FBI Criminal Complaint

Primary Subject:

Name: [SERVICER/BANK NAME]
Address: [SERVICER ADDRESS]
Role: Mortgage Servicer / Claimed Creditor

Additional Subjects:

Name: [TRUSTEE NAME]
Role: Foreclosure Trustee

Name: [LAW FIRM NAME]
Role: Foreclosure Counsel

Name: [TRUST/REMIC NAME]
Role: Claimed Owner of Alleged Debt

Property Address: [PROPERTY ADDRESS]

Alleged Loan Number: [LOAN NUMBER]

Original Lender: [ORIGINAL LENDER]

Original Loan Amount: $[AMOUNT]

Current Claimed Balance: $[CURRENT AMOUNT]

I am reporting the following federal criminal violations committed by the above-named subjects in connection with mortgage servicing and foreclosure proceedings:

1. Bank Fraud (18 U.S.C. § 1344)
   The subjects have executed a scheme to defraud by claiming to own and service a debt without lawful authority, fabricating documents to support false claims, and extracting payments and property under false pretenses. The scheme involves:
   
   [DESCRIBE SPECIFIC FRAUDULENT ACTIONS - false claims of ownership, fabricated documents, forged signatures, backdated assignments, etc.]
2. Mail Fraud (18 U.S.C. § 1341)
   The subjects have used the United States Postal Service to transmit fraudulent documents including:
   
   [LIST SPECIFIC MAILINGS - collection letters, notice of default, foreclosure notices, etc. with dates]
3. Wire Fraud (18 U.S.C. § 1343)
   The subjects have used interstate electronic communications to execute the fraud scheme including:
   
   [DESCRIBE ELECTRONIC COMMUNICATIONS - emails, electronic document transmissions, wire transfers, etc.]
4. RICO Violations (18 U.S.C. § 1962)
   The above-named subjects constitute an enterprise engaged in a pattern of racketeering activity including multiple predicate acts of mail fraud, wire fraud, and bank fraud. The enterprise operates as follows:
   
   [DESCRIBE HOW ENTITIES WORK TOGETHER as an enterprise - servicer, trustee, law firm, document preparation companies]

The following facts support this criminal complaint:

1. Lack of Standing/Authority:
   [DESCRIBE - Servicer cannot produce original note, chain of title is broken, assignments were fabricated after closing date of trust, etc.]
2. Document Fabrication:
   [DESCRIBE - Robo-signed documents, fabricated assignments, backdated endorsements, forged signatures, etc.]
3. False Representations:
   [DESCRIBE - False statements in court filings, false verification of debt, misrepresentation of creditor status, etc.]
4. Failure to Respond to Lawful Requests:
   On [DATE], I sent a Qualified Written Request pursuant to RESPA demanding verification of the debt and production of original documents. The servicer failed to provide adequate response within the statutory period, suggesting they cannot substantiate their claims.
5. Pattern of Conduct:
   [DESCRIBE - Similar conduct affecting other homeowners, known settlement agreements, regulatory actions against servicer, etc.]

The following evidence is attached or available to support this complaint:

1. Copies of Qualified Written Requests and responses (or lack thereof)
2. Copies of alleged loan documents showing inconsistencies
3. Chain of title research showing gaps and irregularities
4. Analysis of assignment dates vs. trust closing dates
5. Examples of robo-signed or fabricated documents
6. Court filings containing false statements
7. Affidavit of Truth sent to subjects (unrebutted)
8. [LIST ADDITIONAL EVIDENCE]

As a result of the subjects' criminal conduct, I have suffered:

• Threat of wrongful foreclosure and loss of property valued at $[PROPERTY VALUE]
• Payments made to entities without lawful authority totaling approximately $[AMOUNT PAID]
• Damage to credit rating and reputation
• Emotional distress and anxiety
• Legal fees incurred defending against fraudulent claims
• [ADDITIONAL DAMAGES]

Based on the foregoing, I respectfully request that the Federal Bureau of Investigation:

1. Open a criminal investigation into the subjects named herein
2. Investigate the pattern of criminal conduct affecting myself and other similarly situated homeowners
3. Coordinate with the Department of Justice for potential prosecution
4. Preserve and secure evidence of the criminal enterprise
5. Refer this matter for potential asset forfeiture proceedings

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct to the best of my knowledge and belief. I understand that false statements to federal law enforcement are crimes under 18 U.S.C. § 1001.

[YOUR SIGNATURE]

_________________________________
[YOUR PRINTED NAME]
Date: [DATE]

Exhibit A: Qualified Written Requests and Responses
Exhibit B: Loan Documents and Chain of Title Analysis
Exhibit C: Evidence of Document Fabrication
Exhibit D: Court Filings with False Statements
Exhibit E: Affidavit of Truth
Exhibit F: [ADDITIONAL EXHIBITS]