Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
1. Acting Lender/s response is OBJECTED and DENIED for the following good reasons. 
XXXX. On XX/XX/XXXX REQUEST TO VALIDATE DEBT ; GOOD FAITH DISCOVERY NOTICE : VERIFICATION OF PROOF OF CLAIM was not answered but was in receipt of the adverse party as of XX/XX/XXXX. Notice : Sending out Accrued late charges, Other fees, Escrow Advance, Funds advance does not lawfully count as validation of debt, nor does stating presumption on origination of loan, where it is registered at does not validate the debt, and is not proof of claim, but may be evidence of FRAUD committed or some other error. We must require certification in order to honor allege contract.There has been no certification, no verification, no attestation, no proper rebuttal. We have demanded and are demanding certification/ verification of signatures and seals in order to satisfy the account.

3. The Promissory Notes face appears to be a forgery. You ( Acting Lender/ Service Provider ) have also failed to show Attestation to signatures of all parties to the Promissory Note. According to U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ). A copy of the security instrument is not a sufficient proof of claim.

4. Furthermore the Notary appears to had made an error. There is no attestation to the Note ever being signed by any of the parties. No receipt received and The Note says : Witness of hand/s and seal/s, there are no witnesses, no hand and seals.

5. The illegitimate Note states that : In return for a loan that I have received. I promise to pay U.S. {XXXX} Principal to the Lender XXXX XXXXXXXX XXXX XXXX  Notice : The loan money was not received, Acting Lender/s did not lend its own money as stated. The Principle is to be paid using U.S. CURRENCY. The amount XXXX in XXXX XXXX was not loaned by the Acting Lender nor from any other Acting Lenders ( please see UCC3-303 ). The amount on the " Note '' is also in conflict with the presumed Mortgage or Deed of Trust.

6. The parties contract is unconscionable and lacks consideration.

7. AUTHORITIES : Please see : UCC3-404, UCC3-303, UCC2-313, UCC3-306, USC Title 15 1637a. ( 6 ) ( B ), USC Title 15 1693k. ( 1 ), USC Title 15 1639 ( 2 ) ( r ), XXXX XXXX XXXX XXXX XXXX ( XXXX Dist. ) ( A determination of liability under the note is a prerequisite to the enforcement of the mortgage. ), XXXX v. XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) ( Where a promissory note is secured by mortgage, the note, not the mortgage, represents the debt. The mortgage is, therefore, a mere incident. ), Supreme Court case XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), In Re XXXX, XXXX XXXX ( B.A.P. XXXX Cir. XXXX ( Evaluating Kentucky law, holding that a mortgage is only valid and enforceable only if the underlying debt continues to be an enforceable obligation. XXXX v. XXXX XXXX XXXX XXXXXXXX. ( In re XXXX ), XXXX XXXX. XXXX ( XXXX. XXXX XXXX XXXX ). Also see : XXXX XXXX  ( Malice ) XXXX. MIN : STATUS IS INACTIVE ( Please see : XXXX : XXXX. 
XXXX. In good-faith and clean-hands, we Declare retainment of all available remedy under Natural Law, Law of Land. united States of America constitution and the Declaration of Independence, UCC1-308, civil law and common law rights, and any listed herein. We reserve all rights intact forevermore under GOD ( as his people ), whom is the Divine Perfectionist of LAW and the Judge Over All. 

The company should come with clean hands as is the doctrine in law, and honor request for certified/ verified proof of holder in due course of promissory note. It is fair that attestation of any and all witnesses should provide affidavit under penalty of perjury, attesting to signatures and seals. Photocopies of a note used as tender and without seal or proper signature affixed does not show standing, is lacking ability to honor or fulfill contract. Written : XX/XX/XXXX - BORROWERS

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