Consumer complaint received 2019-03-07
Company: Reverse Mortgage Solutions, Inc.
State: MD
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Please Check Out CFPB Complaint # XXXX.

( NOTE : The ONLY working # for me is ( XXXX ) XXXX. ) Re : XXXX XXXX XXXX ( Deceased ) XXXX XXXX XXXX XXXX XXXX, MD XXXX   Reverse Mortgage Loan # : XXXX  FHA Case # : XXXX Re : XXXX XXXX XXXX Et Al. v. XXXX XXXX XXXX Case No. XXXX Circuit Court For XXXX County, Maryland My late father had a reverse mortgage that illegally encumbered his 20-acre, mixed-use ( part residential & part commercial ) farm. FYI : a commercial cell tower on his property actually made it ineligible for a reverse mortgage, but the mortgage company ( XXXX XXXX now dba Reverse Mortgage Answers of XXXX, MD ) got him approved for a reverse mortgage anyway when it failed to mention the cell tower to the underwriter. FHA underwriting guidelines strictly prohibit reverse mortgages on income-producing properties ( i.e., no agricultural or commercial use ). The fact that the cell tower had a land lease that ended on XX/XX/XXXX had four tenants ( XXXX XXXX XXXX XXXX XXXX & XXXX ), and had more than 1000 feet of buried fiber optics for XXXX, made it commercial.

Reverse Mortgage Solutions ( RMS ) foreclosed on the property despite being asked by state regulators at DLLR not to do so.

RMS and its representatives engaged in fraudulent activities that made the foreclosure illegal : 1 ) RMS had numerous documents notarized by XXXX XXXX XXXX, who presented different signatures on her documents. Notaries are only supposed to use the signature they have on file in their state.

2 ) RMS used substitute trustees at the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to foreclose on the property. The foreclosure was filed by attorney XXXX XXXX XXXX of the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX as well as others at that law firm filed numerous attorney affidavits with questionable signatures ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ... despite XXXX having to dismiss a foreclosure lawsuit XXXX XXXX XXXX v. XXXX XXXX XXXX  Et Al. ( Case # XXXX  in the Circuit Court For XXXX XXXX, Maryland ) ... because he allegedly had employees at his law firm robo-sign his signature.

3 ) RMS ' substitute trustees should have dismissed this foreclosure lawsuit against me because of robo-signing. ( Which of XXXX XXXX XXXX XXXX " signatures '' is actually his?

4 ) Lastly, one of RMS substitute trustee XXXX XXXX XXXX ' submission of robo-signed documents to my Chapter XXXX   bankruptcy case ( Chapter XXXX -- Case No. XXXX  ) to a federal bankruptcy court ( Motion For Relief of Automatic Stay ). Unfortunately, the judge did not realize that the documents ( mortgage assignments that included the robo-signed signatures of the notorious XXXX XXXX ) were robo-signed. Because of these actions, the judge approved the lifting of the automatic stay and I was wrongfully foreclosed on. The property was sold to XXXX XXXX in XX/XX/XXXX, and I was forcefully evicted on XX/XX/XXXX, ... DESPITE XXXX XXXX 's attorney XXXX XXXX XXXX at XXXX XXXX. NOT signing his motion for XXXX XXXX to take possession of the property and have me evicted by the local sheriff 's department. Someone at XXXX XXXX XXXX XXXX law firm robo-signed his signature ( actually, his squiggle ) -- be sure to check out his " numerous signatures '', too.

I am a XXXX-year-old, XXXX, XXXX survivor. I did not deserve this. No one does. These folks knew the laws re : robo-signed attorney foreclosure affidavits and robo-signed mortgage documents. They must be held accountable for their actions.

PS : Please review XXXX XXXX 's " Report on Fraudulent & Forged Assignments of Mortgages & Deeds In U.S. Foreclosures '' ( page 33 ). Ditto " Avoid Common Notary Certificate Mistakes '' by the National Notary Association. Then check out all the signatures.

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