Consumer complaint received 04-01-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX have been defending their property against fraud for over 5 years the cases have been dismissed with no discoveries. 
The XXXX clearly allege in their Complaint exactly how XXXX and its confederates filed forged documents into the XXXX XXXX XXXX XXXX in violation of, XXXX XXXX, XXXX. XXXX, XXXX XXXX and the Consumer Fraud statutes. also used these same documents before the courts. XXXX XXXX XXXX XXXX XXXX XXXX " XXXX '' have failed to validate proper standing pursuant to XXXX See : Cases XXXX / XXXX XXXX Here are some of the issues that appear unaddressed by the courts : 1. The entity exercising a power of sale must be authorized to do so, here no such authorization exists ; 2. Filing false and forged documents is subject to civil action and penalties ( XXXX ) ; and 3. Filing false or forged documents is subject to criminal action. ( XXXX ). 
" Deed of Trust ''. XXXX No consideration was given to XXXX for their Note. 
XXXX had no interest to transfer to XXXX in XXXX, because XXXX XXXX has been Paid in Full. 
The Deed of Trust interest had stayed with XXXX XXXX, which effects a bifurcation. 
In Arizona, XXXX. XXXX. 
Once the Note and the Deed become separated, the note is unsecured and the mortgage is unenforceable by the transferee. In XXXX XXXX at XXXX. 
" XXXX XXXX SECRETARY OF STATE OF ARIZONA '' XXXX XXXX, XXXX 1. the Notary failed to keep a journal in accordance with XXXX. XXXX - 2. Failure to discharge fully and faithfully the duties of a notary public. XXXX. 
1st. XXXX, a now non-existent entity, had any interest left to transfer or assign via XXXX in the XXXX XXXX. 
2nd. No written authorization of all beneficiaries was included, as mandated by XXXX XXXX, 3rd. There was no indication that XXXX XXXX had authority to sign for XXXX, 4th. There was no indication that XXXX was in fact prescribed with powers for XXXX as Indenture Trustee, on behalf of the holders of the XXXX, XXXX XXXX XXXX. 
5th. XXXX XXXX XXXX XXXX XXXX XXXX was not a valid beneficiary under XXXX because the Assignments were invalid. 
6th. The last allegedly valid record beneficiary was XXXX XXXX, and the note had been transferred away from the deed of trust by XXXX XXXX, or 7th. The note was not in the XXXX, XXXX XXXX XXXX as represented, because the securitization trust, XXXX, must have accepted a valid transfer of the interest in the note in XXXX, not XXXX/XXXX/XXXX. 
8th. Recontrust was not properly substituted as Trustee by a valid beneficiary as defined in XXXX and was not a valid trustee under the statute. 
9th. The Substitution of Trustee Arizona asserted an interest in real property and contained material misstatements that were known to be false, 10th. The Notice of Trustee 's Sale dated XXXX XXXX, XXXX also violates XXXX XXXX because it contained false statements regarding the identity of the claimed trustee and beneficiary. 
11th. This Notice was signed by XXXX XXXX XXXX, not a valid trustee appointed by a valid beneficiary, and was not valid notice under XXXX, 12th. Prior to the Corporation Assignment of Deed of trust, executed XXXX XXXX, XXXX, nowhere in the recorded documents of the XXXX XXXX XXXX XXXX XXXX does it appear that any entity other than XXXX became beneficiary of the Note and Deed of Trust, 13th. XXXX has make a bold assertions that the Note was placed in the Asset Backed Certificates, XXXX XXXX trust with XXXX XXXX XXXX XXXX XXXX XXXX as Trustee. 
Fraud vitiates everything ... Fraud in county records has harmed and damage the XXXX

Company response to consumer: Closed with explanation