Consumer complaint received 2023-10-10
Company: Southwest Stage Funding
State: AZ
Product: Mortgage
Sub-product: Manufactured home loan
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
It has come to my attention that there is extensive fraud in factum, errors, mistakes, misrepresentations ( Restatement Second of Contracts 164- When a Misrepresentation Makes a Contract Voidable ) and lack of full disclosure in this arena. Hence this affidavit ; which shall serve as an official Qualified Written Request ( QWR ), Notice of Claim to Instrument & Adverse Claim, Proof of Claim Request, Error Resolution & Information Request ( ERIR ), pursuant to 12 CFR 1024.35, 12 CFR 1024.36, 24 CFR 3500 ( e ), and 12 USC 2605 ( e ) of the Real Estate Settlement Procedures Act ( RESPA ), and pursuant to 12 CFR 226.39 / 1026.39 and 15 USC 1641 of the Truth in Lending Act ( TILA ), and pursuant to 15 USC 1692 ( g ) or 809 of the Fair Debt Collection Practices Act ( FDCPA ). And Pursuant to Subtitle E Mortgage Servicing of the Dodd-Frank Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) ( e ) ( 1 ) ( B ), ( e ) ( 2 ). And the Consumer Financial Protection Bureau ; CFPB 1024.36. 

1. What date was the promissory note Registered?

2. When did the REMIC trust ; fund the Promissory Note? PROVIDE the identifying Series of Certificates. ( Sidenote : If the note number is being traded in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FHA XXXX  please provide all information to identify the Trust ( i.e. XXXX XXXX XXXX XXXX, Securities Number, REMIC or XXXX XXXX XXXX and Trust Class/Tranche XXXX 
3. What is the name of the REMIC trust that filed for the REMIC status with the IRS? 
4. Have the capital transfer taxes been paid? If not, I order you to pay them.

5. In order to identify the source of the funds & target bank that funded the loan, please provide IRS 1099 Original Issue Discount ( OID ) report and any Currency & Monetary Instrument Report ( CMIRs ) per The Bank Secrecy Act ( BSA ). 
6. Please provide the RC-N AND RC-P call schedules 7. Please provide your SEC Form 424 B5 Prospectus for this loan and the name of the trust on the deposit agreement. 17 CFR 230.424 8. Please provide your S3/A Shelf Registration Statement with the SEC. ( FRONT & BACK PAGES ) 9. Please provide your 8-k ( Current Report ). ( FRONT & BACK PAGES ) 11. Provide the MERS Milestone Report, for the note & deed of trust ( DOT ) IF tracked by the Mortgage Electronic Registration Systems. I want to see the audit trail of the alleged transfer in ownership and alleged transfer in security interest.

12. And any available 2046 forms per the Dodd-Frank Wall Street Reform and Consumer Protection Act, 12 U.S.C. 248 ( s ).

13. Provide A Statement of Accounting per UCC 9-210. A complete audit history from alleged loan origination, showing the date ( s ) payments were applied, and to what internal accounts principal, interest, suspense, escrow, & to include entries into any off-book ledger accounts.

14. Please provide the original, ( FRONT & BACK ) wet ink signature Promissory Note ( Security Instrument ) and the original deed of trust for my viewing at your Chandler office location with a time & date for viewing. Per title 18 U.S. Code part 1 chapter 101 2071. A certified copy, a claim of loss ( t ) or destruction will constitute an administrative default.

15. Why was it not disclosed to me at the closing table that my promissory note & deed of trust would be securitized & that I would not receive proceeds from them when in fact it was my autograph that created the funds?!!

************************************************************* thier reponse 1. Pleaese see the enclosed COPY of the p- note 2-12 they said it was propietary. and WILL NOT BE PROVIDED 14. SEE ENCLOSED COPY OF NOTE AND DEED OF TRUST 15.PROPIETARY ONCE AGAIN.

Company response to consumer: Closed with explanation