Quality Loan Service Corporation CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/11/2017	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA 90740	Web	Servicemember
Please find that " XXXX XXXX XXXX '' is acting as a Trustee under a disguise of a SELF Appointed Sub of Trustee role, indicating that a " TRUST '' NAMED XXXX XXXX XXXX XXXX XX/XX/XXXX' is the owner who assigned them by some " client of their own making named as a Servicer called XXXX. That the underlying investor named XXXX XXXX went defunct, and only " assets '' moved to XXXX XXXX in XX/XX/XXXX '. However XXXX was informing they " were '' the lender. Took funds from me for 7 years now those funds were OMITTED and forced into a mod OR foreclose - that increased the balance. XXXX said they were the " Lender-Investor-Creditor '' then each Regulatory Agency said NO you ca n't be as nothing existed as this was non performing in 07 '. There are now over 8 lawsuits by regulators instructing XXXX to stop lying. Add confusion that XXXX acting as Servicer was bought by XXXX now XXXX claimed both roles. Rather than keep any of the agreements made under XXXX 's very extreme abuse which I encountered horrible lies told and moving into a full underwriting for a rewrite of a new mod - ( which at that time XXXX said I missed a payment to cause a default -this was not true ) I had made those payments. Furthering the abuses by XXXX turned to XXXX. XXXX admitted NO Lender can be known it is impossible. However while I was " in '' underwriting for this very long awaited outcome of principal write down - XXXX made a mistake and caused an admitted mistake of a filing a Notice of Default. That NOD was filed " Outside of CA Laws '' and the newly enacted Civil Codes including specific documents to be attached XXXX that were not attached and never attached - Filed a false affidavit as XXXX had full documents, and continued at that point to " Transfer '' for a Debt Collection to Servicer XXXX when " no underlying investors existed '' however XXXX did not care about any laws of California, and allowed XXXX 's own attorney firm acting now as the Sub of Trustee ; causing a Posted Sale during the transfer Time - Clearly CFPB Violations. Continued to cause dual hardship and later found that XXXX was NOT the Investor when asked to use " Keep Your Home California '' as then found no investor existed. This did not stop backdated Fake assignments and claims by XXXX XXXX foreclosure to continue to make up fake Assignments and record at the XXXX County and then used in a Bankruptcy filing to make a non sensical link that is purely fictional. Then jumped again from 3 Attorney firms to make claims they worked for XXXX XXXX which was " Impossible '' the other claimed to work solely for XXXX however on paper claimed another role - that of SUB OF TRUSTEE for a " Creditor '' as under the DOT only a Creditor can Assign - however given no investor exists = The Attorney firms created the paper and used for the notary tag team of the Servicer to ACT as if some real party holding rights has given them an official power of attorney to allow employee 's of unrelated persons to act and now assign a new Sub of Trustee this was a double event, first using XXXX XXXX acting as SOT self assigned and now XXXX XXXX XXXX Acting as Trustee with claims that an owner under the DOT has assigned them however the only client existing is a Servicer " claiming to have a client ''. During this entire fiasco of intense harassment, including interferences to property rights, use and income affected, without any concern the " Attorney 's '' brought the FRAUD onto the Federal Court. The FRAUD of now which includes entirely made up fake assignments, and " Forged Note ''. The Notes existing are the one most similar to XXXX XXXX XXXX Note perhaps found in the original XXXX XXXX XXXX as that is the only real lender related. However during many disputes each one diverted by deflection of no responsibility exists to answer or lame blame answers that are unrelated to the facts having caused an entirely Made Up Figures -along with a " newly Created '' FAKE FORGED NOTE. Now this Note being claimed Due ( Which is Time Barred ; Has No owner : and was discharged after 10 years in a BK ) Now appears to have an " Allonge '' that is pre-dated from the borrower/myself ever signing or seeing this Allonge. That once an Allonge is created it forever stays with the NOTE. This did not happen as NO Allonge existed. IT is clear that XXXX does not have that Allonge and provided a different note to answer Regulators in XX/XX/XXXX '. At the same time XXXX produced this same fake forged note with an allonge that was Dated BEFORE Borrower 's ever signed her note or loan documents. This makes NO VALID SENSE. Except of a Stolen note event. That NOTE includes an Allonge signed by someone named XXXX. That XXXX NOTE was presented to federal Court. That XXXX NOTE is a fake note being tossed to varied self Assigning Sub of Trustee 's having no concern of " who '' or " how '' their client has represented that they self assigned a role of SUB OF TRUSTEE - however typically made by their own firms attorney firm. Signed by a NON CREDITOR NON OWNER and pretending to use as if a real beneficiary has assigned them a role. Recording that SOT on the Courts and County Records. Then using this as proof to have been hired to act on behalf of a " Creditor '' named as the Trust. This is bogusly corrupt. No REAL Client exists of the Creditor/Investor. No relationship to the SOT exists from the claims made. ONLY a Beneficiary can assign such a role. However in this event ONLY a Self monopolized role of a Servicer Self Servicing a Role that is NOT true and then being the ONLY client of the Sub of trustee in this case EVEN Though on paper a Sub called XXXX XXXX XXXX acting for XXXX XXXX XXXX XXXX however this is NOT True. XXXX " only ' client is a Sub to a Sub to a transfer from 5 times back to end up in hands of non related parties and no underlying beneficiary. The Note is no longer enforceable by any means. Rather than release the lien. A game is played that has now raised further illegal abuses to have occurred. That relates to an underground back door Deed Theft Ring happening and the " Attorney 's hired '' by those fake claimed servicer 's are aiding the wrong party entirely to enter side dealings that compromise the integrity of our entire Court, and County Land Records. At this very time, those attorney firms associated with the Deed Theft Rings are these SAME Linked parties. My other property was purely fictional Bank came and pretended a sale auction occurred -- NO Sale Date had occurred however these Attorney 's aiding wrong parties are now " feeding themselves '' in new paths to aid the Deed Theft Rings. That right now over 100 Properties the ones I 've personally investigated this week alone all relate to time barred, no real underlying creditors and now instead of the Servicer claims those employee 's of both Servicer AND AUCTION Co and that of the pretender Sub of Trustee 's are allowing fake trustee 's deeds to wrong parties. Relentless in being brainwashed to think they have a " client '' that is an Investor Beneficiary however knowing that this would be IMPOSSIBLE. That it is believed that no good faith, no duty of fair dealings whatsoever are possible when dealing with theft of this magnitude and pay outs that allow the largest attorney firms to make a ton of money related to false pretenses and think they can rule the entire system with fake documents. When XXXX was recently assigned as " attorney ' associated to be the backbone of XXXX XXXX XXXX - assigned to this file - having already laid hands on my other properties to which has entirely fake persons making up fake assignments - in this situation, both XXXX and their role changing hats XXXX claim that they are all Exempt from ALL LAWS and any mistakes regardless of how BIG a mistake being made has only to land on Servicer 's back and that they can make any claims they want as playing role Trustee. However each time they are informed WRONG FIGURES - Failing and Omitted 7 years of payments, entirely made up forged affidavits, robo signers named as those in the NMS agreements, continue to slander my title with false documents by fake persons, fake claims and having no real underlying client. XXXX had stated that they will make sure to follow all laws under CA State as they are the Trustee and that is required however when pushed they claim " Exemption '' from all laws. Now each CA Specific State law is not upheld. The NOD was filed defectively in the first place it is still and will forever be missing the " XXXX '' as now it 's been nearly 5 years since that faulty NOD filed by XXXX 's inhouse council acting in all roles monopolized the system and had admitted that a mistake and misrepresenations were made at that time and thereafter. NOW a Posting of a Sale showing THAT MONEY IS OWED - no Debt is owed as this is Discharged after the 10 years in XXXX '. However this does not stop publishing of the same claimed debt. Now furthering was a Posting of a Notice of Sale by XXXX XXXX XXXX ACTING DECEPTIVELY - THIS INCLUDED MAILING TO WRONG ADDRESS. Skirting the proper notice. Then when informed of a dispute existing of figures, and of the debt - that informed XXXX of the varied lies encountered along with each lawyers firm hired that no longer exist 3 entire different firms found 2 of which were acting illegally and were closed - however never reversing the faulty NOD. Now underneath the chain of title is fake forged notes, and forged assignments by non related parties. The chain includes some back-dated assignments to unrelated parties not even the same as " who '' is now claimed or " who '' was claimed the time involved. Both XXXX and their Attorney firm named XXXX XXXX XXXX who " XXXX '' continues to reference as " their '' attorney firm however XXXX states NO they are ONLY XXXX XXXX XXXX XXXX Attorney Firm and that any mistakes are not their concern if made by Servicer. This tossing back and forth is deceptive. XXXX does interject and advertise that they are hired by the Banks and Servicer 's however now appears that this is a Front. That the servicer 's believe that they are handling legal aspects however NO ONE IS. The laws continue to be shaded and disregarded. A letter was sent to all parties in XXXX, and XXXX on " figures '' and loan history requests ; again answered with " Omitted 7 years '' ; Request was made to reverse the faulty NOD ; The letter of XX/XX/XXXX addressed no response from XXXX either as they stated they would confer and respond after the servicer response to make sure laws are followed then instead state ONLY DO AS INSTRUCTED by the Servicer - XXXX then apparently XXXX had instructed this firm to by pass the NOTICE Posting and fail to Properly Notice Homeowner, then has informed them to ignore all pre-foreclosure procedures including excessively moving sale dates more than 3 times and without regards to any " answer '' to any concerns raised. No answers come. No Accounting to match their made up claims. No true rights exist by such illegal means. A continued pattern that has caused the Commercial Crimes Division to become involved on my files as the FRAUD IS ALL OVER THE Place. A few attorney firms refused this file. NOT XXXX as they throw it to XXXX XXXX XXXX and claim they are not acting as Attorney 's so this means they can break all laws in such a role. Now XXXX fails to answer AT ALL. ON XX/XX/XXXX a request was made for the full accounting and reinstatement figures under additional laws ; however XXXX and XXXX who share offices at times and other times separate themselves from any accountability by deflecting any means to by pass accountability to uphold laws. Now on XX/XX/XXXX attempts were made to XXXX for the pay off figures and instead of providing these figures, stated NO Such Department was operating as they were in the middle of a Move of " that '' Department and at this time had no phones no internet and no access. That Department of payoffs and figures to cure the loan before a foreclosure was NOT AVAILABLE. Would not be available as they were at that time walking down the street hand carrying boxes. That this is the typically response it is always some " other '' person or department and each call results in a claim someone will call back and not once has a call been returned. This has been a sham. That NO good faith is found. That at all times I could pay and afford my payments I was denied my rights, and I was lied to by " each '' entity hired by this so called Servicer working on behalf of an " unknown '' and impossible to know Beneficiary - however XXXX continues to instruct Nationwide Posting to Publish that a Beneficiary is somehow directing all actions including that of Nationwide Posting by a 3rd party named as SOT Sub of Trustee who is self assigning their role without any real client. I am asking that a chance be given to allow fairness rather than steal my house of 12 years that I made EVERY GOOD EFFORT and Paid and my money was stolen right from me and now being aided by this Threat of Foreclosure from faulty schemes and failing to follow the laws. Not one entity has reviewed the CA laws including CC 2924g, 2924.17. or 18, and or any of the entire Civil Codes pertaining to heightened requirements of the XX/XX/XXXX ' enacted laws that were ignored at that time. Now running on a false and defective means to steal property without having a proper right, nor following any procedures set forth under the applicable laws. Not from the simple laws to the more complex security laws under the DOT noted under item 1 & 16 which claim all laws are to by upheld.
03/15/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90066	Web	Older American
QUALITY LOAN SERVICE CORPORATION may be considered a debt collector attempting to collect a debt that you owe to XXXX XXXX XXXX, successor trustee to XXXX XXXX XXXX XXXX, successor in Interest to XXXX XXXX XXXX as trustee, on behalf of the holders of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trust. Any information will be used for that purpose. Dear Quality Loan Service Corporation, Below find my response to a recent XXXX response to a complaint I filed with CFPB. " XXXX is a mortgage servicer '' does not say that XXXX is or ever was " servicing '' my alleged unpaid loan account. This is an obvious attempt to avoid making the assertion that they should be making and instead replacing it with an implication. Their response implies that they have been servicing my payments and making distributions to my creditor. If that is not true, then their statement is irrelevant. I object to the assertion that XXXX is the company that performs any functions with respect to physical receipt, processing, depositing or disbursement of funds in relation to any account bearing my name or any unpaid loan account on the ledger of any creditor. And they don't say that they do represent such a creditor or that they do perform such functions. If they mean they do other things that technically complies with the definition of " Servicer '', then they should say what they mean or not say it at all, since that is irrelevant to the question of validation of the debt. " servicing of your account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX'. They do not state that XXXX was performing the aforesaid functions of a servicer either. AND it fails to respond to my question or request for documents, to wit : if the servicing was transferred, this " misunderstanding '' could be cleared up potentially by presenting the agreement between XXXX and XXXX. Under representations and warranties, the issues would be clearly stated as is required in all documents involving banks. Neither of them assert that they represent as agent any creditor who maintains an unpaid account due from me. " XXXX XXXX the account according to the terms of the enclosed Note and Deed of Trust that were signed at origination. '' This is untrue unless they are willing to assert that they are in the business of accepting payments from me and that they have received payments from me and deposited those payments to the benefit of a creditor or otherwise distributed the funds for the benefit of a creditor. " we have also enclosed your Home Affordable Modification Agreement, XXXX Transaction History, XXXX XXXX XXXXXXXX XXXX XXXX Customer Account Activity Statement, Corporate Advance History, Escrow Disbursement History, and Fee History. '' This is not relevant without an assertion and corroboration of the existence of an unpaid receivable account owed to some identified creditor who will acknowledge both the debt owned by them and their appointment of XXXX or XXXX as their agent. A copy of the ledger certified by the alleged creditor is what I am asking for, not some random report run by remote financial technology companies. " Please understand that servicing rights and duties are established by contract between the Noteholder and the servicer. '' This is only true if the noteholder is the owner of the underlying debt. The servicing contract has not been produced. Normal servicing contracts would have the principal ( creditor ) warrant ownership and authority over the asset that is being managed by the servicer. " As the servicer, XXXX is responsible for enforcing the Deed of Trust and Note on behalf of the Noteholder. '' This statement is untrue. It is not responsible nor even authorized to enforce unless selected and appointed to do so by an identified creditor who affirms ownership of the debt and the appointment of XXXX to enforce it. This is exactly what I have been asking to receive and they keep evading the question. XXXX XXXX XXXX XXXX, successor trustee to XXXX XXXX XXXX XXXX successor in interest to XXXX XXXX XXXX as trustee, on behalf of the holders of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the Noteholder of the account, and XXXX is the mortgage servicer. '' XXXX can not be the mortgage servicer, unless it is acting as the agent of a creditor who can produce an authorized officer or employee to affirm the ownership of a debt owed by me to that creditor. XXXX XXXX XXXXs not the successor trustee to XXXX XXXX XXXX unless it was authorized to do so by the party who created the trust, along with the consent of the beneficiaries of the trust. The trust agreement in which XXXX XXXX was originally named, can not possibly qualify XXXX XXXX as a successor trustee under the terms of the trust agreement. My argument with this is that, regardless of whether or not the trustor agreed to the change of trustee, and regardless of whether or not this change could've been ratified by the beneficiaries, no such agreement or consent was ever given. Therefore, XXXX XXXX has no right to be operating as the trustee for the alleged trust. ( which doesn't own the debt anyway ). Since neither the trust agreement for this particular trust, nor any evidence of consent or authorization by the trust, store, or beneficiaries, is even referenced, this statement is pure nonsense designed to provoke the reader into implying or inferring that these formalities have been satisfied. Remember that the trust itself, even if it exists, is just a legal fiction based on following the formalities required by statute. Lastly, the reference is not to XXXX XXXX XXXX XXXX XXXX XXXX or even XXXXXXXX XXXX being a trustee for a trust. it is an assertion that they are trustees or agents for certificate holders. Once again the attempt is to provoke the reader into implying or inferring that the certificate holders are beneficiaries. But without any doubt that the certificate holders are not beneficiaries of any trust. XXXX XXXX owes no fiduciary duty to any certificate holder and in recent litigation, XXXX XXXX has repeatedly and successfully defended against lawsuits filed by certificate holders asserting that XXXX XXXX owed any duty to them. " While there is no recorded assignment to provide to you at this time, the mortgage assignment is tracked through the Mortgage Electronic Registration Systems ( MERS ) electronic registry. MERS tracks the ownership and servicing of some mortgage loans in the United States. '' The statement is not only untrue, but it is blatantly fraudulent. There is no recorded assignment because the lien was never purchased, sold, or even assigned on paper. This grows out of false claims that XXXX has mostly abandoned. When it acquired the assets of XXXX XXXX on XX/XX/XXXX, XXXX illegally took the position in courts across the country that every loan that had been originated by XXXX XXXX, was owned by XXXX, even though those loans were all subject to claims of securitization just like my transaction. The only public records that exist in our system of government and laws are the public records that are maintained by public authority. They are trying to tell me that a private entity is an acceptable substitute for public records. This goes one step further than the usual fatal deficiency in claims made. Usually, there is at least a fake assignment. In this case, they admit that no such assignment can be produced. Considering the time in which they have been able to perform research and due diligence, it is reasonable to require a court to make a negative inference-that a new purchase and sale of the underlying obligation, note or mortgage has ever occurred. They are attempting to launder the title to lien. Regards, XXXX XXXX
07/25/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA 952XX	Web
In XX/XX/XXXXI refinanced my home to make some home improvements and pay off some bills. At that time houses in California were at the top of their market and mine appraised for more than it ever had, and more than it has ever since. I was approved to take a large amount of cash out. I had a good job and thought it was a great thing. For several years I was struggling to make the {$1900.00} payments. In XX/XX/XXXXmy doctor took me off work for medical reasons, I had a savings so I continued to make the payments but called XXXX XXXX continuously throughout XX/XX/XXXX and XX/XX/XXXX to keep them up to date as to what was going on, and that soon I would not be able to keep up these payments. At the end of XX/XX/XXXX XXXX XXXX told me I needed to be behind on payments 3 months before they could help me. I let my payments fall behind so I could get help before it was too late, and in XX/XX/XXXX I started the modification process. In XX/XX/XXXX, my father XXXX XXXX and I moved my mother in with me to take care of her. She suffers from advanced XXXX and needed full time care. Taking care of her was a full time job and more. In XX/XX/XXXX, I was finally offered a modification by XXXX XXXX and I took it, I paid {$9000.00} in back payments and XXXX XXXX ONLY lowered my monthly payment by {$100.00}. I was shocked! I went back to XXXX XXXX and told them that this reduction was not enough for me to be able to keep up my payments and they told me it was too late as the paperwork was filed, then they stated that I could reapply for a new modification all over again if I needed another reduction. Which, I did. I knew this was going to be a huge struggle. The run around started all over again. Sending paperwork, them losing paperwork, me re-sending paperwork, just a constant back and forth. In XX/XX/XXXXI heard about Keep Your Home California and decided to ask for help. During the next 5 years to present date, I have applied to Keep Your Home California and XXXX XXXX at least 5 times to gain approval of one of their programs to help me keep my home, only to continuously send paperwork, them lose paperwork, round and round again. Reps would tell me what they needed from me to get a modification, I would send it to them, over and over, only to get turned down each time by XXXX XXXX for some other document they needed or was missing ( which I was never contacted for additional documents prior to denial ) Complete run around. Every couple months XXXX XXXX would request more information and give more reasons why it was taking so long. They would get my hopes up by telling me that was a good sign. In the meantime, my home had suffered a great loss in value, as all had, in the years since XX/XX/XXXX. I have spent hundreds of hours on phone calls, gathering documents, writing hardship letters, faxing paperwork, and sending emails to save my home. To no avail. They kept telling me not to send payments in order to get the modification approved. After all the run-around XXXX XXXX has put me through, the heartache and lost hope, my home went in to the foreclosure process, and now has an auction date of XX/XX/XXXX. As many times as I have tried, and tried, and tried, and have been denied, I have never given up because I truly believe there is a program to help me, I just havent found it yet. I have written many letters and each time I told my story, I went into great detail of how I lived my life, what I was losing, and how devastated I was. This time I will just say, I have had a true hardship, and am at the end of that hardship, so if I am given the chance to keep my home, it would be such a blessing! My last denial from XXXX XXXX was XX/XX/XXXX for my income was too low and my income has increased since then. I am paid a fair wage, I just dont have the full time hours yet, but I have been given more hours at work, and will work into full time in the next year, I have two tenants who pay rent, and I am a XXXX for a friend of the family. Keep Your Home California denied me because I filed an application with them too many days after my Default on the home was filed. All these requirements that everyone has, I dont find out until all the paperwork has been turned in, and many days have gone by. There are so many hardships in the past years on my part why I have not paid for so long, but why did XXXX XXXX let my account sit for so long when they knew I desperately needed help? I asked them for help long before I could not pay, because I saw it coming. Then to send an insulting NOI stating they have tried to contact me without success and I have never been in contact with them to get my financials. Plain insult. My house is a 35 year old modular sitting on a permanent foundation with XXXX acres, but in the county I live in, I estimate the value at {$170000.00} to {$200000.00} My income was reduced drastically over the last 6 years, that is why I contacted my bank for help, and one of the reasons I have fallen behind on my payments, and, the reason I have applied so many times for help. I also believe the value of the home is also in question. The appraisal in which this loan was based was back in XX/XX/XXXX and has reduced since then. Home value in this area has reduced tremendously in the last 10 years. I received a letter from XXXX XXXX, during the application approval process, that there would be an appraisal of the home. They never came to appraise the home or gave me a report. I believe the appraisal never happened because of the reduced home values in my area. Not really sure because every time I call XXXX XXXX I get a different rep or different answer.. What I am looking for is relief from the high mortgage payment and to place the past due amount to the back of my loan, if that is possible. I am willing to pay my debt and keep the loan, I am only asking for a reduction in the payment or loan amount to make an affordable payment. I have spent the last 30 years here and would love to spend my next 30 years here as well. I am asking for a chance, a chance to keep my home, a chance to stay in the area my children grew up in and still reside as adults, a chance to be near my mom who is still suffering from XXXX and is in a local XXXX XXXX, a chance to keep my job that is in this area. All of this will not be possible if I lose my home, as this is a small rural community and good rentals, and good jobs are hard to come by. I will have to move away from everything I have built here in the 30 years I have lived here. Please, if there is any way we can work together to make this happen, I would sincerely appreciate any help you can offer. My house is scheduled for auction sale on XX/XX/XXXX. PLEASE HELP, I JUST LEARNED ABOUT YOU YESTERDAY. I also learned my Trustee was sued by the state of Washington for inappropriate foreclosure procedures. I need HELP. I feel XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX and the Trustee ( Quality Loan Service Corp ) unfairly handled my account because it is a FHA loan and the modification was NEVER thoroughly reviewed, considered, approved, or worked with Keep Your Home California. This account was completed neglected and handled very unprofessionally. Please advise. Thank you in advance I am scared and devastated.
05/03/2017	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA XXXXX	Web
On XXXX XXXX XXXX , the California XXXX XXXX XXXX forfeited XXXX XXXX XXXX powers, rights, and privileges and remain forfeited to this day. Because of this action by the California XXXX XXXX XXXX , XXXX XXXX XXXX was not legally in business as a mortgage banker on and after XXXX XXXX XXXX and lacked the legal ability to enter into a binding and enforceable contract with a third party. A copy of the Certificate of Status from the California Secretary of State, dated XXXX XXXX , XXXX is attached to this complaint which demonstrates XXXX XXXX XXXX is legally out of business since XXXX XXXX XXXX . Also attached is a Copy of Form XXXX , page XXXX , Paragraph XXXX from the California XXXX XXXX XXXX , dated XXXX , which shows that foreign corporations who have their powers, rights, and privileges forfeited and enter into any contract with a third party after this action by the California XXXX XXXX XXXX creates a contract that is voidable by th e third party and unenforceable. XXXX XXXX XXXX also can not sue or bring legal action against any third party while they are in this status. The Secretary of State of California and the California XXXX XXXX XXXX requires XXXX XXXX XXXX to close business and stop all business related activity on XXXX XXXX , XXXX . Such a forfeited business corporation that provides a service, or goods, to third parties XXXX not be able to collect payment for such services and goods since technically they are not permitted to engage in any business transaction in the State of California. At dispute is a Deed of Trust, Promissory Note, and Loan Disclosures that pertain to my home, household and family. I am a natural person and a consumer. XXXX XXXX XXXX is shown within alleged copies of these documents as the Lender. Although the original loan documents have not been validated or verified by any alleged creditor or debt collector, as defined by the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 809 ( a ). To date unofficial copies of any Deed of Trust, Promissory Note, and Loan Disclosure documents are all signed by XXXX XXXX XXXX and me after XXXX XXXX XXXX I believe that XXXX XXXX XXXX knowingly committing an illegal act, fraud, and predatory lending with consumers after XXXX XXXX XXXX in its mortgage banking business. No disclosures were made of their lack of corporate powers to unsuspecting consumers. They should of stopped conducting illegal business but they did n't. Now enters Quality Loan Service Corporation who has identified themselves to me as a debt collector as defined by FDCPA 15 USC 1692 ( 6 ). This complaint is also about Quality Loan Service Corporation and their illegal and damaging debt collection practices. My first encounter with Quality Loan Service Corporation begins on XXXX XXXX XXXX when I receive a letter from them that claims they are the Trustee for an entity that is not mentioned in any of the copies of the original Deed of Trust, copies of original Promissory Note, or copies of the original Loan Disclosures. This entity is named in their letter as XXXX XXXX XXXX XXXX XXXX , AS TRUSTEE, FOR THE XXXX XXXX PASS-THROUGH CERTIFICATES, XXXX XXXX . '' The letter also deceptively says that their letter is a XXXX XXXX XXXX . I respond back in writing that the debt is in dispute, they are a debt collector with no legal standing and that they must verify and validate any debt in accordance with the FDCPA standards and they show wrong numbers in their letter to me regarding the alleged loan because they do not have any knowledge about XXXX XXXX XXXX 's status in California. This letter is attached to this complaint. California XXXX and XXXX XXXX XXXX XXXX states : ( a ) Any person who attempts or purports to exercise the powers, rights, and privileges of a corporation that has been suspended pursuant to Section XXXX or who transacts or attempts to transact intrastate business in this state on behalf of a foreign corporation, the rights and privileges of which have been forfeited pursuant to the section, is punishable by a fine of not less than XXXX XXXX XXXX dollars ( {$250.00} XXXX and not exceeding XXXX XXXX dollars ( {$1000.00} ), or by imprisonment not exceeding XXXX year, or both fine and imprisonment. Quality Loan Service Corporation is currently violating the California Revenue and Taxation Code Section XXXX by attempting to enter into a contract between me and Affiliated Funding that does not in any way involve their company. This company has recorded a Notice of Trustee Sale and also claims they will sell my home on XXXX XXXX XXXX at XXXX am. Further Quality Loan Service Corporation is NOT registered as a legal Nonbank Trustee with the Internal Revenue Service and therefore can not serve as Trustee that involves security instruments such as Promissory Notes. Quality Loan Service Corporation as a debt collector is violating 15 USC 1692 ( e ) ( 5 ) b y using false and misleading information that they can take any action such as foreclosing on my home when they legally can not take such an action. 15 USC 1692 ( e ) ( 6 ) and ( 7 ) making false representations that I do not have a right to a claim for my standing and demand to them to Cease and Desist interfering in a contract that they are not a party to and that my conduct by bringing this matter in a form of a complaint to the CFPB is is wrong and useless is done to disgrace me the consumer. Quality Loan Service Corporation also lies when they they respond to such complaints to your government agency. On XXXX XXXX XXXX , Quality Loan Service Corporation stated to the Consumer Financial Protection Bureau in a similar complaint by me that the foreclosure sale is on hold. But on the Quality Loan Service Corporations website, the sale date is scheduled for XXXX XXXX XXXX at XXXX XXXX . A copy of that sale announcement is attached and was taken from their website on XXXX XXXX XXXX . I am documenting this behavior of conduct by Quality Loan Service Corporation because they will likely be continuing with an illegal action to steal my home through a wrongful foreclosure sale. Both documents are attached to this complaint that show XXXX statement and then another action. I have informed Quality Loan Service Corporation in writing that they will be liable for damages that a consumer can claim in accordance with the FDCPA 15 USC 1692k. Copies of my dispute letters are attached and XXXX response they had a " legal assistant '' from a company unrelated to me in anyway concerning this matter. That letter representing Quality Loan Service Corporation 's standing never answered the question about XXXX XXXX XXXX status that I brought out in the debt verification and validation letter that I sent Quality Loan Service Corporation dated XXXX XXXX XXXX The loan has been rescinded by me and notification has been given to XXXX XXXX XXXX and no protest has been made by them.
10/17/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA XXXXX	Web
A Problem exists that an Assigned Sub of Trustee by a " NON '' True party except for by fake assignments is allowing to abuse the system. No answers to any defects made of violations of laws. QLS had taken over this particular loan in XXXX '. AT this juncture of time many fake assignments, made by non compliant notaries and fake persons acting as beneficiary 's and a continued pattern set to deceive. This was a XXXX ' XXXX XXXX. Predatory and having No Performance Ability without assistance. That assistance was promised, however each Regulators lawsuits instead of gaining the results furthered the abuses. An Acceleration of the Note occurred, called the Note DUE and thereby changing the maturity date. This Debt expired in XXXX ' however XXXX XXXX XXXX decided at the end of the National Mtg Settlement to create Fake documents again file a defective NOD using twice used 4 year old affidavits unreliable and exactly same pattern from the NMS - then instead of releasing the lien under CC 882.020a that under Operation of Law there are no rights to enforce by any means. Then XXXX XXXX XXXX SOLD TO XXXX and Transferred Servicing to XXXX XXXX XXXX XXXX had no right to SELL, as they had represented that XXXX XXXX was the Owner. However no link to any parties. XXXX interrupted stating they were " owner '' however two attorney firms hired for " Foreclosure '' XXXX and XXXX XXXX said NO XXXX was not telling the truth - Fake Assignments and Fraud was all over this title and the XXXX County Records. These firms refused to touch this VERY FRAUDULENT FILE. However in XXXX XXXX ' - XXXX XXXX XXXX was found as a Foreclosure Firm acting in ANY AND all Roles had no concerns to laws. And took the file. Filed NOD - refused to communicate and continued to file 3 Postings of Sales All sent to WRONG Address ALL HIDDEN sales to which were timed with a Criminal Trespass and which caused Massive Water Damage to the Property. At the same time XXXX stated " to assign '' Escalated Supervisors who each one disappeared claiming no longer work there. And exactly timed with XXXX XXXX efforts to attempt a foreclosure with false claims of Debt owed and deceptive practices. This caused massive horrendous abuses. A CA State Complaint was filed. XXXX answered by now lied to the Regulators stating that " They were Now Servicer '' Transferred role by XXXX XXXX XXXX and told the Regulators that XXXX XXXX XXXX stated that I failed to provide documents requested. This was also a lie as XXXX was NOT my Servicer during the prior Two years and made no sense. Each lie created a new illegal act. Now forced to a BK which I never gave up my rights to my property. The firm hand carried fraudulent Notes and fake non compliant assignments and missing gaps. Later to be again made up fabricated by XXXX XXXX XXXX who CREATES FAKE DOCUMENTS JUST LIKE LPS DOCX AND RECONTRUST in the major NMS lawsuit. Now continues to make up FAKE PERSONS acting under dba 's and again NON Compliant Notaries refusing to follow CA law or any laws. Now XXXX somehow is no longer assigned - and QLS becomes the New Sub of Trustee self assigned by some " Limited Power of Attorney '' by XXXX 's own staff creating legal documents. Now QLS again files a Notice of Default and fails to properly Notice Homeowner, just like XXXX did, and also uses a twice used nearly 4 year old False Affidavit ( the same one used by XXXX ) and instructs to Auction Company named XXXX to Post, Publish false claims of Debt owed, Publishing to 3rd Party XXXX ( owned by XXXX ) to publish non public information. PUBLISHED TO OVER 20,000 PERSONS VIEWING - MY FULL ACCOUNT NUMBER, FULL NAME AND PERSONAL DETAILS. Slandering my title, Slandering my reputation. Caused entire shame to my neighbors and my business relationships. Loss of use of my property from still attempting to fix and repair when XXXX stated for me to file with Claims dept however claims dept made it difficult and would NOT take the Police Report # 's and instead asked for full Police report when they do not release when open investigations. All this causing more harm and blocked from property rights. QLS states it was n't them that instructed XXXX to publish the personal information. However XXXX states it was them. Again this entire scheme to defraud continues. While this Notice of Sale is Posted at the XXXX County Records this causes another Massive Harassing situation as my " other '' XXXX Property without any Posted Sale Date was STOLEN on XXXX/XXXX/XXXX by a Deed Theft that is also matching and mimicking the same tactics of Servicer 's and making up fake assignments, using notaries, and claiming rights by Trustee 's Deed at Auctions. Those EXACT Same location and Auctions XXXX XXXX Posting QLS and XXXX as the trustee 's. The parties are stealing now from the Servicer 's and QLS is reselling these as well. This is totally massive corrupted now. XXXX XXXX XXXX is the Attorney firm overseeing QLS however XXXX Claims that " this Attorney '' Firm is representing them. A round circle continues. Each acts unaccountable to any applicable laws. A certified Mail was sent to QLS on the twice used defective details that are causing a violation of CA LAWS. However QLS fails to answer and instead claimed that they would " review '' the laws however now no laws are reviewed. This is to inform that this Sale date Threat has caused harm and needs to be looked into further. Each of the claims of ownership make no sense. No possible link exists. The claimed requirements by the underlying Creditor claimed have been violated. XXXX XXXX XXXX has a memo that explains clearly however no laws are reviewed. It is my belief that NO Rights exist by QLS and that they are now aiding illegal claims by misrepresenting roles, and failing to review any laws. This is a request to REVIEW the legal Documents with " Fresh Eyes '' to stop being biased in the response that only their client being the Alleged Servicer has made them to act. Under all Security laws this is a scheme to defraud. That this Note is TIME BARRED. That there are No Real Parties holding rights to enforce. And that only fraudulent documents are being used to aid in selling my home or threats to sell my property by strangers to strangers. I am asking that this be looked into by those parties such as QLS acting in a role that they must know is NOT valid.
10/09/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 92530	Web
Foreclose means its been paid and closed. Now just remember forgery in California someone that claims any paperwork or sent by mail or otherwise such as XXXX just did and many times along with Quality Loan Servicing Corp. and XXXX XXXX .... The arrest warrants have been issues along with a defaulted Bill. Agent to Principle, Principle to Agent. Sheriff and Police have been notified and have been served In home town. California Penal Code 115 a is Felony 10 years in prison for Forgery ... It is on District Attorney desk. Oh by the way XXXX XXXX and XXXX is not bonded to do business in California ... XXXX XXXX XXXXXXXX XXXX XXXXYou can not service loans or use the word servicer under a IRS Bulletin 544 Installment sale and 1122 AB Material Violation Select Pretend Services Transfers and servicing of financial assets - XX/XX/XXXX - Sale of mortgage servicing rights with a subservicing ... Regulation AB mortgages, installment loans, minimum lease payments under sales-type and Nonrecognition of transferred financial assets Read ASC 860 and SFAS 140-3 Non nonrecognition rules -What Mortgage, Its gone for bond then no more mortage Violates 1122 AB under the SEC once you divest your collateral its gone, bye bye so what are they foreclosing on? THERE IS NO MORTGAGE Example ... Note : Based upon 10 years of work as a XXXX XXXX and investigation into dozens of other cases in which these parties have asserted nonexistent rights to purported loans, defendant believes that the trust does not exist, that no transaction ever occurred in which the name of the trust was used to purchase the alleged subject loan, that XXXX XXXX has no authority as trustee or agent for anyone who does own the alleged subject loan, and that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, possesses no right, title or interest in the subject loan nor any right of administration of the loan on behalf of of any party meeting the definition of an actual beneficiary under a deed of trust. Or the claims of ownership or authority arise from a party or trust that never entered into any transaction under which such a party or trust purchased the putative subject loan nor any transaction in which such a party or trust purchased the rights to enforce the debt, note, or deed of trust.whether XXXX XXXX has any legal authority in a representative, agency, or trustee capacity and further whether the self-proclaimed servicer for the implied trust has any legal authority to administer the putative subject loan. * Based upon circumstantial evidence and disclaimers published by all the parties who seem to think they have an interest in foreclosing the subject property, the answer to all of the questions is No. This accounts for the obfuscation in discovery which would reveal the truth quite easily and simply. * Accordingly, defendant served discovery upon the attorneys for the putative plaintiff. Simple logic dictates that if the trust does not in fact exist or if the trust exists but never acquired the putative subject loan, then the plaintiff does not exist, ( or it has no legal standing ), the attorneys do not have a client, XXXX XXXX has not stated a basis for being named in this action, and the self-proclaimed servicer is deriving its apparent authority from a nonexistent trust.The action is brought in the name of an implied trust, for which XXXX XXXX is designated as trustee. An implied trust can not be Plaintiff or Petitioner or party to any legal action. Besides lacking legal standing it lacks legal existence. And without an existing trust, the mere naming of oneself as trustee does not create or refer to a trust unless a trust actually exists.So faced with an unlawful detainer action by a trust that does not exist but whose name was used as the source of a credit bid at auction one intrepid homeowner has been keeping the bank and the Trust and the servicer at about for around 10 years. Each step of the way the judges were effectively bamboozled into thinking that this was a case of XXXX XXXX versus Homeowner who doesnt pay his bills. The reference to being a Trustee was merely to imply the existence of a Trust without ever actually saying the trust exists. And before I get started, take note : If I pay the fees I can file fake articles of incorporation or a fake trust instrument with the SEC. Once that is done, I ask for judicial notice of the corporation and the judge, along with the foreclosure defense lawyer, will most times agree that the entity exists. Our analysis here of the chain of title clearly shows that in many if not most cases, the at least one of the entities involved never actually existed. This is particularly true of so-called XXXX Trusts. Look at the wording very carefully. It is their Achilles heel : XXXX XXXX XXXX XXXX, AS TRUSTEE, FOR XXXX XXXX XXXX XXXX, HOME EQUITY MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX
08/13/2019	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 950XX	Web	Older American
This complaint is about a pretender Trustee claiming to have authority to act on behalf of the original lender and filing fraudulent substitution of trustee in county recorder office to make it look legitimate. When asked to produce real documents that authorize them, they refused to and has not when asked. It is the law and their responsibility that they are in possession of accurate and competent evidence before they can proccedd in any foreclosure proceeding. The law requires the presence of a specific legal person who possesses a claim based upon actual loss from nonpayment. Quality Loan Service Corp. ( QLSC ) who I had filed a complaint back in XXXX See ( COMPLAINT ID XXXX ) apparently tried to minimize their involvement in a foreclosure scheme. They claimed they are merely a " foreclosure '' Trustee conducting their " duty '' in taking Home Owner 's home due to default. They had alluded that it is the servicer who need to provide the correct accounting. However, QLSC was the party who recorded inaccurate information in the County records in two separate Notice of trustee Sales within 3 months and with a {$590000.00} price difference between the two notices. Since they halted and postponed the last Auction date. I waited for them to correct the records and expected them to reply, therefore I did not pursue further in the last complaint. However, so far nothing in response to that NOTICE OF ERROR I had sent to them on XX/XX/XXXX under USPS # XXXX XXXX XXXX XXXX XXXX XXXX. ACCORDING TO HOMEOWNER BILL OF RIGHTS. A NOTICE SHALL BE ACCURATE AND SUPPORTED BY COMPETENT AND RELIABLE EVIDENCE. NONE WAS PROVIDED. Therefore NEITHER TNOTICE OF TRUSTEE SALE recorded on XX/XX/XXXX nor XXXX XXXX, XXXX were supported with book accounting of those amounts and NOT in compliance with CALIFORNIA HOMEOWNER BILL OF RIGHTS which requires NOTICES SHALL BE ACCURATE AND SUPPORTED BY COMPETENT AND RELIABLE EVIDENCE. Worst of all. Upon checking with different local newspaper in my city/county, I could not find the required newspaper advertising of the sale. CCC section 2924f requires PROOF OF PUBLICATION. Despite many letters and inquiries previously about their legality as a so called substituted Trustee. What I have found out is that they can not be the valid trustee who has enforcement rights to my Deed of Trust. The substitution of Trustee recorded in the County record was fraudulent without enforcement rights or effect with missing attorney in fact. No demand for sale directly from the so called beneficiary was ever produced. After many requests, they still have not produce the " Beneficiary Statement and the beneficiarys instructions of default and demand for sale. There is no evidence such document exist as claimed by the Notice of Default. California Civil Code 2024 ( a ) ( 6 ) NO ENTITY SHALL RECORD OR CAUSE A NOTICE OF DEFAULT TO BE RECORDED OR OTHERWISE INITIATE THE FORECLOSURE PROCESS UNLESS IT IS THE HOLDER OF THE NENEFICIAL INTEREST UNDER THE MORTGAGE OR DEED OF TRUST. NO AGENT OF THE HOLDER OF THE BENEFICIAL INTEREST UNDER THE NORTGAGE OR DEED OF TRUST MAY RECORD A NOTICE OD DEFAULT OR OTHRERWISE COMMENCE THE FORECLOSURE PROCESS EXCEPT WHEN ACTING WITHIN THE SCOPE OF AUTHORITY DESIGNATED BY THE HOLDER OF THE BENEFICIAL INTEREST. I demanded a written authority of agency from the alleged holder of the beneficial interest or owner of the debt who paid value for the security. But despite multiple requests non were provided. QLSC is not the Trustee of my Deed of Trust, there is no factual document that give them that authority. QLSC did not provide me with the evidence that ANY Beneficiary actually wrote and declare any default and ordered the sale as they claim because my original lender was actually paid in full. I will need a Statement signed by an officer QLSC that the actual name of the so called Beneficiary and that they are in possession of the demand for sale for that beneficiary. Because of all the aforementioned discrepancies and non-compliant with the California Law. I believe the aggressive foreclosure endeavor from QLSC is intentional and malicious. I DEMAND THEM TO CANCEL THE FORECLOSURE ACTIONS PLANNED THIS XX/XX/XXXX unless they can provide me with evidence that they are the valid Trustee of my Deed of Trust, that they have written authority from the Beneficiary who paid value for the original loan and that they have complied with all current laws and requirement for their action. I am attaching the QWR AND NOTICE OF ERROR I had sent to them on XX/XX/XXXX and USPS tracking showed that it was delivered to their office before XXXX XXXX on XX/XX/XXXX Tracking USPS # XXXX XXXX US. THEY NEED TO BE STOPPED UNLESS THEY CAN SHOW EVIDENCE OF DEBT OR ACTING ON BEHALF OF A DEBT OWNER WHO HAD PAID VALUE FOR THE ALLEGED LOAN.
08/31/2018	No	Mortgage Reverse mortgage	Trouble during payment process	WA 982XX	Web	Older American
XXXX XXXX XXXX XXXX Theft of Home Equity Scheme by XXXX XXXX XXXX XXXX XXXX XXXX to : XXXX XXXX ( XXXX ) ; XXXX XXXX ( XXXX ) ; XXXX XXXX XXXX, I have contacted you previously about this matter of my Reverse Mortgage Serviced by XXXX XXXX XXXX. I am asking you to take serious note of this- I am NOT Delinquent on Property Taxes and have not been EVER. I am attaching documents Approving my Sr. Discount approval worksheet provided to me in XXXX. Process beginning for approval in XX/XX/XXXX and Ending in XX/XX/XXXX.This was Retroactive to all of XXXX, and my Sr exemption tax reduction Began for the first semester of XXXX. Payment was reduced from {$2700.00} to {$760.00} per semester.XXXX XXXX XXXX FORCED me to pay the full amount of {$2700.00} for the first semester - depriving me of my civil rights and paying the larger amount directly to XXXX County on my behalf while not owed. I returned the amount paid to the Assessor on my behalf to XXXX XXXX XXXX Subsequently -- this overpayment resulted in a credit for THREE semesters of tax payments. ALL THREE SEMESTERS ARE PAID IN FULL AND COMPLETELY CURRENT TO DATEXX/XX/XXXX. NO TAXES ARE DELINQUENT. YET despite multiple conversations and faxing of approvals to customer service at XXXX XXXX XXXXXXXX As Directed-They continue to DENY my full approval of the reduced tax rate. I have attached the work sheet and approval status provided to me by the XXXX County Assessor,, THE ONLY DOCUMENT TO BE PROVIDED TO ANYONE- BE IT THE PROPERTY OWNER OR LENDER. While XXXX says it is not an approval - if they read upper rt corner says APPROVED. That's the document provided by XXXX County for the whole process. The Clerk who approved me also wrote a letter in explanation of the application approval. The documents are self explanatory and clear to all reading individuals. The county makes no public website adjustment in taxation amounts in the year of approval. It is only made to the property owner.Of which I provided to XXXX the approval paperwork and they Blew off as false. Now I know it was PURPOSEFUL.. It was intentional not to approve the document. Despite my pleadings with staff of XXXX customer service-They have refused to accept the VALID reduction of my tax amounts and the documentation of such.- FACT IS- we are all being force fed the large payments, completely unwarranted- UNWANTED AND fully UNREQUESTED -Payments are made directly To XXXX County by XXXX XXXX XXXX on my behalf with NO NOTICE. The second Semester Despite my documentation of approval to the program- XXXX XXXX XXXX still stood by their decision to send LARGE tax payments for me REGARDLESS OF THE FACT all taxes are paid in full and current to date. Hence -- -- The recent over payment amount of {$2900.00} - The Amount of the 2nd over payment is available for return to them. However I want ALL to know of the Scheme XXXX XXXX XXXX has to force homeowners into a FALSE DEFAULT The light has gotten brighter- XXXX XXXX XXXX has also made FALSE claim I HAVE NO HOMEOWNERS INSURANCE POLICY. I have attached documentation of my policy - continued thru the years - XXXX to now renewed XX/XX/XXXX to XX/XX/XXXX. Paid in Full Notification was sent XX/XX/XXXX as per XXXX instructions by XXXX XXXX XXXX and XXXX XXXX XXXX to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX TX XXXX It is now ever Apparent that XXXX XXXX XXXX is seeking to STEAL My Home Equity. All of these actions are purposeful. YOU and Quality Loan Service Corp of Washington are party their Scheme. I Intend to SUE You Personally if you do not resolve this immediately. I Intend to SUE Quality Loan Service Corp of Washington. I Intend to SUE XXXX XXXX XXXX. MY Taxes are paid to date in Compliance with XXXX County Regulations. AND WERE PAID EARLY. There is no default with XXXX County now or ever. My Home Insurance is and has been in effect since XXXX! No Default there. This is absolutely BOGAS and I intend to take it to the Supreme Court if NEEDED. The problem is XXXX XXXX XXXX working tirelessly to force homeowners in to a false default to Steal their home Equity. I am sharing all information with XXXX XXXX, XXXX XXXX, Washington State Attorney General, The XXXX XXXX, The XXXX XXXX and all XXXX magazines and Social Agencies. XXXX and FHA also have been notified. WA STATE Mortgage Regulatory Agencies. XXXX XXXX -- An immediate Response and Solution from you is requested. XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX Attachments : Home Owners Policy and Payment Information and Date of Activation. XXXX XXXX Tax assessment and payment record. Approvals for Sr discount.
01/13/2017	No	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 95135	Web
I have determined there was apparent fraud involved with respect to several parties involved in invalid transfers/assignments of the Deed of Trust and Note relating to the above-mentioned property address. The invalid and fraudulent conveyance of rights, title and interest created lack of authority to transfer, substitute, or convey rights, title and interest of my property rights in relation to Deed of Trust, dated XX/XX/XXXX and recorded XX/XX/XXXX. The Servicere keep sending me all mail not related to the complaint at all. As an additional matter, we have performed a review of the current loan activities with your company. Needless to say, we are alarmed with the manner in which we have been treated by your company 's representatives. Your representatives have made blatant misrepresentations causing us serious damages, including the potential foreclosure of our home. The above-mentioned violations subject you to sanctions and nullification of the loan and the substantial nature of this claim may exceed the policy limits on any and all insurance policies issued that cover these types of risks. Following is a summary of our Procedural findings : There are many legal issues here ; LACK OF CLARITY AS TO REAL PARTY IN INTEREST WITH STANDING TO FORECLOSE The Deed Must Follow the Note : Physical Separation of the Promissory Note From the Deed of Trust, Necessarily Results in the Permanent Severance of the Relationship between the XXXX Instruments, and Any Previous Ability of XXXX to Produce Any Causal Effect upon the Other is Extinguished We believe and allege in good faith the all foreclosure actions being presently carried out against us and our property is invalid. Assignment of Deed of Trust, dated XX/XX/XXXX and recorded XX/XX/XXXX ( Exhibits " G '' ) and the Corporation Assignment of Deed of Trust/Mortgage, dated XX/XX/XXXX and recorded XX/XX/XXXX ( Exhibits " H '' ), that purportedly assigned all beneficial interests under the original Deed of Trust ( Exhibit " A '' ) to the purported foreclosing beneficiary, XXXX XXXX Bank XXXX XXXX, as Trustee for XXXX., was invalid by the very contractual rules that govern deposits of Deeds of Trust and Notes into this Securitization Trust. Also, this assignment would have resulted in the permanent separation of the Promissory Note from the Deed of Trust, and thereby converted the debt on the Property into unsecured debt. Chain of title in this case is unclear to say the least. The right to foreclose appears to sit with more than one party but in actuality belongs to no part involved with this case. ( 1 ) The first possibility is that only the Deed of Trust was assigned via either the Assignment of Deed of Trust, dated XX/XX/XXXX and recorded XX/XX/XXXX ( Exhibits " G ) and not the note. The pooling and servicing agreement ( Exhibit " P '' ), which created the trust, does not allow ANY individual transfers into the trust after XXXX days after the closing date ( Exhibit " P '', pp. XXXX ). The closing date on this Securitization Trust was XX/XX/XXXX ( Exhibit " G '', pp. XXXX ). This would extend the maximum allowable time for the deposit of both the Deed of Trust and the Note, together, into this trust to about XX/XX/XXXX. This Assignment of Deed of Trust, dated XX/XX/XXXX and recorded XX/XX/XXXX ( Exhibits " G '' ) was not executed until XX/XX/XXXX respectively. These dates are four years after the outermost deadline allowed under the contractual terms of the pooling and servicing agreement. A proper, timely, and lawful transfer of this property into this securitization trust is a contractual and factual impossibility. Therefore, only the Deed of Trust was transferred and thus the Trust only has possession and ownership of the Deed of Trust, not the note. The Deed of Trust alone is a nullity and has no authority to foreclose.
02/12/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	CA XXXXX	Web
Quality Loan Servicing - did not DENY errors in complaint XXXX - MORE QUESTIONS In all prior complaints QLS PROVIDE evidence something went wrong I have provided NEW EVIDENCE in last complaint to QLS that has not been addressed or answered. QLS like to say unintelligible questions- there are no unintelligible questions - OBVIOUS ERROS QLS is a trustee to protect all parties involved QLS has confirmed XXXX XXXX XXXX for QLS when the NO RECORD OF TDUS was filed in county recorders QLS - there is a statutory damage of XXXX bond to cover the filing of NO RECORD TDUS document in county recorders QLS want to OK its OWN wrong based on years ago- IS does not matter that is was in XXXX - THE discovery has bought more question that need an answer. QLS - this document confirms my interest in the property as of XXXX - THE TDUS is considered voidable and possible invalid on its face. The matter is still ongoing QLS - Response below Quality Loan Service Corporation ( " Quality '' ) is a trustee company that processes non judicial foreclosures. Quality is neither the Beneficiary of the subject Deed of Trust ( " DOT '' ) nor the loan servicer. Quality is the Trustee that advanced a non judicial foreclosure pursuant to the terms of the DOT that XXXX XXXX executed on XXXX XXXX, XXXX. Quality claims no ownership or security interest in the subject real property whatsoever. The foreclosure sale occurred on XXXX XXXX, XXXX. RESPONSE - TDUS is VOID and INVALID on its FACE First and foremost, we note that this is XXXX XXXX seventh Complaint with the CFPB. XXXX XXXX allegations are largely unintelligible in her most recent Complaint. We note that Quality has diligently responded to all previous inquiries. However, it does not appear that XXXX XXXX has raised any new issues. All of XXXX XXXX previous concerns have been addressed and responded to by Quality. It is Quality 's opinion that the foreclosure was properly advanced pursuant to the requirements of the DOT and California statutory authority. RESPONSE- THERE ARE NEW ISSUES AS PROVIDED SEE ATTACHED. ITS CLEAR THE FORECLOSURE WAS NOT PROPERLY HANDLED - NO RECORD IS CLEAR AND DILIGENTLY REVIEWED AND SEARCHED OVER 6 MONTHS - THIS IS THE FIRST TIME I PRESENTED DOCUMENT - THEREFORE QLS CANT SAY NO NEW DISCOVERY OR INFORMATION To the extent that XXXX XXXX continues to raise questions with regards to her bankruptcy proceeding, we note that Quality has already responded to XXXX XXXX inquiries. We would encourage her to discuss these questions with her bankruptcy attorney. In an effort to resolve this matter, Quality would again point out that presuming XXXX XXXX is referencing bankruptcy number XXXX, that bankruptcy petition was not filed until XXXX/XXXX/XXXX and relief from the automatic stay was obtained on XXXX/XXXX/XXXX. Quality recorded the Notice of Default ( NOD ) on XXXX/XXXX/XXXX and the Notice of Sale was recorded on XXXX/XXXX/XXXX. The foreclosure sale occurred on XXXX/XXXX/XXXX. As such, it is our position that the foreclosure did not violate the automatic stay. TO DATE QLS HAS NEVER SENT ANY DOCUMENT TO ATTORNEY OF RECORD ACKNOWLEDGING BANKRUPTCY STAY - QLS IS USING INFORMATION MYSELF AND XXXX HAS PROVIDED - ALL ACTION STOPS WHEN BANKRUPTCY IS FILED - QLS AT NO TIME STOPPED ANY ACTION Additionally, from what Quality can discern from her Complaint, it appears that XXXX XXXX questions the identity of the beneficiary of the DOT foreclosed upon. However, XXXX XXXX Complaint thereafter appears to quote the explanation previously provided by Quality as to the identity of the beneficiary. Quality is unable to determine what issues XXXX XXXX has with regards to the foreclosure, which occurred almost seven years ago. THE ISSUE IS CLEAR THE TDUS CANT BE VERIFIED AS REQUIRED BY LAW WHICH IS VOIDABLE
08/31/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA 92585	Web
Quality Loan Service Corporation, the non-judicial side of the foreclosure process of XXXX XXXX Attorneys sent two notices to the address of my abode, one addressed to me and one addressed to my XXXX father. ________________________________________________________________________________________________________________ In the mailings was a Debt Validation Notice stating that the current debt owed on my mortgage was {$130000.00}. The notice listed XXXX XXXX XXXX as the loan servicer for my FHA mortgage. _________________________________________________________________________________________________________________ I thought that the two mailings from Quality were false because the debt listed above is nowhere near the mortgage balance. The problem is that anyone has access to the terms of my loan, the original balance, when the loan originated, etc. But the one thing that is less accessible to anyone is the loan balance at, say, the moment. __________________________________________________________________________________________________________________ When Quality forwarded the amount stated above, I genuinely thought that this was a false mailing, when it presented itself as the trustee sale entity for a non-judicial foreclosure. _______________________________________________________________________________________________________________ The mailing did present XXXX XXXX XXXX as the one bringing the action, but XXXX knows to the very penny how much I owe on the loan. XXXX XXXX 's representatives did n't know about the foreclosure as late as XXXX/XXXX/XXXX, when I spoke with a representative with the company on that date. _______________________________________________________________________________________________________________ In my last complaint, Quality gave a diversionary tactic, which I see that it has done likewise in defenses penned at various websites. Its typical ploy is approximately : " XXXX XXXX is mistaken in thinking that Quality has an interest as trustee sale entity. Quality is just the agent in the foreclosure action and nothing else. '' Quality added to its response to me : " If XXXX XXXX wants to know what the debt is, he/she should talk to XXXX. '' Indeed I did, and the reps at XXXX directed me to the law arm at Quality, XXXX XXXX, and that they had nothing further to help me with, because they know that Quality did badly by presenting the debt figure it did. XXXX This nebulous response was what Quality stated to me in answer to my query : " What is the mathematics behind the debt figure, which it presents that is so materially different than the loan balance? '' It states very clearly on its Debt Validation Notice that if I had questions of the balance, to send in writing within 30 days of notice. I did this also, sending in two emails to Quality per instruction on XXXX XXXX, well within 30 days. _______________________________________________________________________________________________________________ The stipulation of the law is that the debt balance must be stated to the penny. If it is n't, then I have a legitimate complaint, if I can not verify it as the person who has the loan. I have the right to know to the penny how this figure came to be. Quality should not put its name behind any amount owed, unless it is assured of being correct to the cent. I need answers ; I need to know what action I need to take. Quality has dragged its feet for over three weeks, with its reps saying, talk to XXXX, or making some excuse as to why it has n't so answered. ________________________________________________________________________________________________
08/21/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92026	Web	Servicemember
XX/XX/2021 RE : Foreclosure Sale TS No : XXXX Quality Loan Service Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ext XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Please stop the sale of our home. Request attached to this email. Please help, the auction sale is scheduled for Monday, XX/XX/2021. I am at a critical point of our home ownership. I have in good faith tried to negotiate a modification for the life of my loan that is fair to the investors, servicer, and my family. I do understand that the bank does not have to offer or even extend any modification terms. I am not looking for handouts and we are fully aware of the moral hazard implications do not want to contribute to it. I have utilized both chapter XXXX and chapter XXXX bankruptcy filings to place my family in a financial position to afford the mortgage, and to avoid foreclosure I have reduced and cut expenses in every way possible. I have utilized every legal remedy to save our home. We have been told, by HUD agencies and credit counselors, that our front and rear end ratios regarding our income is sufficient to receive an affordable modification, however, the investor group has rejected every viable option to receive a life of the loan, an affordable mortgage solution to date. On Monday, XX/XX/2021, if no resolution is in place by that time, our home will be sold. With the assistance of NACA, I have exhausted efforts to achieve an affordable mortgage, because the investors, to date, have denied any affordable mortgage for the life of the loan, because they have only extended payment plans that have been temporary and offered no long term solution. If given the chance for a fair solution, we will be able to sustain mortgage payments for the life of the loan. I am now at the mercy of the servicer, the investors, and any efforts NACA can extend at this point. I pray that the investor team will have compassion and really work to help us maintain our home with a proprietary mortgage modification solution that is long term, affordable for all the stakeholders to include the investor and servicer. Please help, as this will be my last opportunity to maintain our home. I have recommended many to NACA over the past 7 years, and many have received successful assistance, with permanent and affordable mortgage modifications. Although I have not received an affordable modification to date, I have always trusted in the NACA Save the Dream concept because I have seen the excitement of those I recommended who received help. Although I have never received a sustainable modification to date, I continue to recommend NACA to many people. I am hoping a final effort can be made for a modification on behalf of my family and our family of 7 is not displaced. Our primary goal is, and has always been, to maintain our home and not displace our family. I realize this is an uphill battle, but I will not be able to be at peace if I do not try to use every possible option until the options have been exhausted for a modification that is for the life of the loan. This issue has created tremendous anxiety and uncertainty, and I have the tremendous weight of this burden to ensure the stability of my family. I feel things are starting to cave in around me now and to have my family displaced during a pandemic is adding more to the fear. If you can make a final attempt for a modification on my behalf, I would like to pursue the optionit is at least worth the effort. Please help. Sincerely, XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX
03/05/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 931XX	Web
California Supreme Court and Our Forensic Loan Audit Herein is some information surrounding our situation and we are asking for intervention on our behalf ; as The California Supreme Court indicated as shown below. RECENT REVELENT CALIFORNIA SUPREME COURT RULING The California Supreme Court onThursday ( XX/XX/XXXX ) ruled unanimously in favor of a fraudulently foreclosed-upon XXXX XXXX XXXX XXXX Mortgage XXXX. XXXX is a link to an article on this case : XXXX Experts from this article follow : The California Supreme Court on Thursday ruled unanimously in favor of a fraudulently foreclosed-upon homeowner in a case that should serve as a wake-up call to state and federal prosecutors that mortgage companies continue to use false documents to evict homeowners on a daily basis. '' A homeowner who has been foreclosed on by one with no right to do so has suffered an injurious invasion of his or her legal rights at the foreclosing entity 's hands, '' the justices wrote. But maddeningly, practically nobody in a position of authority has stepped up to prevent those injurious invasions. The case, XXXX v. XXXX XXXX XXXX XXXX, sends a powerful signal from the nation 's biggest state that the massive false document scandal, first discovered nearly a decade ago, is not over, despite mortgage company promises to the contrary. The XX/XX/XXXXNational Mortgage Settlementwith the XXXX largest mortgage companies ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX ) included language committing the firms to end the production of false documents. But they continue to be used on a daily basis to evict homeowners. The foreclosure in the XXXX case occurred XX/XX/XXXX, seven months after the completion of the National Mortgage Settlement. State attorneys general and the Justice Department have every authority to assert that companies are not following the terms of the XX/XX/XXXX agreement. But instead they 've turned a blind eye, at best supporting the efforts of homeowners to challenge their own foreclosures. Thefollowing is a link to this case : XXXX FORENSIC LOAN AUDIT THAT WAS PERFORMED ON OUR LOAN DOCUMENTS REVEALED THE FOLLOWING We had aforensic audit done on our loan docs and the examination of the evidence available atthat time and it revealed the following facts : Presently, XXXX. reports that XXXX XXXX XXXX , XXXX. is the " Servicer '' of the subject transaction ; and that XXXX XXXX XXXX, XXXX is the " Investor. '' This indicates that the Note and Deed of Trust ( " Mortgage Loan '' ) have been sold. ( SeeExhibit C. - XXXX Research Results ) The Loan in question is being tracked as a receivable of the Structured Adjustable RateMortgage Loan Trust, Series XXXX ( " SARMS XXXX '' or " REMIC XXXX '' ). ( SeeExhibit D. - XXXX Research Results ) The Structured Adjustable Rate Mortgage Loan Trust, Series XXXX is a public offering and the related documents are available on the Securities and Exchange Commission'spublic access website at : XXXX The Prospectus Supplement contains a Summary of the securitization and lists the entities that were involved which may be viewed in its entirety at : XXXX # XXXX. ( SeeExhibit E. - Prospectus Supplement Excerpt ) The Trust Agreement that governs the securitization describes how the Mortgage Loans are to be conveyed into the REMIC Trust. The Trust Agreement may also be viewed inNotably, the Mortgage Loan Schedule ( " MLS '' ) that should have been att
10/06/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 92530	Web
Dear Trustee : I am in receipt of XXXX XXXX XXXX XXXX, Trustee sale Notice letter dated XXXX.2017. I hereby object to the Notice and request that you send a copy of this letter to your insurance carrier and all other interested parties as described herein for the following reasons : 1. There is no delinquency or default. The Lender has been paid in full plus a fee for standing in for an undisclosed third party lender that was not properly registered or regulated as a financial institution or lender at the time the transaction took place. 2. The Lender has failed to state the name or address of the holder in due course, XXXX XXXX XXXX, being the holders of certificates of asset backed securities, which are backed by the security instrument ( mortgage ) on the subject residential property. 3. The Lender does not own, possess or control the note or the mortgage, which has been satisfied in full. Demand is herewith made for satisfaction of mortgage to be filed in the appropriate county records. 4. Your authority as Trustee has also been transferred to the Trustee of the pooled mortgages and/or notes on various properties, real and personal, that were included in an asset pooled that was eventually securitized and sold to investors, who along with others in the chain of securitization acquired rights and obligations to the note, mortgage, and stream of revenue eventually due to the investor. 5. Because of the known presence of necessary and indispensable parties to any dispute that the true holders in due course might have against me, only a judicial proceeding in which all parties are included will provide a fair determination of the rights, obligation and title to the property, mortgage and note. 6. The loan closing was in fact a scheme to trick me into issuing a negotiable instrument that was pre-sold to investors as an unregulated security. The parties and their fees were not revealed nor was the true APR disclosed, as it was inflated considerably by the intentional overstatement of the appraisal on the property. 7. The title agent, which might well be the same as the Trustee also has insurance for errors and omissions and the title insurance company that issued the policy will have total liability for this fraudulent transaction to the extent it had knowledge through its agents of the fraudulent scheme. The totality of the transaction violates numerous state and federal laws including usury, Truth in Lending, deceptive business practices, and administrative standards for the practice of professions. Therefore, please confirm the filing and recording of the satisfaction of mortgage, send the original note back to me ( or tell me where it is ), and confirm the retraction of the attempt to collect a debt which is incorrectly stated, improperly computed, improperly obtained, and fraudulently produced and transmitted.. P.S. dont forget to let them know I complained many times it was forged of my name in hand writing and non-disclosure on the second closing ... had no 1-4 rider controling documents to the instrument undisclosed as well as the forensic audit i sent you showing incomplete documents as well as thousands of percent higher evaluation and usury interest rate. thank you for you Business..Your Defaulted Bill is Waiting for you to Pay Now., Principle to Agent, Agent to Principle .... Sincerely XXXX XXXX & Trust NEED TO SEND A XXXX to me you did n't XXXX me ...
03/24/2017	Yes	Debt collection Mortgage	Taking/threatening an illegal action Seized/Attempted to seize property	CA XXXXX	Web
Pursuant to the California Revenue and Taxation Code the California Franchise Tax Board on XX/XX/XXXX, forfeited all powers, rights and privileges from a mortgage banker known as AFFILIATED FUNDING CORPORATION. AFFILIATED FUNDING CORPORATION is identified as a Foreign Corporation with the California Secretary of State with a corporation file number XXXX whose address was XXXX, XXXX, CA XXXX with XXXX as Chief Executive Officer, Secretary, and Chief Financial Officer. The California Revenue and Taxation Code states that when a foreign corporation has its powers, rights and privileges forfeited that " any contracts entered into during the forfeiture are voidable at the request of any party to the contract other than the suspended or forfeited corporation. Such contracts will remain voidable and unenforceable unless the corporation applies for relief from contract voidability and the Franchise Tax Board grants relief. '' See Cal. Rev. & Tax. Code 23304.1. Additionally there are tax fines by the California Franchise Tax Board for entities that violate their forfeiture status. XXXX remains out of business today per the Secretary of State of California and no transfers or mergers have occurred. XXXX XXXX XXXX, entered into a contract with me in California AFTER the XX/XX/XXXX date for XXXX residential home loan contracts which consisted of Deeds of Trusts and promissory notes. All three residential home loan contracts which consist of Deeds of Trusts and promissory notes at my request as the law provides have been voided. No foreclosure sale can take place by XXXX because the contract ( Deed of Trusts ) are voidable and unenforceable as the California law states. The problem today is that XXXX , Inc. and Quality Loan Service Corporation are debt collectors and both companies are conspiring and attempting aggressively and illegally foreclose on my home with a sale date of XX/XX/XXXX. Both claim that they have the right to do that from AFFILIATED FUNDING CORPORATION and they reference a voided and unenforceable Deed of Trust that was signed and recorded AFTER the XX/XX/XXXX date that AFFILIATED FUNDING CORPORATION as Mortgage Banker and Lender was not allowed to do business in California. XXXX Corporation started harassing me in XX/XX/XXXX and Quality Loan Service Corporation in XX/XX/XXXX. Quality Loan Service Corporation has recorded a Substitution of Trustee document and a Notice of Default and Trustee Sale without my permission, without proper verification and validation of debt, and they are placing themselves into a voided and unenforceable contract that they have no standing or right to be in. I have written both debt collectors and told them in witing to Cease and Desist the foreclosure action and both companies ignore my written letters and documentation of the voided and unenforceable contract. I have also filed a Police Report for Identity Theft against both debt collectors because I did not provide these companies with any of my financial and personal information and they have created an account in my name and without my permission. Here are the names, addresses, and phone numbers for these two debt collectors : XXXX , Inc., XXXX, XXXX, UT XXXX, Phone is XXXX. Quality Loan Service Corporation, XXXX, XXXX, CA XXXX. Phone is XXXX. I have researched these debt collectors and they are high volume foreclosing businesses active in California.
10/05/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92026	Web	Servicemember
XX/XX/2021 RE : Foreclosure Sale TS No : XXXX Quality Loan Service Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX ext XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TS No : XXXX XXXX XXXX XXXX XXXX , TX , XXXX XXXX Please stop the sale of our home. Request attached to this email. Please help, the auction sale is scheduled for Monday, XX/XX/2021. I am at a critical point of our home ownership. I have in good faith tried to negotiate a modification for the life of my loan that is fair to the investors, servicer, and my family. I do understand that the bank does not have to offer or even extend any modification terms. I am not looking for handouts and we are fully aware of the moral hazard implications do not want to contribute to it. I have utilized both chapter XXXX and chapter XXXX bankruptcy filings to place my family in a financial position to afford the mortgage, and to avoid foreclosure ; I have reduced and cut expenses in every way possible. I have utilized every legal remedy to save our home. We have been told, by HUD agencies and credit counselors, that our front and rear end ratios regarding our income is sufficient to receive an affordable modification, however, the investor group has rejected every viable option to receive a life of the loan, an affordable mortgage solution to date. On Monday, XX/XX/2021, if no resolution is in place by that time, our home will be sold. I have exhausted efforts to achieve an affordable mortgage, because the 1 of 2 - XXXX No : XXXX investors, to date, have denied any affordable mortgage for the life of the loan, because they have only extended payment plans that have been temporary and offered no long term solution. If given the chance for a fair solution, we will be able to sustain mortgage payments for the life of the loan. I am now at the mercy of the servicer, the investors, and any efforts that can be extended at this point. I pray that the investor team will have compassion and really work to help us maintain our home with a proprietary mortgage modification solution that is long term, affordable for all the stakeholders to include the investor and servicer. Please help, as this will be my last opportunity to maintain our home. Although I have never received a sustainable modification to date, I am hoping a final effort can be made for a modification on behalf of my family and our family of 7 is not displaced. Our primary goal is, and has always been, to maintain our home and not displace our family. I realize this is an uphill battle, but I will not be able to be at peace if I do not try to use every possible option until the options have been exhausted for a modification that is for the life of the loan. This issue has created tremendous anxiety and uncertainty, and I have the tremendous weight of this burden to ensure the stability of my family. I feel things are starting to cave in around me now and to have my family displaced during a pandemic is adding more to the fear. If you can make a final attempt for a modification on my behalf, I would like to pursue the optionit is at least worth the effort. Please help. Sincerely, XXXX XXXX Property Address : XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX
01/27/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Settlement process and costs	CA XXXXX	Web
Quality Loan Service Corporation - has no record of bankruptcy stay and or proceedings from XXXX or XXXX QLS received information after complaint filed XXXX -which raised more questions QLS - email provided in XXXX makes no mention of bankruptcy stay, notices or correspondence to or from any bankruptcy proceedings ( attorney etc ) QLS has not provided any documents correspondence with XXXX or XXXX - stating to proceed with foreclosure XXXX was out of business in XXXX according to SEC noticed I received - the request would have had to come form XXXX After QLS response raised more questions and research The Notary XXXX XXXX has confirmed only the Recession document to be valid-no notary negligence The Trustee Deed Upon Sale as not being valid-notary obligation not meet-notary negligence QLS - stated below in email someone instructed them to foreclose while I was in bankruptcy stay- Who? and what date? and where is the letter? I am also forwarding information to bankruptcy fraud and all appropriate agencies Here is what Quality Loan Servicing emailed on XXXX XXXX, XXXX prior to massive research and discovery. It disappointing when a homeowner in trust agencies and people when signing the agreement. The trustee is to be neutral for all parties involved. QLS has stated very personal comments instead of assisting to correct its errors, and mistakes. XXXX XXXX, Quality was the trustee and therefore does not now and has never been in possession of your original Deed of Trust or Promissory Note. We do have a copy of the Deed of Trust, which I have attached for your review. As you can see, the original beneficiary of your Deed of Trust was XXXX XXXX Bank, XXXX. I have also attached a copy of the Assignment of Deed of Trust, by which XXXX XXXX assigned your Deed of Trust to XXXX Bank XXXX as trustee for XXXX Mortgage Pass-Through Certificates Series XXXX Trust. The assignment was done on XXXX XXXX, XXXX. Also on XXXX XXXX, XXXX, XXXX Bank XXXX as trustee for XXXX Mortgage Pass-Through Certificates Series XXXX Trust substituted Quality as trustee, as indicated by the attached Substitution of Trustee. Quality processed the foreclosure and held a sale on XXXX XXXX, XXXX and the property reverted to the beneficiary, XXXX Bank XXXX as trustee for XXXX Mortgage Pass-Through Certificates Series XXXX Trust. However, Quality was thereafter instructed by the beneficiary to rescind that sale, so it recorded a Notice of Rescission of Trustee 's Deed Upon Sale on XXXX XXXX, XXXX. Both of these documents are attached for your review. Quality thereafter was instructed to re-notice the sale and proceed with the foreclosure, which it did on XXXX XXXX, XXXX. By that time, XXXX XXXX XXXX, NA had merged with XXXX, which is why the Trustee 's Deed states that the property was conveyed to XXXX XXXX XXXX, XXXX XXXX as successor by merger to XXXX as trustee for XXXX XXXX. I have reviewed your foreclosure file and do not see any defects in the foreclosure process. Although Quality does not maintain a copy of the Note in its file, I acquired a copy of your Note from the lender, which I have attached for your review. My XXXX Number is XXXX.
07/25/2019	Yes	Mortgage VA mortgage	Struggling to pay mortgage	NV 89014	Web	Servicemember
XXXX XXXX XXXX Fraud- illegal foreclosure My husband XXXX XXXX took out a XXXX XXXX XXXX XXXX XX/XX/XXXX for {$300000.00} for our home at XXXX XXXX XXXX XXXX XXXX NV XXXX through XXXX XXXX XXXX . On XX/XX/XXXX, XXXX was hurt in an industrial accident and denied emergency medical attention by his employer despite them knowing his serious established service connected disabilities that they received tax incentives for. This delay in medical attention caused his injury to be prolonged and his workers compensation claim was initially denied. This further complicated his care, leaving him no choice but surgery. Although the surgery helped him, and XXXX struggled to return to his position, his attorney failed to secure any rights and he suffered a XXXX loss in pay. He was not able to continue employment and was forced to resign in XX/XX/XXXX. It took quite a while to secure his retirement and his VA claim also took quite a while forcing us into bankruptcy. Foreclosure proceedings started in XX/XX/XXXX and we were offered a modification plan. In XX/XX/XXXX, XXXX and I had a falling out while he was changing medications and we separated. XXXX changed his address out of state. All of the house paperwork went to his new address with my name on it. During this time, XXXX changed the address with the post office and I did not approve of this, as he granted me VA Power of Attorney. Our mail started to disappear. We lost several checks, credit and debit cards. I filed an Inspector General complain with the USPS Number XXXX. I never signed certified mail for a foreclosure and was never referred to a hud counselor. I thought that we were in a modification agreement. When there was a notice put on my door for foreclosure, I attempted to call Quality Loan XXXX, the Trustee on the loan and XXXX XXXX to inform them I needed to speak to a counselor. XXXX XXXX gave me an option to bring the loan current on XXXX hour in the amount of {$49000.00}. I contacted Quality Loan and let them know I had not spoken with a counselor and was told to call back to speak with the legal department. The legal department said they were not the attorney and asked me to call the attorney several times moments before the sale. I was able to communicate via TTY relay service to Attorney Goulding. He could not remember his Bar number, was not aware of anything in our file and had not reviewed any of the paperwork personally. He is not licensed to practice law in the State of Nevada, where the home is. There should have been a guarantee on the loan of {$62000.00} by the VA but the home was still foreclosed on by Quality at XXXX, XX/XX/XXXX. There is mail theft involved and mortgage fraud. Further details, notes and tty transcripts are available. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/06/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	WA 98512	Web
To Whom It May Concern, Here is a summary of events on the house my ex-wife was awarded in our divorce over 10 years ago. However the loan was in my name. House payments were behind for several years, Attempts were made by me several times to bring the house current for her. At one point we got a notice to pay current from the mortgage company with an {$8000.00} or so figure with a time limit to pay. We sent off a bank wire transfer with in the time frame. Two weeks later the funds were returned to the bank and we were notified of an error and that they needed almost {$12000.00}. After this we tried several attempts through the mail system to do a " loan Modification '' directly with the bank. Each time we were told we filled out the papers wrong and had to start over. We did this 3 times over a 2 year period. Then in XXXX we started going up to XXXX, XXXX, to the XXXX XXXX Help Center. We filled out the Loan Modification papers there. 4 times we had to start over. Again we were told some of the forms were not filled out correctly, EVEN THOUGH THEIR OFFICE IS THE ONE THAT HELPS US FILL THEM OUT. This went on for an additional two years till XX/XX/XXXX then they switched our " LOAN SERVICER '' to XXXX XXXX XXXX. We had to start over on the loan modification forms. XXXX XXXX we were continuing to get requests for additional information through XX/XX/XXXX. On a phone call to XXXX XXXX servicing XX/XX/XXXX, we were told that we should not be getting any notices because they had already foreclosed the property through a sheriff 's sale XX/XX/XXXX. At this point I quit trying to help my ex-wife as it seemed it was finally over with knowing the foreclosure had occurred. My credit began to recover and XXXX XXXX quit reporting to the credit bureau 's any late payments on my Part. Then about XX/XX/XXXX they began reporting me as late payments again. I disputed it and it was removed. But then it showed up the next month and every month since then. And my credit score has dropped more than XXXX points. And I just got a notice from XXXX XXXX that they decreased my credit line due to a recent late payment account. My ex-wife was again served a Sherriff 's eviction at the end of XXXX XXXX, and XXXX XXXX XXXX took possession of the home and put a lock box on it. I spoke with them directly on Friday XXXX XXXX, XXXX and they informed me the initial foreclosure was done improperly and so they were having to go through the process once again. I however now did not receive any paperwork or notification and was told that I no longer was a part of the loan. I did not quite understand but accepted it as this was what I wanted to be the case. Now in XXXX they again are reporting this as late and again showing on my credit. This needs to stop. Sincerely, XXXX XXXX
05/18/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 915XX	Web
On Monday, XXXX XXXX, 2015, I received a letter from Quality Loan Service Corporation ( " Quality '' ) titled " Debt Validation Notice '' with an XXXX XXXX, 2015 date, which stated pursuant to, and in compliance with the Fair Debt Collection Practices Act and the XXXX Fair Debt Collection Practices Act ( FDCPA ) the notice allowed me to respond in writing within 30 days to dispute the debt. This notice also further stated Quality was a non-judicial foreclosure trustee and has been instructed to commence foreclosure proceedings against a property I own. I am unfamiliar the creditors named within the Quality notice and the debt amount that is claimed to be owed on this property different from my records. On XXXX XXXX, 2015 ( less than 30 days ), I responded in writing by sending a Dispute and Notice to Validate Debt to Quality at XXXX XXXX XXXX, XXXX XXXX, CA XXXX via U.S. Certified Mail No. XXXX XXXX XXXX XXXX XXXX. This is well within the 30 day requirement of FDCPA regulatory guidelines. Concurrently, on XXXX XXXX, 2015, Quality agents executed order paperwork to process the foreclosure and on XXXX XXXX, 2015 Quality filed the documents with the Office of the Recorder in XXXX XXXX County with a Trustee Sale date of XXXX XXXX, 2015. This means that in 24 days, Quality sent the original notice than filed paperwork against me. Quality has violated several XXXX XXXX. XXXX & XXXX subsections. If Quality claims it filed the Trustee Sale and/or foreclosure order as a " bona-fide error '' and " overshadowed '' whether clerical, procedural or otherwise, then Quality must immediately cease and desist with the foreclosure proceeding of the property until this matter is rectified and resolved XXXX. Quality must postpone the Trustee Sale immediately and Good Faith must be evidenced by stopping any further action whether non-judicial, legal or collection until it has complied with FDCPA requirements allocated to me by law. These actions are inconsistent and to the contrary of federal and state laws inclusive of those of the FDCPA. Conclusion, Quality has commenced, processed, signed documentation and have acted in malice, deceptively and unfair within no intent to honor the 30 day period before pursuing on any action against me. Quality has in fact unethically commenced in the collection of debt without VALIDATING THE DEBT XXXX. This is negligence and a total disregarding for my lawful rights. Quality has not responded to my dispute, nor practice fair collection practices when they filed at the Office of the Recorder within less than 30 days from the date on the Debt Validation Notice, and several days prior the Quality agent signed the Order No. XXXX and authorized the foreclosure.
05/30/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 92530	Web
XXXX : XXXX USING THIS FRAUD COMPANY TO SERVICE WHICH IS A irs VIOLATION, STATING SERVICER, PLUS THERE WAS NO LOAN NOR MORTGAGE. HAVE NO CONTRACT WITH EITHER OF THESE FRAUDSTERS. https : XXXX Send cease and Desist orders long ago, see how fake this is? After Recording Return To : ______________________ ______________________ ______________________ ______________________ _____________________ [ Space Above This Line For Recording Data ] __________________ FICTITIOUS DEED OF TRUST Fictitious Deed of Trust recorded by ______________________________ on behalf of [ Name of Person ] ________________________________________________________________. [ Name of Lending Institution Causing the Instrument To Be Recorded ] This title page is hereby incorporated into, and made a part of, the attached Deed of Trust, both of which together comprise the Fictitious Deed of Trust. This Fictitious Deed of Trust is being recorded pursuant to XXXX XXXX XXXX XXXX ( XXXX 2006 ). XXXX, and XXXX XXXX XXXX XXXX XXXX is not licensed to do business in XXXX XXXX at least that is what the XXXX XXXX licensing division claim, or in the State of California. so the California Secretary of State shows this company is in collusion with XXXX ( XXXX XXXX XXXX pretending to be the Trustee for foreclosure purposes and acting under Color of law which means in collusion with Officers of Law Corporate in Collusion with Fraudster Banks with fiat paper monies and instruments. You do not have chain of title you do not have a contract with the real owner of the property and land that you are offering for sale both on the internet ( wire fraud ) and in person. You have committed and been involved in fraud, swindles, tricks and schemes. This amounts to Robbery ashore as part of the pattern of racketeering activity y collection of an unlawful debt which engaged in, or the actives of which affect the interstate or foreign commerce. You must divest yourself of the ill begotten property, belongings and financial gain you have derived from your fraud. The selling, conveying, monetizing, fraud, stealing, was done knowingly and willfully. The statements on the the internet or printed material was materially false, fictitious, or fraudulent statement or entry. Whoever buys from you and receives, conceals, or retains the same with the intent to convert in to his use or gain, knowing it to have been embezzled, stolen, purloined or converted-goes to jail, and so do you! Warrants and Bill has been issued already to 5 enforcement of the highest of the land. other info : XXXX XXXX XXXX XXXX XXXX XXXX Forgery/ Calif. code 115 ( a ) 10 years in prison. You have been notified. Remove the Auction demanded today.
09/06/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	CA 900XX	Web	Older American
XXXX XXXX is an XXXX XXXX XXXX who has lived in her home at XXXX XXXX XXXX XXXX in XXXX XXXX since XXXX. She and her now-deceased husband took out a home Equity Conversion Mortgage ( HECM - reverse mortgage ) from XXXX XXXX in XXXX. Even though it was not necessary, the lender had XXXX XXXX deed over to her husband, XXXX XXXX XXXX, who is now deceased. XXXX XXXX recently received an undated letter from HUD, stating that the HECM is now owned by HUD, which informed her of her right to remain in possession of the property after her husband 's death if she met the criteria, and the mortgage is not in default. The letter instructed her to work with the servicer, XXXX. XXXX XXXX does qualify to remain in her property, and is current on taxes and insurance. However, XXXX refuses to provide XXXX XXXX with the necessary information as to how to apply to remain in possession, or to process the request and documentation she submitted allowing her to remain in her home. XXXX XXXX representative was working with XXXX XXXX 's son XXXX, who is authorized in writing to assist, but then dropped the ball and said that a new individual at XXXX was handling the matter. The new individual will not communicate with XXXX son by either taking or returning calls. Instead, the property is set to be sold at foreclosure sale on XXXX XXXX, XXXX. XXXX XXXX 's attorney, XXXX XXXX of XXXX XXXX, called the trustee, Quality Loan Service, on XXXX XXXX, XXXX, and the representative said that XXXX XXXX and the attorney had to deal with the servicer. WHen XXXX XXXX 's attorney refused to do so because the servicer, XXXX was not properly assisting XXXX XXXX and had said that XXXX XXXX had to deal with the trustee, at XXXX XXXX ' insistence, the trustee gave XXXX XXXX contact information to the trustee 's attorney, XXXX XXXX XXXX. XXXX XXXX then sent a request via fax and email to XXXX XXXX XXXX to stop the foreclosure sale, but the attorney will not provide a response until five business days. XXXX XXXX is entitled absolutely entitled to stay in her home as the surviving spouse of HECM borrower, especially because she never should have been required to deed over to her husband in the HECM loan to begin with. By refusing to stop the foreclosure sale, and properly advise XXXX XXXX ( and her son ) as to her right to remain in possession, what documents are required, and in refusing to stop the sale, HUD, the servicer and trustee are acting illegally and against public policy by causing an XXXX XXXX XXXX widow to be foreclosed on her home of XXXX years when she is entitled by law to remain in possession.
10/12/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 95135	Web
I have sent notification to this trustee who is attempting to wrongfully foreclose on my property. By their filing of instruments they are in violation of the Equal Credit Opportunity Act ( codified at 15 U.S.C. 1691 et. Seq. ) and the Fair Credit Reporting Act ( codified at 15 U.S.C. 1681 ). Trustor is exercising his/her right to conclude and inform you that your NOD Instrument does not constitute Notice and is invalid under California Gov't Code 27201 et. Seq. Specifically, the legal sufficiency of the Filed Instrument is disputed and denied by Trustor. Because of this discovery we have demanded that the trustee cancel TS # : XXXX. To this date, and to our knowledge, they have failed to cancel the Trustee 's Sale. I believe that if any attempt is made to execute the Trustee Sale identified above, they will be acting with Notice of invalid Filed Instruments and of debt disputed by the Trustor. They have been so advised that, because of and consequent to this Notice of invalid Filed Instruments, " QLSC '' is exposed to full liability, jointly and severally, along with the Beneficiary ( s ) and/or affiliated entities for any damages that may, in the future, be awarded for filing false instruments, breach of contract, or wrongful foreclosure. A material defect in the NOD, such as gross misstatement of the amount in default, voids the sale, and the trustee may refuse to convey the trustee deed. XXXX v. Superior Court ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The court in City of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) also stated that : " the purposes of the Recording Statute is to provide Notice ... whether valid or invalid ... if invalid instrument is filed, no Notice is given. '' The Trustors ' rights under both the deed of trust and statute are being violated by QLSC. QLSC was never properly and legally substituted as trustee of the subject deed of trust, therefore, you are statutorily prohibited from asserting any such authority. It is in criminal violation of Cal. Penal Code 115.5, Filing False Instruments. The Filed Instruments identified herein are statutorily defective and false. They were demanded to immediately remove them from the public record permanently and to cause Public Notice of such remediation to be effected immediately. After receiving no response from Quality Loan Service Corp, we mailed them a Notice of Default notifying the company that they were in default on their obligation to rescind the Notice of Default as demanded by the Trustor and were in breach of contract.
01/24/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90036	Web	Older American
THIS COMPLAINT IS DIRECTED TO QUALITY LOAN SERVICES CORPORATION IT APPEARS ONCE AGAIN THAT A SECOND DEFAULT NOTICE WITH INTENT TO FORCLOSE WAS FILED AT THE XXXX XXXX OFFICE IN VIOLATION OF CALIFORNIA PC 115 WICH STATES ITS FELONIOUS TO KNOWINGLY FILE FRAUDULENT OR FORGED DOCUMENTS AT ANY GOVERNMENT OFFICE. XXXX XXXX FALSELY CLAIMS A DEFAULT AMOUNT OF {$27000.00} IS OWED THEM, WHEN IN FACT I DONT OWE THEM A DIME!!! THEY ARE ILLEGALLY ATTEMPTING TO COLLECT ON AN UNAUTHORIZED ACCOUNT, XXXX XXXX TO DATE HAS NOT COME CLEAN ON THEIR INVESTIGATION IN VIOLATION OF 15 U S CODE 1692d WICH STATES HARASSMENT OR ABUSE SECTION 1 THE USE OF VIOLENCE OR OTHER CRIMINAL MEANS TO HARM THE PHYSICAL PERSON, REPUTATION, OR PROPERTY OF ANY PERSON IS A VIOLATION OF SUCH CODE IT ALSO APPLIES TO SECTION 4 THE ADVERTISEMENT FOR SALE OF ANY DEBT TO COERCE PAYMENT OF THE DEBT IS ALSO A VIOLATION OF SUCH CODE, THEREFORE XXXX XXXX IS IN NON COMPLIANCE, THIS ALSO APPLIES TO QUALITY LOAN SERVICES CORPORATION. I RECIEVED A EMAIL FROM QUALITY LOAN SERVICES CORP ON XX/XX/2018 WICH STATED THEIR FILE ON THE DEFAULT ACTION HAD BEEN CLOSED BECAUSE THE DEFAULT WAS CURED SO WHAT EXACTLY IS THE STATUS TO DATE? I HAVE RECIEVED NOTICE THAT MY HOME HAS A SALE DATE OF XXXX XXXX! IS THIS A SICK JOKE? IS MY HOME UP FOR SALE? BECAUSE IF IT IS I DEMAND YOUR AGENCY TO CEASE AND DESIST AND TO CANCEL THE ILLEGAL SALE OF MY HOME .XXXX XXXX HAS NOT VALIDATED THE DEBT IN VIOLATION OF SECTION 809 VALIDATION OF DEBTS.XXXX XXXX CAN NOT VALIDATE THE DEBT AS IT HAS ALREADY BEEN ESTABLISHED BY THE COMMERCIAL CRIMES DIVISION, THAT A FORGERY OCCURED, A FRAUDULENT GRANT DEED WAS CREATED TO FACILITATE THE ISSUING OF THE ILLEGAL LOAN OBTAINED BY USE OF A FRAUDULENT TRUST DEED. WICH MEANS XXXX XXXX IS ENGAGING IN A TRUST DEED SCAM ILLEGALLY USING MY HOME AS COLLATERAL WITH INTENT TO STEAL MY HOME OUTRIGHT A CRIMINAL ACT OF GRAND LARCENY BECAUSE OF THE VALUE OF MY HOME. ONE CRIMINAL ACT DOES NOT JUSTIFY ANOTHER SO I SUGGEST QUALITY LOAN SERVICES CORP ASK XXXX XXXX INVESTIGATORS WHY THEY REFUSE TO CONTACT LAW ENFORCEMENT OFFICIALS ON THIS MATTER AS THE REGULATIONS AND LAWS APPLY TO THEIR AGENCY AS WELL. AND THEY CAN ALSO ASK XXXX INVESTIGATORS WHY THEY REFUSE TO PURSUE THE 2 CRIMINALS WHO TOOK OUT THE ILLEGAL LOAN IN THE FIRST PLACE!
10/17/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 90036	Web	Older American
XXXX XXXX Has Been Notified Several Times They are Attempting To Collect On A Phantom Debt. It Is An Act Of Attempted Grand Larceny To Illegally Seize Private Property And Attempt To Collect On A Debt Related To a Forged Quitclaim Deed And a Fraudulent Grant Deed That Was Used By My Ex Husband And His Current wife To Obtain The 2 loans in Question. I Submitted A Police Report Documenting The Forged Quitclaim Deed A Copy Of My CA ID identifying Who I Am And Relevant Copies Of The Quitclaim Deed And Fraudulent Grant Deed and Supporting Documents While XXXX XXXX Investigators Have Not Acknowledged Receiving This Information I Have Submitted Several Times Including By PDF Number 25 Through The CFPB System. The Debt Collection Agency On This Complaint Never Contacted Me directly To Validate The Debt Nor Did They Acknowledge That I Served Them With A Letter To A Debt Collector With Required Documentation Attached, Which They Never Responded to In Violation Of FDCPA and FTC REGULATIONS. That Was Notice For This Debt Collection Agency To Cease And Desist The Default Forclosure Action On My Home As They Have Not Validated The Debt They Are In Violation Of California Penal Code 115 PC Which States Filing A False Document Under California Penal Code 115 PC Makes It A Felony To File Any Forged Or False Document With A Public Office. I Submitted To XXXX XXXX The Identity Theft Forgery Questionnaire, They Did Not Acknowledge This Or Any other Documents I Submitted As XXXX XXXX Was Served On XX/XX/2018 Via USPS via Certified Mail And The Debt Collection Agency In This Complaint Was Also Served On XX/XX/2018 Via USPS Certified Mail with Relevant Documents. XXXX XXXX Has Never Addressed Or Contacted The XXXX COMMERCIAL CRIMES DIVISION TO CONFIRM THEIR FINDINGS OF THEIR INVESTIGATION THAT IS PROOF THE QUITCLAIM IS A FORGERY VIA STATEMENTS RECIEVED FROM THE NOTARY WHO, S INFORMATION STAMP ETC WAS ILLEGALLY USED IN THAT TRANSACTION AND THE NOTARY SAID I NEVER APPEARED BEFORE NOR IS THEIR ANY LISTING OF THIS DOCUMENT IN HIS LINE ITEM SEARCH. I WANT A DIRECT EXPLANATION FOR THIS VIOLATION OF THE LAW AND FDCPA AND FTC REGULATIONS.
11/04/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA XXXXX	Web
This is my fourth complaint, in this same matter : Received today, my first and only notice from the County of XXXX Recorder, that a Notice of Default has been recorded against my property, document # XXXX dated XX/XX/XXXX. Notice states that filing was done electronically. Document has the signature of XXXX, Assistant Secretary of Quality Loan Service Corp., Trustee. Document confirms that the loan date was XX/XX/XXXX. As I stated before in a prior complaint, Quality Loan Service in its XX/XX/XXXX Debt Validation Norice letter, stated : '' The current creditor to whom the debt/loan is owed is : XXXX XXXX XXXX, XXXX. ". As Instated before in a prior complaint, the XXXX XXXX website states that the owner of my loan is XXXX XXXX. Quality Loan Service made a material false statement in its Debt Validation Notice letter. This is serious. XXXX XXXX owns my loan and is my lender. As I stated in a prior complaint, California requires for loans made between XX/XX/XXXX and XX/XX/XXXX on XXXX to XXXX Unit Owner Occupied Properties, that the lender as required by Cal. Civ. Ciode sec. 2923.5 ( a ) contact the borrower by phone or in person to assess the borrower 's financial situation and explore options for avoiding foreclosure. XXXX XXXX never had a conversation with me. Even though XXXX XXXX never had a conversation with me, as required by Statute, the loan servicer XXXX XXXX took it upon itself to have Quality Loan Service file the Notice of Default. Furthermore, the copy of the Notice of Default sent to me by the County of XXXX Recorder ( XXXX pages ) does NOT have any declaration by the lender ( XXXX XXXX ) that it contacted me to explore options to avoid foreclosure. This declaration is required by Cal. Civ. Code sec. 2923.5 ( b ). Contact has to be by phone or in person, per Cal. Civ. Code sec. 2923.5 ( a ). XXXX XXXX is the owner of my loan, the lender. XXXX XXXX is only the servicer. Declaration has to be by the lender, per Statute. A declaration by the loan servicer of contact attempts does NOT comply with the Statute.
06/28/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 95037	Web
Civil conspiracy in the ILLEGAL FORECLOSURE PROCEEDINGS against our home -- AUCTION SALE XXXX XXXX, XXXX. PLEASE HELP! QUALITY LOAN SERVICE CORPORATION.. 1. Issues a Trustee Sale postponement Notice with Trustee Sale # that is ambiguous. 2. Internet Listing shows XXXX..yet Quality 's information is surreptitiously imbedded within the XXXX listing provided by XXXX. 3. Aware that Alleged Account with XXXX is NON-existent. Reason it blacks out this information from its copy of Note allonge in XXXX XXXX. 4. Collection attempts with Fake trustee Sale # in XXXX, harassment and threats of sale even without a Notice of Default on Record. 5. Subject to Mail Fraud by its " correspondence using XXXX letterhead '' but mailed from its XXXX XXXX headquarters. 6. False Claim as a trustee in XXXX in its foreclosure attempts with no proof. Substitution Trustee recorded later in XXXX - also no proof, evidence of robosigning, CA XXXX XXXX XXXX. XXXX XXXX. 7. Fails Debt Validation requirements. Subject to Collateral Estoppel. Ignores cease and desist Notice pending resolution of alleged debt. 8. Reasons " it is the trustee '' -- and has no responsibility for Debt Validation. 9. Reasons the Court will resolve XXXX complaint herewith ... YET -- it files a non-monetary status.. '' excusing itself from an Answer and further participation in the lawsuit.. '' 10. Continues its deceptive tactic of internet postings " Listing Provided by XXXX '' on XXXX ... but its information is surreptitiously imbedded within the page. This internet listing continues to attract " buyers unawares '' with the upcoming foreclosure auction sale XXXX XXXX, XXXX. Please find attached Complaint details, in parallel with Complaint filed against XXXX XXXX XXXX, XXXX, CFPB Case number XXXX. Also please reference CFPB case file XXXX lodged XXXX XXXX, XXXX -- before Quality " wilfully and deceitfully '' records the Notice of Default XXXX XXXX, XXXX -- for a DISPUTED Debt. Thank you for your urgent investigation and appropriation of enforcement action.
02/23/2016	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	OR 972XX	Web
QUALITY LOAN SERVICE CORP of XXXX XXXX is a third party loan servicer who is illegally trying to foreclose on my home by scheduling auction sale on XXXX XXXX, XXXX. TS # XXXX XXXX. They are not representing any entity with a legal right to demand collection and sell the property. Trustees Deed XXXX/XXXX/XXXX XXXX Grantor/Grantee XXXX XXXX has been overturned by the court. The paragraphs bellow are from one of the documents I have attached. Trustee Sale No. XXXX Loan No. XXXX Title Order No. XXXX NOTICE OF RESCISSION OF TRUSTEE 'S DEED UPON SALE " On XXXX/XXXX/XXXX, at the property was purportedly sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. f/k/a The Bank of New York Trust Company, N.A., as trustee for XXXX Multi-Class Mortgage Pass-Through Certificates Series XXXX, being the highest bidder at such sale who bid the amount of {$430000.00}. 5. The Trustee has been informed that the Trustee 's Sale in question was conducted through inadvertence and oversight. The Trustee 's sale of XXXX/XXXX/XXXX, as described above is null and void and of no force and effect. 6. The express purpose for this Notice of Rescission is to return the priority and existence of all lien holders to the status quo ante that existed prior to the Trustee 's Sale. NOW, THEREFORE, THE UNDERSIGNED HEREBY RESCINDS THE TRUSTEE 'S SALE AND PURPORTED TRUSTEE 'S DEED UPON SALE AND HEREBY ADVISES ALL PERSONS, WHOMEVER AND WHATSOEVER LOCATED, THAT THE TRUSTEE 'S DEED UPON SALE DATED XXXX, FROM XXXX TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. f/k/a XXXX., as trustee for XXXX Multi-Class Mortgage Pass-Through Certificates Series XXXX AND RECORDED XXXX AS INSTRUMENT NUMBER XXXX, OF OFFICIAL RECORDS OF XXXX XXXX XXXX IS HEREBY RESCINDED AND SHALL HAVE NO FURTHER FORCE OR EFFECT WHATSOEVER. Also, please see CFPB case # XXXX It is complain I filed against the previous third party servicer, which protected me from their illegal claim. This current situation is another attempt by XXXX XXXX XXXX to continue its criminal activity.
07/05/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	CA 908XX	Web
For the second time in the last two years Quality Loan Service Corporation has set my property for sale and engaged in egregious collection tactics. After the first time approximately one year ago, I sent this organization a cease and desist on the basis that XXXX XXXX XXXX have provided them with misrepresentations to give them the power of engaging in this action. I believe at that time that Quality Loan Service Corporation did the right thing and discontinued their harassment of me knowing that they had no legal basis to do so. XXXX has provided continual fraudulent documentation and misleading statements to Quality Loan Service Corporation in an effort to extort monies from me to which they are not entitled. There is no chain of title that is not clouded despite the efforts of XXXX to file fraudulent documents with the County recorder 's office. I am currently attempting to resolve the situation with Quality Loan Service Corporation to no avail. They continue to pretend that the documents provided are legitimate knowing that my intent will be to file lawsuits against them either pre-or post-foreclosure. This brazen disregard for the law should not be tolerated and Quality Loan Service Corporation should stop aiding and abetting a company that is having lawsuits filed in court every day, many of which are demonstrating that XXXX has a pattern of falsifying documents. Lastly, all of these perpetrators are relying on a pass through account as their basis for legal rights regarding my loan. I have proven to all of them time and time again that my loan has nothing to do with the XXXX XXXX pass through account to which they refer. Even XXXX XXXX has refused to offer any type of support to these criminal organizations to support their actions. On the contrary, XXXX XXXX requested in a directive to all " servicers '' to stop. However XXXX and quality are intent on making as much money as they can off of this chaotic situation.
11/02/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 90803	Web
For three years I have been submitting documents to the servicer of my loan XXXX XXXX XXXX which they consistently seem to lose documents until the application and my hard work at information gathering is no longer valid under modification programs. I have submitted four full packages to this company. They continually tell me that there is a representative assigned to my case and that person is never available. Further, the person who I do end up speaking to gives me information contrary to the last person I spoke to. In addition, as the company is working on a modification with me, they are having a third party contacting me and threatening me with a foreclosure sale date. ( DUAL TRACKING ). I have also sent two certified Qualified Information Request to determine the Forensics of my loan. XXXX responds with a letter stating I 'll receive the information and then I never do. Also, the Trustee simply sent me a notice of Default without ever mentioning exploring options to avoid foreclosure. In fact other than sending me 7 copies of the Default notice and possible sale date, Quality Loan Servicing has not sent me any correspondence despite the fact that XXXX is still working on a modification. Also, the " trustee '' has not demonstrated that it is the holder of the beneficial interest under the deed of trust, the original or substituted trustee, or the designated agent of the holder of the beneficial interest, as specified. The documents also fraudulently state that they to contacted me on XXXX/XXXX/2013 to meet requirements of California Civil Code XXXX XXXX THIS DID NOT HAPPEN and the fraudulent date was a year before I started working with XXXX on a modification. In addition, I believe that XXXX and Quality Loan Servicing are acting with purpose in this process in attempt to defraud the Federal Government.
09/04/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92154	Web
I am writing because as a client of XXXX XXXX XXXX, XXXX. and Quality Loan Service Corporation they claim to be able to have the right to foreclose by the California Declaration ( Civ. Code 2923.55 XXXX b ) ( 2 ) ). Their reason for this decision in the letter happened because they have already contacted the borrower to assess the borrowers financial situation and to explore options for the borrower to avoid foreclosure in accordance with the California Declaration ( Civ. Code 2923.55 ( b ) ( 2 ) ). However, prior to this letter I, the client, XXXX XXXX XXXX have sent out three previous Request for Mortgage Assistance Applications to XXXX XXXX XXXX, XXXX, and Quality Loan Service Corporation in the result of having the only option to Short Sale. These Request for Mortgage Assistances which I have sent out in the past have also contained all of my contact information needed to be able to discuss the matters on my current finances, which concludes that there is no excuse to the absent amount of information needed to contact me on such matters. To conclude, the letter of California Declaration ( Civ. Code 2923.55 ( b ) ( 2 ) ) is in short, void because XXXX XXXX XXXX, XXXX, and Quality Loan Service Corporation was able to make initial contact with me and explore more options with me, XXXX XXXX XXXX from the time I sent out the first Request for Mortgage Assistance. Also, the California Declaration ( Civ. Code 2923.55 ( b ) ( 2 ) ) they used was signed and dated on XX/XX/2019, which can not be used for my current Notice of Default which is dated XX/XX/2019. Therefore meaning, that both documents together are not legal and are void to continue forth with the procedures of foreclosure.
01/30/2017	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	CA 92530	Web
Bought a home and got a Grant Deed, then there was a loan agreement to sign, it was not after all it was a security agreement instrument that i did not see at closing, only part where is said XXXX- rider, i called title a few years later and asked if i could get all docs, she sent them, and saw that my name was forged on the security instrument and she said it looked like there were two closings. I only went to one. The originator was from XXXX XXXX XXXX and went out of business 1 month after however there is a parent company think it is called XXXX. As you will see on the XXXX rider the first signature is mine sideways, but all other below and initials are not mine, it is larger and rounder letters. Not sure if XXXX or whom did it. California Penal Code Section 115 ( a ) It is a felony to knowingly file a gorged or false document with any public office. Now title and county records is part of this crime against me. My home is being sold at auction and aiding and abetting this crime. XXXX, XXXX, XXXX XXXX XXXX XXXX, Quality Loan Servicing Corp., XXXX XXXX XXXX XXXX XXXX parent Company. I need the trustee sale stopped asap, and my claim paid that was sent to me by XXXX for the foreclosure crimes class action law suit that was never paid to me, I sent in my bill, in 2016 never got paid. There was never a loan. Only a fraud security instrument, and non-disclosure of showing me what they were doing XXXX or XXXX. Here is the documentation, i am not in court if i do go back it will be to impeach the judge for treason, she dismissed the case for no Jurisdiction. It has been 10 years fighting against deaf ears, the Trump admin. has my docs now. Please help immediately. Thank you
09/27/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 92530	Web
Ceo of XXXX XXXX XXXX XXXX XXXX. You must prove you have a contract with me as trustee or collections, and any other transaction, which you ca n't. .XXXX. XXXX i have no account at your bank, and all other is private. XXXX is trying to steal through fraud deception of money I do n't owe them, and can not prove they lent me money, and statue of limitations to collect after bankruptcy XXXX, illegally along with two trustees acting in XXXX with armed forces police, sherrif, military mercenary or otherwise it a threat Commercially illegal instruments, that they have no rightful claim on or they would have done so. XXXX needs to prove who the Attorney is and XXXX XXXX, and Quality Loan Service and XXXX XXXX XXXX that did not even loan money but used my credit to go to the Fed window and use funds and lend back out with XXXX 9.99 % interest to 14 %. XXXX XXXX XXXX has not been in business since XXXX and I have no contract then with two signatures one with them and me on any paperwork nor their parent company XXXX XXXX. You all have arrest warrants issued and a defaulted bill. Principle to agent, agent to principle. Show your face who you are and XXXX XXXX and others such as XXXX XXXX has a defaulted bill in force. XXXX XXXX will be coming out for your XXXX. someone has forged my good name to the 1-4 rider documents and is a crime per California code 115 a. and no trespass as well. You are now Liable once again. You better have a chain of title if anyone steps foot on my land and you cant foreclose since my property has more than one address and service only one as well. hint you charters are being reviewed now. XXXX XXXX XXXX XXXX
09/15/2017	Yes	Mortgage Other type of mortgage	Closing on a mortgage	CA 92530	Web
I cancel all further actions as this so called loan XXXX XXXX was not, and was XXXX XXXX -Securities to the Bear and I am the Creditor and Investor. XXXX XXXX Rescission - A SECURITY IS NOT A NEGOTIABLE INSTRUMENT - ENTITLING ME TO RECOUPMENT OF ADVERSE CLAIM, HOWEVER ALL OF THIS IS NULL AND VOID PER FORGERY ON THE INSTRUMENT IN MY GOOD NAME. YOU ARE A THREAT AND SHALL NOT SELL MY PROPERTY LAND OR ANY OF MY POSSESSIONS NOR ANYONE ELSE IN LESS YOU CAN SHOW YOU HAVE THE CORRECT TITLE IN YOUR NAME. IF THERE IS A FRAUD SALE THAT WILL TAKE PLACE ONLINE OR ANYWHERE ELSE WILL BE A CRIMINAL ACTION AGAINST ANYONE SELLING, TRANSFERRING, RECEIVING MONEY, CASHIERS CHECK OR OTHER MEANS OF PAYMENT INCLUDING ALL OF THE PUBLIC OR PRIVATE COMPANY 'S CEOS AND STAFF RUNNING THIS SCAM ON THE INTERNET WIRE AND MAIL FRAUD AND SHERIFF AND POLICE OR HIRED MERCENARIES PAID OFF TAKING A BRIBE AIDING AND ABETTING TO THE CRIMES AGAINST ME OR ANYTHING OR ANYONE ASSOCIATED. YOU HAVE BEEN WARNED! I FIRED THE SHERRIF AN POLICE DEPT THIS WEEK AND THEY WERE SERVED. ALL AGENCIES HAVE BEEN WARNED AND SERVED PER REGISTERED MAIL WITH WARRANTS AND THE DEFAULTED BILL THAT YOU NOW OWE AND MORE ... WRIT OF POSSESSION IS IN ANOTHER PROCESS ATTACHED WITH A BILL AND LEVY AGAINST ANY ONE OR IN THE COMPANIES PERPETRATED AGAINST ME ETC. INCLUDING ALL BAR MEMBERS OR OTHERWISE. MY TITLES IS OF THE HIGHEST ON THE LAND IF NOT THE WORLD. YOU SHALL SEE. CROWN .... TITLE THERE IS NO XXXX XXXX XXXX THEY WENT OUT OF BUSINESS IN 2007- AND I HAVE NO CONTRACT WITH THEIR PARENT COMPANY. PERIOD XXXX XXXX XXXX THERE ARE ARREST WARRANTS FOR 42 OF YOU ALL AND DEBT LEVY.
08/11/2017	Yes	Mortgage Other type of mortgage	Closing on a mortgage	CA 92530	Web
Quality Loan Service Corporation can not act as trustee as was never a contract to do so for the Fictional deed of trust, I XXXX XXXX have durable power of attorney with anyway my surname and any ways spelt and IRS has a copy of it, along with cusip, ssi, TDA accounts all can not be used, unless I give expression through approval, with a signed affidavit which i have not, to XXXX, Quality, nor any other company, also it takes two to sign a contract not Even XXXX XXXX XXXX have signed any docs. but on the hidden back of a paper, and non-disclosure, and signed my name, and id theft. Arrest warrants have been issued to all Ceo 's involved in this Fraud, Extortion, land piracy. Also a defaulted bill. You can not sell nor buy something that you do n't own by a null and voided contract before is even is one. Nor direct as a fraudster actor trustee, which violates the Constitution of the united States Of America Republic. If you need a copy of the arrest warrants and defaulted bill, request it, and not electronically, only by registered mail, and stating on the pink slip that what it is for and whom it is from, The bill is more that 90 days, ssi # is only for employment purposes, and slavery was abolished, Idenity theft is being used by the matrix system of banking and all we do on line and there is never another person on the other end to sign their name, all corporations have been foreclosed on more than once in the world, since XXXX XXXX XXXX, and XXXX, and XXXX and XXXX XXXX XXXX found XXXX XXXX guilty on all counts. XXXX
03/06/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Settlement process and costs	CA XXXXX	Web
Quality Loan Servicing raised more questions in response Quality Loan Servicing has confirmed employment for notary XXXX and signer of XX/XX/XXXX Trustee Deed Upon Sale ( TDUS ) XXXX bankruptcy attorney - stated Quality Loan Servicing actions including unlawful detainer only reflect TDUS from XX/XX/XXXX foreclosure XXXX bankruptcy attorney stated their files do not reflect recession from XXXX XX/XX/XXXX due to modification in process. XXXX bankruptcy attorney stated recession information was not disclosed at no time XXXX bankruptcy attorney agreed The Relief Of Stay was granted in XXXX XXXX a foreclosure does not happen within two months. XXXX bankruptcy attorney stated for some unknown reason Quality Loan Servicing insisted to close file in XX/XX/XXXX and have one of their affiliates, divisions handle the unlawful detainer - which raises more questions. Quality Loan Servicing Employee in house notary XXXX XXXX Negligence, Errors and or Omissions. The TDUS ca n't be verified without following procedure TDUS appears to be voidable or void TDUS is not recorded in notary journal Recession has been verified Recession is documented in notary journal Both Recession and TDUS are both from XX/XX/XXXX notarial journal-TDUS not recorded in XX/XX/XXXX notarial journal. Quality Loan Servicing has no authority to validate any documents - must be in XX/XX/XXXX journal by sworn in notary XXXX XXXX to protect public interest.
11/14/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 90036	Web	Older American
I was sent an EMAIL From XXXX XXXX XXXX on Tuesday XX/XX/2018 that stated the Forclosure on My Home Is On Hold, then Why am I Receiving Notices Of A Set Sale Date Of XX/XX/2018! QUALITY LOAN SERVICES IS ATTEMPTING TO DECIEVE THE CFPB AGENCY AND ME! THIS IS AN OUTRAGE UNDER THESE CIRCUMSTANCES WHILE XXXX XXXX SENT ME A LETTER ON XX/XX/2018 CLAIMING THEY WILL HAVE AN UPDATE ON XX/XX/2018? AND I ALSO NOTED XXXX XXXX SAID ITS MY ACCOUNT! THIS IS NOT MY ACCOUNT, I HAVE NO ACCOUNT WITH XXXX XXXX NOW OR EVER, THIS IS AN ILLEGAL PHANTOM DEBT, PERIOD! QUALITY LOAN SERVICES IS ATTEMPTING TO ILLEGALLY SELL MY HOME, WHILE XXXX XXXX CLAIMS TO BE INVESTIGATING THE IDENTITY THEFT, EQUITY THEFT AND TRUST DEED FRAUD, AS IT HAS BEEN DOCUMENTED AND ESTABLISHED BY THE COMMERCIAL CRIMES DIVISION OF THE XXXX. UNDER CALIFORNIA PENAL CODE 115 PC THE FILING OF FALSE OR FRAUDULENT DOCUMENTS ARE A FELONY, YET QUALITY LOAN SERVICES CORP DID JUST THAT, FILED FRAUDULENT DOCUMENTS WITH A PUBLIC OFFICE, THIS IS INEXCUSIBLE AND CRIMINAL. THEY ARE IN NONCOMPLIANCE WITH FDCPA 15 1692 HARRASSMENT AND ABUSE, THE USE OR THREAT OF USE OF VIOLENCE OR OTHER CRIMINAL MEANS TO HARM THE PHYSICAL PERSON, REPUTATION OR PROPERTY, AND THE ADVERTISEMENT FOR SALE OF ANY DEBT TO COERCE PAYMENT OF THE DEBT.
01/14/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91352	Web
Quality loan service corp has unlawfully foreclosed on our property today XX/XX/2019. There was a recorded message on their automated system phone number XXXX ( attached ) dated XX/XX/2019 XXXX XXXX & XX/XX/2019 XXXX XXXX with trustee # XXXX that reflected a sale date of XX/XX/2019, we relied on these recorded messages as a time frame in avoiding foreclosure with XXXX XXXX and planned to take whatever steps neecessary to avoid foreclosure according to the XX/XX/2019 sale date. Instead they have foreclosed today XX/XX/2019 giving us false information over thier automated system and not allowing us to take the necessary steps nor time to avoid foreclosure. We request that quality loan accept thier error and rescind the foreclosure sale immediately and allow us the proper opportunities needed to take as a consumer by law in order to avoid foreclosure. We request transparency in thier recorded messages as we called today XX/XX/2019 and they deny having ever recording such messages reflecting XX/XX/2019 as a sale date and state they have no record of it. They claim they will look into thier IT department to look for the recorded messages and we are now relying on thier honesty and utmost due diligence in correcting this unlawful foreclosure sale immediately.
12/07/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	WA 986XX	Web
By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.
04/23/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 98409	Web
Quality Loan Service, trustee for XXXX, has been holding up closing on a transaction, first by withholding a payoff, and now by not responding to our request for notice of error for the most recent payoff obtained. We obtained a payoff statement valid through XXXX and in anticipation to close XXXX ordered a new payoff in writing to them on XXXX. This payoff was not received until XXXX after numerous requested from both our law firm and the closing agent Attorney 's Title. The payoff quote was received and only valid for 2 days. The quote happened to incur a {$3000.00} new fee that we were requesting be looked into and since the request per XXXX XXXX XXXX ( b ) they have not yet responded. With the addition of this fee we are unable to close. We were anticipating closing based on the per diem and they have taken so long that fees just continue to accrue. Numerous phone calls to this trustee result in a voicemail and multiple emails are not responded to. The second lien is being shorted and the longer it takes for this trustee to respond, the more fees they are able to collect ultimately costing the consumer money. We need this looked into immediately.
07/08/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NV 89148	Web	Servicemember
Quality Loan Service posted a Notice of Trustee Sale at my door today, they are attempting to do a non judicial foreclosure as a Trustee based on a note I executed with the Lender ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX went out of business. I have been asking my loan servicer ( XXXX XXXX ) and Quality Loan to please let me know who is the Beneficiary of my loan. They have refused to provide me that information. I believe that only the the current beneficiary is authorized to instruct the trustee to initiate the nonjudicial foreclosure process. Since the last known beneficiary was XXXX XXXX XXXX XXXX and they went out of business, I would like to know who is the current beneficiary and the proof of their purchase. This is the only reason I was afraid to negotiate a modification with XXXX. I became suspicious after they took money from Nevada 's Hardest Hit Fund on my behalf but refused to bring my loan current after that. I would like to see proof of who owns my loan now and if they are authorized to order Quality Loan Services to foreclose on me.
03/12/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92223	Web
Unlawful foreclosure. I have submitted a full and complete loan modification application to XXXX XXXX XXXX regarding my mortgage loan currently in active foreclosure. Pursuant to California s Homeowner Bill of Rights you are prohibited from conducting a trustees sale ( foreclosure ) on the above-referenced property until you have provided an answer to our loan modification application. Active foreclosure sale date scheduled for XX/XX/ 2019, must be canceled immediately. We hereby demand that the foreclosure sale he CANCELLED and that you immediately comply with the provisions of the Homeowner Bill of Rights. Failure to immediately confirm that you will comply as demanded may force us to seek legal help and file a complaint and move for an emergency temporary restraining order. As you know, the Homeowner Bill of Rights allows for attorney 's fees to be awarded upon the successful granting of a temporary restraining order without having to prove any other points within our case. We intend to seek that TRO along with the resulting attorney 's fees should one be retained.
09/20/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Settlement process and costs	CA XXXXX	Web
Dear XXXXQuality Loan ServicingI appreciate your time in resolving title challenges. Your response XX/XX/XXXX raises more questions. XXXX has confirmed by letter the servicing was scheduled the last quarter of XX/XX/XXXX only - not XX/XX/XXXX. Therefore who ordered foreclosure XX/XX/XXXX - provide documentsMy bankruptcy attorney was not noticed at no time by Quality Loan Servicing XX/XX/XXXX-XX/XX/XXXXI am waiting for response from appropriate parties- Quality Loan Servicing was not obligated to notice bankruptcy attorney or bankruptcy about moving forward with XX/XX/XXXX foreclosure. There was a modification pending with XXXXTo date the XXXX XX/XX/XXXX is void- no record foundThe debt was reaffirmed in bankruptcy and provided to XXXXQuality Loan Servicing would you provide any communication to or fromXXXX XXXX ( to QLS ) Bankruptcy attorney XXXX ( from QLS ) Bankruptcy trustee XXXX ( from QLS ) Or any other documents connecting XXXX to QLS after XXXX was taken over by FDIC in XXXX XXXXIt appears there is a violation of the bankruptcy stay
06/02/2017	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	WA 98058	Web	Older American, Servicemember
The WA State Supreme Court Clerk refuse to Docket our reconsideration when we file within 30 days on XX/XX/XXXX which was within thirty days that the WA RAP require. The Federal Rule In the landmark case of XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX , the court announced that virtually all constitutional errors are subject to harmless error analysis. The sole exception to this rule are those errors which are termed " structural '' in nature. ( XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX . ) In order to qualify as a " structural '' error, a constitutional deprivation must affect " the framework within the Deed Of Trust Act. In its most recent discussion concerning structural error, the court suggested that some errors must necessarily be deemed reversible per se in light of the difficulty of assessing the effect of the error. [ Citations. ] ( United States v. XXXX ( XXXX ) XXXX XXXX XXXX XXXX , fn. 4. ) This category of cases includes the denial of a public trial.
04/23/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 92530	Web
this maybe somewhat similar post but is not this has more information, and now will be held in the XXXX XXXX XXXX and a XXXX Pound note against each individual committing crimes against me. Forgery is a Crime. Black night foreclosing run of the mill operation, with publishing and posting fraudsters, forging my name, securitizing before closing deal not even owner, clouded title, fraud lien instrument, FDCPA Violation of Taxes, Stealing SSI and Cusip money, XXXX Accepted under duress as beneficiary with non-disclosure and another time as trustee, cancellation of note securitization, all fraud trying to settle the accounts and can not and attempting through XXXX XXXX XXXX, and Quality Loan Service to foreclose on the debt of the bank owes to the federal reserve, go to jail. ( CONFEDERATIONS in 2018 XXXX XXXX COURT MARTIAL LAW RULER JURISDICTIONS ) 24 hours to respond to the XXXX XXXX XXXX XXXX, SOVEREIGN AUTHORITY and JURISDICTION FOR AMERICANS. " XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''
07/17/2017	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 92530	Web
loan originator XXXX XXXX XXXX no longer in business. there was two closings and the second closing i was not there. the 1-4 rider documents were forged of my name and initials. also the loan was usury over legal limit..It was approx 9.99 %. they went to fed window took my treasury account ssi number All CAP NAME and routing and loaned me back my money and charged unlawful interest unbeknown they went out of Business the following year. XXXX is back on Title and are not in Business since 2007. I have a claim in, I am the title holder real owner and no contract with anyone it is all VOID from the Start, and I am the beneficiary. I have warrants into President Trump, XXXX XXXX ( XXXX ) accountability office, XXXX XXXX , and U.S. Supreme court Defaulted bill for damages, crimes for CEO 's etc. and money 's used of my Private Trust Account. Next they will go to the FDIC etc.. I have notified XXXX for payoff that I do not owe today.
04/05/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NV 89148	Web
My lender wants to foreclose on my home but have refused to provide a payment accounting statement and proof that my loan was sold to them in accordance to the Fair Debt Collection Practices Act. Last week they posted a Notice of Default - ( a stack of papers at my front door containing my loan number and personal information ). I feel like they are trying to embarrass me. The papers stated that they do not have a valid phone number for me but that is a lie because I have been talking to their insurance department. My water heater leaked and caused water damage, Seterus held on to the insurance payout check. They are paying me in increments as the repairs are being done. So it is not possible for them to claim that they do not have a working number for me. They had also sent a lady from XXXX to take pictures of our house, my husband even closed the garage door for her to get a good picture.
08/24/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 95037	Web
FORECLOSURE FRAUD against our HOME!!! PLEASE HELP!!! ... .QUALITY Loan Service Corp XXXX the subject of CFPB Case File # XXXX - complaint against FORGED Foreclosure Instruments that led to the recordation of Notice of Default on XX/XX/2015 ... with a DEFAULTED Debt Validation Request dated XX/XX/2015 respecting the alleged debt on the Notice of DEFAULT.. NOW RECORDS a TRUSTEE SALE on XX/XX/2015.. -- -FORGED INSTRUMENTS, and ALLEGED DEBT that they FAILED to Validate pursuant to Federal and State Statutes. Snapshot of unlawfully recorded Notice of Trustee Sale, that is hinged upon a Notice of Default without legal or factual foundation : Document # XXXX XXXX/XXXX/2015 XXXX NOTICE TRUSTEE SALE XXXX, XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2015 XXXX NOTICE OF DEFAULT XXXX, XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX )
10/24/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA XXXXX	Web
Received a letter at my home, from Quality Loan Service Corporation dated XXXX/XXXX/2015, with the heading " Debt Validation Notice ". The pertinent sentences state, " The total amount of the debt currently owed is {$230.00}, XXXX. ", and " The current creditor to whom the debt/loan is owed is XXXX XXXX, XXXX. " I went today to the website of XXXX XXXX, and used the Look Up tool. The XXXX XXXX website states that XXXX XXXX owns my loan. This website also states that my loan ' s Note date is XXXX XXXX. Obviously, Quality Loan Service ' s statement is false - as to whom the current creditor is. I contest XXXX XXXX 's standing in any foreclosure proceedings, as it is not the owner of my loan. I contest Quality Loan Service 's standing as Foreclosure Trustee, in view of the false statement it made re whom owned my loan.
05/27/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 90803	Web
I have already submitted a complaint regarding Alleged Mortgage Servicer " XXXX XXXX XXXX ''. This is a separate complaint regarding the same company as I have recieved documents from a Trustee indicating that the XXXX parties are involved in conspiracy to break the law : Most immediately, Quality Loan Service Corporation XXXX XXXX XXXX has informed me that they will be engaging in a non-judicial Foreclosure while at the same time Select Portfolio Servicing is humoring me in the loss mitigation process. This indicates that XXXX or XXXX parties are engaging in the crime of dual tracking. Ironically, this falls on the heels where I have been proactive in threatening a lawsuit against XXXX for various violations including a complaint failure to answer a Respa Qualified Written Request.
04/18/2018	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	CA 92530	Web
black night foreclosing run of the mill operation, with publishing and posting fraudsters, forging my name, securitizing before closing deal not even owner, clouded title, fraud lien instrument, FDCPA Violation of Taxes, Stealing SSI and Cusip money, XXXX Accepted under duress as beneficiary with non-disclosure and another time as trustee, cancellation of note securitization, all fraud trying to settle the accounts and can not and attempting through XXXX XXXX XXXX, and Quality Loan Service to foreclose on the debt the bank owns and needs to go to jail all of you see links. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now we see the news and this site XXXX XXXX XXXX
05/12/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	AZ 86326	Web
On XXXX/XXXX/2016 I received a Debt Validation Notice letter from Quality Loan Service Corporation ( " QLS '' ). On XXXX/XXXX/2016 QLS received my Request For Documents ( " RFD '' ) letter via Certified Mail. In my RFD I requested validation pursuant to the FDCPA. I also requested information and documents pursuant to Arizona 's Administrative Code, XXXX, FINANCIAL INSTITUTIONS, AND INSURANCE, Chapter XXXX XXXX, XXXX XXXX, and specifically XXXX Disclosure of Information to Debtor. As of XXXX/XXXX/2016 I have received no response from QLS. Since that time I have searched on the Arizona XXXX website and was unable to locate a current AZ Collection Agency license for QLS.
09/25/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 95037	Web
On XXXX XXXX, 2015, QUALITY LOAN SERVICE CORPORATION informed CFPB that " althought the Trustee Sale is set for XXXX XXXX, 2015, their file is on a HOLD per servicer 's request for loss mitigation. '' ( Please see attached Quality Loan 's response on CFPB Portal. ) However, one week thru TODAY, XXXX XXXX, 2015, QUALITY 's website, and that of XXXX via telephone number indicated on Notice of Postponement ( Quality 's Sales Agent ) - still reflect the XXXX XXXX, 2015 Sale Date. ( attached today 's XXXX Sale Status from Quality 's website ). Is this subject to consumer protection laws? Thank you CFPB for your urgent help.
08/02/2015	Yes	Mortgage FHA mortgage	Settlement process and costs	CA 900XX	Web
Since quality loan response to CFPB XX/XX/XXXX various agency assisted with matter to provide new information. Quality Loan Servicing was the foreclosure and eviction attorney forXXXX XXXX California XXXXQuality Loan Servicing legal for eviction did not notice the court of the bankruptcy stay XX/XX/XXXXThe foreclosure XX/XX/XXXX appears to be void able based onInvalidity of notary XXXX XXXX XX/XX/XXXX foreclosure documentThe notary was unable to confirm any such document exist in notary journalCurrently my interest remains in propertyThe certified documents are being sent by certified mail to CFPB
10/10/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 95037	Web
QUALITY LOAN SERVICE CORPORATION advises today, XXXX XXXX, 2015 ( email attached from XXXX XXXX ) that " the foreclosure is properly processed.. '' CONTRADICTING its purported boss XXXX 's statement made TODAY within CFPB saying : " Please be advised that at this time, we are reviewing the foreclosure process to verify no error occurred. The new expected date of resolution is XXXX XXXX, 2015. " IS IT LAWFUL THEN FOR QUALITY TO PROCEED WITH THE TRUSTEE SALE OF OUR HOME ON XXXX XXXX, 2015 PENDING THIS REVIEW by XXXX - for XXXX 's resolution on XXXX XXXX, 2015? Thank you, CFPB for your urgent help!
10/31/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	CA 91784	Web	Older American
Quality Loan has a sale date on my home for XX/XX/XXXX16 yet my lender XXXX Mortgage claims the date has been postponed ( false ). Quality claims they ca n't postpone unless the servicer ( XXXX ) postpones it and they have not got the ok to stop it, even though I am in a LOAN MODIFICATION. This fraud and deceit of stealing my home and millions of others, still persists and your agency CFPB and others have not put a dent in it, get off your behinds and start helping homeowners like myself who are at an age where we do n't need this type of unnecessary stress.
09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 95691	Web
My wife is the sole owner of her property. I am not on the deed to the home. XXXX bank is the mortgage holder. XXXX XXXX ( XXXX, Operations XXXX, Loss Claims ) from XXXX bank is the sole person responsible for this disaster. The high level executive told me over the phone that he could not do anything for me. His license to practice in this industry should be revoked. This is a serious issues as I even have a HUD Counselor intervene in this matter, and XXXX does not care. My name should not be on the " Notice of Default ''.
07/19/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 95037	Web
QUALITY LOAN SERVICE CORP ( QLS ) BLATANTLY VIOLATES FEDERAL AND STATE STATUTES AS IT PURSUES ILLEGAL FORECLOSURE OF OUR HOME WITH ITS " SELF-EXECUTING MANUFACTURED DOCUMENTS '' ... PLEASE HELP!!! QLS, IN ITS XXXX XXXX, 2015 CORRESPONDENCE, VIA ITS PARENT COMPANY [ XXXX AND XXXX ] MAKES ITS OWN ADMISSION THAT THE NOTICE OF DEFAULT IT RECORDED AGAINST OUR HOME IS FRAUDULENT! ... AND GIVES EVIDENCE TO ITS CONTINUING BLATANT VIOLATIONS OF FDCPA STATUTES. PLEASE SEE ATTACHED DETAILS. THANK YOU FOR YOUR URGENT HELP!
12/13/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 95037	Web
Please see attached. Exhbits to follow by Fax. Additionally, Please refer to exhibit on Defective Notice of Default on CFPB files # XXXX and XXXX - LENDER is NOT Identified - and other matters that lend support to a deceptive practice to steal our home " with the stroke of a pen. '' Likewise, Quality Loan 's Notice of Trustee SALE issued XXXX XXXX, 2016 for auction sale against our home two days from now - XXXX XXXX - DOES NOT IDENTIFY LENDER. THANK YOU FOR YOUR URGENT INVESTIGATION and ENFORCEMENT action.
03/30/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 95037	Web
Quality Loan Service Corporation - unlawful foreclosure auction of Consumer XXXX home - subject to FEDERAL CRIME! Please see attached COMPLAINT. -- NO LENDER named on alleged Notice of Default and Notice of trustee sale NOW results to THREE ENTITIES claiming ownership of Consumer 's home - simultaneously. Exhibits will be faxed shortly. Thank you for upholding Consumer Protection Laws as you investigate Quality 's deceitful and fraudulent practice of stealing people 's homes for its undue enrichment.
08/25/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92019	Web
I continue to have problems with XXXX XXXX XXXX and Quality Loan Service in XXXX XXXX. Their latest move is to reschedule a foreclosure sale to XX/XX/XXXX but they have scheduled it to be held in XXXX, CA, instead of XXXX XXXX, CA, which is not what is stated in the NOS. This is a violation of CA Civil Code 2924g. In addition, I have been unable to locate where notice of the sale has been published. In addition, they dates on their website as to the dates of the NOS and NOD are incorrect.
06/03/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 93551	Web	Older American
NOTICE OF ERROR ; XXXX XXXX HOLDS VOID ASSIGNMENT THEREFORE HAS NO RIGHT OR STANDING TO FORECLOSE ( WRONGFUL FORECLOSURE ) The Supreme Court of California held that a borrower on a home loan secured by a deed of trust has standing to base an action for wrongful foreclosure on allegations that defects in the purported assignment of the note and deed of trust renders the assignment void. XXXX v XXXX XXXX XXXX XXXX , XXXX . XXXX ( XXXX . XXXX , 2016 )
07/18/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92019	Web
On XXXX XXXX, 2015, I filed the paperwork to start a chapter XXXX bankruptcy and advised XXXX XXXX XXXX and Quality Loan Services ( trustee handling the foreclosure action ). Without getting a relief of stay, the foreclosure sale was rescheduled to XXXX/XXXX/2015, which is a violation of the stay. The sale should have been cancelled, since all foreclosure activities are supposed to cease, and the trustee 's sale ca n't be reset until after the bankruptcy.
10/21/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA XXXXX	Web
Received letter at my home address from Quality Loan Service Corp. It states : " XXXX, who services your home loan, has referred your loan to us for foreclosure on the above referenced property ... '' I had previously requested XXXX XXXX to send all snail mail re my home address to my XXXX XXXX XXXX XXXX XXXX agreed to do so, but apparently neglected to inform Quality Loan of this.
09/28/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA XXXXX	Web	Older American
Quality Loan has not provided accurate legal document to foreclose -they have n't done due diligence and do not have the legal standing -authority to act as a substitute trustee as they do not represent the lender -nor do they have the correct deed-note and payoff-they have filed incorrect -unauthorized documents to county recorder
02/23/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 95037	Web
WHITE COLLAR CRIME complaint against QUALITY LOAN Service Corporation - illegal foreclosure auction against our home tomorrow, XXXX XXXX, 2017 at XXXX. Please see attached for details. Exhibits to be sent via fax shortly. Thank you for your investigation and enforcement of the applicable laws for consumer protection.
03/25/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 95037	Web
Quality Loan Service Corporation 's LIE is EXPOSED ... stealing our home in broad daylight - a FEDERAL CRIME! Please find attached. Thank you for your urgent help.
02/01/2024	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	OR 97214	Web

11/21/2023	No	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91766	Web

10/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91737	Phone

06/22/2023	No	Mortgage FHA mortgage	Struggling to pay mortgage	CA 92220	Phone

11/27/2022	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92563	Web	Older American

02/28/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA 93274	Web

09/14/2021	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA 90262	Web

08/27/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AZ 85209	Web

07/29/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA 92220	Phone

06/16/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	CA 92220	Phone

06/01/2020	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 91766	Referral

02/20/2020	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	WA 98058	Referral

01/07/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 93657	Web

10/12/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 95648	Web

08/31/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 95648	Web

08/26/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92887	Web

08/26/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92887	Referral

07/02/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	OR 97402	Referral

06/29/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NV 89131	Postal mail

05/10/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 95030	Postal mail

04/15/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	OR 97005	Fax

04/11/2019	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	OR 97501	Referral	Older American

02/22/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98229	Referral

02/14/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Phone	Older American

01/31/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Postal mail	Older American

01/22/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NV 89120	Phone	Older American, Servicemember

11/27/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 95125	Web

11/16/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90027	Fax

11/16/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90027	Fax

10/24/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90005	Fax

10/19/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 95377	Referral

10/12/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	WA 98386	Postal mail

10/09/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage		Phone

09/28/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WA 98223	Referral

09/25/2018	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	CA 94112	Referral

09/20/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94901	Referral

09/20/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85053	Referral

07/26/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 95015	Referral

07/24/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NV 89141	Referral

07/23/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91402	Web

07/19/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91343	Web

05/24/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	WA 98001	Referral

05/24/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 93108	Web	Older American

04/19/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92887	Web

04/09/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	WA 98497	Referral

02/10/2018	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	CA 92530	Web

01/14/2018	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92887	Web

01/03/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 92530	Web

12/15/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 92557	Postal mail

12/15/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90005	Fax

12/13/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 92027	Referral

11/15/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 92530	Web

11/01/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 92530	Web

10/26/2017	Yes	Mortgage Other type of mortgage	Closing on a mortgage	WA 98233	Referral

10/25/2017	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	CA 92508	Referral

10/25/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	WA 98146	Postal mail

10/23/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90277	Referral

10/16/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92530	Web

10/11/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	WA 98032	Referral

08/11/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA 92585	Web

08/10/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NV 89131	Referral

08/08/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	CA 92649	Referral

07/26/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NV 89131	Referral

07/26/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	NV 89131	Referral

07/21/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90814	Web

07/11/2017	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 90065	Web

07/10/2017	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	CA 93654	Referral

06/22/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WA 98391	Postal mail

06/19/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	WA 98498	Referral

06/14/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92551	Postal mail

05/23/2017	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	CA 90003	Phone

05/22/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WA 98284	Web

05/21/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	WA 98003	Referral

03/28/2017	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 98371	Referral

03/16/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 94502	Referral

03/07/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94513	Referral

03/02/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90056	Referral

03/02/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90731	Referral

02/24/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 92530	Web

02/14/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92841	Fax

02/10/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95135	Referral

01/19/2017	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92660	Postal mail

12/19/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 92620	Fax

11/04/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90814	Referral

10/27/2016	Yes	Mortgage Other mortgage	Other	CA 93711	Referral

10/25/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 91364	Referral

09/05/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 95127	Web

08/31/2016	Yes	Mortgage Other mortgage	Other	CA 93551	Referral

08/29/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 98925	Web

08/18/2016	Yes	Debt collection Mortgage	Communication tactics Called after sent written cease of comm	CA 92659	Referral

08/15/2016	Yes	Mortgage Other mortgage	Other	OR 97470	Referral

08/09/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	CA 92835	Postal mail

08/09/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	OR 97470	Referral

08/03/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	WA 98058	Referral

08/02/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	NV 89113	Referral

07/29/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95030	Fax

07/28/2016	Yes	Debt collection Mortgage	Communication tactics Called after sent written cease of comm	CA 92346	Postal mail

07/26/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 93551	Referral

07/20/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OR 97030	Web

07/13/2016	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 98576	Referral

07/12/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NV 89115	Referral

06/17/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	WA 98597	Web

06/16/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92659	Referral

06/14/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90277	Fax

06/10/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92679	Referral

06/09/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NV 89115	Referral

06/08/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91737	Postal mail

06/07/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NV 89113	Referral

05/25/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 98033	Referral

05/25/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 99207	Referral

05/24/2016	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	CA 92705	Fax

05/18/2016	Yes	Mortgage Other mortgage	Other	CA 94502	Postal mail

05/18/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 98375	Referral

05/18/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94534	Referral

05/17/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NV 89113	Fax

05/04/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94806	Referral

05/03/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	CA 90230	Web

04/28/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	UT 84790	Referral

04/07/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 93108	Referral

04/07/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90406	Postal mail

04/05/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94806	Postal mail

03/23/2016	Yes	Mortgage Other mortgage	Settlement process and costs	WA 98065	Referral

03/23/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 93551	Referral

03/23/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 98512	Referral

03/17/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 93446	Referral	Older American

03/11/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 92659	Referral

03/08/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92841	Fax

02/10/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 98118	Referral

02/04/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 99324	Referral

01/22/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NV 89123	Referral

01/05/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	WA 99324	Postal mail

12/30/2015	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 91324	Postal mail

12/22/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 93065	Postal mail

12/22/2015	Yes	Mortgage Other mortgage	Other	CA 91206	Referral

10/19/2015	Yes	Mortgage Other mortgage	Other	CA 92694	Referral

10/05/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92659	Web

10/01/2015	Yes	Mortgage Other mortgage	Other	CA 92649	Postal mail

09/15/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	WA 98271	Postal mail

09/11/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92211	Referral

09/04/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91791	Referral

09/02/2015	Yes	Mortgage FHA mortgage	Settlement process and costs	CA 90213	Web

08/28/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92173	Web

08/28/2015	Yes	Mortgage Other mortgage	Other	WA 98270	Referral

08/27/2015	Yes	Mortgage FHA mortgage	Settlement process and costs	CA 90213	Web

08/25/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95037	Referral

08/19/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92591	Web

08/13/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95037	Referral

08/03/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 98272	Postal mail

07/30/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	WA 98597	Web

07/22/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91411	Referral

07/21/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 93711	Postal mail

07/13/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92373	Web

07/09/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94506	Referral

07/08/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 90814	Web

07/08/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 98597	Postal mail

06/25/2015	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 93446	Postal mail

06/22/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 90814	Web	Older American

06/19/2015	Yes	Mortgage Other mortgage	Other	WA 98374	Referral

06/09/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92553	Fax

06/05/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92840	Postal mail

06/05/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 92211	Fax

06/05/2015	Yes	Mortgage Conventional fixed mortgage	Other	CA 90240	Referral

06/04/2015	Yes	Mortgage Other mortgage	Other	CA 91739	Referral

05/13/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92886	Referral

05/13/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94566	Referral

05/01/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92877	Fax

04/30/2015	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	CA 92505	Fax

04/30/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90720	Referral

04/28/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94560	Referral

04/23/2015	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	WA 98424	Referral

04/16/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 98371	Referral

04/07/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 95037	Web

03/26/2015	Yes	Mortgage Other mortgage	Other	AZ 85140	Referral

03/19/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 92101	Web

03/12/2015	Yes	Mortgage Other mortgage	Other	CA 95122	Referral

03/05/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94506	Referral

03/04/2015	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 91950	Referral	Older American

02/05/2015	Yes	Debt collection Mortgage	Taking/threatening an illegal action Seized/Attempted to seize property	CA 95758	Web

02/03/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 85032	Fax

01/14/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 99212	Web	Older American

01/06/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91411	Fax

12/30/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94553	Referral

12/20/2014	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	NV 89074	Web	Older American

12/10/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95662	Referral

12/10/2014	Yes	Mortgage Other mortgage	Other	WA 98053	Referral

12/03/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90703	Fax

11/27/2014	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	NV 89074	Web	Older American

11/21/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91361	Postal mail

11/13/2014	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	NV 89074	Web	Older American

11/12/2014	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	NV 89074	Web	Older American

11/06/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94561	Postal mail

11/06/2014	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CA 95460	Web

10/24/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 86401	Postal mail

10/23/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	DE 19803	Fax

10/21/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 85042	Referral

10/20/2014	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	CA 92024	Web	Older American

10/20/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91020	Fax

10/17/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	AZ 85302	Referral

10/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 91324	Referral

09/29/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 90810	Postal mail

09/12/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 98275	Postal mail

09/04/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 95037	Web

09/03/2014	Yes	Mortgage FHA mortgage	Settlement process and costs	CA 92024	Web	Older American

09/02/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	CA 95076	Web

09/02/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95667	Referral

08/27/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 98001	Referral

08/25/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 91342	Postal mail

08/24/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 90213	Web

08/14/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92373	Referral

08/08/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 95037	Web

07/24/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	CA 90703	Fax

07/16/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	CA 91941	Web

07/15/2014	Yes	Debt collection Mortgage	Communication tactics Threatened to take legal action	CA 90213	Phone

07/07/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 90249	Web

07/07/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92399	Referral

06/11/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	CA 91941	Web

05/19/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 91205	Referral

05/07/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 90815	Referral

05/07/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	WA 98391	Web

04/01/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	OR 97448	Referral

03/20/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92880	Referral

03/18/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	WA 98499	Web

03/12/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Seized/Attempted to seize property	CA 96002	Web

02/24/2014	Yes	Mortgage Other mortgage	Other	CA 90011	Referral

02/04/2014	Yes	Mortgage Reverse mortgage	Loan modification,collection,foreclosure	NV 89147	Web

01/29/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 90002	Web

12/17/2013	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	WA 98849	Web

11/18/2013	Yes	Mortgage Other mortgage	Other	WA 98407	Referral

11/01/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NV 89148	Referral

08/01/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	CA 90036	Phone

07/01/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33626	Fax

04/16/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NV 89133	Postal mail

03/25/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	XXXXX	Referral

03/21/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 94583	Referral

03/20/2013	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 94901	Referral

03/19/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92270	Referral

01/25/2013	Yes	Mortgage Other mortgage	Other	CA 92345	Postal mail

12/08/2012	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 94582	Web

12/05/2012	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 90250	Referral

08/14/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	OR 97535	Web	Older American

06/12/2012	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	AZ 85310	Web