Consumer complaint received 2024-11-01 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 writing to outline critical issues involving fraudulent non-judicial process and property theft, along with ongoing legal challenges surrounding this matter. Below is a summary of the events : XXXX. Initial Mortgage and HELOC Setup : - I purchased my home in XXXX with XXXX XXXX XXXX XXXX, obtaining a HELOC for {$25000.00}. 
- In XXXX, I refinanced with XXXX XXXX XXXX, XXXX, converting to a XXXX loan with XXXX, XXXX XXXX XXXX secondary lender. 
XXXX. XXXX Refinancing Attempt : - In XXXX, I sought to consolidate my loans with XXXX XXXX XXXX, XXXX. A new HELOC was offered, but I chose to retain my current HELOC at a lower interest rate. 
- I canceled this new HELOC on XX/XX/XXXX, through the closing attorney, XXXX XXXX XXXX, yet I recently discovered it was still recorded as active. 
XXXX. Mortgage Transfer and Service Changes : - After XXXX XXXX XXXX, XXXX failed and was sanction, my loan ( not the canceled HELOC ) was transferred to XXXX, XXXX. In XXXX, I entered the XXXX program, with XXXX  XXXX XXXX and later XXXX XXXX  XXXX XXXX as servicers. 
XXXX. XXXX non-judicial Notice and Fraud : - In XX/XX/XXXX, West Coast Servicing , Inc. issued a non-judicial notice based on the HELOC I had canceled in XXXX. 
- XXXX XXXX  confirmed my only existing loan was current, and further investigation revealed no documented assignment of this HELOC from XXXX XXXX XXXX to XXXX XXXX XXXXXXXX or West Coast Servicing , Inc . However, there was an assignment recorded in XXXX by XXXX  in nominee of XXXX, XXXX was applied to this canceled HELOC erroneously. 
XXXX. Improper non-judicial process ( fraud ) and Property Theft ( XXXX ) : - Despite the HELOC cancellation and lack of valid assignment, West Coast Servicing , Inc. seized my property in XX/XX/XXXX and sold it to XXXXXXXX XXXX XXXXXXXX for {$50000.00}. They recorded a deed under power as my attorney in fact without any official documents of debt or a Power of Attorney agreement. 
- This deed was improperly recorded by XXXX XXXX XXXX XXXX in XX/XX/XXXX at the XXXX XXXX XXXX office. 
XXXX. Legal Proceedings and Challenges : - Due to this invalid deed under power, I was ordered by the XXXX XXXX XXXX XXXX to pay {$1000.00} into a XXXX for XXXX. On XX/XX/XXXX, I filed an emergency petition in XXXX XXXX XXXX XXXX to halt the dispossession. 
- I have been actively litigating against XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX since XX/XX/XXXX. 
XXXX. Primary Legal Concerns : - Fraudulent Non-Judicial Process : The property theft and sale of my property were based on an invalid and canceled HELOC without proper documentation or assignment. 
- Improper Transfer and Deed Under Power : West Coast Servicing , Inc. acted without my authorization as attorney in fact, rendering the property transfer and dispossession by XXXXXXXX XXXX XXXXXXXX invalid. They used deceptive documentation to steal my property. 
- Unlawful Dispossession Attempts : XXXXXXXX XXXX XXXX  efforts to evict me are based on this flawed process. XXXX XXXX, XXXX stated I was a tenant in sufferance. 
Conclusion : I am seeking immediate court intervention to rectify this fraudulent non-judicial process and property theft. Your assistance is essential to halt these proceedings and restore my ownership of the property. Thank you for your time and attention to this urgent matter.

Company response to consumer: Closed with explanation