Consumer complaint received 2015-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In XXXX, I purchased a mobile home in XXXX XXXX, Louisiana. The home was originally financed, and subsequently paid off ( in approximately XXXX, as my own credit report does attest ), with XXXX XXXX. After submitting the final payment to XXXX, I did receive the paperwork and placed it as well as the cancelled check used to pay the last payment into safe keeping with my mother, because I was in the process of moving from the mobile home and into another house. Notwithstanding my naivety, that mobile home being my XXXX ever home purchase, I was ignorant to the fact that I alone was responsible for requesting that the lien be released, and no such instruction existed with the paperwork from XXXX. This did not become an issue until this year ( XXXX ), after laying either dormant or housing an occasional relative, a prospective buyer approached me, cash in hand and offering to buy it. Having no use for it and its age starting to show, I agreed on the spot for a mutually fair amount. Since I knew I owned it free and clear, I consented to the buyer moving it and we agreed that he would receive the title as soon as I could obtain the paperwork from my mother. Well, during the course of the deal, my mother 's apartment complex building burned to the ground, due to an electrical short per the Fire Marshall. Long story short, the " safe '' filing cabinet, and all but a few photos, was among the items that turned to magma by the time the blaze was brought under control and extinguished. However, in Louisiana, mobile homes are recorded with the DMV, because, since they can, in fact, be reverted back to a vehicle of sorts and possess a XXXX. Therefore, I went to my local DMV and requested both duplicates of the registration and title. It was at this time that I learned that the lien was still listed on the registration, and that until it is removed, a title can not be issued for the home. 
Finally to the point ; to my surprise, it was NOT XXXX XXXX listed as the lien holder, but Bank of America, with whom I had never even dealt with regard to my home. I tried to contact the XXXX office in XXXX, MS , because that 's the address the DMV had on file, but that office had been liquidated. Then, when I contacted XXXX center, they had no previous record of the mortgage or it was " archived '' and unobtainable, and they recommended I contact BoA, which I did. BoA reps were very rude this time, and every instance thereafter, almost blatantly unhelpful in trying to help me resolve the issue. The only half-way useful information they have rendered, to date, is that my mortgage was likely acquired with thousands of others from GTF, and that it just happened that I had already made my final payment GT, who provided my docs, but that BoA actually had gained the asset. 
BoA, upon running my social in their system, they concluded that they had never heard of me or the property, or it was /drum roll ... .ARCHIVED, and unobtainable, stating that if all I had was the registration and ID and that it would be insufficient documentation ... so, good luck with that ... bye! So, I called the FDIC, who instructed me to go to a BoA branch, with my registration, and have the manager place a call directly to the lien release department for BoA. 
About a month ago, I visited the BoA branch in XXXX, TX, as instructed. A supervisor agreed to and did place the call in my presence, and three weeks ago was the last time I heard from the XXXX contact. I totally believe I am being avoided if my number appears on the Caller ID. The FDIC then forwarded me to a comptroller, who forwarded me to the top of BoA ( again rude and unhelpful ), and then to YOU as a backup plan. XXXX of your associates encouraged me to file this complaint. 
Thank you, XXXX XXXX XXXX

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