Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Here is your complaint reformatted exactly as written into CFPB-appropriate text submission format ( single-block narrative, no markdown, no headings formatting required by the CFPB web form ) XXXX 
No wording changed. 
Just copy/paste into the CFPB complaint text box. 



NEW CFPB COMPLAINT - BANK OF AMERICA False Statements to Regulators & Cover-Up of Known Violations Company : Bank of America , N.A . 
Product : Mortgage Issue : False statements to CFPB, obstruction, cover-up of VP-level admission Related Cases : XXXX & XXXX ( BoAs response reveals NEW violations ) NEW VIOLATION : FALSE STATEMENTS TO CFPB XX/XX/XXXX : Bank of Americas response to prior CFPB complaints contains demonstrable false statements, selective evidence disclosure, and contradicts their own XXXX XXXX internal investigation where they ADMITTED wrongdoing. This constitutes a SEPARATE violation requiring investigation. 

BOAS FALSE STATEMENTS TO CFPB 1. FALSE STATEMENT : No Evidence of Wrongdoing BoA Claims : We found no evidence of Bank error, intentional misrepresentation, or violations THE TRUTH : XXXX XXXX, Senior VP XXXX XXXX XXXX XX/XX/XXXX, managesXX/XX/XXXX investigated my complaint. BoA compliance representatives ADMITTED wrongdoing and recommended I contactXX/XX/XXXX ( foreclosure defense firm ), stating legal action required to remedy their error. I have preserved voicemails from XXXX XXXX ( XX/XX/XXXX, XXXX, XXXX, XXXX ). 
2. FALSE STATEMENT : Selective Call Review BoA Claims : Reviewed the call interaction from XX/XX/XXXX and found no promise. 
THE TRUTH : I have preserved XXXX voicemail messages from multiple BoA representatives proving extensive contact : XXXX XXXX XXXX XXXX voicemails XXXXXX/XX/XXXX. I made 24-36 calls XXXX XXXX repeatedly stating I would pay with XXXXXX/XX/XXXX if denied assistance. BoA cherry-picked one call while ignoring dozens of documented interactions. This is bad-faith investigation designed to mislead CFPB. 
3. FALSE STATEMENT : Concealed Property Valuation BoA Disclosed : XX/XX/XXXX appraisal {$800000.00} ; XX/XX/XXXX appraisal {$860000.00}. 
WHAT BOA CONCEALED : XX/XX/XXXX valuation {$660000.00} ( BoA sent it to me but hid it from CFPB ). Selective disclosure used to legitimize their actions while concealing lower valuation that proves equity stripping. 
4. FALSE STATEMENT : Timeline Contradictions BoA Claims : Foreclosure completed XX/XX/XXXX and Loan referred to foreclosure XX/XX/XXXX. 
Problem : How is referral after completion? This 12-day contradiction shows either fabricated dates or lack of accurate records. 
BoA Also Claims : Modification review closed XX/XX/XXXX while also admitting foreclosure initiated XX/XX/XXXX. 
Problem : This admits RESPA dual tracking violation ( foreclosed with modification active ). 

WHAT BOAS RESPONSE CONCEALED 1. RESPA VIOLATION PROOF : XX/XX/XXXX modification letter requesting documents ( deadline XX/XX/XXXX ). Three days later on XX/XX/XXXX, BoA initiated foreclosure while modification was ACTIVE. BoA omitted this letter from their CFPB response. 
2. XX/XX/XXXX XXXX XXXX BoA investigated at VP level, admitted wrongdoing, and recommended I hire a foreclosure defense attorney (XX/XX/XXXX This proves organizational knowledge of violations. 
3. FEE FRAUD AFTER FINAL PAYMENT : XX/XX/XXXX reinstatement quote {$37000.00} including {$570.00} fee, Good Through XX/XX/XXXX. 
XX/XX/XXXX : I paid in full, BoA credited back {$570.00}. 
XX/XX/XXXX & XXXX, XXXX : BoA added {$860.00} NEW fees AFTER good through date. 
BoA did not disclose this in CFPB response. 

WHY THIS CONSTITUTES OBSTRUCTION Elements : 1. CFPB is an official proceeding.

2. BoA issued false statements contradicting VP findings.

3. Selective evidence used to mislead regulators.

4. Falsehoods materially impact determination of violations. 
BoA is not merely denying allegations ; they are providing demonstrably false information to a federal regulator to conceal known violations. 

DOCUMENTED EVIDENCE BOA REFUSES TO PRODUCE Call recordings BoA has but withholds : complete XX/XX/XXXX recorded call, all calls XXXX XXXX, XXXX XXXX no fees calls. 
XXXX XXXX withheld : complete XXXX XXXX investigation file, internal communications, compliance admissions, documentation of attorney recommendation. 
Documents concealed : XX/XX/XXXX modification letter ; XX/XX/XXXX {$660000.00} valuation ; timeline showing fees added after final reinstatement payment. 

THE ORIGINAL FRAUD SCHEME ( Brief Summary ) XX/XX/XXXX: BoA recommended COVID relief program knowing I was ineligible ( jumbo loan = automatic disqualification ), delayed providing info for 3+ months. 
XX/XX/XXXX : recorded promise of no foreclosure until XXXX. 
XX/XX/XXXX : modification letter with XX/XX/XXXX deadline. 
XX/XX/XXXX : BoA sent info to government ( immediate denial ) and initiated foreclosure SAME DAY while modification active. 
Result : Forced XX/XX/XXXX) liquidation under duressXX/XX/XXXXXXXX penalties ), credit score destroyed ( XXXX to XXXX ), XX/XX/XXXXXXXX credit lines closed. 
XXXX XXXX : VP investigation admitted wrongdoing, recommended attorney. 
XX/XX/XXXX : BoA denied everything to CFPB, hiding documents and giving false statements. 

QUANTIFIED DAMAGES Direct Financial LossesXX/XX/XXXXXXXX. 
Forced XX/XX/XXXX ) penalties/taxes XX/XX/XXXX. 
Legal fees :XX/XX/XXXXXXXX. 
XXXX credit lines XX/XX/XXXX 
Higher interest rates : XX/XX/XXXXXXXX annually. 
Credit score dropped from XXXX to XXXX. 
18+ months inability to refinance. 
Additional harm from BoAs false response : delayed justice, continued credit damage, ongoing financial harm. 

PATTERN OF FALSE STATEMENTS BoA misled me ( XX/XX/XXXX promise, no fees ), then misled CFPB ( denied VP investigation, concealed evidence ). This shows institutional deception. 

LEGAL VIOLATIONS Original : RESPA dual tracking, FDCPA false promises, FCRA violations, UDAP deception. 
New Violations : False statements to regulators, obstruction of investigation, concealment of evidence, bad-faith regulatory response. 

REQUESTED CFPB ACTION Immediate Investigation : Subpoena XXXX XXXX XXXX XXXX file ; subpoena ALL call recordings XXXX XXXX ; require BoA produce XX/XX/XXXX modification letter ; require BoA produce XX/XX/XXXX valuation ; investigate concealment of VP findings. 
Enforcement : Penalties for false statements and obstruction ; management accountability ; consumer restitutionXX/XX/XXXXXXXX. 
Systemic Review : Determine if BoA routinely provides false information to CFPB ; concealment of internal investigations ; pattern of bad-faith responses. 

WHY NEW COMPLAINT IS NECESSARY BoAs XX/XX/XXXX CFPB response revealed NEW violations : false statements, selective evidence obstruction, concealment of VP investigation, concealment of key documents. These are separate and must be investigated independently. 

COORDINATION WITH OTHER REGULATORS Also filing with OCC, Texas Department of Banking, and Texas Attorney General. All agencies receiving evidence of BoAs false CFPB response, concealed documents, and VP investigation proof. 

KEY EVIDENCE SUMMARY I have preserved : 15+ voicemails from BoA representatives including VP ; XX/XX/XXXX modification letter ; XX/XX/XXXXXX/XX/XXXXXXXX valuation ; XX/XX/XXXX statement showing {$860.00} fees added after final payment ; XX/XX/XXXX reinstatement quote ; credit reports ; BoAs contradictory XX/XX/XXXX response. 
BoA has but refuses to produce : XX/XX/XXXX complete recorded call ; XXXX XXXX file ; all XXXX call recordings. 

XXXX Bank of Americas XX/XX/XXXX CFPB response contains demonstrably false statements intended to conceal VP-level admissions of wrongdoing. This is obstruction. VP investigation admitted violations ; BoA told CFPB no evidence ; BoA concealed documents ; BoA provided false timeline information. 
Federal enforcement action is required for false statements to regulators, obstruction, management accountability, and consumer restitution. 
The evidence is irrefutable. 

Submitted By : XXXX XXXX XXXX XXXX : XXXX Date : XX/XX/XXXX Request : Full investigation of BoAs false statements to CFPB and enforcement action for obstruction.

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