Consumer complaint received 2025-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Idaho Housing And Finance Association
State: WA

Complaint narrative:
This complaint is about a fraudulent notarization performed by XXXX XXXX, a commissioned Notary Public in the State of Idaho, who acted for Idaho Housing and Finance Association ( IHFA ). 
On XX/XX/XXXX, she notarized XXXX different documents Assignment of Deed of Trust and Appointment of Successor Trustee related to my FHA mortgage, even though the property is located in Washington State.

This constitutes federal interstate forgery and unauthorized notarial conduct under RCW 42.45.050 and 18 U.S.C. 1014. 

The notarized documents were later recorded in XXXX XXXX, Washington on XX/XX/XXXX, outside business hours, by XXXX and XXXX XXXX XXXX, without XXXX XXXX stamp or barcode. 
These actions enabled XXXX XXXXXXXX XXXX.to illegally use a forged Power of Attorney and transfer my federal FHA loan to Idaho Housing and Finance Association ( IHFA ) without my knowledge or consent. 

The forged Power of Attorney used in this transaction was recorded in XXXX XXXX, Washington, on XX/XX/XXXX, by XXXX XXXX XXXX XXXX, without the homeowners knowledge or consent. I request that CFPB verify the origin and authenticity of that Power of Attorney document. 

FEDERAL COMPLAINT AND REQUEST FOR INVESTIGATION Against : XXXX XXXX ( Notary Public State of Idaho ) IDENTIFICATION OF THE NOTARY PUBLIC Name : XXXX XXXX Status : ACTIVE Commission Number : XXXX Bond Company : XXXX XXXX XXXX XXXX Number : XXXX City of Residence : XXXX, Idaho XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, ID XXXX Electronic/Remote Notary : Not Authorized Commission Expiration Date : XX/XX/XXXX SUMMARY OF VIOLATIONS On XX/XX/XXXX, XXXX XXXX, a commissioned notary public authorized only in Idaho, illegally notarized XXXX separate real estate documents on the same date : 1. Assignment of Deed of Trust 2. Appointment of Successor Trustee Both documents were notarized in Idaho, but were later recorded in XXXX XXXX, Washington on XX/XX/XXXX, at XXXX p.m., outside business hours, by XXXX and XXXX XXXX XXXX ( Idaho ) without any county stamp, barcode, or timestamp. 
These irregularities violate XXXX XXXX ( improper or delayed recording ). 

XXXX XXXX had no authority for electronic or out-of-state notarization, yet she engaged in federal interstate forgery between Idaho and Washington for a property located at : Washington state FORGED POWER OF ATTORNEY AND UNAUTHORIZED TRANSFER The Assignment of Deed of Trust notarized by XXXX XXXX was based XXXX XXXX forged Power of Attorney, which was recorded on XX/XX/XXXX, in XXXX XXXX, Washington XXXX by XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, without the knowledge or consent of the homeowners. 

The forged Power of Attorney was prepared by : XXXX XXXX XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XXXX XXXX ) XXXX Using this forged document, XXXX XXXX XXXX unlawfully transferred an FHA XXXX XXXX, changing its loan number and beneficiary name, and secretly assigning it to : Idaho Housing and Finance Association ( IHFA ) XXXX XXXX XXXX XXXX, XXXX XXXX ID XXXX XXXX New Loan Number : XXXX XXXX ) This entire process occurred without any notification to the borrowers, constituting Federal Mortgage Fraud ( 18 U.S.C . 1014 & 1341 ) and Forgery under RCW 9A.60.020. 



ILLEGAL TRUSTEE ACTION CAUSED BY THE FRAUDULENT NOTARIZATION The fraudulent notarization by XXXX XXXX directly enabled XXXX XXXXXXXX XXXX XXXX XXXX XXXX to act as an unauthorized successor trustee and initiate an illegal foreclosure on my home located at Washington XXXX. 

This unlawful action was based entirely on forged documents notarized by XXXX XXXX ( Idaho XXXX ), who was not authorized for interstate or electronic notarization. 

Her false notarial act caused real harm, allowing a non-legitimate trustee sale process to begin against a federally protected FHA loan, violating federal mortgage and homeowner protection laws. 



LEGAL VIOLATIONS RCW 65.08.070 Invalid and improper document recording RCW 42.45.050 Unauthorized notarial acts outside jurisdiction RCW 9A.60.020 Forgery and false certification RCW 9A.82.045 Criminal profiteering through fraudulent instruments 18 U.S.C. 1014 False statements involving federal lending 18 U.S.C. 1341 Mail and wire fraud involving real estate REQUEST FOR FEDERAL INVESTIGATION I, as the lawful homeowner and FHA borrower, respectfully request that the Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX, XXXX XXXX XXXX XXXX, and all associated parties for federal interstate forgery, falsified notarization, and unauthorized mortgage transfers.

REQUEST FOR DAMAGES I respectfully request the following relief : 1. Immediate federal case opening regarding these fraudulent transactions.

2. An order declaring all forged documents VOID.

3. Punitive and compensatory damages against XXXX XXXX and XXXX XXXX XXXX XXXX, for : Severe emotional distress and trauma to my family Financial harm and legal risk from the forged documents Violation of homeowner rights under federal mortgage law Related Entity CFPB This complaint is directly related to my prior CFPB complaint filed on XX/XX/XXXX, regarding XXXX XXXX XXXX XXXX XXXX 

Attached Evidence : Assignment of Deed of Trust and Appointment of Successor Trustee notarized by XXXX XXXX ( State of Idaho ), and official Idaho Notary identification record for XXXX XXXX. 

Thank you for your prompt attention to this urgent federal matter. 
Your investigation is critical to protect homeowners from ongoing interstate mortgage fraud and forged federal loan transfers.

Company response to consumer: Closed with explanation