Consumer complaint received 2023-04-09
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I XXXX XXXX XXXX sent 2 payoffs of {$300000.00} each in the form of 2 legally processed and state registered bank instruments to United Wholesale Mortgage XXXX A Bill of Exchange was sent by registered mail tracking # XXXX was sent on XX/XX/XXXX and was Delivered and received on : Tue, XX/XX/XXXX, XXXX XXXX, by servicing department : A 2nd Bank verified note draft of {$300000.00} was sent with certified mail via the XXXXXXXX # XXXX with return of green delivery slip on XX/XX/XXXX and delivered on XX/XX/XXXX and was accepted, signed by XXXX XXXX. 
The Bank instruments had clear instructions included for processing, and detail instructions were outlined in the case of dishonor. XXXX had 4 days to Dishonor in writing & return to Maker with certified notice of rejection/dishonor, or the Acceptor authorized agent for owner deems this draft is used as Money payment payoff of debt. 
UWM has not returned the legally processed note draft or Bill of Exchange but has decided to keep these legally bank business instruments, and still send me demand of payment statements. 
UWM can not say that they do not take such payment because both Bank documents are a negotiable instrument pursuant to UCC code 3-104. NEGOTIABLE INSTRUMENT. They must be accepted because they are in the Banking Business! Further proof of bank acceptance will be provided as well including case law that supports the Bill of Exchange The International Bill of Exchange and New Credit Agreement Debt Payoff Security NOTE Draft Bank Business Instruments are legal tender as national bank notes, or notes of a National Banking Association, by legal and statutory definition ( UCC 4-105, 12CFRSec. 229.2, 210.2, 12 USC 1813, 31 USC 5312 ( 2 ) ( C ) ), issued under Authority of the United States Code 31 USC 392, 5103, which officially defines this as a statutory legal tender obligation of THE UNTIED STATES, and is issued in accordance with 31 USC 3123 ; HJR-192 ( 1933 ) ; and Public Law and Policy 73-10, Chapter 48 112-113 ; Highland Capital Mgmt . v. Schneider ; and Ward v Bank One which establish and provide for its issuance as Public Policy in remedy for discharge of equity interest recovery on that portion of the public debt to its principals and Sureties bearing the Obligation of THE UNITED STATES. 

See also Bank One v. Robert Ward, ( Sara Sue Fugate ) et al, Florida case # 2001 31518 CICI, XXXX XX/XX/XXXX. The term person includes corporations, such as Defendants, as defined in Blacks Law Dictionarys 4th Ed. ( Pg. 1299 ). Because Defendants authorized bank agent signed or accepted Plaintiffs U.S. Currency S.E.C. State Registered Formal New Credit Agreement Debt Lien Payoff Financial Contract Security NOTE Draft and Bill of Exchange as an Order to Pay Bank Promissory Note draft as money which is a negotiable instrument it is binding on all Defendants, thus making it a legally binding simple contract that must be enforced in all courts and of which the United States of Americas institution of contract is respected including the 50 independent states. 

2-304. Price Payable in Money, Goods, Realty, or Otherwise.

( 1 ) The price can be made payable in money or otherwise. If it is payable in whole or in part in goods each party is a seller of the goodswhich he is to transfer.

Company response to consumer: Closed with explanation