Consumer complaint received 2025-12-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Aldridge Pite, LLP
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX Of The Estate Of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : NOTICE AND DEMAND PURSUANT TO 15 U.S.C. 1692 ( f ) Unfair Practice Dear XXXX XXXX : The Estate of XXXX XXXX XXXX is in receipt of NOTICE OF BREACH AND DEFAULT AND OF ELECTION OR CASUE TO BE SOLD REAL PROPERTY UNDER DEED OF TRUST, filed XXXX and XX/XX/XXXX, with the XXXX XXXXXXXX XXXX. This request notice is considered as a validation of debt. XXXX XXXX XXXX should have cease collection of the debt, or any disputed portion thereof, until XXXX XXXX XXXX obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to me by XXXX XXXX XXXX Collection activities and communications that do not otherwise violate this subchapter may continue during the XXXX period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
( d ) Legal pleadings as sent to the address XXXX XXXX XXXX alleging to be in the debt collection business and allege a mortgage is past due. 
XXXX XXXX  Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( a ) Federal Trade Commission The Federal Trade Commission shall be authorized to enforce compliance with this subchapter, except to the extent that enforcement of the requirements imposed under this subchapter is specifically committed to another Government agency under any of paragraphs ( XXXX ) through ( XXXX ) of subsection ( b ), subject to subtitle B of the Consumer Financial Protection Act of XXXX [ 12 U.S.C. 5511 et seq. ]. For purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), a violation of this subchapter shall be deemed an unfair or deceptive act or practice in violation of that Act. All of the functions and powers of the Federal Trade Commission under the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by any person with this subchapter, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce the provisions of this subchapter, in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule. 
Clear Recon Corp is considered a debt collector, and a corporation. Corporate law clearly states that corporations can only have a contract agreement only with another corporation. On the face of the envelope the spelling of XXXX XXXX name in all capital letters is a trust that was set up for my mother at time of birth. XXXX XXXX is the generator of the funds : XXXX the promissory note paid off the loan, XXXX paid the bank to birth it into a negotiable instrument, which the bank is trying to say is the mortgage. 
XXXX. The bank never put up any type of consideration at the time of loan. 
XXXX. The promissory note is detached from the deed by being placed in MERS. 
XXXX. The promissory note is securitized, ( bifurcation ) XXXX. This is deceptive practices, along with misrepresentation. 
15 U.S. Code 1692c Communication in connection with debt collection a ) COMMUNICATION WITH THE CONSUMER GENERALLY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I base my claim off the Unlawful Trade Practice Act. Within a private right of action, any consumer who suffers any ascertainable loss of money or property as a result of willful use of an unlawful practice may recover actual damages or {$1000.00}, whichever is greater, plus punitive damages and attorney fees. 

The word XXXX means an intentional, knowingly deliberate, Intending the result which actually comes to pass, Designed, not accidental or involuntary acts. 
The word deliberate may be used either as an adjective or a verb. If used as an adjective, it refers to intentional or predetermined action or omission. Your policy/conduct is particularly harmful and reckless, and the consumers are suffering actual damage that is causing economic damage and loss of enjoyment. 

THAT failure to respond as herein required to this XXXX, within the herein a prescribed time of XXXX ( XXXX ) days will be deemed by this XXXX to invoke the doctrine of acquiescence and admission, to recover, in commerce, the lost or damaged properties plus damages, penalties and costs. 
THAT this Notice and Demand and Warning of Commercial Grace, is the XXXX AND ONLY such Notice and Warning. If Respondent does not answer within XXXX ( XXXX ) days, it shall be considered a willful disregard for this Notice and Warning, and such shall engender the immediate filing of Criminal Complaints ( Affidavits of Information ) and Commercial Liens ( Affidavits of Obligation ) against all parties involved. 
THAT the foundation of Commercial Law, being based on certain eternally just, valid, and moral precepts, has remained unchanged for at least XXXX ( XXXX ) millennia. Said Commercial Law forms the underpinnings of Western Civilization if not all Nations, Law, and Commerce in the world, is NON-JUDICIAL, and is prior and superior to, the basis of, and can not be set aside or overruled by, the statutes of any governments, legislatures, quasi-governmental agencies, or courts. It is therefore an inherent obligation on all corporate Agents to uphold said Commercial Law, without which said entities are violating the just basis of their alleged authority and serving to disintegrate the society they allegedly exist to protect. 
CONTRACT OF LIABILITY FOR ALLEGATIONS THAT if the XXXX, said agent of Clear Recon Corp fails to rebut such claims or charges, the Undersigned is LAWFULLY entitled to claim default against the Respondent. In that case, the Undersigned is fully entitled to take whatever LAWFUL steps may be necessary in order to execute this, Lien. 
THAT only I, the Human Being involved against my free will in this instant matter, can determine how much stress, economic damage, and other disturbance I have suffered by virtue of XXXX XXXX willful use of an unlawful practice, and consequently only I am in the position to decide and dictate my desired compensation, being the amount of {$200000.00} for the Unfair practice on my absolute sovereignty, that being the sum total demanded by this Commercial Lien on the individual said agent of XXXX XXXX XXXX, who is liable for the above claim THAT by specifically offering said agent of XXXX XXXX XXXX the chance to apologize in writing ( although the opportunity has always been there for the taking ), in this instant matter, XXXX  come to this position with clean hands as having shown good faith. 
THAT for all the purposes of all of the forgoing, all references to said agent of XXXX XXXX XXXX shall be construed to refer to an individual who considers their Legal Fiction Name to be XXXX XXXX, or any variant thereof, including Names phonetically sounding the same or similar, and who can accept service via mail to XXXX XXXX XXXX Attn : Customer Relations, XXXX XXXX XXXX, XXXX, TX XXXX that the Estate of XXXX XXXX XXXX XXXX XXXX Undersigned XXXX depose and certify that it have written the foregoing with intent and understanding of purpose, and believe the statements, allegations, demands and contents herein to be true, correct, and complete, commercially reasonable, and just, to the best of my knowledge and belief. 
All words herein are as XXXX defines them. 


Signed and sealed this XXXX  day of XXXX, XXXX. 
All rights reserved. 

By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation