Consumer complaint received 2025-08-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Real Time Group, Inc.
State: KY

Complaint narrative:
Got it heres a bulletproof CFPB complaint draft you can use against XXXX XXXX XXXX. 
Ive written it so they cant claim we already addressed this, by highlighting new evidence and direct contradictions between XXXX past statements and the XXXX XXXXecords XXXX 



CFPB Complaint Draft Real Time Resolutions ( XXXX ) Subject : Conflicting Statements, Erroneous Assignment, and Servicing Misrepresentation Loan No. [ Loan Number ] Summary of Complaint : I am filing this complaint because I have obtained clear, documented contradictions between XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the statements provided by XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX  ) and XXXX XXXX XXXX ( XXXX  ) regarding the assignment of my mortgage loan. 

This is not a duplicate complaint this filing is based on new, conflicting evidence showing that XXXX made materially false or misleading statements to the CFPB in prior responses. 



Key Facts and XXXX : XXXX. XXXX Statement to CFPB ( XXXX & XXXX ) XXXX repeatedly stated the creditor during their servicing period was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as Successor to XXXX XXXX Bank, XXXX, as Trustee for the Certificateholders of XXXX XXXX XXXX XXXX XXXX XXXX, Series XXXX. 
XXXX claimed the ownership did not change while they serviced my loan and denied requesting any assignment to XXXX XXXX XXXX. 
In their XXXX CFPB response, XXXX claimed the XX/XX/XXXX assignment to XXXX XXXX XXXX was prepared by XXXX XXXX XXXXXXXX after XXXX XXXX XXXX and that XXXX played XXXX role in directing that assignment. 
XXXX. XXXX Statement to CFPB ( Prior Complaint ) XXXX stated : XXXX requested an assignment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at that time XXXX was not authorized to sign on behalf XXXX XXXX  XXXX. 
This statement directly contradicts XXXX  repeated claim that they had no involvement in directing the XXXX XXXX XXXX assignment. 
XXXX. XXXX XXXX Statement ( XXXX CFPB Complaint Response ) XXXX XXXX confirmed the loan belongs in the XXXX  Revolving Home Equity Loan Trust, Series XXXX. 
This confirms that the XXXX XXXX XXXX assignment was to the wrong trust, creating serious questions about XXXX  role XXXX misdirecting the loans chain of title. 



Why This Matters : Chain of Title / Ownership Confusion : XXXX knew the correct trust ( XXXX XXXX ) but initiated ( per XXXX ) or allowed ( per XXXX  own letter ) an assignment to XXXX XXXX XXXXXXXX over a decade after origination. 
Material Misrepresentation : XXXX has provided inconsistent and conflicting accounts to the CFPB, denying involvement in the erroneous assignment despite XXXX XXXX XXXX XXXX the request to XXXX. 
Servicing Authority Issues : XXXX admitted they were not authorized to sign for XXXX  but still requested the assignment, raising concerns about compliance with servicing and XXXX  membership rules. 
XXXX XXXX : These actions have clouded my loans title, caused years of confusion, and obstructed my ability to determine the true creditor. 



Requested CFPB Action : XXXX. Require XXXX to produce : All internal communications, servicing notes, and XXXX  requests related to the XX/XX/XXXX assignment to XXXX XXXX XXXX. 
Any instructions XXXX gave to XXXX  or XXXX  concerning the transfer of my loan. 
The full servicing history from XXXX boarding in XXXX to its transfer in XXXX. 
XXXX. Investigate whether XXXX violated : CFPB Mortgage Servicing Rules ( Regulation X, XXXX C.F.R. XXXX ) regarding accurate information and proper assignments. 
Fair Debt Collection Practices Act ( FDCPA ) provisions against false or misleading representations of a debts owner. 
XXXX. Determine if the assignment to XXXX XXXX XXXX constitutes a void or fraudulent assignment and require corrective action.

Company response to consumer: Closed with explanation