Aldridge Pite, LLP CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/29/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 95076	Web
The Bank-Lender and/or Successor ( s ) in the Mortgage and Note on the real property at XXXX XXXX XXXX XXXX XXXX, CA XXXX remained silent when Administrative Arbitration Documents were sent regarding their lack of authority to Foreclose on the subject real property. Deed of Trust recorded XX/XX/XXXX in XXXX County, California Document # XXXX on MIN # XXXX, has serious discrepancies in legal language to bind anyone to a mortgage contract with XXXX XXXX XXXX, XXXX XXXX XXXX and/or its Successor ( s ). To Wit : The Note which precedes the deed of trust says : In return for a loan I have received, I promise to pay U.S. {$370000.00} ( this amount is called Principal plus interest to the order of the Lender. [ emphasis bold, mine ] However no money changed hands at the time of the alleged loan above. The Note was securitized later, roughly assumed to happen ( 5 ) days later and deposited by the Bank as an asset. Therefore the above language at the first paragraph of the original Note invalidates any mortgage agreement for being chronologically false. Fraud in the language above invalidates any Foreclosure occurring against the real property. Further evidence that is lacking is that under 18 USCA 1813 ( L ) ( 4 ) the Lender must issue a receipt for the promissory note deposited. It is asserted there will be no evidence forthcoming of such mandatory receipt in the entirety of the Defendant ( s ) possession. One of the reasons this evidence is likely hidden is that the " borrower '' is the Originator under UCC 4A-104, and only the Note signatory is the Originator. This means Trover is an ongoing Enterprise in this Case whereupon the Bank-Lender and/or its Successors are attempting Conversion Theft. Under the BORROWER COVENANTS section of the Deed of Trust Agreement of XX/XX/XXXX,, there were no encumbrances of record as no money changed hands XX/XX/XXXX, There was no loan given by the Bank-Lender pursuant to 12 CFR 223.14, no collateral deposit was made by the Bank either on XX/XX/XXXX, and therefore the language of the Mortgage Agreement and its chronology is fraudulent. The Plaintiff and/or its Successors have not met their burden of proof in evidence to sustain a foreclosure on the real property. In addition to several demands for the Bank-Lender and/or its Successors to show proof of authority, and standing, to Foreclose upon the alleged " Borrowers '' the Administrative Letters regarding Arbitration also showed an interest by U.S.Senate Report by the U.S. Government on all Mortgages since the Bankruptcy of 1933. The recipients of the Administrative Arbitration Documents also Defaulted by remaining silent on the U.S. Govt 's interest in the mortgages and land 's mortgaged in this country in reference to the Admin. Arbitration documents mailed by certified u.s. postal. Though the Law Firm ( s ) involved claim they did not have to respond to the alleged Borrower 's Administrative Arbitration documents, mailed, their silence to the step by step mailings leading to an Administrative Arbitration Award due to their silence prompts this Claimant to expose the Bank ( s ) and/or its Successor ( s ) to the clear Fraud they are perpetrating in collecting an alleged debt they have no verified loan in existence to prove there was anything more than a credit extension, and it is illegal to loan credit. ( see ) 12 CFR 223.14. The Notice of Intent to file a Complaint in the Court for Enforcement of the Arbitration Award, to the opposition 's silence follows and at least one Law Firm involved so far claims the Administrative process used is nonsensical. However, Arbitration does not have to proceed through the courts alone. Therefore the Petitioner ( s ) herein state they are entitled to the Administrative Arbitration Award, and that matter ( s ) expressed in the Arbitration document ( s ) show that the Foreclosure Process is an entire Sham and a Cease & Desist of all forward movement has to occur or criminal charges regarding Indentured Servitude and Extortion to name a couple charges available may be filed against the opposition and their lawyer ( s ) who are also liable for continuing a criminal enterprise in defacto debt collection ( s ). The Notice of Default and Notice of Intent submitted by these claimant ( s ) follows : FROM : XXXX XXXX XXXX, a living man XXXX XXXX XXXX XXXX XXXX, CA. XXXX XX/XX/XXXX XXXX XXXX, President CEO, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX, Phone ( XXXX ) XXXX, Fax ( XXXX ) XXXX ( XXXX ) XXXX CLEAR RECON CORP. , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, Phone ( XXXX ) XXXX, Fax ( XXXX ) XXXX ( XXXX ) XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX NOTICE OF ADMINISTRATIVE DEFAULT & NOTICE OF INTENT TO FILE COMPLAINT FOR ARBITRATION ENFORCEMENT The above claimant ( s ) filed Administrative Arbitration documents to the above Respondents who are attempting to foreclose on property owned by the Petitioner ( s ). Due to the silence of the Respondents to answer the Arbitration documents submitted to them the Respondents may think that Enforcement is not forthcoming as they did not expressly agree to Arbitration. The Petitioner does not need to form an agreement to Arbitrate as the Respondents have past claimed they have standing to represent their client ( s ) and/or litigate a Mortgage agreement that they either are party to or have been assigned on, or purchased as a Debt Collection Law Firm. Maritime Transactions, as herein defined, means charter parties, bills of lading of water carriers, agreements relating to wharfage, supplies furnished vessels or repairs to vessels, collisions, or any other matters in foreign commerce which, if the subject of controversy, would be embraced within admiralty jurisdiction commerce, as herein defined, means commerce among the several States or with foreign nations, or in any Territory of the United States or in the District of Columbia, or between any such Territory and another, or between any such Territory and any State or foreign nation, or between the District of Columbia and any State or Territory or foreign nation, but nothing herein contained shall apply to contracts of employment of seamen, railroad employees, or any other class of workers engaged in foreign or interstate commerce. ( see ) 9 U.S.C. 1. .. In regards to Foreign or Interstate Commerce : Public Law 89-485 XX/XX/XXXX AN ACT to amend the Bank Holding Company Act of 1956. SEC. 3 " Bank ' means any institution that accepts deposits that the depositor has a legal right to withdraw on demand, but shall not include any organization operating under section 25 or section 25 ( a ) of the Federal Reserve Act, or any organization that does not do business within the United States. SEC. 6. " ( h ) The application of this Act and of section 23A of the Federal Reserve Act ( 12 U.S.C. 371 ), as amended, shall not be affected by the fact that a transaction takes place wholly or partly outside the United States or that a company is organized or operates outside the United States : SEC. 12. ( a ) Section 23A of the Federal Reserve Act, as amended ( loans to affiliates ) ( 12 U.S.C. 371c ) ... Again at Title 9 U.S.C. : A written provision in any maritime transaction or a contract evidencing a transaction involving commerce to settle by arbitration a controversy thereafter arising out of such contract or transaction, or the refusal to perform the whole or any part thereof, or an agreement in writing to submit to arbitration an existing controversy arising out of such a contract, transaction, or refusal, shall be valid, irrevocable, and enforceable, save upon such grounds as exist at law or in equity for the revocation of any contract. ( see ) 9 U.S.C. 2. THE APPLICABLE DEED OF TRUST The Deed of Trust recorded XX/XX/XXXX, in the County of XXXX XXXX, at page ( 9 ) of ( 13 ) says at section ( 16 ) Governing Law ; Severability ; Rules of Construction : .All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract ... PLEASE TAKE NOTICE AND RESPOND ACCORDINGLY OPPOSITION TO ARBITRATION COSTS THE COURT California Civil Procedure 1775. The Legislature finds and declares that : ( a ) The peaceful resolution of disputes in a fair, timely, appropriate, and cost-effective manner is an essential function of the judicial branch of state government under Article VI of the California Constitution. ( b ) In the case of many disputes, litigation culminating in a trial is costly, time consuming, and stressful for the parties involved. Many disputes can be resolved in a fair and equitable manner through less formal processes. ( c ) Alternative processes for reducing the cost, time, and stress of dispute resolution, such as mediation, have been effectively used in California and elsewhere. In appropriate cases mediation provides parties with a simplified and economical procedure for obtaining prompt and equitable resolution of their disputes and a greater opportunity to participate directly in resolving these disputes. Mediation may also assist to reduce the backlog of cases burdening the judicial system. It is in the public interest for mediation to be encouraged and used where appropriate by the courts. ( d ) Mediation and similar alternative processes can have the greatest benefit for the parties in a civil action when used early, before substantial discovery and other litigation costs have been incurred. Where appropriate, participants in disputes should be encouraged to utilize mediation and other alternatives to trial for resolving their differences in the early stages of a civil action. ( e ) As a pilot project in XXXX XXXX County and in other counties which elect to apply this title, courts should be able to refer cases to appropriate dispute resolution processes such as judicial arbitration and mediation as an alternative to trial, consistent with the parties right to obtain a trial if a dispute is not resolved through an alternative process. ( f ) The purpose of this title is to encourage the use of court-annexed alternative dispute resolution methods in general, and mediation in particular. It is estimated that the average cost to the court for processing a civil case of the kind described in Section 1775.3 through judgment is XXXX XXXX XXXX XXXX XXXX dollars ( {$3900.00} ) for each judge day, and that a substantial portion of this cost can be saved if these cases are resolved before trial. ( emphasis bold, italics, Petitioner ) The Judicial Council, through the Administrative Office of the Courts, shall conduct a survey to determine the number of cases resolved by alternative dispute resolution authorized by this title, and shall estimate the resulting savings realized by the courts and the parties. The results of the survey shall be included in the report submitted pursuant to Section 1775.14. The programs authorized by this title shall be deemed successful if they result in estimated savings of at least XXXX XXXX XXXX XXXX dollars ( {$250000.00} ) to the courts and corresponding savings to the parties. ( Added by Stats. 1993, Ch. 1261, Sec. 4. Effective XX/XX/XXXX. CA Civ. Proc. Sec. 1775 ( California Code ( 2019 Edition ) ) ARBITRATION IS COMMENCED UPON THE FOLLOWING : 1 ) Adhoc by a demand to arbitrate. 2 ) Institutional - very similar to a demand to arbitrate, addressed to the institution ; called a Request for Arbitration or Notice of Arbitration. Party-Autonomy to choose the method of Arbitration or Alternative Dispute Resolution General policies. It is the policy of most States to actively promote the use of various modes of ADR and to respect party autonomy or the freedom of the parties to make their own arrangements in the resolution of disputes with the greatest cooperation of and the least intervention from the courts. To this end, the objectives of the States ADR Rules are to encourage and promote the use of ADR, particularly arbitration and mediation, as an important means to achieve speedy and efficient resolution of disputes, impartial justice, curb a litigious culture and to de-clog court dockets. Declaration of Policy -To actively promote party autonomy in the resolution of disputes or the freedom of the parties to make their own arrangements to resolve their disputes -To encourage and actively promote the use of ADR to achieve speedy and impartial justice & de-clog court dockets Any party to an arbitration may request the court to act as an Appointing Authority in the instances specified in the Arbitration mailings made in this situation. In the event that one party defaults in answering the demand, the aggrieved party may file with the Clerk of the Court of First Instance having jurisdiction over the parties, a copy of the demand for arbitration under the contract to arbitrate, with a notice that the original demand was sent by registered mail or delivered in person to the party against whom the claim is asserted. Such demand shall set forth the nature of the controversy, the amount involved, if any, and the relief sought, and shall be accompanied by a true copy of the contract providing for arbitration. " Early Neutral Evaluation '' means an ADR process wherein parties and their lawyers are brought together early in a pre-trial phase to present summaries of their cases and receive a nonbinding assessment by an experienced, neutral person, with expertise in the subject in the substance of the dispute. California Civil Procedure 1281.6 : If the arbitration agreement provides a method of appointing an arbitrator, that method shall be followed. If the arbitration agreement does not provide a method for appointing an arbitrator, the parties to the agreement who seek arbitration and against whom arbitration is sought may agree on a method of appointing an arbitrator and that method shall be followed. In the absence of an agreed method, or if the agreed method fails or for any reason can not be followed, or when an arbitrator appointed fails to act and his or her successor has not been appointed, the court, on petition of a party to the arbitration agreement, shall appoint the arbitrator. CA Civ. Proc. Sec. 1281.6 ( California Code ( 2019 Edition ) ). NOTICE OF DEFAULT IS PROPER The Petitioners mailings to all party ( s ) who claim standing have finished out and the Petitioner is entitled to Enforcement. Failure of the Respondents to answer is merely confirmation that the Court will not look favorably on the excessive costs that may now be incurred to litigate the necessary points and authorities that have already been made in the administrative mailings sent by the Petitioner. INTENT TO FILE COMPLAINT FOR ARBITRATION ENFORCEMENT The Respondent ( s ) have not offered to Settle out of Court as they have not answered any of the Administrative mailings for Arbitration this Petitioner has sent by registered or certified mail. The Respondents have ( 10 ) days from the date of this letter to respond or Court Enforcement will be commenced to the dismay of the already clogged up State Courts. TITLE 9 UNITED STATES CODE A party aggrieved by the alleged failure, neglect, or refusal of another to arbitrate under a written agreement for arbitration may petition any United States district court which, save for such agreement, would have jurisdiction under title 28, in a civil action or in admiralty of the subject matter of a suit arising out of the controversy between the parties, for an order directing that such arbitration proceed in the manner provided for in such agreement. ( ref ) 9 U.S.C. 4. I LOOK FORWARD TO YOUR REPLY TO THIS NOTICE OF INTENT. Thank you for your assistance in this matter, Respectfully, _________________________ XXXX XXXX XXXX XXXX Dispute Resolution or Arbitration Determination or Conclusory Documents were also sent to : XXXX COUNTY RECORDERS OFFICE, XXXX XXXX XXXX XXXX, XXXX, CA XXXX, Phone ( XXXX ) XXXX, CALIFORNIA STATE ATTORNEY GENERA, XXXX XXXX, Attorney General, XXXX. XXXX XXXX, XXXX, CA XXXX, Phone ( XXXX ) XXXX, US DEPARTMENT OF JUSTICE, ATTORNEY GENERAL, XXXX XXXX XXXX, XXXX, Washington, DC XXXX, Phone ( XXXX ) XXXX, Attentively, XXXX XXXX XXXX
02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91739	Web	Servicemember
FRAUD complaint against XXXX XXXX, Clear Recon Corp, and Aldridge Pite LLP. There are no statute of limitations on Fraud and Fraud vitiates all contracts and everything it touches from the beginning ( United States vs Throckmorton ). After sustaining a few injuries and not being able to work anymore because of a physical disability, Ive been able to read and research more about mortgage fraud happening to me by XXXX XXXX, Clear Recon Corp, and Aldridge Pite LLP. I've been trying to dispute and resolve this since last year and I have attached much of the proof but I have a lot more that I wasn't able to upload here because its a large amount but it's available upon request. I discovered there was never any actual valuable consideration given nor actual loan given. I gradually discovered all this information and that there was a lot of concealment and non-disclosure and Ive seen how fraudulently these companies operate. There are many violations these companies are committing and they are continually reporting negative inaccuracies causing damages to me and damages to my credit reports & public records causing harm and defamation of character violating 15 usc 1681g and 1681a1. They have violated many laws including but not limited to the Privacy Act of 1974, 15 U.S.C. 1681, 15 U.S.C. 1692, the FDCPA Fair Debt Collection Practices Act, the FCRA Fair Credit Reporting Act, RESPA Real Estate Procedures Act, TILA Truth in Lending Act, Regulation Z, & even the highest of laws, including the Maxims of law and Constitutional law. I first sent XXXX XXXX an email on or about XX/XX/XXXX when the Forbearance period was ending and I got no response. I then sent a certified letter on XX/XX/XXXX requesting validation of debt via certified mail number XXXX. XXXX XXXX then responded on XX/XX/XXXX, however their attempt to validate the debt did not meet the FDCPA standards. There also was shown a bifurcation/break in the chain of title and the deed did not match the promissory note making the instrument unenforceable yet they are still attempting to foreclose on my home and steal it by filing a Notice of Default in the public records violating FCRA and more. Furthermore, FDCPA codified in 15 USC 1692 stipulates that a debt collector must validate an alleged debt by affidavit, oath or deposition and cease all collection activity until proper validation is provided. XXXX XXXX failed to cease all negative collection activity and failed to comply with accurate reporting, and further keep violating my rights and are continually reporting negative transactions to the credit bureaus and more. On XX/XX/XXXX, I then sent XXXX XXXX an Affidavit of Truth notarized and titled, Lawful Notice of Affidavit of Truth Conditional Acceptance, with about 50 averments I discovered about mortgages, fraud, unlawful and lawful contracts and more. I served XXXX XXXX via registered mail through an Administrative Lawful Process, giving them 30 days to respond to my affidavit point by point and according the highest forms of law. Maxims of Law include but are not limited to In Commerce an Unrebutted affidavit stands as truth, and A Declaration after 30 days becomes the final judgment in commerce, and Indeed no more than an affidavit is necessary to make a prima facie case ( United States V Kis, 658 F2d, 526,536 ( 9th cir 1981 ). I sent XXXX XXXX via Registered mail # XXXX XXXX XXXX XXXX notarized Affidavit of Truth along with an Estoppel with return signature receipt requested. I received confirmation of receipt in the mail however, there was no response to my affidavit from XXXX XXXX. On XXXX XXXX, via registered mail # XXXX XXXX & XXXX I then gave XXXX XXXX another chance, in honor, another 10 days to respond and yet they still did not respond to my affidavit & it went unrebutted. They failed to respond to the affidavit altogether therefore tacitly agreeing to all the statements and acquiesced by silence ( see attached ). I then served XXXX XXXX their final Notice of Default and Dishonor notarized with a True Bill in commerce on XX/XX/XXXX via Registered mail # XXXX XXXXXXXX XXXX XXXXXXXX for over XXXX XXXX dollars in violations of Fraud and more ( see attached ). Silence can only be equated with Fraud when there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading ( U.S. vs Pruden & U.S. V. Twill ) XXXX XXXX to this day has not responded to any of my affidavits of truth yet continue to criminally trespass on the issued Collateral Estoppel and violate my privacy rights and the laws stated above. On XX/XX/XXXX I responded to a letter that Aldridge Pite LLP, an unauthorized 3rd party sent me, that I did not give my written expressed permission to yet they sent me a letter saying XXXX XXXX obtained them as Counsel to try to collect information to collect the debt. I responded via certified mail # XXXX letting them know that by operation of Law, XXXX XXXX has already been put on Notice of Default and Dishonor and are under Collateral Estoppel and are prohibited from any collection activity ; no one, nor third party, can further make a claim as its already Res Judicata on its dispute. Nevertheless, Aldridge Pite LLP continued to criminally trespass on the Estoppel and that as well and sent me another package I received on XX/XX/XXXX that I realized had possibly forged and or fraudulent backdated documents on them. I would like to see the authenticity of those documents, a forensic audit requested may be in order here. Furthermore, if they barely got it transferred in their name in XX/XX/XXXX, how were they sending me and collecting on bills for years before that? A forensic and securitization audit is recommended for proof of all fraud committed. Furthermore they trespassed on the Estoppel I issued XXXX XXXX on XX/XX/XXXX. Theres so much apparent fraud that needs to be addressed, investigated, audited and looked into here to avoid further violations of my rights, trespass and harm. XXXX XXXX, Aldridge Pite LLP and Clear Recon Corp appeared to have conspired together ( as it can be found Aldridge Pite LLP and Clear Recon Corp share a same address on XXXX XXXX in XXXX XXXX ) They continue to criminally trespass on the issued Estoppel and continually report negative items on all of the credit reports and even public records and are continually issuing threatening foreclosure mail and statements which are in clear violation of FCRA, FDCPA and many of the laws stated above. They further fraudulently filed a Notice of Default on public record XX/XX/XXXX at the XXXX XXXX XXXX records causing me so much emotional stress to me as well as my family and tenants causing harm and defamation of character. They sent out mail to 3 different addresses on XX/XX/XXXX violating my privacy rights and further causing harm. They furthermore keep reporting negative inaccuracies on many 3rd parties and credit reporting agencies including XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX. I then further served all 3 companies via registered mail notarized to XXXX XXXX, Clear Recon Corp and Aldridge Pite LLP on XX/XX/XXXX an Affidavit of Truth and Notice to Cease and Desist via Registered mail # XXXX XXXX, XXXXXXXX XXXX XXXXXXXX & I also sent them a copy of my notarized rescission of signatures for Fraud dated XX/XX/XXXX and noting it goes back to anything signed from XX/XX/XXXX to present including rescission of signatures to MERS and XXXX XXXX and any versions of their changed names or parenting or affiliated companies and or debt collectors ( see attached ) I tried to call XXXX on XX/XX/XXXX to report the Fraud as well to all 3 credit reporting agencies including XXXX and XXXX and they told me they would investigate it but the results just show that it seems verified and if there is identity theft to call the companies because they may not have a phone number to call me, but they all just continue to report inaccurate reporting causing me defamation of character, harm, emotional distress and more and violating the FCRA and the FDCPA. I have a pile of proof of all this evidence but the file was too large to upload here ( available upon request ; I can email it or mail it to you ). They are actually trying to steal my property and put it in foreclosure when they have no lawful or legal standing and the instruments are defective, fraudulent and are unenforceable according to State and Federal law. Their Fraud must be investigated and handled appropriately and their violations must stop immediately. My Constitutional Rights must be protected and furthermore I should be protected by all the laws put in place including at the Federal and State level including FCRA and FDCPA. According to UCC 9-203. ATTACHMENT AND ENFORCEABILITY OF SECURITY INTEREST ; PROCEEDS ; SUPPORTING OBLIGATIONS ; FORMAL REQUISITES ( b ) [ Enforceability. ] Except as otherwise provided in subsections ( c ) through ( i ), a security interest is enforceable against the debtor and third parties with respect to the collateral only if : ( XXXX ) value has been given ; ( no value has been given, no valuable consideration or loan from XXXX XXXX, Clear Recon Corp or Aldridge Pite LLP ) Was the obligor in the mortgage or vehicle consumer credit contract given Valuable Consideration for the Note, Lien from the originator, the beneficiary of the deed of trust, the REMIC depositor or underwriter buyer ( s )? No? No valuable consideration or loan was ever given and that was not disclosed to me from the beginning. Theres also apparent Securities Fraud involved that should possibly be investigated by the SEC and or the Attorney General. Case should be rested and closed here, no attachment under UCC 9-203 ( a ), no enforceability of the Note under UCC 203 ( b ), by any holder-in-due course or holder or non-holder of the Note, such as servicer, trustee, beneficiary of the deed of trust. read 'Attachment ' UCC 9-203 UCC 9-203 ( b ) enforcement of a lien against the Debtor only if Valuable Consideration has been given to your Debtor THE NEGOTIABLE INSTRUMENT NOTE BEING FORECLOSED ON HAS FORGED ALTERATION AND THEREFORE, THERE IS AUTOMATIC DISCHARGE OF ANY DEBT. It appears there has been more fraud and possible forgery with the documents they recorded on XX/XX/XXXX at XXXXXXXX XXXX as it appears to be extremely and unusually backdated to XX/XX/XXXX. I would like to see an audit of that Notaries book of signatures and thumbprints and dates and get aknowledgement of verified notary. It was mailed to me on XX/XX/XXXX. They further didnt give me due process, nor 30 days to respond and they quickly filed a Notice of Default on XX/XX/XXXX fraudulently yet it is in public records for all to see and now XXXX shows pre foreclosure and Im emotionally stressed as I'm now getting harassed daily with constant calls, and mail and its going to all 3 different addresses defaming my character and causing much emotional stress to my family, tenants and I, causing harm. Per Cal. Civil Code section 1700 ( material Alteration ) & Cal Penal Code 496 ( forgery ) and Per UCC 3-407 - ALTERATION Despite the debt being disputed and made Res Judicata by their silence and non-response and tacitally agreeing to my Affidavit of Truth on XX/XX/XXXX along with a placed Estoppel on that date to hault collection activity and reporting ( see attached ), XXXX XXXX , ALDRIDGE PITE LLP AND CLEAR RECON CORP continually criminally trespass on the Estoppel and seemed to have conspired together and acted in dishonor and bad faith without due process and Fraudulently filing. I have further rescinded all signatures, power of attorney, or beneficiary and/or trustee powers to anyone at XXXX XXXX XXXX Mers, any and all mortgage companies and debt collectors going back to XX/XX/XXXX and forward for Fraud and have provided them a copy as well as have attached it here ( it is dated XXXX ) Therefore, the Notice of Default filed XX/XX/XXXX by a defunct Trustee is NULL and VOID Nunc Pro Tunc as they have no authority or standing to act as a Trustee. I would not have signed any of those fraudulent contracts, Deed of Trust, if there was actual full disclosure and as that was sheer trickery played on me. There was no full disclosure and meeting of the minds to the contract agreement. The bank against me the alleged borrower, constructed the contract without me having all of the same information as per the rules of the contract. Therefore there has been a breach of contract. Making all contracts Null and Void. Due to the fact there was no meeting of the minds to the contract prior to the signing of the contract, and that the rules of the contract were deceptive in nature and was designed to benefit one party over the other i.e. to the benefit of the Bank who constructed the contract, this is FRAUD by the misrepresentation of a material fact. Through the rules that dictate contract law, and through the Statute of Frauds, there must be a meeting of the minds of the rules governing the contract or the contract is to be deemed null and void. FOR ALL THE ABOVE REASONS, THE attempted FORECLOSURE ACTION BY XXXX XXXX, Clear Recon Corp and Aldridge Pite LLP IS WRONGFUL ILLEGAL, HARMFUL AND NULL AND VOID. IT MUST BE TERMINATED IMMEDIATELY AND NOTICE OF DEFAULT RESCINDED. A FULL SATISFACTION OF MORTGAGE AND RECONVEYANCE OF THE DEED MUST BE RECORDED IN XXXX XXXX XXXX WHERE THE PROPERTY IS LOCATED. SHOULD THEY CONTINUE WITH THE WRONGFUL AND ILLEGAL FORECLOSURE, THEY WILL BE INVOICED TRIPLE THE AMOUNT THEY ARE FORECLOSING ON IN DAMAGES. I WOULD LIKE TO REQUEST CFPB Consumer Financial Protection Bureau TO INVESTIGATE THE FRAUD THAT IS BEING PURPORTED ON CONSUMERS UNDER THE GUISE OF A MORTGAGE AND TAKE APPROPRIATE ACTIONS TO PROTECT THE UNINFORMED CONSUMERS. Thank you for your immediate help and investigation in this matter to protect me and others against all these violations as a federally protected consumer.
02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91739	Web	Servicemember
FRAUD complaint against XXXX XXXX, Clear Recon Corp, and Aldridge Pite LLP. There are no statute of limitations on Fraud and Fraud vitiates all contracts and everything it touches from the beginning ( United States vs Throckmorton ). After sustaining a few injuries and not being able to work anymore because of a physical disability, Ive been able to read and research more about mortgage fraud happening to me by XXXX XXXX, Clear Recon Corp, and Aldridge Pite LLP. I've been trying to dispute and resolve this since last year and I have attached much of the proof but I have a lot more that I wasn't able to upload here because its a large amount but it's available upon request. I discovered there was never any actual valuable consideration given nor actual loan given. I gradually discovered all this information and that there was a lot of concealment and non-disclosure and Ive seen how fraudulently these companies operate. There are many violations these companies are committing and they are continually reporting negative inaccuracies causing damages to me and damages to my credit reports & public records causing harm and defamation of character violating 15 usc 1681g and 1681a1. They have violated many laws including but not limited to the Privacy Act of 1974, 15 U.S.C. 1681, 15 U.S.C. 1692, the FDCPA Fair Debt Collection Practices Act, the FCRA Fair Credit Reporting Act, RESPA Real Estate Procedures Act, TILA Truth in Lending Act, Regulation Z, & even the highest of laws, including the Maxims of law and Constitutional law. I first sent XXXX XXXX an email on or about XX/XX/XXXX when the Forbearance period was ending and I got no response. I then sent a certified letter on XX/XX/XXXX requesting validation of debt via certified mail number XXXX. XXXX XXXX then responded on XX/XX/XXXX, however their attempt to validate the debt did not meet the FDCPA standards. There also was shown a bifurcation/break in the chain of title and the deed did not match the promissory note making the instrument unenforceable yet they are still attempting to foreclose on my home and steal it by filing a Notice of Default in the public records violating FCRA and more. Furthermore, FDCPA codified in 15 USC 1692 stipulates that a debt collector must validate an alleged debt by affidavit, oath or deposition and cease all collection activity until proper validation is provided. XXXX XXXX failed to cease all negative collection activity and failed to comply with accurate reporting, and further keep violating my rights and are continually reporting negative transactions to the credit bureaus and more. On XX/XX/XXXX, I then sent XXXX XXXX an Affidavit of Truth notarized and titled, Lawful Notice of Affidavit of Truth Conditional Acceptance, with about 50 averments I discovered about mortgages, fraud, unlawful and lawful contracts and more. I served XXXX XXXX via registered mail through an Administrative Lawful Process, giving them 30 days to respond to my affidavit point by point and according the highest forms of law. Maxims of Law include but are not limited to In Commerce an Unrebutted affidavit stands as truth, and A Declaration after 30 days becomes the final judgment in commerce, and Indeed no more than an affidavit is necessary to make a prima facie case ( United States V Kis, 658 F2d, 526,536 ( 9th cir 1981 ). I sent XXXX XXXX via Registered mail # XXXX XXXX & XXXX notarized Affidavit of Truth along with an Estoppel with return signature receipt requested. I received confirmation of receipt in the mail however, there was no response to my affidavit from XXXX XXXX. On XXXX XXXX, via registered mail # XXXX XXXX & XXXX I then gave XXXX XXXX another chance, in honor, another 10 days to respond and yet they still did not respond to my affidavit & it went unrebutted. They failed to respond to the affidavit altogether therefore tacitly agreeing to all the statements and acquiesced by silence ( see attached ). I then served XXXX XXXX their final Notice of Default and Dishonor notarized with a True Bill in commerce on XX/XX/XXXX via Registered mail # XXXX XXXX & XXXX for over XXXX XXXX dollars in violations of Fraud and more ( see attached ). Silence can only be equated with Fraud when there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading ( U.S. vs Pruden & U.S. V. Twill XXXX XXXX XXXX to this day has not responded to any of my affidavits of truth yet continue to criminally trespass on the issued Collateral Estoppel and violate my privacy rights and the laws stated above. On XX/XX/XXXX I responded to a letter that Aldridge Pite LLP, an unauthorized 3rd party sent me, that I did not give my written expressed permission to yet they sent me a letter saying XXXX XXXX obtained them as Counsel to try to collect information to collect the debt. I responded via certified mail # XXXX letting them know that by operation of Law, XXXX XXXX has already been put on Notice of Default and Dishonor and are under Collateral Estoppel and are prohibited from any collection activity ; no one, nor third party, can further make a claim as its already XXXX XXXX on its dispute. Nevertheless, Aldridge Pite LLP continued to criminally trespass on the Estoppel and that as well and sent me another package I received on XX/XX/XXXX that I realized had possibly forged and or fraudulent backdated documents on them. I would like to see the authenticity of those documents, a forensic audit requested may be in order here. Furthermore, if they barely got it transferred in their name in XX/XX/XXXX, how were they sending me and collecting on bills for years before that? A forensic and securitization audit is recommended for proof of all fraud committed. Furthermore they trespassed on the Estoppel I issued XXXX XXXX on XX/XX/XXXX. Theres so much apparent fraud that needs to be addressed, investigated, audited and looked into here to avoid further violations of my rights, trespass and harm. XXXX XXXX, Aldridge Pite LLP and Clear Recon Corp appeared to have conspired together ( as it can be found Aldridge Pite LLP and Clear Recon Corp share a same address on XXXX XXXX in XXXX XXXX ) They continue to criminally trespass on the issued Estoppel and continually report negative items on all of the credit reports and even public records and are continually issuing threatening foreclosure mail and statements which are in clear violation of FCRA, FDCPA and many of the laws stated above. They further fraudulently filed a Notice of Default on public record XX/XX/XXXX at the XXXX XXXX XXXX records causing me so much emotional stress to me as well as my family and tenants causing harm and defamation of character. They sent out mail to 3 different addresses on XX/XX/XXXX violating my privacy rights and further causing harm. They furthermore keep reporting negative inaccuracies on many 3rd parties and credit reporting agencies including XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX. I then further served all 3 companies via registered mail notarized to XXXX XXXX, Clear Recon Corp and Aldridge Pite LLP on XX/XX/XXXX an Affidavit of Truth and Notice to Cease and Desist via Registered mail # XXXX XXXX, XXXX, & XXXX & I also sent them a copy of my notarized rescission of signatures for Fraud dated XX/XX/XXXX and noting it goes back to anything signed from XX/XX/XXXX to present including rescission of signatures to MERS and XXXX XXXX and any versions of their changed names or parenting or affiliated companies and or debt collectors ( see attached ) I tried to call XXXX on XX/XX/XXXX to report the Fraud as well to all 3 credit reporting agencies including XXXX and XXXX and they told me they would investigate it but the results just show that it seems verified and if there is identity theft to call the companies because they may not have a phone number to call me, but they all just continue to report inaccurate reporting causing me defamation of character, harm, emotional distress and more and violating the FCRA and the FDCPA. I have a pile of proof of all this evidence but the file was too large to upload here ( available upon request ; I can email it or mail it to you ). They are actually trying to steal my property and put it in foreclosure when they have no lawful or legal standing and the instruments are defective, fraudulent and are unenforceable according to State and Federal law. Their Fraud must be investigated and handled appropriately and their violations must stop immediately. My Constitutional Rights must be protected and furthermore I should be protected by all the laws put in place including at the Federal and State level including FCRA and FDCPA. According to UCC 9-203. ATTACHMENT AND ENFORCEABILITY OF SECURITY INTEREST ; PROCEEDS ; SUPPORTING OBLIGATIONS ; FORMAL REQUISITES ( b ) [ Enforceability. ] Except as otherwise provided in subsections ( c ) through ( i ), a security interest is enforceable against the debtor and third parties with respect to the collateral only if : ( XXXX ) value has been given ; ( no value has been given, no valuable consideration or loan from XXXX XXXX, Clear Recon Corp or Aldridge Pite LLP ) Was the obligor in the mortgage or vehicle consumer credit contract given Valuable Consideration for the Note, Lien from the originator, the beneficiary of the deed of trust, the REMIC depositor or underwriter buyer ( s )? No? No valuable consideration or loan was ever given and that was not disclosed to me from the beginning. Theres also apparent Securities Fraud involved that should possibly be investigated by the SEC and or the Attorney General. Case should be rested and closed here, no attachment under UCC 9-203 ( a ), no enforceability of the Note under UCC 203 ( b ), by any holder-in-due course or holder or non-holder of the Note, such as servicer, trustee, beneficiary of the deed of trust. read 'Attachment ' UCC 9-203 UCC 9-203 ( b ) enforcement of a lien against the Debtor only if Valuable Consideration has been given to your Debtor THE NEGOTIABLE INSTRUMENT NOTE BEING FORECLOSED ON HAS FORGED ALTERATION AND THEREFORE, THERE IS AUTOMATIC DISCHARGE OF ANY DEBT. It appears there has been more fraud and possible forgery with the documents they recorded on XX/XX/XXXX at XXXX XXXX. as it appears to be extremely and unusually backdated to XX/XX/XXXX. I would like to see an audit of that Notaries book of signatures and thumbprints and dates and get aknowledgement of verified notary. It was mailed to me on XX/XX/XXXX. They further didnt give me due process, nor 30 days to respond and they quickly filed a Notice of Default on XX/XX/XXXX fraudulently yet it is in public records for all to see and now XXXX shows pre foreclosure and Im emotionally stressed as I'm now getting harassed daily with constant calls, and mail and its going to all 3 different addresses defaming my character and causing much emotional stress to my family, tenants and I, causing harm. Per Cal. Civil Code section 1700 ( material Alteration ) & Cal Penal Code 496 ( forgery ) and Per UCC 3-407 - ALTERATION Despite the debt being disputed and made Res Judicata by their silence and non-response and tacitally agreeing to my Affidavit of Truth on XX/XX/XXXX along with a placed Estoppel on that date to hault collection activity and reporting ( see attached ), XXXX XXXX , ALDRIDGE PITE LLP AND CLEAR RECON CORP continually criminally trespass on the Estoppel and seemed to have conspired together and acted in dishonor and bad faith without due process and Fraudulently filing. I have further rescinded all signatures, power of attorney, or beneficiary and/or trustee powers to anyone at XXXX XXXX , Mers, any and all mortgage companies and debt collectors going back to XX/XX/XXXX and forward for Fraud and have provided them a copy as well as have attached it here ( it is dated XXXX ) Therefore, the Notice of Default filed XX/XX/XXXX by a defunct Trustee is NULL and VOID Nunc Pro Tunc as they have no authority or standing to act as a Trustee. I would not have signed any of those fraudulent contracts, Deed of Trust, if there was actual full disclosure and as that was sheer trickery played on me. There was no full disclosure and meeting of the minds to the contract agreement. The bank against me the alleged borrower, constructed the contract without me having all of the same information as per the rules of the contract. Therefore there has been a breach of contract. Making all contracts Null and Void. Due to the fact there was no meeting of the minds to the contract prior to the signing of the contract, and that the rules of the contract were deceptive in nature and was designed to benefit one party over the other i.e. to the benefit of the Bank who constructed the contract, this is FRAUD by the misrepresentation of a material fact. Through the rules that dictate contract law, and through the Statute of Frauds, there must be a meeting of the minds of the rules governing the contract or the contract is to be deemed null and void. FOR ALL THE ABOVE REASONS, THE attempted FORECLOSURE ACTION BY XXXX XXXX, Clear Recon Corp and Aldridge Pite LLP IS WRONGFUL ILLEGAL, HARMFUL AND NULL AND VOID. IT MUST BE TERMINATED IMMEDIATELY AND NOTICE OF DEFAULT RESCINDED. A FULL SATISFACTION OF MORTGAGE AND RECONVEYANCE OF THE DEED MUST BE RECORDED IN XXXX XXXX XXXX WHERE THE PROPERTY IS LOCATED. SHOULD THEY CONTINUE WITH THE WRONGFUL AND ILLEGAL FORECLOSURE, THEY WILL BE INVOICED TRIPLE THE AMOUNT THEY ARE FORECLOSING ON IN DAMAGES. I WOULD LIKE TO REQUEST CFPB Consumer Financial Protection Bureau TO INVESTIGATE THE FRAUD THAT IS BEING PURPORTED ON CONSUMERS UNDER THE GUISE OF A MORTGAGE AND TAKE APPROPRIATE ACTIONS TO PROTECT THE UNINFORMED CONSUMERS. Thank you for your immediate help and investigation in this matter to protect me and others against all these violations as a federally protected consumer.
08/25/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NV 89149	Web
The debt was discharged by order rule of law. XXXX. False or misleading representations A debt collector may not use any false, deceptive, or mis- leading representation or means in connection with the col- lection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 808. Unfair practices A debt collector may not use unfair or unconscionable means too collect or attempt to collect any debt. Without limit- ing the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 15 USC 1692g 808 15 USC 1692f 11 809 15 USC 1692g verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; 813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) ... 814. Administrative enforcement ( a ) Federal Trade Commission The Federal Trade Commission shall be authorized to enforce compliance with this subchapter, except to the extent that enforcement of the requirements imposed under this subchapter is specifically committed to another Government agency under any of paragraphs ( 1 ) through ( 5 ) of subsection ( b ), subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ]. 816. Relation to State laws - This subchapter does not annul, alter, or affect, or exempt any person subject to the provisions of this subchapter from complying with the laws of any State with respect to debt collection practices, except to the extent that those laws are inconsistent with any provision of this subchapter, and then only to the extent of the inconsistency. For purposes of this section, a State law is not inconsistent with this subchapter if the protection such law affords any consumer is greater than the protection provided by this subchapter. DISCHARGE - Discharge of a contract by operation of law means that a contract is terminated due to the operation of law, without any specific act or agreement by the parties involved. In other words, the contract is discharged automatically, without any intervention from the parties. Impossibility of Performance - Impossibility of performance occurs when the subject matter of the contract becomes impossible to perform. When the performance of the contract becomes impossible due to the occurrence of an event which is beyond the control of the parties, the contract is discharged by operation of law. This is known as the doctrine of frustration. As such the tender of payment was issued by offer and denied. The impossible of performance became a major issues when different lenders claimed to be the original lender of or on the property XX/XX/XXXX. Section 56 of the Indian Contract Act, 1872, deals with the doctrine of frustration. It provides that a contract to do an act that becomes impossible or unlawful after the contract is made becomes void when the act becomes impossible or unlawful. For example, if XXXX XXXX XXXX XXXX XXXX enters into a contract with XXXX XXXX XXXX XXXX, to deliver a loan and funds or money or product, for transfer of property for purchase but the product money or loan is either not presented or have been lost in tansition or transaction without verification or validation of the funds came from or destroyed due to a natural disaster, then the contract is frustrated, and both parties are discharged from their obligations under the contract. Alteration of Contract - A contract can also be discharged by operation of law when the terms of the contract are altered without the consent of all the parties involved. This is known as the 3 of 13 doctrine of novation. Section 62 of the Indian Contract Act, 1872, deals with the doctrine of novation. It provides that a contract is discharged by novation when a new contract is substituted for the old contract, with the consent of all the parties involved. For example, if A enters into a contract with B to deliver a specific product, and B later agrees to accept a different product without the consent of A, then the contract is discharged by operation of law. What is meant by this example is simple they XXXX XXXX and others began altering the document called Mortgage Assignment and Deed of Trust filed in the County of XXXX adding signatures and transferring the property without the knowledge or consent of the owners. They also added a signature of a XXXX XXXX leaving out the middle name to a newly created document filed and stamped XX/XX/XXXX. The Mortgage Assignment was challenged, the Jurisdiction of the XXXX XXXX XXXX. XXXX was challenged, the evidence and proof of where the funds, money and or loan comes from challenged without any response and the eviction writ of restitution was carried out without legal notice, lawful notice, service to the correct party, the woman listed in the caption heading for the case no XXXX is in the XXXXXXXX XXXX and does not live dwell nor own the property located at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX NV [ XXXX ] Parcel No XXXX for XXXX as this property is secured by XXXX XXXX XXXX XXXX field with the Attorney General XXXX XXXX XXXX the secretary of state XXXX XXXX XXXX XXXX, getnotice.com and other online public records notices as well all parties herein received a copy and signed the XXXX RETURN PROOF OF SERVICE FORM XXXX. This is why they created the XXXX XXXX XXXX XXXX XXXX and filed it in the Justice Court on XX/XX/XXXX and the home owners had no idea of these transaction and movements. Cc the Exhibits and attachments as to multiple lenders with different dates of origination of the alleged loan. We warned all parties of the possible fraud in XX/XX/XXXX well before the actual fraud took place XXXX years later in XX/XX/XXXX. Cc XXXX XXXX [ XXXX ] and XXXX XXXX [ b ]. On XX/XX/XXXX XXXX XXXX XXXX XXXX stated that they too spoke with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX concerning a private security contract between XXXX XXXX XXXX XXXX beneficiary XXXX XXXX XXXX XXXX and trustee XXXX XXXX XXXX XXXX XXXX. This is a breach of contract as to add outside parties to the privy information therein the agreement after the debt has been discharged by order of law. NEVADA XXXX - XXXX by jury ; waiver in civil cases.The right of trial by Jury shall be secured to all and remain inviolate forever ; but a Jury trial may be waived by the parties in all civil cases in the manner to be prescribed by law ; and in civil cases, if three fourths of the Jurors agree upon a verdict it shall stand and have the same force and effect as a verdict by the whole Jury, Provided, the Legislature by a law passed by a two thirds vote of all the members elected to each branch thereof may require a unanimous verdict notwithstanding this Provision. Sec:4. Liberty of conscience. The free exercise and enjoyment of religious profession and worship without discrimination or preference shall forever be allowed in this State, and no person shall be rendered incompetent to be a witness on account of his opinions on matters of his religious belief, but the liberty of conscience [ conscience ] hereby secured, shall not be so construed, as to excuse acts of licentiousness or justify practices inconsistent with the peace, or safety of this State. Sec:5. Suspension of habeas corpus. The privilege of the writ of Habeas Corpus, shall not be suspended unless when in cases of rebellion or invasion the public safety may require its suspension. Sec.8. Rights of accused in criminal prosecutions ; jeopardy ; due process of law ; eminent domain. 2. No person shall be deprived of life, liberty, or property, without due process of law. 3. Private property shall not be taken for public use without just compensation having been first made, or secured, except in cases of war, riot, fire, or great public peril, in which case compensation shall be afterward made.TITLE THEFT - Home title theft is a type of real estate fraud where someone uses a homeowners personal information to forge a deed and steal their home. The thief may apply for a home equity loan or line of credit in the homeowners name and then fail to make payments exposing the owner to foreclosure and credit damage. In the case of unoccupied homes, like secondary residences, the fraudster might sell the house without the owners knowledge or rent out the property without permission. Criminals commit home title theft in a few different ways, but the most common avenues are phishing schemes, malware, data breaches, unsecured Wi-Fi networks and mail theft. Theft can also occur if a homeowner loses sensitive documents like their deed or a mortgage statement. Heres how home title theft typically happens : Phishin. Phishing occurs when a criminal pretends to be a legitimate company or individual to get a homeowners personal information. They may do this by sending an email or letter that looks like its from a bank or government agency or by calling the homeowner and pretending to be someone theyre not.Malware - Malware is a kind of software that criminals can use to access a homeowners personal information. They may install it on the homeowners computer without their knowledge or trick them into downloading it by posing as a legitimate website or program. Data Breaches - Data breaches occur when criminals access a companys or organizations personal information database. Once they have the information, they may sell it on the XXXX market or use it themselves to commit home title fraud. XXXX IRS and XXXX data breeches. Unsecured Wi-Fi Networks - If a homeowner has an unsecured Wi-Fi network, criminals may be able to access their personal information if theyre close enough to the router. They can then use this information to commit fraud or steal the homeowners identity. Likewise, homeowners who access the Internet using unsecured public Wi-Fi are at higher risk for home title theft. Mail Theft - Home title theft can also occur through mail theft when thieves steal mail from a homeowners mailbox to obtain their personal information. Once they have personal information like birth dates and Social Security numbers, they can use it to commit fraud. Homeowners can combat this by regularly checking their mailboxes and shredding mail that includes sensitive information. Loss - Losing important documents and allowing personal information to fall into the wrong hands can lead to home title theft. If a deed or mortgage statement falls into the wrong hands, criminals can use the information to perpetrate home title theft. To the ignorant please note that the XXXX XXXX XXXX XXXX XXXX XXXX is very real and lawful please Cc your copies of the American Declarations on the Rights of Indigenous peoples and Cc the section article covering XXXX XXXX XXXX.
08/08/2017	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA XXXXX	Web
Reference the following cases for details of what is going on : Case # XXXX dated XX/XX/XXXX Case # XXXX dated XX/XX/XXXX Case # XXXX dated XX/XX/XXXX. We are a bit confused and want Aldridge Pite , LLP. to clear up this question : Is Aldridge Pite, LLP., a Law Firm, or Debt Collector for any of the following entities : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX , not in it 's individual Capacity, but solely as " TRUSTEE '' for the RMAC Trust, Series XXXX?? If so, which one ( s ) do you represent, or contract with? In XXXX XXXX, attorneys for the Aldridge Pite, LLP., " Law Firm '' filed an OBJECTION TO CONFIRMATION OF CHAPTER XXXX PLAN in my Federal bankruptcy case on XX/XX/XXXX. The attorney for Aldridge Pite , LLP. executed and filed this document under REPRESENTATION of XXXX XXXX as " Trustee '' of the RMAC Trust, Series XXXX. Then, again on XX/XX/XXXX, attorneys for the Aldridge Pite , LLP. " Law Firm '' filed a FRAUDULENT CREDITOR 'S PROOF OF CLAIM in my Federal Chapter XXXX Bankruptcy case, again, as the Law firm attorneys REPRESENTING XXXX XXXX XXXX XXXX, not in it 's individual capacity but solely as " TRUSTEE '' for the RMAC Trust, Series XXXX. Since XXXX XXXX XXXX XXXX XXXX, not in it 's individual capacity but solely as " TRUSTEE '' for the XXXX XXXX, XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX. ( current " SERVICER '' ), or XXXX XXXX, or XXXX XXXX DO NOT LEGALLY OWN MY LOAN, THIS IS FRAUD UPON A FEDERAL COURT! The first week of XX/XX/XXXX I wrote to Aldridge Pite 's attorneys involved in my bankruptcy case, and I SPECIFICALLY asked for documents related to my pooling and servicing agreement for that " RMAC Trust, Series XXXX '', and all pertaining mortgage file accounting paperwork, in regards to that trust, and my home loan. The funny this was that Aldridge Pite LLP., wrote me back on XX/XX/XXXX. They claimed that they have NO INFORMATION REGARDING THIS TRUST, NOR OUR LOAN OR PROPERTY ADDRESS!!! SO, my question to Aldrige Pite LLP., is this : Who are You?? Who do you REPRESENT??? Your website states that you represent " Lenders, Loan Servicers and Investors '' ... .so WHICH XXXX DO YOU REPRESENT IN MY BANKRUPTCY CASE- BE SPECIFIC?!! Your attorney already executed the document as an attorney for XXXX XXXX XXXX XXXX, not in it 's individual capacity, but solely as " TRUSTEE '' for the RMAC TRUST, Series XXXX! So which is it?? First, are you a " Law Firm '', or are you a " Debt Collector ''? Do you have a CURRENT LICENSE to practice either or both in California? What client did you represent in my Federal Bankruptcy case? If it was XXXX XXXX XXXX XXXX, for the RMAC Trust, Series XXXX - then WHY do you NOT have any documents related to that trust, and my loan?? If you work for the loan Servicer, XXXX XXXX XXXX XXXX XXXX, WHY did you file a Creditor 's Proof of Claim as attorney for the XXXX XXXX XXXX . as " trustee '' for the RMAC Trust, Series XXXX?? If you truely represent XXXX XXXX, XXXX XXXX, or the investors in my Federal Bankruptcy case, why did you NOT DISCLOSE THIS, AND GIVE ME THE DOCUMENTS I REQUESTED, ... and you MUST LEGALLY COMPLY WITH?? WHO ARE YOU?? WHAT IS IT " YOUR BUSINESS '' to inject yourself in my Federal Bankruptcy Case?? You better produce answers quick, as you have committed A FEDERAL CRIME UNDER THE FALSE CLAIMS ACT : 851. False Claims18 U.S.C. 152 ( 4 ) Subsection ( 4 ) of Section 152 sets out the offense of filing a false bankruptcy claim. A " claim '' is a document filed in a bankruptcy proceeding by a creditor of the debtor. It is sometimes also called a " proof of claim. '' For the purposes of this section the nature of the claim is immaterial -- i.e., the claim can be secured or unsecured, liquidated or unliquidated, disputed or undisputed. A " false '' claim is one that is known by the creditor to be factually untrue at the time the claim is filed. Subsection ( 4 ) provides : A person who ... knowingly and fraudulently presents any false claim for proof against the estate of a debtor, or uses any such claim in any case under title 11, in a personal capacity or as or through an agent, proxy, or attorney ; ... shall be fined ..., imprisoned ..., or both. The elements of a false claim violation are : that bankruptcy proceedings had been commenced ; that defendant presented or caused to be presented a proof of claim in the bankruptcy ; that the proof of claim was false as to a material matter ; and that the defendant knew the proof of claim was false and acted knowingly and fraudulently. United States v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Cir. ), cert. denied, XXXX XXXX XXXX ( XX/XX/XXXX ). A claim can be asserted by a creditor whether or not it is reduced to judgment, whether the claim is liquidated, unliquidated, fixed, contingent, mature, unmatured, disputed, undisputed, legal, equitable, secured or unsecured. United States v. XXXX, XXXX XXXX XXXX, XXXX ( XX/XX/XXXX denied ) ( XXXX Cir. XX/XX/XXXX ), appeal after remand XXXX XXXX XXXX ( XX/XX/XXXX ). Since the falsity of a claim, in most cases, is obvious, the key issue frequently becomes what was the defendant 's state of mind at the time of the filing of the claim. Good faith is a complete defense to this charge. The filing of a false claim is not a crime where there was a good faith belief in its accuracy. United States v. XXXX, XXXX XXXX XXXX, XXXX ( reh'g denied ) ( XXXX Cir. XX/XX/XXXX ), appeal after remand XXXX XXXX XXXX ( XX/XX/XXXX ). A proof of claim is not false merely because it may be inaccurate or erroneous in any or all respects. The claim may be asserted by a creditor in good faith even though the moneys being sought are thereafter successfully disputed by the debtor or disallowed by the Bankruptcy Court. Instead, a proof of claim is false if the statements contained therein are intentionally inaccurate and submitted without any good faith basis for the claim and are not the result of some mistake or clerical error or inadvertent omission. United States v. XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. ), cert. denied, XXXX XXXX XXXX ( XX/XX/XXXX ), appeal after remand, XXXX XXXX XXXX XXXX XXXX Cir. XXXX ), cert. denied, XXXX XXXX XXXX ( XX/XX/XXXX ) ( quoting above instruction with approval ). [ cited in XXXX XXXX ] ANSWER THE FOLLOWING QUESTIONS TRUTHFULLY AND COMPLETELY, AND DO NOT " PRETEND '' THAT YOU DO NOT KNOW THE ANSWER, OR THAT YOU HAVE NO INFORMATION ON THE SUBJECT MATTER : XX/XX/XXXX 2nd Modified Demand for Information on my Proof of Claim in Chapter XXXX Bankruptcy Court ( Case # XXXX ) United States Bankruptcy Court : XXXX District of California : XXXX XXXX Division RE : OBJECTION TO PROOF OF CONFIRMATION OF CHAPTER XXXX PLAN Dear XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX ( XXXX XXXX ) and XXXX XXXX XXXX ( XXXX XXXX ), and the Aldridge Pite LLP. , located at XXXX XXXX XXXX , XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA. XXXX, I am in receipt of your answered correspondence dated XX/XX/XXXX. We demand to know WHOM you work for, in relation to your representation as " attorneys for XXXX XXXX XXXX XXXX, not in it 's individual capacity but solely as trustee for the RMAC Trust, Series XXXX., in the XX/XX/XXXX OBJECTION TO CONFIRMATION OF CHAPTER XXXX PLAN, which was prepared and filed by XXXX XXXX XXXX @ Aldridge Pite LLP., in my Federal Chapter XXXX bankruptcy case ( # XXXX ), In your XX/XX/XXXX answer, in writing, to us, ... you stated that you were " unable '' to produce any documentation, including, but not limited to, the Pooling and Servicing Agreement, for the RMAC Trust, Series XXXX. You stated that our address of XXXX XXXX XXXX XXXX, CA. XXXX, the address on our loan, and our loan number was " unfamiliar to you, and that we were NOT in your system '', therefore you were UNABLE to give us the information that we requested, and is our right to inspect. If you filed an OBJECTION TO CONFIRMATION OF CHAPTER XXXX PLAN in my Chapter XXXX bankruptcy case on XX/XX/XXXX, WHY then, would you have NO INFORMATION regarding this trust you state you are representing? ( RMAC Trust, Series XXXX )?? You state in this document that you are attorneys REPRESENTING the XXXX XXXX XXXX XXXX not in it 's individual capacity, but solely as trustee for the RMAC Trust, Series XXXX : IS THIS IN FACT WHOM YOU REPRESENT? If you do in fact legally " REPRESENT '' XXXX XXXX XXXX XXXX not in it 's individual capacity but solely as trustee for the RMAC Trust, Series XXXX as their attorney, or in any other capacity, or agency, WHY would you NOT have any records relating to my loan ( XXXX ) and /or Property located at XXXX XXXX XXXX XXXX , CA. XXXX. Did XXXX XXXX XXXX execute or prepare, or any agent or representative of XXXX XXXX XXXX execute or prepare the XX/XX/XXXX OBJECTION TO CONFIRMATION OF XXXX XXXX PLAN in the XXXX XXXX XXXX XXXX case # XXXX for debtor XXXX XXXX? If XXXX XXXX XXXX did NOT execute/prepare/file this document from Aldridge Pite LLP, who did? Does Aldridge Pite LLP., DENY that they have a client that they " REPRESENT '', either as an attorney or attorneys, or in any debt collection capacity by the name of XXXX XXXX XXXX XXXX not in it 's individual capacity but solely as trustee for the RMAC Trust, Series XXXX OR XXXX XXXX XXXX XXXX XXXX .? Is XXXX XXXX XXXX XXXX XXXX., a client of Aldridge Pite LLP , and did they request an execution/filing of an OBJECTION TO CONFIRMATION OF CHAPTER XXXX PLAN in my XXXX XXXX Bankruptcy case in XXXX XXXX , CA. CASE # XXXX XXXX XXXX on XX/XX/XXXX? Is Aldridge Pite LLP. a " DEBT COLLECTOR '' for either XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. , XXXX XXXX , XXXX XXXX XXXX XXXX not in it 's individual capacity but soley as trustee for the RMAC Trust, Series XXXX? Is XXXX XXXX XXXX XXXX XXXX., a client of Aldridge Pite LLP. in relation to Loan # XXXX? Under what AUTHORITY does XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX interest themselves, and inject themselves, as " agents/attorneys '' for Aldridge Pite , LLP, in my Federal Bankruptcy Case ( XXXX XXXX CASE # XXXX )? What business do they have filing documents in my Chapter XXXX Bankruptcy Case ( CASE # XXXX )? Under what authority, and for WHOM do they file FRAUDULENT DOCUMENTS in my FEDERAL Bankruptcy Case # XXXX United States Bankruptcy Court : XXXX District of California-XXXX XXXX Division. Does Aldridge Pite LLP., work in ANY CAPACITY, for investors of the XXXX Asset Backed Ceritificates Trust, XXXX XXXX? Is Aldridge Pite LLP., or ANY of it 's agents or atttorneys filing FRAUDULENT DOCUMENTS in my California Chapter XXXX Case # XXXX for any INVESTOR, or Financial Firm? Are you " REPRESENTING, OR COLLECTING '' for the XXXX XXXX XXXX XXXX int in it 's individual capacity but solely as trustee for the RMAC Trust, Series XXXX, AND/OR for investors or financial firms for the XXXX ASSET BACKED CERTIFICATES TRUST, SERIES XXXX. Is Aldridge Pite LLP., or any of it 's agents/attorneys/debt collectors working on behalf of XXXX XXXX , ( The XXXX XXXX XXXX XXXX XXXX )? Why has XXXX XXXX XXXX XXXX, not in its individual Capacity but solely as trustee for the RMAC Trust, Series XXXX filed FRAUDULENT Corporate Assignment of Deed of Trust on XX/XX/XXXX in the XXXX XXXX County Recorders Office, claiming that they are the owner and trustee of my loan secured by my property at XXXX XXXX XXXX, CA. XXXX?? Why did XXXX XXXX AND their attorney / debt collection firm, Aldridge Pite LLP, file a FRAUDULENT PROOF OF CLAIM on XX/XX/XXXX ( which is a FEDERAL CRIME- FALSE CLAIMS ) in my Chapter XXXX Bankruptcy Case in XXXX XXXX , CA.? Why is XXXX XXXX for the RMAC Trust, Series XXXX FALSELY CLAIMING to be OWNER and HOLDER of my note, secured by my property at XXXX XXXX XXXX, CA. XXXX, if, as you claim, they have NOTHING to do with my home loan, or property? And WHY are your attorneys/debt collectors, Aldridge Pite LLP filing the Proof of Claim, as YOUR representatives, in my bankruptcy case? WHO ARE YOU, AND WHAT ARE YOU CLAIMING YOU ARE OWED?? PLEASE RESPOND WITHIN FIVE BUSINESS DAYS OF THIS DEMAND FOR INFORMATION. SINCERELY, XXXX XXXX
10/12/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 95677	Web
I have received a loan modification packet from XXXX XXXX XXXX XXXX and have submitted all documentation they have requested to them fax. Im in review but my foreclosure sale date is still showing online as active on XX/XX/XXXX. Im scared and do not know what to expect from the company. Im working with them but do not know if they are willing to do the same and follow the California Homeowners Bill of Rights Act. As part of this bailout, on XX/XX/XXXX, the United States Government took over Fannie Mae and pumped billions, which in XX/XX/XXXX, then Treasury Secretary XXXX XXXX said as much as {$200.00} billion would be pumped into XXXX XXXX and XXXX XXXX, each, which was separate from the {$700.00} in TARP funds given out to other lenders. 1. The guidelines issued by the United States Treasury set forth a detailed process whereby a participating servicer, either action or not acting through its subsidiary, must : a. identify loans that are subject to modification under the HAMP program, both through its own review and in response to requests for modification from individual homeowners ; b. collect financial and other personal information from the homeowners to evaluate whether the homeowner is eligible for a loan modification under HAMP ; c. institute a modified loan with a reduced payment amount as per a mandated formula, that is effective for a three-month trial period for borrowers that are eligible for a modification ; and d. provide a permanently modified loan to those homeowners who comply with the requirements during the trial period. Whether the homeowner qualifies for a modification or not, participating servicers are also required to provide written notices to every mortgage borrower that has been evaluated for a loan modification, whether or not the borrower has been found eligible. HAMP and its associated directives also set prohibitions against certain conduct including demanding upfront payments in order to be evaluated for a loan modification, instituting or continuing foreclosures while a borrower is being evaluated for a loan modification, assigning a single point of contact, maintaining an adequate level communication with borrowers, maintaining proper caseload to ensure HAMP objections are met, and restrictions on the way a servicer may report the borrower to credit reporting agencies. All servicers have systematically failed to comply with the terms of the HAMP directives and has regularly and repeatedly violated several of its prohibitions. Now that HAMP is over and expired due to servicers prolonging these modifications they are now proceeding with other alternatives. Under HAMP, the federal government incentivizes participating servicers to make adjustments to existing mortgage obligations in order to make the monthly payments more affordable. Servicers receive at least {$1000.00} for each HAMP modification. However, this incentive is countered by a number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this incentive is countered by a number of financial factors that make it more profitable for a mortgage servicer such as XXXX XXXX XXXX XXXX, XXXX to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. XXXX XXXX XXXX XXXX, XXXX and all other previous servicers and their Investors conduct was unlawful in that : They illegally began and prosecuted the non-judicial foreclosure based on the lien to the 1st Deed of Trust, despite i was not in breach of payments on said lien ; They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the public because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications ; They failed to properly consider loan modification applications before trying to sell my home. 1. On information and belief, XXXX XXXX XXXX XXXX, XXXX does not own a significant majority of the loans on which it functions as servicer. 2. Economic Factors that discourage XXXX XXXX XXXX XXXX, XXXX from meeting its obligations under HAMP by facilitating loan modifications include the following : a. XXXX XXXX XXXX XXXX, XXXX may be required to repurchase loans from the investor in order to permanently modify the loan. This presents a substantial cost and loss of revenue that can be avoided by keeping the loan in a state of temporary modification or lingering default. b. The monthly service fee that XXXX XXXX XXXX XXXX, XXXX, as the servicer, collects as to each loan it services in a pool of loans, is calculated as a fixed percentage of the unpaid principal balance of the loans in the pool. Consequently, the modifying of a loan to reduce the principal balance results in a lower monthly fee to the servicer. c. Fees that XXXX XXXX XXXX XXXX, XXXX charges borrowers that are in default constitute a significant source of revenue to it. Aside from income XXXX XXXX XXXX XXXX, XXXX directly receives, late fees and process management fees are often added to the principal loan amount thereby increasing the unpaid balance in a pool of loans and increasing the amount of the servicers monthly service fee. d. Entering into a permanent modification will often delay a servicers ability to recover advances it is required to make to investors of the unpaid principal and interest payment of a non-performing loan. The servicers right to recover expenses from an investor in a loan modification, rather than a foreclosure, is often less clear and less generous. e. Fixed overhead costs involved in successfully performing loan modifications involve up-front costs to the servicer for additional staffing, physical infrastructure, and expenses such as property valuation, credit reports and financing costs. 3. Rather than allocating adequate resources and working diligently to reduce the number of loans in danger of default by establishing permanent modifications, XXXX XXXX XXXX XXXX, XXXX has serially strung out, delayed, and otherwise hindered the modification processes that it contractually undertook to facilitate when it accepted billions of dollars from the United States. XXXX XXXX XXXX XXXX, XXXX delay and obstruction tactics have taken various forms with the common result that my loan serviced by XXXX XXXX XXXX XXXX XXXX XXXX, in which im eligible for permanent loan modifications, and have met the requirements for participation in HAMP, have not received permanent loan modifications to which iam entitled. 4. By failing to comply with the California Homeowner Bill of Rights ; specifically, by engaging in the unlawful practice of Dual Tracking, XXXX XXXX XXXX XXXX, XXXX has left me in a state of despair and panic as I seek a loan modification from XXXX XXXX XXXX XXXX, XXXX, only to have my home wrongfully, oppressively and illegally sold out from under my feet. Here is some information from previous servicers and what has happened. I received a loan modification package from XXXX XXXX with a proposal trial period payment for 3 months in the amount of {$3600.00} which is around {$1700.00} over the amount i used to pay before to XXXX XXXX XXXX. My payment was {$1900.00}. How can i afford to pay more then what i couldn't pay before in the first place? I have spoken to a lot of my close friends who were in the same situation as me and around the same loan amount and property size, they have received a very good loan modification of around {$980.00} a month, another friend received a loan modification in the amount of {$660.00} a month. How can this be that they are receiving loan modifications to help them stay and pay for their home while i can not even get a close amount to my old payment of {$1900.00}? Please help me as this is getting out of hand and Im worried for my family and losing my home to this banking scam. It seems to me that they are just transferring loans to get away from giving out a loan modification. I have sent XXXX XXXX XXXX XXXX my full Request for Mortgage Assistance package and they have received it with no error. I called them asking if there is anything else needed and what the status was, XXXX representative replied that they do not need anything else and that the loan modification is under review. But while in review I still show that the sale is scheduled and coming up on XX/XX/XXXX.
07/14/2017	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA XXXXX	Web	Older American
Alridge Pite LLP is acting on behalf of XXXX XXXX XXXX XXXX. in collusion with XXXX XXXX XXXX XXXX XXXX ( hereafter XXXX ) is using an illegal assumed name to taking non-judicial foreclosure action and has served and published a foreclosure/ Sales Under Power Notice under the illegally name. ( See EXHIBIT A for notice of sale scheduled for XX/XX/XXXX ). However, XXXX HAS RESPONDED ON XX/XX/XXXX TO THE CFPB and informed them that THE ACCOUNT WITH Loan # XXXX DOES NOT BELONG TO THEM. See EXHIBIT-M, a screenshot of XXXX XXXX response to the CFPB, an Administrative tribunal. 2. Alridge Pite LLP has made the representation or implication that nonpayment of an alleged debt will result in the seizure, or sale of my property. The threat to take the action stated above can not legally be taken, and is strictly prohibited by 15 U.S. Code 1692e ( 4 ) ( 5 ) when there is no secured interest involved. 3. Whereas, Alridge Pite LLP, in an effort to unlawfully collect an alleged debt that is based upon an account that is time barred, rescinded, charge-off and closed, Alridge Pite LLP has served and published an illegal SALES UNDER POWER foreclosure notice that does not comply with O.C.G.A 9-11-65, or O.C.G.A. 9-13-140 ( a ), and is unlawful under 15 U.S. Code 1692e ( 4 ) ( 5 ) 4. Alridge Pite LLP, in a recently served Sale Under Power publication is using a different name for the SECURED CREDITOR than previously used by the last known purported assignment shows. 5. The name recorded, and appearing on the last known Purported ASSIGNMENT and all other recorded affidavits, including previously published SALE UNDER POWER notices used the following name listed below in paragraph 5 ( a ), also see validation of previous name at EXHIBIT-B ( a ) '' XXXX XXXX XXXX XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX XXXX, As Trustee For The Certificateholders XXXX XXXX, Asset-Backed Certificates, Series 2004-7 '' 6. However, Alridge Pite LLP have published and served the new SALE UNDER POWER notices shown in Exhibit-A, using a different SECURED CREDITOR name. The new name is not in fact stated on the last known assignment as required by the UCC and Georgia Statute. The name now used is stated verbatim in paragraph 6 ( b ) below, also see validation of substituted name at EXHIBIT-A ( b ) " XXXX XXXX XXXX XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX XXXX, As Trustee For XXXX XXXX, Asset-Backed Certificates, Series 2004-7 ''. 7. Note that Alridge Pite LLP did not use the descriptive portion of its legally registered fictitious name that identifies the SECURD CREDITOR as the trustee " For the Certificateholders ''. Alridge Pite LLP intentionally omitting and disguised its required legal fictitious name as it is mandatory by the SEC and the PSA, O.C.G.A. 16-10-20, O.C.G.A. 44-2-46. 8. The new creditor name that is recorded and published in the present SALE UNDER POWER notices is intentional concealment, and misrepresentation of a material fact under, a violation of 15 U.S. Code 1692e ( 4 ) ( 5 ). 9. Alridge Pite LLP, SPS Inc., XXXX, And XXXX exclusively use the legal fictitious name as stated in paragraph 5 ( a ) above for all non-judicial foreclosures actions where asset is alleged to be in a truss. See " verbatim names '' in EXHIBIT-B which is the only assignment ever made, a XXXX and XXXX Notice of Sale Under Power publication. Also see EXHIBIT-D, Alridge Pite LLP sworn affidavit recorded in XXXX County Property records which shows the legal descriptive fictitious name asserted as true under the statutory requirement of the State of Georgia, New York and the SEC. 10. The exact name of the purported secured creditor must be used as it appears on the face of the relevant ASSIGNMENT. A secured party 's name can not under Georgia law, be substituted, modified or omitted from non-judicial sales under power notices and publications without prior legal notice. 11. In the state of Georgia only a SECURED CREDITOR may advertise and conduct a non-judicial foreclosure. The party listed on the Sales Under Power notice is not the " real party in interest ''. because the assigment says it is not. 12. Alridge Pite LLP on behalf of XXXX can not truthfully assert that it is the " Trustee for the certificateholder '' as it relates to this specific asset that is supposed to be in a truss without misrepresenting a material fact to this Tribunal. 13. before case # XXXX was closed XXXX, in a written brief in court exposed the illegal manipulation and modification of the legal name of the purported secured creditor where the plaintiff, XXXX declares its name to be as stated in paragraph 6 ( b ) above which is not what it says on the last Assignment. See EXHIBIT-E at pg.1,2,3. also see where the foundation was laid to insert the modified version of its name. See EXHIBIT-L. 14. Whereas, XXXX does not have a secured claim in our property for the following reasons 15. Whereas, XXXX HAS RESPONDED ON XX/XX/XXXX TO THE CFPB and informed them that THE ACCOUNT WITH Loan # XXXX DOES NOT BELONG TO THEM. See EXHIBIT-M, a screenshot of XXXX XXXX response to the CFPB, an Administrative tribunal. ( a ) The Transaction was rescinded onXX/XX/XXXX and XXXX XXXX XXXX and its predecessors and successors failed to comply or dispute the TILA rescission within 20 days. Thus, a final judgment was entered by automatic operation of law. See EXHIBIT-F, and ( b ) Loan # XXXX is void from inception because " Where an agent without authority to execute a sealed instrument signs a contract under seal for his principal, the later is not bound unless ratification thereof be also under seal ''. there was no ratification ever made -- See EXHIBIT-G, signatures of unauthorized agent on " security deed '' and " waver of borrowers rights ''. See XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ). ( PLEASE BE advised that the security deed remains in its original full force and effect from its inception, i.e. " IT REMAINS A NULLITY '' ) with no secured interest having been awarded obtained or granted by anyone at any time : and ( c ) The loan was charge-off and closed as of XX/XX/XXXX, see EXHIBIT-H, and ( d ) the collection rights to the dead debt was sold to SPS Inc. the purported loan # XXXX was illegally re-aged in XXXX long after the charge-off and loan closure had occurred, see EXHIBIT-K. ( e ) We have reason to believe that there are ethical conflicts of interest in Alridge Pite LLP Georgia Foreclosure division and other areas of law it operates under. see EXHIBIT-D illegal affidavits specifically filed in XXXX county property records on unsecured property to facilitate a non-judicial foreclosure.
11/24/2017	Yes	Debt collection Mortgage debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 30349	Web	Older American
This Complaint is filed because XXXX XXXX XXXX. Is attempting a non-judicial foreclosure on a security deed that is not ATTESTED per Georgia Statute, thus a nullity. the security deed is not a valid instrument and does provide an interest in my property and is not actionable in that it is time barred as well, and if allowed to continue will materially violate federal consumer financial law, and cause direct harm to us as consumers. the scale is schedule to take place XXXX XXXX, XXXX. 1. We believe that supervisory or enforcement actions must be taken to prevent the violations of O.C.G.A 44-5-30 and O.C.G.A. 44-2-15. There is no recorded instrument perfecting an interest in our property because two statutory requirement was never satisfied by the loan originator. The deed contract by law is a nullity. 2. XXXX XXXX XXXX., in its foreclosure notice schedule for XXXX/XXXX/XXXX never recited the FDCPA MIRANDI as specified in the Act. Furthermore, XXXX XXXX XXXX., failed to ever recite the Initial FULL MIRNDA that is required by in the collectors initial contact. see EXHIBIT-2A 3 XXXX XXXX XXXX, failed to comply with the requirements the FDCPA where it failed to inform us that of our right to dispute the collection notice with the alleged lender. see EXHIBIT-2A 4 XXXX XXXX XXXX., while operating under color of law, is attempting to unlawfully files or causes to be filed with the official registrar of deeds of XXXX County state Georgia XXXX document XXXX XXXX XXXX. knows to contain a deliberate misstatement. misrepresentation, or omission, in violation of O.C.G.A. 16-8-102 Residential mortgage fraud statute. 5 Whereas, It is unlawful for any person, through a pattern of racketeering activity or proceeds derived there from, to acquire or maintain, directly or indirectly, any interest in or control of any enterprise, real property, or personal property of any nature, including money. See ( O.C.GA. 16-14-4. Racketeering, Prohibited activities. ), XXXX XXXX XXXX and SPS Inc. has a duty imposed by law to reframe from the criminal and civil violations of the laws cited below. 6 On XXXX XXXX, XXXX, a non-judicial Foreclosure is scheduled to take place conducted by XXXX XXXX XXXX. which is in violation of Georgia criminal law and consumer financial laws that are enforced by the CFPB. 7 Be advised that the security deed at EXHIBIT-1A at page 16 was never attested or acknowledged as called for by statute. Whereas, It was never indexes by Georgia XXXX Court Clerks ' XXXX XXXX, and by law, a deed that is not properly attested or acknowledged is ineligible for recording, and may be rejected by the clerk of the court, or, even if recorded, will not serve as constructive notice. XXXX v. XXXX, 157 Ga. 823, 122 S.E. 694 ( 1924 ). also see XXXX XXXX XXXX XXXX, XXXX XXXX. S10Q1564. Decided : XXXX XXXX, XXXX. 8 Georgia deeds executed prior to XXXX XXXX XXXX had two statutes regarding deed execution that must be taken together to ensure the documents are entitled to recording. O.C.G.A 44-5-30 requires 2 attesting witnesses for the signature. That means two witnesses that actually see the signor execute the document. O.C.G.A. 44-2-15 requires that one official witness ( usually a Notary ) attest to the document. The Notary can act as your 2nd attesting witness in addition to acting as your official witness. By its own wording, an acknowledgment states that the signor merely acknowledged that the document was signed, but does not have the necessary language for the notary to act as the 2nd attesting witness. consequently the security deed shown in EXHIBIT-1A at page 16, clearly shows the signature page of the security deed was not executed and is not executed in compliance with O.C.G.A 44-5-30 and O.C.G.A. 44-2-15. 9 An acknowledgment by a notary public does not obviate the necessity of attestation by two witnesses, whether the instrument is signed in Georgia or in another jurisdiction. Further, Georgia has no Savings Statute, and therefore, a defectively executed document provides neither constructive nor inquiry notice to a bona fide purchaser. There are two fairly recent Georgia 10.1 10. Supreme Court opinions that illustrate cases where a bankruptcy trustee was allowed to avoid defectively executed security deeds despite actual notice. 11. Please note that according to Exhibit-1A, which is a 20 year title Search report, the current deed is the warranty deed, and no other deed is recognized as a security instrument in the chain of title. Furthermore, the federal one year TILA/Reg. Z rescission statute of limitation to recover debt has expired, see Revocation of Power of Attorney in EXHIBIT-1A. Also note that the Georgia 4 year and 6 year statute of limitation has also expired on the transaction in question.
04/04/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90740	Web
This firm caused me to file bankruptcy by filing a false recorded Notice of Default ; and continued threats of Trustee Sale Date - claiming they were assigned Trustee. Failed to review documents that contain blatant fraud ; they are trying to " Collect on a Debt '' that does not link to them. Broken Chain of Title by wrong parties has misrepresented roles claiming " Solely '' work for client XXXX and then at same time represented " False Claims of some Power of Attorney '' by XXXX acting as " Investor/Beneficiary/crto have given them rights and or assign this " Debt '' by no valid proof provided and that 'only '' items provided showed more fraud of notaries from XXXX acting to execute false signors that are non compliant under XXXX Sec of STATE laws. Violating the " NMS '' Agreement stating, No More Fraud ; Forgery ; and Fake Documents on County or Courts in this event : XXXX XXXX XXXX acted and presented false documents TO FEDERAL COURT : False and Fake Assignments ; and representations of " Altered Notes '' that another party at the same time held another claim of holding the Note ; and was informed that the documents and Notary Journals reviewed contained non compliant under " Mandatory '' requirements under XXXX State 's Laws. XXXX XXXX XXXX stated different representations of " who '' they represented ; Stating they represented the " owner-Investor-Benefiiary-creditor '' and claimed that " XXXX '' in a MFR was in fact working on behalf of a Trust named : XXXX As Trustee. There is no evidence of this and this would not be possible. XXXX XXXX has also filed defective Notice of Default ; and then " after '' sent a debt validation which was disputed : During a dispute of the Debt they continued to move forward NO pre-foreclosure efforts attached a false affidavit ; Stated MUST Only follow their Clients orders Client being Servicer only and forgetting their own due diligence under XXXX HBOR Laws. Filed a Notice of Default the same claimed Investor was in a lawsuit against XXXX XXXX XXXX for XXXX 's XX/XX/XXXX-XX/XX/XXXX ' Loans that included borrower 's origination of a loan that was given by illegal scheme and had no possibility to perform ; During this window of filing they hired a non compliant Notary : XXXX XXXX who 's journals have been reviewed and are non compliant. Continued Notary fraud to assist in false claims ; All assignments of record were reviewed and found FAKE ASSIGNMENTS by non compliant and illegal claims by Notaries in Felony Acts ; XXXX XXXX was informed and stated their only client is XXXX XXXX XXXX who hired them. The alleged XXXX as Trustee stated they are Not the Investor/Creditor/Beneficiary and could not possible be. False and Fake Claims ; Forged documents ; Intimidation tactics that have caused severe hospitalizations for stress induced ; Forced into a BK by faulty claims ; and then presented fake assignments to the Federal Courts in XX/XX/XXXX ' Filed a Sale Date of XXXX/XXXX/XXXX during a time in which written evidences of " alternative options '' being offered ; XXXX intentionally and maliciously sent off exactly planned service release ; vs keeping written promises to borrower ; and both parties failed to make good and again violating HBOR and Unfair Business Practices ; Collect on a Debt for more than the Note Value when it was " Defaulted in XXXX '' Called Due by Acceleration of the Note : Expired at 6 years and then Year 7 " AFTER '' removed from credit ; and expired under XXXX Section : 882.030 ; CCP 2911 : and UCC 3-118 ; 3-108 ; Filed a faulty NOD " After Time Barred '' disregards all laws ; Filed XXXX distinct Sale Dates while " Dual Tracking '' and instead of reviewing solid facts of " letters dated '' of proof ; instead allowed XXXX to " Omit '' Evidences that would prove she was " in '' an open review and backed XXXX up when facts are contrary ; See attached explanations : Continued Intimidation tactics and false convoluted claims made Fraud onto Federal Ct
10/22/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA XXXXX	Web
This response is filed on behalf of Clear Recon Corp ( " CRC '' ), an affiliate of Aldridge Pite , LLP ( " AP '' ), to CFPB Consumer Complaint XXXX ( " CFPB Complaint '' ) filed by XXXX XXXX ( the " Consumer '' ) .This response does not purport to make any representations on behalf of any other entities, nor should it be construed as a statement of CRC regarding the actions of any other entities.A brief history of the foreclosure action is as follows : The subject loan was secured by a Deed of Trust recorded on XXXX/XXXX/XXXX as Instrument XXXX in the XXXX XXXX XXXX XXXX Records.As a result of the Consumer 's subsequent default on the loan in XXXX XXXX, the loan was referred to AP for foreclosure in XX/XX/XXXX.Thereafter, CRC caused to be recorded a Substitution of Trustee on XXXX/XXXX/XXXX as Instrument XXXX Notice of Default initiating the foreclosure was caused to be recorded on XXXX/XXXX/XXXX as Instrument XXXX Notice of Sale was recorded XXXX/XXXX/XXXX as Instrument XXXX scheduling the trustee 's sale date for XX/XX/XXXX.However, the trustee 's sale was postponed and ultimately canceled- Response provide cancellation notice ( never received ) and explanation of cancellation. A second notice of sale was recorded on XXXX/XXXX/XXXX as Instrument XXXX scheduling the trustee 's sale date for XXXX/XXXX/XXXX ; however, it was postponed until XXXX/XXXX/XXXX and was further postponed until XXXX/XXXX/XXXX. - Response provide the amount due on NOD recorded related to cancellation. .The issues alleged by the Consumer in the CFPB Complaint appear to be related to the Consumer 's dispute of the debt. Specifically, the Consumer asserts that she has not received " the corrected accounting, '' and that the amount of the debt as stated in the notice of sale is incorrect due to XXXX payments she made in XXXX the amIn addition, she requests the name of the current beneficiary as well as copies of any and all assignments.As to the Consumer 's request for the name of the current beneficiary and copies of any and all assignments, a review of CRC 's foreclosure file indicates that on XXXX/XXXX/XXXX, CRC mailed to the Consumer 's authorized agent a letter providing the name of the current beneficiary in addition to copies of the promissory note, deed of trust and assignment of deed of trust.- Response what was sent to agent was never sent to me and stated a completely different amount. The Consumer alleges Moreover, pursuant to California Civil Code section XXXX ( b ), a trustee " shall incur no liability for any good faith error resulting from reliance on information provided in good faith by the beneficiary regarding the nature and the amount of the default under the secured obligation, deed of trust, or mortgage. " Therefore, as the foreclosure trustee, XXXX may rely on the amounts provided in good faith by the servicer in the current foreclosure proceedings. Response what amounts were provided XXXX vs XXXX? XXXX was from original servicers Bank XXXX- less than what was provided to agent and myself XXXX alleged debt was provided by XXXX XXXX which appears to be deceptive to obtain more than what original creditor provided for principle - more than original servicer provided not including rears The Consumer requests a detailed payment accounting, an explanation of amounts considered " tender '' under the Fair Debt Collection Practices Act ( " FDCPA '' ), and a rescission of the notice of default and the notice of sale. - Response until debt is confirmed I am requesting recession in good faith. Response As the collection company you appear to be attempting to deceive me by providing inaccurate accounting - XXXX to me and another to agent regarding principle amount not including rears. Response as the debt collector provide original creditor documents from XXXX only with alleged debt.
08/15/2016	Yes	Debt collection Mortgage	Taking/threatening an illegal action Seized/Attempted to seize property	GA 30349	Web
This is a Claim of UDAAP violations pursuant to FDCPA 15 U.S. Code 1692e - False or misleading representations, 15 U.S. Code 1692f - Unfair Practices, and O.C.G.A. 9-3-25 GA statute of limitation. 1. Alridge Pite, LLP., the foreclosing attorney hereafter referred to as ( AP LLP . ) and XXXX XXXX XXXX XXXX hereafter ( XXXX XXXX ) is threatening to seize, attach, or sale our property in a unlawful non-judicial foreclosure sale scheduled for XXXX XXXX, XXXX if a loan modification, short sale or surrender of our property is not agree too by us. The unlawful seizure of our property is now imminent. See EXHIBIT-L, XXXX XXXX and AP LLP. ( sale under power notice ). 2 XXXX XXXX and AP LLP. failed to record the XXXX assignment made by XXXX to XXXX XXXX in the office of the clerk of the superior court of XXXX County GA where the land referred to in the purported instrument is located. 3. Instead of recording the assignment pursuant to O.C.G.A. 44-2-6 as required by law, XXXX XXXX and AP LLP. chose to violate the law by avoiding recording of the assignment to the new lender in County records. 4. The new lender is none other than " XXXX XXXX '' according to XXXX 's statement of fact. See EXHIBIT XXXX at PageXXXX where is says " Account transferred to another lender ''. 5. Since there is a new lender then XXXX XXXX and AP LLP. is required by law to foreclose in the ( new ) lenders name, not the previous lender 's name. If they proceed with the foreclose they are committing a felony and violating state and federal law. See Exhibit XXXX ( new lender ), then see EXHIBIT-L ( Sale under Power ) and EXHIBIT XXXX. Note that the previous lender, not the new lender is listed as the foreclosing party - THAT IS AN UNLAWFUL ACT. 6. There is no present right to possession of the property claimed as collateral for the following reasons : 7. This is a case where XXXX XXXX bought collection rights to an account that both XXXX XXXX and XXXX knew or should have known were charged-off and closed on or before XXXX XXXX, XXXX. 8. Both XXXX XXXX and XXXX knew or should have known that the account was charge-off/closed 3 years before it was sold. 9. Both XXXX XXXX and AP LLP. have personal knowledge that the loan they are attempting to foreclosure on is dead because the account was charged-off and closed by XXXX on or before XXXX XXXX, XXXX. 10. See evidence of account charge-off at EXHIBIT XXXX at XXXX, and XXXX at XXXX XXXX. See evidence that the account was closed and charged off as of XXXX XXXX At EXHIBIT XXXX & XXXX. 12 See EXHIBIT XXXX ( account closed ), then see EXHIBIT XXXX where the account was fraudulently modified in XXXX XXXX to make it appear that the sale of account # XXXX happened before it was charged-off and closed. 13. As to any unsecured debt please be advised that the account is now time barred under O.C.G.A. 9-3-25 Georgia statute of limitation. See relevant date at EXHIBIT XXXX, XXXX. The statute lapsed on XXXX XXXX. 14 AND, even if there were ever a secured interest in our property, foreclosure would be time barred as to any written contracts. 15 According to XXXX the property was harmed, and the contract or agreement was violated ( breached ) XXXX XXXX ; the account was accelerated XXXX XXXX which started the statute of limitation to run ; XXXX initiated foreclosure in XXXX XXXX. The Statute lapsed on XXXX XXXX. See EXHIBIT XXXX then see EXHIBIT XXXX thru XXXXThe collection rights was sold to XXXX XXXX in XXXX, years after the loan had been charge-off and CLOSED in XXXX, see EXHIBIT XXXX. 17. When a original subprime predatory loan is charged off and closed, the loan and note no longer exist ( according to UCC requirements ). All that remained is collection rights to possible default debt. AND, those rights c
02/06/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 93308	Web
To Whom It May Concern, As the Foreclosure Trustee for XXXX XXXX XXXX XXXX XXXX XXXX you are obligated to follow all the rules, regulations and procedures within the California Foreclosure Civil Code sections XXXX, formerly known as the California Home Owners Bill Of Rights. According to the California Department XXXX XXXX XXXX, no foreclosure trustee is exempt from the California Foreclosure Rules, Regulations and Process. Nor can any trustee just blindly file any court documents without accurate, complete, and supported documents by competent and reliable evidence by the mortgage servicer that the trustee is representing. Before a default notice of any foreclosure can begin, I have the right to participate in a face-to-face meeting with the mortgager and its trustee. My request for this meeting was ignored and or denied. XXXX parties knew that I requested to meet with XXXX parties in order to understand and present any evidence that was needed to prove I was not in arrears as alleged by XXXX XXXX XXXX and Clear Recon Corporation. I kept requesting to create a " single point of contact '' as a borrower to prevent foreclosure actions. I requested a single point of contact whom may be an individual or a team that has the authority to perform specific responsibilities, has knowledge of my situation and current status. Who is able to provide accurate information and coordinate all documents associated with my foreclosure prevention alternatives and with/to XXXX XXXX XXXX and its trustee Clear Recon Corp. I explained this matter to a XXXX XXXX XXXX supervisor and its employee 's, in that XXXX XXXX XXXX would not let be get passed their collections department employees. I explained that this department ( Collections ) could not and was not authorized to service my mortgage account. I ALSO requested through the collections department that I wanted a face to face meeting with someone who was authorized to service my account. That request was ignored and or denied. I continuously disputed that my account was in arrears of any amount. That my mortgage loan was in fact current and up to date in mortgage payments, taxes and insurance payments. XXXX XXXX failed to pay my property taxes in a timely manner if at all. XXXX XXXX continually paid out via my escrow account, with hazard insurance three times the amount ( {$1800.00} ) of my current hazard insurance with XXXX XXXX XXXX XXXX ( {$540.00} ). XXXX XXXX further attempted to enroll myself into a program where if you are sick, injured or laid off your mortgage payments would be made for up to one year ( additional XXXX yearly charge ). I had to continually call these insurance companies and had them canceled immediately. This illegal activity continuously raised my mortgage account payment up to {$250.00} to in access of {$650.00} dollars a month. When XXXX XXXX XXXX received my account from XXXX, due to XXXX going into bankruptcy, my escrow account was closed and I was suppose to get a remittance of what remained in my escrow account ( {$1300.00} dollars ). XXXX XXXX refused to do this because they stated my account was in arrears. Yes, because of the illegal activity XXXX XXXX continually practiced. During this time I requested a payoff of my mortgage account, that is when everything went to XXXX XXXX XXXX XXXX was determined to keep my account in arrears, and force me into foreclosure. Two times I was able to get a loan with another company but XXXX XXXX XXXX refused to present a valid pay off. A internet search of XXXX XXXX XXXX one can find that this was a common practice with XXXX XXXX XXXX. It was common knowledge to everyone in the mortgage business that XXXX XXXX XXXX was a predatory company that forced thousands into bankruptcy with fraudulent and illegal pr
08/26/2016	Yes	Debt collection Mortgage	Taking/threatening an illegal action Seized/Attempted to seize property	GA 30349	Web
This complaint is filed with this Administrative Tribunal because Alridge Pite LLP. has sent a written response to case # XXXX directly to me by XXXX on XXXX/XXXX/XXXX ). However, they have chosen not to go on RECORD with the CFPB with their answers or response. THEREFORE, for the record I incorporate Exhibit XXXX ( Alridge Pite Response ) as if fully set forth herein. This is also to advised this Administrative Tribunal that contrary to what Alridge Pite, LLP. climes in its response to Compliant number XXXX, ( see EXHIBIT XXXX response ), the complaint IS NOT A DEBT VALIDATION OR VERIFICATION request. And even if it was misconstrued to be a request for debt validation or verification, a lenders foreclosing attorney, staff attorney or general counsel can not lawfully validate or verify debt on behalf of a lender for the following reasons : 1. A request for debt validation or verification requires An Affidavit from the Servicer/Lender, not the Foreclosure Attorney, and must accompany the copy of the documents being used to validate the debt, and the affiant must have firsthand knowledge of the transaction they are swearing to or validating. 2. This administrative tribunal must take note that Alridge Pite, LLP. has responded to my complaint with a written document sent by XXXX delivery, and is posed as a response to a request for debt validation or verification. No such request has been made. 3. Since Alridge Pite LLP. has made no official response to the CFPB regarding Case number : XXXX, The lack of a response to this Administrative Tribunal is unethical in that Alridge Pite LLP. will be completely avoiding making a statement on the record that has been proven false by very credible evidence already on record in this case. See EXHIBIT XXXX, ( XXXX XXXX unrecorded written response sent to me by U. S. mail ), then see EXHIBIT XXXX, ( Alridge Pite LLP. written response sent to me by XXXX on XXXX/XXXX/XXXX ). They have not place any of these answers on record with this Administrative Tribunal. It is an effort to evade the scrutiny of the CFPB and other regulating authorities. 4. The reason Alridge Pite LLP. and XXXX XXXX has avoided making a statement on record is because they are unlawfully using the previous purported secured lenders name who no longer owns the debt/account. The previous lenders name is a pretexts, to continue foreclosing or threaten to foreclose on my property. Alridge Pite LLP. and XXXX XXXX knows that collection on the now charged-off and closed account, as to both secured or unsecured debt is now time barred. 5. This is a case where XXXX XXXX bought collection rights to an account that both XXXX XXXX and XXXX, ( the seller ) knew or should have known were already charged-off and closed on or before XXXX XXXX, XXXX. 6. Alridge Pite LLP. XXXX XXXX has employed this method of collection 7 times in the past 8 months, and I am sure it is being used in other situations on citizens ( it should be stopped ). 7. The harassment has gone as far as to have representatives of XXXX XXXX stop by our place of residence and place door knob hangers on our door, asking us to call XXXX XXXX See EXHIBIT XXXX ( Home visit by XXXX XXXX Rep. ) 8. The harassment has gone as far as to have third parties to constantly contact us by U. S. Mail with numerous advertisements of verity options for loan modifications. See EXHIBIT XXXX ( Typical third party contact )
09/07/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95076	Web
Dear CFPB, ENCLOSED you will find a QUALIFIED WRITTEN REQUEST AND COMPLAINT, DISPUTE OF DEBT under FDCPA and VALIDATION OF DEBT LETTER and TILA addressed to XXXX XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. I want to report that XXXX XXXX XXXX has filed ANOTHER a fraudulent Notice of Trustee Sale, ENCLOSED, at the XXXX County Recorders Office on my property XXXX XXXX XXXX XXXX, CA XXXX. FORECLOSURE IS scheduled for XX/XX/XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have committed IDENTITY THEFT by using my name, social security, private and personal information to create account # XXXX without my consent and authorization, in clear violations of my consumer protection rights under FDCPA, FTC, FCRA, TILA, RESPA and CA Rosenthal. These entities are UNKNOWN TO ME. There are no signed agreements, No contracts No business relationships between myself and these entities. No Disclosure, No Consideration, No Lawful Terms & Conditions, No Signatures of both the parties in interest. To carry out this unlawful foreclosure these entities have recorded many forged, fabricated and fraudulent documents including notice of defaults, notice of trustee sales and assignments of deed of trusts. ENCLOSED you will find the Three Assignments of Deed of Trusts Recorded on my property at the XXXX Country Recorders Office. Enclosed you will find XXXX COUNTY CIVIL GRAND JURY AUDIT title " Integrity of Land Records in XXXX County '' conducted by XXXX XXXX, Certified Mortgage Fraud Forensic Analyst. These are some of Ms XXXX 's preliminary findings identified the following : You have robo-signers galore ; fraudulent assignments ; unauthorized substitutions of trustee ; MERS fraud ; and a host of violations of California statutes. XXXX, XXXX. Letter to XXXX. XX/XX/XXXX. TS. In her expert opinion : Innumerable negative externalities result from this errant behavior, e.g., due process violations ; wrongful foreclosure ; wrongful displacement and homelessness ; clouded and unmarketable titles ; uncertainty in real estate transactions ; devaluation in property values ; erosion of the tax base ; social unrest ; undue burdens on social services and welfare programs ; increased crime ; vacancies ; neighborhood blight, etc. the price of which is paid at the local level. XXXX, XXXX. Letter to XXXX. XX/XX/XXXX. TS. In conclusion, I hope the XXXX County Recorders Office and the XXXX County District Attorneys Office work together to identify means by which fraudulent robo-signed documents can be identified early by the County and reported to the District Attorney to stop fraudulent foreclosures. In addition to start implementing California Penal Code section115.5 ( Forging, Stealing, Mutilating, and Falsifying Judicial and Public Records and Documents ) which provides for statutory penalties up to {$75000.00} for filing with the County Recorder fraudulent documents relating to the title of or security interest in real property. I'm demanding immediate cancellation and rescission of all the fraudulent, forged, robosigned documents, assignments, notice of defaults and notice of trustee instruments recorded on my property XXXX XXXX XXXX XXXX, CA XXXX recorded at XXXX County Recorders Office. Respectfully, XXXX XXXX XXXX
10/03/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	FL 33155	Web
I came to USA two years ago following the American dream and the reunification with my mother and my fianc. Months after my arrival my fianc got pregnant and having no place to live together we decide to search for a place to so. The rents were so expensive that my salary and lack of credit history at that moment was not enough to cover all the expenses and we thought it could be better to invest in a property. With the help of my uncle we subscribed to all existing governmental institutions as XXXX but purchasing through this institution was not possible since every time we found something according to our necessities and resource the bid was not sufficient. After expending months trying to purchase this way and having no luck I decided to purchase through the county auction a foreclosure property. My uncle requested a home line of credit over his already full paid house, {$150000.00}. Finally with that money I was able to make the purchase for a XX/XX/XXXX home on XXXX XXXX. The house was in pretty bad conditions and needed a lot of fixing which I did my self with help from my family and friends at a cost of around {$50000.00}. On XX/XX/XXXX I tried to pay my property taxes and to my surprise they were already paid so I contact the payee and requested an explanation. They never came back to me with an answer but instead a few months after I received a visit from an individual advising me that the house would be foreclosed in a few days. I never received a notice or citation. My address and information was register at the county since I obtained a title certificate signed by the court. To my surprise I purchased a second loan. If the house was on the market for sale for few years and no one purchased why the first lender did waited for the second mortgage to foreclose. I would agree if there was a lien on the property for other matters but for a mortgage? I look at it as a scam. I have lived on the premises for a year and a half and after that time and after my claims to the property taxes payee is when the other lender wants to claim. Now they want me to pay {$230000.00}. The house is not even worth that amount and if you add the {$200000.00} I already invested the total would have bought me a brand new home. The new constructions in the county could be only afforded by reach people then what is it left for the medium class families? According to the attachment they preferred a bankruptcy. I personally think that they have received a lot of powers and authorities. The government fills up their pockets with the people money but they 're not satisfied, they want more. I would like you to understand that I 'm not an investor that I purchased because my family needed a place to live. I do n't want to lose the house. I own my uncle {$150000.00}, that there are not affordable rents or constructions. That all is left are pure foreclosures and now I should pay for it {$400000.00}. I 'm a young person working and studding at the same time so as my fianc and doing our best to raise our daughter. Is there any law that protects me and my family? Are the United States Laws made by the people to the people? I 'm in disposition to give you all details on my case if you need them in order to have an answer from you. Respectfully
05/31/2017	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA 95070	Web
XXXX : XXXX USING THESE FRAUDSTER COMPANIES CLEA R RECON CORP XXXX , XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX TO SERVICE WHICH IS AN irs VIOLATION, STATING SERVICER, PLUS THERE WAS NO LOAN NOR MORTGAGE. HAVE NO CONTRACT WITH EITHER OF THESE FRAUDSTERS AND HAVE FIRED ALL OF THEM, SEE ATTACHMENTS XXXX XXXX XXXX XXXX i : fired all these fraudsters : the forecloure trustee, the servicer, the attorneys and others, long ago, they are still trying to steal my home. i : se nd Cease and Desist orders long ago, see how fake this is? CAL. CIV. CODE 2952 ( XXXX XXXX ). After Recording Return To : XXXX XXXX XXXX XXXX XXXX [ Space Above This Line For Recording Data ] XXXX FICTITIOUS DEED OF TRUST Fictitious Deed of Trust recorded by XXXX on behalf of [ Name of Person ] XXXX . [ N ame of Lending Institution Causing the Instrument To Be Recorded ] This title page is hereby incorporated into, and made a part of, the attached Deed of Trust, both of which together comprise the Fictitious Deed of Trust. This Fictitious Deed of Trust is being recorded pursuant to CAL. CIV. CODE 2952 ( XXXX XXXX ). These fictitious entities XXXX XXXX XXXX , XXXX XXXX XXXX XXXX and CLEAR RECON CORP, which based on ample evidence on records, have been laundering money, which based on prima facie evidence, includes laundering drug cartel monies, in collusion with attorneys and a pretending services pretending to be the Trustee for foreclosure purposes and acting under Color of law which means in collusion with Officers of Law Corporate in Collusion with Fraudster Banks with fiat paper monies and instruments. These charlatans have been fired, do not have chain of title, do not have a contract with the real owner of the property and land that they are offering for sale both on the internet ( wire fraud ) and in person. They have committed and been involved in fraud, swindles, tricks and schemes. This amounts to Robbery ashore as part of the pattern of racketeering activity by collection of an unlawful debt which engaged in, or the actives of which affect the interstate or foreign commerce. They must divest themselves of the ill begotten property, belongings and financial gain they have derived from their fraud. The selling, conveying, monetizing, fraud, stealing, was done knowingly and willfully. The statements on the internet or printed material was materially false, fictitious, or fraudulent statement or entry. Whoever buys from these fictitious entities and receives, conceals, or retains the same with the intent to convert into his use or gain, knowing it to have been embezzled, stolen, purloined or converted-goes to jail, and so do them!, the attorneys, the officers and directors if CLEAR RECON CORP and XXXX XXXX XXXX . Warrants and Bill have been issued already to XXXX enforcement of the highest of the land. other info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Forgery/ Calif. cod e 115 ( a ) 10 year s in prison. These entities have been notified. Remove the Auction demanded today.
08/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30045	Web
RESUBMISSION WRONG LOCATION WE WANT COPIES OF THE LIS PENDENS FROM XXXX MORTGAGE FOR THE HOME LOCATED AT XXXX XXXX XXXX, XXXX XXXX XXXX, A COPY OF THE LETTER OF ABANDONMENT FROM THE BRC TRUSTEE AND THE MOTION TO LIFT THE AUTOMATIC STAY WHICH YOU VIOLATED. XXXX WENT TO THE HOME AND CHANGED ALL OF THE LOCKS AND PLACED A LOCK BOX ON THE DOOR, THE HOME WAS NOT PHYSICALLY ABANDONED. THE ELECTRIC WAS ON IN OUR NAMES AND I WAS IN AND OUT OF THE HOME RESTORING IT. THIS IS WHY IT CITES OIN MY WIFE 'S BR RECORDS THE HOME WAS ABANDONED.XXXX TOTALLY VIOLATED THE STAY WILLFULLY! .WE RECEIVED ADDITIONAL INFORMATION WHICH WAS TOTALLY SHOCKING REGARDING THE PLAYERS WITHIN THE BRC INVOLVED ON MY WIFE 'S CASE. NOW EVERYTHING MAKES SINCE AND THE PUBLIC NEEDS TO BE INFORMED. IF IT HAPPENED TO US WE KNOW THERE ARE THOUSANDS OF OTHERS IN EACH STATE XXXX XXXX HAS OFFICES, WHICH HAVE AND ARE GOING THROUGH THE SAME SCENARIO. THIS IS NOT US JUST TALKING! According to the US Trustee Office, An individual injured by any willful violation of a stay provided by this section shall recover actual damages, including costs and attorneys fees, and, in appropriate circumstances, punitive damages. Well, EVERY CRIMINAL ENTERPRISE STATED WE RECEIVED LOANS ON EACH OF OUR PERSONAL PROPERTIES BUT, WE DID NOT! My wife filed Bankruptcy WHICH SHOULD HAVE NEVER BEEN FILED. Our properties were abandoned by the BRC Trustee XXXX XXXX XXXX citing no equity. Furthermore, if we were paying the mortgages on the home why would there be no equity. The answer is BECAUSE WE NEVER RECEIVED ANY LOANS ON ANY OF OUR PROPERTIES SO, IT WAS AS IF NO MORTGAGE WAS PAID. OUR MONEY WAS STOLEN! The trustee abandoned EVERY PROPERTY, LAWSUIT ( MY WIFE 'S COMPANY FILED A LAWSUIT AGINST THE STATE OF AND THE XXXX XXXX WAS STOLEN BY THE STATE OF GEORGIA VIA HER COMPANY 'S REPRESENTING ATTORNEY, XXXX XXXX LOCATED IN XXXX XXXX ), HE ABANDONED MY AUTO ACCIDENTS BUT LATER STATED HE APPROVED ONE OF HER COLLEAGUES TO REPRESENT ME XXXX XXXX WHO LATER TERMINATED ME BECAUSE THEY WERE AWARE OF THE DRIVER WHO HIT ME COMMITTING SUICIDE ). AS FAR AS WE ARE CONCERNED THEY WERE A PART OF HIS DEATH!! ACCIDENT DATE XXXX HE COMMITTED SUIDCIDE OF XXXX. ( EXTRA INFO ) Back to the topic at hand,. The properties since abandonment should have been returned back to my wife, XXXX XXXX XXXX The trickery of a LIFT OF STAY. How can a judge approve a lift of stay KNOWING THERE WAS FRAUD AND AN INVESTIGATION IS REQUIRED. DO THEY REALLY THINK WE ARE STUPID? TO TOP IT OFF EACH HOME HAD A RECORDED LIS PENDENS ' ATTACHED TO EACH. IF WE HAD OR RECEIVED A LOAN THE LIS PENDENS NONE OF THE HOMES COULD NOT BE SOLD UNTIL THE LIS PENDENS WAS SATISFIED. THE HOMES WAS STOLEN PRIOR TO MY WIFE 'S DISCHARGE XX/XX/2022 ( WHICH IS MY B-DAY ). I THINK THE BRC WAS ATTEMPTING TO BE HUMOROUS. GIVEN THE EVIDENCE VALIDATING THE CONNECTION BETWEEN XXXX, ALDRIDE PITE, THE BRC JUDGE AND TRUSTEE. ALLOW THEM TO LAUGH! SO, IF WE HAD A LOAN WHERE IS THE MONEY PAID MONTHLY FOR XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. THE LIS PENDENS ' HAD TO BE SATISFIED AND PAID DIRECTLY TO US!
06/18/2016	Yes	Mortgage VA mortgage	Loan servicing, payments, escrow account	FL 32259	Web
This is a formal complaint we want to file on the Law Firm known as Aldridge Pite LLP. We believe this firm and its attorneys are acting in the capacity of a foreclosure mill for the banks here in the State of Florida in violation of the Fair Debt Collection Practices Act as Debt Collectors. ( Aldridge is a national law firm ) XX/XX/XXXX a foreclosure case was filed against us in a attempt to take our home here in XXXX Florida and this law firm known as Aldridge Pite LLP., representing XXXX is making a ( 2 ) second attempt to foreclose on us, attempting to collect a time barred debt in clear violation of the FDCPA. This law firm known as Aldridge Pite LLP. and its attorneys are acting in concert with the banks ( XXXX ) in the filing of time barred causes of actions against consumers without properly verifying the debts. We believe by filing these law suits violations the FDCPA by their conduct, in attempting to deceive the courts and trying to take advantage of a unsophisticated debtor by attempting to steal peoples homes, ours included. ( see documents enclosed ) In this second foreclosure attempt, over 8 years past acceleration of the note, we believe this is their last ditch effort to steal our home. Aldridge Pite LLP. has not properly verified the complaint prior to filing a frivolous cause of action into the State courts. In our defense in the State suit, we again answered timely and filed a motion to dismiss. Recently in State court the judge denied our motion and stated he only looks to the plaintiffs XXXX corners of the compliant on a motion to dismiss. Aldridge Pite LLP. and their attorneys have again deceived the court in believing a new default has recurred by stating in their new foreclosure complaint a new default date of XX/XX/XXXX, opposite of the banks first foreclosure attempt years ago on the record in XXXX XXXX, making it appear to the court the re-starting of the 5 year statutes of limitations. Immediately following all this, we filed a Federal lawsuit against XXXX and the law firm Aldridge Pite LLP. and its attorneys ( see Federal suit in XXXX District of Florida XX/XX/XXXX ) for their blatant violations of 15 USC 1692 FDCPA, FCCPA and Florida Deceptive Practices Act. We are approaching discovery in the Federal case. The State case is also still pending and we have just sent interrogatories and production of documents to Aldridge Pite LLP. awaiting their response. We believe the CFPB should look into this law firm Aldridge Pite LLP. XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX Florida XXXX for their Deceptive Practices against the public. In the past XXXX was fined XXXX dollars for illegally falsifying documents and defrauding HUD ( see report dated XX/XX/XXXX ) and the CFPB has also fined XXXX in the past for their egregious conduct against the public. The CFPB should look into this law firm and their deceptive practices that is clearly violating the law in their attempts to deceive the public. Respectfully submitted XXXX XXXX XXXX sr.
04/28/2020	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30068	Web	Servicemember
Since XX/XX/2016 XXXX XXXX XXXX XXXX XXXX along with their 3rd party debt collector Aldrige and Pite, LLP have relentlessly attempted to foreclose on my property without the proper authority to do so. XXXX XXXX XXXX XXXX has insisted for years that they are the mortgage servicer for my loan ; and that they work on behalf of XXXX XXXX XXXX XXXX XXXX XXXX. Whom they purport to be the owner of the mortgage loan and property. Which is not true. I contacted the XXXX XXXX XXXX XXXX XXXX and they have told me on three different occasions that they do not own the loan or the property and NEVER HAVE owned the loan or the property. In the state of Georgia ONLY THE SECURED CREDITOR can foreclose on a property. XXXX XXXX XXXX XXXX XXXX has stated in several documents that they work for XXXX XXXX XXXX XXXX XXXX XXXX and that their firm is the servicer on behalf of the owner of the loan/property ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, XXXX then hires Aldrige and Pite, LLP to foreclose on the loan. I have sent several emails and certified mailing packages to both firms showing that the XXXX XXXX XXXX XXXX XXXXXXXX states that they do not own the loan or the property. Instead of suspending the foreclosure sale to validate their claim Aldridge and Pite, LLP usually attempts to go forward with the foreclosure sale. Aldrige and Pite, LLP along with XXXX XXXX XXXX XXXX XXXX on several occasions has attempted to steal my property knowing that either entity works on behalf of the secured creditor and or parties with true interest in the loan or property. Aldridge and Pite, LLP have gone as far as submitting themselves into the record of the Bankruptcy Courts on behalf of the XXXX XXXX XXXX XXXX XXXXXXXX claiming to be/represent the XXXX XXXX XXXX XXXX XXXX as legal counsel to lift the stay of federal protection so they can steal my property without representing the true secured creditor. Both firms are violating Georgia 's Foreclosure statues as well as the FDCPA, Privacy Act, Bankruptcy Codes and basic Constitutional rights recognized by all courts of law. Their actions in my opinion are criminal. Theft by taking, false representation, misrepresentation and acting as legal council for an entity that does not have interest in the loan/property and the list goes on. This is insane. They are even attempting to foreclose once again during a Pandemic. Knowing that neither party truly represents the owner of the mortgage loan. At best this is evil as they are using a vulnerable time for most Americans as an attempt to weaken my ability to fight this WRONGFUL FORECLOSURE. In this complaint I would like a response from both parties explaining why they continue to foreclose knowing that both firms do not represent the true creditor. Please note all documents to substantiate all claims above are attached. Cordially, XXXX XXXXXXXX
10/19/2021	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30068	Web
Aldridge and Pite, LLP and XXXX XXXX XXXX, XXXX are attempting to collect a debt on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, purports to be a mortgage servicer servicing a loan on behalf of an investor by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX as TRUSTEE OF CERTIFICATE HOLDER MULTI-CLASS MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX XXXX XXXX XXXX. However, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX as TRUSTEE OF CERTIFICATE HOLDER MULTI-CLASS MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX XXXX XXXX XXXX ; has contended that they are not the owner of the loan, they are not the owner of the land nor are they in any way shape or form involved with any foreclosure proceedings. These documents were forwarded to Aldridge Pite , LLP Naturally, XXXX XXXX was asked to : Validate the Debt, Provide Accounting, Verification of Claim from their alleged client the XXXX XXXX XXXX XXXX XXXX, A copy of the contact that binds both parties with signatures by both and or all parties, A Copy of any and all invoices from the XXXX XXXX XXXX XXXX XXXX showing XXXX XXXX XXXX owes a debt to them, Any and all other proof a debt is owned to their alleged client The XXXX XXXX XXXX XXXX XXXXXXXX. The same questions have been asked for years and XXXX XXXX has not been able to provide any of the documents enlisted above. It is clear, a debt is not owed to the XXXX XXXX XXXX XXXX XXXX. However, XXXX XXXX XXXX XXXX keeps accelerating a fake debt on their behalf, which triggers the advertisement of a Non-Judicial Foreclosure Sale. This is not legal or lawful nor can they legally or lawfully foreclose on behalf of the XXXX XXXX XXXX XXXX XXXX when the XXXX XXXX XXXX XXXX XXXXXXXX stated on several different occasions by several different forms of communication that they in fact are NOT THE OWNER OF THE LAND OR HOME. An error has been made on the account that XXXX XXXX XXXX XXXX illegally holds on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX are not interested in correcting the problem. If anything, they stand to financially gain from this error by imposing a debt that XXXX XXXX XXXX, XXXX nor the XXXX XXXX XXXX XXXX XXXX had/have a vested interest in. Which means they would foreclose and profit from the proceeds even though they never made a vested interest in the collateral of the home or alleged mortgage note. Both XXXX XXXX and Aldridge Pite , LLP have violated : 15 USC 1692d 806 ( 3 ) 2. ) 15 USC 1692d 806 ( 4 ) 3. ) 15 USC 1692d 807 ( 2 ) ( A ) ( B ) 4. ) 15 USC 1692d 807 ( 4 ) 5. ) 15 USC 1692d 807 ( 5 ) 6. ) 15 USC 1692d 807 ( 9 ) 7. ) 15 USC 1692d 807 ( 10 ) 8. ) 15 USC 1692d 807 ( 14 ) 9. ) 15 USC 1692d 808 ( 1 ) 10. ) 15 USC 1692d 808 ( 6 ) ( A ) 11. ) 15 USC 1692d 808 ( 6 ) ( C ) 12. ) 15 USC 1692d 809 ( b ) 13. ) 15 USC 1692d 808 ( e ) 14. ) 15 USC 1692d 812 ( a ) without prejudice
11/25/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NV 89149	Web
On Wednesday XX/XX/2021 approximately XXXX an alleged process server XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX [ XXXX ] appeared on the private grounds domicile that of Diplomat ; XXXX XXXX XXXX XXXX. He was demanding to see the likes of a all caps incorporation which he was told did not exist. He then went on line on his tablet and showed the cohort of ; XXXX XXXX XXXX a name registered with the County of Clark. He was informed that, that all caps name you pulled up is an Estate Trust, there is no woman or person by that name. As such he the process server was directed to go to the State Dept. of NV and do a search for the PPEHTrust whereas he could find the Estate Trust as proof that was not a person nor a woman but an Estate Trust. He did not wear a mask, nor gloves and appeared to be either tired or other. The man XXXX ; XXXX XXXX XXXX attempted to see the documents to see and verify if he was at the correct location looking for the right person, the man said he could not see the document. XXXX XXXX XXXX XXXX then asked him if he had a warrant and he said no, just a court document from XXXX XXXX CA signed by a Judge but no name of the judge was given. The man did not produce a warrant and proceeded to attempt to serve documents while he was standing in front of a Trespassing sign posted on the front door. He has breached the peace in his attempt to serve a none existing being corporation all caps straw without proper information or evidence that he had the correct address. This man working for a process serving company on behalf of Aldridge Pite , LLP in pursuance of some alleged property was discovered by camera. The grounds on the XXXX has multiple camera angles with strong zooming abilities. Once the XXXX XXXX XXXX XXXX was able to gain access to the property cameras. What was discovered was that the all caps incorporation name was XXXX XXXX XXXX with two listed addresses and DMV records from Texas and North Carolina. Please see the photo attached herein. When in fact the MRH or XXXX XXXX XXXX XXXX XXXX is not a person listed in XXXX XXXX Record of Deeds and with the State Dept of US and NV. This was told to the process server whom refused to leave the documents but such was copied caught on property domicile cameras. The Courts in XXXX XXXX CA does not possess any form of Jurisdiction due to the laws of this land which is the Constitution and Treaties thereof therein. The attempt to claim private paid for in full property was an attempt to scare place fear and move emotions to gain access to private property. Now XXXX XXXX XXXX is claiming to be the XXXX title owner or debt collector with a Judges signature on a document they will not serve the Claimant herein known as XXXX XXXX XXXX XXXX as the property is within the XXXX XXXX XXXX.
07/30/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	AK XXXXX	Web
XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX, XXXX, CA XXXX ) has committed fraud. The company created fake loan number XXXX and hired XXXX XXXX [ XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, WA XXXX, phone ( XXXX ) XXXX. Fax ( XXXX ) XXXX ] and XXXX XXXX XXXX [ XXXX. XXXX XXXX, XXXX XXXX, WA XXXX ] in attempt to collect {$15000.00}. XXXX XXXX XXXX, XXXX placed my name and my wife 's name on that fake loan. We have never signed any loan documents with XXXX XXXX XXXX, XXXX Approximately XX/XX/2020 I received 30-day notice of demand - intent to foreclose and right to cure from XXXX XXXX demanding {$15000.00}. On XX/XX/2020 letter from my attorney was mailed to XXXX XXXX, disputing the debt, informing XXXX XXXX that I have never applied for a loan with XXXX XXXX XXXX, XXXX and requesting to validate the debt. Approximately XX/XX/2020 I received recently fabricated loan application from XXXX XXXX XXXX with my name on it and XXXX XXXX as a lender. The application is missing signatures. Application for HELOC with XXXX XXXX I signed. Copy of the application I received from XXXX XXXX XXXX is not copy of my application I submitted to XXXX XXXX. On XX/XX/2020 second letter from my attorney was drafted and mailed to XXXX XXXX and XXXX XXXX XXXX informing them that their collection attempt to be fraudulent and demanding second time to validate the debt XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX have failed to validate the debt. Apparently XXXX XXXX and XXXX XXXX XXXX have disengaged themselves from doing business with XXXX XXXX XXXX, XXXX due to the fraud. I have not received any more letters from either XXXX XXXX and/or XXXX XXXX XXXX, XXXX demanding money. On XX/XX/2020 letter drafted by my attorney was mailed via Certified Mail to XXXX XXXX XXXX, XXXX informing that HELOC loan with XXXX XXXX was paid off in full on XXXX. Attorney requested to release the lien and stop all collection efforts. XXXX XXXX XXXX, XXXX is holding the Deed Of Trust XXXX XXXX has failed to release when the HELOC was paid off. XXXX XXXX XXXX, XXXX has captured the Deed Of Trust and is fraudulently demanding money. As of XXXX XXXX XXXX XXXX, XXXX has refused to accepted the letter from my attorney and proof of payoff from XXXX XXXX. Second notice in attempt to deliver was generated by Post Office on XXXX. XXXX XXXX XXXX, XXXX has hired Aldridge Pite , LLP ( XXXX XXXX XXXX, XXXX XXXX, California XXXX, phone XXXX ) On XXXX I received Debt Validation Notice letter from Aldridge Pite, LLC with amount {$40000.00}. Loan number is listed as XXXX XXXX XXXX XXXX XXXX XXXX has failed to release the deed of trust and continues its fraudulent activity attempting to collect money.
07/25/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AK XXXXX	Web	Older American
Clear Recon Corp ( CRC ), AKA Aldridge Pite , LLP ( AP ) is illegally foreclosing non judicially on XXXX loan that was secured by a deed of trust recorded on XX/XX/XXXX in the XXXX, Alaska, Recording District XXXX and natured in XX/XX/XXXX on a XXXX XXXX XXXX alleged default stated by Clear Recon Voluntarily as XX/XX/XXXX. Unknown party referred the loan to AP for foreclosure in XX/XX/XXXX already time-barred in AK. Thereafter, CRC who can not record Substitution of Trustee to themselves also recorded Notice of Default on XX/XX/XXXX for the time-barred date XX/XX/XXXX, which notice set the trustee 's sale for XX/XX/XXXX. Due to a bankruptcy petition filed by the Consumer on XX/XX/XXXX ( XXXX XXXX. XXXX ), the trustee 's sale was postponed multiple times and eventually canceled because the statutory number of maximum postponements had been reached. On XX/XX/XXXX, the bankruptcy court granted a relief from the automatic stay to XXXX XXXX XXXX that does not own the loan but not to XXXX erroneously allowing the foreclosure action to proceed. CRC was instructed by unknown servicer to proceed with the foreclosure, however, the file was placed on hold due to the COVID-19 moratorium. After the COVID-19 moratorium ended, on XX/XX/XXXX, the servicer instructed CRC to place a hold on the file for loss mitigation. Once the loss mitigation hold was released, CRC prepared and recorded a Voluntary Termination Notice rescinding the XX/XX/XXXX Notice of Default. A second Notice of Default was recorded on XX/XX/XXXX setting the trustees sale for XX/XX/XXXX. CRC has not responded to the Consumer regarding the CFPB Complaint and does not intend to so. Clear Recon Corp filed on XX/XX/XXXX an illegal non judicial notice of default and sale on his home with a XXXX XXXX XXXX stated default date on XX/XX/XXXX, years time-barred past the Alaska statute of limitations on mortgages, and requests that this time-barred non-judicial foreclosure be stopped. On XX/XX/XXXX, the Consumer filed an Adversary Complaint in the U.S. Bankruptcy Court, Alaska District, as Case No. XXXX ( Adversary Complaint ) for wrongful foreclosure naming CRC and the servicer as defendants. On XX/XX/XXXX, CRC filed its Motion to Dismiss Adversary Action erroneously alleging the Consumers claims are barred by res judicata or claim preclusion. At this time, there has been no ruling issued in the action on the Adversary Complaint, and a hearing was set to XX/XX/XXXX. CRC is violating AS 34.20.070 ( a ) that clearly precluded 4th non-judicial bite of the apple after judgments have already been given in the previous case.
06/29/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 95070	Web
Questions to the pretender lenders, their agents, co parties principle ( s ) that have never been answered : 1. Under what authority these strangers to me and to the alleged financial transaction that never took place filed for a notice of default when there is no loan to me, see attached declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX that there was no loan transaction in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXXfrom any of the parties who have falsified papers to make a fraudulent claim to my private property? 2. Under what authority these strangers to me and to the alleged financial transaction that never took place have been attempting to extort monies and property from me when i : have my non judicial judgment at TILA 1635 et. seq. indorsed by enacted federal and state law and by all three branches of the government, to wit : the president, the congress and the SCOTUS unanimous decision in XXXX v. XXXX XXXX XXXX XXXX, 729 F. 3d 1092 ( 8th Cir. XXXX ), cert. granted, 82 U.S.L.W. 3366 ( U.S. XX/XX/XXXX ) ( Docket No. XXXX, SCOTUS Unanimous decision XX/XX/XXXX Author : XXXX XXXX ), at 12 CFR 226.15 ( d ), ( 1 ), ( 2 ) and ( 3 ), Reg. Z by Federal Reserve. 3. How did these entities that claim [ falsely ] that the alleged non existing loan is in default, obtained the right to collect on a non existing debt, and when there is no default and all payments on a non existing alleged loan has been received? [ see declaration of ex police officer and currently private investigator that XXXX XXXX XXXX, XXXX surrendered to California secretary of state in XXXX, therefore it did not exist to give me a loan in XXXX and did not give me a loan in XXXX. 4. what evidence do these people have who are making a grand theft of my home that A ) there was a loan made to me from any of the pretender lenders ( when there was none, see attachment ), B ) that there is a default ( when there is none, see attached that all payments on a non existing loan has been received on continuous basis ) ; and C ) how did these entities obtain the right to foreclose on my sovereign property, where are the unaltered original note? the chain of assignments? proof of payment such as Check XXXX, ACH confirmation or cancelled check? when there is none, see declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX. 5. Under what authority the pretender lenders are trying to foreclose on my property when the non existing alleged loan has been liquidated on XXXXXX/XX/XXXX to unknown parties? see attached obtained from XXXX.
02/18/2016	Yes	Debt collection Mortgage	Taking/threatening an illegal action Seized/Attempted to seize property	GA 30083	Web
On XXXX XXXX, XXXX I was contacted through the mail by Aldridge Pite LLP, who claim to be attempting to collect an alleged debt for XXXX XXXX XXXX. Upon receiving the letter from Aldridge Pite, I began to draft my response pursuant to 1692 ( g ), and before I could enter my dispute I received a Notice of Pending Foreclosure Sale on XXXX XXXX, XXXX. On XXXX XXXX, XXXX Aldridge Pite received a Consumer Notice of Dispute of Debt in pleading form pursuant 15 USC sec.1692g, and though there were some apparent errors in the notice, the demand was very clear. Aldridge Pite LLP 's response was lacking verification and validation of any facts, as submitted in letter received XXXX XXXX, XXXX. At that time I saw that XXXX XXXX was indeed a debt collector as defined by 15USC sec.1692 ( a ) ( 6 ), and then filed Notice of Insufficient Response on XXXX XXXX, XXXX. The Notice sited errors in accounting of alleged debt by proof of Aldridge Pite 's own submission, demanded verification and validation, and ordered a CEASE AND DESIST. After XXXX XXXX 's receipt of such Noitce, I received through the mail a Cancellation of Foreclosure Sale on XXXX XXXX, XXXX. However, on XXXX XXXX, XXXX, I received another Notice of Pending Foreclosure Sale identically styled as the previous Notice of Pending Foreclosure Sale absent of any acknowledgement of dispute or verification and validation. My response to Aldridge Pite, was to make Notice of Violations Pursuant to 15 USC sec.1692 on XXXX XXXX, XXXX. Aldridge Pite responded saying, " we believe our response was sufficient to satisfy and verification obligation we may have under the FDCPA '', they also referenced to letter dated XXXX XXXX, XXXX. The inoperative word that XXXX XXXX used, " believe '', is neither verification nor validation as defined by law which lead me to draft a FINAL NOTICE on XXXX XXXX, XXXX siting a Summary of Facts and Violations pursuant the FDCPA XXXX XXXX sec.1692. Aldridge Pite 's response to such filing was to send a letter dated XXXX XXXX, XXXX styled, Cancellation of Foreclosure Sale. Then on XXXX XXXX, XXXX, Aldridge Pite LLP, gave Notice of Pending Foreclosure Sale, once again without any compliance to Federal Law pursuant to the FDCPA 15 USC sec.1692. Because of financial downfall, my response will be through a type of amendment to Final Notice, however I do intend to move for District Court of Georgia to ratify my PRIVATE RIGHT OF ACTION claim.
07/20/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30068	Web	Servicemember
I, XXXX XXXX, was in the process of being approved for a short sale with my servicer XXXX XXXX XXXX , XXXX ( XXXX ). I was aware that I may have some negotiable contractual issues with the current interested buyer ; however, I was unaware that the Short Sale was denied and or closed. As, my servicer ( XXXX ) did not send any written notice via mail or electronic notices through their on-line portal which is directed to my email. Wherefore, I was unaware that the Short Sale was denied and/or closed. On or around XX/XX/2019 I began to receive postcards stating that my home was in foreclosure and would be sold at public auction on XX/XX/2019. To date, ( XX/XX/2019 ) I have not received proper notice from the servicer ( XXXX ) stating that my short sale was denied and that my loans was directed to the default department. Nor have I received any written communication to date from the advertising law firm ( Aldridge and Pite, LLP ). From my basic understanding of Georgia Foreclosure Laws, Aldridge and Pite, LLP are violating state ( Georgia ) and federal laws ; including but not limited to the Fair Debt Collection Practices Act. Aldridge and Pite, LLP has failed to give notice that they are in fact the debt collector assigned to my mortgage. Aldridge and Pite, LLP has failed to give me notice of the current holder and owner of my mortgage and the amount of debt they are collecting nor was I given the proper time frames per law to question the validity of the debt they are collecting. I have checked the Georgia State Public Notices website and it appears that Aldrdige and Pite began to advertise the sale on or around XX/XX/2019. Per state law in order for a sale to be valid it must run 4 full weeks/30 consecutive before the sale date. To date, I am not sure if XXXX has denied my Short Sale request and sent my loan to Aldridge and Pite, LLP or if Aldridge and Pite, LLP are working without the direct consent of SPS. I have sent proper notice to Aldrige and Pite, LLP however, to the best of my knowledge they are still advertising the sale and have not removed my home from the XX/XX/2019 sale date foreclosure list. Which is why I am composing this complaint because XXXX as well as Aldridge and Pite, LLP have violated several state, federal and consumer protections laws. Cordially, XXXX XXXX
07/25/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	CA 92308	Web	Servicemember
On XX/XX/2019 I was served with a lawsuit by Aldridge Pite LLP a, debt collection attorney, ( case no. XXXX ) naming me and my siblings, ( XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX with the Estate of XXXX XXXX to foreclose on his home, which had a reverse mortgage. I immediately contacted the Law Office of Aldridge Pite LLP. I spoke to the paralegal assigned, MS. XXXX XXXX, to the case and advised that according to my fathers will, I was disowned. I offered a copy of the will and asked that I be removed as a party to the lawsuit. I emailed that will to Ms. XXXX on that same day. Ms. XXXX advised me that she had already spoken to my sister XXXX and would be emailing us a document to sign dismissing my name from the action. She asked that I send her a copy of the will. I also informed her that my brother XXXX XXXX was adopted by my step-father when he was XXXX years old. He was also not a legal heir. According to the will, the only legal heir is XXXX XXXX. I never got the email. My sister XXXX however did. I thought that since the statute of limitations to contest the will had expired on the XXXX of XXXX, that the reason I did not get that email was because I provided a copy of the will. I thought nothing of it and didn't even discuss it with my sister. Shortly after that, Covid caused the lock down in my state and Oregon, I did not even consider that I might need to appear in court. I was also not notified that there was a change in attorney 's handling the case, which would have clued me in that I was still on the list of defendants. On or about the XXXX week of XXXX, I received a copy of the judgement against me for the default and foreclosure of my fathers house. Not only am I not a legal heir, I was never on the title or the loan. I did not discover that my sister had received the email, and I did not, until I spoke with XXXX after receiving the judgement documents. This man was an XXXX XXXX XXXX who was convicted in an Oregon court and served time in the Oregon XXXX XXXX. He was cruel in life and he was cruel in his death and now this law firm continues to victimize his children by trashing our credit and our peace of mind. We would like nothing more than for everything pertaining to XXXX XXXX to die with him. Now we fear that other debt XXXX will also come after us.
09/28/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30909	Web
I, XXXX XXXX have had issues with the accounting of my mortgage for several years now. However, my loan was transferred and it immediately went into foreclosure. Aldridge and Pite, LLP is the current foreclosure attorney attached to my property. When the loan was transferred to XXXX XXXX XXXX and Aldridge and Pite ; several times I have asked for a payoff and other accounting details. They ignored my request and sent me a foreclosure notice for XXXX XXXX, 2016. I had to ask on 3 separate occasions for the payoff and other accounting details along with an original notice of Debt Validation. On XXXX XXXX, 2016 I received an email that contained a payoff however, it did not contain the documents to satisfy a validation of Debt. I have expressed to the Lender that I would like to pay the mortgage in full. However, they are unwilling to call off the foreclosure even though I sent a validation of Debt that has not been fulfilled and a request for payoff which took over 3 weeks to receive. I do feel as if Aldridge and Pite are prohibiting me the right to proper validation under federal law rights to proper accounting under state law as well as the time frames within Georgia State Law that allows a homeowner the grace period to payoff any delinquency since all collection activity should have ceased after I sent in a request for debt validation and payoff quotes. This is a disgrace and further proves that lenders, banks, and the attorneys that represent them would rather keep you in debt and foreclose on your property then allow a homeowner to pay off the mortgage or satisfy the stated delinquency they claim you owe. I believe they dont want me to payoff the mortgage because off because the servicer and foreclosing attorney have no interest and standing to process the payment and file the legal documents necessary to show that I paid the proper Lender IN FULL. As a result I am filing a complaint and need some explanation from the Lender and Foreclosure attorney as my consumer rights as an individual have been abused and neglected. Attached is a 2nd notice of Debt Validation and attached is an email from an attorney at Aldridge and Pite along with the payoff. I have received no other documentation from the firm as they refuse to send the documents necessary to validate the payoff.
04/25/2023	Yes	Mortgage Other type of mortgage	Incorrect information on your report Information belongs to someone else	GA 30045	Web
THIS IS NOT A DUPLICATE! I AM WRITING IN REGARDS TO COMPLAINT XXXX FILED UNDER MY WIFE XXXX XXXX WITH THE CFPB . PLEASE NOTE THE REASON WHY I AM ILING THIS COMPLAINT UNDER MY NAME IS BECAUSE THE CFPB PORTAL WILL NOT ALLOW MY WIFE TO PROIVDE AN OVERVIEW OF THE DESCRIPTION OF THE COMPLIANT. THE BOX WHICH ALLOWS ME TO PROVIDE THEIS INFORMATION WITHIN HER PORTAL WILL NOT OPEN UP. IT ; S AS IF SOMEONE MAY BE TAMPERING PREVENTING HER FROM ENTERING THE COMPLAINT. WE ARE WRITING IN REGARDS TO ALDRIDGE ITE LLC. WHO WAS OBTAINED BY XXXX BANK TO FORECLOSE ON XXXX XXXX XXXX XXXX, XXXX GEORGIA. MY WIFE DID CONTACT AP ONTODAY REGARDING THE LETTER DATED XXXX WHICH WAS RECEIVED TODAY, HOWEVER WE RECEIVED A LETTER FROM AP DATED XXXX ON ABOUT XXXX. AN UPDATE WS PROVIDED TO BOTH ENTITIES, ALDRIDGE PITE LLP INFORMD ME TO CONTACT XXXX, BUT THEY ARE THE LEGAL COUNSEL FOR XXXX XXXX XXXX. XXXX CONTACTED XXXX XXXX XXXX AND PROVIDED AN OVERVIEW AGAIN AND THEY WERE ONLY CONCERNED WITH GETTING THEIR HANDS ON ALL OF THE INFORMATION SUBMITTED TO FEDERAL DEPARTMENTS. AGAIN, IT IS VERY OBVIOUS XXXX BANK IS ATTEMPTING TO STAY AHEAD OF THIS CASE AND COVER THIER LIES AS THEY NORMALLY ATTEMPT TO DO. I INFORMED XXXX AND XXXX XXXX TO CONTACT THE US ATTORNEY GENERALS OFFICE IS THEY ARE IN NEED OF SUBMITTED DOCUMENTS. BOTH XXXX AND ALDRIDGE PITE XXXX MADE IT VERY CLEAR ALL DOCUMENTS NEEDED TO BE SENT TO THEM DIRECTLY, I INFORMED XXXX XXXX TO INFORM XXXX BANK TO MEET OUR DEMANDS BECAUSE IF WE GO TO COURT IT WILL NOT WORK TO THEIR BENEFIT. AM INDIVIDUAL NAME XXXX XXXX XXXX CONTACTED MY WIFE INQUIRING WHETHER OR NOT WE RECEIVED XXXX FROM A FORECLOSURE OF XXXX XXXX XXXX. XXXX GA XXXX. HE WAS INFROMED IT WAS NOT A FORCLOSURE THE HOME XXXX STOLEN BY THE US BRC TRUSTEE, WE ALREADY KNEW WHAT WAS TAKEN PLACE VIA THIS INDIVIUDALS CONTACT. ALDRIGE PITE WAS REPRESENTING XXXX MORTGAGE AND XXXX FOR XXXX XXXX WALK NAD LIED AND STATED IT WAS ABANDOND, WE ARE DISPUTING THE LOAN, MONEY AND ALL. EVERY KNOWS THIS IS FRAUD. SEE ATTACHED DOCUMENTS AND THE SICK RELATIONSHIPS. STRAIGHT RETIALTION BASED ON PREVIOUS REPORTS.
06/21/2016	Yes	Debt collection Mortgage	Taking/threatening an illegal action Seized/Attempted to seize property	GA 30349	Web	Older American
RE : previous complaint # XXXX 1. This Complaint is filed pursuant to XXXX - Unfair Practices, and is directed specifically at non-compliance by Alridge Pite, LLP. and XXXX XXXX XXXX XXXX hereafter XXXX XXXX 2. This complaint is related to a previous compliant recently filed with the CFPB, complaint # XXXX on XXXX XXXX, 2016. The complaint was submitted by the CFPB to Alridge Pite, LLP. and XXXX XXXX on XXXX XXXX, 2016. I receive notification on XXXX XXXX, 2016 that the parties had in fact received notification or communications form CFPB on my behalf. However, Alridge Pite, LLP. and XXXX XXXX failed to immediately stop all collection actions as required by FDCPA statute. 3. Whereas, A non-judicial foreclosure advertisement of a SALE UNDER POWER of our property had already been schedule for XXXX XXXX, 2016, as reported in previous CFPB complaint # XXXX on XXXX XXXX, 2016 and was recorded and published with XXXX Georgia XXXX ( Daily Report Public Notice paper ) on XXXX XXXX, 2016 by Alridge Pite, LLP. at the request of XXXX XXXX See EXHIBIT-A. 4. Please be advised that Alridge Pite, LLP. and XXXX XXXX is violating the FDCPA by failing to cancel or otherwise stop all collection action after receipt of the complaint from CFPB, including any pending non-judicial foreclosure scale action. they have failed to give the required good faith and fair dealing notification of cancellation as required. 5. Alridge Pite, LLP. and XXXX after receiving affirmative communications form CFPB on my behalf, they are continuing to communicating with us regarding a debt by post card through third parties urging us to modify a purported loan. 6. Alridge Pite, LLP. and XXXX, after receiving affirmative communications form CFPB on my behalf is continuing to make threats through XXXX XXXX Mail to take action that can not legally be taken. Conculsion I now ask this agency to issue an administrative DEMAND, compelling XXXX XXXX and Alridge Pite, LLP to comply with FDCPA requirement to cease collection in accordance with the Statute. and provide evidence thereof.
08/23/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
This is a cumulative and extensive history of harassment that has continued since XXXX by XXXX XXXX, XXXX XXXX XXXX, Aldridge Pite , LLP and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX to collect a paid-in-full debt from my parents estate. I have filed on the record extensive paperwork in regard to my private property in XXXX XXXX, Arizona. The debt was discharged in full and paid. XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX, XXXX. double dipping securities for funds, committing fraud and working in collusion with XXXX XXXX XXXX XXXX XXXX in Arizona have continued to find ways to break and enter my property through different companies, harass me, engage several companies to aid and abed to Securities Fraud and ignore documentation in honor to attempt to resolve this matter. We had the opportunity to resolve this matter peacefully and in honor and now I will and/or have filed with the Arizona U.S. District Court XXXX IRS, CID, Postal Inspector General, Treasury Inspector General, XXXX, SEC, FTC, CFPB, DIFI.AZ.GOV and others if necessary. I have extensive correspondence, recorded documents and exhibits aside from what is attached hereto in regard to these executor de son tort actions against my parents ' estates. My Affidavit Commercial Complaint against 6 corporations ( there are more involved ) includes Civil Rights Violations, Trespass & Harassment, Consumer Rights Violations, Violation of the National Currency Act of 1863 & 1864, 12 U.S.C. Sec. 38 the National Bank Act of 1863 & 1864, Title 18 U.S.C. Sec. 641 Unlawful Conversion of Public Records, Theft of Property, Title 18 U.S.C. Sec. 241 & 242 Conspiracy Against Rights, Title 42 U.S.C. Sec. 1866, 1983 and 1985, FDCPA Violations, Act of Eminent Domain Violations, AZCPA Violations, Scienter Act Violation and finally Securities Fraud. These companies include Aldridge Pite , LLP and/or d/b/a Clear Recon CorpXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX along XXXX XXXX XXXX XXXX as XXXX and XXXX XXXX XXXX.
11/16/2020	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30064	Web
On XX/XX/2020 I XXXX XXXX filed a complaint with your firm : Complaint Numbers : XXXX and XXXX. XXXX XXXX XXXX HAS NOT RESPONDED TO THE ORIGINAL COMPLAINT YET THE CLAIM WAS CLOSED AND THE PROBLEMS ARE CONCURRENT AND UNRESOLVED. To date, I XXXX XXXX have not received a response from XXXX XXXX from PREVIOUS federal complaint. XXXX XXXX XXXX are still attempting to illegally foreclose on my home. As stated on XX/XX/2020, XXXX XXXX XXXX purports to be the servicer of my home loan. They claim in writing that XXXX XXXX owns my loan yet when I call to verify whom owns my loan ; XXXX then claims XXXX XXXX XXXX XXXX. owns my loan. I have proof that neither XXXX nor XXXX XXXX owns my loan. ( attached ) XXXX XXXX XXXX then fires XXXX XXXX. as their foreclosure attorney and then hires Aldridge Pite LLP as of XX/XX/2020. XXXX does not have the authority to act as a servicer on behalf of XXXX or XXXX XXXX because ; XXXX and XXXX XXXX do not have interest in the loan/home. Wherefore, there actions are illegal and criminal. To be more specific these actions are considered illegal foreclosure, fraud and theft by taking. Aldridge Pite LLP will received proof from me that XXXX does not own my loan. I also asked the firm to validate the debt. Their actions ( XXXX XXXX and Aldridge Pite LLP ) could violate the FDCPA as well as the standard foreclosure procedures legally needed to foreclose on a home in the state of Georgia. In the state of Georgia ONLY THE SECURED CREDITOR CAN FORECLOSE. Aldridge Pite LLP are aware of the laws that govern Georgia Foreclosures. I would like Aldridge Pite LLP and XXXX to prove that XXXX owns my loan prior to them attempting foreclose which is my right to know. It is also my right to verify that the servicer of my loan and their 3rd party debt collector are collecting on behalf of the creditor of my home loan. This also puts me at a disadvantage as whenever my wife and I TRY RELIEF PROGRAMS WE ARE DENIED BECAUSE THE ADVOCATION AGENCIES CANT VERIFY WHOM OWNES MY LOAN.
05/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 326XX	Web
UNLAWFUL DEBT COLLECTION performed by Aldridge Pite LLP, NOT Aldridge Pite XXXX, which is their debt collection section/company. As far as I can read under services on XXXX XXXX XXXX website, they do not offer debt collection as far as I can read, but their XXXX company does. I therefor doubt that they even have the license to collect debt in the state of Florida. On XX/XX/2019 XXXX Pite send me a debt collection letter. Actually, there was 2 letters in the same package. Both letters are unlawful debt collection letters which was regarding a Prime Equity line of credit, with XXXX XXXX. This line of credit was taken out by my ex-husband, and he was the borrower, not me!!. In the letters they list me as the borrower which is more than false, a direct lie is more accurate. Also their total amount calculation in the letters, are specified different. This specification is not documented. I see that this is not the first time that Aldridge Pite practice unlawful debt collection, and we plan on a lawsuit, but also have other matters with this corrupt company, which I'm not ready to disclose at this moment. Both letters are attached..! I have tried to get information from Aldridge Pite and all correspondence is attached with this complaint. Aldridge Pite DOES NOT acknowledge the fact that I AM NOT THE BORROWER. They also do not provide my requested information, and that includes Aldridge Pite not providing their debt collection license for the state of Florida. I am sure that you will find this to be a critical case of unlawful debt collection and I am looking forward to your response. Also I am more than willing to work with CFPB supplying more information/documentation if needed. I hope that CFPB is a XXXX XXXX, that can assist hard working Americans who is wrongfully treated by Banks, lawyers and other " mastodons ''. I am NOT allowed to ROB A BANK, but it seems that the banks ARE ALLOWED to rob me, or at least try!
08/22/2023	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91505	Web	Older American
The alleged Trustee is threatening us with foreclosure but has still not provided the requested information regarding the note. We sent him the following QWR : XXXX XXXX XXXX Supervising Attorney Aldridge \| Pite, LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Main Office : ( XXXX ) XXXX Direct Dial : ( XXXX ) XXXX Direct Fax : ( XXXX ) XXXX XXXX www.aldridgepite.com Dear XXXX XXXX : My Family is contacting you directly because you and/or your company XXXX are claiming to be the Trustee of the DOT without providing us any evidence and we are attempting to avoid filing a lawsuit. As you know we doubt you may or may not have the original note, but that is not what is being disputed. XXXX XXXX paid value for the debt and was never named to the Note, as of XX/XX/2022. Out of all of the Notes exhibited into the court records, the Note filed into the BK court had an incomplete stamping which is being called a blank indorsement in which that you are claiming possession of the Note. Any one can claim possession of the Note at this point, however, that does not mean that anyone has acquired rights of enforcement. In fact, the only statute in which one would acquire rights of enforcement is Cal. Com. Code 3203. The Payment Stream ( The Debt ) is owned by the Guaranteed XXXX Pass-Through Certificates XXXX XXXX XXXXXXXX XXXX XXXX, and no one has shown that they have paid the trust the full value to take the debt out of the trust. Until that happens, the debt still lies with that trust. Someone may show up with the Note, however that does not prove that they have paid the full value for the Note. Where is the sale and purchase agreement from XXXX XXXX to whom ever purchased the debt out of the trust? There is no evidence. As you are aware the CFPB and FBI is being copied on this email and that is why we are asking your to clear this up now.
03/17/2022	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30068	Web	Servicemember
XXXX XXXX along with Aldridge and Pite are attempting to collect on a debt/foreclose on subject property ( XXXX XXXX XXXX XXXX ) illegally. The first problem, XXXX does not know, nor have they verified the current and rightful owners of the property. Therefore, they are foreclosing in the wrong Homeowners names, while failing to serve the rightful owners of the property, prior to advertising a foreclosure sale. XXXX, XXXX claims to work on behalf of The XXXX XXXX XXXX XXXX XXXX ( the alleged creditor ). Aldrige and Pite claims to work as a Power of Attorney for The XXXX XXXX XXXX XXXX XXXX on behalf of XXXX. However, XXXX has claimed on several occasion that their firm does not own the property or the loan. Per the Supreme Court of Georgia, only the secured creditor can foreclose. The XXXX XXXX XXXX XXXXk XXXX is not the secured creditor, nor have they invoked XXXX or Aldridge and Pite to collect a debt. We also had a Licensed Financial Private Investigator cross reference our findings please see attached. XXXX has also instructed our homeowners ' insurance company to discontinue our decade plus old policy. Please see attached. XXXX and Aldridge and Pite are engaging in illegal and fraudulent activity that is causing irreparable harm. We the rightful owners of the subject property have retained legal counsel. XXXX, XXXX refuses to acknowledge or communicate with legal counsel, hired to amicably resolve all matters surrounding the account. XXXX, XXXX in connection with Aldrige and Pite are attempting to sell illegally converted stock instruments, represent entities that have no interest in the subject property, perform an illegal foreclosure, theft by taking personal property, false and misleading representation, ignore homeowners counsel while interfering with their constitutional rights through deception, theft and fraud.
08/22/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90403	Web
Since the beginning of 2019, the attorneys at Aldridge Pite have withheld a detailed accounting of the fees and charges that have been added to my mortgage loan which originated with XXXX and was transferred to XXXX without me being notified. Moreover, XXXX is suing me in Florida 's XXXX CountyXXXX Judicial Court, Case No. XXXX and Aldridge Pite represents them in that action. For the past 4 months my attorneys and I have asked for a detailed accounting of all the charges the two banks and the law firm have assigned to my loan. To date XXXX, XXXX and its attorneys have failed to provide this information which I am entitled to under the law. I have written countless emails disputing the payoffs amount they have sent to a third party. However, their lawyers will not release the details of the charges added to my mortgage loan. Finally, XXXX, XXXX and its attorneys released my loan information to a third party ; this was done without a written authorization signed by me allowing them to publish and share this information with the third party. While willing to share this information with a 3rd party they have failed to provide me with a detailed accounting of all the charges and fees they have added to my mortgage loan. Moreover, the attorneys at Aldridge Pite claim that an email that I sent which was not a release for information, was sufficient for them to give me loan information to a 3rd party and I dispute that claim. In short, XXXX, XXXX and Aldridge Pite have engaged in deceitful, unscrupulous and unlawful conduct regarding my mortgage loan and I am requesting that your bureau investigate and censure them.
07/05/2016	Yes	Debt collection Mortgage	Taking/threatening an illegal action Seized/Attempted to seize property	GA 30349	Web
1 This COMPLAINT is a demand for a cease and desist of continuous attempts and efforts to exercise a sale under power of our property where there is no present legal right to do so. Alridge Pite LLP aka XXXX XXXX XXXX, are violating the state of Georgia statute and the Fair Debt Collection Practice Act and The Fair Credit Reporting Act. This cease and desist demand is based upon the following Violations : Pursuant to FDCPA 15 U.S. Code XX/XX/XXXXe - False or misleading representations and Pursuant to The Fair Credit Reporting Act. 2. Whereas, You have personal knowledge that, Alridge Pite LLP aka XXXX XXXX XXXX, has committed XXXX civil and criminal offences. 3. Whereas, an attorney with your firm created and caused to be recorded in the borrowers property records of XXXX XXXX Georgia XXXX separate sworn affidavit testifying under oath to a set of facts to which the affiant did not, and could not have personal knowledge of because the affiant/attorney was not present at the purported loan closing on XX/XX/XXXX. It is an unlawful act for the foreclosing law firm, who happens to be a debt collector for the alleged servicer XXXX XXXX XXXX XXXX XXXX XXXX, to fabricate fact and thereafter record the fabricated facts/documents in XXXX XXXX records for the sole purpose of facilitate a non-judicial foreclosure, ( that is extortion and is a felony ). the language on the face of the affidavit is clearly unlawful. WHEREFORE, we demand Alridge Pite LLP aka XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX cease and desist any further collection immediately.
02/05/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA XXXXX	Web
On or around XX/XX/2017 ALDRIDGE PITE LLP and agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, filed a adverse action claiming a Business has appointed him attorney in fact to seize my personal property which is used for household purposes. They have stolen my identity and created fictitious documents. I had a private agreement which these people and entities are not privy to, but somehow they have all my information including my social security number. XXXX XXXX XXXX was the complaining party stating the business entity XXXX XXXX XXXX XXXX, XXXX, DBA XXXX XXXX, NOT INDIVIDUALLY BUT AS TRUSTEE FOR XXXX XXXX XXXX XXXX submitted an affidavit swearing to own my household goods ( Home ) which they have no security interest. XXXX XXXX XXXX has also used my name without authorization or consent or any contract whatsoever claiming that I a natural woman gave a business XXXX XXXX XXXX XXXX XXXX in California power of attorney to act on my behalf. No such document exist! furthermore a business can not be appointed attorney in fact or power of attorney for a natural woman. Another agent by the name of XXXX XXXX. XXXX Bar # XXXX is also claiming the same and has send threatening mail to my domicile for a fictitious obligation. I have sent the firm a trespass warning and they continue to violate my rights by submitting fraudulent documents on the public record. These people are debt collectors and I requested the contract that they claimed exist and they refuse to comply and now i am homeless due to their treasonous actions.
06/23/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95076	Web
Dear CFPB, Under my private rights of action and administrative process I want to report that Clear Recon Corp. Debt Collector and Foreclosure Trustee has repeatedly ignored and has failed to respond to my Qualified Written Request and Dispute of Debt and Validation of Debt Demand Letter dated XX/XX/XXXX sent Certified Mail # XXXX. I never contracted with Clear Recon Corp at any capacity and have never had any business relationship verbal or written. In addition, I want to inform Clear Recon Corp that the XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX, corresponding to my property at XXXX XXXX XXXX XXXX XXXX, CA XXXX were created without my authorization and through identity theft of my personal and private information. The Second Notice of Fault in Dishonor and Opportunity to Cure was served to Clear Recon Corp.on XX/XX/XXXX Certified Mail # XXXX XXXX. The Third Notice of Default in Dishonor, Discharge of Obligation to Pay Instrument was served to Clear Recon Corp. on XX/XX/XXXX including my Notarized Affidavit of Non Response Certified Mail # XXXX. Fourth, you will find a notarized Affidavit of Non-Response from XXXX XXXX XXXX served to Clear Recon Corp.on on XX/XX/XXXX Certified Mail # XXXX. Attached please find the above mentioned demand letters and notices for your confirmation and records. Respectfully, XXXX XXXX XXXX
08/11/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 960XX	Web
My mortgage company hired their own substitute trustees who effectively helped them steal my house! And I believe they breached their fiduciary duty by failing to act in a fair manner! They not only didn't do their own research to even see if the bank actually held the loan on my house which I don't believe they did or that maybe it was paid off when the original borrower died, but they followed suitin not talking to me at all about anything and treated me as if I had stole the property when I deeded it to myself to get all the deceased people 's off it. Then they refused to let the program " Keep Your Home California '' pay them off and wouldn't issue the surplus money to me saying they would spend every last dime of it if they needed to find my companions son, and only if he didn't want it would I even have a chance. Then they straight up treated me as if I stole the property when I needed itto myself in an attempt to drop all the deceased people and get them to talk to me. Ultimately the funds were deposited with the courts for them to distribute after they had taken as much as they possibly could leaving me to patition the courts over 8 months later for it. And my question is why did they treat this whole thing like it was personal and why did they treat me so unbelievably cruel?
09/03/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	WA XXXXX	Web	Servicemember
CLEAR RECON CORP with XXXX and XXXX are engaged in CRIMINAL ACTIVITY : CONSPIRACY, HARASSMENT, EXTORTION, and FRAUD ; against the consumer. In XX/XX/2019, the consumer rescinded an unsecured loan with XXXX XXXX due to a breach of trust. Accordingly, all trust relationships were legally terminated under the Void ab initio and fraud vitiates everything Doctrine. See Exhibit-1. There is No loan - legally rescinded ; There is No lien - legally released ; There is No deed of trust - legally terminated ; and There is No controversy with the deed - legally re-conveyed. FRAUD : 1. This account was opened without the consumers knowledge and without the consumers consent. 2. The consumer DID NOT request to open this account and the consumer DO NOT have a written agreement to open an account with CLEAR RECON CORP ( no communication ; no signature ). EXTORTION 1. The consumers first contact with CLEAR RECON CORP was a fraudulent notice of default. 2. CLEAR RECON CORP claims to be a Trustee, but the consumer is not aware of any appointment of this fraudulent creditor/trustee. The consumer is seeking relief from the ongoing conspiracy, harassment, extortion, and fraud.
07/20/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 95630	Web
Clear Recon Corp., as the supposed duly appointed Trustee for Deed of Trust recorded XXXX/XXXX/XXXX in Book XXXX, Page XXXX of the Official Records XXXX, is trying to foreclose based upon loan modification documents that were forged by XXXX XXXX Bank whose primary objective has been to force all XXXX Pick-a-Payment loan borrowers into foreclosure since at least XXXX. The XXXX XXXX XXXX 's office has no records of any transfers or re-assignments of either the original Beneficiary or Trustee. The Beneficiary that is still in place is XXXX XXXX Bank. The Trustee still in place is XXXX. I have checked with XXXX, XXXX XXXX and XXXX for the current ownership of the loan being foreclosed upon. XXXX and XXXX XXXX both deny ownership via their online verification system. XXXX also has no record of this loan onn it 's online database. Clear Recon Corp. and XXXX XXXX will not produce documents verifying the current legal Beneficiary or Trustee when requested. Clear Recon Corp. will not respond at all, other than to send multiple copies of the Notice of Trustee Sale with an updated sale date.
09/17/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA XXXXX	Web
Dear Clear Recon Corp, The dispute of lien amount has not received a response, requested prior. A notice of trustees sale was recorded XXXX/XXXX/XXXX - the amount was disputed in the NOTS is recorded in error. I have not received the corrected accounting and the lien still remain in error. The additional request is whom is the beneficiary of the lien amount? As well as who is the property owner of record on title sale guarantee policy ( TSGP ). Four payments were made in XXXX with approximately XXXX going toward principle. As well as late payment of approximately XXXX - there were no late payments in XXXX. There are also multiple charges for property review however for some dates there was no property review. The additional request included copies of assignment ( any/all ). I am concerned my payments were not applied to account as I was told payments would be but instead written off prior to transfer of servicing
12/11/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	CA 92841	Web
Please refer to the attached Cease and Desist Order pursuant to 15 USC 1692 g 5b. Aldridge Pite LLP are debt collectors and not attorneys. They hold bar cards but spend most of their time filing fraudulent paperwork against homes of Americans who dispute their alleged interest in our homes and then steal homes across America regardless of the serious title issues. I am now one of their victims. I have asked XXXX XXXX and Aldridge Pite LLP to provide me the Account Loan Data from Original lender and they have refused to abide to 15 USc 1692 g. I am in the middle of Quiet Title and I do not have the time or resources to deal with unethical debt collectors. If they provide the account loan data from original lender - I am willing to talk but not to strangers who file fraud paperwork to steal -- and file documents w/out my authorization pursuant to 15 USC 1692c.
09/08/2016	Yes	Debt collection Mortgage	Taking/threatening an illegal action Seized/Attempted to seize property	GA 30052	Web
AldridgePite LLP ( XXXX foreclosure attorney, located in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX ) foreclosed on my house while under bankruptcy protection. Bankruptcy was filed on Friday XX/XX/2016 and house was sold by XXXX XXXX XXXX on Tuesday XX/XX/2016. I have attached the email that my agent that was helping me with a shortsale with wellsfargo sent me stating that they receive a call from XXXX stating that the house was sold on Tuesday XX/XX/XXXX. I called the foreclosure attorney 's office and they told me yes the house was sold to a third party. I ask for the name of the party and the amount it was sold for. They told me it was private information that could n't be released to me. I contacted XXXX and I was told the same as Aldridge.
04/25/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL XXXXX	Web	Older American, Servicemember
Aldridge / Pite, LLP is a third party debt collector with absolutely no authority to represent XXXX XXXX XXXX. as Trustee forPlaintiff, in the court file or in the record anywhere and according to FL Stat 2.505 ( e ) ( 2 ), Appearance of Attorney : an attorney may appear in a proceeding in any of the following ways : ( 1 ) by serving and filing, on behalf of a party, the party 's first pleading or paper in the proceeding. ( 2 ) By substitution of counsel, but only by order of court and with written consent of the client, filed with the court ... Aldridge / Pite, LLP Law Firm are third party debt collectors, trespassers and interlopers and thieves trying to steal my home. They are not registered with the Florida Office of Financial Regulation or the State of Florida.
07/11/2018	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	FL 33029	Web
Since XX/XX/2008 my home has been a subject of illegal foreclosures attempts. On the first one the Bank/Servicer/Investor or whatever they were, stated that my mortgage note was destroyed or lost. Since then 2 other Bank/Servicer/Investor tried to do the same but all cases have been dismissed in court. Now a Trust that its not even listed at the Securities and Exchange Commission just filed another attempt : XXXX XXXX XXXX XXXX, XXXX as Trustee of XXXX XXXX XXXX XXXX XXXX. I have requested the Servicer XXXX XXXX numerous times sending a Qualified Written Request to find the real owners of my Mortgage since I would like to negotiate with them. They ignored my requests. Please you are my last resource.
07/22/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AK 995XX	Web	Servicemember
A pretend-trustee named XXXX XXXX XXXX registered in many states, based in XXXX XXXX California, is foreclosing illegally on my home. They have never produced any evidence that they have authority to foreclose, and have not even filed an appearance in my current Alaska Bankruptcy Case # XXXX, and have not even filed a Proof of Claim. This purported trustee is not representing any named trust and is not an actual trustee of any IRS registered trust that holds my mortgage, and has not produced any evidence to this effect. No assignment of the mortgage on my home to XXXX XXXX XXXX was ever recorded or claimed, or even pleaded by XXXX XXXX XXXX to this day.
08/29/2019	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	TN 38125	Web
Law firm sent me a notice of property foreclosure sale for my 2nd mortgage. I have not received notice of the debt or notice to validate the debt. There is a property foreclosure sale date set for XX/XX/2109 for my property. I also did not receive a 30 day notice by mail per the Tennessee state law. Letter is dated XX/XX/2019 but I did not receive the letter until XX/XX/2019. They are trying to foreclose on my first mortgage and I'm current with my first mortgage with a different mortgage servicer. 2nd mortgage is the delinquent mortgage, instrument number in the letter is for my 1st mortgage and not my second mortgage.
08/03/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 95630	Web
Mortgage Servicer has not accounted for payments received and disbursed from my mortgage escrow account properly since XXXX XXXX through XXXX XXXX and is requesting a foreclosure via Aldridge Pite LLP when it appears that approx. {$10000.00} of my funds paid and received as acknowledged by the Mortgage Servicer are unaccounted for in the escrow account. I want to know where the approx. {$10000.00} went. I do n't believe Aldridge and Pite LLP has been provided a true accounting of my mortgage balance or escrow account balance and are proceeding with a foreclosure based upon cooked books created by the mortgage servicer..
10/04/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	GA 30045	Web
I AM REQUESTING ALLL DOCUMENTATION FROM Aldridge Pite LLP FROM XXXX. THIS INCLUDES ANY ALL ALL COMMUNICATION REGARDING XXXX XXXX XXXX XXXX, XXXX GA XXXX, XXXX XXXX XXXX XXXX, XXXX GA XXXX AND XXXX XXXX XXXX, XXXX GA XXXX. IN ADDITION, I AM HIGHLY RECOMMENDING ALL DOCUMENTS, LETTERS ETC BE SUBMITTED IN IT'S ENTITRETY MEANING ORIGINAL CONTENT, ORIGINAL DATE AND ORGINAL SIGNATURE. UNDER NO CIRCUMSTANCE SHOULD ANY MODIFICATION TAKE PLACE OR ANY DOCUMENTATION LEFT FOR SUBMISSION. SPOUSE 'S BANKRUPTCY NUMBER XXXX. RETAILIATION BY ANY PARTY IS NOT ENCOURAGED AS WE ARE RECEIVING MESSAGES REGARDING DEATH INDIRECTLY VIA MAIL
08/02/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	CA 92584	Web	Servicemember
Received two letters in the mail, one addressed to me ( name spelled incorrectly ) and one addressed to the occupants of my home address. The date executed on paper states XX/XX/XXXX. The letter is informing that my property will be sold if the amount of {$21000.00} isnt paid within 90 days. In the paperwork the notice is given by Clear Recon Corp and the deed trust dated XX/XX/XXXX, executed by XXXX XXXX, AND XXXX XXXX XXXX. This looks like an old debt that these two people never paid when they used to own the house. I purchased this home on XX/XX/XXXX. All my finances are current and up to date
07/25/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Seized/Attempted to seize property	CA 92683	Web
I was in receipt of a letter dated XX/XX/2016 signed by XXXX who works for Clear Recon Corp. This letter of debt and documents attached are disputed in its entirety. I am working with a single point of contact from XXXX who is XXXX. The Home owner bill of rights statute of conditions precedent are still pending. I have attached a letter that will be sent to XXXX who works for Clear Recon Corp. This is to stop all collections Pursuant to FDCPA 15 USC 1692c to cease communication with consumer and any further attempts to collect a disputed debt that Clear Recon Corp. alleges.
03/29/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA XXXXX	Web
My house has already gone through the process of foreclosure. I was notified by my insurance company that XXXX requested to be added to my insurance account just a few days ago. Afterwards, I contacted XXXX and from there learned that Superior Court already had documents pertaining to a foreclosure, but I 'm still in the home. I picked up documents from a case that was filed and documents that show XXXX and others holding my title at this time, and I was never notified. The filing process started back in XX/XX/2016. Please see documents attached.
07/04/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	CA 95070	Web
All actors have been fired, yet still, the agents and actors are attempting to extort monies and property from me. In addition, all alleged debts, have been on national level, released, see 2nd attachment, on page 2, A5 highlighted in red for easy detection, " XX/XX/XXXX, 2017 : XXXX/XXXX is accepted worldwide and new elections will be announced replacing the removed dark ones with the introduction of Common Law in governments and courts everywhere. ''
03/25/2016	Yes	Mortgage Reverse mortgage	Settlement process and costs	IN 46227	Web
I am a XXXX NMLS # XXXX - XXXX XXXX - I have been working with XXXX XXXX to secure a reverse mortgage for him. He has a Georgia XXXX XXXX loan that is a year old. There was not enough money to pay it off - so in XXXX I asked them if they would subordinate - they said they would. I proceeded to have XXXX XXXX pay for an appraisal & we are moving to close the loan & now they are saying they will not subordinate. That is not ethical - I need your help.
06/09/2017	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85051	Web	Servicemember
THE PROPERTY OF XXXX XXXX XXXX XXXX, AZ WAS OWNED BY MY OWNED WHO PASSED AWAY XX/XX/XXXX. XXXX XXXX DID NOT ALLOW ME TO PURCHASE THE PROPERTY INSTEAD LED IT TO FORECLOSE. I PAID ALL THE TAXES AND INSURANCE FOR YEARS. TO DATE THE FORECLOSING COMPANY DID NOT SEND PROPER NOTICE OF THE CURRENT FORECLOSURE SET FOR XX/XX/XXXX AT XXXX. MY MOTHER HAD XXXX 2 YEARS PRIOR TO THE ORIGINATION OF THIS LOAN. ALL DISBURSEMENT OF FUNDS ARE UNKNOWN.
10/12/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	OR 97015	Web
XXXX XXXX XXXX XXXX Is creditor, " not '' XXXX XXXX XXXX XXXX, XXXX doing business as XXXX XXXX. As of XXXX 2014, when XXXX XXXX XXXX SOLD THE LOAN to XXXX XXXX SERVICES called LOAN POOLS! XXXX POOLS WERE ACCUIRED BY XXXX XXXX XXXX XXXX " NO " LETTER OF TRANSFER " HAS BEEN RECEIVED FROM XXXX XXXX XXXX XXXX. AND FEDERAL LAW STATES THAT : " A LETTER OF TRANSFER IS A REQUIREMENT ". I DISPUTE AND DO NOT AGREE WITH ANYTHING!!!!
10/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30068	Web
I had a loan with XXXX XXXX XXXX they transferred it too XXXX on XXXX XXXX, 2016 on or around XXXX XXXX, 2016 I received a letter from Aldridge Pite stating that they are attempting too accelerate my loan. However, I never received a payment coupon, accounting, offer of loan modification, deed in lieu or short sale. This is illegal activity and I need your firm to investigate immediately!
03/14/2023	Yes	Mortgage Other type of mortgage	Closing on a mortgage	CA 95482	Web
The companies are not willing to talk with me regarding their actions to file a notice of Default in a old intrest only home loan in XXXX. They disconnected my call to the company regarding there notices of default. XX/XX/XXXX was first letter regarding notice of default on my property. They are saying amount owed is {$180000.00}. that is to be collected.
07/07/2023	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91505	Web	Older American
We sent the alleged XXXX Clear Recon Corp ( CRC ) a request to investigate the documents in person and they have failed to reply. We sent them the attached Subpoena and they have not responded. Please help us obtain the documentation requested in order to inspect it properly.
09/29/2016	Yes	Debt collection Mortgage	Taking/threatening an illegal action Seized/Attempted to seize property	TX 751XX	Web
Aldridge Pite LLP an alleged Attorney Firm, but debt collector defined in the FDCPA along with XXXX XXXX, XXXX XXXX and XXXX Mortgage has criminally engaged in acts of violence, abuse and harassment physically against the named consumer and her family, household.
07/18/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 90731	Web
I filed for bankruptcy chapter XXXX on XX/XX/XXXX and the house I own in that time was discharged on XX/XX/XXXX. I filed chapter XXXX bk on XX/XX/XXXX and the company XXXX XXXX is trying to include this discharged debt on this bankruptcy.
05/26/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AK XXXXX	Web	Older American
Clear Recon Corp filed on XX/XX/XXXX a non judicial notice of default and sale on my home with a 10 years old stated default date on XX/XX/XXXX, years time-barred past the Alaska statute of limitations on mortgages.
12/11/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91352	Web	Older American, Servicemember
During XXXX XXXX, XXXX XXXX XXXX paid their attorney {$1500.00} to file Bankruptcy in order to stop the sale date of my home. XXXX XXXX is foreclosing on my home and has set a new sales date of XX/XX/22.
01/03/2024	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NV 89121	Phone

05/26/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 99201	Web

05/19/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 30045	Web	Servicemember

05/11/2023	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30121	Web

05/08/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 32327	Phone

04/23/2023	Yes	Mortgage Other type of mortgage	Incorrect information on your report Information belongs to someone else	GA 30045	Web

12/10/2022	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 92026	Web

12/07/2022	Yes	Debt collection Mortgage debt	False statements or representation Indicated you were committing crime by not paying debt	CA 91505	Web	Older American

03/31/2022	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	CA 94619	Web	Older American

03/16/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	CA 95833	Referral

03/13/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91352	Referral

03/10/2022	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	CA 91352	Referral

03/10/2022	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	CA 91352	Referral

12/14/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	HI 96721	Phone	Older American

10/11/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 31021	Web	Servicemember

08/25/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	FL 33319	Phone

06/08/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	FL 33319	Phone

06/02/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	CA 93012	Web

05/12/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 33319	Phone

01/26/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	FL 33319	Phone	Older American

06/24/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WA 98058	Postal mail

04/09/2020	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	AK 99687	Referral	Servicemember

12/16/2019	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 90047	Web	Servicemember

11/19/2019	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30083	Web

12/31/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92841	Fax

11/14/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NY 10021	Referral

09/21/2018	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	WA 98116	Referral

08/01/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 93312	Phone

07/03/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30075	Web

04/26/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92240	Referral

03/02/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 96029	Phone

02/09/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 95838	Referral

12/21/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 92570	Referral

11/10/2017	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30349	Web	Older American

10/06/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 92373	Referral

08/23/2017	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	CA 90019	Postal mail

08/07/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 91770	Fax

07/21/2017	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	GA 30327	Referral

06/26/2017	Yes	Debt collection Mortgage debt	False statements or representation Indicated you were committing crime by not paying debt	GA 30319	Referral

06/22/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	WA 98033	Postal mail

06/08/2017	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	LA 70817	Postal mail

06/06/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30296	Postal mail

04/11/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 95661	Web

03/27/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 95661	Web

03/16/2017	Yes	Debt collection Mortgage	False statements or representation Attempted to collect wrong amount	WA 98203	Fax

02/28/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30536	Referral

02/15/2017	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 93101	Postal mail

02/06/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92240	Phone

02/02/2017	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 95330	Referral

01/17/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 91770	Fax

12/22/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90220	Referral

12/19/2016	Yes	Mortgage Other mortgage	Other	GA 30349	Postal mail

12/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 32082	Referral

12/06/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt		Fax

12/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	HI 96789	Referral

11/07/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 76210	Postal mail

11/03/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90008	Referral

11/02/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	GA 30274	Postal mail

10/24/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	GA 30350	Postal mail

10/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 90213	Web

09/19/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	OR 97526	Referral

09/02/2016	Yes	Mortgage Other mortgage	Other	CA 94016	Referral

09/01/2016	Yes	Debt collection Mortgage	Taking/threatening an illegal action Seized/Attempted to seize property	GA 30014	Web

07/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NV 89027	Referral

06/29/2016	Yes	Mortgage Other mortgage	Other	GA 30076	Postal mail

06/02/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 90016	Postal mail

05/11/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 92011	Referral	Older American

05/11/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	GA 30014	Web

05/11/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	GA 31313	Postal mail

04/20/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 90740	Referral

04/19/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 98272	Postal mail	Older American, Servicemember

04/04/2016	Yes	Mortgage Other mortgage	Other	GA 30253	Referral

04/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 31404	Web

03/28/2016	Yes	Mortgage Other mortgage	Other	CA 94903	Postal mail

03/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92114	Web	Servicemember

02/26/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 93105	Referral

02/22/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 91770	Fax

02/19/2016	Yes	Mortgage Other mortgage	Other	CA 91106	Postal mail

01/25/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30252	Referral

01/25/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91325	Referral

01/25/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91325	Referral

01/15/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91325	Referral

01/12/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91325	Referral

12/10/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 93546	Referral

12/09/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 93101	Fax

11/13/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 93101	Referral