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May-25-2010
1128
AM
US
SENATOR
DIANNE
FEINSTEIN
4159893242
1/5
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Senator
Dianne
Feinstein
of
California
.
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F I Q 1 J J ~
...
Date:
One
Post
~ t r e e t ,
Suite
2450
San
Frap.cisco,
CA
94104
,Phone:,
(415)
393-0707
Fax:
(415)
393-°710
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Digitally signedbyJoseph Zernik DN:cn=JosephZernik,o,ou,email=jz12345@earthlink.net,c=USDate:2010.05.2817:47:15 +03'00'
May-25-2010
1128
AM
US
SENATORDIANNE
FEINSTEIN
4159893242
C)
Comptroller
of
theCurrencyAdministrator
of
NationalBanks
May
10,2010
The
HonorableDianneFeinstein
One
PostStreet,Suite
2450
San
Francisco
CA
94104
Re:
Case#01070442-Represents
Dr.
Joseph
Zernik
BANKOFAMERICA,NATIONAL
ASSOCIATION
DearSenatorFeinstein:
The
Office
of
theComptroller
of
the
Currency
(OCC)
is
responding
to
yourconstituent'sletterregardingtheabove·mentionedbank.
The
focus
oftheOCC'sreview
of
consumercomplaintsagainstnational
banks
is
to
determinewhetherthebanks'actions
are
consistent
with
bankingstatutes,regulationsor
any
policiesthat
are
applicable
to
nationallycharteredbankinginstitutions.
We
previouslyreceivedyourconstituent'scomplaint,
which
establishedcasenumber
971981.
Please
find
enclosedourresponseaddressing
Dr.
Zernik'sconcerns.
The
CustomerAssistanceGroup'sconsumercomplaintprocess
is
aservicethat
is
provided
to
customers
of
national
banks.
Informationprovidedwithinthisletter
is
specificallyrelated
toan
individualconsumercomplaint
and
shouldnot
be
construed
as
eithera
legal
opinionofthe
OCC
or
asupervisoryaction.Ifwe
can
assist
you
in
the
future,
please
do
not
hesitate
to
contactouroffice.Sincerely,
Customer
jlssistance
group
Enclosure
TheCustomer
Assistance
Croup's
consumer
compla.int
process
is
11
service
thllt
is
provided
to
customersofnntionQl
banks.Information
provided
withinthis
letter
is
specifically
related
toao
Individual
consumercomplaint
and
should
notbe
coostrued
as
either
a
[ega[
opinion
Of
the
ace
or
a
supervisory
aotion.
[fyou
arenot
satisfied
with
resolution
of
yourcomplaint,
you
may
wish
to
consultlesal
counsel
soasto
preserveyour
riGhts.
Custom.r
A.sslstonc.
Group,
1301
MoKinney
Stroot,
Suito
3450,
Houston,
Tex
••
77010·9050
Phon.:
(800)613.6743,
FAX:
(713)336·4301
Internot
A.ddress:www.He[pWllhMyBank.Gov
2/5
May-25-2010
1128
AM
US
SENATORDIANNEFEINSTEIN
4159893242
C)
comptrollerof
theCurrency
Administrator
of
NationalBanks
May
10,2010
Joseph
H
Zernik
Phd
PO
Box
526
LA
Verne
CA
91750
Re:
Case#
00971981
BANK
OF
AMERICA,NATIONALASSOCIATION
Dear
Dr.
Zernik:
The
Office
of
the
Comptroller
of
theCurrency
(OCC)
is
responding
to
your
letter
regardingtheabove-mentioned
bank.The
acc
reviewsconsumer
complaintsagainstnational
banks
to
determine
whetherthe
banks'
actions
are
consistent
with
banking
statutes,regulations,or
any
applicablepolicies.
In
your
correspondence
with
this
agency,you
complained
that
youwere
the
victim
of
real
estate
fraud
perpetrated
by
Countrywide
bankwhenyouwere
selling
your
home
in
2007.
You
believe
that
theCountrywide
loan
officer
used
fraudulentinformation
related
to
the
purchasers
to
obtainapproval
for
their
loan
to
buy
your
home.You
alsoask
whether
acertain
lawfirm
was
authorized
to
appear
in
courtor
legal
proceedings
on
behalf
of
Bank
of
America.
You
appear
to
believe
the
firmhas
beenengaged
in
illicit
conduct.
Toaddress
yourconcerns,the
OCC
contacted
the
bank.The
results
of
thatcontact
reveal
that
the
bankfound
no
records
of
loans
in
your
namewith
Countrywide
orBank
of
America.
Additionally,
the
bank
hils
no
record
authorizing
its
contact
with
you
regarding
other
customer
loans
oraccounts
withthe
bank.
Consequently,the
banklacksgrounds
supporting
an
inquiry
intoanyclaims
involving
you
as
a
bank
customer.
If
your
claims
involvetheaccounts
of
other
bank
customers,the
banklacks
authorization
to
disclose
findings
involving
othercustomeraccounts
to
you.Thebank
observes
that
a
lawsuit
titled"Samaan
v.
Zernik"
(SC087400)
appears
to
involvethe
transfer
of
property
to
aNivie
Samaan.
If
in
fact
thiscase
concernstheissues
you
raise
in
your
TheCustomer
Assistance
Oroupts
consumercomplaintprocess
Is
a
service
that
isprovidedtocustomers
of
nil
tiona
I
banks.Informationprovldod
withinthis
lotter
is
spcoificallyrelated
toan
individual
cnnsumercnmplalnt
and
shnuld
notbeoonstruedas
either
a
legal
opinion
of
the
acc
or
a
supervisory
aotlon.
If
you
aro
not
satisfiedwithresolution
of
yourcomplaint,
you
may
wish
to
consult
legal
counsel
so
as
to
preserve
your
rights.
Custom.r
Assistane.Group,
1301
McKinneyStreet,Suite3480,Hou.ton,T
••••
77010-9050
Phon.:
(800)613.6743,FAX:(713)336·43011nternot
Addr•••
:www.HelpWlthMyBank.gov
3/5
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