Consumer complaint received 2025-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I have discovered that there has been, what appears to be, a counterfeit copy of the Mortgage Note presented as proof of claim by a certain group of people, including, but not limited to, agents of the mortgage company and attorneys working with them. CrossCountry Mortgage, LLC has been contacted on several occasions via phone and certified mail regarding the errors on the loan account and wrongful foreclosure case. CrossCountry Mortgage, LLC is committing securities fraud by continuing to act on my behalf and/or act as my fiduciary regarding the mortgage note and continued assignments. CrossCountry Mortgage, LLC, along with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, are committing organized crimes, and their organizations are being run like a XXXX Influenced and Corrupt Organization. I have documented the lack of communication and the ongoing predatory lending practices that are illegal under The XXXX Influenced and Corrupt Organizations Act ( RICO ). These companies are in violation of several acts and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. I believe there is a conspiracy to take my properties unlawfully through lending and foreclosure process that have been intentionally designed using counterfeit securities as evidence of a purported debt and believe there are multiple individuals involved in this crime. I have made demands that the individuals involved provide proof of their claim. Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand was hereby ordered. I demanded that the mortgage company present for my inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge together with the ORIGINAL WET INK Deed of Trust in XXXX XXXX through the presentation, for my inspection, that they are, in fact, the holder in due course of the purported obligation. The perpetrators of these crimes have refused to do so and instead have only made a copy of the documents allegedly signed at closing available for inspection. Attached is a certified copy of the document that has been provided as proof in this matter. It is obvious it does not meet the requirements under 18 U.S.C. 474 as a copy of a security and is therefore a counterfeit security presented as evidence to attempt to defraud me. After thoroughly reviewing all documents in my possession and having a certified forensic audit conducted, I have found several abusive, oppressive, deceptive, misleading, defamatory, unconscionable violations and securities fraud. The attached Property Securitization Analysis Report is provided by a qualified witness Expert Analyst. The audit uncovered that the mortgage note was turned into a security without proper documentation and transparency, violating multiple federal and state laws, including the Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), and relevant provisions under the Uniform Commercial Code ( UCC ). CrossCountry Mortgage, LLC failed to disclose that my 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. I also believe that this activity has occurred through communications across state lines, and I believe it falls under RICO statute violations as a result. 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. CrossCountry Mortgage, LLC and XXXX 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 and resolution of satisfaction of mortgage, release of Lien and dismissal of pass, current and future court actions. PLEASE DISCHARGE, SETOFF FRAUDULENT LOAN BALANCE!! NO CONSIDERATION. Please contact me 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 me confirmation the mortgage has been discharged or voided. This will be CrossCountry Mortgage , LLC finally chance to settle this matter before a suit is filed in Federal Court.

Company response to consumer: Closed with explanation