Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL

Complaint narrative:
This has been a complete nightmare dealing with bank of New York Mellon XXXX XXXX formly known as XXXX. I bought my home back in 2005 I am currently still in the home and have gone through bankruptcy, forclosure and complete XXXX  XXXX  over the way I have been treated, no one is willing to assist us unless I pay huge amount of money to either lawyers or the servicer which has changed hands 5 times since I lived here. I have gone through the modification process which never help me it just put me in a worse financial position and I owe 2 what the home is worth as it stands currently my home is worth XXXX. And they state i owe XXXX. We have gone to court and currently. I lost the first round, which my lawyers have appeal and sale date for my property has been canceled awaiting appellate court and a loss mediation which is in place. After 10+ years I took the time to review my loan documents and discovered signs of robo signing, false appraisal, RESPA violations, fake affidavits of mortgage, rubber stamp of note undated endorsement with improper and illegal collecting practices from XXXX which was one of the servicers. A fictious name of XXXX XXXX XXXX  on all my documents, an later I found our that according to the pool and servicing agreement which governs this loan medication was prohibited. I found out that this loan was insured and they got paid off by XXXX several time over. Which also started to make sense when they required me to be 90 days late for assistance. Just in case your not firmly that triggers a payoff to the company for the full amount ( asset back credit default swap ) The only way was to accept terms and conditions which hurt me and my family. Which in the modification paper work is still wrong an names XXXX as the lender I need to bring my concerns to light. But the only way is to sue an no lawyer in Florida would accept a case like this unless I pay 10 of thousand of dollars. Currently I am represented by XXXX XXXX XXXX  which understands the underline problem an has done a great job but how far can they take this I had to pick the lesser of two evils simply because of the magnitude of work needed to uncover the truth I have done most of the work myself. Including making a copy of ever singal paper regarding my loan. I can point out everything but dont have a advocate to assist me and the people that say they can I dont trust ( loan audits and scamers ). Its all there in black and white. At first look all looks legal on paper but when I dig into the paperwork I fine criminal misconduct and I cant point the finger at one person. I can upload all my documents but I would rather make an appointment with the CFPB and bring everything even if I have to travel to meet them. I am not a person with limited means I'm not a conspiracy theorist and I am a realist they put me in this position by first waiting close to 3 years to start forclosure procedure they put me into bankruptcy to stay in my home and at the end they will get my property damaged my credit, took my money and left me fight off a deficiency on the property if it goes into short sale. I have already spent close to 25,000 on lawyers. I requested a breakdown of all money owed but they never respond. I also saw my original note and it was not signed just rubber stamped

Company response to consumer: Closed with explanation