Consumer complaint received 2020-10-15
Company: NJ LENDERS CORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I bought my house in XXXX with a XXXX XXXX XXXX XXXX   mortgage. I have subsequently found out that the title insurance policy and the deed do NOT match or even come close when I try to sell the house. The closing attorney XXXX XXXX XXXX XXXX   XXXX N.J. has not chosen to help in any way even though the deed itself has errors on it and the sellers signed certified tax information show that they sold me XXXX XXXX XXXX XXXX, N.J. and not the subject premise address of XXXX XXXX XXXX XXXX, N.J. The minutes, degrees and seconds description of my XXXX XXXX XXXX policy # XXXX location are no where near the deed location. I did some research and discovered that the lot and block were changed on XX/XX/XXXX in Book 6300 Page 96. The sellers closed with Power of Attorney when I bought the house and the closing documents appear to contain  much more than mistakes. My career as a XXXX XXXX XXXX has been destroyed due to caller ID spoofing with call interception and voice impersonation. I have also been physically impersonated so I get the feeling that I am dealing with organized crime. My phone number ( XXXX  ) XXXX was placed on a Government Services Administration mobile network that has been used to derail my finances to the point I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. Records show that the mortgage was foreclosed WHILE the house was in Bankruptcy protection in XXXX. The phone and email interception was so intense it was impossible to find a job anyway and when I did find a job my impersonated voice was cloned and used to call co-workers and bosses resulting in further job lost AFTER about 10 years of night school. I had a steady job working for XXXX XXXX XXXX XXXX in XXXX making $ XXXX plus very large bonuses when I bought the house and had no way of reconnecting with previous employers because I was unaware of the voice impersonation. Once I figured out that my phone number ( XXXX ) XXXX was on the mobile network code XXXX I went and bought new service and new phones only to have them cloned at or shortly after the purchase. The phone tampering may be associated with the closing attorney putting a power of attorney on me without my consent. I can back up my story every inch of the way and keep immaculate records that can be cross reference to proof it. At this  point my main concern is determining if the XXXX XXXX XXXX XXXX mortgage was paid off by NJ LENDERS when I refinanced in XXXX. There is no record of discharge anywhere and no pay off amount paid to XXXX XXXX XXXX XXXX to determine exactly how much I would owe on the property, all I get is a very inflated pay off figure from XXXX XXXX  company that does NOT include deduction for payments I have already made even though I can produce the paid checks that were process through my bank account. That's right I have the cancelled checks and XXXX XXXX XXXX refused to credit my account. The real question is who paid off the original mortgage from XXXX XXXX XXXX XXXX and how much was paid out so I can sell the house and pay the fair amount. I am being grossly overcharged. Outside of the phone and email interceptions authorities can't reach me because the owner of the house was listed by the closing attorney XXXX XXXX XXXX as XXXX XXXX XXXX and not the correct address of XXXX XXXX XXXX. I recently found out that there is a foreclosure auction scheduled for XX/XX/XXXX in the amount of {$150000.00} XXXX 's ball park price was displayed today as {$520000.00}. I know XXXX is not too accurate but the house is worth much more. I have reduced the price very, very low but can't go through with the sale because its a mystery as to who and how much was paid for the XXXX XXXX XXXX XXXX mortgage when I " refinanced '' with NJ LENDERS in XXXX. No one has any documentation of who paid off the original purchase mortgage from XXXX XXXX XXXX XXXX  if the mortgage was ever even issue. XXXX XXXX XXXX XXXX  who bought XXXX XXXX XXXX XXXX  researched the alleged mortgage for about three months and produced nothing at all. I NEED TO HAVE NJ LENDERS PROOVE THAT THEY PAID OFF THE ORIGINAL   XXXX XXXX XXXX XXXX  MORTGAGE IN XXXX AND SHOW HOW MUCH THEY PAID SO I CAN SELL THE HOUSE AND PAY ALL COSTS ASSOCIATED WITH THE HOUSE. Please see if NJ LENDERS will cooperate and produce proof that they paid off the original purchase XXXX XXXX XXXX XXXX  mortgage. Was the XXXX original purchase XXXX XXXX XXXX XXXX   mortgage ever filed? I have the MERS information also.

Company response to consumer: Closed with non-monetary relief