Report: #1287871

Complaint Review: Bank of America - Nationwide

  • Submitted:
  • Updated:
  • Reported By: bc — Baltimore Maryland United States of America
  • Author Not Confirmed What's this?
  • Why?
  • Bank of America Nationwide USA

Bank of America - Fil Sarabia Conspiring to Commit Fraud - Absent HELOC Renewal Application Process followed by Fake Underwriting Process Charlotte Nationwide

Show customers why they should trust your business over your competitors...

Is this
Report about YOU
listed on other sites?
Those sites steal
Ripoff Report's
We can get those
removed for you!
Find out more here.
How to fix
Ripoff Report
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..


On 12/23/2015 Bank of America Enterprise Customer Service Agent, Fil Sarabia ( possibly Marie Fil Sarabia ) made phone contact with me related to a Case opened by the Consumer Financial Protection Bureau on 12/22/2015. (Doc 45)

On 12/23/2015 we had what I deemed to be an exceptional 45 minute conversation. In that conversation I detailed the problems related to the absent Renewal Application Process as well as voluminous amounts of down stream deviance. At several points during the conversation I stopped to confirm she understood the nefarious nature of some of the choreographed customer service scripts used in a fake underwriting denial process, and she verbally acknowledged understanding.

On 12/28/2015 I sent Fil Sarabia a fax summarizing our conversation, and I provided a URL with 40 documents to support my claims related to this situation. (Doc 46) On 12/29/2015 Fil returned a fax acknowledging receipt of my fax (Doc 48)

On 1/5/2015 I received notice from the CFPB indicating Bank of America had requested an extension for their investigation. They had now been granted 60 days to respond.

On 1/6/2016 I left a voice mail for Fil asking for a personal update on her investigation. She never returned my call.

On 1/8/2016 I left a voice mail for Fil asking for a personal update on her investigation. She never returned my call.

On 1/15/2016 I sent Fil a fax asking for a personal update on her investigation. She never acknowledged receipt of my fax.(Doc 69)

On 1/21/2016 Fil provided a 3 page response to the CFPB Case. It was totally void of information related to the absent Renewal Application Process, which is what started the ball rolling for other nefarious activities. It was also void of all information related to the fake underwriting process, which I detailed verbally and provided documentation for.

Anyone reading that letter submitted to the CFPB on 1/21/2016 would not realize there was voluminous amounts of verbal and written dialogue on this matter prior to the CFPB Case.

Anyone reading that letter would not realize Fil and I had had a conversation on 12/23/2015. Anyone reading that letter would not realize Bank of America was provided with 40 documents related to this situation on 12/28/2015 (including 30 pages of email dialogue with BofA execs and legal).

Anyone reading that letter would not realize Fil had terminated two way communication with me in early January 2016. The document was a self-incriminating misdirection drafted solely to be able to claim a response to the CFPB claim had been provided. (Doc 73a)

I'm quite confident that 3 page response was written by and/or with the assistance of a Bank of America Attorney. I don't know what level to which Fil participated in the drafting of the response, but given she allowed her name to be put on it, until she personally exposes the names of others, she is fully responsible for that response.

If and when Fil contacts me directly and provides the names of any others who assisted her with that response, those names will be added to this post and/or they will earn their own post.

For other websites related to this see:


-- Dispute Doc 5 of 6 is an expanded version of this, specifically for Fil and any of her associates

-- The other docs listed above can be found on this website too




This report was posted on Ripoff Report on 02/15/2016 06:24 PM and is a permanent record located here: https://www.ripoffreport.com/reports/bank-of-america/nationwide/bank-of-america-fil-sarabia-conspiring-to-commit-fraud-absent-heloc-renewal-applicati-1287871. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?

Advertisers above have met our
strict standards for business conduct.

What do hackers,
questionable attorneys and
fake court orders have in common?
...Dishonest Reputation Management Investigates Reputation Repair
Free speech rights compromised

Segment Now