Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Upon information and belief my mortgage was fraudulent, and it is taught in every law school that ( FRAUD CANCELS ALL CONTRACTS ) which is the law! 

I was paying my mortgage promptly in 2009 and about that time the last two mortgage payments I made was returned to me by BOA. I believe that they realized that their fraud was now out in the open so to make amends for their past sins against me they continued to pay my taxes and insurance but kept the title to my property illegally.

I did not realize that they were keeping the title illegally on my home and now they have presented me with a bill charging me years of taxes and insurance that they paid on my behalf. This is not my liability as I did not ask them to pay this.

I applied for and got homeowners insurance recently in the amount that was necessary which was. BOA claims that my insurance is much more when they buy insurance at wholesale levels which is far above what I paid.

Therefore, it should be determined that their illegal conduct on my mortgage and claims against my property should be terminated with no cost to me due to my age and physical condition. This should be done promptly so I can plan for whatever future I may have.

The harassment and elder abuse to me must end. I'm dealing with recovering from XXXX and XXXX among other ailments. Therefore Bank Of AmericaXXXX. XXXX must be compelled to turn over the clear title to me with no claims or off sets they should not benefit in any way to their fraud. No rewards for fraud!! 

Ive had this property for 30 years or more Ive maintained it and made several improvements including a new water tank, heating system, chimney, roof etc Im recovering from XXXX and at my age I will be 86 this year the recovery takes at least a year or more Im a XXXX veteran with additional claims pending such as XXXX ( see attached ) and other injuries due to my military service that are yet to be resolved My original mortgage was with Bank Of America ( see attached ) they were found guilty of fraud for over 8 billion dollars and as fraud cancels all contracts their claim mortgage is not valid nor can they sell or assign what they dont own. It appears that unbeknownst to me my property and I have been involved and participated without my knowledge. 
There are probably other material facts that should prevent foreclosure of my property since I am no longer employable. My only income is social security and XXXX veterans benefits, it would be proper for a foreclosure on my property to be cancelled and I should be able to live there peacefully and indefinitely. 
On ( include year of the checks ) I received the attached two checks in the mail which corresponded to my last two payments that I made, I brought the checks to the Bank Of America in XXXX and spoke to the manager, he asked for a few minutes to do the research and shortly after he told me my mortgage had been payed off.

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