Consumer complaint received 2017-08-10
Company: Ditech Financial LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a contract with Ditech Financial LLC Debt Collector. I have being harassed with phone calls and letters with threats to send adverse information to the credit bureaus. Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principle Re : Third Party Debt Collectors and all other co-conspirators I affirm for the record that I am not a heathen or a surety to this matter. Howevero I am the beneficiary and creditor and I have appointed you Trustee to handle this financial matter ; please see Form XXXX ; Furthermore, I am responding in reference to the fake file that XXXX XXXX of Ditech ( third parry debt collectors ) is in receipt of, I affirm that I have fully satisfied the financial obligation and that the mortgage is completely extinguished ; please see Satisfaction of Mortgage ; I affirm that Ditech ( third party debt collectors ) and their agency is running amok, is guilty of ultra vires, mal administration and constitutional blasphemy ; I affirm that I do not have a contract with Ditech ( third party debt collectors ) and I dispute the validity of the alleged debt ; If you believe you have a valid claim, please fill out a XXXX Proof of Claim Form for the court 's verification and please have them validate the alleged debt in pursuant to Title 15 USC 1692 ( g ) ; I affirrm that it has never been my intention to avoid paying any lawful obligation that I lawfully owe ; however, there is and has never been a contract between XXXX XXXX XXXX and Ditech ; Therefore, I am requesting that XXXX XXXX of Ditech answer the following questions under penalty of perjury : 1. Where is the contract between XXXX XXXX XXXX and Ditech? 2. Are you the holder in due course of this contract? 3. Will you produce the original contract for my own and the judge 's inspection should there be a judicial review of these matters? 4. Can you please produce the account and general ledger statements showing the full accounting that they are attempting to collect? a. Can you make certain that it is sent by a Certified Public Accountant? 5. Can you please identifu to me by name and address all people, corporations, persons, associations or any other party having an interest in these legal proceedings regarding this alleged debt? 6. Can you please veriff under penalty of perjury that as a third parfy debt collector you have not purchased evidence of alleged debt and you are not proceeding with collection activity in the name ofthe original maker of the note or contract, and that you are not using the state courts to play a " numbers game? '' 7. Could you please also verift under penalty of perjury that you know and understand that certain clauses in the Contract of Adhesion such as the forum selection clause are unenforceable unless the parfy to whom the contract is extended could have rejected the clause without impunity? 8. Could you please veriff under penalty of perjury that you know and understand that regardless of the original type of alleged contract of the consumer, collection activities against me fall under the Fair Debt Collections Practices Act? 9. Could you please provide verification from the stated creditor that you are authorized to act for them? 10. Could you please give the name of the employee of the original creditor who can authenticate your business records and who is familiar with the original creditor 's record-keeping practices? I L Could you please provide the employee of the original creditor that can certify that the documents were made in the original creditor 's regular course of business and it was the original creditor 's regular practice to make documents and that the original creditor created the documents contemporaneously with that facts that were recorded? 12. Could you please verift under penalty of perjury that you know and understand that contacting me again after receipt of this Notice without providing procedurally proper validations of the alleged debt constitutes the use of interstate communications in a scheme of fraud by advancing a right that you know is false with the intentions that others rely on the written communications to their detriment?
13. Could you please verifu under penalty and perjury that you know and understand that all lawyers and agencies must comply with the Fair Debt Collections Practices Act in pursuant to Title l5 USC 1692 a ( 6 )?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation