Consumer complaint received 2023-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PulteGroup, Inc.
State: FL

Complaint narrative:
Re : XXXX XXXX XXXX and XXXX XXXX, Loan # XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX. 

XXXX XXXX, XXXX failed to disclose our promissory note was securitized and is a Security. Read 15 U.S.C. 78c Section 10 ;, in violation of 15 U.S.C. 78 ( a ) and Regulation Z, C.F.R. Securitization is Illegal. 

A mortgage note is under UCC Article 3. After securitization, it comes under Article 8. Under US law securitization is illegal because it is fraudulent. The note is not under a negotiable instrument anymore, it is a security, civil or criminal. FAS 140 relates to UCC 3-305, 306, refers to FAS 133 to offsets. 

1. Bank gave credit by booking entry, no law or statue gave bank rights to do so. 
2. Consideration must exist and be tender to support the note.

3. Promissory note. StoleXXXX Adverse claim 8-102, we have a property interest in the financial asset Promissory note. 
4. No consideration was given as required by UCC.

5.CPA audit is FRAUD and Generally Accepted Accounting Principles violation and FRAUD! 
6. The agreement was not for XXXX XXXX and XXXX XXXX to fund or give cash value to the alleged loan with Pulte Mortgage, LLC. 
7. Breach of Contract by Pulte Mortgage, LLC alleged lender, no consideration or loan for XXXX. 
8. The mortgage is simply a security agreement which we signed fraudulently. Pulte Mortgage LLC deposited our asset in one account and a liability in another account. GAAP and Federal Reserve Publication two loans were exchanged. XXXX XXXX and XXXX XXXX did not agree to swap or exchange. The IOU was an exchange for IOU, the two cancel out each other. Should the one who funded the loan be repaid the money per GAAP? The party who funded the alleged loan per GAAP is to be repaid the money. XXXX XXXX and XXXX XXXX FUNDED THE ALLEGED LOAN, which Pulte still has not repaid to us. Where is our money!? 9. The promissory note is recorded as a bank asset and a new matching deposit ( liability ) is created. Then the bank issue a check from the new deposit back to the alleged borrower.10. Every contract must be entered into knowingly, voluntary and intentionally by both parties or it is VOID and not enforceable. A national bank has no power to lend its credit to any person or corporation... Bowen v. Needles Nat. Bank, 94 F925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.Furthermore, Truth in Lending Law ( TILA ) requiresFULL DISCLOSURE! 

XXXX XXXX and XXXX XXXX are claiming all credit due on the accounts, including off-balance sheet ledgering.Please be advised that the mortgage is automatically voided by operation of law upon rescission under 15 U.S.C. 1635 ( b ).

Desired settlement andresolutionareSatisfaction of mortgage, release of Lien and dismissal of pass, current and future court actions. 

PLEASE DISCHARGE, SETOFF FRAUDULENT ACCOUNT!! NO CONSIDERATION, FALSE ALLEGED LOAN!! 

Please contact us at the email address to arrange the delivery to us of all monies paid under the mortgage, including all closing costs, legal fee, principal, and interest. Additionally, please email us confirmation the mortgage has been discharge or voided. 

West & # 39 ; s F.S.A. SI 817.535 817.535. Unlawful filing of false documents or records against real or personal property. 

Opportunity to curedishonor.This will bePULTE MORTGAGE, LLConly chance to settle this matter beforeFlintEdwards and XXXX XXXX file suit againstPULTE MORTGAGE, LLC in Federal court. 

First National Bank ofMontgomery,. Plaintiff,. JUDGMENT AND DECREE. Defendant.VS. JeromeDaly

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