Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
On about XX/XX/XXXX I was contacted by XXXX XXXX who stated that they are the new servicer for my mortgage. I never received any information as to how I am too be a part of selecting my servicer, as I did not want to do business with XXXX XXXX, as I knew them from working in the mortgage industry. In addition, I had noticed that XXXX  XXXX  has a recent lawsuit with CFPB modified errors with consumers. I immediately sent out a notice of error, requesting that XXXX XXXX XXXX  provide me with a contract between myself and them stating that they have provided me with the loan. Due to the fact that the first letter that XXXX XXXX sent to me stated that I was 30 days behind in foreclosure proceedings will start in XX/XX/XXXX. After XXXX, acknowledge receipt of my certified notice of error by returning correspondence, stating that they respectfully decline to send me the qualified, written request of information, and stated that they will continue to report me to the credit agencies. Spoke to XXXX  and asked them to send me any statements or accounting for the debt that they allege I owe, still to this day I have not received a statement from XXXX XXXX, but XXXX XXXX has claim my title, by changing the mortgage deed without my written permission. XXXX XXXX has alter my mortgage deed and put several errors, including their fictitious loan number, and the misspelling of worse in the legal description of my mortgage deed. I have a harmless for my legal description that came from the real estate attorney that close on my loan in XXXX. I called XXXX today and informed them that I did not give them permission to use my private information nor did I give them permission to alter my mortgage deed. I informed XXXX XXXX that the police report has been filed in XXXX XXXX, Texas with the sheriffs department for forgery and fraud against XXXX XXXX  as well as mortgage connect, XXXX, mortgage agent ( police report # XXXX XXXX XXXX , sheriff agency ) XXXX On XX/XX/XXXX of XXXX XXXX XXXX sent a payoff letter on a XXXX XXXX letterhead, indicating that they were my servicer by providing me a a.k.a. Loan number : XXXX, XXXX XXXX has never loaned me a XXXX. I requested that XXXX XXXX provide an itemization of charges that is detailed in their a.k.a. payoff letter. XXXX XXXX  also included in their payoff letter, a fee for mailing notice of sale, but stated that they will mail out their notice of sale on XX/XX/XXXX. 

I asked XXXX XXXX to show proof that they insured that their original creditor had provide the consumer with the FDIC prescribe notices preservation of rights of claims and defenses. XXXX XXXX said on a recorded line that they do not bey the regulations of the XXXX because they are not a bank. I asked them. How do they feel as though I have any debt allowability against them if theyre not a bank therefore, they did not loan me any money? A clear response was not given. 

I assert the claim, and will be filing addition records for aggressive, identity, theft on XXXX XXXX, mortgage, connect, XXXX XXXX all in relations to Cardinal Financial and its nominee : MERS, for selling these companies, my private information against my wishes due to the fact Cardinal Financial never provide me my rights of claims and defenses Before selling my private information. As a matter of fact, Cardinal Financial wrote up a unlawful contract stating that I agreed that Cardinal Financial gave me my disclosures of rights and notices due to the fact that I signed the contract. I only had less than an hour around about an hour to read pages of documents. I did not see anything about my notices of rights within the documents as I was signing them, and as I went through them as a date, I still did not see them. it is clear that Cardinal Financial hid my rights from me and decided to sell. My security instrument the same day they had to sign my doc documents. Cardinal Financial did not protect my personal and private information, and prevented me from knowing that I have the option to protect it. It says in my closing documents if I ask questions the escrow agent is not to close the loan. I do not want these other companies listed above to no longer have access to my private information. They have all worked together in order to fraud the state of Texas and steal ownership of my property. 

as Cardinal Financial has several fraud claims placed against them due to creating and having me too close on a mortgage that contain conflicting and dishonest documentation. Cardinal Financial was not supposed to sell my mortgage nor was Cardinal Financial supposed to sell my personal private information. 

Cardinal Financial has been found to not perform in the contract and to have had me to sign off on dishonest documentations. Therefore the contract that Cardinal Financial believes that it sold to XXXX XXXX is null & void unenforceable. Cardinal Financial participated in aggressive identity, fraud, allowing its investors to mangle my credit and steal my security interest, mislead, and deceive me. 


XXXX XXXX  is aggressively, committing identity theft. You will see in XXXX XXXX fictitious payment, history document XXXX XXXX has payment reversals, indicating that I issued bad checks on my account or Im not sure why the payments were reversed. Nonetheless, I have proof from my banking establishment that I have never issued a bad check off of my account as a relates to my mortgage. 

XXXX XXXX, committing aggressive identity theft against me, and they have already claim the title of my home unlawfully!

Company response to consumer: Closed with explanation