Document List -- (this page was previously titled CFPB - Case: 151221-000345)
Anytime you see a reference to Doc "x" in my publishing, it is referring to a document in this list. At the bottom of this page is the backstory for the CFPB case, and the original statement of facts prior to drafting the Dispute Docs on the home page of this website.
1) Supporting Document List - Currently 110 supporting docs and counting. There are only about 5-10 documents relevant to any given perspective, and I create an abbreviated list of relevant docs for any given topic.
2) Supporting Documents
The format for the file names for the documents is cfpb_docXX_{description}_p.
So for example, the file name for Doc 5 is "cfpb_doc5_bofa_2nd_reset_notice_p.pdf".
Right click on Adobe logo and select "open in new tab" to view/print document without downloading.
| cfpb_doc1_bofa_heloc_stmt_p.pdf |
| cfpb_doc2_pnc_1st_reset_notice_bc_p.pdf |
| cfpb_doc3_pnc_1st_reset_notice_anon_female_p.pdf |
| cfpb_doc4_bofa_1st_reset_notice_p.pdf |
| cfpb_doc5_bofa_2nd_reset_notice_p.pdf |
| cfpb_doc6_bofa_repayment_ext_denial_via_usmail_p.pdf |
| cfpb_doc7_bofa_heloc_agreement_p.pdf |
| cfpb_doc8_bofa_heloc_agreement_is_derivative_p.pdf |
| cfpb_doc9_pnc_heloc_agreement_p.pdf |
| cfpb_doc10_bofa_employee_contact_info_p.pdf |
doc11 placeholder - emails with customer service prior to denial. Show all types of problems and incompetence, but in scheme of things, not relevant. if they become relevant, will format and post.
| cfpb_doc12_bofa_emails_betty_watson_post_falsedenial_p.pdf |
| cfpb_doc12a_original_emails_for_doc12_p.pdf |
| cfpb_doc13_bofa_emails_b_watson_d_carlisle_j_bone_k_spagna_p.pdf |
| cfpb_doc13a_original_emails_for_doc13_p.pdf |
| cfpb_doc14_bofa_emails_david_tinkler_bofa_legal_p.pdf |
| cfpb_doc14a_originals_for_doc14_string1_p.pdf |
| cfpb_doc14b_originals_for_doc14_string2_p.pdf |
| cfpb_doc15_heloc_abc_intro_my_credit_card_p.pdf |
| cfpb_doc16_heloc_abcs_webpage_printout_p.pdf |
| cfpb_doc17_bofa_advertises_heloc_but_sells_derivative_p.pdf |
| cfpb_doc18_occ_on_renewals_bob_piepergerdes_p.pdf |
| cfpb_doc18a_occ_on_renewals_bob_piepergerdes_article_p.pdf |
| cfpb_doc19_bank_racketeering_claims_since_2010_p.pdf |
| cfpb_doc20_bofa_article_fake_underwriting_whistleblowers_alternet_p.pdf |
| cfpb_doc20a_bofa_article_fake_underwriting_whistleblowers_propublica_p.pdf |
| cfpb_doc20b_bofa_article_fake_underwriting_whistleblowers_sequenceinc_p.pdf |
| cfpb_doc21_bofa_article_racketeering_lawsuit_p.pdf |
| cfpb_doc22_bofa_article_too_crooked_to_fail_p.pdf |
| cfpb_doc23_investment_bankers_want_cash_on_balsheet_p.pdf |
| cfpb_doc24_investment_bankers_want_cash_on_balsheet_article_p.pdf |
| cfpb_doc25_the_media_and_jp_morgan_1917_p.pdf |
| cfpb_doc26_historical_banking_quotes_of_relevance_p.pdf |
| cfpb_doc27_heloc_crisis_banker_benes_losses_4_citizens_p.pdf |
| cfpb_doc28_industry_collusion_2015_p.pdf |
| cfpb_doc29_industry_collusion_mid2000s_p.pdf |
| cfpb_doc30_racketeering_bofa_style_p.pdf |
| cfpb_doc31_heloc_crisis_victims_high_credit_p.pdf |
| cfpb_doc32_heloc_crisis_overview_p.pdf |
| cfpb_doc32a_chronology_from_website_p.pdf |
| cfpb_doc33_town_crier_event_20151022_p.pdf |
| cfpb_doc34_notification_dates_and_people_p.pdf |
| cfpb_doc35_bofa_board_of_directors_2015_p.pdf |
| cfpb_doc36_bofa_topbrass_2015_p1.pdf |
| cfpb_doc37_bofa_code_of_conduct_b_monihan_intro_p.pdf |
| cfpb_doc38_bofa_code_of_conduct_booklet_p.pdf |
| cfpb_doc39_bofa_doj_fraud_settlement_p.pdf |
| cfpb_doc40_bofa_helocs_heating_up_p.pdf |
| cfpb_doc41_heloc_crisis_realty_trac_p.pdf |
| cfpb_doc42_bmo_harris_freezing_helocs_p.pdf |
| cfpb_doc43_bofa_against_veterans_p.pdf |
| cfpb_doc44_cfpb_1st_notice_p.pdf |
| cfpb_doc45_cfpb_2nd_notice_p.pdf |
| cfpb_doc46_bofa_cfpb_case_fax1_p.pdf |
| cfpb_doc47_cfpb_complaint_sarbanes_letter_p.pdf |
| cfpb_doc48_bofa_cfpb_case_fax2_p.pdf |
| cfpb_doc49_sarbanes_canary1_p.pdf |
| cfpb_doc50_pnc_thx_for_your_business_p.pdf |
| cfpb_doc51_bofa_enterprise_cust_care_res_intro_p.pdf |
| cfpb_doc52_cognitive_traps_explained_p.pdf |
| cfpb_doc53_wells_fargo_a_fake_app_process_p.pdf |
| cfpb_doc54_mortgage_industry_exposed_p.pdf |
| cfpb_doc55_the_rate_sheet_scam_p.pdf |
| cfpb_doc56_the_heloc_counts_as_cash_out_scam_p.pdf |
| cfpb_doc57_principal_pmt_requirement_cognitive_trap_and_scam_p.pdf |
| cfpb_doc58_the_competitive_market_assumption_p.pdf |
| cfpb_doc59_bofa_wells_fargo_most_compliants_via_cfpb_db_p.pdf |
| cfpb_doc60_canary_to_sarbanes_fax_01042016_p.pdf |
| cfpb_doc61_article_on_bankers_and_politicians_p.pdf |
| cfpb_doc62_anne_funicane_the_media_the_clintons_p.pdf |
| cfpb_doc63_bofa_update1_p.pdf |
| cfpb_doc64_cfpb_update1_p.pdf |
| cfpb_doc65_fax_to_warren_sanders_agrayson_wjones_p.pdf |
| cfpb_doc66_pnc_bizarre_phone_call_01_11_2016_p.pdf |
| cfpb_doc67_pnc_reset_for_anonfemale_call1_01_11_2016_p.pdf |
| cfpb_doc68_email_to_bofa_execs_01_15_2016_p.pdf |
| cfpb_doc69_fax1of2_to_bofa_enterprise_support_fil_sarabia_01_15_2016_p.pdf |
| cfpb_doc70_fax2of2_to_bofa_enterprise_support_fil_sarabia_01_15_2016_p.pdf |
| cfpb_doc71_cfpb_tell_your_story_submission_p.pdf |
| cfpb_doc72_amortized_vs_nonamortized_repayment_term_p.pdf |
| cfpb_doc73_bofa_response_1-1_sarabia_01_23_2016_p.pdf |
| cfpb_doc73a_bofa_response_1-1_sarabia_01_23_2016_3pagesonly_p.pdf |
| cfpb_doc74_bofa_response_1-2_tinkler_and_underwriting_01_23_2016_p.pdf |
| cfpb_doc75_the_program_guidelines_they_wont_put_in_writing_p.pdf |
| cfpb_doc76_2005_origination_fax_w_appraisal_comments_p.pdf |
| cfpb_doc77_2008_frozen_heloc_before_mort_crisis_p.pdf |
| cfpb_doc78_2005_appraisal_post_bofaheloc_origination_p.pdf |
| cfpb_doc79_foreclosure_scams_target_financial_emotional_stress_p.pdf |
| cfpb_doc80_cfpb_complaint_1_initial_complaint_p.pdf |
| cfpb_doc80a_cfpb_complaint_1_initial_complainttranscribed_p.pdf |
| cfpb_doc81_bofa_wells_2015_heloc_strategy_exposed.pdf |
| cfpb_doc82_johson_mccall_started_bofa_p.pdf |
| cfpb_doc83_fax_to_sarbanes_et_al_20160204_p.pdf |
| cfpb_doc84_bank_conslidations_1990-2009_p.pdf |
| cfpb_doc85_fax_to_bofa_notifying_of_doc83_to_congressmen_p.pdf |
| cfpb_doc86_cfpb_console_dump_after_dispute_docs_posted_p.pdf |
| cfpb_doc87_credit_score_distribution_p.pdf |
| cfpb_doc88_email_notice_to_moynihan_092321015_p.pdf |
| cfpb_doc89_gov_hogan_bofa_notice_10222015_p.pdf |
| cfpb_doc90_faircredbilling_paymentadjustmentnotice_02152015_p.pdf |
| cfpb_doc91_notification_to_bofa_clevel_and_board_of_payment_modification_p.pdf |
| cfpb_doc92_notification_to_bofa_semivalley_of_payment_modification_p.pdf |
| cfpb_doc93_fax_to_congress_of_faircredbillact_custmodpayment_and_cfpbcase_p.pdf |
| cfpb_doc94_notification_to_bofa_fil_sarabia_of_payment_modification_p.pdf |
| cfpb_doc95_bar_grievance_d_tinkler_p.pdf |
cfpb_doc96_USPS_tracking info for various mailings -- placeholder -- due to return address info -- private -- available upon request
| cfpb_doc97_bank_profits_up_p.pdf |
| cfpb_doc98_bofa_3percent_down_p.pdf |
| cfpb_doc99_bofa_3percent_down_article2_p.pdf |
| cfpb_doc100_fil_sarabia_internet_memorial_p.pdf |
| cfpb_doc101_pnc_reset_notice_bc_p.pdf |
| cfpb_doc102_sc_bar_initial_response_p.pdf |
| cfpb_doc102a_sc_bar_second_response_p.pdf |
| cfpb_doc103_bar_grievance_d_tinkler_take2_p.pdf |
| cfpb_doc104_bar_grievance_d_tinkler_take2_congressnotice_p.pdf |
| cfpb_doc105_fdic_billing_errors_and_resolution_p.pdf |
-- 106 placeholder -- tracking numbers -- delivered -- not needed
| cfpb_doc107_nc_bar_missing_greivance_unauthorized_to_practice_inquiry_p.pdf |
| cfpb_doc108_corporat_counsel_and_multistate_stuff_aba_p.pdf |
| cfpb_doc109_ncbar_initial_grievance_tracking_p.pdf |
| cfpb_doc110_bofa_random_response_via_mail_p.pdf |
| cfpb_doc111_sarbanes_meeting_request_20160311_p.pdf |
| cfpb_doc112_article_heloc_freeze_illegal_illinois_lawsuit_p.pdf |
| cfpb_doc113_article_heloc_freeze_illegal_fdic_warning_p.pdf |
| cfpb_doc114_article_heloc_freeze_illegal_reg_z_heloc_basics_p.pdf |
