Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JACKSON & McPHERSON, LLC
State: LA

Complaint narrative:
Consumer Financial Protection Bureau RE : Complaint Regarding Improper Attempt to Claim Mineral Rights and Oil Lease Interests Consumer : XXXX XXXX XXXX Loan : XXXX XXXX XXXX XXXX, as Trustee, on Behalf of Holders of the Home Equity Asset Trust 2006-7 Home Equity Pass Through Certificates, Series 2006-7 To Whom It May Concern : I am requesting an investigation into the actions of my mortgage lender, servicer, trustee, and their representatives concerning what appears to be an attempt to claim ownership or control over mineral rights and oil lease interests that were not part of the original mortgage transaction. At the time I obtained my mortgage loan, no oil and gas lease existed on the property. The mineral lease and related interests were acquired years later and after a mortgage modification. These mineral interests were not producing, were not under lease when the mortgage was originated, and were not disclosed or identified as collateral securing the loan. The property was later subjected to foreclosure proceedings and a judicial sale. According to the court record, the property was sold without benefit of appraisal. To my knowledge, no deficiency judgment was preserved or obtained following the sale. Despite these circumstances, I have reason to believe that the mortgage company and/or its representatives may be attempting to claim rights to mineral interests, royalties, lease benefits, or proceeds that were not part of the original collateral securing the loan. My concerns include : 1. Whether the mortgage company has a lawful basis to claim ownership of mineral rights or lease interests that were acquired after the mortgage transaction. 2. Whether the mortgage company is attempting to collect assets beyond those legally pledged as collateral. 3. Whether representations have been made regarding ownership of mineral interests that are inaccurate or misleading. 4. Whether any collection efforts involving mineral rights, royalties, lease proceeds, or future payments constitute an unfair, deceptive, or abusive act or practice. 5. Whether the foreclosure sale transferred rights that were not included within the original mortgage collateral. I respectfully request that the CFPB require the mortgage company, servicer, trustee, and their representatives to provide : The complete legal basis for any claim to my mineral rights or oil and gas lease interests ; Copies of all documents relied upon to support such claim ; The complete loan file and collateral file ; The mortgage modification agreement; Documentation identifying all collateral securing the loan ; Documentation showing whether mineral rights were ever pledged, assigned, or encumbered. As a fair resolution, I request : A written determination that any mineral rights, royalties, and lease interests not pledged as collateral remain my property ; Immediate cessation of any effort to claim, transfer, assign, collect, or interfere with those rights unless supported by lawful authority ; Correction of any inaccurate records concerning ownership of mineral interests ; A complete accounting of the foreclosure sale and any claimed remaining balance ; Compensation for any financial harm caused by improper claims against my mineral interests. I believe these actions may raise concerns under the Consumer Financial Protection Acts prohibition against unfair, deceptive, or abusive acts or practices ( UDAAP ), as well as federal laws governing mortgage servicing, debt collection, and consumer financial transactions. Thank you for your review and investigation of this matter. Respectfully submitted, XXXX XXXX [ Address ] [ Phone Number ] [ Email Address ]

Company response to consumer: Untimely response