Consumer complaint received 2023-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
NewRez LLC is acting unlawfully as governmental agency trying to collect property taxes that I do not owe. Despite my objection NewRez LLC had their loan servicing agent XXXX XXXX gifted property taxes to County XXXX XXXX corporation and then opened an escrow account without my consent on XX/XX/XXXX to start applying my mortgage payments towards this escrow account to compensate themselves for the gift they gifted without my consent by which they breached their fiduciary duty and our contract. Researching further into the situation I have also found out that NewRez LLC took my Application/Promissory Note and loaned me nothing of substance of theirs for it which constitutes fraud and theft. I have officially requested forensic audit on my loan account, disclosure of documents and that NewRez LLC is the holder of my original Promissory Note as required by law with the following detailed actions, facts and documents served : XXXX. I am aware that every state of the Union is guaranteed republican form of government with Constitution being the XXXX XXXX of the Land pursuant to Article VI Section XXXX and Section XXXX that secures unalienable God given Rights to the People, in this case myself, such as the Right to own private property ; and XXXX. Based on extensive research I discovered that the organic XXXX California XXXX was replaced by XXXX California XXXX, a corporate charter, to mislead the People and to bring them under a fascist corporate XXXX  that brought property taxation ; and XXXX. Then on XX/XX/XXXX this XXXX California XXXX was repealed which consequently repealed private property taxation ; and this repeal has been a matter of public record for over XXXX XXXX ( XXXX ) years ; XXXX. I discovered that property tax is based on the value of a property computed in the obligations of the United States ( Federal Reserve Notes ) ; and that no State or its subdivision shall tax the obligations of the United States pursuant to federal law ; and XXXX. I have perfected XXXX XXXX XXXX. XXXX and the specific portion that pertains to Claimants private property by bringing it forward in my name which is a matter of public record through Affidavit of Publication issued on XX/XX/XXXX by The XXXX XXXX XXXX, a newspaper adjudicated by the XXXX Court of the County XXXX XXXX XXXX State of California ; and which is now a matter of public record ; and XXXX. I informed County XXXX XXXX, XXXX XXXX # XXXX, XXXX # XXXX Tax Collector that my property is not subject to property taxation via form of Affidavit which County of XXXX defaulted on by which XXXX XXXX and admitted without an objection that Affiants property is private and does not fall under XXXX XXXX of XXXX, agent of XXXX XXXX XXXX California, jurisdiction and is not XXXX be misclassified as commercial ; and XXXX. XXXX of XXXX XXXX Assessor by their default agreed and admitted without an objection that my property is indeed private dwelling/land secured under Land Patent which is XXXX XXXX and XXXX unlike the fraudulently issued Trust Deed, which is inferior and only XXXX of title to trick and deceit the People ; and XXXX. County of XXXX XXXX XXXX and XXXX Collector failed to rebut my Affidavit and claim that my private dwelling/property is not private property/land and is subjected to property taxation under repealed XXXX California XXXX; and XXXX. Furthermore, I found out that there is no money of exchange to pay for anything, and I XXXX XXXX XXXX XXXX XXXX XXXX and Treasurer-Tax Collector Verified Good Faith Offer to Pay dated XX/XX/XXXX via Certified Mail Number XXXX which was received on XX/XX/XXXX ; and XXXX. I XXXX XXXX XXXX XXXX to specify the specie in which to pay or how shall the alleged property tax debt be XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Collector XXXX XXXX Verified Good Faith Offer To Pay which pursuant to Tender of Payment Law UCC XXXX rendered any XXXX alleged property tax debt XXXX ; and XXXX. I sent County of XXXX XXXX XXXX and Treasurer-Tax Collector Lawful Notice of Discharge on XX/XX/XXXX ; and XXXX. I started to receive harassing letters from NewRez LLC and their loan servicing XXXX XXXX agents/employees/assigns around late summer XXXX that if I do not pay alleged property taxes XXXX XXXX agents/employees/assigns will XXXX XXXX escrow account to pay for the alleged property taxes that I do not owe ; and XXXX. I contacted XXXX XXXX XXXX clearly stating that I do not consent to opening of an escrow account for the above stated reasons as I do not owe property taxes on her private property/land ; and XXXX. My Assistance of XXXX Friend, XXXX XXXX XXXX and XXXX, called XXXX XXXX institution on a recorded line on XX/XX/XXXX at XXXX and spoke with agent named XXXX to explain XXXX a great detail the situation ; and that County of XXXX XXXX and their XXXX are in litigation with me and trying to use XXXX XXXX and their XXXX as unauthorized government agent to extort me for funds I do not owe ; and XXXX. On XX/XX/XXXX at XXXX my Assistance of Counsel and I called XXXX XXXX XXXX again and spoke with agent named XXXX ID # XXXX ; and XXXX XXXX to understand for which she escalated the issue to agent named XXXX ID # XXXX ; and XXXX. Then on XX/XX/XXXX my Assistance of XXXX and I, called again XXXX XXXX institution to explain the situation yet to another agent on a recorded line ; and all these calls are recorded and made part of a record ; and XXXX. Despite the above mentioned recorded communication and disclosure XXXX XXXX agents/employees/assigns unlawfully opened an escrow account without my consent on XX/XX/XXXX ; and LoanCare and their agents/employees/assigns started to apply my mortgage payments towards this unlawful escrow account to XXXX XXXX of XXXX XXXX alleged property taxes that I do not owe ; and by doing so XXXX XXXX and their agents/employees/assigns breached the contract XXXX XXXX and XXXX XXXX causing injury ; and XXXX. I served XXXX XXXX XXXX, XXXX XXXX, 'Lawful Notification ' via United States XXXX XXXX XXXX Proof XXXX XXXX XXXX XX/XX/XXXX demanding proof that my private property/land is subject to unlawful taxation XXXX XXXX of XXXX XXXX XXXX and XXXX deposition and forensic audit of my loan account ; and XXXX XXXX failed/refused XXXX XXXX this forensic audit as required by law ; and XXXX. On XX/XX/XXXX I served XXXX XXXX XXXX, XXXX XXXX, Writ of Nature of Discovery and Disclosure and Memorandum of Law demanding proof that XXXX XXXX loaned me anything of substance of theirs via Certified Mail Number XXXX XXXX XXXX XXXX XXXX that was received on XX/XX/XXXX at XXXX ; and XXXX. I served XXXX XXXX XXXX, XXXX XXXX, with Notice of Liability/Opportunity To Correct and Contest Acceptance dated XX/XX/XXXX ; and XXXX. I served NewRez LLC XXXX, XXXX XXXX XXXX, Notice of Liability/Opportunity to Correct and Contest Acceptance, XXXX XXXX XXXX XXXX XXXX XXXX and Disclosure and Memorandum of Law dated XX/XX/XXXX via Certified Mail Number XXXX XXXX XXXX XXXX XXXX which was received and dully signed XXXX XXXX XXXX on XX/XX/XXXX ; and XXXX. I served NewRez LLC XXXX, XXXX XXXX XXXX, Notice of Adequate Assurance of Due Performance and Notice of Fault/Opportunity to Cure and Contest Acceptance dated XX/XX/XXXX via Certified Mail Number XXXX XXXX XXXX XXXX XXXX which was received on XX/XX/XXXX at XXXX ; and XXXX served NewRez LLC XXXX, XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXXXXXX dated XX/XX/XXXX via Certified Mail Number XXXX XXXX XXXX XXXX XXXX ; and XXXX. I served XXXX XXXX XXXX, XXXX XXXX, Notice of Fault/Opportunity to XXXX  and XXXX XXXX dated XX/XX/XXXX through Certified Mail Number XXXX XXXX XXXX XXXX XXXX including my Fee Schedule which XXXX XXXX received on XX/XX/XXXX at XXXX and which now serves as self-executing contract ; and XXXX. I served XXXX XXXX XXXX, XXXX XXXX, Notice XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX via Certified Mail Number XXXX XXXX XXXX XXXX XXXX which was received on XX/XX/XXXX at XXXX ; and which serves as agreement and stipulation without objection in any court in XXXX that XXXX XXXX did not loan anything of substance of theirs to me and by doing so causing me injury to be paid in damages ; and XXXX. My Assistance of Counsel, XXXX XXXX XXXX, returned Assessors Parcel Number ( APN ) # XXXX back to County of XXXX XXXX XXXX XXXX XX/XX/XXXX through Certified Mail Number XXXX XXXX XXXX XXXX XXXX that was received on XX/XX/XXXX at XXXX ; and with that this XXXX  is no longer and in no any other way associated with my private property/land ; and XXXX. I continue to make the agreed mortgage payments in amount of {$1300.00} through verified XXXX online account and XXXX XXXX is not applying my payments to the principal and stating that I am in default instead by which XXXX XXXX XXXX XXXX contract

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation