Product: Mortgage

To : UNITED COMMUNITY BANK From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, IL XXXX XXXX, GA XXXX LOAN # XXXX To Whom It May Concern, Because it is apparent that you have failed in researching and addressing my complaints XXXX Letter From XX/XX/XXXX In response to your letter dated XXXX the XXXX, it is clear in your response that you have XXXX intention in correcting your mistakes. If you were committed to fixing the errors you have caused, you certainly have had the time. This issue started after you failed to extend my Forbearance an additional 3 months, AS REQUESTED, till XXXX of XXXX under the Cares Act. You have had since then to reconcile all mistakes made by your team and adjust ALL balances and PAYMENTS as requested and required to bring the account in balance. You are in ERROR in stating that I transitioned from a Forbearance program and into a Deferral program on XX/XX/XXXX. Again, your representative STATED that a program did exist and that I could quality for a debt reduction and well as a possible interest rate reduction, however, I was under the FULL understanding and mindset to pursue an additional 3 Month Forbearance Extension, as it was MY RIGHT to do so under the Cares Act until XXXX of XXXX, and NOT to pursue and agree to alternative programs suggested by your representatives that would negate or override the rights to the already Enrolled Forbearance program. Any mistakes in communication were on You as a Bank as well as the Representatives that represent your Bank and the options and program details available for that program. Clearly, you have not fulfilled those obligations. If you have PROOF of me verbally, or in writing, accepting with full awareness and details of an alternative program to the Forbearance Program under the Cares Act, you are hereby being DEMANDED to provide LEGAL IRREFUTABLE PROOF of it as well as PROOF that I understood what I was agreeing to and the process that would unfold under that program.

You are Again, being DEMANDED to : 1 ) Adjust ALL PAYMENTS to PAID ON TIME, as I have clearly provided INDISPUTATIVE proof of. 2 ) Remove any NEGATIVE erroneous reporting that you have initiated to the Credit Bureaus. 3 ) You have also been sent an invoice bill that is to be paid immediately, for fraudulent charges, fees, and recovery amounts for the lengthy errors and mistakes that have been made by your bank. I suggest you take this matter seriously!! If there is not an equitable REAL relief to this matter, I will continue to adjust for further recovery & suffering of this matter. Please keep in mind that it is my belief, that this is a FAIR remedy that will be much more inexpensive on you should I pursue other Legal methods for XXXX. 


XX/XX/XXXX FACTS. 

XXXX ) I am DEMANDING PROOF of the Calls made to United Community Bank concerning my request for a FORBEARANCE EXTENTION under the Cares act in XXXX. You have failed to acknowledge this request or address it. If you are standing by what your claims are then PROVE IT!! Sending me paperwork for what I already know ; an initial Forbearance Request in XXXX, and not the follow-up request or proof that it did not exist as I have requested numerous times is simply avoiding your responsibility to that request. A call was made to you requesting the Forbearance Extension ( Recorded ) and it was verbally granted over the phone. You have been asked to make the necessary changes you have clearly made mistakes on concerning that large error made by your company but repeatedly avoid, deny, and make false, fraudulent claims about concerning the matter. This is unacceptable and you WILL be made responsible.

2 ) You have caused substantial irreputable harm to both my credit and my ability to obtain additional credit by fraudulently reporting incorrect information to all 3 credit bureaus. Facts I have NEVER been late on ANY payments ( Outside of My Rights Under the Cares Act ) on the History of this Loan. You have been sent proof of this numerous times but continue to cause malice harm financially to me by avoiding and denying proof of all payments consecutively made throughout the life of the loan. You have been billed well below the amount of what costs could be incurred and imposed on you should other avenues for recovery be taken. I strongly encourage you to take the invoice seriously and make the full payment as it has been assessed and determined to be more than fair and reasonable based on the circumstances. 

UPDATED : XX/XX/XXXX Yet again.. The proof has fell on Deaf Ears. Your Bank & Institution is Committing Fraud and Committing Clear Federal Crimes. I have alerted you to the facts of your errors in an effort for you to fix the clearly pervasive and intentional attacks. I have DEMANDED to you.. if you have Proof That there was a late payment PROVE IT!! you have not. I DEMANDED to you.. Provide the phone conversation in either transcript form or audit that I DID NOT intent to extend the Forbearance Program under the Cares Act in XXXX of XXXX and you REFUSE to Provide It. Please understand that you are not going to win this battle, and your continuation to blatantly lie will NEVER wear me down from going after the money that you have stolen from me as well as the damage you have caused financially to me that I will recover from you. 






UPDATED : XX/XX/XXXX XXXX  Months Later ..... I requested UNITED COMMUNITY BANK on XX/XX/XXXX to provide proof of Phone Call interactions to reveal ALL INFORMATION concerning my conversations that took place that are PROOF that I did NOT enter into ANY alternative payment programs OUTSIDE of the FOREBEARANCE program under the CARES ACT. Their direct reply to me was that the information was either non-accessible or would NOT be provided to me. This Bank is HIDING information and NOT WILLFULLY engaging in any reconcilable solutions that is required from them to with any good faith, reach a suitable resolve. In Fact, this bank has continued to attach erroneous, fraudulent fees to my mortgage account ; they have engaged in illegal direct attacks toward me by soliciting my phone number, engaging in direct threats and then after the phone calls, have within XXXX minutes of the ending phone call, called me back from non-traceable phone numbers to threaten harm against my life. There is also major concern that this company has misallocated funds, used unethical accounting practices, and have disguised receiving principal / interest funds by means of multiple debit/credits that appear to be against normal accounting practices. This Bank Institution has caused irreputable harm to me financially, as well as has caused XXXX since the origin of this matter in XX/XX/XXXX. I am requesting direct assistance from CFPB to do a complete AUDIT of this companys accounting practices and to do a thorough internal investigation. I am seeking Attorney assistance as well to provide relief from the XXXX this Bank XXXX has caused since their hard-lined attacks and responses are clearly pervasive and of an intimidating manner. I would appreciate any assistance CFPB can provide to bring justice to the illegal practices of this bank institution. 

XXXX ) You are being DEMANDED to reverse ALL ILLEGAL FRAUDULENT Fees on my Account and provide a check in the amount of {$1400.00} that is due to me from your bank institution for the XX/XX/XXXX over-payment that per your customer representative that is due back to me.

2 ) You are being DEMANDED to contact ALL 3 Credit Bureau 's to correct all misinformation that you have illegally documented on my account. Directly, that I have missed payments, which has been provided to each institution that I have NOT missed a single mortgage payment as agreed on this loan.

3 ) You are being DEMANDED to get with your Attorney 's to come up with a fair and equitable monetary " RELEIF '' amount to reconcile the harm and damage that you have caused myself, my family, and my financial well-being. 



Kind Regards, XXXX XXXX ( XXXX ) XXXX UPDATED : XX/XX/XXXX To whom it may concern, I have received from you, redundant, miscalculated, erroneous statements requesting additional funds and continuing your BOLD and MALICE attempts to defraud me of monetary funds. As clearly as can be said and on record : YOU ARE FRAUDS, YOU ARE COMMITING FEDERAL CRIMES, and I WILL NOT PAY YOU UNDER ANY CIRCUSTANCES!! Your replies, as committed as they may be, but for obvious deceptive reasons to not take accountability for your lies and lack of accountability, have been received. You have stated that you have no intention to resolve your discrepancies and mistakes and you have also documented clearly that you refuse to provide the requested proof due to the obvious evidence that would be unfolded and disclosed to penalize you for such misconduct and illegal activity. Baseless, erroneous letters, threatening phone calls from your representatives that hang up and call from private throw away phone numbers to threaten my life and family ONLY emboldens me to resist you further!!! You WILL NOT WIN and you Will NOT gain traction to continue threatening, harassing and attempting to defraud me. You have caused irreputable financial harm to me, my credit and my financial ability to obtain credit due to your falsification of payment history and penalties. Attached is a bill to be PAID IN FULL by you and you will continue to be billed as further financial harm is incurred as a result of your illegal activities. 


XX/XX/XXXX XXXX XXXX continues to send out erroneous bills, letters and communication that is irrelevant and baseless. They are making XXXX attempts at actually taking accountability for falsifying information, committing fraud and delaying further any reconciliation to their mistakes. They have additionally recommitted themselves to harassing phone calls, doubled-down on false credit reporting and new to the list of illegal falsifications, they have created bills with inaccurate balances. This company is CLEARLY laughing in the face of CFPB as well as myself at an attempt to wear me down and achieve their goals of stealing money and committing fraud. My assumption is that this will continue to go as long as they are able to continue working the system to delay, falsify and burry information and documents so that it can not be recovered. I will continue through the anticipated months and years to update this file as further threats and illegal activities continue. At some point, there will obviously be a lawsuit that will be brought before a judge & jury .... until that time, or most likely when the truth is brought to light by those with more money than me or a class action lawsuit, please continue sending me threatening letters and large packaged envelopes with large prepaid postage expenses : ). 


Kind Regards, XXXX XXXX XX/XX/XXXX United Communities last response to my clearly issued factual complaint is yet, just another poor, pathetic attempt to transfer blame without ANY BASIS OR FACTS TO BACK UP THEIR CLAIMS. Their response that I changed my mind on extending the forbearance extension under the cares act is a sad weak approach that one takes when they have no other avenue to go. You have REFUSED to provide that proof and even went as far to communicate to me that it is not accessible without formal legal actions being taken against you to do so. As incredibly absurd as it is that you have no desire to simply reconcile this issue by revealing the TRUTH, it also clearly uncovers your liability and deliberate malicious attempts to cover up illegal activity and falsifications. Simply put, this will come to a conclusion at some point, regardless of your lies and pathetic claims. And you will be forced to take responsibility for it. As previously mentioned and in continuation, as a result of this banks illegal activities, my credit has been dramatically affected, my financial well being has been adversely impacted by credit denial, increased costs based off of a low credit store and false reporting as well as the stress and an overwhelming of false threats brought on by this bank institution including threats against myself and my family from customer service representatives calling from private or blocked numbers stating they will kill me and my family. This is a sick, disgusting group of pathetic individuals at this bank institution and I will STOP AT NOTHING till this bank is held accountable. 


Kind regards, XXXX XXXX