McCalla Raymer Leibert Pierce, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/14/2018	No	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92782	Web
XXXX Basic obligation of public service. ( a ) Public service is a public trust. Each employee has a responsibility to the United States Government and its citizens to place loyalty to the Constitution, laws and ethical principles above private gain. To ensure that every citizen can have complete confidence in the integrity of the Federal Government, each employee shall respect and adhere to the principles of ethical conduct set forth in this section, as well as the implementing standards contained in this part and in supplemental agency regulations. California Constitution PREAMBLE We, the People of the State of California, grateful to Almighty God for our freedom, in order to secure and perpetuate its blessings, do establish this Constitution. SECTION 1. All people are by nature free and independent and have inalienable rights. Among these are enjoying and defending life and liberty, acquiring, possessing, and protecting property, and pursuing and obtaining safety, happiness, and privacy. Director XXXX XXXX, XXXX XXXX, I am requesting your efforts as promised under the Treaty of XXXX XXXX protection of individual civil rights and individual property rights. Please do not ignore the crimes which continue to be executed up on me by the debt collectors. It is my hope your agency agrees to take my case against McCalla Raymer Leibert Pierce LLC and its many connections behind their walls. It is my hope your agency recognizes the abuses by the latter ring of debt collectors who choose to blatantly violate Section 5 of the FTC Act, 15 USC 45 which prohibits unfair or deceptive acts or practices. When reviewing my CFPB complaint dated XX/XX/XXXX against the complex organized group of attorneys called McCalla Raymer Leibert Pierce LLC, I am recommending that your organization refer attorneys/debt collectors who own a web of LLCs, law firms and other fraudclosure mill throughout the United States to the Department of Justice. My request is made to force the attorneys to register as foreign agents due to their sneaky and lawless acts against homeowners of California. Please refer to my letter to President Trump and Exhibit A to establish past abuses against me by attorneys/debt collectors out of control. The attorneys who will attempt to steal my home XXXX XXXX XXXX XXXX CA on XX/XX/XXXX have completely ignored law or Federal Trade Act and THE FAIR DEBT COLLECTION PRACTICES ACT As amended by Pub. L. 111-203, title X, 124 Stat. 2092 ( 2010. ) and will move to steal my XXXX home with obvious lack of standing and refusal to provide Verification of Accounting as mandated by FDCPA Section 809 and Federal Trade Commission Act. How do I know? On XX/XX/XXXX, four of the attorneys who will now try to steal my XXXX home and now a part of the McCalla Raymer Leibert Pierce LLC fraudclosure web XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX sold my home XXXX XXXX XXXX XXXX XXXX California to one of their associates XXXX XXXX and XXXX fake company analleged client of XXXX XXXX. XXXX knights himself The King of Eviction and seems to own the lower eviction courts in XXXX XXXX. Please note that XXXX XXXX, XXXX XXXX and XXXX XXXX long time associates of McCalla Raymer Leibert Pierce LLC stole my owner occupied on XX/XX/XXXX THEFT knowingly based on a VOID contract XXXX XXXX XXXX. I was illegally evicted on XX/XX/XXXX. After a hard fight, I was able to show three XXXX judges fact that XXXX and Judge ignored case law to illegally seize my home and the three XXXX judges reversed the illegal auction destruction of my life, health and business of 20+ years. You may ask why the illegal seizures are happening? Please refer to my letter to President Trump whereby I discuss the harm by ex-XXXX bankruptcy attorney XXXX XXXX who blocked me from reorganizing the debt of the XXXX XXXX XXXX trust under a bankruptcy XXXX back in XXXX ( as suggested by XXXX predecessor Judge XXXX XXXX, I elected to file a XXXX aka XXXX reorganization n XXXX so I could strip any defective liens and confirm valid creditors. ). XXXX assisted the debt collectors steal my homes left and right regardless of reckless acts of attorneys. Theft of XXXX XXXX XXXX has been set by XXXX and Friends and Florida Attorney XXXX XXXX XXXX, XXXX, XXXX and XXXX created a California LLC called XXXX XXXX XXXX XXXX. It is with this XXXX XXXX that XXXX, XXXX, XXXX XXXX XXXX that commenced filing falsified foreclosure documents on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California and pulled the XXXX on XX/XX/XXXX. I did execute my protection by sending these attorneys and their alleged client XXXX XXXX XXXX XXXX. a Debt Validation letter challenging their presentment for specific obvious reasons proving that neither XXXX XXXX or the attorneys had a present right to foreclose on the XXXX XXXX home and sell to XXXX XXXX fake client. In addition, as grantor, I revoked in writing any presumed power of attorney which XXXX, XXXX, XXXX, XXXX or XXXX XXXX assumed they had. The Statue of Limitation set firm that any pretender lender could not attempt to seize XXXX XXXX XXXX. XXXX XXXX CA. The misconduct debt collectors chose to not adhere to Section 809 of FDCPA and submit to me VERIFICATION in Affidavit under Oath and Notary Seal Affiexed. I was injured. The IRS records 1098 document submitted to the IRS by the debt collectors following the illegal sale to reveals not only their criminal minds, but my proof of their lack of standing to illegally take my property on XX/XX/XXXX. - Pretty Sneaky debt collectors who illegally liquidated my XXXX XXXX asset. The side note I was never made aware of the illegal foreclosure proceedings of the XXXX XXXX property until notified by my renter. THEFT OF XXXX XXXX XXXX XXXX CA SET FOR XX/XX/XXXX IS ORGANIZED : BY XXXX XXXX ET AL AND FLORIDA ATTORNEY XXXX XXXX AS XXXX XXXX XXXX XXXX I REVOKE ANY OF THEIR PRESUMED POWER OF ATTORNEY FOR XXXX XXXX XXXX TRUST. I CHALLENGE XXXX et al OBVIOUS LACK OF STANDING DUE TO STATUE OF LIMITATION ISSUE AND BANKING ACCOUNTING RECORDS SHOWING XXXX XXXX HAS NO INTEREST WITH MY XXXX XXXX AND I WILL NOT CONTRACT WITH XXXX XXXX OR XXXX XXXX XXXX AL OR XXXX XXXX. A COMPLETED VERIFICATION FROM XXXX XXXX AND XXXX WILL SUFFICE AND ALL COLLECTIONS AND REPORTING MUST STOP AND CORRECTED. XXXX XXXX MUST EXPLAIN WHY IT IS NOT REPORTING THEIR XX/XX/XXXX Created Account No. XXXX to credit report of XXXX XXXX XXXX trust. XXXX, XXXX, XXXX et al will now try to steal my home located at XXXX XXXX XXXX XXXX California on XXXX. I sent the debt collector attorneys a Debt Verification request under FDCPA which was received by their office on XX/XX/XXXX. Instead of stopping all collections, the debt collectors chose to establish their deviance by tapping the Trustee Notice of Sale on my home front door for all my neighbors to see on XX/XX/XXXX. Buckleys gang of attorneys has increased under umbrella of McCalla Raymer Leibert Pierce LLC. So now I face off with attorneys from Texas, Florida, Georgia, Connecticut and California all apart of McCalla Raymer Leibert Pierce LLC. I was never notified of the illegal sale of theXXXX home until mail commenced flowing to my mail box the first week of XX/XX/XXXX verified by Post Master. Notice of Default was filed by XXXX Texas Law Firm under XXXX XXXX XXXX XXXX a California LLC in XX/XX/XXXX. Then we have a Notice of Trustee Sale filed with XXXX County in XX/XX/XXXX by a foreign LLC named XXXX XXXX XXXX XXXX owned by XXXX XXXX of Florida. I have no idea the relationship between XXXX XXXX XXXX called XXXX XXXX XXXX XXXX located in XXXX Florida and McCalla Raymer Leibert Pierce LLC. I do know that McCalla Raymer Leibert Pierce LLC established an office in XXXX XXXX, and uses a mailing house in XXXX. I believe the mailing house a fraudclosure business owned by McCalla Raymer Leibert Pierce LLC. XXXX XXXX business XXXX XXXX XXXX XXXX is also sharing office space with McCalla Raymer Leibert Pierce LLC in XXXX XXXX CA. I have done some research and found out the reason why the debt collector attorneys form LLCs in Florida is for the liability protection for their assets provided by Florida. Because of XXXX entrance to scene of the fraudclosure theft of XXXX XXXX XXXX, I sent XXXX and XXXX an authorization to investigate XXXX XXXX claim to have a contract with me related to a note referenced as account XXXX which is allegedly related to an XXXX XXXX XXXX Loan discharged at least 3 times and its note referenced as XXXX. I directed both credit bureaus to obtain Verification in accordance to FDCPA - Affidavit or Statement under Oath by an officer stating that XXXX XXXX is in fact a Creditor. I directed credit bureaus that compliance with FDCPA requirements must be enforced and no deviations i.e. the debt collectors can not submit to investigators copies of the XXXX XXXX XXXX deed of trust. This would be unacceptable. I asked the credit bureaus to initiate the investigation, because of the problems which I encountered with XXXX XXXX et al debt collectors electing to not follow the law related to theft of XXXX XXXX XXXX. XXXX XXXX. I can not have my current home stolen also. XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX et al joined up with McCalla Raymer Leibert Pierce LLC. I am opening this case to publicly prove that XXXX XXXX foreign California LLC called XXXX XXXX XXXX XXXX has no present right to foreclose on my home XXXX XXXX XXXX XXXX California set for XX/XX/XXXX. The debt collectors will ignore their obligation to submit to me and my legal team a completed VERIFICATION. I also have attached to this CFPB my revocation of any power of attorney that XXXX XXXX and the McCalla Raymer Leibert Pierce LLC presume that may have over my XXXX XXXX XXXX trust. I reject their presentment and now force their hand by forcing them to sign an Affidavit or Statement under Oath and Notary Seal Affixed. I am familiar with the Social Security Act of XX/XX/XXXXwhich sets XXXX XXXX XXXX XXXX California as a security Asset of the United States of America. I would like to remind you that the Social Security Act of XX/XX/XXXX business model was created to move our Country in the right direction financially. The Social Security Act was not created for debt collector attorneys to file falsified documents on homes and seize homes with no present standing to take home of the Social Security Trusts ; thus, ruining credit of the American People and harming the American people in more ways than one. For this reason Mr.Mulvaney, I recommend that you to refer the attorneys who are planning the theft of XXXX XXXX XXXX XXXX on XX/XX/XXXX to the Department of Justice. Foreign Agents Registration Administration which administers Foreign Agents Registration Act. FARA is something of an unusual statute. Codified today at 22 U.S.C. 611-621, it was enacted in 1938 in the run-up to World War II in response to concerns raised by a special congressional committee over the large number of XXXX and XXXX propagandists active in the United States at the time. As the DOJ Inspector General recently noted, A significant finding of the committees study was that the XXXX XXXX government had established an extensive underground propaganda apparatus using American firms and citizens. Per the Justice Departments thorough and helpful FARA FAQ, we are told that [ t ] he purpose of FARA is to insure that the U.S. Government and the people of the United States are informed of the source of information ( propaganda ) and the identity of persons attempting to influence U.S. public opinion, policy, and laws. Such information, in turn, allows the public to appraise [ those individuals ] and the purposes for which they act, in the words of a XXXX House of Representatives report. Most importantly, as these quotes suggest, FARA is a procedural statute, not a substantive one. As explained in more detail below, it does not prohibit particular activities in the abstract ; it merely requires that those engaged in such activities on behalf of foreign interests identify themselves ( and disclose their interests ) to the U.S. government. Indeed, a separate statute, 18 U.S.C. 219, goes one important step further, making it a crime for any individual who is an officer or employee or person acting for or on behalf of the United States, or any department, agency, or branch of Government thereof, including the District of Columbia, in any official function, to be or to act as an agent of a foreign principal under FARA. In other words, for a private citizen, FARAs entire impact is in requiring disclosure. But for public officials, 219 actually prohibits such individuals from acting as foreign agents. Thus, whereas a private citizen need only apprise the Justice Department if they are receiving funds from foreign principals to influence U.S. policy, public officials may not receive such funds, periodand face felony charges if they do. ( N.B. : Theres an interesting question about whether transition officials might qualify as public officials for purposes of 219. Im skeptical, but at least in XXXX case, theres still the issue of whether he was continuing to serve as an agent of a foreign power on and after XX/XX/XXXX, when he became the National Security Advisor. ) At another level, the Department of Justice FARA Department has established a number of routine enforcement initiatives, from reviewing a wide range of publications for indications of activities by unregistered agents to reviewing the filings of registered agents and conducting audits or inspections of their books and records. Almost all of the Unit 's civil enforcement actions, including the so-called " XXXX films cases, '' XXXX v. XXXX, XXXX U.S. XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX XXXX ( D.C . Cir. ), cert. den. XXXX XXXX XXXX, reh. den. XXXX U.S XXXX ( XXXX ), were developed in this fashion. The Unit also works closely with the law enforcement and intelligence community components who provide reports on potential violations of the Act. The Unit 's less frequent criminal prosecutions have primarily come from this source -- most recently an IRS investigation in XXXX ( the XXXX case ) and previously, a XXXX XXXX Government investigation of internal corruption ( the XXXX case ). CONCLUSION : I have no contract with XXXX XXXX XXXX XXXX. and I will not support their illegal activities by using government forms to liquidates homes and then lying about monies collected from illegal foreclosures. I challenge their presentment and now the ball is in the court of XXXX XXXX dba XXXX XXXX XXXX XXXX, XXXX XXXX, the McCalla Raymer Leibert Pierce LLC group of attorneys. They are directed to complete the Verification as mandated by FDCPA Section 809 an affidavit under oath by an officer with Notary Seal Affixed. I am directing the debt collectors to abide to Federal Trade Commission Act. The required task is easy. Complete the verification and I can pay you off in case XXXX XXXX is the creditor and not violating fact that Statute of Limitation prohibits any pretender lender to attempt to illegally seize my home. XXXX XXXX General Director XXXX XXXX XXXX XXXX XXXX XXXX ( c ) ( 3 )
05/16/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	GA 30038	Web
DEBT COLLECTOR AND DEBT COLLECTION AGENCY ATTEMPTING TO COLLECT AN ALLEGED DEBT THAT WAS PAID. Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall send the consumer a written notice containing- ( a ) Notice of debt ; and contents. Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX did not send XXXX XXXX XXXX a Notice of debt ; and contents before, since or to date. A validation letter was requested from Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX which are debt collection agency and a debt collector. A validation letter was never received from Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX. XXXX XXXX XXXX requested Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX which are debt collection agency and a debt collector to cease all communication for an alleged debt and stop collections attempts towards him that violated the Fair Debt Collection Practices Act. Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX violated the Fair Debt Collection Practices Act by attempting to collect and allege debt directly and indirectly by a debt collection agency and a debt collector before, since or to date that has never been verified and or validated the allege debt as required by Georgia Law, State and Federal Law. XXXX XXXX XXXX did not default on his mortgage payments/loan and provided the proof of payments that was in questioned by Escalation Manager for XXXX, XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX which are debt collection agency and a debt collector that was hired by XXXX. See exhibits, I and J. Escalation Manager for XXXX, XXXX XXXX admitted on XXXX, XXXX, XXXX and admitted Ok, XXXX XXXX I do see where there are four ( 4 ) payments that was misapplied '' It is a material fact that Attorney for XXXX, [ XXXX XXXX XXXX, XXXX ] on XX/XX/XXXX admitted to receiving a copy to the Complaint that was filed, and all relevant information in this matter. He received the recorded admission of XXXX Escalation Manager XXXX XXXX admitting on XXXX, XXXX, XXXX that in fact XXXX XXXX XXXX payments had been received by XXXX but that those payments were misapplied and not credited to XXXX XXXX XXXX account. Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX had knowledge of the conversation and the admission of XXXX Escalation Manager XXXX XXXX admitting on XXXX, XXXX, XXXX that in fact XXXX XXXX XXXX payments had been received by XXXX but that those payments were misapplied and not credited to XXXX XXXX XXXX account. Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX are debt collection agency and debt collector. Both were aware that their client XXXX XXXX Bank XXXX. and XXXX XXXX XXXX Co XXXX had XXXX XXXX home published in an advertisement in the newspaper for foreclosure sale of Property at a time when XXXX XXXX XXXX was not in default. Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX having full knowledge of the facts and material facts that XXXX XXXX XXXX was not in default and willfully attempted to collect an alleged debt that was willful. See exhibits, H, K and L Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX are debt collection agency and debt collector and were aware that their client XXXX XXXX Bank XXXX. and XXXX XXXX XXXX Co XXXX promised not to foreclose on XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX are debt collection agency and debt collector and were aware that their client XXXX XXXX Bank XXXX. and XXXX XXXX XXXX Co XXXX promised to settle this matter accordingly and still attempted to collect and alleged debt. See exhibit N Admission for Attorney XXXX XXXX XXXX, My client has asked me to reach out to you again regarding a possible mediation and possible settlement. If, you are interested when is a good time for a call? I can make time next Tuesday or Thursday if either of those work for you. Please let me know. Thanks, XXXX XXXX. See exhibit N Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX having full knowledge of the facts and material facts [ Promissory estoppel ] willfully attempted to collect an alleged debt that was willful. MCCALLA RAYMER LEIBET PIERCE, LLC ADMISSION ABOUT XXXX XXXX XXXX The firm is also pleased to announce that XXXX XXXX, previously a partner in the firms XXXX XXXX XXXX, has been named Managing Partner of the firms Georgia XXXX XXXX XXXX XXXX XXXX. XXXX XXXX began his legal career as an associate in the creditors rights group at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX in XXXX. XXXX joined XXXX in XXXX as a senior associate in the XXXX XXXX and XXXX XXXX, and was named a partner in that group in XXXX. XXXX has extensive experience in XXXX foreclosure confirmation law and enforcement of debt instruments. XXXX broad creditors rights practice includes the representation of lenders in all aspects of loss mitigation and litigation, including workouts, actions for receivers, confirmation actions, deficiency actions, collections, and representation of creditors in bankruptcy cases. He will be based out of the firms XXXX, XXXX office and will oversee all litigation matters in XXXX XXXX has extensive experience in XXXX foreclosure confirmation law : Georgia law doesn't give borrowers a statutory right of redemption after a nonjudicial foreclosure. Once your Georgia home has been foreclosed, you can't redeem it. MCCALLA RAYMER LEIBET PIERCE, LLC ATTEMPT TO COLLECT AN ALLEGED DEBT 1. Dismiss Plaintiffs Amended Complaint with prejudice ; and 2. Grant Defendant all such other relief as is just and equitable. RESPECTFULLY SUBMITTED this XXXX day of XXXX, XXXX : McCALLA RAYMER LEIBERT PIERCE , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Direct and Fax XXXX Counsel for XXXX XXXX Bank, XXXX. XXXX. XX/XX/XXXX ( XXXX. XXXX ) WAIVER OF SERVICE Returned Executed by XXXX XXXX XXXX Bank XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX waiver mailed on XX/XX/XXXX, answer due XX/XX/XXXX. ( XXXX, XXXX ) ( Entered : XX/XX/XXXX ) XXXX. XX/XX/XXXX ( XXXX. XXXX ) MOTION to Dismiss Complaint with Brief In Support by XXXX Bank, XXXX XXXX XXXX XXXX Co, XXXX XXXX XXXX Bank XXXX XXXX. ( Attachments : # XXXX Brief XXXX ) ( XXXX, XXXX ) ( Entered : XX/XX/XXXX ) XXXX. XX/XX/XXXX ( XXXX ) MOTION for Extension of Time to File Answer re XXXX Amended Complaint, by XXXX Bank XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX NA. ( Attachments : # XXXX Text of Proposed Order ) ( XXXX, XXXX ) ( Entered : XX/XX/XXXX ) It is clear and undisputed that Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX are debt collection agency and debt collector and willfully attempted to collect an alleged debt from XXXX XXXX XXXX directly and indirectly. MCCALLA RAYMER LEIBET PIERCE, LLC FRAUDULENTLY CONCEALED IDENTITY The plain language on the website of Mc Calla Raymer Leibet Pierce, clearly states Mc Calla Raymer Leibet Pierce, [ Foreclosure ] and ( MRLP ) represents lenders, servicers, and investors in non-judicial and judicial foreclosures across its thirteen state footprint, particularly Georgia. See Exhibit A The plain language on the website of Mc Calla Raymer Leibet Pierce, clearly states Mc Calla Raymer Leibet Pierce, [ Litigation ] at Mc Calla Raymer Leibet Pierce, we understand that our clients face many risks, from a pro se foreclosure contest to a complex title curative dispute to a jury trial with allegations of fraud and consumer protections violations. And our litigators are not foreclosure attorneys who able in litigation-we are separate litigation departments comprised of true trial lawyers, with decades of combined experience handling thousands of trials and appeals of all kinds. XXXX XXXX asked Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX are you a debt collection agency and a debt collector. Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX replied, that a legal question and never answered the question. However, Mc Calla Raymer Leibet Pierce, LLC website explains it best, Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX are a debt collection agency and a debt collector attempting to collect an allege debt from XXXX XXXX XXXX Pro XXXX. Furthermore, Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX has sent over forty ( 40 ) letters to XXXX XXXX XXXX from the Law Firm, with the Law Firm, Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX name on the letters and none of the letters states that Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX is a debt collection agency and a debt collector. Tellingly, XXXX XXXX XXXX XXXX XXXX, XXXX and Attorney XXXX XXXX XXXX have been emailing XXXX XXXX XXXX starting around and about XXXX and to date. The signature of the emails display : XXXX XXXX, XXXX. Managing Partner, AL / GA / MS Litigation McCalla Raymer Leibert Pierce , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Office : ( XXXX ) XXXX / Ext. XXXX XXXX Licensed in Georgia XXXX Florida " Pursuant to the Fair Debt Collection Practices Act, you are advised that this office may be deemed to be a debt collector and any information obtained may be used for that purpose. '' Consequently, " Pursuant to the Fair Debt Collection Practices Act, you are advised that this office may be deemed to be a debt collector and any information obtained may be used for that purpose. '' is false and misleading. Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX has willfully and intentional fraudulently concealed their identities for the sole purpose of debt collection. 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. The elements of fraudulently concealed their identities exists in the instant matter. Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX remained silent and failed to disclose material facts despite a duty to do so. VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX violation of the Fair Debt Collection Practices Act is clear and unambiguous. Communication with the consumer generally : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. XXXX XXXX XXXX did not give XXXXc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX XXXX permission. Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX do not have express permission in writing from the Court. Harassment or abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : XXXX XXXX XXXX received several phone calls, several emails, and several letters about an alleged debt that Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX has stated remains unsatisfied. False or misleading representations : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX mislead XXXX XXXX XXXX by stating in the emails " Pursuant to the Fair Debt Collection Practices Act, you are advised that this office may be deemed to be a debt collector and any information obtained may be used for that purpose. Unfair practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX attempted to collect an allege debt amount, interest, fees and other charges from XXXX XXXX XXXX. Validation of debts : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX within five days after the initial communication with XXXX XXXX XXXX did not send a validation letter of the allege debt. CONCLUSION Let the truth be told, Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX attempted to collect an allege debt from XXXX XXXX XXXX starting around and about XXXX and to date without validation of the allege debt. And or any personal knowledge of the facts, material fact and undisputed material facts that occurred between to XXXX XXXX Bank XXXX, XXXX XXXX XXXX Co XXXX and XXXX XXXX XXXX. Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX starting around and about XXXX received competent evidence from XXXX XXXX Bank XXXX. and XXXX XXXX XXXX Co XXXX that XXXX XXXX XXXX did not default on his mortgage payments/Loan. And Escalation Manager for XXXX, XXXX XXXX admitted on XXXX, XXXX, XXXX and admitted Ok, XXXX XXXX I do see where there are four ( 4 ) payments that was misapplied ''. XXXX XXXX Bank XXXX, XXXX XXXX XXXX Co XXXX and XXXX XXXX XXXX determined that the case could settle and agreed to settle. XXXX XXXX Bank XXXX, XXXX XXXX XXXX Co XXXX stated they did not want to litigate this matter. However, Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX has taking it upon themselves to litigate this matter and attempted to collect an alleged debt. Please see exhibits in support of XXXX XXXX XXXX claims of Unlawful debt collection by Mc Calla Raymer Leibet Pierce, LLC and Attorney XXXX XXXX XXXX. CONTACT INFORMATION FOR MCCALLA RAYMER LEIBERT PIERCE LLC McCalla Raymer Leibert Pierce , LLC Georgia ( XXXX ) XXXX Attn : XXXX XXXX, XXXX. Managing Partner, AL / GA / MS Litigation McCalla Raymer Leibert Pierce , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Office : ( XXXX ) XXXX / Ext. XXXX XXXX XXXX
07/14/2023	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30122	Web
This complaint is concerning the joint actions of individuals to exploit a single financial contract originated in XXXX by XXXX XXXX XXXX XXXX recorded and identified as # XXXX in XXXX XXXX XXXX XXXX of the XXXX XXXX Georgia Land records . These individuals and entities deliberately ignore the multiple ways this transaction is completely void and uncollectible. Without rehashing the 17 year history of fraud and exploitation linked to this one single transaction that can and has been tracked and documented, I will state the key points that make the identified transaction void and uncollectible. Conformation of Rescission received at XXXX on XX/XX/XXXX This transaction has been fully paid multiple times. At no time has any servicer or representative sent a letter or request for payment on loan # XXXX, yet this is the deed being presented as being in default. XXXX demanded payment on loan # XXXX XXXX was made to surrender their mort. License for their fraudulent mortgage servicing files and practices. -XXXX XXXX XXXX XXXX demanded payment on loan XXXX XXXX XXXX XXXX is currently under consent orders again for a list of indiscretions too long to list, all mortgage related. XXXX XXXX sent letters demanding payment on loan # XXXX First, the identified transaction # XXXX was lawfully rescinded XX/XX/XXXX XXXX XXXX ( per Georgia and Federal law ) confirmation of delivery retained and all parties involved in this scheme have full knowledge of this fact. Transaction # XXXX was but 1 of 2 transactions rescinded to terminate the failed agreement with XXXX in XXXX. Notice is all that was required with XXXX in XXXX to terminate the contracts. Tila Rescission is a statutory law to provide a private, non-judicial process to rescind mortgage loans. This is no secret to those addressed in this complaint. Rescission may create a controversy and in this case XXXX could have filed suit to have a court settle any alleged controversy in XXXX, but XXXX did not. Secondly, The Security Deed and related NOTE identified by transaction # XXXX recorded XX/XX/XXXX in XXXX XXXX XXXX XXXX has been fully and legally satisfied by payment being received and applied to the transaction on XX/XX/XXXX in the amount of {$130000.00} ( {$130000.00} in Principal and {$4100.00} interest ) leaving NO remainder. In NonJudicial Foreclosure states servicers have no fear of ignoring the statutory law of rescission. Payments become extortion, if you don't pay, they foreclose. The transaction history sheet of loan # XXXX from XXXX has been provided to XXXX, XXXX XXXX XXXX XXXX, and the law offices of McCalla Raymer Leibert Pierce as they presented themselves to be representing XXXX XXXX, the servicer of a trust by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Tracing the most recent bogus chains of title we start with the fabrications of XXXX XXXX with the aid of XXXX. XXXX presents as a servicer for XXXX XXXX and demands that I pay on Loan # XXXX. Immediately, I got successive letters from XXXX denying a request that I never made, because I had no affiliation at all with XXXX. I asked XXXX to verify this debt and loan # XXXX they were demanding payment for and they sent a copy of the deed recorded and identified as Loan # XXXX, which is the deed and note I have record of as being fully paid. After 10 years of refusing to file the cancellation of # XXXX XXXX records two successive assignments to facilitate the attempted theft of my property by XXXX XXXX as the servicer for XXXX XXXX. Unfortunately, transaction # XXXX with all of its flaws and fabrications was bundled and sold to XXXX as a whole loan transaction XX/XX/XXXX. The absence of transparency in the mortgage industry hid the knowledge of XXXX having purchased the bogus transaction from me until about XXXX. Once I was aware of XXXX involvement from that point forward I maintained direct dialogue with XXXX to gain information pertaining to what took place with the transaction. This is reason # 1 why XXXX did not acquire this transaction through its purchase of some of XXXX assets. XXXX was kind enough to send written confirmation of their purchase date and at most XXXX would have only been a servicer if the contracts had not been rescinded. My primary work was with the XXXX XXXX XXXX XXXX since the XXXX and during the early and mid XXXX I was also a XXXX XXXX XXXX and working as XXXX on a team tasked with addressing the concerns of laws enacted to shore up the housing market and the economy. XXXX XXXX XXXX XXXX had a limited POA that was no longer valid when XXXX filed those unlawful claims of ownership that contradict XXXX claim of ownership of transaction # XXXX. XXXX direct became the only reliable source of information pertaining to transaction # XXXX and its true history. I requested the complete loan file to audit and was shocked at the ridiculous information that was submitted on the loan application and that was supposed to have been completed by me and obviously was not. I knew the information from XXXX XXXX was absolutely false. However, I needed current confirmation of no balance owed to XXXX XXXX since XXXX XXXX says in their correspondence that they are collecting on behalf of XXXX XXXX. The loan was unknown to me and unrecorded. XXXX XXXX was kind enough to research not only the XXXX account number and XXXX recorded number ( XXXX ) that was associated with the aforementioned Deed in question, they also searched for the alleged loan number of XXXX XXXX ( # XXXX XXXX and there was nothing to be found. Then we requested a search using the property address and no debts of any kind related to the property address of XXXX XXXX XXXX XXXX XXXX GA XXXX were found. XXXX XXXX stated and confirmed they had no interest in my property. I provided a very long list of correspondence and contacts from prior years that contradicted what XXXX XXXX was claiming to support my claims of wrongdoing being done in the name of the XXXX and a XXXX supervisor was quite willing to assist me. The harm of XXXX XXXX and others creating loan numbers at will, can be found in many cases and not just mine. For example, a case was presented to me where another Georgia family was threatened to be taken to the courthouse steps three times while XXXX XXXX was acting as a servicer for XXXX. The recorded deed and note were full paid. The Court ordered the filing of the cancellation of the Deed. Yet, the family was driven to court multiple times thereafter to put a stop to the sale of their home by foreclosure. These so called servicers were represented by law firms acting as debt collectors. None of these alleged loan numbers have a loan file to support them nor can it be reasonably assumed that the bogus loan numbers are cross referenced with the actual recorded deed or account as all accounts would reflect the full paid status. I have spent more than 25 years working with cross referenced systems. Servicing accounts is not the goal evident here, rather the liquidation of assets is what is in view. There is no due diligence and the parties already are aware of the non-viability of most of these transactions. XXXX XXXX knowingly participated in filing false documents against my property attempting to defraud by misrepresenting that they were acting on behalf of XXXX which XXXX denied. XXXXXXXX XXXX XXXX XXXX XXXX XXXX mails me letters stating that the servicing of the loan ( I did not have ) with XXXX XXXX has now been transferred to XXXX XXXX to collect for XXXX XXXX. Then XXXX XXXX demands payment on loan number # XXXX. Another loan number and another misrepresentation of collecting for XXXX XXXX. During the pandemic and after documentation had been sent to XXXX XXXX this company tried to list my property for sale on a non-public online foreclosure auction site and a realtor did not find any other public notice of the sale. I was in the hospital and a law firm was participating in that scheme XXXX XXXX XXXX XXXX XXXX conspired and did cause to be filed in the XXXX XXXX Ga recorder 's office false documents. I provided documentation to XXXX XXXX more than once and they were to verify and contact me back and the next thing I get is a letter from XXXX. XXXX XXXX sent a letter through the mail stating that the servicing of the loan that XXXX XXXX XXXX claim for XXXX was now transferred to XXXX XXXX. Then a week or so later I was informed the alleged loan was now owned by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presents themselves to be the servicer for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX further claims the TRUST they are servicing purchased loan number # XXXX from XXXX XXXX. The loan that XXXX XXXX claimed to be servicing for XXXX XXXX that XXXX has no knowledge of. XXXX XXXX is sending letters now demanding payment on XXXX # XXXX. There are no recorded transactions linked with that number either. Multiple times have I furnished the same information to XXXX as I have with the other listed above. I have been promised call backs and none are received. I have been given the name and title of specific individuals who are to receive the information only to find out when I call back for a status that no one knows the individuals and the specialized department is apparently fictitious. XXXX XXXX is the name on a form letter and she is supposed to be a member of XXXX Executive Resolution Team. The contact number for this person goes to an individual that may have been at home and had never heard of the Executive Resolution Team. Then there is the XXXX XXXX the Ombudsman that no one knows and another fake position no representative is aware of. The representatives state quite freely that they buy mortgages in bulk and they can not verify the transactions and that they dont have too. XXXX XXXX letters state that they are a debt collector and they do not verify the debts although due diligence is a requirement, but most certainly when it is brought to their attention that there is an error they should make the effort. XXXX XXXX engaged the law firm of McCalla Raymer Leibert Pierce to aid them in foreclosing on my property. XXXX XXXX had me following endless trails to nowhere waiting for the information to get in specialized hands that apparently could not be found. This began with XXXX in XXXX. While XXXX had me pursuing and waiting for ghosts, XXXX hired McCalla Raymer Leibert Pierce to liquidate by foreclosure. I had a family member that had a XXXX XXXX went into XXXX and died shortly thereafter. The week following the funeral and still no response from XXXX, I took documented proof directly to the offices of McCalla Raymer Leibert Pierce at the direction of XXXX XXXX. We recorded what was in the envelope and delivered it directly to the law office hired by XXXX. When I entered their office they authenticated my identity and asked for the last four digits of my SSN. The staff was quite welcoming until I stated the error that was about to take place and that their client was not responding to information that had been provided. McCalla Raymer Leibert Pierce told me they can not accept any information from me in their office, however their debt collection letter to me stated no specific process. I was told I would have to send documents by fax or email to a specialized team. This person has authenticated my identity and understands that her law office is planning to foreclose on my paid for home in the matter of less than a week. Why did the person not forward the documents to the appropriate person or team within her law firm? She verified my identity. Having no options other than another potential runaround and delay. I left the information with their office that verified no balance and the fact that transaction # XXXX was rescinded in XXXX and I know that the law office of McCalla Raymer Leibert Pierce knows the statutory law of TILA Rescission. This file was left in their office at XXXX XXXX XXXX XXXX, GA XXXX on XX/XX/XXXX approximately XXXX XXXX after a 20+ minute visit and was also emailed to said specialized team. XX/XX/XXXX McCalla Raymer Leibert Pierce conducted a public auction on the XXXX XXXX courthouse steps late in the afternoon, hours after a morning auction by XXXX wherein they had another property auctioned off. Someone would show up at my home XX/XX/XXXX with a notice to post on my home dated the day of the sale XX/XX/XXXX. This young man stated he worked for the company ( XXXX XXXX XXXX XXXX XXXX ) that purchased my home for foreclosure. I informed him that was not possible because there was no balance owed on my home and that there is an error and he stated that McCalla Raymer will rescind as it happens quite a bit and that his employer would get their money back. Although, the young man stated that there was no foreclosure deed filed or provided he was attempting to post something on my door. McCalla Raymer Leibert Pierce failed in due diligence to verify the alleged debt. Conclusions XXXX XXXX mailed me letters demanding payment on Loan # XXXX XXXX claims trust purchased loan from XXXX XXXX XXXX XXXX XXXX XXXX mailed me letters demanding payment on loan # XXXX as Servicer for XXXX XXXX XXXX mailed letters stating service transferred from XXXX XXXX on behalf XXXX XXXX XXXX XXXX mails me letters demanding payment on loan # XXXX as Servicer on behalf of XXXX None of these loans have I entered into. XXXX extorted over {$210000.00} out of me. XXXX has a very long history of complaints of people waiting for and petitioning congressional reps about delaying and refusing to file cancellations of deeds in county records, most especially those tied to suites and settlements. I have not read a single deed or note that stipulates that the homeowner agrees to pay additional or any amount towards an unknown unrecorded account. Not one alleged servicer, alleged owner, or attorney has sent a letter requesting payment on the only recorded loan # XXXX. They are aware that it is uncollectible having been rescinded and more than fully paid. XXXX XXXX even stated they could not accept a payment with loan # XXXX on it. There is no possibility of a default on loan # XXXX if no one has requested a payment on that loan Power of sale clause in a deed that is not in default can not be exercised. How is this any different than XXXX XXXX creating accounts without the knowledge of their customers and transferring funds to accounts without customers knowledge?
07/04/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	GA 30038	Web
The Consumer Financial Protection and the Federal Trade Commission [ Federal Fair Debt Collection Practices Act ( FDCPA ) ] violations here, arise out of litigation activities offered as part of Managing Partner Attorney XXXX XXXX XXXX practice of law which arguably occur exclusively within the Firms McCalla Raymer Leibert Pierce , LLC relationship with its clients, particularly XXXX. In addition to, violation of the Cease-and-Desist, Violation of Regulation F and Violation of 15 U.S. Code 1692c Communication in connection with debt collection that violated the Consumer Financial Protection and the Federal Trade Commission [ Federal Fair Debt Collection Practices Act ( FDCPA ) ] starting around and about XX/XX/XXXX to date. In the instant complaint Managing Partner Attorney XXXX XXXX XXXX has attempted to collect a allege debt directly and indirectly from Complainant that was paid in full. Managing Partner Attorney XXXX XXXX XXXX when asked by Complainant are you a debt collector. Managing Partner Attorney XXXX XXXX XXXX admitted those were legal questions and never disclose a material fact. Managing Partner Attorney XXXX XXXX XXXX by admitting, [ " Pursuant to the Fair Debt Collection Practices Act, you are advised that this office may be deemed to be a debt collector and any information obtained may be used for that purpose ], '' is deceptive practice. Managing Partner Attorney XXXX XXXX XXXX litigation practices violate the FDCPA and XXXX. Managing Partner Attorney XXXX XXXX XXXX a licensed attorney, regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another through consumer-debt-collection litigation. Managing Partner Attorney XXXX XXXX XXXX is therefore a debt collector under the FDCPA. 15 U.S.C. 1692a ( 6 ). The definition of a debt collector explained by the Federal Trade Commission. Debt Collector means any Person who uses any instrumentality of interstate commerce or the mail in any business the principal purpose of which is the collection of any Debts, or who regularly collects or attempts to collect, directly or indirectly, Debts owed or due or asserted to be owed or due another. The term also includes any creditor who, in the process of collecting its own Debts, uses any name other than its own which would indicate that a third Person is collecting or attempting to collect such Debts. The term also includes any Person to the extent such Person collects or attempts to collect any Debt that was in default at the time it was obtained by such Person. Violation of the Fair Debt Collection Practices Act, FDCPA 's prohibitions on harassment and abuse, false or misleading representations, and unfair practices by debt collectors when collecting consumer debt directly or indirectly. Managing Partner Attorney XXXX XXXX XXXX meets the definition of a debt collector explained by the Federal Trade Commission. Consumers may act to avoid injury before it occurs if they have reason to anticipate the impending harm and the means to avoid it, or they may seek to mitigate the damage afterward if they are aware of potential avenues toward that end. It is a fact, material fact, and undisputed material fact that Managing Partner Attorney XXXX XXXX XXXX received proper notice to cease -and -desist as required by Georgia Law and Federal Law. Managing Partner Attorney XXXX XXXX XXXX received proper notice and continued with collections attempts that violated the Cease-and-Desist, Violation of Regulation F and Violation of 15 U.S. Code 1692c Communication in connection with debt collection that violated the Consumer Financial Protection and the Federal Trade Commission [ Federal Fair Debt Collection Practices Act ( FDCPA ) ] starting around and about XX/XX/XXXX to date. It is a fact, material fact and undisputed material fact that On XX/XX/XXXX Escalation Manager, XXXX XXXX, admitted, " Ok, XXXX XXXX I do see where there are four ( 4 ) payments that was misapplied. Escalation Manager, XXXX XXXX is an employee of XXXX. Escalation Manager, XXXX XXXX admitted XXXX received the {$600.00} and XXXX XXXX XXXX bank statement was not required. It is a fact, material fact and undisputed material fact that Proof of payment is a matter of record with Managing Partner, Attorney XXXX XXXX XXXX, and McCalla Raymer Leibert Pierce , LLC. There are no ambiguities surrounding Complainant starting around and about XXXX to date received text messages from Managing Partner, Attorney XXXX XXXX XXXX, that failed to identify the senders as debt collectors that violated both the Consumer Financial Protection and the Federal Trade Commission [ Federal Fair Debt Collection Practices Act ( FDCPA ) ] starting around and about XX/XX/XXXX to date. Managing Partner, Attorney XXXX XXXX XXXX, failure to Provide Statutorily-Required Notices and Disclosures to Complainant sent Complainant a series of text messages, typically not disclosing that the company is a debt collector violated both the Consumer Financial Protection and the Federal Trade Commission [ Federal Fair Debt Collection Practices Act ( FDCPA ) ]. It is welled settled that a homeowner 's promissory note, secured by a mortgage on the property, constitutes a " debt '' under the FDCPA. See XXXX XXXX XXXX, Painter, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) The failure to Provide Statutorily-Required Notices and Disclosures by Managing Partner Attorney XXXX XXXX XXXX to Complainant starting around and about XX/XX/XXXX to date has caused Complainant mental pain and suffering, emotional distress, injuries, damages, monetary damages, harm, and irreparable harm thats severe. It has also caused Complainant both time and money for the failure to Provide Statutorily-Required Notices and Disclosures to Complainant starting around and about XX/XX/XXXX and to date. " Debt '' means any obligation or alleged obligation of a Consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. The Bureau also contends that the types of misconduct alleged above violate 12 U.S.C. 5536 ( a ) ( 1 ) ( A ), which makes it unlawful to offer or provide to a consumer any financial product or service not in conformity with Federal consumer financial law, or otherwise commit any act or omission in violation of a Federal consumer financial law. ( Resp. at XXXX. ) In other words, a violation of the FDCPA is also a violation of the CFPA under this subsection. Managing Partner, Attorney XXXX XXXX XXXX violated both Consumer Financial Protection and the Federal Trade Commission [ Federal Fair Debt Collection Practices Act ( FDCPA ) ]. LITIGATION ACTIVTIES OF MANAGING PARTNER, ATTORNEY XXXX XXXX XXXX : Managing Partner, Attorney XXXX XXXX XXXX is a licensed attorney, regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another through consumer debt-collection litigation. Managing Partner, Attorney XXXX XXXX XXXX litigation activity is not entitled to the bona fide error defense. [ A ] lawyer who regularly tries to obtain payment of consumer debts through legal proceedings is a lawyer who regularly `attempts ' to `collect ' those consumer debts. See XXXX XXXX XXXX XXXX Supreme Court, XXXX The United States Supreme Court also held that the FDCPA " applies to the litigating activities of lawyers '' engaged in debt collection activities See XXXX XXXX XXXX XXXX Supreme Court, XXXX This conduct can include litigation, and " documents filed in court in the course of judicial proceedings to collect on a debt... are subject to the FDCPA. '' The statutory text is entirely clear : the FDCPA applies to lawyers and law firms who regularly engage in debt-collection activity. The Supreme Court 's holding aligned with the FDCPA 's definition of " debt collector. '' See id. at 294, 115 S. Ct. at 1490-91 ( citing 15 U.S.C. 1692a ( 6 ) ). " In ordinary English, '' the Court reasoned, " a lawyer who regularly tries to obtain payment of consumer debts through legal proceedings is a lawyer who regularly `attempts ' to `collect ' those consumer debts. '' See id. at XXXX, XXXX XXXX at XXXX ( citing XXXX 's XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( " To collect a debt or claim is to obtain payment or liquidation of it, either by personal solicitation or legal proceedings. " ) ). In the instant complaint, complainant and respondent is not engaged in any litigation between XXXX vs. XXXX XXXX XXXXXXXX Managing Partner, Attorney XXXX XXXX XXXX is ligating a case for the Debt Collection Agency for XXXX, XXXX vs. XXXX XXXX Bank, XXXX A. that none of these issues and or dispute in involved. The dispute is Wrongful Attempted Foreclosure by XXXX XXXXXXXX XXXX XXXX XXXX. that is ongoing. VIOLATION OF CEASE-AND-DESIST BY ATTORNEY XXXX XXXX XXXX It XXXX XXXX XXXX, material fact, and undisputed material fact that Managing Partner, Attorney XXXX XXXX XXXX received proper notice to cease -and -desist as required by Georgia Law and Federal Law Managing Partner, Attorney XXXX XXXX XXXX received proper notice and continued with collections attempts that violated the Cease-and-Desist, Violation of Regulation F and Violation of 15 U.S. Code 1692c Communication in connection with debt collection that violated the Consumer Financial Protection and the Federal Trade Commission [ Federal Fair Debt Collection Practices Act XXXX FDCPA XXXX ] starting around and about XX/XX/XXXX to date. Managing Partner, Attorney XXXX XXXX XXXX violated the Cease-and-Desist. Managing Partner, Attorney XXXX XXXX XXXX has not gotten permission from the Court to communication with Complainant before, since or to date. TEXT MESSAGES DID NOT IDENTIFY THE SENDERS AS DEBT COLLECTOR At the Federal Trade Commissions request, federal courts in New York and Georgia have temporarily halted three debt collection operations that allegedly violated federal law by threatening and deceiving consumers via text messages, emails, and phone calls. The FTC seeks to permanently end the unlawful practices. The texts failed to identify the senders as debt collectors. We begin with XXXX ' contention that the district court erred in granting summary judgment against her on the FTC Act and FDCPA claims. We review de XXXX a district court 's decision to grant summary judgment. See XXXX XXXX v. XXXX XXXX, XXXX XXXX ( XXXX Cir. XXXX ). It is a fact, material fact and undisputed material fact in the instant Complainant the text messages received by Complainant and texted by Managing Partner, Attorney XXXX XXXX XXXX, failed to identify the senders as debt collectors. Summary Judgment is appropriate against Managing Partner, Attorney XXXX XXXX XXXX. Managing Partner, Attorney XXXX XXXX XXXX litigation activity is not entitled to the bona fide error defense for violation of the Cease-and-Desist, Violation of Regulation F and Violation of 15 U.S. Code 1692c Communication in connection with debt collection that violated the Consumer Financial Protection and the Federal Trade Commission [ Federal Fair Debt Collection Practices Act ( FDCPA ) ] starting around and about XX/XX/XXXX to date.
02/20/2023	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	GA 30038	Web
SUBJECT MATTER : TEXT MESSAGES OCCURED CLOSE TO XXXX MIDNIGHT AND AFTER XXXX WITHOUT A LEGAL BASIS OR LEGAL REASON FOR THE SOLE PURPOSE OF HARASSMENT. PLEASE SEE AFFIDAVIT OR RESPONDENT ADMISSION. McCalla Raymer Leibert Pierce , LLC, is a Law Firm-mill and its Managing Partner, Attorney XXXX XXXX XXXX XXXX XXXX like a mill and violated Federal Law and State Law in Georgia. There is no litigation in any Court between McCalla Raymer Leibert Pierce , LLC, and its Managing Partner, Attorney XXXX XXXX XXXX and Respondent can respond to this Complaint because there is no litigation involved with the subject matter, text messages. The Consumer Financial Protection Bureau and the Federal Trade Commission [ XXXX Fair Debt Collection Practices Act ( FDCPA ) ] violations here, arise out of litigation activities offered as part of Managing Partner Attorney XXXX XXXX XXXX practice of law which arguably occur exclusively within the Firms of McCalla Raymer Leibert Pierce , LLC relationship with its clients, particularly XXXX. Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit in a federal district court against a XXXX firm, XXXX XXXX XXXX XXXX XXXX XXXX and its three principal partners for operating a debt collection lawsuit mill that uses illegal tactics to intimidate consumers into paying debts they may not owe. Complainant would like to direct the Consumer Financial Protection Bureau to the attachment and admission of McCalla Raymer Leibert Pierce , LLC the Law Firm-mill and its Managing Partner, Attorney XXXX XXXX XXXX XXXX XXXX texting Complainant : Also on Monday, XX/XX/XXXX, at XXXX p.m., Plaintiff sent me a text message that stated that he was adviced [ sic ] to grant the extension. I responded that I would prepare a consent order for Plaintiff to review Respondent willfully and intentionally misrepresented to the Consumer Financial Protection Bureau that, We are a law firm and not a collection agency which will contact borrowers within certain times of the day. There were no communications by text. The Consumer Financial Protection Bureau only need to look at the companys website to confirm McCalla Raymer Leibert Pierce , LLC is a debt collection agency. The misleading admission to Complainant and Public, " Pursuant to the Fair Debt Collection Practices Act, you are advised that this office may be deemed to be a debt collector and any information obtained may be used for that purpose is misleading and a material fact that is not in dispute. Respondent admission, There were no communications by text, is contradicted by Respondent own admission in the below Complaints and the attached affidavit that is not in dispute that communications by text occurred between Complainant and Managing Partner, Attorney XXXX XXXX XXXX. Furthermore, the text messages failed to identify the senders as debt XXXX, and XXXX received several text messages close to 12 midnight when XXXX was asleep. Respondent, Managing Partner, Attorney XXXX XXXX XXXX never received permission to text message Complainant and the Managing Partner, Attorney XXXX XXXX XXXX text message Complainant several times while he was working mostly from home and traveling a lot. There was no company phone at the airport ( s ) or at the hotel ( s ) for Managing Partner, Attorney XXXX XXXX XXXX to conduct McCalla Raymer Leibert Pierce , LLC business for their client ( s ). Communications by text occurred to respond in a timely manner. XXXX XXXX, Attorney XXXX XXXX XXXX admitted to the XXXX that he work mostly from home and travels a lot. But he did not disclose that none Attorneys at McCalla Raymer Leibert Pierce , LLC are researching his cases, drafting affidavits for him, drafting pleadings for him, signing those pleading for him and filing those pleadings and affidavits with the Court for him while he works mostly from home and travels a lot. It may be true, but not certain that McCalla Raymer Leibert Pierce , LLC, and its Managing Partner, Attorney XXXX XXXX XXXX is above the law, even after admitting to violations of the law both Federal and State. Complainant can only assume that the Consumer Financial Protection Bureau must have overlooked the admission and competent evidence on record that would allow the Consumer Financial Protection Bureau to enforce the unlawful violations that was willful. DEBT VAILIDATION LETTER : McCalla Raymer Leibert Pierce , LLC, and its Managing Partner, Attorney XXXX XXXX XXXX misrepresented to the Consumer Financial Protection Bureau that a debt validation letter was attached in a previous response. The debt validation letter will prove that Complainant was not in default when XXXX declared default. The debt validation letter is not on record with the XXXX and will prove that Respondent XXXX XXXX is improper. Furthermore, McCalla Raymer Leibert Pierce , LLC, and its Managing Partner, Attorney XXXX XXXX XXXX relieved Complainant of a legal duty to make payments and admitted that Complainant should hold any payments until XXXX decide what terms is required on a pre-approved Loan Modification and Settlement. Complainant was working in Florida in XXXX on a Friday when XXXX outside XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Partner, Attorney XXXX XXXX XXXX XXXX XXXX from his cell phone and admitted Complainant should hold any payments until XXXX decide what terms is required on the pre-approved Loan Modification and Settlement. Complainant took good notes that day because he did not have permission to record Chase outside Law Firm-mill, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Partner, Attorney XXXX XXXX XXXX XXXX Complainant is relieved of his financial obligations until a pre-approve XXXX XXXX and XXXX occurs with the terms and conditions that both parties can agree upon. The real reason Complainant account has been in default and been in default since, is because of XXXX continuous unfair business practice, XXXX declaring default in early XXXX for non-payment, when XXXX was not in default for non-payment that is shown by the record with the XXXX. Complainant has demonstrated his legal basis and reason for non-payment that is not in dispute. McCalla Raymer Leibert Pierce , LLC is a Law Firm-mill and admitted to Complainant that XXXX was working on a pre-approve Loan Modification and Settlement. The Law Firm-mill admitted that Complainant should hold any payments until XXXX decide what terms is required on a Loan Modification and Settlement. McCalla Raymer Leibert Pierce , LLC, and its Managing Partner, Attorney XXXX XXXX XXXX did not disclose this material fact to the Court and willfully misrepresented to the Court Complainant has not made a payment since XX/XX/XXXX. This Complaint is about the willful misrepresentation to the Consumer Financial Protection Bureau that there was no communication by text message that is factual incorrect. See Company responses : Company responded on XX/XX/XXXX -- -- - Complaint # XXXX MRLP does not have a practice, nor do we ever contact borrowers by text message. This allegation is false. XXXX responded on XX/XX/XXXX -- -- Complaint # XXXX MRLP was not named in this lawsuit. XXXX does not have a practice, nor do we ever contact borrowers by text message. This allegation is false. In addition, MRLP does not have a policy in which we affirmatively call borrowers about debt collection. XXXX responded on XX/XX/XXXX -- -- Complaint # XXXX With regard to the first allegation, MRLP and its attorneys do not have outbound solicitation of borrower. We are a law firm and not a collection agency which will contact borrowers within certain times of the day. There were no communications by text. Company responded on XX/XX/XXXX -- - Complaint # XXXX With regard to the first allegation, MRLP and its attorneys do not have outbound solicitation/routine collection calls of borrowers. We are a law firm and not a collection agency which will contact borrowers within certain times of the day. XXXX was not trying to misrepresent the text messages to the XXXX by XXXX XXXX in our previous response to the XXXX CFPB Complaint. As you can see from the exhibits provided by the XXXX, the text messages relate to pleadings and settlement negotiations because the XXXX was XXXX XXXX and did not have outside legal counsel. Those text messages were appropriate in the legal setting to move the case along. McCalla Raymer Leibert Pierce , LLC, and its Managing Partner, Attorney XXXX XXXX XXXX willfully violated XXXX XXXX XXXX Reform and Consumer Protection Acts that is not in dispute and willfully misrepresented to the Consumer Financial Protection Bureau XXXX We are a law firm and not a collection agency which will contact borrowers within certain times of the day. There were no communications by text. Those text messages received were not appropriate in a legal setting to move the case along. Demanding Complainant to vacate his property within 90 days while the case is being appealed, before the appeal, after XXXX and close to 12 midnight is wholly without a legal basis or reason. Respondent continue to attempt to willfully misrepresent and justify Respondent unlawful text messages that was for the sole purpose of harassment. Respondent continue to harass Complainant to date that is not in dispute.
