Debt collection -- Written notification about debt -- Complaint #5925094
Complaint Overview
Complaint ID: 5925094
Company: Bank Of America, National Association
Product: Debt collection
Sub-Product: Mortgage debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Nevada
ZIP Code: 89509
Date Received: 2022-08-28T12:00:00-05:00
Date Sent to Company: 2022-08-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
" During a phone call on XX/XX/XXXX, you clarified you were not asking for a copy of the Note, but rather you were requesting a document which showed the rights of this loan was transferred from Countrywide to Bank of America. Due to the MERS HELOC Deed of Trust, we are unable to provide a paper Assignment of Mortgage. However, this is public information, and you can contact the XXXX XXXX XXXX XXXX for the Assignment of Mortgage, if needed. For your convenience, we have enclosed a copy of the Deed of Trust and Note. '' Please refer this response above from Bank of America from my last complaint. I was not asking copy of the deed of trust and note. I already have those in my file. I again rechecked that XXXX XXXX XXXX does not have any paper assignment recorded from Countrywide to Bank of America when Bank of America acquired this MERS HELOC Deed of Trust as you are mentioning. Also I am not sure whether Bank of America did any assignment to another bank even thru MERS and not by paper when the servicing was transferred to XXXX XXXX XXXX on XX/XX/XXXX. Please disclose that information if any assignment was done to another bank. This information is very important for me as consumer in the context of NRS 106.210 which is as follows : XXXX of assignments of mortgages or beneficial interests in deeds of trust ; constructive notice ; effect of unrecorded assignments. [ Effective XX/XX/XXXX. ] 1.Any assignment of a mortgage of real property and any assignment of the beneficial interest under a deed of trust must be recorded in the office of the recorder of the county in which the property is located, and from the time any of the same are so filed for record shall operate as constructive notice of the contents thereof to all persons. A mortgage of real property which has been assigned may not be enforced unless and until the assignment is recorded pursuant to this subsection. If the beneficial interest under a deed of trust has been assigned, the trustee under the deed of trust may not exercise the power of sale pursuant to NRS 107.080 unless and until the assignment is recorded pursuant to this subsection. 2.Each such filing or recording must be properly indexed by the recorder. So Bank of America is requested to answer specifically as follows : a. Any paper assignment recorded from Countrywide to Bank of America. answer yes or no? b. Any subsequent paper assignment recorded from Bank of America to another bank or debt company. answer yes or no?
Frequently Asked Questions
What is Complaint #5925094 about?
Complaint #5925094 was filed against Bank Of America, National Association regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2022-08-28T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Bank Of America, National Association?
Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.