Consumer complaint received 2017-06-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SOUTHEAST MORTGAGE OF GA INC (GA)

To review my full complaint, please review the Attached File " Civil Action File NO XXXX '' Summary of Violations & Complaint : Clouded Title & Failure To Follow Federal Lending Guidelines. 1 ) Lender did not provided borrower a 3 Day Closing Disclosure Provide ( see exhibit A & B ) 2 ) Failure to disclose terms and condition as set forth in illegal assignment of deed to XXXX 3 ) Lender failed to disclose sale of note and interest to XXXX XXXX ( see exhibit C-Allonge ) executed XXXX XXXX, same day as original promissory note, ( executed on behalf of SEM ) no offer, consideration or acceptance was made to complainant for XXXX XXXX contract ) 4 ) Conflicting sale ownership transfer dates from SEM to  XXXX. As per XXXX dated XX/XX/XXXX, transfer ownership was executed on the XX/XX/XXXX. This contradicts the notice from Southeast Mortgage dated XX/XX/XXXX from SEM, states that transfer to take place on XX/XX/XXXX ( see exhibit C & C-1, C-2 ) Additional conflict, notice from XXXX, dated XX/XX/XXXX, state sale/transfer to place on XXXXXXXX & Notice of sale/transfer from SEM are in contradiction. <P/>5 ) Non compliance of federal lending guidelines, failure to record sale transfer of note ownership with XXXX County Record of Deeds from SEM to  XXXX. <P/>6 ) Additional confusion and conflict in determining who to make payment to and what amounts as created by receiving notification dated,XXXX advised of yet another transfer from XXXX XXXX  to XXXX effective XX/XX/XXXX. ( see exhibit C-3 ). <P/>7 ) Furthermore confusion and conflict in determining who to pay and what amounts created by receiving notification ( see exhibit C-4 ) dated XX/XX/XXXX advising of sale transfer of note ownership from XXXX to XXXX, also effective on XX/XX/XXXX, effective on the same exact date as the previous transfer from XXXX to XXXX ( see exhibit C-3 ). <P/>8 ) Further confusion and conflict in determining who to pay and what amounts, being created by receiving notification dated XX/XX/XXXX from XXXX, transferring serving to SEM, effective beginning XX/XX/XXXX. Having also received notification dated XX/XX/XXXX from SEM, indication transfer of servicing from XXXX to SEM, effective XX/XX/XXXX. <P/>9 ) Non compliance of federal lending guidelines, failure to record sale transfer of note ownership with XXXX County Record of Deeds regarding XXXX to XXXX ( see exhibit C-3 ) 10 ) Non compliance of federal lending guidelines to record sale transfer of note ownership with XXXX County Recorder of Deeds from XXXX to XXXX ( see exhibit C-4 ) 11 ) Non compliance, failure to in file XXXX County, GA, a Public Record Deeds any and all sale/ownership transfers from lender to lender, and/or servicer to servicer, as of XX/XX/XXXX. <P/>12 ) Deceptive Lending Practices ( see exhibit A & C ) Withholding crucial information needed for borrower to make an informed decision based on all the facts associated with loan origination, terms, and/or sale/transfer of note transfer and interest. <P/>13 ) Extortion of Funds attempt to collect mortgage payments from borrower on note that had already been sold prior to date of collection notice sent by SEM,  dated. ( see exhibit D, D-1 ) 14 ) Non compliance of federal lending guideline regarding failure to provide borrower 30 notice for validation of debt prior to executing foreclosure proceedings ( see exhibit E, F, G-foreclosure notices ) 15 ) Non compliance of Federal lending guidelines. Failure to provide borrower notice of default. prior to acceleration of debt ( see exhibit E & F ) 16 ) Non compliance of Federal lending guidelines to provide borrower 30 day notice of opportunity to cure to prior to illegal forclosure ( see exhibit E, F ) 17 ) Non compliance of Federal and/or State regulations regarding the combined 7 day notice of opportunity to cure received on or about XX/XX/XXXX, with an accelerated amount of XXXX being demanded for payment no later than XX/XX/XXXX. Included on this same notice is the intent to foreclose notification three after 7 days ( see exhibit G, G-1 ) 18 ) Illegal acceleration of debt ( see exhibit F, G, H ) 19 )  Abusive Collection Practices, accelerated debt collection attempts ( see exhibit H ) 20 ) Non compliance of Federal mortgage/foreclosure guidelines. Under provisions, as held per TARP of XXXX, XXXX. " All American citizens are protected from foreclosure and sheriff sales at the state level. <P/>21 ) Public humiliation, loss in personal credibility and creditworthiness caused by publishing multiple illegal foreclosure advertisements in public newspapers. ( see exhibits I, J, K ) & credit reporting to major credit bureau agencies. <P/>22 ) Failure to provide copy Mortgage Insurance Policy issued by HUD paid for by Complainant, in the amount {$4800.00} ( see exhibit M, pg 2 sec 'b'-05 ) 23 ) Failure to record certificate of satisfaction with state of Georgia public records to publicly record the purchase of my home from builder, XXXX XXXX. <P/>24 ) Violation of privacy. Borrower was not informed or made aware that pivy information to SOUTHEAST MTG ( SEM ) would be sold, shared and/or disclosed to others without prior notification or my consent. I believe that that law is called Gramm Leach Blily Act.