Consumer complaint received 2024-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: AL

Complaint narrative:
ORIGINAL COMPLAINT XX/XX/XXXX Account No : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, AL XXXX CFPB Complaint ID : TO BE PROVIDED COPY XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX SUBJECT : THIS IS BASED ON A NEWLY DISCOVERED FRAUDULENT ASSIGNMENT OF MORTGAGE 2ND ASSIGNMENT OF MORTGAGE : THIS IS AN ORIGINAL COMPLAINT- NOT DUPLICATE.

THAT FRAUDULENT 2ND ASSIGNMENT OF MORTGAGE HAS NEVER BEEN BROUGHT UP IN ANY PREVIOUS COMPLAINT.

CFPB SHOULD LET THE COMPLAINEE RESPOND TO THIS ORIGINAL COMPLAINT. 

BELOW IS THE REPRODUCED COMPLAINT LETTER AGAINST BNY MELLON RELATED TO THE 2ND FRAUDULENT ASSIGNMENT OF MORTGAGE THAT OUR RESEARCH RECENTLY DISCOVERED.

THIS NEWLY DISCOVERED RESEARCH ITEM ( THE FRAUDULENT 2ND ASSIGNMENT OF MORTGAGE WAS NOT MENTIONED IN ANY PREVIOUS COMPLAINT AND IS AN ORIGINAL - NOT A DUPLICATE ) Sir : This attached 2ND Assignment of Mortgage by BNY Mellon to BNY Mellon as Trustee of Trust RAMP Series 2006-RZ3 recorded on XX/XX/XXXX is NULL AND VOID because BNY Mellon does not have any interest or ownership on said mortgage having falsified and illegally manufactured, in collusion with MERS and misrepresented and concocted the participation of XXXXXXXX XXXX XXXX XXXX ) through a fictitious signature without XXXX knowledge, the original Assignment of Mortgage recorded on XX/XX/XXXX which is the basis of its claim of ownership of the mortgage. 

See attached analysis of that falsified and illegally manufactured assignment of mortgage recorded on XX/XX/XXXX. 

BNY Mellon as a result of its XXXX falsification of this important legal and recorded public document ( the original Assignment of Mortgage which is attached ) never acquired any interest or ownership of the mortgage on property. 
Therefore this 2nd Assignment of Mortgage is NULL AND VOID. BNY Mellon can not assign a mortgage it does not own. 

TRUST ( RAMP SERIES 2006-RZ3 ) IS CLOSED. IT CLOSED ON XX/XX/XXXX If through this machination, BNY Mellon and XXXX Mortgage are attempting to add this mortgage as an asset of the Trust, the Pooling and Servicing Agreement ( PSA ) that governs the Trust clearly indicated that no more assets can be added to the Trust after the closing date of XX/XX/XXXX. The Trust is closed. This PSA is available for viewing and inspection at the SECs website.

UNSECURED LOAN The Trust ( RAMP Series 2006-RZ3 ) is registered with the Securities and Exchange Commission ( SEC ) as a separate legal entity. The Trust owns the Note on this mortgage but not the mortgage ( security interest ) and, thus, what the Trust owns is an UNSECURED LOAN. 

PUNITIVE DAMAGES We ask for punitive damages of {$10.00} XXXX to compensate us for the continuing psychological, emotional and mental pain and suffering as a result BNY Mellons persistent illegal manufacturing and falsification of public documents which it caused to be publicly recorded knowing they are falsified documents in order to pursue their malicious, illegal, fraudulent and illicit purpose of foreclosing on the property which they have already attempted twice. Their malicious and illegal intent is clear and proven for everyone to see. 


FINE AND PENALTY We also ask that the CFPB impose a fine and penalty of {$5.00} XXXX against BNY Mellon for its malicious intent and for its XXXX falsification and illegal manufacturing of documents to cause serious hardship ( illegal foreclosure ) to a consumer. This is to deter others from doing the same illegal act. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation