Consumer complaint received 2016-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (IA)

I have a mortgage for property : XXXX XXXX XXXX in XXXX, GA XXXX in XXXX XXXX. The warranty deed clearly states its metes and bounds and there is are XXXX legally recorded plats on file ( XXXX describing location and a road with an easement, the other showing the exact property lines themselves ). 

For some reason, the legally recorded warranty deed and plats are not being used as if they are legally bounding contracts and files. 

I never signed legal documents to change the metes and bounds of my property ( nor did past co-owner/deceased ) at any time. Anything sans our signatures and/or consent should not exist. 

Repeated fraud occurrs via XXXX of my neighbors - who uses a forged plat ( felony GA 44-2-43 ) to share with her friends that SHE owns a portion of my property. 

With this forged plat, my neighbor started a barrage of attacks against me, accusing me of crimes while being on the section of my property she claims is hers. 

Because she works for an attorney and lives with a Sheriff 's Officer, XXXX XXXX Governing Agencies have repeatedly refused to investigate - instead they are using the forged plat as if it was a legal document and retaliating against me when I bring the legal documents to their attention. ( ie ; warrant for criminal trespass on my own property after I met with DA investigator ). 

I need my mortgage to MATCH my warranty deed/plat. In order to do this, a legally recordable plat must be signed by the Planning Office and a fee paid for NEW legally recordable documents to be filed ... 

However, there is not a legally recordable plat. There is just a forgery. It does n't comply with the GA Plat Act and can not ( is not ) filed on any Page or Book in the Clerk of XXXX XXXX Courts. 

I did not buy property and enter into a binding contract of a mortgage, to have it ignored. The Mortgage Company needs to make sure the property I own IS the property I own. They must investigate the fraud and make things right. 

There are XXXX title insurance policies ( XXXX for mortgage company and XXXX for deceased owner ). I do not have clear title because of this mess. 

Since I did n't consent to any changes and have not changed my property 's Warranty Deed or any of the mentioned documents or attachments, NOTHING should have changed. I pay property taxes BASED on the filed deed/plats - not the forgery. 

With the forgery, the many accusations have lead to me being kicked out of my own home ... because it 's too close to " she-who-shares-property-lines '' - with the last accusation of me beating up a neanderthal ( who I reported to the DA/IA for lying on XXXX arrest warrants against me ) and criminally trespassing on my own land ( again ) ... I have n't been to my house since XXXX XXXX, 2013 ... .. I own it. I lived there alone. I paid strangers to move me out ( tons is missing ). 

I need help. There are folks in XXXX XXXX, Georgia who are ignoring the contract of my mortgage and its legally recorded intent. If they are doing it to my property, I 'm sure it 's happening to others as well. 

I do n't believe the residents of a small town should have their rights revoked by others with governing seats ignoring the laws that are supposed to keep the peace. 

If anyone has something to offer, please email me XXXXXXXXXXXX