Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Statebridge Company
State: NY

Complaint narrative:
Complaint Against Statebridge Company , LLC Regarding False Claim of Second Mortgage and Improper Collection Activity I am submitting this complaint to report what I believe to be false, deceptive, and potentially fraudulent mortgage servicing activity by Statebridge Company , LLC. 

Background Approximately one year ago, I received a letter stating that my mortgage had been sold and transferred from my original lender, XXXX XXXX, to Statebridge Company , LLC, and that I should begin directing my mortgage payments to Statebridge. 

Because the letter appeared to be legitimate and contained what appeared to be my lenders letterhead, I contacted Statebridge to confirm the transfer. 

Statebridges Conduct For approximately two months, Statebridge representatives repeatedly informed me that : They did not have an account for me, and They had no record of any mortgage transfer involving my loan. 

Despite stating that no account existed, Statebridge representatives repeatedly requested and collected my personal identifying information, including my name and Social Security number. I provided this information only because I had received a written notice stating my mortgage had been transferred. 

Verification With Original Lender Concerned by the inconsistencies, I contacted XXXX XXXX, my original lender. XXXX informed me that : My mortgage had not been sold or transferred to Statebridge, The letter I received did not originate from XXXX, and I should continue making payments only to XXXX, which I did. 

XXXX explicitly advised me that the letter purporting to transfer my mortgage was fraudulent. 

Current Issue Despite this, Statebridge is now claiming that I owe them approximately {$100000.00} on a second mortgage. 
I have never taken out a second mortgage with Statebridge, have never signed any loan documents with them, and have never received any funds from them. 

This claim is entirely false. 

Basis of Complaint I am requesting CFPB review and intervention based on the following concerns : False representation of a mortgage debt Improper and misleading collection activity Collection and retention of my personal identifying information under false pretenses Potential identity-based mortgage fraud Failure to validate or substantiate an alleged debt Possible violations of the Fair Debt Collection Practices Act ( FDCPA ) and consumer protection laws Requested Resolution I respectfully request that : Statebridge be required to immediately cease all collection activity related to this alleged second mortgage. 

Statebridge be required to provide full written validation of any claimed debt, including signed loan documents and proof of disbursement. 

Any incorrect or fraudulent reporting to credit bureaus be corrected or prevented. 

CFPB investigate how Statebridge obtained and used my personal identifying information. 

I receive written confirmation that no valid mortgage obligation exists between myself and Statebridge. 

I am prepared to provide documentation, including correspondence from XXXX XXXX, upon request. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation