09-12-26 Request for equal protection and OCC's enforcement of the law on Union Bank, National Association (Case #0094775), and Bank of America Corporation (Cases #00971981).

US Office of the Comptroller of Currency on October 4, 2009.

OCC_ _ _ _ _ __ _ _ ____ John Dugan_ ____ _ Kevin Bailey__  _ _US Congress___  _ __Basel Accords

  

Date: Sat, 26 Dec 2009 02:10:15 -0800
To: kevin.bailey@occ.treas.gov
From: joseph zernik

Subject: Request for equal protection and OCC's enforcement of the law on Union Bank, National Association (Case #0094775), and Bank of America Corporation (Cases #00971981).

December 26, 2009

Kevin Bailey
Deputy Comptroller of the Currency (OCC)
US Representative to the Basel Accords Committee

RE: Request for equal protection and OCC's enforcement of the law on Union Bank, National Association (Case #0094775), and Bank of America Corporation (Cases #00971981).

Dear Mr Bailey:
This letter is addressed to you as US representative to the Basel Committee.  I am the victim of ongoing real estate and financial institution fraud by parties including, but not limited to Countrywide (now Bank of America Home Loans) and Union Bank  - both under primary regulatory jurisdiction of OCC. Fraud in this matter, coordinated by Attorney David Pasternak and Attorney Sandor Samuels (formerly Countrywide Financial Corporation - Chief Legal Officer, now Bank of America Corporation - Associate General Counsel), was opined by James Wedick, a fraud expert second to none in his credentials.  An FBI veteran, who was decorated by US Congress, by US Attorney General, and by FBI Director, he investigated the matter and issued an opinion of "fraud being committed", and a recommendation that an "investigation be immediately instituted" (linked below).  In disregard of such opinion and such recommendation, I was denied in the past 3 years Equal Protection by US agencies, including, but not limited to FBI, US Department of Justice, SEC, Office of Thrift Supervision, and Office of Federal Trade Commission. My complaints against Union Bank (#0094775) and against Bank of America Corporation (# 00971981), now pending, were filed with OCC on September 29, 2009.
I allege that the case provided unique insights into the widespread corruption of financial institutions and government agencies in Los Angeles County, California, which was defined by FBI as the "epicenter of the epidemic of real estate and mortgage fraud", which was the true cause of the current financial/integrity crisis. I further allege that refusal of US agencies to enforce the law on financial institutions demonstrated that the causes of the current crisis were never addressed by US government at all, leaving US and world financial markets exposed to unreasonable risks.
I therefore request your help in providing me Equal Protection under the law:
a) Please ensure that OCC will assist me in demanding that Union Bank finally provide the banking records in my account, which Union Bank has consistently refused to provide in the past 2 years.  An OCC response that can be summed up in 'consult an attorney', and 'sue the bank', amounted to refusal to enforce the law on large financial institutions.
b) Please ensure that OCC will assist me in demanding that Bank of America Corporation provide a response.  The bank simply failed to respond at all, as was its position in the past three years, first as Countrywide Financial Corporation, and later as Bank of America Corporation. I was informed OCC by phone that the complaint against Bank of America Corporation had by now been twice "escalated", but no response was received from the bank so far.
Truly,

Joseph Zernik
http://inproperinla.blogspot.com/
Patriotic pics of sharon stone, beyonce knowles, and charlize theron,
To be added soon- deep house music!

CC:
1) Basel Accords Committee
2) Brian Moynihan - President/CEO, Bank of America Corporation
2) Eric Thorson - Inspector General, US Department of Treasury.
3) Robert Mueller - FBI Director
4) Glenn Fine - Inspector General of US Department of Justice.
5) Mary Schapiro - SEC Chair
6) David Kotz - Inspector General, SEC.
7) US Congress
_________________
I. December 25, 2009 Letter to OCC in re Union Bank deficient response on complaint #0094775
Dr Z
Joseph Zernik, DMD, PhD
PO Box 526, La Verne, CA 91750; fax: 801 998-0917; email: jz12345@earthlink.net 

December 25, 20009
Customer Assistance Group
Office of Comptroller of the Currency
By fax: 713 336 4301

RE: Case #0094775, Union Bank, National Association

Dear Office of the Comptroller of the Currency:
Thank you for your letter, dated December 22, 2009, in my complaint, referenced above, and the attached November 12, 2009 response by Cheryl Robbins, Vice President, Union Bank. [1] 
My original complaint, dated September 29, 2009, against Union Bank pertained to its conduct in my account in November/December 2007.  My complaint alleged that Union Bank colluded in real estate fraud by Attorney David Pasternak and others, by engaging in various transactions in my account, without my authorization, with no notice, and with no explanation at all. A fraud expert, second to none in his credentials, opined on the real estate fraud committed by Mr Pasternak and recommended that a criminal investigation be instituted. Mr James Wedick was an FBI veteran, who was decorated by US Congress, by FBI Director, and by US Attorney General. [2]
In the past year and a half, I have repeatedly asked Union Bank to provide an explanation and to produce the respective banking records of my account - to support its conduct in November/December 2007.  Now, thanks to OCC's help, Union Bank provided a partial response in its December 12, 2009 letter by Ms Cheryl Robbins. However, I find such response still deficient: (1) No explanation at all was provided, why Union Bank made a decision to close the account, and why Union Bank engaged in various transactions in the account, without customers authorization, and with no notice to the customer whatsoever; and (2) No banking records at all were provided to support the narrative.
I therefore request that Union bank:
1)      Provide the missing part of the explanation why Union Bank decided to close the account, and why it failed to notice the customer in November/December 2007 regarding its decisions and its transactions in the account, and
2)      Produce banking records of the respective account, to support the narrative provided by Ms Cheryl Robbins in her November 12, 2009 letter.
Sincerely,
 
Joseph Zernik
CC:
Kevin Bailey, Deputy Comptroller of the Currency, and  US representative to the Basel Committee
Basel Accords Committee on international banking
Linked Records:
[1] December 22, 2009 Letter by Office of Comptroller of the currency, with attached November 12, 2009 letter by Union Bank
http://inproperinla.com/09-12-22-occ-response-on-union-bank-complaint-s.pdf
[2] Resume of Mr James Wedick, and opinion letter regarding real estate fraud committed by Mr Pasternak and others in conjunction with the Union Bank transactions subject of the complaint.
http://inproperinla.com/07-12-17-grant-deeds-wedick-s-opinion-s.pdf
_________________
II. Authentication of transmission to OCC:
Date: Sat, 26 Dec 2009 00:46:10 -0800
To: "US Office of Comptroller of Currency" <17133364301@efaxsend.com>
From: joseph zernik
Subject: Deficient response in Case #0094775, Union Bank, National Association
Please see attached my requests in re: Deficient response by Union Bank on my complaint, Case #0094775.
jz