Consumer complaint received 2016-12-16
Company: Brock & Scott, PLLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Violation of Georgia 's Residential Mortgage Fraud Act, violation of the FDCPA, and various criminal statutes of GA including but not limited to : O.C.G.A. 16-4-1 CRIMINAL ATTEMPT O.C.G.A. 16-10-20 FALSE STATEMENTS AND WRITINGS, CONCEALMENT OF FACTS, AND FRAUDULENT DOCUMENTS IN MATTERS WITHIN JURISDICTION OF STATE OR POLITICAL SUBDIVISIONS O.C.G.A. 16-8-16 THEFT BY EXTORTION O.C.G.A. 16-8-3 THEFT BY DECEPTION Please see the following. I can not get an answer from these people. 
XXXX : I am disputing the validity of the current debt you claim that I owe. 
Again, please treat this letter of dispute as a " QUALIFIED WRITTEN REQUEST, NOTICE OF ERROR, AND A REQUEST FOR INFORMATION '' per the same statutes listed in my previous letter stating the same to both your office as well as your clients. I did receive the acknowledgement on XX/XX/XXXX, but have yet to receive the response. Will this be a repeat of your offense of violating the FDCPA, and Slander of Title by posting our home for foreclosure for XXXX which XXXX would not accept. 
Notice of Error, Request for Information, and Qualified Written Request : 1. Written notice to XXXX and written response from XXXX stated they transferred the servicing of a XXXX remaining balance on the allege loan transaction identified by # XXXX balance to XXXX. Why have you sent me a letter again threatening to foreclose on my home for {$130000.00}? This is a HUGE ERROR. Please send a detailed list and not a computer printout of codes that explains every dollar that exceeds XXXX. Really? {$130000.00} in miscellaneous fees? 
4. Who was the original lender of Loan XXXX? 
5. Who was the previous servicer of Loan XXXX? 
6. Provide certified copy of note, deed of trust, or whatever legal contractual document that you poses signed by me for Loan XXXX which includes a Power of Sale Clause and a lien on the above listed property address. 
7. Please provide the full name, address and telephone number of the actual entity that funded the transaction with identifying loan number of XXXX. 
8. For the record. Loan Transaction # XXXX was rescinded XX/XX/XXXX for fraud. That transaction was rescinded in writing and received by XXXX XXXX. Fear and the crime of extortion and a true criminal act of concealment have forced me to pay for the last 10 years on the only contract allegedly linked to my home and that is # XXXX. Loan numbers are determined by creditors and are unique. Loan numbers identify specific contractual agreements. This is a very dangerous circumstance, to have a contract generated and tied to your property without your knowledge. Statement is fully supported by 12 CFR 1026 ( Regulation Z ), which by the way is just one of many regulations violated by your clients ( XXXX ) with respect to this loan they have created from thin air. 
The only transaction ( # XXXX ) related to the above referenced address that was to be serviced by XXXX had a stated remaining miscellaneous balance of {$28.00}. XXXX of Congressman XXXX 's office called XXXX on XX/XX/XXXX at approximately XXXX and conferenced me in while I was at my work and XXXX stated they will not accept a payment from me with ID # XXXX, which made no sense. XXXX, when I called and spoke with your office on XX/XX/XXXX to verify that your office received the dispute to this Loan previously your response through your Representative XXXX was one of pure fiction. You stated that my response to your XX/XX/XXXX notice was 11 days late and that I was not entitled to the validation of the debt. My response to the notice was sent certified mail and was received on XX/XX/XXXX and not even three days later the notice for power of sale post marked on the XX/XX/XXXX. You did not validat

Company response to consumer: Closed with explanation