Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
b"This complaint is distinct from all prior complaints and is not a duplicate. This complaint documents one specific new violation that emerged on XXXX XXXX XXXX Bank of America's systematic pattern of giving twenty-four identical boilerplate responses to twenty-four completely different CFPB complaints constituting a willful violation of the Dodd-Frank Act's prohibition on unfair and deceptive practices that the CFPB is mandated by law to refer to its enforcement division.\nTHE PATTERN TWENTY-FOUR IDENTICAL BOILERPLATE RESPONSES ON ONE DAY:\nBank of America received twenty-four completely different CFPB complaints between XXXX XXXX XXXX and XXXX XXXX XXXX. Each complaint documented a completely different violation. Each complaint asked completely different specific questions. Each complaint attached completely different evidence. Bank of America extended every single complaint without providing any substantive response. On XXXX XXXX XXXX the same day Bank of America responded to all twenty-four complaints simultaneously with one identical boilerplate response word for word.\nTHE IDENTICAL RESPONSE BANK OF AMERICA GAVE TO ALL TWENTY-FOUR COMPLAINTS:\nBank of America stated in every single response Our records indicate that the loan ending in XXXX originated on XXXX XXXX XXXX as a Balloon Note in the amount of $XXXX with XXXX XXXX XXXX. Our records indicate this loan was charged off on XXXX XXXX XXXX with a balance of $XXXX. Further research indicates the property went through a XXXX XXXX foreclosure sale on XXXX XXXX XXXX which eliminated the loan ending in XXXX. Records indicate Bank of America never serviced and foreclosed on the XXXX XXXX Lien. Our research uncovered no errors to substantiate your claims. Bank of America cannot comment on or affect the actions of an unaffiliated third party such as XXXX XXXX.\nThat identical response was given to twenty-four completely different complaints. Not one word changed. Not one specific fact from any complaint was addressed. Not one attached document was referenced across all twenty-four complaints.\nTHE TWENTY-FOUR COMPLAINTS THAT RECEIVED THE IDENTICAL RESPONSE:\nComplaint XXXX XXXX filed XXXX XXXX original complaint dead plaintiff fabricated assignment unendorsed note no recorded assignment self dealing due process violation XXXX disabled 13 days before judgment.\nComplaint XXXX XXXX filed XXXX XXXX XXXX year regulatory record Accredited Senior Counsel XXXX XXXX XXXX confirmed XXXX dead in writing to Florida OFR XXXX XXXX XXXX OCC complaint filed two days before foreclosure sale.\nComplaint 3 XXXX filed XXXX XXXX OCC supplemental submission thirteen attached documents Final Judgment Certificate of Title Lis Pendens four OCC supplemental submissions.\nComplaint 4 XXXX filed XXXX XXXX six critical evidence discoveries SEC Form 8XXXX XXXX loan DocX robo-signer PSA violation XXXX XXXX circle credit bureau reports proving XXXX XXXX never appeared in XXXX XXXX history.\nComplaint 5 XXXX filed XXXX XXXX direct contradiction Document 1 proves XXXX dead XXXX XXXX XXXX Document 2 claims XXXX signed XXXX XXXX XXXX a dead company cannot sign legal documents.\nComplaint 6 XXXX filed XXXX XXXX Florida corporate death certificate Accredited CFO XXXX XXXX XXXX XXXX sworn statement to Florida confirming XXXX dead 456 days before XXXX XXXX signed as its purported officer.\nComplaint 7 XXXX filed XXXX XXXX void chain and OCC contradiction Bank of America accepted Certificate of Title XXXX XXXX XXXX then told OCC XXXX XXXX XXXX they were not the investor accepted title then denied ownership to federal regulator.\nComplaint 8 XXXX filed XXXX XXXX manufactured chain of title $XXXX sale confirmed by $XXXX Documentary Stamp Tax Bank of America denied ownership to OCC then executed deed as Grantor selling property for $XXXX.\nComplaint 9 XXXX filed XXXX XXXX three dead entities XXXX dead confirmed by sec.gov XXXX dead confirmed by fdic.gov XXXX XXXX retired confirmed by sec.gov not one living legal entity participated.\nComplaint 10 XXXX filed XXXX XXXX five court docket confessions Bank of America's own attorneys labeled XXXX a withdrawn corporation XXXX XXXX XXXX then filed the assignment from that same withdrawn corporation four months later.\nComplaint 11 XXXX filed XXXX XXXX key individuals XXXX XXXX DocX robo-signer XXXX XXXX XXXX shut down after fraud investigations XXXX XXXX XXXX signed for trust dead 1290 days Bank of America $XXXX XXXX DOJ settlement.\nComplaint 12 XXXX filed XXXX XXXX complete paper trail fourteen attached documents Accredited XXXX XXXX letter Litton modification letter sent five days after foreclosure sale XXXX credit report showing complete undocumented chain.\nComplaint 13 XXXX filed XXXX XXXX FHA mortgage history two prior FHA cases properly closed XXXX deactivation at XXXX XXXX Bank of America named XXXX XXXX as defendant to extinguish federally backed SHIP and HOME program liens.\nComplaint 14 XXXX filed XXXX XXXX XXXX documentation mortgage industry's own national registry showing XXXX XXXX as last and only servicer no XXXX no XXXX no XXXX XXXX anywhere in XXXX system.\nComplaint 15 XXXX filed XXXX XXXX suspicious court activity dead XXXX XXXX showing activity XXXX XXXX XXXX six years after case file certified destroyed XXXX XXXX XXXX SHIP HOME federal lien activity XXXX XXXX XXXX.\nComplaint 16 XXXX filed XXXX XXXX PSA three step transfer XXXX XXXX confirmed as XXXX XXXX from XXXX XXXX mandatory three step transfer never completed custodian 90 day review never performed 180 day repurchase obligation never honored.\nComplaint 17 XXXX filed XXXX XXXX XXXX liability one specific question which entity is contractually responsible for $XXXX loss Bank of America as Trustee or XXXX XXXX as Master Servicer Bank of America never answered.\nComplaint 18 XXXX filed XXXX XXXX Comprehensive Foreclosure Record three attached documents connected all fourteen prior Bank of America complaints asked Bank of America answer jointly with XXXX XXXX.\nComplaint 19 XXXX filed XXXX XXXX RESPA Onity letter unsolicited Onity letter received XXXX XXXX XXXX XXXX never provided address to Onity asked who shared XXXX personal information Bank of America called their own documented Attorney-in-Fact an unaffiliated third party.\nComplaint 20 XXXX filed XXXX XXXX Onity connection Bank of America authorized XXXX as Attorney-in-Fact on deed then called XXXX successor an unaffiliated third party direct contradiction of their own signed deed.\nComplaint 21 XXXX filed XXXX XXXX complete fraud chain XXXX absorption XXXX XXXX XXXX XXXX XXXX XXXX XXXX File XXXX Certificate of Title issued to Bank of America at XXXX address directly contradicting XXXX XXXX XXXX XXXX letter.\nComplaint 22 XXXX filed XXXX XXXX bankruptcy discharge violation Bank of America and XXXX discharged as unsecured XXXX XXXX XXXX signed deed as secured Trustee three months later violated 11 USC Section 524.\nComplaint 23 XXXX filed XXXX XXXX IRS Form XXXX XXXX balance on first mortgage XXXX XXXX XXXX fabricated number XXXX has no IRS history void assignment purports to assign live $XXXX debt in XXXX.\nComplaint 24 XXXX filed XXXX XXXX formal demand ten undressed issues across all 43 complaints seven senators briefed public website under construction formal demand for consolidated investigation.\nTHE FIVE DOCUMENTED ERRORS IN EVERY RESPONSE:\nError One Bank of America responded about Account ending XXXX the second mortgage $XXXX. Every complaint concerned the first mortgage foreclosure $XXXX Case No. XXXX. Bank of America responded about the wrong loan to all twenty-four complaints.\nError Two Bank of America stated records indicate Bank of America never serviced and foreclosed on the XXXX XXXX Lien. Certificate of Title Instrument XXXX was issued to Bank of America National Association as successor by merger to XXXX XXXX XXXX XXXX as Trustee. Special Warranty Deed Instrument XXXX was signed by Bank of America National Association as successor by merger to XXXX XXXX XXXX XXXX as Trustee. Bank of America's name is on both instruments. Bank of America cannot claim they never serviced and foreclosed on the first mortgage when their own name appears on the Certificate of Title and the deed.\nError Three Bank of America described Onity Mortgage as an unaffiliated third party. Bank of America authorized XXXX XXXX XXXX XXXX now Onity as their Attorney-in-Fact on Special Warranty Deed Instrument XXXX. A principal cannot describe their own documented Attorney-in-Fact as an unaffiliated third party. Bank of America inserted this paragraph into responses to complaints that never mentioned Onity proving they never read those complaints.\nError Four Bank of America stated their research uncovered no errors in the chain of title. Five required recorded assignments do not exist in XXXX XXXX public records no assignment from XXXX XXXX to XXXX no assignment from XXXX to XXXX no assignment from XXXX to Accredited no assignment from Accredited to XXXX XXXX and no assignment from XXXX XXXX to XXXX XXXX XXXX. XXXX XXXX XXXX produced from XXXX own files the XXXX XXXX Affidavit where XXXX own Assistant Vice President admitted under oath they knowingly used dead XXXX on the void assignment for convenience not legal authority. Bank of America's finding of no errors directly contradicts XXXX own sworn confession produced by XXXX from their own files.\nError Five Bank of America admitted they charged off the second mortgage Account ending XXXX on XXXX XXXX XXXX with a balance of $XXXX before XXXX bankruptcy was filed XXXX XXXX XXXX. If Bank of America charged off the second mortgage before the bankruptcy they recognized no secured interest before the discharge. Yet Bank of America signed the deed selling XXXX home for $XXXX on XXXX XXXX XXXX three months after being discharged as unsecured in federal bankruptcy court violating 11 USC Section 524.\nTHE STRATEGIC INTENT:\nBank of America waited nearly two months extending every deadline then responded to all twenty-four complaints simultaneously on XXXX XXXX XXXX with one identical boilerplate response. This was a deliberate institutional strategy designed to close all twenty-four complaints simultaneously while overwhelming XXXX with simultaneous responses. XXXX submitted tailored feedback on every single complaint documenting the specific errors in each one. Twenty-four sets of documented corrections are now permanently on the official CFPB record alongside Bank of America's twenty-four identical boilerplate non-responses.\XXXX is one of the original founding employees of XXXX XXXX XXXX who spent 22 years building that company. He was professionally trained by some of the most accomplished business people in American history. He understood exactly what Bank of America attempted. It failed.\nTHE DODD-FRANK ACT VIOLATION:\nBank of America's systematic pattern of giving identical boilerplate responses that never address specific documented issues never reference attached evidence and contain five provable factual errors constitutes an unfair and deceptive practice under 12 USC Section 5536 of the Dodd-Frank Act. The CFPB is mandated by 12 USC Section 5531 to take action when unfair and deceptive practices are documented. Twenty-four identical boilerplate non-responses each containing five provable errors each ignoring completely different specific evidence is the most documented pattern of systematic unfair and deceptive conduct in CFPB complaint history. XXXX respectfully demands that the CFPB refer this documented pattern to its enforcement division as mandated by the law that created the CFPB.\XXXX has 51 active CFPB complaints. Seven Democratic members of the Senate Banking Committee have been briefed including Senator XXXX XXXX. XXXX XXXX Corporation produced from XXXX own files XXXX sworn confession that they knowingly used dead XXXX on the void assignment for convenience. XXXX XXXX XXXX was XXXX XXXX XXXX when his home was sold. The consequences have continued for 16 years and 4 months. Case No. XXXX XXXX XXXX Circuit Court. Bankruptcy Case No. XXXX XXXX XXXX XXXX XXXX XXXX will not go away."

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