06/24/2022	No	Debt collection Mortgage debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30038	Web
McCalla Raymer Leibert Pierce , LLC received the Cease-and-Desist Letter by certified mailed and email several times and continue to attempt to collect an allege debt that was paid. It is a fact, material fact and undisputed material fact in the instant Case the text messages received by Complainant and texted by McCalla Raymer Leibert Pierce, LLC/ Managing Partner, Attorney XXXX XXXX XXXX XXXX failed to identify the senders as debt collectors. Summary Judgment is appropriate against McCalla Raymer Leibert Pierce , LLC. See Exhibits-JML-1,2, 3,4, and 5. There is no litigation between McCalla Raymer Leibert Pierce , LLC and XXXX XXXX XXXX. Complainant, XXXX XXXX XXXX files this Complaint against Respondent, McCalla Raymer Leibert Pierce , LLC [ the Firm ] for the willful and unlawful misconduct for violation of the Cease-and-Desist, Violation of Regulation F and Violation of 15 U.S. Code 1692c Communication in connection with debt collection that violated the Consumer Financial Protection and the Federal Trade Commission [ Federal Fair Debt Collection Practices Act ( FDCPA ) ] starting around and about XX/XX/XXXX to date. McCalla Raymer Leibert Pierce , LLC [ the Firm ] business principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect debts, directly or indirectly, debts owed or due or asserted to be owed or due another/ consumer. McCalla Raymer Leibert Pierce , LLC violations of the CFPB and FTC, has been willful, continuous and systematic. There are no ambiguities surrounding Complainant starting around and about XXXX to date received text messages from McCalla Raymer Leibert Pierce, LLC/ Managing Partner, Attorney XXXX XXXX XXXX XXXX that failed to identify the senders as debt collectors. McCalla Raymer Leibert Pierce , LLC received proof of payment, letter disputing the allege debt and continued the willful and unlawful misconduct, harassment, sent no validation letter of the allege debt, called Complainant more than seven ( 7 ) times in one week, and contacted Complainant before XXXX and after XXXX. There are no known Court cases that shows XXXX XXXX XXXX vs. McCalla Raymer Leibert Pierce , LLC. McCalla Raymer Leibert Pierce , LLC has not been joiner of party in any Court Cases with XXXX XXXX XXXX vs. XXXX or anyone. There are no factors that would prevent the Consumer Financial Protection and the Federal Trade Commission [ Federal Fair Debt Collection Practices Act ( FDCPA ) ] from pursuing legal action against McCalla Raymer Leibert Pierce , LLC for the willful and unlawful misconduct for violation of the Cease-and-Desist, Violation of Regulation F and Violation of 15 U.S. Code 1692c Communication in connection with debt collection that violated the Consumer Financial Protection and the Federal Trade Commission [ Federal Fair Debt Collection Practices Act ( FDCPA ) ] starting around and about XX/XX/XXXX to date. Managing Partner Attorney XXXX XXXX XXXX has managerial responsibility for the Firm and materially participates in the conduct of its affairs, including the development and approval of the collection practices and he is deemed a covered person under the CFPA. 12 U.S.C. 5481 ( 25 ). McCalla Raymer Leibert Pierce , LLC [ the Firm ] and its Managing Partner Attorney XXXX XXXX XXXX can be shut down and banned for the willful and unlawful misconduct for violation of the Cease-and-Desist, Violation of Regulation F and Violation of 15 U.S. Code 1692c Communication in connection with debt collection that violated the Consumer Financial Protection and the Federal Trade Commission [ Federal Fair Debt Collection Practices Act ( FDCPA ) ] starting around and about XX/XX/XXXX that has been continuous and systematic and to date that is clear and unambiguous. McCalla Raymer Leibert Pierce , LLC [ the Firm ] and its Managing Partner Attorney XXXX XXXX XXXX is liable for damages to Complainant. The Firm is a covered person under the CFPA and a debt collector under the FDCPA. 12 U.S.C. 5481 ( 6 ), ( 15 ) ( A ) ( x ) ; 15 U.S.C. 1692a ( 6 ). 12 CFR 1080.6 - Civil investigative demands, 1080.6 Civil investigative demands. In the instant Complaint the Bureau can investigate and request proof from the McCalla Raymer Leibert Pierce , LLC [ the Firm ] and its Managing Partner Attorney XXXX XXXX XXXX of the Cease-and-Desist violation among other things to prove their case. McCalla Raymer Leibert Pierce , LLC [ the Firm ] and its Managing Partner Attorney XXXX XXXX XXXX harassment is willful, continuous and systematic. You will : Vacate the property within 90 days of acceptance of these terms Release and waive all claims against XXXX and its counsel and representatives Consent to foreclosure of the property Move to dismiss the any litigation have pending against XXXX with prejudice within 14 days of your acceptance of these terms In exchange for the above and within 30 days of your leaving the property, XXXX will : Pay to you {$25000.00}. Waive its claim to a deficiency ( a deficiency is any further amounts due on the loan after the foreclosure sale of the property ) XXXX will not agree to stay the litigating while you consider these terms or while you seek advice from counsel. This offer will expire on XX/XX/XXXX at XXXX a.m. EST. As explained here, For the foregoing reasons, we AFFIRM the Commission 's cease and desist order. Upon affirming a Commission cease and desist order, a court of appeals must " issue its own order commanding obedience to the terms of such order .... '' 15 U.S.C. 45 ( c ). The Commission 's order is hereby ENFORCED. See Orkin Exterminating Co. , Inc. v. FTC - Court of Appeals, 11th Circuit, XXXX " `Consumers may act to avoid injury before it occurs if they have reason to anticipate the impending harm and the means to avoid it, or they may seek to mitigate the damage afterward if they are aware of potential avenues toward that end. ' '' See FTC v. XXXX XXXX XXXX XXXX, XXXX. It is a fact, material fact, and undisputed material fact that McCalla Raymer Leibert Pierce , LLC received proper notice to cease -and -desist as required by Georgia Law and Federal Law. See Exhibits-A-05-12-2022, Exhibit-GGXX/XX/XXXXand Exhibit-HH-XX/XX/XXXX. McCalla Raymer Leibert Pierce , LLC received proper notice and continued with collections attempts that violated the Cease-and-Desist, Violation of Regulation F and Violation of 15 U.S. Code 1692c Communication in connection with debt collection that violated the Consumer Financial Protection and the Federal Trade Commission [ Federal Fair Debt Collection Practices Act ( FDCPA ) ] starting around and about XX/XX/XXXX to date. As explained here, FTC Halts Three Debt Collection Operations That Allegedly Threatened and Deceived Consumers via Illegal Text Messages. At the Federal Trade Commissions request, federal courts in New York and Georgia have temporarily halted three debt collection operations that allegedly violated federal law by threatening and deceiving consumers via text messages, emails, and phone calls. The FTC seeks to permanently end the unlawful practices. The texts failed to identify the senders as debt collectors. We begin with XXXX ' contention that the district court erred in granting summary judgment against her on the FTC Act and FDCPA claims. We review de novo a district court 's decision to grant summary judgment. See Dolphin LLC v. WCI Cmtys., Inc. , ( 11th Cir. XXXX ). A party is entitled to summary judgment only if it " shows that there is no genuine dispute as to any material fact and [ it ] is entitled to judgment as a matter of law. '' Fed. R. Civ. P. 56 ( a ) .The district court did not err by granting summary judgment to the FTC . And neither its refusal to stay the proceedings nor its calculation of equitable relief was an abuse of discretion. AFFIRMED. See Federal Trade Commission v. PRIMARY GROUP , INC. Court of Appeals , 11th Circuit , XXXX McCalla Raymer Leibert Pierce , LLC/ Managing Partner, Attorney XXXX XXXX XXXX , failure to Provide Statutorily-Required Notices and Disclosures to Complainant sent Complainant a series of text messages, typically not disclosing that the company is a debt collector. See Exhibits-JML-1,2, 3,4, and 5 See Federal Trade Commission v. PRIMARY GROUP , INC. Court of Appeals , 11th Circuit , XXXX As explained here, We have already held that a homeowner 's promissory note, secured by a mortgage on the property, constitutes a " debt '' under the FDCPA. See Reese v. Ellis, Painter, Ratterree & Adams , LLP, 678 F.3d 1211, 1216 ( 11th Cir. ) McCalla Raymer Leibert Pierce , LLC willfully ignored the Cease-and-Desist. Attorney XXXX XXXX XXXX Georgia Bar No. XXXX McCalla Raymer Leibert Pierce , LLC XXXXXXXX XXXX XXXX XXXX XXXX, Ga XXXX
09/15/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	FL 34714	Web
On XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX ( hereinafter referred to as " Plaintiff '' ) acknowledged receipt of my communication submitted to the Consumer Financial Protection Bureau. I am a victim of identity theft. I do not owe any debt alleged by XXXX XXXX XXXX, XXXX XXXX. A settlement demand was made on XX/XX/XXXX ( see enclosed attachments ) .On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX accepted the settlement offer. XXXX XXXX XXXX, XXXX XXXX failed to prepare and forward the necessary settlement documents as stated in their letter. Phone calls were made to McCalla Raymer Leibert Pierce , LLC the office representing XXXX XXXX XXXX, XXXX XXXX regarding the XXXX XXXX XXXX, XXXX XXXX violations of the Fair Debt Collections Practices Act, Florida Consumer Collections Practices Act, FACT ACT, FAIR HOUSING ACT, 42 U.S.C. 3601 and EQUAL CREDIT OPPORTUNITY ACT, 15 U.S.C. 1691. The indebtedness incorporated into the Final Judgment for Foreclosure in XXXX XXXX, Florida case number XXXX is incorrect in respect to the following : XXXX XXXX XXXX XXXX, XXXX. was not the owner and holder of the original promissory note at the inception of this case. XXXX XXXX XXXX XXXX, XXXX. did not have standing at time of inception of this case. XXXX XXXX XXXX XXXX, XXXX. never filed a valid Certification of Note Possession or affidavit of record indicating it was in continuous possession of the original promissory note at the time suit was filed. XXXX XXXX XXXX XXXX, XXXX. was not the owner and holder of the original promissory note at the time to foreclose. XXXX XXXX XXXX XXXX, XXXX. did not have standing at the hearing/trial on XX/XX/XXXX. The original promissory note was surrendered and cancelled by the Court. XXXX XXXX XXXX XXXX, XXXX. had to have continuous possession of the original promissory note prior to hearing/trial and prior to filing of Lis Pendens. XXXX XXXX XXXX XXXX, XXXX. did not have the original promissory note when it went to file this case. There is a genuine issue of material fact in this case in that XXXX XXXX XXXX XXXX, XXXX. lacked standing to file suit against me. XXXX XXXX XXXX XXXX, XXXX. was not in continuous possession of the required documents to bring suit against me. I informed and disputed XXXX XXXX XXXX XXXX, XXXX. regarding the amount in controversy in this case. XXXX XXXX XXXX XXXX, XXXX. is not entitled to Final Judgment for Foreclosure because the original promissory note did have endorsement. XXXX XXXX XXXX XXXX, XXXX. Certification of Note Possession attached as Exhibit A in its Verified Complaint to Foreclose Mortgage ( filed XX/XX/XXXX ) is inadmissible. XXXX XXXX XXXX, XXXX. was never in continuous possession of the original promissory note in this case. XXXX XXXX XXXX XXXX, XXXX. can not prove it had endorsed original promissory note the whole time in this case. I disputed Verification of XXXX XXXX XXXX XXXX, XXXX. complaint in this case. I did not default in this case. XXXX XXXX XXXX XXXX, XXXX. chose not to amend its Certification of Note Possession in this case. XXXX XXXX XXXX XXXX, XXXX. chose not to amend its Verified Complaint to Foreclose Mortgage in this case. XXXX XXXX XXXX XXXX, XXXX. Complaint has failed to cure this Courts lack of subject matter jurisdiction. XXXX XXXX XXXX XXXX, XXXX. can not establish it had continuous possession or is entitled to enforce the original promissory note in this case. I am not incumbent to the XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX. Executive Office confirmed on XX/XX/XXXX via written correspondence that I, ( non-borrower ( s ) /non-customer ( s ) /non-tenant ( s ) ), have no personal obligation to make payment. XXXX XXXX XXXX XXXX, XXXX. can not prove it had the endorsed original promissory note at the time of the inception of this case and at the time to foreclose. Countervailing facts and evidence in favor of me are demonstrated in this case. XXXX XXXX XXXX XXXX, XXXX. failed to meet its burden in this case. I was granted permission from the Court on XX/XX/XXXX to further file and prosecute this case against XXXX XXXX XXXX XXXX, XXXX. As pled in Court, XXXX XXXX XXXX XXXX, XXXX. responses in opposition to my motions itself doesnt demonstrate a colorable entitlement to relief. I raised defense at the first opportunity. My pleadings and/or appropriate motions were timely raised. XXXX XXXX XXXX XXXX, XXXX. has failed to comply with, and demonstrate compliance with the requirements of Florida Statues. Compliance is clearly a condition precedent to maintaining a suit and XXXX XXXX XXXX XXXX, XXXX. must allege compliance in its Complaint. XXXX XXXX XXXX, v XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX ). XXXX XXXX XXXX XXXX, XXXX. has failed to state a cause of action for which relief may be granted. XXXX XXXX XXXX XXXX, XXXX. has failed to plead that this Court has subject matter jurisdiction over this case as required by Rule 1.110 ( b ) ( 1 ) of the Florida Rules of Civil Procedure. Rule 1.110 ( b ) requires XXXX XXXX XXXX XXXX, XXXX. to plead a short and plain statement of the ultimate facts showing that the pleader is entitled to relief As the Complaint does not comply with minimum pleading requirements and in doing so, fails to state a cause of action and/or presents fatal defects and/or flaws, dismissal with prejudice is warranted. The Complaint states, Plaintiff has and hereby declares the full amount payable under the Note and Mortgage to be due and payable. 7. This vague declaration is insufficient to invoke the jurisdiction of the Court, and fails to put me on notice as to the amount in controversy. XXXX XXXX XXXX XXXX, XXXX. Complaint made the bare allegation that All conditions precedent to the filing of this action have been performed or have occurred. 8. This bare allegation is legally insufficient to meet the requirements of Florida Statues. XXXX XXXX XXXX XXXX, XXXX. has failed to provide any facts to support its bare allegation. If a complaint is so vague, indefinite, and ambiguous as to wholly fail to state a cause of action, it is subject to dismissal. XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ). In considering the validity of the Complaint upon filing of a motion to dismiss, the Court must confine strictly to the allegations within the four corners of the complaint. XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX ). Looking to the four corners of the Complaint, it is clear that XXXX XXXX XXXX XXXX, XXXX. has failed to plead any allegations which would support a recognized cause of action under Florida law against the me. Pursuant to Court rulings in the State of Florida, XXXX XXXX XXXX XXXX, XXXX. can not apply or seek issuance of a Writ of Possession in this case. XXXX XXXX XXXX XXXX, XXXX. sued me using unfair tactics and bad faith inconsistent with Government/Federal laws and lending guidelines, including violation of the Consumer Financial Protection Bureau ( CFPB ) regulations. XXXX XXXX XXXX XXXX, XXXX. responses in opposition to my motions are sham pleadings, as defined under Fla.R.Civ.P. 1.150. XXXX XXXX XXXX XXXX, XXXX. pleadings are inherently false and clearly known to be false at the time the pleading was made. The Court should warrant the rejection of XXXX XXXX XXXX XXXX, XXXX. pleadings as a sham, a mere pretense, set up in bad faith and without color of fact. XXXX XXXX XXXX XXXX, XXXX. pleadings should be stricken, as the issues raised therein are a sham, knowingly false and without any justiciable standing and have been raised by the XXXX XXXX XXXX XXXX, XXXX. for the sole purpose of delay. As set forth hereinabove, the allegations made in the XXXX XXXX XXXX XXXX, XXXX. responses in opposition to my Motions are known by XXXX XXXX XXXX XXXX, XXXX. to be false, filed solely for the purpose of delay and to frustrate the judicial process, and thus, constitute sham pleading.
11/18/2022	Yes	Debt collection Mortgage debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30038	Web
HARASSMENT BY A DEBT COLLECTOR AND DEBT COLLECTION AGENCY THAT HAS BEEN WILLFUL AND INTENTIONAL CAUSING HARM AND INJURIES TO RESPONDENT, HARASSMENT BY MCCALLA RAYMER LEIBERT PIERCE , LLC AND ITS MANAGING PARTNER ATTORNEY XXXX XXXX XXXX SINCE XXXX, SINCE AND TO DATE. COMPLAINANT IS RECEIVING THERATING TEXT MESSAGES, EMAILS AND PHONE CALLS AFTER XXXX PM. Harassment by Respondent that has been continuously and systematic before, since and to date and again on XX/XX/XXXX at XXXX XXXX about via email attempting to get Complainant to vacate his home withing 60 days. Statement by Respondent on their website, Our litigators are not foreclosure attorneys. This is a foreclosure case, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX There is no litigation between XXXX XXXX XXXX XXXX MCCALLA RAYMER LEIBERT PIERCE , LLC AND ITS MANAGING PARTNER ATTORNEY XXXX XXXX XXXX. XXXX IS HARASSING COMPLAINANT AND WILL NOT STOP. XXXX XXXX XXXX, ( hereinafter ) Complainant files his Complaint against, McCalla Raymer Leibert Pierce , LLC, its Managing Partner, Attorney XXXX XXXX XXXX, ( hereinafter ) Respondent, ( collectively ) Respondent for the unlawful misconduct and willful misconduct as follows : 1. Violation of the Cease-and-Desist request from Complaint that complied with the statutory requirements of Georgia Law and Federal Law. 2. Violation of Regulation F, 3. Violation of 15 U.S. Code 1692c Communication in connection with debt collection that violated the Consumer Financial Protection Bureau and the Federal Trade Commission [ Federal Fair Debt Collection Practices Act ( FDCPA ) ] starting around and about XX/XX/XXXX to date that has been continuously and systematic causing harm, damages, injuries, monetary damages and mental pain and suffering. 4. Harassment by Respondent that has been continuously and systematic before, since and to date and again on XX/XX/XXXX at XXXX XXXX about via email attempting to get Complainant to vacate his home withing 60 days. 5. Civil conspiracy 6. Aiding and abetting fraud, 7. Fraud. 8. Aiding and abetting Foreclosure Fraud PROCEDURAL HISTORY Respondent client is XXXX that is not in dispute. XXXX admitted to misapplying XXXX ( XXXX ) of Complainant mortgage payments that was received by XXXX, on-time and in full. XXXX has wrongfully maintained that Complainant has not made a payment since, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX and has been in default since. Respondent is factual incorrect. Even, if it was true, Courts recognize certain exceptions to the tender rule, such as when the borrower challenges the validity of the underlying debt, asserts a counterclaim or setoff against the beneficiary or demonstrates the deed of trust is void on its face. Complainant has correctly maintained that no sums were due under the notes involved because the notes were void and unenforceable and void on its face and is shown by affidavit ( XXXX ), direct evidence, factual evidence, competent evidence, and documentary evidence that is self-authenticating, that is not in dispute and on the record with the XXXX. Respondent client used another debt collection agency in Georgia. Respondent client XXXX was fined. Respondent was fined and banned. See The Consumer Financial Protection Bureau and the Federal Trade Commission that made it clear in F.T.C. v. XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ) ( citing 15 U.S.C. 45 ( a ) ) .See CONSUMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX - Dist. Court, ND Georgia, XXXX. AIDING AND ABETTING FORECLOSURE FRAUD BY RESPONDENT MRLPs statement, As a recognized leader in the financial services industry, we meet these evolving client needs by providing high-quality, innovative, and efficient litigation services in a manner that reflects our commitment to integrity, professionalism, and excellence. XXXX XXXX XXXX XXXX XXXX is a team of dedicated, skilled and experienced litigators. Our litigators are not foreclosure attorneys who dabble in litigationwe are separate litigation departments comprised of true trial lawyers, with decades of combined experience handling thousands of trials and appeals of all kinds. Simply put, no other firm can offer the combination of XXXX default services expertise and true litigation capabilities. Respondent admitted, Our litigators are not foreclosure attorneys who dabble in litigation. Respondent is dabbling in litigation in a foreclosure action that violates the Consumer Financial Protection Bureau and the Federal Trade Commission. Respondent should be ban and fined as in CONSUMER FIN'L PROTECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX - Dist. Court, ND Georgia, XXXX RESPONDENT LITIGATION IS AN ATTEMPT TO COLLECT AN ALLEGE DEBT In the instant complaint, Respondent has attempted to collect a allege debt directly and indirectly from Complainant. The Consumer Financial Protection Bureau and the Federal Trade Commission that made it clear in F.T.C. v. XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ) ( citing 15 U.S.C. 45 ( a ) ) .See CONSUMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX - Dist. Court, ND Georgia, XXXX Respondent attempts to collect an allege debt directly and indirectly from Complainant viotated The Consumer Financial Protection Bureau and the Federal Trade Commission. Respondent is Aiding and abetting Foreclosure Fraud with their client " XXXX ''. Respondent Aiding and abetting fraud with their client " XXXX ''. Respondent has willfully misrepresented to the Court and Judge that Complainant has not made a payment since XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX and has been in default since. Respondent is factual incorrect. Even, if it was true, Courts recognize certain exceptions to the tender rule. Complainant provided proof of payments to Respondent and Respondent continue to willfully and intentional harass Complainant. It is a fact, material fact and undisputed material fact the Tender Rule applies in Complainant foreclosure case because no sums were due, void and the Notes and Deed were unenforceable on its face in accordance with the Tender Rule. Respondent was aware of the Tender Rule and continue to willfully and intentional harass Complainant. Respondent caused harm, damages, monetary damages, injuries, mental pain and suffering to Complainant. Respondent is liable as a result. Respondent was asked again via email to stop harassing Complainant and has not stop.
