Consumer complaint received 2025-07-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is a very complex and serious situation involving a potential Wrongful Foreclosure sale of our property as shares in a foreign country ( XXXX ), with multiple entities and jurisdictions involved. Given the intricacies of both U.S. Property Law and International Financial Regulations, it is absolutely crucial that we seek Immediate Legal Counsel from an attorney specializing in Wrongful Foreclosure, Real Estate, and potentially International Law.

Here are measures we can consider taking, but we must remember that these should be pursued with the guidance of a Qualified Attorney : XXXX. We have Gather All Documentation : Loan Documents : All original mortgage documents, promissory notes, loan modification agreements, forbearance agreements, and payment histories.But we have never received anything about Caliber Home Loans and any previous servicers. 
Communication Records : We have Kept Detailed Records of all communication with our Home Loans but we have never ever received anything from a Caliber Home Loans, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, and any other parties involved. This includes dates, times, names of individuals spoken to, and summaries of conversations.There has been no Foreclosure Notices : Any notices of default, acceleration, sale, or other foreclosure-related documents that we have never received. 
Property Records : Deeds, title insurance policies, and any other documents related to Our Property 's Ownership. 
There were no " Shares '' Information : There Were Not Any Documents, Statements, or Communications indicating Our Property was Sold as Shares in XXXX, XXXX, including the company number ( XXXX ), XXXX XXXX XXXX XXXX or Exchanges Involved.There were no Company Information : No Details about Caliber Home Loans ( which is now part of XXXX, a subsidiary of XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( registered address XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXXXXXX XXXX ( agent address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). 
XXXX. Understand the Entities Involved and Their Roles : Caliber Home Loans/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was acquired by XXXX XXXX XXXX XXXX ( the parent company of XXXX ) in XXXX. All existing XXXX XXXX  XXXX  are now serviced by XXXX. XXXX XXXX XXXX XXXX is a XXXX XXXX XXXX XXXX ( XXXX ) that invests in Residential Mortgage Assets. This means our loan Servicing and Ownership XXXX have been transferred. XXXX XXXX is the President of XXXX XXXX, overseeing all origination, servicing, and other Enterprise-wide Corporate Functions. 
XXXX XXXXXXXX XXXX : This is typically a Registered Agent for service of process for corporations in various states. Their role is to receive legal documents on behalf of the company. 
" Company Number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' : This refers to Caliber Home Loans as registered in XXXX. 
" Control number XXXX '' : This we know now seems to be an XXXX XXXX or XXXX XXXX related to our property within their system. 
" XXXX XXXX is XXXX of the agents that worked for XXXX XXXX XXXX XXXX XXXX XXXX '' : As mentioned, XXXX XXXX is a Key XXXX at XXXX, which is The Mortgage Servicing Arm of XXXX XXXX XXXX XXXX. 
Sale as Shares in XXXX, XXXX ( XXXX ) : This is highly unusual for a typical U.S. Mortgage Foreclosure. It suggests a securitization process where our mortgage, or an interest in it, was packaged with other mortgages and sold as investment shares, potentially on a foreign market. This is a critical point that requires investigation into the legality and proper disclosure of such a transaction under both XXXX and XXXX law. 
3.We are Consulting with Legal Professionals : U.S. Foreclosure Attorney ( XXXX, given the jurisdiction ) : An Attorney Specializing in Wrongful Foreclosure in XXXX  can help us understand our rights, Identify Potentially Violations of Foreclosure Law ( e.g., lack of proper notice, incorrect accounting, MERS issues, We know that MERS was not involved in our Loans and lack of standing to Foreclose ), and guide us on initiating legal action to STOP or Reverse the Sale. We are investigating if the entities had The Legal Right to Foreclose and whether all procedures were followed correctly.

The U.S. Securities/Financial Law Attorney : can Give us information of when the sale of our property was sold as shares, and an Attorney with Expertise in Securitize Law or Financial Instruments might be necessary to understand how our property was securitized and if any regulations were violated in that process. 
XXXX XXXX ( Specializing in Property/Financial Law ) : It is absolutely essential that we consult with a Solicitor in the XXXX ( XXXX in Manchester if XXXX ) who understands XXXX XXXX and financial laws, especially concerning the trading of shares. They can investigate how our property ended up being sold as shares in XXXX and if there are any legal avenues to challenge that sale under XXXX jurisdiction. 
XXXX. Potential Legal Actions and Arguments ( to discuss with our attorney ) : Wrongful Foreclosure Lawsuit : Our Primary Legal Challenge in the XXXX would likely be a lawsuit alleging Wrongful Foreclosure. Arguments could include : Lack of XXXX : The foreclosing party did not have the legal right to foreclose ( e.g., they weren't the true owner of the Note and Mortgage ). This is often an issue in XXXX Mortgages. 
Procedural Violations : The lender failed to follow all required XXXX and XXXX Foreclosure procedures, including proper notice, mediation, or curing defaults. 
Breach of XXXX : The lender violated the terms of XXXX Mortgage XXXX. 
XXXX or XXXX : If there was any deceptive conduct by the XXXX. 
XXXX XXXX : The terms or actions were so unfair as to shock the conscience of the court. 
Injunction : Our attorney XXXX seek an injunction to temporarily halt any further actions related to the sale or transfer of the property, including the " shares, '' while the case is being Litigated. 
Quiet Title Action : If the ownership of the property is clouded by the " shares '' sale, a quiet title action could be filed to establish our Rightful Ownership. 
Damages : If Wrongful Foreclosure is proven, we XXXX be entitled to damages, including the value of Our Home, Lost Equity, .Emotional Distress, and possibly Punitive Damages if the lender 's conduct was Egregious. 
Challenging the Securitization/Share Sale : This is where the XXXX legal XXXX becomes critical. Depending on how the " shares '' were created and sold, there XXXX be grounds to challenge the validity of that transaction under XXXX law or XXXX Securities Regulations. 
XXXX. Notify Relevant Regulatory Bodies : Consumer Financial Protection Bureau ( CFPB ) : File a complaint with the CFPB, which regulates financial products and services in the XXXX. 
XXXX Attorney General : XXXX a complaint with the Georgia Attorney General 's office. 
State Banking/Mortgage Regulators : File a complaint with the relevant state agency that regulates mortgage lenders and servicers in Georgia. 
XXXX XXXX XXXX ( XXXX ) in the XXXX : If shares were indeed sold on a XXXX market, we can consider filing a complaint with the XXXX, which regulates financial services firms and financial markets in the XXXX. 
Important Considerations : XXXX of Limitations : There are strict deadlines ( statutes of limitations ) for filing lawsuits related to wrongful foreclosure.We can not delay in seeking legal advice. 
Jurisdiction : Determining which courts have jurisdiction ( XXXX or XXXX ) over different aspects of our claim will be complex and will require careful legal analysis. 
Cost : Legal battles, especially those involving multiple jurisdictions and complex financial instruments, can be very expensive. We will Discuss fee structures and potential costs with our attorneys upfront. 
This is a very serious and unusual situation. The fact that our property ended up being " sold as shares in XXXX, XXXX '' adds a significant layer of complexity. We Will Not attempt to navigate this without Experienced Legal Professionals on Our side. 
In 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