Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Millsap & Singer, LLC
State: MO

Complaint narrative:
This correspondence is what we sent to the bankruptcy trustee after reviewing it she decided to discharge the debt and put property on asset side and she didn't want to be involved in any fraudulent foreclosures which was filed XX/XX/XXXX and XXXX XX/XX/XXXX We contact XXXX XXXX XXXX XXXX XXXX XXXX Deed office by phone to inquire about if Round point Mortgage and Freedom Mortgage record their assignments to show ownership at XXXX XXXX XXXX XXXX XXXX Missouri XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Deed XXXX XXXX that there was no assignments recorded prior to me calling by Round point Mortgage or Freedom Mortgage. XXXX Mortgage later recorded XXXX XXXX XXXX XXXX record of deed office XX/XX/XXXX an fraudulent recording showing that XXXX XXXX XXXX XXXX assigned mortgage to XXXX XXXX Mortgage XXXX which cant be true because the correspondence dated XX/XX/XXXX from XXXX Mortgage states that mortgage is being assigned, sold or transferred from XXXX Mortgage, XXXX to XXXX XXXX Mortgage XXXX XXXX effective XX/XX/XXXX The recorded document # XXXX should state XXXX XXXX Mortgage and Grantee Round point Mortgage the documents has been altered, from their thats when we filed Quitclaim Deed dated XX/XX/XXXX to protect our property due to the fact Freedom Mortgage never proved they were the holder of due course and had any interest in the property. 
We received a debt collection letter from Millsap & Singer PC on behalf of XXXX Mortgage dated XX/XX/XXXX indicating we owe an alleged debt in the amount of {$160000.00} to XXXX Mortgage and that we had up to XX/XX/XXXX to dispute the debt and all collection activities will stop. 
In violation of XXXX XXXX XXXX on XX/XX/XXXX Millsap & Singer PC on behalf of Freedom Mortgage sent us a correspondence stating that we were in foreclosure the day after they sent the debt collection letter. We also received a copy of Appointed Trustee letter which was filed XX/XX/XXXX from XXXX XXXX Mortgage XXXX to XXXX XXXX and Singer, PC but does not show up on XXXX XXXX XXXX XXXX Record of Deed records which I have copy from tapestry the only filing in year XXXX is an Affidavit filed by XXXX XXXX. 
On XX/XX/XXXX we mailed Millsap & Singer PC a Notice Of Dispute ; Demand For Validation and XXXX XXXX XXXX certified # XXXX XXXX XXXX XXXX XXXX which they received XX/XX/XXXX. 
XXXX XXXX received a response to the Notice of Dispute ; Demand For Validation and Proof of Claim that didnt demonstrate a bone fide claim that they are the holder of due or course or have security interest in the property located XXXX XXXX XXXX XXXX XXXX  XXXX and enclosed is the documents that they sent us dated XX/XX/XXXX from XXXX XXXX XXXX on behalf of Freedom Mortgage. 
Before XXXX XXXX had a chance to even receive the letter and verify the alleged debt Millsap & Singer filed for Foreclosure on behalf of Freedom Mortgage XX/XX/XXXX XXXX day after correspondence dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX all of this before the time giving to dispute by XX/XX/XXXX. 
On XX/XX/XXXX I mailed Millsap & Singer on Behalf of Freedom Mortgage a Notice of Irrevocable Estoppel by Acquiescence by certified mail # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX received XXXX correspondence from XXXX stating that they are the new owners of the alleged Mortgage loan sold dated XX/XX/XXXX which was not recorded with the XXXX XXXX XXXX Record of Deeds office. XXXX Mortgage sold alleged loan XX/XX/XXXX that mean they didnt have ownership to file foreclosure XX/XX/XXXX XXXX XXXX XXXX a correspondence from Millsap & Singer PC on behalf of XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX in the response to the Notice of irrevocable Estoppel by Acquiescence that was mailed certified to Millsap & Singer PC on XX/XX/XXXX. The correspondence from Millsap & Singer PC on behalf of XXXX XXXX  XXXX XXXX XXXX didnt demonstrate a bone fide claim that they are the holder of due course or have security interest in the property located at XXXX XXXX XXXX XXXX XXXX  XXXX This XXXX and enclosed items was a duplicate of the correspondence dated XX/XX/XXXX. 


Millsap & Singer PC on behalf of FREEDOM MORGAGE complaint is completely based on assumption, fraudulent intent, conspiracy and forgery of signature and documents no standard proof has been given. No supporting documents have been established. Millsap & Singer PC on behalf of FREEDOM MORTGAGE never showed proof of original Note and deed of trust together, there is too much inconsistency, unfair deceptive and abusive practices. Also, XXXX removed XXXX from my credit report because XXXX Mortgage failed to verify their security interest or prove that they were the holder in due course. This evidence suggests fraudulent activity involving multiple parties attempting to extort our property, causing significant harm. 
XXXX XXXX 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