Consumer complaint received 2015-08-27
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: LCS FINANCIAL SERVICES CORPORATION (CA)

My complaint is regarding failure to prove the validity and proper assignment proof of ownership and or custodial servicing rights of my mortgage debt. The loan in question derived from the purchase of my current residence which was completed on XXXX XXXX, XXXX, as an XXXX subprime mortgage loan. This particular portion of my loan is the XXXX mortgage and it has been transferred from XXXX, at XXXX XXXX, XXXX, CA. XXXX and at some point in XXXX XXXX, to XXXX XXXX XXXX ( XXXX ) at XXXX, TX. XXXX, after closing. This debt was discharged in my Chapter XXXX bankruptcy filed in XXXX. In XXXX of XXXX, I attempted to locate my XXXX mortgage lien holder in order to determine if the debt had been liquidated or " Stripped Away '' within my bankruptcy by contacting the XXXX XXXX property records department. After careful review of the lien holders on title for my property it was established that the last recorded lien holder was XXXX. After extensive additional research, it was discovered that XXXX XXXX XXXX ( XXXX ), acquisitioned XXXX in XXXX, during my execution of Chapter XXXX bankruptcy. XXXX, was contacted immediately in XXXX XXXX and XXXX to no avail, and we were not given any information in regards to ownership nor servicing information of any kind after multiple attempts. We also reached out to the holder of the Deed of Trust XXXX and there records indicated as well that XXXX and or XXXX should have the records for the loan. After multiple attempts at locating my second mortgage debt within XXXX extremely convoluted infrastructure and multiple consumer complaints filed on XXXX XXXX, XXXX, which resulted in XXXX claiming to have no knowledge of the debt.Finally there was a letter received from XXXX, which is the holder of the Deed of Trust account advising for us to contact XXXX, and speak with XXXX XXXX XXXX. *See Exhibit " A '' Letter from XXXX dated XXXX XXXX, XXXX, identifying XXXX as the new servicer.We immediately contacted the Director of XXXX Ombudsman 's Office named XXXX XXXX at : XXXXXXXXXXXX, via email and phone from XXXX XXXX, through XXXX XXXX, XXXX. He finally responded via email on XXXX XXXX, XXXX, stating that he was unable to locate the loan in question and we never heard from him again. I had no choice but to eventually file additional complaints with banking regulatory agencies in order to force a logical response on XXXX XXXX, XXXX. *See Exhibit " B '' Response email from XXXX XXXX XXXX from XXXX. XXXX, responded to the XXXX set of complaints, which slammed XXXX XXXX regarding his refusal to respond to any more requests to the whereabouts and location of our XXXX mortgage. This notice dated XXXX XXXX, XXXX came from and was addressed by a XXXX XXXX XXXX of the XXXX Ombudsman 's Office. *See Exhibit " C '' Letter from XXXX, naming Mountain XXXX XXXX XXXX XXXX holder of my XXXX Mortgage. The response provided by XXXX, was an alleged outdated letter from XXXX, XXXX XXXX, XXXX stating that my loan was transferred to a XXXX XXXX XXXX XXXX ( XXXX ) at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CO XXXX, owned by Attorney XXXX XXXX XXXX, XXXX on XXXX XXXX, XXXX. XXXX XXXX was then contacted on XXXX XXXX, XXXX and he was quite flustered when questioned about the information and paper trail that led to his company XXXX. He attempted to explain how his former company had possibly been assigned the loan, however the company XXXX had been defunct years ago and that he needed to research the matter. On XXXX XXXX, XXXX, XXXX XXXX then passed us on to an attorney by the name of XXXX XXXX at XXXX, from XXXX.at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO. XXXX