Consumer complaint received 2017-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
OnXX/XX/XXXX Governor XXXX XXXX signed a bill, to be effective immediately, applicable to Cases XX/XX/XXXX forward, which states in part : OCGA 16-8-102 Residential mortgage fraud OCGA 16-8-104 Criminal investigation and prosecution, OCGA 16-8-105 Punishment etc.
I wrote to the Governor of Georgia and the Attorney General XXXX XXXX etc.as an advocate of my rights in seeking council concerning my mortgage loan that I acquired through the Veterans Administration over 21 years ago on XX/XX/XXXX.One other concern about my loan is that the Veterans administrations records had my home purchased in XX/XX/XXXX instead of the date documents were signed for home purchase. Another issue being the ordered statues concerning recordings in The Superior Court of XXXX County office of Land and Deeds it has been alleged to be compromised according to these Misprision of Felony.I received a letter from the Georgia Department of Law stating that our concerns were forwarded to Georgia Department of Banking and Finance who clearly states that their service do not ( The Department does not regulate national banks ( examples : Bank of America, XXXX XXXX, XXXX, XXXX, XXXX ) or federal credit unions, whether operating in Georgia or elsewhere.Which leads me back to the CFPB numerous times in complaints about my issues with Bank of America N. A My concern is a Title 16 Crimes and Offences, Chapter 8 involving theft, Article 5 Residential Mortgage Fraud. Therefore because Georgia is a predominately red state it is hard to agree on federal issues at the state level. For over 12 years now I have been disputing portions of my loan principle balance. We have written numerous complaints to you as the CFPB in the use of every facet of the government except your direct department and now your office department isstill the last chartered road of defense. Therefore XXXX XXXX participation in this matter is an overwhelming concern of ours. According to the audit of HUD by the Secretary of the U.S. Department of Housing and Urban Development, Secretary XXXX XXXX found XXXX XXXX ( XXXX ) in bookkeeping errors.The total amounts of errors corrected in HUDs notes and consolidated financial statements were {$510.00} billion and {$3.00} billion, respectively, '' the auditors wrote. The one particular audit that concerns my status quo is the {$4.00} billion in non-pooled loan assets from XXXX XXXX standalone financial statements that we could not audit due to inadequate support.
My family and I hired an investigator to research prevalent issues concerning my loan. We were appalled at what XXXX had found out about XXXX XXXX and the 13 banks involved with the loan. I strongly believe that my loan from its conception is wrapped up in that neat little package. This is why I am asking your office to help me resolve the ongoing dispute about what exactly do I owe on my loan and how can the pool of banks involved get away with such fraudulent activities by passing the protocol of ALLONGES, ASSIGNMENTS AND ENDORSEMENTS. According to the Article 5 Residential Mortgage Fraud and the Federal Laws we have so many unanswered questions and concerns that have left us faithless in our Judicial System and its band of promises to protect the rights of all its citizens. I have sent out inquires to the OIG of the Department of Veteran Affairs, Attorney General XXXX XXXX, and many others just to name a few.I am quite dissatisfied with the process set up by the CFPB the OCC the lack of concerns to address this large spectrum of fraud across our entire country

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