Consumer complaint received 2015-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On file compliant number XXXX ... BofA / XXXX Need to clear up an error. The Mortgage XXXX XXXX XXXX XXXX. investigated the License and Bond requirements of XXXX XXXX XXXX XXXX Mortgage located in XXXXXXXX that preformed a sale of a Mortgage in the state of XXXX using MERS as the Nominee. The Mortgage XXXX XXXX XXXX XXXX. determined that XXXX XXXX was never in compliance to originate Mortgages in the state XXXX. This information was sent to the following by The Mortgage XXXX XXXX XXXX XXXX XXXX. To the XXXX XXXX XXXX XXXX, XXXX, XXXX also to myself. This was an " exhibit '' XXXX.? I 'm just passing along information. So let it be known that the Mortgage XXXX XXXX XXXX XXXX XXXX. did the investigation and passed along their findings to XXXX XXXX XXXX XXXX and myself, for the record. 
Also interesting ... The Mortgage XXXX XXXX XXXX XXXX did request a copy of the Surety Bond and waited 3 weeks and no response to this day over 90 days later still no response,. I believe one can conclude, that their never was a Bond XXXX XXXX XXXX otherwise it would have been available for review by this time, as well as actual License requirements. As I prepare for my resolution, I 'm in preparation to deliver important information. 1. The chain of title and how it was passed along. This information was conducted by XXXX XXXX XXXX XXXX, Corporate Mailing Address : XXXX XXXX XXXX, XXXX, XXXX. Mailing Address for the Mortgage XXXX XXXX XXXX XXXX XXXX. is XXXX XXXX XXXX, XXXX, XXXX. XXXX. 
Other information I will submit is an example how XXXX Bank admitted reckless lending and substandard underwriting. Which involved the HUD Inspector General XXXX XXXX, now XXXX bank agrees to pay {$150.00} XXXX dollars for their conduct in damages. To then include an overview from articles written and posted of a XXXX Judge XXXX, Honorable Judge XXXX, on the use of MERS avoiding filing fees and other improper ramifications and practices. 
To wrap up this letter then in preparation to submit my resolution to compliant no. XXXX in the short time to come. 
1. Forgery of a Financial Note2. Reckless Lending3. License and Bonding4. The abuse of MERS w/ intent to pass off a bad loan ASAP. 
5. Why was this a bad loan? It was reviewed by XXXX XXXX XXXX as being unaffordable, a certified HUD agent XXXX. Reckless Lending. 
6. How did this ever happen to begin with? Answer a Bait and Switch commercial. 
7. The FTC sent me information to say Countrywide used unlawful lending practices in the years of XXXX. Would that pertain as Reckless Lending as well, just like XXXX Bank? 
To add and let it be known ... Countrywide tried on four attempts to persuade me to enter into the " sub-prime '' market in their Full- Spectrum lending division, saying I was such a valuable customer. The Federal Bureau of Investigations calls this Sub- Prime Shenanigans taking advantage of the " common XXXX ''. The following states issued cease and desist orders to XXXX XXXX starting in XX/XX/XXXX. XXXX to say theses words, XXXX XXXX was " hazardous to the general public '' The FHA also issued a Neighborhood Watch on this lender. Other issues are with a mover called in on the WRIT and missing so many out our belongings. Over {$8000.00} but no declared value on our life memories destroyed or looted. If we could have let peacefully with our belongings much pain would heal in time. But as one can see, this has a haunting memory that will never now heal. Stories similar to this one can view on the Federal Bureau of Investigations as " XXXX Crimes ''. Frankly speaking ... I do n't get it, is this this why one went to XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation