Consumer complaint received 2017-08-31
Company: Quality Loan Service Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Quality Loan Service Corporation, the non-judicial side of the foreclosure process of XXXX XXXX Attorneys sent two notices to the address of my abode, one addressed to me and one addressed to my XXXX father. 
________________________________________________________________________________________________________________ In the mailings was a Debt Validation Notice stating that the current debt owed on my mortgage was {$130000.00}. The notice listed XXXX XXXX XXXX as the loan servicer for my FHA mortgage. 
_________________________________________________________________________________________________________________ I thought that the two mailings from Quality were false because the debt listed above is nowhere near the mortgage balance. The problem is that anyone has access to the terms of my loan, the original balance, when the loan originated, etc. But the one thing that is less accessible to anyone is the loan balance at, say, the moment. 
__________________________________________________________________________________________________________________ When Quality forwarded the amount stated above, I genuinely thought that this was a false mailing, when it presented itself as the trustee sale entity for a non-judicial foreclosure. 
_______________________________________________________________________________________________________________ The mailing did present XXXX XXXX  XXXX as the one bringing the action, but XXXX knows to the very penny how much I owe on the loan. 
XXXX XXXX 's representatives did n't know about the foreclosure as late as XXXX/XXXX/XXXX, when I spoke with a representative with the company on that date. 
_______________________________________________________________________________________________________________ In my last complaint, Quality gave a diversionary tactic, which I see that it has done likewise in defenses penned at various websites. Its typical ploy is approximately : " XXXX XXXX is mistaken in thinking that Quality has an interest as trustee sale entity. Quality is just the agent in the foreclosure action and nothing else. '' Quality added to its response to me : " If XXXX XXXX wants to know what the debt is, he/she should talk to XXXX. '' Indeed I did, and the reps at XXXX directed me to the law arm at Quality, XXXX XXXX, and that they had nothing further to help me with, because they know that Quality did badly by presenting the debt figure it did. 
XXXX This nebulous response was what Quality stated to me in answer to my query : " What is the mathematics behind the debt figure, which it presents that is so materially different than the loan balance? '' It states very clearly on its Debt Validation Notice that if I had questions of the balance, to send in writing within 30 days of notice. I did this also, sending in two emails to Quality per instruction on XXXX XXXX, well within 30 days. 
_______________________________________________________________________________________________________________ The stipulation of the law is that the debt balance must be stated to the penny. If it is n't, then I have a legitimate complaint, if I can not verify it as the person who has the loan. I have the right to know to the penny how this figure came to be. Quality should not put its name behind any amount owed, unless it is assured of being correct to the cent. I need answers ; I need to know what action I need to take. Quality has dragged its feet for over three weeks, with its reps saying, talk to XXXX, or making some excuse as to why it has n't so answered. 
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Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation