Have you fallen prey to mortgage fraud?
Lookout for the seven signs:
1. Illegally recording timely payments as late, thereby imposing injurious late fees.
2. Improperly refusing to accept monthly mortgage payments, resulting in
default and adverse credit reporting.
3. Paying property taxes late, and then charging the late fees to the
borrower.
4. Charging force-placed insurance when the homeowner already has coverage.
5. Disregarding qualified written requests under RESPA and related homeowner
complaints.
6. Abusive treatment by customer service representatives and collection
attorneys.
7. Forcibly entering borrowers' homes to winterize or place foreclosure
signs on the premises.
While testimonies of the above are readily found on this site, I shall add my own personal list of offenses endured. Here is the sequence in chronological order:
1. This loan was originally closed with another mortgage company (call it XYZ) and sold shortly thereafter to EMC. Even with the flood and hazard amounts fully paid in full for the year, they attempted to (illegally) collect additional escrow.
2. I called customer service at XYZ, who completely disregarded my complaint. I then sent a Qualified Written Request to XYZ via signature-confirmed USPS priority mail
3. XYZ disregarded this request and has never replied to it.
4. I received a letter of transfer to EMC.
5. I wrote a letter to EMC and requested that they correct the excess and redundant escrow. Also, the flood insurance I paid at closing was NOT sent to the insurer, even 2 months after closing. This demonstrated another breach of good faith.
6. EMC disregarded this letter; I subsequently sent them a Qualified Written Request.
7. A notice of receipt by EMC of the Qualified Written Request was sent to me; however they made it clear they were attempting to collect a debt!
8. EMC continued to completely disregard my communications and treat me like someone who welshed on a bet! After sustaining repeated harrassing and unwarranted collection calls, I sent a Cease and Desist Order. They disregarded this notice and continued to call and harrass anyway!
9. They completely disregarded my Qualified Written Request, continued to impose late charges, attempted to illegally collect escrow, and continued to illegally malign my credit report, all throughout each of my communications.
10. To date, 4 months later, they continue to
a. Disregard my written complaints
b. Malign my credit report
c. Illegally charge me late fees and penalties
d. Falsely claim my payments are being late, even though I have proof from my bank of the AUTOMATED ONLINE payment and clearing of these checks.
E. Harass me with collection-style tactics language and inflated invoices.
We ask that you join us in abolishing this tyrannical oppression and abuse of decent american citizens. This is america. These offenses eat at the very root of our american values, values which our very own soldiers are dying for every day.
Please file your own usacomplaints.com then this site will contact you about any class action lawsuit.
God bless america.
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