The mortgage lender ( BMO) claims automatic payment from my CIBC account was returned by CIBC, but my bank record indicates no such return. So who created such black-hole? Whose black hands lurk behind the scene? The purpose is trying to put me into extinction. I, hereby, protest those mean acts. Abide by international financial order and international law! By the way, the RCMP and FBI websites are linked in RECOL(I've reported five times since the summer of 2007).