Consumer complaint received 2016-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have already complained about Bank of America, in tracking number XXXX at this cfpb website. What I complained about were ( from memory now ) 2 things ; 1 was they accepted us into a program to modify our home loan, but dragged it out, while deceiving us, in my opinion, and at the same time confused the heck out of the issue by approaching us thru both avenues from their Legal Dept and Mortgage Dept. They played us and deceived us. - Then, " BANA '' sold our file to XXXX Bank. 

It is perfectly legal, i 'm sure, for them to sell our file, but, a new problem came up when BANA 's contract legal entity responded to my complaint by saying first that, as if, for a fact that I " acknowledge they were no longer had custody of ; or in ownership, or control of that file - and I objected - yeah i was angry and it showed, and i 'm sorry to snap back but, there is no way I could have acknowledged that the file was indeed out of their hands and transferred to XXXX Mortgage services, without having seen the legal proof of that. I called them and their work and claims " sloppy '' for claiming i acknowledged a " fact '', when, all I could acknowledge was that BANA actually only TOLD me the file would be transferred on XX/XX/XXXX. My original complaint with them was on XX/XX/XXXX. - I was so angry, because it seems everything that used to be good about the USA has been reduced to relying on ignorance and stupidity.. eg : Our 4th Estate ( Journalism & News ) : When they can not get details correct and get sloppy, as in : " The White House knows exactly where the WMD in XXXX are '', vs the FACT of the matter : " The White House SAYS they know exactly where ... '' Am I losing my mind? -- That contract law firm should have responded to my anger by THINKING about it, and deciding to be sure that all the i 's were dotted and t 's were crossed, and that the " Bill of Sale '' or whatever it is called was fully complete, error-free, and legal .... And then respond, and even send me a copy showing the account number, the street address, city, state, - their name, my name, the receiving bank 's name, all spelled correctly so that I can see the proof required for me to " acknowledge '' a transfer went thru and was fully legal. 

My middle initial is " XXXX '', and what XXXX used for my middle initial was " XXXX ''. 
I have a red flag there, and i want to be sure the note is complete and legal, or I will have nightmares forever that " BANA '' will come after me in 10 years, saying they made a mistake, and the file was never actually sold afterall, because of a typo that showed my name incorrectly, thus null & void and whatever money i paid to XXXX in the meantime was my responsibility to go after, but that " BANA '' wants payment in full. 

I am not an attorney, but if names and details on any bill of sale are not correct, then in my limited awareness of these things, it was a bogus transfer. 

Therefor, note to " BANA '' - Show me the legal note of sale for that file. Make sure all T 's are crossed, I 's dotted, and redact the sale price, or terms if you must, but show me the proof the file was legally transferred, and never be sloppy with facts ever again. 

IF i have to come after BANA with some legal force to do this, it eats into my funds I have been saving to prove all these years that we can qualify for a loan modification with XXXX, if that note was legal. 

Seriously, I am not a lawyer, but i expect nothing less than professionalism when it comes to professional people, especially legal people. 

Show me the proof the file was legally transferred, and do n't expect that BANA word is an acceptable substitute for the factual truth - Why is BANA contract legal this sloppy? Is it an industry-wide problem?? 
Too Big To Function is hand-in-hand with Too Big to Fail. 
I think we 're all screwed. 
I want my USA back, and as an XXXX Veteran, I expect no less. 

Thnx

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