Per us bank response letter dated XXXX XXXX, 2015 mortgage account # XXXX The OCC consent order an enforcement action of XXXX XXXX, 2011 was issued under scope and discovery that said was a GHOST MORTGAGE LOAN ; by-law, per the XXXX XXXX county recorder office. It was discovered that there was no certified and filed re-estate document as a DEED OF TRUST, as assigning us bank NA the beneficiary and their assigned Trustee, and I, XXXX XXXX the Borrower. Because I never had an escrow ( loan ) close with us bank NA on my real estate property, as where a title company could have requested an order ( escrow ) number to be recorded and mailed to us bank a legal certified and filed DEED OF TRUST, per an original escrow file with said title company as holding the real estate loan packet signed and dated by me ( terms and condition of payments, Interest % rate etc. ) also us bank stated ; A foreclosure sale was held on XXXX XXXX, 2011 ( False statement ) The OCC investigation ; no legal record of the alleged Trustee sale certified and filed with the appropriate court nor county recorder 's office. under the OCC jurisdictional review, the check of {$34000.00} was in part reimbursement as in ERROR us bank collected monthly mortgage notes payments from me under this ghost mortgage loan account. per these new issues that the bank raised under this mortgage account number, us bank need to provide the title company that closed holding the original escrow closing file with a original real estate loan packet that is signed and dated by me, Giving the bank legal authority of security Interest in my real estate property, thank you. 
