Consumer complaint received 2025-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT BUT INVOLVING ILLEGAL ACTIVITY THAT WAS JUST DISCOVERED TODAY THROUGH INSPECTIONS AND THROUGH THE DEPARTMENT OF WATER AND POWER, MY UTILITY COMPANY. 

ON XX/XX/XXXX TWO INDIVIDUALS WERE SEEN ON MY SECURITY CAMERAS TAMPERING WITH THE FRONT GATE AT WHICH TIME THE POWER AND SECURITY CAMERAS WENT OFF. A NOTE WAS TAPED TO THE GATE SIGNED BY AN INDIVIDUAL NAMED XXXX XXXX STATING THEY WANTED ACCESS TO THE PROPERTY ON XX/XX/XXXX. WE DO NOT KNOW WHO THIS PERSON IS AND NEITHER BANK OF AMERICA, XXXX XXXX OR THEIR REALTOR, XXXX XXXX, ADVISED ME OR THE RENTER OF ANY INDIVIDUAL WE SHOULD BE DEALING WITH WHO HAS TAKEN POSSESSION OF THE PROPERTY. ALL ENTITIES ARE AWARE OF A RENTER WHO HAS BEEN ON THE PROPERTY FOR YEARS. 

AS THE RENTER WAS OUT OF TOWN, IT WASN'T DISCOVERED UNTIL TODAY, WHEN I HAD THE PROPERTY CHECKED, THAT THE REASON THE POWER WAS OFF WAS BECAUSE THE MAIN BREAKER PANEL SWITCH WAS STOLEN FROM THE METER TO THE BREAKER PANEL. I WAS THEN INFORMED BY AN AGENT WITH MY UTILITY COMPANY THAT THIS PERSON NAMED XXXX XXXX HAD BEEN " AGGRESSIVELY CALLING SINCE XX/XX/XXXX REQUESTING TO SHUT OFF THE POWER AT MY PROPERTY ''. AGAIN WHO IS THIS PERSON AND HOW DID HE HAVE INFORMATION IN XXXX OF THIS YEAR TO ATTEMPT TO SHUT POWER OFF ON MY PROPERTY UNLESS HE WAS INVOLVED IN SOME PREMEDITATED RACKET WITH BANK OF AMERICA, XXXX XXXX, ETC? IT WAS DISCOVERED TODAY THAT THIS INDIVIDUAL ACTUALLY DID HAVE THE POWER TRANSFERRED INTO THEIR NAME AND CLOSED MY ACCOUNT WITHOUT MY KNOWLEDGE, KNOWING THERE IS A RENTER IN THE STUDIO WHO WAS NEVER GIVEN PROPER NOTICE TO VACATE AND WE DON'T EVEN KNOW EXACTLY WHO THE NEW OWNER OR LANDLORD MAY BE AS THAT INFORMATION HAS BEEN WITHHELD BY XXXX XXXX, BANK OF AMERICA AND ALL ENTITIES CONNECTED TO THEM. 

CLEARLY BANK OF AMERICA, XXXX XXXX OR OTHER ENTITIES SUCH AS THEIR REALTOR, XXXX XXXX, ( ALSO SEEN ON SECURITY CAMERAS BREAKING INTO THE PROPERTY ON XX/XX/XXXX AND LOCKING OUT THE RENTER ) HAD PLANNED TO TRANSFER TITLE OF MY PROPERTY TO THIS INDIVIDUAL MONTHS BEFORE XXXX XXXX TRANSFERRED TITLE TO BANK OF AMERICA. IF I COULD NOT KEEP MY PROPERTY ( EVEN THOUGH THERE WERE OPEN INVESTIGATIONS AND AN ATTORNEY WHO SENT A DEMAND LETTER FOR DOCUMENTS TO BE PRODUCED THAT WERE NEVER PRODUCED ), I HAD A VERY REPUTABLE TOP LOCAL REALTOR READY TO SELL IT WITH INTERESTED PARTIES AND NEIGHBORS ACROSS THE STREET WHO'VE BEEN WANTING MY PROPERTY SINCE I PURCHASED IT WHO WERE READY TO PURCHASE IT. XXXX XXXX REFUSED TO ALLOW ME TO SELL MY PROPERTY ON MY OWN AND CLEARLY HAD THIS INDIVIDUAL SET UP MONTHS IN ADVANCE OR POSSIBLY YEARS WHEN THEY SUCCEEDED AT SEIZING MY PROPERTY THROUGH DECEPTIVE BUSINESS PRACTICES. 

AS PREVIOUSLY NOTED IN OTHER INVESTIGATIONS AND COMPLAINTS, BANK OF AMERICA HELD THE LOAN AND TRANSFERRED SERVICING IN XXXX AT WHICH TIME THEY STATED THEY RELINQUISHED ALL INTEREST IN THE LOAN SO WERE NOT RESPONSIBLE FOR THE ACTIONS OF XXXX XXXX. HOWEVER XXXX XXXX TRANSFERRED TITLE TO BANK OF AMERICA APPARENTLY ON XX/XX/XXXX. XXXX XXXX WAS FOUND FABRICATING AND ALTERING PERTINENT INSPECTION DOCUMENTS AND OTHER INFORMATION TO LESSEN THE AMOUNT OF WORK THAT WAS DONE ON MY PROPERTY PER AN INSPECTOR 'S REPORT THAT WAS SIGNED BY THE INSPECTOR AND THE WITNESS. THEY USED THOSE FALSIFIED DOCUMENTS TO WITHHOLD MY REBUILD MONEY RESULTING IN ME HAVING TO STOP MAKING PAYMENTS BECAUSE THE HOME HAD NO CERTIFICATE OF OCCUPANCY AND WAS NOT HABITABLE SINCE A FIRE THAT OCCURRED IN XXXX. THE PROCEEDS FROM MY FIRE INSURANCE LOSS CLAIM HAS BEEN IN AN ESCROW ACCOUNT FOR OVER 10 YEARS THAT WAS ALSO NEVER ACCOUNTED FOR. 

It is illegal to try to " evict '' a tenant by locking them out, shutting off the water or electricity, or removing their personal property. ( XXXX. XXXX XXXX. )

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