Consumer complaint received 2026-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This complaint presents new evidence two IRS Form 1098 Mortgage Interest Statements issued by XXXX XXXX XXXX for tax year XXXX that directly contradicts the void Assignment of Mortgage Instrument XXXX used to foreclose on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX and the Special Warranty Deed Instrument XXXX signed by Bank of America as Trustee for XXXX XXXX XXXX. IRS Form 1098 Number One Account ending in XXXX first mortgage beginning principal balance {$160000.00} ending balance {$0.00} as of XX/XX/XXXX mortgage interest paid {$2000.00} issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IRS Form 1098 Number Two Account ending in XXXX second mortgage beginning principal balance {$56000.00} ending balance {$0.00} as of XX/XX/XXXX mortgage interest paid {$1000.00} issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Both IRS Form 1098 documents confirm the following facts under federal tax reporting law. Fact XXXX XXXX XXXX XXXX held XXXXXXXX XXXX mortgages under account numbers ending in XXXX and XXXX during tax year XXXX. These are the legitimate IRS-reported account numbers for XXXXXXXX XXXX XXXXXXXX. Fact Two Both accounts showed XXXX ending balances at XX/XX/XXXX. XXXX reported to the IRS that it no longer held XXXX 's mortgage debt as of the end of XXXX. XXXX XXXX XXXX dissolved on XX/XX/XXXX confirmed by California Secretary of State Certificate XXXX bearing the Great Seal of California. The XXXX balances coincide exactly with XXXX dissolution date. Fact Three XXXX XXXX XXXX XXXX which appears on both void Assignment of Mortgage Instrument XXXX and Special Warranty Deed Instrument XXXX does not appear on either IRS Form XXXX issued by XXXX. The number XXXX has no IRS reporting history with XXXX XXXX XXXX. It is a fabricated number created by XXXX XXXX XXXX XXXX now XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with no connection to XXXXXXXX XXXX actual mortgage accounts as documented in federal tax records. Fact Four There is no recorded assignment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX records. When XXXX merged into XXXX on XX/XX/XXXX XXXXXXXX XXXX mortgages should have transferred to Accredited by operation of law. Instead void Assignment Instrument XXXX shows XXXX a company dead for 17 months signing directly to XXXX XXXX in XX/XX/XXXX completely bypassing XXXX XXXX XXXX as the legitimate successor. The chain of title is broken at the very first link after the original origination. Fact Five XXXX reported a XXXX balance on XXXXXXXX XXXX first mortgage to the IRS at XX/XX/XXXX. Yet void Assignment Instrument XXXX signed XX/XX/XXXX purports to assign that same first mortgage to XXXX Bank for {$160000.00}. A debt that XXXX reported to the IRS as having a XXXX balance in XXXX can not be legitimately assigned for {$160000.00} in XXXX. The IRS Form 1098 and the void assignment are directly inconsistent both can not be accurate simultaneously. Bank of America signed Special Warranty Deed Instrument XXXX as Trustee for XXXX XXXX XXXX on XX/XX/XXXX selling XXXX XXXX XXXX for {$78000.00}. That deed was based on the void assignment which was based on a fabricated loan number which has no connection to XXXXXXXX XXXX actual XXXX mortgage accounts. Bank of America as Trustee signed a deed conveying property based on a chain of title that is directly contradicted by federal IRS tax records. XXXX has 40 active CFPB complaints. His son XXXX was XXXX XXXX XXXX when his home was sold. The consequences have continued for 16 years and 4 months. 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