Consumer complaint received 2024-06-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Integrity Financial Corp. DBA US Loan Servicing (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XX/XX/XXXX Attn : Consumer Financial Protection Bureau Subject : Complaint Against XXXX XXXX XXXX Regarding Misrepresentation and Undue Influence in Property Transaction at XXXX XXXX XXXX, XXXX, Nevada I am writing to formally lodge a complaint against XXXX XXXX XXXX concerning the property transaction at XXXX XXXX XXXX, XXXX, Nevada, which my family and I purchased in XXXX. 

**Background : ** In XXXX, my family and I bought the property from XXXX XXXX through an owner carry-back agreement. My Nevada XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), provided the {$50000.00} down payment to secure the property, which features a XXXX XXXX XXXX a religious artifact significant to our spiritual beliefs. The transaction is managed by XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX **Issues : ** 1. **Misrepresentation : ** XXXX XXXX claimed that the XXXX XXXX XXXX on the property was an authentic religious artifact blessed by an XXXX XXXX. Despite repeated requests, she has not provided any factual proof of its authenticity. This potentially constitutes fraudulent misrepresentation under both Nevada law ( XXXX XXXX - Deceptive Trade Practices ) and federal consumer protection laws, such as the Federal Trade Commission Act ( 15 U.S.C. 45 ) which prohibits unfair or deceptive acts or practices. 

2. **Undue Influence and Coercion : ** During a period of marital discord, XXXX XXXX conspired with my wife to pressure me into a short sale of the property. While I did not sign the contract, their coercive tactics and undue influence caused significant distress. These actions may fall under undue influence as described in relevant case law and consumer protection statutes, which protect against coercive tactics in financial transactions.

3. **Illegal Eviction and TPO Misuse : XXXX XXXX XXXX XXXX XXXX, I was wrongfully arrested and evicted from the property based on a Temporary Protective Order ( TPO ) obtained under misleading circumstances. This has left me homeless and unable to access my property or possessions, potentially violating both Nevada laws ( NRS 118A.480 and NRS 118A.510 ) and federal housing protections under the Fair Housing Act ( 42 U.S.C. 3601 et seq. ).

**Current Situation : ** Despite the coercion, I did not sign the short sale contract. XXXX XXXX and my wife now have the home listed for sale at {$540000.00}, which is {$100000.00} more than the short sale amount they initially pressured me to agree to. Notably, the original short sale amount of {$440000.00} is a significant spiritual number, adding to the distress caused. 

I am currently homeless and residing in a shelter in XXXX XXXX. Despite working with the assistant to the Attorney General of Nevada, I face a nationwide warrant from XXXX XXXX due to the alleged TPO violation. 

**Request for Assistance : ** I request your assistance in investigating the following : 1. The authenticity of the XXXX XXXX XXXX and the representations made by XXXX XXXX. 
2. The undue influence and coercion exercised by XXXX XXXX and my wife regarding the property transaction. 
3. The misuse of the TPO leading to my wrongful eviction and the current listing of the property for sale. 

XXXX XXXX XXXX XXXX can be reached at XXXX and resides at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, UT XXXX. 

Your prompt attention to these matters is crucial to ensuring that justice is served and that similar unethical practices are prevented in the future. I am willing to provide any additional documentation or evidence required to support my case. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX.