Consumer complaint received 2016-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
There may have been as many as XXXX banks that were assignees from XXXX Bank, the originator of the Note and Security Deed, to Countrywide Bank and then to Bank of America. 
Accordingly, we wanted from Bank of America, and/or Bank of America , NA as Trustee on Bofa Merrill Lynch XXXX XXXX XXXX XXXX with an accounting detail of past mortgage payments, including interest, expenses, charges, taxes, and other accruals to the determine the proposed mortgage modification amount proposed by Bank of America. In other words how did Bank of America determine, in detail, the amount due with a break-down of all items summarized to equate the amount due in the proposed mortgage modification. 
As a homeowner we have not received a written offer from Bank of America N. XXXX, as the lender or servicer that we deem acceptable. The federal Real Estate Settlement Procedures Act, 12 U.S.C. Section XXXX ( e ), gives me the right to request information about my mortgage account. It also gives me the right to demand and compel that my account be corrected, before a decision on our behalf can be made to modify our loan. In this QWR statement this is also an Appeal to review the loan modification terms before an agreement to sign. On XXXX XXXX a letter came from the Lender Server Bank of America , N.A . explaining that as the Investor Bank of America , NA as Trustee on Bofa Merrill Lynch XXXX XXXX XXXX XXXX have the authority to respond to our request. 
A complete payment history which lists the dates and amounts of all the payments I have made on the loan to date, and how each payment was applied or credited ( whether to principal, interest, escrow, suspense, or some other treatment ) A breakdown of the amount of claimed arrears or delinquencies on the account, including an itemization of all fees and charges you claim are currently due The payment dates, purpose of payment, and recipient of any and all fees and costs that have been charged to the account The payment dates, purpose of payment, and recipient of all escrow items charged to the account A copy of any annual escrow statements, and notices of a shortage, deficiency, or surplus sent within the last three years The current balance in any suspense account as of today and the reason why such funds were deposited in the account The name and address of the owner of the promissory note secured by the deed to secure debt for the mortgage loan referenced above The names of all entities to whom the promissory note referenced above has been sold, assigned or transferred, and the dates that each sale or transfer of the note occurred A copy of the note referenced above, and any attachments showing endorsements that have occurred A copy of any assignment of the note or deed to secure debt A description of all loss mitigation and foreclosure avoidance steps taken with regard to this mortgage loan, including all calculations concerning debt-to-income and net-present-value determinations and all documents regarding loss mitigation A description of any foreclosure avoidance steps taken with regard to this mortgage loan A copy of any Assignment Assumption Agreements concerning the securitization process of my loan What is the Chain of the Securitization on my loan? 
Was there any legal representation on my behalf by XXXX XXXX XXXX XXXX involved in any negotiations concerning the modification of loan terms? 
Who are the Trustee/s of loan and or Trustee of my Deed and Trust from the life of the loan? 
Has my loan ever been through Bifurcation at any time for the life of the loan? 
XXXX

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