Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mortgage Research Center, LLC
State: DC

Complaint narrative:
On XX/XX/2021 a legal Instrument was sent via CERTIFIED MAIL ( CERTIFIED MAIL # XXXX ) to XXXX XXXX XXXX XXXX XXXX XXXX, who is providing services on behalf of Mortgage Research Center , LLC d/b/a Veterans United and is considered a DEBT COLLECTOR, and was was received at XXXX XXXX  on XX/XX/ 2021. The legal instrument gave specific guidelines and instructions on the management of the account of XXXX XXXX. I have attached a copy of the legal instrument, for your reference. 

It has recently come to my attention that the methods and practices used to obtain an alleged debt from I, XXXX, XXXX XXXX ( a living breathing being, operating in good faith, clean hands and not to avoid any actions against me ), are unlawful and infringe upon my rights as a living being. I do not wish to be a party to any Tax Fraud, and it is my firm intent to remain in honor. 

I have been in contact with XXXX XXXX Mortgage Research Center, Veterans United and the Department of Veterans Affairs in regards to the update and proper management of the account of XXXX XXXX and they have failed to make the necessary changes in regards to the alleged debt owed. 

I, received notice via XXXX, where XXXX XXXX and Veterans United, state and imply that, XXXX XXXX and Veterans United are regulated and governed under the Fair Debt Collection Practices Act and other laws and regulations. According to the laws and regulations that they state they abide by, their emails, and notices that are sent via mail and email are considered harassment, oppression and an abusive method in the attempt to falsely mislead and deceive that any debt is owed from me XXXX, XXXX XXXX ( a living breathingbeing, operating in good faith, clean hands and not to avoid any actions against me ). 

Even after I ask that I not be contacted regarding the collection of alleged debt, I still receive communication looking to collect on alleged debt. 

XXXX XXXX and Veterans United has stated a debit is owed in the positive amount for the account of XXXX XXXX. How can one owe in a positive amount, when a financial institutes such as your personal local bank, shows owing in a negative integer, for example - {$480000.00}. 

An extension of credit was made and a finance charge, which is the SUM OF ALL CHARGES according to the laws, rules and regulations that govern previously stated companies, was paid in full at the time of purchase. These companies have taken upon themselves to invade the account of XXXX XXXX as the Original Creditor to gain financial advantages, obtain credit and other benefits, and perhaps to cause adverse consequences, by pillaging {$480000.00} from the account and charging a monthly fee for something that has already been completely paid for. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL and NOTICE TO PRINCIPAL is NOTICE TO AGENT, when updating the account of XXXX XXXX. As previously stated I do not wish to be a party to ANY TAX FRAUD, and it is my firm intent to remain in honor. 

I do not wish to be contacted or to receive any inciting intimidatinginnuendos from XXXX XXXX, Veterans United, or The Department of Veterans Affairs in regards to the collection of any alleged debt that is owed regarding the account of XXXX XXXX.

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