Consumer complaint received 2025-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Re : New Complaint Against Bank of America , N.A . 
Product : Mortgage Issue : Struggling to pay mortgage Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX My Information : XXXX XXXX, XXXX, XXXX Subject : URGENT - Bank of America Must Prove Authority or Halt Illegal Foreclosure on $ XXXX Property with $ XXXX Equity COMPLAINT SUMMARY Bank of America has been identified by XXXX XXXX XXXX XXXX XXXX XXXX as the alleged " Master Servicer '' with decision-making authority over my loan in CFPB Case XXXX. However, Bank of America has never communicated with me directly despite allegedly controlling my loan for over a decade. With an official appraisal confirming my property value at {>= $1,000,000} and a loan balance of approximately {>= $1,000,000}, this represents {$2.00} XXXX in equity that Bank of America is attempting to seize through an illegal foreclosure proceeding. 

OFFICIAL APPRAISAL CONFIRMS MASSIVE EQUITY POSITION I have attached an official XXXXcompliant appraisal report ( XXXX XXXX, XX/XX/XXXX ) establishing market value at {>= $1,000,000} : Original Loan ( XXXX ) : {>= $1,000,000} Current Balance : ~ {>= $1,000,000} Official Current Market Value : {>= $1,000,000} Total Equity : Over {>= $1,000,000} This massive equity position makes foreclosure unconscionable and suggests predatory targeting of valuable real estate owned by a vulnerable, XXXX senior citizen. 

CONTRADICTORY OWNERSHIP CLAIMS AND STANDING ISSUES The entities involved in my loan are engaging in a deliberate shell game : XXXX. XXXX XXXX XXXX states in writing ( XX/XX/XXXX ) : " the owner of your loan is XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX '' XXXX. XXXX XXXX claims in their CFPB response : " Bank of America , N.A . is the Master Servicer '' with decision-making authority 3. Bank of America has never directly communicated with me despite allegedly being the decision-maker This case exhibits classic " DOA - Dead on Assignment '' characteristics common in securitized debt. When mortgages are pooled into trusts like XXXX XXXX XXXX, proper documentation of assignments is required to establish standing to foreclose. The securitization process fundamentally changes ownership. 

SYSTEMATIC LEGAL VIOLATIONS As the alleged Master Servicer, Bank of America is responsible for violations occurring under their authority : FORECLOSURE FRAUD : The foreclosure is proceeding under incorrect names " XXXX and XXXX XXXX '' when our legal names are " XXXX XXXX XXXX and XXXX XXXX '' ( legally changed in XXXX ). This renders the entire proceeding void and constitutes document fraud. 

RESPA VIOLATIONS : Illegal dual-tracking where XXXX  promised loan modification while authorizing foreclosure. Failure to respond properly to qualified written requests within required timeframes under S

ection 2605 ( e ). FDCPA VIOLATIONS : False representation of debt owners
hip and authority under Sections 1692e and 1692f. Threatening foreclosure without proper legal standing. Using incorrect debtor names in collection attempts. 

ELDER ABUSE ( California Law ) : As a XXXX XXXX homeowner on $ XXXX Social Security, the coordinated campaign by multiple servicers targeting my {$2.00} XXXX equity constitutes elder financial abuse. 

TILA VIOLATIONS : Failure to disclose true creditor in securitized trust structure. Improper fee assessments and interest calculations without proper ownership documentation. 

POST-BANKRUPTCY VIOLATIONS : Given my XXXX  XXXX discharge in XXXX, continued collection efforts may violate the discharge injunction under 11 U.S.C. Section 524. 

SECURITIZATION STANDING CHALLENGES This securitized mortgage in XXXX XXXX XXXX creates fundamental legal questions : - Does Bank of America have legal standing to foreclose? 
- Were proper assignments made to the trust? 
- Do trust documents authorize the claimed Master Servicer arrangement? 
- Can Bank of America prove ownership of the debt? 

When XXXX  XXXX XXXX securitized this debt by selling it to the trust, the original creditor relationship was severed. Bank of America must prove proper assignment chain from originator to trust to establish standing, similar to the requirements established in debt collection cases involving securitized consumer debt. 

PREVIOUS CFPB COMPLAINTS DEMONSTRATE PATTERN - Case XXXX : XXXX XXXX deflected responsibility to Bank of America XXXX XXXX XXXX : XXXX  claimed XXXX XXXX is owner XXXX XXXX XXXX : XXXX XXXX systematic elder abuse allegations Each entity claims someone else is responsible while illegal foreclosure proceeds against property with massive equity. 

IMMEDIATE DEMANDS I demand Bank of America immediately : 1. HALT ALL FORECLOSURE ACTIVITY given the procedural defects and massive equity position 2. PROVIDE COMPLETE DOCUMENTATION of their alleged Master Servicer authority including : - Relevant sections of the Pooling and Servicing Agreement for XXXX XXXX XXXX - Complete chain of title from XXXX XXXX XXXX to the trust - All assignment documents proving legal standing to foreclose 3. CORRECT FRAUDULENT DOCUMENTS by withdrawing the Notice of Default filed under incorrect " XXXX '' names and updating all records to legal names " XXXX XXXX XXXX and XXXX XXXX '' 4. PROVIDE GOOD FAITH LOAN MODIFICATION reflecting the {>= $1,000,000} property value, my XXXX income of $ XXXX Social Security , and elimination of improperly assessed fees 5. CEASE ALL NEGATIVE CREDIT REPORTING pending resolution MONETARY DAMAGES Based on systematic violations targeting my massive equity position : - {$100000.00} in overcharged and improperly assessed fees - {$200000.00} in emotional distress from prolonged foreclosure threats- Statutory damages under FDCPA ( {$1000.00} ), TILA ( up to {$4000.00} ), and California elder abuse laws- Attorney 's fees and medical expenses related to this prolonged ordeal REGULATORY ESCALATION REQUESTED I request the CFPB : 1. Compel Bank of America to either prove their Master Servicer authority through complete documentation or immediately disclaim responsibility 2. Investigate this as a pattern of deceptive practices under 12 CFR 1024 ( RESPA compliance ) and 12 CFR 1002 ( fair lending ) 3. Refer to California Department of Financial Protection and Innovation and Office of the Comptroller of the Currency for enforcement action 4. Treat as coordinated elder abuse by multiple financial institutions targeting high-value properties owned by vulnerable consumers URGENCY As a vulnerable, elderly, XXXX consumer with over {$2.00} XXXX in property equity, I can not continue being shuffled between entities while facing illegal foreclosure under incorrect names. Bank of America must either accept responsibility as Master Servicer or definitively disclaim authority so I can pursue the correct entity. 

The massive equity makes foreclosure particularly predatory and suggests servicers are more interested in seizing valuable real estate than providing reasonable modifications to XXXX seniors. This pattern of corporate responsibility-shifting while targeting vulnerable consumers demands immediate regulatory intervention. 

If Bank of America truly has Master Servicer authority as XXXX XXXX claims, they can not hide behind other servicers while violations occur. If they lack such authority, they must immediately clarify their role to end this deliberate confusion designed to prevent accountability. 

I reserve all rights to pursue private legal action and request immediate CFPB intervention to halt this predatory seizure of a multi-XXXX  dollar asset from a vulnerable consumer. 







Thank you for urgent attention to this matter. 

Sincerely, 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