Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCalla Raymer Leibert Pierce, LLC
State: FL

Complaint narrative:
I am writing to formally file a complaint against McCalla Raymer Leibert Pierce, XXXX, a law firm currently attempting to collect a debt that I do not owe. Despite my multiple requests for documentation, this company has failed to provide critical information regarding the origination and servicing of the loan in question. I have sent a certified letter to the company requesting copies of essential documents, including the original loan details, the wire transfer documentation, and the name of the original lender. However, these requests have gone unanswered, and the company has failed to provide any of the requested information. Concerns Regarding Fraudulent Practices and Missing Documentation Fraudulent Documents Filed : Documents were filed with the XXXX XXXX XXXX XXXX in Florida that are misleading or fraudulent. Specifically, these documents fail to disclose the name of the original lender or any information regarding down payment assistance ( DPA ) funds disbursed as a part of the loan agreement. Failure to Disclose Critical Information : Despite the request, McCalla Raymer Leibert Pierce, XXXX has not disclosed the HUD approval of the loan, the full details of the two-loan structure, or the original lenders name. Furthermore, information regarding the DPA loan 's application towards the debt remains undisclosed. Non-Disclosure of DPA Loan Information : The loan was represented as assistance under a state housing program, yet there is no proof of program-required borrower disclosures, eligibility certifications, or compliance with Florida Housing Finance Corporation guidelines . The company has also failed to demonstrate whether the DPA loan is subject to forgiveness, recapture, or resale provisions, raising concerns of program misuse and deceptive practices. Alleged Violations of Federal and State Laws FDCPA Violations : The ongoing collection efforts and threats of legal action by McCalla Raymer Leibert Pierce, XXXX, despite the active dispute of the debt, potentially violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the collection of debts that are disputed or unsubstantiated. RESPA Violations : The companys failure to provide critical disclosures, such as the closing documents and full accounting of both loans, likely violates the Real Estate Settlement Procedures Act ( RESPA ), which mandates that lenders provide accurate and timely information regarding loan servicing and associated fees. CFPB Servicing Rules Violations : The company 's handling of the loan servicing and lack of required documentation appears to violate Consumer Financial Protection Bureau ( CFPB ) servicing rules, which require accurate recordkeeping, transparency, and responsiveness to consumer inquiries. Misuse of Government Assistance : The improper treatment of the DPA loan as a collectible debt, without providing required documentation, raises concerns about the improper conversion of government assistance into private enforceable debt. This could violate federal and state guidelines governing the disbursement and management of housing assistance programs. Harm Caused Due to these actions, I have faced the following harm : Collection Activity on a Disputed Debt : The company has initiated collection activities on a loan that is disputed, potentially unenforceable, and improperly documented. Inaccurate Debt Amount : The amount of debt claimed by the company is inaccurate and inflated, which further exacerbates my financial distress. Inability to Refinance or Sell : This erroneous debt is impairing my ability to refinance my mortgage or resolve my housing situation. Significant Stress and Financial Uncertainty : The improper handling of this debt has caused significant emotional and financial hardship.

Company response to consumer: Closed with explanation