Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On around XX/XX/XXXX, an Appeals court related to Bank of America and XX/XX/XXXXXXXX XXXX relating to a XXXX transfer if a debt would be due and if the Lien at that time was already Time Barred and Extinguished by Statute. The State Statute is Civil Code 337 that governs written contracts ; and Ca Comm. Code 3118 sets the time expiration if such note is considered a negotiable instrument. This sets the time per State law to enforce the debt by any legal means. 3118 provides a SIX Year time barred debt if the note was accelerated and or Ten Years from last payment due date if not accelerated. The Opinion of the Appeals court, and the Hired Attorney 's XXXX XXXX XXXX concluded that at that time ( XXXX ) in relation to expiration was not yet 10 years at that time. The Governing statute of limitations by Statute Civil Code 880.020-882.040 sets a maximum time of 10 years from last performance ascertainable from the recorded evidence in the record at the County Recorders Office . That a NOD was recorded on XX/XX/XXXX, by XXXX XXXX XXXX, instructed by XXXX XXXX and set a " Threat of Sale '' beyond the statute of limitations set by law. The NOD is such a liberally construed document to reflect the last due. Additionally on XX/XX/XXXX, the Accelerated Note was recorded in the XXXX XXXX RECORDERS OFFICE and is ascertainable from the recorded evidence of indebtedness. The Maturity Date was advanced by Acceleration by lender, named in that Note, XXXX XXXXXXXX XXXX XXXX XXXX made threats of a Sale Date pressuring to file a XXXX on XX/XX/XXXX, and XXXX XXXX presented a Fraudulent debt claimed due, and that same debt was also discharged by a Court Order XX/XX/XXXX. XXXX hired XXXX XXXX to file a Motion to Relief from Stay and OMITTED facts and law ; then recorded that as if a debt was owed. There is no debt owed. XXXX XXXX admitted that no dispute that the Note was in fact Accelerated XX/XX/XXXX. The Appeals Court determined this XX/XX/XXXX. However, despite the facts that triggered the expiration of the debt and power of sale clause, XXXX 's Employees claim the Note was not accelerated and have OMITTED this and attempts to re=AGE outdated stale debts to take real property in violation of State law. State law Civil Code 880.020-882.020-882.030 provides that such lien is Extinguished. XXXX XXXX has disregarded the State Statute and has informed its employees that the original maturity date remains ; despite the evidence and the Court Ruling and its own Attorneys agreeing this note was accelerated 18 years ago. The performance of the debt obligation is from 13-18 years ago ; and no Reaffirmation of any mutual agreement exists. I am being Extorted from and HARASSED on a daily basis and Nationstar employees are practicing unlicensed practice of law by claiming that the debt is still owed and the lien is still enforceable when the law says it is SATISFIED by law.

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