Debt collection -- Written notification about debt -- Complaint #9629903

Complaint Overview

Complaint ID: 9629903

Company: United Shore Financial Services, LLC

Product: Debt collection

Sub-Product: Mortgage debt

Issue: Written notification about debt

Sub-Issue: Didn't receive enough information to verify debt

State: California

ZIP Code: 93551

Date Received: 2024-07-26T12:00:00-05:00

Date Sent to Company: 2024-07-26T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XXXX XXXX XXXX XXXX sent me a notice of default on XX/XX/XXXX. I never received a notice that they were supposed to be collecting a debt. I have explained this to them and preceded with my own administrative process. XXXX XXXX XXXX services does not have a license to collect a debt in California, therefor the notice of default is a fraud. Here is a brief description of what happened : Corporate Assignment of Deed of Trust : Recorded on XX/XX/XXXX at XXXX AM in the XXXX XXXX XXXX XXXX XXXX, Document. MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, XXXX, AS BENEFICIARY, AS NOMINEE FOR UNITED WHOLESALE MORTGAGE , LLC assigned the Deed of Trust to UNITED WHOLESALE MORTGAGE , LLC. The assignment was signed by XXXX XXXX, Vice-President of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, XXXX. There are concerns regarding the authenticity and verification of this individuals credentials. XXXX. Notice of Default and Election to Sell Under Deed of Trust : Recorded on XX/XX/XXXX at XXXX AM in the XXXX XXXX XXXX XXXX XXXX, Document # XXXX. The amount listed as {$59000.00} on XX/XX/XXXX conflicts with the reinstatement amount showing overdue payments of {$61000.00} on XX/XX/XXXX. XXXX. Validation of Debt : Addressed to XXXX XXXX by XXXX XXXX, stating the original creditor as XXXX XXXX XXXX XXXX POOL # XXXX with a total amount of {$730000.00} as of XX/XX/XXXX. This entity does not appear to be a valid creditor, raising concerns about the legitimacy of the debt. XXXX. Trustee and Foreclosure Procedures : The XX/XX/XXXX recording was requested by XXXX with instructions to return the recording to XXXX XXXX XXXX XXXX XXXX XXXX, which is not licensed to do business in CA. Verification of FORM XXXX showing authorization for the trustee under 17 CFR 260.5b-1. XXXX XXXX XXXX under the XXXX California XXXX XXXX, Division XXXX, Part XXXX, Title XXXX, XXXX. To ensure compliance with RESPA and to clarify these discrepancies, please provide the following : XXXX. Complete Payment History : A detailed payment history, including the application of all payments, escrow account activity, and the current balance of my loan. XXXX. Documentation of Assignments : Copies of all assignments and endorsements of my mortgage, including the assignment from MERS to UNITED WHOLESALE MORTGAGE , LLC. XXXX. Validation of Debt : A thorough validation of the debt, specifically addressing the discrepancy with XXXX XXXX XXXX XXXX POOL # XXXX. XXXX. Trustee Authorization : Documentation verifying the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to act as trustee, including FORM XXXX and Majority Action Affidavit. XXXX. Foreclosure Compliance : Evidence that the foreclosure procedures comply with IRS rules and Title XXXX Part XXXX Subpart B, including the required tax filings and delegation orders. Please send the requested information to my address listed above. If you need further information, please contact me at [ XXXX ] or [ XXXX ]. Thank you for your prompt attention to this matter. Sincerely, XXXX points include : XXXX. Improper Assignment of Deed of Trust : A Deed of Trust was issued on a government form and had 20 days to be assigned and filed with an IRS XXXX XXXX Registration Statement under the Securities XXXX of XXXX. The assignment was performed by entities not appearing on the XXXX list of non-bank trustees. XXXX. Lack of Proper Authorization and Affidavits : Missing Majority Action Affidavits from shareholders authorizing the actions taken. The parties involved failed to report their interests in the estate within the required 21 days under XXXX XXXX XXXX XXXX. XXXX. Foreclosure XXXX Issues : Foreclosures must comply with IRS rules, including filing statements under Treasury Regulation 1.856-6 et seq., to treat the property as foreclosure property. Foreclosing entities are required to file these statements to avoid a prohibited transaction under 26 U.S. Code 4975. XXXX. Request for Validation and Documentation : The document calls for evidence of who authorized the Power of Attorney to act on behalf of the instrument. A XXXX notice is given to provide a certificate of release or reconveyance, failing to provide will result in legal action being pursued under various XXXX. Codes and regulations.

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