Kass Shuler, P.A. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
02/27/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33578
Web Servicemember
Property Address : XXXX XXXX XXXX XXXX, FL XXXX Complaint against : Kass Shuler Law Firm XXXX. XXXX XXXX, XXXX, FL XXXX Please cross-reference Complaint # XXXX to see how these complaints are related to each other. As we are preparing to file a Federal Complaint, I am requesting an investigation into the practices of the Law Firm of Kass Shuler. I believe that we have been a victim of Deceptive and Unfair Trade, Fair Debt Collection and Fair Credit Reporting and they play a major role in facilitating these violations. Also, this information is also being submitted to FHFA-Office of the Inspector General, the Office of Comptroller of the Currency-Inspector General and other federal agencies. The reason for the reivew of Kass Shuler Law Firm is due to their propensity to misrepresent facts to the Courts and ultimately, the taxpayers. There are three issues that have necessitated this request. First, the concealment of the true investor ( XXXX XXXX ) rendered participation in HARP unavailable. Secondly, all parties involved in this fraudulent scheme are in violation of the Dodd Frank Act which forbids committing unfair, deceptive or abusive acts/practices with regards to debt collection. The FDCPA applies to the attorneys involved in this case. Lastly, Kass Shuler was legal counsel on another wrongful foreclosure in XXXX. The law firm sent letter to the home stating XXXX XXXX owned the property but in court filings stated that XXXX XXXX XXXX owned the property. In additio, I have attempted to resolve these issues by requesting meeting with my servicer, XXXX XXXX XXXX. See Complaint # XXXX. As of today, they have not contacted me. Therefore, I am submitting new complaints to connect the dots on a deliberate attempt to steal our property thru wrongful foreclosure. I will continue to provide the various complaint numbers for each submission. There is a possible RICO pattern for the servicers and its legal counsel. Based on our information, we are preparing to file a Federal lawsuit for the numerous FDCPA violations along with Fraud upon the Courts. Timeline of Events XXXX XX/XX/XXXX 1st and 2nd Mortgages were originated and closed by XXXX XXXX. The first mortgage received an automated approval thru XXXX XXXX -- -XXXX XXXX automated loan approval system. XX/XX/XXXX Loans transferred to XXXX XXXX XXXX XXXX -- XXXXan Investment Bank . The 1st mortgage is a XXXX XXXX loan. ( Exhibit 1 ). XXXX XXXX business model outlines that their loans are either 1 ) securitized in a mortgage-backed security or 2 ) held on the books of XXXX XXXX. The HMDA report sheds light on this issue. As of XX/XX/XXXX, the investor in our mortgage became : XXXX XXXX XXXX XXXX See : XXXX XXXX Mortgage Interest Statements ) Exhibit 2 See : XXXX Consent Order Exhibit 3 XX/XX/XXXX XXXX XXXX XXXX begins servicing our 1st and 2nd mortgage. Exhibit 4 XXXX XX/XX/XXXX The Consent Order # XXXX was signed between Federal Government, XXXX XXXX and XXXX XXXX XXXX XXXX aka XXXX XXXX. Section II of the Order reveals that an agreement between XXXX XXXX and XXXX XXXX existed between XX/XX/XXXX and XX/XX/XXXX. During this time, XXXX XXXX provided services but XXXX XXXX funded the loans. See Excerpt from the Order. ( Exhibit 2 ) II. BACKGROUND XXXX XXXX is a wholly-owned subsidiary of XXXX XXXX XXXX , XXXX. It is a federal savings bank with its principal place of business at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Delaware. XXXX is a wholly-owned subsidiary of XXXX XXXX XXXX , XXXX is a Delaware corporation with its principal place of business at XXXX XXXX XXXX, XXXX XXXX, Pennsylvania. Between approximately XX/XX/XXXX and XX/XX/XXXX, pursuant to an agreement between XXXX XXXX and XXXX, XXXX provided various services for loans that were made and funded by XXXX XXXX. XXXX XXXX never funded or owned our loans******* Therefore, every document recorded after XXXX is a fraud. To alledge anything else will be contrary to what the DOJ along with XXXX XXXX and XXXX XXXX signed off in XXXX. XXXX XX/XX/XXXX The Consent Order # XXXX was signed by the Office of the Comptroller of the Currency ( OCC ) and XXXX XXXX along with its Servicing subsidiaries. The Consent Order acknowledged that XXXX service loans for the XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX. It also states that HSB filed numerous affidavits asserting ownership of the note and mortgage when that was not the case. Exhibit 5 The Order required the correction of this failure and addressing the financial harm caused to borrowers. Unfortunately, none of the corrective remedies has ever taken place with us in more than six years. In XX/XX/XXXX, the OCC terminated the mortgage servicing restrictions. XX/XX/XXXX In opposition to compliance with the Consent Order, XXXX begins the creation of assignments and powers of attorney merely create the illusion of a transaction that never occurred. Six years beginning in XX/XX/XXXX, XXXX XXXX XXXX with the assistance of XXXX XXXX attempts to create a marketable chain of title by recording three ( 3 ) fabricated Assignment of Mortgages ( AoM ). The fraudulent assignments purported that XXXX XXXX thru MERS transferred ownership to XXXX XXXX XXXX. XXXX continued to conceal that we should be afforded an opportunity to apply for HAMP. We applied for a modification at least six ( 6 ) times only to be told that we did not qualify for their in house product. Exhibit 6 What XXXX did not know was that I was a Certified Foreclosure Prevention Counselor. I emailed XXXX the program guidelines and financial worksheet showing that we qualified but they never acknowledged or offered assistance. XX/XX/XXXX A fraudulent Assignment of Mortgage was recorded by MERS on behalf of XXXX XXXX to assign to the loan to XXXX XXXX XXXX. Four issues stand out : 1 ) MERS can not act upon behalf of a non-existent entity. MERS has given sworn testimony that they have no economic interest and have nothing to transfer. XXXX XXXX ceased to exist as of XX/XX/XXXX. 2 ) XXXX XXXX XXXX is a mortgage servicing entity not an investor. 3 ) XXXX XXXX XXXX XXXX was an investment bank in this transaction. 4 ) There is an undated XXXX attached to the note. Exhibit 6 XXXX XX/XX/XXXX Another Assignment of Mortgage was recorded thereby assigning the loan to XXXX Master Participation Trust from XXXX XXXX XXXX. ( Exhibit ) A review of the Assignment of Mortgage begs an answer to why would XXXX ( mortgage servicer ) have XXXX XXXX XXXX ( another mortgage servicer ) sign as its power of attorney. Isnt XXXX as servicer paid a fee to execute paperwork? The disclosures by XXXX XXXX for this trust states that XXXX issues and guarantees the mortgage participation certificates. There is no recorded assignment to XXXX XXXX in XXXX Countys official records. So, how validates what I have said since XXXX that our loan was a XXXX XXXX product and failure to acknowledge has been emotionally and financially damaging. Exhibit 7 THE KASS SHULER CONNECTION SINCE XXXX In the beginning of this complaint, I referenced propensity for Kass Shuler to misrepresent ownership. A review of the complaint filed in XXXX alleges that mortgage servicer, XXXX XXXX XXXX was the investor and servicer. ( Exhibit ) Nothing in the recorded chain of title gives ownership to XXXX XXXX XXXX or XXXX XXXX. But the facts are different than the allegations presented in the court documents by XXXX XXXX XXXX and Kass Shuler. Timeline of Events XX/XX/XXXX Loan originated as a XXXX XXXX product. Exhibit 8 Between XXXX and XXXX The loan was dual tracked as we sought a HAMP modification but was told on numerous occasions that loan was not a XXXX XXXX product. XX/XX/XXXX Foreclosure Complaint filed by XXXX XXXX XXXX fraudulently alleging ownership of the loan. Exhibit 9 XX/XX/XXXX Kass Shuler send a letter to the property disclosing that XXXX XXXX owns the loan. At this time, Kass Shuler and XXXX XXXX XXXX were advising the courts of one thing but mailing documents contrary to such. Exhibit 10 Since XXXX, how many times has this law firm misrepresented facts? I can verify at least twice.
10/09/2020 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33583
Web
In XXXX XXXX, I fell on hard times as a new single mother and was not able to pay my car payment with XXXX XXXX XXXX XXXX F/k/a XXXX XXXX XXXX XXXX and unfortunately my car was repossessed. At the time of the repossession, I contacted the bank to see how I could redeem my vehicle back. I was told by a representative at the bank that I could not redeem my vehicle back unless I found new financing with another bank. Due to the vehicle being already repossessed, my options for finding another bank to finance me were scarce and ; within weeks my vehicle was sold at auction. The balance left on the vehicle, a XXXX XXXX XXXX was {$10000.00}. On XX/XX/XXXX a final judgment was entered for {$12000.00}. During the years that passed following the car repossession and final judgment, unfortunately found myself and my children on many hard times. Just days after XXXX XXXX to my XXXX XXXX, I was readmitted to the hospital with an XXXX XXXX XXXX. After weeks of being unable to work per my doctor, I was unable to pay my bills and ended up with an eviction from my apartment. Me and my children went from house to house following our eviction. I continued to work hard to get on my feet working with staffing agencies to pay my bills. In XX/XX/XXXX, I finally found a full-time job and was trying to establish stability for my children. But, not even 6 months later, I was served with a notice from XXXX XXXX XXXX XXXX and their attorney to garnish my wages. My wages were being garnished until I submitted a form through the court to please stop garnishing my wages. In XX/XX/XXXX, I had to have XXXX and in XX/XX/XXXX, I was laid off from my job, and had to move in with yet another friend. On XX/XX/XXXX the court finally ordered a writ of garnishment, which was dismissed without prejudice, and any and all garnishment funds being withheld were supposed to be immediately returned to the defendant ( me ) per the court order ; but that never occured. After years of struggling as a single parent with my health and trying to get on my feet, I am finally at a place to try and settle my debts and make things right. I am now working on building my credit and trying to buy a first home for me and my children. So today ( XX/XX/XXXX ) at XXXX XXXX., I called XXXX XXXX XXXX XXXX to see how much I owed in total on the repossessed car loan including any fees. A representative with the bank stated I owed as of today, {$5600.00} for the XXXX XXXX XXXX, but the account was no longer with XXXX XXXX XXXX XXXX and was with a collection agency called Kass Shuler Law Firm. The representative with XXXX XXXX XXXX XXXX proceeded to give me the collection agency 's phone number. I called Kass Shuler Law Firm about my account and asked for the total amount owed and how I could settle the debt. I was then told by the woman who answered the call that I owed as of today, {$18000.00}. I was shocked, sad, in disbelief, and totally overwhelmed at that point. How could I pay such an amount, maintain my bills, take care of children and buy a home for my children? I asked the woman at Kass Shuler Law Firm why the amount was more than 3 times the original debt when I spoke with XXXX XXXX XXXX XXXX and they stated the amount was {$5600.00}. The woman at Kass Shuler Law Firm stated the bank representative was NOT supposed to give me that information. This is truly an unfair collection agency practice for consumers. If you face hard times and try to make it right, then you are punished 3 times the original amount as a penalty. How is this fair? I am more than willing to pay the total amount that XXXX XXXX XXXX XXXX stated I owed to them of {$5600.00}, but to charge me nearly {$13000.00} in interests and fees is not only unfair, but hurts my children and takes food and clothing from them as a single mom. This debt is stopping me from finally buying a home for my children. I want to do the right thing and pay my debt, but these unfair fees hurt people who want to do what is right. {$13000.00} in fees and interests is just wrong, especially when the debt owed is only {$5600.00}. What happened to the payments garnished from my wages? The woman at Kass Shuler Law Firm stated I paid about {$4500.00} in garnished wages, but how and when were they ever applied to this debt/account. This debt is stopping me from providing a better life for my children and purchasing my first home. I need help to resolve this debt matter in the most fair and accurate way possible.
05/27/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • FL
  • 33776
Web
I have been trying to settle an account with XXXX. In XXXX, I had been in contact with XXXX XXXX. I called him several times in an attempt to settle my account with him, but he would not offer a settlement to resolve this outstanding balance. I left several emails and made numerous attempts to try and resolve the matter ; but XXXX XXXX refused to give an offer and never returned my calls. I believe that XXXX is in violation of UDAAP Unfair, Deceptive, or Abusive Acts or Practices. Not offering a settlement to resolve the account, not returning phone calls, basically ignoring my efforts for resolution. Instead of them working to help me resolve the issue they just took matters in to their own hands and issued a garnishment. I have tried to contact them concerning there actions as of XX/XX/XXXX where I was asked numerous times to leave a message and have not had a response from there office. I Have requested to speak with management only to be told I dont know how to reach a manager you will need to leave a message and they will return your call. In which I have never received a return call.
08/13/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33433
Web Older American
Collection agent is trying to collect a debt that was a result of identity theft.
07/03/2019 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33647
Phone
06/07/2019 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 33880
Phone
05/22/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33603
Web
08/30/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33521
Referral
03/27/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 34604
Web