Consumer complaint received 2022-03-31
Company: Fidelity National Financial, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Complaint against Fidelity National Financial, its President XXXX XXXX XXXX, XXXX, and his subsidiaries XXXX XXXX XXXX XXXX dba via chain of 800+ shell subsidiaries ServiceLink and his employees XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and others for mass mortgage fraud ; impersonation as Government officials ; theft of money ; slander of Title ; forgery ; deceit, conspiracy to defraud and other crimes. 
XXXX XXXX XXXX acting under corporate names XXXX XXXX, XXXX ( former XXXX XXXX XXXX XXXX XXXX, XXXX ) and ServiceLink is a principal in a conspiracy to defraud consumers generally and homeowners specifically. 
Without XXXX XXXX XXXX XXXX, securitization in its present iteration could not exist. Without the ability to create false data, false reports, and fabricated documents that appear facially valid on images, there could be no claims for administration, collection or enforcement. 
XXXX XXXX and his team is the key player in all those areas and more while also delegate and coordinate various tasks via XXXX conduits such as XXXX ; XXXX ( under leadership of former XXXX XXXX XXXX XXXX ), its subsidiaries XXXX XXXX XXXX, XXXX and its subsidiary XXXX XXXX dba XXXX XXXX XXXX XXXX ( these Companies generate, print and send various correspondence and bills on alleged Servicers letterheads ) ; XXXX who own sub-forger XXXX XXXX XXXX XXXX where XXXX XXXX, XXXX massively forward forged documents to attach electronic signatures of non-existing MERS Vice Presidents ; XXXX XXXX XXXX who send unsigned Notices of Default, ec. 
I am a direct victim of XXXX XXXX and his employees criminal conduct. 
On XX/XX/XXXX I submitted my application for a VA mortgage loan with XXXX company XXXX XXXX XXXX XXXX who impersonated as a Lender ( XXXX  ) In reality, XXXX was XXXX XXXX actor-for-hire who pretended to be independent Lender. XXXX gave me a password to someones secured website ( XXXX XXXX ) where I submitted my information. 
On the same day XXXX team under leadership of XXXX, XXXX and XXXX XXXX ServiceLink XXXX XXXX, one of 16 ServiceLinks in Texas, generated fraudulent Flood Determination Zone acting under glimpse of FEMA who most likely was not even aware of this determination since my property was not in the Flood Zone. 
XXXX XXXX creative machinations, impersonation and fraud resulted in theft of {$100.00} per month for unnecessary force-placed Flood Insurance, on top of stolen from me money dressed as repayment of mortgage loan. Plus resulted in {$650.00} damages paid to a local Land Survey company who determined that my property is not and never was in the Flood Zone. 
On XX/XX/XXXX XXXX XXXX  gave me forged RESPA disclosure to hide XXXX Time zone where my Application was received and processed by someone who was not disclosed to me- XXXX XXXX XXXX via 15 XXXXa ServiceLinks shells under leadership of XXXX, XXXX, XXXX and XXXX On XX/XX/XXXX I had a closing with local XXXX XXXX XXXX XXXX whose employee XXXX XXXX lied to me about wire transfer from XXXX XXXX  while no such transfer was made. I merely received information about money and signed a document which looked like Mortgage from XXXX and Promissory Note. I relied in XXXX and XXXX XXXX representation and had no reasons to suspect fraud. 
Soon I received naturally looking letter purportedly from VA with guarantees. As I later learned, this letter was also sent by XXXX XXXX sham conduit, XXXX XXXX XXXX, XXXX who impersonated as VA. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX ( formerly XXXX XXXX ) who claimed to be a new Servicer for unknown to me parties. Again, I was absolutely confident that my transaction is legit and XXXX is a real servicer. 
During all time in question I was receiving billing statements from someone on XXXX letterheads who directed me to send my payments to XXXX  XXXX XXXX where my payments were collected and processed by XXXX for unknown to me beneficiaries. Again, I did not know about it since I had no reasons to suspect fraud. In reality, all billing statements were mailed to me by one of XXXX XXXX XXXX companies and my money were forwarded to one of major Investment Banks via complex money laundering scheme. 
On XX/XX/XXXX I received a letter from XXXX ( which was prepared and mailed by Fidelity ) informing me that I have deficiency near {$2000.00} which I need to repay ; plus my monthly payments increased over {$1100.00}. 
I filed a complaint with CFPB and XXXX ( aka XXXX XXXX ) immediately reduced my payments to {$950.00} and my deficiency disappeared. 
On XX/XX/XXXX I receive a letter mailed to me by XXXX XXXX XXXX, subsidiary of XXXX XXXX, a shady private equity firm, informing me that my new Servicer will be XXXX XXXX XXXX XXXX XXXX ( formerly XXXX XXXX XXXX XXXX ) I found this transfer suspicious since I was confident that my alleged loan is owned by XXXX XXXX who does not change Servicers like gloves. I submitted QWR and DVR to Servicers XXXX and XXXX and demanded explanations. Both companies burst in lies. 
In the meanwhile I submitted FOIA request to XXXX XXXX to demand disclosures regarding ownership of my alleged loan. 
On XX/XX/XXXX someone sent me a full package of my alleged loan where I found original RESPA ( not forged ) ; a copy of Allonge to my Note prepared on or before my closing day on XX/XX/XXXX by undisclosed collateral shipper XXXX XXXX ; a copy of someones worklog where unknown to me employee XXXX XXXX read secured messages from secured website how to process my payments via shady XXXX XXXX XXXX XXXX in XXXX where all my money went to undisclosed beneficiary, without crediting anything to my loans principal, interest or escrow. Aka stolen. 
All my payments during this time were collected and initially processed by XXXX XXXX 
Property insurance was paid by unknown to me third party payment company. Taxes were paid by XXXX XXXX XXXX whose unsigned letters can not explain who authorized them to pay the, While I continued my investigation, XXXX XXXX sham conduits XXXX and XXXX XXXX racketeered me with unsigned Notices of Default from XXXX CA where XXXX rents XXXX XXXX XXXX under glimpse of XXXX and other fake Servicers On XX/XX/XXXX XXXX XXXX XXXX, XXXX under XXXX XXXX XXXXeadership sent to its sham conduit National Title Clearing forged Assignment of Mortgage from XXXX to XXXX ( which could not happen in real life under no circumstances ) to attached robo-signature of non-existing ICE/MERS XXXX XXXX XXXX XXXX and notarized by fake XXXX XXXX XXXX. 
On XX/XX/XXXX I finally received a respond to my FOIA from HUD who said that they do not have any records about my transaction. 
I demanded explanations from XXXX whose letters are prepared and sent to me by other companies. My demand for disclosures was ignored. 
On XX/XX/XXXX I spoke with someones call center employee XXXX XXXX who said that the owner of my alleged debt is XXXX XXXX. 
On XX/XX/XXXX I spoke with someones call center employee who calls himself XXXX XXXX ( although I am not sure it if is his real name ) who said that XXXX is owner of my debt but refused to talk how XXXX became the owner ; and offered me modification On XX/XX/XXXX XXXX XXXX XXXX XXXX sent me flagrantly fraudulent Modification and VA XXXX XXXX where I suppose to promise payments to XXXX who has absolutely nothing to do with this modification or alleged servicing ; and whose CEO XXXX told SEC that XXXX does not have any other offices except their headquarters. 
This modification and VA Claim ( dressed as XXXX Mortgage ) was directed to return it one of 15 ServiceLinks in CA under leadership of XXXX, XXXX, XXXX, XXXX and XXXX. 
When I filed my Complaint with CFPB against ServiceLink, it went to Fidelity National Financial whose unidentified representative lied to CFPB that XXXX purportedly hired one of 15 ServiceLinks in XXXX  ( under XXXX, XXXX, XXXX, XXXX leadership ) to perform Title Search. 
When I asked if ServiceLink did perform Title Search for XXXX, they refuse to respond. 
This is absolutely clear that all this fraud, forgery and theft of my money are conducted by XXXX XXXX and his employees who hire various XXXX companies to mail correspondence and bills on behalf of fake Servicers who are not receiving any payment that I have ever directed to them or any predecessor company that was designated as Servicer. 
Now XXXX XXXX mailed me his denial of fake Modification and try to force to sell my home and extort from me money I never owed to anyone. 
XXXX XXXX and his employees must stop their racketeering activities and harassment ; RETURN me ALL stolen from me money including closing costs ; payments for fake Flood Insurance and my {$650.00} for a new survey. 
Pay me treble damages for fraud ; treble damages for racket ; plus {$50.00} XXXX for other damages, including extreme emotional distress and slander of Title. 
CC : HUD, SEC, CFPB, FTC, DIFS ; XXXX XXXX XXXX  XXXX XXXX and other Agencies as Administrative Claim under Federal Tort Claims Act.

Company response to consumer: Closed with explanation