Consumer complaint received 2025-06-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is a complex situation involving multiple foreclosure sale dates and " heirs ' property, '' especially with 99 payments of heirs on the tax document. This strongly suggests that the property is " heirs ' property, '' which means multiple personal members likely have an ownership interest due to inheriting the property without a clear will or proper probate. 
Here 's a breakdown Understanding the Key Issues of having a Heirs ' Property : without having any knowledge of being a party of a Fractionated Ownership : We have learned that Without a clear will or probated estate, ownership of the property is often divided among many heirs, sometimes in very small, indivisible shares. 
Clouded Title : This lack of clear legal documentation for ownership ( a " tangled title '' ) makes it difficult to sell, mortgage, or even manage the property.This complicated the Vulnerability to the Foreclosure of two separate dates of a Forclosure one sale date recorded XX/XX/XXXX and the other being XX/XX/XXXX. We have recently learned that we were had an Heirs ' property and is highly vulnerable to tax foreclosures because it's hard to track who is responsible for taxes, and often, notices don't reach all heirs. 
Tax Payments by Heirs : The " 99 payments of Heirs on the Taxes Document '' is a significant red flag that multiple people ( likely heirs ) have been attempting to pay taxes, indicating a shared, but possibly unformalized, ownership. This could also mean some heirs have been paying more than their share and might have a claim for reimbursement. 
Multiple Foreclosure Sale Dates ( XX/XX/XXXX and XX/XX/XXXX ) : This is highly unusual and suggests potential irregularities in the foreclosure process. 
It could indicate that the first sale was somehow flawed or canceled, or there are multiple liens ( e.g., a mortgage foreclosure and a tax foreclosure ) proceeding simultaneously. 
It's crucial to determine which entity initiated each foreclosure and for what reason ( e.g., unpaid mortgage, unpaid property taxes, other liens ). 
What we needed to Do Immediately : DO NOT IGNORE ANYTHING. Even if we thought that we have been paying taxes through our Mortgaged Package that we signed XX/XX/XXXX, there was no official notices to indicate that the Taxes were not being paid.We had XXXX Audits that never had no notice of Property Taxes issues because they were being transferred and paid timely as usual.Now we have Gather All Documents : Any and all foreclosure notices received, including those just discovered for both sale dates. 
The tax documents showing the " 99 payments of Heirs. '' Any deeds, wills, or probate documents related to the property and Us the original owner.There was not any correspondence from the mortgage company, tax authority, or any other lienholders that determine the Nature of the Foreclosures : Date of XX/XX/XXXX The only Identify the Foreclosing Parties were XXXX XXXX XXXX XXXX XXXX Who sent the notices for each sale date? But there wasn't one for the county tax authority, or another entity ( e.g., an HOA, another lienholder )?

Identify the Basis for Foreclosure : Is it for unpaid property taxes, or something else?

Consult with an Attorney IMMEDIATELY : This is the MOST important step. We realized now that we need a lawyer specializing in real estate, probate, and ideally, heirs ' property or foreclosure defense.We can now investigate the validity of both sale dates, which could be a critical point for legal challenge. 
They can help clarify the ownership structure of the heirs ' property and whether probate needs to be initiated or completed. 
Potential Actions an Attorney Might Explore : Stopping a Wrongful Foreclosure ( s ) : Challenging Irregularities : If there are two sale dates, there might be procedural errors that could invalidate one or both foreclosures.

Quiet Title Action : This is a legal proceeding to establish clear ownership of the property, which is essential for heirs ' property.

Partition Action ( Risky ) : While any heir can force a sale of the property through a " partition action, '' this often results in the property being sold for less than market value and can be detrimental to our family. Newer laws like the Uniform Partition of XXXX XXXX XXXX ( XXXX ) aim to provide more equitable outcomes in such cases. 
Agreement Among Heirs : If possible, all heirs should try to come to an agreement on how to manage the property, including paying taxes and addressing the foreclosure. 
Why the " 99 payments of Heirs '' is Important : This detail suggests a history of attempts to keep the property, possibly by various unknown members contributing to the taxes.. It also raises questions about who has been paying what and whether those payments were properly credited.

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