Product: Mortgage

Subject : Response to Unsatisfactory Resolution CFPB Case # XXXX Dear CFPB Representative, I am writing to formally contest the resolution provided by Bank of New York Mellon XXXX XXXX XXXX ) XXXX XXXX # XXXX regarding the mortgage loan associated with XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. The response provided by XXXX XXXX was incomplete, misleading, and failed to address the core issues of my complaint. 

XXXX XXXX with XXXX XXXX XXXX : XXXX. XXXX XXXX Provided a Nonfunctional Servicer Contact XXXX XXXX directed me to XXXX Mortgage XXXX as the alleged servicer. However, my emails to XXXX XXXX ( XXXX ) and XXXX general servicing email ( XXXX ) were both returned as undeliverable ( Error XXXX - Invalid Recipient ). 

This raises serious concerns regarding the legitimacy of XXXX alleged servicing role. If no valid point of contact exists, XXXX is either not the servicer or is deliberately avoiding consumer inquiries. 



XXXX. Failure to Provide Proof of Mortgage Servicing or Discharge XXXX XXXX stated that the loan was held in XXXX XXXX and marked as paid in full in 2007. However, they failed to provide any : Proof of mortgage discharge confirming that no further obligations remain. 

Documentation showing how XXXX became the servicer if the loan was satisfied in 2007. 


If the loan was paid off in 2007, why was XXXX allegedly servicing it? 

This suggests potential debt collection fraud, servicing irregularities, and violations of consumer protection laws. 



XXXX. Contradictions with Other Servicer Claims XXXX XXXX  XXXX, XXXX. ( XXXX ) has previously claimed ownership of Countrywides problematic loans, yet XXXX XXXX now states CWABS XXXX held this loan. 

There are no recorded assignments showing XXXX XXXX ever legally acquired rights to this mortgage. 

This raises questions about double pledging, fraudulent securitization, and misrepresentation in foreclosure proceedings. 



XXXX. XXXX XXXX XXXX to Deflect Responsibility XXXX XXXX, as the trustee of XXXX XXXX, is still responsible for ensuring the trusts compliance with its Pooling & Servicing Agreement ( XXXX ). 

Their failure to provide valid contact information for the servicer or confirm a valid mortgage discharge is a deliberate evasion of accountability. 




Formal Requests for Action : Given these unresolved issues, I request that the CFPB take the following actions : XXXX. Require XXXX XXXX to provide a valid, updated contact for XXXX Mortgage Servicing or identify the true servicer of this loan. 


XXXX. Demand proof of mortgage discharge from XXXX XXXX if the loan was truly satisfied in 2007. 


XXXX. Investigate XXXX Mortgage Servicing for possible fraudulent servicing of a paid-off loan and noncompliance with consumer servicing accessibility regulations. 


XXXX. Determine if XXXX XXXX and XXXX XXXX XXXXXXXX, XXXX. engaged in deceptive practices regarding ownership, securitization, and foreclosure of this loan. 


XXXX. Hold XXXX XXXX accountable for providing false or misleading information to the CFPB and consumers. 



XXXX XXXX response does not resolve my complaint and instead creates more contradictions regarding the true status of this loan. I request an immediate follow-up investigation and enforcement action against XXXX XXXX and XXXX for their failure to provide accurate, verifiable servicing information. 

Please confirm receipt of this response and advise on the next steps for escalation.