Consumer complaint received 2015-05-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
About XXXX/XXXX/XXXX XXXX XXXX XXXX re-fied a mortgage with XXXX . In XXXX XXXX. I am : XXXX :, the authorized agent for the XXXX XXXX XXXX account. 
XXXX was suspended from trading by the SEC and filed for bankruptcy. 
XXXX/XXXX/XXXX XXXX filed bankruptcy Chp XXXX. XXXX XXXX, XXXX all debts discharged. XXXX XXXX XXXX. XXXX DECLARED OFFICIALLY OUT OF BUSINESS.On XX/XX/XXXXa robot-signed document by XXXX XXXX appeared in the STATE OF XXXX LAND COURT yet is not stamped as not a fact and marked as very suspicious. It was recorded on a old Cert. of Title and not the actual one, so it has no effect on Title. She acted as vice-president of XXXX ( a defunct OUT-OF-BUSINESS XXXX XXXX XXXX and robo-signed as VP of NEW CENTURY in XXXX, Texas, assigning mortgage to XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX, XXXX, SERIES XXXX, ASSET BACKED PASS-THROUGHCERTIFICATES. In reality XXXX XXXX was VP OF BAC HOME LOANSINC. overseeing all the Countrywide acquisitions and assigned mortgage fraudulently. 
BAC HOME LOANS INC. claimed to be the mortgage servicer from then on. On XXXX, XXXX I realized all this fraud and sent my T.I.L.A. RIGHT OF RESCISSION NOTICE toBAC HOME LOANS INC. & XXXX as Trustee along with a complete anddetailed RESPA request, none of which were never answer completely. My mortgage andNote are cancelled for fraud and non-disclosure under TILA, yet the mortgage and noteare still traded as assets. BAC HOME LOANS, INC, became BANK OF AMERICA , N.A . 
who later assigned mortgage over XXXX, XXXX around XXXX. Account # XXXX underXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, HI XXXX. This claim is in conjunction with another complaint on XXXX, XXXX who claim they have a valid mortgage on this property yet nothing could be further from the truth. A infamous case here in XXXX is XXXX vs. XXXX, where XXXX. XXXX XXXX ruled XXXX had no standing since they held a XXXX which was out of business in receivership and all XXXX along with XXXX are invalid. I have not had a mortgage since XXXX on all my credit reports. Here in Hawaii my property is in the LandCourt System. regulated under the Supreme Court of XXXX, not the circuit courts. 
These fraudulent " lenders '' can not pull their fictitious claims in Land Court, thus their claims arenull and void. The alleged loan is actually a promissory note cashed out and sold toXXXX, as Trustee for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SERIES XXXX, ASSET BACKED PASS-THROUGH CERTIFICATES thus canceling thecontract. The apparent sale was within 6 months after XXXX XXXX, XXXX, and neverrecorded properly here in XXXX Land Court, thus it has no effect. My Right ofRescission, Right to Cancel is warranted. I documented all these facts over the pastfew months to XXXX XXXX XXXX XXXX XXXX, XXXX. The said mortgage is recorded on an oldcertificate of title and has no relevance to my current Certificate of Title. I haverecorded my NOTICE OF RESCISSION BY OPERATION OF LAW as of XX/XX/XXXXhere in the LAND COURT SYSTEM. They recognize it is relevant as does a unanimousSUPREME COURT OF THE UNITED STATES in their recent decision/ruling XXXXvs XXXX No. XXXX decided XXXX XXXX, XXXX. My Right to Cancel must beupheld, and not construed as and opinion to be adjudicated.TILA is statutory. 
OPERATION OF LAW is Statutory. I demand my canceled mortgage and note bereturned to me immediately as 5 years is way past the 20 days stipulated. I demandpenalties, accrued be settled, and all counting corrected immediately. Any alleged liensmust be released also. Thank you.

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