Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Acra Intermediate Holdings, LLC
State: GA

Complaint narrative:
XX/XX/XXXX VIA CERTIFIED EMAIL ( RETURN RECEIPT REQUESTED ) XXXX XXXX ATTN : XXXX Department XXXX XXXX XXXX XXXX XXXX RE : FORMAL DEMAND FOR FULL LIFE-OF-LOAN LEDGER & NOTICE OF INTENT TO FILE MORTGAGE FRAUD COMPLAINT Loan Number : XXXX To the XXXX Department : This letter serves as a formal Demand for a Complete Transactional Ledger and a Notice of Error regarding the fraudulent misapplication of funds on the above-referenced loan. I. STATEMENT OF FRAUDULENT ACTIVITY On or about XX/XX/XXXX, I purchased my home. Since that time, XXXX XXXX has engaged in the following illegal acts : Misappropriation of Funds : XXXX diverted my escrow funds to pay a XXXX tax lien that was the sole responsibility of the previous homeowner for a period pre-dating my ownership. HAF Program Fraud : XXXX received {$50000.00} from the XXXX XXXX XXXX XXXX XXXX XXXX ) intended for my account. Despite this massive injection of funds, XXXX has failed to provide an accounting and has falsely reported " shortages '' and " late payments, stating my payments are behind, This has been occurring since the mortgage began on XX/XX/XXXX. Non-Communication : XXXX has failed to disclose these lien-satisfaction transactions, intentionally keeping me in the dark while my property title was impacted. II. GEORGIA STATUTORY CITATIONS XXXX actions fall under the definition of Residential Mortgage Fraud as defined in O.C.G.A. 16-8-102, which states that a person commits the offense of residential mortgage fraud when they knowingly : Receive any proceeds or any other funds in connection with a residential mortgage closing that such person knew resulted from a violation of [ the law ] or ... file or cause to be filed with the official registrar of deeds of any county of this state any document such person knows to contain a deliberate misstatement, misrepresentation, or omission. '' Furthermore, under O.C.G.A. 7-1-1013, mortgage servicers are prohibited from engaging in " unfair or deceptive '' practices or failing to " faithfully perform '' their duties. Using a current homeowners funds to pay a prior owners debt is a per se violation of these fiduciary and statutory obligations. III. FINAL DEMAND FOR PRODUCTION I demand that XXXX produce a full, unedited transaction ledger from XX/XX/XXXX to the present within XXXX ( XXXX ) business days. This ledger must include : A line-by-line breakdown of the {$50000.00} HAF disbursement. All escrow disbursements identifying the specific tax year, parcel ID, and owner name for whom the payment was made. Copies of all tenders and internal notes regarding the XXXX XXXX. IV. NOTICE OF ESCALATION If this ledger is not produced and my account balance is not corrected to reflect the fraudulent tax payment, I will proceed with formal complaints to : The XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Consumer Financial Protection Bureau ( CFPB ). Govern yourself accordingly. Respectfully, Homeowner, Ps, I will email lien documents separately, directly to XXXX.....

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