Lynn E. Szymoniak
Director, Housing Justice Foundation
505 South Flagler Drive, Suite 1331
West Palm Beach, FL 33401
November 9, 2012
Dear Mr. Harris and Occupy Our Homes Atlanta:
Thank you very much for the opportunity to examine some of the mortgage documents that have been used to foreclose on Mr. Mark Harris. As Veterans Day approaches, I am grateful to have an opportunity to help a retired veteran, Mr. Harris, stay in his home.
After review, I consider the documents I reviewed to be fraudulent and, in my opinion, no foreclosure should proceed on the basis of these documents.
I looked at the following documents:
1. Transfer of Security Deed from National City Real Estate Services, LLC to National City Mortgage, Inc. f/k/a National City Mortgage Company –
Signed by Jeff Blum, Mortgage Officer, Team One Mortgage Services, Inc. on July 15, 2008 in Montgomery County, OH.
2. Assignment of Mortgage/Deed from “PNC Bank National Association Successor By Merger National City Bank” to Green Tree Servicing, LLC –
Signed by Bryan Bly and Crystal Moore, Vice Presidents, PNC Bank National Association Successor By Merger National City Bank on April 6, 2010 in Pinellas County, FL.
3. “Corrective” Assignment of Security Deed from PNC Mortgage, a Division of PNC Bank, N.A. s/b/m National City Real Estate Services, LLC s/b/m National CityMortgage, Inc. f/k/a National City Mortgage Company to Green Tree Servicing, LLC –
Signed by Vilma Castro and Elsa McKinnon, as Vice President and Assistant Secretary, respectively, of PNC Mortgage, a division of PNC Bank, NA, s/b/m National City Real Estate Services, LLC, s/b/m National City Mortgage, Inc., f/k/a National CityMortgage Company on July 22, 2011 in Pinellas County, FL.
The reason stated for the correction was “to correct bank signing was rec’d 4-12-2010.”
4. “Corrective” Assignment of Security Deed, also to Green Tree Servicing, LLC –
Signed by Lisa RisingMoore, Asst. Vice President, PNC Mortgage, a division of PNC Bank, NA, s/b/m National City Real Estate Services, LLC, s/b/m National CityMortgage, Inc., f/k/a National City Mortgage Company by its Attorney- In-Fact Green Tree Servicing, LLC on November 1, 2011 in Pinellas County, FL.
The reason stated for the correction was “to correct the notary section within the Assignment of Security Deed recorded on 4-12-2010.”
5. An Affidavit of Lost Assignment that states that the current mortgagee, PNC Bank, NA successor by Merger National City Bank cannot locate any Assignment from Team One Services, Inc. to current mortgagee –
Signed by Bryan Bly, Vice President, PNC Bank, NA Successor By Merger National City Bank.
I have examined over 10,000 Mortgage Assignments since 2009 from at least 20 states and hundreds of banks, mortgage companies and document preparation companies. The documents in Mr. Harris’ file are some of the worst prepared, conflicting and unreliable documents I have seen.
As set forth above, there are two “corrective assignments” and a Lost Assignment Affidavit. This Affidavit was signed on April 6, 2010, by Bryan Bly, who claims to have personal knowledge of the facts of this case. This is obviously false as there is indeed an Assignment from Team One Mortgage Services.
This is yet another case where no one is really whom they claim to be.
Most importantly, Jeff Blum, who claims to be a mortgage officer for Team One, was actually an employee of National City Mortgage. Mr. Blum has posted his resume online at LinkedIn. National City Mortgage is assigning to itself, using the subterfuge of having one of its employees, Jeff Blum, signing as an officer of Team One Mortgage.
As for the subsequent three assignments, all to Green Tree Servicing, all three were signed by individuals claiming to be officers of PNC Bank or PNC Mortgage, but in fact, all of these individuals are well-known employees of Nationwide Title Clearing, a mortgage document mill in Palm Harbor, Florida.
Illinois Attorney General Lisa Madigan filed a lawsuit against Nationwide Title Clearing in February, 2012. “The practices that NTC used were a key contributor to the mortgage crisis by undermining the integrity and accuracy of the mortgage servicing and foreclosure process,” Attorney General Madigan said in a press release at the time the lawsuit was filed.
The fraudulent practices of Bryan Bly, the NTC employee who signed both an Assignment and an Affidavit in the Harris case,were discussed in a Reuters article by Scott Paltrow who wrote as follows regarding notorious robo-signers:
“Among them is Bryan Bly, an employee of Nationwide Title Clearing of Palm Harbor, Florida. Bly testified in a July 2010 foreclosure case in Florida that he signed up to 5,000 mortgage assignments per day at the loan-servicing company. Although he is an employee of Nationwide, he signed the documents as a “vice president” of Option OneMortgage, Deutsche Bank, CitiBank and other institutions. (Case # 2009-CA-1920, Circuit Court of the Fourth Judicial District, Clay County, FL)
In his deposition, Bly said Nationwide multiplied his output by electronically stamping his signature on additional mortgage assignments that Bly said he never saw. He testified, too, that all the documents then were falsely notarized. Nationwide’s notaries were given stacks of the already-signed documents, he said, and attested falsely that Bly had signed the legal papers in front of them. Bly said he didn’t verify the information in the papers he signed, and that he didn’t understand key words and expressions in them.”
Corrective Assignment #4 above also does not stand up to scrutiny as we have Green Tree acting as both assignor and assignee. In addition, the individual signing as an employee of Green Tree is actually an employee of Nationwide Title Clearing.
The abuses in this case are egregious. These are the kinds of abuses that the Justice Department and the Attorney General Task Force have been working to enjoin and prevent.
I am prepared to testify and swear to all of the above.
LYNN E. SZYMONIAK