| 04/13/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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Dear CFPB Please find my complaint against Nationwide Title Clearing Inc. for illegal and fraudulent transfer of my property to fake " servicer '' XXXX Loan Servicing, XXXX, and fatal damages to my property Title.
I am a victim of XXXX XXXX Banks and their sham conduits who pose as " Lenders '' and " Servicers '' illegal activities. It is not a secret that XXXX XXXX Banks ( Stockbrokers ) operate a giant Ponzi Scheme where they pass borrowed from other companies money which they masquerade as a " loan '' via sham conduits who pose as " Lenders ''.
As soon as borrowers sign a Promissory Note and a Mortgage, Big Banks scan this data and place in their depository company - XXXX XXXX - while Mortgages and Notes are intentionally destroyed to preserve XXXX XXXX Banks ability to sell BETS to investors on INFORMATION about " loans '', on indefinite basis. Nobody sell any loans, this is a lie to defraud borrowers and investors. Nobody maintain any accounts receivable for " loans ''. See details below.
I became seriously concerned about my life and well-being, so I had to file a police report when a stranger appeared on my property yesterday and left me a very suspicious note to in " urgently call my Servicer '', after another shady company, registered in Delaware and located in XXXX XXXX, sent me an offer to buy my home for cash ( which based public records, this company obviously does not have ). When I emailed this company and asked who provided them my information, they never responded.
All of it happened about a week after I submitted my second request to Senator XXXX to contact XXXX XXXX and verify who was the Seller of my " loan '' to XXXX and which XXXX XXXX XXXX has my " loan '' as an asset on their account receivable.
XXXX XXXX has no idea about my loan ; and during all time in question was not able to produce a singe document about ownership of my loan ; as well as about reported transactions.
When I went to a police station to file a report, I also decided to check Deed Recorders ' office to see if here are any suspicious activities.
Of course I found it.
On XX/XX/XXXX ( or more that 1 year after XXXX XXXX XXXX XXXX appeared as a " Servicer '' on XX/XX/XXXX, and lied non-stop, Nationwide Title Clearing, a company that creates tens of thousands of assignments as a third-party contractor, created a fraudulent " assignment '' to PennyMac from MERS - without ANY disclosures in which capacity PennyMac received this " assignment '', The Assignment also failed to disclose which rights had MERS to assign anything on behalf of XXXX since XXXX has no corporate registration to conduct business in the State of Michigan ( source : XXXX Michigan ) ; and no agency relationship with XXXX XXXX to transfer anything to XXXX in XXXX.
XXXX only servers their members and XXXX are not members of XXXX. I doubt if XXXX Mortgage which is defunct since XXXX, also was a member of MERS.
All while someone assigned my " loan '' to XXXX XXXX XXXX XXXX XXXX XXXX former XXXX XXXX via collateral shipper XXXX XXXX who prepared an Allonge on XX/XX/XXXX, which was my closing day.
XXXX initially claimed to be an " owner '' of my " loan '', but later said they are merely " Servicers '' - but never were explain WHOM XXXX is servicing and who appointed them as a Servicer.
According to XXXX, the owner is XXXX XXXX - who has no idea about my loan ; and who purportedly dumped their " mortgage backed '' securities to Federal Reserve in XXXX, without any notices to homeowners.
Which created a reasonable question - under which authority XXXX acted as a " Servicer '' for my " loan '' for more than 12 months, and pretended that they " collect '' my mortgage payments while it was all done by XXXX XXXX via XXXX agreements with XXXX, XXXX and their branch XXXX, XXXX.
All my money are pocketed by XXXX XXXX XXXX while property taxes and insurances are paid by XXXX XXXX now XXXX XXXX XXXX.
XXXX failed to explain how they obtained any rights to collect from me ; and who sold them my loan - while the fraudulent " assignment '' was prepared by FL corporation Nationwide Title Clearing Inc and " Vice President '' of XXXX on XX/XX/XXXX in Florida and recorded in XXXX XXXX - who apparently does not care who file essential documents in their records and which rights these people have to prepare and file such documents - which fatally damage property Titles.
XXXX was a part of mass document forgery along with XXXX XXXX ( former Lender 's Processing Services/DocX, LLC ) and subject of legal actions by Attorney Generals.
Mortgage assignment reflects a change in creditor ownership, while the sale of servicing rights from servicer to servicer are entirely different matters.
XXXX appeared as a " Servicer '' in XX/XX/XXXX and lied that they " purchased '' my loan from someone. However, nobody confirmed ANY sales of my " loan " to XXXX ; and nobody disclosed whom XXXX is servicing and who appointed them as a Servicer. XXXX lied that my " loan '' was " pooled '' in some XXXX XXXX security where Trustee is XXXX. However, XXXX XXXX and XXXX have no records of any security where my " loan '' is purportedly pooled.
Nobody disclosed who is XXXX XXXX who transferred my " loan '' to XXXX XXXX XXXX XXXX XXXX XXXX renamed XXXX, who was another sham conduit for XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX, which was my closing day. XXXX Mortgage, who was posing as a " Lender '' - also can not explain how and when XXXX obtained servicing rights.
In XX/XX/XXXX XXXX was sued by XXXX XXXX for theft of their trade secrets. Since XXXX XXXX and XXXX work together and share a platforms, so here are possible loopholes to for fake Servicers to make some money on the side.
On XX/XX/XXXX XXXX XXXX offered XXXX {$7.00} XXXX to purchase them even though XXXX rejected. But XXXX took over anyway, in an urgent manner, which means here was some reason for such rush - centralize all data in one hands.
Money for this purchase were " borrowed '' from XXXX XXXX XXXXXXXX. XXXX XXXX ( co- '' buyer '' with XXXX XXXX XXXX is operated by XXXX XXXX banker XXXX XXXX XXXX Bank XXXX XXXX collects all my money. In other words, Bank XXXX XXXX purchased XXXX via XXXX XXXX, to prevent decentralization of data.
On XX/XX/XXXX MERS, who have no legal registration to conduct business in Michigan ; and no agency relationship with XXXX since XXXX is only serving their members, acted as a nominee for XXXX Mortgage and " assigned '' my " mortgage '' to XXXX.
I truly doubt if XXXX which is dissolved two years ago, was MERS member to appoint XXXX as a " nominee '' and even IF XXXX was a member, they still have no legal right to assign XXXX as a " mortgagee '' for many reasons.
The Assignment ( enclosed ) - did not mentioned in which capacity XXXX is acting to lawfully accept my loan.
XXXX, Florida XXXX, who also has no corporate registration to conduct business in Michigan although they file assignments all over the place, also has no agency relationship with XXXX XXXX to rightfully assign my " loan '' to XXXX.
Yet, XXXX fabricate fake " assignments '' to fake " Servicers '' like XXXX.
According to XXXX, XXXX and XXXX, my " loan '' is in XXXX XXXX " pooled securitiy '' where BONY is a Trustee.
Thus, IF someone might have a legal right to accept my " loan '' after they paid VALUE for it ( purchased ) is BONY as an Agent for the Trust. But apparently XXXX is not going to lend their name anymore as a Trustee, so Assignments are randomly done to anyone who somehow fit into their role.
The simple truth is that XXXX bought nothing as it relates to my loan. They may have succeeded to servicing rights but servicing rights do not exist in a vacuum. Servicing rights ONLY exist when the owner of the underlying debt grants authority to administer, collect or enforce the underlying obligation as evidenced by the promissory note.
Without that connection, the servicer is not serving anyone. But by pretending to be the servicing through the publication of self-serving correspondence, statements, and notices, the use of the servicers name creates an opportunity to collect scheduled payments from homeowners even though they are not being collected on behalf of anyone who owns the underlying debt.
XXXX XXXX CONTROL OFF TRACK BETTING In order to retain apparent control over everything without actually being in legal control, the XXXX XXXX brokers had to do two things. First, they had to make sure that none of the placeholders - XXXX, servicers or trustees ever touched any money except that which was paid to them through a convoluted series of conduits. Second, they had to make certain that none of the placeholders actually did anything.
XXXX was an electronic placeholder with insecure access so that foreclosure players could manipulate data and apparent chains of title without ever recording those changes which were an illusion.
Servicers were electronic placeholders often acting as the face for XXXX XXXX and sometimes other entities who controlled lockbox addresses to which all payments were forwarded. Those checks or payments were deposited into accounts controlled by a conduit for the XXXX XXXX broker. Accounting is automated so servicers could produce reports and then servicers send in robo witnesses ( usually contract employees ) to attest to the records being within the hearsay exemption as business records.
Trustees were electronic placeholders whose only role was to rent their name out, same as MERS and Servicers, but they play absolutely no role in any administration, collection, or enforcement of any debt, note, or mortgage.
The grant of rights, duties, or obligations from one who does not own or control them is a legal nullity. But a piece of paper saying that such a grant was made, raises inferences, assumptions or presumptions from the document A servicer is an agent of a principal. In this case, the principal would be the owner of the underlying debt. In our system you can only get to own something upon the occurrence of one of two events in the real world you buy it or it is a gift. There are no other ways to own any asset.
PURCHASE OF A DEBT MUST INCLUDE PAYMENT In the case of a purchase, there would be easily confirmable supporting documents that show proof of payment along with an entry on the accounting ledger of the buyer showing a decrease in one asset category ( e.eg. Cash ) and a corresponding increase in another category of assets ( e.g. loans receivable or loan account receivable ).
No such documents or ledger entries occur in the world of securitization.
XXXX XXXX is spreading this type of disinformation to his clientele, and is basically encouraging clients of Nationwide Title Clearing to commit fraud by fabricating documents to fill in the blanks and perfect defective Chain of Titles.
Nationwide Title Clearing is promoting its Assignment Verification Report service to compare the records filed in the county with the purported document file the servicer received from a prior servicer- while knowing that most mortgages are defective and can cause real issues in a court of law.
Unfortunately for Nationwide Title Clearing and its clients, a paper assignment can not ratify an event that never occurred. The event is the purchase of a loan or many loans. The proof is not the assignment but the payment for the assignment. Document fabricating companies, servicers and the Courts are wrong when they say the assignment could be theoretically ratified/corrected and then concluding that therefore the ( fabricated ) assignment is voidable not void.
NTC believe if someone is looking at an assignment that they should conclude that there must have been a transaction if there was an assignment. Nationwide Title Clearing is very aware of the fraud in the documents and the fraud it is attempting to white wash.
Nationwide Title Clearing is selling the concept that if they forge, fabricate and robosign a document at a nominal cost for the servicer that they can make the assignment ( or note ) valid. The proper way to look at it would be for Nationwide Title Clearing to actually investigate that there was a transaction and then proceed knowing the assignment could be valid and could therefore be legally ratified. If there is no transaction, there is nothing to ratify and therefore the assignment is void, not voidablE Nationwide Title Clearing is selling an illusion, and likely committing fraud by creating documents in which they are attempting to validate a transaction ( the assignment of a loan ) that never occurred. This is akin to Nationwide Clearing deciding to create car titles for debt collection agencies that never purchased the loans for value in the first place, but need the title to create the appearance of ownership/legitimacy. XXXX is very aware that there is an issue with the transfer of mortgages and uses fear to sell his service. He says, Try convincing an auditor that you didnt have a great process in place for loans you previously purchased or loans that have any sort of modification activity or default activity involved. He also uses the threat of CFPB compliance and investigations and warns, It is essential that the assignment is accurate, but fails to inform the reader that Nationwide Title Clearings process does little to make any part of the defective or missing assignment accurate.
If there are issues with a loan, Nationwide Title Clearing has a product to correct the deficiency.
But in my situation it is a pure fraud and illegal cloud on my Title.
I respectfully request XXXX XXXX Recorder to REMOVE all illegal liens ; and conduct full investigation to this matter, starting with and MERS ' legal authority to conduct business in Michigan without State registration ; and assign any rights for GSEs " loans '' - without any agency relationship. As well as to identify the Company who has my " loan '' recorded as an asset on their ledger on their account receivable. So far nobody was able to find such company.
Best regards, XXXX XXXX How XXXX XXXX Banks defraud homeowners and Investors, in details : This is a whole new level of securitization. And it was brought to us by XXXX XXXX brokers. They were not satisfied by finding undervalued bonds that would pay out 3-4 times the price on the bond market. They were not satisfied by the creation of junk bonds in which value was created out of nothing with the near certainty that the acquired companies would fail. The brokers next generations scheme was to bring forth a cloud of smoke and mirrors in which there was no value and there were no losses for the broker and they named it derivative.
So they invented certificates that would be called mortgage bonds. They were issued not by any lender but by the brokers themselves in the name of a brand name bank, as trustee for a nonexistent trust.
The purchaser of the certificates received discretionary promises from the broker that they would receive some regular payment not from the trustee bank who was guaranteed and indemnified against any claims or losses by the brokers.
The investors were told that the money to pay them would come from homeowners who were putting up their homes as collateral for a loan deal. The homeowners, of course, had no idea the investors, the brokers, the trustee or the trust was named or existed.
The homeowner thought that he/she was dealing with a company that was lending them money. That company would become known as the originator.
But they were not given any right to collect that money. They only received a promise from the investment bank that the scheduled payments to investors would be made. Investors received no right, title or interest in any transaction, obligation, debt, note or mortgage from homeowners. And buried within the prospectus was the disclosure that the payments might come from the money the investors had advanced and not from homeowners. It might even come from investors in other deals. And any analysis by any competent securities analyst would have and did reveal that this was a Ponzi scheme.
Meanwhile, the brokers took part of the money from the investors and paid homeowners to execute the note and mortgage. But the brokers never took ownership of the transaction, debt, note, or mortgage. The brokers started trading securities as if they owned the stock ( or loan ) but not really owning it. But the brokers took it one step further. They instructed companies to pose as loan servicers who in turn would hire attorneys to foreclose on the loans that were not owned by any of the designated parties.
The linchpin problem in foreclosures is simple.
The brokers had borrowed money from lenders like XXXX XXXX against the sale of certificates to investors, the proceeds of which were used to pay off the lenders.
The borrowed money was what was used to pay homeowners. So the investors purchase of certificates was in no way linked to funding any transaction with homeowners.
This meant that nobody owned the loan and nobody had ever made an entry on any general ledger on which any loan account receivable was ever started. It also meant that nobody had a loss arising from a missed scheduled payment from the homeowner. And since nobody in the chain had ever paid for ownership of a loan, no loan was created, despite the homeowners belief that they had applied for and received a loan.
Since the money for the homeowner transaction came from a third party loan to the brokers, and since that loan was satisfied by the sale of certificates XXXX mortgage bonds ) there was no possible transaction in real life in which anyone could legally transfer ownership of the loan.
Such a transfer could only ( a ) come from someone who owned it and ( b ) be effective upon payment of value for the underlying debt of the homeowner.
So they faked it. And nearly all foreclosures in all U.S. jurisdictions arise out of the transaction described above. And that means that nearly all of them were fraudulent organized schemes to defraud homeowners, investors, and all related people. When homeowners agreed to pay money to the originator and its assigns and successors, they had no idea that there was no reason to pay any money to anyone under this scenario.
When the homeowner issued the note and mortgage, he/she did so with the contractual intent to enter into a loan agreement that never materialized. There would never be anything more than a payment history if the homeowner started making scheduled payments. there would never be a loan account a loss arising from performance on the loan, and there would never be compliance with federal and state lending statutes, rules, and regulations.
Homeowners didnt know it and they had no way of knowing that they were not involved in a loan that would be owned by anyone. They were paid a fee ranging from 2 % -10 % of the total amount of revenue generated from the fake securitization of their loan. They had no reason to return that fee without their specific and explicit contractual assent to the arrangement.
But what homeowner would have entered into such a transaction where there was no risk of loss by a real lender, complying with the law? What homeowner would have wanted to be part of any securitizations scheme? What homeowner would not have sought professional help from advisers? What homeowner would not have been advised that the incentives for this transaction, were not to profit from payments of interest, but rather to profit from the sale of securities? What homeowner would not have been advised that the appraisals produced for the Closing were merely made as instructed and did not represent actual value? What homeowner would have signed a deal where the securities stood to gain windfalls of money if the loan failed?
Today we are still living with the myth that the transactions with homeowners were loans, that the concealed risks absorbed by homeowners should not be compensated, and that administration, collection, and enforcement of nonexistent accounts receivable should be allowed. We can all change that by being open to the idea that maybe it isnt the way that XXXX XXXX is selling it.
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| 05/04/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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Dear CFPB, Please find my Complaint against Nationwide Title Clearing, Inc ( NTC ) for their unlawful and deceptive business practices ; and my demand to provide full disclosures regarding OWNERSHIP of my so-called loan and identify the Principal, an owner of my purported debt who hired NTC and MERS to prepare fatally defective assignment to XXXX XXXX XXXX XXXX ( former XXXX XXXX XXXX XXXX ) on XX/XX/XXXX.
Mortgage assignment reflects a change in creditor ownership, while the sale of servicing rights from servicer to servicer are entirely different matters. Servicing rights do not exist in a vacuum. It must be a Principal who is the lawful owner of the debt and who has my so-called loan on their general Ledger account RECEIVABLE where my loans is RECORDED as an asset. That would be the account where debits and credits are posted, resulting in an adjustment of the value of the account. That is, in other words, the place where the loan can be found. That is the only place. There is only one way an entry is made on any ledger a transaction has occurred and the ledger shows the debit from one account and a credit to another account. Each transaction has a paper trail usually starting with receipt or payment of money. So there is a wire transfer receipt, ACH receipt, or canceled check that will prove the payment along with some bill of sale or other documents describing the transaction in which a third party has agreed to the terms. This is required by GAAP that is the law and no amount of argument can escape the simple fact that if someone is claiming an ownership of someones loan, this debt must exist.. Without the loan account receivable on a proper accounting ledger there can be no such claim and there isnt.
Self-proclaimed Servicers own nothing except servicing rights that might have been worth something if there was any owner of an account receivable with my name on it. But no such person or entity existed. Hence the servicing rights, just like the title rights in MERS and the administration rights in the named trustee were strictly an illusion. And every assignment ( transfer of ownership ) is conducted in accordance with UCC Art. 9/203, where the SALE of any mortgages can be proven by a copy of a cancelled check ; or wire transfer ; and the release of lien by the Seller.
As of today I have absolutely no knowledge who is the Lender ( which is not XXXX XXXX XXXX XXXX ) and who is the legal owner of my purported debt who on XX/XX/XXXX hired MERS and NTC to prepare and record fatally deficient assignment to XXXX. Nobody ever confirmed to be a Seller of my loan ; along with evidence of ownership ( proof of payment ) to be the Owner of my purported debt. Moreover, from the beginning of this transaction I was actively misled about the true parties XXXX XXXX XXXX XXXX XXXX ( former XXXX XXXX, XXXX ) who sent me a Commitment Letter on XX/XX/XXXX indicating that I will buy Calibers loan ; XXXX XXXX XXXX XXXX, who was the originator of this transaction via their Empower ; and a Big Bank ( XXXX XXXX XXXX ) who financed my transaction with borrowed from undisclosed investors money.
On XX/XX/XXXX someone ( who was never disclosed to me ) transferred my so-called loan to XXXX via XXXX prepared by Collateral Shipper XXXX XXXX. When I asked where XXXX was working and who authorized him to prepare this XXXX, nobody responded to my inquiry.
On XX/XX/XXXX I received a letter from XXXX claiming that XXXX transferred them some servicing rights. Obviously, any transfers of servicing must be made after they are authorized by the legal owner of my purported debt.
When I asked whom XXXX and XXXX is servicing and who appointed them as Servicers, both companies relentlessly lied but never gave me a clear answer who is the owner who has account receivable on their general ledger where my money are deposited who approved these changes of Servicers.
According to XXXX, someone sold them my purported loan which is pooled in XXXX XXXX Pooled Security XXXX where XXXX XXXX XXXX XXXX is a Trustee. In other words, under Big Banks legend, the owner of my purported loan must be XXXX XXXX XXXX XXXX XXXX and BONY must be an authorized Agent of the Principal who is also a custodian for all documents, particularly Mortages and Notes.
However here are no records of existence of any Pooled Security XXXX, no need to say nobody claimed to be a Trustor who established this pooled security. VA and HUD have absolutely no records of any sales and who is the owner of my purported debt since all their information is provided by XXXX XXXX XXXX. Moreover, VA has no idea whom the guarantee payments since all their information is provided by XXXX XXXX XXXX.
Bear to repeat, someone transferred my loan to XXXX on my closing day, thus XXXX lied to Federal Authority that they merely assumed servicing from XXXX on XX/XX/XXXX. XXXX has no idea when servicing transfer to XXXX took place ; and here is no evidence of any sales as well as no one claimed to be a Seller.
Moreover, from XX/XX/XXXX to present time Federal Reserve purportedly purchased XXXX XXXX mortgage backed bonds thus theoretically became the creditor without any Notices to me or any releases of liens by the prior owner ( if exists ) and thus should be the Principal who hired MERS and NTC to prepare this Assignment. But the reality is that when the Federal Feserve was publicly stating that it was purchasing mortgage bonds from GSEs and the banks, none of that was true. There were no mortgage bonds. There were certificates issued to investors representing an IOU from an investment bank. The certificates were owned by investors, not by the investment banks who were selling them. The Federal reserve was purchasing thin air or blank paper created and issued by the investment banks solely for the purpose of " sale '' to the Federal reserve who hosts XXXX XXXX XXXX scheme on their XXXX XXXX XXXX and XXXX XXXX XXXX.
Yet, the Assignment states that MERS, acting on behalf of a Principal, as nominee for XXXX ( dissolved in XX/XX/XXXX ) apparently hired NTC to prepare and record this Assignment where MERS Vice President XXXX XXXX, who is personally known by Notary XXXX, transferred ownership of my purported debt ( mortgage ) without transferring the Note, to XXXX in unknown capacity on XX/XX/XXXX.
For some reason all other parties are ignored from the chain of ownership such as XXXX, XXXX XXXX ( who is still listed as Investor/Guarantor on MERS ServicerId, while my purported mortgage appears to be inactive, thus outside of MERS authority which MERS never had with XXXX or XXXX XXXX since MERS only serves its members. Neither XXXX or XXXX XXXX never been MERS members ; thus, XXXX XXXX does not have agency relationship with MERS to authorize MERS to transfer ownership of my purported debt to anyone.
Yet, XXXX claimed to be owner of my debt and later said that the owner is XXXX XXXX, while according to Wall Street Stockbrokers, the owner is a Trust ( here- imaginary Pooled Security XXXX where BONY is a purported Trustee ) Unfortunately for Nationwide Title Clearing and its clients, a paper assignment can not ratify an event that never occurred. The event is the purchase of a loan or many loans. The proof is not the assignment but the payment for the assignment. I dont have ANY proof of any sales. Moreover, nobody confirmed to be a SELLER.
Nationwide Title Clearing is selling the concept that if they forge, fabricate and robosign a document at a nominal cost for the servicer that they can make the assignment ( or note ) valid. The proper way to look at it would be for NTC to actually investigate that there was a transaction and then proceed knowing the assignment could be valid and could therefore be legally ratified. If there is no transaction, there is nothing to ratify and therefore the assignment is void, not voidable, and must be remediated aka removed from the public records, as NTC agreed in the XXXX and XXXX Settlements with Attorney Generals office.
NTC refused to provide me any disclosures who is the Principal who hired MERS to act as nominee for XXXX ; and who is NTC client who is the owner of my purported debt who paid NTC commission or other fee and who instructed them to prepare, execute and file this Assignment in XXXX XXXX Recorder of Deeds.
NTC refused to validate Mr. XXXX employment as MERS Vice President and provide me his direct contact information, where exactly Mr. XXXX works, his email and phone number, so I can contact Mr. XXXX and ask him directly regarding ownership of my purported debt and who is MERS client and the Principal whom MERS serve.
It is not a secret and well-described in IL AG Madigans case and in NTC employee Lances deposition that people who place electronic signatures and pose as MERS VPs are actually employees of NTC who prepare documents of assignment and transfer and record them without any knowledge of any transactions ; he has no knowledge or power to stop it or to verify that it is correct. To be clear, the law requires something different. No law allows anyone to prepare, execute, notarize or record a document that is not known, for a fact, to be memorializing some actual event in the real world. No signature is valid unless the signor knows that the document is true and accurate as to what is on it. Authorization to execute an unknown document is no authorization at all.
On XX/XX/XXXX I received a respond from NTC lawyer XXXX XXXX ( who is also a CPA ) who stated that NTC is [ .. ] simply unable to provide me the remedy that you seek and that any challenges to the assignment or any request for recorded documents to be removed from the public records are matters between you and your prior or current mortgage lenders or servicers. We are not legally authorized to provide you with the relief you seek '' Mr. XXXX statements are not true and clearly violate terms of their Settlement with Florida Attorney General in XXXX where NTC expressly consented to XXXX NTC shall ensure that no mortgage-related document is signed by NTC on behalf of a client without the client 's express and specific authorization and NTC shall maintain up to date records of such authorization.
XXXX. To the extent necessary, NTC agrees to continue to remediate any such documents when reasonably necessary to assist any person or borrower or when required by state or local laws.
Identical case was filed by IL Attorney General XXXX on XX/XX/XXXX. According to Final Decree in Case 12-CH-o3602, Illinois vs. NTC, ORDERED that Defendant [ .. ] comply with and remain in compliance with Section 2 the Consumer Fraud Act and Section 2 of the Uniform Deceptive Trade Practices Act. with the following terms : a. Defendant shall not sign a document that is recorded in the county recording offices [. ] unless the person signing the document ( the signatory ) has performed a substantive review of the information contained in the document to ensure the accuracy and validity of that information. Substantive review means that the signatory must read, understand, and review each document to be recorded.
d. Documents signed by signatories at the direction of the Defendant for the purpose of recordation in Illinois shall accurately identify the signatory s employer ( e.g., employed by Nationwide Title Clearing, Inc. ) and indicate that the signatory has the qualified authority to sign on behalf of the financial institution or mortgage servicer.
e. Documents recorded by Defendant shall accurately reflect the nature and substance of the transaction.
g. Defendant shall remediate ANY document [. ] that is found to be a cloud on title or otherwise unlawful. Defendant shall also remediate any document when reasonably necessary to assist any person or borrower, or when required by federal, state, or local law. Defendant shall establish, advertise and staff a toll- free telephone hotline where consumers may ask questions regarding any document executed by NTC , including but not limited to requests that NTC remediate a document.
Remediation means REMOVAL of bad or defective documents from the public records by NTC ; and full disclosures to the Customers, as required by the Uniform Deceptive Trade Practices Act and MI 445.903 Unfair, unconscionable, or deceptive methods, acts, or practices in conduct of trade or commerce are prohibited.
Thus, NTCs refusal to cooperate constitutes their breach of both settlements and intentional and/or negligent violations of Federal and State laws.
The Assignment prepared by NTC employee XXXX XXXX is fatally defective and contains numerous false and misleading information and must be remediated and removed immediately by NTC, as required by the Settlements.
I further demand XXXX XXXX to provide me the name of the Principal and the legal owner of my purported debt ( if any ) who had authority to hire MERS and NTC to transfer ownership of my purported debt to XXXX.
I demand XXXX XXXX to describe in which capacity XXXX accepted the assignment ( ownership ) of mortgage ; and why nobody assigned XXXX my Note. Mortgage Assignments : Assignment of a Mortgage Without the Underlying Note is A Nullity in all jurisdictions. It is the general rule in Florida ( where NTC is incorporated ) that the transfer of a mortgage note transfers with it the related mortgage. The mortgage note is regarded as the principal item with the mortgage being regarded as a mere accessory. 6 Fla. Jur. 2nd, Bills and Notes, Section 123. Hence the adage " the mortgage follows the note. '' " All the authorities agree that the debt is the principal thing and the mortgage an accessory. The apparent rule in Florida is that an assignment of a mortgage without an assignment of the related mortgage note is deemed a nullity and creates no right in the assignee because a mortgage is a mere lien incidental to the obligation it secures. 37 Fla. Jur. 2nd, Mortgages, Section 511. See e.g., Sobel v. Mutual Development , Inc., 313 So.2d 77 ( Fla. 1st DCA 1975 ). Vance v. Fields, 172 So.2d 613 ( Fla. 1st DCA 1965 ).
Again, ALL transfers must be conducted and authorized by a Principal who is a legit owner of the underlying obligation ( if any ). As of today here is no evidence of any ownership as well as here are no loan account receivable held on the ledger of any Company. All my payments are cashed by XXXX XXXX XXXX via XXXX who have lockbox agreements with XXXX XXXX XXXX XXXX ( the originator of my transaction ).
All property taxes and insurances are paid by CoreLogic, who was recently accrued by XXXX XXXX XXXX and XXXX XXXX via their sham conduits Mr. XXXX XXXX Holding ( owner of XXXX XXXX, former XXXX XXXX XXXX XXXX-2 ) ; Senator Fund operated by XXXX banker XXXX XXXX ; and Stone Point ( operated by XXXX XXXX XXXX XXXX XXXX XXXX. Here are no single document ( except NTCs assignment ) which is related to XXXX as a Servicer no need to say owner of my purported obligation On XX/XX/XXXX XXXX XXXX sued XXXX for theft of proprietory secrets from their MSP ; and confirmed that XXXX XXXX is originating over 62 % of ALL so-called loans. XXXX XXXX processed my Application for a Loan acting on behalf of their client XXXX Mortgage who was a pretender lender hired for a small fee.
The reason for the absence of accounting or original documents is simple. The securitization players had to avoid any loan account when they sold securities because if they owned a loan account they would be accused of selling the same loan over and over again. Instead, they sold securities representing performance data bets on nonexistent loan accounts as reported in the sole discretion of the investment bank who was operating under the fictitious name of the REMIC trust.
The Government decided that its simply OK now to lie to consumers about who is lending them money and what risks consumers are assuming without knowing anything about it. There is no incentive at all to make a viable, workable loan that provides the benefit of a bargain to both a lender and a borrower because there is no lender.
What we have instead are originators who pretend to be lenders ( hence pretender lenders ) and who are treated as though they are lenders even though they have no lending intent. Their intent is to make a fee which is disguised as the profit on selling a mortgage and note that they never owned. Because it is labeled as a sale the word fee is avoided. but that doesnt make it a sale.
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| 04/12/2016 |
No |
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- Loan servicing, payments, escrow account
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Web |
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This is a Formal Complaint against ; 1. NATIONWIDE TITLE CLEARING INC. For performing Unlawful, deceitful practices by Altering documents to their advantage and filing faulty assignments nominating themselves as the " Substituted Trustee '' for the benefit of their client and Partner in Crime, XXXX ; And 2. XXXX for Fraudulently attaching themselves to my old loan, UNABLE TO PROVE a Recorded Assignments existed, they 've Falsified Information in order to con me and Trick me into believing they were servicing my loan on behalf of XXXX Bank XXXX ( which XXXX bank has denied having any affiliation with XXXX and my then property in a Formal statement ). Attachments XXXX I was never provided with a signed servicing assignment to XXXX for pooling and servicing my loan. No assignments were ever recorded at the XXXX office. I have the documents & will be happy to forward CFPB the Pooling and Servicing records.
In order to to Deceive Everyone, XXXX Companies mentioned above have joined forces to Forge documents and manipulated the facts to make their Fabricated material appear as legitimate & Lawful. Only by means of False STATEMENTS in a XXXX page letter these XXXX companies are claiming they were entitled to my property and Defrauded me.
A crime has been committed and I Request an Investigation and an Audit of all their records. I guarantee there is no Proof of Assignments or Alleged documents they Claim entitled them to my property & sale Proceeds. So far, a bunch of Bogus Claims without Merit have been made and none have been Dignified by presenting Solid Proof.
In order to Justify their Bogus claims are not Fraudulent, I DEMAND ALL OF THEIR CLAIMS TO BE BACKED UP BY PRESENTING Convincing, and Legitimate HARD CORE EVIDENCE to CFPB, Said EVIDENCE MUST Prove an UNBROKEN CHAIN OF TITLE showing ALL Genuine DOCUMENTS comprising All RECORDED ASSIGNMENTS TRACED BACK TO THE ORIGINAL DATE OF PURCHASE Until Close of Escrow Dated XXXX, 2015 when XXXX Mortgage without having Legal Assignment to collect my sale Proceeds, shamelessly Accepted said Proceeds on their own behalf. In Absence of a TRUE Note owner, I demand to know ON WHO 'S BEHALF DID XXXX Take my SALE PROCEEDS When contrary to their disclosure, XXXX was NOT the note owner? WHAT TYPE OF PROOF THEY SHOWED THE ESCROW OFFICER to prove entitlement to Steal my Money?!
The Title Report Clearly showed No Lien On my property by XXXX nor any mention of Nationstar or their partner in XXXX Nationwide Title Clearing Inc.
Once again, I demand to see Assignments. A major crime has been committed and It is very Obvious that they 've tried to Manipulate me and the legal System as well so they look the other way. You are our only hope. Please do n't allow them to Manipulate CFPB as well. These XXXX companies are CRIMINALS and Have Many Fraud Complaints and Lawsuits Filed against them. By checking CFPB site alone, you can see how many have been Victimized by them. When is Enough going to be enough and Criminals brought down to justice?
Please Note that XXXX has been sent the QWR Letter twice and XXXX times Failed to answer my Legitimate Inquiries, Failed to show documentation that I have requested and failed to produce the note and Proof of Assignments to service my loan. XXXX also WILLINGLY and KNOWINGLY LIED ABOUT THE TRUSTEE AND OWNER OF THE NOTE by sending me the same LIE FILLED Note, which states ( Our records Indicate ... Followed by providing me with Lies about the Trustee, Note Owner, Address and wrong, non working Phone number ). while XXXX clearly denied ever being affiliated with said Property, Why would XXXX 's record show such and such lies?! Clearly, XXXX is Not to be trusted and any further Statement letters are NOT to be Accepted as a sufficient reply to my very SERIOUS COMPLAINT. Thanks.
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| 06/14/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dear CFPB, Please find my complaint against Nationwide Title Clearing, Inc ( NTC ) and XXXX XXXX XXXX XXXX XXXX ) for mass forgery of Assignments and other documents documents and collections of non-existing " debt '' masqueraded as " mortgages '' ; and fraudulent foreclosures On XX/XX/XXXX someone hired NTC to prepare an Assignment of my so-called " mortgage '' with XXXX XXXX XXXX to XXXX XXXX XXXX, XXXX ( former XXXX XXXX XXXX.
I contacted NTC and asked who hired their Company to prepare this Assignment without a Note ( which is legal nullity in all jurisidction ) if someone transferred purported " ownership '' of my Note ( which is missing from all records ) to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, which was my closing day, via XXXX XXXX illegal under HUD 's rules ).
NTC refused to respond who is their client and which particular documents reviewed Mr. XXXX XXXX before he attached electronic signature of " XXXX Vice President Mr. XXXX XXXX '' XXXX who never worked for XXXX and probably does not even exist as a person ).
XXXX sent my inquiry to XXXX, XXXX XXXX who was acting as nominee for XXXX XXXX and whose Vice President " XXXX " appeared '' before NTC employees and is personally known by NTC Notary.
Bear to repeat, XXXX purportedly performed numerous transfers of my alleged " obligation '' to various parties - such as " sold '' it to XXXX XXXX and placed in some Pooled Securities ; acted as a Servicer for someone whom XXXX can not identiofy ; transferred " ownership '' via XXXX to XXXX on my closing day - which XXXX always deny despite the factual evidence - all in less than 24 hours on XX/XX/XXXX.
XXXX, XXXX also was not able to tell who is the Principal who hired them to " appear '' before NTC employees and passed my inquiry to ... XXXX, who claimed to be an " owner '' of my alleged obligation since XX/XX/XXXX - while purported " transfer of ownerhsip '' was recorded by NTC on XX/XX/XXXX, or more than a year later.
When I ask XXXX how they became " owners '' of my alleged obligation - XXXX tell that they purchased my " loan '' from someone whom they can not identify ; and that they servicing some investors of secretive XXXX XXXX XXXX where XXXX XXXX XXXX XXXX is a Trustee - while the Investor, according to XXXX, is XXXX themselves who also claim to be " issuers '' of XXXX XXXX 's mortgage backed securities.
I repeat my question - who hired NTC ( must be owner of the debt ) to prepare an Assignment of Mortgage to XXXX on XX/XX/XXXX.
