Consumer complaint received 2015-06-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I first obtained this XXXX mortgage from XXXX XXXX on XXXX XXXX, XXXX. According to the attached allonge, XXXX XXXX sold the Note on XXXX XXXX, XXXX to Countrywide, XXXX day before I even signed the loan origination documents! In hindsight, I see that I allowed myself to fall victim to a predatory loan and should have declared XXXX XXXX Bankruptcy at that point. It did serve to prolong the filing of my bankruptcy up until XXXX, and it went through in XXXX. Countrywide was taken over by Bank of America ( BA ) in XXXX. BA transferred the servicing of my XXXX Mortgage over to XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX. With XXXX XXXX, Countrywide, and BA servicing my loan, my due date for payment was the XXXX of each month. However, I am paid on the XXXX of each month, and all three banks allowed me to pay within the grace period. However, when XXXX XXXX took over the servicing, they started calling me and my family from the XXXX of each month asking for immediate payment. Some months were better than others. However, the medical bills my family faced with XXXX special needs children got to the point to where I could no longer make payments on our first and second mortgages. I stopped making payments in XXXX of XXXX. Then the harassment calls from XXXX XXXX intensified, including a person stopping by my house and talking to my wife and children when I was not there. In research, I started to learn about the mass fraud and corruption that had been taking place in the mortgage banking and servicing practices. For example, I read about the testimony of a former Countrywide employee in the XXXX XXXX Countrywide XXXX case in the XXXX Bankruptcy Court in XXXX, about Countrywide 's illegal practice of holding on to Notes when they sold loans to other banks, leaving BA with a big mess. Therefore, I decided to challenge BA and XXXX XXXX, that they did not have the original documents or a clear chain of ownership to threaten me with foreclosure. Before the new RESPA Amendments took effect, I wrote XXXX RESPA QWRs to XXXX XXXX in XXXX starting in XXXX. Included in my first QWR was a cease and desist request to stop the harassing phone calls, and those calls did stop. XXXX XXXX XXXX Legal Department did eventually start responding to my QWRs. They sent me a huge document file from MERS containing nominal copies of my originating documents, the XXXX allonge mentioned above, and tax records from someone who lived in XXXX, many miles from my home in XXXX! When I confronted them about the tax records of someone else being in my MERS documents and what happened to my tax documents, they blamed it on the former servicer. See the attached letter from XXXX XXXX dated XXXX/XXXX/XXXX. XXXX XXXX 's last letter to me from their Legal Department, dated XXXX/XXXX/XXXX is a good summary of their responses to me and it is attached. I did not follow up on their offer to see the note at their office in XXXX. I could not afford to retain an attorney to go with me to verify the Note 's authenticity. They did tell me that Bank of America , N.A . owns the Note. However, they have not told me the name of the Custodian. If the Promissory Note still exists, based on research it should be in XXXX XXXX. In the multiple documents sent me by XXXX XXXX there were no assignments to the Security Deed and there was only XXXX allonge to the Promissory note from XXXX XXXX to Countrywide the day before I signed the Promissory Note and Security Deed. I stopped communicating with XXXX XXXX after their XXXX XXXX, XXXX letter, and started focusing more on writing RESPA QWRs to the servicer of my first mortgage. XXXX XXXX has not called me at all in XXXX or XXXX. I am going to ask my questions to Bank of America in the desired resolutions section of this complaint.