Consumer complaint received 2017-12-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
REF : Your correspondence purporting to allege a debt claimed by : XXXX XXXX XXXX XXXX never was and no longer in business as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA [ XXXX ] ( XXXX ) XXXX Account # XXXX Alleged Balance $ {$460000.00} + interest up to {$510000.00} The offer to fully pay/discharge the attached claim of debt on the condition that the claiming parties comply with this notice within 10 days of receipt of this correspondence has now passed, XXXX XXXX and all banks involved XXXX XXXX XXXX XXXX, Bank Of America and including XXXX XXXX XXXX have been notified that this debt was created by identity theft of the real parties in interest who owns and controls the real property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX California [ XXXX ]. XXXX XXXX had two years to notify all parties as the once alleged they owned the loan then later stated that they where only the servicer. Deceptive and misleading, all banks involved. More over XXXX XXXX XXXX has failed to also not limited to XXXX XXXX XXXX and XXXX XXXX XXXX to verify the alleged debt. The documents they provided are fraud and forged. It is believed that the Notary XXXX XXXX forged the documents on behalf of XXXX XXXX XXXX XXXX and other banks involved. This was kept in fraud movement due to employees XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and other XXXX XXXX employees. XXXX XXXX XXXX did as XXXX XXXX and all other banks involved failed to verify this alleged debt and has repeatedly produced new and more forgeries newly created. The following documents provided by all banks involved and as others stay quite not producing or announcing their presence as requested. 
The Deed Of Trust is possible forged by XXXX XXXX It is believed that several XXXX XXXX employees and notary are known XXXX users. The entire loan document is forged and or robo signed by banks and their employees.XXXX XXXX stated that the account for XXXX XXXX was created XX/XX/XXXX, and again on XX/XX/XXXX acting as a medium to pay taxes therefrom No signatures of agents and or officers have been provided to verify this alleged mortgage. The loan itself is fraud due to the timing There is no credit history with either banks for a mortgage loan and therefore all information has been deleted from the real party ( s ) in interest Aka the real property home owners. There is no credit check history for this fraudulent alleged loan which indeed and in all accounts shows that there was clearly Identity Theft. 
Bureau of California Real Estate are investigating and has stated that this is common in the state of California known as DEED FRAUD Court records that clearly indicate that XXXX XXXX XXXX nor XXXX XXXX XXXX have anything to do with any loans such as Mortgages Bank Loans nor any other type of loans not limited to addresses and other locations listed on credit report in the process of being removed. Along with new documents presented by XXXX and XXXX XXXX and its employees listed therein not limited to XXXX non existing documented agents and or officers there are several documents not listed from HUD XXXX XXXX and XXXX refused to provide all listed information including a wet signature which it is impossible to have due to the forged signatures upon the documents produced by XXXX and XXXX which has been deemed forgeries more over no names or personnel has listed as in history of position title how long have they worked with the alleged records department bio resume etc, .. this is clearly fraud identity theft extortion. Since the banks know that XXXX XXXX XXXX and his company is owed {>= $1,000,000} from his investments with XXXX XXXX XXXX XXXX now XXXX XXXX XXXX they are attempting to extort distract and harass for monies not owed and or at least proven. Banks continue to request the same documents of police reports signatures and affidavits from the real property owners XXXX XXXX XXXX and XXXX XXXX XXXX which has been provided for the past two years yet they ignore those documents by creating in their minds an illusion that the attack upon their names and good reputation that some how the real property owners would simply give in and pay them XXXX XXXX had received {$830000.00} for the alleged loan note by the insurer of this alleged loan rather they continue to attempt to extort MERS can not and is not legally in the position to own property nor to collect any funds be it servicing nor by way of a foreclosure all attempts in doing so has created a lawsuit against all involved. NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS*******SILENCE IS ACQUIESCENCE******* NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation