Consumer complaint received 2026-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Paste this exactly XXXX : This complaint is a formal supplement connecting XXXX active CFPB complaints against Bank of America XXXX through XXXX to the newly filed CFPB complaint against XXXX XXXX Bank XXXX XXXX XXXX filed XX/XX/XXXX. XXXX XXXX CONFIRMED AS MASTER SERVICER FROM SEC XXXX XXXX XXXX Bank XXXX. served as Master Servicer and Securities XXXX of XXXX XXXX XXXX confirmed directly from the trust 's own Prospectus Supplement filed with the SEC on XX/XX/XXXX CIK XXXX Page XXXX. The trust Cut-Off Date was XX/XX/XXXX. The Closing Date was on or about XX/XX/XXXX. These dates are confirmed from the same SEC prospectus XXXX XXXX. THE VOID ASSIGNMENT VIOLATED THE TRUST 'S OWN GOVERNING DOCUMENTS The XXXX XXXX Assignment Instrument XXXX dated XX/XX/XXXX was executed 13 months and 16 days after the Cut-Off Date of XX/XX/XXXX. The trust 's own prospectus XXXX XXXX required a mandatory XXXX step transfer sequence completed by the Closing Date. XXXX XXXX XXXX loan sellers to XXXX XXXX Mortgage XXXX. XXXX XXXX XXXX XXXX Mortgage XXXX to the XXXX. XXXX XXXX XXXX to the Issuing XXXX. All three steps had to be completed by XX/XX/XXXX. Each transfer was designated WITHOUT RECOURSE meaning previous owners could not return later to fix missing assignments. The XXXX XXXX Assignment skipped every required step and was executed 13 months too late by a dead corporation through a federally convicted criminal enterprise. This assignment is void on every legal ground simultaneously. XXXX XXXX AND BANK OF AMERICA ADMINISTERED THE SAME CLOSED TRUST SIMULTANEOUSLY Bank of America as successor trustee to XXXX Bank and XXXX XXXX as XXXX XXXX both administered XXXX XXXX XXXX simultaneously while a void foreclosure proceeded against a XXXX borrower 's home. XXXX XXXX received monthly remittance reports from XXXX showing XXXX 's loan as a trust asset under XXXX account number XXXX the same fabricated number on the void assignment. XXXX XXXX as XXXX XXXX reported XXXX 's loan to trust investors as a legitimate trust asset despite the complete absence of any recorded chain of title. XXXX XXXX had a XXXX day custodian review obligation and a XXXX day repurchase obligation for defective loans under the XXXX XXXX XXXX. Neither obligation was ever performed. THE XXXX XXXX FAILURE Per the prospectus Page XXXX each XXXX was required to review every mortgage file within XXXX days of the closing date by approximately XX/XX/XXXX and certify all required documents were in possession. Not XXXX recorded assignment exists in XXXX XXXX connecting XXXX 's loan from XXXX to Accredited to XXXX to XXXX to XXXX Bank at any point. The custodian either never received XXXX 's loan file meaning the loan was never legitimately in the trust or received it and found the deficiencies and notified XXXX XXXX XXXX XXXX who then failed to cure or repurchase as required. Either scenario confirms the loan was never legitimately in XXXX XXXX XXXX. BANK OF AMERICA AND XXXX XXXX MUST ANSWER JOINTLY Bank of America as successor trustee is responsible for explaining how the trust they administered through XXXX Bank accepted a void assignment XXXX months after the trust closed executed by a dead corporation through a criminally convicted document mill using the wrong loan number with no recorded chain of title. XXXX XXXX as XXXX XXXX is responsible for explaining how they XXXX their oversight obligations while this same trust was being used to foreclose on a XXXX borrower 's home using a fabricated assignment. Bank of America and XXXX XXXX administered the same trust simultaneously. Their failures are interconnected. Their responses to the CFPB must be evaluated together. Active investigations XXXX XXXX XXXX. XXXX SEC FOIA XXXX HUD FOIA XXXX New York XXXX Investor XXXX XXXX filed XX/XX/XXXX New York XXXX Case No. XXXX Delaware DOJ Investor XXXX XXXX XXXX XX/XX/XXXX California XXXX Complaint ID XXXX XXXX XXXX Clerk 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