Consumer complaint received 2024-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
Complaint, DVR, QWR and demand for disclosures under TILA against CrossCountry ( " CCM '' ) Mortgage LLC as successor for XXXX XXXX XXXX XXXX  ( " XXXX '' ) and against XXXX XXXX XXXX XXXX ( " XXXX  '' ) who was the real sub- originator and real sub- servicer of my alleged " VA Guaranteed loan '' Under CFPB rules XXXX companies are Servicers under RESPA and TILA 15 USC 1641 requires servicers to provide names and direct contact information for her Creditors who own the debt by paying value for the debt XXXX XXXX XXXX XXXX is a XXXX XXXX, real sub-originator of my transaction and part of debt collection and servicing team, thus a debt collector On XX/XX/year> I spoke with XXXX XXXX XXXX XXXX XXXXXXXX [ who pretended to be a " lender '' ] XXXX XXXX emailed me a link " Apply now '' and " Upload documents '' to XXXX XXXX  XXXX  which is seamlessly integrated into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Mortgage Servicing XXXX XXXX  who was the actual XXXX XXXX and XXXX XXXXXXXX XXXX  who issues referrals, instructions and fabricate documents to XXXX sub-originator /sub-servicer Blend to provide them to homeowners and closing agents under glimpse of faux " lender '' XXXX, [ now CCM ] who did not participated in any transactions with me in any capacity - other as a call center whose employees distribute links " Apply now '' to XXXX XXXX platform. 
As the result, ALL XXXX  " loan '' documents for my closing, with MERS inserted as XXXX  " Mortgagee '' and " nominee for XXXX '' were prepared by various XXXX companies like XXXX  ( Flood zone determination ), XXXX  ( whose bots prepared Closing Disclosures without any disclosures of real parties ) under referrals and instructions from XXXXXXXX XXXX XXXXXXXX who forwarded these documents to Blend whose platform sent these XXXX  documents to my closing Agent and presented to me to sign in favor of XXXX  " lender '' XXXX. During all time in question all aspects of my alleged transaction were handled by XXXX and XXXX acting via XXXX. 

I had no clue about XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and other companies with whom I unknowingly was conducting business - because XXXX 's bots did not included them into Closing Disclosures and the real sub-originator XXXX  misrepresented XXXX as my alleged " lender '' even though my all contact with XXXX was a single phone call with XXXX XXXX who passed me the link " Apply Now '' to sub-originator Blend. 
I never signed any contracts and agreements with XXXX since all documents and activities were done by other companies- XXXX, XXXX, XXXX, XXXX. 
I demand to provide me disclosures under whose authority Blend entered into a contract with me as the real sub originator of my alleged " highly regulated VA Guaranteed Loan '' Please provide me copies of any and all contracts, documents, email, memoranda, letters, minutes, XXXX evidencing that Blend was hired and received documents, instructions and compensation from XXXXCCM and acted under authority of XXXX/CCM Please provide me any any and all contracts, documents, email, memoranda, letters, minutes, XXXX  evidencing that XXXX  was authorized by the Department of VA to originate and service my alleged " loan '' and provide me copies of such authorization. 
Please disclose ALL companies who were actually the real parties in my transaction, starting from XX/XX/year> to present time Please disclose if XXXX, XXXX, and any other companies received documents and instructions and payments for services from XXXXCCM to handle my transaction. 
Please disclose if XXXX  received from XXXX and sent {$130.00} or any funds to XXXX XXXX of XXXX or to XXXX XXXX XXXX to pay off the prior transaction on my behalf. Disclose the source of these funds. Provide me a copy of wire transfer receipt, cancelled check, ACH evidencing LOAN from XXXX. 
Please disclose that XXXX did with my closing file after I signed faux " loan '' documents prepared by XXXXXXXX XXXX XXXXXXXX. Did XXXX kept them for themselves? did XXXX forwarded it to XXXX? Did XXXX forwarded them to XXXX? 
Provide me hard copies of ALL agreements, contracts documents prepared by XXXX or under directions and authority of XXXX evidencing a contract between me and XXXX Please provide me hard copies of all my contracts with Blend and documents generated by Blend in my transaction or received by XXXX  from other XXXX companies. 
Provide me names of authorized employees of CCM and XXXX who have personal knowledge about these transactions.

Company response to consumer: Closed with explanation