{"took":200,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":16,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5405309","_score":26.553802,"_source":{"product":"Mortgage","complaint_what_happened":"In my divorce proceeding my ex-husband was awarded the property granted he was able remove me from the loan. I was required by Freedom Mortgage to provide a quit claim deed before they would begin the process. XX/XX/XXXX a Quit Claim was filed wit XXXX XXXX Recorders. From the months of XXXX and XXXX Freedom Mortgage provided Promissory Note documents with errors five times to my ex-husband XXXX XXXX reportedly five times. Finally end of XXXX documents were approved. I was required to provide 2 separate notaries for the initial quit claim deed as there were error on the notary document provided by Freedom Mortgage. XX/XX/XXXX The Veteran 's Administration release me from the loan, documentation was provided to Freedom Mortgage on XX/XX/XXXX. Once the Promissory Note was approved the Assumption documents were prepared. Again requiring several attempts to provide XXXX with correct documents. XX/XX/XXXX both XXXX and I signed separately, the Assumption documents with a Notary and returned overnight to Freedom Mortgage. Freedom Mortgage notarized the documents on XX/XX/XXXX. I spoke with XXXX in the Assumption department who confirmed I was removed from the loan and proceeded to remove my access to the Freedom Mortgage loan portal stating I was not longer on the loan. As of today XX/XX/XXXX I am still legally responsible for this loan per XXXX, XXXX and XXXX. All have denied my disputes, I have spoken to Freedom Mortgage weekly since XXXX of XXXX. I have filed a minimum of 4 escalation complaints and currently working with manager XXXX XXXX and have file 3 escalation complaints with her. All conversations have been recorded by Freedom Mortgage as well as emails via the customer portal providing documentation in a timely manner. I have spent {XXXX} in legal fees due to this situation trying to protect myself due to false information and inaccurate information from customer service, had to fly from North Dakota to XXXX California to appear in court over the matter of the quit clam deed and loss of ownership of property prior to being released form legal financial responsibility. As well as time off work and the emotional stress and anguish. My credit has been held captive by Freedom Mortgage.as of today, XX/XX/XXXX I have confirmed via online service and phone call with XXXX at XXXX that no documents, no Assumption, Promissory Note have been received at the XXXX XXXX Recorder office to remove me from financial responsibility. Also XXXX and again XXXX Freedom Mortgage reported negatively on my credit even while protected under COVID Forbearance.","date_sent_to_company":"2022-04-04T20:15:33.000Z","issue":"Closing on a mortgage","sub_product":"VA mortgage","zip_code":"582XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5405309","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2022-04-04T19:27:09.000Z","state":"ND","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["All <em>have</em> denied my <em>disputes</em>, I <em>have</em> spoken to <em>Freedom</em> <em>Mortgage</em> weekly since XXXX of XXXX. I <em>have</em> filed a minimum of 4 escalation complaints and currently working with manager XXXX XXXX and <em>have</em> file 3 escalation complaints with her. All conversations <em>have</em> <em>been</em> recorded by <em>Freedom</em> <em>Mortgage</em> as well as emails via the customer portal <em>providing</em> documentation in a timely manner."],"product":["<em>Mortgage</em>"],"issue":["Closing on a <em>mortgage</em>"],"company":["<em>Freedom</em> <em>Mortgage</em> Company"],"sub_product":["VA <em>mortgage</em>"]},"sort":[26.553802,"5405309"]},{"_index":"complaint-public-v1","_id":"19041001","_score":25.470774,"_source":{"product":"Mortgage","complaint_what_happened":"I am submitting this complaint regarding a 30-day late payment reported for XX/XX/year> on my Freedom Mortgage account. \n\nI was enrolled in automatic payments. A payment was submitted and subsequently returned by my depository institution, and the credit for that payment was reversed on XX/XX/year>. \n\nI am not disputing that the payment was returned. However, I am disputing whether the handling, timing, and reporting of the payment reversal accurately reflect the account status for credit reporting purposes. \n\nFreedom Mortgage has stated that a document notifying me of the returned autopayment was sent. I never saw this document, and there is no record of it on the Freedom Mortgage portal. Freedom Mortgage also stated they attempted to reach me by phone twice ; the calls I did not answer appeared as spam on my phone, and no voicemail or other notifications were left. I also did not receive any mailed notices prior to the late reporting. Notices only appeared after the late payment had already been reported. I am providing this information as context for why I was unaware of the payment reversal until after credit reporting occurred. \n\nThis was my first late payment ever, and the account was otherwise maintained in good standing. I am requesting that Freedom Mortgage conduct a compliance-level review of the processes surrounding the XX/XX/year> automatic payment, including the timing of the payment reversal, notice, and delinquency reporting. While the payment was returned and the delinquency was reported accurately, I am requesting that Freedom Mortgage review whether communications and notifications were sufficient and in compliance with applicable procedures, to prevent similar issues in the future. \n\nI note that Freedom Mortgage has previously received multiple consumer complaints and regulatory enforcement actions, including CFPB investigations, which highlights that procedural issues with account communications and reporting have occurred in other cases as well. This context reinforces the need for a thorough compliance-level review in my situation.","date_sent_to_company":"2026-01-27T17:16:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"VA mortgage","zip_code":"20148","tags":"Servicemember","has_narrative":true,"complaint_id":"19041001","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2026-01-27T17:07:03.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["However, I am <em>disputing</em> whether the handling, timing, and reporting of the payment reversal accurately reflect the account status for credit reporting purposes. \n\n<em>Freedom</em> <em>Mortgage</em> has stated that a <em>document</em> notifying me of the returned autopayment was sent. I never saw this <em>document</em>, and there is no record of it on the <em>Freedom</em> <em>Mortgage</em> portal."],"product":["<em>Mortgage</em>"],"company":["<em>Freedom</em> <em>Mortgage</em> Company"],"sub_product":["VA <em>mortgage</em>"],"sub_issue":["Problem with personal statement of <em>dispute</em>"]},"sort":[25.470774,"19041001"]},{"_index":"complaint-public-v1","_id":"13285907","_score":24.752777,"_source":{"product":"Mortgage","complaint_what_happened":"I am a veteran and homeowner with a mortgage serviced by Freedom Mortgage. My issue involves improper handling of my escrow account. On XX/XX/2025, I discovered that my monthly mortgage payment had increased dramatically, from {$2600.00} to {$3600.00}, effective XX/XX/2025. The document titled XXXX Payment reflects this increased amount for the XXXX payment year. \n\nUpon review, I found that Freedom Mortgage had incorrectly added forced-placed home insurance to my escrow for the XXXX period, resulting in a significant and unjustified shortage. The document \" XXXX Payment '' demonstrates : The correct XXXX monthly mortgage amount of {$2600.00}. \n\nAn erroneous forced insurance charge of {$3800.00}. \n\nI contacted Freedom Mortgage on XX/XX/2025 to dispute both the escrow shortage and the forced insurance charge. I submitted valid proof of coverage through XXXX, including : Homeowners Insurance XXXX showing an active policy for {$1300.00}. \n\nXXXXXXXX XXXX XXXX XXXXent confirming the XXXX premium had been paid in full and carried a {$0.00} balance. \n\nEscrow Payment and Analysis, which lists the correct XXXX premium, yet still includes the erroneous {$3800.00} forced insurance and reflects the inflated monthly payment. \n\nThese documents confirm that : Freedom Mortgage was fully aware of my existing and valid insurance policy. \n\nThe forced insurance was added in error and without cause. \n\nMy escrow analysis and subsequent payment increase are based on false data. \n\nDespite providing this documentation, I have not received a satisfactory explanation or any written acknowledgment from Freedom Mortgage. The issue appears to have been dismissed without proper escalation or resolution. \n\nThis error has caused a significant financial burden, increasing my monthly mortgage by nearly {$1000.00}, which is unsustainableespecially as a veteran on a fixed income. Moreover, this issue occurred while I was deployed overseas, which adds to the gravity and inappropriateness of the company 's actions. This experience has deeply eroded my trust in Freedom Mortgage. For a company that brands itself around the concept of freedom, it is disheartening to be treated in this wayparticularly while serving my country abroad. \n\nI respectfully demand the following corrective actions : Full reimbursement of the erroneous forced insurance charge of {$3800.00}. \n\nRecalculation of my escrow shortage, excluding the invalid insurance amount. \n\nRecalculation of my monthly escrow payments based on corrected figures. \n\nAdjustment of my total monthly mortgage payment to reflect accurate amounts. \n\nA written apology from Freedom Mortgage, mailed to an address of my choosing and emailed. \n\nA clear plan of action with a timeline from Freedom Mortgage explaining how they intend to resolve this issue.","date_sent_to_company":"2025-05-02T01:55:10.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"782XX","tags":"Servicemember","has_narrative":true,"complaint_id":"13285907","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2025-05-02T01:11:15.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["Despite <em>providing</em> this documentation, I <em>have</em> not received a satisfactory explanation or any written acknowledgment from <em>Freedom</em> <em>Mortgage</em>. The issue appears to <em>have</em> <em>been</em> dismissed without proper escalation or resolution. \n\nThis error has caused a significant financial burden, increasing my monthly <em>mortgage</em> by nearly {$1000.00}, which is unsustainableespecially as a veteran on a fixed income."],"product":["<em>Mortgage</em>"],"company":["<em>Freedom</em> <em>Mortgage</em> Company"],"sub_product":["VA <em>mortgage</em>"]},"sort":[24.752777,"13285907"]},{"_index":"complaint-public-v1","_id":"15211820","_score":23.159458,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/XXXX, I sent a formal FDCPA Debt Validation Demand Letter and a Qualified Written Request ( QWR ) under RESPA to Freedom Mortgage Corporation, disputing the alleged debt in its entirety and requesting full documentation, including : original wet-ink promissory note with all endorsements and allonges ; full chain of title and assignments ; all MERS registration records ; complete account/payment history ; securitization details ; and evidence of lawful standing to collect or foreclose. This request was sent via USPS Certified Mail and was received by the company on XX/XX/XXXX. \n\nDespite this lawful and timely dispute, Freedom Mortgage failed to provide the required debt validation or complete QWR responses before continuing collection activity. On XX/XX/XXXX, foreclosure counsel XXXX, XXXX XXXX XXXX, XXXX filed a foreclosure lawsuit in XXXX XXXX, FL and recorded a Lis Pendens without first providing validation, in violation of 15 U.S.C. 1692g ( b ), 12 U.S.C. 2605, and 12 C.F.R. 1024.35 & 1024.36.\n\nI have made multiple written disputes and QWRs to Freedom Mortgage since they became the servicer in XX/XX/XXXX. Responses have been incomplete, missing critical documents, and noncompliant with federal law. I also have pending federal FOIA requests to HUD, XXXX XXXX, and the U.S. Treasury regarding the loans securitization and FHA insurance. \n\nI am requesting that Freedom Mortgage immediately cease all foreclosure and collection activity until full debt validation is provided, remove or retract the recorded XXXX XXXX, correct any negative credit reporting related to the alleged debt, and take no further action while federal FOIA requests remain pending.","date_sent_to_company":"2025-08-11T16:51:03.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"33541","tags":null,"has_narrative":true,"complaint_id":"15211820","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2025-08-11T16:19:16.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["I <em>have</em> made multiple written <em>disputes</em> and QWRs to <em>Freedom</em> <em>Mortgage</em> since they became the servicer in XX/XX/XXXX. Responses <em>have</em> <em>been</em> incomplete, missing critical <em>documents</em>, and noncompliant with federal law. I also <em>have</em> pending federal FOIA requests to HUD, XXXX XXXX, and the U.S. Treasury regarding the loans securitization and FHA insurance."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"company":["<em>Freedom</em> <em>Mortgage</em> Company"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[23.159458,"15211820"]},{"_index":"complaint-public-v1","_id":"2054503","_score":23.083961,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX, XXXX my mortgage ( including escrow ) increased by {$350.00} a month primarily due to my taxes increasing due to an {$8000.00} energy loan I made to repair damages to my property for an insured flood loss I suffered in XXXX XXXX. I applied for a loan modification to my mortgage company and while in processing in excess of 2 months, they sold my mortgage to Freedom Mortgage and I commenced the process over again with them. Finally they offered my a modification that only decreased my payment by {$180.00}. This low amount does n't really help me. I am a XXXX year old XXXX unable to get employment, living on social security retirement a couple of small pensions. I have a \" special needs '' XXXX daughter who is now XXXX yrs old. As a result of unexpected expenses my credit card debt balloned to {$46000.00}. I did credit counselling and entered into a debt repayment plan to pay off my credit cards ( now closed ) over a 6 year period inorder to save on excessive interest payments although I am paying off the entire debt, but at a lower rate of interest. \nAs my financial hardship was not alleviated by the modification and my debt repayment program, I counseled with HUD who told me I should apply to KYHC. I did and after a very long processing period with many documents provided, they just approved a principal mortgage loan reduction XXXX XXXX ( although they would not provide me the details ) and sent it to Freedom Mortgage for their acceptance which they said would take approx 3 weeks. Then KYHC called me back the same day ( yesterday ) after I made the inquiry and I was advised that Freedom Mortgage denied to accept their principal reduction plan because I am in a 3 month trial modification. This of course both parties were always aware of from the beginning of this frustrating process. I can not accept that Freedom Mortgage will not accept the KYHC assistance is offering me. I am desparately trying to hold onto our home as I simply ca n't be homeless with a XXXX year old to take care of and I ca n't afford to pay what the rental market requires if we lose our home. KYHC advised me today that they will close my file without even allowing me the opportunity to dispute Freedom Mortgage 's decision. I was lead to believe that KYHC was a federal program to help home owners save their homes. Both entities have put me through so much over many months to now end up with this unsatisfactory result. If the lender now has the option to deny the aid I have been offered, what is the point of putting someone through all of this when they are already suffering a hardship. Please help me get Freedom to comply. I am not providing documents as KYHC has approx XXXX documents as does Freedom Mortgage Thank you. \nRespectfully yours.","date_sent_to_company":"2016-08-11T13:18:11.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional fixed mortgage","zip_code":"92253","tags":"Older American","has_narrative":true,"complaint_id":"2054503","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2016-08-09T09:39:15.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Both entities <em>have</em> put me through so much over many months to now end up with this unsatisfactory result. If the lender now has the option to deny the aid I <em>have</em> <em>been</em> offered, what is the point of putting someone through all of this when they are already suffering a hardship. Please help me get <em>Freedom</em> to comply. I am not <em>providing</em> <em>documents</em> as KYHC has approx XXXX <em>documents</em> as does <em>Freedom</em> <em>Mortgage</em> Thank you. \nRespectfully yours."],"product":["<em>Mortgage</em>"],"company":["<em>Freedom</em> <em>Mortgage</em> Company"],"sub_product":["Conventional fixed <em>mortgage</em>"]},"sort":[23.083961,"2054503"]},{"_index":"complaint-public-v1","_id":"18336570","_score":23.011812,"_source":{"product":"Mortgage","complaint_what_happened":"I am filing this complaint regarding serious violations of federal consumer protection statutes by Freedom Mortgage Corporation in connection with their servicing of my mortgage loan and their filing of a foreclosure action despite lacking standing and despite failing to comply with federal law. \nLOAN INFORMATION Property Address : [ Insert your property address ] Loan Number : XXXX Original Lender XXXX XXXX XXXX XXXX XXXX \nOriginal Loan Date : XX/XX/XXXXXXXX  Current Servicer : Freedom Mortgage Corporation Foreclosure Case : Case No. XXXX, Eleventh XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX OF XXXX Freedom Mortgage Corporation has violated the Real Estate Settlement Procedures Act, the Truth in Lending Act, and the Fair Debt Collection Practices Act. Despite my repeated demands for information and compliance with federal law, Freedom Mortgage has refused to respond. Freedom Mortgage has filed a foreclosure action claiming to own my mortgage note, but the evidence shows Freedom Mortgage transferred the note to a third party via a blank endorsement marked \" without recourse. '' When I demanded proof of ownership and standing to foreclose, Freedom Mortgage went silent. Freedom Mortgage is attempting to foreclose on my home without proving they have the legal right to do so and without complying with federal consumer protection statutes. \nRESPA VIOLATIONS- 12 U.S.C. 2605 On XX/XX/XXXX, I sent Freedom Mortgage a Qualified Written Request pursuant to 12 U.S.C. section 2605 ( e ). I sent this QWR via certified mail to Freedom Mortgage 's servicing address. The QWR was delivered on XX/XX/XXXX, as confirmed by USPS tracking number [ insert tracking number ]. \nMy QWR requested the following information : Complete payment history and accounting showing all payments received, dates, amounts, and how each payment was applied to principal, interest, escrow, fees, and charges Proof that Freedom Mortgage owns the promissory note or has been authorized by the current owner to service the loan and pursue foreclosure Explanation of the blank endorsement \" without recourse '' that appears on the promissory note, including when it was executed, to whom the note was transferred, and who currently owns the note Complete chain of title documentation showing all transfers of the note from XXXX XXXX at origination through the present Evidence of compliance with all applicable federal disclosure requirements including TILA section 1641 notice requirements Responses to all previous inquiries I had sent Under 12 U.S.C. section 2605 ( e ) ( 1 ) ( A ), servicers must acknowledge receipt of a qualified written request within five business days. Freedom Mortgage failed to acknowledge my QWR. \nUnder 12 U.S.C. section 2605 ( e ) ( 2 ), servicers must provide a substantive written response within thirty days, either providing the requested information, conducting an investigation and providing results, or explaining why the information is unavailable. Freedom Mortgage has now failed to respond for more than forty days.\n\nUnder 12 U.S.C. section 2605 ( e ) ( 3 ), servicers are prohibited from providing information to consumer reporting agencies regarding any overdue payment related to a period covered by the borrower 's qualified written request until the servicer has complied with the requirements of this section. I do not know whether Freedom Mortgage has complied with this prohibition.\n\nUnder 12 U.S.C. section 2605 ( f ), these violations entitle me to actual damages, statutory damages up to {$2000.00}, costs, and attorney 's fees. Freedom Mortgage 's refusal to respond to my QWR is a clear violation of federal law.\n\nTILA VIOLATIONS- 15 U.S.C. 1641 Freedom Mortgage has violated the Truth in Lending Act by failing to provide required notices regarding the transfer or sale of my mortgage loan.\n\nUnder 15 U.S.C. section 1641 ( f ) ( 2 ), when a mortgage loan is sold or otherwise transferred, the new creditor must provide the borrower with written notice of the transfer no later than 30 days after the date the new creditor acquires ownership. The notice must include specific information about the new creditor, the outstanding balance, the interest rate, and the effective date of the transfer.\n\nI have never received any written notice from XXXX XXXX XXXX, Freedom Mortgage Corporation, or any other entity regarding the sale or transfer of my mortgage loan from XXXX XXXX to Freedom Mortgage. I received a letter from XXXX XXXX on XX/XX/XXXX, stating that \" the SERVICING of your mortgage transfers from XXXX XXXX XXXXXXXX XXXX XXXXXXXX Freedom Mortgage Corporation '' effective XX/XX/XXXX. This letter described a servicing transfer, not an ownership transfer. No notice was provided regarding ownership transfer as required by TILA section 1641 ( f ) ( 2 ). \nAdditionally, the promissory note attached to Freedom Mortgage 's foreclosure complaint shows that Freedom Mortgage endorsed the note in blank with the notation \" without recourse. '' This endorsement suggests that Freedom Mortgage subsequently sold or transferred the note to a third party. If such a transfer occurred, no notice was provided to me as required by TILA section 1641 ( f ) ( 2 ).\n\nUnder 15 U.S.C. section 1641 ( g ), servicers must provide borrowers with periodic statements for each billing cycle. These statements must include specific information about amounts due, principal and interest breakdown, fees and charges, and other required disclosures. Freedom Mortgage has not provided proper periodic statements as required by this statute.\n\nThese TILA violations are not technical or harmless. The failure to provide transfer notices has left me without clear information about who owns my loan, creating confusion about who the proper creditor is and to whom payment should be made. This directly impacts Freedom Mortgage 's ability to establish standing to foreclose. \nFDCPA VIOLATIONS- 15 U.S.C. 1692 On XX/XX/XXXX, I sent Freedom Mortgage a debt validation demand pursuant to 15 U.S.C. section 1692g. I sent this demand via certified mail to Freedom Mortgage 's servicing address. The demand was delivered on XX/XX/XXXX, as confirmed by USPS tracking number [ insert tracking number ]. \nMy validation demand disputed the debt and requested that Freedom Mortgage provide : Verification that Freedom Mortgage owns the debt or has been authorized to collect it Proof of the amount claimed to be due with complete accounting Documentation establishing Freedom Mortgage 's authority to collect this debt Under 15 U.S.C. section 1692g ( b ), if a consumer notifies a debt collector in writing within thirty days that the debt is disputed, the debt collector must cease collection of the debt until the debt collector obtains verification of the debt and provides such verification to the consumer.\n\nInstead of ceasing collection activities and providing validation, Freedom Mortgage filed a foreclosure action on XX/XX/XXXX, one day after receiving my validation demand. This foreclosure filing constitutes continued collection activity in violation of FDCPA section 1692g ( b ). \nFreedom Mortgage has not provided any debt validation. Freedom Mortgage has not verified that it owns the debt or has authority to collect it. Freedom Mortgage has continued collection through foreclosure proceedings in direct violation of the FDCPA. \nUnder 15 U.S.C. section 1692k, these violations entitle me to actual damages, statutory damages up to {$1000.00}, costs, and attorney 's fees. \nSTANDING ISSUE - EVIDENCE THAT FREEDOM MORTGAGE DOES NOT OWN THE NOTE The foreclosure action filed by Freedom Mortgage raises serious questions about whether Freedom Mortgage has standing to foreclose. The promissory note attached to the foreclosure complaint contains an endorsement in blank by Freedom Mortgage Corporation, signed by XXXX XXXX and marked \" without recourse. '' According to Freedom Mortgage 's official Florida corporate records filed with the Florida Department of State, Division of Corporations ( Document Number XXXX ), XXXX XXXX is the duly appointed Corporate Secretary of Freedom Mortgage Corporation. This means the blank endorsement was an authorized corporate act, not a clerical error or unauthorized signature. \nUnder the Uniform Commercial Code Article 3, section 205, a blank endorsement converts a promissory note into a bearer instrument and transfers ownership through delivery. The phrase \" without recourse '' indicates that the endorser is disclaiming liability to subsequent holders, which is standard language used when selling a promissory note to a third party.\n\nThis endorsement evidence suggests that Freedom Mortgage transferred my note to a third party and no longer owns it. Yet Freedom Mortgage filed a foreclosure action claiming to own the note. When I demanded that Freedom Mortgage explain this endorsement and prove current ownership, Freedom Mortgage refused to respond. \nXXXX XXXX XXXX letter to me dated XX/XX/XXXX, stated that \" the SERVICING of your mortgage transfers from XXXX XXXXXXXX XXXX XXXX XXXX Freedom Mortgage Corporation. '' This letter explicitly stated that only servicing transferred, not ownership. This contradicts Freedom Mortgage 's claim in the foreclosure complaint to be the owner of the note. \nThe Assignment of Mortgage from XXXX XXXX to Freedom Mortgage was not recorded until XX/XX/XXXX, more than six weeks after the alleged servicing transfer date of XX/XX/XXXX. This unexplained delay raises additional questions about when and how Freedom Mortgage allegedly acquired any rights to this loan. \nOn XX/XX/XXXX, Freedom Mortgage filed a Certificate of Possession of Original Promissory Note. However, this certificate only claims that Freedom Mortgage has physical possession of the note. It does not claim that Freedom Mortgage owns the note or has authority to enforce it. Possession without ownership does not establish standing to foreclose. \nWhen I demanded that Freedom Mortgage explain the blank endorsement, identify the current owner of the note, and prove authorization to foreclose if Freedom Mortgage is not the owner, Freedom Mortgage provided no response. \nMY ATTEMPTS TO RESOLVE THIS MATTER I have made repeated good-faith attempts to resolve these issues with Freedom Mortgage by sending statutory demands for information and compliance : XX/XX/XXXXXXXX  : Sent Qualified Written Request under RESPA and demand for accounting under UCC section 9-210. Delivered XX/XX/XXXX. No response received. \nXX/XX/XXXXXXXX  : Sent debt validation demand under FDCPA. Delivered XX/XX/XXXX. No response received. Freedom Mortgage filed foreclosure XXXX day later instead of providing validation. \nXX/XX/XXXX : Sent comprehensive demand letter to Freedom Mortgage 's registered agent, corporate office, and foreclosure attorneys, demanding withdrawal of foreclosure action and compliance with federal statutes. Gave seven-day deadline for response. [ Status : recently mailed, awaiting response ] Freedom Mortgage has ignored every attempt I have made to obtain information, verify the debt, and understand who owns my loan. This pattern of non-response suggests Freedom Mortgage can not answer these questions because they do not own the note and lack standing to foreclose.","date_sent_to_company":"2025-12-29T08:50:18.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"18336570","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2025-12-29T08:15:29.000Z","state":"FL","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["My validation demand <em>disputed</em> the debt and requested that <em>Freedom</em> <em>Mortgage</em> provide : Verification that <em>Freedom</em> <em>Mortgage</em> owns the debt or has <em>been</em> authorized to collect it Proof of the amount claimed to be due with complete accounting Documentation establishing <em>Freedom</em> <em>Mortgage</em> 's authority to collect this debt Under 15 U.S.C. section 1692g ( b ), if a consumer notifies a debt collector in writing within thirty days that the debt is <em>disputed</em>, the debt collector must cease collection of the debt until"],"product":["<em>Mortgage</em>"],"company":["<em>Freedom</em> <em>Mortgage</em> Company"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[23.011812,"18336570"]},{"_index":"complaint-public-v1","_id":"18369843","_score":22.750418,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX and I ( XXXX XXXX ) are joint borrowers on a mortgage serviced by Freedom Mortgage Corporation. We are submitting this complaint regarding inaccurate credit reporting related to our XX/XX/year> mortgage payment, which has been reported as a XXXX-day delinquency. \n\nWe initiated the XX/XX/year> payment on time through our banks online bill-pay system ( XXXX  ). XXXX provided written confirmation that the payment was properly scheduled and initiated and that the payment was later returned by the bank after the scheduled delivery date. \n\nCritically, we were never notified by XXXX  via phone, email, or account alert that the payment had been returned. As a result, we were deprived of any opportunity to correct the issue before a XXXX delinquency was reported to the credit bureaus. \n\nDespite providing documentation showing an on-time payment attempt and a lack of notification, Freedom Mortgage verified the late payment during a credit bureau dispute rather than correcting or suppressing the late mark as a goodwill or accuracy adjustment. \n\nWe believe this reporting is incomplete and misleading, as it fails to reflect : - A documented on-time payment attempt, - A bank-returned transaction after initiation, - The absence of any notification that would have allowed timely remediation. \nWe are requesting that Freedom Mortgage : - Review this matter through its executive or compliance resolution team, - Correct or suppress the XX/XX/year> late payment to reflect paid as agreed or remove the late designation, and - Update all applicable credit bureaus accordingly. \n\nThis late payment has caused measurable credit harm despite our good-faith effort to meet our mortgage obligation on time. We are seeking a fair and accurate resolution consistent with FCRA accuracy standards.","date_sent_to_company":"2025-12-30T15:27:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Conventional home mortgage","zip_code":"60443","tags":null,"has_narrative":true,"complaint_id":"18369843","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2025-12-30T15:00:23.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Despite <em>providing</em> documentation showing an on-time payment attempt and a lack of notification, <em>Freedom</em> <em>Mortgage</em> verified the late payment during a credit bureau <em>dispute</em> rather than correcting or suppressing the late mark as a goodwill or accuracy adjustment."],"product":["<em>Mortgage</em>"],"company":["<em>Freedom</em> <em>Mortgage</em> Company"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[22.750418,"18369843"]},{"_index":"complaint-public-v1","_id":"6267550","_score":21.46006,"_source":{"product":"Mortgage","complaint_what_happened":"Freedom Mortgage is doing everything they can to steal my home through foreclosure auction. I have a government backed USDA loan and have been submitting documents to them electronically for over 4 months, and they have been intentionally misrepresenting my status, and misplacing document. This past week they told me I had to get the requested documents in to them by XX/XX/XXXX otherwise they would move to foreclosure, and they verified it was all received on XX/XX/XXXX, then today they added new items to the list and said my house is going to foreclosure sale on XX/XX/XXXX. This is unethical and illegal. When I spoke with a supervisor today after they told me I still had a sale date he told me they have XXXX XXXX loans and we can't expect them to keep track of every document on every loan. EXCUSE ME???? They are trying to sell my house!! They filed a legal notice in court stamped XX/XX/XXXX and they give me 20 days to respond to dispute the ruling. This deadline would fall after the foreclosure sale date, which is a violation of Pennsylvania law ( document attached ). I have a valid dispute, I have been providing documents to Freedom mortgage for 4 months straight and have electronic records to back up my claims. \n\nI fell behind on my mortgage in XXXX due to XXXX and they were going to auction my house in XXXX, but I was able to get them to offer me the CARES forbearance since this is a USDA loan. At end of forbearance I began sending in paperwork ( have electronic records ) but this is a shell game, they run you in circles over and over. A full package was sent on XX/XX/XXXX. Each time when I would follow up it would be something different that they were missing, even though I have proof that these items had been submitted before. When it seemed that I had all of the documents in, they said I had filled out the wrong Freedom mortgage assistance form, I filled one out for FHA instead of USDA or something like that, even though Freedom is the one who sent me that form. CARES program recipients are guaranteed to be reviewed for modification, but Freedom does not want to follow the rules and instead sell my house if XXXX out of the XXXX documents I sent them is on the wrong form!!! This is the second time in last three months they have received the documents in time but still tried to sell the house, had a deadline to submit by XX/XX/XXXX they would postpone the upcoming sale date. Documents were emailed to them before the XXXX and Freedom told me the papers were in their system but the right person had not reviewed them yet so we are selling the house, but finally got it stopped. Followed up on XX/XX/XXXX they said they had everything, but when I check in week later they said they did not have XXXX taxes ( sent in XXXX ) so send on XXXX XXXX, then they told me that the financial statement was missing the signature page so I sent that again on XX/XX/XXXX, then they said they did not have all the pages of the financial statement so I sent it again on XXXX XXXX, along with taxes again and they said it was fine because it was all in before XXXX XXXX so sale date would be cancelled. When I called in today the agent told me that they had just found that XXXX things were missing -- a \" properly filled out 4506 form '' and the tax return was not signed on Page 2. '' I got a manager on the phone and tried to find out what was wrong with the 4506 form I submitted, but he did not know, and I reviewed the original which was completely filled out and sent it again. It is true that Page 2 of the tax return was not signed and dated, but that has been taken care of. \n\nThe bigger issue is that SHOULD I LOSE MY HOUSE TO FORECLOSURE IF I SENT THEM TAX RETURNS THEY REQUESTED BUT DID NOT SIGN PAGE 2??? Or if my information is on the wrong form because they sent me the wrong one? No one told me what the problem was with the tax returns until today. This is a scam. I am complying with their requests and obviously working with them.","date_sent_to_company":"2022-12-01T17:52:45.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"17078","tags":null,"has_narrative":true,"complaint_id":"6267550","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2022-12-01T17:45:20.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["<em>Freedom</em> <em>Mortgage</em> is doing everything they can to steal my home through foreclosure auction. I <em>have</em> a government backed USDA loan and <em>have</em> <em>been</em> submitting <em>documents</em> to them electronically for over 4 months, and they <em>have</em> <em>been</em> intentionally misrepresenting my status, and misplacing <em>document</em>."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"company":["<em>Freedom</em> <em>Mortgage</em> Company"],"sub_product":["Other type of <em>mortgage</em>"]},"sort":[21.46006,"6267550"]},{"_index":"complaint-public-v1","_id":"3079684","_score":13.761922,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"NOTICE : Filing on behalf of XXXX XXXX XXXX not XXXX XXXX this is identity theft and creation of an dead person or entity that does not exist. \n\nNOTICE TO THE CREDIT BUREAUS XXXX, XXXX, TRANSUNION, WE NOTICE THAT SOMEONE WITHIN YOUR AGENCY ARE WORKING FOR THE PARTIES AT SUIT. \n\nTo ; CFPB we reviewed the responses by the credit agencies and none answered the questions of 1. how is this a Security and a mortgage at the same time. Rather they assumed that i said within my complaint that i signed an agreement with XXXX XXXX and XXXX XXXX XXXX when this is a lie. 2. All three credit agencies stated that i have a mortgage signed with XXXX XXXX and XXXX XXXX XXXX when this is false also. My purchase of my home was with a different mortgage company not with either XXXX XXXX or XXXX XXXX XXXX. They also stated that they agreed with the two XXXX XXXX and XXXX XXXX XXXX that there is a mortgage and that they had the right to file on my credit history 60 days after i purchased my home with XXXX XXXX XXXX XXXX XX/XX/2018 so how is this apart and correct or connected with XXXX XXXX or XXXX XXXX XXXX. This is fraud and i shall add you to the lawsuit once its filed if this is not removed from my credit history. \n\nI iam XXXX XXXX XXXX am in sound mind made the decision to address this issue without anyone pushing me. i XXXX XXXX XXXX in sound mind and body purchased a home from XXXX XXXX and not from XXXX XXXX XXXX nor XXXX XXXX. They have intruded upon my privacy and falsely claimed that i somehow met with either corporation and purchase a home from them. Without verification and validation the credit agencies seemed to agree with the two unknown agencies XXXX XXXX XXXX whom are extorting me and XXXX XXXX whom somehow acquired an illegal mortgage without my consent nor knowledge of. \n\nThey claim i XXXX XXXX XXXX in sound mind and body owe them money but would not express what type of currency is due or owed. When all the Banks and Corporations herein this matter did not responded to my cease and desist notice asking how was the funds created and where did the funds come from? They failed to answer. When i asked how did they obtain my private information they failed to answer. Rather somehow they shared some information with the Three credit agencies and they agree that their is a mortgage debt due but did not share this information that is supposed to be my private information with me XXXX XXXX XXXX in sound mind and body. For this i am filing a small claims law suit against all three in the amount of {$5000.00}. For two out of the three have been breached for identity thieves to gain access to my private information. As well they seem to agree with XXXX XXXX or XXXX XXXX XXXX whereas i have not obligations nor a contract with. I never met with anyone from either company as well i have never signed nor agreed to my property becoming a mortgage to be sold as a security instrument rather it is impossible for a security instrument to be a mortgage. It can only be one, a mortgage or an security instrument. For if the instrument was secured there could be no debt. \n\nTherefore when they could not and did not answer as in i set up correspondence with the CEO of both agencies banks or corporations and they failed to answer within the allotted thirty days. So they received a Failure to Respond notice. According to the FDCPA they must have validated the alleged mortgage or security instrument before answering. They have failed to do so, rather somehow all three credit agencies claim that i XXXX XXXX XXXX a woman in flesh and blood signed a contract with XXXX XXXX XXXX and XXXX XXXX and this is a lie. They also assumed that i am in some agreement to buy a home from either corporation and or agency and this is also a lie. They stated within their response false accusations without verifying facts nor evidence. None of this alleged information was shared with me that was shared with all three credit agencies and this is fraud. \n\nThey also lied within their response that i made mention that i had signed or purchased my home from XXXX XXXX XXXX or XXXX XXXX and this is also slander and libel for they said it and wrote it and placed it within the CFPB website making it public record. False and fraud is this information.\n\nTo the CEOs whom never responded : ill give you proper due process to respond within the next thirty days [ 30days ] to verify and validate this alleged mortgage, and proved me with the evidence written documents according to FOIA freedom of information act, which is The basic function of the Freedom of Information Act is to ensure informed citizens, vital to the functioning of a democratic society. This information was kept from me as all three credit agencies acted as if they shared the same information that XXXX XXXX and Fannie Mae shared with them, i have no such information and i am requesting this information asap. \n\nMy documents are not third party and are from the original intent to correct my identity when ever someone attempts to use it illegally or without my consent or permission. This is the case right now. \n\nThe Credit Bureaus Company 's Response Thank you for submitting your complaint on XX/XX/2018, through the BCFP Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including the attachment, you have supplied through the BCFP portal and directly to XXXX. In your complaint, you indicated that your mortgage account was transferred without your consent. You are requesting that the information regarding the new creditor in charge of the mortgage be removed. We are in the process of contacting the disputed data furnishers to verify the accuracy of the information of the accounts with which you disagree. Please note that a reinvestigation may take up to 30 days. Upon completion, the result summary will be provided directly to you. A transferred debt may display on your credit report under the name of the original company or account, and also under the new company or account after it was transferred. An account that displays as transferred indicates that either the debt was bought by another company or the debt was transferred to another account with the same company. A personal credit report, by law, must list all parties that have requested a consumers credit history. According to the Fair Credit Reporting Act, credit grantors with a permissible purpose may inquire about credit information. Requests for your credit history remain on the personal credit report for 2 years. The federal Fair Credit Reporting Act ( the FCRA ) section 604 outlines permissible purposes of consumer reports. The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumers profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. Please note that XXXX does not receive a copy of any applications made to credit grantors. You may wish to contact the creditor directly for that information. If you have any additional supporting new documentation regarding the disputed information, you may forward that to XXXX for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher or public records office who verified that information. In addition, for more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXX at XXXX. XXXX XXXX, XXXX, TX XXXX. Thank you for submitting your complaint through the BCFP Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX. \n\nI XXXX XXXX XXXX of sound mind and body oppose this statement and stand for it to be false, please provide this report according to the [ FOIA ] Freedom of information act asap. The records your Exd out does not comply with the XXXX XXXX responded on XX/XX/2018 Company 's Response According to our system, we have not received any previous investigation requests from you in regards to the disputed information. In response to your complaint, an investigation was initiated into XXXX XXXX XXXX # XXXX. Our investigation was completed on XX/XX/18 and XXXX XXXX XXXX # XXXX was verified as being accurately reported, along with your name, social security number and date of birth. The result of our investigation has been mailed to your current address, for your review. It is our position that the processing of your credit file has been in accordance with all applicable laws and, therefore, we are unable to accede to your request for monetary compensation. \n\nI XXXX XXXX XXXX of sound mind and body oppose this statement and stand for it to be false, please provide this report according to the [ FOIA ] Freedom of information act asap. \n\n\nXXXX XXXX CEO never responded but the CFPB sent this ; After our review, we found that the best agency to help you with your issue is FEDERAL HOUSING FINANCE AGENCY. If you would like to submit your complaint with FEDERAL HOUSING FINANCE AGENCY, contact them directly at XXXX XXXX XXXX or call ( XXXX ) XXXX.","date_sent_to_company":"2018-11-20T22:35:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89149","tags":null,"has_narrative":true,"complaint_id":"3079684","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-11-20T22:23:40.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["To the CEOs whom never responded : ill give you proper due process to respond within the next thirty days [ 30days ] to verify and validate this alleged <em>mortgage</em>, and proved me with the evidence written <em>documents</em> according to FOIA <em>freedom</em> of information act, which is The basic function of the <em>Freedom</em> of Information Act is to ensure informed citizens, vital to the functioning of a democratic society."]},"sort":[13.761922,"3079684"]},{"_index":"complaint-public-v1","_id":"3079687","_score":13.738567,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"NOTICE : Filing on behalf of XXXX XXXX XXXX not XXXX XXXX this is identity theft and creation of an dead person or entity that does not exist. \n\nNOTICE TO THE CREDIT BUREAUS EQUIFAX, XXXX, XXXX, WE NOTICE THAT SOMEONE WITHIN YOUR AGENCY ARE WORKING FOR THE PARTIES AT SUIT. \n\nTo ; CFPB we reviewed the responses by the credit agencies and none answered the questions of 1. how is this a Security and a mortgage at the same time. Rather they assumed that i said within my complaint that i signed an agreement with XXXX XXXX   and XXXX XXXX XXXX when this is a lie. 2. All three credit agencies stated that i have a mortgage signed with XXXX XXXX and XXXX XXXX XXXX when this is false also. My purchase of my home was with a different mortgage company not with either XXXX   XXXX  or XXXX XXXX XXXX. They also stated that they agreed with the two XXXX XXXX   and XXXX XXXX XXXX that there is a mortgage and that they had the right to file on my credit history 60 days after i purchased my home with XXXX XXXX XXXX XXXX XX/XX/2018 so how is this apart and correct or connected with XXXX XXXX or XXXX XXXX XXXX. This is fraud and i shall add you to the lawsuit once its filed if this is not removed from my credit history. \n\nI iam XXXX XXXX XXXX am in sound mind made the decision to address this issue without anyone pushing me. i XXXX XXXX XXXX in sound mind and body purchased a home from XXXX XXXX and not from XXXX XXXX XXXX nor XXXX XXXX. They have intruded upon my privacy and falsely claimed that i somehow met with either corporation and purchase a home from them. Without verification and validation the credit agencies seemed to agree with the two unknown agencies XXXX XXXX XXXX whom are extorting me and XXXX XXXX whom somehow acquired an illegal mortgage without my consent nor knowledge of. \n\nThey claim i XXXX XXXX XXXX in sound mind and body owe them money but would not express what type of currency is due or owed. When all the Banks and Corporations herein this matter did not responded to my cease and desist notice asking how was the funds created and where did the funds come from? They failed to answer. When i asked how did they obtain my private information they failed to answer. Rather somehow they shared some information with the Three credit agencies and they agree that their is a mortgage debt due but did not share this information that is supposed to be my private information with me XXXX XXXX XXXX in sound mind and body. For this i am filing a small claims law suit against all three in the amount of {$5000.00}. For two out of the three have been breached for identity thieves to gain access to my private information. As well they seem to agree with XXXX XXXX or XXXX XXXX XXXX whereas i have not obligations nor a contract with. I never met with anyone from either company as well i have never signed nor agreed to my property becoming a mortgage to be sold as a security instrument rather it is impossible for a security instrument to be a mortgage. It can only be one, a mortgage or an security instrument. For if the instrument was secured there could be no debt. \n\nTherefore when they could not and did not answer as in i set up correspondence with the CEO of both agencies banks or corporations and they failed to answer within the allotted thirty days. So they received a Failure to Respond notice. According to the FDCPA they must have validated the alleged mortgage or security instrument before answering. They have failed to do so, rather somehow all three credit agencies claim that i XXXX XXXX XXXX a woman in flesh and blood signed a contract with XXXX XXXX XXXX and XXXX XXXX and this is a lie. They also assumed that i am in some agreement to buy a home from either corporation and or agency and this is also a lie. They stated within their response false accusations without verifying facts nor evidence. None of this alleged information was shared with me that was shared with all three credit agencies and this is fraud. \n\nThey also lied within their response that i made mention that i had signed or purchased my home from XXXX XXXX XXXX or XXXX XXXX and this is also slander and libel for they said it and wrote it and placed it within the CFPB website making it public record. False and fraud is this information. \n\nTo the CEOs whom never responded : ill give you proper due process to respond within the next thirty days [ 30days ] to verify and validate this alleged mortgage, and proved me with the evidence written documents according to FOIA freedom of information act, which is The basic function of the Freedom of Information Act is to ensure informed citizens, vital to the functioning of a democratic society. This information was kept from me as all three credit agencies acted as if they shared the same information that XXXX XXXX and XXXX XXXX shared with them, i have no such information and i am requesting this information asap. \n\nMy documents are not third party and are from the original intent to correct my identity when ever someone attempts to use it illegally or without my consent or permission. This is the case right now. \n\nThe Credit Bureaus Company 's Response Thank you for submitting your complaint on XX/XX/2018, through the BCFP Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including the attachment, you have supplied through the BCFP portal and directly to XXXX. In your complaint, you indicated that your mortgage account was transferred without your consent. You are requesting that the information regarding the new creditor in charge of the mortgage be removed. We are in the process of contacting the disputed data furnishers to verify the accuracy of the information of the accounts with which you disagree. Please note that a reinvestigation may take up to 30 days. Upon completion, the result summary will be provided directly to you. A transferred debt may display on your credit report under the name of the original company or account, and also under the new company or account after it was transferred. An account that displays as transferred indicates that either the debt was bought by another company or the debt was transferred to another account with the same company. A personal credit report, by law, must list all parties that have requested a consumers credit history. According to the Fair Credit Reporting Act, credit grantors with a permissible purpose may inquire about credit information. Requests for your credit history remain on the personal credit report for 2 years. The federal Fair Credit Reporting Act ( the FCRA ) section 604 outlines permissible purposes of consumer reports. The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumers profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. Please note that XXXX does not receive a copy of any applications made to credit grantors. You may wish to contact the creditor directly for that information. If you have any additional supporting new documentation regarding the disputed information, you may forward that to XXXX for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher or public records office who verified that information. In addition, for more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXX at XXXX. XXXX XXXX, XXXX, TX XXXX. Thank you for submitting your complaint through the BCFP Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX. \n\nI XXXX XXXX XXXX of sound mind and body oppose this statement and stand for it to be false, please provide this report according to the [ FOIA ] Freedom of information act asap. The records your Exd out does not comply with the FDRA Company responded on XX/XX/2018 Company 's Response According to our system, we have not received any previous investigation requests from you in regards to the disputed information. In response to your complaint, an investigation was initiated into XXXX XXXX XXXX # XXXX. Our investigation was completed on XX/XX/18 and XXXX XXXX XXXX # XXXX was verified as being accurately reported, along with your name, social security number and date of birth. The result of our investigation has been mailed to your current address, for your review. It is our position that the processing of your credit file has been in accordance with all applicable laws and, therefore, we are unable to accede to your request for monetary compensation. \n\nI XXXX XXXX XXXX of sound mind and body oppose this statement and stand for it to be false, please provide this report according to the [ FOIA ] Freedom of information act asap. \n\n\nXXXX XXXX CEO never responded but the CFPB sent this ; After our review, we found that the best agency to help you with your issue is XXXXXXXX XXXX XXXX XXXX. If you would like to submit your complaint with XXXX XXXX XXXX XXXX, contact them directly at XXXX XXXX XXXX or call ( XXXX ) XXXX.","date_sent_to_company":"2018-11-20T22:36:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89149","tags":null,"has_narrative":true,"complaint_id":"3079687","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-11-20T22:36:02.000Z","state":"NV","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["To the CEOs whom never responded : ill give you proper due process to respond within the next thirty days [ 30days ] to verify and validate this alleged <em>mortgage</em>, and proved me with the evidence written <em>documents</em> according to FOIA <em>freedom</em> of information act, which is The basic function of the <em>Freedom</em> of Information Act is to ensure informed citizens, vital to the functioning of a democratic society."]},"sort":[13.738567,"3079687"]},{"_index":"complaint-public-v1","_id":"13029485","_score":12.921579,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX To : XXXX  XXXX XXXX XXXX XXXX. \nXXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Date : XX/XX/2025 Subject : Final Dispute Notice Formal Demand for Immediate Removal of Inaccurate Accounts Under FCRA Legal Action Pending To Whom It May Concern, This is now my third and final formal dispute concerning inaccurate and harmful information being reported on my XXXX  credit file. At this point, your ongoing refusal to report accurate data is a direct violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ), and it has had a material impact on my ability to secure housing, obtain financing, and maintain my livelihood. \nDisputed Accounts : XXXX XXXX XXXX XXXX  Account # : XXXX Charged-Off / {$24000.00} XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Charged-Off / {$920.00} XXXX XXXX XXXX XXXX XXXX Account # : XXXX Paid & Closed / {$720.00} These accounts have either been : Deleted from XXXX  and XXXX  ( proving lack of verified accuracy ), Inaccurately verified by XXXX, or Are outright obsolete or fraudulent. \nDespite receiving notice through prior disputes, XXXX  continues to report these items. This violates 15 U.S. Code 1681s- 2 ( a ) ( 1 ) ( A ), which prohibits reporting information known to be inaccurate, especially once a consumer provides evidence of such. Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX  is required to conduct a reasonable reinvestigation within 30 days. Simply marking the account as disputed by consumer without verifying the actual validity or providing any documentation is not compliant. \nIf the same data has been removed by the other major XXXX and XXXX  yet XXXX  continues to report it, that constitutes a blatant case of furnisher failure under 15 U.S. Code 1681s-2 ( b ). The continued reporting of unverified and unsupported accounts is causing irreparable harm to my ability to apply for mortgages, auto loans, and business credit. This is restricting my financial freedom and damaging my professional credibility. \nIn addition, 15 U.S. Code 1681n and 1681o grant me the right to seek monetary damages for your willful and negligent violations, including attorneys fees and punitive damages. Furthermore, FCRA 1681c ( a ) ( 4 ) specifically states that accounts that are paid, closed, or fraudulent must not be reported beyond seven years, and any derogatory information resolved must not continue to misrepresent my financial standing.\n\nThis Is Your Final Opportunity to Comply : You now have five ( 5 ) business days from the date of this letter to : 1. 2. Immediately remove the inaccurate accounts listed above, and Provide written confirmation that the deletions have been completed. \nIf you fail to comply, I will proceed with the following actions without further warning : File a lawsuit in state and federal court for FCRA violations and defamation of character Notify the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office Publicly document your violations to protect others from similar harm Enough is enough. I am demanding full FCRA compliance, deletion of inaccurate accounts, and documented confirmation. If this is not resolved by XX/XX/2025, your legal department will receive a formal notice of legal action. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-04-17T01:52:46.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"80111","tags":null,"has_narrative":true,"complaint_id":"13029485","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-04-17T01:42:56.000Z","state":"CO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Simply marking the account as <em>disputed</em> by consumer without verifying the actual validity or <em>providing</em> any documentation is not compliant. \nIf the same data has <em>been</em> removed by the other major XXXX and XXXX  yet XXXX  continues to report it, that constitutes a blatant case of furnisher failure under 15 U.S. Code 1681s-2 ( b ). The continued reporting of unverified and unsupported accounts is causing irreparable harm to my ability to apply for <em>mortgages</em>, auto loans, and business credit."]},"sort":[12.921579,"13029485"]},{"_index":"complaint-public-v1","_id":"8446914","_score":11.21124,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Please review first complaint # XXXX. I have receive telephone calls offering me money attempting to convince me to drop this complaint. My home computer and lab top have been hacked and also my XXXX has been blocked so I couldn't respond to the company responds. Every response from XXXX XXXX was lies except one. Which was the actual refinance amount on XX/XX/XXXX. Please review old information and new information. I mailed a response in a timely response only to have it returned stating wrong address. \n\nXX/XX/XXXX TO : United States Attorney XXXX XXXX of Texas U.S. ATTORNEY XXXX XXXX XXXX XXXX XXXX, XXXX Floor From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Subject : Corruption Complaint : XXXX XXXX, I am a complainant that has filed multiply complaints with different government agency 's concerning the corruption that existed in the Department of Labor and the \" Job Corps '' programs around the country. I also detailed the corruption that existed in the XXXX XXXX United States Attorney Offices in XXXX Texas. I have also documented other complaints with the government other corruption and retaliation I have experience at the hands of government employees before and after becoming a whistle blower. My attorney filed a whistle blower Qui-tam complaint with the courts and also a federal complaint of retaliation. This was handled by the so called United States Attorney XXXX XXXX who eventually orchestrated a collaboration between both attorneys who eventual just stop communicating with me. \nMy past complaints were while documented and I'm sure you can review the complaints if you are having a memory lapse or if you were unaware of the XXXX XXXX scandal. During the last ten years I have been retaliated against after exposing the corruption and fraud at the XXXX Texas XXXX XXXX program. Over the course of time I found that instead of the government investigating XXXX XXXX or XXXX XXXX XXXX they were investigating me while also attempting to create a scheme to indict me for breaking the law. I have expose several instants where Agents of the Government had devised a plan to get me or my wife to sign a contract that was unlawful. Luckily we realized that the roofing contract were fraudulent. \nI have included with this correspondence a responds to the Consumer Federal Protection Bureau ( CFPB ) after filing a complaint concerning fraud and also tax fraud. I also attached copies of documents with the letter. Not once have I received a correspondence from your office or either attorney concerning the outcome of my ten years ' worth of complaints. The only thing I know is the government allowed XXXX XXXX to walk away with a slap across his hands. \nSincerely, XXXX XXXX XX/XX/XXXX This is my reply to Consumer Response Team of Consumer Federal Protection Bureau ( CFPB ) and XXXX XXXX XXXX, who is the Executive Resolution Analyst for XXXX XXXX XXXX XXXX XXXX XXXX  XXXX \nThis is clearly not a dispute, but XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX Tax Assessor office are conspiring together while committing a fraudulent scheme to retaliate against the complainant and to defraud ethnic descent taxpayers and XXXX  citizen taxpayers of their homestead exemptions. Texas law states that every property owner who lives in the State of Texas on XX/XX/XXXX of each year, is entitled to receive a homestead exemption. Ethnic descent and XXXX  citizen property owners are entitled to the same opportunity as every red-blooded XXXX who owns a home and receives a homestead exemption. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX  has a duty and responsibility as a mortgage company to manage homeowners ' escrow accounts while also ensuring the homeowners ' property taxes and insurance amounts are paid accurately. \nOn or around XX/XX/XXXX, I received a response letter from the Consumer Response Team of Consumer Federal Protection Bureau ( CFPB ) after filing a complaint with them. I also received an attached letter from XXXX XXXX XXXX which was responding on behalf of XXXX XXXX XXXX XXXX XXXX  XXXX after I had filed a complaint with CFPB. In my complaint, I referenced a fraudulent conspiracy between XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXXXXXX XXXX XXXX from the State of Texas XXXX While documenting my complaint, XXXX XXXX XXXX XXXX was alerted after I complained to both tax authorities in attempts of receiving my homestead exemption for the past ten years. While writing this document, I heard on the news that the state of Texas had just announced starting in XX/XX/XXXX, XXXX citizens would not have to apply for their homestead exemptions The tax exemption will be automatically calculated into their property tax calculations if they are XXXX years of age. This should have been done years ago. \nEvery year the county tax authority sends out tax bills to property owners and the homestead exemption is not included in the calculation of the property tax. Mortgage companies also receive a tax bill for property owners of Texas. The tax bill that the county sends to the ethnic descent and XXXX citizens are elevated by XXXX XXXX dollars depending on the value of the home. This elevated tax bill causes inflation in the property owner 's mortgage payment. Thus, the property owner who possesses an escrow account will have an escrow shortage because the escrow payment will increase. This causes the mortgage company to raise the escrow payment, which causes the mortgage payment to increase by hundreds of dollars to account for the higher property taxes. Mortgage companies then mail out letters to the borrowers stating, \" YOU HAVE AN ESCROW SHORTAGE '' in large letters. Most borrowers do not understand the equation that mortgage companies use to calculate the escrow for taxes and hazard insurance. I most recently sought help in learning the escrow tax module that mortgage companies use. Sometimes the fraudulent escrow letter is mailed out several times a year after the mortgage company gets greedy and uses the same explanation of an \" escrow shortage ''. I recorded a phone call conversation while talking to an employee of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX In the call, they stated they conduct three escrow analyses a year. All mortgage companies conduct one escrow analysis a year, usually after your taxes and hazard insurance are received for the year. Then, the mortgage company makes an adjustment after receiving the yearly taxes. As a borrower/mortgagee, I received three letters from XXXX XXXX XXXX XXXXXXXX XXXX  XXXX stating an escrow shortage or adjustment ( shortage ).\n\nFRAUDULENT ESCROW SHORTAGES XXXX On XX/XX/XXXX, I received a letter from my mortgage company, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX stating my escrow analysis was conducted on my property at XXXX XXXX XXXX, XXXX Texas XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX stated that the analysis was conducted to ensure there were enough funds in my escrow account to pay my taxes and premiums. XXXX XXXX XXXX XXXX XXXX XXXX also stated that after conducting my escrow analysis, XXXX found an escrow shortage in the amount of {$4500.00}. I have attached the letter as \" XXXX XXXX ''. \nOn XX/XX/XXXX, I received another letter from XXXX XXXX XXXX XXXXXXXX XXXX XXXX that stated I had another escrow shortage of {$3300.00} in my escrow account. This balance is expected to fall below the required minimum balance. The letter also stated that the shortage repayment would be spread out over XXXX months which will raise my mortgage payment. \nOn XX/XX/XXXX, I received a third escrow letter from XXXX XXXX XXXX XXXXXXXX XXXX XXXX stating in large letters that my escrow account had a shortage. This letter was worded just like the previous two letters received over five months earlier. The letters stated an escrow analysis of my escrow account was conducted to ensure that there were enough funds to meet the required minimum balance to pay my projected taxes and insurance premiums. Then, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX stated after the analysis, it was found that my escrow account had another shortage of {$3300.00}. This was the third escrow analysis shortage letter I received in four months. All three letters stated that I had an escrow shortage in my escrow account. The total of the three escrow shortages : {$11.00} XXXX. \nIf this were true, my taxes would have exceeded over {$25000.00}. This amount surpassed twice the amount of my actual taxes with XXXX XXXX. My actual taxes due for XXXX were {$6700.00}. XXXX XXXX XXXX XXXX XXXX XXXXXXXX had forgotten that the above shortage lie was stated in the previous letter which I had already received. The letter I received stated that an escrow analysis of my escrow account was conducted to ensure that there were enough funds to meet the required minimum balance to pay my projected taxes and insurance premiums. Then, XXXX XXXX XXXX XXXX XXXX XXXX stated , after the analysis, it was found that my escrow account had another shortage of {$3300.00}. I must have been the luckiest guy in the world to have the exact escrow shortage down to the XXXX in two escrow analyses conducted within a couple of months. My escrow shortage amount matched the previous letter of {$3300.00}. These two shortages ' amounts were the same down to the XXXX. The real fact of the matter is, mortgage companies have one escrow analysis a year, unless the customer requests one. I requested XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX conduct a mortgage escrow analysis and was told to call back in ten days. After calling back I was shockingly told, \" No ''. I made several other phone calls, but I was still denied. \nAfter fraudulently adding higher amounts to my XXXX escrow account, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX illegally raised my mortgage payments to {$3300.00} a month. From information and calculation by the end of XX/XX/XXXX, I would have paid into my escrow account well over {$16000.00} dollars for taxes and insurance. While my actual taxes for XXXX XXXX were {$6700.00}. \nUnder CFPB noted in 1024.17 ( 2 ) and ( 3 ), \" the servicer shall conduct an escrow account analysis upon establishing an escrow account and at completion of the escrow account computation year. The servicer 's initial statement is the first disclosure statement that the servicer delivers to the borrower 's escrow account. 12CFR 10.24.17 ( b ). The letter must include : The amount of the mortgage payment Portion of the monthly payment going into escrow account Anticipated disbursement dates The amount the servicer elects as a cushion Trial running balance for the account '' In XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX also fraudulently reported the tax disbursements in their XXXX IRS XXXX Statement. However, every number reported in their XXXX IRS 1098 Statement was fraudulent. Please review the attached IRS document in \" XXXX XXXX ''. \nBelow, I will highlight every statement XXXX XXXX made in his letter. I will also include supporting statements, documents and the Federal rules and regulations explaining the facts. This will clearly show the untruthfulness of XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX \nSTATEMENT : XXXX XXXX XXXX XXXX stated in his letter that the mortgage loan originated on XX/XX/XXXX XXXX, XXXX, in the amount of {$350000.00}. \nREPLY : Yes, I refinanced my mortgage with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX which is in XXXX, Texas. The interest rate was 3.875 % and the monthly principal and interest was {$1.00} XXXX. Attached is the Closing XXXX for this transaction. Please review the \" XXXX XXXX '' attachment. \nSTATEMENT : False XXXX XXXX stated that XXXX XXXX XXXX taxes were {$9100.00} and XXXX XXXX taxes were {$1.00} XXXX. He further stated XXXX XXXX XXXX XXXXXXXX XXXX  XXXX had no way of verifying the borrower 's tax accounts due to the accounts being confidential. No other information was available to review for either county. \nREPLY : My XXXX XXXX XXXX taxes were {$7700.00} and my XXXX XXXX taxes were {$1.00}, XXXX. The total taxes were {$8800.00}. XXXX XXXX XXXX XXXX XXXX XXXXXXXX had many ways to verify the borrower tax account. Yes, the account was confidential, but the account is always removed from confidential status any time the borrower is purchasing a home, refinancing a home, or the borrower himself can request to have his account removed from confidential status. I checked with the tax authority, and they stated the mortgage company may have called and requested all confidential information pertaining to their borrower including actual tax amounts owed to the county.\n\nMy account was confidential because I requested it. After working with the XXXX Police Department as a detective for 30 years. The confidential status protected my name only. My tax account was connected to my address which is public information with the lot number and tax amount owed. I would say to XXXX XXXX, \" XXXX XXXX, you are an executive with XXXX XXXX XXXX XXXX XXXX XXXXXXXX You should have known this. '' XXXX XXXX 's above statement is untrue. Please review all the actual and the fraudulent tax documents attached to this document as \" XXXX XXXX and XXXX. '' Or go to the county website. \nSTATEMENT : False XXXX XXXX states that XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX can not in any way speak to or address any disputes or concerns the borrower may have had with any county tax agency prior to this original date. XXXX XXXX also stated XXXX had no evidence of receipt of request for approval of a homestead exemption prior to the concerns raised XX/XX/XXXX, by the borrower. \n\nREPLY : As I previously stated, this was a conspiracy between XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and the XXXX XXXX Tax Assessors of Texas . I am a mortgage client that XXXX XXXX XXXX XXXX XXXX XXXXXXXX purchased my loan from XXXX XXXX XXXX I didn't select XXXX XXXX XXXX XXXXXXXX XXXX XXXX. to be my mortgage servicer, but they still have a duty and responsibility to ensure that XXXX is paying out the accurate amount of taxes and home insurance before a XXXX leaves my escrow account. Especially, since XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX purchased this mortgage loan from another company. \nCFR XXXX024.17 ( 2 ) states, \" the servicer shall conduct an escrow account analysis upon establishing an escrow account and at completion of the escrow account, a computation for the year. '' XXXX XXXX failed to conduct due diligence as the servicer of the loan to ensure the taxes and insurance were accurate. XXXX XXXX XXXX XXXXXXXX XXXX  XXXX had a duty to follow up with the borrower concerning the actual tax and insurance amounts by letter or notify the borrower by telephone. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX represented the borrower , not the tax authority in Texas. XXXX XXXX made the statement, \" No information or documentation was found in the loan closing that a homestead exemption was approved or had not been approved. '' Thus, it was XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX duty to do its due diligence and ensure XXXX XXXX XXXX XXXX Mortgage XXXX represented their new mortgage borrower . XXXX XXXX should have requested the tax authority to send out an updated and verified copy of the property tax bill and hazard insurance for the property located at XXXX XXXX XXXX, XXXX, Texas, XXXX. On the back of the property tax bill, it shows if the property taxes received an exemption. I have included the back attachment to the tax bill. Please review the attached document. You will find the back side states the exemption was not given. Then, the second copy states for the same year, an exemption were given. Why did XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX state in the XXXX IRS 1098 tax statement that they disbursed {$11.00} XXXX for property taxes and {$3000.00} in hazard property insurance which totaled {$14000.00}? XXXX XXXX previously had stated in his letter that XXXX XXXX property taxes were {$9100.00} and XXXX XXXX taxes were {$1.00} XXXX which totaled {$10.00}, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX also reported in XXXX, in the IRS 1098 Statement that they paid {$3000.00} for hazard insurance. But in XXXX XXXX 's letter, he was quoted as saying, \" The amount of insurance XXXX XXXX XXXX XXXX XXXX XXXXXXXX paid in XXXX XXXX XXXX. '' XXXX XXXX also stated that XXXX XXXX XXXX, was the coverage dates they paid insurance. XXXX then states, \" no other payments have been made from this escrow to hazard insurance ''. But XXXX XXXX XXXXXXXX reported to the IRS they paid hazard insurance totaling {$3000.00} which was documented in the IRS 1098 statement as a disbursement they paid in XXXX. The \" XX/XX/XXXX '' insurance had been prepaid by the borrower and XXXXXXXX XXXX  XXXX to XXXX after the closing on XX/XX/XXXX. Please review the actual taxes and insurance documents attached as \" XXXX XXXX  '' Also review the closing disclosure that explains the prepaid taxes and insurance disbursement. \nXXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX failed to include the closing prepaid items from the loan that XXXX purchased. The borrower prepaid into the escrow account an escrow cushion of {$4800.00}. This amount included prepaid property taxes of {$3700.00}. Also prepaid in the loan was the hazard insurance totaling {$2600.00}. XXXX XXXX stated in his letter that the initial annual premium amount was referenced as being {$2400.00}. But the amount billed in XXXX was {$2900.00}. But in the disclosure document, it states \" homeowner 's insurance prepaid totaling {$2600.00} ''. Again, XXXX 's first mortgage statement to the borrower received on XX/XX/XXXX, makes no mention of homeowner 's hazard insurance in the escrow account or prepaid insurance. The XX/XX/XXXX, statement does mention the escrow prepaid tax cushion of {$4800.00} that should have been placed in the escrow account. On XX/XX/XXXX, the borrower 's mortgage payment statement totaled {$2600.00}. The escrow payment was included in the mortgage payment of {$960.00} x nine months for a total of additional escrow amounts of {$8600.00} that the borrower/homeowner/XXXX XXXX paid into the XXXX XXXX escrow account XXXX The totals at the end of the 2022 year for the borrower 's escrow account with XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX totaled {$20000.00} XXXX I have attached the closing disclosure statement from the loan that XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX purchased from XXXXXXXX XXXX. The closing disclosures attached will be referred to as \" XXXX XXXX ''. I have also attached the XXXX XXXX mortgage statement from XXXX XXXX XXXX to this document, and all months will be referred to as \" XXXX XXXX ''. \nSTATEMENT : False XXXX XXXX states in his letter on the third paragraph that he had enclosed a one-year escrow analysis statement dated XX/XX/XXXX. He also included another analysis completed XX/XX/XXXX, that was referenced in the correspondence. \nREPLY : If you review all the attachments, you will find that XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX analysis statements just don't add up There are big discrepancies in his XXXX analysis statements, and my monthly statements mailed over the year. XXXX and XXXX XXXX are not running a mortgage company, but assisting in a national dark money operation. I also attached all the documents that are associated with this loan for XXXX. Why didn't XXXX XXXX include an analysis for every month XXXX received payments from receiving this loan? I have kept all the originals of closing documents. Also, on IRS 1098 tax document, the company name in the top left-hand corner, the company name is \" XXXXXXXX XXXX XXXXXXXX XXXX The document also tells the total property taxes paid in XXXX is {$14000.00}. That value is another fraudulent statement to the Internal Revenue Service. The correct taxes XXXXXXXX XXXX XXXXXXXX paid in XXXX is {$7800.00}. Included with XXXX XXXX tax bill paid of {$6700.00} was XXXX XXXX for {$1.00} XXXX. The total taxes paid to both counties totaled {$7700.00}. XXXXXXXX XXXX XXXX further stated in closing, the escrow account was short which left my account in the red with a negative balance of < {$1.00} XXXX>. Even though the actual tax amount for both counties in XXXX, was {$7700.00}, not {$10000.00}, the fraudulent amount of {$13000.00} that XXXXXXXX XXXX  XXXX listed on the IRS 1098 Statement for XXXX XXXX tax bill. \nThere are three parts to this criminal scheme : is overcharging the minority taxpayer homeowner by refusing to include the homestead exemptions deduction in the taxes when they are mailed out to the homeowner. Then, the homestead exemption is added to the taxes at the end of the year. This drops the taxes by thousands of dollars. I was overcharged in XXXX by an estimate of {$5500.00}. Since sending letters about the tax scheme this year, in late XXXX, I received {$2300.00} returned from XXXX XXXX taxes and {$3200.00} returned from XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX \nis the mortgage company telling a borrower they conducted an escrow analysis and finds their escrow account short thousands of dollars? When the higher tax amount is paid by the homeowner, the assessed value is re-adjusted after the homeowner makes their tax payment. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Assessor Offices are criminally committing fraud by stealing the remaining amount of taxes that is left over in the escrow account. Then, the mortgage company tells the minority homeowner that they have a shortage in their escrow account. At the beginning of XXXX, XXXX XXXX XXXXXXXX sent me a 1098 IRS tax document that listed fraudulent detailed disbursements for the year XXXX. They also reported a negative closing escrow balance on my account. The following year, XXXX XXXX XXXX XXXX XXXX XXXXXXXX sent me an elevated mortgage statement with a new escalated escrow amount of thousands of dollars higher than the original XXXX XXXX tax rate XXXX \nThe tax assessor sent out two tax bills that included the homestead exemption was {$430000.00} x XXXX tax rate = {$1.00} XXXX. This is the tax amount due for XXXX city taxes. The XXXX XXXX assessed taxable value included the homestead exemption amount was {$470000.00} x XXXX tax rate = {$5700.00}. This is the tax amount due for XXXX XXXX taxes. If you add the two taxing entities together, {$1.00} XXXX + {$5700.00} = {$7700.00}. This is the XXXX XXXX tax amount for XXXX. The fraudulent taxes paid by my mortgage company, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Tax Assessor was {$10000.00}. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX must think their property owners of color can't count. The correct XXXX tax bill for XXXX XXXX taxes was {$7800.00}. Please, review attachments \" XXXX XXXX XXXXXXXX, and XXXX. '' is the billing for hazard insurance? The insurance company that covers my home hazard protection is XXXX XXXX. I recently had several meetings with the XXXX agent at XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX mailed an IRS Tax Document 1098 for me to file my property taxes at the end of the year. The balances of deposits, disbursement and escrow closing balances for the end of the year must be correct balances before submitting to XXXX XXXX customers and the IRS. Through interviews, information, and documentation, XXXX XXXX XXXX XXXX XXXX XXXXXXXX is committing fraud while sending fraudulent documents to mortgage customers and the IRS. Listed on my IRS 1098 tax document, XXXX XXXX XXXX states they disbursed {$3000.00} to my hazard insurance. This information is another fraudulent statement by XXXXXXXX XXXX XXXX. Please review attached document \" XXXX XXXX ''. \nQuestion : Who Is XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ? \nXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX bought my mortgage from XXXX XXXXXXXX at XXXX XXXX XXXX, XXXX, Texas, XXXX. This purchase happened within the first month of my refinancing my mortgage. The same individual that owned XXXX XXXX and closed my first loan now owns and operates XXXXXXXX XXXX  XXXX at the same location. I tried to research XXXX XXXX and found two other names, \" XXXX XXXXXXXX XXXX  '' and \" XXXX XXXX XXXX '' that were listed on the internet. The company name \" XXXXXXXX XXXX XXXXXXXX '' is listed on the fraudulent 1098 IRS forms I mentioned earlier in this document.\n\nI am a \" whistle-blower '' that has been retaliated against since giving a secure, protected deposition to the U.S. Attorney . I was retaliated against soon after sharing information about a Texas company named XXXX XXXX XXXX that fraudulently filed false billing claims to the government. XXXX has damaged my life since I spoke out. My civil rights have been illegally trampled over the last ten years. I have filed several complaints with CFPB concerning my credit scores and mortgage applications. Please check my complaints of mortgage discrimination against \" Better Mortgages ''. This occurred three months before XXXXXXXX XXXX XXXXXXXX stated they purchased the loan ; I was rejected by two mortgage companies in XXXX XXXX. Ask yourself this question : How did XXXX XXXX get the mortgage? Next, ask yourself, how did XXXXXXXX XXXX XXXXXXXX buy the loan from XXXX XXXX? \" XXXX XXXX '', the government money-backer, purchased my mortgage from another mortgage company. Please investigate this because I plan to. This mortgage has been sold about five times in 30 months. \nI gave detailed fraud information that should have been protected, but it wasn't. I attended a private deposition at the XXXX XXXX United States Attorney 's Office in XXXX, Texas. The information was investigated, and XXXX XXXX XXXX XXXX admitted to sending false claims for payment to the United States government XXXX XXXX XXXX has admitted to violating the kickback statute after providing payment to the CEO, XXXX XXXX, of the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  for providing fake diplomas to millions of students that attended XXXX XXXX XXXX XXXX XXXX XXXX. According to information, it is believed several other agencies were found to have helped with this fraud. \nXXXXXXXX XXXX  XXXX XXXX XXXX is located at XXXX XXXX XXXX, XXXX, Texas, XXXX. Is it just coincidence that the XXXX XXXX XXXX XXXX is at XXXX XXXX XXXX, XXXX, Texas, XXXX? And the XXXX XXXX XXXX XXXX is at XXXX XXXX XXXX, XXXX, Texas, XXXX? Also, the Texas Attorney General Inspector was accused of trying to conceal the fraud after first investigating my accusation and reporting that the incident was unfounded. Texas Attorney General XXXX XXXX also lives in the city of XXXX, Texas. \nOver the last years, I have not been able to get a copy of my updated credit report from the internet nor have I been able to get into my XXXX XXXX account that's available on the internet or off the app which is on my cellular phone. Through information and belief, I have been under a cyberattack where my personal information and credit cards numbers have been stolen and fraudulently used. I suspect that my two property mortgages have new mortgage names which were switched by XXXX XXXX XXXX XXXXXXXX XXXX XXXX without my consent and new amounts have been posted on my mortgage over the past two years. Also, my property in XXXX, Illinois was with XXXX XXXX, but now the name is \" XXXX XXXX XXXX XXXXXXXX ''. I have continued to request help from the F.B.I. and any other government whistleblower assistance programs with negative results. I have received little help from the agencies, but the problems still exist. Even my XXXX has been hacked and files have been destroyed after giving a secure, protected deposition to the XXXX XXXX United States Attorney, XXXX XXXX. \nMost recently, I have gained access into my XXXX XXXX account and found my credit scores had dropped, but surprisingly, I noticed listed on my credit report that I had obtained a mortgage with XXXXXXXX XXXX XXXXXXXX in XX/XX/XXXX. I have never applied for a mortgage with XXXXXXXX XXXX XXXX, nor have I attended a closing where I signed any documents with XXXX XXXX  XXXX. This is the same XXXX XXXX XXXX that sent a fraudulent document to me and the Internal Revenue Service. Recently while working on this document, my civil rights were violated again. While at the XXXX XXXX preparing this document, I was being surveilled and my computer and documents were being changed to XXXX. I chose to use the library thinking I was protected from the same tampering that was occurring at my residence, but I was wrong. I have the right to freedom of speech while also I have a right to file a whistleblower complaint. I also have a right to obtain counsel without interference from government agencies. \nI have a rental property at XXXX XXXX XXXX in XXXX, Illinois, XXXX. This property was mortgaged by XXXX XXXXXXXX XXXX and then the company was purchased by XXXX XXXX. The mortgage company has been showing as XXXX XXXX 's since XXXX. Recently, since getting access into XXXX XXXX, I noticed my mortgage was showing that I had bought or refinanced my mortgage with XXXX XXXX XXXX  16 months ago. The address of the company was shown somewhere in XXXX, Texas. Again, I have not purchased a new mortgage, nor have I refinanced my property in XXXX, Illinois Early part of XXXX, I filed a complaint with the F.B.I. concerning Individuals trying to get my signature while I was in the library in XXXX, Texas. \nI have detailed the fraudulent activities and attached supporting documents that corroborate my accusations. Through information and investigation, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX are collaborating with the XXXX XXXX Tax Assessor and are defrauding citizens of ethnic backgrounds by overestimating their tax amounts and by not calculating their homestead exemptions into their initial home tax assessment. Further, these mortgage companies and other tax assessors ' offices are endorsing the same fraudulent activity towards ethnic citizens and XXXX citizens in other Texas cities. \nFor several years XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Assessor and other mortgage companies who supply escrow accounts for property owners in XXXX XXXX, Texas has defrauded me by overcharging me on my county taxes and hazard insurance. They have given me false information as a customer so XXXX XXXX XXXX XXXX XXXX XXXX could escalate my taxes by refusing to include my homestead exemption thus causing my taxes to skyrocket which also forced me to pay a higher mortgage payment and raise my escrow account. Thus, I have been forced to pay higher property taxes and high","date_sent_to_company":"2024-03-05T17:29:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"8446914","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-29T18:09:09.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I <em>have</em> the right to <em>freedom</em> of speech while also I <em>have</em> a right to file a whistleblower complaint. I also <em>have</em> a right to obtain counsel without interference from government agencies. \nI <em>have</em> a rental property at XXXX XXXX XXXX in XXXX, Illinois, XXXX. This property was <em>mortgaged</em> by XXXX XXXXXXXX XXXX and then the company was purchased by XXXX XXXX. The <em>mortgage</em> company has <em>been</em> showing as XXXX XXXX 's since XXXX."],"sub_issue":["Problem with personal statement of <em>dispute</em>"]},"sort":[11.21124,"8446914"]},{"_index":"complaint-public-v1","_id":"3453884","_score":11.171416,"_source":{"product":"Mortgage","complaint_what_happened":"The Bank-Lender and/or Successor ( s ) in the Mortgage and Note on the real property at XXXX XXXX XXXX, XXXX, CA XXXX remained silent when Administrative Arbitration Documents were sent regarding their lack of authority to Foreclose on the subject real property. Deed of Trust recorded XX/XX/XXXX in XXXX XXXX XXXX, California Document # XXXX on MIN # XXXX, has serious discrepancies in legal language to bind anyone to a mortgage contract with XXXX XXXX  XXXX. and/or its Successor ( s ). To Wit : The Note which precedes the deed of trust says : In return for a loan I have received, I promise to pay U.S. {$650000.00} ( this amount is called Principal plus interest to the order of the Lender. [ emphasis bold, mine ] However no money changed hands at the time of the alleged loan above. The Note was securitized later, roughly assumed to happen ( 5 ) days later and deposited by the Bank as an asset. Therefore the above language at the first paragraph of the original Note invalidates any mortgage agreement for being chronologically false. Fraud in the language above invalidates any Foreclosure occurring against the real property. Further evidence that is lacking is that under 18 USCA 1813 ( L ) ( 4 ) the Lender must issue a receipt for the promissory note deposited. It is asserted there will be no evidence forthcoming of such mandatory receipt in the entirety of the Defendant ( s ) possession. One of the reasons this evidence is likely hidden is that the \" borrower '' is the Originator under UCC 4A-104, and only the Note signatory is the Originator. This means Trover is an ongoing Enterprise in this Case whereupon the Bank-Lender and/or its Successors are attempting Conversion Theft. Under the BORROWER COVENANTS section of the Deed of Trust Agreement of XX/XX/XXXX,, there were no encumbrances of record as no money changed hands XX/XX/XXXX, There was no loan given by the Bank-Lender pursuant to 12 CFR 223.14, no  collateral deposit was made by the Bank either on XX/XX/XXXX, and therefore the language of the Mortgage Agreement and its chronology is fraudulent. The Plaintiff and/or its Successors have not met their burden of proof in evidence to sustain a foreclosure on the real property. In addition to several demands for the Bank-Lender and/or its Successors to show proof of authority, and standing, to Foreclose upon the alleged \" Borrowers '' the Administrative Letters regarding Arbitration also showed an interest by U.S.Senate Report by the U.S. Government on all Mortgages since the Bankruptcy of 1933. The recipients of the Administrative Arbitration Documents also Defaulted by remaining silent on the U.S. Govt 's interest in the mortgages and land 's mortgaged in this country in reference to the Admin. Arbitration documents mailed by certified u.s. postal. Though the Law Firm ( s ) involved claim they did not have to respond to the alleged Borrower 's Administrative Arbitration documents, mailed, their silence to the step by step mailings leading to an Administrative Arbitration Award due to their silence prompts this Claimant to expose the Bank ( s ) and/or its Successor ( s ) to the clear Fraud they are perpetrating in collecting an alleged debt they have no verified loan in existence to prove there was anything more than a credit extension, and it is illegal to loan credit. ( see ) 12 CFR 223.14. The Notice of Intent to file a Complaint in the Court for Enforcement of the Arbitration Award, to the opposition 's silence follows and at least one Law Firm involved so far claims the Administrative process used is nonsensical.  However, Arbitration does not have to proceed through the courts alone. Therefore the Petitioner ( s ) herein state they are entitled to the Administrative Arbitration Award, and that matter ( s ) expressed in the Arbitration document ( s ) show that the Foreclosure Process is an entire Sham and a Cease & Desist of all forward movement has to occur or criminal charges regarding Indentured Servitude and Extortion to name a couple charges available may be filed against the opposition and their lawyer ( s ) who are also liable for continuing a criminal enterprise in defacto debt collection ( s ). The Notice of Default and Notice of Intent submitted by these claimant ( s ) follows : FROM : XXXX XXXX, a living woman, XXXX XXXX, As Attorney In Fact, XXXX XXXX XXXX  XXXX, CA XXXX, XX/XX/XXXX, TO : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Foreclosure Trustee, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX, Phone ( XXXX ) XXXX, Fax ( XXXX ) XXXX, TO : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, RESPONDENT, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, FL XXXX, Phone ( XXXX ) XXXX, Fax ( XXXX ) XXXX NOTICE OF ADMINISTRATIVE DEFAULT & NOTICE OF INTENT TO FILE COMPLAINT FOR ARBITRATION ENFORCEMENT The above claimant ( s ) filed Administrative Arbitration documents to the above Respondents who are attempting to foreclose on property owned by the Petitioner ( s ). Due to the silence of the Respondents to answer the Arbitration documents submitted to them the Respondents may think that Enforcement is not forthcoming as they did not expressly agree to Arbitration. The Petitioner does not need to form an agreement to Arbitrate as the Respondents have past claimed they have standing to represent their client ( s ) and/or litigate a Mortgage agreement that they either are party to or have been assigned on, or purchased as a Debt Collection Law Firm. Maritime Transactions, as herein defined, means charter parties, bills of lading of water carriers, agreements relating to wharfage, supplies furnished vessels or repairs to vessels, collisions, or any other matters in foreign commerce which, if the subject of controversy, would be embraced within admiralty jurisdiction commerce, as herein defined, means commerce among the several States or with foreign nations, or in any Territory of the United States or in the District of Columbia, or between any such Territory and another, or between any such Territory and any State or foreign nation, or between the District of Columbia and any State or Territory or foreign nation, but nothing herein contained shall apply to contracts of employment of seamen, railroad employees, or any other class of workers engaged in foreign or interstate commerce. ( see ) 9 U.S.C. 1. .. In regards to Foreign or Interstate Commerce : Public Law 89-485 July 1, 1966 AN ACT to amend the Bank Holding Company Act of 1956. SEC. 3 \" Bank ' means any institution that accepts deposits that the depositor has a legal right to withdraw on demand, but shall not include any organization operating under section 25 or section 25 ( a ) of the Federal Reserve Act, or any organization that does not do business within the United States. SEC. 6. \" ( h ) The application of this Act and of section 23A of the Federal Reserve Act ( 12 U.S.C. 371 ), as amended, shall not be affected by the fact that a transaction takes place wholly or partly outside the United States or that a company is organized or operates outside the United States : SEC. 12. ( a ) Section 23A of the Federal Reserve Act, as amended ( loans to affiliates ) ( 12 U.S.C. 371c ) ... Again at Title 9 U.S.C. : A written provision in any maritime transaction or a contract evidencing a transaction involving commerce to settle by arbitration a controversy thereafter arising out of such contract or transaction, or the refusal to perform the whole or any part thereof, or an agreement in writing to submit to arbitration an existing controversy arising out of such a contract, transaction, or refusal, shall be valid, irrevocable, and enforceable, save upon such grounds as exist at law or in equity for the revocation of any contract. ( see ) 9 U.S.C. 2. THE APPLICABLE DEED OF TRUST The Deed of Trust recorded XX/XX/XXXX, in the County of XXXX XXXX, at page ( 9 ) of ( 13 ) says at section ( 16 ) Governing Law ; Severability ; Rules of Construction : .All rights  and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract ... PLEASE TAKE NOTICE AND RESPOND ACCORDINGLY OPPOSITION TO ARBITRATION COSTS THE COURT California Civil Procedure 1775. The Legislature finds and declares that : ( a ) The peaceful resolution of disputes in a fair, timely, appropriate, and cost-effective manner is an essential function of the judicial branch of state government under Article VI of the California Constitution. ( b ) In the case of many disputes, litigation culminating in a trial is costly, time consuming, and stressful for the parties involved. Many disputes can be resolved in a fair and equitable manner through less formal processes. ( c ) Alternative processes for reducing the cost, time, and stress of dispute resolution, such as mediation, have been effectively used in California and elsewhere. In appropriate cases mediation provides parties with a simplified and economical procedure for obtaining prompt and equitable resolution of their disputes and a greater opportunity to participate directly in resolving these disputes. Mediation may also assist to reduce the backlog of cases burdening the judicial system. It is in the public interest for mediation to be encouraged and used where appropriate by the courts. ( d ) Mediation and similar alternative processes can have the greatest benefit for the parties in a civil action when used early, before substantial discovery and other litigation costs have been incurred. Where appropriate, participants in disputes should be encouraged to utilize mediation and other alternatives to trial for resolving their differences in the early stages of a civil action. ( e ) As a pilot project in XXXX XXXX County and in other counties which elect to apply this title, courts should be able to refer cases to appropriate dispute resolution processes such as judicial arbitration and mediation as an alternative to trial, consistent with the parties right to obtain a trial if a dispute is not resolved through an alternative process. ( f ) The purpose of this title is to encourage the use of court-annexed alternative dispute resolution methods in general, and mediation in particular. It is estimated that the average cost to the court for processing a civil case of the kind described in Section 1775.3 through judgment is XXXX XXXX XXXX XXXX XXXX dollars ( {$3900.00} ) for each judge day, and that a substantial portion of this cost can be saved if these cases are resolved before trial. ( emphasis bold, italics, Petitioner ) The Judicial Council, through the Administrative Office of the Courts, shall conduct a survey to determine the number of cases resolved by alternative dispute resolution authorized by this title, and shall estimate the resulting savings realized by the courts and the parties. The results of the survey shall be included in the report submitted pursuant to Section 1775.14. The programs authorized by this title shall be deemed successful if they result in estimated savings of at least XXXX XXXX XXXX XXXX dollars ( {$250000.00} ) to the courts and corresponding savings to the parties. ( Added by Stats. 1993, Ch. 1261, Sec. 4. Effective January 1, 1994. CA Civ. Proc. Sec. 1775 ( California Code ( 2019 Edition ) ) ARBITRATION IS COMMENCED UPON THE FOLLOWING : 1 ) Adhoc by a demand to arbitrate. 2 ) Institutional - very similar to a demand to arbitrate, addressed to the institution ; called a Request for Arbitration or Notice of Arbitration. Party-Autonomy to choose the method of Arbitration or Alternative Dispute Resolution General policies. It is the policy of most States to actively promote the use of various modes of ADR and to respect party autonomy or the freedom of the parties to make their own arrangements in the resolution of disputes with the greatest cooperation of and the least intervention from the courts. To this end, the objectives of the States ADR Rules are to encourage and promote the use of ADR, particularly arbitration and mediation, as an important means to achieve speedy and efficient resolution of disputes, impartial justice, curb a litigious culture and to de-clog court dockets. Declaration of Policy -To actively promote party autonomy in the resolution of disputes or the freedom of the parties to make their own arrangements to resolve their disputes -To encourage and actively promote the use of ADR to achieve speedy and impartial justice & de-clog court dockets Any party to an arbitration may request the court to act as an Appointing Authority in the instances specified in the Arbitration mailings made in this situation. In the event that one party defaults in answering the demand, the aggrieved party may file with the Clerk of the Court of First Instance having jurisdiction over the parties, a copy of the demand for arbitration under the contract to arbitrate, with a notice that the original demand was sent by registered mail or delivered in person to the party against whom the claim is asserted. Such demand shall set forth the nature of the controversy, the amount involved, if any, and the relief sought, and shall be accompanied by a true copy of the contract providing for arbitration. \" Early Neutral Evaluation '' means an ADR process wherein parties and their lawyers are brought together early in a pre-trial phase to present summaries of their cases and receive a nonbinding assessment by an experienced, neutral person, with expertise in the subject in the substance of the dispute. California Civil Procedure 1281.6 : If the arbitration agreement provides a method of appointing an arbitrator, that method shall be followed. If the arbitration agreement does not provide a method for appointing an arbitrator, the parties to the agreement who seek arbitration and against whom arbitration is sought may agree on a method of appointing an arbitrator and that method shall be followed. In the absence of an agreed method, or if the agreed method fails or for any reason can not be followed, or when an arbitrator appointed fails to act and his or her successor has not been appointed, the court, on petition of a party to the arbitration agreement, shall appoint the arbitrator. CA Civ. Proc. Sec. 1281.6 ( California Code ( 2019 Edition ) ). NOTICE OF DEFAULT IS PROPER The Petitioners mailings to all party ( s ) who claim standing have finished out and the Petitioner is entitled to Enforcement. Failure of the Respondents to answer is merely confirmation that the Court will not look favorably on the excessive costs that may now be incurred to litigate the necessary points and authorities that have already been made in the administrative mailings sent by the Petitioner. INTENT TO FILE COMPLAINT FOR ARBITRATION ENFORCEMENT The Respondent ( s ) have not offered to Settle out of Court as they have not answered any of the Administrative mailings for Arbitration this Petitioner has sent by registered or certified mail. The Respondents have ( 10 ) days from the date of this letter to respond or Court Enforcement will be commenced to the dismay of the already clogged up State Courts. TITLE 9 UNITED STATES CODE A party aggrieved by the alleged failure, neglect, or refusal of another to arbitrate under a written agreement for arbitration may petition any United States district court which, save for such agreement, would have jurisdiction under title 28, in a civil action or in admiralty of the subject matter of a suit arising out of the controversy between the parties, for an order directing that such arbitration proceed in the manner provided for in such agreement. ( ref ) 9 U.S.C. 4. I LOOK FORWARD TO YOUR REPLY TO THIS NOTICE OF INTENT. Thank you for your assistance in this matter, Respectfully, XXXX XXXX, XXXX XXXX in Fact, XXXX XXXX, Alternative Dispute Resolution or Arbitration Determination or Conclusory Documents were also sent to : XXXX XXXX COUNTY RECORDERS OFFICE, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX, Phone ( XXXX ) XXXX, Fax ( XXXX ) XXXX, CALIFORNIA STATE ATTORNEY GENERAL, XXXX XXXX, Attorney General, XXXX. XXXX  XXXX, XXXX, CA XXXX, Phone ( XXXX ) XXXX, US DEPARTMENT OF JUSTICE, ATTORNEY GENERAL, XXXX XXXX XXXX, XXXX, Washington, DC XXXX, Phone ( XXXX ) XXXX, Attentively, XXXX XXXX","date_sent_to_company":"2019-11-30T05:53:47.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"95076","tags":null,"has_narrative":true,"complaint_id":"3453884","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Law Offices of Les Zieve","date_received":"2019-11-30T00:47:49.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The recipients of the Administrative Arbitration <em>Documents</em> also Defaulted by remaining silent on the U.S. Govt 's interest in the <em>mortgages</em> and land 's <em>mortgaged</em> in this country in reference to the Admin. Arbitration <em>documents</em> mailed by certified u.s. postal."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Other type of <em>mortgage</em>"]},"sort":[11.171416,"3453884"]},{"_index":"complaint-public-v1","_id":"3453878","_score":11.131851,"_source":{"product":"Mortgage","complaint_what_happened":"The Bank-Lender and/or Successor ( s ) in the Mortgage and Note on the real property at XXXX XXXX XXXX XXXX XXXX, CA XXXX remained silent when Administrative Arbitration Documents were sent regarding their lack of authority to Foreclose on the subject real property. Deed of Trust recorded XX/XX/XXXX in XXXX County, California Document # XXXX on MIN # XXXX, has serious discrepancies in legal language to bind anyone to a mortgage contract with XXXX XXXX XXXX, XXXX XXXX XXXX  and/or its Successor ( s ). To Wit : The Note which precedes the deed of trust says : In return for a loan I have received, I promise to pay U.S. {$370000.00} ( this amount is called Principal plus interest to the order of the Lender. [ emphasis bold, mine ] However no money changed hands at the time of the alleged loan above. The Note was securitized later, roughly assumed to happen ( 5 ) days later and deposited by the Bank as an asset. Therefore the above language at the first paragraph of the original Note invalidates any mortgage agreement for being chronologically false. Fraud in the language above invalidates any Foreclosure occurring against the real property. Further evidence that is lacking is that under 18 USCA 1813 ( L ) ( 4 ) the Lender must issue a receipt for the promissory note deposited. It is asserted there will be no evidence forthcoming of such mandatory receipt in the entirety of the Defendant ( s ) possession. One of the reasons this evidence is likely hidden is that the \" borrower '' is the Originator under UCC 4A-104, and only the Note signatory is the Originator. This means Trover is an ongoing Enterprise in this Case whereupon the Bank-Lender and/or its Successors are attempting Conversion Theft. Under the BORROWER COVENANTS section of the Deed of Trust Agreement of XX/XX/XXXX,, there were no encumbrances of record as no money changed hands XX/XX/XXXX, There was no loan given by the Bank-Lender pursuant to 12 CFR 223.14, no collateral deposit was made by the Bank either on XX/XX/XXXX, and therefore the language of the Mortgage Agreement and its chronology is fraudulent. The Plaintiff and/or its Successors have not met their burden of proof in evidence to sustain a foreclosure on the real property. In addition to several demands for the Bank-Lender and/or its Successors to show proof of authority, and standing, to Foreclose upon the alleged \" Borrowers '' the Administrative Letters regarding Arbitration also showed an interest by U.S.Senate Report by the U.S. Government on all Mortgages since the Bankruptcy of 1933. The recipients of the Administrative Arbitration Documents also Defaulted by remaining silent on the U.S. Govt 's interest in the mortgages and land 's mortgaged in this country in reference to the Admin. Arbitration documents mailed by certified u.s. postal. Though the Law Firm ( s ) involved claim they did not have to respond to the alleged Borrower 's Administrative Arbitration documents, mailed, their silence to the step by step mailings leading to an Administrative Arbitration Award due to their silence prompts this Claimant to expose the Bank ( s ) and/or its Successor ( s ) to the clear Fraud they are perpetrating in collecting an alleged debt they have no verified loan in existence to prove there was anything more than a credit extension, and it is illegal to loan credit. ( see ) 12 CFR 223.14. The Notice of Intent to file a Complaint in the Court for Enforcement of the Arbitration Award, to the opposition 's silence follows and at least one Law Firm involved so far claims the Administrative process used is nonsensical. However, Arbitration does not have to proceed through the courts alone. Therefore the Petitioner ( s ) herein state they are entitled to the Administrative Arbitration Award, and that matter ( s ) expressed in the Arbitration document ( s ) show that the Foreclosure Process is an entire Sham and a Cease & Desist of all forward movement has to occur or criminal charges regarding Indentured Servitude and Extortion to name a couple charges available may be filed against the opposition and their lawyer ( s ) who are also liable for continuing a criminal enterprise in defacto debt collection ( s ). The Notice of Default and Notice of Intent submitted by these claimant ( s )  follows : FROM : XXXX XXXX XXXX, a living man XXXX XXXX XXXX  XXXX XXXX, CA. XXXX XX/XX/XXXX XXXX XXXX, President CEO, XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX, Phone ( XXXX ) XXXX, Fax ( XXXX ) XXXX ( XXXX ) XXXX CLEAR RECON CORP. , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, Phone ( XXXX ) XXXX, Fax ( XXXX ) XXXX ( XXXX ) XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX NOTICE OF ADMINISTRATIVE DEFAULT & NOTICE OF INTENT TO FILE COMPLAINT FOR ARBITRATION ENFORCEMENT The above claimant ( s ) filed Administrative Arbitration documents to the above Respondents who are attempting to foreclose on property owned by the Petitioner ( s ). Due to the silence of the Respondents to answer the Arbitration documents submitted to them the Respondents may think that Enforcement is not forthcoming as they did not expressly agree to Arbitration. The Petitioner does not need to form an agreement to Arbitrate as the Respondents have past claimed they have standing to represent their client ( s ) and/or litigate a Mortgage agreement that they either are party to or have been assigned on, or purchased as a Debt Collection Law Firm. Maritime Transactions, as herein defined, means charter parties, bills of lading of water carriers, agreements relating to wharfage, supplies furnished vessels or repairs to vessels, collisions, or any other matters in foreign commerce which, if the subject of controversy, would be embraced within admiralty jurisdiction commerce, as herein defined, means commerce among the several States or with foreign nations, or in any Territory of the United States or in the District of Columbia, or between any such Territory and another, or between any such Territory and any State or foreign nation, or between the District of Columbia and any State or Territory or foreign nation, but nothing herein contained shall apply to contracts of employment of seamen, railroad employees, or any other class of workers engaged in foreign or interstate commerce. ( see ) 9 U.S.C. 1. .. In regards to Foreign or Interstate Commerce : Public Law 89-485 XX/XX/XXXX AN ACT to amend the Bank Holding Company Act of 1956. SEC. 3 \" Bank ' means any institution that accepts deposits that the depositor has a legal right to withdraw on demand, but shall not include any organization operating under section 25 or section 25 ( a ) of the Federal Reserve Act, or any organization that does not do business within the United States. SEC. 6. \" ( h ) The application of this Act and of section 23A of the Federal Reserve Act ( 12 U.S.C. 371 ), as amended, shall not be affected by the fact that a transaction takes place wholly or partly outside the United States or that a company is organized or operates outside the United States : SEC. 12. ( a ) Section 23A of the Federal Reserve Act, as amended ( loans to affiliates ) ( 12 U.S.C. 371c ) ... Again at Title 9 U.S.C. : A written provision in any maritime transaction or a contract evidencing a transaction involving commerce to settle by arbitration a controversy thereafter arising out of such contract or transaction, or the refusal to perform the whole or any part thereof, or an agreement in writing to submit to arbitration an existing controversy arising out of such a contract, transaction, or refusal, shall be valid, irrevocable, and enforceable, save upon such grounds as exist at law or in equity for the revocation of any contract. ( see ) 9 U.S.C. 2. THE APPLICABLE DEED OF TRUST The Deed of Trust recorded XX/XX/XXXX, in the County of XXXX XXXX, at page ( 9 ) of ( 13 )  says at section ( 16 ) Governing Law ; Severability ; Rules of Construction : .All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract ... PLEASE TAKE NOTICE AND RESPOND ACCORDINGLY OPPOSITION TO ARBITRATION COSTS THE COURT California Civil Procedure 1775. The Legislature finds and declares that : ( a ) The peaceful resolution of disputes in a fair, timely, appropriate, and cost-effective manner is an essential function of the judicial branch of state government under Article VI of the California Constitution. ( b ) In the case of many disputes, litigation culminating in a trial is costly, time consuming, and stressful for the parties involved. Many disputes can be resolved in a fair and equitable manner through less formal processes. ( c ) Alternative processes for reducing the cost, time, and stress of dispute resolution, such as mediation, have been effectively used in California and elsewhere. In appropriate cases mediation provides parties with a simplified and economical procedure for obtaining prompt and equitable resolution of their disputes and a greater opportunity to participate directly in resolving these disputes. Mediation may also assist to reduce the backlog of cases burdening the judicial system. It is in the public interest for mediation to be encouraged and used where appropriate by the courts. ( d ) Mediation and similar alternative processes can have the greatest benefit for the parties in a civil action when used early, before substantial discovery and other litigation costs have been incurred. Where appropriate, participants in disputes should be encouraged to utilize mediation and other alternatives to trial for resolving their differences in the early stages of a civil action. ( e ) As a pilot project in XXXX XXXX County and in other counties which elect to apply this title, courts should be able to refer cases to appropriate dispute resolution processes such as judicial arbitration and mediation as an alternative to trial, consistent with the parties right to obtain a trial if a dispute is not resolved through an alternative process. ( f ) The purpose of this title is to encourage the use of court-annexed alternative dispute resolution methods in general, and mediation in particular. It is estimated that the average cost to the court for processing a civil case of the kind described in Section 1775.3 through judgment is XXXX XXXX XXXX XXXX XXXX dollars ( {$3900.00} ) for each judge day, and that a substantial portion of this cost can be saved if these cases are resolved before trial. ( emphasis bold, italics, Petitioner ) The Judicial Council, through the Administrative Office of the Courts, shall conduct a survey to determine the number of cases resolved by alternative dispute resolution authorized by this title, and shall estimate the resulting savings realized by the courts and the parties. The results of the survey shall be included in the report submitted pursuant to Section 1775.14. The programs authorized by this title shall be deemed successful if they result in estimated savings of at least XXXX XXXX XXXX XXXX dollars ( {$250000.00} ) to the courts and corresponding savings to the parties. ( Added by Stats. 1993, Ch. 1261, Sec. 4. Effective XX/XX/XXXX. CA Civ. Proc. Sec. 1775 ( California Code ( 2019 Edition ) ) ARBITRATION IS COMMENCED UPON THE FOLLOWING : 1 ) Adhoc by a demand to arbitrate. 2 ) Institutional - very similar to a demand to arbitrate, addressed to the institution ; called a Request for Arbitration or Notice of Arbitration. Party-Autonomy to choose the method of Arbitration or Alternative Dispute Resolution General policies. It is the policy of most States to actively promote the use of various modes of ADR and to respect party autonomy or the freedom of the parties to make their own arrangements in the resolution of disputes with the greatest cooperation of and the least intervention from the courts. To this end, the objectives of the States ADR Rules are to encourage and promote the use of ADR, particularly arbitration and mediation, as an important means to achieve speedy and efficient resolution of disputes, impartial justice, curb a litigious culture and to de-clog court dockets. Declaration of Policy -To actively promote party autonomy in the resolution of disputes or the freedom of the parties to make their own arrangements to resolve their disputes -To encourage and actively promote the use of ADR to achieve speedy and impartial justice & de-clog court dockets Any party to an arbitration may request the court to act as an Appointing Authority in the instances specified in the Arbitration mailings made in this situation. In the event that one party defaults in answering the demand, the aggrieved party may file with the Clerk of the Court of First Instance having jurisdiction over the parties, a copy of the demand for arbitration under the contract to arbitrate, with a notice that the original demand was sent by registered mail or delivered in person to the party against whom the claim is asserted. Such demand shall set forth the nature of the controversy, the amount involved, if any, and the relief sought, and shall be accompanied by a true copy of the contract providing for arbitration. \" Early Neutral Evaluation '' means an ADR process wherein parties and their lawyers are brought together early in a pre-trial phase to present summaries of their cases and receive a nonbinding assessment by an experienced, neutral person, with expertise in the subject in the substance of the dispute. California Civil Procedure 1281.6 : If the arbitration agreement provides a method of appointing an arbitrator, that method shall be followed. If the arbitration agreement does not provide a method for appointing an arbitrator, the parties to the agreement who seek arbitration and against whom arbitration is sought may agree on a method of appointing an arbitrator and that method shall be followed. In the absence of an agreed method, or if the agreed method fails or for any reason can not be followed, or when an arbitrator appointed fails to act and his or her successor has not been appointed, the court, on petition of a party to the arbitration agreement, shall appoint the arbitrator. CA Civ. Proc. Sec. 1281.6 ( California Code ( 2019 Edition ) ). NOTICE OF DEFAULT IS PROPER The Petitioners mailings to all party ( s ) who claim standing have finished out and the Petitioner is entitled to Enforcement. Failure of the Respondents to answer is merely confirmation that the Court will not look favorably on the excessive costs that may now be incurred to litigate the necessary points and authorities that have already been made in the administrative mailings sent by the Petitioner. INTENT TO FILE COMPLAINT FOR ARBITRATION ENFORCEMENT The Respondent ( s ) have not offered to Settle out of Court as they have not answered any of the Administrative mailings for Arbitration this Petitioner has sent by registered or certified mail. The Respondents have ( 10 ) days from the date of this letter to respond or Court Enforcement will be commenced to the dismay of the already clogged up State Courts. TITLE 9 UNITED STATES CODE A party aggrieved by the alleged failure, neglect, or refusal of another to arbitrate under a written agreement for arbitration may petition any United States district court which, save for such agreement, would have jurisdiction under title 28, in a civil action or in admiralty of the subject matter of a suit arising out of the controversy between the parties, for an order directing that such arbitration proceed in the manner provided for in such agreement. ( ref ) 9 U.S.C. 4. I LOOK FORWARD TO YOUR REPLY TO THIS NOTICE OF INTENT. Thank you for your assistance in this matter, Respectfully, _________________________  XXXX XXXX XXXX XXXX Dispute Resolution or Arbitration Determination or Conclusory Documents were also sent to : XXXX COUNTY RECORDERS OFFICE, XXXX XXXX XXXX XXXX, XXXX, CA XXXX, Phone ( XXXX ) XXXX, CALIFORNIA STATE ATTORNEY GENERA, XXXX XXXX, Attorney General, XXXX. XXXX  XXXX, XXXX, CA XXXX, Phone ( XXXX ) XXXX, US DEPARTMENT OF JUSTICE, ATTORNEY GENERAL, XXXX XXXX XXXX, XXXX, Washington, DC XXXX, Phone ( XXXX ) XXXX, Attentively, XXXX XXXX XXXX","date_sent_to_company":"2019-11-29T23:06:40.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"95076","tags":null,"has_narrative":true,"complaint_id":"3453878","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Aldridge Pite, LLP","date_received":"2019-11-29T23:01:13.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["The recipients of the Administrative Arbitration <em>Documents</em> also Defaulted by remaining silent on the U.S. Govt 's interest in the <em>mortgages</em> and land 's <em>mortgaged</em> in this country in reference to the Admin. Arbitration <em>documents</em> mailed by certified u.s. postal."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Other type of <em>mortgage</em>"]},"sort":[11.131851,"3453878"]},{"_index":"complaint-public-v1","_id":"3453872","_score":11.131851,"_source":{"product":"Mortgage","complaint_what_happened":"The Bank-Lender and/or Successor ( s ) in the Mortgage and Note on the real property at XXXX XXXX XXXX, XXXX, CA XXXX remained silent when Administrative Arbitration Documents were sent regarding their lack of authority to Foreclose on the subject real property. Deed of Trust recorded XX/XX/XXXX in XXXX XXXX County, California Document # XXXX on MIN # XXXX, has serious discrepancies in legal language to bind anyone to a mortgage contract with XXXX XXXX  XXXX. and/or its Successor ( s ). To Wit : The Note which precedes the deed of trust says : In return for a loan I have received, I promise to pay U.S. {$650000.00} ( this amount is called Principal plus interest to the order of the Lender. [ emphasis bold, mine ] However no money changed hands at the time of the alleged loan above. The Note was securitized later, roughly assumed to happen ( 5 ) days later and deposited by the Bank as an asset. Therefore the above language at the first paragraph of the original Note invalidates any mortgage agreement for being chronologically false. Fraud in the language above invalidates any Foreclosure occurring against the real property. Further evidence that is lacking is that under 18 USCA 1813 ( L ) ( 4 ) the Lender must issue a receipt for the promissory note deposited. It is asserted there will be no evidence forthcoming of such mandatory receipt in the entirety of the Defendant ( s ) possession. One of the reasons this evidence is likely hidden is that the \" borrower '' is the Originator under UCC 4A-104, and only the Note signatory is the Originator. This means Trover is an ongoing Enterprise in this Case whereupon the Bank-Lender and/or its Successors are attempting Conversion Theft. Under the BORROWER COVENANTS section of the Deed of Trust Agreement of XX/XX/XXXX,, there were no encumbrances of record as no money changed hands XX/XX/XXXX, There was no loan given by the Bank-Lender pursuant to 12 CFR 223.14, no collateral deposit was made by the Bank either on XX/XX/XXXX, and therefore the language of the Mortgage Agreement and its chronology is fraudulent. The Plaintiff and/or its Successors have not met their burden of proof in evidence to sustain a foreclosure on the real property. In addition to several demands for the Bank-Lender and/or its Successors to show proof of authority, and standing, to Foreclose upon the alleged \" Borrowers '' the Administrative Letters regarding Arbitration also showed an interest by U.S.Senate Report by the U.S. Government on all Mortgages since the Bankruptcy of 1933. The recipients of the Administrative Arbitration Documents also Defaulted by remaining silent on the U.S. Govt 's interest in the mortgages and land 's mortgaged in this country in reference to the Admin. Arbitration documents mailed by certified u.s. postal. Though the Law Firm ( s ) involved claim they did not have to respond to the alleged Borrower 's Administrative Arbitration documents, mailed, their silence to the step by step mailings leading to an Administrative Arbitration Award due to their silence prompts this Claimant to expose the Bank ( s ) and/or its Successor ( s ) to the clear Fraud they are perpetrating in collecting an alleged debt they have no verified loan in existence to prove there was anything more than a credit extension, and it is illegal to loan credit. ( see ) 12 CFR 223.14. The Notice of Intent to file a Complaint in the Court for Enforcement of the Arbitration Award, to the opposition 's silence follows and at least one Law Firm involved so far claims the Administrative process used is nonsensical. However, Arbitration does not have to proceed through the courts alone. Therefore the Petitioner ( s ) herein state they are entitled to the Administrative Arbitration Award, and that matter ( s ) expressed in the Arbitration document ( s ) show that the Foreclosure Process is an entire Sham and a Cease & Desist of all forward movement has to occur or criminal charges regarding Indentured Servitude and Extortion to name a couple charges available may be filed against the opposition and their lawyer ( s ) who are also liable for continuing a criminal enterprise in defacto debt collection ( s ). The Notice of Default and Notice of Intent submitted by these claimant ( s ) follows : FROM : XXXX XXXX, a living woman, XXXX XXXX, As Attorney In Fact, XXXX XXXX XXXX XXXXXXXX, CA XXXX, XX/XX/XXXX, TO : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX, Foreclosure Trustee, XXXX XXXX   XXXX, XXXX XXXX, XXXX, CA XXXX, Phone ( XXXX ) XXXX, Fax ( XXXX ) XXXX, TO : XXXX XXXX, CEO, Bayview Loan Servicing LLC, RESPONDENT, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, FL XXXX, Phone ( XXXX ) XXXX, Fax ( XXXX ) XXXX NOTICE OF ADMINISTRATIVE DEFAULT & NOTICE OF INTENT TO FILE COMPLAINT FOR ARBITRATION ENFORCEMENT The above claimant ( s ) filed Administrative Arbitration documents to the above Respondents who are attempting to foreclose on property owned by the Petitioner ( s ). Due to the silence of the Respondents to answer the Arbitration documents submitted to them the Respondents may think that Enforcement is not forthcoming as they did not expressly agree to Arbitration. The Petitioner does not need to form an agreement to Arbitrate as the Respondents have past claimed they have standing to represent their client ( s ) and/or litigate a Mortgage agreement that they either are party to or have been assigned on, or purchased as a Debt Collection Law Firm. Maritime Transactions, as herein defined, means charter parties, bills of lading of water carriers, agreements relating to wharfage, supplies furnished vessels or repairs to vessels,  collisions, or any other matters in foreign commerce which, if the subject of controversy, would be embraced within admiralty jurisdiction commerce, as herein defined, means commerce among the several States or with foreign nations, or in any Territory of the United States or in the District of Columbia, or between any such Territory and another, or between any such Territory and any State or foreign nation, or between the District of Columbia and any State or Territory or foreign nation, but nothing herein contained shall apply to contracts of employment of seamen, railroad employees, or any other class of workers engaged in foreign or interstate commerce. ( see ) 9 U.S.C. 1.  .. In regards to Foreign or Interstate Commerce : Public Law 89-485 July 1, 1966 AN ACT to amend the Bank Holding Company Act of 1956. SEC. 3 \" Bank ' means any institution that accepts deposits that the depositor has a legal right to withdraw on demand, but shall not include any organization operating under section 25 or section 25 ( a ) of the Federal Reserve Act, or any organization that does not do business within the United States. SEC. 6. \" ( h ) The application of this Act and of section 23A of the Federal Reserve Act ( 12 U.S.C. 371 ), as amended, shall not be affected by the fact that a transaction takes place wholly or partly outside the United States or that a company is organized or operates outside the United States : SEC. 12. ( a ) Section 23A of the Federal Reserve Act, as amended ( loans to affiliates ) ( 12 U.S.C. 371c ) ... Again at Title 9 U.S.C. : A written provision in any maritime transaction or a contract evidencing a  transaction involving commerce to settle by arbitration a controversy thereafter arising out of such contract or transaction, or the refusal to perform the whole or any part thereof, or an agreement in writing to submit to arbitration an existing controversy arising out of such a contract, transaction, or refusal, shall be valid, irrevocable, and enforceable, save upon such grounds as exist at law or in equity for the revocation of any contract. ( see ) 9 U.S.C. 2. THE APPLICABLE DEED OF TRUST The Deed of Trust recorded XX/XX/XXXX, in the County of XXXX XXXX, at page ( 9 ) of ( 13 ) says at section ( 16 ) Governing Law ;  Severability ; Rules of Construction : .All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract ... PLEASE TAKE NOTICE AND RESPOND ACCORDINGLY OPPOSITION TO ARBITRATION COSTS THE COURT California Civil Procedure 1775. The Legislature finds and declares that : ( a ) The peaceful resolution of disputes in a fair, timely, appropriate, and cost-effective manner is an essential function of the judicial branch of state government under Article VI of the California Constitution. ( b ) In the case of many disputes, litigation culminating in a trial is costly, time consuming, and stressful for the parties involved. Many disputes can be resolved in a fair and equitable manner through less formal processes. ( c ) Alternative processes for reducing the cost, time, and stress of dispute resolution, such as mediation, have been effectively used in California and elsewhere. In appropriate cases mediation provides parties with a simplified and economical procedure for obtaining prompt and equitable resolution of their disputes and a greater opportunity to participate directly in resolving these disputes. Mediation may also assist to reduce the backlog of cases burdening the judicial system. It is in the public interest for mediation to be encouraged and used where appropriate by the courts. ( d ) Mediation and similar alternative processes can have the greatest benefit for the parties in a civil action when used early, before substantial discovery and other litigation costs have been incurred. Where appropriate, participants in disputes should be encouraged to utilize mediation and other alternatives to trial for resolving their differences in the early stages of a civil action. ( e ) As a pilot project in XXXX XXXX County and in other counties which elect to apply this title, courts should be able to refer cases to appropriate dispute resolution processes such as judicial arbitration and mediation as an alternative to trial, consistent with the parties right to obtain a trial if a dispute is not resolved through an alternative process. ( f ) The purpose of this title is to encourage the use of court-annexed alternative dispute resolution methods in general, and mediation in particular. It is estimated that the average cost to the court for processing a civil case of the kind described in Section 1775.3 through judgment is XXXX XXXX XXXX XXXX XXXX dollars ( {$3900.00} ) for each judge day, and that a substantial portion of this cost can be saved if these cases are resolved before trial. ( emphasis bold, italics, Petitioner ) The Judicial Council, through the Administrative Office of the Courts, shall conduct a survey to determine the number of cases resolved by alternative dispute resolution authorized by this title, and shall estimate the resulting savings realized by the courts and the parties. The results of the survey shall be included in the report submitted pursuant to Section 1775.14. The programs authorized by this title shall be deemed successful if they result in estimated savings of at least two hundred fifty thousand dollars ( {$250000.00} ) to the courts and corresponding savings to the parties. ( Added by Stats. 1993, Ch. 1261, Sec. 4. Effective January 1, 1994. CA Civ. Proc. Sec. 1775 ( California Code ( 2019 Edition ) ) ARBITRATION IS  COMMENCED UPON THE FOLLOWING : 1 )  Adhoc by a demand to arbitrate. 2 ) Institutional - very similar to a demand to arbitrate, addressed to the institution ; called a Request for Arbitration or Notice of Arbitration. Party-Autonomy to choose the method of Arbitration or Alternative Dispute Resolution General policies. It is the policy of most States to actively promote the use of various modes of ADR and to respect party autonomy or the  freedom of the parties to make their own arrangements in the resolution of disputes with the greatest cooperation of and the least intervention from the courts. To this end, the objectives of the States ADR Rules are to encourage and promote the use of ADR, particularly arbitration and mediation, as an important means to achieve speedy and efficient resolution of disputes, impartial justice, curb a litigious culture and to de-clog court dockets. Declaration of Policy -To actively promote party autonomy in the resolution of disputes or the freedom of the parties to make their own arrangements to resolve their disputes -To encourage and actively promote the use of ADR to achieve speedy and impartial justice & de-clog court dockets Any party to an arbitration may request the court to act as an Appointing Authority in the instances specified in the Arbitration mailings made in this situation. In the event that one party defaults in answering the demand, the aggrieved party may file with the Clerk of the Court of First Instance having jurisdiction over the parties, a copy of the demand for arbitration under the contract to arbitrate, with a notice that the original demand was sent by registered mail or delivered in person to the party against whom the claim is asserted. Such demand shall set forth the nature of the controversy, the amount involved, if any, and the relief sought, and shall be accompanied by a true copy of the contract providing for arbitration. \" Early Neutral Evaluation '' means an ADR process wherein parties and their lawyers are brought together early in a pre-trial phase to present summaries of their cases and receive a nonbinding assessment by an experienced, neutral person, with expertise in the subject in the substance of the dispute. California Civil Procedure 1281.6 : If the arbitration agreement provides a method of appointing an arbitrator, that method shall be followed. If the arbitration agreement does not provide a method for appointing an arbitrator, the parties to the agreement who seek arbitration and against whom arbitration is sought may agree on a method of appointing an arbitrator and that method shall be followed. In the absence of an agreed method, or if the agreed method fails or for any reason can not be followed, or when an arbitrator appointed fails to act and his or her successor has not been appointed, the court, on petition of a party to the arbitration agreement, shall appoint the arbitrator. CA Civ. Proc. Sec. 1281.6 ( California Code ( XX/XX/XXXXEdition ) ). NOTICE OF DEFAULT IS PROPER The Petitioners mailings to all party ( s ) who claim standing have finished out and the Petitioner is entitled to Enforcement. Failure of the Respondents to answer is merely confirmation that the Court will not look favorably on the excessive costs that may now be incurred to litigate the necessary points and authorities that have already been made in the administrative mailings sent by the Petitioner. INTENT TO FILE COMPLAINT FOR ARBITRATION ENFORCEMENT The Respondent ( s ) have not offered to Settle out of Court as they have not answered any of the Administrative mailings for Arbitration this Petitioner has sent by registered or certified mail. The Respondents have ( 10 ) days from the date of this letter to respond or Court Enforcement will be commenced to the dismay of the already clogged up State Courts. TITLE 9 UNITED STATES CODE A party aggrieved by the alleged failure, neglect, or refusal of another to arbitrate under a written agreement for arbitration may petition any United States district court which, save for such agreement, would have jurisdiction under title 28, in a civil action or in admiralty of the subject matter of a suit arising out of the controversy between the parties, for an order directing that such arbitration proceed in the manner provided for in such agreement. ( ref ) 9 U.S.C. 4. I LOOK FORWARD TO YOUR REPLY TO THIS NOTICE OF INTENT. Thank you for your assistance in this matter, Respectfully, XXXX XXXX, XXXX XXXXAttorney in Fact, XXXX XXXX, Alternative Dispute Resolution or Arbitration Determination or Conclusory Documents were also sent to : XXXX XXXX COUNTY RECORDERS OFFICE, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX, Phone ( XXXX ) XXXX, Fax ( XXXX ) XXXX, CALIFORNIA STATE ATTORNEY GENERAL, XXXX XXXX, Attorney General, XXXX. XXXX   XXXX, XXXX, CA XXXX, Phone ( XXXX ) XXXX, US DEPARTMENT OF JUSTICE, ATTORNEY GENERAL, XXXX XXXX  XXXX, XXXX, Washington, DC XXXX, Phone ( XXXX ) XXXX, Attentively, XXXX XXXX","date_sent_to_company":"2019-11-30T05:44:20.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"95076","tags":null,"has_narrative":true,"complaint_id":"3453872","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)","date_received":"2019-11-30T00:31:21.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The recipients of the Administrative Arbitration <em>Documents</em> also Defaulted by remaining silent on the U.S. Govt 's interest in the <em>mortgages</em> and land 's <em>mortgaged</em> in this country in reference to the Admin. Arbitration <em>documents</em> mailed by certified u.s. postal."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Other type of <em>mortgage</em>"]},"sort":[11.131851,"3453872"]},{"_index":"complaint-public-v1","_id":"3453814","_score":11.131851,"_source":{"product":"Mortgage","complaint_what_happened":"The Bank-Lender and/or Successor ( s ) in the Mortgage and Note on the real property at XXXX XXXX XXXX  XXXX XXXX, CA XXXX remained silent when Administrative Arbitration Documents were sent regarding their lack of authority to Foreclose on the subject real property. Deed of Trust recorded XX/XX/XXXX in XXXX County, California Document # XXXX on MIN # XXXX, has serious discrepancies in legal language to bind anyone to a mortgage contract with XXXX XXXX XXXX, XXXX XXXX XXXX and/or its Successor ( s ). To Wit : The Note which precedes the deed of trust says : In return for a loan I have received, I promise to pay U.S. {$370000.00} ( this amount is called Principal plus interest to the order of the Lender. [ emphasis bold, mine ] However no money changed hands at the time of the alleged loan above. The Note was securitized later, roughly assumed to happen ( 5 ) days later and deposited by the Bank as an asset. Therefore the above language at the first paragraph of the original Note invalidates any mortgage agreement for being chronologically false. Fraud in the language above invalidates any Foreclosure occurring against the real property. Further evidence that is lacking is that under XXXX8 USCA 1813 ( L ) ( 4 ) the Lender must issue a receipt for the promissory note deposited. It is asserted there will be no evidence forthcoming of such mandatory receipt in the entirety of the Defendant ( s ) possession. One of the reasons this evidence is likely hidden is that the \" borrower '' is the Originator under UCC 4A-104, and only the Note signatory is the Originator. This means Trover is an ongoing Enterprise in this Case whereupon the Bank-Lender and/or its Successors are attempting Conversion Theft. Under the BORROWER COVENANTS section of the Deed of Trust Agreement of XX/XX/XXXX,, there were no encumbrances of record as no money changed hands XX/XX/XXXX, There was no loan given by the Bank-Lender pursuant to 12 CFR 223.14, no collateral deposit was made by the Bank either on XX/XX/XXXX, and therefore the language of the Mortgage Agreement and its chronology is fraudulent. The Plaintiff and/or its  Successors have not met their burden of proof in evidence to sustain a foreclosure on the real property. In addition to several demands for the Bank-Lender and/or its Successors to show proof of authority, and standing, to Foreclose upon the alleged \" Borrowers '' the Administrative Letters regarding Arbitration also showed an interest by U.S.Senate Report by the U.S. Government on all Mortgages since the Bankruptcy of 1933. The recipients of the Administrative Arbitration Documents also Defaulted by remaining silent on the U.S. Govt 's interest in the mortgages and land 's mortgaged in this country in reference to the Admin. Arbitration documents mailed by certified u.s. postal. Though the Law Firm ( s ) involved claim they did not have to respond to the alleged Borrower 's Administrative Arbitration documents, mailed, their silence to the step by step mailings leading to an Administrative Arbitration Award due to their silence prompts this Claimant to expose the Bank ( s ) and/or its Successor ( s ) to the clear Fraud they are perpetrating in collecting an alleged debt they have no verified loan in existence to prove there was anything more than a credit extension, and it is illegal to loan credit. ( see ) 12 CFR 223.14. The Notice of Intent to file a Complaint in the Court for Enforcement of the Arbitration Award, to the opposition 's silence follows and at least one Law Firm involved so far claims the Administrative process used is nonsensical. However, Arbitration does not have to proceed through the courts alone. Therefore the Petitioner ( s ) herein state they are entitled to the Administrative Arbitration Award, and that matter ( s ) expressed in the Arbitration document ( s ) show that the Foreclosure Process is an entire Sham and a Cease & Desist of all forward movement has to occur or criminal charges regarding Indentured Servitude and Extortion to name a couple charges available may be filed against the opposition and their lawyer ( s ) who are also liable for continuing a criminal enterprise in defacto debt collection ( s ). The Notice of Default and Notice of Intent submitted by these claimant ( s )  follows : FROM : XXXX XXXX XXXX, a living man XXXX XXXX XXXX  XXXX XXXX, CA. XXXX XX/XX/XXXX XXXX XXXX, President CEO, BSI Financial Services XXXX. XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX, Phone ( XXXX ) XXXX, Fax ( XXXX ) XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, Phone ( XXXX ) XXXX, Fax ( XXXX ) XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX East XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX NOTICE OF ADMINISTRATIVE DEFAULT & NOTICE OF INTENT TO FILE COMPLAINT FOR ARBITRATION ENFORCEMENT The above claimant ( s ) filed Administrative Arbitration documents to the above Respondents who are attempting to foreclose on property owned by the Petitioner ( s ). Due to the silence of the Respondents to answer the Arbitration documents submitted to them the Respondents may think that Enforcement is not forthcoming as they did not expressly agree to Arbitration. The Petitioner does not need to form an agreement to Arbitrate as the Respondents have past claimed they have standing to represent their client ( s ) and/or litigate a Mortgage agreement that they either are party to or have been assigned on, or purchased as a Debt Collection Law Firm. Maritime Transactions, as herein defined, means charter parties, bills of lading of water carriers, agreements relating to wharfage, supplies furnished vessels or repairs to vessels, collisions, or any other matters in foreign commerce which, if the subject of controversy, would be embraced within admiralty jurisdiction commerce, as herein defined, means commerce among the several States or with foreign nations, or in any Territory of the United States or in the District of Columbia, or between any such Territory and another, or between any such Territory and any State or foreign nation, or between the District of Columbia and any State or Territory or foreign nation, but nothing herein contained shall apply to contracts of employment of seamen, railroad employees, or any other class of workers engaged in foreign or interstate commerce. ( see ) 9 U.S.C. 1. .. In regards to Foreign or Interstate Commerce : Public Law 89-485 XX/XX/XXXX AN ACT to amend the Bank Holding Company Act of 1956. SEC. 3 \" Bank ' means any institution that accepts deposits that the depositor has a legal right to withdraw on demand, but shall not include any organization operating under section 25 or section 25 ( a ) of the Federal Reserve Act, or any organization that does not do business within the United States. SEC. 6. \" ( h ) The application of this Act and of section 23A of the Federal Reserve Act ( 12 U.S.C. 371 ), as amended, shall not be affected by the fact that a transaction takes place wholly or partly outside the United States or that a company is organized or operates outside the United States : SEC. 12. ( a ) Section 23A of the Federal Reserve Act, as amended ( loans to affiliates ) ( 12 U.S.C. 371c ) ... Again at Title 9 U.S.C. : A written provision in any maritime transaction or a contract evidencing a transaction involving commerce to settle by arbitration a controversy thereafter arising out of such contract or transaction, or the refusal to perform the whole or any part thereof, or an agreement in writing to submit to arbitration an existing controversy arising out of such a contract, transaction, or refusal, shall be valid, irrevocable, and enforceable, save upon such grounds as exist at law or in equity for the revocation of any contract. ( see ) 9 U.S.C. 2. THE APPLICABLE DEED OF TRUST  The Deed of Trust recorded XX/XX/XXXX, in the County of XXXX XXXX, at page ( 9 ) of ( 13 ) says at section ( 16 ) Governing Law ; Severability ; Rules of Construction : .All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent, but such silence shall not be construed as a prohibition against agreement by contract ... PLEASE TAKE NOTICE AND RESPOND ACCORDINGLY OPPOSITION TO ARBITRATION COSTS THE COURT California Civil Procedure 1775. The Legislature finds and declares that : ( a ) The peaceful resolution of disputes in a fair, timely, appropriate, and cost-effective manner is an essential function of the judicial branch of state government under Article VI of the California Constitution. ( b ) In the case of many disputes, litigation culminating in a trial is costly, time consuming, and stressful for the parties involved. Many disputes can be resolved in a fair and equitable manner through less formal processes. ( c ) Alternative processes for reducing the cost, time, and stress of dispute resolution, such as mediation, have been effectively used in California and elsewhere. In appropriate cases mediation provides parties with a simplified and economical procedure for obtaining prompt and equitable resolution of their disputes and a greater opportunity to participate directly in resolving these disputes. Mediation may also assist to reduce the backlog of cases burdening the judicial system. It is in the public interest for mediation to be encouraged and used where appropriate by the courts. ( d ) Mediation and similar alternative processes can have the greatest benefit for the parties in a civil action when used early, before substantial discovery and other litigation costs have been incurred. Where appropriate, participants in disputes should be encouraged to utilize mediation and other alternatives to trial for resolving their differences in the early stages of a civil action. ( e ) As a pilot project in XXXX XXXX County and in other counties which elect to apply this title, courts should be able to refer cases to appropriate dispute resolution processes such as judicial arbitration and mediation as an alternative to trial, consistent with the parties right to obtain a trial if a dispute is not resolved through an alternative process. ( f ) The purpose of this title is to encourage the use of court-annexed alternative dispute resolution methods in general, and mediation in particular. It is estimated that the average cost to the court for processing a civil case of the kind described in Section 1775.3 through  judgment is XXXX XXXX XXXX XXXX XXXX dollars ( {$3900.00} ) for each judge day, and that a substantial portion of this cost can be saved if these cases are resolved before trial. ( emphasis bold, italics, Petitioner ) The Judicial Council, through the Administrative Office of the Courts, shall conduct a survey to determine the number of cases resolved by alternative dispute resolution authorized by this title, and shall estimate the resulting savings realized by the courts and the parties. The results of the survey shall be included in the report submitted pursuant to Section 1775.14. The programs authorized by this title shall be deemed successful if they result in estimated savings of at least XXXX XXXX XXXX XXXX dollars ( {$250000.00} ) to the courts and corresponding savings to the parties. ( Added by Stats. 1993, Ch. 1261, Sec. 4. Effective XX/XX/XXXX. CA Civ. Proc. Sec. 1775 ( California Code ( 2019 Edition ) ) ARBITRATION IS COMMENCED UPON THE FOLLOWING : 1 ) Adhoc by a demand to arbitrate. 2 ) Institutional - very similar to a demand to arbitrate, addressed to the institution ; called a Request for Arbitration or Notice of Arbitration. Party-Autonomy to choose the method of Arbitration or Alternative Dispute Resolution General policies. It is the policy of most States to actively promote the use of various modes of ADR and to respect party autonomy or the freedom of the parties to make their own arrangements in the resolution of disputes with the greatest cooperation of and the least intervention from the courts. To this end, the objectives of the States ADR Rules are to encourage and promote the use of ADR, particularly arbitration and mediation, as an important means to achieve speedy and efficient resolution of disputes, impartial justice, curb a litigious culture and to de-clog court dockets. Declaration of Policy -To actively promote party autonomy in the resolution of disputes or the freedom of the parties to make their own arrangements to resolve their disputes -To encourage and actively promote the use of ADR to achieve speedy and impartial justice & de-clog court dockets Any party to an arbitration may request the court to act as an Appointing Authority in the instances specified in the Arbitration mailings made in this situation. In the event that one party defaults in answering the demand, the aggrieved party may file with the Clerk of the Court of First Instance having jurisdiction over the parties, a copy of the demand for arbitration under the contract to arbitrate, with a notice that the original demand was sent by registered mail or delivered in person to the party against whom the claim is asserted. Such demand shall set forth the nature of the controversy, the amount involved, if any, and the relief sought, and shall be accompanied by a true copy of the contract providing for arbitration. \" Early Neutral Evaluation '' means an ADR process wherein parties and their lawyers are brought together early in a pre-trial phase to present summaries of their cases and receive a nonbinding assessment by an experienced, neutral person, with expertise in the subject in the substance of the dispute. California Civil Procedure 1281.6 : If the arbitration agreement provides a method of appointing an arbitrator, that method shall be followed. If the arbitration agreement does not provide a method for appointing an arbitrator, the parties to the agreement who seek arbitration and against whom arbitration is sought may agree on  a method of appointing an arbitrator and that method shall be followed. In the absence of an agreed method, or if the agreed method fails or for any reason can not be followed, or when an arbitrator appointed fails to act and his or her successor has not been appointed, the court, on petition of a party to the arbitration agreement, shall appoint the arbitrator. CA Civ. Proc. Sec. 1281.6 ( California Code ( 2019 Edition ) ). NOTICE OF DEFAULT IS PROPER The Petitioners mailings to all party ( s ) who claim standing have finished out and the Petitioner is entitled to Enforcement. Failure of the Respondents to answer is merely confirmation that the Court will not look favorably on the excessive costs that may now be incurred to litigate the necessary points and authorities that have already been made in the administrative mailings sent by the Petitioner. INTENT TO FILE COMPLAINT FOR ARBITRATION ENFORCEMENT The Respondent ( s ) have not offered to Settle out of Court as they have not answered any of the Administrative mailings for Arbitration this Petitioner has sent by registered or certified mail. The Respondents have ( 10 ) days from the date of this letter to respond or Court Enforcement will be commenced to the dismay of the already clogged up State Courts. TITLE 9 UNITED STATES CODE A party aggrieved by the alleged failure, neglect, or refusal of another to arbitrate under a written agreement for arbitration may petition any United States district court which, save for such agreement, would have jurisdiction under title 28, in a civil action or in admiralty of the subject matter of a suit arising out of the controversy between the parties, for an order directing that such arbitration proceed in the manner provided for in such agreement. ( ref ) 9 U.S.C. 4. I LOOK FORWARD TO YOUR REPLY TO THIS NOTICE OF INTENT. Thank you for your assistance in this matter, Respectfully, _________________________  XXXX XXXX XXXX XXXX Dispute Resolution or Arbitration Determination or Conclusory Documents were also sent to : XXXX XXXX RECORDERS OFFICE, XXXX XXXX XXXX XXXX, XXXX, CA XXXX, Phone ( XXXX ) XXXX, CALIFORNIA STATE ATTORNEY GENERA, XXXX XXXX, Attorney General, XXXX. XXXX  XXXX, XXXX, CA XXXX, Phone ( XXXX ) XXXX, US DEPARTMENT OF JUSTICE, ATTORNEY GENERAL, XXXX XXXX  XXXX, XXXX, Washington, DC XXXX, Phone ( XXXX ) XXXX, Attentively, XXXX XXXX XXXX","date_sent_to_company":"2019-11-29T22:51:17.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"95076","tags":null,"has_narrative":true,"complaint_id":"3453814","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Servis One, Inc., Titusville, PA Branch","date_received":"2019-11-29T22:40:09.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["The recipients of the Administrative Arbitration <em>Documents</em> also Defaulted by remaining silent on the U.S. Govt 's interest in the <em>mortgages</em> and land 's <em>mortgaged</em> in this country in reference to the Admin. 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