The Assignment of Mortgage with the Note is nullity in all jurisdcitions and must be removed from my property records as NTC agreed in Settlements with Florida Attorney General in XXXX ; and with Illinois Attorney General in XXXX.
I demand NTC to disclose Mr. XXXX XXXX place of employement and his contact information, so I can contact him personally to discuss details of this " transaction '' I demand a list of documents reviewed by NTC before they employee XXXX XXXX attached electronic signature of Mr. XXXX to the Assignments I reserve my right to demand more disclosures from NTC.
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| 10/15/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Demand for Disclosures under Rule 26.
Dear XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and Nationwide Title Clearing corporation : : I am prepared to file my legal Action against all parties who during last six years defraud ; gaslight and terrorize me with demands of payments for the virtual " loan '' [ information about money ] - particularly XXXX XXXX XXXX who mail me correspondence, notices, " billing statements '' fraudulent " Modifications '' ; illegal " Payoff Statements '' where I instructed to send my money to XXXX XXXX " cash management '' acting under glimpse of fake " Servicer '' XXXX ''.
Now someone secretly processed " foreclosure '' without any Notices to me- likely XXXX and XXXX XXXX and used forged by Nationwide Title Clearing fake " assignment " to steal my property via criminal foreclosure on XX/XX/XXXX.
Since this is a very big and complex litigation, I want to avoid mistakes and include wrong parties or not include right parties.
Under Federal Rule 26 of Civil Procedure I have right to demand initial disclosures, XXXX and XXXX must, without awaiting a discovery request, provide to me : ( i ) the name and the address and telephone number of each individual likely to have discoverable informationalong with the subjects of that informationthat the disclosing party may use to support its claims or defenses. Particularly, name of my Creditor and its mailing address and phone number. The name of individual employee of my creditor who hired XXXX to send me correspondence, billing statements, " Modifications '' and " payoff statements ''. Name of eachg XXXX employee who processed these documents and sent them to me.
XXXX must provide me Contact information for XXXX Vice President XXXX XXXX and Notary XXXX.
( ii ) a copyor a description by category and locationof all documents, electronically stored information, and tangible things that the disclosing party has in its possession, custody, or control and may use to support its claims or defenses,, specially proof of distribution to Investors ; and accounting ledger for my loan.
XXXX must provide me the full list of all documents their employees reviewed before they executed an assignment in favor of XXXX on XX/XX/XXXX ; state time and place where my alleged Mortgage was sold ; and the full amount of consideration, in $ $ XXXX paid for my Mortgage. State the name and position of the individual employee who made this payment. State the name of individual employee who received this payment ( iii ) for inspection and copying as under Rule 34, any insurance agreement under which an insurance business may be liable to satisfy all or part of a possible judgment in the action or to indemnify or reimburse for payments made to satisfy the judgment.
Copy of my Complaint is attached and will be filed shortly Please provide all requested documents in 7 days or no later than XX/XX/XXXX.
Best regards XXXX XXXX
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| 02/05/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Unauthorized transactions or other transaction problem
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Web |
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Nationwide TITLE CLEARING stated as XXXX XXXX XXXX XXXX # XXXX XXXX CALIFORNIA XXXX ON CITY OF XXXX XXXX VA DEEDS OFFICE DEPUTY XXXX. DOCUMENT STATES AS FOLLOWS AND IS ATTACHED AS TIF FILE..
PREPARED A TRUST AND A PRIVATE CLIENT XXXX ACCOUNT in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX STATED AND RECORDED AND ENTERRD ON XX/XX/XXXX BY CITY OF XXXX XXXX CALIFORNIA COURT AS..DOCUMENT # XXXX or XXXX as per attached XXXX file sent to me by deputy XXXX XXXX deputy clerk of the city of XXXX XXXX va attached to ..GPIN # XXXX as recorded on document ON XX/XX/XXXX IN MY NAME XXXX XXXX TRUSTEES XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX NOTARIZED BY XXXX XXXX XXXX of XXXX California Entered XX/XX/XXXX Thru a private XXXX client SERVICES account at XXXX private client services bank ( I NEED THIS ACCOUNT NUMBER IMMEDIATELY ) XXXX XXXX XXXX XXXX XXXX california SIGNED BY THE VICE PRESIDENT WEALTH MANAGEMENT CLIENTS ... XXXX XXXX
Loan # XXXX as stated on document recorded as DOCUMENT # XXXX or XXXX PREPARER by XXXX XXXX AT NATIONWIDE TITLE Clearing XXXX ISSUED FROM MY SOLELY owned property XXXX XXXX XXXX XXXX XXXX va XXXX ATTACHED IS MY DEED OF XX/XX/XXXX ME AS Single individual us citizen of the USA IN MY NAME XXXX XXXX.
THIS OFFICIALLY RECORDED AND ENTERED IN BOTH CITIES OF XXXX XXXX VA COURT AND XXXX XXXX CA. DOCUMENT is recorded at the city of XXXX XXXX va Deputy XXXX XXXX I am requesting all authorized documents and all linked ACCOUNTS and ALL XXXX PRIVATE CLIENT SERVICES HELD IN MY NAMES SINCE XXXX AND ALL wealth management accounts and services and insurance policies and all beneficiaries and payouts and images of front and back of all checks that were used during this prepared document by nationwide title clearing ... ON ALL THE XXXX PRIVATE CLIENT SERVICES BANK XXXX XXXX XXXX XXXX California ACCOUNTS during this transactions XX/XX/XXXX for fraud review and to recover my identity and recover my life savings stocks and other funds solely owned by me of way over a million dollars.PKYS INTEREST NOW.. I want to see who represented themselves as me XXXX XXXX XXXX XXXX XXXX AKA XXXX XXXX and the monies transferred in and out of these accounts I reserve all my legal rights in this matter.
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| 12/23/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Complaint against Nationwide Title Clearing and its robo- signers Notary XXXX XXXX and XXXX XXXX and Demand for Verification of " Notary XXXX '' and " XXXX XXXX XXXX signatures and personal meeting with her, XXXX XXXX and their supervisors.
I found numerous Assignments of Mortgages and other documents in different States with absolutely identical stamped signature of " Notary XXXX XXXX ''.
I have reasonable doubts that XXXX did not attached these signatures; did not authorized use of her electronic signatures ; and does not know who use these signatures.
In other words, my Assignment is a text book forgery. Moreover, I have doubts if " Notary XXXX is a real person who is employed by NTC and who Notarize these assignments.
Under Uniform Electronic Transactions Act ( UETA ) I have right to demand a letter of Authorization and Acknowledgements from Notary XXXX and XXXX XXXX that they personally prepared attached Assignment and disclose the name of the authorized officer from my Creditor who instructed them to prepare this Assignment..
UETA includes provisions regarding the authentication of electronic signatures, and defines an electronic signature as an electronic sound, symbol or process attached to or logically associated with a record and executed or adopted by a person with the intent to sign the record when a dispute arises regarding whether a signor 's electronic signature is authentic, I demand Notary XXXX and XXXX XXXX provide me their wet-ink signed Affidavits, and schedule a phone conversation with XXXX XXXX and XXXX XXXX to discuss based on which documents they prepared Assignment of Mortgage to XXXX who has no idea who is the owner of my alleged debt and can not tell me whom they servicing all this time.
I also demand a personal meeting Notary XXXX and XXXX XXXX in their office, where they can show me documents based on which authority XXXX XXXX acted as XXXX Vice Presdient and transferred alleged " Mortgage with XXXX '' to XXXX.
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| 02/23/2021 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Because the fact I found there are some Robo-Signatures affecting the title of my property located at XXXX XXXX XXXX XXXX CA XXXX original caused by this company NATIONWIDE TITLE CLEARING INC. This company has been investigated in the past for the same I experience by 2 State Attorney generals.
The end result has been I'm experience a Property theft without no Local, or State Agency willing to take my inquire complaint against this company.
I asked them in a friendly manner to remove those fraudulent documents recorded in the County records they ignored and rejected my request, I File an inquire with the CA State Attorney Office ( attached ) as well ( I'm attaching the 2 consent orders from Illinois State AG and Florida State AG as precedent ). They didn't want to investigate this issue I reported as a California Customer Consumer.
I'm trying to expose here I been a victim of White Collar Crime. I want someone assist me in order to protect my property.
I understand because the Fact existed Robo signatures performed by NATIOWIDE TITLE CLEARING INC 's Employees all the following documents recorded are void plain and simple.
As I stated against the Companies who performed the theft in my property with Null/Void documents even lying to the CFPB in each complaint I opened in the past against them. I would like to a very least to launch a investigation against NATIONWIDE TITLE CLEARING INC FOR RECORDING False/Void Documents affecting the title of my property which its been stolen as we speak.
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| 05/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XXXX XXXX XXXX XXXX XXXX XXXX by Nationwide Title Clearing Inc. its attorney-in-fact assigned mortgage to XXXX XXXX XXXX with XXXX XXXX signing as Vice President.
I would like to file a complaint against NTC and demand they disclose who autorized them to prepare assignment to XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX XXXX then assigned mortgage to XXXX XXXX XXXX XXXX For XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX with XXXX XXXX signing as Assistant Secretary.
I would like to file a complaint against XXXX XXXX XXXX XXXX and demand they disclose who autorized them to prepare assignment to XXXX XXXX XXXX XXXX for XXXX XXXX SC XXXX ( even though XXXX XXXX states in letter attached that they do not own the loan or mortgage nor service the account ).
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| 02/24/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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GREEN TREE FACILITATED FICTITIOUS LOANS WITH TITLE THEFT TAMPERING AND THIS WAS DENIED WITH COMPANION COMPLAINTS FILED.
DITECH FINANCIAL LLCXXXX GREEN TREE SERVICES LLC WHOSE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ARIZONA XXXX DID TRANSFER TITLE UNDER FICTITIOUS LOANS SCHEMES TO NEW RESIDENTIAL MORTGAGE LLC WHOSE ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX WITHOUT ANY PERMISSION, ANY AUTHORITY OR ANY KNOWLEDGE.
I AM SOLE PROPERTY OWNER AND GREEN TREE AUTHORED, ENDORSED AND PREPARED FICTITIOUS PROPERTY LOANS WITH US BANKS FOR OVER THE AMOUNT OF {$300000.00} AND MOST LIKELY MORE FICTITIOUS LOANS.
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| 10/17/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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This letter is part of investigation of fraud involve my mortgage, I have attached this inquiry a copy of the assignment in question. please provide me this information I listed below. 1. the balances of notes that transferred or sold. 2. who is the lender for each note. How many notes in this assignment. 3. what role you played creating this Assignment. My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX please be inform your answer will be use in court. This letter is part of elimination process to find out who involved in mortgage a fraud.
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| 02/26/2019 |
No |
- Mortgage
- Conventional home mortgage
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Web |
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XX/XX/XXXX Written Notice/Request for ( Copies And Originals Returned To -Me ) : Documents Filed/Recorded - for XXXX XXXX XXXX , XXXX ( Release ) bearing Date XX/XX/XXXX ( SECOND MORTGAGE ), AND - FIRST MORTGAGE ( RECORDED ) ( Release ) bearing SAME Date XXXX - ANY AND ALL DOCUMENTS, - PLUS- ORIGINALS -ALL-RETURNED TO ME, AS REQUIRED MY LAW WHEN " SATISFIED '' THE " NOTE '' WILL BE MARKED PAID/FULL/SATISFIED AND RETURNED TO " borrower ''. *As of today XX/XX/XXXX = 25 days has past- and still have No response or requested items Returned to me.
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| 06/28/2022 |
Yes |
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Web |
Servicemember |
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I purchased a " newly completed home '' at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. On XX/XX/XXXX I was informed by the XXXX XXXX XXXXXXXX final permits for home were obtained.
|
| 02/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FLORIDA IS NAMED ON FICTITIOUS PROPERTY ASSIGNMENT OF MORTGAGE FOR FICTITIOUS LOAN SCHEMES AGAINST MY PROPERTY UNDER IDENTITY THEFT SCHEMES
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| 11/15/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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|
| 08/10/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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|
Web |
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|
| 06/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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| 09/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Referral |
Servicemember |
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| 10/21/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Referral |
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| 10/21/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Referral |
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| 07/22/2015 |
No |
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- Application, originator, mortgage broker
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Referral |
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| 06/04/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Referral |
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