Consumer complaint received 2025-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY

Complaint narrative:
STATE OF NEW YORK
WESTCHESTER COUNTY
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1.	The post office address of the claimant is 148 Clove Road, New Rochelle, NY 10801.
(Plaintiff herewith listed is also known as, her, she, me, my, I, and claimant.)

2.	These claims arises from the acts and omissions of the defendants The State of New York. Details of said acts and omissions are as follows:


3.	CAUSES OF ACTIONS: (CoA)
The Plaintiffs Cause(s) of action is a legal claim that allows her to seek judicial relief. These CoAs gives the Plaintiff the legal right to seek a remedy and relief from the State of New York because of acts of omission, failure to perform duty to protect, and the breach of the States obligation to keep its citizen, the Plaintiff, from harm, the harm that is still existing and still being allowed by the defendant(s), and that is being perpetuated on the Plaintiff by immoral groups, companies, entities, and individual persons, that has committed fraud, and illegal transactions against the Plaintiffs mortgage, and is still stealing from the Plaintiff, and that has brought severe financial and emotional harm to the plaintiff. The Plaintiffs CoA is also for the group of operative facts that is giving rise to more than one basis for suing; factual situations and matters that entitles me, the Plaintiff, to obtain a remedy and relief in court from my New York State, that failed to protect me and has been derelict in the duty to protect me from fraud, harm, destruction, illegal dealings, and abuse from these bad entities.
The CoAs listed are the Mortgage frauds and the fraudulent transactions and theft of over $500,000.00 from the Plaintiffs home and equity done by misconduct to her mortgage and escrow through fraud and deliberate theft by: Countrywide, XXXX XXXX XXXX New York Bank of Mellon, XXXX XXXX XXXX XXXX XXXX servicers. The loan numbers listed below are the loan numbers that was used to force illegal foreclosures, and then into illegal modifications. They used multiple loan numbers to divert the system, with ambiguity sidetracking, using these multiple loan numbers, by first, illegally applying, immediately, $5,000.00, to Plaintiffs loan stating the Plaintiffs original loan was $445,000.00, when in fact, the Plaintiffs original purchase price is only $440,000.00. The fraud to the Plaintiffs mortgage began immediately after she was already the victim of a Countrywide mortgage scam, and then immediately became victim to the XXXX XXXX XXXX, New York Bank of Mellon, and their servicers: XXXX XXXX XXXX and XXXX XXXX  Their  increases added to the Plaintiffs mortgage balance is transactional fraud, stealing, and deliberate theft. These bad acts began happening during the financial takeovers of the Plaintiffs mortgage from each entity, starting with XXXX XXXX XXXX transaction from Countrywide. Plaintiff was then illegally forced, immediately, into an illegal and secret foreclosure and modification with illegal secret and hidden fees, illegal balloons, that forced the Plaintiff into her escrow being managed by these new banks and servicers, who then began adding their illegal fees, and illegal interest, and increased interest rate into the Plaintiffs mortgage loan, and stealing escrow funds, all together stealing over $XXXX in funds and equity. These are the Loan numbers: XXXX XXXX XXXX XXXX Loan XXXX XXXX XXXX XXXX and Loan XXXX XXXX XXXX XXXX
a. CoA: Every month that Plaintiff makes a mortgage payment, plaintiff is forced to pay for the illegal inflated XXXX, and now the illegal ballooned balance of XXXX mortgage balance, that has risen, even more now in the year XXXX  Plaintiff bought her home in XXXX, and the purchase price was only XXXX (NOT XXXX, AS THESE 2-BANKS AND THEIR SERVICERS LISTS AS PLAINTIFFS ORIGINAL  MORTGAGE BALANCE). Before Countrywide defaulted and went under, Plaintiffs original mortgage balance purchase was only XXXX NEVER XXXX. WHERE DID THIS EXTRA XXXX  ADDED TO PLAINTIFFS MORTGAGE BALANCE COME FROM? The Plaintiff has been overcharged illegally since the Countrywide default and since these other 2-banks and their servicers took over the Plaintiffs mortgage and escrow. This has been and still is illegal, and Plaintiff has been and still is being forced to pay an illegal and inflated mortgage payment and escrow on an illegal balance. Twenty-two (22) years later, due to fraud, Plaintiffs mortgage has illegally increased to over XXXX. This is an abusive and outrageous derelict of duty allowed by the State of New York and its agencies that the Plaintiffs New York State government will not take notice of nor assist in the Plaintiffs many, many pleas for their help against this fraud and theft. The Plaintiffs mortgage should be less than XXXX, in XXXX, which is XXXX  years into my homes mortgage loan. I am XXXX  years old and should be retired, but I cannot retire because I have to pay for this illegal inflated mortgage. The Plaintiff has been placed into an extremely dire situation, by fraud, with no help, or remedy, or assistance for relief from her New York State government. I have a 30-year fixed mortgage in year 22 of my 30-year mortgage. The mortgage balance has risen taking the Plaintiffs home extremely higher in the mortgage balance instead of decreasing for a 30-year payoff.
b. CoA: Countrywide was Plaintiffs mortgage bank that went under due to fraud. Her original mortgage was with Countrywide for XXXX that went under, due to fraud, became compromised and no one from the State of New York, nor the NYS Banking Department, nor the NYS Consumer Fraud Protection Bureau, nor the NYS courts, nor the Office of the Attorney General, would help the Plaintiff with this matter to determine the next steps or what to do with her abandoned Countrywide loan, even though she asked all of the agencies and the defendant(s) for help repeatedly. Plaintiff had no missed payments, and she was still paying her loan via the Countrywide website on time and still paying her own escrow on time. The Plaintiff was not aware or informed of Countrywides default by any government agency nor The State of New York as a homeowner, the victim of a Mortgage scam.
c. CoA: The Plaintiff was not informed about this Countrywide fraud and their bank scam becoming invalid and in default or defunct by any State of New York agency. The Plaintiff  and her loan was left abandoned. The State of New York was and is derelict in duty to the Plaintiff.
d. CoAXXXX XXXX XXXX XXXX XXXX took over Plaintiffs mortgage loan, but did not contact the Plaintiff immediately to inform her that they were her newly replacement mortgage holders, a very delayed harmful action. The State of New York still has done nothing about this delay by XXXX, who then began to deal fraudulently with the Plaintiff. The plaintiff asked and requested repeatedly for the State of New York and its agencies to look into this transaction transfer and nothing was done. The defendant(s) was and is still derelict in their duty.
e. CoA XXXX  illegally damaged Plaintiffs credit and FICO score immediately taking over her mortgage loan. The Plaintiff only found out that XXXX  took over her loan, because when XXXX  took over, XXXX  immediately damaged Plaintiffs credit and FICO score, even though the Plaintiff  had never missed any payments, and was still paying her own escrow timely. The Plaintiff learned that BOA was her new mortgage bank  because the 3-credit bureaus informed the Plaintiff that her credit was listing derogatory information by the mortgage bank: XXXX. This is how the Plaintiff found out XXXX  was her new mortgage loan company, and this negative information was listed by XXXX, in the excessive amount of over XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  had not contacted the Plaintiff at all prior to their bad derogatory information listed on her credit file or to inform the Plaintiff they were her new mortgage bank. The purchase price of Plaintiffs mortgage in XXXX XXXX was only XXXX All 3-credit bureaus investigated her complaint and dispute of the credit damage and excessive amount, but XXXX  upheld the XXXX  balance stating the mortgage balance was correct. I made numerous complaints to my state agencies and government, but no one from any New York State Agency or government office would contact me back or communicate with the Plaintiff at all. A derelict of their duty to the Plaintiff. Especially, after the Countrywide mortgage scam.
f. CoA: XXXX XXXX XXXX XXXX  then immediately added an illegal balloon onto the Plaintiffs mortgage loan along with secret, and hefty illegal fees, illegal interest, and a high interest rate, done, after destroying the Plaintiffs creditworthiness. A fraudulent and illegal act that my State of New York has still not helped to protect the Plaintiff from of help remedy with a relief.
g. CoA: XXXX  will not give Plaintiff the information that states why they applied these secret and illegal actions: ballon, fees, excessively added interest, high interest rate, and illegal damaging derogatory information to the credit reports, against the Plaintiff and her loan, and to date, XXXX,  is still avoiding and refusing to give this exact financial accounting for the breakdown of these illegal add-ons and the balloon. Just that there is a ballon, and I have to pay it, was their customer services response to the Plaintiff. The State of New York and its agencies allowed these banks and their servicers to send out erroneous information and documents and did nothing to stop the fraud and theft. The act of omission and dereliction of duty to the Plaintiff by her State of New York and its agencies.
h. CoA: The Plaintiff asked the State of New York and its agencies for help; they did nothing to assist or help her with this illegal situation or in an investigation: (The NYS Banking Department, The NYS Consumer Fraud Protections Bureau, The NYS Office of the Attorney General, the NYS courts, [and the Federal Court who I will also list a CoA for in this Claim.]. These New York state agencies gave no help or remedy or relief to the Plaintiff. The act of omission and a dereliction of duty.
i. CoA: XXXX  then tried to secretly foreclose on the Plaintiffs loan. When the Plaintiff proved that she had never missed payments, XXXX  then forced the Plaintiff into an illegal modification that also added more illegal hidden fees and illegal interest and an even higher interest rate. The NYS courts would not stop this illegal action against the Plaintiff and would not allow me to appear in court to state my case with evidence. The State of New York did nothing to investigate or help the Plaintiff in this fraud and scam. The Stat of New Yorks bad acts of omission and dereliction of duty. The Judicial system would not help, even with evidence of proof from the Plaintiff. 
j. CoA: The Plaintiffs State of New York agencies and NYS courts would not help me or stop this harm and abuse of fraud. Plaintiff will show that she hired a law firm of attorneys for help: The Radow Law Group, that stole Plaintiffs retainer funds and lied about a litigation they never started and that never happened, and that they had never filed court papers, and never appeared in any courtroom on behalf of the Plaintiff. But this Radow Law Group billed Plaintiffs retainer for these fees. Nothing was ever done, just additional fraud to the Plaintiff by these attorneys. The Plaintiff know these Radow attorneys never did anything because the court and judge told the Plaintiff that the court had never heard of these attorneys, and they were never in any New York State court about my mortgage case, or for the Plaintiff, for any reason, and that Plaintiffs case was never filed and there was no motions or appearances by these attorneys: Radow Law Group. [I will list and show the cause of action against the State of New York in reference to this Radow Law Group in this claim  See exhibits.] When I tried to get help with these fraudulent attorneys, while still trying to get help with the fraudulent mortgage, the State of New York and its agencies did nothing to help. The act of omission and a dereliction of duty.
k. CoA: XXXX XXXX XXXX immediately damaged Plaintiffs credit report so she could not refinance elsewhere after finding out about the Countrywide fraudulent scam and the (Plaintiff has the XXXX  apologizing letter for damaging her credit that was issued much too late), because the Plaintiff presented refinance documents from another bank (Peopless Bank), the bank that was going to help Plaintiff refinance away from the XXXX  fraud, and because Plaintiff was able to present to Peoples Bank her on time mortgage and escrow payments, and credit history before the Countrywide scam and XXXX  takeover of her mortgage, Peoples Bank was willing to refinance the Plaintiff, but the damages done by XXXXXXXX  and XXXX  deliberate slowness to correct the Plaintiffs credit reporting, caused delays for the refinance, and made the Plaintiff lose her good interest rate from Peoples bank, and lose out on the refinance because Peoples Bank could not wait for such a delay waiting for XXXX  correction, and XXXX  duty to respond promptly. The State of New York did nothing to help with this matter. The act of omission and a dereliction of duty.
l. CoA: XXXX  fraud: hidden fees, illegal ballon, excessive fees, excessive interest and increase interest rates, and damages to Plaintiffs credit, prohibited the Plaintiff from being able to refinance away to stop the fraud and drove Plaintiffs other credit obligations into a dire situation, including Plaintiffs employment. The NYS Office of the Attorney General, nor the NYS agencies, nor the NYS courts, [and the Federal Court who Plaintiff will also list as a CoA for in this Claim,] is the defendant(s) act of omission and a dereliction of duty
m. CoA: XXXX  then immediately sold Plaintiffs mortgage to New York BANK OF MELLON  (NY-BOM), before correcting Plaintiffs credit, who then also added their NY-BOM fraudulent and hidden fees, illegal balloon, illegal interest, and illegal fees, interest, and high interest rate to Plaintiffs mortgage that was already subjected to fraud and theft. Plaintiff  continually asked the State of New York and its agencies for help; they did nothing to assist or help the Plaintiff with this illegal situation or launch a viable investigation: not (The NYS Banking Department, The NYS Consumer Fraud Protections Bureau, The NYS Office of the Attorney General, nor the NYS courts, [and the Federal Court who Plaintiff will also list as a CoA for in this Claim.] The defendant(s) act of omission and a dereliction of duty.
n. CoA: Both XXXX XXXX XXXX and New York Bank of Mellon used the mortgage servicer: XXXX XXXX XXXX XXXX who then put their XXXX  servicers fraudulent hidden fees, illegally forced Plaintiff into another escrow that they took over. The NY-BOM and XXXX  then began to charge illegal escrow fees to the plaintiff by force with unlawful, illegal interest into the Plaintiffs mortgage loan and then began to steal the funds from the Plaintiffs escrow account, that she was forced into with a new and illegal modification from NY-BOM, along with XXXX  additional hidden fees. The State of New York and its agencies still has not helped the Plaintiff and is still allowing the Plaintiff to be harmed, abused, and subjected to severe fraud and theft. The Plaintiff was suffering trying to hold onto her family home. The act of omission and dereliction of duty by the State of New York to the Plaintiff.
o. CoA: These three (3) banks: Countrywides fraud, XXXX XXXX XXXX  Fraud, New York Bank of Mellons fraud, and the servicers: XXXX XXXX XXXX  and now XXXX, has to date: XXXX XXXX  stolen over $500,000.00 (Five hundred thousand US dollars), in funds and equity from the Plaintiff, the Plaintiffs home, and equity by their fraudulent activities and excessive thefts. The Plaintiffs New York State government, the State of New York agencies, courts, and NYS Office of the Attorney General still has done nothing to protect the plaintiff from this fraud, harm, abuse, and theft with no remedy or relief. An act of omission and a dereliction of duty.
p. CoA: XXXX theft of Plaintiffs escrow funds is still continuing, and XXXX  continue to demand more and more funds. XXXX  demanded so much excess funds for my escrow, they started taking my mortgage payment, illegally, to pay my escrow instead of my mortgage loan. By doing this they tried to place the Plaintiff into a foreclosure, again, and then they placed the Plaintiff into another new modification again, with hidden fees, and adding more illegal fees. The State of New York did nothing to stop this and allowed this abuse, harm, fraud, and theft. An act of omission and a dereliction of duty to the Plaintiff. The Plaintiff has continually asked for help.
q. CoA: SLS then rejected Plaintiffs mortgage loan payments when she complained and asked for a forensic financial accounting, and for a request to escrow-out as they had promised to do, once the Plaintiff proved they were stealing her escrow funds, but the Plaintiffs State of New York has still done nothing to address this fraud, abuse, theft, and harm to the Plaintiff. An act of omission and a dereliction of duty to the Plaintiff by the State of New York.
r. CoA: SLS stated they took the mortgage payments to pay Plaintiffs escrow, (an escrow that Plaintiff had always paid: her taxes and HO insurance, herself, with not problems and never late). These SLS servicers late payments continued that eventually initiated the tax assessor to contact me because the SLS was not paying the taxes out or on time. SLS told bogus lies about the escrow funds they were stealing from the Plaintiff escrow account. SLS said that the Plaintiffs taxes went up and the insurance premiums increased. These were lies that Plaintiff proved in writing to the State of New York agencies, NYS banking Department, the CFPB, and the OAG. But these agencies and government offices did absolutely nothing to stop these lies and fraud. An act of omission and a dereliction of duty to the Plaintiff.
s. CoA: The Plaintiff proved SLSs fraud and lies for the escrow thefts, but still the State of New York did nothing to help the Plaintiff or her mortgage. Plaintiff proved that she had grieved her own taxes, (something these servicers would never do), and by the Plaintiff being a senior citizen her age brought her taxes down (documents available in exhibits). Plaintiff proved that SLS lied about the homeowners (HO) insurance premiums. SLS stated they were told by the insurance agent that the Plaintiffs premiums increased and SLS presented false insurance documents, not knowing that the Plaintiff was the insurance agent on her policy and is still the writing insurance agent for her own homeowners insurance policy, since 2003. But, the State of New York, its agencies, NYS courts, or NYS government did nothing about these lies and thefts. So, Plaintiffs mortgage payments and escrow was continually (and is still continually be stolen). These escrows payment are the means that helps SLS and its banks steal funds and equity from the Plaintiff and her mortgage. (Documents of evidence available) An act of omission and a dereliction of duty by the State of New York to protect the Plaintiff.
t. CoA I, XXXX XXXX  Plaintiff, was just billed by XXXX, now SXXXX XXXX an illegal charge to the escrow for school taxes. Shellpoint demanded more escrow dollars from me to make this payment. I had just had a demand for more escrow dollars in  XXXX from XXXX, before XXXX  took over servicing for XXXX to pay taxes that are fraudulent demands. When XXXX  demanded more excessive funds from me again, four months later in XXXX  I called the tax assessors office who told me that my taxes were now in XXXX XXXX XXXX XXXX because I am XXXX  years old and my taxes has been reduced from over XXXX and this is the balance that was billed to my mortgage.  The tax assessor also sent me the document they sent to XXXX  that clearly indicated this information and that the bill would only be XXXX  and not the payment of XXXX because it has been reduced, and the new payment is only $2,352.07 (documents available in the exhibits). SLS/Shellpoint was charging the Plaintiffs escrow illegally and stealing the funds from the escrow account). (Document from assessor tax letter). Where are these funds stolen from the escrow? NOW IN XXXX XXXX XXXX XXXX FOR THE XXXX  IS ASKING FOR MORE FUNDS FOR THE ESCROW ACCOUNT. Again, where are the funds from the XXXX that has been stolen? The State of New York and its agencies still has done nothing to remedy these thefts of abuse and has not helped in any relief from this harm to the Plaintiff. An act of omission and a dereliction of duty.
u. CoA: The Plaintiff has been asking: XXXX, The State of New York, The Consumer Fraud Protection Bureau, The NYS OAG for help, to find out where these stolen funds from the Plaintiffs escrow are that has been disappearing, because these dollars are no longer in her escrow account up to the date XXXX XXXXXXXX  is still demanding more escrow funds from the plaintiff: XXXX XXXX. WHERE ARE THESE STOLEN FUNDS? The State of New York and its agencies still has done nothing to remedy these thefts of abuse and has not helped in any relief from this harm to the Plaintiff. An act of omission and a dereliction of duty.
w. CoA: To date: XXXX XXXX each and every time that Plaintiff makes a mortgage payment, since Countrywide defaulted on their fraudulent scam mortgage loan, the Plaintiff  has been subject to even more severe, scam, fraud, financial abuse, and emotional abuse, that has placed her in financial and emotional harm and her State of New York, its agencies, Courts, NYS OAG has done nothing to protect or assist her in getting back the equity and funds stolen and to finally stop this continued theft of the Plaintiff and her mortgage. The State of New York and its agencies still has done nothing to remedy these thefts of abuse and has not helped in any relief from this harm to the Plaintiff. An act of omission and a dereliction of duty.
XXXX. CoA: The Plaintiff had just recently tried to hire a forensic audit company. I requested the service of this forensic accountant (listed below), to audit my mortgage. He was ready and avidly pursuing my audit request. At a $10,000.00 fee. He was: 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, MD XXXX  Try the Loan Calculator
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But, when I told him I would be ready to start a case to go into court with him and his findings, once he completed the audit, he said he only does the forensic, he does nothing in court and would give me his findings on paper. I told him I will hire an attorney to help me in court and for him to communicate the audit findings with the attorney that I hire to take into court. Immediately this XXXX XXXX then sent me an email saying he could no longer help me. I have not been able to contact him since.

All the Plaintiff did was offer to hire an attorney to assist the forensic mortgage audit and take the information he concluded in his audit into court. Plaintiff believes she, once again, was about to become a victim of dishonesty, theft, and fraud. The State of New York has repeatedly allowed the Plaintiff to be subjected to fraudulent abuse. An act of omission and a dereliction of duty.

y. CoA: The Plaintiff just recently file a lawsuit, as pro se, because all efforts to hire a professional representative became subjected to fraud. The court case that was recently filed is the followingXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX interceded and help me with this dishonest judge. But XXXX  does not litigate. There are also multiple cases that I had filed in the Supreme Court in White Plains, but they cannot seem to find the state docket numbers, even though I paid the filing fees, motion fees, and XXXX  fees. The XXXX XXXX XXXX  never filed my action, I had too. This XXXX fraud almost sent me into a foreclosure and forced another modification with hidden fees and excessive interest. I still have not received any help about this fraud from my State of New York, or its agencies. An act of omission and a dereliction of duty.
z. CoA: The defendant(s) dereliction of duty to the Plaintiff constitutes extreme and outrageous conduct. But for the dereliction of duty and bad acts and omissions by Plaintiffs State of New York and its agencies to the Plaintiff, who has been severely harmed and abused by these mortgage banks, their servicers: XXXX and the XXXX XXXX XXXX et al, the Plaintiff would have been remedied. Today, XXXX  the XXXX XXXX just raised my mortgage payment by over XXXX per month, because they are trying to force their PSI insurance company into my home insurance at XXXX, annually, with their fees per installment and my XXXX  insurance is only XXXX. Additionally, XXXX  states that my taxes have increased when I proved that my taxes, due to my XXXX XXXX XXXX  as a senior, has decreased. WHERE ARE THE XXXX  FUNDS THAT XXXX  DEBITED FROM MY ACCOUNT A FEW MONTHS AGO: ILLEGALLY? XXXX  MADE THE PROMISE TO ALLOW THE PLAINTIFF TO ESCROW OUT AND PAY HER OWN ESCROW AFTER PLAINTIFF MADE 12-MONTH OF ON TIME PAYMENTS. THE PLAINTIFF HAS MADE YEARS OF ON TIME PAYMENTS SINCE THE LAST ILLEGAL FORCED MODIFICATION, AND THE PLAINTIFF IS STILL BEING FORCED TO PAY THE ILLEGAL ESCROW THAT THE BANK & SERVICERS ARE MANIPULATING TO THEIR BENEFIT WITH ILLEGAL DEMANDS FOR MORE AND MORE FUNDS AND FEES. THE ESCROW MUST BE REMOVED FROM THE BANK AND SERVICER AND BACK TO THE PLAINTIFF.
Plaintiff states here in this legal complaint these causes of action and request for remedy, relief, and immediate help from the State of New York, the defendant(s).
Additionally, but for the purposes of the intentional infliction of financial fraud, emotional distress and abuse, the extreme and outrageous illegal dealings and conduct of the mortgage banks, servicers, and law firms, it is these entities actions that is so severely inappropriate, and illegal, and harmful to the Plaintiff, that it is outside of the bounds of what is tolerated by anyone in society, and the Plaintiff request a remedy and relief from the defendant(s), from the State of New Yorks due to the dereliction of duty and bad acts of omission to the Plaintiff. These entities thefts and frauds are so unacceptable that it is not okay by the Plaintiff, according to society's standards, to be abused and harmed and subject to such financial fraud and scams and that it is the defendant(s) dereliction of duty that should not have allowed the Plaintiff to be so unjustly harmed. The Plaintiff has had no protection from the State of New York, its agencies, and governments. The Defendant(s) bad acts of omission and dereliction of duty to the Plaintiff.
But for the State of New York and its agencies, who still has done nothing to remedy these thefts of abuse, scams, and harm to Plaintiffs financial situation by these frauds, her stolen equity in the amounts of over $500,000.00, and being forced to pay an illegal and excessive mortgage payment, still monthly and illegal escrow funds, still to date: XXXX XXXX  on the fraudulent balance of oveXXXX XXXX  the State of New York is in a very bad act and omission and dereliction of duty to the Plaintiff for no help at all and has failed to help the Plaintiff receive any remedy and relief from the bank, servicers, New York State agencies, courts, or the NYS OAG, from these fraudulent entities. This leaves the Plaintiff heavily burdened and unable to find justice, even in her own out-of-pocket by hiring professionals with retainer fees, due to the lack of help from the State of New Yorks failure to protect and enforce laws to ensure legal dealing for the Plaintiff, and her right to justice.
The Plaintiff, therefore, is seeking a remedy and relief from the State of New York in the amount of XXXX  (Eight million, and five hundred thousand US dollars). This calculation is for the harm the State of New York allowed mortgage banks, entities, and others to operate illegally against the Plaintiff with illegal dealings and who committed repeated fraud against the Plaintiff, with the intent to commit fraud causing harm to the Plaintiff, that has been allowed due to the State of New Yorks dereliction of duty and bad acts of omission, that is still forcing the plaintiff to continue to payout to these corrupt organizations; who has been committing fraud against the Plaintiff and her home, for over 1XXXX years and is still continuing to do so in XXXX.
The Plaintiff respectfully request the remedy and relief or whatever relief the courts deems fair and faithful for the stolen funds and equity, and for the harm and abuse due to the bad acts of omission and dereliction of duty by the State of York to protect the Plaintiff. 
That the Defendant(s) and its agencies in their bad acts of omission and dereliction of duty to the Plaintiff, allowed bad entities and their agents, and other individuals listed in this complaint to intentionally, maliciously, and without just cause, knowingly commit fraud and abuse to the Plaintiff and her mortgage that caused her irreparable harm.
That as a result of the Defendant(s) lack of actions to protect XXXX XXXX Plaintiff is forced to bring this lawsuit, pro se, with hopes of finally receiving justice, restitution, and an amicable remedy and relief.
The Plaintiff, XXXX XXXX XXXX pray for such remedy and relief as in law or equity that she may also be entitled.
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Company response to consumer: Closed with explanation