Consumer complaint received 2026-03-31 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: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX, a debt collector and foreclosure law firm, for violating the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, by continuing foreclosure proceedings against my property after receiving, acknowledging, and failing to respond to my formal Dispute of XXXX. BACKGROUND : XXXX XXXX XXXX XXXX is acting as foreclosure counsel for RoundPoint Mortgage Servicing LLC ( servicer ) on behalf of the loan owner ( XXXX XXXX ) regarding Loan # XXXXXXXX XXXX XXXX Matter ID XXXX, secured by my primary residence at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. XXXX DEBT DISPUTE IGNORED : On XX/XX/XXXX, I submitted a formal written Dispute of Debt under 15 U.S.C. 1692g to XXXX XXXX XXXX XXXX via XXXX separate XXXX XXXX Mail filings. I also provided duplicate service via email on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX Customer Service representative ( " XXXX '' ) called me and confirmed receipt of my dispute, stating it had been forwarded to the appropriate teams. Under 15 U.S.C. 1692g ( b ), upon receipt of a written dispute, a debt collector must cease all collection activity including foreclosure until it obtains verification of the debt and mails it to the consumer. As of XX/XX/XXXX, XXXX XXXX has provided NO verification of the debt. FORECLOSURE NOTICE ISSUED DURING ACTIVE DISPUTE : Despite acknowledging my dispute on XX/XX/XXXX, XXXX XXXX issued a Notice of Pending Foreclosure Sale dated XX/XX/XXXX just XXXX ( XXXX ) days after acknowledging my dispute scheduling the foreclosure sale for XX/XX/XXXX. This is a direct violation of 15 U.S.C. 1692g ( b ). DUAL TRACKING VIOLATION 12 C.F.R. 1024.41 : On XX/XX/XXXX, a RoundPoint Mortgage Servicing LLC representative confirmed by telephone that a new loss mitigation application is currently being processed on my behalf. Under Regulation X, 12 C.F.R. 1024.41 ( g ), a servicer may not move for foreclosure judgment or order of sale, or conduct a foreclosure sale, while a complete loss mitigation application is pending. Proceeding with the XX/XX/XXXX sale constitutes a dual tracking violation. PRIOR MODIFICATION FAILED NOTICE : RoundPoint confirmed on XX/XX/XXXX, that a loan modification was approved around XX/XX/XXXX. The approval was mailed to the property address while I was physically in XXXX, XXXX. An unauthorized individual was occupying my property during my documented absence ( XXXX Police Department Report # XXXX ; FTC Identity Theft Report # XXXX ). RoundPoint had my email address and phone number on file and made no attempt to notify me by any other means. The modification was rescinded due to my non-response to a letter I never received, directly causing the current default. RELATED COMPLAINT ON FILE : A separate CFPB complaint against RoundPoint Mortgage Servicing LLC ( the servicer ) was filed on XX/XX/XXXX, Case # XXXX, and remains pending. WHAT I AM REQUESTING : XXXX. That XXXX XXXX XXXX XXXX be directed to immediately postpone the XX/XX/XXXX foreclosure sale. XXXX. That XXXX XXXX XXXX XXXX be required to provide verification of the debt as required under 15 U.S.C. 1692g ( b ) before resuming any collection or foreclosure activity. XXXX. That the CFPB investigate XXXX XXXX 's practice of proceeding with foreclosure after acknowledging a consumer 's written debt dispute. XXXX. That the CFPB note this complaint in connection with the related complaint against RoundPoint ( XXXX # XXXX ).

Company response to consumer: Closed with explanation