Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Dear CFPB, I want to report that Real Time Resolutions , Inc. and XXXX XXXX XXXX XXXX XXXX XXXX are conspiring unlawfully foreclose on my property at XXXX XXXX XXXX XXXX, CA XXXX. The Notice Trustee Sale is scheduled for XX/XX/year>. 

NOTICE OF TRUSTEE SALE XXXX Real Time Resolutions , Inc. ( RTR ) have repeatedly ignored and failed to validate the account under my private consumer protection rights including RESPA, TILA, FDCPA, XXXX XXXXXXXX. RTR and their agents including XXXX XXXX, Corporate Counsel and XXXX XXXX, CEO have not responded and have continue ignore to rebutted my Affidavits of Fact Disputing the alleged account. This officer have no personal knowledge, no facts or admissible evidence to authenticate and validate any alleged contract between me and any of the alleged entities claiming to be the creditors. 

Attached is a copy of my Notice of Consent to Contract with Commercial Liability and Demand to Cure. 

Here is the first page of the notice with the list of the many fraudulent violations these entities are committing in threatening to foreclose on my property. 


NOTICE OF CONSENT TO CONTRACT WITH COMMERCIAL LIABILITY Whereas the above mentioned parties, hereafter parties have received my NOTICE & DEMAND with USPS tracking number XXXX delivered XX/XX/XXXX, XXXXXXXX XXXX and included herein as Exhibit A. 

Whereas all averments therein have been stipulated with tacit agreement, Therefore, it is confirmed that we have agreement to the terms stated therein and as a result of the parties lack of action to correct the wrongs relating to the above mentioned Trustee Sale we shall begin tabulating the accounting figures on fees for invoicing relative to all parties involved. 


DEMAND FOR CURE Upon thorough investigation, certain facts have come to light which need to be cured or compensated, to wit : I, XXXX XXXX, am the Maker and beneficial owner of the original NOTE security that has been improperly bundled into a Mortgage-Backed Security ( MBS ) under the administration of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MIN # XXXX purportedly acting as Trustee ( EXHIBIT B ) ; The purported original " loan '' offered by the originator - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was a fraudulent transaction No lawful consideration was provided by XXXX XXXX XXXX XXXX  and instead, my private credit was converted into a Payment Order with payment to the order of XXXX XXXX XXXX 

The NOTE security was ineligible for XXXX inclusion At the time of securitization, it lacked proper assignment, endorsement, and lawful chain of title. 

Breach of the PSA ( Pooling & Servicing Agreement ) The PSA governing this XXXX explicitly prohibits the acceptance of non-performing or fraudulently assigned instruments which leads us into SEC security issues. 

Failure to provide a full accounting and beneficiary ledger There has been no certified disclosure of XXXX  financial interest, profit from securitization, or accounting records tracing the disposition of the NOTE security. 
Violation of the FDCPA, TILA, and related laws Any purported claims against this estate-trust are void ab initio due to lack of legal standing and fraud in the factum. 



thank you, XXXX XXXX

Company response to consumer: Closed with explanation