Consumer complaint received 2019-04-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX I entered into a mortgage ARM/5 with XXXX XXXX XXXX XXXX Just For the Record. 
On XXXX XXXX Record of Payment ( Guarantor Instrument XXXX ) PUBLIC, 1st. prior Doc XXXX was registered. XXXX On XXXX same day Mortgage Doc XXXX 1st guarantor XXXX XXXX 1st Grantee XXXX XXXX XXXX XXXX. Instrument XXXX is registered to XXXX XXXX A MARRIED MAN. 
On XXXX An Assignment XXXX XXXXst Guarantor XXXX XXXX XXXX XXXX 1st. Grantee MORTGAGE ELECTRONIC REGISTRATION SYSTEM INC. ( MERS ) Instrument Doc XXXX On XXXX RELEASE MORTGAGE ELECTRONIC REGISTRATION SYSTEM INC. ( MERS ) Doc XXXX XXXX Guarantee XXXX XXXX Doc XXXX ... 
I received information my loan was transferred to XXXX and latter become XXXX XXXX XXXX XXXX XXXX ... paid on time my mortgage and paid even more than the amount required. Ignoring those facts, until now that I have facts of my own. On XX/XX/XXXX I called to ask for a refinance since I was not behind. On XX/XX/XXXX I called again since the papers I supposed to receive did not come. I had paid my own Insurance, my taxes and my mortgage and continue to do so. They accepted my request and give me an appraisal on XX/XX/XXXX. I paid and they keep changing days and loan officers. 
On XX/XX/XXXX I was informed my refinance was cancel ( in writing I have emails to prove it ) and they stop accepting my payments. Now I know they were in the middle of a crisis and they make a payment of their own in taxes and insurance, so when I was paying my regular payment they assigned in the wrong column since XXXX XXXX For that reason they send me to wrongful foreclosure and convert my life in living XXXX. My then husband divorce me and our family was affected beyond imagination. 

( On XXXX XXXX XXXX XXXX XXXX my lender was dissolved ) On XX/XX/XXXX they send the summons, which were given to another person and she gave it to me, one month and 4 days On XX/XX/XXXX my ex-husband an love of my life committed SUICIDE. 
( the allonge was a blank written note with different dates in the middle of the page and the bottom, and My loan has all the robo signing and robo stamping from XXXX.and separation of the note and mortgage which make this note not enforceable ). 
On XX/XX/XXXX AN ILLEGAL LIS PENDENCE foreclosure Doc XXXX with XXXX XXXX XXXX   XXXX XXXX was registered as Guarantor and XXXX XXXX Grantee doc XXXX On XX/XX/XXXX AN ILLEGAL ASSIGNMENT from MORTGAGE ELECTRONIC REGISTRATION SYSTEM INC. ( MERS ) to XXXX XXXX XXXX XXXX XXXX XXXX was registered. 
On XX/XX/XXXX AND ILLEGAL ASSIGNMENT doc XXXX Guarantor BANK AMERICA and Guarantee XXXX XXXX XXXX I H R prior Doc XXXX???? 
In court they have lied, harassed, intimidated me, and leaved the court for lack of standing and comeback with more tricks and unlawful act as the sale of the house. 
On XX/XX/XXXX I went to the judicial sale, I recorded myself I walked there and stayed from XXXX to XXXX when the sale occurred and presented my counseling course for bankruptcy and stop the foreclosure with the automatic stay. All the investors who were they told me they would not outbid or do anything to harm me. I stayed until they close the bid. I went home. I put this on XXXX. 
On XXXX XXXX I went to Federal court and finished the paperwork of the bankruptcy chapter XXXX for reorganization hoping they will listen to the 9 RESPA 'S I downloaded from your site, with the specific question " to correct the errors '' made to the amounts due and I will start paying even if I know they are committing fraud left and right since I am the only person I know fighting the illegal things MERS/XXXXXXXXBANK OF AMERICA/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as TRUSTEE for many investors. All this companies ( unlawful ) are not properly registered with the state of Illinois. 
I have been paying my taxes and my own XXXX XXXX insurance all this years as only insured. Since I never replied, I have proof they cancel " their own insurance '' in " my name '' since they imposed on me. 
On XX/XX/XXXX they presented papers for eviction swearing they sold the note to themselves on XX/XX/XXXX ( I guess in a ghost room ) I am in complete dismay how they can get away with murder. When it is so much fraud and deceptive practice we the consumers are wondering where are the institutions who suppose to protect us. How much money is involve in those bond, insurance, and claims? Every instrument is creating performance bonds. All these parties involve should be accountable. Waiting to hear from you ... I did not know law and I learned how to become my own defense, since " lawyers for the defense and the plaintiffs are working ( both ) for the court '' not for the consumer as I am finding out. So the conflict of interest of more 300,000 foreclosures per year and in the last 10 years ALMOST 3,000,000 cases and only 9 cases have good resolutions for the consumer??? 
Me and my daughter, now a XXXX XXXX XXXX have been the direct hit for 9 years- from the " Big short '' OR BIG FRAUD. For her I will keep fighting to the end. As you might know, I am a minority, woman and disable. I believe in my XXXX with honesty, hard work and faith will make you win any battle. They can not corrupt my soul.

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