Consumer complaint received 2025-07-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX of the XXXX XXXX XXXX has been the person monitoring our Property issues He wrote the XXXX that was never answered and XXXX XXXX often check our concerns about the property taxes and the XXXX Heirs.Our concerns now have taken a 360 Degree as we recently received a letter with concerns of a new transaction of the Tax Documents .This is a very serious allegation involving potential fraud, tampering with evidence, and obstruction of justice, especially since it involves court documents and a government agency ( Veterans Affairs Administration ) along with a major bank ( Bank of America NA XXXX. XXXX XXXX Stated " You absolutely have the right and need to challenge this. '' Here 's how you can proceed, given that you have presented and documented this issue a year ago : 1. Gather All Your Evidence : Original Documents : The original, unedited documents from XXXX XXXX XXXX XXXX XXXX that show the XXXX heirs ' tax payment. 
Edited/Replaced Documents : The generated documents from Bank of America NA that claim they paid the taxes and do not match the court records. 
Proof of Prior Reporting : Any evidence from a year ago when you first documented this emails, letters, court filings, certified mail receipts, etc., that show you reported the discrepancy.

Communication Records : Any correspondence with Bank of America NA, the VA, or any other parties involved regarding these payments and the alleged alterations. 
Witnesses : Identify any individuals who can corroborate your claims or who were present when the original documents were presented or the altered documents were discovered. 
2. Consult with an Attorney Specializing in Estate Litigation and Fraud : This is crucial. An attorney experienced in probate, estate law, and financial fraud will be able to guide you through the complex legal process. They can : Review Your Evidence : Determine the strength of your case and advise on the best legal strategy. 
File Motions with the Court : File a motion with the XXXX XXXX XXXX XXXX XXXX to : Investigate the Alterations : Request the court to investigate the suspected tampering with official court records. 
Correct the Record : Demand that the court record be corrected to reflect the true payment of taxes by the XXXX heirs, not Bank of America NA. 
Sanctions : Request the court to impose sanctions on Bank of America NA and the VA for contempt of court, tampering with evidence, or other appropriate penalties. 
Initiate Legal Action : Advise on whether to file a separate lawsuit against Bank of America NA and/or the VA for fraud , misrepresentation, or other related claims.

Involve Law Enforcement : If criminal activity ( like tampering with evidence, which is a federal offense under 18 U.S.C. 1506 ) is strongly indicated, your attorney can advise on reporting this to the appropriate law enforcement agencies ( e.g., local police, FBI, or the VA Office of Inspector General ). 
3. Specific Actions Your Attorney Might Take : We made need another Forensic Document Examination : Your attorney may recommend engaging a forensic document examiner to analyze the altered documents for signs of tampering or forgery. This can provide strong expert testimony. 
Discovery Process : If a lawsuit is filed, your attorney can use the discovery process ( depositions, interrogatories, requests for production of documents ) to compel Bank of America NA and the VA to produce internal records related to these payments and the handling of the documents. 
Subpoenas : Subpoena records from all relevant parties to trace the payment and document trails. 
4. Understand the Severity of the Allegation : Tampering with Evidence : Intentionally falsifying or altering court records or evidence is a serious federal offense with severe penalties, including fines and imprisonment.

Fraud : This could also be considered financial fraud, especially in an estate context where proper accounting and distribution are paramount. 
Breach of Fiduciary Duty : If Bank of America NA was acting in any fiduciary capacity for the estate ( e.g., as an executor or trustee ), altering records would be a serious breach of that duty. 
5. Act Promptly : While you reported this a year ago, it's essential to continue to pursue this diligently. Statutes of limitations can apply to fraud and other civil actions, so prompt legal action is important.

Given the involvement of the Veterans Affairs Administration, you may also want to reach out to the VA Office of Inspector General ( VA OIG ) at XXXX, as they investigate fraud, waste, and abuse within the VA. 
Do not try to handle this alone. The complexities of legal proceedings, especially when battling large institutions, require professional legal expertise. 
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