Consumer complaint received 2024-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Bank of america under ( informative research and other pulle d my credit 7 times in XXXX and XXXX in the process of a VA loan application and never extended credit. Other banks approved me credit and income but because bank of america filed a lien on a loan they did in XXXX, with third parties ( who did not have the equity position to encumber MY HOUSE ) with XXXX title filing the XXXX, the bank instead sold the loan to XXXX who sent XXXX XXXX who walked into the escrow company and took all my funds. I was told I need the permission of someoone who is the lclient or was the client of bank of america named XXXX XXXX and XXXX XXXX who are the debtors so the bank can tell me what they did with my social security funds. 
To date, the attorney sent by XXXX that has the " bank of america note '' in a rent a bank scheme wants not only that cash but extra legal fees of XXXX that XXXX is not paying him so he took advantage, well the banks took advantage XXXX XXXX and XXXX and XXXX represent the monopoly giant and Bank of America NOTE adn the collector XXXX -while I was XXXX and without legal help he told me " he is helping me '' and what he did is walk into a 10 year paying land contract mortgage, take the funds and violated the stature in NM where I and my family have been in title and have paid the property cash, but since he thinks is worth more, he wants to " sell it '' and since he could not, he cloouded the title I have been and my family have been living here for XXXX  years and have homestead and rights to the property per statute and more than 10 years required in NM to keep the house we live in I also put a security downpayment for the HUD fraudulent loan that was appparently-caus e I never got acurrent mortgage statement from bank of america or XXXX was discharged over 10 years ago, and now a XXXX  second loan appears in the prior 3 owners name or over 20 yeras ago that XXXX title should have capped , we have title insurance and the second loan that the collectors are collecting forXXXX ( attorney fees '' _ is not disclosed when we bought the house in XXXX. 

In NM zealous representation is allowed but to go around and violate statutes and rights of homoeowners and abuse those who have served in our country should be punished with the loss of his license and the bank does not care because they will be fined pennies whereas my husband -late husband ' was alive when we bought the house- and my family OWNS THIS HOUSE WE WANT TO KEEP IT. - YOU ALREADY HAVE WHATEVER WE WERE ABLE TO WORK FOR OUR ENTIRE LIVES, SOCIAL SECURITY FUNDS MILITARY PAY AND XXXX PAY IN A LUMP SUM OF XXXX. THAT IS WHAT YOUR COLLECTOR WHO HAS THE " BANK OF AMERICA LOAN '' ( RENT A BANK SCHEME ) SENT TO THE IRS IS OWING, NOW YOU SEND AGAIN XXXX XXXX AND XXXX XXXX FROM YOUR HIRED XXXX AND XXXX TO FILE A TITLE CLOUD. WE HAVE BEEN IN TITLE SINCE XXXX THIS IS AGAINST NM STATUTE, EVEN JUDGES CAN NOT DO THAT OR THE WHOLE NM CONSTITUTION HAS TO BE MODIFIED OR THE BANKS CAN COME AGIAINST STALE LOANS AND LAND CONTRACTS OVER 10 YEARS OLD. OR YOU ARE DISCRIMINATING ME BANK OF AMERICA PULLED MY CREDIT, I HAVE GOOD CREDIT AND THEY DID NOT EXTEND A LOAN TO PAY BANK OF AMERICA COLLECTORS FORR THE STALED LOAN OF XXXX. IF YOU WANT MONEY HOW MUCH MORE BUT I AM NOT MOVING FROM THE HOUSE I LIVED SINCE XXXX AND OWN IT, DESPITE WHAT RUBBISH YOUR SENT REPRESENTATIVE FILES IN COURT OR HOW MUCH MONEY YOU. PAY TO GET THIS " UNDER THE CARPET ''. 

THIS IS MY HOUSE. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CFPB IS NOT A CHILD A LETTER SAYING " WORKING ON A RESPONSE FOR 10 YEARS DOES NOT SUFFICE AND SAYING DUPLICATE IS NOT ENOUGH. 
THE BANK HAS NOT CONDUCTED APPROPRIATE ACCOUNTING AND HAS SUMMONED THE WRONG PARTY. 
YOURE PARTY IS IN XXXX AND THIS INFOMRMATION WAS GIVEN TO YOUR REPRESENTATIVE XXXX XXXX, IS THAT XXXX AND XXXX PUT AN INTERN STUDENT IN THIS CASE IN XXXX AND XXXX XXXX XXXX XXXX, THEN THE MENTOR TOOK OVER BUT NEVER DID THINGS RIGHT BANK OF AMERICA PRIOR DOING A MODIFICATION SHOULD HAVE AT LEAST AT LEAST PULLED A COMPLETE TITLE INVESTIGATION, THEY WOULDHAVE FOUND THE LAND CONTRACT FILED IN THE COUNTY CLER, AND XXXX XXXX SHOULD HAVE CAPPED THE XXXX  LINE OF CREDIT OF THE PRIOR 2 OWNERS XXXX XXXX AND XXXX XXXX WHO USED YOUR NEGLIGENCE TO FUND THEIR FLIP A HOME ( THEY DID THIS ON EVEN BANK OF AMERICA FORECLOSURES ) CASH TO SELL FOR PROFIT XXXX PROPERTIES ALL TOGETHER WITH A DEFERRED PROFIT OF XXXX THAT XXXX XXXX XXXX  GAVE THE BORROWERS WITHOUT ANY PROBLEM. THERE WAS WHERE YOU HSHOULD HAVE COLLLECTED. 

NOT INTERFERE WITH THE LAND CONTRACT, IT WAS PAYING ALL ALONG AND THAT CASH IS TO BUY THIS PROPERTY CASH ANY DEBT ASIDE FROM THAT SPELLS OUT IN THE FILED DOCUMENT REAL ESTATE CONTRACT, IS DEBT OF THE XXXX 'S GO AGAINST THEM BUT I THINK THE INTERN TOOK TO LONG AND THE MENTOR CHOSE THE EASY FIELD HARASS A XXXX XXXXXXXX WOMEN A WIDOW DURING THE TIME SHE WAS XXXX XXXX WITH XXXX, THAT IS AN EASY UNETHICAL AND CRIMINAL WAY TO MAKE MONEY FOR BANK OF AMERICA AND XXXX XXXX THE SEC FILINGS THEY DO PLEASE GO AFTER THE ONES WHO CREATED THIS AND THE ONES WHO STILL MESS THIS UP. I AM XXXX XXXX XXXX. IHAVE A XXXX GRANDKID AND A10 YERAS OF LITIGATION HAVE REALLY TAKEN MY LIFE. 
I WANT TO KEEP MY HOUSE. I BOUGHT IT FOR XXXX WE PUT DOWNPAYMENT AND THE XXXX WAS PAID ALREADY ANYTHING ELSE YOU WANT FROM ME TO KEEP MY HOUSE. I AM IN FIRST POSITION BEFORE THE XXXX XXXX FILING OF XXXX. BEFORE ANY SECOND LOAN BEFORE ANYF RAUD. TAKE MY MONEY LEAVE ME THE HOUSE. IA M TO OLD TO DEAL WITHTHIS XXXX AND HIS TONS AND TONS OF PAPER WTHAT I DONOT EVEN UNDERSTAND, AND. HE WANTS ME TO BE EVICTED, THAT IS A LACK OF ETHIC, CRMINIAL

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