Consumer complaint received 2016-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Please see attached CFPB complaint and email correspondence pdf noticing all the main contacts of the parties I have been sending my ongoing requests for documentation to. 
[ CIVIL CODE SECTION 2332. As against a principal, both principal and agent are deemed to have notice of whatever either has notice of, and ought, in good faith and the exercise of ordinary care and diligence, to communicate to the other. XXXX ) ] I spoke with XXXX and his XXXX XXXX XXXX XXXX at the CFPB to ask specifically why no action had been taken on my complaint # XXXX that was directed to XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . They said that this company is not " registered '' with the CFPB so they ca n't forward the complaint and that they do n't handle complaints related to this matter! 
XXXX also told me they submitted my complaint on XX/XX/XXXX, to the FTC 's XXXX XXXX XXXX developed for civil and criminal enforcement and gave me the FTC number to follow up. ( XXXX ) XXXX. 
When I called the FTC, the phone prompts referred me back to the CFPB for my mortgage related complaint. I pushed through the FTC phone tree and spoke with XXXX who said they do n't handle mortgage complaints and that is the CFPB 's role. I told her that the CFPB had sent my complaint to the FTC but when she checked the database, nothing came up. 
I called the CFPB again and spoke with XXXX ( # XXXX ) and updated her on my talk with the FTC and asked her who I could speak with about getting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX registered because they are one of the entities I wanted to report. This debt collector law firm is in violation under the FDCPA, and has been trying to steal my home for the last year with apparent authorization from XXXX XXXX, who is a debt collector as well! 
I am now re-submitting this complaint to XXXX XXXX, XXXX, XXXX and Bank of America and look forward to straight answers and a collaboration that will save us all time, make everyone accountable and with administrative remedy, avoid the court system at all costs. We all need undeniable proof of who is entitled to enforce the alleged note and who exactly the obligation is due, if anyone. 
Please note the attached XXXX : The Court should hold that homeowners may bring a wrongful foreclosure action on the basis that the party foreclosing on them lacks the power to foreclose because they do not own the debt, either due to an allegedly void assignment or for any other legally cognizable reason. 
Dated : XX/XX/XXXX Respectfully submitted, XXXX XXXX XXXX Attorney General of California XXXX XXXX/XXXX/XXXX Mortgage complaint form On Wednesday, XX/XX/XXXX there is another illegal auction scheduled for my home via XXXX by XXXX XXXX XXXX XXXX & XXXX XXXX XXXX supposedly on behalf of XXXX XXXX on behalf of an alleged trust held by XXXX that was never funded on time and remains empty. 
You must cancel this illegal auction now and produce the documents requested! You have all been noticed, again!

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