In XXXX XXXX, I submitted a complete loan modification with Bank of America to modify my second mortgage of {$150000.00}. I am currently delinquent {$19000.00} in mortgage payments on my primary residence. I was actively and diligently working with my loan relationship representative to modify my loan. On XXXX XXXX, XXXX, I was approved for trial loan modification payments of {$630.00} for the months of XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. I made all my trial payments as requested and was expecting to have my loan modified. 

On XXXX XXXX, XXXX, Bank of America recorded a Notice of Default to foreclose on my property. I made all my payments as agreed. Bank of America lied to me and lead me to believe they were working with me in modifying my loan. 

Bank of America intentionally used dual- tracking while I was on a trial loan payment period. 
Bank of America has violated the California Homeowners Bill of Rights, which prohibits dual tracking. Bank of America continues their unethical, fraudulent, and corrupted business practices with the public. Bank of America is hurting the nationwide public by practicing dual tracking with home owners. 

A Bank of America employee signed a written California Declaration stating she was unable to contact me to assess my financial situation and what options were available to me. 
Bank of America proceeded with recording a Notice of Default for foreclosure. The Employee has lied under the written Declaration of being unable to contact me. I was in a active loan modification review with Bank of America working with my relationship rep. to modify my loan. 

The Bank of America employee who signed the Notice of Default written California Declaration, ROBO Signed the written Declaration. I was always in contact with my loan representative working with her in obtaining a loan modification. 

This complaint must be forwarded to the Office of the Comptroller of the Currency ( OCC ), The U.S. Federal Reserve, and the U.S. Treasury Department. I will also be making a complaint with the Federal Bureau of Investigation ( FBI ) to document this corruption and to request an investigation of Bank of America illegal loan activities. 
