Consumer complaint received 2018-11-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Sortis Financial, Inc.
State: NC

Complaint narrative:
In Short : 1. Obtained a home equity loan in XX/XX/.

2. Paid on loan while it changed hands over and over and over to different entities all owned by the same people.

3. At one point in time there were 2 entities both owned by the same people attempting to collect. found out that the two partners must have ended up parting ways only to sue each other. Furthermore, I asked both entities to provide me with proof that either actually owned the note/loan, neither ever produced the actual note/loan document ( s ) and kept pointing me to the deed showing XXXX XXXX XXXX   was the only entity on the deed as lien holder.

4. After doing much research, I found that these entities seemed to be performing fraudulent mortgage practices. This was very common in the State of Florida where these entities existed.

5. To the best of my knowledge the loan was paid in full to XXXX XXXX XXXX, however, we never received any paperwork. More than likely due to all the changing of company names and paperwork getting lost.

6. Searching some years ago when trying to contact XXXX XXXX XXXX to obtain paperwork for closure on the loan, I find that XXXX XXXX XXXX was defunct in XX/XX/XXXX. per the following recording in the State of Florida .

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX   filed as a Florida Limited Liability in the State of Florida and is no longer active. This corporate entity was filed approximately fourteen years ago on XX/XX/XXXXas recorded in documents filed with Florida Department of State. There are a couple of officers known to have been associated with this organization.

Key People Who own XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Both have been involved in 50-80+ different companies.

Source : XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 7. Now after many years of NOT hearing anything from anyone, the XXXX XXXX  Law Firm sends two letters on behalf of some company named XXXX XXXX XXXX stating they own the note/loan and are attempting to collect.

Owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & searchTerm=XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 8. As advised by a real estate attorney I am filing this complaint as well as putting a letter together to send via certified mail to both, the XXXX XXXX Law Form and XXXX XXXX XXXX  disputing this claim that I owe on this note/loan.

9. I will be requesting proof that XXXX XXXX XXXX owns the note/loan and proof of any balance owed.

10. I have looked at the latest records for my property per thXXXX XXXX County Register of Deeds to find that on XX/XX/XXXX XXXX XXXX XXXX   applied for reassignment from XXXX XXXX XXXX. I don't know how a defunct business, XXXX XXXX XXXX could have sold a loan almost 14 years after closing down to XXXX XXXX XXXX

11. Furthermore I find it to be gross negligence of the XXXX  County Register of Deeds to process an assignment without performing due diligence to ensure the assignment is LEGAL! As I could file for assignment myself by submitting the proper paperwork and could fraudulently have the lien on the property reassigned to myself.

12. Last but not least ; The primary mortgage, held by Wells Fargo, was paid in full as ofXX/XX/XXXX.

I am contesting this suspected fraudulent activity and have all good intentions to dispute the following ; a. XXXX XXXX XXXX actually holds and owns the note/loan to my property.

b. The amount owed per the letter ( s ) from XXXX XXXX XXXX XXXX  on behalf XXXX XXXX XXXX.

Additional Notes : Persons involved from my side are listed below.

XXXX XXXX XXXX   - Property Owner ( person filing this complaint ) XXXX XXXX XXXX - Property Co-owner untilXX/XX/XXXX ( due to divorce ) XXXX XXXX - Financial Services Representative @ XXXX XXXX XXXX XXXX XXXX  - Attorney @ XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation