Bonial & Associates, P.C CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
03/31/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • TX
  • 77057
Web
This is a complaint against unlawful actions by XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 XXXX XXXX XXXXXXXX, Texas, and it's agents under the color of law. They are all complicit in and responsible for profiting off of endangering my life and bringing severe harm to me and my financial reputation. The conspiracy begins with XXXX reporting negative information to my consumer report that defames my character and financial reputation. They failed to provide me the proper forms to opt out of having such negative and harmful information from being furnished to my report. They directly or indirectly transferred my nonpublic personal information to third party debt XXXX in an attempt to extort me and ruin my life. Because they posted this negative information to my consumer reports, multiple third-party debt collectors gained access to my nonpublic personal information and used it against me to make me homeless, for unjust enrichment. Attorneys XXXX XXXX XXXX and XXXX XXXX XXXX with law firm XXXX XXXX XXXX XXXX XXXX and attorneys XXXX XXXX XXXX and XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX in XXXX, Texas, and XXXX XXXX, a licensed real estate broker with XXXX XXXX XXXX started harassing me in connection with collection of an alleged debt, and falsely misrepresented themselves as " representing '' XXXX XXXX XXXX Bank, XXXX and XXXX Bank XXXX XXXX. These attorneys & real estate agents then unlawfully used public funding to commit fraud and other private crimes, including abusing & simulating legal process under Section XXXX of the Texas XXXX XXXX [ under the regulation of HUD ] to prosecute me in XXXX XXXX XXXX XXXX for " Forcible Detainer '' which is lawfully intended for a rightful owner of property to recover property they have lawful possessory rights to. They did this with the ulterior motive of acquiring my private property for the first time without ever proving they had lawful possessory rights to the property. They used forged documents to perfect their forged title under the guise of a legitimate " sale '', without ever presenting the court with valid admissible evidence of their claim on the record. They submitted several other forged documents on the public record with intent to defraud me into believing they had lawful authority to prosecute on behalf of national banks pursuant to Texas Rule 12. One titled Limited Power of Attorney and another, Affidavit of XXXX XXXX. XXXX XXXX of XXXX and its agents then allowed all of this fraud to happen by allowing these attorneys to testify as counsel without ever bringing a competent witness to verify their allegations under the penalty of perjury to be cross-examined by me, despite me entering on the record several challenges and objections. By law under Texas Statute a county has the power to buy, hold, sell, and lease property owned by the county. The record does not reflect my private home ever being owned by the county, or for public use, therefore XXXX XXXX should have never allowed private corporate agents in agency to intervene with my property and federally protected civil rights, for personal financial gain. The writ of possession they issued to the constables lacked certification and legitimacy for many reasons, but the most important being it was not signed and it was requested by XXXX based on an order from Judge XXXX XXXX XXXX who was disqualified by law for failing to follow proper due process of sending notice to the Secretary of the Treasury a notice of fiduciary duty, making her judgment null & void. This is proof the County is evading taxes for opening a case [ account ] in my name without my consent and without notice to the Treasury. They are not tax exempt and should be held accountable for their actions. Agents of the county then sent other agents in uniform with weapons to come to my home and use threats, intimidation, and violence to swindle me out of a safe place to call home. These actions by all parties constitute a pattern of Racketeering activity by conspiracy and extortion. XXXX XXXX XXXX, XXXX has been notified in writing of my request for " validation of the debt '' and audit of the account from its consummation so that they all may remedy their wrongdoings. I look forward to being provided documentary evidence with verified books of account proving they gave me something of value, to justify the fact that I, and all of my belongings were thrown out on the street. If they are unable to provide proof of the accounting records, accounts receivable, and wire transfer receipt in connection with the alleged " loan '', then I was made homeless by negligence and criminality of law, and XXXX XXXX XXXX, XXXX & all others will be held liable for their crimes of conspiracy, extortion, unlawful taking, financing and collection of extortionate extensions of credit, etc. No just compensation was given to me for the taking of my private property and I am still homeless against the legislative intent of HUD for preventing homelessness. Most of these agents under the color of law have [ or should have ] a sworn oath of office with the Secretary of State swearing to defend and uphold the Constitution, which would mean, by their actions, they are warring against the Constitution for violating my First, Fourth, and Fifth amendment rights.
02/26/2017 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • CA
  • 95391
Web
XXXX hired a retired XXXX and XXXX, as well as XXXX, whom determined they where victims of mortgage fraud. They actually did not recieve a mortgage or loan invalidating the claim of BUCKLEY MADOLE, PC. From a hand writing expert that determine XXXX XXXX of Deed of Trust was done fraudulently, so forfeited notary bond to XXXX and is no longer is notary. XXXX determined for last 8-9 years XXXX of XXXX county has been practicing law from the bench a high misdameanor, Most all public servants pensions are based on fraudulent mortgage backed securities about 63 %. Also, XXXX did not have XXXX form or XXXX on file as required by law. Thus, all preceding were done without impartiality, jurisdication or authority, and are void, not voidable. Thus, XXXX was treated as MONEY and was monetized and cashed paying off house immediately, Money that XXXX created providing the signature as per XXXX, XX/XX/XXXX. Thus the DEED of TRUST was never active from the terms and conditions. And Conversion Fraud, and Mail Fraud have taken place, XXXX, XXXX, AND XXXX, AND XXXX, XXXX, AND XXXX WERE all put into a government conservator-ship. This process was set up from the XXXX and XXXX. Using XXXX ( XXXX ). and XXXX whom never loaned XXXX anything. They had XXXX sign a security instrument, but the people doing the fraud were not licensed to sell securities, apparently not an agent of XXXX either and included their incorrect legal name on the paperwork. This was all orchestrated by XXXX, that is owned by XXXX, XXXX have asked them already for their errors and omissions insurance carrier but they have been non-compliant. XXXX IS owned by XXXX All have been involved with a corrupt network of XXXX fraud. So much for buying worthless title insurance. XXXX also worked with XXXX to presumably table fund the loans as a deposit which is illegal and unlawful. All of this illegal activity since XX/XX/XXXX has happened with the government knowledgeable since the fraudulent entities filed XXXX forms with the SEC XXXX database canceling the tax exempt trust no more then one year after it was set up XXXX database canceling the tax exempt trust no more then one year after it was set up for tax evasion of the money or conversion payments. HOME was paid off immediately by NOTE that was monetized with XXXX, then the party took out additional loans from XXXX. We should be able to file a claim against BUCKLEY MADOLE, PC, and XXXX XXXX, XXXX, AND XXXX. XXXX sent the common law copyright notice and Affidavit and Notice to provide proof of claim FOR XXXX COMMOM LAW COPYRIGHT VIOLATIONS. BUCKLEY MADOLE, PC XXXX XXXX, CA XXXX
02/26/2017 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • CA
  • 95391
Web
Hired a retired XXXX and Attorney that determined mortgage fraud took place. Hired a hand writing expert that determine Corporate Assignment of Deed of Trust was done fraudulently, so forfieted notary bond to XXXX and no longer is notary. XXXX determined for last XXXX years XXXX of XXXX has been practicing law from the bench an high misdameanor. Also not XXXX form or Judiciary Bond on file as required. Thus, XXXX NOTE was treated as MONEY and was monetized and cashed paying off house immediately. Thus the DEED of TRUST was never active from the terms and conditions. And Conversion Fraud, and Mail Fraud have taken place, XXXX BANK, XXXX, AND XXXX., AND XXXX BANK, FSB, AND XXXX WERE all put into a government conservator-ship. This process was set up from the Builder XXXX. and XXXX Using XXXX Mortgage, INC. ( XXXX ). and XXXX MORTGAGE, INC. whom never loaned XXXX anything. They had XXXX sign a security instrument, but the people doing the fraud were not licensed to sell securities, apparently not an agent of MERS either and included their incorrect legal name on the paperwork. This was all orchestrated by XXXX, that is owned by XXXX, XXXX have asked them already for their errors and omissions insurance carrier but they have been non-compliant. XXXX IS owned by XXXX. All have been involved with a corrupt network of XXXX fraud. So much for buying worthless title insurance. XXXX also worked with XXXX to presumably table fund the loans as a deposit which is illegal and unlawful. All of this illegal activity since XX/XX/2004 has happened with the government knowledgeable since the fraudulent entities filed XXXX forms with the SEC XXXX database canceling the tax exempt trust no more then XXXX year after it was set up XXXX database canceling the tax exempt trust no more then one year after it was set up for tax evasion of the money or conversion payments. HOME was paid off immediately by NOTE that was monetized with FED, then the party took out additional loans from HEDMANS. We should be able to file a claim against XXXX XXXX, XXXX, and Corporate officers XXXX, XXXX, AND XXXX, XXXX sent the common law copyright notice and Affidavit and Notice to provide proof of claim. XXXX XXXX XXXX, TX XXXX
02/04/2016 No
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • NJ
  • 08723
Web
My complaint surrounds the illegal execution of a foreclosure sale completed on XXXX XXXX, XXXX.I have requested on multiple occasions for Buckley Madole , P.C. ( BMP ) located at:XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX, to provide me with proof of service, as well as all copies and documented effects relating notice of foreclosure pending for XXXX XXXX, 2015. It is a fact, that I did not receive notice from BMP, nor XXXX ( XXXX ) my lender. At no point was information or dialogue ever reciprocated to me that that there was a pending foreclosure action scheduled for my property. New Jersey foreclosures are administered through the court system. RULE XXXX. Foreclosure of Mortgages, Condominium Association Liens and Tax Sale Certificates. We received no copies nor summons of the original foreclosure complaint action filed within XXXX XXXX XXXX XXXX. Therefore rendering our right to due process in effective in regards to unbeknownst Docket NO. XXXX civil action. BMP, has failed to provide the following documents required to be filed prior to conducting foreclosure and have violated fair foreclosure act n.j.s.a. XXXX XXXX : I have requested case numbers pertaining to these foreclosure filings and BFW has refused my requests in their entirety and my following requests are still being ignored : - Notice of Election and Demand. - Original Evidence of Debt, or a copy of the Note and Certificate of the Owner and Holder of the Evidence of Debt, or a Corporate Surety Bond in the amount of one and one-half times the face amount of the original Evidence of Debt. - Original Deed of Trust or certified copy, or copy with certification letter - List of names and addresses of parties to receive notice. We implore your office to investigate this matter immediately, as BMP which is considered a foreclosure mill purchased in addition to failed to, provide Notice of sale must be mailed to homeowner ( and all parties who appeared in the action ) at least ten days before sale, as well as posted on the property and in the sheriff 's office, and published in XXXX newspapers for four weeks. We are forwarding to additional bank regulatory agencies.
02/26/2017 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • CA
  • 95391
Web
XXXX hired a retired wallstreet banker and attorney, along with XXXX, and a hand writing expert that determined XXXX did not receive a mortgage, but signed a fraudulently presented security. The Hand writing expert determined that a Corporate Assignment of Deed of Trust was done fraudulently, so forfeited notary bond to XXXX and no longer is notary. XXXX have been involved in litigation on this matter and have determined for last 8-9 years XXXX of XXXX has been practicing law from the bench a high misdemeanor. Also no 700 form or Judiciary Bond are on file as required for this Superior Court Judge. Thus, XXXX NOTE was treated as MONEY and was monetized and cashed paying off house immediately. Thus the DEED of TRUST was never active from the terms and conditions. And Conversion Fraud, and Mail Fraud have taken place, XXXX, XXXX, AND XXXX., AND XXXX, XXXX, AND XXXX. WERE all put into a government conservator-ship. This process was set up from the XXXX. and XXXX. Using XXXX ( XXXX ). and XXXX. whom never loaned XXXX anything. They had XXXX sign a security instrument, but the people doing the fraud were not licensed to sell securities, apparently not an agent of MERS either and included their incorrect legal name on the paperwork. This was all orchestrated by XXXX, that is owned by XXXX, XXXX have asked them already for their errors and omissions insurance carrier but they have been non-compliant. XXXX IS owned by XXXX. All have been involved with a corrupt network of RICO fraud. So much for buying worthless title insurance. XXXX also worked with XXXX to presumably table fund the loans as a deposit which is illegal and unlawful. All of this illegal activity since 2004 has happened with the government knowledgeable since the fraudulent entities filed 15D forms with the SEC XXXX database canceling the tax exempt trust no more then one year after it was set up XXXX database canceling the tax exempt trust no more then XXXX year after it was set up for tax evasion of the money or conversion payments. HOME was paid off immediately by NOTE that was monetized with FED, then the party took out additional loans from XXXX.
12/12/2018 No
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • TX
  • 770XX
Web
I received a Foreclosure notice from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX RECEIVED on XX/XX/XXXX according to the Fair Credit Act I am allowed at least 30 DAYS from the Date Of RECEIPT to respond and they Foreclosed on my home on XX/XX/XXXX that's only 18 days. Fair Debt Collection Practices Act Notification clearly states I have 30 day after RECEIPT of the notice, to dispute the validity of the debt or any portion thereof with XXXX XXXX XXXX, XXXX, or XXXX XXXX. I want the XXXX XXXX XXXX, XXXX, to " Resend '' the foreclosure of my home and give me the protection I deserve under the Fair Credit Act, they violated my " legal right to fair credit ''. I have 60 days to dispute a charge. If you catch a billing error on my statement, I have the right to dispute the charge with your creditor, but you have to act quickly. Under the Fair Credit Billing Act, you have 60 days after the bill was mailed to you to report the incorrect charge. The " Foreclosure Bill was mailed on XX/XX/XXXX I still have more days to respond and they have already " Forclosed '' on my home, which is a violation of my civil rights.
11/08/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • Foreclosure
  • MO
  • 64083
Web Servicemember
04/21/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75243
Fax
02/15/2017 Yes
  • Debt collection
  • Mortgage
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 76209
Referral
12/23/2016 Yes
  • Debt collection
  • Mortgage
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NJ
  • 07065
Referral
12/07/2016 Yes
  • Debt collection
  • Mortgage
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NJ
  • 07621
Postal mail
10/27/2016 No
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • NJ
  • 07011
Postal mail
09/28/2016 No
  • Debt collection
  • Mortgage
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 76549
Referral
06/30/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75070
Web
09/16/2015 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • TX
  • 75080
Fax Older American