Consumer complaint received 2017-04-26
Company: PLANET HOME LENDING, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Case number  XXXX  1 5 U.S. Code 1692g - V alidation of debts  ( b ) Disputed  debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection  ( a  ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapt er may  continue during the  30-day pe riod referred to in subsection  ( a  ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the  30-day period may  not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.      3-501.  PRESENTMENT.     (  2  ) Upon demand of the person to whom presentment is made, the person making presentment must ( i ) exhibit the instrument,  ( ii )  give reasonable identification and, if presentment is made on behalf of another person, reasonable evidence of authority to do so, and  ( iii ) sign  a receipt on the instrument for any payment made or surrender the instrument if full payment is made.     I am still being hounded by Planet Home Lending in clear violation o f US 15 1629g & UCC 3-501  that demands ceasing of debt collection attempts until the  XXXX   (  Presentment ) request has been made. Can you explain why  one  of Planet  Home Lending  's agents car is in my driveway while that request has not been met, and why this is not a clear violation of both the codes? Or the emails from  XXXX  &  XXXX ? Even continued communication from Planet Home Lending/ All debt collection must cease until the Presentment request is met per UCC  3-501 and US 15.1629g  Why there is no apparent concern for these obvious violations o f U.S.  codes and Statutes?     I complained to CFPB that I thought Planet Home Lending and its agents were potentially commiting fraud. I asked for an investigation.     Plane t Home Lending  has acknowledged in writing to CFPB that they are currently commiting fraud since they can not produce evidence to the contrary supporting a claim that they even have the right person, let alone that I owe them anything.     If there are  UCC cod es and statutes that supercede the wording of " on demand '' ( not the 33 days I 've waited, nor the addtional  45-60 d ays CFPB intends to allow Planet Home Lending to comply ).     The minute Planet Home Lending and it 's associates put documents in the mail attempting to extort money from me when by their own admission ( sorry for the redundancy, I 'm hoping this gets through to someone in ) to CFPB in WRITING that they technically are currently in violation of the codes outlined in this complaint.     I was told that CFPB was a " neutral '' party in these disputes.      " Consumer Protection ''  is a declaritive statement, and is therefore not neutral.      XXXX   XXXX

Company response to consumer: Closed with explanation