Consumer complaint received 2025-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
This is not a new foreclosure dispute. This is a new complaint about servicing-related document integrity, misrepresentation to CFPB, and Regulation X non-compliance. 

The XXXX Assignment of Mortgage used to foreclose and evict on my loan was executed by XXXX XXXX as XXXX XXXX for MERS and notarized by California Notary Public XXXX XXXX. I recently obtained official information showing serious defects with this assignment : Public investigative materials ( including the XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Report ) list XXXX XXXX as a high-volume MERS signer tied to robo-signing practices in XXXX. 
The XXXX XXXX Clerk-Recorder and XXXX  Secretary of State Notary XXXX XXXX have XXXX by email that XXXX XXXX has never surrendered any notary journals for her prior commission and that there is a long gap in her commissions ( prior commission ended around XXXX ; XXXX XXXX begins XX/XX/XXXX ). 
Because no journal was surrendered, there is no notary journal entry available to verify this XX/XX/XXXX notarization, as required by XXXX  XXXX. Code XXXX ( c ). 

Despite these document-integrity issues, the Assignment is still being relied upon for servicing and eviction decisions. 
Bank of America, identified by the trustee as Master Servicer, has not provided a complete written response to my written Requests for Information under Regulation X ( 12 C.F.R. 1024.36 ) dated XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX. 
Those RFIs ask for : ( XXXX ) the authority/POA or servicing-agreement delegations authorizing foreclosure/eviction ; ( XXXX ) the XXXX XXXX XXXX row or a custodian search declaration ; and ( XXXX ) records confirming the validity of the XXXX assignment and notarization. 
I have XXXX proof of delivery and emailed the XXXX  to XXXX  designated XXXX address, but BoA has not provided a substantive written response within the required time. 

In prior complaints the trustee ( XXXX XXXX ) told CFPB that it does not service nor have authority to service the loan and directed CFPB to BoA as Master Servicer. However, XXXX XXXX law firm has still been attempting eviction based on this questionable assignment and an expired writ of possession, while BoA continues to ignore my XXXX XXXX XXXX  about the same authority and documents. 

I am asking CFPB to treat this as a servicing / Reg X document-integrity complaint, not as a duplicate foreclosure case, and to require Bank of America to XXXX ( XXXX ) provide a complete written response to my XXXX  under XXXX, and ( XXXX ) address the assignment/notary defects and authority issues described above. 
I also ask CFPB to review whether the prior company responses to CFPB ( trustee disclaiming authority while its counsel proceeds with eviction ) were misleading from a servicing-oversight standpoint.

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