Consumer complaint received 2017-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On  XXXX / XXXX /  XXXX  , I submitted complaint #  XXXX , On  XXXX / XXXX /  XXXX   Bank of America gave the appearance of responding and closed the complaint ; however, Bank of America did n't take the complaint seriously and in Bank of America 's response to us they provided old copies of their Attorney 's  XXXX  and  XXXX  's response to old complaints which never answered questions in previous complaints AND DEFINITLY DID N'T ANSWER THE QUESTIONS IN THIS COMPLAINT. When I called Bank of America and asked them why they did n't take OUR complaint seriously BANK OF AMERICA CUSTOMER SERVICE REPRESENTATIVE INDICATED IT WAS USELESS FOR  US  TO SUBMIT COMPLAINTS TO THE CONSUMER FINANCIAL PROTECTION BUREAU BECAUSE THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN AND WE WERE WASTING OUR TIME. THE BANK OF AMERICA CUSTOMER SERVICE REPRESENTATIVE ALSO INDICATED THAT MY  XXXX  MUST CAUSE ME TO BE   XXXX   TO   XXXX    THINGS BECAUSE I WAS N'T GETTING THAT THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN. THE BANK OF AMERICA CUSTOMER SERVICE REPRESENTATIVE INDICATED BANK OF AMERICA WAS N'T GOING TO ANSWER ANY COMPLAINTS SUBMITTED THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU BECAUSE THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN. THEREFORE, ALTHOUGH I MAY BE  XXXX  I AM FILING MY COMPLAINT AGAIN BECAUSE BANK OF AMERICA NEVER GAVE ME A ANSWER BECAUSE AS BANK OF AMERICA INDICATED THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN AND THEY DIDNT HAVE TO ANSWER MY COMPLAINT. ALTHOUGH AS BANK OF AMERICA INDICATED THE CONSUMER FINANCIAL PROTECTION BUREAU IS SHUTTING DOWN THEY ARE N'T SHUT DOWN YET AND SO THIS SLOW PERSON IS GOING TO REFILING OUR COMPLAINTS UNTIL I GET A RESPONSE TO MY COMPLAINT.         BANK OF AMERICA has provided fraudulent Documentation of Notes and Deeds, Holder Status and broken Chain of Assignment. BANK OF AMERICA HAS FAILED TO DO THE FOLLOWING  1.  ) BANK OF AMERICA has failed to implement processes to ensure that Servicer or the foreclosing entity has a documented enforceable interest in the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the foreclosure action.  2. )   BANK OF AMERICA has failed to include a statement in a pleading, affidavit of indebtedness or similar affidavits in court foreclosure proceedings setting forth the basis for asserting that the foreclosing party has the right to foreclose.  3.  ) BANK OF AMERICA has failed to set forth the information establishing the partys right to foreclose as set forth in  XXXX  in a communication to be sent to the borrower as indicated i n I.A.18. 4. )  BANK OF AMERICA has failed to comply with the following : If the original note is lost or otherwise unavailable, Servicer shall comply with applicable law in an attempt to establish ownership of the note and the right to enforcement. Servicer shall ensure good faith efforts to obtain or locate a note lost while in the possession of Servicer or Servicers agent and shall ensure that Servicer and Servicers agents who are expected to have possession of notes or assignments of mortgage on behalf of Servicer adopt procedures that are designed to provide assurance that the Servicer or Servicers agent would locate a note or assignment of mortgage if it is in the possession or control of the Servicer or Servicers agent, as the case  may  be. In the event that Servicer prepares or causes to be prepared a lost note or lost assignment affidavit with respect to an original note or assignment lost while in Servicers control, Servicer shall use good faith efforts to obtain or locate the note or assignment in accordance with its procedures. In the affidavit, sworn statement or other filing documenting the lost note or assignment,  Servicer  shall recite that Servicer has made a good faith effort in accordance with its procedures for locating the lost note or assignment.  5.  ) BANK OF AMERICA has intentionally provided us through Bank of America,  XXXX   XXXX   XXXX   XXXX , Consumer Financial Protection Bureau and the United States Mail, multiple fraudulent deeds and fraudulent notes in responding to complaints. Therefore, Bank of America trying to trick us and the Consumer Financial Protection Bureau into believing fraudulent deeds and fraudulent notes are authentic because Bank of America provided them through the CFPB but they are not.  6.  ) BANK OF AMERICA has failed to ensure that mortgage assignments executed by or on behalf of Servicer are executed with appropriate legal authority, accurately reflective of the completed transaction and properly acknowledged.

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