Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA

Complaint narrative:
Consumer : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, California I am submitting this complaint regarding mortgage fraud, misrepresentation, and unauthorized transaction activity that resulted in foreclosure proceedings ( later stopped ), severe financial harm, and loss of property rights. 

Background and Timeline On or about XX/XX/year>, a real estate transaction involving the above property was conducted through XXXX XXXX XXXX, with XXXX XXXX acting as the agent involved, and XXXX XXXX ( also known as XXXX XXXX ) participating in the transaction and related communications. As a result of this transaction, I became financially exposed to a mortgage obligation tied to the property. 

Misrepresentation and Concealment Material facts regarding ownership interests, financial responsibility, and the mortgage consequences of the transaction were misrepresented and/or concealed from me. I did not receive full, clear, or accurate disclosures that would have allowed informed consent to mortgage liability, foreclosure risk, or the true financial implications of the transaction. 
Irregular and Unauthorized Documentation Documents affecting title, escrow, and the mortgage appear to have been executed, recorded, or relied upon without proper disclosure, lawful authorization, or informed consent. These documents were later used to justify default status, foreclosure activity, and negative credit reporting against me, despite the disputed and irregular nature of the underlying transaction. 

Foreclosure Activity and Financial Harm As a direct result of the above conduct, the mortgage entered default status and foreclosure proceedings were initiated. Although the foreclosure sale was ultimately stopped, I suffered substantial and ongoing harm, including : loss of leverage and property rights, significant credit damage, financial distress and associated costs, and continued risk to my home based on disputed and tainted documentation. 
Attempts to Obtain Information. I requested information and explanations from the mortgage company regarding the basis for the mortgage, the foreclosure activity, loss mitigation handling, and the documents being relied upon to enforce the debt. The company did not provide complete or clear documentation or explanations, and critical records remain missing. 

Settlement Before Fraud Discovery A settlement involving XXXX XXXX, affiliated parties occurred before key evidence of fraud and misrepresentation was discovered, which impaired my ability to fully understand the transaction, protect my rights, and pursue remedies to reclaim my home. 

What I Am Requesting I respectfully request that the CFPB require the company to : Produce all documents related to this matter, including but not limited to : full loan origination and underwriting files, complete escrow and transaction files, servicing notes, payment history, and fee ledgers, loss mitigation and foreclosure referral records, and all documents relied upon to create or enforce mortgage liability. 

Provide a written explanation detailing : how mortgage liability was created, what documents were relied upon, and the roles of all third parties involved, including XXXX XXXX XXXX and agent XXXX XXXX. 
Correct any inaccurate credit reporting associated with this mortgage. 
Preserve all records related to this transaction and mortgage and suspend enforcement actions based on disputed documents. 
Investigate potential mortgage fraud and deceptive practices and coordinate with appropriate state regulators as necessary. 
Supporting documents and a detailed timeline are attached.

Company response to consumer: Closed with explanation