My State Processing.com David Young Failed to provide refund as per contract and emailed assurances Las Vegas, Nevada

It was great to hear David and Minerva was arrested. I hope they get everything they deserve. I hope justice is given to those who hav esuffered at the hands of these two. I have still to this day havent any updates from the Nevada mortgage Division as to what the next step is for me. I'm sure there are others who were affected by this team. I will contact them soon to see what my options are. Due to my now being unemployed, the $2000 David and Minerva stole from us could have been used to help us find housing to hire a real legal team to assist us and find other resources to help us with our mortgage. BoA has approved us for the unemployment program and if I find work, we could qualifiy for modification program. David and Minerva and Carla Divine(Hopefully they get her too)took away what me and my family had worked so hard for 6 years, trusting anyone associated with the housing business. I am very careful who I speak with, I created a log that captures all transactions and conversations too include email. Because of them, I seem a little bitter towards those who claim they can help those struggling to keep their homes. I used to enjoy the freedom of home ownership, now this could be all taken away. So, I want to thank David, minerva, ang Carla for screwing up our dreams and I hope some day all your dreams are taken away just as you took them from us.

David and Minerva were arrested last week The preliminary hearing will be in January! Glad to see everyones' complaint was heard and some action has occurred!

I met with David Young in June 2011 and, sadly, may have fallen victim to his "business" as well. Initially, he appeared to be on top of things but I have lost contact with him since November 2011. I e mailed him again in December 2011 and did not receive a response until I told him that I would be stopping in person. He then responded to my e mails anad gave some "updated information". It has beena year since this "refinancing process" began and I am becoming stir crazy and reached out to him again. After several unanswered e mails I called his number to find it disconnected. I googled him and found this website. I fear now that I am having to short sale my home as Mr. Young is no where to be found. Does anyone have contact information for him and what do I do to pursue refund? Thanks so much.

vgas, thanks for the update. I saw the six homeowners listed, but unfortunately there are going to be more people who were affected by David and Minerva. Someone needs to go after Carla Devine, she in this whole scam also. I also noticed around July 2011, the person they had listed in the report, My State Processing was alos working my case also. I was contacted 24 July 2011, so that's why I say there's more people that may be coming forward. The Attorney Generals Office received my complaint package and I have already received a letter back stating there is someone assigned to my case. Hopefully we can all get our money back. We will see. I'm also sending off another complaint package to the Division of Mortgage Lending(Consumer Complaints Division) in the morning. I'm hoping David, Minerva and Carla Devine can serve jail time...I think this will be worth my $2,000 they still owe us. Again thanks for the update. David actually comes in to this site and monitors what is being said, but who cares!!! I want my money!!!!
Columbus, Georgia

The State of Nevada has issued a Cease and Desist Order as of May 3, 2012

https://www.google.com/#q=mystateprocessing.com&hl=en&prmd=imvns&ei=rRmoT5T4JsqXiQLWjPXWAg&start=10&sa=N&bav=on.2,or.r_gc.r_pw.,cf.osb&fp=d1dda8d06c2d028b&biw=1399&bih=1358

They were ordered to pay restitution to all parties as well as provide a list to all customers who they engaged with. David Young was also fined $50,000 payable this month to the NV Division of Mortgage Lending! If you have not done so, make sure you file a complaint with the NV Dept of Mortgage Lending here:

http://www.mld.nv.gov/

The State has been in direct contact with him so they know where he is at least. I hope everyone gets the funds back they lost- Good luck all!

vgas

Thank you so much for all of the information you have supplied.  My husband and I have been following your posts and reporting to each agency that you have suggested.  I really hope that everyone that have filed reports on this site (or who can read these complaints) reports David Young, his wife Minerva, family members and business's. Thank You!

I just spoke with the Las Vegas office of the State Attorney General. They have received over 150 complaints regarding David Young and MYStateProcessing. They said they were reviewing all of the complaints and would be sending out letters shortly to those who filed. Also, got my interview with Channel 13 later this week to discuss David Youngs Fraudulent business practice...

Well, David Young stated he put it the mail, but didn't know what has happened. He will not return any phone calls, just threatening me that no refund will come if I keep commenting on his business. David ahd asked for a two-week extension which I had no problem. THen he lied about putting itin the mail. Then he said he should put a stop on the check that he thought he mailed....Anyway, you can see where this is going. 

If you are having to deal with this thief and his illegal business, Contact the following. They already have his information and have launched an investigation:

Nevada State Attorney's office- They already had several complaints when I contacted them, so adding mine to the list.
BBB- Did not have any details on his business or complaints yet- They do now.

Nevada Dept. of Commerce- His Business license is REVOKED as of Jan 12, 2012. 

FBI- Dept of Mortgage Fraud- This department is specific to predatory lending and fraudulent activity. Report filed, they have sent me a bunch of forms and requested all emails.

SEC- Filed a complaint with the anti-trust and fraud link they have on the website. They requested more info on his business. I forwarded them a previous case from N.Y. where David Young and other members of his family were issued a cease and desist order for running an illegal home loan business.

In February 2011, the Federal Trade Commission (FTC) issued a rule prohibiting the payment of any up-front fees to negotiate mortgage-reduction payments on behalf of a homeowner. Nevertheless, an untold number of companies and individuals continue to openly violate the rule, asking for an average up-front fee of $2,589.58 to modify a mortgage. Without exception, callers said that no mortgage reduction was achieved or no meaningful work was ever performed.Mortgage scam artists seem to prey on minorities in particular. Virtually half of the potential scam calls fielded since our hotline was launched have been from homeowners who voluntarily identified themselves as African-American, Hispanic or Asian. The same population groups that were disproportionately targeted for predatory lending during the housing boom are now bearing the brunt of an unusually high percentage of mortgage scams. Senior citizens across all demographics are also particularly vulnerable.Many of the callers to HPFs Homeowners HOPE Hotline who were victimized by a scam artist didnt realize they had been conned. Anti-scam counseling has now become a critical part of the service we provide to all callers and we have trained a team of anti-scam experts specifically to serve homeowners who may be victims of a scam. We educate homeowners about common scams and the red flags to look for so that they arent victimized in the process of trying to resolve their mortgage problems. In some cases this counseling is, unfortunately, after the fact, but in most cases it is a preventative intervention.