Consumer complaint received 2024-03-28 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or misleading advertising or marketing — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Attention mortgage loan accounting department please treat this letter as a qualify written request under the federal service act, which is part of the real estate settlement procedure at 12 US C 20 605E. specifically, I am disputing ( a ) the identity of a true secured lender, in B the existence of debt, and ( c ) your authority and capacity to collect on behalf of a alleged lender, because of extensive criminal activity and fraud in this arena. I require proof of the chain of secured ownership from the original alleged lender state employees credit union to the alleged current lender,, father I require proof that you are the entity that has been contracted to work on behalf of the alleged lender, state employees credit union. Present to subtitle XXXX  mortgage service of the XXXX, XXXX, XXXX XXXX, reform and consumer protection act and present to 12 USC section 2605 ( e ) ( 1 ) ( a ) and reg. x section 3500.21 ( e ) ( 1 ), please provide.1. A full double sided certified true and accurate copy of the original promissory note and security instrument, and all assessments of the security instrument.2 Full name, address, and telephone number of the actual entity that funded the transaction.3. Present to the truth in lending act 131 ( f ) ( 2 ) and 15 usc 1641 ( f ) please provide the name address and telephone number of the owners of the mortgage and the master service of the mortgage.4 Full name of trust, where the note number is trading, or his traded, and the identifying series of certificates. ( note : if the note number is being traded in a XXXX XXXX trust or a XXXX XXXX, trust, please provide all information to identify the trusts XXXX XXXX XXXX  number XXXX XXXX  number XXXX OR XXXX XXXXust number and trust class Tranche.5. Full name, address, and telephone number of trustee.6. Full name, address, telephone number of the custodian of the original promissory note, including the name, address, and telephone number of any trustee or other fiduciary. The request is being made present to section 1641 ( f ) ( 2 ) of the truth in lending actXXXXXXXX XXXX  report if the note number in security instrument was checked by mortgage electronic registration system. I want to see the XXXX XXXX of the alleged transfer ownership and a ledge transfer insecurity interest.8. A complete audit history from a large loan organization showing the dates payments were applied into what internal account principal entrance suspense. Escrow payments were applied.9. A complete and itemized statement of any and all fees, and or charges against this account.10. A complete and itemized statement of the escrow for this account if any, from the date of the note origination to the date of your response to this letter.11. A complete and I don't have a statement from the date of the original note to the date of your response to this letter of the amounts charge for any force place insurance the date of the charge the name of the insurance company, the relations of the insurance company to you or a related company the amount of commission you received for each fourths place insurance event in an itemized statement of any other related expenses, and any claims paid out they are too.12. Complete an itemized statement of any, and all fees included to modify, extend or amend the loan, or to defer any payment or payments, due under the terms of the loan, from the date of the note origination to the date of your response to this letter.13. Complete itemize statements of the current amount needed to pay off the ledge loan in full.14. Verification of any notifications provided to me of a change in services.

Company response to consumer: Closed with explanation