Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Complaint Filed w/ CFPB & AG As a homeowner facing potential property loss due to alleged fraud by XXXX XXXX XXXX XXXX XXXX XXXX XXXX yrs ago, I urgently req. intervention from the Consumer Financial Protection Bureau ( CFPB ) & CA Attorney General 's Office ( AG ) to hold XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, accountable for an illegal foreclosure on my property. He violated the Brady Rule, Reg. Z, CA Homeowners ' Bill of Rights, & engaged in bad-faith neg. tactics.

I filed an Identity Theft Report in 2021 upon discovering the fraud, dismissed due to inactivity. I refiled on XXXX w/ FTC Report # XXXX. I submitted 4 complaints to CFPB ; XXXX denied the fraud despite notarized docs sent to XXXX Resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & Regulatory Complaint XXXX XXXX XXXX ( XXXX ) XXXX. I filed a complaint to the Office of the Comptroller of the Currency on XXXX with case # XXXX. The Debt collector Real Time Resolutions , Inc. ( RTR ) has faced 200+ lawsuits nationwide, incl. 67 in CA, w/ a poor rep. for bus. practices. In XXXX, XXXX settled w/ the U.S. Dept. of Justice for $ XXXX over illegal practices affecting XXXX XXXX homeowners. In XXXX, I sent XXXX notarized docs to XXXX XXXX XXXX at CA AG, incl. orig. & fraudulent docs & evidence ( e.g., passport w/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXd XXXX XXXX Firm, XXXX ( XXXX, CA ) to auction/foreclose on XXXX & XXXX. Atty. For XXXX mos. XXXX XXXX XXXX, XXXX # XXXX, failed to secure a Temp. Restraining Order ( TRO ) or Prelim. Injunction despite full cash payment of {$5000.00} and additional payments close to {$20000.00}. The TRO hearing was scheduled in XXXX of XXXX in XXXX XXXX XXXX XXXX XXXX, but I was talking out of it for a better alternative solution, citing debt collector neg. interest. XXXX XXXX assured no basis for $ XXXX debt claim, citing lack of equity, XXXX residency, & absent credit/income/appraisal/notary reqs. On XXXX, foreclosure was rescheduled ; I filed XXXX. XXXX Bankruptcy w/in hrs. to halt it. After 6 mos., the case was dismissed due to my atty. 's failure to file an adversary complaint timely.

My home remains at risk as my atty. suffered a severe biking accident req. long-term recovery, & his law office is closing w/o a successor. I contacted FBI HQ in XXXX, CA, speaking to 5 agents 5x ; they noted similar fraud cases but cited a 5-yr statute of limitations & advised hiring a lawyer, which I did, yet I remain in limbo. I filed a complaint with XXXX. XXXX XXXX. XXXX 's Office on XXXX, and XXXX XXXX XXXX ( XXXX ) XXXX and XXXX XXXX XXXX ( XXXX ) XXXX were neglecting my case and wanted to arrest me for accusing a crooked notary public XXXX XXXX XXXX who forged the loan docs. There are other fake loan docs that stated I an unmarried man. The balance on the first loan was off. The house was built on the wrong lot #. My wife signed a doc that stated she relinquished her home to her husband. She never did sign anything like that. We have been married for 35 years and are still together. I am in dire need of CFPB and AG to stop this nonsense claim of loan fraud. This is a country of law and justice shall prevail. I also spoke to sergeant XXXX XXXX ( XXXX ) XXXX at the XXXX Police Station. He denied a crime report citing it is a civil matter. I fell like justice is being denied against me and my wife as the victim of this massive fraud.

Best regards, XXXX XXXXnd XXXX

Company response to consumer: Closed with explanation