Consumer complaint received 2025-09-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : I am writing to file a formal complaint against Planet Home Lending , LLC regarding the wrongful dishonor of a negotiable bank note instrument ad the subsequent and unjust initiation of foreclosure proceedings. This constitutes a severe violation of my rights and a breach of the Uniform Commercial Code ( UCC ) and other legal statutes. 
The instrument in question was a bank note in the amount of {$300000.00}, which was wrongfully dishonored by the bank on XXXX XXXX ]. This dishonor was the sole basis upon which the bank subsequently initiated foreclosure proceedings against me, a process which I believe to be both baseless and unlawful.

This action violates several key principles of law : 1. Wrongful Dishonor Under the UCC : A bank note is a form of a negotiable instrument, and its dishonor is governed by the UCC. Under UCC 3-502 ( a ), an instrument is dishonored when a timely presentment for payment is made and the bank refuses to pay. Planet Home Lending , LLC s dishonor of my valid note was a wrongf
ul act that led directly to my alleged This wrongful dishonor also caused me significant financial and emotional damages, which are recoverable under UCC 4-402.

2. Lack of Legal Standing for Foreclosure : A party must have legal standing to initiate foreclosure proceedings. This means they must be the true holder of the promissory note and the mortgage. My bank note was dishonored, not legitimately unpaid. Planet Home Lending , LLC s refusal to honor a valid instrument means it can not justly claim I am in default for non- payment. This makes their claim of standing to foreclose highly questionable and likely a violation of my legal rights.

The burden is on the foreclosing party to prove they are the holder of the note with the right to foreclose, and their wrongful dishonor undermines this claim.

3. Violation of the Obligation of Good Faith : The UCC imposes an obligation of good faith in all its transactions and duties ( UCC 1-304 ). Planet Home Lending , LLC s actionsfirst wrongfully dishonoring a valid instrument and then using that wrongful act to justify a foreclosureare a clear demonstration of bad faith. This predatory behavior, aimed at seizing my property based on a fabricated default, is a severe violation of this principle.

4. Wrongful Foreclosure : The foreclosure process itself is a direct result of the Planet Home Lending , LLC s initial illegal act of dishonoring my note. A foreclosure is considered when it is initiated without proper legal authority or for reasons that are not a legitimate default by the borrower.

Planet Home Lending , LLC s actions fall squarely into this category.

The case law on wrongful foreclosure and the sanctity of negotiable instruments supports my position.

For example, Dodd -Frank Wall Street Reform , U.S National Association v Bartram , 211, Weinberg v. Bank of America 2013 WL . 6480370 ( E.D. Cal 2013 ) courts have consistently ruled against financial institutions that engage in predatory or wrongful actions leading to foreclosure establishes that a lender can not proceed with a foreclosure when the underlying default is a result of the lenders own misconduct.

Company response to consumer: Closed with explanation