Consumer complaint received 2025-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Commerce Home Mortgage, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX CHANGE HOME MORTGAGE CONTINUES TO IGNORE ITS ADMISSION OF NON-OWNERSHIP Contrary to Change Lendings assertions, this case does not hinge on the technical definition of holder. This case hinges on XXXX XXXX LLCs written admission that it is not the owner of the XXXX material fact that destroys its claimed right to enforce. 
Possession without rightful authority is not enforcementit is impersonation. 
Florida law requires the foreclosing party to prove standing at inception. See XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX ). Possession alone is insufficient where ownership and a proper chain of title are lacking. 

Key Issues : Lack of XXXX : - XXXX XXXX filed a foreclosure action XXXX XX/XX/XXXX despite admitting in writing multiple times that it does not own the promissory note. A forensic audit confirms the note is held by a third-party trust ; name XXXXXXXX XXXX XXXXXXXX XXXX not XXXX XXXX XXXX 
A noteholder who admits in multiple letters it is not the owner ; A loan number mismatch between the note and recorded mortgage ; and Plaintiff counsel admitting in writing is a debt collector License # XXXX retained by a third party XXXX XXXX XXXXXXXX XXXX a debt. 
Plaintiffs counsel filed closing documents bearing a falsified closing date XX/XX/XXXX. XXXX, falsified e-signature, falsified name contradicting the true closing date of XX/XX/XXXX. 
In bankruptcy court XXXX XXXX. XXXX XXXX XXXX failed to prove standing, and its counsel admitted it acts only as a debt collector/servicer, not the note owner. Despite irrefutable proof ( enclosed ) that XXXX XXXX lacks standing, its attorneys continue this predatory foreclosure action. The XXXX counsel withdrew a motion XXXX weeks before a scheduled evidentiary Hearing to avoid scrutiny of their fraudulent claims, wasting judicial resources. 

CFPB must ask : if XXXX XXXX XXXX admits it doesnt own the debt, then what legal or equitable interest permits this foreclosure? 

Critical Evidence of Willful Misconduct : The loan number listed on the official recorded mortgage documents and the Promissory Note does not match the loan number shown on the monthly statements and other letters from the mortgage company. 
More importantly, XXXX XXXX XXXX offers no evidence in rebuttalno affidavit, no certified mail receipts, no genuine dispute of factjust speculation and spin. 

TILA/RESPA VIOLATIONS The closing disclosures list the wrong borrowers name, wrong closing date, and falsified e-signatures. This is not a clerical errorthis is willful fraud, a desperate attempt to backfill a claim where none existed. 
The Notice of Right to Cancel was mailed to a clearly undeliverable address. 
procedural violations of federal law arent technicalitiesthey are violations of truth. 

CHANGE LENDING LLC MISSTATES THE LAW REGARDING ASSIGNMENTS Change Lending claims it need not show any assignmentbut where standing is challenged, CFPB must examine the full chain of title. Change Lending LLC offers : No assignment from the originating lender to XXXX XXXX XXXX No valid endorsement chain. 
No Documents authorizing the servicer to act on the lender 's behalf. 
No response to communications with the burrower regarding disputes/errors XXXX/RESPA violations. 

No explanation in differences of loan numbers. 

I request the CFPB investigate these violations and take enforcement action to halt unlawful foreclosure efforts. Floridians can not wait - this enterprise must be dismantled immediately.

Company response to consumer: Closed with explanation