Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX my spouse and I Veteran XXXX XXXX XXXX and myself XXXX XXXX XXXX received by mail a Notice of Assignment, Sale or Transfer of Ownership of Mortgage Loan.The believe to be prior owner of our home loan had Assigned, sold or transferred to BofA Merrill Lynch XXXX XXXX. XXXX on XXXXWhich now has recently been changed to BoFA Merrill Lynch XXXX XXXX XXXX This change was filed in XX/XX/XXXX XXXXYet still there has been another assignment in which we will address later on in this affirmation. 
New owner 's name : BofA Merrill Lynch XXXX XXXX, XXXX XXXX Owner 's mailing address Attention : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX New Owners telephone number : ( XXXX ) XXXX Servicer 's name : Bank of America , N.A . 
Servicer 's telephone number : ( XXXX ) XXXX Through a Research Entity called The Open Database of The Corporate World- this new entity then and now guaranteed is the Open Corporate mission to open up company data for the public good. On XX/XX/XXXX over 12 years ago BofA Merrill Lynch XXXX XXXX was incorporated under the company number XXXX in the branch of GeorgiaXXXX XXXX is the party involved in our notice of assignment, sale, or transfer of ownership of the Mortgage Loan. this is now being categorized as stock under a XXXX XXXX XXXX. There were four companies undersigned to this corporation and XXXX XXXX was recently dissolvedXXXX XXXX XXXXXXXX XXXX and the the Agent name is XXXX XXXXXXXX XXXX .Agent address XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX, XXXX On XXXX XXXX It was discovered that the new name changed had occurred.The now Bofa Merrill Lynch XXXX XXXX XXXX XXXX for ID is still XXXX for the Georgia Branch.The XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX yet the owner has yet to be declared and a P.E.T.E has been done to place the original loan back under XXXX Mortgage XXXX. Therefore we are prepared to to start deposing every single affiant to an assignment and treating them as a robosignor. If they had no personal knowledge of what they were attesting to, then the notarization were also fraudulent see assignment of XXXX XXXX so forth and on.We believe and insist that our Title is Clouded from the inception or beyond.To illustrate, let 's say Bank of America NA. says that it is the current owner of a note is inside of an entity owned by them as XXXX ( which is a Merrill- Lynch Trust , set up by XXXX ) Since Bank of America NA may claim ownership of the trust ( which there is a good chance this new " trust '' was never disclosed to us. ), the non- disclosure perhaps would be another demonstration of the break in the chain of title. In following the money trail, it could possibly determined how the note was paid for originally ( what investors put up the funding ) and how that loan was being paid down by the stripping of the Equity of the Home Owner. or that loan was being paid down TARP who payed the " pool '' off? .In any case, there is at least one SEC attorney that says the foregoing trust no longer exists! 
The Importance of Carpenter V. Longan Due to fraud being brought on the courts, the homeowner now has additional grounds for which to maintain a quiet title action in favor. The key to a quiet title action is to make the lender and /or his assigns come forward with all documents ; pick it apart through discovery and impeachment by fully examining the chain of title, especially to determine at what point the Deed of Trust ( or mortgage ) was split from the promissory note. Carpenter v. Longan ,83 U.S. 271,274, ( XXXX ) " Where negotiable note is secured by mortgage, " the note and mortgage are inseparable... .the assignment of the note carries the mortgage with it, while an assignment of the latter alone is a nullity. This is essence would defeat the enforceability of the note.Clouded Title by XXXX XXXX

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