Consumer complaint received 2019-08-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Hi, I'm submitting this against XXXX XXXX  XXXX. 
Facts : I secured a VA home loan through USAA on XX/XX/XXXX for {$400000.00}. The mortgage was recorded into the XXXX Department of Records on XX/XX/XXXX from me to XXXX/USAA. The Deed was also recorded from the previous owner to myself on XX/XX/XXXX. For over ( 2 ) years there was no other recorded document, until XX/XX/XXXX. At that time XXXX/USAA assigned the mortgage to USAA, however, an individual named XXXX XXXX represented himself as the assignee for USAA, thus creating the appearance the assignment was properly executed. 
XXXX XXXX, in fact, is not a representative of USAA and he is a " document control specialist '' for XXXX XXXX  XXXX. 

The reason for this is because I have fallen behind in my mortgage payments and " USAA '' has started the foreclosure process against me on XX/XX/XXXX. I will say that I have no intention of defaulting on my mortgage, and I have become delinquent because of a separate pending matter involving a signature of mine that was forged. This matter is currently pending in XXXX Court of Common pleas Case no XXXX, where I currently have a motion for summary judgment pending. This case has damaged me in excess of {$100000.00} and I plan to recover those sums shortly. 

Now USAA changed service providers shortly after my initial purchase in XX/XX/XXXXsince XX/XX/XXXX the service provider has been XXXX XXXX  XXXX. 
It is reflected in my credit statements that my initial loan was sold, but there are no recorded documents stating such nor an assignment of a mortgage, ever. 

Therefore, XXXX XXXX  XXXX knew this problem of the chain of title and hired XXXX XXXX XXXX XXXX to initiate the foreclosure process against me, but they claim they are representing USAA in the Court of Common pleas Case # XXXX. I know that the current loan number they purport I am in default of no longer exists as of XX/XX/XXXX. The VA Case Number to that loan is XXXX, MIN : XXXX, Loan # XXXX. XXXX XXXX XXXX have gone so far as to redact every single reference number in their complaint, attempting to further XXXX   fraudulent scheme, but after looking up the MIN I found that the current loan was is in fact serviced by XXXX and the investor in XXXX XXXX. Again, there is no record of the loan XXXX being assigned to XXXX, thus they have no standing, so they are operating under the impression through XXXX that USAA is attempting to foreclose, but the MIN will prove they do not have standing either. Furthermore, my XXXX credit report made me aware that on XX/XX/XXXX, my mortgage was reported as " Bank Adjustment/Deed in Lieu/ Bank Liquidation '', this is wildly illegal as I never received any notice and in XXXX it is mandatory that even before foreclosure proceedings can commence the borrower attend housing counsel in City Hall. This counseling did not take place until XX/XX/XXXX, yet somehow my mortgage was already deed in lieu. Even further, the original loan reference again XXXX, executed on XX/XX/XXXX and reported into the Recorder on XX/XX/XXXX, contains a robo-signature from the USAA representative XXXX XXXX XXXX. 
This is one of the most flagrant fraudulent conveyances I've ever seen and it seems to be common practice for XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation