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- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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BROCK & SCOTT PLLC VIOLATED A COURT ORDER, TRESPASSED AND MISREPRESENTED IN COURT TO MOVE ON A WRONGFUL FORECLOSURE WITHOUT ANY EVIDENTIARY DOCUMENTS OR AUTHORITY. MANDATORY NOTICE AFFIDAVIT of ILLEGALITY I XXXX XXXX I am that I am a living spirit, flesh and blood natural man on the land, creation of most high creator, in the same image, given dominion to rule, not a slave to any debt or otherwise. Hereby depose and reserve all my rights without prejudice. I am over the age of XXXX and knowledgeable of the facts evidence and proofs within this TRUTH and competent to testify before a Jury and Just Judge in an Upright Court.
Illegal documents have been filed against me and my home, the property I own at XXXX XXXXXXXX XXXX XXXX GA XXXX legal description THE LAND REFERRED TO HEREIN IS SITUATED IN THE STATE OF GEORGIA XXXX XXXX XXXX, DESCRIBED AS FOLLOWS : All that tract or parcel of land lying and belonging in Land lot XXXX of the XXXX District, XXXX XXXX Georgia, being Lot XXXX XXXX XXXX of XXXX XXXX XXXX as per plat thereof recorded in XXXX XXXX XXXX page XXXX, XXXX County Georgia Records, which recorded plat is incorporated herein by reference and made a part of this description.. The person signing the unlawful document is XXXX XXXX of XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX XXXX XXXX have presented no authority and is a third party with whom I have no business, contract or lease, XXXX XXXX HAVE NEVER PROVIDED ANY FORM OF VALUE IN REGARDS TO THE XXXX HOME AND PROPERTY NOW UNLAWFULLY CONSPIRES TO TAKE IT AND BE ENRICHED FROM THE THEFT BY TAKING, XXXX XXXX has never been my landlord or presented contract from any that could Lawfully claim to be landlord of Grantor, Original Grantee, Issuer, Adverse Possessor of property in good faith for 11 consecutive years XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is being sought for trespass, unlawful attempts at eviction, misrepresentation, libel and the intentional infliction of emotional distress. theft by taking, Harassment of the XXXX family and property and seemingly aiding and abetting in the fraud to attain property for unjust enrichment as alleged agents for unauthorized entities XXXX XXXX XXXX XXXX XXXX who lacks standing already discovered and adjudicated in XXXX XXXX XXXX, and had no objections to Exempt From Sale and XXXX Court Order or Bankruptcy.
XXXX XXXX of XXXX XXXX XXXX being a party to said case proved up no contract, authority, despite several hearings. None objections or contract entered by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX resulting in two court orders 1.Exempting the property from sale and XXXX and 2.Discharge. No lawful Contractual agreement exists between parties XXXX and XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX, XXXX XXXX, XXXX XXXX. None. Evidence or unequivocal proof of alleged loan were ever presented. None unequivocal evidence of a creditors lien, lease or debt upon which a right to evict or collect was Presented in ANY case, NONE secured party creditor, with contract between XXXX and any of the parties, a lien or note holder in due course to prove up an unbroken chain of authority as Georgia Law Requires was presented IN THEIR NAMES and NONE Objections were made to either court orders.
XXXX GAVE MULTIPLE OPPORTUNITY TO PROVE UP : THE DEBT, SOURCE OF A LOAN, VERIFIED NAME AND IDENTITY OF LENDER, SECURED PARTY CREDITOR AND ACCOUNT RECIEPT WITH SIGNATURES FOR AUTHENTICATION, NO THIRD PARTY HEARSAY AND OR CARBON COPIES ARE ACCEPTABLE, UNEQUIVOCAL EVIDENCE AND PROOF BY ORIGINAL SIGNATURES ONLY AS THE LAW REQUIRES.
DUE TO THE OVERWHELMING FRAUD, DUPLICATION OF DOCUMENTS, UNACOUNTED FOR PAYMENTS, ADDING AND SUBTRACTING OF ROBOSTAMPED SIGNATURES, UNIDENTIFIABLE SIGNATURES, FRAUDULENT ATTESTORS and MALICIOUS MISREPESENTATIONS by PERJURING ATTORNIES with LACK of CONTRACTS XXXX XXXX XXXX party who receives title to real property from the seller ( grantor ) XXXX XXXX VOIDS security deed, assignment and deed under power.
ORIGINAL GRANTEE RESERVES ALL RIGHTS WITHOUT PREJUDICE O.C.G.A.10-7-23. Refusal to deliver evidence of debt and securities on tender of amount of debt as discharging surety The surety may tender to the creditor the amount of his debt and demand that the evidence of and the securities for the same be delivered up to him to be enforced against his principal or co-sureties ; and a failure of the creditor to comply, when within his power, shall operate to discharge the surety.
O.C.G.A. 10-1-393 Unfair or Deceptive Practices in Consumer Transactions is Unlawful. Issued checks over {$4000.00} unaccounted for. Issued Original WET INK Note unaccounted for, paid, lost, stolen or destroyed. Original security deed unaccounted for, paid lost stolen or destroyed, min numbers are inactive XXXX NO LONGER HOLDER a third party and had no written order, authority to assign VOIDS THE ASSIGNMENT, A NO INTEREST CONTRACT AS PER UCC NO PROOF OF HOLDER IN DUE COURSE The law requires purchase for value for ownership to be valid, The parties alleging the care, custody and control of the actual evidence and information about the transfer or sale of the debt, note or mortgage is XXXX XXXX allegedly on XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The parties should therefore be required to show the details of the transaction in which the debt, note or mortgage was acquired. To me, that means showing a cancelled check or wire transfer receipt in which the reference was to the loan in dispute. Confirming that the note was sold to the PARTIES prior to void foreclosure meant everyone got paid and the wrongful foreclosure is invalid unlawful double dipping unjust enrichment and VOID. Anything less than that raises questions about whether the loan implied by the note and security deed ever existed.
O.C.G.A. 44-2-43 Fraud, forgery, and theft in connection with registration of title to land ; penalty- shall be guilty of a felony and shall be punished by imprisonment for not less than one nor more than ten years.
XXXX XXXX XXXX XXXX suggested I report the crime to XXXX XXXX XXXX and be more specific in the Violations, to give specific violations the judge can bounce off of XXXX XXXX Issuer ORIGINAL Grantee and 1st and Only owner of Warranty Deed in FEE SIMPLE for 11 Consecutive Years is hereby doing so as per Magistrate Judge.
Violations FDCPA-15 U.S. Code 1692f Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement ( D ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. If the consumer notifies the debt collector in writing within the thirty-day period ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
Furnishing Certain Deceptive Forms ( 15 USC 1692j ) ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title.
( 1 ) Whoever causes damage to the property of another with the intention of procuring unlawful benefit for himself or a third person by knowingly leading such other into an act, sufferance, or omission by means of representing falsehoods as facts or misrepresenting or concealing the existing facts, shall be punished by imprisonment for not less than three months and, if the damage is especially great, not less than two years. A person commits the offense of theft by deception when he tries to obtain property by any deceitful means or artful practice with the intention of depriving the owner of the property. O.C.G.A. 16-8-3 - Theft by deception : Obtaining Property by False Pretenses felony punishable by a maximum term of imprisonment For property valued at {$25000.00} or more Felony : 2 to 20 years imprisonment. Under common law, false pretense is defined as a representation of a present or past fact, which the thief knows to be false, and which he intends will and does cause the victim to pass title of his property. That is, false pretense is the acquisition of title from a victim by fraud or misrepresentation of a material past or present fact.
What Is Theft by Conversion in Georgia?
Theft by conversion in Georgia begins with lawfully obtaining another individuals property or funds. The perpetrator then uses the funds or property for their own use without the lawful owners permission. The property can be personal property or real property as in UNLAWFUL SECURITIZATION and UNLAWFULLFORCLOSURES.
What Is Considered Personal Property in Georgia?
According to Georgia law, personal property refers to any property with the replacement value more than {$100.00}. This excludes any late fees or other penalties that may raise the value of the property.
Examples of theft by conversion includes : Payment not applied for the specific purpose, but used for other purposes instead Are Theft by Conversion and Theft by Deception the Same Crime in Georgia?
No. Theft by deception is the criminal act of using false pretenses to obtain someones property. The false pretense includes making a claim about a past event or existing fact. Theft by conversion does not include making false claims or wrongfully obtaining the property. Instead, the person takes the property from someone else legally before deciding to keep or use the property.
Is Theft by Conversion a Felony or Misdemeanor?
The crime can be either a felony or misdemeanor. What a person is charged with depends on the value of the property. Theft by conversion involving property valued at {$1500.00} or under is a misdemeanor. If the amount is over {$1500.00}, then it is a felony.
What Is the Punishment for Theft by Conversion?
The misdemeanor punishment for theft by conversion is up to 12 months in county jail and/or a {$1000.00} fine.
Making false statements ( 18 U.S.C. 1001 ) is the common name for the United States federal crime laid out in Section 1001 of Title 18 of the United States Code, which generally prohibits knowingly and willfully making false or fraudulent statements, or concealing information, O.C.G.A. 16-10-20. False statements, concealment of facts, and fraudulent documents in matters within jurisdiction of state or political subdivisions A person who knowingly and willfully falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; makes a false, fictitious, or fraudulent statement or representation ; or makes or uses any false writing or document, knowing the same to contain any false, fictitious, or fraudulent statement or entry, in any matter within the jurisdiction of any department or agency of state government or of the government of any county, city, or other political subdivision of this state shall, upon conviction thereof, be punished by a fine of not more than {$1000.00} or by imprisonment for not less than one nor more than five years, or both.
O.C.G.A 16-8-102 Residential mortgage Fraud. Offense of residential mortgage fraud A person commits the offense of residential mortgage fraud when, with the intent to defraud, such person : ( 1 ) Knowingly makes any deliberate misstatement, misrepresentation, or omission during the mortgage lending process with the intention that it be relied on by a mortgage lender, borrower, or any other party to the mortgage lending process ; ( 2 ) Knowingly uses or facilitates the use of any deliberate misstatement, misrepresentation, or omission, knowing the same to contain a misstatement, misrepresentation, or omission, during the mortgage lending process with the intention that it be relied on by a mortgage lender, borrower, or any other party to the mortgage lending process ; ( 3 ) Receives any proceeds or any other funds in connection with a residential mortgage closing that such person knew resulted from a violation of paragraph ( 1 ) or ( 2 ) of this Code section ; ( 4 ) Conspires to violate any of the provisions of paragraph ( 1 ), ( 2 ), or ( 3 ) of this Code section ; or ( 5 ) Files or causes to be filed with the official registrar of deeds of any county of this state any document such person knows to contain a deliberate misstatement, misrepresentation, or omission. ( see void deed under power ) An offense of residential mortgage fraud shall not be predicated solely upon information lawfully disclosed under federal disclosure laws, regulations, and interpretations related to the mortgage lending process.
O.C.G.A.16-8-104 Authority to investigate and prosecute for residential mortgage fraud District attorneys and the Attorney General shall have the authority to conduct the criminal investigation and prosecution of all cases of residential mortgage fraud under this article or under any other provision of this title. Nothing in this Code section shall be construed to preclude otherwise authorized law enforcement agencies from conducting investigations of offenses related to residential mortgage fraud.
O.C.G.A. 51-6-4 51-6-4. Fraud by acts or silence ; estoppel to assert title a ) A fraud may be committed by acts as well as words.
( b ) One who silently stands by and permits another to purchase property, without disclosing title, is guilty of such a fraud as estops him from subsequently setting up such title against the purchaser.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX AND THEIR ALLEGED AGENTS, PRESENTED NO TITLE, NO CONTRACT IN THEIR NAME, NO LIEN AND CANT PRODUCE LAWFULL PROOF OF ANY CLAIMS OF OWNERSHIP AUTHORITY OR STANDING TO FORECLOSE OR EVICT, TRUE OWNER OF TITTLE AND ADVERSE POSESSER XXXX XXXX SEE WARRANTY DEED, OWNERS TITTLE INSURANCE, LAND PATENT CLAIM AND ALL OTHER AUTHORITIVE DOCUMENTS PROOVING LINDSAYS OWNERSHIP INTEREST AUTHORITY AND STANDING, GOOD FAITH ADVERSARIAL POSSESION WITH FAMILY for 11 CONSECUTIVE YEARS.
Using the Mails to Defraud - Crimes of Fraud are CRIMES INVOLVING MORAL TURPITUDE and, therefore, use of the mails in order that the contents of such communication be relied upon by recipient to defraud would amount to a crime which, of necessity, involve moral turpitude. READILY AVAILABLE UPON REQUEST MISREPRESENTED FRAUDULENT AND TAMPERED DOCUMENTS SENT THROUGH USPS MAIL TO HARRASS XXXX AND FORCE UNFAVORABLE ACTIONS.
O.C.G.A. 44-2-14 Requirements for recordation no instrument by which the title to real property or any interest therein is conveyed, created, assigned, encumbered, disposed of, or otherwise affected shall be entitled to recordation unless the name and mailing address of the natural person to whom the affidavit or instrument is to be returned is legibly printed, typewritten, or stamped upon such affidavit or instrument at the top of the first page thereof.
O.C.G.A. 11-9-201. General effectiveness of security agreement.
( a ) General effectiveness. Except as otherwise provided in this title, a security agreement is effective according to its terms between the parties, against purchasers of the collateral, and against creditors.
O.C.G.A. 13-1-8. Contract defined -- Entire and severable contracts ( a ) A contract may be either entire or severable. In an entire contract, the whole contract stands or falls together. In a severable contract, the failure of a distinct part does not void the remainder.
( b ) The character of the contract in such case is determined by the intention of the parties. O.C.G.A.13-1-1. Contract defined -- Generally A contract is an agreement between two or more parties for the doing or not doing of some specified thing.
Grantor Owner Affiant XXXX Issued a Note valued at {$230000.00} received No guarantee of performance, loan receipt, validation of debt, creditors lien, despite several petitions and request to meet face to face. However XXXX note a negotiable instrument of value tendered and not returned dis-honored XXXX XXXX Received payment A FAIR EXCHANGE. Since then the note I issued, quote HAVE BEEN CHOPPED UP AND DUPLICATED SO MANY TIMES WE WOULDNT KNOW WHERE TO FIND IT end quote. Witness evidence must be subpoena by the court for disclosure XXXX XXXX is not A tenant but 1st possessor of tittle for 11 consecutive years and invokes his good faith adverse possession rights. A fraudulent deed under power was filed against my property by XXXX and XXXX and voided by owner XXXX because of the fraud. XXXX was in Bankruptcy at the time of wrongful invalid and void Sale.
NO OBJECTION, request of a lift or permission to pursue was ever presented by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the responsible attorneys I believe to be a XXXX XXXX and XXXX XXXX attorneys for the firm XXXX and XXXX.
11. XXXX XXXX made misrepresentative statements prior, on behalf of XXXX XXXX in XXXX XXXX XXXX Appearance and to my belief perjured.to cover up their fraudulent misrepresentation. evidence readily available upon request.
O.C.G.A. 16-10-70. Perjury ( a ) A person to whom a lawful oath or affirmation has been administered commits the offense of perjury when, in a judicial proceeding, he knowingly and willfully makes a false statement material to the issue or point in question.
( b ) A person convicted of the offense of perjury shall be punished by a fine of not more than {$1000.00} or by imprisonment for not less than one nor more than ten years, or both. Perjury -- Overview Of 18 U.S.C. 1621 And 1623 Violations Manual at 902 et seq.
12. O.C.G.A. 16-10-72. Subornation of perjury or false swearing A person commits the offense of subornation of perjury or false swearing when he procures or induces another to commit the offense of perjury or the offense of false swearing and, upon conviction thereof, shall be punished by a fine of not more than {$1000.00} or by imprisonment for not less than one nor more than ten years, or both.
13. Guilty of subordination of perjury18 U.S.C. 473 - Buying, Selling, Exchanging, Transferring, Receiving, or Delivering any False, Forged, Counterfeit, or Altered Obligation or Security of the U.S., with Intent that the Same be Passed, Published, or Used as True.
14. O.C.G.A. 16-8-3. Theft by deception ( a ) A person commits the offense of theft by deception when he obtains property by any deceitful means or artful practice with the intention of depriving the owner of the property.
15. ( b ) A person deceives if he intentionally : ( 1 ) Creates or confirms another 's impression of an existing fact or past event which is false and which the accused knows or believes to be false ; ( 2 ) Fails to correct a false impression of an existing fact or past event which he has previously created or confirmed ; ( 3 ) Prevents another from acquiring information pertinent to the disposition of the property involved ; ( 4 ) Sells or otherwise transfers or encumbers property intentionally failing to disclose a substantial and valid known lien, adverse claim, or other legal impediment to the enjoyment of the property, whether such impediment is or is not a matter of official record.
Grand Theft is a Crime Involving Moral Turpitude- When the property is taken from the person of another. Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, Title 42 1943-unique importance : enforcement is placed in the hands of the people ( a ) Arrest warrants, contempt of court order petition, trespass, illegal eviction judgements among moral turpitude and other violations of Georgia codes and Supreme Court Laws and violations of Constitutional protections are being sought for all three perpetrators.
( b ) Contempt of court. Failure to appear pursuant to any summons or subpoena, disrespectful conduct or failure to comply with any other order or judgment of the court shall constitute contempt of court and be punishable as provided by the City Charter..
( c ) O.C.G.A. 16-7-21 Criminal trespass A person commits the offense of criminal trespass when he or she knowingly and without authority : ( 1 ) Enters upon the land or premises of another person or into any part of any vehicle, railroad car, aircraft, or watercraft of another person for an unlawful purpose ; ( 2 ) Enters upon the land or premises of another person or into any part of any vehicle, railroad car, aircraft, or watercraft of another person after receiving, prior to such entry, notice from the owner, rightful occupant, or, upon proper identification, an authorized representative of the owner or rightful occupant that such entry is forbidden.
( d ) The entity these men claim to be representing, XXXX XXXX XXXX XXXX XXXX, denied owning the loan, denied owning the property, is unable to present the original note for authentication, does not own a Lawful Original security deed and Note signed by XXXX and themselves as parties to a contract registered in XXXX County Clerks Office, Can not prove up an unbroken chain of holder in due course AND DENIED involvement in the fraudulent wrongful foreclosure process.
( e ) Transporting forgery securities interstate commerce ( 18 U.S.C. Section 2314 ), 18 U.S.C. 912 is a divisible statute and defines two separate offenses. First, " whoever falsely assumes or pretends to be an officer or employee, acting under the authority of the United States or any department, agency or officer thereof, and acts as such '' ; or, second, " in such pretended character demands or obtains any money, paper, document, or thing of value. '' Conviction for violation of the second portion necessarily involves an element of fraud ; and fraud being present, the crime is one involving moral turpitude CRIMES AGAINST PROPERTY ( f ) Moral turpitude attaches to any crime against property, which involves " fraud, '' whether it entails fraud against the Government or an individual. The major crimes against property, which involve an evil or predatory intent, likewise involve moral turpitude. Certain crimes against property may require guilty knowledge or an intent to permanently take property.. CRIMES AGAINST PROPERTY FOUND TO INVOLVE MORAL TURPITUDE ( g ) Forgery.
( h ) Uttering a Forged Instrument.
( i ) Accessory Before the Fact in Uttering a Forged Instrument.
( j ) Possession of Stolen Property ( k ) Sending Threatening Letters Through Mail with Intent to Extort.
Fraud.
( l ) Encumbering Property with Intent to Defraud.
( m ) Passing Forged Instruments.
( n ) Attempted Fraud.
( o ) Using the Mails to Defraud.
( p ) Securities Fraud.
( q ) Conspiracy to Defraud the Public.
( r ) Transporting Stolen Property.
( s ) Obtaining Money by False Pretenses.
( t ) Malicious Trespass.
Everyone who causes any event by an act which he knew would probably cause it, being reckless whether such event happens or not, is deemed for the purposes of this part to have caused it willfully.
O.C.G.A. 44-14-33. Attestation or acknowledgment of mortgage ; additional witness in case of land ; constructive notice In order to admit a mortgage to record, it must be attested by or acknowledged before an officer as prescribed for the attestation or acknowledgment of deeds of bargain and sale ; and, in the case of real property, a mortgage must also be attested or acknowledged by one additional witness. In the absence of fraud.
( u ) The crime of document forgery is committed by any of the following means : ( v ) Placing a false signature or flourish, even though imaginary, or altering a true one.
( w ) Accessory Before the Fact in Uttering a Forged Instrument is a Crime ( x ) Every person concerned in the commission of a crime is a party thereto. O.C.G.A. 16-2-20. Any party who did not directly commit the crime may be convicted of the crime upon proof that the crime was committed and he was a party thereto, despite the outcome of the one who directly committed the crime. O.C.G.A. 16-2-21.0a ( y ) O.C.G.A. 16-2-0 ( b ) ( z ) Accessory before the fact ; accessory after the fact is hindering apprehension " Abet '' means to encourage, incite, or help and " Aid '' means to give help or assistance to. Proof of a common criminal intent with the actual perpetrators is necessary, and may be inferred from his conduct before, during, and after the crime. If associates shared common design to do an unlawful act, then any act done in pursuance by any one of them would be the act of each of them.
( aa ) Penalty ( bb ) Punishment is that of the substantive offense. O.C.G.A. 16-2-21.
( cc ) Whoever aids in the commission of a felony, or is accessory thereto before the fact by counseling, hiring or otherwise procuring such felony to be committed shall be punished in the manner provided for the punishment of the principal felon.
( dd ) An accessory to a felony before the fact may be indicted, tried and punished in the same county where the principal felon might be indicted and tried, ( ee ) Uttering Forged Record or Contract.
( ff ) Whoever, with intent to injure or defraud, utters and publishes as true a false, forged or altered record, deed, instrument or other writing knowing the same to be false, forged or altered, shall be punished by imprisonment in the state prison for not more than 10 years in jail for not more than two years.
( gg ) Forgery of Public Documents.
( hh ) Swindling ( ii ) Conspiracy to Commit Forgery in the Third Degree and Making False Statement ( jj ) Forgery is a Crime Involving Moral Turpitude-, Georgia .
( kk ) State of Georgia conviction for forgery. Animashaun v. INS, XXXX XXXX XXXX XXXX XXXX Cir. XXXX XXXX XXXX XXXX Cir. XXXX ). The XXXX XXXX in XXXX XXXX XXXX, XXXX XXXX. Appx. XXXX XXXX XXXX Cir. XXXX ), held that a conviction for forging proof of financial responsibility under the Texas Transportation Code, section 601.196, was a CIMT as the offense involved forgery and was fraudulent in nature.
( ll ) Attempting to Obstruct or Impede the Progress of Justice.
( mm ) 18 U.S. Code 1505 - Obstruction of proceedings before departments, agencies, and committees ( a ) Whoever, with intent to avoid, evade, prevent, or obstruct compliance, in whole or in part, with any civil investigative demand duly and properly made under the Antitrust Civil Process Act, willfully withholds, misrepresents, removes from any place, conceals, covers up, destroys, mutilates, alters, or by other means falsifies any documentary material, answers to written interrogatories, or oral testimony, which is the subject of such demand ; or attempts to do so or solicits another to do so ; ( b ) The Real Estate Settlement Procedures Act ( RESPA ) was a law passed by the United States Congress in 1974 and codified as Title 12, Chapter 27 of the United States Code, 12 U.S.C. 26012617.
( c ) Section 8 of RESPA prohibits a person from giving or accepting any thing of value for referrals of settlement service business related to a federally related mortgage loan. It also prohibits a person from giving or accepting any part of a charge for services that are not performed.
( d ) All attempts to hold these conspirators accountable have failed thus far However XXXX was instructed by Magistrate Judge to refile warrant application for XXXX XXXX because lack of service of last notice to appear. I am now pleading with the F.B.I., XXXX District Attorney, Georgia Attorney General 's Office to Investigate these bullies.
O.C.G.A. 51-6-1. Right of action for fraud accompanied by damage : Fraud, accompanied by damage to the party defrauded, always gives a right of action to the injured party. The XXXX Family is the only Injured Party and has lost thousands and missing notes, is suffering financially and emotionally, Georgia applies the Impact Rule which permits recovery for negligent infliction of emotional distress only when the conduct causes a direct physical impact on the plaintiff. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The contact may be de minimis and still be sufficient for the plaintiff to recover.
Lindsays lost thousands of dollars in the fraud and shall continue defending our home of 11 CONSECUTIVE YEARS.XXXX XXXX XXXX XXXX AND XXXX XXXX HAVE NO INTEREST IN OUR HOME AND SEEKS ONLY THE UNJUST FINANCIAL GAIN THEY CAN RECEIVE XXXX HAD PRIOR KNOWLEDGE THAT THE PROPERTY IS UNDER AN EXEMPT FROM SALE AND XXXX COURT ORDER IN WHICH HE LITIGATED AND FAILED, IN WHICH HE TRIED TO GET OVERTURNED AND FAILED.SPECIFIC QUESTIONS WERE ASKED BY TWO XXXX COUNTY JUDGES REQUEST TRANSCRIPT OR AUDIO OF CASES AS XXXX XXXX knew XXXX is under bankruptcy before wrongful invalid void foreclosure. Debts discharged with NO OBJECTION FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR ANY CREDITOR AT MEETING OF CREDITORS AND NO PRESENTMENT OF A CREDITORS LIEN.
Here are some basic black letter rules, that have been followed for centuries : 1. A holder must possess the original note.
2. Transfer of possession must be authenticated by an affidavit or certification based upon personal knowledge. In writing 3. A party relying upon power of attorney or other document must produce the authenticated original of that document.
4. Using the words as attorney in fact means nothing unless the party is able to produce a witness who, in their own personal knowledge, knows and states that the POA is in writing and has not been revoked.
5. That witness must be able to lay the factual foundation and authentication for introduction of the Power of Attorney or any other such document.
6. Without such foundation and authentication, any testimony or documents proffered by virtue of the POA can not be admitted into evidence and for purposes of the case then, such statements or documents do not exist.
7. A party who claims a legal relationship with another party and who relies upon it for proffering evidence must provide evidence of the legal relationship.
8. A Power of Attorney must be in writing, duly signed and acknowledged as set forth in state statutes. Oral Powers of Attorney can not be used to circumvent the requirement that interests in real property ( including mortgages ) must be in writing.
9. A party seeking to enforce a note must be able to establish, through competent evidence, the location and the previous locations of the note in order to establish possession and the right to enforce, respectively.
10. Certifications must be based upon personal knowledge and
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| 05/27/2018 |
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- Struggling to pay mortgage
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CFPB COMPLAINT NUMBER : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX.
XXXX, XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX.
XXXX, XXXX XXXX Senator XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX, XXXX XXXX Dear Addressed ; Injustice anywhere is a threat to justice everywhere. We are caught in an inescapable network of mutuality, tied in a single garment of destiny. Whatever affects one directly, affects all indirectly. XXXX XXXX XXXX XXXX.
It is forgotten by many that the founding principles of this nation are All Men are created Equal. We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable rights that among these are Life, Liberty and the Pursuit of Happiness. These words are the core of this mission.
XXXX is my home.XXXX, XXXX XXXX XXXX was ranked the most dangerous out of the 50 biggest cities in the country, according to a new analysis of crime data. XXXX riots can refer to several incidents of civil unrest in XXXX, XXXX 's history. It is baptism by fire intro to XXXX elite world of privilege, power and prejudice. Minorities are shown implicit bias. This is an ongoing example and request for eradication of this unconstitutional inherent fraud victimization. Your assistance in this unfortunate ongoing situation is hereby requested. This is an official complaint against and in concern of Brock and Scott PLLC.
However, every XXXX Agency I have reached out to for assistance including Governor XXXX, Attorney General XXXX, XXXX State Bar Association, XXXX Judicial XXXX, elected officials seem to just throw this issue and concern in the not important, just one vote, its not election time pile. Now we have exceeded 10,000 11, 284 strong.
I was fortunate enough, in a truly unfortunate crime, to meet a once family, a once mother, whom has suffered. Brock and Scott PLLC can now add XXXX to their list, as their scams, schemes, deception and forged documents ploys was the reason a womens son ended his life. He lost his home, as the courts failed to take the time to evaluate the altered and unlawful documents. When this XXXX year old man, lost his home, he lost his family, wife and children, abandoned him. They relocated back out of state with their biological family, without notice, and he remained here in XXXX. He was ignored and bullied. Unjust enrichment, greed, and ignorance, stole the life of a man, a son, and a father. This gentlemans mother signed the petition, and has helped me in the background to raise over 10,000 ( ten thousand ) 11,284 ( eleven thousand two hundred and eighty four XXXX Resident signatures.
Department of Housing and Urban Development, FBI Criminal and Civil, US Security and Exchange Commission, have been properly made aware of the critical nature of this matter. We are now looking for an immediate resolution from the source of the issue.the elected officials, justices and Department Leaders whom sit idle and watch the victimization occur while suppling nothing but excuses. As those people are the problem. Injustice anywhere is a threat to justice everywhere. We are caught in an inescapable network of mutuality, tied in a single garment of destiny. Whatever affects one directly, affects all indirectly. XXXX XXXX XXXX XXXX.
The fact remains that Brock and Scott PLLC, a XXXX based law firm, has used illegal fraudulent tactics, to include unlicensed activity, by use of forged and uttered documents for unjust enrichment by way of unlawful foreclosures, utilizing racial profiling and class stratification. XXXX v XXXX, XX/XX/XXXX ( XXXX ) It is most incredible and a very, very troubling commentary on the state of our nations judicial system when fraudulent documents are permitted to be used in any courtroom. Worse than that, its even more troubling that the production and use of fraudulent documents, on a continual basis is allowed, accepted, and does not result in harsh penalties by the court system itself. Moreover, how is this not caught and irradiated prior by the agencies in charge of oversight in such areas, in this case XXXX DLLR Financial Regulation. Enforcement pursuant XXXX Fair Debt Collection Practices Act 7-205 is hereby demanded. Enforcement concerning the attorneys involved and the Business itself is hereby requested.
BROCK AND SCOTT PLLC engages in illegal collection of asserted debts, by way of unlicensed practice of law, and fraud upon the Court. BROCK AND SCOTT PLLC was not licensed as a collection agency in XXXX, as required by the XXXX Collection Agency Licensing Act ( MCALA ), XXXX. Code Ann., Bus. Reg. 7- 301. This complaint brings rise to the fact that the judgments against XXXX Residents were obtained based upon affidavits that were irregular in certain respects and BROCK AND SCOTT PLLCs unlicensed collection activities violated the XXXX Consumer Debt Collection Act ( MCDCA ), XXXX. Code Ann., Com. Law 2 14-201 to 14-204, and the XXXX Consumer Protection Act ( MCPA ), XXXX. Code Ann., Com. Law 13-301.
Points of contention for review : 1. Whether judgments entered or case filed by or in favor of Brock and Scott PLLC in the XXXX Courts are void because Brock and Scott PLLC was not licensed as a collection agency when it filed the actions as required under XXXX law.
2. With known violations, court recordation, and numerous consumer complaints, did or does Brock and Scott PLLC meet the qualification to be or have become licensed as a collection agency in XXXX.
3. With the publicized use of non-attorneys in XXXX, representing a corporation, how are judgements rendered pursuant the fact a judgment is void under XXXX law if the judgment was obtained by an unlicensed attorney, or by a corporation not represented by an attorney. See XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. App. at XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX are docketed attorney representatives, not licensed in XXXX.
4. Whether a party whom collaterally attacks a judgment entered and/or case entertained by a governing entity in favor of an unlicensed collection agency, Brock and Scott PLLC, should hold the entertaining entity responsible for allowing such illegal action, once known.
XX/XX/XXXX a federal judge ruled Foreclosure, although legal in nature, is activity undertaken for the general purpose of inducing payment, XXXX said. A debt collector can not avoid FDCPA liability simply by proceeding in rem rather than in personam. Per Brock and Scott PLLC communication to XXXX XXXX and XXXX XXXX, as well has thousands of other XXXX, Brock and Scott PLLC was acting as a debt collector and engaged in debt collection activity when it communicated with the plaintiffs and filed the foreclosure action.
XXXX v. XXXX, XX/XX/XXXX The Court of Special Appeals of XXXX, the intermediate appellate court in that state, recently held that a party who authorizes a foreclosure trustee to initiate a foreclosure action on a deed of trust must be licensed as a collection agency in the state before filing the foreclosure lawsuit.
A party that lacks a required license may not file an action in a XX/XX/XXXX court to enforce rights related to its unlicensed activities. See, e.g., XXXX XXXX, XXXX v. XXXX, XXXX XXXX. XXXX, XXXX ( XXXX ). The Court of Appeals explained that : [ I ] f a statute requiring a license for conducting a trade, business or profession is regulatory in nature for the protection of the public, rather than merely to raise revenue, an unlicensed person will not be given the assistance of the courts in enforcing contracts within the provisions of the regulatory statute because such enforcement is against public policy. Id. See also XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX v. XXXX, XXXX XXXX. XXXX, XXXX ( XXXX ) ( reversing summary ejectment judgment entered against a tenant and in favor of an unlicensed landlord because the purpose of the [ landlord licensing ] statute was to eliminate a perceived harm, rather than to build the public fisc.... ) In XXXX, the Court of Appeals concluded that the lack of a license implicated the landlords status as a claimant in XXXX courts, rather than constituting an affirmative defense. XXXX, XXXX XXXX. at XXXX. The district court had awarded possession of leased 5 premises to an unlicensed landlord, and entered a money judgment in favor of the landlord for rent and late fees. XXXX, XXXX XXXX. at XXXX. On appeal, the Court of Appeals considered the effect of the licensure requirement on the validity of the district court judgment. Id. at XXXX. The Court noted that the relevant statutory provision contained no explicit requirement that a landlord be licensed in order to maintain an action in court. Id. Accordingly, the Court observed that, [ w ] hether [ ] the landlord must establish his bona fides regarding licensure at the time of filing, as a matter of law, or whether the tenant should plead the lack of a license as an affirmative defense remains an issue. Id. The Court ultimately held that licensure impacted the landlords status as a claimant in XXXX courts, rather than constituting an affirmative defense : Licensure under local ordinances in order to operate rental dwelling units is an integral part of a landlord 's status as claimant in those jurisdictions that require licensure. As a result, in order to invoke the facile process of summary ejectment, a landlord in those jurisdictions requiring licensure, must affirmatively plead and demonstrate that he is licensed at the time of the filing of the complaint for summary ejectment in order to initiate the summary ejectment process.
XXXX v. XXXX, XXXX XXXX. XXXX ( XXXX ) ( unlicensed architect not permitted to recover architectural fees in breach of contract action because architect was not licensed as required by law ) ; XXXX XXXX XXXX v. XXXX, XXXX XXXX. App. XXXX ( XXXX ) ( contractor could not enforce a contract with a consumer in court because contractor was unlicensed ) XXXX law requires a debt collector to obtain a license. See MCALA, XXXX. Code Ann., Bus. Reg. 7-301 ( a ) ( a person must have a license whenever the person does business as a collection agency in the State. ). The MCALA defines a collection agency as a person who engages directly or indirectly in the business of :... ( ii ) Collecting a consumer claim the person owns, if the claim was in default when the person acquired it. Id. at 7-101 ( c ). [ A ] Consumer Debt Purchaser that collects consumer claims through civil litigation is a collection agency under XXXX law and required to be licensed as such regardless of whether an attorney representing the Consumer Debt Purchaser in the litigation is a licensed collection agency. XXXX. State Collection Agency Licensing Bd. Advisory Notice 05-10, XX/XX/XXXX. Acting without a license is also a misdemeanor under XXXX law. See MCALA XXXX ( b ). BROCK AND SCOTT PLLC concedes that it was not licensed at the time it filed actions against XXXX XXXX and XXXX XXXX and other XXXX. Moreover, BROCK AND SCOTT PLLC seemingly does not dispute that it was required to obtain a license under The MCALA prior to filing actions against XXXX XXXX and XXXX XXXX and other XXXX.
In XXXX, a collection agencys failure to obtain a license, as required by the MCALA, renders any judgment entered in favor of an unlicensed collection agency void or voidable. See XXXX XXXX, XXXX v. XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). There, an intermediate appellate court in XXXX held that judgments obtained by XXXX in XXXX district courts were void because XXXX was unlicensed, as required by the XXXX Collection Agency Act, when it filed the district court actions. Id. In so holding, the XXXX court rejected the trial courts conclusion that the lack of licensure made the judgment merely voidable [. ] Id. at 1233. Rather, the XXXX court held that the legislatures criminalization of an unregistered collection agencys collection of a debt establishes an intent to void any judgment entered in favor of an unregistered collection agency. Id. at 1234. The XXXX court also observed that the XXXX General Assembly adopted legislation to license and regulate collection agencies... [ on the basis that ] practice as a collection agency... affect [ s ] the public health, safety, and welfare.... Id. at 1236.
In reaching its decision, the XXXX court explained that [ w ] e find this case similar to cases in which a person practices law without a license. Id. at 1237. Under XXXX law, [ a ] complaint drafted by a non-attorney on behalf of a corporation constitutes the unauthorized practice of law rendering the pleading a nullity and any judgment entered on it void. Id. ( citations omitted ). Consequently, the XXXX court held that a complaint filed by an unregistered collection agency is similarly a nullity, and any judgment entered on such a complaint is void.
United States District Court for the District of XXXX has held that filing a collection action without a license, as required under the MCALA, constitutes an attempt to enforce a right... that does not exist. XXXX, XXXX, 765 F. Supp. 2d at 732 ( applying XXXX law ). Similarly, in the context of federal law, the XXXX court held that filing a collection action without a license under the MCALA constitutes an action that can not legally be taken. Id. at 731. In so holding, the Hilco court relied upon various cases from other jurisdictions holding that violations of parallel state laws that mandate licensure by collection agencies amounted to actions that can not legally be taken. Id. at 728 ( citing XXXX v. XXXX , XXXX, XXXX XXXX. XXXX, XXXX ( XXXX ) ; XXXX v. XXXX XXXX XXXX XXXX. XXXX, XXXX ( XXXX ) ; XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) ).
The XXXX precedent on void judgments weighs in favor of adopting the analysis set forth in XXXX. The definition of a void judgment in XXXX mirrors the definition under XXXX law. See XXXX, XXXX XXXX. at XXXX ( A void judgment is a mere nullity, which [ is ] disregarded entirely.... ) ; see also XXXX, XXXX XXXX at XXXX ( A void judgment is from its inception a complete nullity and without legal effect. ). A judgment is void under both XXXX law and XXXX law if the judgment was obtained by an unlicensed attorney, or by a corporation not represented by an attorney. See XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. App. at XXXX. The laws of both XXXX and XXXX also require collection agencies to be licensed in order to file collection actions in court, and impose criminal penalties for parties that engage in unlicensed collection activities. See MCALA 4-301 ( a ) and 7-401 ( b ).
Much like a complaint filed by a non-lawyer, a complaint filed by an unregistered collection agency is [ ] a nullity, and any judgment entered on such a complaint is void. XXXX, XXXX, XXXX XXXX at XXXX. We are further persuaded by the XXXX courts rationale that the imposition of criminal penalties for engaging in unlicensed collection activities establishes an intent by the legislature to void any judgment entered in favor of an unregistered collection agency.
See XXXX, XXXX XXXX. XXXX. at XXXX ( holding that the drastic remedy of deeming a judgment void because it was obtained by a non-lawyer was called for by [ t ] he totality of the circumstances, including the long history of rules and legislation aimed at preventing the practice of law by non-lawyers [. ] ). Likewise, here, the drastic remedy of deeming a judgment void if it was obtained by an unlicensed collection agency is warranted in light of the legislation aimed at preventing such practices. See, e.g., XXXX, XXXX, XXXX XXXX XXXX. at XXXX ( discussing the long-standing consumer protection statutes in force in XXXX, including the XXXX and XXXX, as well as the implication of the licensure requirements ) ; MCALA 7-205 ( c ) ( 4 ) ( amount of penalty imposed for unlicensed collection activities is determined based upon factors including the deleterious effect of the violation on the public and the collection industry.... ) ; MCALA XXXX ( b ) ( imposing criminal penalties for parties that engage in unlicensed collection activities ). Further supported by XXXX, which held that filing a collection action without the requisite license under the MCALA constitutes an action that can not legally be taken. XXXX, XXXX, XXXX XXXX XXXX. at XXXX.
The XXXX cases addressing an unlicensed partys status as a claimant in XXXX courts also bolster our analysis. XXXX considered whether a party must establish his bona fides regarding licensure at the time of filing, as a matter of law, or whether [ the defendant ] should plead the lack of a license as an affirmative defense. The XXXX Court held that the lack of a license was not merely an affirmative defense because licensure is an integral part of the landlords status as a claimant in XXXX. Similarly, here, the legislature has made clear that any entity that collects consumer claims through civil litigation is... required to be licensed.... XXXX. State Collection Agency Licensing Bd. Advisory Notice 05-10, XX/XX/XXXX. Thus, the licensing requirement contained in the MCALA is an integral part of a collection agencys status as a claimant in XXXX.
Moreover, like the landlord licensing requirement in XXXX, the MCALA licensure requirement is intended to eliminate a perceived harm, rather than to build the public fisc. See XXXX, XXXX, XXXX XXXX. at XXXX. To be sure, the MCALA imposes penalties for violations of the MCALA -- such as engaging in unlicensed collection activities -- and the penalty amount is determined based upon factors including the deleterious effect of the violation on the public and the collection industry.... MCALA 7-205 ( c ) ( 4 ). Additionally, the MCALA does not just mandate licensure, but also imposes criminal penalties for collection agencies that engage in collection activities without a license. See MCALA 7-401 ( b ).
BROCK AND SCOTT PLLC was not licensed when it obtained judgments against XXXX Residents, accordingly, the underlying cases and judgments are void. With that noted, Brock and Scott PLLC has commenced numerous foreclosures in XXXX, in violation of XXXX Collection Agency Licensing Act ( MCALA ), XXXX XXXX ( XXXX, XXXX Repl. Vol. ), B.R. 7-101, et seq., and many using fraudulent documents. Brock and Scott PLLC, was not licensed until XX/XX/XXXX, License Number XXXX.
XXXX DLLR Financial Regulation, XXXX XXXX XXXX ... Abusive debt collection practices can contribute to personal bankruptcies, employment and marital instability, invasion of privacy, mental anguish and emotional distress. Even in times of economic prosperity, it may be difficult to meet certain financial obligations due to a sudden loss of income, coping with a catastrophic injury, or other adverse situations. XXXX has been at the forefront of protecting consumers against abusive debt collection practices by licensing collection agencies and enforcing the XXXX Consumer Debt Collection Act.
The XXXX Consumer Debt Collection Act ( " the Act '' ) provides recourse to XXXX consumers whose rights under the Act have been violated. Please be advised that the Act does not apply to any commercial transaction or transactions entered to carry on a business interest. Also, the collection of certain obligations owed to a state or the federal government may preempt the law. Under the Act a collector who violates any provision of the XXXX law is liable for damages proximately caused by the violation, including damages for emotional distress or mental anguish suffered with or without accompanying injury.
It is specifically statedClaim, attempt, or threaten to enforce a right with knowledge that the right does not exist and use a communication which simulates legal or judicial process or gives the appearance of being authorized, issued or approved by a government, government agency or lawyer when it is not.
Much like a complaint filed by a non-lawyer, a complaint filed by an unregistered collection agency is [ ] a nullity, and any judgment entered on such a complaint is void. XXXX, XXXX, XXXX XXXX at XXXX. We are further persuaded by the XXXX courts rationale that the imposition of criminal penalties for engaging in unlicensed collection activities establishes an intent by the legislature to void any judgment entered in favor of an unregistered collection agency. With that stated, the listed Attorneys within the many cases, including XXXX XXXX and XXXX XXXX, are not attorneys licensed to practice in XXXX or not attorneys employed by Brock and Scott PLLC.
Per court record, attached, the following have, are and continue to violate the law in Accordance with XXXX Fair Debt Collection Practices Act 7-102 ( a ) ( 10 ) ( iv ) : Before collecting a debt, the person files with the Board : 1. The correct name of the person ; 2. An address and telephone number of a contact person ; and 3. The name of the persons resident agent.
XXXX XXXX XXXX Attorney # XXXX not employed by Brock & Scott PLLC ( due to signature variations, robo-signing is asserted ) XXXX XXXX works from his home address in XXXX XXXX.
o XXXX XXXX fails to meet lawful provisions in accordance with XXXX Fair Debt Collection Practices Act 7-102 ( a ) ( 10 ) ( iv ). As no Board Record of Correct Name of Person ; Address and Telephone Number of Contact Person ; and Name of the Persons Resident Agent for his legal address is on record with XXXX DLLR Financial Regulation.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney # XXXX see fraud complaint on file with the XXXX Attorney Commission and XXXX XXXX is employed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .
o XXXX XXXX fails to meet lawful provisions in accordance with XXXX Fair Debt Collection Practices Act 7-102 ( a ) ( 10 ) ( iv ). As no Board Record of Correct Name of Person ; Address and Telephone Number of Contact Person ; and Name of the Persons Resident Agent for his legal address is on record with XXXX DLLR Financial Regulation.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney XXXX XXXX not employed by Brock & Scott PLLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
o XXXX XXXX fails to meet lawful provisions in accordance with XXXX Fair Debt Collection Practices Act 7-102 ( a ) ( 10 ) ( iv ). As no Board Record of Correct Name of Person ; Address and Telephone Number of Contact Person ; and Name of the Persons Resident Agent for his legal address is on record with XXXX DLLR Financial Regulation.
XXXX : XXXX? XXXX & XXXX & XXXX XXXX XXXX XXXX XXXX Attorney # XXXX.. Has Remained Inactive In The State Of XXXX Since XX/XX/XXXX o XXXX XXXX XXXX fails to meet lawful provisions in accordance with XXXX Fair Debt Collection Practices Act 7-102 ( a ) ( 10 ) ( iv ). As no Board Record of Correct Name of Person ; Address and Telephone Number of Contact Person ; and Name of the Persons Resident Agent for his legal address is on record with XXXX DLLR Financial Regulation.
XXXX XXXX XXXX XXXXXXXX & XXXX & XXXX XXXX XXXX XXXX XXXX Attorney # XXXX. Inactive Since XX/XX/XXXX.
o XXXX XXXX XXXX fails to meet lawful provisions in accordance with XXXX Fair Debt Collection Practices Act 7-102 ( a ) ( 10 ) ( iv ). As no Board Record of Correct Name of Person ; Address and Telephone Number of Contact Person ; and Name of the Persons Resident Agent for his legal address is on record with XXXX DLLR Financial Regulation.
XXXX : XXXX? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney # XXXX not employed by Brock & Scott PLLC.
o XXXX XXXX XXXX fails to meet lawful provisions in accordance with XXXX Fair Debt Collection Practices Act 7-102 ( a ) ( 10 ) ( iv ). As no Board Record of Correct Name of Person ; Address and Telephone Number of Contact Person ; and Name of the Persons Resident Agent for his legal address is on record with XXXX DLLR Financial Regulation.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. XXXX Attorney # XXXXnot at a registered Brock and Scott Address to commence or conduct lawful collection activity.
o XXXX XXXX XXXX XXXX fails to meet lawful provisions in accordance with XXXX Fair Debt Collection Practices Act 7-102 ( a ) ( 10 ) ( iv ). As no Board Record of Correct Name of Person ; Address and Telephone Number of Contact Person ; and Name of the Persons Resident Agent for his legal address is on record with XXXX DLLR Financial Regulation.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX files this action to seek enforcement by all the governing entities addressed and elected officials for themselves and those persons sued by BROCK AND SCOTT PLLC in XXXX Courts from XX/XX/XXXX through XX/XX/XXXX against whom BROCK AND SCOTT PLLC filed a suit in attempt to receive judgment for an alleged debt, interest or costs, including attorneys fees, by way of foreclosure, in its favor in an attempt to collect a consumer debt in XXXX, without a collection agency license.
Moreover, the approval of a XXXX Collection Agency license by XXXX Financial Regulation after numerous complaint filed against Brock and Scott PLLC, undermines the need and mission of the agency by core definition.
Justice, per XXXX XXXX XXXX, Protecting rights and punishing wrongs using fairness. In fact, Procedural due process, is the definition of Justice. Procedural due process, is the principle required by the Constitution that when the state or federal government acts in such a way that denies a citizen of a life, liberty, or property interest, the person must first be given notice and the opportunity to be heard.
Due process refers to one of two sets of rights. The first is substantive due process, which includes rights related to personhood, like the right not to be discriminated against or the right to privacy. The second is procedural due process, which govern how legal proceedings must be carried out. Life, Liberty and Property Interests. Procedural due process may be implicated whenever the government threatens to take a life, liberty or property interest from an individual, such in this case of foreclosure by fraud and denial of due process.
The due process clauses in the Fourteenth Amendment and in Article 24 of the XXXX Declaration of Rights protect an individuals interest in substantive and procedural due process. XXXX v. XXXX, XXXX XXXX. App. XXXX, XXXX ( XXXX ). A fundamental component of the procedural due process right is the guarantee of an opportunity to be heard and its instrumental corollary, a promise of prior notice. Id. ( quoting XXXX XXXX, XXXX XXXX XXXX XXXX, at XXXX ( XXXX XXXX ) ).
XXXX XXXX seeks to represent a class comprised of all persons against whom BROCK AND SCOTT PLLC had, has or attempted to obtain a judgment for an alleged debt in XXXX Courts during the period of time in which BROCK AND SCOTT PLLC was unlicensed. Brock and Scott PLLC has violated Rule 8.4 ( a ), above and beyond the numerous contractual, moral, professional and consumer protection laws. They come to XXXX and violate its citizens with unclean hands for unjust enrichment. We will no longer accept campaign lies, we want protection from predatory leaches that wish to see the country spiral backwards due to greed and belligerence. In the past days, that combination was called Slavery.
It has been recently discovered, the involved entities retroactively attached the mortgage to a securitized trust that was closed and sold to investors in years earlier, and all parties violated have subsequently violated numerous XXXX and Federal law that prohibits fraudulent real estate transactions.
