Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
According to our PSA 's from the United States of America Securities and Exchange Commission between XXXX XXXX and 90 days thereof there was a merger of XXXX. and Washington Mutual Bank FKA. Also in XXXX and XXXX of XXXX when XXXX XXXX XXXX took over XXXX XXXX mortgage thenceforth they all used the practice of fraudulent means in securitizing the loan. We have been fighting now for over 7.5 years just to be heard. Here is list of things I found out in my case but because of lack of income we were force at times to accept whatever help was available. Now since XXXX of XXXX back dating of assignments are being recorded therefore A clouded title has been created and now we are being forced into a foreclosure of our property through illegal means by the members of XXXX super banks evidence of movement and missing assignments etc. We conclude that XXXX is the Master Servicer involved in the transaction of our loan origination as the dates was change and that our original loan was a repurchase We have also concluded that there is fraudulent activity between all parties involved with our loan, this also includes The Law Firm of XXXX XXXX, XXXX as the debt collector for each attempt of foreclosure of our loan. This also may be construed by us the borrower that you may knowingly or unknowingly be involved with this elaborate scheme of racketeering which is called XXXX and the failure of XXXX in this well designed package of laundering the funds .Throughout the term of our loan with these bank associations and the collegiality accountancy of loan numbers sewn between PNC Mortgage Corp. of America , XXXX , XXXX , XXXX , Countrywide Home Loans Inc. , Country wide, XXXX , XXXX , Bank of America N. A. , Bank of America , Bank of America Servicing LP , The Federal Deposit Insurance Corp. and any other entities we have discovered that the equity was depleted, fraud in the escrow accountability, funds were not transacted to a trust on time rather they were circulated in a private fund and or bank account etcBe advised that we dispute the validity of this debt and a great portion thereof. We are exercising our rights as consumers to request verification of all assignment, and the acknowledgement of who XXXX XXXX XXXX is as the agent of XXXX that was involved with the FDIC insurance paid out on loan.An XXXX Known that these entities share in a very elaborate scheme of theft. 

Banks committing fraud upon the courts by stating they are the Holder and Owner of the Note- when in fact -they do not own or hold the " original '' tangible Note. Creating fictitious documents { Assignments, Affidavits, and Power Attorney etc } Request homeowners to submit and resubmit loan mod paperwork multiple times that pays the bank {$1500.00} each time. Falsely claiming legal standing by use of names such as Trustee, Assignee, Nominee, Beneficiary, etc.Using fraud, false statements and evidence to invoke the jurisdiction of the court ; Preying on the ignorance of the court and homeowner ; Deceptively convincing borrowers to agree to unfair and abusive loan terms or systematically violating those terms in ways that make it difficult for the borrower to defend against ; Took out forced-placed insurance on property they did not own Altering/modifying loan terms without the legal authority to do so ; Falsely claiming Pooling & Servicing Agreements, industry standards, rules, guidelines or other industry-authored writings supersede the law ; Falsely claimed tangible Notes were transferred to the Trusts ; Participate in the active concealment of origination fraud etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation