Description

The letter was sent to appear as if from our former lender, which is now permanently closed, and asks me to call to verify the information above, including a Home Owner ID number that I’m unfamiliar with. Below are more details, including the Home Owner ID listed again along with our names. The body of the letter reads as follows: This letter is to inform you about an important matter regarding the property at (our address) secured by your current lender which is (name of our former, not current, lender). We reserve the right to revoke allocated waiver after 7 days of receiving this notice. Please call IMMEDIATELY as this will be our FINAL ATTEMPT TO NOTIFY YOU 888-467-3210. Phone number listed again below along with hours of operation Mon-Fri 8am to 5pm PST. No Saturdays. Then goes on to give Spanish directions to call 888-425-4171. Below this is a document made to appear as a check listing the Home Owner ID again. The amount is $199.00 To the order of (our names and address). This appears at the bottom with the line left blank. Signature _______________ Below the "check" Not all consumers have previous coverage. Not affiliated with (lender mentioned again in ALL CAPS). Followed by THIS IS NOT A CHECK. But of course the part below the "check" is in fine print and until that point they've made you believe it is FROM the current lender! Reverse side of "check" at the top is a line that says ENDORE HERE with an X _______________ even after the front states it is NOT A CHECK. At the bottom of the reverse side of the "check" says Federal Reserve Board of Governors Red. C. C. Then says face of document is blue. Document security includes: microprinting and simulated watermark.