Consumer complaint received 2021-08-05
Company: AMERICAN ADVISORS GROUP
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
What my sister did is so hideous you don't even offer a choice for it. My mother passed XX/XX/2021. She left us ( my sister and I ) a house that was paid for and nothing owed against it. Approximately 30 days after my mothers death my sister, her boyfriend, and her daughter took out 2 loans against the house, using my sister daughter as the borrower, which my mom may have put 10 years ago when she got mad at everyone and said she was giving all to XXXX ( my niece ) but my niece changed and my mother reconsidered back to original plan ( original will of to my daughters XXXX and XXXX ... share and share alike. ) In addition my sister contacted an attorney and had the new will my mother had written ( i never got to see ) to make " some changes '' this attorney told me. He never met me my mom in person until the day of signing. My sister was there. I knew nothing about it. My sister was acting as my moms caretaker the last year of yer life. So my sister told my mom she found an attorney who would make her new ill legal and binding and protected, but instead my sister took the will my mother wrote and and had it modified. 
After my mother signed the will that looked like the one shed written in a hurried scene at the front door of the hospital she was at where becasue of the onset of coved 19 no one was allowed in. The will was slipped through the crack in the glass doors my mother signed and returned original to attorney. My sister than approached attorney that she needed the original so the attorned scanned the paperwork while sitting in his car ( according to him ) and my sister took the original. 2 weeks after my mothers passing my sister came forth with this to the family via email. Upon registering the will for probate it turns out there is no longer an original and it is clear why. 2 pages of the will are different and appear to have been " slip-sheeted '' in after my moms signing. these are the two pages that are most important as to what is left and my mom would have noticed these changes even though she have not noticed others, unsuspecting, and my siseter chose an 18 page will that was full of unnecessary content. These pages are darker and do not include the same line down the left side of the page left by the printer as the rest of the pages. I know my mom did not write this will. In the will there was one statement : " This house does have a reverse mortgage '' {$180000.00} HUD shows {$250000.00} ( appraisal district shows house valued around {$130000.00} ). The money was deposited into my mothers account and at one time at a Federal Hold on to Reclaim benefits. My sister has been mean and shady then entire time. Our first probate hearing is set for XX/XX/2021. 

In addition, i contacted the Lender, AAG prior to the first dispersement and told them my mother was dead. They asked for a death cert which i didn't have but said i should send probate papers so me contesting will and they would give a financial record of the property. They never did. I called several times trying to stop the loan until i was left a voice mail messge saying i had no authority to inquire about the property. My sister worked on this plan for about a year and half before my mother died I have since discovered along with the additional details i can provide, dates, amounts, etc. 

Thank you for any assistance you can provide. I can not even find a probate attorney who will take my case once they start hearing about the potential fraud and possibley illegal manuevers that were done. Once i acquired the death cert on my own because my sister has locked me out of the house drives my mothers new car made her funeral arrangements without me and has apparently been slandering my name for the last year so that my absense would be explained. My mother just died and I am heartbroken. I don't even know how to explain to you finding out what she has tried to do has affected me but i'm keeping it together for one reason. My mothers Last Will and Testament has nove even been presentede. My sister re wrote her will so that my sisters wishes were heard. Not my mothers. My mother worked so hard as a single mom and paid off her house to leave to us. There were no favorites, no unoridinary issues, just a greedy sister. But my mom more than earned the right to have her wishes heard. There was never a second of doubt when i read the will my sister said she found via email that my mother did not write that will. And i believe the the will submitted to the attorney my sister hired posiing as my mother was my mothers original will. I haven't seen any of them except the very first one my mother wrote. And this hideous document my sister emailed me ( because according to them the original was stolen with no further explaination. 
XXXX XXXX XXXX XXXX, TX

Company response to consumer: Closed with explanation