Consumer complaint received 2025-09-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
-Summary -- I am filing this complaint regarding a fraudulent payoff and mishandling of my VA-backed home loan, which directly violated my federal protections under 38 U.S.C.5301, RESPA, HUD regulations XXXX and related consumer protection laws. My loan servicers, including Planet Home Lending and XXXX XXXX, unlawfully stripped over $ XXXX in equity, failed to provide notice or proper disclosures, and disregarded my VA XXXX protections. These actions caused severe financial, emotional, and personal harm, while multiple agencies and courts have been provided with my XXXX, VA award letter, and deed documents but failed to stop the fraud. Please see attachments ) for further details.Real Estate Fraud Narrdtive Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I. Overview This complaint concerns a fraudulent mortgage payoff finalized on XX/XX/XXXX by Planet Home Lending and XXXX XXXX, despite my written Cease & Desist notice of XX/XX/XXXX sent via certified mail. 
The payoff was completed only 21 days later, facilitated by XXXX XXXX XXXX ( XXXX XXXX ) aod her attorney, XXXX XXXX ( XXXX ), who knowingly advanced fraudulent legal documents to induce lender/escrow action. The payoff relied on state court orders that were themselves fraudulent, having misclassified me as " retired '' military in direct conflict with federal XXXX and documented evidence of my XXXX status. 
I (. Chronology of Events XX/XX/XXXX - Cease & Desist letter served on Planet Home Lending and XXXX XXXX. via certified mail ( Exhibits A & B ). Letter expressly warned of fraud, federal protections under 38 U.S.C. 5301, and XXXX XXXX XXXX to proceed. 
XX/XX/XXXX - Payoff finalized despite certified notice ( Exhibit C ). Escrow closed based on fraudulent representations advanced by XXXX XXXX XXXX 
XXXX XXXX -Attempts to raise issue directly with lender/servicer ignored. 
XX/XX/XXXX - CFPB Complaint filed ( ID XXXX ) against Planet Home Lending. Timeline summary provided ( Exhibit D ). 
XXXX. Roles of Suspects I. Planet Home Lending/ XXXXXXXX XXXX Proceeded with payoff despite written notice of fraud. 
Violated RESP A ( 12 U.S.C. 2605 ) by failing to properly respond to a qualified written request.

Acted in bad faith, enabling fraudulent transfer. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX ) Beneficiary of payoff proceeds. 
Knew of my objections yet leveraged fraudulent orders to block my federal protections. 
Actively participated in fraudulent transfer of federally protected equity.3. Attorney XXXX XXXX ( fB ) Counsel for XXXX XXXX. 
Advanced fraudulent court orders procured through misrepresentation of my status. 
Ignored my certified Cease & Desist.

Actively facilitated payoff despite having knowledge of the fraud.

lV. Fraudulent Court Orders Respondents may argue the payoff was " authorized '' by state court orders. That claim fails because the orders thcmsel ves were fraudulent and void ab initio : Exhibit E - Statement of Decision ( SoD, XX/XX/XXXX ) : Misclassified me as " retired military, '' unlawfully treating VA disability benefit~ as divisible property. 
Exhibit F - XXXX & VA Award Letter : Irrefutable proof I am not retired and am a I XXXX XXXX XXXXXXXX veteran with benefits protected under 38 U.S.C. 5301. 
Exhibit G - Senator 's Letter : Confirms even Congress placed agencies on notice of this fraud ; SSA was contacted yet no correction occurred.

A fraudulent order can not legalize a fraudulent transaction. Escrow and lenders were placed on notice, yet they acted anyway.

V. Legal Issues I. Frnudulent Real Esune Transaction -payoff executed after written objection, leveraging tainted orders and misstatements.

2. Fraudulent Transfer of Interest XXXX XXXX received interest without lawful basis, supported by XXXX XXXX XXXX misrepresentations. 
3. RESP A Violations ( 12 U.S.C. 2605 ) -Servicers ignored a qualified written request.

4. Bad Faith Servicing & Deceptive Practices - XXXX and XXXX deliberately disregarded federal protections. 
XXXX. Interference with Federal Bene.fits ( 38 U.S.C. 5301 ) -VA benefits and equity unlawfully converted. 
6. Use of Fraudulent Orders-Payoffba~ed on court rulings later shown to be fraudulent, violating both California law and federal supremacy.

VI. Witnesses & Evidence Escrow Officer ( s ) : Can confirm payoff pushed despite my certified objections.

Servicer Staff : Records will show receipt of my XXXX & XXXX. 
Attorney XXXX : Filings and communications demonstrate reliance on false orders. 
Certified Mail Receipts & Exhibits : Prove notice was given and i & 'llored.

CFPB Complaint & Response : Adds federal oversight record. 
SoD, XXXX, VA Letter , Senator 's Letter : Prove payoff was based on fraudulent legal foundation and deliberate disregard of federal protections.vn. Relief Requested I request that the XXXX XXXX District Attorney 's XXXX XXXX XXXX XXXX : I. Open a criminal investigation into Planet Home Lending, XXXX XXXX, XXXX XXXX, and Attorney XXXX XXXX. 
2. Subpoena escrow and servicing records from XX/XX/XXXX to determine how payoff was authorized despite my written Cease & Desist.

3. Evaluate charges under Penal Code 115 ( false instruments ), 487 ( grand theft ), 484 ( fi-aud ), and related statutes.

4. Provide a case number or written explanation if prosecution is declined.

XXXX  Declaration I am prepared to testify and provide additional documentation. I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. 
Respectfully submitted,

Company response to consumer: Closed with explanation