Date Received: 2020-04-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My husband and I have a mortgage loan with Specialized Loan Servicing LLC. I always send my check in along with the mortgage bill as soon as we get it each month for the payment due the first of the following month. I sent the XX/XX/2020 payment check by mail on XX/XX/2020. The check has never been cashed. When you call, an automated line verifies your phone number for a call back as you can not talk to someone until and if you get a call back. I had four people call back only to have an open line but they did not talk, but I kept saying hello 5 times each time only for them to hang up on me. Finally I got XXXX on XX/XX/2020 to have her tell me she was working from home and that the check maybe laying in their lockbox in California. I did not even know my check was not cashed until I finally was able to get back into my online account. I asked for a mgr. I was promised a call back from a manager. I did not get one. I did get a online message on our acct that stated the " letter '' ( not my check ) was probably lost by the postal service. I also told XXXX we did not receive our May statement either, but she stated they do not go out until the XXXX of each month. However I explained to her to look at our payment history which we have never made a late payment and in fact most of our payments posted before the XXXX which means we got our statement and sent the check, and the payments posted on or before the XXXX which means the statement usually go out before the XXXX so that statement does not bear the truth. I was told I need to make a payment by XX/XX/XXXX as I was promised if I do so I will not be charged the late fees that had incurred. I was also promised an email with my XXXX statement which neither of those have occurred either. I sent a message to the CEO XXXX XXXX on linked in. He did not respond however I got a vm today to call the escalated team and a phone number, but I could not make out the lady 's name. I called but it stated the agent assigned to my account was not available but to hold and I would get another available representative from the escalation team. I tried this all day today after the voicemail but got no one. This is impossible horrific disgusting lack of any customer service. I do not know if payments are not being processed, but I stopped payment on the check I sent on XX/XX/2020. Now I was told to make a payment by bank debit card which I want to do but I need to get someone to speak to in order to do this and not have the late fees in the payment as I spoke with c/s rep " XXXX '' and her supervisor " XXXX '' both stated I will not have to pay the late fees as long as I call in with my bank debit card information by XX/XX/2020. This is impossible. I will try again tomorrow. It is awful that you can not speak to someone and when they leave a voicemail it is almost inaudible. I could hear enough to get escalated and the phone number and XXXX XXXX, which was enough to know who was calling and it is a different phone number than their regular c/s, but it does me no good if I can not once again speak to someone. They are a loan service company but doing anything but servicing our loan. It was fine in the past, but all of a sudden things are done to no servicing, no c/s and payment not posted and the c/s rep XXXX is working out of her home in XXXX, Az and state the payment may be in the lockbox in California?? Why?? Perhaps no one is working to process the payments?? What is happening that they state they have u tube videos on their automated line, you need to have an automated verification of your phone number to get a call back and hope they do not hang up on you multiple times. This is unacceptable to say the least. Our loan number is XXXX. We did get a statement in the mail yesterday stating our XXXX payment is late, but they could not send out our XX/XX/2020 statement, nor did they email the XXXX statement as requested? This just is never ending. This again is totally unacceptable and will not be tolerated. I can see by many postings on XXXX and other sites how many complaints they have and did not know until I was having problems. I XXXX the name of this company and all sorts of problems came up concerning them. They need to get things going right or shut down and our loans serviced by a company that can do them right and have phone c/s where you speak to representatives, not callbacks without even speak to someone when you call the first time. I want results and good results not broken promises or a chain of no callbacks, nor any emails or no check cashed and maybe laying in a lockbox which is now a stop payment check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21742
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My husband stole my identity after we married, as the trustee of my Trust and began taking out mortgages and HELOC 's against the equity in my Trust. His best friend ( XXXX XXXX ) owned his own XXXX, XXXX XXXX XXXX and so he processed the loans and then my husband used an escrow officer ( XXXX XXXX ) at XXXX XXXX XXXX to have us sign quit claim deeds to move the money in and out of my Trust. I was an XXXX on a XXXX XXXX and so I was afraid to challenge or report my husband for fear of XXXX. He continued to XXXX and XXXX XXXX XXXX and take out hundreds of thousands of dollars from my Trust. Twenty years ago, identity theft and mortgage and title fraud was something that I was not familiar with, and as my husband I " trusted '' him, yet I was also fearful and scared of any retaliation if I did not submit to him. He refinanced my Trust in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX to the tune of approximately 1 million dollars. At no time did I ever initiate contact with XXXX XXXX, XXXX XXXX, nor initiate any Real Estate transactions. He was never the Trustee nor a beneficiary to my or my mother 's Trust. My sister sued me in XXXX for the Conversion of my mom 's Trust ( which is stacked on top of mine ) and at that time I became fully educated as to the extent of his criminal behaviors. He has refused to cooperate however with the civil and divorce courts. XXXX XXXX, Special Master has perjured himself in the divorce courts. Judge XXXX XXXX has silenced my testimony and evidence. His lawyer XXXX XXXX XXXX has submitted false statements to the court. I have filed for identity theft with the FTC, IRS, FBI, the AG office, Organized Crime of XXXX Police, SSA and the DHS. My husband fraudulently brought me from XXXX on a Petition for an Alien Relative and instead of supporting me, he has stolen hundreds of thousands through mortgage and title fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87120
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Called SLS numerous times : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The tel. no. on their statement : XXXX ( no one EVER answers this tel. no. ), was transferred to : XXXX no one answers this no. either! UNABLE TO REACH A REP. SLS called me back on XXXX on XX/XX/XXXX and was disconnected twice! Unable to get confirmation from SLS that my automatic payments ( {$1200.00} ) deducted from my checking acct. have been cancelled. SLS continues to do automatic withdrawals, even though I have requested for a COVID-19 forbearance onXX/XX/XXXX at XXXX XXXX ( Hi time ). Need my current funds for FOOD and SHELTER. SLS continues automatic withdrawals from my bank acct. Every time I call SLS, a robot informs me to continue making my monthly mortgage payments! PLEASE HELP! This company is unwilling to help customers in need. They do not have anyone answering phone calls at : XXXX XXXX XXXX XXXX. Their customer service DOES NOT exist. How can a legal operation stay in business without telephone service for their customers? Do not use this company if you do not own a computer! DO NOT USE THIS BANK! Very frustrating to get ANY type of information on the phone. YOU HAVE TO USE YOUR COMPUTER! They do not answer the telephone, ever! You always get the same recording : " due to high call volume we are experiencing a long wait time ... ... ... .. '' No one will come on the phone after that. I don't think they are a legitimate bank at all. I inherited SLS, originally I had a different bank. Never heard of SLS until now. What a SCAM! Attached is the permit for my " legal BED & Breakfast ''. ALL BOOKINGS were cancelled for XXXX, XXXX, XXXX and XX/XX/XXXX. Over {$160000.00} LOSS OF INCOME. This does not include an additional {$55000.00} in cancellations from XXXX to XX/XX/XXXX, due to Mayor XXXX XXXX 's Stay At Home Order, to cease all vacation rental operations. Go to : XXXX XXXX XXXX for confirmation of ORDER. You can call the XXXX for rules regarding short term rentals : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. Hawaii is in the mist of a financial crisis due to no more tourists allowed in Hi without a 14 day quarantine!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96734
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a home equity line of credit with XXXX XXXX XXXX for several years. Without any warning, my loan was sold to another lender. However, I continued to make the payments to XXXX XXXX XXXX online in good faith from XX/XX/XXXX until XX/XX/XXXX, when I received a call from the new lender, Specialized Loan Servicing informing me that I was three months behind in payments. I retrieved their payment information and started paying them directly after that time. I told them that the prior three payments were in fact made but paid through XXXX XXXX XXXX. I have the bank statements to prove it and promptly emailed them to Specialized Loan Servicing, per their instructions. Fast forward to XX/XX/XXXX. I receive a huge envelope from Specialized Loan Servicing urging me to restructure my loan since I am seriously behind in payments. It is like I never even spoke to them regarding this matter or sent them proof that the payments were made. I did also speak to XXXX from XXXX XXXX XXXX, Texas today regarding this issue and she verified that the payments were deducted from my account and should have been forwarded and that this was really an issue with the new lender. At any rate nobody at Specialized Loan Servicing seems to know what happened to my missing three payments for {$210.00} each, even though I have also spoken with them again today. I did resend the online Bill Pay Statement history from XXXX XXXX XXXX for this account as well, since their customer support said there wasn't even a case opened yet to do a tracer on the missing payments, which seriously concerns me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92648
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My husband and I have a mortgage that is serviced by Specialized Loan Servicing LLC. We have always made our payments as soon as the billing statement arrives in the mail which occurs between the XXXX and the XXXX of the month preceding the month it is due on the first of the following month. Everything went fine until we sent our XXXX payment in on XX/XX/2020. This is XX/XX/XXXX and we have yet to receive our mortgage billing statement from them for XX/XX/2020. On top of that we find out they have not cashed the check we sent for payment on XX/XX/2020 as well as now they have added late fees. You can not do live chat on their website. When you call their customer service you can not talk to anyone as it always says they are experiencing high call volume so they will do a call back to you. Each time you call, you usually get a phone call several times at which the calls get " dropped '' by their customer care unit. On the one attempt, after 3 call backs I did get a representative in customer care. She told me she is not sure what happened to our XX/XX/2020 mortgage payment. She suggested it may be in their XXXX in California. I aske how often it was checked and she stated " every hour on the hour ''. I also told her it was odd that our payment did not post as well as we got late fees added of which we have never made a late payment ever, and in fact our payments go back out the same day we receive the billing statement which is between usually the XXXX and the XXXX of the month even though she said that was not possible as they do not sent them out until the XXXX of the month, but yet when you check my payment history you can see our payments due post mostly before the XXXX of each month. We live in MD and the payments are sent out she said from Colorado, but the XXXX payments received is in California. It is odd that two things went wrong back to back. You have to wait on call backs and hope you do not have to go through several " dropped '' calls to get to speak to someone in the customer care unit. They are working from home right now. XXXX in customer care took the information. I requested to speak to a manager because XXXX said there was nothing more she could do unless I wanted to make a payment over the phone. She said she could get a manager to do a call back. I asked the name of her manager, but she did not know and said they have six and she was not sure which one would answer. She said she was in XXXX, AZ. I asked her to please make detailed notes because I want the manager to read the notes so they know the issues and to why I called and why I need someone to look into A ) where is my check and why has it not posted? B ) get someone to check the XXXX as XXXX suggested that they may need to get someone to check it to see if my check is there and XXXX XXXX see why we have not received our mortgage billing statement for XXXX and it is now XX/XX/XXXX. This is just totally insane. They have a " chat '' option but it is just premade responses and it just goes back into a loop or you can just leave the chat altogether if you feel that it is not helping. This is just absurd as to why all of a sudden back to back Specialized Loan Servicing does not have our XX/XX/2020 mortgage payment that we mailed XX/XX/2020 and that we also have not received our mortgage billing statement for XXXX as well as they are CHARGING US LATE FEES for a check they can not find. You can see our payment history online. We have always paid early and have never paid late or missed a payment,. Now all of a sudden XXXX did state they are working from home due to the Corona-19 and that there are not many people working. Did this keep us from having our payment posted???? We have a credit rating of XXXX. We are on a limited income but have excellent credit. We want the payment posted, the overdue fees removed and we need our XX/XX/2020 statement so we can send the billing stub along with the payment so it gets to Specialized Loan Servicing. I have noticed that they have a lot of complaints about their company and now we have to file one because they do not seem to care. Their website is archaic. They do not have people you can talk to without doing a callback. You can not get answers. You can not do a live chat. I have been pulling my hair out trying to get through to them and find out what has happened that all of a sudden everything for our loan has now gone down the gutter and our loan is not being serviced by this loan servicing company. It is pathetic to say the least. I am to get a call back once again from a manager within 24 hours. They say they are open 6 to 6 but they do not change their recording on the phone when day light savings time is in effect which is confusing for the customer as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21742
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We have tried for years to get a response from our lender/servicer. Now the Corvus virus has occurred and they are trying to accelerate our loan now. It has been well over 10 years they have not helped us nor corresponded. Just yearly statements. We pay our insurance directly. We dispute lender placed with the insurance department that seems to be the only area functioning. We gave up begging them to take our call. They would transfer us to Bankruptcy department and then hang up. They refused to assist us. And they made no contact until a Covid call I answered and told the lady we had not had a call in years the same cell number. Then suddenly a letter on XX/XX/XXXX, with an acceleration letter attempting to foreclose on XX/XX/XXXX after 10 years of no contact at all post bankruptcy completion and a failed modification from a previous servicer not transferred to new servicer. We told the new servicer at the time XXXX I believe and they said to wait a week call back. We did it never was transferred. They said re do with them. Within 30 days a denial came on every option including a short sale or deed in lu of foreclosure. Noting was possible. We asked what to do an attorney advised us to wait for the motion to lift stay any letter bring it in. Nothing appeared at all. In XXXX we tried to get a reverse mortage from AAG we were supposedly short {>= $1,000,000} they said try again next year. Then on XX/XX/XXXX a modification package was completed after I called a number and asked for a call back they finally answered and did not drop call or transfer me. and talked for an hour. XX/XX/XXXX I emailed to migration department a completed packet that they would not have received yet. XX/XX/XXXX a letter saying we were missing documents was already sent again by them. This is a continued process of confusion, deception or sorts not helping in not wanting or being competent to help us modify our loan. Through this stressful process of not knowing my husband suffered XXXX XXXX XXXX, XXXX, and severe XXXX and it destroyed our lives and reunited our marriage. My daughter grew up in this stress she has anxiety due to the uncertainty about if she will have a home to come to and seeing our family suffer. Due to loss jobs, major illness and the housing crises started by our broker, lender and they are all under investigation for the damage they caused. But we are still stuck with no on trying to help because our loan was forgotten now the COVID and they are trying to foreclose on us now after not helping when we needed them. Make these servicer do their jobs! Help struggling home owners clean up these bad faith loans. We reunited our credit trying to save the house early on now we are seniors with the value of our home inflated wit a {$51.00} a day late fees because of them not servicing the loan sooner. We took care of the property are charged with insurance on our file and we are XXXX I had and exemption and they still placed lender insurance over and over after notification. Then they paid higher taxes in our city not using our exemption rate and adjusting our payments. We tried to get those errors corrected years ago no one would address it. As long as we were in Bankrupcy they would do their job. 2013 we did the courts portion. The house was behind we were going to refill since the illness got worse. They never lifted stay and refused to talk to us. We sent letters no response. XXXX we completed BK and it has been sitting waiting to be helped by Harp or Hemp but not even XXXX XXXX XXXX was hardship enough to do these government programs to help home owners.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Below is my letter to my mortgage company that I e-mail to them on XX/XX/XXXX, to which they have not replied. I have called, but the automated system continued to kick me off the line. It is impossible to reach a live person on the phone. Best, XXXX XXXX RE : Loan # XXXX Dear SLS, I am writing to inform you of another error in your calculations. Please see the screen shot attached for verification. On XX/XX/XXXX, my principal balance was XXXX. On XX/XX/XXXX, I made two payments. The first, was {$4500.00}, which brought my principal balance to XXXX. However, the second payment is not calculated correctly in my account ( see attached ). I made a {$1000.00} Payment to principal, which should have then brought my principal balance to XXXX. On, XX/XX/XXXX, I made another payment, of which XXXX should have been applied to the principal, which would have lowered my principal balance further to XXXX. Please check to see if this is correct. [ As of XX/XX/XXXX, my principal balance is listed as {$240000.00} ]. Please update our principal balance to the correct amount. -- -- -- -- -- In addition, also on XX/XX/XXXX, I sent the following message to SLS, for which # 6 ( see below has not been addressed ). I paid the principal down below the 80 % and should have not been charged the PMI on XX/XX/XXXX. Best, XXXX -- -- -- -- RE : Loan # XXXX Dear SLS, I am writing in hopes to address several errors that were made in the letter I received from SLS on XX/XX/XXXX. 1. It was indicated that " We have not received a signed authorization to perform a valuation on the property. '' The evaluation has already been completed. It was completed in XXXX of XXXX. 2. In the document titled " Borrower-Initiated MI Termination Evaluation Results '', this information appears to inaccurate. As the records show on my account, the principal balance on XX/XX/XXXX was paid down to {$240000.00}. As of today ( XX/XX/XXXX ) the balance is even lower {$240000.00}. 3. Using the figure provided in # 2 ( above ), and XXXX ( the property value at origination ) x 80 % = XXXX. Therefore, MI.R001 should be a " pass ''. 4. Using the figures provided in # 2 ( above ), and XXXX ( the property purchase price ) x 80 % = XXXX. Therefore, MI.R032 should be a " pass ''. 5. Because of # 3 and # 4 above, MI.R037 should be a " pass '' 6. Because of items # 1-5 above, I request that the PMI be cancelled and that I am compensated the {$100.00} of the PMI that was charged on the bill that I paid on XX/XX/XXXX. Thank you for your time and your consideration and I look forward to your response. Sincerely, XXXX XXXX XXXX : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Predatory mortgage servicing : Specialized Loan Servicing is manufacturing a default on our mortgage by manipulating the escrow account. SLS recent analysis XXXX XX/XX/XXXX XXXX stated an escrow shortage of {$2800.00}, SLS has failed to manage our escrow account with safeguards in place to ensure there's enough money in our escrow account to cover our property taxes and insurance premiums. SLS has disbursed funds to us in XXXX and XXXX of overage funds in escrow account. Our home of 26 yrs. and we are on a fixed income is NOT able to pay {$2800.00} due to their unscrupulous service. We requested SLS to remove the escrow shortage due to their negligence in the amount of {$2800.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30233
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I filed for a bankruptcy chapter XXXX back in XXXX of XXXX XXXX 9 Years ago ), I had a mortgage that was included in the bankruptcy and as soon as I received my discharge in XX/XX/XXXX, that same mortgage company ( Specialized Loan Servicing ), reported me more than 60 days late, which was not supposed to be done, considering that bankruptcy is 9 years old. I have reached out to them on many occasions since XXXX and have been told on multiple occasions it will be correctly reported to the credit bureau. Finally, after multiple failed attempts, since they have continuously kept reporting incorrect information, I sent a certified letter to the bank in question with all the proof and nothing has been done. I finally reached out to the credit bureaus, and sent the explanation, with all supporting documentation, I received a credit dipute update with XXXX, claiming that the mortgage company has reported correctly and that sufficient information was not provided. I sent XXXX the letter I sent to mortgage company, a detailed explanation of what was going on and the proof of bankruptcy payment plan where this mortgage was included and completed with exact dates. I don't understand how much more specific I can be. I then call the XXXX phone number XXXX, and am asked to verify my identity. I verify the information around 5 times, with the numeric portion of my address, phone number, social security and zip code and system says it can not verify my identity, although I am 100 % sure Ive input the correct info. Then I call consumer services at XXXX and explain I really need to speak to someone and they say they are terribly sorry but there's nothing they can do. I finally communicate with XXXX and after 3 and 1/2 hours on hold ( I took a picture of the screenshot ), I was told by an XXXX customer service rep that despite me sending them bankrupcy proof and advising them that mortgage company is being extremely uncooperative, the incorrect information will continue to be on my file.I then asked the rep if I can record her saying that and she agrees. Her ID # is XXXX, name XXXX I believe. I have the recording on my phone, just could not upload, where I recorded the rep confirming they would not remove the negative rating report. Both the mortgage company and XXXX have been very uncooperative. This has been affecting me in obtaining credit, including a refinance of a home I own and 1 I'm trying to buy. I have been more than patient and now I see myself extremely hurt, as no one will give me financing and I have a balloon loan due as well. Please help with having the mortgage removed from my credit ASAP, as it was included in my bankruptcy. Thank you in advance.I have also attached the letter of denial from the Lender trying to get me approved. This is only an example of what has been happening to me for a while. I have been pretty much denied by other banks because of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33018
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We have not received an acceleration letter from the alleged servicer/lender. Per the CARES Act " A federally backed mortgage loan servicer is prohibited from initiating any foreclosure process, seeking foreclosure judgment or order of sale, or executing a foreclosure-related eviction or foreclosure sale for at least a 60-day period that began on XX/XX/XXXX. We received 2 sets of foreclosure papers, one dated XX/XX/XXXX and another dated XX/XX/XXXX. It appears that on XX/XX/XXXX, XXXX XXXX purchased the Securitization : XXXX XXXX from XXXX XXXX under XXXX XXXX XXXX Then it appears that XXXX XXXX sold the aforementioned to XXXX XXXX XXXX XXXX XXXX - the investment bank. Additionally, the " Trust '' closed on XX/XX/XXXX. XXXX XXXX advised all servicers to cease using their name to foreclose XX/XX/XXXX. We have multiple documents that show that there is a zero balance. Also, there are multiple pending appeals in multiple courts, yet the attorney law firm, XXXX XXXX XXXX ( part of the LOGS network ), using XXXX XXXX XXXX XXXX XXXX I am/was in a bankruptcy case. The Chapter XXXX Trustee ( office ) entered my unauthorized signature on a confirmation of my Chapter XXXX plan. The Chapter XXXX trustee openly admitted that the endorsement was a mistake. The Bankruptcy Court - still allowed the Chapter XXXX Trustee to withdraw and vacate the plan -- outside the allotted fourteen day window, Also, the former defense attorney ( no longer with the law firm ) entered into the United States Bankruptcy Court - an alleged 9-page promissory note. Eventually, the Court provided me with a certified copy of this 9-page promissory note. BUT, here 's the crux - I was not at closing - I did not sign a deed of trust or a promissory note -- We have also researched and learned that the alleged notary public was not a notary - at the time ( XXXX ) There are illegal documents recorded in our local County recorders office. My automatic stay continues to be violated. There remains an active XXXX XXXX on our property. Yet, XXXX XXXX XXXX is scheduled to foreclose on our property illegally on XX/XX/XXXX. The deed of trust and the promissory note is voided ab initio. There is so much more to this story - but this illegal sale needs to be stapped. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23231
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A