Consumer complaint received 2016-12-28
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
Greeting, I 'm appealing to CFPB, for legal and contractual assistance, because of a long standing issue with lender and affiliated mortgage servicing company. And, I also have acknowledge to Dept. of Veteran affair that Lender/ Servicing co. , has declared a " Notice of Default & Intent to Accelerate ''. On XX/XX/XXXX, I signed legal-size contractual document to re-finance mortgage at my Home address. What I could not understand, If the XX/XX/XXXX was disbursed date, and a Notary agent would conducts the signing and closing on the XX/XX/XXXX. Then why did Notary agent notarize legal-size document on date of signing. And, leave me a copy of signed documents on disbursement date of signing. There was XXXX set of legal-size of document of contractual agreement! How difficult it 's to take time to do both set to bind a contractual agreement! But, it did not happen that way, at my home address on the XX/XX/XXXX. I have to wait and receive this legal-size documentation at a later date. After, 6 month of requesting of signed Legal-size contractual mortgage documentation from XXXX. ( XXXX ), inform me, of a new mortgage servicing company would replace current XXXX mortgage servicing co. I did paid XXXX, XXXX, & XXXX mortgage payments, to XXXX mortgage servicing co. only for new servicer, Round point Mortgage servicing co. requesting XXXX mortgage payment. At this point, I became Irate and frustrated of what was happening and having to backtrack all payment made and, to assure my escrow account was accurate as well. I then filed a complaint to Florida Office of Attorney General, questioning the validity of my mortgage contractual. After withholding XXXX & XXXX payments, Roundpoint mortgage servicing co. finally mailed me Letter-Size copy of mortgage contract. Which seemed to alter the day of actual signing of Legal-size of un-emboss notarize mortgage contract. I did not signed contract on the XX/XX/XXXX. There was XXXX mortgage payment dues, and I was not at my residence on this date, I doing errand on this day. I believe RoundPoint MSC, Breach contract by altering the closing date of actual signing day of mortgage contract. It my hope that CFPB will help me, to challenge this mortgage of the above company are in compliance with State Statues 702.015, that govern " Original Note ''. I believe, with integrity & ethic, if I 'm to be held accountable to this mortgage, must they also be held accountable too! Not to mention the appearance of an alter date. If I indeed signed these documents on the XX/XX/XXXX, on legal size paper, will it change the date of Disbursement XX/XX/XXXX. When I was serve a ( LIS PEDEN ) foreclosure notice in XX/XX/XXXX, less than 3 month of residence on the property. Resulting, in a HUD investigation of XXXX. The seller of the property, And, managers of XXXX and XXXX getting federal jail time, for allegedly misappropriating of funds. I 'm now convince that XXXX and/or Roundpoint MSC, are not in compliance to Florida State Statue 702.015 " Original Note '' or " Promissory Note '' NOT copy of original documentation to this property. Which maybe, why XXXX employed mortgage servicing company to get around complying with any State Statue, that may apply to my mortgage

Company response to consumer: Closed with explanation