Consumer complaint received 2021-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WMC MORTGAGE, LLC (MA)

Dear CFPB, In XX/XX/XXXX, I submitted all required documents to then-servicer XXXX on a mortgage and loan on my late mother 's home. The purpose being to confirm my position as the Personal Representative of her estate, which gives me legal authority to access information and documentation in her stead. I inherited this predatory home loan after she passed over in XX/XX/XXXX. 
In their letter dated XX/XX/XXXX XXXX confirmed and acknowledged my position and updated their records to reflect their decision. 
This court appointed position is legally binding into perpetuity. 
My complaint : Despite the above fact ever since servicers changed from XXXX in XX/XX/XXXX - every servicer and agency connected with this mortgage and loan have ALL required I repeat the same procedure of submitting the same documents time and again to reconfirm my position as Personal Representative. 
They've recently added the requirements of including copies of my mother 's Will, the Property Deed and even my photo ID. 
I appeal to CFPB to review the exact documents submitted to XXXX and that CFPB demand that these agencies once and for ALL acknowledge me as the court appointed Personal Representative of my mom 's estate, and order them to cease and desist these stall tactics I've tolerated for the past seven years. 
An attorney strongly believes the catalyst for this blatant stall and redundancy stems from a curious incident which occurred in XX/XX/XXXX. 
In XX/XX/XXXX servicers changed from XXXX to XXXX. Since the complete files on a loan are relayed from the previous servicer to their successor, and XXXX said in their letter they confirmed I am Legal Representative and updated the loan records with that fact in XX/XX/XXXX ; it must be contained in those files. 
In XXXX I requested a copy of the Note on the loan from XXXX. Since they complied, this proves the above ; HOWEVER ; they also sent a copy of the note from a previous mortgage and loan by mother got almost exactly one year prior to this current one. 
Both loans were brokered by the same XXXX XXXX  based law firm and contain some very questionable discrepancies. 
One month after receiving these documents, XXXX sent a letter saying I must submit a list of documents to them before receiving any information on the loan ( i.e., to repeat the verification procedure completed by XXXX two years earlier ). 
This letter came one month after XXXX had already sent me the copies of the Balloon Note on the current loan and the unrelated Adjustable Rate Note from the prior mortgage so they must have known I was already confirmed as Personal Representative. 
So WHY is this reconfirmation process necessary??? 
The law firm responsible for brokering both of these predatory loans : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX # XXXX XXXX, RI XXXX ( XXXX ) XXXX The Adjustable Rate Mortgage was signed on XX/XX/XXXX, and the Balloon Mortgage ( current one ) was signed on XX/XX/XXXX. 
Both mortgages were notarized by the same person ; a partner in the law firm. 
A Real Estate attorney, who's also a Notary and two separate Notaries from different banks all examined both notary pages and attested to serious flaws in both pages : The XX/XX/XXXX Mortgage has NO Notary stamp. 
On the XX/XX/XXXX Mortgage, the Notary didn't fill in the form of identification the signee showed him. Finally, the Notary double-stamped the document, resulting in a smudged image. 
Copies of both Mortgages and their respective Notes are in the attachments. 
Several attorneys and all banking personnel all concurred my mother was the unknowing victim of a loan flipping scam, as she was XXXX years old when she got this current mortgage and the terms of both loans are ridiculous.One attorney went so far as to ask me if my mother showed signs of XXXX  or XXXX, as : Nobody in their right mind would agree to the outrageous terms of these loans. 
All felt the inclusion of the unrelated Adjustable Rate Note with its revealing Notary errors may have been the catalyst for XXXXXXXX XXXX conditional stipulation and all which followed. 
Every agency affiliated to this predatory mortgage since this incident have followed suit in requiring me to reaffirm my identity and appointment as Personal Representative of the estate. 
The three attachments below are labeled accordingly and contain the following : 1. LEGAL DOCUMENTATION All my legal documents sent to various agencies through the years.

2. CFPB COMPLAINT # 1 Documentation spanning servicers XXXX ( XXXX XXXX-XXXX. XXXX ) through XXXX ( XXXX XXXX ' XXXX ). 

3. CFPB COMPLAINT # 2 Documentation spanning servicers XXXX ( XXXX XXXX-XXXX. XXXX ) XXXX XXXX and servicer XXXX ( XXXX XXXX-XXXX  ). 

Below starting with XXXX in XXXX, I've listed all servicers, their term of service, XXXX XXXX and their contact information : 1. XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. XXXX, XXXX : XXXX XXXX XX/XX/XXXX Maintains an office at XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX. XXXX. XXXX. 

3.XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Customer Service : XXXX Email : XXXX Mail : XXXX XXXX XXXX , XXXX . 
Attn : Successor in Interest XXXX. XXXX XXXX XXXX  XXXX, OK XXXX XXXX. XXXX XXXX : XX/XX/XXXX - present XXXX XXXX XXXX. XXXX  XXXX XXXX, IL XXXX Customer service number:XXXX XXXX XXXX ( XXXX XXXX ) By Phone : Customer Service Department at XXXX By email : XXXX By Mail : XXXX XXXX XXXX XXXX, TX XXXX By virtue of the sheer repetition of this request and the years I've endured this redundant charade it is clear their goal is not to : Confirm my identity. 
See proof I am a relative of the borrower. 
See documentation I am the court-approved Personal Representative of my mothers estate. 
XXXX confirmed and acknowledged all the above in XX/XX/XXXX. 
Rather, it seems their sole objective is to impede, hamper and delay my progress until a date is set for the illegal auction of my childhood home. 
Again, I appeal to CFPB to agree I've met and exceeded all criteria by examining the documentation in the attachments and demand these agencies recognize my legal position as Personal Representative of my mother 's estate. 
The attachments contain dated documents in chronological order which confirm and corroborate all my above statements and those made in all preambles as absolutely true. Thank you. 
Most Cordially, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX, MA XXXX home : XXXX cell : XXXX XXXX  : XXXX XXXX