Consumer complaint received 2025-07-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is a very serious situation, and it's understandable that we seeking guidance. Being subjected to wrongful foreclosure, especially as a veteran, is a significant injustice. Given the complexity of the entities involved ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, BofA XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ), and the alleged insulation of the Georgia property from the sale of shares in a XXXX-based company. 
Here 's a breakdown of what we should generally be done in a wrongful foreclosure sale, with specific considerations for our situation in Georgia and as a veteran : 1. Act Immediately and Gather All Documents : * We know that Time is Critical : In Georgia, there are strict timelines ( statutes of limitations ) for challenging foreclosures and filing lawsuits. While some claims related to security deeds can have a 21-year statute of limitations if the deed is under seal, other contract-based claims typically have a 6-year period, and you often need to act much sooner to prevent or reverse a sale. 
* Collect Everything : We have gathered every single document related to our mortgage, loan, property, and any communication with all the mentioned entities : * Mortgage statements, payment records, loan modification attempts. 
* All correspondence ( letters, emails ) from lenders, servicers, collection agencies, and legal firms. 
* Foreclosure notices ( Notice of Intent to Accelerate, Notice of Sale, etc. ). 
* Any agreements or contracts that we have signed.We have had 3 Audits that Declared Fraudulent Activity within the Life of the Mortgage * Documents related to the alleged sale of XXXX XXXX shares and the involvement of BofA XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. This aspect, involving an overseas company and complex corporate structures, is particularly important. 
* Proof of your veteran status. 
2. Consultation with a Foreclosure Defense Attorney in Georgia : * Specialized Expertise is Crucial : This was not a do-it-yourself situation. We have an attorney who specializes in foreclosure defense and real estate litigation in Georgia. They will be able to : * Analyze the Legality of the Foreclosure : Determine if proper procedures were followed, if the foreclosing party had the legal " standing '' ( right ) to foreclose, and if there were any breaches of contract, fraud, or predatory lending practices.

* Investigate the Corporate Connections : The alleged involvement of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BofA XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, and how shares in one company might relate to your specific property, is a complex legal issue that an experienced attorney can unravel. They can investigate the chain of title and securitization of our loan.

* Identify Grounds for Wrongful Foreclosure : Common grounds include : * Failure to provide proper notice.

* Lack of standing by the foreclosing party.

* Errors in payment accounting.

* Breaches of loan modification agreements.

* Fraudulent practices or misrepresentation.

* Violation of state or federal foreclosure laws.

* Advise on Remedies : If wrongful foreclosure is proven, remedies can include : * Setting aside the sale ( rescission ) : This would reverse the foreclosure and restore our ownership of the property.

* Damages : Monetary compensation for financial losses, emotional distress, and potentially punitive damages if the lender 's actions were egregious.

* Injunctive relief : A court order to reverse the Wrongful foreclosure sale.

* Navigate Georgia 's Specific Laws : Georgia has its own procedures for non-judicial foreclosures ( which happen outside of court ) and judicial foreclosures. Our attorney will know the specific requirements and how to challenge them.

3. Explore Legal Aid and Veteran Resources : * Veteran-Specific Legal Aid : As a veteran, I been told that I have access to specialized legal services.

* VA Resources : The Department of Veterans Affairs ( VA ) and various veteran service organizations ( VSOs ) that can provide referrals to legal aid programs that assist veterans with housing and foreclosure issues. 
* Legal Services Corporation ( LSC ) : LSC funds legal aid organizations across the country that offer assistance to low-income individuals, including veterans. 
* XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : Connects active-duty service members and veterans with pro bono attorneys. 
* XXXX XXXX : An online resource for military members, veterans, and our families to find legal help. 
* Georgia XXXX XXXX : Organizations like XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX offer free or low-cost legal assistance to eligible individuals in Georgia. 
* We have Contacted the Georgia Attorney General 's Office : They have resources or be able to provide information regarding consumer protection and mortgage issues. 
4. Potential Legal Actions : * File a Lawsuit : Our attorney may advise filing a lawsuit to obtain a Temporary Restraining Order ( TRO ) and preliminary injunction to reverse the sale while our claims are litigated.

* File a Complaint with Regulatory Agencies : We have also filed complaints with relevant regulatory bodies, though this is usually done in conjunction with, or in addition to, legal action : * We of course have used and are using the Consumer Financial Protection Bureau ( CFPB ) : Federal agency that protects consumers in the financial marketplace.

* Office of the Comptroller of the Currency ( OCC ) : Regulates national banks and federal savings associations. 
* Georgia Department of Banking and Finance. 
5. Document Everything : We are and have been * Keeping a meticulous record of every conversation, phone call, email, and letter. Note dates, times, names of people you spoke with, and what was discussed. This detailed record will be invaluable to our attorney.

Given the intricacies we've described, especially the connection to a XXXX company and the alleged insulation of the Georgia property, it strongly was suggest a need for an attorney with experience in complex real estate and potentially corporate law. Because my Spouse suffered an XXXX  during the time that I was working in XXXX XXXX for 8 years much of the information was sent to me and was much stressed projected upon her. So we have not delay in seeking legal counsel. 
In God We Trust Psalm 91

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