My mortgage is currently thru XXXX Mortgage XXXX and they were assisting me with a re-fi at a lower interest rate ; however, they determined during the re-fi process that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was listed as lienholder for my double -wide manufactured home. XXXX XXXX XXXX is a bank that failed many years back and at that time, Bank of America ( BOA ) was assigned my mortgage and BOA never reassigned and listed themselves as lienholder. Several years later, BOA transferred my mortgage to XXXX Mortgage XXXX and there again, BOA failed to release themselves as lienholder and assign XXXX Mortgage XXXX as the NEW lienholder. Since XXXX XXXX is no longer in business, I have been dealing with BOA since the beginning of XXXX and to date, no one with BOA has moved forward in helping release this lien so that I can move forward with my re-fi. XXXX XXXX XXXX and BOA have both failed to do what they should have done many years ago each time the loan was sold/transferred. In dealing with BOA, I have spoken with several different employees -- no one wanted to help until I finally reached XXXX XXXX. However, as of yesterday, XXXX told me that her and her supervisor were training to leave their current dept and go to another dept within BOA leaving me there again on a dead end road with no resolution in sight. XXXX would not refer me to anyone else except her supervisor which is the leaving the dept. herself. I was told by XXXX today that Mortgage Electronic Registered Services ( MERS ) is listed on the Title commitment along with XXXX XXXX that I can contact them at XXXX and when I did, it did indeed show the new service provider as XXXX Mortgage XXXX of my mortgage. However, BOA could not understand the fact that my XXXX titles ( double-wide home ) at the Alabama Department XXXX XXXX in XXXX, Alabama is still showing XXXX XXXX as lienholder and as long as XXXX XXXX is listed as lienholder, I WILL NEVER BE ABLE TO REFINANCE OR EVEN SELL MY HOME IN THE NEAR FUTURE. I have hit obstacles with BOA from day XXXX with no one ever accomplishing anything because they feel like they are not obligated to release the lien to XXXX. XXXX is no longer in business. Therefore, BOA should be the XXXX to release the lien to XXXX Mortgage XXXX since they assumed the mortgage of XXXX, the failed bank. If I wanted to sell today, it would be impossible -- thank goodness at this time, I am just trying to refinance. Therefore, I would greatly appreciate a quick resolution to this situation since I have received no assistance or help from BOA in remedying this situation. 
