Consumer complaint received 2015-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please consider this a claim against the State of Arizona vs. Bank of America Consent Judgment and the State of Arizona vs. XXXX XXXX XXXX XXXX, XXXX Consent Judgment and an official complaint of wrong doing and request for action from your agency. XXXX XXXX XXXX XXXX, XXXX along with Bank of America , NA have continued their criminal enterprises against me, violating each of their Consent Judgments that prohibited them from doing so. 
My property was taken into foreclosure by Bank of America between XXXX XXXX, XXXX and XXXX XXXX, XXXX. Bank of America 's conduct of making false and misleading statements has harmed me, caused me to lose trust in the Federal Reserve 's Banking System and caused me considerable amounts of anguish and stress. 
XXXX XXXX XXXX XXXX, XXXX has failed to provide any aspect of their obligation in regards to the Consent Judgment. XXXX has failed to provide validation of the debt, has failed to provide a copy of the original Note, has failed to show their legal authority to collect on the debt and has failed to substantiate their demands. The XXXX Owners, Shareholders and Directors as well as any person named in their letters has been made aware of their failure to provide me with the above mentioned requests and also their continued acts of fraud, harassment and attempts of theft. 
Bank of America , NA made clear, consistent and concise statements over long periods of time that they were not the Creditor to which the debt was owed and further established that they were only a party known as a Servicer. When asked to provide the name of the Creditor, Bank of America , NA responded with different parties none of which were consistent with their recorded documents, letters of default or other legal paperwork filed by either Bank of America , NA or XXXX XXXX XXXX XXXX, XXXX. Furthermore, Bank of America , NA reported to the Credit Reporting Bureaus regarding the debt saying that it was " transferred to another lender ''. 
XXXX XXXX XXXX XXXX, XXXX sent notice that it purchased the servicing rights from Bank of America , NA. On XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX described the Creditor as " BANK OF AMERICA DOJ NON-DSI II ''. In later communications on XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX changed its tune, stating now that " the entity that currently owns the loan and hold the Note is Bank of America , National Association ''. XXXX further establishes in this letter that " the entity that currently owns the loan is based upon XXXX 's review of its records as of the date of this letter and the ownership status may change throughout the life of the loan. '' XXXX clearly understands that they do not have personal knowledge of the Note and that the ownership of the Note can change. 
On XXXX/XXXX/XXXX, XXXX responded to a request to validate the debt after they had sent a " Notice of Default ''. In that response, XXXX describes that " as we were not involved in the origination of the loan, we can not comment further regarding any concerns arising from the loan origination ''. Furthermore, they describe that " A Note or a partial interest in the Note can be sold XXXX or more times '' and that " the transferring of loans in common practice in the mortgage industry ''. These statements by XXXX show that they do not have personal knowledge of the debt, the Creditor or the Chain of Assignment of the debt even though they confirm that the Creditor and Chain of Assignment commonly change in the mortgage industry. 
On XXXX/XXXX/XXXX, I sent a request for Quit Claim Deed pursuant to ARS 12-1103 along with XXXX XXXX dollar checks sent to each of the addresses that XXXX XXXX XXXX, XXXX had provided to have them stop their claims against my property. In bad faith and without any explanation, XXXX XXXX XXXX cashed each check without providing the Quit Claim Deed. ... See Attached Full Complaint

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