Consumer complaint received 2024-05-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: AMERICAN PACIFIC MORTGAGE

Complaint narrative:
First, we, my partner spouse and I, Reserve All our Rights ( e.g. All XXXX XXXX ). Equally important is OUR property is in fact paid-in-full and American Pacific Mortgage ( APM ) knows it. We are the lawful true creditors and NOT debtors at any point in time. XXXX colluded with infamous Mortgage XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX and other person entities in willful malicious FRAUD, not limited to the following : Mortgage fraud : APM as the alleged originator of the alleged loan intentionally unlawfully ( without our free and lawful CONSENT ) securitized the signatures of ours on our lawful equity / assets / credit, then charged sold back or mortgaged our very own assets back to us, using fraudulent use of legal language methods and blatant Coverup and Subrogation schemes. They failed to disclose the details of the following, which is required in a legally binding contract, and in a truly fair and equitable mortgage agreement : a. Actual bond details of the loan ( e.g. name of the bond, business address, contact telephone, and full name, title and email address of the agent ( XXXX ) of the business ). 
b. Actual fully named bond broker person with all the above details that are required. 
c. Failed to disclose why they did not forward to any credit reporting agency our approved total amount of the mortgage loan in or around XXXX thru XX/XX/XXXX, or thereafter. 
XXXX Failed to disclose why and how current entity - XXXX XXXX - interloped, involved or attached itself to our lawful estate/ property when in fact, XXXX, XXXX lawfully, nor does XXXX XXXX XXXX have ANY lawful interest in our unencumbered paid-in-full estate, except through utter malicious embezzlement, corruption and malfeasance acts. 
e. APM Failed to prove its lawful state/ federal / private status to loan credit or assets, and Not limited to : must produce certified copy of the operating license from calendar year XXXX - XXXX. 
f. APM Failed to prove from the beginning that a DEBT was owed to them from us. There was no lawful consideration nor ANY lawful contract established for the record. This includes the security / loan Note ( XXXX ), and the undisclosed other security instruments, and allonges that have only the signatures on it of the persons that bore ALL the legal liability, without ANY truly fair and lawful equitable mutual assent by all persons in a lawful contract. 
g. Failed to provide legal income statements to us for applicable tax year ( XXXX ) XXXX, and associated balance sheet and off balance sheet calendar years XXXX and XXXX. 
XXXX Failed to disclose the XXXX XXXX information, NOR did they provide detailed property / account TRUST that was definitely opened in our names without our free CONSENT nor our knowledge. 

Securities fraud : APM, through its conniving bookkeeping and accounting methods, performed financial / accounting fraud dealing in our securities, and deliberately placed us as debtors, when in fact, we are the true creditors that are maliciously abused, in which our lawful securities and assets were escheated and absconded by APM and other entities named herein. 

Chain of title fraud : APM transferred the TITLE, without our free CONSENT nor our knowledge, and APM failed to ensure the legal ( especially lawful ) Chain of Title was not broken, as APM colluded with both XXXXXXXX XXXX XXXX XXXX, who allegedly " serviced '' the alleged " loan '' then afterwards to : XXXX XXXX XXXXXXXX effective XX/XX/XXXX, although in corruption AND slander of the Chain of Title and the " loan '' / " mortgage account, '' XXXX XXXX XXXXXXXX opened the " account '' reportedly on XX/XX/XXXX, which in itself is highly suspect and these " processes '' performed were in non-disclosure to us. 

At the end, XXXX XXXX XXXX will and must account for their corruption, fraud and gross misrepresentation of the alleged " loan documents. '' They are a major party, participant, and conspirator in willful collusive behavior with XXXX, XXXX and not least with XXXXXXXX XXXX XXXX.

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