Bank of America Home Loans Formerly Countrywide Home Loans Fraudulent 1099-MISC Reportying Simi Valley, California

1099-MISC can be issued for many reasons, and it does not mean that they have to send you a check.

One possibility is if you did any sort of "settlement" on your loan.  For example if you owed $5,000 and they said that they would "settle" for $3,000 the $2,000 that they forgave would be reported to the IRS as unearned income.

Another possibility is that they may have also issued one if you did some sort of modification or principal reduction.  Basically any action where they have to "write-off" some of the loan would be a case where they would in turn issue you a 1099-MISC.

They should have told you the Tax year it was for, and from that you may be able to figure out what it may be from.

   Did you have any dealings with them where they forgave a portion of a loan through negotiation?  If so, that could be where the 1099 is coming from.   If a bank lets you off the hook for all or part of a loan, your friendly IRS sees that as income and requires the bank to issue a 1099 to that effect.