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Bank of New York Mellon

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Bank of New York Mellon is a bank which offers a wide array of lending and credit card options. Many Americans like you are being contacted by collection agencies hired by Bank of New York Mellon who are trying to get payments on defaulted accounts. Even though you may owe a debt to Bank of New York Mellon or the collection agency it hired, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount being requested is inaccurate, if you feel the debt is not owed at all, or if you feel the debt is fraudulent.

If your alleged Bank of New York Mellon account is with a collection agency, you can send a letter to that collection agency within thirty days of first being notified of the collection. You should send such a letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation or proof of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt.

    The Fair Credit Reporting Act (“FCRA”) regulates the credit bureaus’ responsibilities as to your credit report. There are many things credit bureaus are required to do as it pertains to their credit reporting. Credit Bureaus must:

  • report accurately;
  • conduct a reasonable investigation of any dispute you make with them as to inaccurate credit reporting;
  • clearly mark any trade line disputed by you as disputed by the consumer.

    Your best option is to consult with a consumer protection attorney if you believe your rights are being violated.

  • 1 Comment

    1. Leah Dean on June 22, 2015 at 3:07 pm

      My property was foreclosed on 4/7/2015. This was due to the fact Bank of America called out my Creditor to whom I owe a debt through their attorney’s Blank and Rome and Harvey Law Group that my loan and note were assigned in October of 2011 from MERS to Bank of New York Mellon. There is a great deal of issues that lie with this. Furthermore, in December 2011, Norman Yu employee of Bank of New York Mellon advised that BONY Mellon is not the owner of the Loan or the Note and to find the note would be very difficult since it was securitized. In otherwords broke off and sold. CWABS 2007-2 which I am sure Bank of New York Mellon is very familiar with. Evidence shows that the alleged debt 155397447 was located in a pool of mortgages on the SEC under CWABS 2007-2 FWP to which I have a copy of the PSA and the FWP from the SEC. There are very specific rules under New York Trust Law that were to be followed and apparently BONY Mellon and the Master Servicer or the Depositor did not follow. What might that be you so cleverly ask? Well for one example the Pool closed before the assignment from MERS to Bank of New York Mellon ever happened. Property I purchased was Jan 23, 2007. CWABS 2007-2 pool was to close Feb 28, 2007. How is it that the Assignment to BONY Mellon was recorded October 4, 2011? Signed by Assistant Secretary of MERS Christine Daymude? Furthermore, Doesn’t Mortgage Electronic Registration Systems show up on the US Patent and Trademark Office in 6/30/98 as a Security Agreement Registration Number 2084831? I believe there was also a Name Change to Registration Number 2084831 in 2003 to MERSCORP? Where is the validity that Mortgage Electronic Registration Systems, Inc was a accurate business name to the Deed of Trust in 2007? Also, why may I ask is MERS on the US Patent and Trademark website? The Promissory note was to be payable to America’s Wholesale Lender Inc, a Corporation existing in New York. Oh my here we go again, another problem with the Lender it’s a Servicemark 1872784 registered with the US Patent and Trademark Website. So now we have two fictitious entities America’s Wholesale Lender and MERS (Mortgage Electronic Registration Systems, Inc). So, how did Servicemark America’s Wholesale Lender, and Trademark Mortgage Electronic Registration Systems, both fictitious entities convey my property to Bank of New York Mellon? Why is it that Bank of New York Mellon can not provide me with a written contract that I signed between me personally and Bank of New York Mellon to collect a debt? I completely dispute any claims of a debt to Bank of New York Mellon. My house was stolen from me by Bank of New York Mellon, Bank of America, Kenny Shirey, Harvey Law Group and Blank and Rome. You took our life away from us and you had no right. I can not wait until I find a lawyer that will make you and your conspirators pay me back for all the injuries and damages you have caused. Bank of New York Mellon your employee Alissa Reatz wrote me and told me Bank of New York Mellon does not own loan or property, has no say in loan modifications, is not a lender and should not be addressed as a Lender. Yes Alissa Reatz Mortgage Backed Securities wrote me and told me herself. But yet what she failed to do is contact the proper authorities and report her employer, Bank of America and all who are involved in stealing properties that do not belong to you. Hate is a very strong word but I hate liars, I hate thieves, I hate criminals, I hate Bank of New York Mellon and all they stand for which is pure evil. If you are so desperate to be an employee that will help cover up theft then somebody must be paying you the big bucks. Therefore, I consider Alissa Reatz and Norman Yu thieves, crooks, and as evil as they business they represent. That is my experience with Bank of New York Mellon. Did not even know this evil empire even existed until Bank of America sprung this conspiracy on me in 2011.

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