Consumer complaint received 2019-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Formal complaint request against the following : XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX   Affidavit of Truth The undersigned Affiant, XXXX XXXX XXXX, hereinafter Affiant, does solemnly swear, declare and state as follows 1.  Affiants usage of the terms, I, me, my, our or us refers to XXXX XXXX XXXX, and that 2. On or about XXXX XXXX, XXXX XXXX XXXX ( deceased ) and XXXX XXXX XXXX, entered into a transaction, with Countrywide   XXXX XXXX, XXXX.identified as Mortgagee an alleged original copy is enclosed herewith as Exhibit A. 3. The terms and conditions as represented to us, by the representative of Countrywide  XXXX XXXX XXXX, is that we would receive a loan of money for XXXX, and that 4. In the spirit of the contract, and for equal consideration, we would mortgage a security interest in a Security Instrument for the value of XXXX hereinafter referred as the Note, and of which we never received at the time of closing ; as well as convey an interest in land located at XXXX XXXX XXXX XXXX XXXX, XXXX, New Mexico XXXX, 5. On or date Mortgage XXXX XXXX XXXX ( XXXX ) executes an Assignment Instrument signed by Assistant Secretary, XXXX XXXX XXXX, XXXX alleging to assign the Exhibit A. 6. Mortgage Contract # XXXX Countrywide XXXX XXXXs, XXXX 7. XXXX XXXX XXXX  XXXX, is actually not a trust and they hold no assets. They are a Participating Agent but is representing itself as the owner of the note and mortgage and claiming that they have rights to foreclose on my home and property, 8. Affiant made payments to, Countrywide XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and thereafter to it successor, Bank of America Home Loans. 9. On or about XX/XX/XXXX, Affiant became aware that now XXXX XXXX XXXX XXXX is claiming that we owe them over XXXX but not limited to : XXXX XXXX XXXX XXXX did not lent the Affiant money but under the false pretense as being a Trust although I know now that they are not a Trust entity but that XXXX XXXX, XXXX. as Trustee for XXXX XXXX XXXX. 10. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. and XXXX XXXX XXXX, XXXX use false representations intentionally, fraudulently, and deceptively in claiming they own the mortgage and note on my property and claiming Affiant owes money at the time of closing, Affiant put XXXX down as earnest money and then came to the table with an additional XXXX cash down to purchase this XXXX home. 11. The Affiant, upon reliance on such false representations, pledged security interest in the Note, in favor of Countrywide XXXX XXXX, XXXXnow XXXX XXXX XXXX XXXX says they own my note and mortgage as Affiant have requested that they show us the original mortgage note and the original promissory note which they have failed to do. 12. The Affiant, Estate of XXXX XXXX XXXX upon reliance on the false representations mentioned above, has labored over 8000 hours ( approx XXXX ) from XXXX of XXXX until XXXX of XXXX, in satisfaction of the above fraud based Mortgage contract. Affilant is requesting that an internal investigation in mortgage fraud which XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX are involved in as they have harmed the Affiliates greatly by their actions. I declare under penalty of perjury that the information above is true and correct. Executed on the XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX By XXXX XXXX XXXX XXXX, Executor for Estate of XXXX XXXX XXXX ( deceased )

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