Complaint #1639526 submitted on 11/04/2015 relating to Quality Loan Service Corporation. Complaint relates to Mortgage Conventional adjustable mortgage (ARM) - Loan modification,collection,foreclosure .
Complaint was submitted via Web and sent to the company on Wednesday 4th November 2015.
This is my fourth complaint, in this same matter : Received today, my first and only notice from the County of XXXX Recorder, that a Notice of Default has been recorded against my property, document # XXXX dated XX/XX/XXXX. Notice states that filing was done electronically. Document has the signature of XXXX, Assistant Secretary of Quality Loan Service Corp., Trustee.
Document confirms that the loan date was XX/XX/XXXX.
As I stated before in a prior complaint, Quality Loan Service in its XX/XX/XXXX Debt Validation Norice letter, stated : '' The current creditor to whom the debt/loan is owed is : XXXX XXXX XXXX, XXXX. ".
As Instated before in a prior complaint, the XXXX XXXX website states that the owner of my loan is XXXX XXXX.
Quality Loan Service made a material false statement in its Debt Validation Notice letter. This is serious. XXXX XXXX owns my loan and is my lender.
As I stated in a prior complaint, California requires for loans made between XX/XX/XXXX and XX/XX/XXXX on XXXX to XXXX Unit Owner Occupied Properties, that the lender as required by Cal. Civ. Ciode sec. 2923.5 ( a ) contact the borrower by phone or in person to assess the borrower 's financial situation and explore options for avoiding foreclosure.
XXXX XXXX never had a conversation with me.
Even though XXXX XXXX never had a conversation with me, as required by Statute, the loan servicer XXXX XXXX took it upon itself to have Quality Loan Service file the Notice of Default.
Furthermore, the copy of the Notice of Default sent to me by the County of XXXX Recorder ( XXXX pages ) does NOT have any declaration by the lender ( XXXX XXXX ) that it contacted me to explore options to avoid foreclosure. This declaration is required by Cal. Civ. Code sec. 2923.5 ( b ). Contact has to be by phone or in person, per Cal. Civ. Code sec. 2923.5 ( a ).
XXXX XXXX is the owner of my loan, the lender.
XXXX XXXX is only the servicer. Declaration has to be by the lender, per Statute. A declaration by the loan servicer of contact attempts does NOT comply with the Statute.
| Company | Quality Loan Service Corporation |
| Complaint ID | 1639526 |
| Date Received | 11/04/2015 |
| Product | Mortgage Conventional adjustable mortgage (ARM) |
| Issue | Loan modification,collection,foreclosure |
| State/ZIP Code | CA 925XX |
| Consumer Consent | Consent provided |
| Company Public Response | Company believes it acted appropriately as authorized by contract or law |
| Company Response To Customer | Closed with explanation |
| Submitted | Web 11/04/2015 |
| Result | Timely Response: Yes, Consumer Disputed: Yes |
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