Consumer complaint received 2025-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: AmeriHome Mortgage Company, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX has failed to provide full disclosure and breached the contract. The Promissory note and Deed has been seperated sold and put in a XXXX trust. The US Bank National Association has no proof of Original contract. Securitization report and Cusip shows proof on XXXX XXXX. Failure to provide chain of title and improper/missing filling of the mortgage assignment. Servicer is attempting to act has Originator with special interest. Unjust enrichment, violation of banking laws, engaging in deceptive financial practices by misrepresenting the nature of a purported loan, unlawfully monetizing promissory note, failing to credit the funds under banking regulations, knowingly concealed material financial transactions including the conversion of the promissory note into a bank asset and the corresponding deposit liabilty held in my name. Despite bank being paid in full through securitization and off balance sheet activities, continuing to collect on a " debt '' they no longer have legal standing to enforce. VIOLATION of 12 U.S.C. 503 12, U.S.C 1847, 18 U.S.C 1005.

I am a State resisident and a Natural born Living man and US Bank National Association is a Financial institution conducting under a " foreign entity '' under 12 U.S.C. 632 and is restricted with engaging in certain transactions with U.S Citizens. 
I executed a promissory note under assumption that Servicer XXXX XXXX XXXX XXXX XXXX XXXX  that servicer was extending lawful consideration in the form of a loan. 

Instead of extending funds from capital reserves the U.S Bank national Association monetized the promissory note converting it into a asset and recorded it into the rc balance sheet. 

In accordance with 12 U.S.C 1847 failed to disclose that they created credit by using my asset and failed to credit account for the equivalent liability. 

US Bank national association engaged in deceptive accounting practices moving the obligation off their balance sheet through securitization by XXXX XXXX XXXX ( CASH collateral account ) XXXX XXXX XXXX  ( off balance sheet liabilities ) XXXX XXXX XXXX ( Debt Acquisition Disclosures ) receiving full payment for the obligation via investor funds. Insurance claims or government backed securities. Yet continued to misrepresent the balance due and owing. This constitutes fraudulent double dipping and unjust enrichment. In Violation of 12 U.S.C. 1203, and 18 U.S.C. 1005. 

Engaging in aggresive collection tactics including reporting innacurate balances to Credit Reporting agencies. Filing unlawful Foreclosure amd debt collection actions. Demanding payment on a debt already settled. False bank entries and fraudulent Notorized documents Recision of Signature Cease and Desist Notice of Right to cancel Affidavit of truth XXXX, were sent to XXXX and ignored. Continuing their predatory practices. Will File complaint with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation