Consumer complaint received 2024-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to report serious title defects regarding egregious banking violations and the devastating personal impact of improper foreclosure actions that forced me into bankruptcy and now left me without legal protections. I have spent over XXXX trying to prove the invalid Chain of title and now face imminent loss of my home despite clear evidence of title defects and an improper foreclosure proceeding on my property. 

EVIDENCE OF FRAUD AND CRIMINAL VIOLATIONS : 1. Fraudulent Assignment Creation  : - Assignment to XXXX Bank executed XX/XX/XXXX - Made to XXXX as XXXX trustee after both entities defunct - XXXX had failed XX/XX/XXXX ( 3 months prior ) - XXXX had been acquired by Bank of America in XXXX - Assignment appears manufactured to create false chain of title XXXX. False Claims to Court : - XXXX filed XXXX XXXX ( XX/XX/XXXX ) without any recorded interest - Filed foreclosure before having any assignment - Claimed authority of defunct entities - Presented void documents as valid to court XXXX. Pattern of Deceptive Practices : - Multiple entities claiming interest without assignments - XXXXXXXX XXXX proceeding without recorded interest - Use of invalid assignments to claim standing - Systematic pattern of false documents XXXX. Criminal Elements : - Filing false documents in public records- Presenting fraudulent claims to courts- Making false statements in sworn documents - Using void assignments to claim authority - Pattern of deceptive banking practices XXXX. Document Irregularities : - Assignment dated after foreclosure filing - Assignment to defunct entities - Missing chain of title documents- Unexplained appearances of new entities - Multiple contradictory claims of ownership XXXX. False Representations : - Claims of authority from defunct bank - Assertions of valid assignments that are void - Statements of ownership without documentation - Multiple entities claiming same interest CRIMINAL IMPLICATIONS : This pattern of conduct suggests potential violations of : XXXX. 18 U.S.C. 1344 ( Bank Fraud ) 2. 18 U.S.C. 1341 ( Mail Fraud ) 3. 18 U.S.C. 1343 ( Wire Fraud ) 4. Florida Statute 817.535 ( False Documents Against Real Property ) 5. Florida Statute 817.54 ( False/Fraudulent Mortgage Documents ) Request for Criminal Investigation : XXXX Review of fraudulent assignment creation XXXX. Investigation of systematic false filings XXXX. Examination of pattern of deceptive practices XXXX Review of false statements to courts XXXX. Investigation of coordinated fraudulent scheme XXXX. Examination of all parties involved in false documents Additional Evidence Available : XXXX. XXXX recorded documents showing timeline XXXX. Proof of entity status at time of assignments XXXX. Court filings containing false claims XXXX. Complete chain showing document fraud XXXX. Evidence of systematic pattern XXXX. Proof of multiple false representations Additional Details for Title Fraud Property History : XXXX. Original Purchase : XX/XX/XXXX - Purchased from XXXX XXXX for {$410000.00} Original mortgage with XXXX XXXX XXXXXXXX XXXX for {$320000.00} XXXX. XXXX XXXX : - XX/XX/XXXX : New mortgage with XXXX XXXX XXXX XXXX ( {$470000.00} ) - XXXX  as nominee XXXX. First Invalid Foreclosure Attempt : - XX/XX/XXXX : XXXX Bank filed XXXX XXXX WITHOUT any recorded interest - XX/XX/XXXX : XXXX assigned to XXXX as XXXX trustee AFTER : * XXXX XXXXXXXX 's failure ( XX/XX/XXXX ) * XXXX 's acquisition by Bank of America ( XXXX ) - XX/XX/XXXX : Case dismissed/XXXX XXXX released XXXX. Second Invalid Foreclosure Attempt : - XX/XX/XXXX : XXXXXXXX XXXX  filed XXXXXXXX XXXX  WITHOUT any recorded interest - NO assignment from XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX : Notice of Foreclosure Sale filed - Sale scheduled for XX/XX/XXXX Legal Violations : XXXX. Break in Chain of Title : - No recorded assignment to XXXX XXXX - No evidence of transfer from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX to foreclose XXXX. Invalid XXXX Assignment : - Made to XXXX as XXXX trustee after both entities defunct - Assignment to trust after closing date - Made after foreclosure action already filed XXXX. Current Improper Foreclosure : - XXXX XXXX proceeding without recorded interest No evidence of standing - Sale scheduled without proper chain of title Documents Attached : XXXX. Title search results showing complete chain XXXX. XXXX Assignment to XXXX ( XXXX # XXXX ) XXXX. Both XXXX XXXX filings ( XXXX and XXXX ) XXXX. Recent Notice of Foreclosure Sale Request for XXXX : XXXX. XXXX investigation into XXXX XXXX  's standing XXXX Review of invalid assignment to defunct XXXX XXXX XXXX. Emergency intervention to stop XX/XX/XXXX sale XXXX. Investigation into robo-signing and improper assignments XXXX Review of XXXX XXXX  's foreclosure XXXX This case represents serious violations of banking regulations, real estate law, and consumer protection statutes. I request your immediate attention given the pending foreclosure sale.

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