Consumer complaint received 2016-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I sent Bank of America qualified written request in compliance with and under the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ) and Regulation X at 24 C.F.R. XXXX, and The Gramm Leach Bliley Act, A TILA Request in compliance with the Truth in Lending Act and a Dispute of Debt and Debt Validation Letter in compliance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, and FIOA on XXXX XXXX, XXXX. My qualified written request was notarized by XXXX XXXX XXXX, XXXX Republic for the Commonwealth of Massachusetts and was sent certified mail number XXXX XXXX XXXX XXXX XXXX. I received a response from XXXX XXXX, Litigation Specialist II on XXXX XXXX, XXXX stating that only XXXX pages were to be included ; however on XXXX pages were received and I have until XXXX XXXX, XXXX ( only XXXX day ) to respond or they will close the case. This letter had no contact information other than a fax number and the XXXX pages that they received was not included. I tried reaching out to Bank of America to contact XXXX XXXX and no one there seems know who she is. I have faxed the qualified written request to XXXX today and also attached the fax transmittal sheet as proof. Bank of America is acting in bad faith and is refusing to comply with my request. 
I am writing Bank of America to inquire about the accounting and servicing of this mortgage and my need for understanding and clarification of various sale, transfer, funding source, legal and beneficial ownership, charges, credits, debits, transactions, reversals, actions, payments, analyses and records related to the servicing of this account from its origination to the present date. 
To date, the documents and information I have, that Bank of America have sent, and the conversations with their service representatives, have been unproductive and have left unanswered questions. As a consumer, I am extremely concerned about predatory practices, specifically regarding this mortgage company or anyone who has any interest this matter. 

I am concerned about the possibility of potential fraudulent and deceptive practices by unscrupulous mortgage brokers ; sales and transfers of mortgage servicing rights ; deceptive and fraudulent servicing practices to enhance balance sheets ; deceptive, abusive and fraudulent accounting tricks and practices that may have negatively affected my credit rating, mortgage account and/or the debt or payments that I am currently, or may be legally obligated to. 
THEREFORE, I am legally and lawfully able to demand, and do demand, first hand evidence and information from Bank of America, pertaining to the original, uncertified or certified, security, regarding my account, # XXXX. Failure to provide this security will be confirmation that you had not created or owned one. Bank of America is not above the law and by law they have to comply.

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