Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
This is a follow-up to other complaints filed against XXXX XXXX for deceptive and fraudulent business practices and contains new information. 

Because of years of confusion, being bounced around to numerous people with XXXX XXXX, fabricated statements they made by me and more, I will put the most critical information in this complaint which will hopefully be my last one. 

As a result of errors by Bank of America and violations found, my loan modification ( from a previously predatory negative hybrid loan ) took XXXX  years to be rejected or approved. The loan modification was approved and went into effect on XX/XX/XXXX. 
During that time, in XXXX, my home was destroyed XXXX XXXX XXXX. The money that was paid out on the XXXX  was enough to rebuild in XXXX and has been sitting in an escrow account with XXXX XXXX and or Bank of America since the XXXX. But because of violations, errors and delays, the work did not start until XXXX, immediately after the loan modification was approved. XXXX XXXX XXXX of dollars of arrearages were tacked on to my loan modification as a result of years of their own violations, errors and delays. I was not given any other option if I wanted to keep my property. 

After the XXXX  inspection occurred in XXXX, XXXX XXXX stated only 3 % of the work was done. My contractor and I knew this was an error, disputed it but XXXX XXXX was again delaying, stalling and not communicating. Years later they changed that amount of work done to 10 %. In another inspection that percentage of work was then adjusted to 15 % and then ultimately on an inspection done on XX/XX/XXXX, with the added and corrected information which included the asbestos removal which was omitted in previous reports, the amount of work that was recorded ( which had been done in XXXX ) was actually 30 %. That inspection report was signed by the inspector and the witness who acknowledged all of this information and saw the actual inspection report that XXXX XXXX has withheld. This correct percentage of work was enough money to release more rebuild money which should have been done in XXXX. Because this did not occur, I had to stop making payments as there was no certificate of occupancy and no permanent power on the property. 

In a response to the Department of Financial Protection and Innovation by XXXX XXXX in XXXX, they falsely stated that I did not agree with that 30 % report. They falsely stated I contacted their loss draft department and scheduled a new inspection that occurred on XX/XX/XXXX. This call and inspection never occurred. XXXX XXXX then falsified documents stating that an inspection occurred on XX/XX/XXXX bringing the amount of work done back down to 10 %. There are security cameras on the property and all inspections are done with a witness. There was no witness, there was no signed report and the security cameras showed no one on the property on that date. 

Because XXXX XXXX refused to provide the information requested about that alleged phone call and the signed inspection reports, in XXXX of XXXX I engaged an attorney to secure that information and those documents. XXXX XXXX bombarded my attorney with other documents that had nothing to do with what was requested including sending a decrypted email that had no valid wording on it the day before the last foreclosure sale date was scheduled for XX/XX/XXXX. My attorney sent an email advising of this and instructing them to not foreclose under these circumstances. My attorney was ignored and XXXX XXXX stated they proceeded with the Foreclosure auction. On XX/XX/XXXX, security cameras revealed people entering the locked gated property, climbing through the window of the studio which is occupied, rummaging through items and the mail and changing the locks on both the studio and the front gate. 

In the most recent communications to my attorney, XXXX XXXX stated the property is now bank owned and, over a year later, states that they are not required to provide the information we have requested and I have been requesting since last year. 

It is no secret that XXXX XXXX has a long reputation of deceptive and fraudulent business practices and this is among the worst. Another Law Firm asked if I would be willing to be the class action representative in one of the many lawsuits against XXXX XXXX and I did sign the retainer but after many discussions with the firm, discovered they do not handle individual matters which is why I retained another attorney to assist me. 

I trust this will finally be resolved and the fraud against me that has gone on for over 10 years will finally come to an end with restitution and a resolution making up for the damage done to my finances, my credit, my livelihood and my health.

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