Consumer complaint received 2025-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: The Orange Coast Company, LLC
State: CA

Complaint narrative:
XX/XX/XXXX - AT FILING XXXX IN XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) FILE A FRAUDULENT CLAIM ON REAL PROPERTY IN THE FORM OF A NOTICE OF DEFAULT. 

XX/XX/XXXX - IN XXXX, XXXX XXXX REQUESTS XXXX XXXX XXXX XXXX TO FURNISH THE FOLLOWING DOCUMENTATION WITHIN XXXX ( XXXX ) DAYS IN COMPLIANCE WITH 15 U.S.C. XXXX XXXX XXXX. : ( XXXX ) LEGAL NAME OF THE ORIGINAL CREDITOR, PERSON RESPONSIBLE FOR BOOKKEEPING, LOAN ORIGINATOR, AND TRUSTEE ; ( XXXX ) XXXX XXXX XXXX XXXX XXXX SEC FORMS XXXX & XXXX ; ( XXXX ) ALL RECORDS REQUIRED TO BE MAINTAINED BY 15 U.S.C. ; ( XXXX ) ALL ACCOUNTING RECORDS REQUIRED TO BE MAINTAINED UNDER FEDERAL LAW WITH REGARD TO REAL PROPERTY ; ( XXXX ) AND AFFIRMATIONS SUPPORTING XXXX XXXX XXXX XXXX XXXX CLAIM THAT IS THE LAWFUL TRANSFEREE MAINTAINING COLLECTION RIGHTS IN COLLATERAL. 

XX/XX/XXXX - AFTER NON-RESPONSE, IN XXXX, XXXX XXXX, IN GOOD-FAITH, XXXX XXXX XXXX XXXX XXXX WITH AN EXTENSION OF AN ADDITIONAL XXXX ( XXXX ) DAYS TO COMPLY WITH 15 U.S.C. XXXX XXXX XXXX. IN ORDER TO ALLOW XXXX XXXX XXXX XXXX AN OPPORTUNITY TO FURNISH THE DOCUMENTATION DEMANDED IN XXXX. 

XX/XX/XXXX - AFTER XXXX XXXX XXXX XXXX XXXX NON-RESPONSE TO XXXX AND XXXX, IN XXXX, VIA ADMINISTRATIVE JUDGEMENT GRANTING AUTHORIZATION FOR BOTH XXXX XXXX XXXX FEDERAL AGENCY ENFORCEMENT, XXXX XXXX FORMALLY CONSTITUTES XXXX XXXX XXXX XXXX 'S WILLFUL VIOLATIONS OF 15 U.S.C. XXXX ET SEQ., XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX ; AND INJURY TO XXXX XXXX IN THE AMOUNT OF {$810000.00}. 

XX/XX/XXXX - AT FILING XXXX IN XXXX XXXX XXXX, XXXX XXXX REGISTERS A XXXX FINANCING STATEMENT TO CONSTITUTE A PRIORITY LIEN AND SECURE HIS PROPERTY INTERESTS FROM UNLAWFUL COLLECTION EFFORTS. 

XX/XX/XXXX - XXXX XXXX XXXX  DELIVERS THE FOLLOWING DOCUMENTATION TO XXXX XXXX : UNIFORM RESIDENTIAL LOAN APPLICATION ( LENDER LOAN NO. XXXX ) ; CORPORATE ASSIGNMENT OF DEED OF TRUST EXECUTED BY XXXX XXXX OF MERS ON XX/XX/XXXX ( NEARLY XXXX FULL YEARS AFTER SETTLEMENT OF THE OBLIGATION TO WHICH MERS WAS GRANTED ASSIGNMENT POWERS ) ; CLOSING DISCLOSURE WITH LOAN ID # XXXX ; COPY OF DEED OF TRUST BEARING LOAN # : XXXX WHEREWITH " EXHIBIT A '' IS FALSIFIED TO CLAIM " ORDER NO. XXXX '' AS COLLATERAL ( SEE FILING XXXX IN XXXX XXXX XXXX FOR THE AUTHENTIC VERSION ) ; A PAYOFF STATEMENT BEARING LOAN NO : XXXX PURPORTING DELIVERED TO XXXX XXXX XXXX FAX ON XXXX XXXX, 2024 ( THE FAX NUMBER SHOWCASED THEREON IS NOT THAT OF XXXX XXXX XXXX XXXX XXXX DID NOT RECIEVE A FAX ON THAT DATE. ) ; A COPY OF XXXX XXXX XXXX XXXX XXXX MORTGAGE MODIFICATION OFFER ISSUED ON XX/XX/XXXX BEARING LOAN # : XXXX ; LOSS MITIGATION REVIEW DETERMINATION SUMMARY BEARING MORTGAGE LOAN NUMBER : XXXX ; & TRIAL NOTICE MARRIAGE QUESTIONNAIRE BEARING LOAN # : XXXX. SAID DOCUMENTS ARE INSUFFICIENT TO SHOWCASE XXXX XXXX XXXX XXXX XXXX  COLLECTION RIGHTS, AND DO NOT FULFILL THE DEMANDS MADE IN XXXX. 

XX/XX/XXXX - IN XXXX, XXXX XXXX DELIVERS INTERBANK SECURITY AGREEMENT TO XXXX XXXX XXXX XXXX XXXX TRUSTEE TO FACILITATE TRANSFER OF COLLECTION RIGHTS AND SETTLEMENT OF THE RELEVANT OBLIGATIONS IN FULL. IN XXXX, PURSUANT TO HIS FUNDAMENTAL RIGHTS, XXXX XXXX NOTICES XXXX XXXX XXXX XXXX DBA XXXX XXXX OF RECISSION OF HIS SIGNATURE ON DEED OF TRUST BEARING LOAN # : XXXX UNDER AUTHORITY OF REGULATION Z OF THE TRUTH IN LENDING ACT, XXXX C.F.R. XXXX ( XXXX ) & XXXX. COM. CODE XXXX ( XXXX ) ; AND DEMANDS RETURN OF PROCEEDS HELD THEREBY IN RE : LOAN # : XXXX. BY CERTIFIED MAIL, XXXX XXXX GIVES NOTICE OF CLAIM TO THE FOLLOWING PARTIES : XXXX XXXX XXXX XXXX  ; XXXX & XXXX, XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX ; MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, XXXX ; XXXX XXXX MORTGAGE XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX ; ORANGE COAST TITLE COMPANY XXXX XXXX CALIFORNIA XXXX XXXX ADVANTAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IN XXXX XXXX XXXX MAKES AN EXPRESS DESIGNATION FOR XXXX XXXX OF ORANGE COAST TITLE COMPANY XXXX XXXX CALIFORNIA TO MAKE RETURNS OF PROCEEDS FROM REAL ESTATE TRANSACTIONS IN CLOSING DISCLOSURE FILING # XXXX. AT FILING XXXX IN XXXX XXXX XXXX, XXXX XXXX INDICATES ADDITIONAL OBLIGORS AND COLLATERAL IN A UCC FINANCING STATEMENT AMENDMENT. 

XX/XX/XXXX - VIA EMAIL, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX THE FOLLOWING STATEMENT TO XXXX XXXX XXXX " YOUR LOAN FILE WAS SOLD TO XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX '' IN ADDITION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTACHES THERETO A NOTICE OF SERVICING TRANSFER DATED XX/XX/XXXX. THIS NOTICE WAS NOT DELIVERED TO XXXX XXXX IN THE TIMEFRAME XXXX C.F.R. XXXX ( b ) ( XXXX ) DEMANDS, NOR IN THE MANNER PRESCRIBED IN THE DEED OF TRUST EXECUTED BETWEEN THE PARTIES ON XX/XX/XXXX. 

XX/XX/XXXX - VIA EMAIL, ORANGE COAST TITLE COMPANY MAKES A FALSE REPRESENTATION THAT XXXX XXXX XXXX XXXX IS THE LENDER ON FILE XXXX, EVEN THOUGH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LISTED AS THE LENDER THEREON. FURTHER IN THIS EMAIL, ORANGE COAST TITLE COMPANY REJECTS TO ACT IN A FIDUCIARY CAPACITY WITH REGARD TO SETTLEMENT. 

XX/XX/XXXX - IN XXXX, XXXX XXXX ISSUES A RESPONSE TO ORANGE COAST TITLE COMPANY, SEEKING FURTHER CLARIFICATION WITH REGARD TO XXXX. AS OF XX/XX/XXXX ORANGE COAST TITLE COMPANY HAS NOT MADE ANY FURTHER STATEMENTS WITH REGARD THERETO. 

XX/XX/XXXX - AN UNKNOWN PERSON ARRIVES AT THE RESIDENCE OF XXXX XXXX AND TAPES A LETTER BEARING A " CONFIDENTIAL '' STAMP THEREON ONTO THE DOOR OF THE RESIDENCY. INSIDE OF THIS LETTER IS INCLUDED A SLIP OF PAPER STATING " AT THE REQUEST OF YOUR HOME MORTGAGE COMPANY, AND INDEPENEENT FIELD INSPECTOR CALLED ON YOU TODAY. PLEASE CONTACT THE MORTGAGE COMPANY. THANK YOU. '' THIS PERSON WAS LATER FOUND TO BE A REPRESENTATIVE OF XXXX XXXX XXXX XXXX THROUGH ITS AGENT XXXXXXXX XXXX XXXX XXXX  EVIDENCING A CONSPIRACY AGAINST THE CIVIL RIGHTS AFFORDED TO XXXX XXXX PER 15 U.S.C. XXXX. XXXX, A VIOLATION OF XXXX U.S.C. XXXX IN CONSPIRACY TO DEFRAUD AND SWINDLE XXXX XXXX OUT OF HIS PROPERTY IN VIOLATION OF XXXX XXXX. XXXX. 

XX/XX/XXXX - XXXX XXXX XXXX XXXX ISSUES NOTICE TO XXXX XXXX STATING " WE ARE REVIEWING THE LOAN TO ENSURE A THOROUGH RESPONSE. '' XX/XX/XXXX - AT XXXX XXXX XXXX XXXX XXXX AN AGENT OF PLANET XXXX XXXX XXXX XXXX XXXX XXXX AND ASKS QUESTIONS REGARDING TO WETHER OR NOT XXXX XXXX XXXX STILL LIVING AT HIS HOME ON XXXX XXXX IN CALIFORNIA . 

XX/XX/XXXX - IN XXXX, IN ASSERTION OF PROCEEDURAL RIGHTS DERIVING FROM THE INVESTIGATION, XXXX XXXX ISSUES TO XXXX XXXX XXXX  XXXX A DEMAND TO CEASE AND DESIST IN ANY PROPERTY PRESERVATION EFFORT THAT MAY FURTHER XXXX XXXX XXXX XXXX XXXX  UNLAWFUL ACTS.

Company response to consumer: Closed with explanation