Consumer complaint received 2026-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I received an unsolicited letter from XXXX XXXX XXXX formerly XXXX XXXX XXXX formerly XXXX XXXX XXXX. I did not contact XXXX. XXXX contacted me at my current private home address which I never provided to them. Neither the account number nor the case number in their letter matches any of my XXXX active CFPB complaints against Bank of America and XXXX XXXX. When I called XXXX on XX/XX/XXXX and gave their representative both numbers from their own letter XXXX confirmed they could not find either number in their own system. Bank of America is directly responsible for the conduct of XXXX 's predecessor XXXX XXXX XXXX XXXX. Bank of America signed Special Warranty Deed Instrument XXXX recorded in XXXX XXXX Florida on XX/XX/XXXX as successor by merger to XXXX XXXX National Association as Trustee for XXXX XXXX XXXX. Bank of America authorized XXXX XXXX XXXX XXXX to act as their Attorney-in-Fact on that deed. When a principal authorizes an agent to act on their behalf the principal is responsible for the agent 's conduct. Bank of America can not point to XXXX or its successor XXXX and escape that responsibility. The deed was signed by XXXX XXXX XXXX Vice President of XXXX XXXX XXXX XXXX a documented robo-signer identified in four Florida appellate court decisions including XXXX XXXX XXXX Bank which involved the same trust entity. The deed contains fabricated XXXX Loan Number XXXX the same number that appears on void Assignment of Mortgage Instrument XXXX prepared by XXXX and XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX That address is connected to XXXX XXXX whose president XXXX XXXX was federally convicted in XXXX XXXX and sentenced to 58 months in federal prison for directing employees to forge mortgage assignment signatures. XXXX XXXX was subsequently disbarred in XXXX and XXXX. XXXX XXXX XXXX acquired XXXX XXXX XXXX XXXX in XXXX. XXXX became XXXX Mortgage XXXX. XXXX became XXXX XXXX XXXX in XXXX. The liability for XXXX XXXX traveled through every name change. XXXX is XXXX. Bank of America XXXX XXXX. Bank of America is responsible for XXXX 's inherited conduct. My home at XXXXXXXX XXXX XXXX XXXX XXXX XXXX was foreclosed on XX/XX/XXXX under a void judgment entered in the name of XXXX XXXX National Association a bank absorbed into Bank of America on XX/XX/XXXX XXXX months before the judgment. Bank of America confirmed this in their own XX/XX/XXXX email stating XXXX systems were converted to Bank of America in XX/XX/XXXX. Bank of America 's XX/XX/XXXX final resolution letter from the XXXX XXXX XXXX XXXX and President signed by XXXX XXXX confirmed they were aware of the foreclosure proceedings. Their XX/XX/XXXX deed confirmed their successor liability on its face. I have XXXX active CFPB complaints against Bank of America all extended. This is complaint XXXX connecting Bank of America 's authorization of XXXX to the successor liability now held by XXXX and the unsolicited XX/XX/XXXX letter XXXX sent referencing fabricated loan number XXXX and my former property. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 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