Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
Quality Loan Service Corporation - has no record of bankruptcy stay and or proceedings from XXXX or XXXX QLS received information after complaint filed XXXX -which raised more questions QLS - email provided in XXXX makes no mention of bankruptcy stay, notices or correspondence to or from any bankruptcy proceedings ( attorney etc ) QLS has not provided any documents correspondence with XXXX or XXXX - stating to proceed with foreclosure XXXX was out of business in XXXX according to SEC noticed I received - the request would have had to come form XXXX After QLS response raised more questions and research The Notary XXXX XXXX has confirmed only the Recession document to be valid-no notary negligence The Trustee Deed Upon Sale as not being valid-notary obligation not meet-notary negligence QLS - stated below in email someone instructed them to foreclose while I was in bankruptcy stay- Who? and what date? and where is the letter? 
I am also forwarding information to bankruptcy fraud and all appropriate agencies Here is what Quality Loan Servicing emailed on XXXX XXXX, XXXX prior to massive research and discovery. 
It disappointing when a homeowner in trust agencies and people when signing the agreement. The trustee is to be neutral for all parties involved. QLS has stated very personal comments instead of assisting to correct its errors, and mistakes. 

XXXX XXXX, Quality was the trustee and therefore does not now and has never been in possession of your original Deed of Trust or Promissory Note. We do have a copy of the Deed of Trust, which I have attached for your review. As you can see, the original beneficiary of your Deed of Trust was XXXX XXXX Bank, XXXX. I have also attached a copy of the Assignment of Deed of Trust, by which XXXX XXXX assigned your Deed of Trust to XXXX Bank XXXX as trustee for XXXX Mortgage Pass-Through Certificates Series XXXX Trust. The assignment was done on XXXX XXXX, XXXX. 

Also on XXXX XXXX, XXXX, XXXX Bank XXXX as trustee for XXXX Mortgage Pass-Through Certificates Series XXXX Trust substituted Quality as trustee, as indicated by the attached Substitution of Trustee. 

Quality processed the foreclosure and held a sale on XXXX XXXX, XXXX and the property reverted to the beneficiary, XXXX Bank XXXX as trustee for XXXX Mortgage Pass-Through Certificates Series XXXX Trust. However, Quality was thereafter instructed by the beneficiary to rescind that sale, so it recorded a Notice of Rescission of Trustee 's Deed Upon Sale on XXXX XXXX, XXXX. Both of these documents are attached for your review. 

Quality thereafter was instructed to re-notice the sale and proceed with the foreclosure, which it did on XXXX XXXX, XXXX. By that time, XXXX XXXX XXXX, NA had merged with XXXX, which is why the Trustee 's Deed states that the property was conveyed to XXXX XXXX XXXX, XXXX XXXX as successor by merger to XXXX as trustee for XXXX XXXX. 

I have reviewed your foreclosure file and do not see any defects in the foreclosure process. Although Quality does not maintain a copy of the Note in its file, I acquired a copy of your Note from the lender, which I have attached for your review. 

My XXXX Number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation