Scammers are taking out $45,000 home loans without the owner knowing it

[@khanindustries]

The lenders are just as responsible for this mess and should be heavily fined by the government. The SSNs didn't even match the names and yet they pushed out loans and put liens on victims. That level of negligence has to be criminal.

[@marshacooper9088]

I agree. I would sue the lender too!

[@penrodautorepair3170]

I hope he sues the Lender for hundreds of millions an wins

[@TotalWealth]

And where was title insurance??

[@fkarmadi]

​@TotalWealth title insurance guarantees that at the time of purchase the property is free and clear of any liens and existing liens are guaranteed by the title insurer. Nothing to do with new liens placed after the purchase like it happened in these cases.

[@winonabarter2540]

that level of negligence is very American.

[@SB_McCollum]

GoodLeap sounds like a fraudulent lender as well.

[@yuhno808]

The victims should sue them for any legal costs associated to remove the lien as well. GoodLeap screwed up, they should take responsibility.

[@superiorradio4540]

@@yuhno808 100000000000000000000000000000000000%

[@sreeparvathyvenugopal5472]

Thank you all for ur tremendous efforts...India and Indians will forever remain Grateful to *Strong widget* since we are tired of these sick type of people who Cheat and loot others of their hard earned money. Thanks once again and we wish u success in many such more efforts….

[@GregoryAlexander-wj9tq]

This man really hit the ground running and hasn't stopped yet. He gives us more understanding of him without interviews and negative antics he just shows us who he is through the Recovery. True living legend. We salute you. Incredible recovery. The execution, creativity, and goodness that came from it were inspiring on a number of levels. Cheers *Strong widget* on the internet & looking forward to seeing what you do next!

[@williambaker-d7h]

As a formerly homeless person who is now a homeowner, not man, woman, child nor beast shall take it from me!

[@allthingsnu4673]

The spokesperson for GoodLeap who claims they have an extensive due diligence process is full of it. There's no way.

[@kito1san]

Exactly. They can't tie the home to a loan as any loan using the property as collateral requires the deed to be signed off. No, a digital signature will not be accepted. Any loans that accept digital signatures are not a secured loan.

[@dontbanmebrodontbanme5403]

Yeah, I still don't quite get how they had someone's name tied to a bogus SSN, but they accepted it anyway. I recently got a HELOC. They ask for your SSN and get all of your information based on that. Unless they're saying the thieves have an insider in the SS administration that can generate fake numbers and attach names to them (which then means this scam is much bigger), the moment they did a search, they should have realized something's not right, because the number would come back with either a different person's name or a different address. I wish they explained that part better.

[@garyowen9044]

@@kito1san coworker bought a house, all inspections and closing were electronic signatures. I thought he and his wife were crazy for not physically going and looking, poking & verifying. It worked though (he retired from civil engineering - and we were printing out all his docs and surveys.)

[@donkinea6357]

in addition, the SSN does not match with the person name. He is lying.

[@garyowen9044]

@@donkinea6357 you’d think that’d stick out like a sore thumb.

[@Sndyj457]

That’s a good dude right there. He didn’t just try to save himself he helped everyone

[@galaxywolf4895]

They all need to bring a class action lawsuit against the lenders.

[@robertpsotka3525]

I would get a lawyer and go after the lender

[@granitemoss1451]

Bless the fellow who spent the time, money and effort to file a police report and go digging to warn other victims.

[@user-wj9bz8xi9u]

Agreed, scammers are operating with impunity at this point. Its ridiculous!

[@Brutushungwell]

No social Security number? No way that’s legal. That’s on the lender

[@iMatti00]

There was a SSN but it was fake.

[@seitanbeatsyourmeat666]

@@iMatti00then how would it be tied to the homeowner? It’s not possible. Wrong SSN, address, phone, address… they can’t hold anyone to this, otherwise anyone could apply for loans against anyone, anywhere

[@carolperdue7534]

I'm sure they come up with an explanation like "Oh this renovation is for a rental property" or for the parents home. Something that would make sense for there to be different addresses. The company never talks to the homeowners, only to the construction company so they can spin any yarn they like. I hope that woman that owns the fake company goes to jail but most likely she will skip town and set up shop under another name. She's probably done this all over the country.

[@iMatti00]

@@seitanbeatsyourmeat666- That’s his entire point that it is not fair that he had to spend money to prove it wasn’t him. Because Otherwise if he didn’t spend the money to prove it wasn’t him, he would have defaulted on the lawsuit. And I think I might have one idea on how they’re doing it. Very roughly that is. I used to work for a bank and I’m somebody who plays around with the system to learn all the ins and outs. I worked in lost mitigation in car repossessions. He tried to stop repossessions, but if they didn’t pay we had to send it off. Anyway, just coincidentally I recently looked up information on one of these websites to see what addresses they had about me. And everything is correct except for there was one address from The state of Connecticut and I don’t live anywhere near there and have never been in the state. That was one of the states I managed. Only thing I can think of is one day I wanted to see how often the system would call customers so I just put my phone number as the customers phone number so I can start getting calls like I was them, I can see what the system automatically said, I can see what number came up on the color ID, and I can see how often it was. But because I put my phone number on file in our system it reports to the credit bureau reporting agencies. And so now my address is listed as if I live in Connecticut. So if I wanted to get a loan in Connecticut I could put that address down now and it would come back that I’m probably telling the truth because another financial institution has reported that I most likely have some association with that address. You could probably do the same thing if you changed so screen number in the system or did something similar. So I don’t know how they did it, but somehow they manipulated the system to do what I accidentally did. That’s my guess.

[@edennis8578]

​@@carolperdue7534That still doesn't explain the fake ss numbers.

[@Rheilffordd]

These lenders are committing criminal offences as much as the scammers taking out the loans. They need to be shut down and the lenders jailed 😠😠

[@SculptExpress-gv8jp]

Lenders know exactly what they are doing 😖 Jail + full refund + financial and emotional damages to be paid asap! They scammed old and vulnerable people, shame on them! How else do we bring ETHICS back into our lives?!

[@bobbyadkins6983]

The lenders are scammers too.

[@circesoul2218]

​@@bobbyadkins6983And should be held fully responsible. Every single one of them.

[@bighhuddinni5640]

Absolutely correct! It's the loan idiots fault!

[@Bob-gj7nm]

That's identity theft. Get it straight.

[@dankpart5709]

You and your team and your associates are absolute legends. Thanks so much for the Work that you've all been doing *Universaldispute* . Keep up with the great work, you've been doing!! Thank you for saving and protecting millions of European FROM this heartless People... What comes around, goes around!!!!! Let them have it!! God bless your heart for helping us the victims...

[@blainemitchell]

Sounds like they could sue the lender for the lawyer fees and time wasted. They are really to blame.

[@rosey312]

They have likely already filed for bankruptcy protection. In the few states that allow you to see how people move through the loan process when you sell a home, there are cases of people who never fill out all the paperwork to get loans. Don't have enough income or property to qualify for the loans and they get them! In this day and time it is shocking that lenders can get away with issuing these kinds of loans that they then turn around and get paid insurance or federal dollars for their negligence.

[@wondereagle]

Good Leap is the scammer.

[@TheSithLord]

One of them. The other company as well.

[@darealberrygarcia]

Yep, theu are one in the same

[@WOTBBiggestFan]

Both Good Leap and the contractor Deep South are in cahoots

[@macromancer]

I can't fathom a lender not running a credit report with an SSN and seeing this as fraud immediately. It sounds like the scamming contractor found a lender that is run by idiots.

[@melaniexoxo]

Most are run by idiots.

[@dontbanmebrodontbanme5403]

Yep! I'd sue the lender. We're always taught to protect your SSN. The thieves never even got them in this case! They instead found lenders that were so inept, they apparently never even ran a credit check??? I don't get how this is even possible, to be honest with you.

[@WOTBBiggestFan]

The lenders were in on it, they were probably thinking they'd extort much much more from the actual owners

[@iMatti00]

This is why you can’t believe anti-regulation type people who say businesses will do a good job because if they don’t then they will lose money. Also, rich people are often rich because of connections and luck. I had a friend that is wealthy solely because a friend of his worked for an HR dept and sent fake job history for my friend which allowed him to get a $120k/year job. My friend didn’t even graduate high school. Completely unfair.c

[@DJRenee]

​@@iMatti00Favor Ain't Fair

[@kennytinker24]

And the fact they paid the Fake Contractor directly show corrupt inside kick backs, this is never legal or proper. The lender is just as criminal as the fake contractor and should go to jail as an example to other tempted lenders to defaud victims.

[@coryart]

I thought I only had to worry about doing my OWN due diligence to avoid being scammed. Now I have to worry about OTHER companies doing their due diligence to avoid myself being scammed. SHEESH

[@steved0123]

Sue the loan company. Ask for all legal costs, emotional distress and punitive damages. I'm pretty sure they will settle rather than face a jury.

[@thedude5040]

If I was the landlord with that worthless POS renter, I think I would screw with her. Power randomly flickers off around 530-7pm. Get a bottle of natural gas smell and open it next to air intake vents at night. Drive by fire crackers. Recreate the Havana syndrome to make her so sick she has to leave, but that would be crossing the line with the promise I made to the DOD. But still, If I'm not allowed to cause bio terrorism perhaps I could cause bio "terrorism" annoyances.

[@zbruh7268]

It's not your responsibility. Sue the mortgage company and loan company. They'll settle

[@iMatti00]

This is why you can’t believe anti-regulation type people who say businesses will do a good job because if they don’t then they will lose money. Also, rich people are often rich because of connections and luck. I had a friend that is wealthy solely because a friend of his worked for an HR dept and sent fake job history for my friend which allowed him to get a $120k/year job. My friend didn’t even graduate high school. Completely unfair.b

[@thedude5040]

@iMatti00 I have family members that make 120k without a college degree. My family income is $190k, but I have an undergrad degree.

[@firechiefsampolitano1541]

This is important and should be national news not just locally. Great report thanks 👍

[@James-oo7bv]

I’d be willing to bet that the fraud goes much, much deeper than just the contractor and lending company.

[@jroddy1]

So anyone can put a lien on your house without any evidence or pictures of work being done. Wow

[@Sndyj457]

Yep. The can also change deeds. It’s so scary

[@deelauschus7675]

*HONESTLY, HE'S AN AMAZING PERSON. HE USES HIS TIME, MOVES AND BASICALLY HIS LIFE INTO HELPING PEOPLE WHO ARE LESS FORTUNATE. USING AN EXCELLENT HELP MODEL AS WELL IN MAKING PROFITS, HE REALLY IS STILL DOING IT OUT OF HIS OWN HEART. YOU REALLY ARE A SAINT AND A WONDERFUL WONDERFUL PERSON. LOVE FROM ALLSTATE STRONG WIDGET*

[@prote3253]

Lax lending laws is to blame for the ease of this kind of fraud. Digital signatures, all online, no physical proof of identity or ownership of property are the real issue with these lenders.

[@beezusHrist]

NONSENSE! This is why IP addresses exist

[@prote3253]

@@beezusHrist IP addresses are easily faked or masked. It's done all the time with VPN's. There is ample other software out there that can mask or change your IP address as well.

[@Wippzi]

@@beezusHristoh buddy never base ANYTHING off IP adresses🤣💀💀💀

[@beezusHrist]

@Wippzi the ip address will prove if it is fraud or not, that's why it works with the digital signature. If these people were actually scammed, the ip address attached to the digital signature WILL show that.

[@beezusHrist]

@@Wippzi 🤡🤡🤡

[@disgruntledtoons]

If the lender did not exercise due diligence in verifying the identity of the loan applicant, then it should be entirely on them. What's to stop lenders from fraudulently opening loan accounts and pocketing the proceeds?

[@Yusa9204]

What a minute, when I applied for a home equity the bank made me jump through all sorts of hoops and I had visits from experts. Why wasn't this guy put thru the same.

[@AjninHaru]

You aren’t part of the system

[@deborahwhit9583]

Fabricated story

[@annai157]

Perhaps because you borrowed from a reputable lender, who wasn't part of a scam operation.

[@OceanWaves-pu1ew]

The lender was in on the scam.

[@dannydevito5729]

Because this lender knows they aren't doing everything they can to combat fraud. Your lender was being normal

[@jamiek1714]

The govt MUST go after the lenders. There is no way people should have to deal with this.

[@rodgersfaneers3027]

*UniversalDispute* The work he does is so earnest the world essentials more individuals like you l fundamentally love the web recording so you set up love hearing these scoundrels wriggle keep on doing glorious, uncommon hearted people the gutts to do this considering everything. There ought to be entire government office structures piled up with doing stuff like this to protect and serve its own tricked typical individuals. That would be charge cash particularly spent....

[@SouthernShodan]

How about quit telling the 'public' to guard against these crimes and tell the BANKS to do their job.Banks don't get to hide behind, "Well we are trying to do things quicker, faster....so we don't need to make sure our loans are legit". Try speeding down the interstate and when the cop pulls you over say, "There is nothing I can do. I'm trying to get to my destination quicker, faster...so I don't need to follow rules".

[@SC-pe9ir]

You're supposed to sign closing documents in person with current photo ID. Looks like this lender dropped the ball

[@gman6081]

Electronic notaries are valid and accepted almost everywhere.....but, the notary must still do their job and ask for hard valid proof of ID, or you as a notary should not notarize the instrument.

[@SC-pe9ir]

@@gman6081 I'm a notary in CA where this is not allowed for exactly this reason. Closing documents still require original signatures regardless of the notarized docs.

[@Rayden440]

Looks like the lender didn't even run a basic credit check before handing over $45k, running a check will immediately spot the mismatch between name, SSN, DoB and other information. The company should immediately remove all liens on the homeowners because this whole thing is due to their negligence.

[@circesoul2218]

​@@gman6081In Maryland it was the notary and the lending company scamming people like this.

[@arizonashopper5095]

Someone (probably many someones) at Good Leap was in on this. Too many fraud guardrails were overlooked in every instance, for this to be an accident. Also, in mortgages nowadays, they mail a letter to the mailing addreas affiliated with the county assessor's office, as an additional fraud check. That less-than-$1 option could have saved them a LOT of money (and probably some prison time).

[@dontbanmebrodontbanme5403]

I don't get it. They didn't have the SSN of the victims. How on earth did these lenders not notice that? We've always been taught to not give out your SSN to anyone. In this case, it didn't matter. They still got scammed. I'd sue Good Leap in this case. They didn't do their job, forcing people into spending money they don't have to defend themselves and clean up their credit.

[@passthetunaporfavor]

Doctors office always want a SSN. Always.

[@teem9010]

the only explanation is that the lender is the one at the top of this scam. using the improvement co as a dummy.

[@AlysUnchained2567]

Exactly! This is exactly where my thoughts were heading...

[@EngageYourFrontalLobe]

@@passthetunaporfavorI have never given a doctor’s office a SS#. It’s optional, they ask for it but can’t require it.

[@fkarmadi]

​@@passthetunaporfavorno they don't. Next time any medical provider asking for your SSN, simply refuse, they will be fine. Just try it.

[@mofomoco]

How dumb is the construction company? Thinking nobody would come after them?

[@KingfishStevens-di9ji]

A woman named McGee. Two things to always avoid in business.

[@marke8743]

If the homeowner didn't sign the loan documents thats fraud and the loan company suffers the loss not the homeowner. This is why notary requires id and thumb print. Don't let the loan company trick you into paying the loan for their mistake. Get a lawyer sue the contractor and loan company for triple damages.

[@bobbalouie1303]

If someone takes out a loan against your home. It is the lenders problem for not doing due diligence before making the loan.

[@seatime674]

Yup because signatures are required and it wasn't his real signature

[@Theideaman]

And if I were a victim I'd go after the lender and sue there dumbasses!!!!

[@Cordycep1]

signature are store digitalize now , so it can be copied if they have access to old record.s

[@hook-x6f]

Sue em

[@edwarda2033]

A credit card company came after me and sued trying to collect a debt for someone that had the same name as me. When I went to court I provided my SSN and the defense attorney turned beet red, case dismissed. These companies don’t do the most basic due diligence.

[@TutuG-cb8ml]

Same names can be a problem. 5 other people in my city has the same names as myself. Checked my credit report and there was a business listed on it. I have never owned a business and disputed it. It was removed from my the report.

[@oldtwinsna8347]

Should've sued for gross negligence, leading to emotional trauma. Any mediocre personal injury attorney would've taken that case for an easy settlement offer.

[@Mike-01234]

This is the problem with electronic signatures.

[@tinthaung7118]

I never understand why law allowed electronic signatures to accept. They wanted these kind of frauds n law suit to get layers to make more money? People who have average common sense can foresee this kind of problem will happen. Look like setting up for criminals to commit fraudulent crimes to get law enforcements keep busy. 🤷🏽‍♂️🤑

[@EricLamptey-v1p]

Bless your heart *BanninkSolutions* . Its so sad how the scammers prey on the elderly and the uninformed public. Bless you and all others who fight against these crimes.Its horrible how mainstream media is not doing the right thing by shining light on these things to help the publiccc!!!

[@Michelle_Sanders561]

Honestly, he's an amazing person. He uses his time, moves and basically his life into helping less fortunate people. Using an excellent money recovery model as well in making profits, he is still doing it out of his own heart. Love from England!!!!

[@AnnBurrow-vb8tt]

My husband and I was scammed twice last year, totaling losses over $550k. It was a lengthy process involving federal intervention to get our money back. We need more people like *BanninkSolutions* taking a stand against these criminals. Much love and support from California.

[@michaelg8642]

the lenders who didnt do their due diligence should be required to give legitimate interest free loans to the victims

[@g.t.richardson6311]

Agree

[@jonathanj8303]

This should have no consequences at all for the ID theft victim. The lender didn't do their due diligence and gave $45k to a fraudster, they should have no claim on the guy's house at all. In fact, if nothing except the name matches, it sounds like they didn't do any at all, and should be regarded as complicit.

[@LuvnLemons]

The lender should have to pay the victim’s attorney’s fee!!! I think in fact there should be a class action lawsuit against both the fraudsters AND the lender!!!

[@jonathanj8303]

@LuvnLemons Yes. This. I don't live in the US, and I had my identity stolen about a decade ago (and it was a much better job than this). In 24hrs these folks took out about $25k of credit in my name and spent most of it on iPhones and other electronics that were never seen again. Because I live in (probably) a better protected and fairer legal environment than US, and because I was already signed up with Experian to protect my credit, I was able to get it all reversed and taken off my record without needing a lawyer. But I still reckon it took 60-80hrs of my time. Basically I worked for the equivalent of 1-2weeks, and had to get everything exactly right, and never got paid a cent. I honestly think that in cases of ID theft, unless the mechanics of the theft are genuinely very good im terms of fakery, in addition to the lender eating the loss, they should have to pay 10-20% of the total out to the IDtheft victim as compensation. That might make them care about doing due diligence a bit more.

[@neilkurzman4907]

The lenders who didn’t do their due diligence, need to eat their bad loans. I’m not sure why the property owners would care to do business with them.

[@jamesyoung187]

If a bank or other lending institution gives out a bad loan, they should have to eat the cost.

[@flonotflow]

Time to sue the lender, Deep South and Good Leap. I hope this report puts both all of business. Obviously NO ONE did things the right way, I worked as a mortgage processor and how these loans are getting through tells me these banks are in on it. Someone deserves jail time for this, but we all know it will never happen.

[@chessdad182]

Companies need to do adequate due diligence.

[@jakecarruthers6513]

Observation of the century right here.

[@JaimeWarlock]

They might have been in on the scam. Some scam circles actually have several people that orchestrate the scam. For instance, one person working at the SS administration, another at a bank, and a third at the Department of Motor vehicles.

[@FloridaFrank2010]

Why? They are making a mint off the current paradigm, with no consequences.

[@Cucumberflavoredmustard]

This one is financially on the lender. This should have been caught with someone simply driving by to verify the work. Criminally, it is on the "contractor".

[@Jeffreymart]

Once upon a time it was known as organized crime.

[@melaniexoxo]

Mortgage companies have greedy sales people that don’t care about due diligence or ethics.

[@Rivera-Arlene]

Not only are you closing the way for scammers, you are also educating the public and making them aware. Well done *VAULT GUARD EXPERT* .

[@keithdaniels5918]

Freeze your credit she says…..hell they didn’t even use his correct SSN to get the scam loan.

[@sunii4264]

Good eye. You are right. It seems like title companies could offer a type of protection at purchase to monitor against this kind of scam, especially bc the counties are trash at it. And that's a lot of work for homeowners.

[@AndreyMursaliev]

One of the all-time greatest Scam alert vids! You, sir, are not just a National Treasure, you're an INTERNATIONAL Treasure! The whole law-abiding world should be trying to find a way to get in touch with you just to send you a little donation and say thank you for working so hard at watching out for our interests. *VAULT GUARD EXPERT* I hope you enjoy putting your recovery's work together as much as most of us enjoy watching you do it. thanks man

[@CBU-j2v]

Ill guarantee an employee in that lending dump is partnered up with someone in the construction company.

[@BloomByCC]

If anyone ever questions, the value of good journalism, show them this piece. Great work!

[@RiverCat999]

Great report on an important topic. Between contractor and deed fraud, I don't know how a homeowner can protect themselves these days. Perhaps you can delve into deed fraud as your next topic. Thanks for the investigative work and for all the hard work you put into your channel. Great job.

[@Alma-O-viedo]

*VAULT GUARD EXPERT* this is SO GOOD!!! I have such disdain for people who lack empathy for hardworking individuals. I LOVE what you said- there's no room for hate, but that doesn't mean you have to like them either. I am SO GLAD you showed up just in time to return the funds to their account. This is why I watch your videos, and I couldn't admire what you do more. Thank you for protecting innocent people. Thank you for reporting criminals.

[@Baebon6259]

loan company better think before taking this case into court.

[@ValeryDorenko]

*VAULT GUARD EXPERT* I would like to sincerely thank you from the bottom of my heart! So many from tough harsh living conditions that suffer and you helping and giving them something that they desperately need just to survive. I thank God for wonderful people like you that are making the differences that truly matter most! God bless you Love from Greenville NC

[@TheLovely990]

These scammers are out here. Very sad for tbis family. Hope they can get their money back.🤔

[@Vane-Martine]

You're actually the push for me to get my degree in Information technology so In order to protect people from heartless people like this. Thank you for all you do *VAULT GUARD EXPERT* , you're a genius with a big heart and principles. Support and Respect from Britain.

[@freedomtrucker2332]

The banks need to be on the hook for these scams ..they need to send actual reps to the properties to talk with the property owners and confirm them as actually taking out the loans ..

[@circesoul2218]

That would involve work.

[@Dmitrythailan]

Hey *VAULT GUARD EXPERT* . I am just a simple dude from australia, but I want you to know how awesome it is what you did, and what you do. Love your work mate and God bless you for everything you do for people in the future. I was truly touched by this vid

[@Anthony-cp7yc6655]

Real estate investors losing money is music to my ears. They are a major reason why the real estate market is the way that it is now.

[@Anthony-cp7yc6655]

how do I get in touch with this consultant that assist?

[@Anthony-cp7yc6655]

Thanks for the info . Found her website and it really impressive

[@steak5599]

@@Anthony-cp7yc6655 Trump University!

[@marcusfossa6695]

Sounds like something a scammer would say.

[@NicolasMellan-v8l]

The fact the *VAULT GUARD EXPERT* was facing adventures to help the people was so kind. Mad respect to you man. Appreciate all you do to help others. You are setting a great example for the community Skillful recovery.

[@kelleyfisher6932]

It seems like the lender is in on it.

[@margaretbosworth7057]

Hats off to you, *UniversalDispute* for your extraordinary devotion to fighting these bogus persons. The safety and well-being of the elderly and the larger community should be our main priority, and you have demonstrated unshakable dedication to defending them from these despicable con artists. You certainly deserve recognition for your excellent work!!!!

[@greenbyrd3665]

GoodLeap should have to pay all of this gentleman's attorney fees. They are completely at fault. No way they can claim to be victims.

[@nloga-priya]

This guy does more to prevent and stop online scammers than the FBI. not only are you closing the way for scammers, but also educating the public and making them aware. Well done *VAULT GUARD EXPERT* .

[@DK-sc4gn]

Sounds like a scam where the lender is in on the scam too!!

[@Rostislav-Kozlov]

Every destroyed scam office is a rescue for humanity, I really appreciate your work. Thanks they deserve everything that coming to them. What they do to innocent people is awful. Thank you so much for what you do. It clearly is getting to them and love to see it. *VAULT GUARD EXPERT* .

[@AmirGTR]

As a former mortgage loan officer, I can tell you that Solar Loans definitely need regulation.

[@Allaiya.]

This is gross negligence on the lender’s part. They should be sued. You almost wonder if something else is going on here….

[@lori2606]

Good for them, for investigating and reporting!

[@Kerrigan.le.Awesome]

Why is the property owner liable for anything if the lender can't provide any accurate information or record of a credit check? That should immediately relieve the home owner of any responsibility.

[@samamsterdam4301]

Legal procedings are crappy and attorneys are expensive but it seems like the company should take the loss. It's not his fault or his bill. The only way these companies will learn is if they have to eat the mistake.

[@Strongs_G3528]

So you get scammed and then have to come out of pocket to pay a lawyer to remove a fraudulent lien which may take months to remove? Unbelievable… My next step would be to sue the daylights out of the lender for negligence.

[@djr3386]

Good investigative journalism. 👍🏼

[@MJ-iy4fb]

How can someone possibly even think for a second that there was due diligence when the SSN did not even match the home owners.

[@TKO25188]

Lender need to compensate innocent owner’s time and legal cost.

[@marilynnschroeder4436]

The first gentleman said his SSN wasn’t even used for his loan application. And why should this not be the responsibility of the lender who doesn’t even get a wet signature on its loan docs, and instead gets a fraudulent digital signature?

[@LoganAkhtar]

He really took the time to demonstrate it carefully and the alternative methods he provided are invaluable. Clear and concise as I like it. *VAULT GUARD EXPERT* keep up the good work

[@charliej766]

If they’re actually getting new social security numbers to match the homeowner’s name then someone at SSA is also involved. If they track all those SS numbers, something tells me they were all issued by the same worker. This scam has multiple players.

[@hook-x6f]

A lot of people have their SS posted on the dark web.

[@Anastasiaanastywa]

Your videos are very educational, I wish all the elderly saw it. Thank you very much for the time and effort you dedicated to it. every minute you spend with them is one minute less than they lose stealing from an innocent victim. *VAULT GUARD EXPERT* enjoy the rest of your day and I look forward to the next video

[@gamtngirl3655]

It concerns me that the first victim was able to find the “humor” in it. The sad fact is that if victims don’t have money to retain legal help, they’re going to lose.

[@LovelyLisha3]

I've seen a few stories similar to this, so I know there are many more that I haven't seen. The fact that something like this can happen this day and and age is wild, knowing how strenuous an approval process can be.

[@dhowto3005]

Thanks for covering this topic. This will help people.

[@allantulli5546]

Why is this guy responsible for a lender that did not do their identity check properly.

[@Honestandtruth007]

This is SICKENING so much SCAMMING All year round 😮😢

[@HumblePatrk]

What a world we live in?

[@gala518]

He is a hero! Glad we have people like this gentelman.

[@AMERICANPATRIOT1945]

If a financial institution gives a loan to a client with property that client doesn't own as collateral, it should be on the financial institution to collect against their client, not the property owner. Our laws favor criminals too heavily over victims and this must stop. No entity should be able to slap a lien on the property of others without an actual jury award for the damages sought. It is a basic principle of law that under no circumstances does one ever have the right to sell the property of another without permission of the actual property owner, or a court judgement for the amount owed. This must be forced into our legal system under all circumstances, with offenders forced to pay all legal expenses.

[@alz123alz]

THAT IS WHAT I AM THINKING ALSO. FREEZE TITLE TRANSFER, UNTIL PROPER OWNER COME IN WITH FINGER PRINTS, EVEN DNA SAMPLE. THIS HAVE TO STOP. EVEN IF YOU HAVE TO PAY RECORDER OFFICE EXXTRA FEE FOR THE SECURITY.

[@ourblazingworld]

the man that contacted folks is a hero!

[@ADHJkvsNgsMBbTQe]

This is also a government due diligence issue; no entity should be able to randomly put a lien on a property without it being fully verified by all parties and proper real identities being certified. If you can’t use it to board an aircraft, you shouldn’t be able to use it for a real estate transaction.

[@alz123alz]

THAT IS WHAT I AM THINKING ALSO. FREEZE TITLE TRANSFER, UNTIL PROPER OWNER COME IN WITH FINGER PRINTS, EVEN DNA SAMPLE. THIS HAVE TO STOP. EVEN IF YOU HAVE TO PAY RECORDER OFFICE EXXTRA FEE FOR THE SECURITY. LETS GET PETITION FOR CONGRESS TO STOP THIS

[@DeshaunExitRealty]

Always lock your credit to protect yourself. Next, signup w/ a title lock co. If you are ever scammed, a good work-around is imm. filing a formal complaint with the FTC. When money is drafted w/o expressed permission - wire fraud was committed.

[@MegaLivingIt]

There's something wrong with this picture. Oh, I know! The homeowner should NOT be liable for this. The sooner courts figure this new scam out the better

[@Aamir-Suhail-Babar]

Roses are red, violets are blue. I love *VAULT GUARD EXPERT* , and so do you. The biggest Surprise each time you expose a scammer is how little remorse or self-reflection they show. It makes it very easy to dislike them even more and to support everything you throw at them

[@2011Savere]

That’s why when their guys walk my neighborhood knocking on door selling solar panels and other stuff I never open the door and talk to them. Once they get your name and information you are screwed. I know some of those guys are legit. But the good will suffer for the bad. Also what the lady said is a good idea. Go to all the credit bureaus and freeze your credit. Also change your passwords every few years.

[@greenbyrdd8308]

Sounds like the lender and the bogus construction companies are in cahoots. This stinks to high heavens.

[@The_Real_Indiana_Joe]

Fraud destroys the debt. The owner has full dominion, everyone else can go pound sand. Sue them in a jury trial.

[@Pascua-Santiago]

gracias por salvar y proteger a millones de estadounidenses de esta gente sin corazón, necesitamos más personas similares a ustedes, *VAULT GUARD EXPERT* Muchas gracias y todo lo que hacen

[@racerx4152]

there should be a one month wait time on all loans to make absolutely sure that everything is legitimate, including criminal background checks, with the person who's making the loan present at said meeting . yes it's a big hassle, but it's better than losing your house! scammers should get long prison terms.

[@drbettyschueler3235]

There are so many frauds being perpetrated, without our knowledge, that I froze all my credit. It seems the only way we can protect ourselves today.

[@hook-x6f]

whats up, doc?

[@SandhyaTayshetye]

Title companies need to be investgated. Wonder if organized crime is involved

[@leesvision]

Yes , it is

[@monicaluketich6913]

A friend of mine in West Virginia has lost his 200 yr old family homestead due to a contractor under similar conditions. My friend is 75 yrs old and now has no place to live.

[@elizabethr4107]

Poor man!

[@nukestrom5719]

This lender should be responsible for not following the proper procedures and I won't be surprised if they are part of this fraud.

[@sunlight4169]

It's too late after the lien is recorded, so the notifications from the recording office don't really change the fact the the lien was recorded and you have to pay an attorney and the enormous stress of all of this. The only real solution is that one should be able to FREEZE their title as we can freeze our credit report - since this is becoming more common with title fraud. Notifications after the fact do little to remedy this problem.

[@alz123alz]

THAT IS WHAT I AM THINKING ALSO. FREEZE TITLE TRANSFER, UNTIL PROPER OWNER COME IN WITH FINGER PRINTS, EVEN DNA SAMPLE. THIS HAVE TO STOP. EVEN IF YOU HAVE TO PAY RECORDER OFFICE EXXTRA FEE FOR THE SECURITY.

[@accoomes20]

The advice to freeze your credit does not safeguard from getting a lein on your home, which is not reflected on your credit report. There is not currently a way to protect or monitor this type of crime and most often is not identified until home owner wants to use the property to secure a loan.

[@alz123alz]

THAT IS WHAT I AM THINKING ALSO. FREEZE TITLE TRANSFER, UNTIL PROPER OWNER COME IN WITH FINGER PRINTS, EVEN DNA SAMPLE. THIS HAVE TO STOP. EVEN IF YOU HAVE TO PAY RECORDER OFFICE EXXTRA FEE FOR THE SECURITY.