Aldridge Pite, LLP

2016-07-25

Foothill Ranch, CA

Taking/threatening an illegal action

Debt collection: I do not know

Seized/Attempted to seize property
Complaint: I was in receipt of a letter dated XX/XX/2016 signed by XXXX who works for Clear Recon Corp. This letter of debt and documents attached are disputed in its entirety. I am working with a single point of contact from XXXX who is XXXX. The Home owner bill of rights statute of conditions precedent are still pending. I have attached a letter that will be sent to XXXX who works for Clear Recon Corp. This is to stop all collections Pursuant to FDCPA 15 USC 1692c to cease communication with consumer and any further attempts to collect a disputed debt that Clear Recon Corp. alleges.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-07-20

Greenwood, CA

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt resulted from identity theft
Complaint: Clear Recon Corp., as the supposed duly appointed Trustee for Deed of Trust recorded XXXX/XXXX/XXXX in Book XXXX, Page XXXX of the Official Records XXXX, is trying to foreclose based upon loan modification documents that were forged by XXXX XXXX Bank whose primary objective has been to force all XXXX Pick-a-Payment loan borrowers into foreclosure since at least XXXX. The XXXX XXXX XXXX 's office has no records of any transfers or re-assignments of either the original Beneficiary or Trustee. The Beneficiary that is still in place is XXXX XXXX Bank. The Trustee still in place is XXXX. I have checked with XXXX, XXXX XXXX and XXXX for the current ownership of the loan being foreclosed upon. XXXX and XXXX XXXX both deny ownership via their online verification system. XXXX also has no record of this loan onn it 's online database. Clear Recon Corp. and XXXX XXXX will not produce documents verifying the current legal Beneficiary or Trustee when requested. Clear Recon Corp. will not respond at all, other than to send multiple copies of the Notice of Trustee Sale with an updated sale date.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-07-08

Moapa, NV

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-07-05

Atlanta, GA

Taking/threatening an illegal action

Debt collection: Mortgage

Seized/Attempted to seize property
Complaint: 1 This COMPLAINT is a demand for a cease and desist of continuous attempts and efforts to exercise a sale under power of our property where there is no present legal right to do so. Alridge Pite LLP aka XXXX XXXX XXXX, are violating the state of Georgia statute and the Fair Debt Collection Practice Act and The Fair Credit Reporting Act. This cease and desist demand is based upon the following Violations : Pursuant to FDCPA 15 U.S. Code XX/XX/XXXXe - False or misleading representations and Pursuant to The Fair Credit Reporting Act. 2. Whereas, You have personal knowledge that, Alridge Pite LLP aka XXXX XXXX XXXX, has committed XXXX civil and criminal offences. 3. Whereas, an attorney with your firm created and caused to be recorded in the borrowers property records of XXXX XXXX Georgia XXXX separate sworn affidavit testifying under oath to a set of facts to which the affiant did not, and could not have personal knowledge of because the affiant/attorney was not present at the purported loan closing on XX/XX/XXXX. It is an unlawful act for the foreclosing law firm, who happens to be a debt collector for the alleged servicer XXXX XXXX XXXX XXXX XXXX XXXX, to fabricate fact and thereafter record the fabricated facts/documents in XXXX XXXX records for the sole purpose of facilitate a non-judicial foreclosure, ( that is extortion and is a felony ). the language on the face of the affidavit is clearly unlawful. WHEREFORE, we demand Alridge Pite LLP aka XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX cease and desist any further collection immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-06-29

Roswell, GA

Other

Mortgage: Other mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-21

Atlanta, GA

Taking/threatening an illegal action

Debt collection: Mortgage

Seized/Attempted to seize property
Complaint: RE : previous complaint # XXXX 1. This Complaint is filed pursuant to XXXX - Unfair Practices, and is directed specifically at non-compliance by Alridge Pite, LLP. and XXXX XXXX XXXX XXXX hereafter XXXX XXXX 2. This complaint is related to a previous compliant recently filed with the CFPB, complaint # XXXX on XXXX XXXX, 2016. The complaint was submitted by the CFPB to Alridge Pite, LLP. and XXXX XXXX on XXXX XXXX, 2016. I receive notification on XXXX XXXX, 2016 that the parties had in fact received notification or communications form CFPB on my behalf. However, Alridge Pite, LLP. and XXXX XXXX failed to immediately stop all collection actions as required by FDCPA statute. 3. Whereas, A non-judicial foreclosure advertisement of a SALE UNDER POWER of our property had already been schedule for XXXX XXXX, 2016, as reported in previous CFPB complaint # XXXX on XXXX XXXX, 2016 and was recorded and published with XXXX Georgia XXXX ( Daily Report Public Notice paper ) on XXXX XXXX, 2016 by Alridge Pite, LLP. at the request of XXXX XXXX See EXHIBIT-A. 4. Please be advised that Alridge Pite, LLP. and XXXX XXXX is violating the FDCPA by failing to cancel or otherwise stop all collection action after receipt of the complaint from CFPB, including any pending non-judicial foreclosure scale action. they have failed to give the required good faith and fair dealing notification of cancellation as required. 5. Alridge Pite, LLP. and XXXX after receiving affirmative communications form CFPB on my behalf, they are continuing to communicating with us regarding a debt by post card through third parties urging us to modify a purported loan. 6. Alridge Pite, LLP. and XXXX, after receiving affirmative communications form CFPB on my behalf is continuing to make threats through XXXX XXXX Mail to take action that can not legally be taken. Conculsion I now ask this agency to issue an administrative DEMAND, compelling XXXX XXXX and Alridge Pite, LLP to comply with FDCPA requirement to cease collection in accordance with the Statute. and provide evidence thereof.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-18

Jacksonville, FL

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: This is a formal complaint we want to file on the Law Firm known as Aldridge Pite LLP. We believe this firm and its attorneys are acting in the capacity of a foreclosure mill for the banks here in the State of Florida in violation of the Fair Debt Collection Practices Act as Debt Collectors. ( Aldridge is a national law firm ) XX/XX/XXXX a foreclosure case was filed against us in a attempt to take our home here in XXXX Florida and this law firm known as Aldridge Pite LLP., representing XXXX is making a ( 2 ) second attempt to foreclose on us, attempting to collect a time barred debt in clear violation of the FDCPA. This law firm known as Aldridge Pite LLP. and its attorneys are acting in concert with the banks ( XXXX ) in the filing of time barred causes of actions against consumers without properly verifying the debts. We believe by filing these law suits violations the FDCPA by their conduct, in attempting to deceive the courts and trying to take advantage of a unsophisticated debtor by attempting to steal peoples homes, ours included. ( see documents enclosed ) In this second foreclosure attempt, over 8 years past acceleration of the note, we believe this is their last ditch effort to steal our home. Aldridge Pite LLP. has not properly verified the complaint prior to filing a frivolous cause of action into the State courts. In our defense in the State suit, we again answered timely and filed a motion to dismiss. Recently in State court the judge denied our motion and stated he only looks to the plaintiffs XXXX corners of the compliant on a motion to dismiss. Aldridge Pite LLP. and their attorneys have again deceived the court in believing a new default has recurred by stating in their new foreclosure complaint a new default date of XX/XX/XXXX, opposite of the banks first foreclosure attempt years ago on the record in XXXX XXXX, making it appear to the court the re-starting of the 5 year statutes of limitations. Immediately following all this, we filed a Federal lawsuit against XXXX and the law firm Aldridge Pite LLP. and its attorneys ( see Federal suit in XXXX District of Florida XX/XX/XXXX ) for their blatant violations of 15 USC 1692 FDCPA, FCCPA and Florida Deceptive Practices Act. We are approaching discovery in the Federal case. The State case is also still pending and we have just sent interrogatories and production of documents to Aldridge Pite LLP. awaiting their response. We believe the CFPB should look into this law firm Aldridge Pite LLP. XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX Florida XXXX for their Deceptive Practices against the public. In the past XXXX was fined XXXX dollars for illegally falsifying documents and defrauding HUD ( see report dated XX/XX/XXXX ) and the CFPB has also fined XXXX in the past for their egregious conduct against the public. The CFPB should look into this law firm and their deceptive practices that is clearly violating the law in their attempts to deceive the public. Respectfully submitted XXXX XXXX XXXX sr.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-06-02

Los Angeles, CA

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-05-11

Covington, GA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-05-11

Carlsbad, CA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-05-11

Fort Stewart, GA

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-04-20

Seal Beach, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-04-19

Monroe, WA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-04-04

Long Beach, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: This firm caused me to file bankruptcy by filing a false recorded Notice of Default ; and continued threats of Trustee Sale Date - claiming they were assigned Trustee. Failed to review documents that contain blatant fraud ; they are trying to " Collect on a Debt '' that does not link to them. Broken Chain of Title by wrong parties has misrepresented roles claiming " Solely '' work for client XXXX and then at same time represented " False Claims of some Power of Attorney '' by XXXX acting as " Investor/Beneficiary/crto have given them rights and or assign this " Debt '' by no valid proof provided and that 'only '' items provided showed more fraud of notaries from XXXX acting to execute false signors that are non compliant under XXXX Sec of STATE laws. Violating the " NMS '' Agreement stating, No More Fraud ; Forgery ; and Fake Documents on County or Courts in this event : XXXX XXXX XXXX acted and presented false documents TO FEDERAL COURT : False and Fake Assignments ; and representations of " Altered Notes '' that another party at the same time held another claim of holding the Note ; and was informed that the documents and Notary Journals reviewed contained non compliant under " Mandatory '' requirements under XXXX State 's Laws. XXXX XXXX XXXX stated different representations of " who '' they represented ; Stating they represented the " owner-Investor-Benefiiary-creditor '' and claimed that " XXXX '' in a MFR was in fact working on behalf of a Trust named : XXXX As Trustee. There is no evidence of this and this would not be possible. XXXX XXXX has also filed defective Notice of Default ; and then " after '' sent a debt validation which was disputed : During a dispute of the Debt they continued to move forward NO pre-foreclosure efforts attached a false affidavit ; Stated MUST Only follow their Clients orders Client being Servicer only and forgetting their own due diligence under XXXX HBOR Laws. Filed a Notice of Default the same claimed Investor was in a lawsuit against XXXX XXXX XXXX for XXXX 's XX/XX/XXXX-XX/XX/XXXX ' Loans that included borrower 's origination of a loan that was given by illegal scheme and had no possibility to perform ; During this window of filing they hired a non compliant Notary : XXXX XXXX who 's journals have been reviewed and are non compliant. Continued Notary fraud to assist in false claims ; All assignments of record were reviewed and found FAKE ASSIGNMENTS by non compliant and illegal claims by Notaries in Felony Acts ; XXXX XXXX was informed and stated their only client is XXXX XXXX XXXX who hired them. The alleged XXXX as Trustee stated they are Not the Investor/Creditor/Beneficiary and could not possible be. False and Fake Claims ; Forged documents ; Intimidation tactics that have caused severe hospitalizations for stress induced ; Forced into a BK by faulty claims ; and then presented fake assignments to the Federal Courts in XX/XX/XXXX ' Filed a Sale Date of XXXX/XXXX/XXXX during a time in which written evidences of " alternative options '' being offered ; XXXX intentionally and maliciously sent off exactly planned service release ; vs keeping written promises to borrower ; and both parties failed to make good and again violating HBOR and Unfair Business Practices ; Collect on a Debt for more than the Note Value when it was " Defaulted in XXXX '' Called Due by Acceleration of the Note : Expired at 6 years and then Year 7 " AFTER '' removed from credit ; and expired under XXXX Section : 882.030 ; CCP 2911 : and UCC 3-118 ; 3-108 ; Filed a faulty NOD " After Time Barred '' disregards all laws ; Filed XXXX distinct Sale Dates while " Dual Tracking '' and instead of reviewing solid facts of " letters dated '' of proof ; instead allowed XXXX to " Omit '' Evidences that would prove she was " in '' an open review and backed XXXX up when facts are contrary ; See attached explanations : Continued Intimidation tactics and false convoluted claims made Fraud onto Federal Ct
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-04-04

Mc Donough, GA

Other

Mortgage: Other mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-04-01

Savannah, GA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-28

Marinwood, CA

Other

Mortgage: Other mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-25

Indianapolis, IN

Settlement process and costs

Mortgage: Reverse mortgage

Complaint: I am a XXXX NMLS # XXXX - XXXX XXXX - I have been working with XXXX XXXX to secure a reverse mortgage for him. He has a Georgia XXXX XXXX loan that is a year old. There was not enough money to pay it off - so in XXXX I asked them if they would subordinate - they said they would. I proceeded to have XXXX XXXX pay for an appraisal & we are moving to close the loan & now they are saying they will not subordinate. That is not ethical - I need your help.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-21

