Consumer complaint received 2017-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: GOLDMAN SACHS BANK USA (NY)

original loan never assumed by owner, but forged signatures.yet still was paying amts 'owed ' until daughter discovered evidence of fraud. Did n't owe any new mortgages-debt paid, but was paying bank anyway. Now 'loan ' assigned to 3-4 people since XXXX , and modification [ and consolidation? ] resulted in monthly PMT increase? second application denied not before but AFTER foreclosure filed. Had been sending, repeatedly, to complete application to XXXX, the same docs, and no decision made known to me until lis pendens filed in courts.Also, Improper service. XXXX after reporting fraud to them, sent document for info to sign and formally make claim of fraud official, but they do n't own loan anymore. Bought, securitized and pooled by different entity. Looked up loan and owners not listed as original lenders. cant find lender/owner of loan and only loan servicers, saying they worked for bank, served as only contact. 
Nearing foreclosure judgment due to no atty representation, as senior citizen not receiving mailings of papers filed until discovered court filings. Was duped by banks issuing loans in my name. Similarly, land recording records indicate ownership and sale of property never sold or transferred causing 2yrs uncorrected deeds, sale transfer, and passing on of mortgages also not taken out by me.. XXXX same bank involved, with MERS with possible fraud conspiring with and/or by and among atty, notary, 'buyers ' brokers, etc ... incl. original ownership mortgage pmt to ATTY.XXXX XXXX, IN XXXX. Though had ID theft reported to credit bureaus-froze report since XXXX, but how are there new loans? impossible without checking report and my identity-confirmed identity of applicant borrower. And high interest rates though I, true homeowner had excellent credit until the fraudulent acts committed in my name, via fake signatures, falsified dates, recordings. Went to DA, AG, and reported fraud, but still proceeding with foreclosure action in ny. 
Have been a victim of housing crisis, lack of accountability, robo-signing, and clearly criminal misdeeds by others, more criminally savvy with no honorable intentions at all. XXXX, woman, now elderly and am paying for 'rimes ' never committed, and unknown to me. Used to believing in the fairness and honesty of banks and finanial institutions, and giving benefit of doubt, and feeling embarrassed to acknowledge vitimization, submitted mortgage payments anyway. It is impossible to ontinue in my senior years, paying for something illegal and unthical. Want to enjoy retirement, my life in my later years. Someone has to right these wrongs, please. And ease harrassing and further embarrassing me, sarring my name and reputation as a 'non-payer '. I always paid my debts without fail. Chek my records, past reditors. I even closed credit card acts with limits that were XXXX and above, in fear of continued fraud and id theft. Didnt know where to turn. Now, there is no other choice. XXXX still lives, I still believe. [ there are many more pertinent docs to support complaint, and i reserve right to admit them in the future in regards to this form 's contents