Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX aka XXXX XXXX onboarded a " Stale Outdated '' Debt Obligation in XX/XX/XXXX. I did not realize that a FORGED LOAN MODIFICATION was created from lifting my signature off a XXXX PAGE SHORT TERM Addendum, that I was to pay to XXXX XXXX XXXX XXXX My LENDER, while waiting for the Rewrite per the TERMS of the " AG Agreements '' as I was a victim of Predatory Lending by XXXX XXXX XXXX XXXX who set me into over 8* Loans and set me into Negative ARM Loans. By agreements and Provisions of the Deed of Trust, called the ENTIRE BALANCE DUE on XX/XX/XXXX. That the Statute of Limitations ran from that period of Time and Expired as a matter of law. My Credit Report reflected ZERO Due and the credit did not Transfer. That more than 10 years have expired since the Date of XX/XX/XXXX was said to be " LAST DUE '' by SLS and XXXX XXXX having disregarded the " Acceleration '' and 'Revived '' the DEBT by using a system to overlap overburden and eventually SET ME to be harassed under Civil Code XXXX. On recent findings, from which occurred in late XXXX, and in XXXX, I learned that a FORGED LOAN MOD was being represented by XXXX XXXX. I never signed that Loan Modification. That in XX/XX/XXXX, an employee agreed that Loan MOD would be VOID. And despite the laws applicable and the Forged Lifted Signature given for a different purpose. SLS recreated the DEBT and Nationstar Onboarded but neither one of those entities ever informed me that they had a Loan Mod - as I never had a Loan Modification. That I did object to false debt I never borrowed or owed that amount that SLS created back in XXXX to XXXX. On around XX/XX/XXXX I was forced to file a BK and back to back BK filed. That XXXX XXXX brought in the Forged Loan MOD and then XXXX XXXX XXXX also brought to the XXXX XXXX a Forgery of my Signature. I filed a Police Report on SLS and XXXX for Creating FALSE DEBTS on which I learned from reviewing events from XXXX and XXXX earlier and comparison that do not match. That XXXX created XXXX FALSE SECOND LIENS and SLS CREATED XXXX FALSE FIRST LIENS. That those XXXX were transferred to XXXX in XXXX. XXXX created and Traded to SLS in XXXX and I also filed a Police Report XX/XX/XXXX on SLS for the FAKE DEBT related to the SECOND LIEN ( XXXX ) and now here this SLS created The FALSE DEBT to TRADE over to XXXX where that NOTE would have been time barred before " that TRADE '' occurred. Now, on XX/XX/XXXX - New Evidence that XXXX XXXX was hired to become a Sub of Trustee ( ROUND III ) meaning every 7 years a new entity tries to resurrect the false debt to XXXX XXXX XXXX in California. 

On XX/XX/XXXX - XXXX XXXX recorded a Notice of Sale to threaten a Sale Date of XX/XX/XXXX - This now is being THREATENED where no rights exist under any legal basis. XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX and " others ' Aiding this Scheme, used last round XXXX FIRM who used a terminated entity to enter the ERDS Access into Public Records by CYBER Access Entry points. That I also filed a Police Report in XXXX and two months later XXXX XXXX shut its doors down. 

XXXX XXXX hires firms to AID and ADVANCE The Grand theft of Real Property when under law there is no rights to enforce any debt obligation associated to the recorded lien, and that the lien under law is already SATISFIED and Extinguished even if not released. Civil Code XXXX is the governing laws applicable. That the recent NOTICE of Default filed has a DATE of LAST Payment & Interest Due of XX/XX/XXXX and that is over 10 years under CA Comm. Code XXXXXXXX which provides that such liberally construed ( XXXX ) that if no P & I is paid for over 10 years that time is Extinguished. XXXX XXXX aka XXXX XXXX hires " Firms '' to play the Court to claim that Bankruptcy allows Liens to become enforceable where this is not true either. That the false representations by the hired Firms are being used to " Revive FALSE DEBTS when I have never reaffirmed any debt and that also discovered that my signature was lifted off a ONE PAGE Addendum, rather than rewrite to Market Value at that time in XXXX that I was further victimized and more than {$710000.00}. was " Added '' by SLS creating and crafting and concealing that of the Forgery of NOTE by the Loan Mod being presented by XXXX XXXX who has also now filed an illegal NOD and NTS to Threaten what is illegal under C.F.R. XXXX and C.F.R. XXXX. That I am being harassed under Civil Code XXXX and every day my life has been hijacked. 

There is no rights to enforce by any means the power of sale and yet XXXX XXXX and other Sub of trustee ' are used to omit the law and plant illegal Documents into the Public Recorders Office at the County Recorders.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation