{"took":918,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":6,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"1332062","_score":17.00792,"_source":{"product":"Mortgage","complaint_what_happened":"We presented a complaint on XXXX XXXX here at the Consumer Finance Protection Agency Case number : XXXX. On XXXX XXXX XXXX XXXX XXXX, exactly 27 days before our trial decided to file a motion to substitute party plaintiff and throwing our case to Nationstar Mortgage LLC as the \" new '' plaintiff. \nFor five years our case have been bouncing from XXXX, to XXXX, to XXXX XXXX XXXX and have changed law firms over and over again. They keep us in constant stress and keep avoiding to help us as mandated by the Government. Here is again our case : On XXXX XXXX XXXX after several months of paperwork we closed on our home with XXXX XXXX. I was asked to sign hundreds of papers with little or no time to review any of them. At that moment I was pressured to get the closing done. We provided XXXX % of the value of our home and our mortgage was {$1400.00} plus a MIP of {$390.00} or {$1800.00} per month with an interest rate of 2.5 %. By the end of the fifth year payments blew up to {$2800.00} plus {$390.00} of MIP to {$3200.00} per month. Just the mortgage grew XXXX %. \nDuring that process XXXX sold our mortgage to several other banks including XXXX XXXX XXXX and XXXX XXXX XXXX. \nBefore the XXXX % increase in our mortgage payment came through we requested XXXX XXXX XXXX to refinance and their response every time was \" you are paying on time we ca n't help you ''. We kept on calling until one XXXX XXXX XXXX representative stated that the reason they were unable to help us was because we were current with our payments and we needed to be in default for them to be able to help ''. \nBased on those instructions we defaulted and 60 days later re-applied through the Home Affordable Refinance Act three times. Even thou we fulfilled XXXX % of the criteria XXXX refused to refinance and proceeded with a foreclosure. \nSince we found the whole situation building up against us we hired an attorney and we did a compliance stress test of our mortgage with a certified reputable Loan Analyst for the RESPA and TILA and the result stated that the mortgage generator and its successors violated many RESPA and TILA federal and state statutes. \nWe filed a counter claim at the court stating that not only the mortgage note are unforceable due to direct violations of TILA but also of the HOEPA and failed to deliver a notice of acceleration to us the homeowners violating the Federal Debt Collection Practices Act and also XXXX XXXX XXXX breached the mortgage agreement by force placed insurance in an amount in excess of that required under the mortgage. The mortgage also understated the finance charges and annual percentage rate violating the Truth in Lending Disclosure Statement at the time of closing. \nTo top all that we requested a Home Equity Line of Credit for {$100000.00} which XXXX XXXX XXXX provided even though our home did n't have enough equity. Throwout the life of the HELOC we paid it in full several times and XXXX XXXX XXXX kept on lending us money even there was not equity to support that loan also known as predatory lending practices. \nEven after XXXX XXXX XXXX tries to foreclose in our primary residency and put our family on the street, we made and arrangement to pay the {$110000.00} HELOC and we satisfied that mortgage on XXXX XXXX XXXX.","date_sent_to_company":"2015-04-16T20:28:43.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional adjustable mortgage (ARM)","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"1332062","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NATIONSTAR MORTGAGE LLC","date_received":"2015-04-15T00:19:23.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Since we found the whole situation building up against us we hired an attorney and we did a <em>compliance</em> <em>stress</em> <em>test</em> of our <em>mortgage</em> with a <em>certified</em> reputable Loan Analyst for the RESPA and TILA and the result stated that the <em>mortgage</em> generator and its successors violated many RESPA and TILA federal and state statutes."],"product":["<em>Mortgage</em>"],"company":["NATIONSTAR <em>MORTGAGE</em> LLC"],"sub_product":["Conventional adjustable <em>mortgage</em> (ARM)"]},"sort":[17.00792,"1332062"]},{"_index":"complaint-public-v1","_id":"1306303","_score":16.877346,"_source":{"product":"Mortgage","complaint_what_happened":"On XXXX XXXX XX/XX/XXXX after several months of paperwork we closed on our home with XXXX WHOLESALE CORPORATION. I was asked to sign hundreds of papers with little or no time to review any of them. At that moment I was pressured to get the closing done. We provided 10 % of the value of our home and our mortgage was {$1400.00} plus a MIP of {$390.00} or {$1800.00} per month with an interest rate of 2.5 %. By the end of the fifth year payments blew up to {$2800.00} plus {$390.00} of MIP to {$3200.00} per month. Just the mortgage grew 127.20 %. \nDuring that process XXXX sold our mortgage to several other banks including CountryWide Home Loans and Bank of America. \nBefore the 127.20 % increase in our mortgage payment came through we requested Bank of America to refinance and their response every time was \" you are paying on time we ca n't help you ''. We kept on calling until XXXX Bank of America representative stated that the reason they were unable to help us was because we were current with our payments and we needed to be in default for them to be able to help ''. \nBased on those instructions we defaulted and 60 days later re-applied through the Home Affordable Refinance Act XXXX times. Even thou we fulfilled 100 % of the criteria BOA refused to refinance and proceeded with a foreclosure. \nSince we found the whole situation building up against us we hired an attorney and we did a compliance stress test of our mortgage with a certified reputable Loan Analyst for the RESPA and TILA and the result stated that the mortgage generator and its successors violated many RESPA and TILA federal and state statutes. \nWe filed a counter claim at the court stating that not only the mortgage note are unforceable due to direct violations of TILA but also of the HOEPA and failed to deliver a notice of acceleration to us the homeowners violating the Federal Debt Collection Practices Act and also Bank of America breached the mortgage agreement by force placed insurance in an amount in excess of that required under the mortgage. The mortgage also understated the finance charges and annual percentage rate violating the Truth in Lending Disclosure Statement at the time of closing. \nTo top all that we requested a Home Equity Line of Credit for {$100000.00} which Bank of America provided even though our home did n't have enough equity. Throwout the life of the HELOC we paid it in full several times and Bank of America kept on lending us money even there was not equity to support that loan also known as predatory lending practices. \nEven after Bank of America tries to foreclose in our primary residency and put our family on the street, we made and arrangement to pay the {$110000.00} HELOC and we satisfied that mortgage on XXXX XXXX XX/XX/XXXX","date_sent_to_company":"2015-04-02T13:58:40.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional adjustable mortgage (ARM)","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"1306303","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2015-03-29T17:36:06.000Z","state":"FL","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Since we found the whole situation building up against us we hired an attorney and we did a <em>compliance</em> <em>stress</em> <em>test</em> of our <em>mortgage</em> with a <em>certified</em> reputable Loan Analyst for the RESPA and TILA and the result stated that the <em>mortgage</em> generator and its successors violated many RESPA and TILA federal and state statutes."],"product":["<em>Mortgage</em>"],"sub_product":["Conventional adjustable <em>mortgage</em> (ARM)"]},"sort":[16.877346,"1306303"]},{"_index":"complaint-public-v1","_id":"11657516","_score":10.746472,"_source":{"product":"Mortgage","complaint_what_happened":"JPM Chase, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX, Website : www.jpmorganchase.com, had originated a 2nd HELOC on my house in XXXX. When the great housing financial crisis hit, they potentially modified and zeroed out the loan in preparation to receive government crisis bailout money. The bank neglected to disclose this in final disclosure workout statements. XXXX decades later, XXXX nefarious foreclosure scammers partnered together to launch a XXXX XXXX Foreclosure Scam on my family. \n\nThese scammers partnered together to setup a scheme where they try to foreclose my house in the middle of XXXX XXXX, hoping no one is home to mitigate the crime. There was no notice and warning, no debt validation, no loan info, no Notice of default, no 2nd mortgage affidavit, no foreclosure notices for the loan, no CURE, no payoff, no timeline of debt - statute of limitations pursuant to ( FDCPA ), Code of Virginia 8.01-246 ( 2 ), Virginia 8.01-246 ( 4 ).\n\nFortunately, the foreclosure auction was canceled due to winter storm, shutting the government down for days. My family just got lucky. We are suppose to be homeless today if not for the grace of mother nature.\n\nThe biggest issue right now is no one can source the JPM documents from XXXX  years ago to validate this debt. Again, JPM took government bailout money on a condition that these loans that were in good standing, but under water, would be paid off, modified, settled, or closed out. But they did not disclose the settlement to customers or new buyers causing nefarious entities to pick it up later and play games with our lives. \n\nThis scheme would have been an epic success if it wasnt for the winter storm of XXXX in XX/XX/XXXX, XXXX, and XXXX. The storm shut everything down. \n\nI am requesting disclosure compliance from JPMs SOP ( standard operating procedure ) related to XXXX XXXX execution of financial crisis rescue. JPM had SOP designed to show that they will follow strict guidelines during the acceptance process of government bailout. This is for 2nd lien SOP - HELOC during XXXX XXXX. Further to that, I need all records for deed loan number XXXX, XXXX XXXX ( previously XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX ). \n\nThis should include but not limited to Loan Application, Approval, 1st & Last Payment, Fees & Interest, 1098, 1099, emails, regular & certified mail, phone transcripts, modification review, payoff, and final write-off. This is an urgent matter to mitigate an ongoing foreclosure scam launched on my family using JPM lax disclosure records. The scam has caused untold damages. Again, they did this during XXXX XXXX and new years XXXX, withing XXXX  days. And it is still ongoing. My family is living in darkness, waiting for the next auction where they will re test the scam. \n\nRECAP : XXXX XXXX XXXX entities took advantage of JPMs lack of loan disclosure during the housing crisis of XXXX to conduct a scheme where they placed a foreclosure ad on washingtontimes against my house XX/XX/XXXX. Since then, the threats, attacks, and phone calls keep coming from new entities. This is what happens when a debt collector leverages lack of disclosure from JPM to go above the law to foreclose without even telling you. Once they listed my property, everyone started calling and harassing my family nonstop. Strangers are parking outside my home and realtors posting notes to my door. The stress is coming from all over and its endless, disrupting life, finances, work, and family.\n\nThis scam came out of no where and they put the foreclosure ad without even telling me. I have no notice or anything. I found out after someone else saw the ad during holiday?\n\nI dont know anything about the debt, last payment, origination, or HAMP Modification related to it. This loan is XXXX XXXX XXXX, being collected by an unknown LLC appearing out of no where, in the middle of holiday? Am I still living in XXXX? This is nuts.","date_sent_to_company":"2025-01-17T21:31:04.000Z","issue":"Trouble during payment process","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"20155","tags":null,"has_narrative":true,"complaint_id":"11657516","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-01-17T21:21:28.000Z","state":"VA","company_public_response":null,"sub_issue":"Lien release"},"highlight":{"complaint_what_happened":["My family is living in darkness, waiting for the next auction where they will re <em>test</em> the scam. \n\nRECAP : XXXX XXXX XXXX entities took advantage of JPMs lack of loan disclosure during the housing crisis of XXXX to conduct a scheme where they placed a foreclosure ad on washingtontimes against my house XX/XX/XXXX. Since then, the threats, attacks, and phone calls keep coming from new entities."],"product":["<em>Mortgage</em>"]},"sort":[10.746472,"11657516"]},{"_index":"complaint-public-v1","_id":"18025189","_score":7.662274,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX XXXX XXXX Of The Estate Of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : NOTICE AND DEMAND PURSUANT TO 15 U.S.C. 1692 ( f ) Unfair Practice Dear XXXX XXXX : The Estate of XXXX XXXX XXXX is in receipt of NOTICE OF BREACH AND DEFAULT AND OF ELECTION OR CASUE TO BE SOLD REAL PROPERTY UNDER DEED OF TRUST, filed XXXX and XX/XX/XXXX, with the XXXX XXXXXXXX XXXX. This request notice is considered as a validation of debt. XXXX XXXX XXXX should have cease collection of the debt, or any disputed portion thereof, until XXXX XXXX XXXX obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to me by XXXX XXXX XXXX Collection activities and communications that do not otherwise violate this subchapter may continue during the XXXX period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. \n( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. \n( d ) Legal pleadings as sent to the address XXXX XXXX XXXX alleging to be in the debt collection business and allege a mortgage is past due. \nXXXX XXXX  Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( a ) Federal Trade Commission The Federal Trade Commission shall be authorized to enforce compliance with this subchapter, except to the extent that enforcement of the requirements imposed under this subchapter is specifically committed to another Government agency under any of paragraphs ( XXXX ) through ( XXXX ) of subsection ( b ), subject to subtitle B of the Consumer Financial Protection Act of XXXX [ 12 U.S.C. 5511 et seq. ]. For purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), a violation of this subchapter shall be deemed an unfair or deceptive act or practice in violation of that Act. All of the functions and powers of the Federal Trade Commission under the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by any person with this subchapter, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce the provisions of this subchapter, in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule. \nClear Recon Corp is considered a debt collector, and a corporation. Corporate law clearly states that corporations can only have a contract agreement only with another corporation. On the face of the envelope the spelling of XXXX XXXX name in all capital letters is a trust that was set up for my mother at time of birth. XXXX XXXX is the generator of the funds : XXXX the promissory note paid off the loan, XXXX paid the bank to birth it into a negotiable instrument, which the bank is trying to say is the mortgage. \nXXXX. The bank never put up any type of consideration at the time of loan. \nXXXX. The promissory note is detached from the deed by being placed in MERS. \nXXXX. The promissory note is securitized, ( bifurcation ) XXXX. This is deceptive practices, along with misrepresentation. \n15 U.S. Code 1692c Communication in connection with debt collection a ) COMMUNICATION WITH THE CONSUMER GENERALLY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I base my claim off the Unlawful Trade Practice Act. Within a private right of action, any consumer who suffers any ascertainable loss of money or property as a result of willful use of an unlawful practice may recover actual damages or {$1000.00}, whichever is greater, plus punitive damages and attorney fees. \n\nThe word XXXX means an intentional, knowingly deliberate, Intending the result which actually comes to pass, Designed, not accidental or involuntary acts. \nThe word deliberate may be used either as an adjective or a verb. If used as an adjective, it refers to intentional or predetermined action or omission. Your policy/conduct is particularly harmful and reckless, and the consumers are suffering actual damage that is causing economic damage and loss of enjoyment. \n\nTHAT failure to respond as herein required to this XXXX, within the herein a prescribed time of XXXX ( XXXX ) days will be deemed by this XXXX to invoke the doctrine of acquiescence and admission, to recover, in commerce, the lost or damaged properties plus damages, penalties and costs. \nTHAT this Notice and Demand and Warning of Commercial Grace, is the XXXX AND ONLY such Notice and Warning. If Respondent does not answer within XXXX ( XXXX ) days, it shall be considered a willful disregard for this Notice and Warning, and such shall engender the immediate filing of Criminal Complaints ( Affidavits of Information ) and Commercial Liens ( Affidavits of Obligation ) against all parties involved. \nTHAT the foundation of Commercial Law, being based on certain eternally just, valid, and moral precepts, has remained unchanged for at least XXXX ( XXXX ) millennia. Said Commercial Law forms the underpinnings of Western Civilization if not all Nations, Law, and Commerce in the world, is NON-JUDICIAL, and is prior and superior to, the basis of, and can not be set aside or overruled by, the statutes of any governments, legislatures, quasi-governmental agencies, or courts. It is therefore an inherent obligation on all corporate Agents to uphold said Commercial Law, without which said entities are violating the just basis of their alleged authority and serving to disintegrate the society they allegedly exist to protect. \nCONTRACT OF LIABILITY FOR ALLEGATIONS THAT if the XXXX, said agent of Clear Recon Corp fails to rebut such claims or charges, the Undersigned is LAWFULLY entitled to claim default against the Respondent. In that case, the Undersigned is fully entitled to take whatever LAWFUL steps may be necessary in order to execute this, Lien. \nTHAT only I, the Human Being involved against my free will in this instant matter, can determine how much stress, economic damage, and other disturbance I have suffered by virtue of XXXX XXXX willful use of an unlawful practice, and consequently only I am in the position to decide and dictate my desired compensation, being the amount of {$200000.00} for the Unfair practice on my absolute sovereignty, that being the sum total demanded by this Commercial Lien on the individual said agent of XXXX XXXX XXXX, who is liable for the above claim THAT by specifically offering said agent of XXXX XXXX XXXX the chance to apologize in writing ( although the opportunity has always been there for the taking ), in this instant matter, XXXX  come to this position with clean hands as having shown good faith. \nTHAT for all the purposes of all of the forgoing, all references to said agent of XXXX XXXX XXXX shall be construed to refer to an individual who considers their Legal Fiction Name to be XXXX XXXX, or any variant thereof, including Names phonetically sounding the same or similar, and who can accept service via mail to XXXX XXXX XXXX Attn : Customer Relations, XXXX XXXX XXXX, XXXX, TX XXXX that the Estate of XXXX XXXX XXXX XXXX XXXX Undersigned XXXX depose and certify that it have written the foregoing with intent and understanding of purpose, and believe the statements, allegations, demands and contents herein to be true, correct, and complete, commercially reasonable, and just, to the best of my knowledge and belief. \nAll words herein are as XXXX defines them. \n\n\nSigned and sealed this XXXX  day of XXXX, XXXX. \nAll rights reserved. \n\nBy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-12-14T07:05:03.000Z","issue":"Closing on a mortgage","sub_product":"Reverse mortgage","zip_code":"89106","tags":null,"has_narrative":true,"complaint_id":"18025189","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Aldridge Pite, LLP","date_received":"2025-12-14T06:37:24.000Z","state":"NV","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Closing disclosure or other related disclosures"},"highlight":{"complaint_what_happened":["( d ) Legal pleadings as sent to the address XXXX XXXX XXXX alleging to be in the debt collection business and allege a <em>mortgage</em> is past due."],"product":["<em>Mortgage</em>"],"issue":["Closing on a <em>mortgage</em>"],"sub_product":["Reverse <em>mortgage</em>"]},"sort":[7.662274,"18025189"]},{"_index":"complaint-public-v1","_id":"3888794","_score":7.1424265,"_source":{"product":"Mortgage","complaint_what_happened":"Our mortgage experience with GREEN TREE SERVINCING originated out of our original loan in XX/XX/XXXX with CONSECO FINANCE f/n/a GREEN TREE FINACIAL SERVICING. While my complaint is directly related to the current actions of GREEN TREE SERVICING and DITECH FINANCIAL it is a direct result of a clear and calculated plan of these entities and their owners to circumvent and violate consumer laws using name changes, bankruptcy and/or creating new entities to shield their assets and avoid being held accountable and denying consumers the means to seek legal remedy caused by their actions. While the actions alone of a corporate name change, creating a new entity or filing bankruptcy may not be illegal doing them in concert with  knowledge of avoiding the consequences of wrong doing and/or to avoid laws designed to keep necessary checks and balances in place to protect consumers transfers to a system of fraud and deceitfulness. \n\nPrior to becoming CONSECO FINANCE violations of consumer laws relating to mortgages began with GREEN TREE FINANCIAL and its violations of regulation Z and D pertaining high cost mortgages as this directly relates to our current situation. GREEN TREE FINANCIAL SERVICING was aware of these violations and stated such in its PROSPECTUS SUPPLEMENT filing with the SEC document ( XXXX ) date XXXX-03-02 page 33. The practice of shielding itself from the consequences of these violations are stated in GREEN TREE FINANCIALS SEC filing S-/3A ( XXXX ) under recent developments section S-22 where it puts forth its reasoning as DUE TO VARIOUS LAWSUITS IN BOTH THE UNITED STATES AND THE DISTRICT OF MINNESOTA that it would be changing its name to CONSECO FINANCE. As part of the name change a company was CONSECO SECURITIZATION was created and it stated the purpose of its creation the direct quote from its PROPESTUS ( see below ) CONSECO FINANCE SECURITIZATIONS CORP.\n\nConseco Securitizations is a wholly owned subsidiary of Green  Tree. It was formed on XX/XX/XXXX. Conseco Securitizations may only engage in the business of acquiring pools of contracts from Green Tree and transferring those contracts to trusts such as the trusts described in this prospectus, and activities incidental or related thereto. The principal executive offices of Conseco Securitizations are located at XXXX XXXX  XXXX, XXXX XXXX, Minnesota XXXX and its telephone number is ( XXXX ) XXXX. \n\nConseco Securitizations has taken and will take steps in conducting its business that are intended to make it unlikely that a bankruptcy of Green Tree would result in the consolidation of the assets and liabilities of Green Tree and Conseco Securitizations. These steps include the creation of Conseco Securitizations as a separate, limited-purpose corporation pursuant to a certification of  incorporation containing restrictions on the permissible business activities of Conseco Securitizations, requiring that Conseco Securitizations have on its board of directors at least two directors who are independent of Green Tree, and requiring that all business transactions or corporate actions outside of the ordinary course of business be approved by the independent directors. \n\nOnce GREEN TREE FINANCIAL became CONSECO FINANCE the violations continued and according to CONSECOS filing with  SEC ( XXXX file date XXXX ) they were aware of these violations citing particularly the consequences of high risk loans as part of their loan pools. Pursuant to rule 12CRF ( 1026.32 ( d ) ) in particular relating to balloon payments as this is what has caused our current situation CONSECO FINANCE knew or should have known that the law provided a means test to identify high cost mortgages that may have been in violated certain provisions pertaining to balloon payments. Again after these violations posed legal jeopardy to CONSECO it moved to change its name back to a form of GREEN TREE FINANCIAL SRVICING to GREEN TREE  SERVICING on XX/XX/XXXX under which it began servicing our loan. \n\nIn XXXX of XXXX we received a letter from your BUREAU regarding a settlement with GREEN TREE SERVINCING ( see attached ) however our mortgage was then being serviced by DITECH FINANCIAL as a result of a merger between DITECH MORTGAGE CORP, DT HOLDINGS LLC and GREEN TREE SERVING ( see below ) STATE OF DELAWARE CERTIFICATE OF MERGER Pursuant to Title 6, Section 18-209 of the Delaware Limited Liability Company Act, the undersigned hereby executes the following Certificate of Merger : FIRST : The surviving limited liability company is Green Tree Servicing LLC, a Delaware limited liability company, and the corporation and limited liability company being merged into this surviving limited liability company are : DT Holdings LLC, a Delaware limited liability company, and Ditech Mortgage Corp, a California corporation.\n\nSECOND : The Agreement and Plan of Merger has been approved, adopted, certified, executed and acknowledged by each of the constituent corporations and limited liability companies pursuant to Title 6, Section 18-209 of the Delaware Limited Liability Company Act.\n\nTHIRD : The name of the surviving limited liability company is hereby amended to Ditech Financial LLC, a Delaware limited liability company ( as such surviving entity, the Surviving Limited Liability Company ).\n\nFOURTH : The mergers are to become effective as of XXXX XXXX  EDT on XX/XX/XXXX. \nFIFTH : The Agreement and Plan of Merger is on file at XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX, the principal place of business of the XXXX XXXX XXXX XXXX. \nSIXTH : A copy of the Agreement and Plan of Merger will be furnished by the XXXX XXXX XXXX XXXX on request, without cost, to any stockholder or member of the constituent corporations or limited liability companies, as applicable. \n[ The remainder of page intentionally left blank. ] ________________________________________ IN WITNESS WHEREOF, said XXXX XXXX XXXX XXXX has caused this certificate to be signed by an authorized officer, the XXXX day of XXXX, XXXX. \n\n\nGREEN TREE SERVICING LLC By : Name : XXXX XXXX XXXX : Assistant Secretary [ Certificate of Merger ] ________________________________________ State of Delaware Secretary of State Division of Corporations Delivered  XXXX XXXX  XX/XX/XXXX FILED XXXX XXXX  XX/XX/XXXX SR XXXX - File Number XXXX Through the numerous conversions and mergers our mortgage was subjected to violations of consumer housing and credit laws as outlined in the original complaint filed by your Bureau. \nWe were aware that our loan consisted of a balloon payment and attempted to refinance our loan on XX/XX/XXXX, through XXXX XXXX XXXX. We requested the payoff amount for the loan per the request of XXXX XXXX XXXX and was approved for the loan however at the closing of the loan GREEN TREE SERVICING would not accept the payoff amount they initially quoted and required an additional XXXX XXXX dollars. Though we paid our mortgage and was current at the time we were unable to get the approval for the additional funds as it was suggested that we do an upgrade to the home to get the necessary amount for the loan through the appraisal which was a 20ft x 18ft covered porch as an addition to the home we exhausted our saving in an effort to secure the loan. ( we were unable to get a copy of the loan document but attached is a copy of the appraisal ). \nAs the loan neared maturity we reached out on numerous occasions primarily through the office located here in XXXX SC ( XXXX XXXX XXXX XXXX XXXX ) until it was closed to get help from GREEN TREE SERVICING even requesting help in XXXX, XXXX under HAMP we did receive the necessary documents and instructions on how to file ( see attached ) and submitted them to GREEN TREE SERVICING Loss Mitigation, XXXX XXXX XXXX XXXX XXXX XXXX AZ and received no response after numerous calls and their continuous documentation request in which we complied but with no results. Whereas the above stated events are directly related to the loan while under GREEN TREE SERIVING the practices only continued through the conversion to a new name occurred but individual ownership remained through the merger in which I believe is not just DITECH FINANCIAL or GREEN TREE SERVICING but the institutional practice of DITECH FINANCIAL HOLDING CORP f/k/a XXXX XXXX XXXX XXXX and its owners. DITECH continued the same practice of harassing with multiple calls within the hour several hours during the day in attempts to collect on payments only after a day or two late that fell within the ten day grace period, excessive fees and the refusal to accept proof of insurance. DITECH has continued the practice of GREEN TREE SERVICING in refusing to or engaging in any efforts to modify the loan. We did request a loan modification from DITECH because the balloon payment was due received the instructions and filed necessary documents with DITECH and again no response and filed again after we filed bankruptcy through the court portal ( see attached ). DITECH has also continually inflated the amount of the balance on the loan. In the notice of default letter ( see attached )  dated XX/XX/XXXX identifying the amount owed as {$80000.00} which we contend is not correct while in later statements after they filed bankruptcy and prior to the sale of its company starting in XXXX stating the balance to be as much as {$720000.00}. I made numerous calls to inquire about the discrepancy and was simply told this is what their records reflected. \nWhile we were under bankruptcy here in South Carolina because of the balloon payment our agreement was to pay {$600.00} per month which would be withdrawn from an account set up by DITECH FINANCIAL with XXXX XXXX XXXX  the account information was changed during the process and ultimately closed in XXXX of XXXX and. Being under bankruptcy itself in the SOUTHERN DISTRICT OF NEW YORK COURT as part of its reorganization plan DITECH agreed to sell its assets which moved it to close the account. \nIn XXXX of XXXX we received notification of a motion seeking relief was filed in the U.S BANKRUPTCY COURT FOR THE DISTRICT OF SOUTH CAROLINA by NEW RESIDENTIAL MORTAGAGE dba SHELLPOINT on behalf of XXXX XXXX XXXX  acting as trustee for GREEN TREE SERVICING because of failure to pay. I reached out to the consumer claims representative over the DITECH bankruptcy in SOUTHERN DISTRICT OF NEW YORK XXXX XXXX ( XXXX email XXXX ) in conversation she explained the statements above as to why the account was closed but that we should have been receiving statements from SHELLPOINT as the new owner/servicer of the loan. I also pointed out that we received notification back in XXXX that company GREEN TREE SERVING was resolved in a merger ( see above ) she requested the information we received identifying GREEN TREE SERVICING as the holder of the trust. \nI sent a request to Ms. XXXX per our conversation through email for a copy of any statements SHELLPOINT would have sent in XXXX and was only provided a notice of transfer ( see attached ) sent by DITECH to the bankruptcy attorney dated XX/XX/XXXX though our account was closed and we had no means to make any payments to the account. Though the law requires that statements be sent unless an exemption is claimed under the Truth in Lending Act ( Regulation Z sec 1026.41 ) as we did received periodic statements from DITECH throughout the our bankruptcy. We believe this was intentional and used to provide a reason to file the motion. \nOur current situation is a direct result of the numerous violations ( including those they agreed to refrain from committing with your BUREAU ) of mortgage and other consumer laws perpetrated by GREEN TREE SERCVICING and DITECH FINANCIAL a company that pursuant to its merger agreement should have no longer but an announcement was made preempt the announcement of its settlement with your BUREAU and the FTC to protect itself from any potential lawsuits. While GREEN TREE and DITECH are direct offenders they are organizations who conduct  business as laid out by those who manage them, these companies along with others fall under the ownership of DITECH HOLDING CORP f/k/a XXXX XXXX XXXX and the individual that manage them. \nXXXX XXXX XXXX Chief Executive Officer and President, Director XXXX XXXX XXXX ( 1 ) Executive Vice President and Chief Financial Officer XXXX XXXX XXXX, XXXX Executive Vice President and Chief Risk and Compliance Officer XXXX XXXX Chief Operations Officer XXXX XXXX XXXX Senior Vice President and Chief Accounting Officer XXXX XXXX XXXX Senior Vice President and Treasurer XXXX XXXX XXXX General Counsel, Chief Legal Officer and Secretary XXXX XXXX XXXX Senior Vice President and Chief Human Resources Officer XXXX XXXX Chief Audit Executive XXXX XXXX Senior Vice President of Financial Planning and Analysis and Corporate Development XXXX XXXX Chief Marketing Officer XXXX XXXX XXXX XXXX XXXX Vice President, Business Integration XXXX XXXX Senior Vice President XXXX XXXX XXXX Chairman of the Board XXXX XXXX XXXX Director XXXX XXXX XXXX These companies and along with the mangers leave in its aftermath families such ours in financial disarray along with the emotional stress and other loss financial opportunities.","date_sent_to_company":"2020-10-08T17:00:51.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"290XX","tags":null,"has_narrative":true,"complaint_id":"3888794","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2020-10-08T16:35:51.000Z","state":"SC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Pursuant to rule 12CRF ( 1026.32 ( d ) ) in particular relating to balloon payments as this is what has caused our current situation CONSECO FINANCE knew or should have known that the law provided a means <em>test</em> to identify high cost <em>mortgages</em> that may have been in violated certain provisions pertaining to balloon payments."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[7.1424265,"3888794"]},{"_index":"complaint-public-v1","_id":"10648310","_score":6.714731,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX, a registered business entity self-represented litigant, represented by XXXX, XXXX, XXXX for XXXX, XXXX Active and In Good Standing pursuant through Court Compliance Certificate # XXXX not appearing generally but exclusively by Special Visitation, before this court seeking a remedy in Equity as is provided by The Saving to the Suitors Clause at XXXX XXXX XXXX ( XXXX ) I am standing in my unlimited commercial liability as a Secured Party and XXXX that the Third-Party Plaintiffs do the same and waive all of their immunities. I respectfully request the indulgence of this court as I am not schooled in law. This is provided by the precedent set by XXXX vs. XXXX at XXXX XXXX XXXX. \nDEFENDANT, XXXX XXXX represented by XXXX, XXXX moves the honorable court to Vacate Order for Default Judgment entered XX/XX/XXXX, pursuant to Illinois Compiled Statutes XXXX ILCS XXXX Code of Civil Procedure. Section XXXX, seeking post-judgement relief under section XXXX of the XXXX that provides for relief from final orders and judgments after 30 days from the entry within 2 years, thereof, XXXX XXXX. Relief from a Judgment or Order ( b ) ( XXXX ) ( XXXX ) and Section XXXX XXXX ( a ) ( XXXX ) that the asserted claim for foreclosure is unenforceable under the provisions of the Statute of Fraud that has no limitation, as detailed in the doctrine of law and Title XXXX XXXX XXXX. False claims ( a ) LIABILITY FOR CERTAIN ACTS. ( XXXX ) IN GENERAL - Subject to paragraph ( XXXX ), any person who ( A ) knowingly presents, or causes to be presented, a false or fraudulent claim for payment or approval ; ( B ) knowingly makes, uses, or causes to be made or used, a false record or statement material to a false or fraudulent ; DEFENDANT, XXXX XXXX represented by XXXX, XXXX claims all his inherent, unlimited, unalienable Constitutionally secured rights, now gives Notice to this Honorable Court, as follows : XXXX. DEFENDANT, XXXX XXXX represented by XXXX, XXXX XXXX pursuant to Rule XXXX Relief from a Judgment or Order ( b ) Grounds for Relief from a Final Judgment, Order, or Proceeding. On motion and just terms, the court XXXX relieve a party or its legal representative from a final judgment, order, or proceeding for the following reasons : ( XXXX ) newly discovered evidence that, with reasonable diligence, could not have been discovered in time to move for a new trial under Rule XXXX ( b ) ; ( XXXX ) fraud both intrinsic motivation from the internal desire of greed to accomplish the goal of unlawful conversion, and extrinsic motivation from external opportunity of unjust enrichment using deceitful misrepresentation, or misconduct and lack of standing by opposing party Plaintiff TRINITY FINANCIAL SERVICES , LLC, XXXX XXXX XXXX and PRINCIPAL, THE XXXX LAW FIRM XXXX, and XXXX XXXX. \nBACKGROUND XXXX. Representative XXXX, XXXX and XXXX, XXXX for XXXX Defendants XXXX XXXX AND XXXX XXXX have resided at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. They are the legitimate owner grantees on the deed dated XX/XX/XXXX recorded XX/XX/XXXX as document # XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX transferring ownership title from XXXX XXXX and XXXX XXXX to Defendants. \nXXXX. XXXX XXXX Bank was the original lending financial institution that originated the Home Equity Line of Credit ( HELOC ) for {$19000.00} pursuant to closing documents on XX/XX/XXXX. The HELOC went into XXXX XXXX because there was never any follow up from XXXX XXXX Bank after the closing from the financial institution. \nXXXX. On XX/XX/XXXX, an Assignment of Mortgage document was recorded with the XXXX XXXX XXXX XXXX XXXX XXXX showing XXXX XXXX XXXX XXXX XXXX, successor by merger to XXXX XXXX Bank as XXXX and XXXX XXXX XXXX XXXX as assignee of the XXXX XXXX XXXX but never notified the property owners about the new assignment as required by the Truth in Lending Act. Under the Truth in Lending Act, companies must inform borrowers when their mortgage is sold to another company. \nXXXX. On XX/XX/XXXX, a Corporate Assignment of Mortgage was executed showing XXXX XXXX XXXX XXXX as XXXX and TRINITY FINANCIAL SERVICES , LLC as XXXX and was recorded in the XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, as document # XXXX, but Plaintiff TRINITY FINANCIAL SERVICES , LLC never sent a verifiable RESPA Letter of Introduction with proof of receipt by XXXX XXXX or any type of notice to Defendants that this assignment had occurred with servicing functions like introduction, notices, billing statements or account related updates breaching an assignees fiduciary duties pursuant to the Truth in Lending Act. \nXXXX. Then XXXX XXXX claims a RESPA Goodbye Letter sent from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, states that XXXX XXXX XXXX XXXX will no longer be servicing the loan, but it never was a servicer because there is no recorded assignment connecting XXXX to the XXXX property. Neither XXXX XXXX XXXX or XXXX XXXX XXXX of XXXX XXXX XXXX XXXX or any other employee signed the letter sent saying Goodbye, and what verification can Plaintiff TFS provide to prove the letter was actually sent from XXXX XXXX XXXX XXXX to and received by XXXX XXXX? \nXXXX. On XX/XX/XXXX, Defendants received a letter from XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX conveying the following message in part : Dear Borrower ( XXXX ) : This office has been retained by Trinity Financial Services , LLC, the servicer of the above-referenced mortgage loan, to provide you with formal Notice that you are in default under the terms and conditions of the Mortgage and Note, for failure to pay the required installments or payments due beginning on XX/XX/XXXX, and thereafter. We are also required by federal law to notify you that XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX is deemed to be a debt collector, and any information obtained will be used for that purpose. \nThe past-due amount, including late charges or other fees, is {$13000.00}. To cure the default you must pay the past-due amount within 30 days of the date of this Notice by mailing an official bank check in the form of certified funds, cashiers check or money order to Trinity Financial Services , LLC at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX. \nXXXX. Plaintiff XXXX XXXX XXXX, LLCs XXXX XXXX letter, came out of nowhere, paid NO Consideration, but demanded payment of a XXXX zombie debt, totally ignoring the UCC Contract Law governing XXXX XXXX ILCS XXXX Statute of Limitations XXXX expiration on all written contracts including the XXXX HELOC where Consideration is the main element of a contract. Without consideration by both parties, a contract can not be enforceable. XXXX never created a debt collector contractual agreement with the DEFENDANTS, and therefore did not possess any enforceable right to foreclose. \nXXXX. On XX/XX/XXXX, foreclosure case # XXXX XXXX XXXX was filed by Trinity Financial Services , LLC against XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX Bank, Illinois XXXX XXXX XXXX XXXX, Unknown Owners and Non-Record Claimants. \nXXXX. The XXXX of Foreclosure was entered on XX/XX/XXXX. \nXXXX. The Counterclaim Foreclosure case XXXX XXXX XXXX filed by XXXX XXXX, XXXX XXXX against TRINITY FINANCIAL SERVICES , LLC, XXXX XXXX XXXX, AFFIANT, THE XXXX LAW FIRM LLC # XXXX, XXXX XXXX, XXXX # XXXX, THE JUDICIAL SALES CORPORATION, XXXX XXXX, XXXX AND XXXX XXXX XXXX AND XXXX XXXX XXXX, SENIOR VICE PRESIDENT, XXXX MORTGAGE RESOLUTION XXXX XXXX, OWNER AND XXXX XXXX, CO-FOUNDER & MANAGING XXXX, UNKNOWN OWNERS was initially filed on XX/XX/XXXX XXXX. The Report of Sale and Distribution was entered on XX/XX/XXXX. \nXXXX. The Mortgage Foreclosure Disposed / Sheriffs Sale Approved was entered on XX/XX/XXXX XXXX. On XX/XX/XXXX, Intervenor registered complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and the Illinois Attorney General in an effort to launch investigations into the foreclosure Ponzi scheme tactics used involving his property to validates Intervenors claim of injustice and the wrongdoing he and his family has suffered. \nXXXX. On XX/XX/XXXX, a Notice of Intent to File Forcible Entry and XXXX was given to XXXX of my family members as she entered the property listing XXXX DENSMORE AVE. XXXX, XXXX as the owner of the property pursuant to foreclosure and further stating XXXX DENSMORE AVE. XXXX, XXXX or its XXXX or TRINITY FINANCIAL SERVICES , LLC ( TFS ) is hereby notifying you pursuant to DEFENDANT HAS A XXXX CLAIM XXXX. Plaintiff TFSs owner XXXX XXXX is a junk debt buyer of portfolios of cheap second mortgage assets that he claims to be the legal holder of an uncollectable statute of limitation expired indebtedness of properties with dormant low dollar amounts that he inflates, hoping to make a killing. The conspiracy of Plaintiff TFSs owner XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, PLLCs XXXX XXXX and The XXXX Law Firm XXXX, XXXX XXXX, law firms with low standards of professionalism, include the unlawful and illegal tactics of submitting counterfeit notes as evidence, recording fraudulent assignments with notarized signatures of robo-signers, unjust enrichment through the inflation of the original HELOC amount of {$19000.00} to {$33000.00} from a purchased debt bought as far back as XXXX that Plaintiff TFS probably held for 6 years to create the indebtedness claim and the infliction of stress as homeowners scramble to figure out how to handle this claim from a zombie debt that was long forgotten and they thought was dead. \nXXXX. Then XXXX XXXX submits a report that is labeled as a \" XXXX XXXX '' from the XXXX companies working for the investment banks that process that data. The report is pure hearsay that is not admissible in court but because homeowners and lawyers fail to test the report, they fail to reveal the fact that XXXX XXXX, the \" servicer '' never was party to any transaction that was then enter as data on its own bank accounts, accounting ledgers and books of record. That is why XXXX XXXX never provided any servicing functions, there was never any accounting ledgers kept creating a monthly record that would be reported to the Defendants. None of that happened. And all claims regarding the existence of the loan account receivable ( LAR ), and authority to enforce, administer to collect money for the XXXX are false. That is not an opinion. It is a fact under current law that nobody can legally collect on a debt that does not exist -- - even if the named debtor believes the false claim that the XXXX exists. \nXXXX. XXXX in XXXX by the conspirators was committed with the filing of XXXX case XXXX CH XXXX concealing the aforementioned nefarious tactics and other deceitful practices that the court XXXX signs off on and therefore enjoins the conspiracy. \nXXXX. The fraudulent assignments prepared by XXXX XXXX document service company and robo signed by XXXX of their employees are then recorded in XXXX XXXX recorders offices making the assignments a public record to validate a false claim of transferor/transferee to basically steal unsuspecting homeowners property. Plaintiff TFS has not provided proof of claim to be the holder in due course other than a counterfeit note and XXXX fraudulent assignments. Defendants believe the Plaintiffs DO NOT have lawful Proof of Claim and there is no evidence to the contrary. This is XXXX in commerce, Theft, XXXX, XXXX, and XXXX. \nFRAUD IN CONCEALMENT XXXX. The documents provided in Plaintiff TFSs response that immediately raised a red flag from their rebuttal response to CFPB claim by Representative XXXX, XXXX and XXXX, XXXX XXXX Defendants XXXX XXXX AND XXXX XXXX XXXX as XXXX XXXX The Date And Signers Of The Mortgage And The Note : XXXX. The XXXX XXXX Bank Mortgage clearly shows it was signed by both myself, XXXX XXXX, and my wife, XXXX XXXX, on XX/XX/XXXX, but that is not what happened. My wife XXXX was at her place of employment and not present when I went to the XXXX XXXX Bank on XX/XX/XXXX, to sign the closing documents. My signature was the only signature on the Mortgage XXXX that the notary witnessed me signing and notarized after I signed. \nXXXX. The next document TFS references as the Note is a generic looking document. It has XXXX XXXX XXXX XXXX XXXX XXXX at the top and is dated XX/XX/XXXX, the same date as the Mortgage, but there is no account number and our names ( XXXX & XXXX XXXX ) are not inserted within the first page, nor the body of the XXXX document that contains terms and conditions similar to a Mortgage for different states that dont include Illinois. The suspicious part is, it was pre-drafted with my wife, XXXX XXXX, name and is signed by my wife XXXX XXXX only but not by me, XXXX. I am on the mortgage and was present on the XX/XX/XXXX, date. \nXXXX. This proves that the note was not signed on the same date as the Mortgage XXXX. XXXX XXXX an agent from XXXX XXXX Bank came to her place of employment approximately 2 days after XX/XX/XXXX and had her sign the note and then back date her signature on the Mortgage Contract to the XXXX with no notary present. This is in violation of XXXX XXXX Code XXXX - Penalties for document fraud and is the reason the Consumer Financial Protection Bureau launch lawsuit XXXX. XXXX XXXX XXXX against XXXX Bank successor to XXXX XXXX. \nXXXX. The other red flag is it was endorsed by XXXX XXXX, Vice President of XXXX XXXX XXXX XXXX XXXX with a Pay To The Order of to XXXX Mortgage Resolution on the XX/XX/XXXX date, but XXXX Bank, NA did not merge with XXXX XXXX Bank until XX/XX/XXXX, plus when a Pay To The Order Of. is applied to a financial document the obligator, XXXX XXXX, my wife is being released of that obligation. There is no other date within the XXXX document to reference when the transaction occurred and no-account number attaching to the mortgage account. \nThe XXXX XXXX XXXX XXXX Assignment : XXXX. The XXXX XXXX XXXX XXXX Assignment is a very questionable document because it was prepared by, requested to be recorded by and executed by XXXX XXXX XXXX, Vice President of XXXX Bank and returned to XXXX XXXX, XXXX Mortgage, a division of XXXX Bank, all in-house. Why was XXXX XXXX XXXX XXXX XXXX XXXX, Owner and XXXX XXXX, Co-Founder & Managing XXXX left out of the loop? Did XXXX XXXX XXXX XXXX really participants in the transaction since we never received any notices, acknowledgements or statements from XXXX XXXX XXXX XXXX after the executed assignment on XX/XX/XXXX, and recorded document # XXXX on XX/XX/XXXX, with the XXXX XXXX XXXX of Deeds. \nXXXX. XXXX Bank XXXX XXXX officers XXXX XXXX, Vice President and XXXX XXXX XXXX, XXXX XXXX both need to be contacted to request notarized statements on their participation in this transaction and specifically why a closing for the buying and selling of this account did not include XXXX since it is our property. \nXXXX XXXX Fraudulent Assignments XXXX. The property listed has unlawfully, illegally and immorally been stolen by false designation assignments of Trinity Financial Services , LLC ( TFS ) recorded within the XXXX XXXX Recorder of Deeds Uniform Instrument Recording System, TFS purposely recording fraudulent assignments prepared by XXXX XXXX XXXX XXXX and Robo signed by XXXX XXXX who list herself as Assistant Vice President of Trinity Financial Services , LLC XXXX, Assistant Vice President of XXXX XXXX XXXX XXXX XXXX and Assistant Vice President of XXXX XXXX XXXX an unrelated assignment, when she is actually a seven-year employee of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX \nXXXX. Trinity Financial Services , LLC is in total violation of XXXX XXXX XXXX XXXX - Penalties for document fraud. ( a ) Activities prohibited : It is unlawful for any person or entity knowingly ( XXXX ) to forge, counterfeit, alter, or falsely make any document for the purpose of satisfying a requirement of this chapter or to obtain a benefit under this chapter, ( XXXX ) to use, attempt to use, possess, obtain, accept, or receive or to provide any forged, counterfeit, altered, or falsely made document in order to satisfy any requirement of this chapter or to obtain a benefit under this chapter, XXXX. The concealed fraud of the assignments being imposed upon Defendants that effectually steals the equitable side of the XXXX XXXX along with all assets and properties into the private side of falsifying legal documents, forced to serve pleasures and profits of attorneys and the business of banking. The XXXX XXXX XXXX of Deeds assignments : Doc # : XXXX and Doc # : XXXX prepared by XXXX XXXX XXXX XXXX and Robo signed by XXXX XXXX are fraudulent and therefore non-compliance, yet it is being used as compliance in foreclosure case # XXXX XXXX XXXX, thereby attorneys XXXX XXXX, XXXX # XXXX representing Plaintiff TFS and XXXX XXXX XXXX representing XXXX XXXX XXXX XXXX, XXXX in XXXX XXXX XXXX are complicit in committing fraud upon the court. \nXXXX. The concealment of sophisticated trade processes and procedures hidden behind false assignments and representations of ordinary course are deceptive trade practices of the XXXX XXXX XXXX and violation of equal protection, due process and XXXX XXXX Rights. The XXXX A filing on the Public Record is to give notice that the legitimate owners that created the security as the Secured Party ( ties ) Have Not Abandoned And Will Not Abandon Assets And Properties where Deceptive Trade Practices have been weaponized by con men like XXXX XXXX. \nUNJUST ENRICHMENT Consumer Financial Protection Bureau XXXX United States XXXX XXXX XXXX Bank XXXX. The concealed fraud also includes no disclosure of the XX/XX/XXXX, court entered consent order in the Consumer Financial Protection Bureau XXXX United States XXXX XXXX XXXX Bank ( XXXX. XXXX XXXX XXXX ), an Equal Credit Opportunity Act and Fair Housing Act case that resulted from a joint investigation by the Division and the CFPB for loans originated from XXXX to XXXX. XXXX Bank is the successor in interest to XXXX XXXX Bank. The complaint filed on XX/XX/XXXX, alleged a pattern or practice of discrimination on the basis of race and national origin in residential mortgage lending. The consent order requires XXXX Bank to pay {$35.00} XXXX to African-American and XXXX victims of XXXX XXXX Bank XXXX XXXX conduct. \nXXXX XXXX Code XXXX - RELIEF AVAILABLE XXXX. The XXXX empowers the XXXX to XXXX any appropriate legal or equitable relief including, without limitation, a permanent or temporary injunction, rescission or reformation of contracts, the refund of moneys paid, restitution, disgorgement or compensation for unjust enrichment, monetary relief, and civil money penalties, to prevent and remedy any violation of any provision of law enforced by the XXXX. XXXX XXXX. XXXX. \n( XXXX ) Relief under this section XXXX include, without limitation ( A ) rescission or reformation of contracts ; ( B ) refund of moneys or return of real property ; ( C ) restitution ; ( D ) disgorgement or compensation for unjust enrichment ; ( XXXX ) payment of damages or other monetary relief ; ( F ) public notification regarding the violation, including the costs of notification ; ( G ) limits on the activities or functions of the person ; and ( H ) civil money penalties, as set forth more fully in subsection ( c ). \nLACK OF STANDING TO FORECLOSE XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX no consideration and having shown no intention to be a party to the contract by signing it, neither the mortgage lender nor any third party like XXXX who purchased the mortgage at a later date has any standing to enforce the terms of the mortgage. Therefore, the so-called mortgage contract fails for lack of consideration and is void XXXX. Codified under rule XXXX of the XXXX rules of evidence and clarifies who is and is not competent to testify. Attorney XXXX XXXX of THE XXXX LAW FIRM XXXX is incompetent to testify on behalf of Plaintiff TRINITY FINANCIAL SERVICES , LLC, a lifeless business entity because all Attorney XXXX can offer is hearsay testimony. All corporations are decedents because they are not real. Under Article XXXX, Section XXXX, of the United States XXXX states standing is a threshold issue, and the court judge XXXX is supposed to address that after the subject matter jurisdiction is challenged, because none of these servicing companies foreclosing on loans have standing to come into court and foreclose on any loan, because they do not own the loans. The borrower is the one who owns the security and has all the rights pertaining to the contract because the borrowers signature is the only signature on the document. \nXXXX. XXXX XXXX, Principal of Plaintiff TRINITY FINANCIAL SERVICES , LLC is a representative of the lifeless business entity and therefore not qualified to give firsthand knowledge on behalf of Plaintiff TRINITY FINANCIAL SERVICES , LLC. A perfect example that disqualifies him is The Affidavit of Amounts Due and Owing that carries a notarized signature by Defendant XXXX XXXX filed in case XXXX CH XXXX states, Lender acquired the servicing rights for the Defendants loan effective on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX At the time of this transfer, the Defendants loan was in default. This notarized affidavit statement is contradictory to the fraudulent XXXX XXXX XXXX of Deeds document # XXXX filed XX/XX/XXXX showing the Assignor as XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX XXXX XXXX XXXX and XXXX TRINITY FINANCIAL SERVICES , LLC executed on XX/XX/XXXX, not XX/XX/XXXX. \nXXXX. THE XXXX LAW FIRM XXXX and XXXX XXXX are perpetrating fraud on Defendants by clearly representing Plaintiff TRINITY FINANCIAL SERVICES , LLC, XXXX XXXX XXXX, AFFIANT AND AUTHORIZED REPRESENTATIVE as the owner-in-due-course rather than the servicer for the owner pursuant to the finding in XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX the XXXX of XXXX XXXX mortgages as merely a servicer, when it had no legal ground for such an action. Plaintiff TRINITY FINANCIAL SERVICES , LLC, XXXX XXXX XXXX, AFFIANT AND AUTHORIZED REPRESENTATIVE are servicers and therefore proof of legal standing for foreclosure needs to be proven by THE XXXX LAW FIRM XXXX and XXXX XXXX and without valid proof the foreclosure case should be dismissed, and the sheriffs deed should be quieted. I believe TRINITY FINANCIAL SERVICES , LLC, XXXX XXXX XXXX DO NOT have lawful Proof of Claim and there is no evidence to the contrary. This is XXXX in commerce, Theft, XXXX, XXXX, and XXXX. \nXXXX. Not only does Attorney XXXX XXXX and THE XXXX LAW FIRM XXXX lack standing to foreclose on the subject property because XXXX XXXX does not own the loan, they held absolutely no authority to order the judicial sale of XXXX XXXX XXXX XXXX, despite the Judgement that Defendants never received, by Co-Conspirators XXXX XXXX, XXXX AND XXXX XXXX XXXX and XXXX XXXX XXXX, SENIOR VICE PRESIDENT of THE JUDICIAL SALES CORPORATION their agents scheduled on XX/XX/XXXX at XXXX a.m. Defendants are personally liable for the theft of Defendants property. \nXXXX. Defendants have stated in the opening paragraph, they are before this court by special appearance, without waiving any rights, defenses, statutory or procedural at the top of this pleading, to avoid waving jurisdiction. \nINFLICTION OF STRESS XXXX. XXXX and XXXX XXXX owed a duty to use reasonable care in their conduct regarding the health, safety, and rights of building inhabitants. It was foreseeable and probable that me and my family would suffer harm and/or severe emotional distress from XXXX and XXXX XXXX acts, omission, and unlawful misconduct. XXXX and XXXX XXXX owed a duty to this foreseeable family to not cause them harm and/or emotional distress, injuries of which should have been foreseeable. Defendants acted intentionally and/or recklessly with utter disregard for the resultant trauma and/or other harm that could or was to befall and/or was suffered by me and my family. XXXX and XXXX XXXX acts, omissions, and unlawful misconduct were done with reckless disregard to the safety and wellbeing of me and my family. \nXXXX. This conduct was atrocious and transcended all bounds of decency, such that this conduct would be utterly intolerable in a civilized society Plaintiff and Third-Party Co-Conspirators acted individually and collectively, and intentionally and/or recklessly in employing, affiliating, and/or encouraging and promoting Plaintiff XXXX XXXX SERVICES and other Third-Party XXXX XXXX At all relevant times, Plaintiff and Third-Party Co-Conspirators, TRINITY FINANCIAL SERVICES , LLC XXXX XXXX XXXX XXXX XXXX THE XXXX LAW FIRM XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX VICE PRESIDENT of THE JUDICIAL SALES XXXX and XXXX herein Co-Conspirators were acting in the course and scope of their employ and/or in furtherance of a common purpose, whether actual or apparent, with Third-Party Co-Conspirators, to protect Plaintiff TRINITY FINANCIAL SERVICES, other herein XXXX XXXX XXXX and the XXXX XXXX SERVICES retail brand. My family has a lawful right to the home that has been in my family close to 18 years and we have a right to the remedy of being left alone. \nXXXX of XXXX : XXXX by XXXX does not change ownership XXXX. This means the original conveyance showing XXXX XXXX represented by XXXX, XXXX as XXXX is still the owner because the property was never conveyed from XXXX XXXX and his wifes ownership. XXXX XXXX and XXXX XXXX, the original owners, remain the owners of the property since ownership can not be conveyed using a counterfeit note on a charged off dead debt, recording fraudulent assignments with notarized signatures of a robo signer by a greedy junk debt buyer XXXX XXXX, Principal of Plaintiff TRINITY FINANCIAL SERVICES , LLC. \nXXXX. XXXX XXXX and XXXX XXXX are still the owners of the subject property, received no consideration and therefore have no obligation to Plaintiff, TRINITY FINANCIAL SERVICES , LLC, or XXXX XXXX XXXX, or THE XXXX LAW FIRM XXXX, or XXXX XXXX. \nJUDICIAL NOTICE XXXX. DEFENDANT XXXX XXXX represented by XXXX, XXXX instructs the Clerk of the XXXX XXXX XXXX XXXX XXXX XXXX to notate the case record of the appointment of XXXX Judge as Trustee to clear up the issue of Fraudulent Conveyance and the issue of Lack of Standing that are glaring constitutional violations. \nXXXX. The XXXX XXXX is no longer vacant because, as XXXX, I am appointing myself as the executor of the estate. I am claiming the office of the special occupant of the legal estate. And I am making you the trustee by the XXXX of XXXX XXXX of XXXX. And as Executor I, XXXX, XXXX, as representative for the Defendant appoints the XXXX Judge as trustee in a limited capacity to inform opposing Attorney XXXX to stand down, vacate the judgment and dismiss the case with prejudice. \nPursuant to Title XXXX XXXX Code XXXX - Penalties for document fraud ( C ) Issuance of orders : If the administrative law judge determines, upon the preponderance of the evidence received, that a person or entity has violated subsection ( a ), the administrative law judge shall state his findings of fact and issue and cause to be served on such person or entity an order described in paragraph ( XXXX ). \n( XXXX ) Cease and desist order with civil money penalty - With respect to a violation of subsection ( a ), the order under this subsection shall require the person or entity to cease and desist from such violations and to pay a civil penalty in an amount of ( B ) in the case of a person or entity previously subject to an order under this paragraph, not less than {$2000.00} and not more than {$5000.00} for each document that is the subject of a violation under subsection ( a ). This includes the TFS lawsuit filed XX/XX/XXXX, the use of XXXX XXXX XXXX Bank Mortgage XXXX and Note dated XX/XX/XXXX, the fraudulent {$33000.00} Due and Owing Affidavit, both XXXX Mortgage Resolution, XXXX and TFS assignments and the XXXX DENSMORE AVE. XXXX, XXXX illegal sales deed that needs to be quieted. \nXXXX. Since XXXX, XXXX, as representative for the DEFENDANT is Executor and knows the Performance Bond being used to fund this proceeding is in XXXX XXXX & XXXX XXXX, and therefore subrogation of the case contract needs to be corrected to reflect the removal of The XXXX Law Firm and XXXX XXXX as beneficiaries merging the public and the private sides of the record, XXXX the quieting of the XXXX DENSMORE AVE. XXXX, XXXX illegal conveyance to XXXX XXXX XXXX XXXX and dismissal of this case with prejudice. \nXXXX. The XXXX XXXX being the highest office represented in this notice, has pointed out the mistake the court has made and is offering the chance to correct the record and the appointed XXXX XXXX first task is to immediately dismiss this case with prejudice, and that all damages will be prepared and submitted in a fee schedule statement for all the damages incurred from this gross XXXX of justice. The Rights of XXXX under XXXX XXXX XXXX XXXX provides that restitution and reimbursement is granted to me as a remedial right to which an aggrieved party is entitled from this tribunal, because I am the owner, heir and beneficiary of the estate. \nXXXX XXXX XXXX non XXXX, No one can give that which he does not have I affirm that the foregoing is fact-based true and correct, and I have not perjured myself with this drafted Section XXXX Petition To Vacate Judgment entered XX/XX/XXXX in support of separately filed Witness Testimony In The Form Of An Affidavit Of Truth ( see XXXX XXXX. XXXX ; XXXX XXXX. XXXX ).","date_sent_to_company":"2024-11-08T14:27:43.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Mortgage debt","zip_code":"34609","tags":"Servicemember","has_narrative":true,"complaint_id":"10648310","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Caneel Capital, LLC","date_received":"2024-11-01T00:41:22.000Z","state":"FL","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["The XXXX XXXX XXXX of Deeds assignments : Doc # : XXXX and Doc # : XXXX prepared by XXXX XXXX XXXX XXXX and Robo signed by XXXX XXXX are fraudulent and therefore non-<em>compliance</em>, yet it is being used as <em>compliance</em> in foreclosure case # XXXX XXXX XXXX, thereby attorneys XXXX XXXX, XXXX # XXXX representing Plaintiff TFS and XXXX XXXX XXXX representing XXXX XXXX XXXX XXXX, XXXX in XXXX XXXX XXXX are complicit in committing fraud upon the court. \nXXXX."],"sub_product":["<em>Mortgage</em> debt"]},"sort":[6.714731,"10648310"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":6,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":6}]}},"product":{"doc_count":6,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional adjustable mortgage (ARM)","doc_count":2},{"key":"Conventional home mortgage","doc_count":1},{"key":"Home equity loan or line of credit (HELOC)","doc_count":1},{"key":"Reverse mortgage","doc_count":1}]}},{"key":"Debt collection","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage debt","doc_count":1}]}}]}},"issue":{"doc_count":6,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan modification,collection,foreclosure","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing on a mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closing disclosure or other related disclosures","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Took or threatened to take negative or legal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Seized or attempted to seize your property","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lien release","doc_count":1}]}}]}},"timely":{"doc_count":6,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":5},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":6,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":5},{"key":"Closed with non-monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":6,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":6}]}},"company":{"doc_count":6,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Aldridge Pite, LLP","doc_count":1},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":1},{"key":"Caneel Capital, LLC","doc_count":1},{"key":"JPMORGAN CHASE & CO.","doc_count":1},{"key":"NATIONSTAR MORTGAGE LLC","doc_count":1},{"key":"Shellpoint Partners, LLC","doc_count":1}]}},"state":{"doc_count":6,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":3},{"key":"NV","doc_count":1},{"key":"SC","doc_count":1},{"key":"VA","doc_count":1}]}},"company_public_response":{"doc_count":6,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":2},{"key":"Company chooses not to provide a public response","doc_count":1}]}},"tags":{"doc_count":6,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}