Consumer complaint received 2022-12-28
Company: Red Tree Mortgage LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I sent this letter via email and express mail to XXXX XXXX, XXXX Of Redtree Mortgage LLC . 
Once received. You'll see his reply. He never replied again by email. However we spoke on the phone. XXXX XXXX was upset because he wasn't familiar with the facts that's stated in the email. Before he ended the call. I told him I was going to file a civil sheet. He then asked that I notify him of attorney then he hung up on me. Redtree Mortgage LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Agent applied for a mortgage loan on XXXX XXXX via loan application number # XXXX. 12USC1813 ( I ) the application was the deposit. The instrument application had no value before submitting. As grantor issuing the application to Redtree mortgage. Once signed and submitted. Credit instantly went to Redtree mortgage accounts receivables. But I was never given equal consideration 12USC1431. XXXX copy B for the borrower is provided for your records. The inquiry on my consumer report is evidence that Redtree received the money as a credit. The estate name is on the application. The trust is in the natural persons name, evidencing who is the beneficiary of that said trust. Im the beneficial owner of that traded security account. My natural name registered, via copies of IRS form XXXX as Power of attorney and Form XXXX to make any claims on the estate. As beneficiary I would like the security interest value of the asset released immediately 15USC1615. Send certified cashiers check in the amount of {$200000.00} with in 10 business days to XXPrinciples Address XXXX XXXX : Received. 
Not sure what this means? Are you refinancing or purchasing a property with XXXX being your loan officer? We are Not the lender, we are the mortgage broker who processed your completed application and have no underwriting capabilities other than an automated underwriting system supplied to us from XXXX whom serves as the preliminary approval subject to the final approval by a lender chosen for your file. 
Can you please explain how we can help you? 

Me : I'm quite sure as a CEO/ broker sir. You're well versed and familiar with, transfer of property, bonds and security interest " unearned interest '' 15USC1615. I never received an official letter of decision for loan # XXXX in the amount of {$200000.00}. Which I'd like to request in writing immediately by mail. 

" Adverse action is defined in the Equal Credit Opportunity Act and the FCRA to include : a denial or revocation of credit. a refusal to grant credit in the amount or terms requested. a negative change in account terms in connection with an unfavorable review of a consumer 's account 5 U.S.C. 1691 ( d ) ( 6 ) ; FCRA 603 ( k ) ''.

As a consumer., I could never be denied credit regardless of any score. Because the transaction can not exist without my signature and social security number. 12usc1431 Anytime someone gets a contract they give value and consideration in return for performance by transfer of the interest. Dollar for dollar - Every offer is an offer for insurance bonds., and unearned interest etc. Your company ran my social security or credit card number per 15USC1602 ( l ). It's on my credit report as " REDTREE MORTGAGE '' Once again proves that the amount is credited on the company 's books. I'll investigate the FannieMae/FreddieMac inquiry. Because I believe I saw both on the report. 

Which is double. So, when I agent., Attorney-in-Fact, the beneficiary of the estate name on the application applied to make a deposit by way of application for an installment loan contract. The United States already released the funds into the account I applied for ref 18USC8 obligations of the US corporation. The company is now in possession of private consumer information. 1099-A the estate XXXX XXXX XXXX XXXX lender. 

I've given you the proper notice and I've properly identified myself. If you continue to remain in dishonor. Attached is the fee schedule and I'll move forward with filing a civil suit., XXXX  civil sheet for the fdcpa violations. You asked what I was trying to do? I was attempting to acquire an asset which would be. A new principle residence. Per 12USC1813 ( l ) the application is literally the check when properly endorsed and assigned for whatever amount I applied for. 


" we are the mortgage broker who " processed your completed application and have no underwriting capabilities " other than an automated underwriting system '' supplied to us from XXXX whom serves as the preliminary approval subject to the final approval by a lender chosen for your file. '' 12usc1813 ( l ) the application itself., a negotiable instrument which can be used for deposit etc. What you've stated is proof in writing. Along with my consumer credit report. 

Processing is a broad term that describes the multi-step process of " transferring funds '' from a customer to a merchant whenever a debit or credit card " social security number '' 15USC1602 ( l ) is involved in a transaction. Interbank clearing and settlement occur on the processing date. 

As an " opportunity to cure '', I'm willing to still conduct a consumer transaction. If it's established over stood my position as the agent., attorney-in-fact, beneficiary of the estate name on the application. In essence were both brokers. I'd like to broker assets., to acquire a new asset., '' principle " residence. I've provided for you through email and express mail. Proof of me '' expressing the trust ''. Form 56 /2848 for right of POA and fiduciary responsibility over the account. You have the copy B of 1099-A borrower 12usc1431 which was submitted to the IRS to balance your books. And has already been emailed. And will be mailed to you sometime after XXXX XXXX from the IRS XXXX 

Along with being the consumer. Meaning I could never be denied credit regardless of any score. Because the transaction can not exist without my signature and social security number. 

I'm coming in truth, honesty, up front & with clean hands. Now, with the facts stated .... Lets work together! I'd like for XXXX or you to broker this deal below before XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trust assets are being held. Which are intended for the beneficiary of the trust. I want to " pay the bearer '' so I want to assign the note " contract '' to the bank to collect for me. As agent., the beneficiary of the trust authorizing you to release the interest which is the credit matching principle to balance the account. With the credits or unearned interest that's on your accounts receivables. Apply it towards acquisition of the bond, title for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Create another contract for the remainder of the costs. Including any fees, taxes etc. Including down payment. Also an extra 20 % commission to be split amongst you and XXXX. Which is my gesture of appreciation.15USC1605 sum of all charges. 

Everything is offer and acceptance. 

1. Offer " The contract or purchase agreement '' 2. Accept " I accept it '' 3. Assign. " to bank '' 4. collect. " for collection '' Once I get the contract. Ill accept it for value and assign it to the bank for collection and payment. 

XXXX XXXX XXXXXXXX We work together. I'll do my part, you do yours. Not only will you be my go-to permanent broker. I'll bring you a ton of professional business from like-minded individuals. Such as myself and others. If you're serious, help me get the asset. Id like to move forward immediately with putting an offer in for the property or asset. 

Look forward to working with you Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX All Rights Reserved w/o recourse

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation