Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Notice of Default and Election to sell under deed of trust was recorded to my property XX/XX/XXXX. Contacted the collection company went back and forth that I did not own this debt and the transaction that occured to my Deed of Trust was backed Mortgage sucrity fraud which has been recorded to my deed of trust on XX/XX/XXXX. Collection company refused to listen to me and I had to file BK XXXX  XXXX to resolve the matter on XX/XX/XXXX. The matter is now under the XXXX  XXXX and Trustee and Collection Company working together and refusing to cooperate to abandon the Lien and forcing myself to sell home due to a transaction that I never did. I have managed to get all the evidence that I can gather after investigation the transaction on XX/XX/XXXX. With the assistance of my XXXX XXXX XXXX I have gathered all the funding documents to show proof as well as the Fraud dislosures on both Liens that are fraud. Trustee us not willing to cooperate after pleading with him that I never did no such transaction and I was not aware of any of the liens to my property up until XX/XX/XXXX which was my discovery date. 
Trustee and collection company is not cooperating and Iam on fixed social security income XXXX and Iam under threat of loosing my home. 

Here is the description of the fraud Discovery of the Hud and third transaction by XXXX was made on XX/XX/XXXX - Email Proof with XXXX XXXX of funding of the loan docs XX/XX/XXXX after she requested doing her own research thru her XXXX XXXX XXXX XXXX XXXX. 

Dear XXXX Exhibit A- This is the certificate of wire transfer information on the Bogus Loan. Per Real Time contract states she recieved line of credit to her account giving her access to spend. How was this possible since they did not fill out her bank account information Escrow agent certification bottom information on page not filled out by Home Comings as well as the date for the reviewed part. Red flag. 

Exhibit B. Per Specific closing instructions, Hud 1 settlement statement and loan escrow instructions XXXX is supposed to receive XXXX after closing. where did these funds go? She never received a check as they outlined on amendment to escrow instruction transfer of all net proceeds? Exhibit B shows transfer blank with just her signature with no specific details of the funds left over from the transaction or how she received it. 
in addition exhibit c shows that XXXX signed letter for the remaining proceeds to go to her escrow account to cover her Taxes and insurance impound account on her new loan for the amount of XXXX. This is not true because her new loan has no impounds or escrow account. See hud1 and specific closing instructions per contract no impounds. This letter is 100 % manufactured. Proof not one single XXXX went to her pocket. Red Flag Exhibit D- Per Specific closing instructions Loan closing instructions top right it says refinance with no cash out. Contradicts Real Time Resolutions contract agreement that XXXX had open line of credit for XXXX which is a cash out transaction. Per Closing contract agrrement and Real Time Resolutions contract they both contradict one another. 
Page 2 of exhibit D also reflects that the Heloc to close concurrent with hfn loan # XXXX. In our Line of work the Deed of trust should have been recorded with 2 seperate loan # s as they are 2 differrent seperate mortgage Notes. The Final Hud 1 which closed on XX/XX/XXXX only has one loan # with 2 liens that closed concurrent with one another. 
. Since this is concurrent the paralegal which filed the Bk on XXXX was correct with the Schedule A to show one lien and Schedule D to show 2 Liens with # s XXXX which covers both loans as they were concurrent Per Final Hud 1 settlement statement and Mortgage Notes that was signed and recorded on XX/XX/XXXX. The Court records were filed correct. 


Exhibit E. application date for the XXXX is XX/XX/XXXX. Real Time ResolutionsXXXX application date is XX/XX/XXXX. Two different dates which does not match. Exhibit E also states no cash out however Real Time Resolutions contract agreement states they loaned XXXX XXXX line of credit to spend given her open access to funds plus credit card. Contradicts of what Real Time Resolutions contract agreement is saying. Exhibit H Discovery of New Loan Transaction that was made and XXXX discovered this XX/XX/XXXX. See pdf email commuications between XXXX and XXXX XXXX XXXX. 
Per XXXX They had no funding record on file and that they handled lenders title policy plus recording but no funding. This was not true because per Escrow Funding instruction loan was funded thru XXXX.. Per confersation with XXXX at XXXX. Upon the discovery of the loan for XX/XX/XXXX. It was also noted that XXXX XXXX XXXX  ordered the title on the property. Why this is highly important and severly relevant is that per XXXX loan application who ever originates the transaction only has permission to order title to record the new deed of trusts. XXXX XXXX XXXX  per escrow has nothing to do with this loan transaction why they would order the title to my home property per XXXX thru XXXX is red flag which tells me they did the transaction and falsified all records. The truth in lending states the facts. The last transaction I applied for XXXX per truth in lending is XXXX so why would I close this loan amount first thru escrow on XX/XX/XXXX and apply for XXXX and XXXX on XX/XX/XXXX month before with same broker prior to my original loan closing which closed on XX/XX/XXXX. It makes no sense because it is 100 % bogus loan mortgage back security fraud using my name social and property. 
Thank You XXXX

Company response to consumer: Closed with explanation