Consumer complaint received 2024-12-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Aldridge Pite, LLP (AK)

Factual Background XXXX. Pending Appeal : The order lifting the automatic stay issued on XX/XX/XXXX, by the Bankruptcy XXXX is currently under appeal in the XXXX XXXX XXXX XXXX XXXX. This order is not final, and therefore no judicial foreclosure actions should be initiated during the pendency of this appeal. 
- Supporting Case Law : In In re XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Bankr. XXXX XXXX XXXX ), the court emphasized that pending appeals create a presumption against further actions that XXXX undermine the appellate process. 

XXXX. XXXX XXXX XXXX XXXX : There is an ongoing wrongful foreclosure action in state court involving the same property and the same parties, initiated by me in XX/XX/XXXX. Given this ongoing state litigation, the federal district court should refrain from hearing this case. 
- Supporting Case Law : The abstention doctrine was articulated in XXXX XXXXXXXX XXXX XXXX XXXX. v. United States, XXXX XXXX XXXX ( XXXX ), where the Supreme Court emphasized the importance of avoiding duplicative litigation when concurrent state and federal actions exist. 

XXXX. Lack of Subject Matter Jurisdiction : Bank XXXX XXXX can not establish proper subject matter jurisdiction in this case. Foreclosure is fundamentally a state matter, and absent a federal question, the federal court should dismiss the action. 
- Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), the Supreme Court ruled that federal court jurisdiction is limited in diversity cases where essential elements of the claim arise solely from state law. 

XXXX. Repetitive XXXX of Foreclosure Attempts : Bank XXXX XXXX has repeatedly attempted foreclosure actions against mesix times in the last 14 yearsonly to voluntarily terminate these actions each time. They should not be allowed XXXX bites at the apple without just cause. 
- Supporting Case Law : In XXXX XXXX XXXX Bank, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that a lender can not repeatedly litigate claims that have already been decided in prior litigation. 

XXXX. Lack of XXXX by Bank XXXX XXXX XXXX Bank XXXX XXXX lacks standing to pursue foreclosure actions against me because they are time-barred. Furthermore, they monetized the note as commercial paper at inception, as confirmed by testimony given under oath by a Bank XXXX XXXX witness during a bankruptcy evidentiary hearing. 
- Supporting Case Law : The principle of standing was articulated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), where the court emphasized that a party must demonstrate a concrete injury to have standing in legal claims. 

XXXX. Lack of Standing by XXXX XXXX : XXXX XXXX has failed to provide any evidence of authorization from Bank XXXX XXXX to represent them in this case. This raises significant questions regarding their standing and legitimacy in pursuing foreclosure actions. 
- Supporting Case Law : In Pleading and XXXX XXXX XXXX XXXX, it is stated that a party must show they are authorized to appear on behalf of another party to establish standing ( see XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX ) ). 

XXXX. Fabricated Claims : The amount claimed by XXXX XXXX as owed to Bank XXXX XXXX is entirely fabricated and unsupported by any legitimate books or records. There is no evidence under the rules of evidence to support the assertion that I owe any amount. 
- Supporting XXXX XXXX : In In re XXXX, XXXXXXXX XXXX. XXXX ( XXXX. XXXX XXXX XXXX ), the court noted that claims must be substantiated by credible evidence ; failure to do so warrants dismissal. 

XXXX. Invalid Notarization : The deed of trust is invalid due to a lack of proper notarization. The notary attestation block is missing essential verification language indicating that the signers appeared before the notary. 
- Supporting Case Law : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX ), the court held that a deed lacking valid notarization does not convey enforceable rights. 

XXXX. No XXXX XXXX : Bank XXXX XXXX 's claims lack merit because there is no injured party to support their allegations of default or injury. 
- Supporting Case Law : Courts have consistently held that a plaintiff must demonstrate actual injury or damages to proceed with a claim ( XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ). 

XXXX. XXXX XXXX : - The doctrine of XXXX XXXX states that in order to establish a claim, there must be proof that a crime or wrongful act has occurred. In this case, the absence of a substantiated injury or claim means that the essential elements needed to support the allegations against me do not exist. 
- Supporting Case Law : This principle was upheld in People v. XXXX, XXXX XXXX XXXX ( Cal. Ct. App. ) where the court held that without proof of a crime or wrongful act, claims can not stand. 

XXXX. History of Harassment : I have faced persistent harassment from these attorneys for over XXXX years, defending against predatory actions regarding my home. 
- Supporting Case Law : In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( S.D.N.Y. XXXX ), the court recognized that persistent and unfounded claims can constitute harassment and justify dismissal. 

XXXX. Breach of XXXX : Bank XXXX XXXX has breached the contractual obligations outlined in the Deed of Trust by failing to provide the required notice of intent to accelerate and notice of default. This constitutes a further invalidation of their claims. 
- Supporting Case Law : The importance of adhering to contractual notice provisions was established in XXXX XXXX XXXX, XXXX XXXX XXXX ( Alaska XXXX ), where the court held that failure to provide required notices can invalidate claims for default.