| cfpb_doc115_article_heloc_freeze_illegal_heloc_basics_fdic_and_ofc_of_thrift_p.pdf |
| cfpb_doc116_article_bofa_4.5_billion_capital_p.pdf |
| cfpb_doc117_article_couple_takes_on_bofa_p.pdf |
| cfpb_doc118_bofa_and_doj_16billion_wsj_p.pdf |
| cfpb_doc119_bofa_and_doj_16billion_nyt_bofa_not_performing_p.pdf |
| cfpb_doc120_bofa_and_doj_16billion_bofa_own_report_p.pdf |
| cfpb_doc121_david_tinkler_response_to_al_bar_p.pdf |
| cfpb_doc122_fam_vs_bofa_daniel_whitehead_p.pdf |
| cfpb_doc122a_daniel_whitehead_linkedin_p.pdf |
| cfpb_doc122b_daniel_whitehead_get_current_payment_lost_p.pdf |
| cfpb_doc123_open_ended_loan_p.pdf |
| cfpb_doc124_occ_encourages_banks_consumerist_p.pdf |
| cfpb_doc124a_occ_encourages_banks_wsj_p.pdf |
| cfpb_doc125_occ_bulletin_summary_2014-29_p.pdf |
| cfpb_doc125a_occ_bulletin_summary_2014-29a_p.pdf |
| cfpb_doc126_occ_public_speach_2015_exchequer_club_p.pdf |
| cfpb_doc127_occ_oversight_budget_2016_p.pdf |
| cfpb_doc128_occ_audit_report_2015.pdf |
| cfpb_doc129_open_closed_credit_melchione_mckenna_fed_attorneys_2008_p.pdf |
| cfpb_doc129a_ncua_closed_credit_checklist_p.pdf |
| cfpb_doc130_al_bar_take_3_p.pdf |
| cfpb_doc131_sc_bar_take_3_p.pdf |
=== Consumer Financial Protection Bureau Introduction ===
"The Consumer Financial Protection Bureau (CFPB) is an independent agency of the United States government responsible for consumer protection in the financial sector. Its jurisdiction includes banks, credit unions, securities firms, payday lenders, mortgage-servicing operations, foreclosure relief services , debt collectors, other financial companies operating in the United States. The CFPB's creation was authorized by the Dodd–Frank Wall Street Reform and Consumer Protection Act, whose passage in 2010 was a legislative response to the financial crisis of 2007–08 and the subsequent Great Recession." (ref: https://en.wikipedia.org/wiki/Consumer_Financial_Protection_Bureau ) The Consumer Financial Protection Bureau: http://www.consumerfinance.gov/the-bureau/
=== Consumer Financial Protection Bureau Case 151221000345 ===
On 12.21.2015 The Consumer Financial Protection Bureau (CFPB) sent me an email indicating my complaint had been forwarded to them from Congress and they would review it to determine if the matters at hand fell within their jurisdiction. On 12.22.2015 the CFPB notified me via email that my complaint had been sent to Bank of America seeking information related to steps that were taken and/or that would be taken to address my complaint. On 12.23.2015 Fil Sarabia, Enterprise Customer Support at Bank of America made phone contact with me and we had 45 minute conversation. Fil seemed sincere and she indicated she had 15 days to reply to the CFPB complaint. She indicated her response to the CFPB would be via a web portal where should would upload all relevant documents from Bank of America's perspective. She indicated she was not able to pull up information I had posted on the internet (???) and asked for links to that info and/or documents related to my experience. I asked for her email address and magically, she doesn't have an email address for communication, BUT I can use decades old technology of FAX to get that info to her... When will the banks and all other big business finally realize that email alone will make the nefarious games they have played for decades obsolete? A FAX was sent 12.28.2015 with this URL (see document 46 below). Fil faxed back a receipt confirmation. I thought things were going well, and then... Fil dropped me like a bag of rotten tomatoes. She refused to return phone calls and she refused to acknowledge receipt of faxes for two weeks prior to filing her response on 1.23.2015. Needless to say, any hope for transparency has been squashed (but was it realistic to expect that?). Fil Sarabia (possibly Marie Fil Sarabia), from the Southern California are has followed in the footsteps of her nefarious bankster counterparts from the East Coast by providing me with a response lacking in all relevant details. To top off the experience, the bottom paragraph of her response was dedicated to telling me how she looked forward to working with me and reminded me of the importance of "staying in touch". Fil appears to have the same Gypsy mentality as the others. I think a storm is brewing... My rebuttal to her response has been written and it is out for proofread. Both her response and my rebuttal will be posted shortly.
=== Consumer Financial Protection Bureau Introduction ===
"The Consumer Financial Protection Bureau (CFPB) is an independent agency of the United States government responsible for consumer protection in the financial sector. Its jurisdiction includes banks, credit unions, securities firms, payday lenders, mortgage-servicing operations, foreclosure relief services , debt collectors, other financial companies operating in the United States. The CFPB's creation was authorized by the Dodd–Frank Wall Street Reform and Consumer Protection Act, whose passage in 2010 was a legislative response to the financial crisis of 2007–08 and the subsequent Great Recession." (ref: https://en.wikipedia.org/wiki/Consumer_Financial_Protection_Bureau ) The Consumer Financial Protection Bureau: http://www.consumerfinance.gov/the-bureau/
=== Consumer Financial Protection Bureau Case 151221000345 ===
On 12.21.2015 The Consumer Financial Protection Bureau (CFPB) sent me an email indicating my complaint had been forwarded to them from Congress and they would review it to determine if the matters at hand fell within their jurisdiction. On 12.22.2015 the CFPB notified me via email that my complaint had been sent to Bank of America seeking information related to steps that were taken and/or that would be taken to address my complaint. On 12.23.2015 Fil Sarabia, Enterprise Customer Support at Bank of America made phone contact with me and we had 45 minute conversation. Fil seemed sincere and she indicated she had 15 days to reply to the CFPB complaint. She indicated her response to the CFPB would be via a web portal where should would upload all relevant documents from Bank of America's perspective. She indicated she was not able to pull up information I had posted on the internet (???) and asked for links to that info and/or documents related to my experience. I asked for her email address and magically, she doesn't have an email address for communication, BUT I can use decades old technology of FAX to get that info to her... When will the banks and all other big business finally realize that email alone will make the nefarious games they have played for decades obsolete? A FAX was sent 12.28.2015 with this URL (see document 46 below). Fil faxed back a receipt confirmation. I thought things were going well, and then... Fil dropped me like a bag of rotten tomatoes. She refused to return phone calls and she refused to acknowledge receipt of faxes for two weeks prior to filing her response on 1.23.2015. Needless to say, any hope for transparency has been squashed (but was it realistic to expect that?). Fil Sarabia (possibly Marie Fil Sarabia), from the Southern California are has followed in the footsteps of her nefarious bankster counterparts from the East Coast by providing me with a response lacking in all relevant details. To top off the experience, the bottom paragraph of her response was dedicated to telling me how she looked forward to working with me and reminded me of the importance of "staying in touch". Fil appears to have the same Gypsy mentality as the others. I think a storm is brewing... My rebuttal to her response has been written and it is out for proofread. Both her response and my rebuttal will be posted shortly.
These use to be at the top of this page. They were the original telling of the story prior to drafting the CFPB dispute docs.
1) Statement of Facts # 1 - Bank of America Racketeering - Click Here
2) Statement of Facts #2 - Industry Wide Collusion - Click Here
3) Statement of Facts #3 - Bank of America FAKE Underwriting Process Details - Click Here