Consumer complaint received 2015-12-30
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am contacting Consumer Financial Protection Bureau ( CFPB ) again at the request of Senior Counsel of Fraud Division of Department of Justice in DC who feels CFPB should have helped me with my mortgage problems. My mortgage company knows my co-op was stolen with all of my contents from me on XXXX XXXX, XXXX. Not only my mortgage company did not try to help me get back my stolen co-op, but it conspired with thieves to illegal sell stolen co-op, cover-up crimes committed against me by claiming theft of my co-op was legal, damage my reputation by stating that owe for maintenance, destroy my credit rating by reporting my mortgage payment late for over 30 months and judgment for not paying its credit card, and now on XXXX XXXX, XXXX, trying to claim all of the tainted proceeds from illegal sale of my stolen co-op to pay-off the mortgage -- knowing that I did not know or authorize the sale of my stolen co-op on XXXX XXXX, XXXX, by co-op management based on a judgment and warrant that never existed. 


On XXXX XXXX, XXXX, without a judgment or warrant my co-op management stole my {$250000.00} co-op/home of 14 years while I was at work by hiring a locksmith to break, enter and change my co-op door lock and made me homeless by barring me from entering my co-op building because I am a XXXX woman in violation of XXXX, XXXX, XXXX and XXXX Amendments of XXXX XXXX, XXXX of Rights, Mortgage Foreclosure Laws and Co-op Proprietary Lease. 

On or about XXXX XXXX, XXXX, I contacted my mortgage company, American Express Bank FSB and its mortgage servicer, XXXX Mortgage XXXX, ( Amex ) for help in getting back my stolen co-op because the co-op management not only broke the law ( breaking and entering my co-op is a felony ) but also violated the0 Recognition Agreement with Amex and me. Also, Amex has a Loan Share Agreement with Fannie Mae that says if the co-op violates the Recognition Agreement that Amex is supposed to sue the co-op. 

AMEX CONSPIRED AGAINST MY RIGHTS TO DEPRIVE OF MY CO-OP. Amex acted in concert with the co-op management to deprive me of my co-op and cover-up crimes committed against me by doing nothing to help me get back my co-op, destroying my means to earning an income by damaging my credit, not informing Fannie Mae that I stopped paying my mortgage after I lost co-op possession on XXXX XXXX, XXXX, not putting me in foreclosure, making no effort to collect on the mortgage, allowing my stolen co-op to be illegally sold on XXXX XXXX, XXXX, continuing to report my mortgage late on my credit report as of XXXX XXXX, waiting for co-op management to notifying me in letter dated XXXX XXXX, XXXX, about the illegal sale of my stolen co-op on XXXX XXXX, XXXX, and {$100000.00} escrowed proceeds in NJ XXXX XXXX XXXX for case XXXX, and putting in a Motion on XXXX XXXX, XXXX, for case NJ XXXX XXXX XXXX XXXX lawsuit which is not a party to claim the entire {$100000.00} ( approx. over {$19000.00} more than my mortgage amount ) to circumvent the law, violate my due process rights and void mortgage foreclosure laws ( Exhibits B and C ). 

STOLEN CO-OP IS STOLEN PROPERTY. For over 3 years, fighting 24/7 to get back my stolen co-op and belongings. I still have the mortgage on the co-op because I am the legal owner ( Exhibit B ). There is no judgment, warrant or foreclosure on my co-op. I want my co-op back in my possession, and mortgage rights to be protected.

Company response to consumer: Closed with explanation