Consumer complaint received 2025-05-24 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: McCarthy & Holthus, LLP
State: WA

Complaint narrative:
My issue is this. On a reverse mortgage our mother has taken and she passed away in XXXX. XXXX XXXX sells XXXX  XXXX reverse mortgage portfolio to mortgage assets management XX/XX/XXXX. They sell the loans or servicing and everything so they are completely out of reverse mortgages. 
XX/XX/XXXX XXXX  complete reverse mortgage servicing to XXXX mortgage. 
XX/XX/XXXXXXXX XXXX days later our home is forclosed on by XXXX XXXX  XXXX  .. ran by a XXXX party Law Firm McCarthy Holthus .. the new Servicer XXXX mortgage XXXX XXXX the must wait XXXX  days under Washington XXXX XXXX XXXX XXXX. And XXXX have nothing to forclose on they sold all loans to mortgage assets management XX/XX/XXXX. 
But this Law firm is controlling the narrative and they get this foreclosure through. Obviously it's illegal. Skip to XXXX I'm on the title of the home the law firm comes in and takes it home puts it in the sheriff sale under XXXX XXXX  XXXX  mortgage. They have no standing to do so because XXXX is now the loan holder. Goes through Sheriff sale nobody buys it it goes back to the lender.. but on the paperwork it says the lender is and they should start mortgage XXXX  mortgage. The XXXX  is the loan holder I talked to XXXX XXXX mortgage and XXXX  mortgage they have no idea what's going on they're not involved in it at all they know nothing about it. And if you look at XXXX XXXX assessor 's office it says XXXX Mortgage is the new homeowner. No they're not they have no right to even put the house in that sheriff sale because they have no standing to do so but the paperwork says XXXX because they have the course believing that they are the long holder. I asked XXXX Mortgage about the home. they said we they know nothing about this they never services property and they aren't home buyers they're not in the home buying business. I talked to the XXXXXXXX XXXX  mortgage tells me oh yes the house is with us with XXXX of our XXXX. But it says on the paperwork that nations are mortgage of the lender it owns the home .. and you look closely at what's going on it does say XXXX Mortgage and the address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX That's not XXXX mortgages address they're out of XXXX XXXX? That's XXXX  mortgages address. But it says XXXX Mortgage is a homeowner no they're not. So my brother who's a severely XXXX individual are being evicted from XXXX Mortgage who has no standing to evict anybody has nothing to do with the home at all but yet is on all the paperwork stating that they have their homeowner. I got documentation stating that XXXX Mortgage has nothing about this nor does XXXX  and everything was ran by this Law firm this is mortgage fraud. And money laundering being done by that law firm McCarthy Holthus. They're trying to steal the home and steal the equity of the home. They have light on every document they have submitted to the court of XXXX XXXX and watch them live right directly to the judges face. There's more to it than this but that's the gist of the what happened here and what's going on we're going to be legally evicted from our home. And it's a disgrace I've tried to talk to XXXX Mortgage they know that they are in the wrong and what they are doing is fraudulent and the law firm is trying to change their story now that they say they're represent XXXX .. which is complete BS. I have no documentation at all for this whole process that XXXX is being represented by McCarthy Holthus. But they both been caught so they're going to try to work around this together which doesn't matter because there's enough documentation out there that it doesn't matter. This Law firm will tell you that the sheriff sale or they'll call it a foreclosure sale which are XXXX different things but they're trying to change the narrative again was legal. It wasn't legal not even close to being legal because you can't put the home in the sheriff sale under XXXX mortgage companies they should start a XXXX  who have no standing to even put it in a Sheriff sale and those XXXX companies don't even know about it? And if they say well it was in foreclosure XXXX on it doesn't matter once you sell your loans to another mortgage company like they did they sold the entire portfolio then you're completely out of it you can't turn around and keep foreclosing on something you have nothing to foreclose on. And plus XXXX  also said as of XX/XX/XXXX any foreclosure that was being ran by XXXX 's mortgage is terminated. They didn't think anybody was going to catch them but they got busted red-handed. Everything I stated is 100 % true and this right here is my opinion this is the first time they've done this? You can't have this type of corruption. These guys are ruining people 's lives to make a dollar. And it's disgraceful and it needs to stop. And I promise you I will stop it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation