Consumer complaint received 2016-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
This CFPB Complaint / Affidavit & Notice is being filed with the Consumer Financial Protection Bureau for a transparent examination and investigation of the Mortgage origination and servicing, RESPA procedures, Amicus program etc. The supporting documents raises other issues ( resources ) made available to the consumer pursuant to Federal Law, and the powers of the CFPB, OCC and Federal courts. 

Banks have used predatory lending in a mortgage ( from its inception ), and denied the consumer remedy to a complete and accurate investigation in regards to a void mortgage and illegally forged [ robo-signed ] foreclosure instruments, which caused a void lien to property. 

On behalf the consumer I offer this affidavit and notice to XXXX XXXX XXXX XXXX in regards to your client XXXX activities in association with BANA and XXXX. XXXX XXXX, the following issues demonstrate that your client in association with these financial entities have condemned and denied the consumer remedy and a review of ALL documents ( proof of claims ) subject to public access, despite requests for validation of the debt and to certify all parties ' foreclosure activities. 

The mortgage origination of AWL and the servicing of BANA, in association with CWHL and the claims made by XXXX assignment, and the foreclosure sale held by your client by and through the debt collection agencies ' and any other unknown third parties are moot and without good point. 

The consumer has provided through the CFPB portal : The Mortgage/Note is void because the alleged Lender AWL, stated in the mortgage/note to be a New York Corporation, and was not in fact incorporated XX/XX/XXXX or subsequently, at any time, by either CWHL, or BANA, or any of their related corporate entities or agents. '' As " debt collectors '', the financial entities and several other debt collection agencies refused, despite the consumer 's request, pursuant to the FDCPA to verify their debt collection activities. 

A history of his Petition for Writ of Certiorari [ Case No. XXXX ] - U.S. Supreme Court The 10 year statute of limitation for the collection of debt has expired XX/XX/XXXX and the debt is too old to be sued on. 

Information that, XXXX and associated debt collection agencies ', can not provide evidence of the Lender 's AWL written assignment to XXXX or certify they examined the assignment for an illegally [ ROBO-SIGNED ] forged signature. 

An enormous amount of information to refute XXXX activity in association with BANA ; AWL ; CWHL ; and XXXX. 

His administrative defaults should help to reduce any arguments by showing the records of the financial entities and the debt collection agencies ' reflect they failed in their lawful duty to respond and to provide all damages and injuries caused to any of the related corporate entities or their agents. '' The consumer wishes to inform you XXXX XXXX, he does not intend to dishonor your offer, and conditionally accepts that you and your client are not duty bound and do not encompass the authority to take any further action on this matter by law ; and upon conditionally accepting your offer he proposes that you provide your written and signed Proof of Claim under penalties of perjury, that you and your client et al are not subject to Federal Law and the powers of the CFPB and the OCC both which have jurisdiction over the following : Mortgage origination examination procedures Mortgage servicing examination procedures RESPA procedures Amicus program Warning letters Payments to harmed consumers Supervision and examinations The CFPB Supervision and Examination Manual Failure to provide your written and signed Proof of Claim under penalties of perjury to the consumer will deem your claims again, irrelevant and meritless. 

Made Pursuant to the United States Constitution & Title 28 USCA Section 1746 See : Affidavit & Notice Color of Authority

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