My loan was IRONICALLY transferred 2 days ago - from a Bank that did not exist as far back as 4 1/2 years ago to one that now does.Does this not violate pooling and servicing regulations? I would assume this would have affected the MBS, but that's not my concern. There has been so much confusion as to what the loan amount is, monthly payments, things I pay that I am charged for so I submitted a QWR, the bank got it on 2/6, on 2/7 they executed an MERS assignment that should have been executed 4 1/2 years ago and three of the 4 signatures are robo signers for BAC/Countrywide that appear on numerous lists- how do I handle this. I have multiple cross checks that indicate the assignment was fabricated. My understanding is there is no time limit on assignments, even if it is 4 1/2 years later!!