Consumer complaint received 2024-10-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Newrez LLC Shellpoint Mortgage servicing XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Rule 3.2100 - Compliance with fictitious business name laws ( a ) Filing of declaration of compliance, A claimant who is required to file a declaration of compliance with the fictitious business name laws under Code of Civil Procedure section 116.430 must file the declaration in each case filed. 
( b ) Available methods the clerk must make the declaration of compliance available to the claimant in any one of the following ways : ( c ) The declaration of compliance may be placed on a separate form approved by the XXXX XXXX. 
( d ) The approved XXXX XXXX form may be placed on the reverse of the Plaintiff 's Statement to the Clerk or on the back of any XXXX XXXX form with only one side : or ( XXXX ) The precise language of the declaration of compliance that appears on the approved XXXX XXXX form may be incorporated into the Plaintiff 's Statement to the Clerk. Cal. R. Ct. 3.2100 Rule 3.2100 amended and renumbered effective XX/XX/XXXX ; adopted as rule XXXX effective XX/XX/XXXX ; previously amended effective XX/XX/XXXX. 
URGENT : THE CLAIMANTS CLAIM FOR DEMAND OR IN THE ALTERNATIVE THIS IS A NOTICE TO COMMENCE A LAWSUIT WE URGE YOU TO CONTACT XXXX XXXX OR XXXX XXXX. SPECIALIZED LOAN SERVICING AKA XXXX XXXX XXXX AKA XXXX XXXX XXXX NEWREZ LLC DBA SHELLPOINT MORTGAGE SERVICING, SHELLPOINT AND THE AGENT XXXX YOU ARE HEREBY PLACED ON NOTICE AND ADVICED YOU ARE GIVEN XXXX DAYS XX/XX/XXXX, TO ANSWER TO OUR DEMAND. 
SEE DOCUMENTS ATTACHED THE PUPORTED LOAN WAS PAID IN XXXX. AND THERE WAS NEVER ANY MODIFICATIONS. 
XXXX XXXX and XXXX XXXX properly mailed by certified mail and VIA email Specialized Loan Servicing AKA Newrez AKA Shellpoint, A demand for restitution on XX/XX/XXXX, but there was NO RESPONSE. Moreover, XXXX and XXXX exercised due diligence and tried to settle their claim with XXXX XXXX XXXX, and the agent XXXX which have displayed an abuse of power. The purported agent for XXXX XXXX improperly emailed a letter dated XX/XX/XXXX, which she continually and intentionally misrepresents and claim there was a QWR Request sent to XXXX dated XX/XX/XXXX, when in fact a QWR letter was not sent to SLS on that date. 
XXXX continues to misrepresent and claim XXXX XXXX XXXX responded substantially when in fact, our questions have NOT been answered. The purported agent for XXXX XXXX claim to work for the servicer claiming to have the name XXXX XXXX in which the batch of forged and fraudulent documents that she claim to have sent through the XXXX on XX/XX/XXXX, only contained a first name wherein the image of the name was blurred the letter did not contain a last name, and that certain letter XXXX created was NOT sent on XX/XX/XXXX, but was emailed through a back-door to XXXX into our network, that letter was received on XX/XX/XXXX, by email. Specialized Loan Servicing agents has never tried to call as their harassing letter claim. The agent for XXXX XXXX sent not one but two letters with the same date of XX/XX/XXXX, one of the letters was mailed and the other was emailed as stated the forged and fraudulent documents were emailed and at that point and time that certain letter contained a forwarded date as if the date was XX/XX/XXXX, when the date was XX/XX/XXXX, The first letter that she sent was a threat that stated XXXX AND IF SUCH TIME THE COURT DEEMS THIS LOAN TO BE INVALID SLS WILL CONTINUE TO SERVICE IT BY ITS CONTRACTUAL OBLIGATION TO THE INVESTOR AND APPLICABLE LAW> The threating paragraph suggest for the claimants to file a lawsuit. When in fact SLS have NOT ANSWERED TO THE QWR THE CLAIMANTS REQUEST PROOF ON HOW PAYMENTS WERE MADE BY SLS FOR INSURANCE AND TAXES AND PURPORTED MORTGAGE. PROOF OF PAYMENTS AND NOT ON A WORD DOCUMENT WITHOUT A HEADER. PROOF OF CHECKS FROM A BANK AND REQUEST FOR ALL PROOF OF PAYMENTS Furthermore, those certain letters containing the same date XX/XX/XXXX, XXXX XXXX removed that certain paragraph above from the other letter containing the same date. More likely than Not XXXX redacted and forged the Modification Agreements and forged the notes when in fact there wasnt a note in the first batch of forged and fraudulent modification documents that were mailed instead of the claimants request for a true and correct payoff statement. The claimants received another batch of the forged and redacted batch of modification documents that XXXX with a purported ID XXXX has added the fourth batch with a XXXX page letter somewhat of the same as the XX/XX/XXXX, letters and wrongfully and illegally entered and included letters that werent in the other batches of documents that was previously sent such as dated letter XX/XX/XXXX, and stated that the claimants sent again another letter on XX/XX/XXXX, the claimants did not send a letter regarding property preservation activity on XX/XX/XXXX, XXXX did NOT send a letter dated XXXX XXXX, stated the letter is in response to an inquiry forwarded to XXXX XXXX XXXX XXXX on XX/XX/XXXX, claim XXXX XXXX XXXX XXXX emailed SLS but not include the letter or any information regarding such Bank but claim the XXXX XXXX XXXX XXXX is the investor without any proof to back up their illegitimate and downright illegal claims. The claimants can not preserve a purported property THAT IS CONTAMINATED AND OWNED BY THE CITY THAT THE SERVICER IS THE VENDOR. CONFLICT OF INTEREST. 
THIS INFORMATION WAS CONCEALED. 
FURTHERMORE, THE B/K HAS NOTHING TO DO WITH SLS OR THE CONTAMINATED PURPORTED PARCEL, PERIOD XXXX STOP. BUT XXXX XXXX BANKRUPTCY DOES SINCE HE CLAIMED NO ASSETS BUT HE LIVED IN THE BUILDING IN XXXX AND CLAIMED HE OWNED THE PRPORTED UNIT. 
XXXX XXXX and XXXX XXXX are entitled to compensation. Specialized Loan Servicing demanded payments from XXXX XXXX and XXXX XXXX that wasnt Specialized Loan Servicing were to receive and PAID as purported Mortgage payments for XXXX, years. 


XXXX XXXX by and through the purported servicer Specialized Loan Servicing AKA Newrez AKA Shellpoint agent aided and abetted in an orchestrated a planned systematic scheme with intent to corrupt and embezzle and damaged the claimants credit, and committed TAX FRAUD and gained illegal access into the Credit Bureaus XXXX XXXX XXXX, and placed the purported XXXX on XXXX XXXX XXXX XXXX as XXXX XXXX XXXX  XXXX with a date of XXXX which shows XXXX XXXX XXXX XXXX {$00000.00} achieved thXXXX illegal act and FORGED the claimants names on what purports to be two or three Modification Agreements with two different years XXXX, and XXXX, XXXX XXXX of fact agents for the purported servicer Specialize Loan Serving knew and should have known a purported borrow CAN NOT OBTAIN TWO MODIFICATIONS, and specifically when a purported borrower did not have any knowledge of the transaction and were never served with such documents until after XXXX XXXX and XXXX XXXX made a request for a payoff statement General Material Fact shows the agent that sent the papers named XXXX conjured-up fraudulent modification papers in a scheme to commit continuous payments acting under a forged deed of trust that will be rebutted and as if a loans were obtained with Specialized Loan Servicing.The Deed of Trust XXXX XXXX and fraudulent void on its face. For. an assignment, to be effective, must include manifestation to another person by the owner of his or her intention to transfer the right, without further action, to such other person or to a third person. [ Citation omitted. ] It is the substance and not the form of a transaction which determines whether an assignment was intended. For your information a Loan number can not be the same as an account number SPECIALIZED LOAN SERVICING AKA NEWREZ AKA SHELLPOINT VIOLATION XXXX VIOLATION. XXXX. XXXX. CODE XXXX  payoff statement Reflect that the template was appropriate for either VA or conventional loans. However, neither of the two payoff statements had the two words separated as SLS claim. 
The payoff statements clearly state XXXX the papers do NOT state VA or XXXX as the agent XXXX intentionally stated. On both the improper XX/XX/XXXX, letters. However, the only loan an individual can obtain period FULL STOP ARE THE FOLLOWING : FHA or VA or USDA or CONVENTIONAL. 

NOT A XXXX a XXXX of XXXX. See ( RESPA ) ( XXXX XXXX. XXXX et seq. 
The purported subdivision parcels are NOT Single-Family Residential and DISCOVERED are NOT Real Property. Specialized Loan Servicing and agents did not investigate before they demanded payments as a servicer. The SLS agent XXXX stated the purported servicer agents purportedly called the tax assessors office, WHEN? WHO KNOWS? Due to the claimants diligence and immediate investigation from the complaint SLS caused the filing the XXXX complaint against SLS. The purported agent XXXX emailed a back-dated letter dated XX/XX/XXXX, that mirrored the other letter that she mailed sent through the back-door for SLS dated with the same date that mirrored each other with the same date XX/XX/XXXX, that we received on XX/XX/XXXX, XXXX stated that they werent late in making the tax payments for the purported parcel. XXXX and XXXX attached proof of General Material Facts show delinquencies were caused by Specialized Loan Servicing that did not make timely payments for the Taxes the claimants are entitled to a refund. 
SPECIALIZED LOAN SERVICING WERE THE ONLY PARTY THAT RECEIVED THE TAX STATEMENTS. AND DID NOT HAVE PERMISSION TO RECEIVE THE TAX STATEMENTS. BUT JUST MAILED THE TAX STATEMENT DATED XX/XX/XXXX, TO THE CLAIMANTS, WHICH IS AN INCORRECT BILL. SPECIALIZED LOAN SERVICING AKA NEWREZ, AKA SHELLPOINT MUST PAY THE TAX BILL {$21000.00} SPECIFICALLY THERES OVER A XXXX XXXX DOLLARS WIRE TRANSFER FOR THE PURPORTED PARCEL WITH SPECIALIZED LOAN SERVICING NAME ON THAT CERTAIN WIRE TRANSFER. 
WE ARE PROTESTING AGAINST THOSE TAXES AND THE CLASSIFICATION OF THE PURPORTED PROPERTY. AND CLAIMS HAVE BEEN FILED AND INVESTIGATIONS ARE REPORTED AND FILED IN THIS MATTER. 
Specialized Loan Servicing Tax papers we caused to pull and print.from SLS online website public portal indicates taxes for the purported parcel XXXX were late. And we were charged interest without our knowledge. 

All the payments that were paid as purported Mortgage payments were NOT credited to the purported property. We were caused to discover the purported statements on SLS online website that we pulled and printed from the public website. The purported mortgage statements indicate the payments have a minus sign for every month. We noticed the subsections with the minus sign on the statements that we were never sent, that indicate payments were paid but not applied. transferees must have policies and procedures reasonably designed to ensure, in connection with a servicing transfer. 
XXXX XXXX XXXX  XXXX XXXX has a wire transfer for the purported Parcel XXXX in the large amount as if Specialized Loan Servicing transmitted the wire transfer for the parcel. See attached in support of the letter. 
Loan Information and Documents to be Transferred or Received. Regulation X requires XXXXXXXX XXXX to maintain policies and procedures that are reasonably designed to achieve the objectives of timely transferring all information and documents in the possession or control of the servicer relating to a transferred mortgage loan to a transferee servicer in a form and manner that : must ensure the accuracy of the information and documents transferred, and A transferee servicer must comply with the terms of the transferee servicers obligations to the owner or assignee of the mortgage loan and applicable XXXX Use of a uniform data standard like the XXXX XXXX XXXX XXXX XXXX XXXX ( MISMO ) XXXX CFR XXXX ( c ) ( XXXX ) ( i-v ). XXXX XXXX CFR XXXX ( c ) ( XXXX ). XXXX XXXX CFR XXXX ( b ) ( XXXX ) ( i ). 
The taxes state as follows : LENDER Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX WHAT PURPORTS TO BE TWO DIFFERENT ENTITIES SPECIALIZED LOAN SERVICING AND XXXX XXXX XXXX. THEORY THE CITY CONJURED-UP TAXES FOR THE SAME YEAR XXXX. AND ILLEGALLY FORGED THE CLAIMANTS NAMES ON THE TAXES. 
To date the claimants received another back-dated letter of what purports to be dated XX/XX/XXXX, received on XX/XX/XXXX, herein are the claimants response and again responding to the harassing letters that contain the same inaccurate demand for money of which we DO NOT OWE and which you must prove the purported debt of which you have NOT and can not be proven because the claimants XXXX XXXX XXXX XXXX XXXX XXXX not owe any money to Specialized Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX holdings XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Newrez LLC XXXX Newrez XXXX Shellpoint Mortgage Servicing, or Shellpoint. 
Furthermore, XXXX XXXX XXXX XXXX Newrez XXXX Shellpoint Mortgage Servicing, AKA SHELLPOINT. Theres no mention of XXXX XXXX or XXXX XXXX XXXX in any of the letters that are all back-dated without any date-stamps. 
Specialized LOAN Servicing AKA Newrez AKA Shellpoint is and was required to obtain a license with XXXX before the purported date of XX/XX/XXXX, of the apparent recorded FORGED assignment. The document barring XXXX XXXX and XXXX XXXX names that XXXX with intent to commit FRAUD that she placed on the document by FORGERY. That states XXXX # XXXX shows INACTIVE. 
XXXX XXXX XXXX misled XXXX and XXXX the servicer violations of applicable laws and regulations have a material effect on XXXX XXXX For whole loans acquired on or after XX/XX/XXXX, and for loans delivered into XXXX with pool issue dates on and after XX/XX/XXXX. XXXX XXXX XXXXonsiders the following to be significant defects and may require a repurchase for a breach of the seller Aka the city of XXXX XXXX AKA XXXX XXXX XXXX XXXX XXXX and warranty regarding compliance with laws when : servicers failure to comply could be expected to either impair XXXX XXXX XXXX its servicers inability to enforce any such forged notes or liability on XXXX XXXX  XXXX A reviewing COURT shall hold unlawful practices to be arbitrary, capricious an abuse of discretion a loan to be in violation, or has made a finding based on the facts available to it that a violation occurred. The violation involve : laws administered, or regulations implemented by the XXXXt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ; the Fair Housing Act or related regulations ; the anti-discrimination provisions of the Equal Credit Opportunity Act or related regulations ; federal or state prohibitions on unfair, deceptive, or abusive acts or practices ( UDAAP ) ; or the XXXX  XXXX XXXX of XXXX or regulations thereunder. 
In addition, the claimants noticed SLS was not the entity that recorded the assignment but was apparently VISIONET AN OUT OF STATE ENTITY VIOLATION SECTION XXXX - SUBSTITUTION OF TRUSTEE UNDER TRUST DEED : Specialized Loan Servicing and agent for the purported servicer Violation B ) None of the XXXX is a licensed real estate broker or an affiliate of the broker that is the issuer or servicer of the obligation secured by the purported deed of trust. The servicer purports to be Specialized Loan Serving AKA Newrez DBA Shellpoint Mortgage Servicing, AKA SHELLPOINT are affiliates of the issuer and the issuer of the purported assignment is the city of  XXXX and Shellpoint Mortgage Servicing is the Vendor for the city of XXXX and not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as XXXX claim in their XXXX XX/XX/XXXX, letters which XXXX of the letters were sent through their back-door not adhering to the requirements of the XXXX XXXX XXXX XXXX XXXX CFPB ) XXXX XXXX FACT PROVES A CONFLICT OF INTEREST. 

Specialized Loan Servicing and agents individually benefited for XXXX  years from paid payments that were paid that werent theirs to receive that were paid as purported Mortgage payments to SLS and were acting as XXXX XXXX XXXX XXXX XXXX The Agents and others acted in a systematic scheme to deceive with intent to defraud. SLS, agents presently conjured-up documents and FORGED XXXX XXXX and XXXX XXXX XXXX XXXX what apparently are Modification Agreements that are several packets such as the following : XX/XX/XXXX, XXXX am ( LM ) XXXX XXXX XXXX. XXXX XXXX by XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX pages and at the top of the page states XXXX pages. The claimants visited the Title company XXXX at the title company confirmed XXXX XXXX and XXXX XXXX DID NOT SIGN the modification paper. 
XXXX  XXXX [ XXXX id ] XXXX ( A ) Security Instrument means this document, which is dated XX/XX/XXXX, together with all Riders to this document ( B ) is XXXX XXXX XXXX AN UNMARRIED WON=MAN AND XXXX XXXX, XXXX XXXX WOMAN AS JOINT TENANTS. 
XXXX  Single Family- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Page XXXX XXXX VMP XXXX ( CA ) ( XXXX ) ______CHL ( XX/XX/XXXX XXXX Doc # XXXX This illegal Act indicates more wrongful documents were added which were not numbered. Such as the Forged acknowledgment which will be VOID.. SLS and agents claim XXXX XXXX XXXX was the lender organized under the laws of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and claim XXXX is a Mortgage Electronic XXXX XXXX XXXX acting XXXX XXXX XXXX XXXX for Lender and lender successors and assigns XXXX as beneficiary under this Security Instrument XXXX and that XXXX IS organized and existing under the laws of XXXX  and states the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and claim a NOTE was signed by Borrower dated XX/XX/XXXX, and claim XXXX borrower owes Lender {$250000.00} plus interest and claim a promise to pay was purportedly made. 
First of all, the building has XXXX purported parcels and not XXXX units, a servicer can not service a building with XXXX purported units. 
Second XXXX XXXX last name is NOT CONE, and the names were forged which is why it took SLS agents months in order to send a response which it was no response at all. The agent for SLS wrote a letter needing more time to conjured-up forged modifications agreements with a FORGED NOT. 


ThE FOLLOWING ARE CONTINUED VIOLATION SPECIALIZED LOAN SERVICING : ThE Assignment was never mailed before the request for a payoff statement. 
The assignment is apparently dated XX/XX/XXXX XXXX. SERVICING OF MORTGAGE LOANS AND ADMINISTRATION OF ESCROW ACCOUNTS : ( A ) make appropriate corrections in the account of the borrower, including the crediting of any late charges or penalties, and transmit to the borrower a written notification of such correction ( which shall include the name and telephone number of a representative of the servicer who can provide assistance to the borrower ). 
( i ) HEREIN DIRECT FACT SPECIALIZED LOAN SERVICING WERE REQUIRED TO CONDUCT AN INVESTIGATION, AND WERE TO PROVIDE The BORROWER With A WRITTEN EXPLANATION OR CLARIFICATION THAT DOESNT REQUIRE AN AFFIDAVIT. 
( ii ) to the extent applicable, a statement of the reasons for which the servicer believes the account of the borrower is correct as determined by the servicer. 
( iii ) the name and telephone number of an individual employed by, or the office or department of, the servicer who can provide assistance to the borrower ( C ) SPECIALIZED LOAN SERVICING AND AGENTS ARE AND WERE REQUIRED after conducting an investigation, provide the borrower with a written explanation or clarification that includes. ( i ) information requested by the borrower or an explanation of why the information requested is unavailable or can not be obtained by the servicer; and ( ii ) the name and telephone number of an individual employed by, or the office or department of, the servicer who can provide assistance to the borrower. ( XXXX ) SPECIALIZED LOAN SERVICING AND AGENTS AND MUST Protect the claimants credit rating. ( XXXX ) Limited extension of response time ( f ) Damages and costs Whoever fails to comply with any provision of this section shall be liable to the borrower for each such failure in the following amounts : ( XXXX ) Individuals In the case of any action by an individual, an amount equal to the sum of {$2000.00} per violation. ( A ) any actual damage to the borrower as a result of the failure; and ( B ) any additional damages, as the court may allow, in the case of a pattern or practice of noncompliance with the requirements of this section, in an amount not to exceed {$2000.00}. 
( A ) DISCLOSURE TO APPLICANT RELATING TO ASSIGNMENT, SALE, OR TRANSFER OF LOAN SERVICING ( b ) Notice by transferor of loan servicing at time of transfer ( XXXX ) Notice requirement ( XXXX ) Time of notice ( A ) In general ( B ) Exception for certain proceedings. The notice required under paragraph ( XXXX ) shall be made to the borrower not more than XXXX  days after the effective date of assignment, sale, or transfer of the servicing of the mortgage loan. 
Counterfeit documents and two notes, which were Forged, after the purported servicers agents seeing that XXXX and XXXX filed a complaint with CFPB on XX/XX/XXXX, complaint stated Specialized Loan Servicing agent XXXX did not have a note with the forged deed of trust with the first packet of forged modification Agreement. 
Specialized Loan Servicing agent XXXX emailed a second batch of FORGED modification agreements through a back door terminal acting as if she answered the claimants complaint with the CFPB which was a different batch of forged Modification Agreements than the first batch that was mailed in the first instance. 
The second forged batch of Modification Agreements Specialized Loan Servicing agent XXXX but this time she included a FORGED NOTE instead of the claimants request for a true and correct payoff statement in the first instant. The payoff statement contains incorrect and misleading and conflicted information that confusing such as XXXX LOAN which as anyone know theres NO LOAN THAT CONTAINS A XXXX  LOAN XXXX THE SAME TIME. The paper contains an incorrect amount {$250000.00}. And incorrect origination date which should be no origination date because the transaction was a SHAM TRANSACTION. 
If Specialized would have investigated before as required they would know the claimants exercised due diligence and discovered the mortgage papers XXXX signed on XX/XX/XXXX, never were recorded by the purported seller as he stated to the claimants which they detrimentally relied on the fraudulent reliance, and he gave no reason for the claimants not to rely on the fraudulent reliance that he would be the only individual to record the mortgage papers being he was the president of the purported HOA. The claimants exercised due diligence and discovered there was never an HOA, of which they were also, demanded to pay. 
The purported amount on the erroneous payoff statement is more than the purported unit was ever even worth in a blighted area, with only two bedrooms that consist of a small XXXX sq. ft without any of the required amenities. There is no facility or pool, no basketball area, no volleyball area, no SPA. THE XXXX ILLEGALLY CONTAMINATED WITH A CESSPOOL AND ARE UNINSURED WITHOUT ANY FRONT GATE NO SECURITY AND DOESNT HAVE AN OFFICE OR AMENTIES are required according to the XXXX Title XXXX Zoning Chapter XXXX Planned Residential Development attached ( PRD-A ) district. Which illegally describes the building just as XXXX XXXX XXXX XXXX have wrongfully described the building as only contain XXXX XXXX XXXX. The building CONTAINS XXXX ILLEGALLY BUILT PURPORTED PARCELS and are not built on the CHURCH GROUNDS. And again, according to the XXXX TABLE XXXX PRD-A Requirement XXXX site Area XXXX Maximum Density XXXX Dus/ acre which indicates there can only contain XXXX units on an acre. 
The land is not an acre. 

The building is intentionally wrongfully and illegally published on XXXX XXXX XXXX report. The property information system [ XXXX as XXXX XXXX XXXX ] Units [ XXXX XXXX and treated as if the building was built on the Church XXXX The purported parcels are just next to the XXXX. This illegal Act is published for the city agents, the servicer, XXXX and its agents kickback are being individually being committed acting as Specialized Loan XXXX XXXX Newrez XXXX XXXX Mortgage Servicing which is the citys purported vendor. And for reasons the name purported to be changed to Newrez aka XXXX XXXX AKA the city of XXXX. In order for the city to claim the building as EXEMPT which is erroneously published XXXX XXXX and published as if the building of the illegally built CONTAMINATED parcels were constructed on the church grounds. In fact, the city is just a XXXX and legally should be claimed as nonprofit [ NOT ] XXXX. 
The forged purported payoff statement is NOT signed and doesnt contain XXXX XXXX XXXX evidence of direct fact the payoff statement is erroneous and must be XXXX. XXXX Mortgage servicing transfers. XXXX XXXX. Except as provided in paragraph ( B ) ( XXXX ) OF THIS SECTION, EACH TRANSFEROR SERVICER AND TRANSFEREE SERVICER OF ANY MORTGAGE LOAN SHALL PROVIDE TO THE BORROWER A NOTICE OF TRANSFER FOR ANY ASSIGNMENT, sale, or transfer of the servicing of the mortgage loan. And again, was never mailed when it was apparently recorded dated XX/XX/XXXX, THE CLAIMANTS EXERCISED DUE DILIGENCE AND DISCOVERED THE ASSIGNMENT APPARENTLY WAS NOT RECORDED IN THE YEAR XXXX BUT WAS RECORDED IN THE YEAR XXXX. GENERAL TRANSFER-RELATED POLICIES AND PROCEDURESIN ITS SUPERVISORY EXAMINATIONS, THE BUREAU REVIEWS MORTGAGE SERVICERS FOR COMPLIANCE WITH REGULATION X SERVICING TRANSFER REQUIREMENTS, WHICH AMONG OTHER THINGS, REQUIRE SERVICERS TO MAINTAIN CERTAIN POLICIES AND PROCEDURES RELATED TO FACILITATING THE TRANSFER OF INFORMATION During mortgage servicing transfers.XXXX  Specifically, Regulation X requires XXXXXXXX XXXX  to maintain policies and procedures that are reasonably designed to achieve the objective of the timely transfer of all information and documents in the possession or control of the servicer relating to a transferred mortgage loan to a transferee servicer in a form and manner that ensures the accuracy of the information and documents transferred and that enables a transferee servicer to comply with the terms of the transferee servicers obligations to the owner or assignee of the mortgage loan and applicable law. 
The second forged batch of modification agreements were emailed through a backdoor purports to be XX/XX/XXXX, Specialized Loan Servicing, and agents contend they were transformed to NEWREZ DBA SHELLPOINT MORTGAGE SERVICING which that statement is without properly mailing sufficient information under Penalty of Perjury without an acknowledgment signed by a licensed a notary of documentation with a date of the purported transformation or any signed documentation under penalty and perjury evidencing NEWREZ AKA SHELLPOINT is the servicer of the purported loan. SLS doesnt state who originated such loan or a true or correct name of a bank who purportedly financed the unknown loan they are claiming. 
Further, the claimants signed mortgage papers on XX/XX/XXXX, and was NOT on the date Specialized Loan Servicing and its agent and XXXX claim XX/XX/XXXX, XXXX XXXX filled out mortgage papers on XX/XX/XXXX, and relied on the purported seller who stated he was an agent and owned the unit and stated it was real property and a townhouse and increased the listing price from {$110000.00} to XXXX we were defrauded and deceived and detrimentally relied in XXXX XXXX Fraudulent reliance the claimants were told and sold a FALSE DREAM OF HOMEOWNERSHIP and saw that they wanted to purchase a Single Family Residential property only loan that XXXX and XXXX had and the loan was a downpayment of {$7000.00} PAID IN FULL on XX/XX/XXXX, and the remaining Balance {$110000.00} PAID OFF IN FULL XXXX,. See documentation the FHA LOAN PAID OFF IN FULL. THE LETTER ALSO STATES THERE WAS NEVER A MODIFICATION TO WHICH WE RELATED THE INFORMATION MANY. Specialized Loan ServicinXXXX and their agents many times over. A purported Servicer can not foreclose under a FORGED DEED OF TRUST AND A FORGED ASSIGNMENT THAT A PURPORTED BORROWER NEVER HAD ANY KNOWLEDGE OF AN ASSIGNMENT OR A FORGED DEED WAS APPARENTLY RECORDED ALONG WITH XXXX FORGED DEEDS OF TRUST IN XXXX XXXX and XXXX XXXX name. an action under XXXX XXXX section XXXX to cancel " a wholly void instrument can be brought at any time, '' i.e., is not subject to any statute of limitations. 
Specialized Loan Servicing, XXXX XXXX XXXX XXXX, AKA XXXX XXXX XXXX for what you state you SOON will be transformed the letter doesnt contain a date of Transformation which again back-dated XX/XX/XXXX, which we received the improper letter Specialized Loan Servicing did not and doesnt possess a DBA as Newrez. XXXX must be made with transparency describing an individuals name. You also state that you tried to contact XXXX XXXX and XXXX XXXX as you know that is a FLAT-OUT LIE. 
XXXX XXXX XXXX and the purported agents have commenced continuous harassment. upon the claimants. Specialized Loan Servicing AKA XXXX XXXX XXXX XXXX XXXX XXXX AKA Newrez DBA Shellpoint Mortgage AKA Shellpoint Mortgage Servicing AKA Shellpoint The name was illegally existing without a license. And doesnt have a DBA XXXX The claimants are aware of who the UNLICENSE SHELL COMPANIES are the city and its agents, concealed tier of fact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AKA XXXX XXXX XXXX AKA XXXX XXXX are the city of XXXX vendor in XXXX, CA. which we discovered you really are the city and not all the impersonated names that you falsely claim. The purported loan Modification documents that you have mailed improperly and as you are aware they are FORGED and much to add the documents are Fraudulent Documents. We did NOT sign any modification documents or that you erroneously included with a purported Rider with XXXX pages when in fact the paper states XXXX pages which means that you added pages with a purported false originator date, under a FORGED deed of trust a purported loan must be a XXXX XXXX under a Modification and must be the original originator as a purported lender, you mailed multiple and FRAUDULENT batches that you redacted and manipulated for your own benefit and were improperly mailed. The Documents are not XXXX XXXX or XXXX XXXX, and the XXXX payoff Statements are Counterfeit the XXXX NOTES are forged and this conduct is blatant, CORRUPTION was erroneously mailed by your purported office and are not signed which doesnt contain XXXX XXXX XXXX. 
AT NO TIME HAVE WE EVER SIGNED OUR NAME TO ANY OF YOUR FRAUDULENT MODIFICATION AGREEMENTS. And we never obtained a loan from SPECIALIZED LOAN SERVICING, an

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