Consumer complaint received 2022-08-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (TN)

This is a follow up complaint about XXXX gross failure to follow the rules. First- XXXX had the many requests of XXXX XXXX my domestic mate and myself jointly for three years in many phone calls and emails and te XXXX and online. It was only after three years that XXXX interferes with this contractual arrangement and called and harassed XXXX til he did not want to deal with XXXX. This is contractual interferance and is malicious and planned by policy. They refused to accept multiple XXXX signed and witnessed and sent to XXXX or to honor many joint calls where our attorney and XXXX instructed S to accept me as co owner/hill owner and to modify the arrearages/mortgage. He obtained the original forbearance d requested over XXXX times a modification/payment plan that was ignored. THIS WAS MALICIOUSLY CALCULATED BY XXXX to destroy our XXXX. XXXX grossly malicious continued refusal for three years to abide by instructions from previous mortgage holder and myself and our attorney proves gross bad faith. 

They interfered grossly with ownership/contractual agreement with my domestic partner and his control of his former property. 

The case law is clear as well. XXXX is forcing me into bankruptcy which bc will be horrifically damaging to try and STEAL my Home. 

This also PROVES their gross bad faith and fraud by charging grossly inflated fees when the LAW STATES NO ADDITIONAL FEES CAN BE CHARGED OTHER THAN ORIGINAL MORTGAGE COSTS IN ARREARAGES YET THEY OVERCHARGED BY XXXX and illegally repeatedly demanded LUMP SUM PAYMENTS WHILE BLOCKING ANY PAYMENT ATTEMPTS WHEN LAW STATES WE COULD BEGIN REPAYMENT ANY TIME! This is a POLICY! not an error XXXX has a network of policies CALCULATED TO STEAL PROPERTIES!!! STOP THEM! 
We received a letter stating I did not qualify as a successor in interest when I do as a domestic partner who holds the entire deed to property for years as a transfer for debt owed by my domestic partner. XXXX agreed for me to be a successor in interest when it put my name with original mortgagor on a n offered contract to modify the mortgage which it the. Reneged on AFTER we signed and returned it. They can not now claim I am not a successor in interest or an owner since now I AM and HAVE been sole owner for years and gave full ownership through deeds prior to any arrearages. I made all mortgage payments from my salary and I was deeded my home in payment of a domestic debt created in anticipation of marriage. I am the SOLE OWNER. Discussion g my property when I AM SOLE OWNER IS a violation of my rights of ownership. 

I am including a SCREEN shot if the fact that MY NAME as co owner was typed on the co tract offered by XXXX the. Reneged on after acceptance!!!!! Signed by XXXX as well in front of lawyer! This proves they accept me as successor and as a coowner it states with rights of succession?!!!! This is theft! 

XXXX has evaded, obfuscated, ignored and defrauded all attempts to settle this for three years starting with their theft of theee payments WHEN MORTGAGE WAS CURRENT and there was NO legitimate ability to foreclose them XXXX ran up arrearages to steal the property while falsely engaging in FAKE negotiations while listing the property 9 times in auction!! CONSTANT DUAL TRACKING ABUSIVELY MANY TIMES WHILE REFUSING TO ALLOW NE TO BEGIN ANY REPAYMENT OF ARREARAGES THEY FALSELY RAN UP! 

THEY ALSO ILLEGALLY DEMANDED LUMP SUM PAYMENTS WITH NO EXIT PLAN ILLEGALLY FIXING THE PORTAL SO THAT NO PAYMENTS COULD BE made Grossly violating REGYSING TO CREDUT OSYMENTS TBST FUSAPOEARED! Violation code grossly FORBEARANCE RULES- AFTER ORIGINAL MORTAGOR SENT multiple POA and releases for me and our attorney to solely manage the property!!! THEY NRVER RESPONDED TO MULTIPLE LETTERS FROM LAWYER XXXX XXXX WHEN THEY HAD RECEIVED MULTIPLE CALLS WITH HIM AND XXXX XXXX ON LINE GIVING PERMISSION AND POAS!!!?! 

THEY HAVE ACTED IN GROSS BAD FAUTH, stole payments, ignored XXXX notices til after a sale, ignored modification application multiple times, reneged on a signed co tract they wrote and sent to ME! 

I DEMAND I BE GIVEN AS LAW REQUIRES A MODIFICATION IMMEDIATELY AS WELL AS DAMAGES FOR THE GROSS HARASSMENT XXXX engaged in with impunity for three years. AND THAT XXXX be fined and ordered to stop their clear policies to steal property. 

I DEMAND ASSISTANCE AND THAT CFPB file suit for this gross pattern of bad faith TO STOP THIS FRAUD.