Bank of America Mortgage Complaint

Bank of America Mortgage department,

Other mortgage Loan modification,collection,foreclosure California

Bank of America has represented to me multiple times and as recently as - -, - the assigned dedicated single point of contact ( SPOC ) issued the Making Home Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) denial letters on appeal. This is in violation of MHA HAMP guidelines and the National Mortgage Settlement ( NMS ) enforced by the Consent Judgement Order of - -, -. Just to be clear, the SPOC may not conduct reviews on escalated cases including, but not limited to, appeals and incorrect denials upon completion of an initial review. On - -, - Bank of America represented to me my home and property has been sold on - -, -. This must refer to the Trustee 's Sale at public auction of - -, -. I have informed Bank of America of my continued property occupation and possession prior to the recording of the Notice of Trustee 's Sale ( NTS ) and sale date through a claim of right and by color of title, and virtue of property tax payments for sixty continuous months, concurrently.


Causes of Action and applicable state and federal law : 1 ) Intentional infliction of emotional disstress. 2 ) Negligent infliction of extreme emotional disstress. 3 ) Fraudulent infliction of gross emotional disstress and stress. 4 ) Intentional misrepresentation on a mortgage or Deed of Trust. 5 ) Negligent misrepresentation on a mortgage or Deed of Trust. 6 ) Fraudulent misrepresentation on a mortgage or Deed of Trust. 7 ) Unfair, poor and deceptive practices. 8 ) Mortgage negligence. 9 ) Mortgage fraud. 10 ) Modification negligence. 11 ) Modification fraud. 12 ) Foreclosure negligence. 13 ) Foreclosure fraud. 14 ) California 's Unfair Competition Law ( UCL ) Claim. 15 ) Privacy Act. 16 ) Racketeer Influenced Corrupt Organizations ( RICO ) Act. 17 ) Real Estate Settlement Procedures Act ( RESPA ( enforced by Regulation - ) ). 18 ) Truth In Lending Act ( TILA ( enforced by Regulation Z ) ). 19 ) National Mortgage Settlement ( NMS ). 20 ) California Homeowners Bill of Rights ( CalHBOR ), California Civil Code Section 2920 - 2944.10. 21 ) California Business and Professions Code. 22 ) Title 12 United States Code Chapter 28 - Emergency Mortgage Relief. 23 ) Making Home Affordable ( MHA ) Act. 24 ) Home Affordable Modification Program ( HAMP ). 25 ) Rosenthal Act. Continued in Desired Resolutions portion of complaint.