Consumer complaint received 04/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Application, originator, mortgage broker

Complaint: XXXX/XXXX/2015 XXXX has given a partial response : Stating they are still working on our issues and will respond in 60 days. 
The XXXX 's claims against XXXX per A.R.S. 33-420 violations are not waived by A.R.S. 33-811 ( c ). 
We believe the XXXX is stalling. 
We believe XXXX will attempt to remove us from our home. 
We believe this is why they require the additional time of 60 days. 
XXXX 's claim that if XXXX succeeds in removing us from our home of 20 years it would cause us further harm : ( I ) XXXX threatened to foreclose/Remove us from our home ... for over 5 years. 
( ii ) We have made payments to an organization or entity that had no right to title or to payments ; We have suffered actual damages in the form of : ( iii ) humiliation. ( iv ) anger. 
( v ) anxiety. ( vi ) emotional distress. ( vii ) fear. ( viii ) frustration. ( ix ) embarrassment. 
( iix ) We have suffered damage to their formerly good credit. ( iiix ) XXXX 's family has been torn apart. ( xiv ) We NOW have a cloud on the title to our home. 
The threatened harm to XXXX 's outweighs any substantial harm to XXXX, because XXXX will suffer no harm whatever in being prevented from foreclosing/Removing Plaintiffs from their real property. ( Home ) 1. " The XXXX 's '' is the True owner of the real property in question. 
2. XXXX " Trust '' etal ... has not presented any evidence substantiating XXXX " Trust '' etal ... ' claims of legal rights to the real property in question, and therefore pursuant to the maxim of law " evidence not in court does not exist '' XXXX " Trust '' etal ... They have no evidence proving they are the legal owner. 
3. XXXX " Trust '' etal ... ' are attempting to unlawfully steal real property from its XXXX XXXX by committing the felonious act of filing false and/or forged documents in a public office to fraudulently establish legal ownership that does not exist. 
4. XXXX " Trust '' etal ... have no lawful standing to initiate foreclose or divest " The XXXX 's of their real property. 
5. XXXX " Trust '' etal ... numerous felonious acts committed against the State of Arizona are prima facie evidence of XXXX " XXXX '' etal ... malum in XXXX intent. 
6. XXXX " Trust '' etal ... numerous felonious acts committed against the State of Arizona bar XXXX " Trust '' etal ... from proceeding against " The XXXX 's '' in action 7. True ownership is an ancient and un-abrogated common law principle that defeats any and all legal ownership claims, fraudulent or not. 
XXXX has been seeking to enforce an obligation and must be so entitled and not create forged documents to facilitate its ability to make a claim. 
XXXX is in violation of : See : A.R.S. 39-161. Presentment of false instrument for filing ; See also : A.R.S. 13-2001. Definitions this chapter, unless the context otherwise requires:1. " Complete written instrument '' 2. " Falsely alters a written instrument '' XXXX. " Falsely completes a written instrument '' XXXX. " Falsely makes a written instrument '' XXXX. " Forged instrument '' XXXX. " Incomplete written instrument '' XXXX. " Written instrument '' XXXX " Trust '' Documents prove to be in-correct on their face and were obviously misstatements or lies. 
See Forensic Examination Attached to Complaint # XXXX " Supporting documents '' XXXX " Laws Violated '' ( A1 ) Federal Trade Commission Sec 5 XXXX Unfair Business Practices - Deceptive Business Acts - Predatory Lending. ( A2 ) A.R.S. 33-706. Assignment of Mortgage ( B1 ) 33-804. Appointment of successor trustee by beneficiary ( B2 ) Federal Trade Commission Sec 5 - Unfair Business Practices - Deceptive Business Acts. 1. Unauthorized Agent, Deceptive Business Act. ( C ) ( C ) USC 1341. Mail Fraud

Company response to consumer: Closed with explanation