Consumer complaint received 2019-04-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a victim of XXXX deceptive lending practices and a fraudulent foreclosure committed by XXXX XXXX XXXX XXXX   XXXX who operates a massive money laundering mill with fraudulent foreclosures based on false statements and forged documents claiming to be a " Trustee '' for a non-existing REMIC Trust XXXX XXXX. 

On XX/XX/XXXX we purchased a mortgage from XXXX XXXX XXXX XXXX ( XXXX ), a Company who was purportedly " organized and EXISTED '' under the laws of New York. We later learned that these statements were lies and deception since XXXX XXXX XXXX XXXX in XXXX was a non-existing corporation which never was organized under laws of New York ( or any other State ). See the record from NY Secretary of State which shows only ONE XXXX   registered under laws of New York, a fraudulent XXXX  filed in XXXX by con artists. According to SEC filings, XXXX  was never a subsidiary of XXXX either. Thus, this loan was originally fraudulent and non-enforceable. 

In XXXX XXXX was accrued by XXXX XXXX XXXX who was purportedly a " Servicer '' for this Trust and our loan from XXXX to XXXX. 

According to SEC respond to my FOIA, Trust XXXX XXXX XXXX is a non-existing legal entity, which was never formed, never had any mortgages transferred into this Trust, never had any SEC filings and never had even a bank account. In fact, XXXX XXXX is a part of XXXX XXXX XXXX XXXXXXXX 's massive Ponzi scam based on borrower 's identity thefts and sales of unregulated US securities. 

It is not a secret that XXXX XXXX XXXX XXXX operates a massive Ponzi Scam in US Courts and illegal trading of void US securities ( aka XXXX non-existing REMIC Trusts mortgages ) where XXXX XXXX XXXX XXXX, acting as a fake Plaintiff for a fictitious Trust, obstructs justice to illegally foreclose on people like myself while banks received enormous profits, at least $ XXXX XXXX from each $ XXXX home by secretly reselling the same loan multiply times without any disclosures to the homeowners or sharing any benefits from trades - plus get the free house and proceeds from the sale. 

The entire scheme depends completely on concealing the fact that the loan is the cornerstone of a much larger fraudulent scheme wherein the players are going to make money in multiples of the amount loaned. In fact, borrowers, like myself, who signed papers were in fact unknowingly issuing unregulated securities for the sole benefit of investment banks. 

A foreclosure initiated by a servicer or Trustee fails to comply with applicable law since none of them have the right to enforce the debt. ALL of them have received a benefit and some of them have received a windfall derived from trading on the borrowers signature on the note and mortgage in an amount far exceeding the principal amount loaned. And those benefits or trading profits were derived strictly because they were trading on the signature of the borrower, together with the borrowers name and reputation, without disclosure to the borrower of compensation to be received arising from the origination of the loan and without consent from the borrower to trade on his/her name. 

Both, XXXX XXXX XXXX ( fake Trustee ) and XXXX  XXXX XXXX ( defunct Servicer of non-existing Trust '' ) are perfectly aware that XXXX, who only serves its members, can not accept any assignments from XXXX XXXX XXXX XXXX since this corporation never existed ; and can not transfer any rights to any third parties. 

Yes, in XXXX XXXX purportedly " assigned '' its " rights '' to XXXX XXXX XXXX  via robo-signed Assignment. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX hired a law Firm XXXX   XXXX who submitted a foreclosure case XXXX where the purported " Servicer '' Bayview Loan Servicing LLC tried to enforce my mortgage with XXXX. 

When my attorneys requested a validation of their rights to enforce, particularly copies of all SEC documents and assignments from XXXX and XXXX, Bayview and their lawyers refused to provide claiming that these documents are " irrelevant '' - while in fact they never existed. 

Most recently Bayview Loan Servicing Litigation Manager XXXX XXXX filed a Sworn Affidavit where he claimed that Bayview, acting in capacity as a Mortgagee for my loan, and that XXXX is personally familiar with all documents pertaining to my loan. 

In other words, XXXX intentionally submitted false statements to the Court about Bayview status since he knew or had a reason to know that neither XXXX or XXXX never existed.

Company response to consumer: Closed with explanation