VIA U.S.

Postal Service Priority Mail

9405 5036 9930 0163 3807 89
October 8, 2012
Consumer Financial Protection Bureau (CFPB)
P.O. Box 4503
Iowa City, IA 52244
RE: CFPB Case # 120914-000082
To Whom It May Concern:
Enclosed is a copy of my response to Bank of America, Christopher Pickle, Office of the CEO
and President, responding to his request for a copy of the Last Will and Testament of Penelope
Gillespie. A copy of the will is enclosed.
On September 27, 2012 I attempted, but was not able, to open an account with the CFPB to
review my complaint and view the status at http://www.consumerfinance.gov/.
Is my account disabled? How can I open an account with CFPB?
Please contact me if you need any additional information. Thank you.
Sincerely,

Neil J. Gillespie
8092 SW 115th Loop
Ocala, Florida 34481
Telephone: (352) 854-7807
Email: neilgillespie@mfi.net
cc: Bank of America, Christopher Pickle, Office of the CEO and President
Enclosures

All calls on home office business telephone extension (352) 854-7807 are recorded for quality assurance purposes
pursuant to the business use exemption of Florida Statutes chapter 934, section 934.02(4)(a)(1) and the holding of
Royal Health Care Servs., Inc. v. Jefferson-Pilot Life Ins. Co., 924 F.2d 215 (11th Cir. 1991).

Fax
From: Neil J. Gillespie
8092 SW 115th Loop
Ocala, FL 34481
Telephone: (352) 854-7807

To:

Bank of America, Christopher Pickle, Office of the CEO and President

Fax: 1-877-373-7139
Date: October 8, 2012
Pages: ten (10), including this page
Re: Your request, letter dated October 1, 2012, copy attached
Dear Mr. Pickle:
In response to your letter to me dated October 1, 2012, I am a borrower on the reverse mortgage as set
forth in the loan documents, including the Assignment of Mortgage executed March 27, 2012
attached to this fax. I also made the complaint to HUD August 9, 2012. There is nothing to prevent
you from responding to me directly about my loan and HUD complaint.
Without waiver, a facsimile of the Last Will and Testament of Penelope Gillespie is provided at your
request. I am Personal Representative of the will. Mark J. Gillespie is unwilling or unable to serve.
Florida has a Personal Representative, not an executor. There are no letters of testamentary.
Please respond in writing to my HUD complaint of August 9, 2012, Consumer Financial Protection
Bureau Case # 120914-000082. Please do not telephone me. Also enclosed is my letter to the CFPB.
Neil J. Gillespie
Email: neilgillespie@mfi.net
cc: Mark J. Gillespie

cc: Consumer Financial Protection Bureau Case # 120914-000082

NOTE: This fax and the accompanying information is privileged and confidential and is intended only for use by the above
addressee. If you are not the intended recipient, you are hereby notified that any use, dissemination or copying of this fax
and the accompanying communications is strictly prohibited. If you have received this communication in error, please
immediately notify the sender by telephone, collect if necessary, and return the original message to me at the above address
via U.S. mail. Thank you for your cooperation.
All calls on home office business telephone extension (352) 854-7807 are recorded for quality assurance purposes pursuant
to the business use exemption of Florida Statutes chapter 934, section 934.02(4)(a)(1) and the holding of Royal Health
Care Servs., Inc. v. Jefferson-Pilot Life Ins. Co., 924 F.2d 215 (11th Cir. 1991).

VIA U.S. Postal Service Priority Mail

9405 5036 9930 0163 3807 89
October 8, 2012
Consumer Financial Protection Bureau (CFPB)
P.O. Box 4503
Iowa City, IA 52244
RE: CFPB Case # 120914-000082
To Whom It May Concern:
Enclosed is a copy of my response to Bank of America, Christopher Pickle, Office of the CEO
and President, responding to his request for a copy of the Last Will and Testament of Penelope
Gillespie. A copy of the will is enclosed.
On September 27, 2012 I attempted, but was not able, to open an account with the CFPB to
review my complaint and view the status at http://www.consumerfinance.gov/.
Is my account disabled? How can I open an account with CFPB?
Please contact me if you need any additional information. Thank you.
Sincerely,

Neil J. Gillespie
8092 SW 115th Loop
Ocala, Florida 34481
Telephone: (352) 854-7807
Email: neilgillespie@mfi.net
cc: Bank of America, Christopher Pickle, Office of the CEO and President
Enclosures

All calls on home office business telephone extension (352) 854-7807 are recorded for quality assurance purposes
pursuant to the business use exemption of Florida Statutes chapter 934, section 934.02(4)(a)(1) and the holding of
Royal Health Care Servs., Inc. v. Jefferson-Pilot Life Ins. Co., 924 F.2d 215 (11th Cir. 1991).

BankofAmerica ~

Executive Customer Relations

Office of the CEO and President

October I, 2012
Neil Gillespie

8092 Southwest II 5th Loop

Ocala, FL 34481

Inquiry received date: September 17,2012

Dear Neil Gillespie:
Bank of America's Office of the CEO and President acknowledges receipt of your inquiry. As a customer

advocate, I welcome the opportunity to respond to your inquiry.

Laws that govern customer privacy prevent us from providing you with details about any relationship we may
have with any customer without first obtaining the written consent of such customer. Since our records indicate
that no written authorization has been received to date from the person on whose behalf you are inquiring, we are
unable to discuss any infonnation with you at this time. Please provide a copy of the will naming the third party
as the executor or the letters of testamentary naming you as the authorized representative. We will respond to the
concerns raised in your correspondence once the aforementioned documents are provided.
If you wish to submit the will or the letters of testamentary, you can fax them directly to me at 1.877.373.7139.
Please feel free to contact me directly at 1.972.526.3604. I am available Monday through Friday, 7:30 a.m. to
4:30 p.m. Central.
Sincerely,
Christopher Pickle

Customer Advocate

Office of the CEO and President

cc: Consumer Financial Protection Bureau Case # 120914-000082

Bank of America, TX2-981-05-07

100 North Tryon Street, Charlotte, NC 28255-0001
ORecycIed Paper

Recording Requested By:

Bank of America

Prepared By: Diana De Avila

888-603-9011

When recorded mail to:

Reverse Mortgage Solutions, Inc.

2727 Spring Creek Drive

Spring, TX 77373

111111111111~1111I11111111111111

DocID#
1266801100261589920032
Property Address:
8092 SW 115TH LOOP
OCALA, FL 34481
This space for Recorder's use

3/2712012

FLO-AM 18001254

ASSIGNMENT OF MORTGAGE
For Value Received, the undersigned holder of a Mortgage (herein "Assignor") whose address is 190 QUEEN ANNE,
NORTH SUITE 100 SEATTLE, WA 98109 does hereby grant, sell, assign, transfer and convey unto REVERSE
MORTGAGE SOLUTIONS, INC., whose address is 2727 SPRING CREEK DRIVE, SPRING, TX 77373 all
beneficial interest under that certain Mortgage described below together with the note(s) and obligations therein
described and the money due and to become due thereon with interest and all rights accrued or to accrue under said
Mortgage,
LIBERTY REVERSE MORTGAGE, INC.
PENELOPE M. GILLESPIE, INDIVIDUALLY AND AS TRUSTEE NEIL J.
GILLESPIE AND MARK GILLESPIE, AS CO-TRUSTEES OF THE GILLESPIE
FAMILY LIVING TRUST AGREEMENT DATED FEBRUARY 10, 1997
Date of Mortgage:
6/5/2008
Original Loan Amount:
$198,000.00
Recorded in Marion County, FL on: 6/25/2008, book OR 05057, page 1670 and instrument number 2008065289
Original Lender:
Original Borrower(s):

IN WITN~~S Yo!tQ::REOF, the undersigned has caused this Assignment of Mortgage to be executed on

MAR Z'/ ZOlZ

L2:0G

By

Dominique JobnsoD

Assistant Vice President

C_hest
__B_1L_9_'V_i"_g_S__

Witness:

Witness:

Edward Gallegos

State of California
County of Ventura

2012

On MAR 27
before me,
J jJ)jan JEllison
, No4U"Y Public, personally
Jane Martorana
and
O6mlnlqUe Johnson ,who proved
appeared
to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within
instrument and acknowledged to me that helshelthey executed the same in hislher/their authorized capacity(ies),
and that by hislher/their signature(s) on the instrument the person(s), or the entity upon behalf of which the person
(s) acted, executed the instrument.
I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing
paragraph is true and correct.

Notary Pu c:
Lillian J. Ellison
My Commission Expires: Ma!ch 13, 2015

LILLIAN J. ELLISON
C(lIMIIllion It 11256\7
. ~ Public -Cllltornit
los Angele. County.
..
M Comm. Ex 'res Mar 13. 2015

10 JAN I

(;(;ccJ -wF- 0;),;1. ,-/S:J-J

PH 12: 42

D'~m' ~."'c t~kW711 and

H,A.t;: ION COUNT Y. FL

Destament

OF

PENELOPE GILLESPIE
I, PENELOPE GILLESPIE, a resident ofMarion County, Florida, and a citizen ofthe .
United States of America, hereby make, publish and declare this to be my Last Will and
Testament, and I hereby revoke all my prior Wills and Codicils that I may have made
heretofore.
FIRST:

I authorize my personal representative to pay the expenses ofmy

last illness, funeral and burial as deemed appropriate in the discretion of my personal
representative, without regard to any statutory limitation on the amount of such expenses. I
further authorize, but not direct, my personal representative to pay the administration
expenses of my estate and all the debts that my estate shall be legally obligated to pay, except
that the payment of any debts secured by a mortgage or other encumbrance on property
owned by me at my death shall be within the discretion of my personal representative so that
such property may pass subject to the mortgage or other encumbrance.
SECOND:

If there is a separate writing signed and dated by me and in

existence at the time of my death, then I give and devise the items of tangible personal
property listed in the separate writing to persons named therein. The latest such separate
Page 1 of 5

p. ?r}.Jd

writing in existence at the time ofmy death shall constitute the "Separate Writing" referred to
in Florida Statute 732.515 and be determinative with respect to all items devised therein. If
such writing is not found within 30 days after my decease, it should be conclusively
presumed that none exists. None of the specific devises set forth in said Separate Writing
shall be considered as part of any beneficiary's share of my estate.
THIRD:

I declare that I am an unremarried widow, and that I have three

children, MARK J. GILLESPIE, of Ft. Worth, Texas, NEIL J. GILLESPIE, of Ocala,

Florida, and ELIZABETH BAUERLE, of St. Charles, Illinois.
FOURTH:

It is my wish and direction that my earthly remains be buried

near my parents in New Jersey rather than cremation.

FIFTH:

I give, devise and bequeath all the rest and residue of my property

of whatever name and nature wherever situated, including the proceeds of any insurance
policies payable for the benefit of my estate, payable to my estate or payable to me, to my
personal representative as such or assigns, and including all property over which I may have
any power of appointment, to that person or those persons who are at the time ofmy decease,
th

serving as the trustees under a certain trust agreement executed by me on the 10 day of
February, 1997, entitled "THE GILLESPIE FAMILYLIVING TRUST AGREEMENT," to
be added to the property then held in trust by said trustees and to be held and administered in
accordance with the terms of the trust as stated in said trust instrument of revocable trust as
from time to time hereafter amended.
Page 2 of 5

j!. 7J7. IJ,

SIXTH:

If the Trust shall be invalid, fail, or be revoked, or ifthe bequest

of the residue of my estate made hereunder shall fail for any reason, I give, devise and
bequeath the residue of my estate, real and personal, wherever situated, including all failed
and lapsed gifts, to the person named as Trustee of the Trust, in trust, to hold, manage and
distribute upon the terms and conditions provided in said Trust.
Except as specifically provided in the Trust, I have intentionally, and with full
knowledge, omitted to provide any benefits under this Will for my heirs.
SEVENTH: I appoint my son, MARK J. GILLESPIE, as Personal
Representative of this Will and direct that no bond be required of him as such. If MARK J.
GILLESPIE be unwilling or unable to serve as Personal Representative, then I appoint my
son, NEIL J. GILLESPIE, as Personal Representative, and direct that no bond be required of
him as such, nor be required to comply with the provisions of Chapter 737, Florida Statutes.
If NEIL J. GILLESPIE be unwilling or unable to serve as Personal Representative, then I
appoint my daughter, ELIZABETH BAUERLE, as Personal Representative, and direct that
no bond be required ofher as such, nor be required to comply with the provisions ofChapter

737, Florida Statutes. The Personal Representative shall not be entitled to any compensation,
but is entitled to complete reimbursement for all expenses incurred in the performance of
his/her duties.
I give to my Personal Representative at any time acting hereunder, full power
and authority to do all acts which I might or could do if living, including authority to sell
Page 3 of 5

O? q,/f~

without order of court any real or personal property belonging to my estate and to settle and
compound any claims, either in favor of or against my estate, as to him/her shall seem best
for the purpose aforesaid, to execute any and all proper and necessary deeds, conveyances,
receipts and acquittances.
IN WITNESS WHEREOF, I have hereunto set my hand and seal at Ocala,
Florida, this

11- day of September, 2008.

PENELOP GILLESPIE

Signed, sealed, published and declared by the said PENELOPE GILLESPIE, as

and for her Will, in the presence of the undersigned, who at her request and in her presence
and in the presence of each other have hereunto set our hands as witnesses thereto this

17

day of September, 2008.

STATE OF FLORIDA
COUNTY OF MARlON
We, PENELOPE

KAREN DAVIS CURRtf

GILLESPIE,

MICHAEL

A.

SIEFERT

and

, the Testatrix and the witnesses respectively, whose

names are signed to the attached or foregoing instrument, being first duly sworn, do hereby
Page 4 of 5

declare to the undersigned officer that the Testatrix signed the instrument as her Last Will
and Testament and that she signed voluntarily and that each ofthe witnesses in the presence
ofthe Testatrix, at her request, and in the presence of each other signed the Will as a witness
and that to the best ofthe knowledge of each witness the Testatrix was at the time eighteen or
more years of age, of sound mind and under no constraint or undue influence.

Subscribed and acknowledged before me on this the

11- day of September,

2008, by PENELOPE GILLESPIE, the Testatrix, and subscribed and sworn to before me by
MICHAEL A. SIEFERT and

KAREN DAVIS CIJRAtE

,the witnesses, who

presented Florida driver licenses as identification or who are personally known to me.

My Commission Expires:

*..

~c~~:;*~~lJ(1:t
-Ie

J6(J;;tlU2A~

NOTARY PUBLIC

HEATHER HILLIARD
MY COMMISSION # DO 589311
EXPIRES: November 28, 2010

cP~,.~ OF F\}~~Q"t' Bonded Thru Budget Notary Services

Page 5 of 5

PROBATE DIVISION

OFFICE OF DAVID R. ELLSPERMANN-CLERK OF THE CIRCUIT COURT

RECEIPT #:
RECEIVED OF:
PART. 10:
BY CLERK:
CHECKS:

CASH
$7.00

CASE NUMBER

P 000055617
GILLESPIE NEIL JOSEPH
1406736
L. SPARKMAN

CREDIT
$0.00

DATE: 01-12-2010

TIME: 12:52:26
MEMO: 1CC WILL
0000-WF-022452

CHANGE
$0.00

OTHER
$0.00

EVENT
_._
-

-----

COURT~UDGE
-~

- -

TAX NO.
-----_ ..

AMOUNT

9301

PAY: COPY FEE PR

$5.00

9302

PAY: CERTIFIED COPY FEE PR

$2.00

TOTAL RECEIPT...

$7.00