Consumer complaint received 2015-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
According to XXXX the United States of America Securities and Exchange Commission between XXXX XXXX and XXXX days thereof there was a merger of XXXX Mortgage XXXX XXXX and XXXX XXXX Bank XXXX. Also in XXXX and XXXX of XXXX when XXXX XXXX XXXX took over XXXX XXXX mortgage thenceforth they all used the practice of fraudulent means in securitizing the loan. We have been fighting now for XXXX years just to be heard. Here is list of things I found out in my case but because of lack of income we were force at times to accept whatever help was available. Now since XXXX of XXXX back dating of assignments are being recorded therefore A clouded title has been created and now we are being forced into a foreclosure of our property through illegal means by the members of XXXX super banks evidence of movement and missing assignments etc. We conclude that XXXX XXXX Bank is the Master Servicer involved in the transaction of our loan origination as the dates was change and that our original loan was a repurchase We have also concluded that there is fraudulent activity between all parties involved with our loan, this also includes The Law Firm of XXXX XXXX, XXXX as the debt collector for each attempt of foreclosure of our loan. This also may be construed by us the borrower that you may knowingly or unknowingly be involved with this elaborate scheme of racketeering which is called XXXX and the failure of XXXX in this well designed package of laundering the funds .Be advised that we dispute the validity of this debt and a great portion thereof. We are exercising our rights as consumers to request verification of all assignment, and the acknowledgement of who XXXX XXXX XXXX is as the agent of MERS that was involved with the FDIC insurance paid out on loan.An XXXX Known that these entities share in a very elaborate scheme of theft.Banks committing fraud upon the courts by stating they are the Holder and Owner of the Note- when in fact -they do not own or hold the " original '' tangible Note. Creating fictitious documents XXXX Assignments, Affidavits, and Power Attorney etc XXXX Request homeowners to submit and resubmit loan mod paperwork multiple times that pays the bank {$1500.00} each time. Falsely claiming legal standing by use of names such as Trustee, Assignee, Nominee, Beneficiary, etc.Using fraud, false statements and evidence to invoke the jurisdiction of the court ; Preying on the ignorance of the court and homeowner ; Deceptively convincing borrowers to agree to unfair and abusive loan terms or systematically violating those terms in ways that make it difficult for the borrower to defend against ; Took out forced-placed insurance on property they did not own Altering/modifying loan terms without the legal authority to do so ; Falsely claiming Pooling & Servicing Agreements, industry standards, rules, guidelines or other industry-authored writings supersede the law ; Failing to follow XXXX, SEC and regulatory guidelines ; Using fraudulent means to obtain AAA-ratings on " XXXX loans '' ; Robo-Signing legal documents without review or the legal authority to do so ; Feloniously claim XXXX tax-exempt status ; Falsely claimed tangible Notes were transferred to the Trusts ; Participate in the active concealment of origination fraud ; Converted paper Notes to digital images with no law to support it ; Destroyed original Notes to, cover-up origination fraud ; Backdating legal documents ; Filing forged/faked documents in courts and public land records ; Ignoring customer complaints and " qualified written requests '' ; Embezzlement ; Racketeering - XXXX ; Creating additional false deficiencies through a variety of questionable practices ; Grand Theft ; Tax Fraud ( XXXX ) ; Money Laundering ; XXXX XXXX ; XXXX XXXX ; Statute of Frauds Constitutional and Civil Right violations and Theft of Government Services.

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