Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: LoanCare, LLC
State: FL

Complaint narrative:
breach the contract, XXXX XXXX XXXX in Lending, 15 U.S. Code 1692e - False or misleading representations, multiple violations of Federal Debt Collection Practices Act ( XXXX PA ), violations of 15 USC 1666b FCRA and DEFAMATION OF CHARACTER. 
XXXX XXXX and XXXX XXXX can only discharge any such debt/liability due to the fact that the XXXX XXXX XXXX was responsible for the removal of constitutional money. 

Desired settlement and resolution is mortgage Satisfaction, release of XXXX by XX/XX/XXXX and dismissal of current and future court actions. PLEASE DISCHARGE FRAUDULENT MORTGAGE!! NO CONSIDERATION, FALSE ALLEGED LOAN!! 

My security instrument, its rights of recourse are discharged under U.C.C. 3-311, XXXX and XXXX, and therefore LOANCARE owes XXXX XXXX and XXXX XXXX money not the other way around. My security is an equal exchange of value for alleged loan or debt obligation. 

A bill of exchange fulfills the legal definition of a negotiable instrument ( currency ) and also per Uniform Commercial Code ( UCC ) XXXX and legally discharges any alleged debt. This is merely a promise to pay and not a sight draft, forged document, bogus instrument, etc.... Once tendered, the debt is discharged. Period. 


Refusal to accept is discharge of debt. See UCC 3-603. TENDER OF PAYMENT. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 



That the giving a ( federal reserve ) note does not constitute payment. XXXX XXXX v XXXX XXXX, XXXX XXXX XXXX. UCC 3-603 ; If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender. 



ORS XXXX Effect of unaccepted offer in writing to pay or deliver. An offer in writing to pay a particular sum of money or to deliver a written instrument or specific personal property is, if not accepted, equivalent to the actual production and tender of the money, instrument or property. 



There can be no payment of debt. Only discharge of debt, acceptance and return for discharge. XXXX XXXXU.S. Constitution, 1789, Article XXXX, Section XXXX. No state shall make anything but gold and silver coin a tender in payment of debts Federal Reserve notes are obligations and have no redeemable value in gold or silver coin, wherefore the amount of tender or obligation is always XXXX. XXXX XXXXU.S. Constitution, 1789, Article XXXX, Section XXXX. No state shall make anything but gold and silver coin a tender in payment of debts Wherefore there can be no payment of debt. Only discharge of debt. Your offer is accepted and returned for closure and discharge. 


A national bank has no power to lend its credit to any person or corporation... XXXX XXXX XXXX XXXX XXXX XXXX F XXXX XXXX XXXX XXXX, XXXX denied in XXXX S.Ct XXXX, XXXX XXXX XXXX, XXXX LED XXXX. I have NOT seen any evidence to support any allegations to the contrary, and I believe no such evidence exists. 



42 USC 12203 : states that it shall be unlawful to coerce, intimidate, threaten, or interfere with any individual shall be fined under this title. 



18 USC 1951 : states that anyone who interferes with commerce by threats or XXXX or conspires to do so shall be fined under this title. 


18 USC 242 : makes it a crime for a person 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code- Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. 

XXXX XXXX, XXXX XXXX XXXX XXXX Mortgage Case No. XXXX XXXX XXXX XXXX XXXX XXXX lawsuit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lawsuit against XXXX XXXX for violations. Discharge account and do not contact us again or we will file a lawsuit for security XXXX and etc in federal court.

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