Undeniable Evidence Exposed: The Factual Proof They Stole My Home
This isn’t opinion — it’s documented fact, supported by official records, investigative reports, and legal rulings.
For more than a decade, I have been gathering undeniable evidence that GreenPoint Mortgage / Capital One illegally foreclosed on my home without owning my loan. The evidence here is just a portion of what I have — but it’s more than enough to prove the fraud.
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Official Documents
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Investigator’s Report
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Legal & Regulatory Findings
Credit Report Confirms Foreclosure Timeline
This excerpt is from my Experian credit report — pulled four years after the fraudulent foreclosure — and still showing the foreclosure status. The fraud was reported for seven years by all three credit bureaus.
I considered redacting my address, but I want my story to be transparent. I have nothing to hide.
Also, I refer to them as GreenPoint/Capital One because that’s how they appeared on my credit report.
Why It Matters:
Confirms my account was marked “Foreclosed” in July 2007.
Matches my records showing GreenPoint/Capital One refused payments and pushed me into default.
Demonstrates the long-term damage: 7+ years of credit harm from an illegal foreclosure.
The Fraudulent Assignment
In the mid-1990s, the mortgage industry created the Mortgage Electronic Registration System (MERS), a national database where the majority of mortgages are registered after closing. By 2007, MERS had registered roughly two-thirds of all U.S. home loans.
When a bank wants to foreclose, it must obtain the rights to the title back from MERS. The document proving this transfer is called an Assignment of Mortgage — signed and notarized — and it is mandatory for foreclosure.
When I received the results of a securitization audit on my GreenPoint loan, it included the Assignment you see here. It’s signed by “Tina Jones, Assistant Vice President, Mortgage Electronic Registration Systems, Inc.”
The Fraud:
No Tina Jones ever worked for MERS.
Her name appears on multiple robo-signer lists.
A California Superior Court judgment found Tina Jones to be a robo-signer and ruled any documents she signed to be invalid and void.
It’s likely “Tina Jones” didn’t exist at all — someone else simply signed the name.
The notary, “Tracy Wright,” is also on multiple robo-signer lists. Compare Tina Jones’ signature to Tracy Wright’s on this document. They match — suggesting the same person signed both. The month was even crossed out and backdated to fit their foreclosure timeline.
Per that order, it was noted:
Tina Jones is not and was not an employee of MERS during the years 2006 through the present. As a result, any and all documents Tina Jones executed are invalid and void.
Tina Jones was a "robo-signer. " A Robo-Signer is an individual who allegedly on behalf of one of the parties to the foreclosure improperly signed documents without reviewing these documents for accuracy, and who signed large volumes of documents in this manner on a daily basis and did so under the guise of being a bonafide corporate officer.
The Smoking Gun
The assignment from MERS to GreenPoint on May 14, 2007 was impossible — the loan had already been sold and securitized into the GSAA 2006-14 Trust (Goldman Sachs) before September 25, 2006.
MERS had nothing to assign. GreenPoint had nothing to own. But they made one up anyway.
“A person who falsely makes, alters, forges, or counterfeits a public record… in relation to an assignment… is guilty of a felony.”
Foreclosure Filed Under Fraud
This Sheriff’s Deed, dated June 26, 2007, is the official document from Oakland County stating that my property at 23860 Majestic was sold at a foreclosure sale.
The key statement in this deed claims the mortgage was “now held by GreenPoint Mortgage Funding by ASSIGNMENT.”
That’s a lie.
By the time this document was recorded, my mortgage had already been sold and securitized into the GSAA Home Equity Trust 2006-14 (Goldman Sachs) in 2006 — nearly a year earlier. GreenPoint had no ownership interest in my loan, no standing in court, and no legal authority to foreclose.
Why It’s Critical Evidence:
The Sheriff’s Deed is the final step in the foreclosure process — the document that actually transfers the property.
If it’s based on false ownership claims, the foreclosure itself is void.
This deed proves that the entire foreclosure was built on a fraudulent foundation, because the “assignor” (MERS) had nothing to transfer and the “assignee” (GreenPoint) had nothing to own.
Without this deed, GreenPoint couldn’t take my home. With it — and its false claim of ownership — they did exactly that.
Independent Audit Confirms Fraud
“This is a fairly simple and straightforward case of wrongful foreclosure due to fraud.”
In 2017, after years of hitting walls with regulators and attorneys, I hired a Certified Fraud Examiner to conduct a full securitization audit of my mortgage. This was a turning point in my case.
The findings were unequivocal:
GreenPoint Mortgage never owned my loan at the time of foreclosure.
The loan had been transferred into the GSAA Home Equity Trust 2006-14, sponsored by Goldman Sachs, just months after closing in 2006.
The Assignment of Mortgage used to foreclose was fraudulent — executed by a known robo-signer with no authority.
The Sheriff’s Deed was filed based on that false assignment, completing the wrongful foreclosure.
The report also detailed how the foreclosure violated Michigan property law, contract law, and potentially criminal statutes, given the falsification of public records.
Why It’s Critical Evidence:
This is not just my opinion — it’s the conclusion of a certified financial fraud professional. It connects all the other documents into one airtight chain of proof showing that the foreclosure was illegal from start to finish.
The Evidence of Fraud is undeniable
This case is not about a clerical error or a misunderstanding. The documents here show a deliberate, calculated process in which a major bank manufactured the paperwork it needed to take a home it didn’t own.
Here’s why it matters beyond my case:
It’s systemic: Millions of Americans lost their homes during the foreclosure crisis, and countless cases involved the same fraudulent tactics — robo-signing, false assignments, and foreclosures by non-owners.
It’s precedent-setting: A win in my case could establish legal precedent that banks cannot foreclose without actual, verifiable ownership of the loan — a basic protection that should already exist.
It’s accountability: Banks and their attorneys have learned they can commit fraud at scale with minimal consequences. A successful lawsuit forces accountability and may deter future abuse.
It’s about justice for victims: Most people caught in foreclosure fraud don’t have the resources to fight back. My evidence could be a template for other victims to challenge their wrongful foreclosures.
The fraud in my case is so clear that even regulators and courts acknowledging it would send a shockwave through the mortgage servicing industry. This is why the banks fight so hard to avoid these cases getting to trial — and why your support matters.
They knocked me down — but they didn’t break me. I refuse to let them win.
Donate Now to help me refile my case and hold them accountable.
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