Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
CFPB MULTI-RESPONDENT COMPLAINT ( Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SUMMARY OF COMPLAINT I am requesting CFPB investigation and full corrective action regarding : ( 1 ) A fully paid, fully reconveyed mortgage chain that continues to be exploited by multiple servicers ( BoA XXXX XXXX XXXX 

( 2 ) False, invalid, or fabricated liens and modifications created after all underlying liens were reconveyed. 

( 3 ) Title corruption involving XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX. 

( 4 ) XXXX  maintaining an active mortgage-on-file and collecting escrow/tax payments years after lien extinction. 

( 5 ) Misdirected deeds, false APNs, and cross-county registration errors contaminating my title, tax records, credit, and property rights. 



All evidence is organized in the MASTER EXHIBIT INDEX MULTI-RESPONDENT SUBMISSION attached to this complaint. 

1. ALL UNDERLYING LIENS ARE EXTINGUISHED, BUT SERVICERS CONTINUE TO ACT AS IF THEY EXIST A. Verified Releases of All XXXX Liens ( 4 Total ) Evidence exhibits A-1 through A-5 document : XXXX. XXXX XXXX XXXX clears XXXX DOT. 

XXXX. XXXX XXXX XXXX XXXX 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirming extinction of the {$360000.00} XXXX mortgage XXXX 

XXXX. XXXX XXXX XXXX for the {$21000.00} and {$63000.00} XXXX loans XXXX 



All XXXX liens are extinguished. 



B. Bank of America Confirms Its Lien is Released BoAs XX/XX/XXXX letter states : A copy of BoAs lien release was sent to the XXXX XXXX XXXX. 

My case is a linked 1st/2nd ( Tiff XXXX & Tiff XXXX ) mortgage structure. 

All your deeds are being held with HUD. 

XXXX XXXX is not valid. 

2. BANK OF AMERICA CAUSED DOWNSTREAM TITLE/RECORDED-CHAIN DAMAGE A. XXXX XXXX ( of XXXX XXXX & XXXX ) This BoA loan ( tied to XXXX ) is the origin of the HUD structure. 



B. XXXX FHA/HUD Modifications XXXX XXXX and XXXX ) XX/XX/XXXX mod + the {$68000.00} HUD Partial XXXX XXXX XX/XX/XXXX. 

A second mod ( XX/XX/XXXX ) has vanished from HUDs system despite previously appearing. 



C. The 86-Document QC Batch Returned by BoA to XXXX XXXX  The BoA QC sheet identifies 86 documents, including : Multiple unrelated reconveyances Multi-county transfers A PlacerHUD deed ( XXXX ) Documents not associated with my property These documents appear in my loan file, demonstrating cross-county contamination that later helped produce false APNs, title conflicts, and a defective chain that servicers exploited. 

XXXX. XXXX IS ACTING ON A NON-EXISTENT LIEN A. XXXX Modification Never Requested, Never Applied For XXXX created and recorded a modification stating : I was in default ( I was not ) Terms changed ( I never agreed ) It was tied to the reconveyed XXXX BoA lien This constitutes fraudulent servicing, UDAAP violations, and Reg X/TILA violations. 



B. Escrow Inflation and Interest-Only Payment Scheme XXXX : Raised escrow ~ $ XXXX Can not explain tax or insurance charges Has repeatedly reported new modifications to credit bureaus every year Continues to bill as if a mortgage exists, even though BoA and reconveyances prove no lien exists XXXX XXXX Misrepresentation Emails ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX : Claimed they had no XXXX mods. 

Then emailed me both XXXX modifications signed. 

Then sent a follow-up email stating the XX/XX/XXXX email was not intended for me and I should disregard it. 



This is evidence of : Document suppression Internal record manipulation Validation of debt misrepresentations XXXX. XXXX CHAIN FAILURE ENRICHED XXXX XXXX XXXX XXXX XXXX XXXX Reconveyance Yet later : XXXX wrote to me XXXX XX/XX/XXXX claiming they can not locate the account. 



This demonstrates : The lien is nonexistent, The chain is broken, The data is corrupted, Yet XXXX continues enforcing it. 

5. TITLE COMPANIES AND COUNTY ACTIONS CREATED FALSE APNs & WRONGFUL DEEDS A. XXXX XXXX Fraudulent Deeds A fraudulent grant deed recorded my own metes & bounds under another party. 

A correctory deed returned only part of the land. 

This was attached to false XXXX XXXX from PM XXXX. 



B. XXXX XXXX XXXX XXXX ( true map ) overwritten by PM XXXX alterations. 

XXXX XXXX ( XXXX XXXX ) moved from west side to east side ( my land ). 

XXXX XXXX Tax Map confirms the false placement. 



XXXX XXXX Reports XXXX XXXX XXXX  ( phantom parcel ) XXXX XXXX XXXX  ( mis-situs ) Both tie to my APN lineage . 



D. Reason Farms Document XXXX My XXXX APN appears in XXXX XXXX pages. 

Shows cross-county grafting of my APN into foreign parcels. 

XXXX. XXXX  IS STILL COLLECTING MONEY ON A PAID-OFF PROPERTY XXXX  is accepting tax payments and reporting an active mortgage status years after all liens were reconveyed. 



This directly feeds XXXX system and supports the continuation of an invalid lien.

7. HARMS TO ME My fully paid home remains clouded with false liens.

Unauthorized servicers report false modifications and delinquencies. 

Title fraud has removed large portions of my deeded land. 

County/APN fraud has stripped me of easements, taxable acreage, and revenue rights. 

Loss of financial opportunities, loss of access to equity, and multi-year economic harm. 

Emotional, physical, and financial distress from managing what should have been BoAs responsibility. 

XXXX. WHAT I AM REQUESTING A. For CFPB to Order Respondents to : XXXX XXXX lien entirely Based on : BoAs own lien release XXXX reconveyances Broken chain Fraudulent XXXX modification Absence of valid underlying debt Correct all HUD records Restore missing XX/XX/XXXX mod Correct or extinguish the {$68000.00} partial claim Align HUD chain with verified reconveyances Order Bank of America to cure the chain of title Record missing releases Correct indexing Provide complete accounting and payoff history Order XXXX to provide full chain evidence Including trust-level data and servicing transfers Order CoreLogic to cease reporting an active mortgage Correct tax flows Provide record of all money taken Stop servicing an extinguished lien Order title companies to correct mapping errors & false APNs Reinstate PM XXXX / APN XXXX Remove XXXX XXXX overlay XXXX APN XXXX XXXX Correct role in fraudulent deeds Require full restitution for damages and loss of property rights As documented in my XXXX Restitution Memorandum ( Exhibit XXXX ) XXXX. ENCLOSURES ( UPLOADED AS PDF ) MASTER EXHIBIT INDEX MULTI RESPONDENT ( Contains all exhibit numbers AH described above. ) CLOSING Every lender involved acknowledges that the debts are fully paid. 

Every reconveyance is already recorded. 

Bank of Americas XXXX letter confirms no lien remains. 

Yet falsified servicing, fabricated modifications, and corrupted title records continue to harm me. 



I request CFPB to intervene and require all respondents to correct the record, restore my rights, cease false collection/servicing, and provide restitution.

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