Consumer complaint received 2025-06-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
It seems we are describing a complex and potentially distressing situation involving a property, a wrongful foreclosure, and a large number of heirs, with several financial institutions and a XXXX company mentioned. This was broken down for us by XXXX XXXX of the National Justice Center and was written and received on Friday XXXX XXXX Let 's break down the entities and concepts involved : XXXX XXXX XXXX is a leading global provider of property information, analytics, and data-enabled solutions. Headquartered in XXXX, California XXXX XXXX, they specialize in collecting, maintaining, and integrating a vast amount of real estate-related data. Their services are used by a wide range of clients, including : Real estate professionals : For property valuations, market analysis, and insights. 
Financial institutions : To assess risk, manage mortgages, and make informed lending decisions. 
Insurance carriers : For property risk assessment and underwriting. 
Government agencies : For various property-related services. 
In essence, XXXX acts as a data and analytics backbone for the real estate and mortgage XXXX name appears in our investment investigation as well. They don't typically directly foreclose on properties themselves. Instead, they provide the data and tools that financial institutions, like banks or mortgage servicers, use in their operations, which can include foreclosure processes. 
The is an true statement for a Wrongful Foreclosure The XXXX Case description points to a " wrongful foreclosure '' involving " XXXX XXXX XXXXXXXX '' as owners and an additional " XXXX Heirs. '' This suggests a situation where : Wrongful Foreclosure : The foreclosure may have occurred illegally or improperly, potentially due to errors in process, lack of proper notification, or other legal violations.

Multiple Heirs : The presence of 99 heirs indicates a property that was likely inherited, and potentially, the ownership structure or inheritance process was not clearly established or communicated to all parties involved. In the XXXX, where XXXX is located, dealing with a proposed inherited property with multiple beneficiaries can be complex, often requiring unanimous agreement or court intervention ( like a partition action ) if there's a dispute among heirs. I was assigned the XXXX Case and Lenders are generally required to notify all parties with an interest in the property during a foreclosure, even if they aren't personally liable for the XXXXXXXX XXXX XXXXXXXX XXXX were the only party to Own the residential of XXXX XXXX XXXX XXXX Georgia XXXX when transferred to BofA XXXX XXXX XXXXXXXX XXXX XXXX who sold their Property to XXXX XXXX XXXX XXXX In which we mention a " sale of property control number assigned XXXX by BofA XXXX XXXX XXXX XXXX XXXXXXXX to XXXX XXXX XXXX XXXX in XXXX XXXX. '' BofA XXXX XXXX XXXX XXXXXXXX XXXX : This refers to a part of Bank of America XXXX XXXX a major global financial institution. As a large bank, they would be involved in various financial activities, including potentially holding or selling distressed assets, which could include properties or mortgage-backed securities. 
XXXX XXXX XXXX XXXX : This appears to be a private property entity in XXXX, XXXX. The " control number XXXX '' suggests a specific identifier for this transaction or asset. 
Connecting the dots : It appears that BofA XXXX XXXX XXXXXXXX XXXX XXXX sold the property ( or the debt associated with it ) to XXXX XXXX, and this transaction led to the wrongful foreclosure of XXXX and XXXX 's property, without the knowledge of the XXXX heirs who also had an interest.This group of XXXX Heirs were paying the taxes on the property without any knowledge by XXXX and XXXX XXXX Key Issues Implied Based on our statement, the critical issues at play would likely be : Legitimacy of the Foreclosure : Was the foreclosure process legally sound, especially given the presence of numerous heirs and their alleged lack of knowledge about the sale? 
Notification to Heirs : Were all XXXX owners ( XXXX, XXXX, and XXXX heirs ) in which XXXX and XXXX were not properly notified of the mortgage, default, with the XXXX and subsequent sale/foreclosure? In cases of inherited property, determining and notifying all legal heirs can be a significant challenge for lenders. 
Property Ownership and Inheritance Law : The specifics of how the property was inherited and the legal status of each heir 's claim would be crucial. XXXX property law regarding inherited estates with multiple beneficiaries can be complex. 
Role of XXXX : While XXXX isn't typically a foreclosing entity, the data and services they provide might be relevant to how the bank or servicer managed the mortgage and identified ( or failed to identify ) all parties with an interest in the property. 
In summary, XXXX is a data and analytics provider for the real estate industry, not a direct participant in foreclosures in the same way a bank or mortgage servicer would be. The situation you describe points to a potential case of wrongful foreclosure with significant complications due to multiple, potentially unnotified, heirs and a sale between financial entities in the XXXX. 
Given the complexity and the legal nature of this situation, it would be absolutely critical for XXXX, XXXX, and even the other heirs to seek legal counsel specializing in property law and wrongful foreclosures in XXXX also. 
Grace Unto The XXXX Family XXXX XXXX of the National Justice Center

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