Consumer complaint received 2016-01-26
Company: Deutsche Bank
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Deutsche Bank National Trust Company engaged in criminal activity with XXXX XXXX XXXX Mortgage to unlawfully submit the initial Complaint-In-Mortgage Foreclosure into court records to execute a foreclosure against my home. 

At the time, I was unaware that Deutsche Bank had any interest in my home / mortgage loan. 

I asked Deutsche Bank for proof of its ability to foreclose on my home since XXXX XXXX was the owner, originator and servicer of my mortgage loan. 

No documents were available / provided and the sheriff 's sale was cancelled. 

Several months later, I was sent a copy of a unlawfully fabricated Assignment of Mortgage and details for a new sheriff 's sale date. I swiftly challenged the validity of the Assignment of Mortgage. The sheriff 's sale and the case was then dismissed without prejudice. 

After three years had passed, Deutsche Bank and XXXX XXXX reunited in an attempt to pick up where they left off. A series of XXXX subsequent Mortgage Assignments were completed and recorded in the local courthouse. 

I was able to save my home from foreclosure on several occasions where neither Deutsche Bank or XXXX XXXX had standing to foreclose. Several title references that are recorded in the courthouse reflects language that XXXX XXXX provided to reveal a Lack of Standing to create the first or the second Assignment of Mortgage, or to complete a foreclosure. 

Please note, that I would have lost my home to these licensed banking entities, when they were unable to lawfully foreclose. While asking for help from the local courts, HUD, OCC. OTS and the CFPB, I was given very little assistance and resolutions that came directly from XXXX XXXX 's internal research departments. 

My determination to keep my home has kept my family in our home. Many families who simply gave up lost their homes under similar circumstances. 

Here are the facts : XXXX XXXX sold my loan to XXXX XXXX on XXXX XXXX, XXXX. As the Trustee, Deutsche Bank was / is aware of that sale. 

Deutsche Bank was / is aware that XXXX XXXX only retained servicing rights for the mortgage loan that XXXX XXXX owned -- before completing a securitized transaction. 

However, after I asked Deutsche Bank for proof of its ability to foreclose, a collaborative effort with XXXX XXXX to create fraudulent Mortgage Assignments occurred on multiple occasions. 

Deutsche Bank is aware that XXXX XXXX could not / can not Assign a mortgage that it sold to XXXX XXXX. 

Incidentally, a XXXX settlement is due to regulators and homeowners via a civil lawsuit against XXXX XXXX that mirrors many of the details that I have described since the beginning of this charade. The time frame for the suit involves transactions from XXXX XXXX. XXXX XXXX purchased my loan from XXXX XXXX and completed the securitization process in XX/XX/XXXX. 

Deutsche Bank has also received large penalties for similar conduct. 

As for XXXX XXXX, it continues to deny any wrongdoing during the housing crisis or any of its operating procedures -- to include its highly publicized foreclosure method for duping regulators and consumers. 

I am seeking a review of my case from Senior Officials at the CFPB, FTC, OCC, OTS, FBI, IRS, FDIC, HUD and other agencies. The above behavior warrants the cancellation of the sheriff 's sale that 's scheduled against my home. Not a postponement, but a halt of all foreclosure sales involving the above-listed should issued until an arms-length forensic review is conducted. 

I plan to sue Deutsche Bank for its role in this foreclosure scandal with XXXX XXXX XXXX XXXX to take my home, cause years of aggravation, dismal credit due to bankruptcy filings to retain my home and for the emotional challenges that my family and I have endured.

Company response to consumer: Closed with explanation