Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JACKSON & McPHERSON, LLC
State: LA

Complaint narrative:
Consumer Financial Protection Bureau RE : Complaint Regarding Post-Foreclosure Collection Activity and Affidavit of Payoff Consumer : XXXX XXXX To Whom It May Concern : I respectfully request an investigation into the conduct of the mortgage servicer, trustee, debt collector, and their representatives concerning the foreclosure proceedings in : XXXX XXXX XXXX XXXX, as Trustee, on Behalf of Holders of the Home Equity Asset Trust XXXX Home Equity Pass Through Certificates, Series XXXX v. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Louisiana The court record reflects that the creditor sought and obtained executory process requesting that the property be sold through judicial sale without benefit of appraisal. The petition specifically requested a Writ of Seizure and Sale directing the Sheriff to sell the property for cash and without benefit of appraisal. A Writ of Seizure and Sale was subsequently issued, and the property was sold through a third-party judicial sale. Despite the judicial sale, attorney XXXX XXXX ( Louisiana XXXX XXXX XXXX. XXXX ) later filed an Affidavit of Payoff dated XX/XX/year>, asserting a payoff amount of {$120000.00}. I am requesting that the CFPB investigate : 1. Whether any attempt has been made to collect a debt that was extinguished, satisfied, discharged, or otherwise rendered unenforceable following the judicial sale. XXXX. Whether any deficiency balance was lawfully preserved under Louisiana law. XXXX. Whether the payoff amount stated in the Affidavit of Payoff accurately reflects the legal status of the debt after the judicial sale. XXXX. Whether the mortgage servicer maintained accurate account records and payoff calculations. XXXX. Whether any representations made to credit reporting agencies, courts, borrowers, or third parties were inaccurate or misleading. Potential federal concerns include : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e and 1692f, prohibiting false, deceptive, misleading, unfair, or unconscionable collection practices. Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605, including servicing and account accuracy requirements. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., including payoff and account disclosure obligations. Consumer Financial Protection Act, 12 U.S.C. 5531 and 5536, prohibiting unfair, deceptive, or abusive acts or practices ( UDAAP ). I respectfully request production and review of : The sheriffs sale records ; The Proces Verbal of Sale ; The Affidavit of Payoff dated XX/XX/year> ; The complete loan payment history ; Any deficiency calculations ; Any post-sale collection records ; Documents establishing authority to collect any remaining balance. I request a determination regarding whether the asserted payoff amount is legally collectible following the judicial sale and whether any federal consumer financial laws have been violated. Respectfully submitted, XXXX XXXX

Company response to consumer: Untimely response