Consumer complaint received 2024-05-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TJC Mortgage, Inc. (TX)

Letter to Attorney General XXXX XXXX describing in full detail the complaint and fraud committed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attention General XXXX : I, XXXX XXXX XXXX, of XXXX XXXX recently purchased and financed a home at XXXX XXXX XXXX XXXX XXXX Texas, XXXX. After the financing was approved for this house and prior to closing, I became the victim of an illegal, premeditated, and elaborate scheme to defraud me with a SECOND DOWN PAYMENT. The request and specific instructions for a wire transfer in the amount on {$6100.00} on XX/XX/XXXX from XXXX XXXX XXXXXXXX XXXX  to the XXXX XXXX Account provided to me by my loan processor of Mortgage Right. The loan XXXX, XXXX XXXX XXXX, XXXX # XXXX acknowledged and approved this transaction. The following Friday, XX/XX/XXXX was the closing of the house and the title company, XXXX XXXX XXXX, claimed to have not received the funds and I was requested to send a second wire under duress in the amount of {$5800.00}. I believe I was targeted, and this was forced upon me under duress, as after many delays and issues with closing, I needed to close on my house in order to have a place to live. I was temporarily living with my fatherXXXX XXXX XXXX in XXXX XXXX, Texas. 
Upon notifying all parties : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX, it has been determined the XX/XX/XXXX transaction was indeed fraudulent and according to the banks went to an international account, although the XXXX XXXX location is in XXXX  XXXX, Texas. Additionally, the beneficiary on this fraudulent wiring instruction was to XXXX XXXX XXXX XXXX, Texas location. As of XX/XX/XXXXXXXX XXXX XXXX XXXX the funds have Not been returned to XXXX XXXX XXXXXXXX XXXX although both XXXX XXXX and Mortgage Rights Compliance XXXX, XXXX XXXX, have made a very clear and distinct representation that XXXX XXXX has returned the funds to XXXX XXXX. This a continuation of the Illegal Fraud and Theft by Deception on the part of XXXX XXXX and now XXXX XXXX of Mortgage Right. This continuation of blaming other parties or lying about the transactions that have been proposed seems to be a pattern and a part of the intended scheme on the part of XXXX XXXX and XXXX XXXXXXXX from when they had access to my bank account statements and approved me for the mortgage. They assessed that I had sufficient funds to conduct the XXXX wire transfers. 
In this whole process of attempting to recover my funds, XXXX XXXX claims to have correspondent with XXXX XXXX, XXXX XXXX, however, has failed to provide any documentation, proof, or evidence of the transaction, although he claims that XXXX XXXX has returned the money to XXXX XXXX. XXXX and XXXX have also suggested I may have been the one who was hacked, and allowed for a hacker to send me fraudulent wiring instructions. This can not be the case, as there was confidential information in the wiring instructions and email correspondence involved, some which I did not even I had access to, being the amount of money necessary for cash-to-close, the title company involved, and the timing of closing and the fraud. This information can only have come from the title company or the mortgage company, in addition to being able to impersonate a loan processor so well. Ultimately, someone had to have the skills to disguise the transaction within XXXX XXXX to make it look like it was going to XXXX XXXX XXXX but was instead going to a foreign bank account. 
My realtoXXXX XXXX XXXX and his wife, who is his broker, XXXX XXXX are willing to testify that they personally witnessed XXXX XXXX take responsibility for this scam at closing. 
This whole ordeal has impacted me drastically. I just finished closing on my first house, additionally I am getting XXXX later this year, and was planning to use this money to work on my house and get it into a satisfactory state, start a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and to help cover the cost of the XXXX. I am an XXXX XXXX, and I have worked very hard for the money I have been able to save over the past few years to make these dreams become a reality. Because of the actions of XXXX and XXXX, I question how I can make any of this work. I am having to take lots of time off from work to deal with this fraud, deception, and malfeasance on the XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX and the other parties named below. 
I need assistance in recovering the {$6100.00} and having that returned to XXXX XXXX XXXX so they can determine the status of those funds so my bank account can be restored with the funds that were stolen. The parties responsible for this fraud, deception, consumer violation, and possible money laundering using mortgage transactions are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX