Consumer complaint received 2023-07-04
Company: BROKER SOLUTIONS, INC.
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Original loan XXXX XXXX never missed payments and had been three months ahead On or Before XX/XX/2020 XXXX XXXX and XXXX XXXX excused and secured Loans The note without consent or contract Agreement with all parties. 

( Note ) or Loan in the reduced amount from {>= $1,000,000} at 4.250 % to {$150000.00} at 2.990 % pre~ annum as stated IN NAF ACCOUNT.. 
I received a change of curriculum stance letter saying XXXX was the difference between the two loans brokers solutions. inc, dba New American funding, New American Funding aka Brokers Solutions LLC, NewAmerican.according to the information sent by your company in fact. 

Federal Law requires Brokers Doing business to clearly disclose information and certain details about their financial products and services to consumers by law. including Annual percentage rate, covered under What is The Truth in Lending Act. 
also stated by your letter ( deed of Trust ) dated XX/XX/2020 which you state was recorded In XX/XX/2020. The loan XXXX Loan officers and mortgage brokers are prohibited documents have been sent to the company many times and ignored. 
The signatures are forged Contacting my employer after selling the fraudulent security notes does not have any point, besides the fact for 3 years of abuse due to my gender as a women but also implying a hair stylist is uneducated. Decriminalizing me for asking questions about the validity of the contract. 
forced forbearance when our contract was three payments ahead Credit scores XXXX Illegally tried to force foreclosure adding excessive fees and attorney fees Adding two different insurance policies Title fees Appraisal Fees Would not speak to me about my contract and concerns After extorting my family for over XXXX cashiers checks only! to avoid losing our home After receiving the XXXX NAF sold the fraudulent note to XXXX XXXX the following month New American Funding ( NAF ) wording is misleading and unethical, defined as Predatory Lending Imposing unfair, deceptive, and abusive loans and terms on borrowers. 
high Fees and interest rates, strip the borrower of equity, placing a creditworthy borrower in a lower credit-rated ( more expensive ) loan. 
loan flipping Asset- based lending and equity stripping When I clearly stated we did not want to be placed in forbearance, when your agents called my phone number over and over again. 
Your company produced A note or security agreement without consent or a contract to process the loan or Note. stealing much more than equity. 
, A statement produced and sent by USPS Dated The XXXX day in XXXX of year XXXX  No agreement to a No cash out~Refinance* the Reduced amount on your records. 
the addeunum Stated the reason your company did a no-cash Refinance was due to an emergency Financial crisis, and the benefit your company stated was the Lower interest rate of 2.99 %, your letter tells that of 2.990 % per annum ( a Deed of Trust ) deed of trust executed the company the beneficiaries illegally One record stated XXXX XXXX was married, he was not Stated he was currently living and owned our previous property, that a Was for the new FHA loan XXXX they removed his name off the first mortgage ) He did not and had never owned the property, it was only in my name He did not work at the employer they used Using open source software to access our personal information and hack into our account Ip Using NAF technology agreements that where not signed

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