Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
From the Desk of XXXX XXXXPrivate Attorney XXXX XXXX XXXX XXXX XXXX andOne of People in a Court of Record XXXX XXXX XXXX XXXX # XXXX, Ca XXXX XXXXConsumer : XXXX XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXPENDING CRIMINAL INVESTIGATIONLAST UPDATE XX/XX/XXXX***VIOLATION OF CODE OF CIVIL PROCEDURE XXXX XXXX XXXX YEAR STATUE OF LIMITATIONS***FEDERAL CONSUMER LAWS CIVIL CODE SECTION XXXX. An apparent consent is not real or free when obtained through 1. Duress 2. Menace 3. Fraud 4. Undue Influence or 5. MistakeFEDERAL CONSUMER LAWS CIVIL CODE SECTION XXXX. An apparent consent is not real or free when obtained through 1. Duress 2. Menace 3. Fraud 4. Undue Influence or 5. MistakeFEDERAL CONSUMER LAWS CIVIL CODE XXXX. XXXX. XXXX. XXXX. XXXX. XXXX. XXXX. AND XXXXPENAL CODE XXXX FALSE DOCUMENTS RECORED IN THE COUNTY RECORDERS OFFICE PENAL CODE XXXX CRIMINAL CONSPIRACIES PENAL CODE XXXX ( a ) ( b ) ( c ) ( d ) FORGERY CALIFORNIA CODE OF CIVIL PROCEDURE XXXX AND XXXX XXXX Sec. XXXX. Liability of directors and officers of member banks ; XXXX XXXX Sec. XXXX. Civil money penalty ; XXXX XXXX Sec. XXXX. Tax on circulating notes generally ; XXXX XXXX Sec. XXXX. Receipt of United States or bank notes as collateral ; XXXX XXXX Sec. XXXX. Conversion of banking corporation into XXXX corporations ; procedure XXXX XXXX Sec. XXXX. Offenses by officers of corporation ; punishment ; XXXX XXXX Sec. XXXX. False representations as to liability of Unites States for acts of corporation ; punishment ; XXXX XXXX Sec. XXXX. Jurisdiction of United States courts ; disposition by banks of foreign owned property ; XXXX XXXX Sec. XXXX. Congressional findings and declaration of purpose ; XXXX XXXX Sec. XXXX. Validation of Debts ; XXXX XXXX Sec. XXXX. Furnishing certain deceptive forms ; XXXX XXXX Sec. XXXX Criminal liabilities ; XXXX XXXX Sec. XXXX. Administrative enforcement ; XXXX XXXX Sec. XXXX. Uttering counterfeit foreign obligation or securities ; XXXX XXXX Sec. XXXX. Possessing counterfeit foreign obligations or securities ; XXXX XXXX Sec. XXXX. Prohibited activities ; XXXX XXXX Sec. XXXX. Subpoenas for bank records ; XXXX XXXX Sec. XXXX. Reports on exporting and importing monetary instruments ; XXXX XXXX Sec. XXXX Action for neglect to prevent ; PENAL CODE XXXX FALSE DOCUMENTS RECORED IN THE COUNTY RECORDERS OFFICE PENAL CODE XXXX CRIMINAL CONSPIRACIES PENAL CODE XXXX ( a ) ( b ) ( c ) ( d ) VIOLATION OF GOVERNMENT CODE XXXX ( d ) Failure to Discharge the Duties or Responsibilities of a Notary PublicVIOLATION OF GOVERNMENT CODE XXXX ( XXXX ) Adjudged Liable for Damages in Any Suit Grounded in Fraud, Misrepresentation, Violation of State Regulatory Laws or Failure toDischarge Fully and Faithfully the Duties of a Notary PublicVIOLATION OF GOVERNMENT CODE XXXX ( i ) Act Involving Dishonesty, Fraud, or Deceit with the Intent to SubstantiallyBenefit the Notary Public or Another, or Substantially Injure AnotherVIOLATION OF GOVERNMENT CODE XXXX ( l ) Execution of any Certificate as a Notary Public Containing a StatementKnown to the Notary Public to be FalseExecution of a certificate that the notary public knew contained false information. 
VIOLATION OF GOVERNMENT CODE XXXX ( o ) Failure to Secure XXXX or Official stampPlanning Checklist Items Yes No Not Required CommentsGRANT XXXX # XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX GRANTS XXXX XXXX XXXX OF XXXX # XXXX TITLEDOC # XXXX ORDER # XXXX XXXX XXXX XXXX XXXX COUNTRYWIDE HOME LOANS XXXX XXXX. 
TRUSTEE- RECONTRUST COMPANY, XXXX. 
XXXX IS BENEFICIARY***XXXX WAS SUSPENDED XX/XX/XXXX BY THE SECRETARY OF STAT

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