Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Regarding Forgery and Fraudulent Foreclosure Documents by Real Time Resolutions , Inc. and XXXX XXXX XXXX XXXX XXXX XXXX 
Dear CFPB, I, XXXX XXXX, a homeowner residing at XXXX XXXX XXXX, XXXX, California, am filing this formal complaint to report fraudulent and forged foreclosure documents manufactured and recorded by Real Time Resolutions , Inc. ( RTR ) and XXXX XXXX XXXX XXXX XXXX ( XXXX ) in connection with a non-existent zombie second mortgage on my property. 
Summary of Allegations : I allege that Real Time Resolutions , Inc. and XXXX XXXX XXXX XXXX XXXX engaged in unlawful practices by using forged signatures and fraudulent notarizations to record Assignments of Deed of Trust ( ADOT ) and Substitutions of Trustee ( SUB T ) in order to foreclose on a debt time barred Zombie Mortgage in Violations of my private consumer rights including TILA, RESPS, FDCPA and CA-ROSENTHAL. 
Expert Forensic Findings : Due to concerns about the authenticity of these documents, I retained XXXX XXXX, a certified Forensic Handwriting and Signature Forgery Examiner, whose expert findings are summarized below : 1. Assignment of Deed of Trust Forgery Notarized by XXXX XXXX ( Florida Notary ) - Date Signed : XX/XX/XXXX - Alleged Signer : XXXX XXXX, Vice President for XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Notary : XXXX XXXX, Florida Notary - Forensic Findings : XXXX XXXX concluded the signature of XXXX XXXX was forged, and not signed by the person named. This instrument is currently under investigation by the Florida Secretary of State and Governors Office. 
- Action Taken : Notary complaint has been filed and is under investigation in Florida. 
- Attached Evidence : - Copy of ADOT - Notary Complaint filed in Florida - Forensic Report by XXXX XXXX XXXX. Substitution of Trustee Forgery Notarized by XXXX XXXX ( Texas Notary ) - Date Signed : XX/XX/XXXX - Alleged Signer : XXXX XXXX, Director of Loss Mitigation, Real Time Resolutions- Notary : XXXX XXXX, Texas Notary - Recorded : XX/XX/XXXX, in XXXX XXXX XXXX, California - Forensic Findings : XXXX determined that the name XXXX XXXX on the notarial certificate was not written by the actual notary, and there were multiple authors used to simulate her signature across documents filed in XXXX XXXX, XXXX XXXX, XXXX XXXX ( CA ), and XXXX XXXX ( WA ). 
- Attached Evidence : - Substitution of Trustee copy - Forensic Signature Report - List of similar forged filings in multiple counties Legal Violations Cited : The conduct described appears to violate numerous federal and state consumer protection laws, including : - Fair Debt Collection Practices Act ( FDCPA ) - Truth in Lending Act ( TILA ) - Real Estate Settlement Procedures Act ( RESPA ) - California Rosenthal Fair Debt Collection Practices Act - California Penal Code 470 ( b ) Forgery of Notary or Public Record - California Government Code 8225 Notary Fraud Request for CFPB Action : I respectfully request that the Consumer Financial Protection Bureau : 1. Initiate a formal investigation into Real Time Resolutions , Inc. and XXXX XXXX XXXX XXXX XXXX for recording fraudulent foreclosure-related documents. 
2. Investigate the roles of Florida notary XXXX XXXX and Texas notary XXXX XXXX, whose signatures appear to have been forged on multiple documents. 
3. Refer this case to the Department of Justice and/or state Attorneys General as needed for prosecution of mortgage fraud, notarial forgery, and consumer abuse. 
4. Enforce appropriate penalties and injunctive relief to protect homeowners from fraudulent foreclosure activity. 
Attachments : - Exhibit A Copy of Assignment of Deed of Trust ( XXXX XXXX / XXXX XXXX ) - Exhibit B- Copy of Substitution Trustee ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exhibit C Notary Complaint -Florida Secretary of XXXX - Exhibit XXXX Notary Complaint -Texas Secretary of State - Exhibit E Forensic Report by XXXX XXXX, Assignment of Deed of Trust XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExhibit F-Forensic Report XXXX XXXX XXXX XXXX XXXX Forged Notary ) Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation