Fraudclosure | Lender Processing Services (LPS) Internal Email Accidentally Leaked

4closureFraud's picture


Lender Processing Services (LPS) Internal Email Accidentally Leaked in a Fraudclosure Case has received a very interesting court-certified document to share with our readers. An affidavit from Bank of America representative, Kimberly Sue Daley, refers to attached business records. The documents attached to the affidavit included a printout of email exchanges with the LPS Desktop logo.

The conversation evolves like this:

"Yikes! The name of the foreclosing party (HSBC as Trustee for Deutsche Bank Alt-A 2007-BAR1) matches the name on the affidavit of amount owed BUT that name doesn't match what is in our system. It's pretty far into the legal foreclosure process. What should we do now?"

"Hey, no problemo! We have two options; 1) change the name now and possibly be hit with higher homeowner association fees or 2) quit claim deed the home over to the right name after the sale, but that will cost documentary stamp taxes. The doc stamp taxes will probably be less costly than the HOA fees. Please advise."

"Go with the quit claim deed (QCD). After the foreclosure sale to the trust, just deed the home over to Bank of America! Problem solved."

Text and PDF copies of the documents below.


From: Nicholas Leonhard

Subject: FITNO Issue

The plaintiff on the complaint/AIO and our system of record do not match. Please advise us regarding a reliable procedure whereby the appropriate foreclosing party can be situated in the matter such that we can proceed to judgment of sale'

you very much'


Nicolas S, Leonhard




From: BAC Affidavits
Subject: Re: FITNO Issue

After reviewing the documents uploaded to LPS, the plaintiff on the complaint and the AOI match the information given to us.

Please let me know if I can further assist you.

Have a great day.


From: Nicholas Leonhard

Subject: Re: Re: FITNO Issue

we did an Internal review and see that the investor has requested that we FC in our name, given the point in the FC we are in.

Is this possible? Please provide us with a reliable path to proceed.


From: BAC Affidavit
Subject: Re: Re: Re: FITNO Issue
Good afternoon Nicholas

This should be corrected by quit claim deed after the sale takes place. Changing the plaintiff at the time of sale may result in significant increase in fees due to the condominium or homeowner association involved in this case. correcting post sale may result in documentary stamp taxes being incurred, but the taxes should be less than the association dues unless the loan is very large. Please note your system and advise us to make this correction when you advise of your bidding instructions


Intercom Message ;: Client Ref # 7419g144 :; Vendor Ref #

FROM: Leonhard, Nicholas
TO: Affidavits, BAC;
DATE: 8/17/20t1 7:30:00 AM
SUBJECT: Re: Re: Re: Re: FITNO Issue
TYPE: General Update

We approve your recommendation to do a QCD. Thanks for your help.


Nicolas S. Leonhard



LPS Internal Emails Pg 1 - Foreclosed in Wrong Party Name

LPS Internal Emails Pg 2 - Foreclosed in Wrong Party Name

Lopez Affidavit Pg1-1

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GittyUP's picture

While this is defintely not ok I dont see how it changes the fact the homeowner stopped paying and should be foreclosed upon???  Next....

indio007's picture

Your a troll. Notwithstanding that does that mean any 'ol person can sieze a house that has mortgage in default? (not that the banks limit themselves to defaults)

yes... let's just have a free for all. Hoepfully you will go into foreclosure and some random peon will swipe your home. Then the true lender can come back with a deficiency judgment for the entire amount of the note so you can slave for the till the end of time as well.

hangemhigh77's picture

and, as a matter of principle SCREW THE BANKS.  They defrauded millions, crashed the world economy, destroyed milliuons of jobs, starved people,  took bailout money, paid themselves with it and then proceeded to throw families out of their homes because they didn't have money to pay their mortgages because they didn't have jobs anymore because the banks stole everything from everyone.  I like Iceland's model, tell the banks to go to Hell and tell the people their mortgages are paid and they own their houses free and clear.  Let me just reiterate......SCREW THE BANKS.

Dburn's picture

Gittyup there

We can see it is far more important to to you to see someone thrown out on the street guilty or not, rather than goinb to court to prevent the  rule of law to be broken for the trillionth time by the banks .

That still doesn't excuse the obvious fact that you are a douche-bag of the soiled used and smelly variety. No that's not attacking the messenger because this poster  has  no facts. He just made it clear that regardless of the circumstances someone didn't pay there bill and should be homeless even if it might be totally incorrect and against the law.

El's picture

Let's take a look at just a few things we know about many of the biggest lenders:

- They have attempted to foreclose on people who were current on their loan;

- They have attempted to foreclose on people whose mortgage they never held; and

- They've taken on time mortgage payments from people in good standing and escrowed them, even though the terms of the loan provide for the T & I to be paid directly by the homeowners (who did and were current all the way around), resulting in the account appearing to be delinquent, upon which they attempted to foreclose.

I could go on and on, as these few statements are only a tip of the iceberg. So, when you assume the homeowner stopped paying and should be foreclosed upon based solely upon the fact that a proceeding was brought, you lose a lot of credibility in my book. This has been going on long enough that we should know by now that you can't assume anything anymore regarding these lenders. Name a sketchy, sleezy, unethical and illegal act relating to mortgages and servicing in the past decade...they've done them all.

eatthebanksters's picture

GittyUP, do you think we should have used taxpayer dollars to bailout the banks?

GittyUP's picture

While this is defintely not ok I dont see how it changes the fact the homeowner stopped paying and should be foreclosed upon???  Next....

ThisIsBob's picture

Since the founding of the Republic, nay, since the Magna Carta, in order to forclose a mortgage you have had to show up at the courthouse with the right paperwork.

But what do they know, right?

ebworthen's picture

Gives rubber-stamping a whole new dimension.

The banks are our government.

eatthebanksters's picture

The 'To Big Too Fail' Banks are bigger and stronger now than before the housing crisis started.  These banks and others are guilty of making foolish loans to people who could never repay them.  They are guilty of predatory practices.  They are guilty of robosigning fraud.  They are guilty of tax evasion with respect to MERS and documentary transfer fees.  They are guilty of securities fraud with respect to packaging and selling the securities.  They are guilty of fraud in the course of selling securities and then betting against the securities they sold.  Obama, AG Holder, why have their been no investigations and or prosecutions?  Why are the statute of limitations running out so these criminals can go unpunished and continue their criminal behavior. You rally for the 99% but are the biggest recipient of campaign contibutions from the likes of Goldman Sachs and JPM/Chase.  Who do you really stand for?  Will true financial reform ever take place if you remain in your positions of power?  Will there ever be any investigations or prosecutions?  Will you continue to run a two tiered justice system?

Whie these criminals go scott free and are the recipients of billions of tax payer bailouts, families are forced out of their homes for making unwise decisions based upon the advice of criminals.  While the TBTF banks lie to people in distress and give them false hope they bleed them of the last of their savings, hoping something will be worked out so they can keep their homes.  When the savings ultmately run out, only then do the lies stop...and the home owner loses their home.  The TBTF banks suck everthing out of the little people and when their is nothing left suck out of them, the hang them out to dry.  The people who run the TBTF banks are supposed to be smart and not make the kinds of 'mistakes' that were made. For being smart, reckless and criminal they are bailed out with OUR TAX DOLLARS and continue to make astronomical wages.  The little guy, the unsophisticated guy, he makes a mistake, not reckless or criminal, he gets taken to the cleaners, loses everything...there is no bailout for him or her and in most cases not even a job.

Mr. Obama and Mr. Holder, if you believe in justice and have any shred of principle, you will do soemthing to address and rectify this crime against so many.  If you don't, then don't be surprised when the class war you have been espousing breaks out and catasrophic consquences ensue.  If you can put principle before ambition and uphold decency in the face of corruption, then you will deserve to be relected.  Otherwise I hope you burn in hell with the gangsters that are running this country into the ground. 

chunga's picture

I agree with everything you wrote.

Isn't it odd that somehow these banks are bigger and stronger now that they've "lost" all sorts of money after making millions of loans that didn't get paid back?

One might think quite the opposite would occur.

Much like the shock market; something here isn't as it appears.

Make loans that don't get paid back as a (lucrative) business model...hmmm.

I believe that whatever that "something" is - is the reason for all these document "mix-ups".

SEC mulled national security status for AIG details


The SEC agreed to let AIG keep that information confidential until November 2018 -- or the 10th anniversary of the bailout. Critics contend that without the redacted information, it is difficult to determine which of the 16 banks had held the worst-performing securities, and which banks originated the worst of the troubled securities.

Joebloinvestor's picture

Business as usual it seems.


Create phony paperwork and move on.


I hope someone goes to jail, but I ain't holding my breath.

chunga's picture

Sharon Bock stamped this thing and needs to go.

Bock is being opposed by Lisa Epstein in the upcoming election.

A vote for Lisa would be a vote against allowing this shit being filed in the county records. She would stop this garbage.

Lisa Epstein for Clerk of Court

NotApplicable's picture

Then voting her into office would put her life in danger, as the cartel simply won't stand for being exposed in that fashion.


chunga's picture

That is a valid point.

I've known that girl for quite some time and I'm very fond of her.

Lisa is a tireless and committed worker, very intelligent, and has shown absolutely no fear. 

tony bonn's picture

i love the smell of exposed corruption - especially when names of crooked scum are detailed.

thank you 4closurefraud!!!!!!!

Benjamin Glutton's picture

quit claim deed fixes everything!




foofoojin's picture

In Soviet America, quick claim fixes YOU!

bank guy in Brussels's picture

Foreclosure, gunfire, death and an inferno:

« This past Thursday, a Modesto, California, man whose house was in foreclosure shot and killed the Sheriff’s deputy and the locksmith who came to evict him from his condominium unit. Modesto authorities responded by sending 100 police and SWAT snipers to counter-attack, and it ended Waco-style, with the fourplex structure burning to the ground with the shooter inside. ...

The shooter who died was 45 years old and he appears to have lost his condominium over a $15,000 home equity loan he took out almost a decade ago, owed to Bank of America. The condo was sold at an auction for just $12,988 to a shady firm, R&T Financial, that doesn’t even have a listed contact number. »

Nobody For President's picture

Fuck me. I live in and try to follow N.California news reasonably close - and I find out about this from "a bank guy in Brussels" ?


Here is the 'local' newspaper article:

In a way, given the level of fraud and corruption in the foreclosure process, I'm kind of surprised this does not happen more often.

Ripped Chunk's picture

Not covered by mainstream (corporate owned) media

Zero Govt's picture

Horrific example of what big bankers/corporations do, they have no one-to-one relationship so have no clue ...and to think this must have cost $1,000's to scramble 100's of Police and Swat teams and far more than the property was worth burned in the insuing shambles

when will Bank of Americas scum be in front of court for the costs and damage?

Abiotic Oil's picture

Classic JBT manuever.

I would bet physical that that the JBT's, being upset over losing their fellow Jack Boot, launched some gas canisters into the place. Gas canisters that just happen to be quite incendiary when they first ignite.

It's a classic tactic they use.

"The gas 'accidentally' lit the structure on fire and burned it to the ground. We tried to rush in and save the occupant but the fire was just too intense."

sskid's picture

Actually they prevented the fire department from putting out the flames, they waco'd the guy.   I used to like firefighters....but after reading stories about them watching someone drown because it is not their 'job' I'm not so sure.