I live in Pgh and went to my County’s Recorder of Deeds to check out my mortgage and note. It states my original bank and I could find NO ASSIGNMENTS although I have proof that my loan was sold within 30 days of my closing, sold again the following year and sold year in late 2009. I am currently sending my payments to none other than BOA who cannot prove they are “owed” the money. Now what?
Now you have a couple of choices. 1st, send an elaborate RESPA QWR letter to BoA, then (or instead of) 2nd, cut to the chase and file a suit in your county superior court for quiet title.
Too long to detail here. Google “MERS” and “RESPA QWR” to get the details.
If you don’t have a GOOD legal knowledge base to file pro se, get a GOOD real estate attorney.