Consumer complaint received 2025-04-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: West Coast Servicing, Inc.
State: GA

Complaint narrative:
I am filing this complaint against West Coast Servicing , Inc. ( WCS ) and related parties for fraudulent foreclosure, unlawful debt collection, and violations of federal mortgage servicing and securities laws.

West Coast Servicing , Inc. wrongfully initiated foreclosure proceedings against me in XXXX, despite never legally owning or servicing my loan. They lacked authority to foreclose because my loan was securitized into CSAB Security Deed-Backed Pass-Through Certificates, Series XXXX Trust as of XX/XX/XXXX. This means that : WCS Never Owned the Loan They could not have lawfully acquired or serviced my loan because securitization into CSAB XXXX Trust precluded any later assignment. 

Fraudulent XXXX Assignment The recorded assignment from XXXX to WCRSI, LLC in XXXX was invalid, as XXXX had no authority to assign a loan already sold into a securitized trust. 

Violation of Pooling and Servicing Agreement ( PSA ) and SEC Regulations The PSA for CSAB XXXX Trust prohibits post-closing assignments, meaning any attempt to transfer ownership of my loan after XX/XX/XXXX, was void. 

Unlawful Foreclosure in XXXX Since WCS never lawfully acquired my loan, it had no authority to foreclose. 

Fraudulent Deed Under Power The foreclosure deed recorded by XXXX XXXX XXXX XXXX on behalf of WCS was invalid and fraudulent, as WCS had no legal claim to the property. 

Detailed Explanation of Violations 1. Violation of FDCPA ( 15 U.S.C. 1692 et seq. ) West Coast Servicing , Inc. violated the Fair Debt Collection Practices Act ( FDCPA ) by : Falsely representing itself as the creditor when it was not legally entitled to collect on or foreclose my mortgage. ( 15 U.S.C. 1692e - False or Misleading Representations ) Attempting to collect a debt it had no right to enforce. ( 15 U.S.C. 1692f - Unfair Practices ) Providing false documentation to support an illegal foreclosure.

2. Violation of Federal Mortgage Servicing Laws ( RESPA & TILA ) WCS failed to provide proper validation of debt or proof of legal ownership. ( 12 C.F.R. 1024.41 - Loss Mitigation Procedures ) WCS engaged in dual tracking, continuing foreclosure proceedings while I was attempting to dispute the debt. ( 12 C.F.R. 1024.35 - Error Resolution Procedures ) 3. Violation of Securities & Securitization Laws Under the Pooling and Servicing Agreement ( PSA ) for CSAB XXXX Trust, once the closing date passed on XX/XX/XXXX, no further assignments could be made. 

The attempted XXXX assignment from XXXX  to WCRSI, LLC was void because the loan had already been transferred into the trust. 

WCS falsely claimed ownership in foreclosure proceedings, misrepresenting its authority. 

Evidence Supporting My Complaint Loan-Level Data from XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ) Confirms my loan remains in CSAB XXXX Trust as of XX/XX/XXXX. 

XXXX Fraudulent Assignment Shows XXXX transferred the loan to WCRSI, LLC, despite XXXX  having no authority to do so. 

Deed Under Power Recorded by XXXX XXXX XXXX XXXX ( XXXX ) Fraudulently executed foreclosure deed despite WCS having no legal claim to foreclose. 

Void-Imprinted Cashiers Checks ( XXXX XXXX, XXXX ) Processed a day before the foreclosure sale and endorsed to XXXX XXXX , a notary employed by XXXX XXXX  XXXX XXXX ( the supposed buyer at the foreclosure auction ).

Company response to consumer: Closed with explanation