Mortgage -- Applying for a mortgage or refinancing an existing mortgage -- Complaint #5936482
Complaint Overview
Complaint ID: 5936482
Company: Bank Of America, National Association
Product: Mortgage
Sub-Product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
State: Indiana
ZIP Code: 46628
Date Received: 2022-08-31T12:00:00-05:00
Date Sent to Company: 2022-08-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
We received notice that a Sheriff sale of our home was scheduled for XX/XX/2022 at XXXX, Eastern time by the collection firm of XXXX XXXX and XXXX XXXX XXXX. Attorneys at Law, XXXX XXXX XXXX XXXX, Suite XXXX, XXXX, Illinois XXXX. We immediately contacted the representative Bank of America, for the Master Servicer, XXXX XXXX, XXXX, XXXX XXXX, Bank of America XXXX and advised him my wife and I have a deed to the property at XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX, and signed authorizations from borrower XXXX XXXX XXXX ( See attached ) After we provided those prior signed authorizations to him, he stated they were sufficient for the prior master servicer XXXX XXXX XXXX XXXXk XXXX ( these two firms XXXX XXXX XXXX XXXX XXXX XXXX have lied to courts of law they ever received these authorizations so as not to have to prevent us with a payoff letter ) but in order to discuss stopping the Sheriff sale and to allow him to send us a payoff so we could purchase the property as allowed by Indiana law before the Sheriff sale, Indiana Code Section 32-29-7-77 we had to provide him signed third party authorizations in their name. After he was provided same on XX/XX/2022, he left a voice mail Thursday XX/XX/2022, acknowledging he received it and saying he could now speak with us and he would respond in writing to our request for a payoff letter, cancellation of the Sheriff sale and giving us 90 days to obtain a VA mortgage ( I am VA certified as a veteran. See attached ). In violation of 15 U.S.Code Section 1630g, 15 U.S.C. Section 1611, FDCPA ( 15 U.S.C. 1692c ( b ) XXXX XXXX, XXXX, XXXX XXXX, Bank of America XXXX has not responded to our calls, nor has the collection agency.
Frequently Asked Questions
What is Complaint #5936482 about?
Complaint #5936482 was filed against Bank Of America, National Association regarding Mortgage specifically about Applying for a mortgage or refinancing an existing mortgage. It was received by the CFPB on 2022-08-31T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Bank Of America, National Association?
Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.