Consumer complaint received 2016-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is continuation of case # XXXX, disregard the last case XXXX it has the wrong heading. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX To Whom it May Concern : I do n't agree that, all the information in my account is privilege information, like HUD-1. I thank you for admitting that Bank of America has fraudulently misrepresenting my account. There are rules and procedures how loan information transfer from one lender to anther lender or servicer ; What you told us boldly is that, Bank of America has their own rules and procedures, please show me where a written off principle balance as your documents shows clearly, but transferred as expense account which created by XXXX XXXX without going through transferred documents as principle. It is fraud and needs the IRS attention. You completely undermining how the IRS collect the taxes. That can qualify taxi evasion. This is call also in accounting terms Double entry, where Bank of America written off my defer principle as expense which reduce their taxes or applied Hamp program ( reduction principle ) to collect from government ; On the other hand, XXXX XXXX will create a fake expense account to collect, that includes all the balances that eliminated by the bankruptcy court and principle reduction, the whole scheme is fraud .It is sophisticated skillful team from bank of America and XXXX XXXX collaborating doing this. Please be advised that with respect to the mortgage loan you were serviced on my property located at XXXX XXXX XXXX XXXX XXXX XXXX, As former servicer of my mortgage loan, you have dismissed my request information by playing privilege card, that is illegal. Please this time treat this as " request for for information ". pursuant to the Real Estate Settlement Procedures Act, subject to the response period set out in Regulation X, 12 C.F.R. 1024.36 ( d ) ( 2 ) ( ( i ) ( A ), and a request under 1641 ( f ) ( 2 ) of the Truth in Lending Act. 
.Please provide the following information. Fill this forms all amounts that requested. 
1. please fill all the information that is n't privilege on blank HUD-1 statement that pertaining to my debt ( Mortgage Balance ), Escrow Balance. 
2. On my loan purchase statement, what was my loan principle $ XXXX. 
3. On the loan acquisition scheduled UPB what was that amount $ XXXX. 
4. Provide XXXX registration mortgage number. 
5. Before the transfer, What was the balance of the ending interest bearing principle $ XXXX 6. Before the transfer What was the balance of the ending non-interest bearing principle balance $ XXXX 7. On servicing released proceed summary what was my escrow balance $ XXXX. 
8. Before the transfer what was ending escrow balance $ XXXX 9. The name of owner or assignee you sold to my loan 10. The address and telephone number for the owner or assignee 11. The name, position and address of an officer of the entity that is the owner or assignee. 
12. Admit that All the information on the loan history payments and transactions are correct and legal and the only Balance is Principle {$45000.00} and escrow balance is XXXX if the answer is no please explain in details. 
13. Admit that on my loan history payments XXXX/XXXX/2014 bank of America took a charge amount of XXXX that leave my account only {$45000.00}. 
14. admit that you sold my house wrongfully and rescinded. And again foreclosed wrongfully but canceled later on after my lawyer contacted you. If answer no, explain otherwise. A similar right exists under TILA. See 15 U.S.C. 1641 ( f ) ( 2 ) ; National Consumer Law Center, Truth in Lending XXXX ( XXXX XXXX ). 
It is imperative that Cfpb to conduct a forensic investigation to my mortgage account both Bank of America and XXXX XXXX. 

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