Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: West Coast Servicing, Inc.
State: GA

Complaint narrative:
I dont know what type of attorney do I need? 
Real estate attorney Foreclosure, attorney Identity theft attorney Family attorney A zombie second mortgage company has come out of nowhere and trying to foreclose on my house in Washington DC pushing my XXXX into a crisis level. I have attended two virtual hearings this month one on the 6 and the other on the XXXX both pertaining to the psychological state of mind that XXXX XXXX is in. To let you know I am a XXXX XXXXXXXX vet and thats why I need someone to read these court papers for me because now this New Jersey address is showing up on my credit report. 

West Coast Servicing fraudulently obtain my signature by removing my name as a primary defendant in this case and started diverting my mail to an unknown address in New Jersey to expedite this case, isnt this fraud and identity theft? I dont know thats why Im asking you. These are the cases I need help with. One in the past one in the present, and the other XXXX future. 

Case # XXXX separation agreement Case # XXXX ( RP ) Foreclosure Case # XXXX MHE XXXX XXXX mental health In XX/XX/XXXX I was contacted by XXXX XXXX who XXXX XXXX that they ( West Coast Servicing ) were trying to foreclose on the house. My first question was who is West Coast Servicing. There was a virtual hearing scheduled for XXXX to move forward and foreclose on the house. As I attended the hearing, I come to find out that they had removed my name from the court case, and started serving mail to New Jersey. I asked the court for more time so that I may be served these court papers why they are foreclosing on the house. West Coast Servicing had bought the loan from them self when they were called West Coast XXXX who had bought the loan from someone who bought the loan From someone who bought the loan from the original bank. Changing this many hands since XXXX, you would think someone would get in contact with me ( XXXX XXXX XXXX XXXX ) the owner. But instead of trying to get in touch with me, they diverted my mail to an unknown address in New Jersey hoping to quicken the process. They were one step away from putting XXXX XXXX out on the street. This is my answer to the plaintiff that I submitted to the court last year, and as of today, I still have not received a response to my answer. 
After returning home in Ga on XX/XX/XXXX, I had discovered that the judged had rule that their service to me was indeed invalid, but no mention of why they diverted my mail to New Jersey or the whereabouts of mail previous Services It looks as though they are trying to circumvent the law for their own benefit. This is not how the process works. 


Dear XXXX XXXX, I hope this letter finds you well. I am writing in response to the proceedings related to XXXX XXXX. XXXX ( RP ). I appreciate the court 's attention to this matter and seek to address the issues raised by the plaintiff. 
I extend my sincere gratitude for the court 's patience in addressing the matter at hand, identified as Case # XXXX ( XXXX ). I wish to bring to the court 's attention several concerns that have arisen during the course of these proceedings, seeking clarification and resolution on the foreclosure proceedings initiated by the plaintiff. 
To provide context, the loan in question was obtained in XXXX and has, to date, not appeared on my credit report. I had believed the loan was either satisfied or written off due to the prevailing circumstances of predatory loans during the economic collapse in XXXX. The loan traversed XXXX different banks, namely XXXX XXXX XXXXXXXX, XXXX, and XXXX, until our bankruptcy filing in XXXX. 
Following the discharge of our bankruptcy in XXXX, any mention of the loan ceased, leaving us unaware of the proper entity to remit payments to or the chain of assignment. The plaintiff alleges our last payment occurred around XX/XX/XXXX, and I request specific details regarding the payee, payment amount, and a comprehensive payment history. 
I've consistently sought information regarding the whereabouts of pertinent mail, crucial as evidence of past service. Despite my efforts, there has been no disclosure of 10 years ' worth of return mail as proof of service, a fundamental aspect of the legal process. This lack of transparency is unsettling, and I question the legitimacy of the proof of service provided. 
An address discrepancy has further complicated matters, as the court accepted the plaintiff 's assertion that we were served at XXXX XXXX XXXX XXXX, XXXX XXXX  NJ XXXX, an address neither XXXX nor I have any association with. The validity of the service at this address is disputed, and I request an investigation into this matter. If I am unaware of when West Coast Servicing assumed ownership of the loan, and I seek clarification on the acquisition details. The plaintiff claims a balance of {$290000.00}, comprising an unpaid principal balance, interest, late charges, and additional fees. These figures appear inflated, and I request documentation, such as bank statements, to substantiate these claims. 
Moreover, the plaintiff 's delay in seeking collections, the removal of my name from the lawsuit, and the subsequent mailing of documents to an incorrect address in New Jersey raise concerns about the integrity of the proceedings. If a simple XXXX search would reveal my accurate address, it raises questions about the plaintiff 's motives and actions. 
The exhibits presented by the plaintiff lack clarity. Specifically, there are three different Exhibit A 's, and Exhibits B and C contain redacted loan and document numbers, resembling a XXXXXXXX XXXX  operation. I demand access to the original documentation of the loan and seek information on the plaintiff 's stance during the XXXX proceedings. 
In conclusion, I implore the court to thoroughly investigate and address these concerns, as they are crucial to the fair and just resolution of this foreclosure case. 
Thank the court for its time and consideration, and I deeply express my readiness to cooperate in resolving the issues at hand.

Company response to consumer: Closed with explanation