Consumer complaint received 2023-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
QWR and DVR and Notice of Legal Hold On XX/XX/XXXX I entered into a securities transaction with undisclosed to me Investment Bank who was acting via chain of intermediaries XXXX XXXX, XXXX ( originator whom pretender XXXX XXXX XXXX XXXX XXXXXXXX passed my information ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
None of these parties were disclosed to me in RESPA settlement which was forged to cover time when I signed it During the closing I received information about {$130000.00} and Deed for the property. I was confident that XXXX XXXX received these money from XXXX and forwarded them to property XXXX XXXX lender as a payment on my behalf. 
So, I signed a Promissory Note to XXXXXXXX XXXX XXXX to allow XXXX access to my property. 
As I later learned, neither XXXX XXXX of XXXX XXXX XXXX can not provide me any proof of any funding from XXXX or anyone else. 
On XX/XX/XXXX I received a letter from XXXX company informing me that servicing rights were transferred from XXXX ( whose loan number was listed as XXXX to XXXX whose loan was listed as XXXX. 
As I alter learned, someone prepared an Alloge to my Note which was titled to XXXX, However, XXXX is a fictitious corporation created from XXXX XXXX by XXXX XXXXXXXX XXXX, three of which are dba as XXXX in my transaction : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX who used XXXX  name on the letterheads to create appearance that my loan is serviced by XXXX 
XXXXXXXX  did not do anything as a Servicer at all. Servicing activities were performed by XXXX, who sent me billing statements, XXXX XXXX XXXX ( owned by XXXX XXXX XXXX XXXX, branch of XXXX XXXX ) who collected and processed my money into account with Bank of America held by unknown to me parties. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX that servicing of my alleged loan was transferred from XXXX XXXX XXXX, XXXX dba XXXX  to another hedge fund, likely XXXX, XXXX who was XXXX via XXXX XXXX XXXX, XXXX, a single member XXXX XXXX XXXX wholly owned by another single member XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( owned by XXXX XXXX ) who purportedly purchased my alleged loan from undisclosed to me parties, but implied from XXXX XXXX XXXX, XXXX dba XXXX 
During all time in question I tried to validate this debt by QWR and DVR without any accord. XXXX companies hired by XXXX XXXX sent me numerous absurd runaroudns acting as XXXX. XXXX companies hired by XXXX XXXX sent me contradicting with XXXX runarounds. 
XXXX, whom XXXX XXXX and XXXX XXXX  are servicing under XXXX and XXXX names have no records about my transaction at all. 
On XX/XX/XXXX XXXX died, thus XXXX XXXX XXXX, XXXX is not a single dead member LLC. 
Yet, on XX/XX/XXXX dead XXXX XXXX managed to hire XXXX lawyer XXXX XXXX who submitted False Claim in Michigan Bankruptcy Court demanding from me payments to XXXX XXXX in the amount of {$140000.00} I dont know how lawyer XXXX  plans to deliver my money to XXXX XXXX XXXX I hope directly, but I have objections to this False Claim specially since XXXX ( now owned by XXXX XXXX XXXX XXXX on XX/XX/XXXX sent me a letter stating that the owner of my alleged loan is XXXX. 

XXXX, who deny any knowledge about my transaction, sent me Form 11706 evidencing that someone pooled my alleged loan with XXXX XXXX while XXXX claimed to be a servicer for pool XXXX. As the result I am forced to proceed with Adversary complaint and demand ALL parties specially XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  to place legal hold and preserve ALL documents related to my transaction. 
All my money were collected by major Investment Banks : Bank of America ( who controls XXXX XXXX funds ) ; XXXX XXXX and XXXX XXXX. 
XXXX XXXX directed me to deposit the full amount into XXXX XXXX account whose routing number belongs to XXXXXXXX XXXX XXXX XXXX where XXXX XXXX XXXX is on board of directors. 
XXXX XXXX is partially owned by XXXX hedge fund XXXX. 
XXXX XXXX XXXX fully own XXXX XXXX XXXX XXXX XXXX XXXX registered in California where unknown to me employee XXXX XXXX transfer my money into account of XXXX XXXX XXXX XXXX, without applying anything to my principal of escrow. 
All administrative remedies have been exhausted. None of the defendants have answered statutory letters demanding the disclosure of the location and status of an implied ( but never stated ) unpaid loan receivable account or the owner of such account. 
If that account exists and the owner is disclosed and affirms that it is making the claim, then Plaintiff/Debtor concedes that judgment should be entered for the Defendants. But if the account does not exist and the defendants can not provide corroboration for their claim that they are owed money due to a breach by the Plaintiff of a promise to pay them, then the court should issue a declaration regarding the ownership of the subject recorded lien, an injunction prohibiting the defendants from asserting claims, an injunction requiring the defendants to withdraw and correct prior notices and filings regarding the alleged default or breach by the Plaintiff, and damages in the form of disgorgement of money received by them contrary to law plus statutory damages, and common law tort damages as set forth below together with interest, attorney fees ( according to statute ) and court costs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation