Consumer complaint received 2018-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Phelan Hallinan Diamond & Jones, PC (NY)

As per the letter you received from Dep of Justice and from Inspector Genera ; this criminal looter firm find guilty in lying to their clients and triple charging them we have to penalize3 them {$4.00} bill so those criminals will be out of business soon. 
I will inform CFPB that I will provide soon a PETITION signed by minim 150,000. CFPB penalize XXXX XXXX for {$1.00} bill for crimes a lot less than those two Law Firms and because a few thousand people complained about them. Well as of today I have 69,466 people signing the petition against the criminals mentioned above and I expect to get from 150,000 to 200,000 so such criminal activity will stop. If 69,466 is enough to bring a similar penalty to the above mention criminal company like XXXX XXXX please let me know so I can bring the petition as well as their letter confirmation and a proof of the illegality done against them so CFPB can penalize those criminal institution immediately. Also I would like to inform CFPB that I establish a Non-Profit organization that will have enough money ( I have a conformation of {>= $1,000,000} NOW ). SEC, Commerce Dept. and other Banking Departments will provide help from their Alumni legal system. I also have a Promissory note for a lot more money that will be deposit once we establish a complete system that will give victims like me a chance not only to bring to court only the companies that foreclosure illegal against their property but also criminals that did their best to foreclosure in order to collect a minim bonus for defrauding people. We want to make sure that each lair from XXXX, XXXX, and XXXX XXXX and in particular this lair from XXXX XXXX XXXX from XXXX Texas will be put in criminal court. Our Country fight XXXX, and other therrorist organizatin but the real crminal activity is the one against americans without any finacial obligation as is my case. XXXX, XXXX and XXXX, I am sure they will be out of businss soon as I dedicate my life to prove their criminal actovity from now on. Please put this letter in a special place so you can see such filthy and criminal organization will no longer be allow to operate and defraud people. I want to make sure that each victim have a chance now to sue those criminal organization for fraudulent foreclosures as was the case with a XXXX year old lady for a balance of only {$0.00} and a XXXX person XXXX year old for a balance of {$0.00}. If this is not the worst criminal activity than nothing is. I will also organize a special account so people that lose their property can defend themselves in court without any fear, Why CFPB penalize only XXXX XXXX for {$1.00} bill and did not close the doors permanently to such a filthy Law Firms?? To learn that they can defraud your property only because your name is on the Deed this to me is more criminal than any terrorist organization activity in this planet. Such Law Firm is the biggest danger today in America and I will do my best to expose them and close their doors permanently I have a simple question for those organization that confused fraudulent mortgages. If a family sale their property and only one sign the contract is that contract valid or not? It is clear that the incompetents from this Law Firms will declare that selling contract is a valid contract because they have a marriage certificate!!!!! I will never stop until I make complete light to the criminal activity that took place inside my property for which I do not have financial obligation. I also want to mention that a Judge from XXXX named XXXX XXXX XXXX was sentenced to 28 years in XXXX and I expect that in XXXX to see the same soon. I mention in my leeter dated XX/XX/XXXX about those activity and now we see results. 
XXXX XXXX I must record NOW all the abouve facts with your Office : I am a victim of fraud, and I will resolve all my issue only through the Court, not like the people mention above did to my property that was destroyed, abused, looted, vandalized. It is clear to me that in XXXX there are two kinds of laws one that most of the people like me which respect the law and one that Law Firm like XXXX, XXXX XXXX, XXXX, XXXX XXXX consider irrelevant and they can abuse without any consequences. Such abuses must change now. Law Firm XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX with XXXX XXXX with permission of the local Sheriff Office ( as stated by the rep of Phelan ) vandalize and loot my property not because I have any financial obligation or even any obligation under Mortgage NOTE but because my name is on the DEED!!!!!!!! The Local Sheriff Office was informed that the property is located in a gated community and once the Deed is temporary or permeant taken, you will not have access to the community. XXXX was aware of this, and they hired Law Firm Phelan ( another crime partners since both of them had been finding GUILTY at the Supreme Court of triple charging clients, as they consider themselves above the law ), to loot my property. Those kind of Law Firms are more dangerous than any criminal organization for making in Pennsylvania a liability to be the owner of a property. I only defend my property stolen temporary from me in a top secret close door act against XXXX  Foreclosure act XX/XX/XXXX. I am a victim of fraud done in particular by XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX with false and forged documents and a Mortgage Note never signed by myself. I am very confident that the Supreme Court will award back my property. I want to record OFFICIALLY the theft and vandalism done by looter XXXX   from XXXX XXXX, Pehalm, XXXX, XXXX, XXXX and XXXX XXXX to my property since was illegal and fraudulent and done in a top secret close door act done on XX/XX/XXXX. I am the Owner of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX that was, is and will always be my property. I am also confident that there will never be a person buying this property once they will discover all the legal implication. I am writing XXXX XXXX XXXX again since I will get back my property for which I am 1000000 % confident. I want to record with your office the barbaric act of vandalism, criminal trespassing inside my property and theft so in the future there would be no dispute in the criminal courts. I want to make sure that the criminal activity of all people and companys mention above will be recorded. Once this case is over the entire abuse will go to Federal Court and we restart from the beginning. I am glad that this happened since those people, companies and lawyer which used forge documents IN ORDER TO OBTAIN A FRAUDULENT DECISION will be expose. No lying lawyer or Judge are above law see the case with the Judge from XXXX that got XXXX years sentencing. What is the difference between a mortgage and a Promissory Note? Homebuyers sometimes think of the mortgage ( or deed of trust ) as the contract they are signing with the bank to borrow money to purchase a house, but it is the promissory note that contains the promise to repay the amount borrowed. A mortgage note ( also known as a real estate lien note, borrower 's note ) is a promissory note secured by a specified mortgage loan. Mortgage notes are a written promise to repay a specified sum of money plus interest at a specified rate and length of time to fulfill the promise. The mortgage note states the amount of debt and the rate of interest, and obligates the borrower, who signs the note, personally responsible for repayment. Without a promissory note, a foreclosing plaintiff can not show a legal injury, i.e., does not have standing to sue. Without standing, the action before the court does not qualify as a " case or controversy '' under Article III of  the constitution. Courts can only make rulings on " cases or controversies ; '' advisory opinions are a legal nullity. Consequently, a court that purports to enter a " judgment '' where it has no subject matter jurisdiction has in fact entered a legal nullity on its docket ; that " judgment '' is void as a matter of law. As such, any such " judgment '' entered where the plaintiff had no standing is open to collateral attack in any subsequent proceeding. What is more, subject matter jurisdiction can not be waived ; were that the case, parties could falsely induce courts to make binding rulings -- obviously non-sensical. In essence, the ruling upheld that those who had purchased foreclosure properties that had been illegally foreclosed upon did not in fact have title to those properties. As mention many times soon I will get back my property and soon will start my criminal case against everybody that defrauded my property and must pay {$260000.00} very fast. How can you allow looting, vandalism, theft and criminal activity inside a property and the case is in Courts????? The people involved in this horrible theft and vandalism knew about these laws and acted secretly so they could defraud me without any problems. I want your office to notice the following facts : 1 ) Hideout is a close in community with gate and security guard at all gates. 
2 ) the Deed was transferred temporary to XXXX XXXX on a fraudulent and illegal top secret close door. 
3 ) until I get back my Deed I do not can not have access at the Gate even if today I pay all my utilities. 
4 ) Since my case is at the Supreme Court, I will let the Court return my property with a legal decision. 
5 ) It is time to stop those top secret closed door activity in XXXX XXXX NOW. ITEMIZED LIST OF ITEMS OF STOLEN PRIVATE PROPERTY ( I DO NOT HAVE MORTGAGE ) 1 ) Main floor bedroom furniture includes bed mattress table two chairs total value {$750.00} 2 ) Main bedroom clothes and entry closet value {$6900.00} 3 ) Main floor living room : refrigerator, dishwasher machine, stove, microwave, value {$2600.00} 4 )  Main floor XXXX vitrine as well as dinner table chest value {$6600.00} 5 ) Main floor XXXX large flat TV, video recorder, video player 800 DVD value {$5800.00} 6 ) Main floor fireplace accessory other decoration tools, accessory value {$4600.00} 7 ) Main floor XXXX crystal and ( 12 people ) dinnerware crystal decoration value {$4800.00} 8 ) Main floor Washer and dryer plus bathrooms items value {$1700.00} 9 ) Main floor window treatments and decorations value {$2500.00} 10 ) Main floor lamps decoration, XXXX fan, tablecloths others value {$5500.00} 11 ) Main floor very exclusive plate decoration value {$4800.00} 12 ) Main floor porch garden tools furniture grill other value {$5700.00} 13 ) Basement 2 bicycles golf four full sets, bar ; winter sports items value {$5400.00} 14 ) Basement Antique fireplace decoration from XXXX value {$12000.00} 15 )  Basement antique items and decoration items in window and vitrine value {$6800.00} 16 )  Basement books, boiler, XXXX bar, air condition, others value {$6900.00} 17 ) Second-floor Bamboos bedroom two furniture deco TV chairs value {$3900.00} 18 ) Second-floor books in the bedroom closet other items value {$4600.00} 19 ) The second floor in second bedroom clothes including 20 suits value {$7800.00} 20 ) Second-floor bedroom # 2 cloth including suits coats pullovers value {$4900.00} 21 ) Second-floor Livingroom sofa, TV, XXXX DVD VHS CASSETTES MUSIC value {$12000.00} 22 ) Second-floor Livingroom Bamboo chest with 20 pullovers decoration value {$5800.00} 23 ) Second-floor wall decorations and memorabilia value {$18000.00} 24 ) Main entry furniture decorations other items inside the house value {$1500.00} 25 ) Garden tools and small shed value {$1600.00} 26 ) 24 garden large pine trees value {$22000.00} 27 ) Two large decoration deck trees value {$900.00} Total {$160000.00} There is another {$74000.00} on the stolen property for which I have all Photo Total damages is now {$240000.00} plus {$23000.00} for a GRAND TOTAL of {$260000.00} Thank you XXXX XXXX