Consumer complaint received 2025-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
Formal Rebuttal & New Evidence CFPB Case # XXXX ( Complaint # XXXX ) From : XXXX XXXX XXXX XXXX / Legal Deed Owner ) I am submitting this as a formal rebuttal to the response provided in CFPB Case # XXXX ( Complaint # XXXX ) and referencing CFPB Case # XXXX ( Complaint # 1 ), where Homeloan Servicing already confirmed that an illegal title transfer occurred. 

After reviewing their reply, I am providing additional evidence, clarifications, and formal questions that remain unanswered. 

1. Illegal Title Transfer & Deed Ownership Homeloan Servicing admitted in writing ( Complaint # 1 ) that an illegal title transfer took place.

Despite this, I remain the legal deed owner per Tom Green County Clerk records.

No legitimate closing or sale is recorded proving the alleged sale never legally occurred. 

XXXX. XXXX  XXXX & Questionable Buyer The buyer was XXXX XXXX XXXX XXXX, which is now dissolved, misspelled on state filings, and had no XXXX number at the time of the transaction. 
This should have made the transaction legally impossible. 

Key Questions : How was title allowed to transfer and funds disbursed without a valid EIN?

Who authorized and approved this transaction?

3. HUD-1 Settlement Statement & PandaDoc Contract I possess a HUD-1 Settlement Statement provided by the buyers side ( XXXX XXXX / XXXX XXXX XXXX XXXX ) that lists closing figures and a commission disbursement.

Critical Issue : The HUD-1 contains no loan number, only a file number, making it impossible to tie this closing to any legitimate mortgage loan file. This omission raises major compliance concerns under RESPA and suggests this transaction may have occurred outside proper escrow controls.

Additionally, the HUD-1 shows a Realtor Fee paid to XXXX XXXX  XXXX XXXX XXXX amount of {$5900.00}, while the PandaDoc contract shows a commission check of {$6400.00} issued to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This discrepancy and the shared surname strongly suggest that XXXX XXXX XXXX is XXXX XXXX business entity. If so, this means she was paid a commission for a sale that never legally closed which may constitute unjust enrichment and a potential RESPA violation. 

I also hold a PandaDoc contract showing : XXXX XXXX as XXXX XXXX XXXX ( XXXX XXXX XXXX ) as Agent Occupancy clause stating only Seller/Buyer may occupy at closing This evidence together raises serious questions about the legitimacy of the transaction, the commission payment, and whether proper escrow and title processes were followed. 

4. Unauthorized Occupancy & XXXX XXXX Despite the occupancy clause, tenants were placed in the home without my consent while I remained deed owner. 
XXXX was collected from XXXX while I never received : Wraparound payments Profit share Notification of rental activity Question : Who authorized this occupancy, and where are the funds currently held? 

5. Attempted Waiver of Rights ( Off-Record Email ) Idaho Housing and Finance Association contacted me outside the CFPB portal , requesting trust paperwork only and ignoring my county clerk deed.

This off-record request appeared to be an improper inducement to waive rights without oversight. 

I preserved this documentation, submitted both trust and deed records, and explicitly refused to waive my rights. 

XXXX. Breach of Fiduciary Duty XXXX  XXXX XXXX XXXX names me as beneficiary. 
Trustee ( XXXX XXXX ) failed to make mortgage payments, allowed the account to become delinquent, and attempted to let the property foreclose while rent was being collected. 
This breach has caused financial harm, credit damage, and emotional distress. 

XXXX. New Evidence : Pre-Foreclosure Notice On XX/XX/year>, I received a Pre-Foreclosure Notice from Homeloan Serv ( attached as Exhibit C ). 

This notice claims that I must restore title back to the original borrowers within 35 days or face foreclosure despite the fact that : I am already listed as deed owner per county clerk records.

Homeloan Serv already confirmed the original title transfer was illegal ( Complaint # 1 ).

This letter shows that foreclosure is actively being pursued against me based on a defective transaction and a title that was never legally transferred out of my name. This creates urgent and irreparable harm if not stopped immediately.

Key Questions That Require Answer How did a dissolved LLC with no EIN complete a transaction and disburse funds? 

How did XXXX XXXX ( or XXXX XXXX XXXX ) receive a commission check for a sale that never legally closed, and why is the HUD-1 commission amount {$500.00} less than the PandaDoc agreement? 

Who authorized occupancy when the contract limited possession to Seller/Buyer only? 

Where are the rents collected from XXXX, and why was I never paid my share? 

Why was I approached off-record by Idaho Housing instead of through the CFPB portal?

Why does the HUD-1 lack a valid loan number, and which lender, escrow company, or title insurer ( if any ) processed this transaction? 

Why am I being threatened with foreclosure for a title defect when I am already deed owner of record and the original transfer was illegal? 

Requested Resolution Immediate halt to foreclosure proceedings until title is fully corrected and CFPB investigation is complete Formal confirmation that I am the rightful and sole owner of the property Full accounting of all rents collected from XXXX, with disbursement of my share Investigation of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX for fraud, misrepresentation, and unjust enrichment Review of HUD-1 Settlement Statement by CFPB/HUD OIG for potential RESPA and closing violations Correction of my credit report to remove delinquency caused by this scheme Restitution for damages, legal fees, and emotional distress

Company response to consumer: Closed with explanation