Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
XX/XX/XXXX - AT FILING XXXX IN XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( PLANET HOME LENDING LLC 'S REPRESENTATIVES ) FILE A FRAUDULENT CLAIM ON REAL PROPERTY IN THE FORM OF A NOTICE OF DEFAULT. 

XX/XX/XXXX - IN XXXX, XXXX XXXX REQUESTS PLANET HOME LENDING LLC TO FURNISH THE FOLLOWING DOCUMENTATION WITHIN FIFTEEN ( 15 ) DAYS IN COMPLIANCE WITH 15 U.S.C. 1692 ET SEQ. : ( 1 ) LEGAL NAME OF THE ORIGINAL CREDITOR, PERSON RESPONSIBLE FOR BOOKKEEPING, LOAN ORIGINATOR, AND TRUSTEE ; ( 2 ) PLANET HOME LENDING LLC 'S SEC FORMS S-1 & S-3 ; ( 3 ) ALL RECORDS REQUIRED TO BE MAINTAINED BY 15 U.S.C. ; ( 4 ) ALL ACCOUNTING RECORDS REQUIRED TO BE MAINTAINED UNDER FEDERAL LAW WITH REGARD TO REAL PROPERTY ; ( 5 ) AND AFFIRMATIONS SUPPORTING PLANET HOME LENDING LLC 'S CLAIM THAT IS THE LAWFUL TRANSFEREE MAINTAINING COLLECTION RIGHTS IN COLLATERAL. 

XX/XX/XXXX - AFTER NON-RESPONSE, IN XXXX, XXXX XXXX, IN GOOD-FAITH, XXXX PLANET HOME LENDING LLC WITH AN EXTENSION OF AN ADDITIONAL FIFTEEN ( 15 ) DAYS TO COMPLY WITH 15 U.S.C. 1692 ET SEQ. IN ORDER TO ALLOW PLANET HOME LENDING LLC AN OPPORTUNITY TO FURNISH THE DOCUMENTATION DEMANDED IN XXXX. 

XX/XX/XXXX - AFTER PLANET HOME LENDING LLC 'S NON-RESPONSE TO XXXX AND XXXX, IN XXXX, VIA ADMINISTRATIVE JUDGEMENT GRANTING AUTHORIZATION FOR BOTH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FORMALLY CONSTITUTES PLANET HOME LENDING XXXX 'S WILLFUL VIOLATIONS OF 15 U.S.C. 77A ET SEQ., 1682B, 1692C, 1692D, 1692E, 1692F, 1692G, 1692H, 1692I, AND 1692J ; AND INJURY TO XXXX XXXX IN THE AMOUNT OF {$810000.00}. 

XX/XX/XXXX - AT FILING XXXX IN XXXX XXXX XXXX, XXXX XXXX REGISTERS A XXXX FINANCING STATEMENT TO CONSTITUTE A PRIORITY LIEN AND XXXX HIS PROPERTY INTERESTS FROM UNLAWFUL COLLECTION EFFORTS. 

XX/XX/XXXX - PLANET HOME LENDING DELIVERS THE FOLLOWING DOCUMENTATION TO XXXX XXXX : UNIFORM RESIDENTIAL LOAN APPLICATION ( LENDER LOAN NO. XXXX ) ; CORPORATE ASSIGNMENT OF DEED OF TRUST EXECUTED BY XXXX XXXX OF MERS ON XX/XX/XXXX ( NEARLY XXXX FULL YEARS AFTER SETTLEMENT OF THE OBLIGATION TO WHICH MERS WAS GRANTED ASSIGNMENT POWERS ) ; CLOSING DISCLOSURE WITH LOAN ID # XXXX ; COPY OF DEED OF TRUST BEARING LOAN # : XXXX WHEREWITH " EXHIBIT A '' IS FALSIFIED TO CLAIM " ORDER NO. XXXX '' AS COLLATERAL ( SEE FILING XXXX IN XXXX XXXX XXXX FOR THE AUTHENTIC VERSION ) ; A PAYOFF STATEMENT BEARING LOAN NO : XXXX PURPORTING DELIVERED TO XXXX XXXX XXXX FAX ON XX/XX/XXXX ( THE FAX NUMBER SHOWCASED THEREON IS NOT THAT OF XXXX XXXX XXXX XXXX XXXX DID NOT RECIEVE A FAX ON THAT DATE. ) ; A COPY OF PLANET HOME LENDING LLC 'S MORTGAGE MODIFICATION OFFER ISSUED ON XX/XX/XXXX BEARING LOAN # : XXXX ; LOSS MITIGATION REVIEW DETERMINATION SUMMARY BEARING MORTGAGE LOAN NUMBER : XXXX ; & TRIAL NOTICE MARRIAGE QUESTIONNAIRE BEARING LOAN # : XXXX. SAID DOCUMENTS ARE INSUFFICIENT TO SHOWCASE PLANET HOME LENDING LLC 'S COLLECTION RIGHTS, AND DO NOT FULFILL THE DEMANDS MADE IN XXXX. 

XX/XX/XXXX - IN XXXX, XXXX XXXX DELIVERS INTERBANK SECURITY AGREEMENT TO PLANET HOME LENDING LLC AS TRUSTEE TO FACILITATE TRANSFER OF COLLECTION RIGHTS AND SETTLEMENT OF THE RELEVANT OBLIGATIONS IN FULL. IN XXXX, PURSUANT TO HIS FUNDAMENTAL RIGHTS, XXXX XXXX NOTICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF RECISSION OF HIS SIGNATURE ON DEED OF TRUST BEARING LOAN # : XXXX UNDER AUTHORITY OF REGULATION Z OF THE TRUTH IN LENDING ACT, 12 C.F.R. 226.15 ( 2025 ) & CAL. COM. CODE XXXX ( XXXX ) ; AND DEMANDS RETURN OF PROCEEDS HELD THEREBY IN RE : LOAN # : XXXX. BY CERTIFIED MAIL, XXXX XXXX GIVES NOTICE OF CLAIM TO THE FOLLOWING PARTIES : PLANET HOME LENDING LLC ; XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IN XXXX XXXX XXXX MAKES AN EXPRESS DESIGNATION FOR XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA TO MAKE RETURNS OF PROCEEDS FROM REAL ESTATE TRANSACTIONS IN CLOSING DISCLOSURE FILING # XXXX. AT FILING XXXX IN XXXX XXXX XXXX, XXXX XXXX INDICATES ADDITIONAL OBLIGORS AND COLLATERAL IN A UCC FINANCING STATEMENT AMENDMENT. 

XX/XX/XXXX - VIA EMAIL, XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX THE FOLLOWING STATEMENT TO XXXX XXXX XXXX " YOUR LOAN FILE WAS SOLD TO PLANET HOME LENDING , LLC ON XX/XX/XXXX '' IN ADDITION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTACHES THERETO A NOTICE OF SERVICING TRANSFER DATED XX/XX/XXXX. THIS NOTICE WAS NOT DELIVERED TO XXXX XXXX IN THE TIMEFRAME 12 C.F.R. 1024.33 ( b ) ( 3 ) DEMANDS, NOR IN THE MANNER PRESCRIBED IN THE DEED OF TRUST EXECUTED BETWEEN THE PARTIES ON XX/XX/XXXX. 

XX/XX/XXXX - VIA EMAIL, XXXX XXXX XXXX XXXX MAKES A FALSE REPRESENTATION THAT PLANET HOME LENDING LLC IS THE LENDER ON FILE XXXX, EVEN THOUGH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LISTED AS THE LENDER THEREON. FURTHER IN THIS EMAIL, XXXX XXXX XXXX XXXX REJECTS TO ACT IN A FIDUCIARY CAPACITY WITH REGARD TO SETTLEMENT. 

XX/XX/XXXX - IN XXXX, XXXX XXXX ISSUES A RESPONSE TO XXXX XXXX XXXX XXXX, SEEKING FURTHER CLARIFICATION WITH REGARD TO XXXX. AS OF XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXY HAS NOT MADE ANY FURTHER STATEMENTS WITH REGARD THERETO. 

XX/XX/XXXX - AN UNKNOWN PERSON ARRIVES AT THE RESIDENCE OF XXXX XXXX AND TAPES A LETTER BEARING A " CONFIDENTIAL '' STAMP THEREON ONTO THE DOOR OF THE RESIDENCY. INSIDE OF THIS LETTER IS INCLUDED A SLIP OF PAPER STATING " AT THE REQUEST OF YOUR HOME MORTGAGE COMPANY, AND INDEPENEENT FIELD INSPECTOR CALLED ON YOU TODAY. PLEASE CONTACT THE MORTGAGE COMPANY. THANK YOU. '' THIS PERSON WAS LATER FOUND TO BE A REPRESENTATIVE OF PLANET HOME LENDING XXXX THROUGH ITS AGENT MORTGAGE CONTRACTING SERVICES LLC, EVIDENCING A CONSPIRACY AGAINST THE CIVIL RIGHTS AFFORDED TO XXXX XXXX PER 15 U.S.C. ET. SEQ., A VIOLATION OF 18 U.S.C. 241 IN CONSPIRACY TO DEFRAUD AND SWINDLE XXXX XXXX OUT OF HIS PROPERTY IN VIOLATION OF 18 U.S.C. 1341. 

XX/XX/XXXX - PLANET HOME LENDING LLC ISSUES NOTICE TO XXXX XXXX STATING " WE ARE REVIEWING THE LOAN TO ENSURE A THOROUGH RESPONSE. '' XX/XX/XXXX - AT XXXX XXXX XXXX XXXX XXXX AN AGENT OF PLANET HOME LENDING XXXX XXXX XXXX XXXX AND ASKS QUESTIONS REGARDING TO WETHER OR NOT XXXX XXXX XXXX STILL LIVING AT HIS HOME ON XXXX XXXX IN CALIFORNIA XXXX 

XX/XX/XXXX - IN XXXX, IN ASSERTION OF PROCEEDURAL RIGHTS DERIVING FROM THE INVESTIGATION, XXXX XXXX ISSUES TO MORTGAGE CONTRACTING SERVICES XXXX A DEMAND TO CEASE AND DESIST IN ANY PROPERTY PRESERVATION EFFORT THAT MAY FURTHER PLANET HOME LENDING LLC 'S UNLAWFUL ACTS.

Company response to consumer: Closed with explanation