Consumer complaint received 2024-09-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: ROYAL UNITED MORTGAGE LLC
State: TX

Complaint narrative:
ROYAL UNITED MORTGAGE refinanced a loan for me but XXXX has been a servicer and is the immediate threat. Since they will not provide any verifiocatgion i have resorted to hget back in touch with the original debtor-Royal united mortgasge. and immediately transferred to XXXX XXXX XXXX XXXX and Ive had nothing but problems with them from the beginnming. Ive addressed most of my correspondencde to XXXX. They will not provide any documentation whatsoever. ITS ALL JUST A BIG CONSTRUCTIVE FRAUD SCHEME. They have concealed the exact nature and facts from me and will not provide any documentary evidence to substamntiate their position and this whole XXXX mess is me trusting these XXXX only to be played and conned into me voluntarily donating my property to an irrivocable trust with the power to foreclose? what? Why would anyone do that if they knew the whole sgtory? Well I didnt know the whole story but I'm closer to understanding all the roles played by these con 's. So I have resorted to contacting the originator ROYAL UNITED MORTGAGE and requested reconveyance and releaseof lien but to no avail. 
I believe they are in possession of my original note but will not return it. They cant release it because they dont own it! I own it! Thats why XXXX will not provide it to me. They are a servicer and thats why their loan number is different from the original one! 
Just a bunch of nondisclosure=FRAUD. They will not provide me the XXXX registration so what does thast tell ya? I better get releases and paid cuz XXXX XXXX XXXX XXXX At present I plan to file for a claim of recoupement a mandatory counterclaim and constructive fraud fraudulent conyeyance and securities fraud against them and the trustee, XXXX XXXX I mean what a scheme they have going to defraud the people of this land. I semnt hiom a letter appointing him as trustee because of the powers of appointment act to settle and discharge this and he has not replied=attorney complaint! BAR GRIEVANCE. 
I was made a 3rd party to an undisclosed contract. They kept the purchase money check and deposited so it appears as a credit for them then offset by a loan to me where I was the Donor and provoder of ALL THE FUNDS then donated my property to a irrevocable trust with the power to sell and Inhave never owed anything because the note was signed which released the security interest!!!!! THEY LOANED ME NOTHING! I have no contract with anyone!!! I do not volunteer because of fraud. I am the creditor! 
They are the debtors. I am owed all the payments and the interest and premiums. They are all bankrupt companies and debtors in possession. I guess it is time to liquidate as a recediver! 
I have no faith in any of these supposed government agencies. Most if not all have DUNS numbers and are on the SAM.gov website and registered as profit corporations and not governmemnt agencies. To think, a corporation used me and my XXXX service as a paid thug to go fight and push the XXXX and federal reserve system on other nations. Im disgusted and know you will give me an excuse as to why you cant do anything. SO AFTER I WALK IN AND GIVE THEM MONEY THEY TAKE MORE AND TAKE MY PROPERTY AND IM GOING TO ALLOW THAT after discovering the fraud? YOU BETTER GET MY RELEASE AND RECONVEYANCE FROM THEM. I'm a XXXX  father with a XXXX son and I dont haved time for all this XXXX! I dont have time to dedicate to going to court and filing. 
The scheme is my application funded the loan. Tthey deoosited it so it appears as a credit offset by a liability ( loan ) to me. Then they would have me make payments which arwe actually paying the investors andn their taxes! Where is the original, OID? 
Show me the original OID if you are the creditor. I owe you nothing! You owe me! 
I requested the forms to do a rescinsion a year ago and got nothing but an attitude from the notary from the title company who notarized my endorsement. I have asked for their authority under fair debt collection practices act, Title 15 for their authority to even contact me, nothing provided! XXXX XXXX XXXXXXXX they just ignore and abuse people? Im spending hours researching and cost of mail subscriptions and they are ignoring me and trying to foreclose and they have no authority as this loan has been paid off. Just to appease everyone I have tried on XXXX different occassions to payoff the loan and although the payments were NEVER returned to me, they were never credited to my account. I have come to realize they are partying on the proceeds from those OID 's as they were not specifically addressed to a person and as as such they do not have to register the securities because of Lock Box Funding. Please stop the planes from flying into the buildings!

Company response to consumer: Closed with explanation