Bank of America Home Loans, As per our telephone communications on Thursday XX/XX/XXXX. I beg to differ with your resolution concerning BOA or XXXX XXXX XXXX having the authority to add a XXXX mortgage to my XXXX mortgage -- -then holding my XXXX mortgage hostage from being refinance by another bank or mortgage company. There is no Florida Statue that states that you can do this. When my XXXX mortgage was transferred from Country Wide Home Loans to Bank of America loans in XX/XX/XXXX It was only a XXXX mortgage. I had paid off the XXXX mortgage with Country Wide. However, there is a Florida Statue XLI, of Frauds, Fraudulent Transfer chapter 725-727. Thus, BOA and XXXX XXXX are not only breaking a Florida Statue. You are committing a Federal Crime by trying to extort {$93000.00} from me across State lines. 
