Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: McCalla Raymer Leibert Pierce, LLC
State: NJ

Complaint narrative:
This correspondence constitutes a formal complaint and request for immediate investigation into newly identified information involving debt bankruptcy full disposition full settlement XX/XX/year> fully satisfied mortgage servicing misconduct, potential federal program abuse, and ongoing foreclosure activity despite evidence of federal payoff and/or satisfaction. This matter requires urgent senior-level review. Parties Involved : Law Firms : XXXX XXXX XXXX XXXX XXXX ( XXXX / XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( Servicer ) XXXX XXXX ( Investor/Owner ) XXXX XXXX XXXX ( Alleged Trust Vehicle ) Core Allegations : Federal Program Payoff / Misapplication of Funds Evidence indicates that federal mortgage assistance programs ( including but not limited to Treasury/HAMP-related frameworks ) satisfied or materially reduced the loan obligation. Despite this, foreclosure proceedings continued. Violation of Regulation X ( 12 CFR 1024 ) Failure to properly evaluate and implement loss mitigation Failure to provide permanent modification documentation Dual tracking ( foreclosure proceeding while mitigation active ) Failure to respond to Qualified Written Requests ( QWRs ) Standing and Assignment Defects No valid chain of assignments produced Failure to demonstrate ownership or authority to enforce Use of a XXXX XXXX ( XXXX ) without proper transfer documentation Unjust Enrichment Retention of federal funds while continuing foreclosure action Attempt to collect on a debt potentially satisfied or reduced by government disbursement Due Process Violations Case improperly treated as uncontested despite responsive pleadings Reliance on certifications known to be inaccurate or misleading Attorney Misconduct The above-listed law firms proceeded with foreclosure actions despite knowledge of : Attached bankruptcy documentation XXXX FULL SETTLEMENT AND FINAL Disposition Full Settlement claim closed Loan modification activity Federal program involvement Defective documentation and standing issues NEW INFORMATION REQUIRING ACTION : Recent review and compilation of records establish that federal funds were applied to this loan account, yet foreclosure enforcement continued without reconciliation or disclosure. This constitutes potential fraud, misrepresentation, and misuse of federal program funds. This information was not previously addressed and now triggers a duty to investigate. Requested Action : Immediate investigation into servicer conduct and federal fund application Suspension or review of foreclosure-related enforcement actions Audit of payment history and federal disbursements Review of legal filings for accuracy and compliance Referral for enforcement and/or prosecution where appropriate Request for Senior Involvement : Given the multi-agency implications and potential systemic violations, this matter is respectfully escalated for review by senior supervisory or enforcement personnel. Exhibits Provided : Exhibit A Loan Modification Documentation / Certifications Exhibit B Payment History / Evidence of Federal Funds- XXXX APPROVED COMPLETE PAID FULL SETTLEMENT Exhibit C Correspondence with Servicer Exhibit D Foreclosure Filings and Certifications Exhibit E Absence of Assignments/ Chain of Title Defects Exhibit F Qualified Written Requests and Responses Exhibit G Court Orders / Mediation Directives All exhibits are organized and available for immediate review upon request or submission. This is a time-sensitive matter involving an active foreclosure process. Immediate attention is necessary to prevent irreparable harm. Please confirm receipt and provide a point of contact for follow-up. Respectfully submitted,

Company response to consumer: Closed with explanation