Consumer complaint received 2016-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
From the Desk of XXXX XXXX Private Attorney General XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX and XXXX of People in a Court of Record * MAIL FRAUD AND WIRE FRAUD XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Consumer : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX PENDING CRIMINAL INVESTIGATION LAST UPDATE XXXX XXXX, XXXX RESCISSION OF SUBJECT PROPERTY UNDER CALIFORNIA XXXX XXXX XXXX, XXXX XXXX a ) ( b ) ( c ) ( XXXX ) ( XXXX ) ( XXXX ) XXXX FEDERAL CONSUMER LAWS CIVIL CODE SECTION XXXX. An apparent consent is not real or free when obtained through XXXX. Duress XXXX. Menace XXXX. XXXX XXXX. Undue Influence or XXXX. XXXX XXXX XXXX LAWS CIVIL CODE XXXX. XXXX. XXXX. XXXX. XXXX. XXXX. XXXX. AND XXXX XXXX XXXX Sec. XXXX. Liability of directors and officers of member banks ; XXXX XXXX Sec. XXXX. Civil money penalty ; XXXX XXXX Sec. XXXX. Tax on circulating notes generally ; XXXX XXXX Sec. XXXX. Receipt of United States or bank notes as collateral ; XXXX XXXX Sec. XXXX. Conversion of banking corporation into XXXX corporations ; procedure XXXX XXXX Sec. XXXX. Offenses by officers of corporation ; punishment ; XXXX XXXX Sec. XXXX. False representations as to liability of XXXX XXXX for acts of corporation ; punishment ; XXXX XXXX Sec. XXXX. Jurisdiction of United States courts ; disposition by banks of foreign owned property ; XXXX XXXX Sec. XXXX. Congressional findings and declaration of purpose ; XXXX XXXX Sec. XXXX. Validation of Debts ; XXXX XXXX Sec. XXXX. Furnishing certain deceptive forms ; XXXX XXXX Sec. XXXX XXXX liabilities ; XXXX XXXX Sec. XXXX. Administrative enforcement ; XXXX XXXX Sec. XXXX. Uttering counterfeit foreign obligation or securities ; XXXX XXXX Sec. XXXX. Possessing counterfeit foreign obligations or securities ; XXXX XXXX Sec. XXXX. Prohibited activities ; XXXX XXXX Sec. XXXX. Subpoenas for bank records ; XXXX XXXX Sec. XXXX. Reports on exporting and importing monetary instruments ; XXXX XXXX Sec. XXXX Action for neglect to prevent ; FORGERY CALIFORNIA XXXX OF CIVIL PROCEDURE XXXX AND XXXX PENAL XXXX FALSE DOCUMENTS RECORED IN XXXX XXXX RECORDERS OFFICE PENAL CODE XXXX CRIMINAL CONSPIRACIES PENAL CODE XXXX ( a ) ( b ) ( c ) ( d ) INTENT TO COMMIT FORGERY VIOLATION OF GOVERNMENT CODE SECTION XXXX ( d ) Failure to Discharge the Duties or Responsibilities of a Notary Public VIOLATION OF GOVERNMENT CODE SECTION XXXX ( XXXX ) Adjudged Liable for Damages in Any Suit Grounded in Fraud, Misrepresentation, Violation of State Regulatory Laws or Failure to Discharge Fully and Faithfully the Duties of a Notary Public VIOLATION OF GOVERNMENT CODE SECTION XXXX ( i ) Act Involving Dishonesty, Fraud, or Deceit with the Intent to Substantially Benefit the Notary Public or Another, or Substantially Injure Another VIOLATION OF GOVERNMENT CODE SECTION XXXX ( l ) Execution of any Certificate as a Notary Public Containing a Statement Known to the Notary Public to be False Execution of a certificate that the notary public knew contained false information. 
VIOLATION OF GOVERNMENT CODE SECTION XXXX ( o ) Failure to Secure XXXX or Official stamp - NOTICE OF ERROR UNDER XXXX C.F.R. XXXX Yes No Not Required Comments GRANT DEED XXXX DOCUMENT # XXXX FOR A VALUABLE CONSIDERATION HOVSEP XXXX AND XXXX XXXX HEREBY GRANTS TO : XXXX XXXX XXXX AND ACKNOWLEDGED XXXX XXXX XXXX XXXX DEED OF TRUST XXXX DOCUMENT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX LOAN # XXXX MIN # XXXX BORROWER- XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX MERS IS THE BENEFICIARY {$390000.00} ***MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, XXXX WAS SUSPENDED IN XXXX XXXX, XXXX BY THE SECRETARY OF STATE OF CALIFORNIA AND FRANCHISE TAX BOARD IN XXXX. SEE ATTACHED INTER-AGENCY INQUIRY*** ***ON XXXX XXXX, XXXX MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, XXXX AMENDED UNDER

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