Consumer complaint received 2024-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Veripro Solutions Inc. (AL)

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, husband and wife, married XX/XX/XXXX in XXXX, XXXX, INST # XXXX, BOOK # XXXX PAGE # XXXX, Bought a home XX/XX/XXXX through XXXX XXXX XXXX XXXX, with a XXXX XXXX  XX/XX/XXXX, ( DEED INST # XXXX BOOK # XXXX PAGE # XXXX ), ( MORTGAGE XXXX  % INST # XXXX BOOK # XXXX PAGE # XXXX MIN : XXXX Exhibit " A '' XXXX -- ) ( MORTGAGE XXXX % INST # XXXX BOOK # XXXX PAGE # XXXX Exhibit " A '' XXXX -- MIN : XXXX ) in XXXX XXXX, XXXX  XXXX Property address ; XXXX XXXX XXXX. XXXX, XXXX  XXXX. 

XX/XX/XXXX INST # XXXX BOOK # XXXX PAGE # XXXX, an XXXX EXHIBIT " A '' created by, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  # XXXX, effective XX/XX/XXXX, CERTIFIED OFFICERS ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, list of XXXXXXXX XXXX XXXXXXXX appointed ASSISTANT SECRETARYS and VICE PRESIDENT of XXXX in conjunction  with XXXX XXXXXXXX XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX, XX/XX/XXXX, signed XXXX XXXX?? XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DAY OF XX/XX/XXXX, NOTARY XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX EXHIBIT " A '' This erroneous Exhibit " A '' was used illegally XXXX  times in conjuction with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX insted of Exhibit " A '' XXXX, to steal from XXXX XXXX  , extingishing the XXXX % loan, all while collecting on XXXX through Mortgage sevicers, eventually securing title and deed with the XXXX  % loan though errounous filings which violate 18 USC 152.157 and 3571, then split up and paid by XXXX  payments/ secured/ prioritized through XXXX XXXX XXXX XXXX XXXX XXXX , Claims in XXXX, XXXX, and XXXX, attached documents.. 

according to Instrument # XXXX BOOK # XXXX PAGE # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  recorded XX/XX/XXXX states, Instrument # XXXX, in BOOK # XXXX, PAGE # XXXX. Instrument # XXXX, BOOK # XXXX Page # XXXX, was used in case XXXX, Claim XXXX, Part XXXX, Filed XX/XX/XXXX, XXXX XXXX Instrument # XXXX, BOOK # XXXX Page # XXXX, was used in case # XXXX Claim XXXX XX/XX/XXXX, XXXX XXXX  DOCUMENT, by XXXX XXXX, XXXX signed by XXXX XXXX, in Bankruptcy, after filing it was XXXX  documentation in XXXX. Instrument # XXXX, BOOK # XXXX Page # XXXX, was used in case # XXXX as exhibit XXXX XXXX  times XXXX XXXX XXXX XXXX Assistant Vice President of Bankruptcy, XXXX XXXX XXXX and XXXX  Doc XXXX, with a loan transaction dated XX/XX/XXXX. The listing of creditors within last XXXX bankruptcies I will also attach XXXX XXXX XXXX XXXX XXXX XXXX, pay close attention to BORROWER DESCPTION, LEGAL DESCRIPTION, and LINKS, erroneous mortgage assignments, corporate assignments, BOOK AND PAGE NUMBERS, do not match and show intent. THIS IS HUGE!! 

An illegal foreclosure has occurred XXXX law Section 35-10-14, ( a ), has been violated I will forward information to XXXX  Attorney General along with 18 USC 152.157 and XXXX, XXXX XXXX GENERAL NEEDS TO GET INVOLVED. 

XXXX Both of my loans originated in XXXX, my XXXX  % XXXX/ XXXX XXXX according to XXXX was Inactive as of XXXX, XXXX XXXX Probate original Instrument # XXXX Book XXXX  Page XXXX  Deed Instrument # XXXX Book XXXX Page XXXX, Title XXXX REAL EXHIBIT " A '' MIN : XXXX, now Inactive in XXXX reflected active XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX all have been mentioned in documentation. ( Original Loan # XXXX to XXXX & XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) , ( XXXX XXXX XXXX XXXX  ), ( XXXXXXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX  ), ( XXXX VERIPRO SOULUTIONS ), ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX RECORDS ARE REQUESTED In the Matter of : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX. QUALIFIED WRITTEN REQUEST Dear Sir or Madam : Please treat this letter as a qualified written request under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). Specifically, we are disputing a ) the identity of a true secured lender/creditor, and b ) the existence of debt, and c ) your authority and capacity to collect on behalf of the alleged lender/creditor. Because of extensive criminal activity and fraud in this arena, we require proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. Further, we require proof that you are the entity that has been contracted to work on behalf of the alleged lender/creditor. Pursuant to Subtitle E Mortgage Servicing of the XXXX XXXX XXXX Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ), please provide : 1. A full, double sided, certified true and accurate copy of the original promissory note and security instrument and all assignments of the security instrument.

2. Full name, address and telephone number of the actual entity that funded the transaction.

3. Full name of Trust where the Note Number is trading, or has traded, and the identifying Series of Certificates. ( Note : If the note number is being traded in a XXXX XXXX XXXX  or XXXX XXXX XXXX, please provide all information to identify the XXXX ( i.e. XXXX XXXX XXXX  Number, XXXX  Number, XXXX  or XXXX  Trust Number and Trust Class/Tranche ).

4. Full name, address, and telephone number of the Trustee.

5. Full name, address, and telephone number of the Custodian of my original Promissory Note, including the name, address and telephone number of any trustee or other fiduciary. This request is being made pursuant to Section 1641 ( f ) ( 2 ) of the Truth In Lending Act.

6. Full name, address, and telephone number of the Custodian of my original Security Instrument, including the name, address and telephone number of any trustee or other fiduciary. This request is being made pursuant to Section 1641 ( f ) ( 2 ) of the Truth In Lending Act.

7. A physical location ( address ) of the original promissory note, original security instrument, and all assignments of the security instrument, and a contact name and phone number of someone who can arrange for inspection of said documents.

8. Full name, address and telephone number of any master servicers, servicers, sub-servicers, contingency servicers, back-up servicers or special servicers for this account.

9. The electronic XXXX  number assigned to this account if this is a XXXX  Designated Account.

10. Proof of true sale of the note from alleged Lender to investors, by showing : Wire transfer document ( s ), and/or Signed purchase and sale agreement ( s ), Bank statements or similar documentation.

11. The XXXX XXXX Report, if the note number and security instrument was tracked by XXXX XXXX XXXX XXXX. I want to see the audit trail of the alleged transfer in ownership and alleged transfer in security interest.

12. A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied.

13. A complete and itemized statement of all advances or charges against this account.

14. A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of your response to this letter.

15. Have you purchased and charged to the account any XXXX XXXX?

16. A complete and itemized statement from the date of the note origination to the date of your response to this letter of the amounts charged for any XXXX XXXX, the date of the charge, the name of the insurance company, the relation of the insurance company to you or a related company, the amount of commission you received for each XXXX XXXX event, and an itemized statement of any other expenses related thereto.

17. A complete and itemized statement from the date of the note origination to the date of your response to this letter of any suspense account entries and/or any corporate advance entries related in any way to this account.

18. A complete and itemized statement from the date of the loan to the date of your response to this letter of any property inspection fees, property preservation fees, broker opinion fees, appraisal fees, bankruptcy monitoring fees, or other similar fees or expenses related in any way to this loan.

19. A statement/provision under the security instrument and/or note that authorizes charging any such fee against the account.

20. Copies of all property inspection reports and appraisals, broker price opinions, and associated bills, invoices, and checks or wire transfers in payment thereof.

21. Complete copy of any transaction report ( s ) indicating any charges for any " add on products '' sold to the debtors in connection with this account from the date of the note origination to the date of your response to this letter.

22. Complete and itemized statement of any late charges added to this account from the date of the note origination to the date of your response to this letter.

23. Complete and itemized statement of any fees incurred to modify, extend, or amend the loan or to defer any payment or payments due under the terms of the loan, from the date of the note origination to the date of your response to this letter.

24. Complete, itemized statement of the current amount needed to pay-off the alleged loan in full.

25. Verification of any notification provided to me of a change in servicer.

You should be advised that within XXXX  ( XXXX  ) DAYS you must send us a letter stating that you received this letter. After that time you have XXXX  ( XXXX  ) DAYS to fully respond as per the time frame mandated by XXXX, in XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX  and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ). TRUTH IN-LENDING ACT 131 ( f ) ( 2 ) Pursuant to 15 U.S.C. 1641 ( f ) : Please provide the name, address and telephone number of the owner ( s ) of the mortgage and the master servicer of the mortgage. You should be advised that Violations of this Section provide for statutory damages of up to XXXX and reasonable legal fees. The amendments also clearly provide that the new notice rules are enforceable by private right of action. 15 USC 1641 XXXX XXXX XXXX XXXX and XXXX XXXX XXXX