Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Acra Intermediate Holdings, LLC
State: GA

Complaint narrative:
REQUEST FOR EVIDENCE : VERIFING ALL CLOSING WIRES & ESCROW = LIEN OVERPAYMENT FUNDS AND ACCOUNTING FOR {$12000.00} XXXX MONEY CHECK Complainant : XXXX XXXX XXXX of Wires : XX/XX/XXXX Sending Bank : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ( Escrow/Trust Account ) SUMMARY OF BORROWER FUNDS PAID : DOCUMENT AMOUNT PURPOSE GIVEN AT CLOSING THE FRAUD / DISCREPANCY Wire # 1 {$160000.00} Primary Cash-to-Close Standard down payment/closing funds provided per Settlement Statement. Wire # 2 {$5300.00} Advanced Escrow/ Taxes Demanded via telephone during transit to closing. Specifically for " XXXX Taxes. '' Check # 1 {$12000.00} XXXX Money Held by XXXX XXXX; promised to be returned but never credited or refunded. ACTION ITEMS : I wired this amount specifically for taxes, the XXXX taxes remained unpaid, resulting in a tax lien ( Book XXXX, Page XXXX ). Trace the Misappropriation : XXXX XXXX ignored these wired funds and instead seized my XXXX monthly mortgage payments and escrow monies to pay the previous owners ' ( Mallards ) debt. im requesting XXXX Identify the " Vanished '' {$12000.00} : Note that despite the {$12000.00} XXXX money check being listed on the settlement statement, it was not subtracted from my final wire requirements, resulting in a {$12000.00} overpayment that remains unaccounted for. SECTION A. MANDATORY DISCLOSURES & IDENTITY Tab 1 : Signed Privacy Act Release Forms ( XXXX XXXX / XXXX XXXX ) Tab 2 : Copy of Government-Issued Photo ID ( Proof of Residency/Ownership ) EXHIBIT A THE CLOSING DAY WIRES ( THE THEFT ) 1 : XXXX XXXX XXXX Confirmation XXXX {$160000.00} XXXX Primary Purchase Funds ) 2 : XXXX XXXX XXXX Confirmation XXXX {$5300.00} XXXX Advanced Escrow/Tax Demand ) 3. XXXX of {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX Hold ) 4. Final XXXX Settlement Statement ( Highlighting Agent Commissions & " Paid '' Taxes ) 5. THE TAX LIEN & ESCROW MISAPPROPRIATION 6. XXXX XXXX XXXX XXXX ( XXXX ) : Book XXXX, Page XXXX ( Debtor : XXXX XXXX XXXX XXXX ) 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX paid the XXXX debt on XX/XX/XXXX ) 2. Lien Cancellation Document : Book XXXX, Page XXXX - Correspondence from XXXX ( Confirming the " Shortage '' created by this payment ) CREDIT FRAUD & REPORTING VIOLATIONS 1 : Credit Report ( XXXX/XXXX ) showing fraudulent " Refinance '' status 2 : Documentation showing Acra/XXXX double-reporting one mortgage as two loans A. - History of CFPB Complaints and XXXX non-responsive/evasive replies, not providing actual documents/copies B. NOTICES OF ERROR & LEGAL DEMANDS 1 : Formal Rebuttal to XXXX Servicing ( Notice of Error under RESPA ) 2 : Formal Title Claim to XXXX XXXX XXXX ( XXXX XXXX # XXXX XXXX ) 3 : Formal Demand to XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 4 : USPS Certified Mail XXXX ( Proof of Delivery to all " Bad Actors '' ) Summary of Claims for the Record : Closing Fraud : {$180000.00} in total liquidity was provided at closing, yet XXXX taxes and 2 checks remained unpaid and closing still Tok place knowing their was a lien discrepancy. Misappropriation : XXXX XXXX used current XXXX mortgage payments to satisfy a third-party lien ( XXXX And XXXX XXXX 's debt XXXX XXXX Credit Defamation : Intentional misreporting of a servicing transfer as a " Refinance '' to the credit bureaus. STATEMENT OF TRUTH : " I personally visited XXXX XXXX on the morning of closing to initiate these wires. The second wire of {$5300.00} was an emergency demand made by the closing firm to ensure 'taxes were covered. ' I have provided nearly {$180000.00} in total liquidity, yet my servicer continues to claim a 'shortage ' while hiding the fact that they stole my monthly payments to fix their own closing errors. '' and have mismanaged my monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation