Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX, as the loan servicer for Bank of America, sent a letter to my attorney stating that during the investigation and resolution of this matter, mandatory pre-foreclosure notices may still occur. This implies that the home was in pre-foreclosure status during the investigation process of fraud involving a number of different entities. However, in Bank of America 's response to other federal investigations, they had stated that they relinquished any and all interest in the loan in XXXX when they transferred servicing so were not responsible for the actions of XXXX XXXX. 

On XX/XX/XXXX, security cameras on my property revealed a couple breaking in through the locked gated property, breaking in through the window of the studio occupied by a renter since XXXX, taking mail and other items and changing the locks, locking out the renter. The renter filed a police report and changed back the locks. Several weeks later a note was taped to the front gate bribing the renter with {$30000.00} to almost immediately vacate the property. This was on the letterhead of XXXX XXXX. With that letter was a card from a realtor with a photo on it. The photo revealed that this was the person who broke into the property. In XXXX XXXX 's response on a federal investigation regarding this, they falsely stated this was merely an inspection but would not produce the name of the inspector or the license number. Inspectors do not break into properties, steal mail and other items and change locks. 

XXXX XXXX was found falsifying and altering information and inspection reports regarding work done on my home that was XXXX XXXX XXXX XXXX XXXX XXXX years ago. For XXXX XXXX XXXX XXXX XXXX bombarded me and my attorneys with hundreds of pages of documents but never what we requested which would confirm their fraud. Over XXXX XXXX later they decided to then state that they're not obligated to provide inspection reports for which I was charged or information they falsely stated that occurred claiming I called them and requested a new inspection because I did not like the inspection results from XX/XX/XXXX that revealed enough work had been done in XXXX for them to have released more rebuild money to me to continue repairing my home. The inspector advised me that they're not allowed to falsify or alter his reports without both he and the witness or homeowners signing off on it. The XXXX XXXXXXXX XXXX XXXX XXXX confirmed that information and that this is not confidential as XXXX XXXX, XXXX XXXXr later began to claim to withhold the information. The inspection report from XX/XX/XXXX was signed by the inspector and a witness. XXXX XXXX falsified information to conceal their fraud and then withheld that information. As a result of XXXX XXXX 's delays and falsifying documents and information, I had to stop making payments in XXXX as the home was sitting burned out, still has a temporary power pole sitting on it and a storage unit containing items that were salvaged XXXX XXXX XXXX and items of the renter who has been helping care for the property. Although XXXX XXXX continues to give conflicting information where they stated they auctioned the property on XX/XX/XXXX, they then changed that story and a property report revealed XXXX XXXX transferred title to Bank of America on XX/XX/XXXX in spite of the fact that Bank of America stated in other Federal investigations that they relinquished any and all interest in the loan in XXXX. But then on XX/XX/XXXX XXXX XXXX sent a letter stating that while investigations and a resolution were occurring, mandatory pre-foreclosure notices may still occur advising that the home was in pre-foreclosure status. 

XXXX XXXX and Bank of America 's realtor who broke into the property, broke into the window of the studio, took mail, changed the locks, and attempted to bribe the renter, then proceeded with posting a for sale sign on the property. I sent a cease and decist email and the sign immediately came down. The realtor listed the property for sale as a private listing on her website. I advised her to remove it while investigations were pending and the listing came down. We then discovered that the same realtor had my property listed on a website for an online auction company called XXXX. The only way to contact them was through an online chat. I advised them that while nvestigations were occurring to immediately remove the listing. The online chat advise that the bank instructed them to list the home. This was in spite of the fact that there were open investigations with federal agencies. The online chat instructed me to contact their XXXX XXXXXXXX, XXXX XXXX. They provided the email address and phone number. I emailed XXXX XXXX and received a reply from a different email address, XXXX by someone named XXXX XXXX stating they were looking into this. I never heard from them again. The XXXX also has open investigations and emailed me to file complaints against both the realtor and XXXX with the XXXX XXXXXXXX XXXX XXXX which I did. 
All of these entities are working with Bank of America who may or may not have been given title to the property by XXXX XXXX or may or may not have transferred title to other entities. In addition, the money from XXXX XXXX was paid directly into my escrow account that has been held for XXXX XXXX XXXX with interest that should have accrued and has never been accounted for. 
Lastly, a number of different people have been harassing my renter by phone, not providing their names and claiming they own the property. A number of different people have also been seen on security cameras banging on the gate and trying to enter the property. I'm requesting this activity immediately stop.

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