Consumer complaint received 2017-03-27
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX I purchased a mortgage from company A, which finance the first and second mortgage. Company A recorded both sales in county of deed office. ( Today I will be talking about the 2nd mortgage ). Company A sold the 2nd mortgage to Company B. In XXXX company B modified the 2nd mortgage and recorded the modification in the record of deeds office. In XXXX Company A recorded an Corporate Assignment of Mortgage for the 2nd mortgage to company C. However there is nothing recorded at the recorded of deed office stating the Company A is the owned of the 2nd mortgage, in XXXX Company B was the owner. How can Company A sell Company C and Corporate Assignment of Mortgage if they do n't own it? 

My Compliant is : For the 2nd mortgage : under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 
Specifically, we are disputing a ) the identity of a true secured lender/creditor, and b ) the existence of debt, and c ) your authority and capacity to collect on behalf of the alleged lender/creditor. Because of extensive criminal activity and fraud in this arena, we require proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. Further, we require proof that you are the entity that has been contracted to work on behalf of the alleged lender/creditor. 

Pursuant to " Subtitle E Mortgage Servicing '' of the Dodd-Frank Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ), please provide : 1. A full, double sided, certified " true and accurate '' copy of the original promissory note and security instrument and all assignments of the security instrument. 

2. Full name, address and telephone number of the actual entity that funded the transaction. 

3. Full name of Trust where the Note Number is trading, or has traded, and the identifying Series of Certificates. 
( Note : If the note number is being traded in a XXXX or XXXX, please provide all information to identify the Trust ( i.e. XXXX Pool Number, XXXX Number, XXXX or XXXX Trust Number and Trust Class/Tranche ). 
4. Full name, address, and telephone number of the Trustee. 

5. Full name, address, and telephone number of the Custodian of my original Promissory Note, including the name, address and telephone number of any trustee or other fiduciary. This request is being made pursuant to Section 1641 ( f ) ( 2 ) of the Truth In Lending Act. 

6. Full name, address, and telephone number of the Custodian of my original Security Instrument, including the name, address and telephone number of any trustee or other fiduciary. This request is being made pursuant to Section 1641 ( f ) ( 2 ) of the Truth In Lending Act. 

7. A physical location ( address ) of the original promissory note, original security instrument, and all assignments of the security instrument, and a contact name and phone number of someone who can arrange for inspection of said documents. 

8. Full name, address and telephone number of any master servicers, servicers, sub-servicers, contingency servicers, back-up servicers or special servicers for this account. 

9. The electronic XXXX number assigned to this account if this is a XXXX Designated Account. 

10. Proof of true sale of the note from alleged Lender to investors, by showing : Wire transfer document ( s ), and/or Signed purchase and sale agreement ( s ), Bank statements or similar documentation. 

11. The XXXX Milestone Report, if the note number and security instrument was tracked by XXXX. I want to see the audit trail of the alleged transfer in ownership and alleged transfer in security interest.

Company response to consumer: Closed with explanation