Consumer complaint received 2017-11-09
Company: VANGUARD FUNDING LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After receiving our home Mortgage loan from XXXX XXXX out of NY, the Mortgage was sold to XXXX XXXX 10 days later. Unfortunately, they BOTH continued to bill me and Both claimed to be the holder of the loan. The Both refused to resolve the issue of proper ownership and Both ruined my credit with unfathomable repercussions to my life, marriage and the life of my family and ability to have a future life. 
After one year of calling and fighting and destroying my credit, I finally got both Banks ( Vanguard and XXXX ) on one call at the same time to resolve the note ownership dispute. They instantly informed each other that " they were recording the call '', they unanimously agreed that they could not speak while being recorded and hung up. I had no recourse but to hire an Attorney who spent over one more year trying to acquire the Original Signatures on the original contracts. After destroying my credit for now, two years and exhausting my cash on Attorneys, I was dismissed from my Attorney, as I had no funds to continue the battle. In desperation to save my Children I acted as my own Attorney, resulting in the identification that XXXX was the true owner of the Paper. After losing the Judgment with no credit or funding left, XXXX denied me a modified loan and demanded the payment in full, knowing full well they had crushed my credit and ability to perform or even get a decent job. Weary from the battle and the economy, my wife of 20 years filed for divorce and eventually Bankruptcy ( Chapter XXXX ). The Note was then assigned to " XXXX XXXX '' who add $ 50K+ in fees and fines and then Assigned it to XXXX XXXX XXXX XXXX who, added $ 50K+ in fees and fines and then Assigned it to XXXX XXXX XXXX XXXX . They only identified the note had been assigned Again 90 DAYS ( Ninety Days ) AFTER the fact and will undoubtedly make up fees and Fines of $ XXXX dollars more in this continued Ponzi scheme. 
I 'm now Divorced, Have no credit and therefore, filed Bankruptcy Chapter XXXX, and currently the 4th attempted Sheriff 's sale is set for XXXX 2018. I was treated fairly or legally. 

In Short : They harm you, destroy your life, then illegally destroy your credit then steal your home when you can no longer fight. 
My complaints : 1 ) Double Billing me and destroying my credit 2 ) Refusal to resolve after 1 year of coordinating a call between the two 3 ) Cause of my divorce 4 ) Could not get a job in XXXX XXXX w bad credit and house in foreclosure. 
5 ) Could not get a loan Mod after destroying my credit 6 ) Ran me out of money with legal fees ( {$1500.00} still owed ) 7 ) Humiliated in front of neighbors as Police severed me papers or Taped them 18 tall to my front door for all to see 4X!!! and as a result. 
8 ) I was politely asked to step down from XXXX XXXX XXXX after my foreclosure, joblessness and financial default was so public XXXX ) My Children grew up in rags with nothing under the XXXX Tree. One year we couldnt afford a tree at all 10 ) My relatives, in-laws, parents and friends think Im a Bum and refuse to work which destroyed our relationships 11 ) Friends and neighbors in the community began to shun me and eventually broke all ties 12 ) My own Children look down on me and have lost respect for me and Im shunned by them too 13 ) I received 1000 phone calls from both banks that harassed us daily and brought my wife to tears regularly. The stress was so great the mail so Dunning and the calls so brutal and accusatory that I ended up in the hospital with XXXX and XXXX issues ( Bills I still owe ) 14 ) As I was unable to get a professional Engineering our cars fell into disrepair and were so unsafe they would not pass inspection. Eventually, repossession was the result and what we have salvaged is so unsafe we dare not drive it but for emergencies which still exists today and we expect reposesion at any minute as we continue to live in fear 15 ) The list goes on with another 10 points if desired??? 

This FRAUD was committed via US Mail = MAIL FRAUD This FRAUD was committed via Internet = WIRE FRAUD HARASSMENT would be an understatement and PAIN AND SUFFERING has been unimaginable and has ruined my life and the lives of my family and reputation and my future ability to get a job, cars, credit etc, etc ... .. 

Amazing how the Banks were able to take me from an accomplished XXXX XXXX with years of success and create a broken welfare recipient w/o so much as consideration for the law the individual, the family, the Children and the future of myself and my family.

Company response to consumer: Untimely response