San Diego, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-02-26

Santa Barbara, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-02-22

Rosemead, CA

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-02-19

Pasadena, CA

Other

Mortgage: Other mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-02-18

Oxford, GA

Taking/threatening an illegal action

Debt collection: Mortgage

Seized/Attempted to seize property
Complaint: On XXXX XXXX, XXXX I was contacted through the mail by Aldridge Pite LLP, who claim to be attempting to collect an alleged debt for XXXX XXXX XXXX. Upon receiving the letter from Aldridge Pite, I began to draft my response pursuant to 1692 ( g ), and before I could enter my dispute I received a Notice of Pending Foreclosure Sale on XXXX XXXX, XXXX. On XXXX XXXX, XXXX Aldridge Pite received a Consumer Notice of Dispute of Debt in pleading form pursuant 15 USC sec.1692g, and though there were some apparent errors in the notice, the demand was very clear. Aldridge Pite LLP 's response was lacking verification and validation of any facts, as submitted in letter received XXXX XXXX, XXXX. At that time I saw that XXXX XXXX was indeed a debt collector as defined by 15USC sec.1692 ( a ) ( 6 ), and then filed Notice of Insufficient Response on XXXX XXXX, XXXX. The Notice sited errors in accounting of alleged debt by proof of Aldridge Pite 's own submission, demanded verification and validation, and ordered a CEASE AND DESIST. After XXXX XXXX 's receipt of such Noitce, I received through the mail a Cancellation of Foreclosure Sale on XXXX XXXX, XXXX. However, on XXXX XXXX, XXXX, I received another Notice of Pending Foreclosure Sale identically styled as the previous Notice of Pending Foreclosure Sale absent of any acknowledgement of dispute or verification and validation. My response to Aldridge Pite, was to make Notice of Violations Pursuant to 15 USC sec.1692 on XXXX XXXX, XXXX. Aldridge Pite responded saying, " we believe our response was sufficient to satisfy and verification obligation we may have under the FDCPA '', they also referenced to letter dated XXXX XXXX, XXXX. The inoperative word that XXXX XXXX used, " believe '', is neither verification nor validation as defined by law which lead me to draft a FINAL NOTICE on XXXX XXXX, XXXX siting a Summary of Facts and Violations pursuant the FDCPA XXXX XXXX sec.1692. Aldridge Pite 's response to such filing was to send a letter dated XXXX XXXX, XXXX styled, Cancellation of Foreclosure Sale. Then on XXXX XXXX, XXXX, Aldridge Pite LLP, gave Notice of Pending Foreclosure Sale, once again without any compliance to Federal Law pursuant to the FDCPA 15 USC sec.1692. Because of financial downfall, my response will be through a type of amendment to Final Notice, however I do intend to move for District Court of Georgia to ratify my PRIVATE RIGHT OF ACTION claim.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-02-06

Bakersfield, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: To Whom It May Concern, As the Foreclosure Trustee for XXXX XXXX XXXX XXXX XXXX XXXX you are obligated to follow all the rules, regulations and procedures within the California Foreclosure Civil Code sections XXXX, formerly known as the California Home Owners Bill Of Rights. According to the California Department XXXX XXXX XXXX, no foreclosure trustee is exempt from the California Foreclosure Rules, Regulations and Process. Nor can any trustee just blindly file any court documents without accurate, complete, and supported documents by competent and reliable evidence by the mortgage servicer that the trustee is representing. Before a default notice of any foreclosure can begin, I have the right to participate in a face-to-face meeting with the mortgager and its trustee. My request for this meeting was ignored and or denied. XXXX parties knew that I requested to meet with XXXX parties in order to understand and present any evidence that was needed to prove I was not in arrears as alleged by XXXX XXXX XXXX and Clear Recon Corporation. I kept requesting to create a " single point of contact '' as a borrower to prevent foreclosure actions. I requested a single point of contact whom may be an individual or a team that has the authority to perform specific responsibilities, has knowledge of my situation and current status. Who is able to provide accurate information and coordinate all documents associated with my foreclosure prevention alternatives and with/to XXXX XXXX XXXX and its trustee Clear Recon Corp. I explained this matter to a XXXX XXXX XXXX supervisor and its employee 's, in that XXXX XXXX XXXX would not let be get passed their collections department employees. I explained that this department ( Collections ) could not and was not authorized to service my mortgage account. I ALSO requested through the collections department that I wanted a face to face meeting with someone who was authorized to service my account. That request was ignored and or denied. I continuously disputed that my account was in arrears of any amount. That my mortgage loan was in fact current and up to date in mortgage payments, taxes and insurance payments. XXXX XXXX failed to pay my property taxes in a timely manner if at all. XXXX XXXX continually paid out via my escrow account, with hazard insurance three times the amount ( {$1800.00} ) of my current hazard insurance with XXXX XXXX XXXX XXXX ( {$540.00} ). XXXX XXXX further attempted to enroll myself into a program where if you are sick, injured or laid off your mortgage payments would be made for up to one year ( additional XXXX yearly charge ). I had to continually call these insurance companies and had them canceled immediately. This illegal activity continuously raised my mortgage account payment up to {$250.00} to in access of {$650.00} dollars a month. When XXXX XXXX XXXX received my account from XXXX, due to XXXX going into bankruptcy, my escrow account was closed and I was suppose to get a remittance of what remained in my escrow account ( {$1300.00} dollars ). XXXX XXXX refused to do this because they stated my account was in arrears. Yes, because of the illegal activity XXXX XXXX continually practiced. During this time I requested a payoff of my mortgage account, that is when everything went to XXXX XXXX XXXX XXXX was determined to keep my account in arrears, and force me into foreclosure. Two times I was able to get a loan with another company but XXXX XXXX XXXX refused to present a valid pay off. A internet search of XXXX XXXX XXXX one can find that this was a common practice with XXXX XXXX XXXX. It was common knowledge to everyone in the mortgage business that XXXX XXXX XXXX was a predatory company that forced thousands into bankruptcy with fraudulent and illegal pr
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-01-25

Northridge, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response