Consumer complaint received 2018-02-01
Company: Secure One Capital Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am submitting a new complaint to the CFPB as the scope and supporting evidence of my complaint has drastically increased since my original complaint ( XXXX ). I was instructed to do so by a CFPB representative after I called to present new information I have obtained concerning additional improprieties such as forgery of loan documents by loan officer XXXX XXXX XXXX and Secure One Capital. 

On XX/XX/XXXX, XXXX XXXX ( HR Manager / Director of Business Development at Secure One Capital ) provided an interim response to my original CFPB complaint ( XXXX ) and submitted copies of the Uniform Residential Loan Application dated XX/XX/XXXX allegedly signed by my brother ( co-borrower on the loan ) and me ( file name : XXXX FINAL XXXX ). I am reattaching the exact document they provided in the event they remove the forged document and it is no longer referable. Upon reviewing the submitted documentation from XXXX, it is obvious to my brother and me that his signature was forged ( page 9/10 on the Borrowers Signature field ) because : 1. The signature does not match his legal signature. His legal signature can be confirmed by reviewing previously submitted loan documentation which I am attaching to my complaint ( XXXX ). It can further be verified by viewing the signature on his valid California drivers license ( attached : XXXX  ) and by contacting the remote notary used by XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX ) which has an official record of his signature that he provided on XX/XX/XXXX. 
2. The Uniform Residential Loan Application dated XX/XX/XXXX was not electronically signed, so there is absolute expectation that the signature in question should match his legal signature ; it does not even remotely resemble his legal signature. 
3. Since my brother ( co-borrower ) is located several hundreds of miles away from the Escrow office ( XXXX XXXX in XXXX, CA ), the final loan documents had to be sent by over-night carrier to a remote notary for my brother to sign on XX/XX/XXXX. The forms were subsequently sent via over-night carrier to XXXX XXXX office for me to sign on XX/XX/XXXX. The final loan documents that Secure One Capital deceived my brother into signing on XX/XX/XXXX were given back to me by notary XXXX XXXX at XXXX XXXX on XX/XX/XXXX when XXXX and I noticed the back dated loan documents. As a result, it would not be possible for Secure One Capital to have certain loan documents from my brother dated on XX/XX/XXXX. 

It has become clear to me that as a result of my refusal to sign the back-dated loan disclosures provided by Secure One Capital and XXXX XXXX, they were missing legally required loan documents that needed to be submitted by certain dates to maintain compliance. Since XXXX XXXX ( Loan Originator Identifier XXXX ) signed the Uniform Residential Loan Application containing a forgery of my brothers signature, I can only conclude that he, and possibly other Secure One Capital employees responsible for the loan documentation, forged my brothers signature and were fully aware of their illegal actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation