I never received. I will explain with facts : The guidelines of each State are done in their own Treasury Departments.  Anyone can find at Illinois at XXXX : XXXX a ) The ( mine ) check was paid in person in the XXXX County Office of XXXX XXXX and posted on XX/XX/XXXX. Acct # XXXX ( It changes the amount owe to BAC ) b ) The deadline is after XX/XX/XXXX. 
c ) BAC " computer generated check '' is what they need to justify for XX/XX/XXXX when I applied for the refinance and since the loan " taxes were not delinquent '' neither it was their duty to intervene until XX/XX/XXXX " if '' I was not in compliance. What is delinquent for you Ms. XXXX? I attached my loan history and I was never, neither with the taxes or my payments. According to the law passed on May 12, 2009 H.R. 1728 your bank has a lot to explain. Since violations were made. 
c ) My loan was an ARM and " taxes and insurances was my duty ''.

d ) I was in compliance.

3 ) Third Error- ( Few extra errors in your response? or deceptive practices? ) BAC assures and I quote " to the concerns pertaining to a refinance attempts from XX/XX/XXXX to XX/XX/XXXX, our records indicates we have no record of any attempt to refinance with a formal application for credit '' a ) Meaning of Formal? 
b ) The package sent by XXXX XXXX or XXXX from BAC to me and faxed to you on XX/XX/XXXX with confirmation by XXXX ( with a fax cover sheet including 11 pages ) disappears? 
b ) No attempt was made? I attached the exchange. 
c ) According to my several Respa 's sent during this 8 years with several certified mail and requesting " this specific error committed on XX/XX/XXXX ''. 
I can assure records do exist, I am sending proof of many elements of this refinance ( it existed ) exchange emails including the loan officer name, the other contacts, the dates and the responses in writing I kept since the last email was sent to me XX/XX/XXXX. I requested from my carrier XXXX and they were sent to me. 
4 ) Four error.- BAC and Ms. XXXX XXXX position with that statement of no attempt is " the appraisal did not exist ''. I have proof of the date, the email sent to me with the appraisal by BAC and the withdraw payment. I attached the payment and email of the package. 
a ) On XX/XX/XXXX with check card XXXX made to BoFa NA Home Loan confirmation number XXXX by homeowners account, not accountable to BAC. 
b ) Can she explain if it is errors? Or fraud? or if it did not exist? I suggest you give order to your insurance to contact me for either one.

c ) or any other legal explication that satisfy the fact or attempt? How the posted money disappeared? 
5 ) Fifth error- The insurance payment for {$830.00} made by BAC on XX/XX/XXXX was another mistake done by their computer. It was a Forced place Insurance, which also changed the numbers in the amount you alleged I owe. You wanted to justify with the word delinquency? it is a charge in your column in many statements your bank gave me of this payment made by you after mine was previously done ... Can you explain it please? I attached my emails and proof. 
a ) I was registered with XXXX XXXX had a set up Alarm for due days. 
b ) XXXX XXXX sent me a notification/reminder on XX/XX/XXXX of a coming debt. 
c ) XXXX XXXX was paid by homeowner on XX/XX/XXXX with a confirmation XXXX. 
6 ) Sixth error- Was any attempt to help me with a loan modification? can you explain me a letter generated by your bank dated XX/XX/XXXX which I did not understand but I kept it since everything that belongs to BAC was and is important to me and talks about a loan modification? I know that program did not applied to me since I paid always on time and I have several prints, but only two months previous to these errors in XX/XX/XXXX I sent XXXX dollars extra, in my payment. Can you review it if you received payment? I attached the copies of RESPAS sent. 
a ) Can you see it in your computer Mrs XXXX? 
b ) Was the letter of loan modification the cause of a computer error? Dual programs and no one saw it even when in XXXX I spoke to different people and requested to fix it? 
I think several Federal laws were violated and you need deeper investigation of this. I am providing the agency with proof BAC is not telling the truth and not obeying your guidelines. Your Respas to protect the consumer were disobeying blindly. I have date and certify numbers of each written request to correct the error ( well, they were so many ) but the one who count is the breach of contract since they made irresponsible error by their computer which ended in the XXXX of my former partner. 
If you read my complain I was very specific about XX/XX/XXXX, XX/XX/XXXX, and everything that happen until XX/XX/XXXX CFPB has the duty to protect the homeowner who by errors and negligence was put in to foreclosure.