Consumer complaint received 2020-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Dear CFPB, Please find my complaint against XXXX XXXX XXXX , XXXX. ( XXXX  ) ( formerly Countyrwide XXXX , XXXX. ( " XXXX  '' ) ) for their deceptive business practices and repetitive refuses to provide me information which I am entitled to have under the law, particularly FDCPA, UCC, XXXX XXXX MBS Guide and many other laws. 

I am a victim of XXXX unlawful conduct and numerous fraudulent transfers which fatally damaged my property Title ; and subjected me to wrongful collection by illegitimate party who pretend to be " owner/investor/servicer/creditor/purchaser '' of my debt - XXXX XXXX XXXX , XXXX ( `` XXXX '' ( formerly Countrywide  XXXX , XXXX  ( `` XXXX '' ) who can not even answer my basic question - who sold XXXX my performing loan in XX/XX/XXXX and how XXXX became an Issuer of XXXX XXXX securities three years after my closing if XXXX XXXX has no knowledge of PennyMac as an Issuer. 

In the most recent respond XXXX once again refused to address me questions directed to XXXX -  particularly from WHOM XXXX purchased my loan - and sent me another absurd runaround full of lies. 

According to XXXX, my concerns " appears '' to be addressed to the prior " Servicer '' and " originator '' XXXX XXXX  , XXXX. ( " XXXX '' ) or my " current Servicer '' XXXX. 

This is not true. My questions are directly related to XXXX, who according to XXXX XXXX is the Issuer of XXXX XXXX securities backed by my loan ; and my CURRENT Services, as responded by Bank of America who cash my mortgage payments and who orchestrates this scheme. 

Moreover, XXXX knows that XXXX was not originator or Servicer for my loan. 

XXXX was merely a data collector who sent all my information to XXXX who was the originator and who funded my loan from a very questionable source. 

According to the copy of my Note ( provided by XXXX ) my loan was transferred to XXXX  on my closing day - XX/XX/XXXX by Collateral Shipper XXXX XXXX. 

I demand XXXX to provide me information for which company XXXX XXXX worked ; which authority Collateral Shipper XXXX had to transfer my loan to XXXX on XX/XX/XXXX ; and why XXXX insists that they became " servicers '' for my loan on XX/XX/XXXX while according to documents ( provided by XXXX ) XXXX  was the original Servicer, and Servicing number for my loan which was purportedly assigned by XXXX was actually XXXX 's Servicing number. It is written on the Mortgage front page. 

I demand XXXX to provide me information and proof of legitimate transfer from XXXX ( who was not a party in my loan except data collector ) and a proof of XXXX 's payment of my debt as required by UCC 203 Art. 9. 

I demand to provide me the name of XXXX XXXX XXXX where XXXX was acting as a Servicer ; this Trust CUSIP Number ; when was this Trust closing day ; EIN, and copies of all IRS Pub 938 forms. 

Please explain why XXXX did not publish information about XXXX XXXX XXXX which holds my loan with MERS as required by XXXX XXXX MBS. 

All of this information is not secretive or proprietory as XXXX lied since XXXX 's Mortgage Investment Trust ( a private entity ) publish similar information online ; as well as XXXX XXXX ( if a Trust is existing ). 

I demand XXXX to provide me information who appointed them as a Servicer for this Trust. 

I demand XXXX to respond WHO SOLD my performing loan XXXX ( a distressed debt buyer ) and a proof of payment from XXXX for my debt, as required by the law if XXXX insists that XXXX XXXX does not sell performing loans unless loans are more than 3 months delinquent. 

My loan was never delinquent, yet XXXX purportedly PURCHASED it from someone just two weeks before they issued its own securities sold to investors for {$190.00} XXXX. 

XXXX XXXX does not sell performing loans ; MERS or BONY have no rights to sell XXXX XXXX loans ; XXXX said they are merely Servicers thus have no ownership of loans to be able to sell them to XXXX. 

So, WHO SOLD XXXX my loan and where is the proof of sale which must be recorded with XXXX XXXX, as well as a proof of value paid by XXXX to be able to collect anythng from me. 

I reserve my rights to demand more information from XXXX based on their respond. 

Regards, XXXX XXXX

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