Consumer complaint received 2015-11-11
Company: Peer Advisors, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Compu-link, ( " Celink '' ) has violated my Civil Rights and has done acts against my family and I to render me homeless because I am a XXXX woman that inherited property from an elder and veteran. I was XXXX years old and my grandfather 's caretaker, when Celink provided information to a third party to take real property and money from the elder I was caring for, my grandfather. At that time, my grandfather was XXXX years old a elder/senior, XXXX, and Veteran ( the " Elder '' or " Senior '' ). In or around XX/XX/XXXX Celink sent the Senior documentation that it was the servicer of a bait and switch loan that kept my grandfather in a predatory loan that was suppose to be a Veteran 's guaranteed loan ( " VA Loan '' ) XXXX. On XX/XX/XXXX, my grandfather died. After the Elder 's death I sent Celink a letter informing it I needed the maximum allowed extensions to payoff the reverse mortgage taking out XX/XX/XXXX ( " Reverse Mortgage '' ). I retained an attorney to talk with Celink directly while I was grieving from the lost of my grandfather. In response, Celink starting filing inaccurate, incomplete, and unverified documents in the XXXX XXXX XXXX XXXX Office that have forged notary stamps to take the home of an elder. I inherited my home and when I tried to payoff the mortgage through refinancing and life insurance proceeds, Celink initiated foreclosure and hid the fact that it was assigned to do that action while the Senior was alive. In 16- months Celink XXXX performed the following acts including but not limited to : manipulated the Senior 's Reverse Mortgage mortgage statements by adding and subtracting fees to the his account ; kept a secret file number from the Senior that I discovered after my grandfather died ; harassed me by stating " when are you going to move '' when I contacted it to request a payoff amount, failed to provide me with a written response to qualified written request for a decision and details about extensions ; failed to apply in written for extensions from HUD XXXX lied to the attorney representing me about that entity that owned the loan ; gave my personal information, my grandfathers personal information, Trust and Estate documents of my grandfather XXXX to initiate foreclosure ; ran unauthorized credit and background checks on my grandfather and me ; monitored my grandfather 's vital records through unauthorized use of Social Security XXXX ; tried to get me to pay force place insurance ; paid the property taxes on the Property before I could pay the taxes, so that it could foreclose on the property I inherited for a profit, foreclosure insurance, and the interest from the reverse mortgage. Celink gave documentation to XXXX XXXX XXXX XXXX XXXX Washington documents to foreclose my home while I am in litigation [ filed XX/XX/XXXX ]. On or around I attended the trustee sale and video taped the TAKING ( taking of an elder 's property in good faith with the intent to defraud ). Celink, is a participate in a bait and switch mortgage scheme against seniors and elders and their families, by hiding details and documents from the senior and elder until their death to TAKE real property from the elders ' and seniors ' estate that produce fraud on the elder 's deceased records and prevents the passing of homeownership to the next generation.

Company response to consumer: Closed with explanation