Product: Debt collection

XXXX XXXX  Abuse. 


I want to inform the Consumer Financial Protection Bureau that this is not a duplicate complaint. Bank of New York Mellon has never answered any of my complaints at all since XXXX. This complaint is also completely different new updated information regarding fraud and Bank Of New York MellonXXXX Harassment threats. I spoke with a Consumer Financial Protection Bureau manager who advised me to resubmit the complaint for further review. I'm requesting a response from bank of New York Mellon as I have never received a response to my filed complaints My name is XXXX XXXX XXXX, a XXXX Veteran XXXX on railroad XXXX. Tax ID XXXX. In XX/XX/XXXX I received an Itemized statement from XXXX XXXX. On the statement date of XX/XX/XXXX states XXXX XXXX from XXXX, and sold the loan by XXXX XXXX. Then on XX/XX/XXXX charge XXXX XXXX Charge Number XXXX XXXX XXXX XXXX filed foreclosure. On XX/XX/XXXX XXXX XXXX alleges that the loan was paid off. On XX/XX/XXXX XXXX XXXX suddenly dismisses the lawsuit which is the second foreclosure lawsuit XXXX XXXX has dismissed on the home since XXXX. On XX/XX/XXXX A payoff statement was ordered from alleged to be XXXX  XXXX XXXX. XXXX XXXX sends a letter to me in XX/XX/XXXX stating congratulations the loan was paid off with a release of mortgage. XXXX XXXX has never disclosed how the loan was paid off or why the Foreclosure was dismissed. I had an attorney at the time XXXX XXXX who I was paying a monthly bill to help me save my home. I thought all the loans on the home were paid off after my wife passed away on XX/XX/XXXX through the probate of a wrongful death. However, a XXXX Home Equity line of Credit was taken out in XX/XX/XXXX. My Last payment was in XXXX with the real mortgage company XXXX before they closed. Out of no where a Bank of New York Mellon alleges to have received assignment from XXXX on XX/XX/XXXX which is about 6 years after my last payment. XXXX  XXXX XXXX was calling me asking me to send documents regarding a previous loan with XXXX which I did not understand why. On XX/XX/XXXX Bank Of New York Mellon filed a foreclosure on the home without my knowledge or being served in any lawsuit. XXXX XXXX filed a foreclosure XX/XX/XXXX. When I found about it the foreclosure with Bank Of New York Mellon it was XX/XX/XXXX. Bank of New York Mellon stated to have no record of the home or involvement with Bank XXXX XXXX. It appears that XXXX  XXXX XXXX using the name Bank of New York Mellon as a decoy to hide Bank XXXX XXXX from any involvement or liability with the foreclosure lawsuit. In the Bank Of New York Mellon, I also discovered that documents were forged in my name as if I made appearances in court when I was working at the VA at the time. Then I hired an attorney on XX/XX/XXXX after that and not sure what happened next until now. XXXX XXXX XXXX to have sold the loan in XX/XX/XXXX to Bank XXXX XXXX. XXXX XXXX claims it was paid off on XX/XX/XXXX it can not be both. XXXX  XXXX XXXX is alleging that it paid off the loan from XXXX XXXX. When it was alleged to already been sold off. XXXX  XXXX XXXX instead alleged to have consolidated the loan to avoid XXXX XXXX foreclosure on the home that would have wiped any second liens on the title. I dont believe any loan was actually paid off to XXXX XXXX . XXXX XXXX or XXXX  XXXX XXXX is refusing to produce any payment information or wire transfer as to who, when, why or where this alleged payment was made. Now XXXX  XXXX XXXX is claiming that it alleged to have paid off the loan, and added XXXX XXXX loan to the old XXXX loan. I never knew anything about this at all. I have never signed anything or applied for any, new loans, refinance, loan modifications, Deed, in lieu, forbearance or reverse mortgage, confirming consolidating anything with Bank XXXX XXXX. Nor have I applied for loans above with any other lenders regarding the home. XXXX XXXX  XXXX claims to have been paying extra home insurance on the home, Taxes, XXXX XXXX transferred loan adding taxes to this amount. The amount XXXX alleged to owe with Bank XXXX XXXX is over XXXX on a home that is under water and worth less than XXXX. This is fraud, because I did not do any of this. Im being harassed by XXXX XXXX  XXXX for money that I do not rightfully owe. I also recently discovered that XXXX XXXX in XX/XX/XXXX to XX/XX/XXXX removed my name on the loan documents, and placed my former attorneys name to receive my loan billing statements. In the end my attorney claims to not know anything. Then later my former Attorney stated that he thinks Bank of New York Mellon paid it off. I was never informed by my former attorneys that anything was paid off for me to have to pay it later with another lender, or servicer. XXXX XXXX had me sign a loan Modification that originated by XXXX XXXX XXXX XXXX loan that I had on the home in XXXX. The loan was alleged to be acquired by XXXX XXXX in XXXX. However, this can not be confirmed. Because Investors Saving Bank Received Government Assistance Failed on XX/XX/XXXX. The loan was created in XX/XX/XXXX with XXXX XXXXXXXX XXXX XXXX XXXX  secured loan. In XXXX XXXX XXXX pressured me to sign a loan Modification changing those terms of the original loan from a VA loan to a regular Mortgage without informing me of that. XXXX, XXXX also did not get any approval from the VA to change the terms of the loan which was higher well above my income amount. Which now have me in the situation Im in today. Then soon after the loan Modification was completed a Bank called Bank of New York Mellon filed a foreclosure less than 30 days later after alleged to have signed a subornation agreement with XXXX XXXX. Now Im in a process to be evicted from my home by alleged to be Bank Of New York Mellon. I believe its XXXX  XXXX XXXX using the name Bank of New York Mellon to Evict me from my home. XXXX  XXXX XXXX also allege that I owe over XXXX to them that I know nothing about as well. I feel I have been a victim of Elder financial abuse, consumer fraud and fair debt collections act practices and mortgage foreclosure scam by hired law firm. It does appear that XXXX  XXXX XXXX and XXXX XXXX were working together as this is connected with the National Mortgage Settlement ( XXXX ). XXXX XXXX filed the first foreclosure on XX/XX/XXXX XXXX XXXX Illinois XXXX XXXX. I was also informed that the alleged judgment by Bank Of New York Mellon XXXX XXXX XXXX XXXX is invalid. The XXXX case on the home is XXXX. However, the eviction case was dismissed in XX/XX/XXXX. Whomever is working with alleged Bank Of New York Mellon is still trying to pursue the Eviction case despite being dismissed for want to prosecute on XX/XX/XXXX. The Eviction case was not refiled within one year or vacated. Bank Of AXXXX is Threatened to sue me for debt not owed. I also have reason to believe that additional lawsuits have been filed against me By XXXX XXXX XXXXXXXX or XXXX Bank of New York Mellon that Im not aware of. Nor was I served by anyone regarding any new lawsuits. Seeking assistance with this matter. XXXX XXXX filed a foreclosure XX/XX/XXXX. I hired an attorney in XX/XX/XXXX after that and not sure what happened next until now. XXXX XXXX XXXX to have sold the loan in XX/XX/XXXX to XXXX  XXXX XXXX. XXXX XXXX claims it was paid off on XX/XX/XXXX it can not be both. Docket one- This XXXX  XXXX XXXX statement says that I made payments when I have not made any of these payments to XXXX XXXXXXXX XXXX XXXX I feel that someone took out a loan in my name and identity with XXXX XXXX XXXXXXXX for me to pay it back later which is fraud. XXXX also a victim of identity as well since XXXX. Docket Two- This a document that was Submitted to the XXXX  with false claims that the home was vacant. When the home was not Vacant to have me restricted from accessing the home and my property removed from the home. Despite a wrongfully filed Eviction case against the home during the Illinois Eviction moratorium in the name of Bank of New York Mellon. Who is really XXXX  XXXX XXXX? XXXX XXXX has been harassing us at the home and her husband for years. I have proof that she has been disparaging us with random people while claiming to be the realtor of the bank. Then she seems to not be sure what bank she is alleged to be working with. But have uploaded old outdated documents from XXXX XXXX XXXXXXXX. The Vacancy document has XXXX  XXXX XXXX on it as well. Respectfully Submitted XXXX XXXX XXXX XX/XX/XXXX XXXX