Consumer complaint received 2022-01-20
Company: Fidelity National Financial, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complaint, QWR and DVR On XX/XX/XXXX XXXX XXXX XXXX Fidelity National Title Insurance Company ( FNT ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( renamed in XXXX as ServiceLink ) located at XXXX XXXX XXXX XXXX, XXXX CA sent me fatally defective Modification package and false Partial Claim with VA, acting under XXXX name. 
XXXX XXXX expects me to sign these documents by XX/XX/XXXX. 

However, I do not understand terms and the real nature of these documents and from whom they are coming. 

I have rights to receive disclosures and explanations about this Modification from the authorized person who approved it ; the amounts to be modified and conduct personal inspection of my original Note which is still missing. 

For example, this modification lacks any name of a person or a company who approved it. I have to sign and return it to ServiceLink at FNT location. Why XXXX 's ServiceLink handles my " modification '' if another company - XXXX - claims to be a Servicer responsible for this " modification ''? 

" Modification '' has higher interest rate 3.65 % while my current non-existing loan rate is 3.5 %. Morever, I every day received offers for refinancing under 3 % or less. Why XXXX XXXX offered me predatory modification which will increase my payments, not reduce it. 

3.65 % makes my monthly gifts to unknown to me Investment Bank [ likely XXXX XXXX ] even higher than before. 

This modification extends payments for my virtual loan to another 360 months while under CARES Act it must be for time of forbearance, or at most for 19 months. 

I am reasonably concerned about my new involuntary donations schedule for undisclosed XXXX XXXX Bank for next 30 years since according to XXXX vs. XXXX XXXX, XXXX, XXXX 's modificationby " XXXX '' of non-exsiting XXXX " loan '' with XXXX resulted in a very profitable collection and foreclosure. 

Trustee XXXX XXXX XXXX XXXX  whom Servicer XXXX give my payments to distribute to Investors XXXX is not even mentioned in any capacity. Did XXXX approved this modification? It must be disclosed to me since XXXX as Trustee is in charge of all financial affairs of XXXX XXXX Pooled Security where my loan is pooled by the original independent from money Lender XXXX XXXX. 
My partial claim with VA is named as XXXX XXXX and looks drastically different than a similar false claim prepared by XXXX XXXX for XXXX XXXX. 
XXXX XXXX claim states Partial Claim Mortgage not assumable without VA Approval while XXXX states merely XXXX XXXX This Mortgage lacks the name of the individual preparer which is a violation of Michigan recording rules. My loan with XXXX was not recorded until someone put name of the person who originated it. 

My new payments to fake lender XXXX needs to be sent to XXXX XXXX XXXX XXXX XXXX XXXX ( who is constantly sued for customers abuses ) in the same XXXX XXXX XXXX XXXX TX as XXXX XXXX. 

I need explanations why and by whom XXXX  XXXX XXXX XXXX  is authorized to collect my payments for VA partial claim if XXXX claims to be a Servicer who collects my money. 

Modification Agreement lacks the name of the Investor. 

It has the same number as VA but the Investor claims to be XXXX. Why XXXX is acting as VA? 
This Partial Claim is based on alleged delinquency of my interest and escrow while did not mention principal. Which means that XXXX whose name is designated by XXXX as the mortgagee under a mortgage is NOT the sole owner of the debt [ if exists ] and is not the owner of even a part of the claimed debt, which does not exist. 
I pulled XXXX XXXX  Release from XXXX XXXX recorded in XX/XX/XXXX. It evidenced that XXXX XXXX was not the owner of the alleged debt or the Note but merely holder of [ some ] records with the Seller XXXX ; and obviously did not received any money from XXXX XXXX  or XXXX XXXX  on my behalf. Who was the Lender for XXXX and who received my money at the closing which I promised to repay? 
The amount of Partial Claim with VA is inaccurate and unclear to me. It needs to be verified by VA and XXXX XXXX XXXX XXXX XXXX, and this is why I need your answer to my FOIA asap, so I can understand terms and amounts of XXXX XXXX Modification and Partial Claim with VA. 


I demand you to expedite my FOIA as soon as possible to help me to understand XXXX XXXX XXXX ; his relationship to my loan and his partial claim with VA. 

QWR : 1. Please disclose the name of the Company and its individual Agent who approved this Modification and Partial Claim with VA. Please provide their business address ; phone number, email address.

2. Please provide me an Affidavit from XXXX XXXX XXXX XXXX XXXX  and its authorized agent who approved and authorized this Modification and Partial Claim 3. Please state full corporate name for ServiceLink and explain why ServiceLink handles this " Modification '' and Partial Claim if XXXX claims to be a Servicer who is responsible for modification and partial claim.

4. Please explain why this Modification has higher interest rate 3.65 % while my current non-existing loan rate is 3.5 % ; and who decided to charge this rate from me 5. Please explain why this modification is extended for 30 years if CARES Act provides only period of forebearance to be added to modifications, which is at most 19 months. Please disclose the name of authority who approved this extended period of modification 6. Please state full name of the Investor, its mailing address and the name of its authorized officer. Please disclose if this Investo
r is the owner of my alleged debt and my creditor.

7. Please disclose the name of individual preparer of my VA Partial Claim 8. Please explain why this Partical Claim is labeled as XXXX XXXX instead of VA Partial Claim Mortgage and does not bear language is not assumable without VA approval 9. Please explain why this Partial Claim is based on alleged delinquency of my interest and escrow while did not mention principal. Does it mean that XXXX whose name is designated by XXXX as the mortgagee is not the owner of even a part of the claimed debt, which does not exist? 

10. Please explain why my payments will be received by XXXX XXXX XXXX XXXX XXXX XXXX if XXXX claims to be a Servicer who collects my payments. 

11. Please explain how amounts of this Partial Claim were calculated and the name of the agent who conducted this accounting.

12. Please state date, time and place where I can inspect my Original and full assigned Note, in presence of an authorized Agent of my Creditor who owns the account receivable for my alleged loan. 

.

Company response to consumer: Closed with explanation