Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XX/XX/XXXX, I had reached out to America First Federal Credit Union about information needed on my deceased fathers mortgage account with no success. On XX/XX/XXXX I got a hold of XXXX XXXX, the XXXX XXXX for America First Federal Credit Union the service lender for my deceased father. She provided me information about my fathers past due amount of XXXX, I had informed XXXX that my father had passed away and I had no knowledge of this past due amount, which was the reason for me contacting America First Federal Credit Union. That call ended that day with XXXX telling me to contact her when I have XXXX dollars to pay the past due amount, I called her on XX/XX/XXXX in an attempt to make arrangement for payments, I also requested for all of the information I can get from her on my fathers account, she said she could not provide me with that information because I am not on the account. The call ended that day with XXXX informing me to call her back on XXXX XXXX with an amount I can pay to prevent the foreclosure process. On XX/XX/XXXX, I called XXXX and requested valid information on my fathers past due debt, copies of bill notices, interest fees, payments and credits that I have never received, before I can make payments, XXXX had stated previously notices were sent out to my deceased father address, She stated she could not provide me with the information because I was not on the account, then I proceeded to inform her that since she stated I am not on the account and the only action that XXXX wants me to take is pay, I would pay but I need information in writing on what is actually owed verifying the debt, and where that money paid is going to be applied. XXXX stated since no payment arrangement was made on XX/XX/XXXX, she would be contacting her attorneys to start the foreclosure process and attorney fees will be added. I sent out an affidavit of these happenings to XXXX the following day just to document for future purposes my request for my deceased fathers mortgage information in writing. In this matter I am the successor in interest, and America First Federal Credit Union, XXXX XXXX were aware of my status when I requested my deceased fathers information and informed her that I was willing to resolve this matter. XXXX XXXX instead of complying with the successor in interest laws for instance confirming my status as successor interest just wanted me to pay the debt. 12 CFR 1024.36, Request for information, was ignored by the service lender, America First Credit Union, XXXX XXXX, also violating the Fair Debt Collections Practices Act. These actions taken by America First Credit Union, XXXX XXXX, also violated my successor in interest rights, and caused me harm as America First Credit Union, XXXX XXXX are fXXXX XXXX on my home. I will be making further complaints to other Government Departments, FBI, DOJ, Attorney General, about this unfair treatment from a service lender towards successors in interest, for the service lenders unjust enrichment.

Company response to consumer: Closed with explanation