Bank of America Debt Collection Complaint

Bank of America Debt collection department,

Mortgage Taking/threatening an illegal action Seized/Attempted to seize property Michigan

This Affidavit and Notice Complaint is being filed with the Consumer Financial Protection Bureau for a more transparent investigation. - - - - - -. and attorney - - -, ( - ), [ hereinafter " debt collector '' ] who believes that after an Assignment was executed they were authorized to execute a Sheriff Deed on Mortgage Sale that is valid and has denied the consumer remedy to a complete and accurate investigation re : to the alleged transfer to the named trust - - Asset-Backed Certificates Series -, which caused a void or voidable lien to attach to property address : - - - There are issues where the consumer has been condemned and denied remedy and now offers this complaint for their refusal to independently conduct or outsource an investigation into the assignment despite the consumer 's request to review ALL documents ( proof of claims ) subject to public access and to


The " debt collector '', refused, despite the consumer 's request to provide ( proof of claim ) which would verify its debt collection activities and that - - - - - ) attorney for - - - -. was in fact the Vice President of - and did not act in collusion with the banks to use the private database called - to circumvent a securitization procedure ( establishing priority of liens ) and the property 's legal owner [ valid recorded lien holder ] to avoid the expense of properly recording a transfer, thus leaving concealed behind - the ( securitization ) and the time frame in which a property assignment ( transfer ) should be made to the trust and recorded. Pursuant to - -, - - - ( - - - ( in this case the - - provides the most cogent state court analysis of the problem created by securitization - the " splitting '' of the note and the mortgage and the real party in interest and standing problems that the holder of the mortgage has when it can not also show that it has clean and clear legal interest in the note ). - assignment does not transfer a mortgage under - law. The secured lender is the person who holds the promissory note the mortgage secures. For the bank, alleged lender, to prove it was the noteholder, the bank, alleged lender, need to supply proof of a written assignment of the note or to produce the original note, endorsed over to the bank, alleged lender of public record. The - assignment is ineffective because - never owned the note. - assignment is ineffective to transfer ownership of a mortgage. Ownership of a mortgage is in issue, the person claiming to own the mortgage must produce an assignment from the original lender or the original promissory note, and that it 's properly endorsed. After the Assignment of Mortgage occurred, the " debt collector '', had ABSOLUTELY no authority, interest, either legal or beneficial in the assignment or the named trust, but yet executed or administered the following documents to be executed on behalf of - - as trustee : - DEED ON MORTGAGE SALE [ recording -/-/- Instrument # - - - Page - ] ; LEGAL DESCRIPTION ( i.e. property ) [ Page - ] ; AFFIDAVIT OF AUCTIONEER [ Pg. - ] ; AFFIDAVIT OF PUBLICATION - -. - ] ; EVIDENCE OF SALE [ Pg. - ] ; NON-MILITARY AFFIDAVIT - -. - ] ; AFFIDAVIT REGARDING REDEMPTION [ Pg. - ] ; AFFIDAVIT OF COMPLIANCE [ Pg. - -. The above documents involve the element of forgery [ robo-signing ] which was used in collusion with the assignment as an attempt [ transfer ] and to sale/auction property to the " HOLDERS '' of the named trust to commence foreclosure, but in reality no actual sale/auction or foreclosure could ever take place under void assignments.