CITIMORTGAGE CFO Gerspacht, and Yesenia Soto, Bernice L Payne, DeJuan Shealey, and others of the Homeowner Support Specialist Group & Executive Response Unit and acclaimed Legal Org FIVE STAR Unlawful lender practices O'FALLON Missouri

Report includes and is certainly not limited to the ongoing and unlawful process of conducting a foreclosure on a property they do not own (unlawful foreclosure), in addition to prevailing failure to protect vital mortgage and/or promissorry note wet-ink documentation, charging for unitemized and falsified investigative and legal services that are never actually conducted, multiple verifiable accounting failures to document all credit and debit entries for the ledger and negligent records and missing entries for major and key payments and failed efforts to honor reinstatement conditions despite borrowers' adherance to the planned schedule of credit and apprpriate account default resolution as promised.  Then, putting the borrowers in a position as the perpitrators for the default retained by the conduct of all departments involved attempting to conduct a fault ridden set of fees, legal charges, and interest payments added to an already under-water mortgage balance previously over-ionflated through a suspicious modification process in 2011, verified by the Idependant Foreclosure Review Process by the Root Consulting organization. 

The borrowers', forced to gain assistance through outside assistance vehicles still in forward and proactive results for reinstatement or prinicple reduction efforts, were responded by the lender and their alleged service companies (Five Star $ Sage Point) entering the required procedures reserved for the legally authorized owner or service company holding the complete set of promissory and mortgage notes signed by the borrower(s) in the original purchase of the property, moving forward with the foreclosure proceedings and fully intend to harm the borrowers with the homelessness and certain assurances for life threatening results for the family affcted by the afirmable terrorist motivated acts consistantly and constantly presented in the actions of any and all representatives of the Homeowner Assistance and Executive Review Units of Citimortgage, Five Star & Sage Point organizations under the cover of rationalized (yet to be verified) legal position and alleged ownership of the interest in the property they are in the process of stealing from the homeowners..

Upon the borrowers' own efforts to resolve the servicers' multi-disfunctional staff and conduct, gaining pre-approval status for reinstatement through an outside organization, only then proiceeded with their unverified and potentially illegal foreclosure process and are trying to sell the property at auction before reinstatement is completed, denying the homeowners' the opportunity to mintain their home and violating state and federal law by trampling on nearly every one of the latest California Homeowners' Bill Of Rights throughout the entire process.