In Sincere Regards, XXXX XXXX XXXX Enclosures Court Dockets XXXX XXXX XXXX & XXXX County XXXX XXXX and XXXX DLLR License XXXX v XXXX Brock and Scott Case Sample XXXX V XXXX Other
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| 07/25/2017 |
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- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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This is a report of conspiracy and mortgage fraud committed by XXXX XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX. In XXXX of XXXX I, XXXX XXXX XXXX ( hereafter Homeowner ), purchased a house located at : XXXX XXXX XXXX, XXXX VA XXXX. On XX/XX/XXXX, Homeowner refinanced his mortgage with XXXX XXXX XXXX ( hereafter XXXX ), a subsidiary of the bankrupt XXXX XXXX XXXX group of companies ( hereafter XXXX ), and signed deed of trust and a Note for {>= $1,000,000}. In XX/XX/XXXX, the original lender XXXX XXXX XXXX ( XXXX ) filed Chapter XXXX in the U.S. Bankruptcy Court for the District of Delaware. In XX/XX/XXXX bankruptcy court in Delaware, approved sale of XXXX XXXX XXXX XXXX. ( XXXX ) to XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ) as part of the bankruptcy liquidation. To conceal the fact of acquisition, the XXXX XXXX XXXX XXXX, XXXX used name abbreviation of XXXX similar to bankrupted XXXX XXXX XXXX XXXX ( XXXX ). But in XXXX of XXXX due to numerous law suits and federal investigations, XXXX changed its name to XXXX XXXX ( principal place of business in Texas ) and, eventually, inXX/XX/XXXX company was acquired by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL. In XX/XX/XXXX, the United States Bankruptcy Court for the District of Delaware approved liquidation plan of eight XXXX XXXX XX/XX/XXXXcompanies including XXXX under Chapter XXXX ( Cases No. XXXX XXXX ). Court specifically requested that servicing rights for the XXXX XXXX XXXX XXXX ( hereafter XXXX ) Portfolio shall be surrendered to XXXX. ( United States Bankruptcy Court for the District of Delaware. Cases No. XXXX XXXX. XX/XX/XXXX. XXXX. ( page 32, 2 ( d ) ( iii ) ). Most of the loans originated by XXXX, were sold into XXXX securitized trusts even before origination or immediately after that. XXXX was a primary trustee for certain type of loans, especially the once with Adjustable Rate and Negative Amortization as the most profitable. But some of the loans were defective in its face with incurable defects. Such mortgage loans were rejected by trusts as they could jeopardies trusts REMIC status ( tax exemption ) according to trust guiding document Pooling and Servicing Agreement ( PSA ). Loans with incurable defects were satisfied and paid off during bankruptcy proceeding. Original mortgage documents were destroyed with permission of the Bankruptcy Court. Notes were paid down or liquidated through one or more reserves including but not limited to overcollateralization reserves, excess interest reserves, or interest rate cap reserves ; or paid down or liquidated through one or more credit default swaps ; or paid down or liquidated through one or more forms of insurance including but not limited to first loss reserves, LPMI policies, bulk and supplemental policies, and XXXX XXXX or XXXX policies, with any such pay down or liquidation not being subject to any right of subrogation against the borrower. The loan, originated by XXXX, was Adjustable Rate Loan with Negative Amortization which was considered to be illegal in XXXX. Just because of that, my monthly payments went up from $ XXXXmonth in XX/XX/XXXXto $ XXXX/month in XXXX, and to {$4200.00} in XXXX. On XX/XX/XXXX, Homeowner contacted XXXX XXXX for the purpose of loan modification. Customer relation specialist suggested to stop making payments for a three-consecutive month in order to establish hardship, mandatory for loan modification. That was a legal trap, set up to catch Homeowner in default. On XX/XX/XXXX, Homeowner received a Notice of Service Transfer letter from XXXX XXXX, informing that XXXX XXXX XXXX XXXX ( XXXX ) is a new loan servicer. Upon receiving the Notice of Service Transfer I contacted XXXX XXXX XXXX XXXX and requested a proof of service. That request was blatantly ignored. A servicer must have Mortgage Servicing Right ( MSR ) from a Lender in order to service loans. MSR is a contractual agreement where the right, or rights, to service an existing mortgage are sold by the original lender to another party who, for a fee, performs the various functions required to service mortgages. After several months of struggling Homeowner filed a complaint with Consumer Financial Protection Bureau ( CFPB ) seeking help in obtaining such proof. No proof of service has ever been provided by XXXX. Instead, XXXX provided a copy of Deed and Note with incurable defects in it. By purchasing XXXX XXXX XXXX XXXX XXXX ( XXXX ) as part of the bankruptcy liquidation, XXXX XXXX XXXX XXXX, XXXX ) / a. k. a XXXX XXXX / XXXX XXXX XXXX legally acquired servicing rights of XXXX customers and their records, except those belonging to XXXX XXXX XXXX and those liquidated and paid off during bankruptcy proceeding. Records of satisfied and liquidated mortgage loans have never been deleted, more than that, alleged servicers kept collecting mortgage payments on mortgages already satisfied and liquidated by court. While Homeowner questioning XXXX servicing rights, XXXX fabricated phantom obligations and chain of titles in order to conceal the unlawful collection of mortgage payments and to initiate foreclosure proceeding against the Homeowner. XXXX fabricated, fraudulently signed and recorded the following legal instruments : Assignment of Deed of Trust dated XX/XX/XXXX, Appointment of Substitute Trustee dated XX/XX/XXXX, and latest Appointment of Substitute Trustee dated XX/XX/XXXX. Fabricated chain of title. First attempt to foreclose on Homeowners property was initiated by XXXX inXX/XX/XXXX. XXXX fabricated the following chain of title : Chain 1. XXXX alleged that Homeowners loan, originated by XXXX, was securitized into Structured Asset Mortgage Investment II TrustXXXX owned by XXXX, but did not provide any documents that proved that a mortgage-backed securities trust had acquired Homeowners Mortgage. XXXX failed to present the Assignment from bankrupted XXXX to XXXX as required by trust ruling document Pooling and Servicing Agreement ( PSA ) ( see Article II, section 2.01 Conveyance of Mortgage Loans ). Further investigation revealed, that Homeowners mortgage loan was not securitized and was not found in the trust Prospectus, filed with SEC and disseminated to the investors. Chain 2. On unknown day of XXXX and seven years after Trust closing date, XXXX allegedly transferred the Homeowners Note to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) as successor-in-interest using an Allonge ( Exhibit 1 ). It is clearly shown of the left upper corner of the Allonge : when recorded mail to : XXXX XXXX XXXX XXXX, thus indicating that purported Note transfer document was prepared after XXXX sent Notice of Default to the Homeowner. That even is legally impossible as PSA explicitly prohibits transferring mortgage loans after Trust closing date. The period of operation for the REMIC Trust was limited to 90 days. Chain 3. On XX/XX/XXXX XXXX, in the alleged capacity of nominee for the long-bankrupt XXXX, assigned Homeowners deed of trust to XXXX ( Exhibit 2 ). Without even disputing legality of the Assignment and right of XXXX XXXX XXXX XXXX ( XXXX ) to assign deed of trust without direct order of the original Lender, XXXX XXXX XXXX ( XXXX ), or bankruptcy court in custody of which Homeowners loan was during bankruptcy proceeding, or bankruptcy court ordering liquidation of the XXXX, fraud carried by XXXX includes, XXXX XXXX : a ) Mortgage assignments with signatures of XXXX XXXX XXXX - a Contract Management Coordinator for XXXX - signing as corporate officers for XXXX that never employed her. b ) Mortgage assignment with forged signature XXXX XXXX XXXX signing on behalf of the grantor. c ) Mortgage assignment notarized by XXXX XXXX also XXXX Employee, and witnessed by another XXXX Employees XXXX XXXX and XXXX XXXX who never witnessed the signatures that was notarized. XXXX XXXX signature does not match her signature on Notrary and Bond Applications ( see attached file ), but nevertheless, was notarized and witnessed. Chain XXXX. On XX/XX/XXXX XXXX with help of default management company XXXX XXXX XXXX, North Carolina, prepared and recorded a false Appointment of Substitute Trustee that appointed Poor Substitute Trustee Ltd to conduct Trustee Sale under the Homeowners deed of trust ( Exhibit 3 ) The Appointment of Substitute Trustee signed by XXXX XXXX - a Contract Management Coordinator for XXXX in the alleged capacity of a Vice President of non-existing corporation XXXX XXXX XXXX and as attorney-in-fact for XXXX. XXXX XXXX Texas Corporation - was dissolved in XXXX of XXXX after being acquired by XXXX XXXX XXXX XXXX. Notary XXXX XXXX stated that XXXX XXXX is personally known to the her in both capacities : as a Vice President of XXXX and as an attorney-in-fact for XXXX. Therefore, no Power of attorney or any verification were required. XXXX never appointed XXXX XXXX in any capacity including Attorney in fact, ( see written response from XXXX on this matter, Exhibit 4 ). First attempt to foreclose failed because XXXX did not offer any alternative to foreclosure, and Consumer Financial Protection Bureau order XXXX to postpone Trustee Sale for at least 45 days. Homeowner filed series of complaint against XXXX for fraudulent foreclosure. Homeowners constitutional rights for fair trial have been routinely impaired by either demurrer or dismissal Pursuant to 12 ( b ) ( 6 ). But dismissal of legal case despite of strong factual evidences does not make crime to go away. XXXX has no intention to stop illegal business and comply with law and orchestrated a second attempt to foreclose on Homeowners property. This time XXXX hired Brock & Scott PLLC with whom XXXX has conducted illegal foreclosures in Florida ( See Forensic Examination of the Real Property Records and the Circuit Court Records, XXXX County, Florida, issued on XX/XX/XXXX, page 160l. XXXX XXXX XXXXXXXX ) Chain 5. OnXX/XX/XXXX Brock & Scott PLLC prepared fraudulent Appointment of Substitute Trustee by which appointed Trustee Services of Virginia LLC as Substitute Trustee ( Exhibit 6 ). As previously, this document signed by XXXX employee XXXX XXXX Contract Management Coordinator- as an attorney-in-fact for XXXX. Needless to say, that no Power of attorney was presented before Notary Public XXXX XXXX, Contract Management Coordinator for XXXX, who certified that Carried Piebe is personally known as an attorney-in-fact for XXXX and therefore no identification ( power of attorney from XXXX ) is required. Affixing or submitting false signatures on a mortgage document is a violation of federal and state law, and those signatures are without authority to complete the transaction. According to a mortgage fraud notice prepared jointly by the Federal Bureau of Investigation and the XXXX XXXX XXXX, submitting false mortgage assignments and forging signatures violates potentially eight federal criminal statutes. Specifically : ( 1 ) 18 U.S.C. 1001 - Statements or entries generally ; ( 2 ) 18 U.S.C. 1010 - HUD and Federal Housing Administration transactions ; ( 3 ) 18 U.S.C. 1014 - Loan and credit applications generally ; ( 4 ) 18 U.S.C. 1028 - Fraud and related activity in connection with identification documents ; ( 5 ) 18 U.S.C. 1341 - Frauds and swindles by mail ; ( 6 ) 18 U.S.C. 1342 - Fictitious name or address ; ( 7 ) 18 U.S.C. 1343 - Fraud by wire ; and ( 8 ) 18 U.S.C. 1344 - Bank Fraud. See FBI Mortgage Fraud Notice ( available at XXXX : XXXX ) ; see, also, Truth in Lending Act, title XXXX of the Consumer Credit Protection Act, as amended, 15 U.S.C.
False or fraudulent notary acknowledgements are also a violation of Florida law, and the underlying signature is void. Florida Statute 117.05. ( See Exhibit 5 : Conclusion of Investigation on Notary Public XXXX XXXX ). Commission of fraud, misrepresentation, or any intentional violation of this chapter, and also lie under oath on XXXX XXXX and XXXX XXXX side, and fraud and abuse of power from XXXX XXXX, XXXX XXXX, and XXXX XXXX, which is a felony pursuant to 18 U.S.C.371 1001, 1011, 1018 ; 18 U.S.C.PART 1 CHAPTER 63 1341-1349. Last friday Homeowner spoke with XXXX customer relationship manager complaining that since XXXX of XXXX XXXX ignors my numerous requests for loan modification. XXXX representative instructed how to download a loan modification package saying that XXXX 's software restricts Homeowner 's account from modification or any other alternatives to foreclosure. Homeowner downloaded and submitted a modification package on XXXX XXXX. No acknowledgment of receipt receive from XXXX. Brock & Scott in response to Debt Verification Letter sent misleading and false information about the Homeowner 's creditor ( see attached VOD AND Brock & Scott response ) Brock & Scott informed in writing that Trustee sale is scheduled for XX/XX/XXXX, whereas placed classified ad informing about sale on XX/XX/XXXX ( see letter and classified ad ).
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| 02/18/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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On XX/XX/XXXX, I was issued a Summons by XXXX XXXX XXXX XXXX XXXX ( XXXX ), Brock & Scott PLLC seeking a judgment for a XXXX Credit card debt filed in the State of South Carolina XXXX of XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), Brock & Scott PLLC made several violations in violating the Fair Debt Collection Practice Act, and the Privacy Act in the filing of the Summons by submitting an exhibit to the Court of my expired XXXX Professional License with my attached photo along with a document displayed with my name listed as a XXXX XXXX XXXX XXXX XXXX that is electronially displayed online. Thus, violating my privacy.
rights and civil rights.
Also, I was sued without being properly notified of the lawsuit.
Attached with the Summons at the Court House electronically displayed online is a documentation of my expired XXXX Professional license with my attached photo along with a display document of my name listed as a XXXX XXXX XXXX XXXX XXXX. My photo is not redacted/blocked out, which personal information is supposed to be redacted. My privacy rights are being violated. This violation puts me at risk for identity thief and fraud etc.
In addition, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), Brock & Scott PLLC did NOT obtain my XXXX professional lisence with my attached photo from me, which they deceptively, falsely, misleadingly misrepresented my XXXX professional licence in connection with the collection of the debt by submitting it to the Court as a document. Submitting my expired license with my photo to the Court like I killed someone.
XXXX XXXX XXXX ( XXXX ) XXXX XXXX, Brock & Scott PLLC, and the XXXX XXXX XXXX House violated my privacy rights. My photo should have been redacted/blocked out. They all put me at risk for identity thief and fraud etc.. My personal information ( professional license with attached photo ) should not be displayed online.
I'm not sure how XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX or Brock & Scott PLLC obtained my XXXX Professional license with my attached photo, which my professional license were issued on XX/XX/XXXX and expired on XX/XX/XXXX and couldn't have been in used to obtain the XXXX Target Credit Card. The way how my XXXX XXXX license is displayed in the photo, my professional license is NOT public information. I attached my photo to that professional license along with the XXXX XXXX XXXX XXXX XXXX document like that to be submitted to the SBA XXXX Small Business Administration ) when I applied for the XXXX XXXX and XXXX in XXXX or XXXX. I'm not sure if the XXXX used XXXX Bank XXXX to issue the funds for the XXXX proceeds that I received or if the XXXX have my personal information public.
I never submitted my XX/XX/XXXX - XX/XX/XXXX ( expire ) Professional License to Target Enterprise In. ( TEI ), XXXX XXXX XXXX nor Brock & Scott PLLC. My XXXX Professional License were not used at the opening of the XX/XX/XXXX XXXX credit card to obtain credit and should NOT be used as an exhibit in XXXX in an attempt to collect on a bad debt without proper documentation.
On Thursday, I was contacted by a XXXX XXXX. I went online to the Court, discovered the Summons and document of my expired professional license with my attached photo online.
On Friday XXXX, XXXX. I contacted Brock & Scott PLLC about the exhibit document of my expired XXXX Professional license with my attached photo displayed electronically online at the Court House along with the filing of their lawsuit on behalf of XXXX XXXX XXXX, the representative spoke with the Attorney who denied that Brock & Scott PLLC submitted my expired XXXX license to the Court as a document in an attempt to collect on the bad debt. The representative said, " He don't believe XXXX XXXX XXXX or XXXX would do anything wrong by falsely submitting my expire XXXX license to the Court ''. While speaking to the representative on the phone, the XXXX XXXX tried to serve me without all of the documents that were filed with the Lawsuit because they knew they had error with submitting my XXXX expired license to the Court. By law, ALL Court documents are to be serve that were filed/clocked in!
I also on Friday, XX/XX/XXXX, I emailed Brock & Scott PLLC about submitting.my expired XXXX professional license with my attached photo to the Court as a document violating my privacy rights.
Also, the Civil Processor tried to serve me without identifying who I was, he threw the documents on the ground and left. On XX/XX/XXXX, my house was a total loss due to a house fire. The house is inhabitable. I don't live at that address. I was sitting in my car in the driveway when the Civil Processor showed up and threw the documents on the ground not knowing or asking who I was. I was not properly served the Summons and the Summons were left on the ground.
XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, Brock & Scott PLLC falsely and deceptive place my XXXX professional license attached with my photo in the Court as a document for the Target credit card debt. In doing so, XXXX XXXX XXXX ( XXXX ), XXXX Bank XXXX, Brock & Scott PLLC violated my privacy rights by electronically displaying my photo and personal information online and deceptively violated the Fair Debt Collections Act.
XXXX XXXX, XXXX XXXX XXXX ( XXXX ), Brock & Scott PLLC continues its abusive practices toward consumers by not protecting personal information and deceptively violating the Fair Debt Collections Act.
Brock & Scott PLLC filed this lawsuit and submitted the document of my expired XXXX professional license with my attached photo! As of Friday, XX/XX/XXXX, my expired XXXX license with my attached photo have been removed from the Court records as it was clocked in with this Summons.
On Friday, XX/XX/XXXX, Brock and Scott PLLC attempted to collect funds on the bad debt when they know they violated my privacy rights and violated the Fair Debt Collections Act. I also asked Brock & Scott not to call my cell but I continue to receive harassing phone calls constantly throughout the day.
My business was affected and suffered by CoVid. Now, I'm suffering from a house fire. The house fire was a traumatic experience, which also made me unemployed etc.
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| 03/19/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2020 the XXXX County Georgia Sheriff 's Office attempted to serve me with a civil suit filed by Brock & Scot , PLLC. Nobody was home at the time so I went down to the station and requested the filed documents. A Sheriff took my ID and served me with the documents. I reached out Brock & Scott to ask about it and they did not have any real answers to where the debt came from. It was strange that I had never been contacted by this company before they just sued me. There was never a phone call or mail correspondence from them. Just a lawsuit out the blue. I felt as if this was an act of intimidation and fraud.
On XX/XX/2020 I typed up a debt verification letter requesting that the verify that the debt belonged to me. In the letter I requested that they provide me with the following documents pursuant The Fair Debt Collection Practices Act ( FDCPA ). I did not refuse to pay the debt at the time, I merely made a statement to dispute the claim and demanded validation.
( 15 USC 1692g Sec. 809 ( b ) ).
I requested the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent On XX/XX/2020 I sent the letter dated XX/XX/2020 via certified Mail to Brock & Scott PLLC in XXXX North Carolina and I was noticed that it was received by them a few days later.
I received a letter from Brock & Scott PLLC dated XX/XX/2020. The letter included 51 pages of credit card statements, but they did not provide me with any of the information to validate the debt. Nothing with a signature, and No copy of agreement to validate the debt. The correspondence is an attempt to start the 30 day response period back as they continue to try intimidate and bully me.
On XX/XX/2020 in a letter that I typed up, executed and had notarized, I have given Brock & Scott PLLC a second chance to provide proper validation of the debt. They have not done it thus far and I do not feel as if it fair for them to be able to have another 30 days to send me another letter to continue to try and intimidate me and continue to damage my name and credit report.
After doing some more research I have learned that they are in violation of the law already : In the letter dated XX/XX/2020 I am requesting the following immediately.
1. The name and address of the organization or other agency alleging a debt ; 2. The name and address of the person or persons in that organization or other agency alleging a claim of a debt ; 3. The name of the actual creditor even if that is myself ; 4. The origin of the funds used to create this alleged claim of a debt 5. The actual records of the organization or other agency showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.
6. The actual records of the organization or other agency with a live signature on any and all document/instrument ( s ) used to allege the existence of a credit card account or debt from the organization or other agency to myself or anyone else by a similar name.
7. The actual records of the organization or agency s
howing that an actual credit card account was opened from the organization or other agencys own funds that resulted in the enclosed alleged claim of a debt.
8. Be advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.
9. The actual records of the organization or other agency showing that an honest disclosure of facts relating to the alleged credit card account was made by the organization or agency in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.
10. The actual records of the organization or other agency showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other agency against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt 11. The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.
If they can not provide the following I want them to request that this lawsuit be dismissed immediately and to erase any and all reporting to all three credit bureau.
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| 01/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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I have written your office before about a wrongful foreclosure and have been working this on my own due to cost. The New York attorney generals office advised me to contact your office and inform them of what assistance I receive. Concerning this foreclosure action violations of Judicial Law 487,28U.S.C. 455 ( a ) and 28 U.S.C. 144 have occurred in the XXXX County Clerk of Courts and Superior Courts office. Fraud upon the court is evident and the words of Superior Judge XXXX make that clear. Judge XXXX allowed XXXX XXXX attorney, XXXX XXXX of XXXX XXXX to switched evidence changing the Promissory Note submitted into evidence before the court in the Clerks hearing as the " original note '' and to a " new Promissory Note '' submitted in Judge XXXX trial court hearing as the " original Promissory Note '', the notes are different, while both are fraudulent, one is redacted the other has removed the redactions but still shows evidence of tampering which is misrepresentation and fraud. The fact of the matter is you can not have two different promissory notes as an original, or certified true copy, this is fraud upon the court. We have copies of both sets of documents that were presented into evidence and shown to Judge XXXX. Judge XXXX on the 2nd day of our appeals hearing informed us that " this is a new trial and any errors or mistakes made in the clerks office are forgotten ''. This violates due process by constitutional amendments XVI and VI respectively and in-acts the due process clause. This has the effect of not allowing the Plaintiffs proper notification before a trial, as he states this was a " new trial '' not the appeals hearing we paid a bond for and had prepared our evidence to address, while suppressing the evidence of the Plaintiffs to benefit the Defendant ( the lender ) by failing to review the fraud upon the court committed.
To add further insult to injury Brock and Scott is now moving to sale my home on XX/XX/XXXX based on fraud upon the court and this fraudulent documentation they sent us which makes the courts order to foreclose void. The clerks office knew that on XX/XX/XXXX the Lender, XXXX XXXX and XXXX XXXX XXXX XXXX had failed to appear yet allowed them to send Attorney XXXX XXXX to the hearing to try and deceive the Plaintiffs into thinking she was the Trustee when she is in-fact a stranger to the proceedings in an attempt to appear before the court that the Lender and Trustee had appeared when they had in-fact defaulted. We asked for a dismissal as this was an unfair and deceptive trade practice, and fraud upon the court, this was after 3 years of continuances by the Lender ( none by the Plaintiffs ) the Clerk refused to hear our motion to dismiss, walked into a room across the hall where we could see him and appeared to make an ex-parte phone call. The clerk returned to the hearing room and informed us he " had '' to give the Lender one more chance to appear and forced us to return for a hearing on XX/XX/XXXX, this is a gross violation of the due process clause. The clerks own continuance states the Lender directed this hearing was " canceled and on hold '' and it appears the clerk operated in a biased manner under the direction of the Lender. The clerks actions violate Judicial Law 487,28U.S.C. 455 ( a ) and 28 U.S.C. 144 which call for his recusal and void any judgments or orders by him according to the law. It is this same clerk that gave the order to foreclose on XX/XX/XXXX The fraudulent markings on the Promissory Notes are clear when personally inspected and Judge XXXX own words acknowledge that " errors and mistakes ' were made. However, these errors and mistakes he refers to are violations of laws, constitutional amendments XVI and VI and the due process clause. A valid legal decision can not be based on Fraud upon the court and bias of the officers of the court in favor of the Defendant/Lender. I am waiting for the certified transcript of the hearing I ordered as I believe it makes the actions/bias of Judge XXXX clear, which require him under Judicial Law 487, 28U.S.C. 455 ( a ) and 28 U.S.C. 144 to recuse himself and invalidates any judgments or orders he gave.
We are determine to continue our fight until justice prevails, you can not make a legally valid judicial decision when fraud upon the court is at the heart of it. We are seeking your assistance in righting this wrong.
Respectfully, XXXX and XXXX XXXX
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| 12/05/2019 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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Have been dealing with the law offices of Brock & Scott for my uncle since XXXX and still no resolution. Here is the initial complaint and the details of the situation. I have been dealing with the managing attorney XXXX XXXX and still no resolution.From: XXXX XXXX Sent: XXXX XXXX XXXX 2019 XXXX XXXX Final Communication to XXXX XXXX:Ok I will advise my uncle to be prepared to go to court and retain council if needed. It’s unfortunate that your client is refusing to accept the XXXX settlement offered. I have already provided the proof he is on social security and also provided proof your process server was in the wrong by misrepresenting himself as an XXXX delivery man. I have asked for the status of my uncles case and you are not answering my question and giving vague and misleading answers to me stating “if the your firm chooses to file a motion” then my uncle will receive a letter. This answer is not clear. I will continue to be involved throughout this whole process because I will not allow my elderly uncle on social security to be taken advantage of. If your client chooses to accept the offer let me know if not we will do what we have to do on our end to make sure the process sever and your firm is handled accordingly to the fullest extent of the law.Kind regardsXXXX XXXX XXXX XXXXFrom: XXXX XXXX Sent: XXXX XXXX XXXX 2019 XXXX XXXXTo: XXXX; XXXX; XXXX; XXXXCc: XXXXSubject: RE: XXXX XXXX Ref#XXXXHelloI am following up on the conversation I had with your firm representatives yesterday XXXX19. My uncle XXXX XXXX Ref#XXXX gave your representative XXXX XXXX authorization to speak to me on his behalf.After speaking to XXXX, I explained to her that the process server that served my uncle did not act accordingly and misrepresented himself as a XXXX package delivery driver for him to come out and answer the door and then he served him. I asked her for the affidavit of service but it was not available in your system. I also requested the application and charges so I can familiarize myself with this case. She mentioned to me it was charged off and our firm received the claim in XXXX2019. I asked to speak to an attorney with your firm and she said she is not allowed to transfer my call to an attorney because I was not an attorney? My uncle is elderly and on social security and does not have the funds to pay this at this time. He is very upset with how this whole situation has unfolded and is scared he will go to jail. He actually went to the doctor yesterday and is not in good health. I refuse to see him go through this and be taken advantage of because he is elderly and does not know how to handle this. This is why I stepped in because I am familiar with the legal remedies and know for a fact he is exempt and judgment proof because he is a on social security and is not in good health. I offered to send his social security award letter and XXXX said this is not necessary at this time. I would like to know if your client is going to move forward with seeking a judgment when I have advised your firm of his hardship? I then was transferred to your supervisor XXXX XXXX. She explained the same to me as the previous representative and also refused to transfer me to an attorney said because also I am not an attorney. She explained the affidavit of service should be scanned in your system by XXXX and for me to call back. She said she would flag account as hardship and for me to call back. I explained to XXXX that I am willing to pay this off for a couple of thousand dollars to help my uncle and the last thing I want to do is make any complaint to the Consumer Financial Protection Bureau, Attorney general or XXXX XXXX XXXX for the way this process server acted and misrepresented himself. I also requested for your firm to file a stipulation to discontinue this action because of this hardship and XXXX did not respond to my request she just moved along like she did not know how to respond to my request. I also think you should review your firm policy when someone asks to speak to an attorney the call should be transferred to one. I am the direct contact on this for my uncle and would like a call back to see how your firm plans to proceed on a case where my uncle is ill, on social security and has no means to pay this.Thank youXXXX XXXX XXXX XXXX
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| 07/21/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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Previous Complaint filed received this response from the attorney filing suit : " The Firm thereafter received this complaint. In response to the Complaint, the Firm states it complied with 15 U.S.C. 1692i when it filed suit in the County where the Consumer resides. Notwithstanding the Consumers argument to the contrary, once the Plaintiff has filed suit in the appropriate venue, nothing under the foregoing section mandates in which Court division the Plaintiff must file suit ; therefore, the Plaintiff may proceed in State Court. Furthermore, the record reflects that the Firm responded to the Consumers validation demand with original account-level documentation supporting the debt owed to the creditor in the amount claimed. Therefore, the Consumer has failed to support her complaint, and the Firm requests that the Complaint filed with the Consumer Financial Protection Bureau be closed. '' The attorney is representing a XXXX Corporation in the state of Georgia and under OCGA 14-2-1502 in order to have a proceeding in state court the corporation must have a valid certificate of authority. b. The Georgia Code, specifically OCGA 14-2-1121, states that a foreign corporation ( a corporation formed under the laws of another state ) that transacts business in Georgia without being properly registered or authorized may be denied the ability to maintain a lawsuit, defend a lawsuit, or enforce any rights in the state. The attorney is refusing to show standing in court, and violating the law by not showing her status and authority as an attorney for this foreign corporation. She must validate her status as a debt collector as stated in her communications with the alleged debtor and claiming attorney client privilege when asked to provide proof that she is authorized to represent XXXX XXXX XXXX XXXX, XXXX. as required by a board of directors authorization letter. In addition, XXXX XXXX XXXX XXXX, XXXX. is also not permitted to hire a private law firm like Brock & Scott, PC. Under 12 USC 3102b, the Comptroller of the Currency conditioned their operations, by mandatory appointment of " Attorney in Fact '' to the Comptroller. The exclusive jurisdiction for any " Banking Corporation/National Bank '' is found under 12 U.S.C. 632. ( 1 ) The repayment of the extension of credit, or the performance of any promise given in consideration thereof, would be " unenforceable '', through " civil/judicial processes '' against the debtor. ( See 12 U.S.C. 632, no court action in the state courts allowed. ) The proper venue and jurisdiction of XXXX XXXX XXXX XXXX, XXXX. is in Federal District Court, not a Georgia State Court.The " Service of process '' that is who one any litigation, as " attorney in fact '' so all these suits initiated by " private law firms '' is worthless, these entities do not have standing, they waived it as a condition to conduct banking. XXXX XXXX and/or any attorney at Brock & Scott , PC would not be able to withstand this Attorney Authority Challenge under O.C.G.A. 15-9-7 and verify that XXXX XXXX XXXX XXXX XXXX XXXX XXXX in fact hired their firm to represent them in this matter. This attorney has refused to provide proof that she is a licensed and bonded debt collector under Georgia and Federal Law and is refusing to prove she is actually authorized to represent XXXX XXXX XXXX XXXX. Attorney Client privilege does not cover employment or representation proof just communications that would need to be kept confidential. This law firm and attorney are acting outside their authority and violating the law by not filing this suit in the proper venue on behalf of her supposed client - a foreign national bank registered in the state of New York and without an trade name registrations necessary to maintain litigation in a state court in Georgia.
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| 08/09/2016 |
Yes |
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- False statements or representation
- Impersonated an attorney or official
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Web |
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A law firm, Brock & Scott , PLLC, based in XXXX XXXX, Florida. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX. ( XXXX ) XXXX. This firm apparently specializes in Debt collections. In XXXX, XXXX, I received XXXX letters, printed with their letterhead, looking very lawyer like, anyone, including myself who has received my fair share of lawyer demand letters. I must reveal a bit of private, protected information about myself. I am a XXXX person, I am well educated, I had to self-represent in XXXX, where for the past 10 years I have suffered judicial and attorney abuse and given no Rights whatsoever, I could n't make it up. I will file a separate complaint for fraud under color of the law. It may be out of your jurisdiction you may think, but a XXXX person is an easy target for exploitation and abuse. A protected, supposedly, class can be a victim of Fraud in any setting. I am XXXX, possibly XXXX. I My condition is XXXX. But, I have studied essentially all the major areas of the XXXX, specializing in XXXX. Back to the complaint at hand. First off, I am in this position due to illegal actions by my private XXXX insurer, XXXX. A separate complaint will be filed. I had no money from XXXX, XXXX until just recently. I applied For XXXX and XXXX in XXXX, XXXX. A 's of today I am still waiting. 18 Months. The SSA Act is meaningless to the SSA. They have deprived me of entitlements I paid into for 35 years. They have destroyed my Civil Rights. I may file a Federal lawsuit for violations of Title VI of the Civil Rights Act of 1964. Sorry I get off point. Its the XXXX.
This Law firm, I believe, Has committed textbook misrepresentation, false claims, and Conspiracy to Extort money through Malicious False Representation and Scheme to Defraud through Egregious, Deceptive Fraudulent Misrepresentation of Foreclosure Procedural Law. Mitigating Circumstances is the fact that this heinous, illegal collection tactic was targeted at one of society 's most vulnerable, the XXXX. In that letters, received in XXXX, XXXX, the law firm claimed that XXXX XXXX had retained them to file a foreclosure action. The letter looked legit, the word Foreclosure was presented in Bold type. In the letter, it states clearly that a " foreclosure action has been initiated. '' An average citizen would absolutely believe that this letter from a law firm, on their letterhead, was part of a legal action to Foreclose, causing much fear and anxiety. It was used to illicit fear, an underhanded ploy to extort money. Fortunately, for me, I knew immediately it was a lie because I had never been served with Court Docs. They attempted, with full knowledge, to play on the fears and anxiety of this XXXX person. I Believe this law firm has not just violated the FDCA, but also my Civil and Constitutional Rights Under the XXXX, since the mortgage is most likely connected to XXXX or other government agencies, these parasites also violated the Federal False Claims Act, Engaged in Conspiracy, Conspiracy to Defraud a XXXX Adult, Conspiracy to commit Extortion, Falsely Misrepresenting the Court with respect to Foreclosure Law. They attempted to violate my 1st, 4th, 5th, and 14th Amendment Rights. State wise, they violated Florida 's CCPA, Florida 's Unfair and Deceptive Trade Practices Act. I Am Counting on the FTC to enforce the laws prescribed by Congress. You must send a message that the exploitation of the XXXX will not be tolerated in any way. A {$1000.00} fine is not acceptable. That is no deterant to change behaviour. These people prey on the weak, the vulnerable. I pray you will take this seriously. I am in this position due to being a victim of fraud. I am a victim of circumstance. BTW, I was served with actual Foreclosure in XXXX.
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| 01/13/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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A line is now drawn in the sand in reference to alleged Loan # XXXX The above-referenced loan from inception involved what is proving to be a long list of fraudulent misrepresentations, mortgage fraud, both actual and constructive fraud, forgery, identity theft, federal false claims, extortion, deception, slander of title and the list could go on. Despite the concerted efforts to conceal the fraud involved in the transaction identified by the alleged loan identified above ( # XXXX ) the true facts, nature and intent of XXXX and its successors are emerging.
XXXX XXXX XXXX, XXXX and its related subsidiaries, XXXX XXXX XXXX XXXX, the FDIC, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX XXXX as successor in interest to XXXX XXXX and as XXXX XXXX XXXX, and its related subsidiaries. Most noted subsidiaries of XXXX XXXX XXXX, specifically is XXXX of XXXX, OH XXXX and XXXX XXXX XXXX and now XXXX have all participated and profited in various ways and at various times in my more than XXXX year long struggle to survive the deception an outright extortion as the following statements of fact and the attached supporting documents will show.
FACTS : 1. The contract ( ID # XXXX ) that XXXX XXXX XXXX, XXXX has proffered to XXXX, and all other Successors and Assigns, was rescinded in writing XX/XX/XXXX.
Written notice of rescission sent, received and acknowledged by XXXX XXXX XXXX XX/XX/XXXX. Rescission was based upon fraud. XXXX manufactured a means to create a default by increasing a fixed rate mortgage payment from {$800.00} and change to over {$1300.00} and change and stated it was because of a sudden increase in property taxes. Six years of property tax records did not reflect any increase. That followed by misapplied payments and the refusal to return my nearly {$60000.00} down payment along with the threat of foreclosure. This was all within the first year.
2. I purchased a Homeowners title insurance policy from XXXX XXXX XXXX. I have tried. Although I have provided by certified mail many times copies of the policies and the written request for the closing file to determine who received my money and who else needed to be contacted to request the funds be returned. I have received several letters acknowledging receipt of the request and asking that I allow 30 - 60 days and it never comes. I have on occasion had representatives of XXXX XXXX to tell me verbally that information requires a subpoena and that I must sue them to get that kind of information. I have a letter from XXXX XXXX in response to one of my written requests stating that XXXX XXXX does not keep closing files. XXXX XXXX takes a great deal of pride in their '' XXXX ever-expanding, XXXX land-record database that allows them to retrieve and complete the most complex mortgage files '' for the BANKS. What of the consumers who purchase their products?
3. The FDIC would not entertain a claim being filed by a homeowner when I made contact with their office after XXXX went into receivership for their misconduct.
4. XXXX did help to bring a small piece of XXXX XXXX XXXX 's misconduct to light. XXXX provided written confirmation again as they did in XX/XX/XXXX the acquisition date from XXXX XXXX XXXX, XXXX was XX/XX/XXXX. This proves that XXXX XXXX XXXX did not acquire ownership of the mortgage or note in XX/XX/XXXX to assign ownership to anyone. There had been no filings UCC, Deeds or otherwise since XX/XX/XXXX other than my acceptance of the XXXX Deed that I paid for with my own money.
5. XXXX willfully and knowingly filed those fraudulent assignments in an attempt to facilitate another fraudulent foreclosure using the newly created loan out thin air from XXXX. continued on attachment
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| 12/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Violation of Georgia 's Residential Mortgage Fraud Act, violation of the FDCPA, and various criminal statutes of GA including but not limited to : O.C.G.A. 16-4-1 CRIMINAL ATTEMPT O.C.G.A. 16-10-20 FALSE STATEMENTS AND WRITINGS, CONCEALMENT OF FACTS, AND FRAUDULENT DOCUMENTS IN MATTERS WITHIN JURISDICTION OF STATE OR POLITICAL SUBDIVISIONS O.C.G.A. 16-8-16 THEFT BY EXTORTION O.C.G.A. 16-8-3 THEFT BY DECEPTION Please see the following. I can not get an answer from these people.
XXXX : I am disputing the validity of the current debt you claim that I owe.
Again, please treat this letter of dispute as a " QUALIFIED WRITTEN REQUEST, NOTICE OF ERROR, AND A REQUEST FOR INFORMATION '' per the same statutes listed in my previous letter stating the same to both your office as well as your clients. I did receive the acknowledgement on XX/XX/XXXX, but have yet to receive the response. Will this be a repeat of your offense of violating the FDCPA, and Slander of Title by posting our home for foreclosure for XXXX which XXXX would not accept.
Notice of Error, Request for Information, and Qualified Written Request : 1. Written notice to XXXX and written response from XXXX stated they transferred the servicing of a XXXX remaining balance on the allege loan transaction identified by # XXXX balance to XXXX. Why have you sent me a letter again threatening to foreclose on my home for {$130000.00}? This is a HUGE ERROR. Please send a detailed list and not a computer printout of codes that explains every dollar that exceeds XXXX. Really? {$130000.00} in miscellaneous fees?
4. Who was the original lender of Loan XXXX?
5. Who was the previous servicer of Loan XXXX?
6. Provide certified copy of note, deed of trust, or whatever legal contractual document that you poses signed by me for Loan XXXX which includes a Power of Sale Clause and a lien on the above listed property address.
7. Please provide the full name, address and telephone number of the actual entity that funded the transaction with identifying loan number of XXXX.
8. For the record. Loan Transaction # XXXX was rescinded XX/XX/XXXX for fraud. That transaction was rescinded in writing and received by XXXX XXXX. Fear and the crime of extortion and a true criminal act of concealment have forced me to pay for the last 10 years on the only contract allegedly linked to my home and that is # XXXX. Loan numbers are determined by creditors and are unique. Loan numbers identify specific contractual agreements. This is a very dangerous circumstance, to have a contract generated and tied to your property without your knowledge. Statement is fully supported by 12 CFR 1026 ( Regulation Z ), which by the way is just one of many regulations violated by your clients ( XXXX ) with respect to this loan they have created from thin air.
The only transaction ( # XXXX ) related to the above referenced address that was to be serviced by XXXX had a stated remaining miscellaneous balance of {$28.00}. XXXX of Congressman XXXX 's office called XXXX on XX/XX/XXXX at approximately XXXX and conferenced me in while I was at my work and XXXX stated they will not accept a payment from me with ID # XXXX, which made no sense. XXXX, when I called and spoke with your office on XX/XX/XXXX to verify that your office received the dispute to this Loan previously your response through your Representative XXXX was one of pure fiction. You stated that my response to your XX/XX/XXXX notice was 11 days late and that I was not entitled to the validation of the debt. My response to the notice was sent certified mail and was received on XX/XX/XXXX and not even three days later the notice for power of sale post marked on the XX/XX/XXXX. You did not validat
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| 02/24/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XX/XX/XXXX I went to XXXX XXXX XXXX to open a auto loan account so I could transfer my auto loan from my credit union to a local bank.The banker pressured me that I should open up a checking account, savings account, credit card account, and even apply for a mortgage because my credit score was solid. I told the banker more than once I didn't need a credit card or a mortgage but I was interested in a checking and savings. He continued to insist that I apply for a credit card over and over again. At this time I was unaware of the scams, fraud, and illegal actions XXXX XXXX had conducted on their customers. I agreed to the credit card. The credit card was also opened on this date. Within a year I fell on hard times and my credit card was closed. When the account was still opened I contacted XXXX XXXX several times trying to work out a payment arrangements. They were rude and unwilling to negotiate. What they wanted was a monthly payment that would have came close to 1,000 a month. I couldn't afford that as a single person, so the legal services department who I spoke with told me " wait and let it go to collections and they will work with you.
Now, on XX/XX/XXXX, I receive a Writ of summons in the mail telling me I need to appear in court on XX/XX/XXXX for a money judgement for the credit card in the amount of {$6600.00}. I now question if this credit card was legitimate from the beginning for the following reasons. First, the papers within the court documents show the store copy of the credit card account with my signature. Yet, the only thing I electronically signed for was the checking and savings account or so I thought according to the banker. In the bottom corner it states an agreement would be mailed to the customer. I never received anything in the mail with my copy. Again, I never received any papers in the mail for the credit card with my signature on it. I can verify that I have a copy of paperwork with my signature on it for the checking and savings, however I have no copy in my possession with the credit card account number on it with my signature. In fact, I never even received a contract even though these papers appear in the court document ; that I allegedly breached my contract. How can I breach something that I never had in the first place? I have retained evidence of every single paper I was given from that date of XX/XX/XXXX even the exact paper that the credit card itself came on when it was sent in the mail. On XX/XX/XXXX I called legal services at XXXX eastern standard time. I have call records to prove it. The lady told me " I could make an initial payment with them and then make arrangements with the the debt collector to make recurring monthly payments, or I could also make the initial payment with them ''. Typically, when a debt collector collects a debt the debt is written off from the bank for a profit. Therefore, they are attempting to collect on a debt that they should no longer have anyway. This would be a scam if I would have freely made a payment with the legal services department. I question the legitimacy of this as well. Did Brock & Scott Firm really buy the debt? If they did XXXX XXXX is running a scam. I do not believe I owe XXXX XXXX any money because I do not believe the account was opened legally. I believe the only reason Brock & Scott Firm placed a complaint is because the statute of limitations to sue is coming to a close very soon. The credit card was closed XX/XX/XXXX. Now suddenly 3 years later they have decided to file a lawsuit? I will soon get rid of banking with XXXX XXXX entirely. They are the worst bank I have ever encountered.
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| 12/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
Servicemember |
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I am a service member whom was never given the opportunity of saving the home nor being saved from eviction. I have worked tirelessly with XXXX XXXX, XXXX, and XXXX in the past to try and obtain a modification or to save my property. The final outcome was that the bank foreclosed on the property to also make claim to a property that was paid for by myself towards the original owner. I have receipts and copies of all the transactions as well as the copy of the deed that was transferred to me after the final payment back on XXXX of XXXX. I have never been given any assistance in rights nor fair treatment in fact everyone has been making it difficult in giving me answers or explanation about the matter. I feel that me and my family have been bamboozled out of our home after making efforts and contact of willingness to pay even on the property that I had purchase and been given a deed to. The deed was stated to be done inappropriately by the means of the bank attorneys Brock and Scott out of XXXX South Carolina. I have also contacted them and they have no sympathy nor compassion to assist me in trying to get their client to work out an agreement. I spoke with a XXXX XXXX from the firm several times and she could only advise that she would make an attempt but felt that there was nothing that could be done. I since have tried to find every avenue in keeping the home before being evicted. I was even advised by XXXX from Brock and Scott that they did not need an eviction hearing due to the county that I am in. And that they had the right to put me and family out without me showing rule of cause of why I should remain in the home. I petition to have the attorney XXXX XXXX to contact me from Brock and Scott in which he never has since I spoke with him after being hospitalized the day of auction when they sold. I felt that Brock and Scott worked to undermine my ability at the time I was hospitalized and away as well as discredit my service as a military member. They have never given or advised their client in my opinion about the rights that I should have had as a consumer. Also the firm utilized their own search of military XXXX XXXX terms, in which I have provided a copy. They also did not take into consideration about the purchase of the property originally and the agreement. But merely wanted to hold law suit against the attorney in whom they advised made a mistake on which property should have had the lien. However I have receipts and evidence and a deed recorded showing that my property was intentionally purchased back in XXXX of XXXX and that the property of the lien went on land purchase and a home that was not structurally sound at the time. Back in XXXX XXXX the home was loss and the property even showed by the insurance company that their was not lien on it. I feel that I have not been given the opportunity to ever be given a chance at obtaining my home nor was my money that I paid consider as a form of purchase. Brock and Scott acted and stole on behalf of the bank my property. I feel that a great injustice has been done to an american soldier right here in her own country. I need my story to be told and heard nationwide of what these banks are doing and their attorneys that they are sending out as XXXX against the people in our communities. I need justice.
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| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Company is in violation of 15 USC 1692, after numerous attempts of sending debt validation letter on XX/XX/2022, XX/XX/2022, and XX/XX/2022. Information was not properly validated. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions .Company is in violation of 15 USC 1692 as well as 15 U.S.C 1681 section 602 A.
1.The Truth in Lending Act is intended to inform consumers about the cost of credit.
2.The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.
3.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692 ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection or any debt.
4.Affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose or acquiring location information about the consumer shall not state that such consumer owes any debt.
5.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any.
6.The Truth in Lending Act is intended to inform consumers about the cost of credit.
7.The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.
8.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.
9.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692 ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose or acquiring location information about the consumer Shall not state that such consumer owes any debt.
10.Affiant is aware and has proof in attachment labeled as exhibit A that corporation name violation of 15 USC 1692 . ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication affected by the mail or telegram that indicates the debt.
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| 11/30/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am filing this complaint as the Representative of the Estate of my mother. She obtained a mortgage loan in XXXX XXXX with XXXX XXXX in the amount of {$160000.00} for her home.
She fell behind on a few payments and requested a loan modification. According to questionable documents, the loan was modified in XXXX for {$200000.00} which is excessively more than the original note. Also the signature was questionable on the loan modification which lead me to have an expert forensic examiner exam the signatures. He concluded that my mother most likely did not sign the modification although it was notarized. I do not dispute that my mother agreed to some type of modification at some point but I strongly disagree that it was for the amount of {$200.00}, XXXX. Also the modification was signed XX/XX/XXXX. My mother XXXXXX/XX/XXXX I visited the notary. Although she could not remember my mother specifically she was 100 % sure that she did not visit anyone in the hospital to notarize a document. I can prove that my mother was in the XXXX XXXX on XXXX XXXX, XXXX and was not XXXX enough to sign the modification.
The loan was sold multiple times. After my mother XXXX in XXXX, we made an attempt to refinance the loan with XXXX XXXX XXXX. After they produced the payoff amount, we disputed this amount. After no real answer from XXXX XXXX XXXX my father stopped making payments. XXXX XXXX XXXX attempted to foreclose but the foreclosure was dismissed when I requested an accounting record for the discrepancy of the loan amount. XXXX XXXX XXXX sold this loan to another investor.
At this present time, the loan is owned by XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX which hired an attorney to foreclose on an outstanding balance of now approximately {$330000.00}. The Loan is serviced by XXXX XXXX XXXX. I have requested an accounting record of the loan modification from the attorney at Brock and Scott in XXXX SC but no record was produced. My father would like to keep this home but feels that the bank has committed fraudulent deeds and sold this note to this new Lender that has no real answers as why the loan increased.
The foreclosure sale is scheduled for XXXX XXXX, XXXX. I realize that this very last minute but we just were not sure what else could be done. We spoke with XXXX XXXX XXXX and the attorney suggested that we file a formal complaint.
I will upload the, original loan docs, modification documents as well as the expert forensic examination results.
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| 08/16/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Considering the current economic situation, I would assume Brock & Scott ( Collection agent for XXXX XXXX ) would want to Settle my debt ( which they have a judgment for ) as most consumers are experiencing significant financial hardship. This law firm fails to issue a written decline in a timely manner, but rather communicates verbally months later after numerous follow ups to avoid a paper trail. They take an excessive time to respond to requests, which is harmful to consumers who wish to clear up credit. They are fairly disorganized and state inaccurate facts, such as pursuing collection on unenforceable wage garnishment. I dont feel this creditor is being fair and forthcoming in their dealings, but rather discrimatory and predatory, since they feel they believe they can collect via wage garnishment of {$900.00} per biweekly pay period.
XXXX-Brock and Scott submitted a wage garnishment to my employer to begin deducting 25 % of my disposable earnings, beginning with the XX/XX/XXXX payday.
XXXX-I submitted a Florida head of household exemption, which invalidates this creditors request to garnish wages.
XXXX-Attorney reaches out to Brock and Scott to offer a settlement.
XXXX-I called Brock and Scott and they didnt want to speak to me, as I have attorney representation XXXX- 2 months later- Brock and Scott declined offer of {$3000.00} & received a counter of {$9600.00} XXXX-I drafted a hardship letter and submitted to Brock and Scott XXXX-3 months later-Brock and Scott declined settlement of $ XXXX.They stated they have a garnishment order, therefore they are declining to settle for less than the Full amount owed. This is contradictory to their offer to settle for {$9600.00} on XX/XX/XXXX, which is harmful to a consumer, by asking for a higher amount than previously agreed to settle for less than full.
XXXX- My attorney submits a settlement of {$5000.00}.
XXXX-I received a call from Brock and Scott, which I missed. I called back and they advised they cant speak to me. I advised that my lawyer has been trying to get ahold of them for months to settle, and no one responds back to them.
6 months later-Brock and Scott declined the offer, but did not provide a rejection letter or any type of counter offer. They advised that the client ( XXXX XXXX ) elected to continue to proceed with the wage garnishment. This makes NO sense and is inaccurate, as a Florida head of household exemption was submitted.
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| 08/28/2017 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Brock & Scott PLLC ( B & S ) is produced and recorded with XXXX County Circuit Court a false Appointment of Substitute Trustee from the alleged Lender/Investor XXXX XXXX XXXX XXXX XXXX ( XXXX ). Appointment was signed and notarized by XXXX XXXX XXXX XXXX employee acting as " attorney -in-law '' for XXXX and notary public also employee of XXXX .
On, XX/XX/XXXX, in accordance with 28 U.S.C. 1746, I sent a second request to verify the alleged debt as follows : 1. Provide Lenders direct contact including name, address, and direct phone number according to 15 U.S. Code 1692g ( b ) 2. Alleged Account # with Lender/Note Holder/Investor 4. Amount of alleged debt : 5. Date this alleged debt was acquired.
7. Amount paid if debt was purchased.
8. Provide copy of Servicing Agreement between alleged Lender/Note Holder/Investor and loan servicing company.
9. Authorization to an alleged Servicer to Foreclose on subject property on behalf of Lender/Note Holder/Investor.
10. Provide verification that your company as a debt collector is authorized to act on behalf of the stated creditor.
11. Verify specifically, name ( s ) of person ( s ) assigned as Trustee to handle trustee sale and to be held accountable.
XXXX XXXX XXXX provided only a copy of deed of trust and Note, but with a word REDACTED on it to create an impression, the documents are made from legal size pages.
On XX/XX/XXXX, in response to my previous complaint, B & S claimed to have the original copy of Deed of Trust and Note. This is a lie to government agency. 18 U.S.C. 1001 is generally prohibits knowingly and willfully making false or fraudulent statements, or concealing information, in " any matter within the jurisdiction '' of the federal government of the United States.
If B & S insists on having the original Deed of Trust and Note, I demand to mail a copy of original legal-size Deed of Trust and Note to CFPB and to the Office of Virginia Attorney General, Consumer Financial Protection section, and to me for a comparison, as I do retain a homeowners copy of all closing documents including the Deed of Trust and Note.
Otherwise, I want you to know that B & S engaged into white-collar crime by conspiring with XXXX in their attempt to commit a civil theft and fraud against Land Record.
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| 04/22/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XXXX, the company known as BROCK & SCOTT , PLLC contacted me about an alleged debt that I do not owe in the amount of {$12000.00}. I have No prior or existing relationship with this company and its affiliates and/or assigns known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company and these individuals have obtained my private and confidential non-public personal information without my consent or knowledge and are attempting to defraud me into paying them alleged debts that I do not now nor have never owed to the,. This company and these individuals have no right to contact me or to attempt to collect any alleged debt from me. This company 's and these individuals business practices violate my right to privacy as a consumer and also the Fair Debt Collection Practices Act 15 USC 1692. I have demanded several items as proof of the allegations and claims yet this company and these individuals were unable to provide ANY documentation to support the allegations. I am confused as to how this company was able to obtain my private and confidential non-public personal information without my consent or knowledge since I have never done any business with it.
This company exhibits practices that are non-consistent with the laws that regulate debt collectors in the FDCPA. Since the company is clearly intent on violating my rights and ignoring my demands to Cease communication with me I am making is clear that I want this company to CEASE AND DESIST ALL COMMUNICATION with me IMMEDIATELY. Due to these events and the acts of this company I am emotionally distressed and traumatized due to the violation of my privacy and my rights as a consumer. This company has embarassed me in front of my peers and family in it's attempts to collect this alleged debt not owed to it. The way the last letterhead from this company was written also uses a style used by lawyers and is the company 's attempt to scare me into paying an alleged debt I do not owe by impersonating a lawyer. This company has not provided proof that it even has a right to collect in our state as demanded in previous communication as well. I am demanding that this company Cease it's hostile tactics and its communications with me immediately.
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| 06/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American, Servicemember |
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To whom it may concern : Before my loan modification in XX/XX/XXXX, I had two separate loans from the same lender ( XXXX XXXX ), one for {$170000.00} and the other for {$47000.00} approximately. These two loans were combined into a new single loan with a low interest rate of 2.0299 % and a total amount of {$240000.00}. As part of the modification, the {$47000.00} loan was waived in exchange for a shared appreciation of 25 %, not to exceed {$47000.00}.
This means that I am now only responsible for paying back the remaining amount of {$190000.00} at the low interest rate of 2.0299 %. The time of maturity for the loan remained the same at 271 months.
In summary, my two loans were combined into one new loan with a lower interest rate, and a portion of the loan was waived in exchange for shared appreciation. I now have a single loan to repay at a lower interest rate and the same time of maturity as before the modification.
Also, as part of my loan modification in XX/XX/XXXX, the lender ( XXXX XXXX ) waived the {$47000.00} loan in exchange for a shared appreciation of 25 %. This means that if I sell my house, the lender will be entitled to receive 25 % of the appreciated value of the property, up to a maximum of {$47000.00}.
For example, if the value of my house increased by {$100000.00} since the loan modification, the lender would be entitled to receive 25 % of {$100000.00}, which is {$25000.00}. However, if the value of the property increased by more than {$180000.00}, the lender would still only be entitled to a maximum of {$47000.00}.
It is important to note that this shared appreciation agreement only applies if the property is sold. If I continued to own the property and make payments on the modified loan until it is paid off, the shared appreciation agreement will not be triggered.
Additionally, my modified loan takes precedence over any other loans, meaning that it is the primary loan on the property and must be paid off before any other loans can be satisfied. Which in fact it was sold through foreclosure on XX/XX/XXXX. Therefore, all excess funds are due to me immediately, because I am the original owner of the loan.
Respectfully yours XXXX XXXX XXXX
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| 08/19/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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WRONGFUL FORECLOSURE AND WRONGFUL EVICTION I am a living, lawful woman whose " real '' property and " personal '' property was stolen, sold, and transferred without my knowledge. My children and I are now homeless ; suffering immediate distress and injury from loss of property.
experiencing irreparable loss, injury, and damages permanent loss of home and land after the wronged borrower fulfilled and performed all contractual duties loss of personal property wrongful lenders stole private property from violation of breach of contract by the denial of my inalienable AND contractual rights ( of the living, lawful woman ) ; CONTRACT IS NULL AND VOID having only one signature on the mortgage loan promissory note and on the mortgage loan security. MY SIGNATURE WAS THE ONLY SIGNATURE. The bank/lender ( s ) never signed the original promissory note.
violations of : non-full disclosure ; misrepresentation with fraud ; wire fraud ; identity theft ; identity fraud ; deceptive trading practices ; non-consent ; misconduct ; intentional billing errors ; and more fraudulent short-sale The foreclosure process started in XXXX or XXXX. The private property was sold/transferred to a different lender in XX/XX/XXXX without full disclosure and without my consent.
In XXXX, debtor/principal/secured party/trustee/wronged borrower fulfilled and performed obligatory duties with several ACCEPTED/ENDORSED payments with consideration to EACH bank and lender with the following : bill of exchange ( {$500000.00} AND {$360000.00} ) ; security instruments/vouchers/remittance coupons ; 1099A ; 1099C ; bill of credit ; letter of credit; etc... along with notices of fraud, contractual violations ( breach of contract ) ; deceptive trading practices, misrepresentation with fraud, wire fraud, intentional billing errors, harassment, identity fraud, identity theft, etc... and more. TOTALLY DENYING MY INALIEANABLE RIGHTS WITH THESE VIOLATIONS.
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| 05/27/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I was XXXX of an organization, XXXX XXXX XXXX from XXXX XXXX. I turned the organizations checking account over to the new XXXX XXXX XXXX. However, I did not remove my name from the account because I was in the process of filing embezzlement charges against the XXXX during my tenure. The XXXX was suppose to close the account and open a new account. The new account was opened and the XXXX made personal charges on the account. The XXXX did not pay the account so they sent correspondence requesting that I pay the account. Upon explaining to the lawyer of Brock and Scott the situation about six months ago, that this was an organization I had not been apart of it since XXXX, the lawyer agreed with me. The lawyer form Brock and Scott sent a letter to me acknowledging that I did not have anything to do with the account as such my name would be removed. The XXXX failed to pay the account and earlier this month, I received a Warrant in Debt along with the XXXX for the amount plus attorneys fees. The lawyers will not take my call and keep saying that XXXX has made arrangements to pay by XXXX/XXXX/XXXX. This should resolve the debt. The problem I have is that I should not be a party to this debt regardless of what happens. Brock and Scott only sent the communications regarding this settlement to XXXX and not to me. These communications contained my Personal name and address. So now they are only communicating with the XXXX and not me but sending emails and letters addressed to me to the XXXX. This is a violation of the law and I want my name removed as previously indicated by Brock and Scott. The XXXX even signed a statement acknowledging that the debt is his. This was sent to the Brock and Scott but I have not received any response. To date, I have requested all correspondence sent to me about the debt from Brock and scott but they have failed to do so.
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| 01/23/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
|
Brock and Scott, PLLC has no contract with XXXX XXXX XXXX XXXX, now XXXX, XXXX. The company claims to be some sort of representation of XXXX XXXX XXXX XXXX XXXX, who the affiant also has no contract with. This company is XXXX and maybe in possession of intellectual property. A surplus has been created in the name of XXXX XXXX XXXX XXXX. I demand that this estate property be returned to the trust immediately. I have reported this company to the XXXX XXXX XXXX of the Internal Revenue Service for unauthorized use of non-public personal information without expressed authorization. Attached is XXXX XXXX XXXX XXXX XXXX default. The affiant is not indebted to anyone. All debt obligations are of the United States per 18 U.S.C. 8, 12 U.S.C. 411, 31 U.S.C. 3123, 46 U.S.C. 53705, etc al..
This company has furnished deceptive forms to a consumer/natural person. XXXX is coming from a debt collector and the communication is false and misleading. I do not choose to contract with any of these debt collectors. I demand that all estate property be released immediately. This is not a request. If terms and conditions are not met within XXXX business days, a federal lawsuit will be commenced against these criminals for violation of the Civil Rights Act of 1866, Truth in Lending, and Fair Debt Collection Practice Act.
Please keep in mind that any implication that communication is coming from an attorney is false and misleading pursuant to the FDCPA. XXXX XXXX XXXX XXXX XXXX has acquired a debt and has agreed by silence to the debt. This debt will be considered a bad debt and will be collected upon the rule XXXX with the Internal Revenue Service.
What these XXXX companies are doing is Identity theft. This is illegal and the XXXX XXXX will apply to such criminals as well.
PLEASE SEE ALL ATTACHMENTS
|
| 03/14/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My home when into foreclosure because i lost my job and would no longer be able to make my payments. The servicers of my loan XXXX XXXX XXXX XXXX loans said I could give the house back to the bank and they would give me {$3000.00} if I left the house clean and complete. I agreed to this cash for keys settlement with Bank XXXX XXXX XXXX loans on XX/XX/XXXX. The bank told me that they would have there attorney write up the contract. I was told to empty the house because this deal would be done around 45 days. I was told to make sure I do not take any of the appliances ect out of the house or I will not receive XXXX. I cleaned and left the house, just like they asked me to. I left it clean and ready for them to take over. It took there attorney XXXX XXXX XXXX at Brock & Scott PLLC,XXXX XXXX XXXX XXXX XXXX, XXXX Fl XXXX till XX/XX/XXXX to have me except the terms and to XX/XX/XXXX to write the contract. I wrote, called, emailed the banks and there attorney over and over to ask them to please hurry with this cash for keys, because I was worried about people breaking in and people stealing things. It is now XX/XX/XXXX. I have wrote more letters, emailed, and called the banks attorney asking to finish this. There has been several break ins and the bank charges me {$740.00} for vacant house fees and other quarterly fees. I believe there attorney is dragging this on as long as he can so he can adds up all his monthly legal fees and than try to get a judgment against me to collect these fees. There attorney could have filed all the papers ect to finish this deal in 1 day. Instead its over 8 months and counting. There oral agreement was that it would 45 days. Yet they will not complete the written contract to give back he house.
|
| 10/29/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Please be advised, Brock & Scott , PLLC has violated the Fair Debt Collection Practice Act, and as a result I have suffered tremendously. In the process of refinancing my home, an account from Brock & Scott , PLLC was presented to me as the reason for my refinancing loan being denied. Prior to XXXX 2017 I have never received correspondence from Brock & Scott , PLLC. Brock & Scott , PLLC claims that I owe {$11000.00}, in addition Brock & Scot, PLLC claims that there was a lien placed on my home due to a financial relationship I held with their client XXXX Bank.
The first violation Brock & Scott , PLLC committed was failing to contact me providing initial correspondence of this debt. Brock & Scott , PLLC failed to notify me of this debt. Brock & Scott , PLLC did not offer me an opportunity to dispute, validate, or litigate in this matter.
In addition this debt and account violated the statue of limitation, and all records associated with this debt which can impact financial matters should be dissolved.
In addition Brock & Scott , PLLC is attempting to collect on a debt and fluctuating the amount of the debt by adding interest to the amount they claim I owe.
Furthermore, any financial relationship I held with XXXX Bank, was discharged in bankruptcy prior to Brock & Scott , PLLC litigation in this matter. Brock & Scott , PLLC has caused me to suffer deeply for their negligence. I am currently in the process of trying to improve my home and other aspect of my life, yet Brock & Scott , PLLC has not only violated federal law, but they have cause pain, suffering, and financial difficulty due to their egregious actions.
|
| 07/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
My home was was wrongfully foreclosed on XX/XX/XXXX by Brock and Scott, PLLC. I requested proof of claim ( the Note and Deed of Trust of the foreclosing bank and the Arrearages ) for whom they were representing. They said they were foreclosing for Fannie Mae. I have been fighting for 5 years to pay this mortgage. I have filed Chapter XXXX Bankruptcy and the Trustee disallowed XXXX 's claim because they did not file the Proof of Claim. We paid {$30000.00} into the Bankruptcy fund toward the Mortgage and this money was dispersed to unsecured creditors. I have 2 lawsuits in Chancery Court. One was filed in XXXX, the Judge has not ruled in that case, and I filed a Pro Se Petition on XX/XX/XXXX. I have a court hearing on XX/XX/XXXX but I have to file a response by XX/XX/XXXX because the defendant who purchased the house filed a Motion to have my Lawsuit dismissed and he also filed a Detainer Warrant in General Sessions Court to get possession of the property. My son and I are still in the house. My husband left in XX/XX/XXXX because of the stress and anxiety. He is XXXX and suffers from a work related back injury and is in pain 24/7. We are trying not to be evicted from our home. We built this house in XXXX, paid {$20000.00} down, paid mortgage payments for 10 years ( {$200000.00} ) plus the {$30000.00} to the Chapter XXXX Bankruptcy and we still don't know who owns this Mortgage, only that 4 different companies ( 1. XXXX, 2. XXXX XXXX XXXX, 3. Priorty Trustee and 4. Brock and Scott ) none of which have produced the Note and the Deed have continuously tried to wrongfully take our home.
|
| 10/27/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I was unable to pay a credit card debt of XXXX in XXXX tried to make arrangement with the Credit card company ( XXXX XXXX Bank XXXX. They would not help me to resolve it. they instead charge me high fees due to delinquency. 4 years later XXXX I received a judgement. I never received a notification of subpoena XXXX. I went to court and I was told I owed XXXX. I informed them that was not what I owe. I informed them that I owed only XXXX. I was not sure how it doubled. I declined the debt in court. I found out later the subpoena was given to my mother in-law who has XXXX. I was never notified from her that charges was filed on me. if I ask today she still does not know of anyone bring documents to her. A lien was put on my home without my awareness. I only found out when I tried to do a refinance. XXXX another judgement was filed against me for XXXX plus other fees totaling close to XXXX. I request that the debt collectors stop calling me due to the statue of Limitation in the state of Georgia. Debt was removed from my credit report and I did not here from them again until this week XX/XX/XXXX. They have now filed a garnishment. for XXXX. This a large amount of money with no justification of the amount. Why am I still being threatened for a time barred debt that occurred over 18 years ago. What can I do to make them stop. Georgia Statue of limitations on credit card debt is 6 years, judgement are 5 years. no payments were made from XXXX due to lost of business and hardship.
|
| 06/26/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/XXXX, I received a notice from Brock and Scott in reference to a XXXX card I had. My first payment for this garnishment was in XX/XX/XXXX and ended in XX/XX/XXXX. This garnishment stopped on XX/XX/XXXX ( dismissed ) due to me paying. I just recently bought a house. A few weeks ago my HR director called me in the office to advise me that this same company is garnishing my check again. I called Brock and Scott on XX/XX/XXXX and spoke with XXXX. I asked XXXX, why did no one call me and send any notice to me. She said they sent it back in XX/XX/XXXX and it came back undeliverable. I advised her that is not true because this is the exact same address they had when they did the first garnishment. XXXX, then advised me to hold on. When she came back to the file she advised me that they will send me a copy of. On XX/XX/XXXX, someone left a someone left an envelope on my door. It was the garnishment documents that they claimed they sent in XX/XX/XXXX and to my old address that is listed in the paperwork. XXXX, advised me that the new filing letter was sent on XX/XX/XXXX, but came back undeliverable. On XX/XX/XXXX the attorney submitted a new filing. I asked her could she send me ALL paperwork pertaining to this. She said that she has too speak to her manager. I also advised her since I never received any type of notification from them. She then asked me is there anything else she can do. I advised her again this is paid per my last paperwork.
|
| 08/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
|
I need your assistance with the following. Thanking you in advance for your help.
Complaint # 1 On Monday, XX/XX/XXXX, the law office of XXXX and XXXX in XXXX XXXX NC ( XXXX ), served me with a Civil Summons concerning a debt. I called the office and spoke with a XXXX XXXX about the Summons and he informed me that they were representing a company called XXXX XXXX XXXX Fresh Forward Flow for a back debt. I asked him what the debt was and he informed me that he did not know. He told me if I did not pay the debt, the company that they were representing could take property from me. I asked him to send me information concerning the debt. In the meantime, the following information was listed in the Civil Summons.
The debt ( whatever it is ) is as follows : {$3000.00} Principal Interest 23.9 % from XX/XX/XXXX ( {$4000.00} ) Attorney Fees - {$460.00} Total= {$7700.00} I received a letter on XX/XX/XXXX concerning the request for an explanation of the debt and the letter contained the same information that was contained in the Civil Summons above. I wrote a letter to the Law Firm on XX/XX/XXXX requesting the following information : The Original Creditor What the debt was Age of the debt Address and phone number for XXXX XXXX XXXX and XXXX Fresh Forward Flow.
A copy of the letter to the Law Firm was filed with the XXXX XXXX XXXX of Courts Office in XXXX XXXX NC.
I will update when I hear from them.
|
| 08/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been doing my own investigation into XXXX XXXX and their practices. I have found that I am being targeted by them and want compensation in the amount of XXXX per year that I been targeted. I sent in an identity theft packet to XXXX XXXX in XX/XX/XXXX. XXXX did not respond to identity theft and turned my account over to Brock and Scott. Brock and Scott then obtained a garnishment against me and continued to go from county to county trying to garnish my wages. I recently filed a complaint against Brock and Scott and NOW XXXX wants to send me a packet about the identity theft. I have already furnished this information to them and this prompted me to start an investigation of my own. I pulled my credit reports to see that not only has Brock and Scott been pulling my credit file sometimes twice in one day so has XXXX. On XX/XX/XXXX Brock and Scott pulled my credit twice and on XX/XX/XXXX XXXX pulled my credit. This is on a XXXX report dated XX/XX/XXXX. Why if Brock and Scott are representing XXXX are they both pulling my credit? I want compensation for the 5 years that this has negatively affected my credit and for the embarrassment that has been caused because of this garnishment. I also want letters from both companies that this issue is settled and that no further irritation will be caused to me. I am a victim of Identity theft and should not be going through this
|
| 07/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I received a billing statement from Brock & Scott PLLC out of XXXX XXXX XXXX citing they representing XXXX XXXX on an alleged credit card debt I owed.
The demand was responded to within 30 days to which I requested the debt be validated in addition to providing me what legalities this firm has to attempt to collect a debt against me in the State of GA and if they are licensed to practice collections or law within the State of GA to provide proof of the same.
As far as validation this debt collector simply mailed me billing statements which are not contracts or a written agreement of any debt I've agreed to or am legally binded to pay.
This debt collection has sent only two notices and neither suggest or imply that they would be or seeking legal remedies against me. As such, I've recently found out that their is a civil matter filed in the XXXX XXXX XXXX under docket # XXXX over this alleged debt that has not been proven.
At this time I feel as if my life is now being threatened over a $ XXXX credit card debt while many americans myself included are dealing with increased expenses as we are in a global recession with no immediate relief in sight.
To now add to my XXXX I am now being forced to respond to a debt and my livelihood being affected when this company has likely written off this debt and are only trying to force me to pay them additional monies.
|
| 08/04/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
On XX/XX/2022, I became aware that Brock and Scott PLLC, of XXXX, South Carolina are posing as lawyers on case XXXX, in XXXX XXXX XXXX Court of Pleas. This is a direct violation of title 15. There are no trustee 's associated with XXXX XXXX XXXX XXXX or any of his private property. I do not have a contract with these debt collectors. I have called and requested a W-9 for tax identification and was denied. I have no clue who this business is or who the work for.
Please take notice of revocation of Power of Attorney and all future trustees. Recorded in XXXX XXXX Record of Deeds. Bk 791 Pg 335.
They can not collect a debt for anyone because I do not owe any debt. They are using my name and SSN to which they have no permission. Please see attachments. Any proceeding with XXXX XXXX XXXX XXXX must be submitted to SOUTH CAROLINA SUPREME COURT. XXXX XXXX is not a government entity. It is not a court of record. Which is why I am contacting this government agency to rectify the actions of these debt collectors.
Brock and Scott have employed my name and XXXX. They can not have me on there books as a debtor because the emergency banking act is still active. All debt obligations are of the United States. This is fraud clearly.
They claim to work for XXXX XXXX XXXX XXXX XXXX who is also a debt collector. This is fraud to me and the CFPB has been informed.
|
| 03/23/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
In XX/XX/XXXX a letter was received in reference to a second mortgage debt. I provided information of the bankruptcy discharge, as well as the debt was accelerated nearly two decades ago and various collection activities occurred over 15 years ago. Under the law the debt is time-barred. I disputed the debt with the company, Brock & ScotXXXX, in which they replied that they wanted copies of acceleration letters. Those letters were provided to them in XXXX. Since that time, they have begun attempts to collect the time-barred mortgage. At no point have they responded to the dispute nor responded to the twice made request for a full chain of title, documentation of the full chain of title, all endorsements, age of debt, last payment on the account, current accounting, last actions taken on the account, calculation of limitations period, original creditor name and address and all alleged transfer dates should be provided under the dispute previsions. A request was also made for all licensing and legal authority to act on and pursue said alleged debt within the state of Ohio. To date, again, nothing was provided yet collection attempts have began.
Attached is the letters sent- including the showing that a collection attempt was started in XXXX. Brock & Scott will not respond and failed to comply with any conditions of the dispute process.
|
| 11/03/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Received a regular mail notice of foreclosure dated XX/XX/XXXX and XXXX XXXX, 2015 see : Attached pages XXXX. On the steps of XXXX XXXX Courthouse. I have no knowledge of this company nor do I have any business or contractual matters with this firm. However it has obtained some of my personal information which I gave no consent to do so, XXXX name included in this alleged claim is that of a deceased being. Pursuant to 15 U.S.C. XXXX and title VIII of the Fair Debt Collection Practices Act, I certified mailed a Notice to Dispute and Cease and Desist to senders see : attached pages XXXX, XX/XX/XXXX. Around XX/XX/XXXX again through regular mail, I received COPIES of requested information, request demanded according to law the original wet ink documents, furthermore even this copy of a copy has been altered see : attached page XXXX. The copies are not sworn to nor verified by any person making the alleged claim. Also to continue this deception on XX/XX/XXXX my personal property appeared in local newspaper, foreclosure/auction section. This has put harm to my reputation, sanctions shall be issued, chargeable on the Bond ( s ) of the " once verified '' parties making such fraudulent claims, all shall be fined for the actual damage cost and time that my family endured during this matter.
|
| 11/02/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had a debt with XXXX XXXX, I got behind and they contacted an attorney to serve a judgement. I contacted through their attorney Brock and Scot and made arrangments to pay. They continue to update XXXX and XXXX falsely month over month with a past due balance of {$270.00} I have disputed with everyone. They send me back notices saying they verified with XXXX XXXX its correct. I have contacted the attorney they say they have notified them its paid. They provided me documentation its paid in full and I even submitted that documentation to the credit bureaus and they refuse to correct the information with proof I provide. XXXX was the only company to correct it when disputed. At this point I demand they delete this from XXXX and XXXX. I have been harmed month after month even after I provided proof to each bureau of its inaccuracies..I have been denied credit based on this and I have tried for 3 months to give them an opportunity to correct there mistake. This is unfair and most importantly inaccurate and the fact that this company has verified information as accurate when it is not month over month is mind blowing. Also the fact that XXXX and XXXX get away with ignoring valid documentation to correct is appalling.
|
| 05/07/2018 |
No |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, my mortgage analyst discovered a judgment against me when he was completing title work for a new home I wanted to purchase. On the same date, I contacted XXXX XXXX ( original creditor ) and they said the account was transferred to XXXX for collections and from there it was transferred to Brock & Scott.
Since then I have contacted Brock & Scott at XXXX extension XXXX ( XXXX ) and extension XXXX ( XXXX ) several times and each resolution specialist informs me that my file is on hold and they are unable to discuss it with me until the hold is released. None of the resolution specialists have any definite answers as to when the hold will be released. They encourage me to keep calling the company back with hopes that the hold will be released soon. After the hold is released, the resolution specialists said I would receive a letter from Brock & Scott. They did not provide me with any details as to what the letter would contain.
As of today, XX/XX/XXXXI have not received a letter from Brock & Scott. To resolve this issue, I would like Brock & Scott to provide me with verification of debt and the aforementioned letter.
|
| 12/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Brock & Scott , PLLC sent me a Notice of Foreclosure Sale dated XX/XX/XXXX that I received XX/XX/XXXX. In it claims I owe XXXX XXXX XXXX XXXX and that XXXX XXXX XXXX is the party with full authority to negotiate.
Brock & Scott , PLLC did not provide any proof of the alleged debt to me in response to my notice of dispute and demand for validation. The materials it provided were incomplete, inconclusive, and confusing. The materials did not identify the alleged original creditor or the the alleged current creditor. The materials were received sometime in the first week of XX/XX/XXXX.
On XX/XX/XXXX the alleged debt was sold to two debt buyers and collection was of the alleged debt was assigned to a third party. I received this notice XX/XX/XXXX, too.
The debt buyers confirmed the purchase of the alleged debt and XXXX confirmed it was no longer attempting to collect the alleged debt from me. Brock & Scott , PLLC has yet to confirm that it no longer has the right to collect the alleged debt from me and continues to list a scheduled foreclosure sale on its site.
I can provide documents as needed.
|
| 01/15/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
On XXXX XXXX, XXXX, XXXX Brock & Scott , PLLC for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has served me Alert/amended notice of hearing papers to be in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX on XX/XX/XXXX @ XXXX am in XXXX, NC to foreclose on my home for a debt that has been paid and discharged in my XXXX XXXX bankruptcy back in XX/XX/XXXX. I have asked them to cease and desist, i have disputed the debt and 2 of the credit reporting agencys are showing the accounts closed. XXXX XXXX XXXX has even squatted so low to tell transunion credit agency that I made a payment in XXXX XXXX so they could restart the account as being updated. I have also disputed that lie with transunion and they have done nothing to fix it. I am permanently XXXX, currently suffering from XXXX XXXX, live alone, no family or friends and barely getting by. I am not one who doesn't pay my bills when I owe them. Please help me and have them to please leave me alone. I am not bothering anybody and just want to die in peace, please... .I don't know what else to do at this point. Sincerely, XXXX XXXX.
|
| 04/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
This debt is about XXXX years old ; XXXX XXXX has given the debt to another company, Brock and Scott. Brock and Scott took a payment from me, saying they could settle the debt. XXXX XXXX refused and said they wanted the total amount ; when I asked for proof of said debt, I was given the runaround, and mind you, I have two obligations with XXXX XXXX, and they will provide nothing. Brock and Scott reached out about XXXX weeks ago, saying XXXX XXXX agreed to the settlement. I contacted XXXX XXXX, and one rep stated, No, we do not agree and will not settle. The other said, We agreed to the settlement but didn't know the terms. she put me on hold and transferred me to another lady who said the same but gave the amount of XXXX. XXXX XXXX took money out of my bank account and honored some of the refunds I disputed. XXXX XXXX went on to close a credit card with a deposit of XXXX and has all but refused to explain where that money went. They have already sued me and continue to cause emotional stress, at this point nobody is on the same page and we have mediation tomorrow.
|
| 10/30/2015 |
Yes |
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
I received a Notice to Foreclose on court house step for XXXX XXXX, XXXX. The notice is dated XXXX XXXX, XXXX from Brock & Scott PLLC. On XXXX XXXX, I sent a Dispute for the Foreclosure Notice requesting Brock & Scott PLLC to identity who they are, such as a holder in due course, a creditor, etc., and who authorized or gave them the authority to foreclosure along with a list of other questions I needed answered. Brock & Scott is a XXXX party debt collector and do n't have standing to foreclose. I asked for payoff information as well. On XXXX XXXX, XXXX, I received a copy of the security deed ( stamped original ) and a bad copy of the " Note '' and the accounting that I never asked for. None of the other questions were answered. Under the FDCPA it states foreclosures must be done in a judicial court. They are threating to sell my property on the courthouse steps on XXXX XXXX, XXXX. The lender listed on my paperwork is XXXX. XXXX did an assignment in XXXX to XXXX, but XXXX was bankrupt and no longer in existence in XXXX. How is that possible?
|
| 02/18/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
On XXXX XXXX, 2016 I appeared at an alleged creditor foreclosure hearing case number XXXX at the XXXX XXXX XXXX house in front of assistant clerk XXXX XXXX XXXX XXXX XXXX Clerk of Courts ... acting as a judge and whom is not an attorney nor a judge and was acting in and for a debt collector in violation of the FDCPA. I am a consumer under fed.statue 1692a ( 3 ) and the creditor under fed.statue 1692a ( 4 ). The alleged assistant clerk knew or should have known what she was doing was illegal when she acted outside her jurisdiction regarding a consumer transaction which was timely rescinded under federal law. The assistant state court clerk allowed a debt collector fed.statue 1692a ( 5 ) to be conducted in a creditor related non-judicial state court action in violation of the FDCPA 15 USC 1692i. Clerk also advocated on behalf of the debt collector that the proper procedure for mortgage " acceleration '' was proper without " proof of delivery '' I was denied proper consumer protection in regards to FDCPA statues.
|
| 02/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX is attempting to collect a debt not owed. I submitted CFPB Complaint ID no. XXXX with XXXX, CFPB complaint ID no. XXXX with XXXX, and CFPB complaint ID no. XXXX with XXXX along with attached FTC Identity theft fraud affidavit Report XXXX. XXXX, in reference to account no. XXXX with the creditor ( XXXX XXXX ) making the credit reporting agencies and the creditor aware of the fraudulent account. This information was submitted on XX/XX/XXXX. The account was deleted and blocked from my credit report by the Credit Reporting Agencies. Under law when an account is blocked as a result of identity theft the account can not be sold, transferred, or placed into debt for collection. Brock & Scott has contacted me as of XX/XX/XXXX, attempting to collect a debt not owed. XXXX XXXX has violated my rights under the FCRA.
" Once a debt resulting from identity theft has been blocked, a person or business with notice of the block may not sell, transfer, or place the debt for collection. ''
|
| 12/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
On XX/XX/XXXX I got an initial communication letter from a foreclosure attorney by the name of Brock and Scott stating that i owned XXXX and had XXXX days to dispute debt About XXXX XXXX days letter I received a Notice of Acceleration Letter stating that Brock and Scott was advertising my property for a non judicial foreclosure sale on XX/XX/XXXX less then 30 days and less then XXXX consecutive weeks from the foreclosure date NOT TO MENTION, I DID NOT GET THE OPPORTUNITY TO ASK FOR VALIDATION PRIOR TO THE ADVANCEMENT OF COLLECTIONS. They have violated the non-judicial Georgia Foreclosure laws and Federal Laws and I dispute the debt I also attached an email from a Bank of New York XXXX representative stating that her form XXXX does not own the loan or the property. So how is Brock and Scott advertising that the XXXX owns the loan?
|
| 09/19/2022 |
No |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On or around XX/XX/2022 I receive a notice from Brock & Scott , PLLC attorney/debt collector trying to collect on a alleged debt. I have never done business with this Brock & Scott , PLLC attorney/debt collector. So I requested that this company verify and validate this alleged debt. On XXXX XXXX Brock & Scott PLLC responded asking me for additional information. As they stated I owe a alleged debt so they should have all the information to prove this debt. Brock & Scott , PLLC is threating to take property that they have no rights nor claim to. I XXXX XXXX a nature person and consumer ask that Brock & Scott cease all communication with me about this alleged debt and to remove my name from your database. I XXXX XXXX refuse to pay this alleged debt.
|
| 12/14/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I filed a complaint against the company for trying to collect a false debt from XXXX previously on XX/XX/19 with the CFPB. I am trying to close on my home and am clear to close. They are maliciously still holding the debt in house and have not sent it back to the creditor at all. They stated below that they are not collecting the debt but yet they are still holding the debt from XXXX, the original creditor.
The attorney is intentionally not releasing the debt to XXXX so that I can satisfy the charge off so that I can close on my home.
I have also copied and ccd XXXX XXXX and and attorney on this complaint so that I make sure Im following all steps required beforehand.
|
| 07/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The company just recently tried to contact me once by phone about 2 weeks ago about making monthly payments have not received anything in the mail.Until it's paid off the guy was understood my situation have have work since XX/XX/2019 lost everything I owned during the hurricane last year can't even XXXX my XXXX XXXX XXXX and gettng around in a XXXX. Can't afford to go to doctors to get the XXXX need for my XXXX with no income. It shows on my credit report as it been charged off so trying to understand now why would I be sued instead of trying to be giving a chane. The amount is XXXX XXXX that is owed and willing to try and pay something monthly.
|
| 10/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
The law firmBROCK & SCOTT, PLLC has been harrassing me and my family about an alleged debt without and debt validation or verification.
Per FDCPA rule : The attorney thus violated 15 U.S.C. 1692e ( 3 ) and ( 10 ) ,1. The law firm invaded the privacy of an individual by unreasonably intruding upon his seclusion by communication through the USPS via first class mail in relation to an alleged debt that did not owe to the law firm.
2. The law firm and its agent 's acted in a false, deceptive, misleading and unfair manner by repeatedly communicating with me via USPS mail without validating and verifying the alleged debt.
See attachment :
|
| 12/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2019, I discovered that multiple credit card accounts were made without my authorization. I reported this issue to all three credit reporting agencies and to the creditors who had issued fraudulent accounts in my name.
Most accounts have been resolved and removed from my credit report.
Unfortunately, XXXX card company is continuing their attempt to collect the debt that I do not owe through collection company.
The collection agency is a law firm named Brock and Scott PLLC.
They are attempting to sue me for the debt that I do not owe. An official police report and FTC identity theft report were filed back last year.
|
| 08/21/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XXXX XXXX, 2017, I received a letter from Brock & Scott , PLLC stating that my debts with XXXX XXXX XXXX XXXX are now settled. When I paid these balances with Brock & Scott , PLLC, XXXX would only settle at 80 % on my two loans which equaled {$1000.00} and {$1800.00} respectively. I am still getting hit with delinquencies on both of these accounts on my credit report for XX/XX/XXXX and for XX/XX/XXXX. It takes the act of Congress to even get through to them and when I actually spoke to a person last week, she stated it would take seven days to research and I would have to call back to even receive a response.
|
| 10/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Ga XXXX To Whom It May Concern : I am writing for help about a credit debt that Bock & Scott had sheriff delivered to me around 2010. I have went on their website saw where it said I owe {$12000.00}. I have contract them via telephone and mail ; asking about this matter but no response. I would like to know how they come up with this dollar amount with the list of the breakdown. Also I need a something showing me with my name of the account number that you have listed on the letter that I received.
Thank you.
XXXX XXXX
|
| 05/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
On XX/XX/2023 XXXXrock and Scott PLLC on behalf of XXXX XXXX filed a lawsuit to attempt to collect a debt not owed as a result of identity theft. On XX/XX/2023 XXXX XXXX attempted to validate the debt through case number XXXX regarding the account ending in XXXX. Through the debt validation process, XXXX XXXX confirmed the debt was a result of fraud and I was not responsible for the amount in question. The creditor, XXXX XXXX has removed this item from my credit report, but Brock and Scott still have a lawsuit and are continuing to collect on a debt that is not owed.
|
| 09/07/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
XXXX CLAIMED I OWE THEM MORTGAGE MONEY, I ASK THEM TO PROVIDE THE ORGINAL NOTE OR THE NOTE THAT CLAIM I OWE SUCH NOTE TO THEM, THEY COULD NOT. THEY TRY TO SELL MY PROPERTY IN FORCLOSE SALES ; I FOUND OUT THROUGH A SOLICITING ATTORNEY 'S LETTER. I FILE FOR BANKGRUPCY TO PROTECT MYSELF, I TOOK THEM TO COURT ; BUT THE JUDGE IS DENYING MY PETITION BECAUSE I AM PRO SE. I NEED YOUR HELP THIS PEOPLE ARE NOT LICENSE TO PRATICE IN MARYLAND. BUT THE COURT IS NOT PROTECTING US AGAINST THEM PLEASE HELP ME.
|
| 10/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have requested Debt Validation on multiple occasions after receiving a case filing against me in XXXX. To date, I have not received full documentation and the debt has not been validated. Specifically, I have not received files prior toXX/XX/XXXX to account for over {$11000.00} in Brock and Scott/XXXX XXXX collection efforts. Their collection efforts have continued through credit reporting and by mail, however they have not validated the debt after repeated attempts over the last six months.
|
| 11/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
This collection company is trying to collect a fraudulent debt that is disposed/discharged as a judgement in 2012.
The debt is no longer collectible according to the court records. It also has not been properly validated.
I called The company and they are even trying to collect even more than the original amount of the debt which was {$3100.00}. They are trying to Collect {$6300.00}. This is illegal and is violating the fair debt collection practices act and the fair credit reporting act.
|
| 06/28/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
On XX/XX/2018 I hired a credit consultant to handle this for my behalf. My credit consultant has been trying to reach them since XX/XX/2018 regarding this XXXX XXXX XXXX judgement. They never reached back to her in order to try to resolve this matter. I am concerned that they are not professional in the services they provide. I would like an investigation regarding this attorney 's office. I would like for them to contact XXXX XXXX at XXXX in order to discuss options in resolving this debt.
|
| 01/04/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was recently served a civil summons from the XXXX County Sheriff 's department. The collection agency listed on the summons was an agency called Brock and Scott. Prior to the receipt of this summons, I did not received a notice of my right to dispute. I was not even given the opportunity to challenge the debt prior to a XXXX County deputy showing up on my doorstep. Additionally, I live in XXXX County so this company did not even file the paperwork in the proper county.
|
| 06/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
I am being sued in the wrong venue by a law firm claiming to be a debt collector. According to the FDCPA the proper venue for this debt is the district court. This law firm does not have a valid contract after asking to validate the debt and is now filed a complaint in a state court for breach of contract when they have failed to respond by providing the contract. This is a violation of the law. They also ignored my requests to produce the contract and have not done so
|
| 03/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company is serving papers to my husband whom Im legally separated from rental property in XXXX XXXX XXXX that I dont live at. My mailing address and living address are both different from whatever address they are using to sue me and try to collect judgments. I was also the victim of credit card fraud massively in 2019 with all my other creditors, and had put a block on my credit at that point because someone else charged all of the debt and I do not owe it.
|
| 12/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Brock & Scott cancelled a foreclosure sale XX/XX/19 and told the CFPB that it did so.
It is still listing the foreclosure sale on the following sites : http : XXXX https : XXXX https : XXXX I have asked the debt collector to confirm the cancellation and have yet to receive a response. The sale was cancelled because the foreclosing party did not have the legal right to foreclose.
The debt collector has informed no one that the alleged debt is disputed.
|
| 01/25/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I talked to my mortgage servicer due to Brock & Scott doing a foreclosure attempt from the prior servicer. The new servisor has no record of my house being foreclosed on and an eviction notice was received to vacate the property XX/XX/2017. I filed an appeal with the courts on XX/XX/XXXX to stop this illegal foreclosure. I am requesting a stay on any foreclosure proceedings until this is settled. Brock & Scott has not responed to my compalints!!
|
| 07/21/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have requested the records of this account because I believe this account was opened by someone other than me. I have not gotten this information and I 've been sent a repayment agreement that is asking me to notarized. Which I was n't aware of apparently a court date was missed and they are saying that I have to sign and notarize this agreement because they could take my house, car or anything they feel is valuable
|
| 12/22/2015 |
Yes |
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
Debt Collectors are attempting to steal my home after the debt has been discharged lawfully in a Chapter XXXX bankruptcy. Discharge paperwork lists mortgage as fully discharged. Interlopers are trying to force me out of my home with threatening unsigned letters. I have made numerous requests for the full account loan data which have been ignored. I have also sent FDCPA Validation Letters that have been ignored.
|
| 01/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX XXXX I owe {$0.00} Status current Date opened XX/XX/2018 I have never signed any written document saying that I owe this debt to the collector.
They are violating my rights of the FCRA as a consumer.
I do not know who they are and have not written consent from my end.
Also, they have not verified that I owe this debt to this alleged company.
Please have this removed from XXXX and XXXX.
|
| 06/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
I am being sued in the wrong venue by a law firm claiming to be a debt collector. According to the FDCPA the proper venue for this debt is the district court. This law firm does not have a valid contract after askiing to validate the debt and is now filed a complaint in a state court. This is a violation of the law.
They also ignored my requests to produce the contract and have not done so.
|
| 03/21/2017 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
|
|
Brock & Scott a debt collector, filed a lawsuit against me in behalf of XXXX, who was later bought by XXXX XXXX. I was never formally served any intention to take this matter to court, therefore I was not provided an opportunity to defend myself in court and they were awarded a judgement by default.
|
| 02/06/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
This company claims that I owe a debt to them. They then turn around and sent my personal information to a so call attorney/debt collector who has my address.Never did I enter into a contract with anyone. The home was left to me by my mother.
|
| 03/04/2016 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
this debt collector was transferred the alleged debt the previous debt collector never verified or validated regarding the old account the CFPB is investigating the Case Number isXXXXXXXX and Case Number XXXX.
|
| 01/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I have a complaint of file # XXXX, I 've attached formal complaint being filed today that further details the fraud involved by the Lender and Brock and Scott, PLLC.
|
| 10/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
BROCK & SCOTT , PLLC has filed a lawsuit in the court on adebt that is time-barred. Additionally, they filed a false case # in the land record.
|
| 05/04/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2023 foreclosure proceedings was placed on my property. This a false claim, result of idenity theft and security fraud.
|
| 08/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Debt occurred from identity theft and the collection company didnt even verify and filed a lawsuit on me.
Brock and Scott
|
| 01/23/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 10/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Phone |
Servicemember |
|
|
| 09/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 07/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 05/03/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 04/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
|
| 03/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 02/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 01/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 11/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/21/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 03/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 10/19/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 07/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 06/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/07/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
- Problem with customer service
|
|
Web |
|
|
|
| 12/26/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 10/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 10/21/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Fax |
|
|
|
| 08/30/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 08/01/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 07/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 06/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/16/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/15/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/14/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 05/29/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
Servicemember |
|
|
| 05/23/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 04/06/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Referral |
|
|
|
| 03/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Postal mail |
|
|
|
| 01/04/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/24/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/06/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 06/30/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 05/30/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 05/03/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 04/03/2017 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Older American |
|
|
| 03/27/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 03/26/2017 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 01/31/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 01/27/2017 |
Yes |
|
|
|
Referral |
|
|
|
| 12/29/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/17/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 08/31/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 08/05/2016 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Postal mail |
|
|
|
| 08/03/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 05/27/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 05/04/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 05/03/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 04/21/2016 |
Yes |
|
|
|
Referral |
|
|
|
| 04/15/2016 |
Yes |
|
|
|
Postal mail |
|
|
|
| 04/11/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Fax |
|
|
|
| 03/31/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/02/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/19/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/31/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/24/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American, Servicemember |
|
|
| 11/25/2015 |
Yes |
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Postal mail |
|
|
|
| 11/19/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 10/28/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Servicemember |
|
|
| 10/20/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 10/15/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 09/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 09/21/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 08/27/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 06/24/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 06/08/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/15/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/30/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
Older American |
|
|
| 04/07/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 03/16/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 03/02/2015 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
|
| 01/20/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/17/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
|
| 12/12/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called after sent written cease of comm
|
|
Referral |
|
|
|
| 12/04/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 11/13/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 11/10/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 11/07/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 10/11/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/11/2014 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/07/2014 |
Yes |
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
|
| 08/06/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Fax |
|
|
|
| 06/12/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 05/19/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 05/16/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 04/24/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Referral |
|
|
|
| 03/06/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|