Consumer complaint received 2016-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
. On XXXX XXXX XXXX Bank of America is seeking to foreclose on our home even as an open investigation is ongoing by XXXX who states that the release of certain documents ca n't be released to us.To bring a case under Georgia 's RICO law, there must be at least XXXX underlying felonies -- such as fraud, bribery, I 'm sure that the government agencies are acquainted with this acronym as your agency CFPB are often in heated battles concerning the consumer complaints. RICO stands for Racketeer Influenced and Corrupt Organizations. Under the Georgia version of this Act, it is unlawful for any person through a pattern of racketeering activity to acquire or maintain any interest in or control of any type of property or business. 
Predicate crimes that fall under this Act ( and may be used to show a " pattern '' of unlawful conduct ) include the following : forgery, theft, robbery, bribery, influencing witnesses, intimidation of a juror or perjury, tampering with evidence, various securities violations, certain crimes involving titles, destroying or misrepresenting identification numbers, insurance fraud, and residential mortgage fraud. Though this Act covers so much more the things listed above are of our particular concerns Missing assignments or multiple assignments of the same instrument filed in the public records are a direct result of multi-pledging and the use of the same collateral, the mortgage loan, to pool into securities or pledge for other financing and should be viewed as an overt act of fraud when encountered. There is discovery by our research of pre-dated, backdated and fraudulent assignments of mortgages or endorsements either completely filled in or left blank to be filled in before or after the fact to support the future allegations of a foreclosing party. These fraudulent assignments are typically discovered by examiners in the servicers files or MERS files when MERS acts on the servicers behalf. These documents are created for the sole purpose of assisting in concealing known frauds and abuses by originators, prior servicers and are designed specifically to conceal the true chain of ownership of a borrower 's loan.No escrow instructions or settlement statements should trigger the examiner to immediately attempt to locate the assignment of the mortgage. Multiple or missing assignments coupled with an inability to produce escrow and settlement statements demonstrate a deliberate concealment of the ownership of the borrower 's mortgage debt obligation and the actual lender to whom the borrower is indebted. 
Lack of possession of the original note demonstrating the proper chain of title and legal right to foreclose should be noted as evidence of fraud. Coupled with a missing assignment or multiple assignments is further evidence of the existence of fraud. 
In XXXX XXXX XXXX place a conservator-ship into Fannie Mae therefore the report about XXXX Oversight of XXXX Default-Related Legal Services FEDERAL HOUSING FINANCE AGENCY OFFICE OF INSPECTOR GENERAL Audit is very important to my concerns about my loan. OUT OF THE MOUTH OF XXXX XXXX : SCHEDULE OF LOANS PURCHASED FROM XXXX DOES NOT EXIST ; NO ASSIGNMENTS OF MORTGAGE, NO ALLONGES OR ANY EVIDENCE OF TRANSFERRING OWNERSHIP OF LOANS FROM XXXX TO XXXX and yet these banks recorded in court records on XXXX XXXX XXXX fraudulent assignments etc. Recorded as Grantor XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and Grantee BANK OF AMERICA N.A . 
In XXXX We XXXX XXXX chapter XXXX

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