Consumer complaint received 2023-12-06
Company: Caneel Capital, LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
Complaint Facts : TRINITY FINANCIAL SERVICES , LLC, XXXX XXXX XXXX and PXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX commenced a foreclosure lawsuit on XX/XX/XXXX, to foreclose on me and my wifes property located XXXX XXXX XXXX XXXX XXXX, XXXX. TRINITY FINANCIAL SERVICES , LLC, was assigned the mortgage from US Mortgage Resolution LLC XX/XX/XXXX, per document # XXXX recorded XX/XX/XXXX, but never sent any notice to us that this assignment had occurred. TRINITY FINANCIAL SERVICES , LLC never performed any of the servicing functions like introduction, notices, billing statements or account related updates breaching an assignees fiduciary duties and never creating a contractual agreement with my wife and I. 
After reading the XXXX XXXX XXXX claims from people with similar complaints as ours and the fact that TFS has an F rating but is still being allowed to operate is very upsetting and very troubling. This is why people are losing or have lost faith and confidence with banking and lenders. 
TFS is a predatory stalker of properties with low dollar amount second mortgages that contract document preparation service companies like XXXX XXXX and in this case XXXX XXXX using fraudulently prepared assignments to basically steal unsuspecting homeowners property. 
The long explanation TFS submitted in their response to Consumer Financial Protection Bureaus follow up is generic and probably routine. The documents provided in TFSs response that raise a red flag are what I will highlight in this rebuttal response to CFPB. 
The date and signers of the Mortgage and the Note : 1. XXXX XXXX XXXX XXXX XXXX clearly shows it was signed by both myself, XXXX XXXX, and my wife, XXXX XXXX, on XX/XX/XXXX XXXX. The next document TFS references as the Note is a generic looking document. It has XXXX XXXX XXXX XXXX XXXX XXXX at the top and is dated XX/XX/XXXX, the same date as the Mortgage, but there is no account number and our names ( XXXX & XXXX XXXX ) are not inserted within the first page, nor the body of the 6-page document that contains terms and conditions similar to a Mortgage for different states that dont include XXXX. The suspicious part is, it was pre-drafted with my wife, XXXX XXXX, name and is signed by my wife XXXX XXXX only but not by me, XXXX. I am on the mortgage and was present on the XX/XX/XXXX, date. The other red flag is it was endorsed by XXXX XXXX, Vice President of XXXX XXXX XXXX XXXX XXXX with a Pay To The Order of to XXXX XXXX XXXX  on the XX/XX/XXXX date, but XXXX XXXX XXXX did not merge with XXXX XXXX XXXXXXXX until XX/XX/XXXX, plus when a Pay To The Order Of. is applied to a financial document the obligator, XXXX XXXX, my wife is being released of that obligation. There is no other date within the 6-page document to reference when the transaction occurred and no-account number attaching to the mortgage account. 
The XXXX XXXX XXXX XXXX Assignment : 1. The XXXX XXXX XXXX XXXX Assignment is a very questionable document because it was prepared by, requested to be recorded by and executed by XXXX XXXX XXXX, Vice President of XXXX XXXX and returned to XXXX XXXX, XXXX XXXX, a division of XXXX XXXX, all in-house. Why was XXXX XXXX XXXX XXXX left out of the loop? 
2. The XXXX  Attorney General, Consumer Financial Protection Bureau and The Federal Tade Commission should seek evidence that XXXX XXXX XXXX XXXX XXXX XXXX, Owner and XXXX XXXX, Co-Founder & Managing Director were really participants in the transaction since we never received any notices, acknowledgements or statements from XXXX XXXX XXXX XXXX after the executed assignment on XX/XX/XXXX, and recorded document # XXXX on XX/XX/XXXX, with the XXXX XXXX  Recorder of Deeds. 
3. XXXX XXXX XXXX XXXXXXXX officers XXXX XXXX, Vice President and XXXX XXXX XXXX, Vice President both need to be contacted to request notarized statements on their participation in this transaction and specifically why a closing for the buying and selling of this account did not include us since it is our property. This is a remedial oversight action the Attorney General, Consumer Financial Protection Bureau and The Federal Tade Commission should request from both of the XXXX XXXX XXXX employees and the XXXXXXXX XXXX employee. 
There are 2 letters that are referenced : 1. The RESPA Welcome Letter from TFS sent to my wife XXXX XXXX dated XX/XX/XXXX. XXXX, in the TFS response states that it was sent to XXXX XXXX because she was the signer of the note, but why was she the sole signer of the note when I, XXXX, am on the mortgage and was present? 
2. The RESPA Goodbye Letter sent from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, states that XXXX XXXX XXXX XXXX will no longer be servicing the loan, but it never was a servicer. When did they even become a servicer? Where is the RESPA Hello Letter? 
3. Neither XXXX XXXX XXXX or XXXX XXXX XXXX of XXXX XXXX XXXX XXXX or any other employee signed the letter sent saying Goodbye, and what verification can TFS provide to prove the letter was actually sent from XXXX XXXX XXXX XXXX to and received by XXXX XXXX? 
XXXX XXXX and XXXX XXXX Through our research it was discovered that the assignment and allonge signed by XXXX XXXX are fraudulent documents. The assignment and allonge were prepared by XXXX XXXX XXXX XXXX and XXXX signed by XXXX XXXX who list herself as Assistant Vice President of Trinity Financial Services , LLC, Assistant Vice President of XXXX XXXX XXXX XXXX and Assistant Vice President of XXXX XXXX XXXX an unrelated assignment, when she is actually a seven-year employee of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX ( XXXX ) XXXX E-mail : XXXX XXXX unrelated assignments are enclosed for review showing XXXX XXXX as the Assistant Vice President of 3 different companies within months, and even days apart. XXXX XXXX should be investigated, interviewed and required to submit a notarized affidavit of her role in this document forging scam. This is a remedial oversight action the Attorney General, Consumer Financial Protection Bureau and The Federal Trade Commission should act on immediately before our family and other families are further damaged. This one factor really should be enough to dismiss TFSs claim and demand the XXXX XXXX XXXX start the process of Quiet Title on my property by the oversight governing bodies. 
Personal Statement : This whole ordeal has been a nightmare for me and my wife. It put us both under a great deal of pressure. I was under so much pressure I had trouble sleeping and it took a toll on my health and stressed my wife out so much that she almosXXXX XXXX XXXX XXXX, born XX/XX/XXXX. This child makes us the parents of XXXX XXXX XXXX XXXX XXXX children with this newest addition XXXX XXXX XXXX XXXX XXXX. We, as a family, continue to pray that our XXXX  wasnt affected by the stress my wife was under from being targeted by TFS activities, that shows up letter in her development as described in this exert from a posted article on the subject of XXXX XXXX shared next. 
XXXX XXXX XXXX Report : A new study published by the XXXX XXXX XXXX in the XXXX XXXX XXXX suggested that psychological stress and distress during the XXXX period uniquely increases the odds of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' Researchers noted that while effects may be relatively small, they may persist across developmental periods from early childhood through adolescence. 
In a separate study published in the XXXX XXXX XXXX XXXX, researchers from the XXXX XXXX XXXX XXXX ( XXXX ) in XXXX found that mothers-to-be who experience even moderate stress during their XXXX are nearly four times more likely to have offspring who develop a XXXX XXXX. 
They also implied that women who are severely stressed during the duration of their XXXX are, in some cases, nearly 10 times more likely to have children who are at risk of developing a XXXX XXXX by age XXXX when compared with those whose mothers experience little or no stress during the period between XXXX XXXX XXXX. 
The impact of XXXX XXXX on a childs development can carry over to the family environment and parent-child relationships both of which could increase the likelihood, suggested the authors. 

The XXXX  lockdown is the reason I moved my family to XXXX  after I accepted a XXXX XXXX XXXX  position for a private corporation located in XXXX  giving me the financial means to cover continuous legal filing cost and support my family. The family in the XXXX property has provided needed funds, from rents paid to cover the first mortgage payments, utilities , county taxes and city water services and other maintenance costs. If we lose the rental income, it will be financially devastating because there is nothing stating that the first mortgage obligation will be extinguished if TFS is allowed to succeed in stealing my property that they paid absolutely no consideration for and performed none of the responsibilities of a servicer because they are a small servicer with a very greedy appetite! 
TRINITY FINANCIAL SERVICES , LLC, XXXX XXXX XXXX, AFFIANT AND AUTHORIZED REPRESENTATIVEs authority over the subject property and Debt Collector XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are perpetrating fraud on homeowners by clearly representing TRINITY FINANCIAL SERVICES , LLC, XXXX XXXX XXXX, AFFIANT AND AUTHORIZED REPRESENTATIVE as the owner-in-due-course rather than the servicer for the owner pursuant to the finding in XXXX XXXX XXXX and XXXX XXXX where XXXX took the liberty of foreclosing on mortgages as merely a servicer, when it had no legal ground for such an action. TRINITY FINANCIAL SERVICES , LLC, XXXX XXXX XXXX, AFFIANT AND AUTHORIZED REPRESENTATIVE are servicers and therefore proof of legal standing for foreclosure needs to be proven by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and without valid proof the foreclosure case should be dismissed, and the sheriffs deed should be quieted. I believe TRINITY FINANCIAL SERVICES , LLC, XXXX XXXX XXXX DO NOT have lawful Proof of Claim and there is no evidence to the contrary. This is Dishonor in commerce, Theft, Fraud, Conspiracy, and Racketeering. 
All the points included in this oversight requires remedial investigating action by the Attorney Generals Office, Consumer Financial Protection Bureau and The Federal Trade Commission because the chancery administrative judges with no legitimate authority because chancery is not a land jurisdiction court, possesses no subject matter jurisdiction and is adjudicating cases in an improper venue, is accepting third party hearsay testimony from legal thugs co-conspirators, are signing off on their complaints and orders to evict legitimate homeowners from their homes, that the sheriffs carryout giving us no recourse but to fight this by reporting it to oversight agencies, otherwise we will be forced into using unconventional means. 
We the XXXX Family are peaceful American inhabitants asking this agency to protect myself, my wife XXXX, and my familys civilian unalienable rights guaranteed by the organic constitution of The United States of America ( unincorp ), put aside any prejudicial judgements, and examine the facts. As a direct and proximate result of XXXX XXXX of Trinty Financial Services, LLCs unlawful conspiracy against my XXXX given human and civilian rights have been damaged in an amount that I will prove. 

Sincerely, By : /s/ : XXXX XXXX

Company response to consumer: Closed with explanation