Consumer complaint received 2017-04-10
Company: RoundPoint Mortgage Servicing LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear RoundPoint Vice President XXXX, You stated in your previous letter that my deed in lieu of foreclosure was completed effective XX/XX/XXXX, and that the account " was due for all subsequent payments at that time ''. You go on to claim that you reported the correct information to the credit reporting agencies on XX/XX/XXXX, indicating the deed in lieu of foreclosure was effective XX/XX/XXXX. However, you further state that you did not update the changes to reflect the completed deed in lieu of foreclosure until XX/XX/XXXX. It is now XX/XX/XXXX and the changes do not reflect on my credit to indicate a " zero and/or settled '' balance. I want scanned documentation showing exactly what you reported to the credit reporting agencies, as well as the cited date of submission. 

XXXX is the owner of the property ; they are the lienholder of the one and only loan on the property in question : XXXX, TN XXXX. They hired several companies to handle the loss mitigation process. XXXX transferred the process over to you with all documentation. XXXX, acting on behalf of XXXX, filed a XXXX " Cancellation of Debt '' where they cancelled and forgave all debt associated with the property. I filed this document on my XXXX IRS XXXX. I have the letter signed and dated by you, XXXX, Vice President of RoundPoint, indicating that the Deed in Lieu of Foreclosure filed with XXXX was completed and finalized. 

First, I am not an attorney nor am I practicing law. However, I would direct your attention to XXXX ( XXXX ). The court, in their holding, said that the issuance of a XXXX reflects a creditors cancellation and forgiveness of debt. Thus, the creditor can not sue a debtor in an attempt to seek economic losses. Restated, XXXX filed my XXXX, at the behest of XXXX, prior to being submitted to RoundPoint, again, at XXXX 's direction. Moreover, your previous letter in response to my last complaint further reflects the outcome of the cancellation and forgiveness of the debt, along with my fourth signed Deed in Lieu of Foreclosure agreement with XXXX. 

XXXX, Deputy Property Clerk of XXXX, and I called RoundPoint and we spoke with XXXX on XX/XX/XXXX. XXXX stated that XXXX is handling the case ; sent documentation to XXXX ( manager ), who will follow up w/ the " closing department. '' The issue in XXXX is that RoundPoint never filed a document showing that XXXX actually owns the property. The last document they show was filed XX/XX/XXXX ; filed by XXXX. ; this document, for some unknown reason, conveys the property back into my name, which at this point is beyond impossible. 

XXXX contact number at her office is : ( XXXX ) -XXXX ; her work email is : XXXXXXXXXXXX The mailing address to her office is : XXXX , TN XXXX You have my permission- if you need it at this point- to contact XXXX in regard to this property and send her the required documentation showing that the property has been conveyed from my legal possession and rights to the rightful owners, XXXX , it 's successors, and assigns. 

You need to do this now. 

Regards. 
XXXX ( XXXX ) -XXXX PS. My mailing address for the last XXXX months has been the XXXX below. Why is my old address still getting mail from RoundPoint? You should have it filed. 

XXXX, TN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation