Consumer complaint received 2023-09-15
Company: Royal Pacific Funding Corporation
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
To All Persons Listed in Letter and Notice, Notice to Principal is notice to Agent, Notice to Agent is Notice to Principal. 

I am the consumer and I am the living man and natural person and I am being ignored and not getting what i need in it's entirety. I know my consumer rights and I know that anytime my social security card is used and these companies access my credit card and then they send me a billing statement in the mail it is a double payment and I have sent in the coupon to pay the bill ( which is a security to me for the interest they made from securitizing my bond and they did not pay the taxes and all without my consent as I was lied to from the time i executed the Application for my XXXX Given Right to access my credit card. They need to go back and investigate the transactions that have taken place and they are not doing what I ask as the consumer. I have requested a full statement of account meaning the on and off ledger for all accounting and from the history and when this account was established and opened. I need the CFPB to conduct a full reinvestigation and confirm the mode of delivery. I need the following items to be sent to me as they are ignoring my demand for my own information. I need every copy of every billing statement, original copy of the note and deed of trust as they are supposed to stay together and they are mine. I need them to send me the original certified copy with my wet signature and if they can not perform or provide it, then they need to end a collection on an alleged debt that they say I owe. It has already been paid and now they are engaging in illegal practices and the Mortgage lenders have been collecting double payments for years and I as the consumer is entitled to get all of my down payment back, any third party fees and closing fees back and send me a check for all the excess balance that exceeds and in excess of {$1.00}. I need this to happen within 14 days as required by law. Please have my file audited and assessed to the fullest and I demand the items that i have requested and they choose to ignore. Send me the refund checks to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They keep sending stuff i did not ask for. I want this to be thoroughly and properly reinvestigated and I expect you cfpb to make sure they send me what i am in need of as it is mine. They are also furnishing information on my credit reports without the consumers consent and that is illegal and also a considered fraud. These persons are ignoring the requests and they are breaking the law and I need the lousy investigations to stop and do as I, the consumer says. I am seeking and going to report this illegal activity and fraud to my general counsel. I will also reach out to the Ombudsman for CFPB and the Financial ombudsman, along with the FBI for all these mortgage companies fraud and all the ignorance in my matter. 
I am in need of the following for the following accounts : PDF, XXXX, exact copies and originals of the following : XXXX. Refund of all the double payments that I have made in excess of XXXX XXXX original copies of the consent letters that by law the consumer must authorize in writing to authorize permission to furnish my personal information to any non public 3rd parties and the credit reporting agencies.

3. I also need a copy of all the mailings that have been sent to my home in connection with my personal information by my permissible purpose with my required certification by me as the consumer.

4. Original copy of the Note and Mortgage deed as they are not to be separated at anytime. I need them both as they are mine.

5. I need a copy of the ON and OFF PUBLIC and PRIVATE side of the Ledger for all accounting and transactions made. I need to make sure the accounting for the history of the account from the first day I signed the application ( which is the Receipts of FUNDS accessed and makes this purchase for my personal and family use PAID IN FULL ). I am the consumer and I am the creator of the Credit for my Legal Fiction Name for said account : XXXX XXXX. I am the Agent/ Beneficiary to this account and I am the ONLY living man that can Consent for every and all transactions for the account. If they can not provide me with certified copies of the consent letters for the Permissible Purpose, They are committing Fraud. I do not recall signing any document giving them my permissible purpose. This is Identity Theft. 
These mortgage companies are also participating in the Truth and Lending Act and I know the law. 

AS FAR AS I AM CONCERNED ... XXXX, XXXX, XXXX, XXXX XXXX, XXXX, ROYAL PACIFIC FUNDINGXXXX XXXX XXXX XXXX XXXX  EVERY SINGLE PERSON SHOULD BE FINED AND SENTENCED TO FEDERAL PRISON FOR 2 YEARS. 

I need Records and items mailed to me as soon as possible Via us mail. 


Done in Good Faith, XXXX XXXX XXXX Beneficiary For : XXXX XXXX XXXX Without recourse

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