Consumer complaint received 2019-07-05 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: Millsap & Singer, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX, a notice of foreclosure was received from Millsap & Singer, P.C./LLC ( `` Millsap '' ) dated XX/XX/XXXX. A response was sent dated XX/XX/XXXX requesting a validation of the alleged debt they claim to be in default, opportunity to witness the Original wet-ink note which they claim to have, and what legal authority they have to foreclose on this property purchased by XXXX XXXX in fee simple in XX/XX/XXXX, and refinanced in XX/XX/XXXX. Rather than validate the debt, a lawsuit was filed accusing of slander of title and then proceedings for foreclosure/Quiet title. 
XXXX XXXX. XXXX et al, attorneys of Millsap, failed to rebut point-by-point with specificity, the affidavit sent to him within the time allowed, he failed to give an opportunity to witness the original wet-ink note which he claimed to possess and has continued to insist that there is a default without providing the evidence of bookkeeping showing the Sum Certain that was lent to XXXX XXXX and how XXXX XXXX XXXX , XXXX ( " XXXX '' ) was damaged by not receiving alleged payments. 
The Note filed as evidence in court has been altered and is null and void when altered. The note signed by XXXX XXXX, which the bank monetized and turned into money and put back in their pockets, is not consideration to XXXX XXXX. The exchange amounted to a gift to them and a charge to me. For my generosity, XXXX XXXX was given a bill in the same amount and asked to pay for 30 years with interest. There is no contract without consideration. Therefore a voided not can not be used as legal standing for foreclosure. 
XXXX XXXX. XXXX et al knowingly evidenced a fraudulently recorded assignment claiming to be from Mortgage Electronic Recording System, Inc. ( MERS ) without any evidence of XXXX being in MERS database search as the servicer of the alleged mortgage note number, with intent to foreclose on my property. 
The note signed by me had a government form in it from the United States Department of Housing and Urban Development ( HUD ). This makes the loan under governmental regulations as to authority to foreclose. A bank or servicing company can not legally foreclose if no commissioner has been appointed by HUD to oversee the foreclosure and none has been disclosed to me per U.S.C. Title 12. 
XXXX XXXX. XXXX falsely admit immaterial facts as evidence in color of law before this court to defraud XXXX XXXX et al. Such offense in court have penalties per Missouri Laws 575.040 and 575.060. 
XXXX has continuously refused to show evidence showing how XXXX XXXX XXXX , XXXX and/or MILLSAP & SINGER , LLC [ XXXX XXXX. XXXX, et al ] have been damaged by XXXX XXXX. Where there is no valid claim, there is no case. However, the court has continuously dismissed the pleadings and demand for evidence and allowing XXXX XXXX. XXXX to continue his fraudulent actions, violating the state and federal laws with regards to foreclosure proceeding. 
The Missouri Attorney general, SEC, FBI, and other government agencies including the Federal Court have been notified of this fraudulent activities of the attorneys of Millsap & Singer, P.C/LLC.

Company response to consumer: Closed with explanation