Consumer complaint received 2024-03-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CrossCountry Mortgage LLC (CA)

On or about XX/XX/2024, I applied to receive mortgage assistance from CrossCountry Mortgage LLC. However, to date, I have received NO RESPONSE OR COMMUNICATION from XXXX regarding my request for hardship assistance. This is in violation of my rights under the XXXX  rules and regulations regarding requests for mortgage assistance/relief from homeowners. 

On or about XX/XX/2024, I mailed a notice of adverse action to CrossCountry Mortgage LLC ( hereinafter " CCM '' ), the Servicer of my mortgage. In that letter, I requested the information for the original creditor since XXXX had provided a letter dated on or about XX/XX/2024, informing me that the original creditor was XXXX XXXX and that the mortgage note was placed into a mortgage backed asset pool. They also provided me the specific name of the mortgage backed asset pool. In my letter dated XX/XX/2024, I specifically asked for the CUSIP number of the mortgage backed asset pool. XXXX responded that it was " proprietary information '' and they COULD NOT provide me the CUSIP number. However, CUSIP Numbers are NOT " proprietary information ''. CUSIP numbers are unique numbers assigned to a financial security. Since the financial security is mine, I am entitled to know the CUSIP number and XXXX must share that information with me upon request and I have and am requesting the CUSIP number. 
I also specifically asked for the original creditor 's information including the specific address of the creditor. I also specifically inquired about the Deed of Trust since the Deed of Trust currently does not properly reflect that XXXX XXXX, a subsidiary of the XXXX XXXX XXXX XXXX XXXXnd XXXX XXXX, is the actual lender/creditor and it does not reflect the correct Trustee and it does not reflect the correct Beneficiary. 

On or about XX/XX/2024, I received correspondence from XXXX, in which they did not provide all of the information requested. I did however, receive a payoff quote from XXXX, although it was NOT requested. By NOT providing the specific information I requested, XXXX is in violation of my federally protected rights under FDCPA, FCRA, and UDAAP and in violation of XXXX, XXXX XXXXXXXX, XXXX XXXX  and XXXX. 

XXXX further violated my rights by refusing to acknowledge that they attached an allonge to the mortgage note and already received the full amount of the note due but then also proceeded to assign the note to other holders in due course and have amassed and received additional financial benefits and reimbursements as a result of the mortgage note that I alone signed. I have sent XXXX a notarized revocation of XXXX of Attorney, a current XXXX of Attorney, a revocation of security interest on the note, and instruction letter. I also informed XXXX that I will have a forensic audit completed on the mortgage note to evidence the capital gains that have been earned on my behalf that XXXX has failed to credit my securities to me. Thus XXXX is committing securities fraud by continuing to act on my behalf and/or act as my fiduciary in regards to the mortgage note and continued assignments. Currently, the note was recently assigned to XXXX XXXX XXXX per XXXX. ( See attached ).