Complaint Review: WAMU Washington Mutual - Sierra Pacific Mortgage - Ticor Title - Impact Mortgage Several Issues - Sparks Nevada

Washington Mutual P.O. Box 44016 JAXA2000 Jacksonville, FL. 32231-4016 ) Incorrect recording/Loan Fraud Parties involved in this case: Impact Mortgage, Ticor Title, Sierra Pacific Mortgage, and Washington Mutual In connection with new recordings on Eric Ms home (((ROR REDACTED))). Loan information shown on TS Sale 121215NV Account 5304217XXX Dated this Friday, November 20, 2007 First Party Involved Impact Mortgage (Brian D. Schneider as owner)Brian D. Schneider as owner and acting agent performed several questionable acts that lead to fraudulent activities from his place of business. Fred Mesi was phoned by Brian D. Schneider asking him to simply state to a bank (not knowing who will take Brian D. Schneiders bid offer) if they call to simply say he worked for Alegre Trucking that it saves on paper work on Brian D. Schneider (himself)work load. Fred Mesi replied with no I will not alter the truth. Fred Mesi did not fill out a loan application for Impact Mortgage. Things noted wrong with the application: A. Application reflects a refinancing and not a purchase. B. Betty Mesi Did not authorizes Fred M to buy the home using a quick claim deed signing off on the property. Betty Mesi does not agree with the purchase. C. Fred M has never resided in the property as stated on the loan application. Also has never resided or planned to reside in the property therein. E. The date of February 13, 2007 on the application is the same date claimed for Eric M signing a quick claim deed over to Fred M. Impact Mortgage began working on a purchase and loan of the property at the end of October 2006. F. Fred M has never been a Logistics Manager and after careful investigation by calling several trucking firms there is no such position placed in any trucking company. G. Fred M has never been employed by Alegre Trucking. Fred M was in the past a Sub-Hauler which could haul for companies of choice or saw fit for his business. Alegre was one of Fred Ms clients for their Sub-Hauling request. April 2007 Fred Mesi received mail from Sierra Pacific Mortgage stating that they randomly render investigations and felt Fred Mesi never filled out the Uniform Loan Application approved by the Department of Real Estate. Fred M in his own blue ink writing at the bottom of Sierra Pacific Mortgages affidavit, stated he has never seen the application and his signature looked like a digital copy and also that all employment is incorrect.

January 2007 Fred M was called by Sierra Pacific Mortgage and was asked if he worked for Alegre Trucking in Stockton California. Fred M stated no, that he had his own business and could Sub Haul for several companies which included Alegre trucking. Fred M continued by stating he no longer has the Sub Hauling business and is now working for American Ready Mix in Reno NV. Brian D. Schneider was to receive a yield spread Premium of $4,500.00 directly from the new lender Sierra Pacific Mortgage including other broker fees which totaled $8,315.00. Fred M seeing this extensive broker fee immediately prompted Fred M to not go through with the loan. Brian D Schneider knowing of Fred Ms complaints and claimed to try and stop the loan process but later explained he could not. Fred M the day after signing and discovering several data inaccuracies mailed the rescission the following day Wednesday February, 14 2007. There was a Joint Tenancy paper included which suggested Eric M was to sign. Eric M phoned Brian D. Schneiders office to explain Fred M was already on the home since there was a 1031 exchange to buy the property, in which Brian D. Schneider was not in. Eric M notarized the signers book but did not sign any more papers till he further heard from Brian D. Schneider, therefore never signed his ownership share over to Fred M (later noted on recent recordings there was an after signature not by Eric M placed on the Joint Tenancy form). Brian D. Schneider from Impact Mortgage stated he was trying to get Fred M a refund of $4,000 by taking the funds and depositing them into his own personal account (which is known as co-mingling) then refunding Fred M later. Brian D. Schneider further stated that if I took direct cash out there would be a 5% charge back to Fred M to do so. Fred M was told by Brian D. Schneider from Impact Mortgage and Debra Cope Escrow Title Officer of Ticor Title escrow was short to close by $1,790.12. Brian Schneider called Fred M and Eric M and explained that if Fred M and Eric M stay quiet and let him handle the problem he was going to force Ticor Title to pull from their insurance fund to cover the shortage. Fred M explained to Brian D. Schneider I was not comfortable with the loan and that Fred M was not willing to move forward with it, in which Brian D. Schneider claimed to stop the loan process. Brian D. Schneiders License numbers are 01253845 and 01348023 and neither License allows for him to operate in Nevada just California. Fred M has had no previous correspondence with Brian D. Schneider so this does not allow him to operate in Nevada, as it was stated to Fred M by the Department of Real Estate that it is allowed to operate in other states once per year if Fred M has had a previous relationship before handling a loan, which Fred Mesi has not. Brian D. Schneider stated there would not be a prepayment penalty on the loan and advised that Fred M could sell the property right away. Brian D. Schneider stated that if Fred Mesi would be ok with a 1 year prepayment penalty he could save extra cost on the loan, Fred Mesi responded with no not at this time because currently Eric M does not have a prepayment penalty nor PMI and Fred M may decide to sell the property sooner. It was also explained to Fred M that it will be a no cost loan which by the closing statements indicates this is not true. Fred Mesi discovered in the loan documentation there is a prepayment penalty of one year in which 6 months interest would be paid if property was sold or refinanced also PMI was included. This mistake of Brian D. Schneiders would cost $15,000.00 thereof. Fred M felt safe that he sent the rescission Wednesday 14, 2007 in which proved to be closed and satisfied as there were no new recordings on title of the home at (((ROR REDACTED))). Later to discover a recent recording on October 23, 2007 and November 13, 2007. Second Party Involved Ticor Title (Debra Cope Title Officer/Sandy Adams Manager) Fred M was told by Brian D. Schneider the reason for using Ticor Title is that he has had several business transactions with Debra Cope at Ticor title. It has been proven in the events complained about the several different revisions in the final closing statements from Impact Mortgage and Ticor Title. Fred M stated to Debra Cope what kind of shady deal is Brian D. Schneider rendering, in which Debra Cope replied with protective measures covering the allegations said by Fred Mesi. Debra Cope explained and emailed the final closing statement displaying that they were short to close by $1,790.12. Debra Cope then stated she needed the shortage of $1,790.12 paid in full or they cannot close. Fred M stated he did not want to close; therefore I will not be bringing the monies into your office of $1,790.12.

After Eric M discovered recent recordings on his home phone, Eric M made contact with Sandy Adams of Ticor Tile. Eric Mesi asked Sandy Adams how did you close when Ticor Title was short $1,790.12 to close. Sandy Adams replied that the shortage will not stop escrow. Eric M asked Sandy Adams where the monies came from. Sandy Adams replied with from your father Fred M. Eric M stated Fred M my father did not pay this shortage and requested a copy of the check she is claiming. Eric M made several attempts to get the copy of the check for $1,790.12. Seven days later Sandy Adams stated Debra Cope entered it wrong that Sierra Pacific Mortgage paid the shortage to be able to close. Eric Mesi felt that did not sound like a legitimate explanation and asked Sand Adams for a copy of Sierra Pacific Mortgages check. Sandy Adams then replied with no Ticor title paid the shortage. Eric M then requested a copy of Ticor titles check to close escrow, in which Eric M to date have not had no more responses from Sandy Adams. Sandy Adams mailed a final closing statement which indicates Fred Mesi paid to close. When Eric M asked Sandy Adams about the fact it states Fred M paid the shortage Sandy Adams claimed she is revising the final closing statement but to date no response has been completed by Sandy Adams. Eric Mesi made contact with the local Ticor Title office in Reno NV. Don Polly manager of the Ticor Title office and had full knowledge of the recent recording as he was asked for a favor to record the TS sale on Eric Ms property. Don Polly stated he will look into the issues with Ticor Tile and phone Eric M with a return phone call. Don Polly phoned Eric Mesi back within 2 hours Wednesday November 14, 2007 and stated to Eric M that he did not care if Eric M used his name to report fraud and that Eric M needed to protect his property by sending an affirmative letter of fraud intent registered to all parties involved and to handle this task as soon as possible. Third Party Involved Sierra Pacific Mortgage (Janet Lewis) When Eric M noted the newly recorded note on his property October 23, 2007 he immediately made contact with Sierra Pacific, Cindy 775-826-3700 from the Reno office. Cindy explained she wished she could help but her system does not allow her to see the loan as it has been done in another division of Sierra Pacific Mortgage. Cindy explained that Sierra Pacific Mortgage is for commercial business to business only and when she sees anything from Southern California she ignores those offers as there is too much fraud from that area and that it is rare to have fraud such as your case in the Reno area. Cindy gave Eric M the phone number to Janet Lewis a top operational management executive in Sacramento California 916-932-1700. Eric M called Janet Lewis and asked what the recent recording on my home was, Janet Lewis replied with Fred M took a loan out on the home in February 2007 and not sure why they just recorded. Janet Lewis stated she then sold the loan open market to a loan purchaser (not giving any names) and recently was forced to buy the loan back do to non-payment on the loan. Eric M asked Janet Lewis if she received the loan application fraud affidavit Sierra Pacific Mortgage investigations department requested for their random audit. Janet Lewis said yes and at that time forwarded it to Brian Schneider for review. Janet Lewis stated Brian Schneider replied with this, he was just another disgruntled customer (which indicates there were others). Janet Lewis admitted that the sale of the loan and that there has never been a payment made on the loan when Sierra Pacific Mortgage carried the note. Eric M asked Janet Lewis why would she continue and drop the investigation since she received the application back with Fred Ms explanation of fraud on the application. Janet Lewis stated she accepted Brian D. Schneiders explanation that sounded ok to her (Sounds like Janet Lewis is used to disgruntled customers as it is an every day event). Eric M asked why she didnt ask for a wet signature and Janet Lewis replied with know I did not think of that. Janet Lewis continues to ask Eric Mesi via emails if he has another deed on his property. Eric M has not answered that question and has went around the answer because it is obvious to Eric M Janet Lewis is trying to cover and hide allegations against her as she could be fired or even arrested if it is proven she is evolved in loan fraud. Janet Lewis stated she has requested all documents from Ticor Title four weeks ago therein and Ticor title has failed to fulfill her request. This indicates that Sierra Pacific sold a defaulted loan which also included fraudulent activities. It may also suggest Sierra Pacific Mortgage played a part in and had full knowledge of the fraudulent activities and are fully aware of the business issues at hand. Eric M indicates Janet Lewis is fully aware of the knowledge of fraudulent activities from Brian D. Schneider and Ticor title. Eric M proved by contacting Washington Mutual that Sierra pacific did not buy back the loan and that was fabricated by Janet Lewis. Fourth Party Involved Washington Mutual claiming a Mortgage Eric Mesi noted an additional recording on his home phone a TS foreclosure sale from Washington Mutual. Eric M made contact with Washington Mutual. Eric M asked why Washington Mutual recently recorded this TS Sale on his property. It was explained to Eric Mesi that Washington Mutual purchased a loan from Sierra Pacific Mortgage several months ago. Washington Mutual explained they felt there was inaccurate data and that they have already requested all documents from Ticor Title. Eric M explained to the Washington Mutual representative that the Joint Tenancy paper used did not match his signature and what was recorded went around his homestead. Eric M also explained that the joint tenancy paper used did not match the original recording that stated Eric M is head of house hold and carried the deed as joint tenant meaning the home also belongs to his family which resides in the home. Eric M is in fear he can lose his home because of the several fraudulently activities. From this originally written October 16, 2007 there was new found evidence that Washington Mutual broke into Eric Ms home on October 16, 2007. Eric Mesi was out of town when writing this document and was unaware of this issue. From the security camera footage it implicated Washington Mutual. Eric Mesi phoned Isaac of California Reconveyance Company 1-800-892-6902 Subsidiary company of Washington Mutual. Eric M was told by Isaac Washington Mutual ordered the lock to be drilled out and changed then report back if anyone lived in the residence as Washington Mutual felt the home was vacant. Eric Mesi was in touch with Washington Mutual before the date October 16, 2007 and explained this was his home in which he lived. Washington Mutual had no legal right to break in Eric Ms place of residence and invade his privacy. Eric M has no choice but to involve Washington Mutual into the fraudulent activities that have taken place mentioned above.

Etvm

Sparks, Nevada

U.S.A.

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