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:
Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Reverse Mortgage Loan # : XXXX FHA Case # : XXXX On XX/XX/XXXX, five major banks ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ) executed a {XXXX} XXXX National Mortgage Settlement with the federal government, 49 state attorneys general, and the District of Columbia. This settlement was payment for such consumer abuses as robo-signing and failing to negotiate in good faith. 

Regarding the above-referenced reverse mortgage : Despite a planned/scheduled settlement in the works for XX/XX/XXXX, someone (? ) executed a fill-in-the-blank, hand-dated, robo-signed mortgage assignment on XX/XX/XXXX -- two days before that historic settlement. 

Then someone (? ) executed another fill-in-the-blank, hand-dated, robo-signed mortgage assignment on XX/XX/XXXX -- about six weeks after that historic settlement. Then more than a year later both robo-signed documents were finally recorded in the Land Records Department of the Circuit Court For XXXX County, Maryland on XX/XX/XXXX! 

Robo-signed documents are considered both fraudulent and illegal. Given this, one of the substitute trustees at the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, filed a Motion For Relief of Automatic Stay in the United States  Bankruptcy Court For The District of Maryland ( XXXX Division ) in my Chapter XXXX bankruptcy case ( Chapter XXXX - Case # XXXX ). Included in that submission were robo-signed mortgage assignments which I only recently discovered. ( Opposing counsel sent documents to my attorney -- not to me. ) Based upon these fraudulent documents, the bankruptcy court judge lifted the automatic stay. The substitute trustees then rammed everything through the local Circuit Court For XXXX County, Maryland. 

State officials at DLLR asked Reverse Mortgage Solutions NOT to proceed with a foreclosure. They did anyway. 

I am now a XXXX-year-old XXXX survivor made XXXX because of a wrongful foreclosure by Reverse Mortgage Solutions ( RMS ). I am also destitute because I lost the income from a commercial cell tower ( with a cell tower land lease ending XX/XX/XXXX and four tenants - XXXX XXXX XXXX, XXXX, XXXX and XXXX and more than 1,000 feet of buried fiber-optics ) on the 20-acre farm that actually made that property ineligible for a reverse mortgage.

I have no home. I have slept in my car in freezing ( below 32 degree ) weather. I have slept in numerous XXXX XXXX. I have slept on friends ' couches. 

I have no money. Will you help correct this injustice? ( Treble damages. ) Both of my parents are deceased. They did not buy that farm for anyone to steal it from me and leave me sleeping in my car at this stage in my life. I need help. I need justice. 

Thanks!!! 


PS : Please be sure to read Page 54 of XXXX XXXX 's certified forensic audit ( " Property Securitization Analysis Report '' ), especially where he writes : Foreclosure actions brought by foreclosing parties with impropriety as noted in body of report. 


ENCLOSURES : 1 ) " Property Securitization Analysis Report '' by XXXX XXXX 2 ) Motion For Relief Of Automatic Stay ( from my bankruptcy file ) 3 ) Allonge ( from my bankruptcy file ) 4 ) Mortgage Assignment from XXXX XXXX to XXXX XXXX XXXX with robo-signed signatures ( all signatures were robo-signed and included the signature of the notorious XXXX XXXX ), from my bankruptcy file 5 ) Mortgage Assignment from XXXX XXXX XXXX to RMS, with robo-signed signatures ( all signatures were robo-signed and included the signature of XXXX XXXX ), from my bankruptcy file 6 ) RMS - History of Legal Troubles ( Updated XX/XX/XXXX )

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