Consumer complaint received 2024-08-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Christensen Financial, Inc. (FL)

I filed a complaint with the XXXX against XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX which got transferred to the Consumer Financial Protection Bureau case XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX said they were dba XXXX XXXX, not individually but as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX makes all the decisions not them and they had nothing to do with anything. 
A trustee of a XXXX ( which XXXX holds themselves out to be ) makes all the decisions and runs the Trust on behalf of the beneficiaries like a CEO runs a business. That is a Trustees job. First, the trustees have a fiduciary duty, including the duties of care and loyalty, meaning that they act in good faith with the belief that the actions they do and approve are in the best interests of the shareholders ( beneficiaries ). 
In this case XXXX is just a false figurehead that does nothing. This is misrepresentation and it also is a scheme to defraud the public, and the judges in court with foreclosure cases to take the property away from the owners. XXXX intent is to make sure everyone thinks that they are a prestigious bank. XXXX is not a bank or a lender helping the consumer. Instead, they are a debt buyer of bad debt, not helping the consumer, from XXXX XXXX XXXX XXXXXXXX XXXX ( who does not lend to consumers but lends to mortgage companies )XXXX XXXX XXXX XXXX XXXXXXXX XXXX instead of holding the mortgage company they gave the money to, liable to pay the money back, XXXX XXXX XXXX XXXXXXXX XXXX sell the bad debt to a debt collector who buys bad debt. XXXX buys bad debt. Exhibit XXXX XXXX is a debt collector and sells to investors who hope they collect the bad debt. They hire lawyers who are also debt collectors. They disguise themselves, so they do not have to adhere to the ridged federal Fair Debt Collection Practice Act 15US Code 1692 and in Florida the Florida Consumer Collection Practice Act, FS 559.72 Pretium had me fooled that they were a prestigious bank. But they are a sleazy debt collector, and they have violated FS 559.72 ( 9 ) Claim, attempt, or threaten to enforce a debt when such person knows that the debt is not legitimate, or assert the existence of some other legal right when such person knows that the right does not exist. 
I told the law firm XXXX that they do not have a valid XXXX on property because they do not have a valid assignment. XXXX does not have a valid assignment for many reasons but first because they can not be the assignor ( seller ) and the assignee ( buyer ) of my mortgage, which they did. Fs XXXX requires a valid assignment from the valid lender to the next valid lender. Exhibit XXXX  invalid assignment. Prior lender XXXX XXXX XXXX ( who changed their name to XXXX XXXX, XXXX ) was indicted for fraud by the Federal Trade Commission in XXXX, so XXXX  sign in their place as the assignor for them in XXXX and assigned the mortgage to themselves to XXXX in Minnesota. XXXX can not do this. The Secretary of State in Minnesota says XXXXXXXX XXXX XXXXXXXX XXXX does not even exist in Minnesota as XXXX claims they do. Exhibit XXXX  The lender before was XXXX who assigned a defective assignment in XXXX to XXXX XXXX XXXX. XXXX then corrected the assignment to XXXX XXXX XXXX XXXX in XXXX and filed an amended assignment in XXXX. XXXX XXXX XXXX XXXX, who changed their name to XXXX XXXX XXXX need to file a corrected assignment to XXXXXXXX XXXX  XXXX XXXX, which they have not done, and they need to have XXXX sign it and only XXXX XXXX, XXXX to be valid. 
I advised the law firm partner XXXX XXXX who is in charge of compliance, and she ignored me. So did XXXX XXXX who is an associate at this law firm. Exhibit XXXX and XXXX Also, XXXX needs the note endorsed to them per Fs XXXX ( XXXX ) because they are not a bank and are an investment group. Exhibit XXXX  I told their collection attorney XXXX XXXX and his supervisor XXXX XXXX that they do not have proper paperwork, a valid XXXX, or an endorsed note to them. 
They ignored me and these collection lawyers and XXXX debt XXXX bully people to steal their house away from them. The lawyers and the XXXXXXXX XXXX XXXXXXXX XXXX which does not exist in Minnesota are all guilty of violation of Fs 559.72 ( 9 ) and Deceptive Trade Practice XXXX because XXXXXXXX XXXX  XXXX XXXX XXXX who they really are, they are not a bank they are a debt buyer of bad debt who gets investors to buy into their cause in the hope they will collect the bad debt by hook or by crook. They illegally try to collect the debt when they do not have proper standing and they need to be stopped. 
Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX