Bank of America Mortgage Complaint

Bank of America Mortgage department,

Other mortgage Loan modification,collection,foreclosure California

Bank of America broke the rules. Bank of America has defrauded me and the bona fide purchasers of my home and real property. In the Bank of America letter of -/-/- issued through their legal counsel, Bank of America represents and claims I was denied MHA HAMP and a MHA HAMP TPP on appeal in -/-/- and -/-/- based on th initial review of RMA applications. The referenced Bank of America - letters are NOT denial decisions on appeal. The referenced Bank of America - leters are, in fact, the required written resolution letters on lodged escalated cases. The -/-/- response was issued in resolution of the -/-/- CFPB case number - detailing actions taken on the account to date at that time and is not a decision on appeal. When Bank of America represents to me this CFPB response is a determination on appeal, they are making a misrepresentation on a mortgage, Deed of Trust, and real property. The -/-/- response was issued in resolution of an in-house esalated case and complaint


Bank of America has a whole department staffed with qualified personnel whose sole purpose is to conduct reviews on timely requested appeals. Even Bank of America 's legal counsel ca n't tell the difference between ( and is unfamiliar with what is ) a SPOC/CRM issued correspondence and what that represents, what is a boiler plate template piece of correspondence generated through an automated system by document processing personnel, and what is a denial letter on appeal. It is costly and unfortunate Bank of America is allowing their legal counsel to be so mislead and, therefore, allowed to make misrepresentations to me. Whenever an appeal review is conducted, an Appeal Report is generated by the Appeals Specialist who conducted the review detailing their findings and determination on appeal. To date, Bank of America has produced only one ( 1 ) such document evidencing an appeal was actually conducted. I am the only constant player in this whole ordeal. No one knows better than I the who, the what, the how, and the why of what went down from start to finish during and throughout the loss mitigation processes. I have told the whole of it within - Bank of America CFPB complaints ( - if you count the one I lodged against - as a debt collector ). All previously mentioned resolutions are desired and mandatory and are to include every single Appeal Report generated associated with this account to date evidencing an appeal review was, in fact, conducted and completed.