Consumer complaint received 2016-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America has an illegal lien on my property and is refusing to send me a lien release letter to have it removed. The mortgage, which precipitated the lien, has been paid off. On XXXX/XXXX/XXXX, a title was issued on a mobile home I purchased - Illinois Title number XXXX. My mortgage lender, XXXX XXXX Bank XXXX XXXX XXXX FDIC # XXXX XXXX, put a lien on the title for the received mortgage. According to FDIC information, XXXX XXXX Bank XXXX XXXX XXXX has been " merged or acquired without government assistance ''. The website states " see the successor institution, Bank of America , National Association XXXX FDIC # XXXX ). '' This proves that Bank of America is in fact the successor to this bank. Bank of America has denied that they are XXXX 's successor, and have told me that the bank is still in existence and that I should contact them. However, they can not provide me with a phone number or address for said bank. BofA has also stated that they need a title search, which has been repeatedly faxed. In request # XXXX to Bank of America, talking to XXXX in Mortgage Customer Service ( XXXX ), XXXX told me on XXXX XXXX, XXXX that I would hear about the matter by Friday, XXXX XXXX. In request # XXXX, I faxed to XXXX, a copy of a title search from the IL Sec XXXX XXXX 's office, a copy of a previous mortgage statement from XXXX ( a former name of Bank of America XXXX with loan number XXXX at the top, and a copy of the webpage from the FDIC website stating that Bank of America is the successor bank to XXXX XXXX Bank XXXX XXXX, IL. As I heard nothing by noon on Friday, XXXX XXXX, I called again and talked to " XXXX '' and asked her to message XXXX telling her that if I did n't hear back from her by the end of that day concerning that matter, I would follow through with a complaint to the OCC. I heard nothing. The effort to resolve this matter began around XXXX XXXX with efforts daily from both me and my title company XXXX XXXX XXXX XXXX XXXX, IL ). Bank of America has shown me nothing to show they still have any reason for continued interest in the form of a lien on this property. The mortgage was paid off in XXXX. On XXXX XXXX, XXXX, XXXX XXXX Bank was acquired by XXXX XXXX Bank. On XXXX XXXX, XXXX, XXXX XXXX Bank was acquired by XXXX, XXXX. On XXXX XXXX, XXXX, XXXX was renamed to Bank of America. I have mortgage statements and cancelled checks in the name of XXXX still in my possession, and have been faxed to Bank of America. The XXXX number of the mobile home is XXXX. The title number is XXXX. The loan number on my old XXXX statements is XXXX. Bank of America tells me that the mortgage is too old to still be in their system. It is on their burden to show that I still owe any money to them on this loan. Failure to be able to show that, the bank should produce a lien release letter. A title search has been supplied to them on multiple occasions, and proof that the loan landed in their hands has also been supplied through both FDIC information, and an old mortgage statement.

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 non-monetary relief