Consumer complaint received 2015-08-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America made false statements and claims ; DUAL Tracked ; and then tried to cover up facts that show otherwise. Bank of A- failed to follow any laws and claims that the Investor would not allow the USDOJ *XX/XX/XXXX TERMS of Countrywide XXXX ' Loan Pool terms when questioned the Investor : Informed they were NOT the Investor. There is strong evidence to prove each false claims made proving that borrower was in a review process ; proof that the bank employee 's one point contact only further abuses the borrower ; recorded calls of their abuses and lies ; researched further public records ; Robo signed by notaries using several versions of names : XXXX : notary and beneficiary : VP of Bank claims all roles are same persons/ ; and found by Journals and entries that are non-compliant and show a pattern of deception ; forgery ; fabrications ; and more than one versions of notes and deeds that the Servicer has played roles of being beneficiary when they are Servicer ; and assigned and sold to parties without any rights ; continue to enforce a TIME BARRED DEBT under UCC 3118 over XXXX years since acceleration and failed to follow any of the terms in which the contract ; and the terms of the Deed of Trust were written and Subject TO specific conditions and agreements that were not met by the Bank . In addition : Found appraisal fraud over XXXX over valued ; set up borrower from the start on a loan that was not possible to perform upon ; made false claims that would make good on their mistakes and failed to keep any agreements made ; Filed false and defective Notice of DEFAULT ; with non compliant " out of state '' defective Substitute of Trustee/and defective NOD with false and improperly used fabricated affidavits ; false claims ; and non compliant with Sec of State of CA. Continue to harass and force by DUAL TRACKING while under review ; posting sale date on time barred debt ; posting sale date while IN REVIEW for a MOD ; and then omit critical details to an Attorney firm that would prove that they are lying to their own attorney 's ; Acting against FRANK DODD ACT ; UNFAIR BUSINESS PRACTICES ; AND VIOLATING FAIR DEBT COLLECTION PRACTICES BY continous collection efforts by deceptive measures against the borrower without any concern to harm caused, nor ethic ; moral and legal obligations. Trying to enforce a Time Barred UCC 3118 OVER XXXX YEARS OLD AND ACCELERATED OVER 8 YEARS AGO ; XXXX ; Violating all laws stated would comply under the Deed of Trust ; FAIL to follow the Deed of Trust detailMISLEADING THE REGULATORS and providing partial details to cover up the truth in exposing the true facts of massive abuses and harassment to the borrower 's entire life. Manipulating every vendor/attorney/co-business conspirators to follow directions regardless of the laws being upheld in order to threaten if they do n't follow their ways they wo n't obtain their work volume. This has occurred with Attorney 's and Title Companies ; causing further harm to borrower 's across the Nation. False claims continue to run rampant, and the failure to follow any agreements made to borr OR regulators further harm those borrower 's being abused since XXXX ' ; and start of abuses since XXXX ' Countrywide Loan originations which were the most abusive PREDATORY DECEPTIVE LOANS CAUSING OVER XXXX YEARS OF HARASSMENT AND ABUSE ON EVERY LEVEL. This was a negative amortization loan - ARM Loan. The XXXX XXXX XXXX USDOJ LAWSUIT WOULD ALLOW Positive outcome the Bank said this is by INVITE only!! Loan Pool was named as part of lawsuit. Bank has filed a DEFECTIVE NOTICE OF DEFAULT ; a false Sub of Trustee made up POA & robo signed NON Compliant Notary used to manipulate fraud. Filed false recorded documents, Created over XXXX " different Notes '' FDCPA Violations : CFPB Violations : & Absolutely DUAL TRACKED FILED -WRONGFUL POSTING OF A SALE DATE DURING & when IN A REVIEW PROCESS, and has misrepresented facts entirely.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation