Consumer complaint received 2017-10-17
Company: Quality Loan Service Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A Problem exists that an Assigned Sub of Trustee by a " NON '' True party except for by fake assignments is allowing to abuse the system. No answers to any defects made of violations of laws. QLS had taken over this particular loan in XXXX '. AT this juncture of time many fake assignments, made by non compliant notaries and fake persons acting as beneficiary 's and a continued pattern set to deceive. This was a XXXX ' XXXX XXXX. Predatory and having No Performance Ability without assistance. That assistance was promised, however each Regulators lawsuits instead of gaining the results furthered the abuses. An Acceleration of the Note occurred, called the Note DUE and thereby changing the maturity date. This Debt expired in XXXX ' however XXXX XXXX XXXX decided at the end of the National Mtg Settlement to create Fake documents again file a defective NOD using twice used 4 year old affidavits unreliable and exactly same pattern from the NMS - then instead of releasing the lien under CC 882.020a that under Operation of Law there are no rights to enforce by any means. Then XXXX XXXX XXXX SOLD TO XXXX and Transferred Servicing to XXXX 
XXXX XXXX XXXX had no right to SELL, as they had represented that XXXX XXXX was the Owner.  However no link to any parties. 
XXXX interrupted stating they were " owner '' however two attorney firms hired for " Foreclosure '' XXXX and XXXX XXXX said NO XXXX was not telling the truth - Fake Assignments and Fraud was all over this title and the XXXX County Records. 
These firms refused to touch this VERY FRAUDULENT FILE. 

However in XXXX XXXX ' - XXXX XXXX XXXX was found as a Foreclosure Firm acting in ANY AND all Roles had no concerns to laws. And took the file. Filed NOD - refused to communicate and continued to file 3 Postings of Sales All sent to WRONG Address ALL HIDDEN sales to which were timed with a Criminal Trespass and which caused Massive Water Damage to the Property. At the same time XXXX stated " to assign '' Escalated Supervisors who each one disappeared claiming no longer work there. And exactly timed with XXXX XXXX efforts to attempt a foreclosure with false claims of Debt owed and deceptive practices. 

This caused massive horrendous abuses. A CA State Complaint was filed. 
XXXX answered by now lied to the Regulators stating that " They were Now Servicer '' Transferred role by XXXX XXXX XXXX and told the Regulators that XXXX XXXX XXXX stated that I failed to provide documents requested. This was also a lie as XXXX was NOT my Servicer during the prior Two years and  made no sense. 

Each lie created a new illegal act. Now forced to a BK which I never gave up my rights to my property. The firm hand carried fraudulent Notes and fake non compliant assignments and missing gaps. Later to be again made up fabricated by XXXX XXXX XXXX who CREATES FAKE DOCUMENTS JUST LIKE LPS DOCX AND RECONTRUST in the major NMS lawsuit. Now continues to make up FAKE PERSONS acting under dba 's and again NON Compliant Notaries refusing to follow CA law or any laws. 

Now XXXX somehow is no longer assigned - and QLS becomes the New Sub of Trustee self assigned by some " Limited Power of Attorney '' by XXXX 's own staff creating legal documents. Now QLS again files a Notice of Default and fails to properly Notice Homeowner, just like XXXX did, and also uses a twice used nearly 4 year old False Affidavit ( the same one used by XXXX ) and instructs to Auction Company named XXXX to Post, Publish false claims of Debt owed, Publishing to 3rd Party XXXX ( owned by XXXX ) to publish non public information. PUBLISHED TO OVER 20,000 PERSONS VIEWING - MY FULL ACCOUNT NUMBER, FULL NAME AND PERSONAL DETAILS. Slandering my title, Slandering my reputation. Caused entire shame to my neighbors and my business relationships. Loss of use of my property from still attempting to fix and repair when XXXX stated for me to file with Claims dept however claims dept made it difficult and would NOT take the Police Report # 's and instead asked for full Police report when they do not release when open investigations. All this causing more harm and blocked from property rights.
QLS states it was n't them that instructed XXXX to publish the personal information. However XXXX states it was them. Again this entire scheme to defraud continues. 

While this Notice of Sale is Posted at the XXXX County Records this causes another Massive Harassing situation as my " other '' XXXX Property without any Posted Sale Date was STOLEN on XXXX/XXXX/XXXX by a Deed Theft that is also matching and mimicking the same tactics of Servicer 's and making up fake assignments, using notaries, and claiming rights by Trustee 's Deed at Auctions. Those EXACT Same location and Auctions XXXX XXXX Posting QLS and XXXX as the trustee 's. The parties are stealing now from the Servicer 's and QLS is reselling these as well. This is totally massive corrupted now. 

XXXX XXXX XXXX is the Attorney firm overseeing QLS however XXXX Claims that " this Attorney '' Firm is representing them. A round circle continues. Each acts unaccountable to any applicable laws. 

A certified Mail was sent to QLS on the twice used defective details that are causing a violation of CA LAWS. However QLS fails to answer and instead claimed that they would " review '' the laws however now no laws are reviewed. 

This is to inform that this Sale date Threat has caused harm and needs to be looked into further. Each of the claims of ownership make no sense. No possible link exists. 

The claimed requirements by the underlying Creditor claimed have been violated. 
XXXX XXXX XXXX has a memo that explains clearly however no laws are reviewed. It is my belief that NO Rights exist by QLS and that they are now aiding illegal claims by misrepresenting roles, and failing to review any laws. This is a request to REVIEW the legal Documents with " Fresh Eyes '' to stop being biased in the response that only their client being the Alleged Servicer has made them to act. 

Under all Security laws this is a scheme to defraud. That this Note is TIME BARRED. 
That there are No Real Parties holding rights to enforce. And that only fraudulent documents are being used to aid in selling my home or threats to sell my property by strangers to strangers. I am asking that this be looked into by those parties such as QLS acting in a role that they must know is NOT valid.

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