Consumer complaint received 2015-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
This complaint is in addition to Case number : XXXX : Bank of America provided Move-Out agreement which was delivered to my property at XXXX XXXX XXXX XXXX, XXXX TX on XXXX by XXXX XXXX XXXX email XXXXXXXXXXXX. The document provides offers of settlement in various amounts based on move out dates agreed upon. After looking over the documents and making an attempt to call XXXX only to find it was a disconnect phone number once belonging to Bank of America and then saw Fax Numbers were Colorado area codes and the address to XXXX XXXX XXXX was also the same address used for Bank of America and XXXX XXXX XXXX, it just reassure me that Bank of America once again was trying to introduce more deceptive actions against the property. I have attached a copy of the document as well as once again attaching documents which have notary fraud, and issues with Titles of Bank of America Employee XXXX XXXX XXXX with discrepancies in signatures as well. " The Lender '' America 's Wholesale Lender the party who was to initiate, authorize a trustee to foreclose on the property failed to enter a Assignment of Deed of Trust until 3 years after Bank of America/Countrywide Merger. Furthermore, the Note to the Deed of Trust had to meet up with the pool in order to properly securitize the note in the XXXX or XXXX for tax incentives. If the assignment was not done until 3 years after the merger between Bank of America and Countrywide Mortgage then this means the note never made it to the pool before it closed XX/XX/XXXX. So now we have " The Lender '' a dba, fictitious entity which was not a Corporation existing in New York in XX/XX/XXXX or Texas for that matter and still is not a Corporation in Texas today. The Lender " America 's Wholesale Lender '' with a address of XXXX, XXXX, CA XXXX did not exist as a person or anyone who had standing or authority to initiate trustee or Servicer to foreclose. With notary fraud as well as discrepancies of employee XXXX XXXX XXXX as Attorney in Fact, and Assistant Secretary to XXXX aka XXXX., BOA and XXXX clearly have failed to follow both business and trust laws. I do not accept the agreement as it is written, and I feel that Bank of America needs to address " The Lender '' America 's Wholesale Lender, A Corporation, any Truth and Lending Violations this created and should have to pay for all of the deceptive acts on this property and for all of the hurt, and pain, lost nights of sleep, paper, ink, and fraud upon Land and County Records, loss of Income for days missed from work to try and handle the fraud and stay on top of this continuous nightmare that I have lived every day for 5 years because of deception, trying to steal a property that does not belong to Bank of America or XXXX XXXX. Bank of America has yet to say " America 's Wholesale Lender '' A Corporation existed or did not exist. Who is the Lender? Bank of America you had no standing to foreclose or any say because the Lender " America 's Wholesale Lender '' is a dba, fictitious name, assumed name, verified as true by Secretary of State TX, Texas XXXX, XXXX, XXXX of Texas. All of them in agreement that America 's Wholesale Lender is not " A Corporation '' licensed to do business in Texas or exist under Texas Law. Not only did you violate the Note to the Deed of Trust ( TILA ), you violated New York Trust Law the Pooling and Service Agreement. Yet you do n't get it. Move-Out documents contain false phone numbers, Colorado fax numbers, and the address is to Bank of America. Tonight email which reads Insurance paid on XXXX Who paid Insurance? I have Insurance on the property. I have never seen that before.

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