Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lennar Financial Services, LLC
State: TX

Complaint narrative:
XX/XX/XXXX, MORTGAGE SERVICER EXECUTED AN INTERNAL LOAN MODIFICATION PURPORTED AS CHANGING A XXXX YEAR ARM TO A XXXX YEAR FIXED ACCOUNT AFTER XXXX  YEARS OF ON TIME PAYMENTS, WAIVER OF ESCROW. LOAN MODIFICATION INCREASED PRINCIPLE BALANCE FROM {$190.00}, XXXX TO {$200.00}, XXXX. SERVICER FAXES A COPY OF AN EXECUTED LOAN MODIFICATION THAT IS INCOMPLETE WITH AN UNAUTHORIZED NOTARIAL CERTIFICATION WITH A FAX DATE STAMPED UPSIDE DOWN FOR XX/XX/XXXX, MORE THAN XXXX YEARS PRIOR TO MY NEW HOME PURCHASE. FROM XXXX TO XXXX, SERVICER ADDED EXCESSIVE ESCROW CHARGES FOR REAL ESTATE TAXES THAT WERE PAID BY ME DIRECTLY TO MY COUNTY TAX OFFICE, ADMINISTRATIVE ADJUSTMENTS AND MISSAPLIED PAYMENTS. XX/XX/XXXX, SERVICER EXECUTED AN UNRECORDED HAMP/GRM/GPM MODIFICATION INCREASING PRINCIPLE BALANCE A XXXX TIME FOR THE BENEFIT OF THE LENDER FROM {$200000.00} TO {$210000.00}. THIS MODIFICATION NEVER FINALIZED. SERVICER REQUESTED NEW XXXX PACKET TO FINALIZE XXXX THAT PURPORTEDLY CLOSED ON XX/XX/XXXX. ON XX/XX/XXXX, SERVICER EXECUTED A XXXX XXXX MODIFICATION THAT DID NOT FINALIZE UNTIL XX/XX/XXXX, FAX COPIES OF THIS MODIFICATION CAME FROM " XXXX XXXX  '', WITHOUT ANY NOTARIAL CERTIFICATION AS REQUIRED BY XXXX  XXXX. THERE ARE NO LOAN MODIFICATIONS RECORDED IN MY COUNTY OF RESIDENCE AS REQUIRED BY LAW. ALL OF SERVICERS LOAN MODIFICATION DOCUMENTS REFERENCE A NOTE DATED XX/XX/XXXX. I REQUESTED COPIES OF THE NOTE DATED XX/XX/XXXX NUMEROUS TIMES FOR MORE THAN A DECADE. THE ONLY COPY OF THIS NOTE FAXED FROM THE SERVICER IS A FLAWED COPY OF AN ADJUSTABLE RATE BALLOON NOTE DATED XX/XX/XXXX, UNRELATED LOAN NUMBERS, WITH AN ALLONGE FOR ENDORSEMENT BETWEEN XXXX UNRELATED INVESTORS. SERVICER COLLECTED EXCESSIVE AMOUNTS FROM ME FOR A LOAN THAT HAS NEVER BEEN VALIDATED, WITH ONGOING THREATS TO FORECLOSE IF NOT PAID, FROM XXXX TO XXXX. I SIGNED A REPAYMENT AGREEMENT THAT MADE NO SENSE TO ME IN XXXX, XXXX TO PREVENT REFERRAL TO FORECLOSURE AFTER SERVICER MISSAPPLIED PAYMENTS STARTING IN XXXX, CHARGED UNRELATED FEES AND DUPLICATE REAL ESTATE TAXES, ETC. SERVICER WAS APPROVED BY THE UNITED STATES BANKRUPTCY XXXX IN XXXX XXXX CASE TO SERVE ONLY AS DEBTORS IN POSSESSION OF MORTGAGE SERVICING RIGHTS WITH CHANGE OF NAME, SAME ADDRESS AND PHONE NUMBER. MY MORTGAGE PAYMENTS WERE COMINGLED WITH XXXX 'S OF OTHERS FROM THE ONSET WITHOUT MY KNOWLEDGE. THOSE PAYMENTS HAVE NEVER BEEN APPLIED TO ANY OF THE MORTGAGE LOANS AND ARE LOST FOREVER IN HEDGE FUNDS SOLD BY THE SERVICER TO MULTIPLE INVESTORS IN A SECONDARY MARKET ACCOUNT MANAGED BY XXXX XXXX XXXX AND MULTIPLE SECURITIES INVESTORS. SERVICER HAS DOCUMENTED MULTIPLE TIMES THAT THE INVESTOR/NOTE HOLDER IS XXXX XXXX XXXX XXXX XXXXXXXX TRUSTEE FOR XXXX XXXX XXXX XXXX BACKED PASS THROUGH CERTIFICATES. THIS TRUST WAS INCLUDED IN THE XXXX  XXXX BANKRUPTCY LIQUIDATION OF XXXX OF THE INVESTORS THAT WAS CLOSED BY THE BANKRUPTCY TRUSTEE IN XXXX, XXXX. I SOLD MY HOME ON XX/XX/XXXX TO A BUYER THROUGH MY REALTOR ON THE MLS. NO LIENS WERE FOUND RECORDED IN THE VESTED TITLE REFERENCING THE MORTGAGE SERVICER OR INVESTMENT TRUST WHO HAD BEEN POSTING NOTICES OF SUBSTITUTE TRUSTEE SALES IN COUNTY CLERK RECORDS SINCE XXXX. SALES CONTRACT EXECUTED ON XX/XX/XXXX, PAYOFF QUOTE SENT TO TITLE FROM SERVICER ON XX/XX/XXXX WAS EXHORBITANT FOR {$400000.00} ON A {$190000.00} ORIGINAL LOAN, NOTICE OF SUBSTITUTE TRUSTEE SALE POSTED ON XX/XX/XXXX WITHOUT REQUIRED LEGAL NOTICES FOR A SALE DATE OF XX/XX/XXXX. SERVICER REFUSED TO DISCUSS EXCESSIVE PAYOFF QUOTE AND DID NOT RESPOND TO MY WRITTEN NOTICE OF ERRORS UNTIL IT WAS TOO LATE. SERVICERS RESPONSE SAID XXXX FORECLOSURE DID NOT START UNTIL XXXX CONTRADICTS WITH XXXX SALE NOTICE THAT FORCED ME INTO XXXX  XXXX BANKRUPTCY, SERVICER CLAIMS NOT ATTEMPTING TO COLLECT ON A DEBT THAT WAS DISCHARGED FROM BANKRUPTCY ON XX/XX/XXXX THAT I AM NOT LIABLE FOR, SERVICER CLAIMS MERELY COLLECTING ON A DEBT TO ENFORCE A LIEN ON A SECURITY INSTRUMENT THEY ARE ENTITLED TO, WHICH CONTRADICTS TITLE RECORDS SHOWING NO LIEN RECORDED BY THEM. WE CLOSED ON XX/XX/XXXX, SERVICER COLLECTED FULL AMOUNT OF PAYOFF QUOTE, {$400000.00}, THAT WAS NEVER LEGALLY VALIDATED. I GOT XXXX. ON XX/XX/XXXX, SERVICER EXECUTED NOTICE OF INTENT TO FORECLOSE SENT TO ME VIA CERTIFIED MAIL FOR A PAYOFF AMOUNT OF {$230000.00}. ON XX/XX/XXXX, SERVICER ONLINE HISTORY APPLIED FUNDS WITH HUNDREDS OF FEES RECORDED AS COLLECTION OF BILLED FEE TRANSACTIONS. ON XX/XX/XXXX, A RELEASE OF XXXX WAS RECORDED XXXX XXXX, NO LOAN NUMBER, NO AMOUNT, NO SATISFACTION OF DEBT FOR A DEED OF TRUST DATED XX/XX/XXXX THAT DOES NOT EXIST, TERMINATING THE SECURITY INTEREST OF CREDITORS BY XXXX XXXX XXXXXXXX XXXX, SUCCESSOR TO XXXX XXXX XXXX XXXX  BY ATTORNEY IN FACT, XXXXXXXX XXXX XXXXXXXX XXXX, NO POWER OF ATTORNEY EVER RECORDED. XXXX XXXX SERVICES DELETED THIS LOAN FROM THERE RECORDS CLAIMING ITS NOW HANDLED BY A XXXX PARTY LIEN RELEASE DEPARTMENT DUE TO FULL PAYOFF OF CORPORATE ADVANCES. NO RECORD OF LOAN OR MY PHONE NUMBER ANYMORE, XXXX XXXX IS A ROBO FAX NUMBER. SOMEONE STOLE EVERY XXXX OF MY HOME EQUITY MORE THAN DOUBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation