09-12-15 Complaints against Bank of America Corporation and Union Bank filed with Comptroller of Currency and copied to Basel Accords Committee

Date: Tue, 15 Dec 2009 15:19:02 -0800
To: "US Office of Comptroller of Currency" , "Kevin Bailey"
From: joseph zernik
Subject: Pending complaints against Bank of America Corporation (#00971981), and against Union Bank (#00974775), both acknowledged by US Office of the Comptroller of Currency on October 4, 2009.

OCC_ _ _ _ _ _ _ ____ John Dugan_ ___ _ Kevin Bailey_ _ _US Congress__ _ __Basel Accords

To Mr Kevin Bailey, Deputy Comptroller, and the US Office of the Comptroller of Currency*

Dear Mr Bailey and the US Office of the Comptroller of Currency:

In a phone call yesterday, December 14, 2009, with the US Office of the Comptroller of Currency (OCC), I followed up regarding complaints against Bank of America Corporation (BAC) - #00971981, Union Bank - #00974775, both acknowledged by OCC on October 4, 2009. I was informed that the banks were required to respond within 20 days, and that I was to receive a response from OCC within 60 days. Neither time frame was complied with. Furthermore, I was informed that the matters would now be forwarded up to an OCC manager. In addition, I requested that the two investigations, which pertained to the same events be linked or combined.

This letter provides additional information regarding alleged criminal schemes by large US financial institutions, which were alleged in these two complaints. This letter was also meant to share the information with the public in the US and abroad, in particular - with the international banking community. Therefore, this notice was also addressed to Mr Kevin Bailey,[i] OCC's Deputy Comptroller and US representative to the Basel Accords Committee, and copied to members of the Basel Accords Committee.

There was no doubt that I was victim of a criminal enterprise. The highest reputation fraud experts opined so. It was initiated in September 2004 by Countrywide Home Loans, Inc (CHL) - the sub-prime subsidiary of Countrywide Financial Corporation (CFC), and it was continued after July 2008 and to this date - December 2009 - by Bank of America Corporation (BAC). Union Bank played a minor assist role in the alleged criminalities around November/December 2007, and ever since then was engaged in covering it up. Other financial institutions, large and small, were involved in the alleged criminal enterprise as well. Most notable among them was Mara Escrow Company (MRC), a subsidiary of Old Republic International Corporation (ORI). However, since I was told by OCC that the latter did not fall under OCC investigational jurisdiction, but rather under US Office of Trade Commission, the conduct of MRC/ORI and other financial institutions involved in this matter were not detailed in this letter beyond that which was necessary for the overall narrative.

...

I look forward to responses from BAC, Union Bank and OCC.

Respectfully,

Dated December 15, 2009
La Verne, County of Los Angeles, California

Joseph H Zernik

By: __________________
JOSEPH H ZERNIK
PO Box 526, La Verne, CA 91750
Fax: 801 998 0917
Email
* A digitally signed copy of this letter was posted at:
http://inproperinla.com/09-12-15-complaint-re-bac-n-union-bank-to-occ-n-kevin-bailey-copied-to-basel-accords-committee-s.pdf

Three key figures in the alleged criminalities

_ _ __ _ _ _

Jacqueline Connor_ __ _ _ _ __ _ _ _ _Sandor Samuels_ _ _ __ _ _ _ _ Jae Arre Lloyd

Judge_ _) _ _ _ _ _ _ __ _ _ _ - _ _ Assoc General Counsel-_ _ _ _ _ __ _Convicted Felon

LA Superior Court_ _ _ __ __ _ Bank of America_ _ _ __ _ _ _ _ BAC "Loan Originator"

Los Angeles county organized white collar crime -

"the epicenter of the epidemic of real estate and mortgage fraud."