07/22/2023	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	GA 30038	Web
There is no case between Complainant, XXXX XXXX XXXX and Respondent, McCalla Raymer Leibert Pierce , LLC, and its Managing Partner, Attorney XXXX XXXX XXXX in the State of Georgia. Respondent will attempt to direct the Consumer Financial Protection Bureau ( CFPB ) attention away from the facts, material facts, and undisputed material facts by alleging the issue is in litigation. The issue is straightforward, the Law Firm-mill, McCalla Raymer Leibert Pierce , LLC, and its Managing Partner, Attorney XXXX XXXX XXXX is vigorously attempting to collect the wrong amount that is alleged due was made aware and continue to attempt to collect the wrong amount that is allegedly due, {$210000.00}. Complainant unpaid balance is {$65000.00} due on the loan that is not in dispute and uncontested. XXXX XXXX Bank, XXXX, hired the Law Firm-mill, McCalla Raymer Leibert Pierce , LLC, and its Managing Partner, Attorney XXXX XXXX XXXX to collect the wrong amount that is alleged due, {$210000.00}. It is a fact, material fact and undisputed material fact that Complainant unpaid balance is {$65000.00}. Respondent has done nothing to dispute this material fact. Respondent submitted a payoff quote to the District Court as competent evidence. Respondent payoff quote is insufficient and not valid to show Complainant detail amount due since paying on the loan since XXXX and never defaulted on the loan. XX/XX/XXXX, debt collection letter was demanding {$180000.00}. The Law Firm-mill, McCalla Raymer Leibert Pierce , LLC, and its Managing Partner, Attorney XXXX XXXX XXXX is attempting to collect {$210000.00}. The monthly statement that alleged {$1100.00} for the regular payments is factually incorrect. The XX/XX/XXXX letter showing {$360.00} is the regular payments is correct. The Law Firm-mill, McCalla Raymer Leibert Pierce , LLC, and its Managing Partner, Attorney XXXX XXXX XXXX has misrepresented to the District Court and the Court of Appeals the wrong amount the is alleged due without producing the mortgage, the unpaid note, evidence of default and or debt validation letter/debt verification letter. XXXX XXXX XXXX ordeal started, On and about XXXX of XXXX when XXXX contacted XXXX XXXX XXXX and admitted he was in default for failure to pay a mortgage installment. XXXX XXXX XXXX was not in default on his loan for non-payment as alleged on and about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Misrepresentation by McCalla Raymer Leibert Pierce , LLC, and its Managing Partner, Attorney XXXX XXXX XXXX, the payments received and applied to the Loan since its origination have brought it current only through XX/XX/XXXX. And XXXX XXXX XXXX has been in default on his loan for non-payment since XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX is a willful misrepresentation to XXXX and to the District Court. The District Court admitted, There is some evidence suggesting that XXXX made payments to XXXX in XXXX and XX/XX/XXXX totaling {$900.00}. It is a fact, material fact and undisputed material fact that XXXX XXXX XXXX was not in default as alleged, for non-payment since XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX, XXXX XXXX and the Law Firm-mill, McCalla Raymer Leibert Pierce , LLC, and its Managing Partner, Attorney XXXX XXXX XXXX did not produce the mortgage, the unpaid note, evidence of default and or debt validation letter/debt verification letter with the District Court during discovery or otherwise to obtain summary judgment in a foreclosure case. Summary Judgement is improper in the instant case. Respondent received Summary Judgement for the willful misrepresentation that is clear and unambiguous. Complainant proved Respondent competent evidence that the amount of {$210000.00} Respondent is attempting to collect is wrong. Complainant have requested Respondent to provide him with detail information to prove that the amount of {$210000.00} Respondent is attempting to collect is correct and Respondent has not provided any competent information or evidence to date. Proof is required. The Law Firm-mill, McCalla Raymer Leibert Pierce , LLC, and its Managing Partner, Attorney XXXX XXXX XXXX continue to attempt to collect the wrong amount and admitted : " Pursuant to the Fair Debt Collection Practices Act, you are advised that this office may be deemed to be a debt collector and any information obtained may be used for that purpose. '' Disclaimer by McCalla Raymer Leibert Pierce , LLC : " Pursuant to the Fair Debt Collection Practices Act, you are advised that this office may be deemed to be a debt collector and any information obtained may be used for that purpose. '' The Eleventh Circuit has stated that this disclaimer does not relieve a Law Firm from being a debt collection agency if the Law Firm collect debts and or attempt to collect debts, directly, indirectly and by litigation. McCalla Raymer Leibert Pierce , LLC is attempting to collect an alleged debt by litigation and has not been banned in the State of Georgia for their unlawful misconduct. Here, Respondent is attempting to collect the wrong amount that violates the Fair Debt Collection Practice Act and the Consumer Financial Protection Bureau ( CFPB ) and Complainant has a legal duty to report the unlawful misconduct that occurred in the State of Georgia.
01/08/2023	No	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	GA 30038	Web
McCalla Raymer Leibert Pierce misrepresented to the CFPB that its debt collection Attorney XXXX XXXX XXXX did not text Complainant via cellphone, cell phone number XXXX on XX/XX/XXXX around XXXX XXXX. McCalla Raymer Leibert Pierce misrepresented to the CFPB that its debt collection Attorney XXXX XXXX XXXX did not text Complainant via cellphone, cell phone number XXXX on XX/XX/XXXX around XXXXXXXX XXXX and Complainant replied back around XXXX XXXX. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the good documentation of McCalla Raymer Leibert Pierce Attorney XXXX XXXX XXXX the text message from his cell phone that contradicted the is a material misrepresentation to the CFPB. Complainant would like to direct the CFPB attention to the email, XXXX XXXX from McCalla Raymer Leibert Pierce debt collection Attorney XXXX XXXX XXXX. McCalla Raymer Leibert Pierce is a debt collection agency by definition of a debt collection agency. McCalla Raymer Leibert Pierce website makes it clear that McCalla Raymer Leibert Pierce, Consumer Collections. McCalla Raymer Leibert Pierce assists financial institutions and consumer-facing businesses with the collection of their delinquent accounts. XXXX is a financial institution financial institution that McCalla Raymer Leibert Pierce is aiding and abetting fraud and fraudulent acts that is willful and intentional. McCalla Raymer Leibert Pierce was made aware with good documentation that XXXX did not default on his loan with XXXX. XXXX admitted to misapplying XXXX of XXXX 's mortgage payments that were received by XXXX, made on time and in full. McCalla Raymer Leibert Pierce submitted an affidavit to the United States XXXX XXXX admitting having personal knowledge of that violate the Fair Debt Collection Practices Act. The XXXX XXXX XXXX XXXXusiness profile has McCalla Raymer Leibert Pierce listed as a Collections Agencies. There are complaints with the BeXXXX XXXX XXXX business about McCalla Raymer Leibert Pierce attempting to collect allege debts directly and indirectly that violate the Fair Debt Collection Practices Act. The facts are straightforward, Complainant unpaid balance with XXXX was and is {$65000.00} by oral agreement that was reduced to writing. XXXX never taken out a second loan on the property or defaulted on his mortgage with XXXX. McCalla Raymer Leibert Pierce responses to the CFPB in XXXX #, XXXX CFPB # XXXX CFPB # and XXXX CFPB # about being a debt collection agency, emailing XXXX after XXXX and text messaging XXXX has been a willful material misrepresentation to the CFPB. Complainant good documentation to the CFPB contradicts, McCalla Raymer Leibert Pierce, XXXX statements to the CFPB. Complainant good documentary proves that XXXX client XXXX declared default in early XXXX, was getting unjust enriched because the good documentation Complainant was making payments after XX/XX/XXXX and was not in default by the definition of default. Therefore, XXXXCalla Raymer Leibert Pierce attempting to collect an allege debts directly and indirectly from Complainant violate the Fair Debt Collection Practices Act. It is a fact that McCalla Raymer Leibert Pierce attempting to collect allege debts directly and indirectly via of litigation violates the Fair Debt Collection Practices Act. The collusion between XXXX and McCalla Raymer Leibert Pierce is clear and unambiguous. is clear and unambiguous. willful material misrepresentation to the CFPB is clear and unambiguous. Public records in XXXX Ga and other States shows that McCalla Raymer Leibert Pierce client _ '' XXXX '' demonstrated a pattern of participating with debt collection agencies and its debt collection Attorneys to deprive homeowner their legal rights that is clear and unambiguous as in the case. Respondent statements to the CFPB in responses to the CFPB in XXXX # XXXX CFPB # XXXX CFPB # and XXXX CFPB # is contradicted by Complainant good documentation, facts, material facts and undisputed material facts.
12/31/2015	Yes	Debt collection Mortgage	Taking/threatening an illegal action Seized/Attempted to seize property	GA 30215	Web
Over the last 6 years, I have corresponded repeatedly with XXXX Bank, loan servicer, XXXX Bank XXXX XXXX, XXXX and XXXX XXXX XXXX, loan servicer, each time reminding them all that XXXX and now XXXX is fraudulently servicing a loan and does not possess legal standing to order a foreclosure. XXXX XXXX as Foreclosure Attorneys are representing a fraudulent loan. Despite the overwhelmingly incriminating evidence I have gathered and have shown to XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX for XXXX XXXX Mortgage XXXX XXXX XXXX, XXXX, XXXX and XXXX and various local attorneys that XXXX has hired to respond to my requests. I have had to point out to each of them on several occasions that : - The Security Deed and other documents are different and altered, thus making the Security Deed null and void. Check this out for yourself. - Parties admitted that the originator was planning to issue corrective documents, also part of the fraudulent activity I have been pointing out. - The recent XXXX XXXX corrective assignment is also fraudulent. - The original Assignment of Security Deed that was created on XXXX XXXX, XXXX was not recorded on my property in any XXXX as per my investigation and was fraudulently signed by someone other than the person stated and was assigned to " BLANK '', no entity or person listed on this document, thus making it null and void. - This original Assignment was not only not recorded into public records, it was never actually obtained by XXXX XXXX Mortgage or XXXX Bank. It was stated by XXXX XXXX Mortgage that the note and Security Deed went directly to the trust at the inception of my loan. That is not the case. To this date, XXXX Bank never received my note or Security Deed, nor has any authority to foreclose on my property. Upon the securitization, the note and Security Deed were separated, making the note null and void. I have also repeatedly demanded from XXXX documents showing proper chain of title, including a current copy of the promissory note dated XXXX XXXX, XXXX showing all stamps, transfers, endorsements, and assignments and Allonges showing current location of my Note. As XXXX Bank has found, XXXX refuses to provide various mortgage documents. XXXX XXXX XXXX does n't even know anything about these documents. XXXX Bank says that they have the right to foreclose on my property because since they are the Trustee they were granted ownership by XXXX XXXX Mortgage, however Unless an asset is transferred into a " lifetime trust '', the asset DOES NOT become trust property. There was no legal transfer into this trust that claims to be the beneficiary of my note when it was actually assigned to this trust. I can prove it. That means, on or about XXXX XXXX, XXXX, my note was put into the trust that it currently is in and traded fraudulently without legal assignment that placed it there from inception. It was neither reported to the XXXX as an asset to that trust nor reported to the XXXX as being placed in that trust. The assignment of a mortgage without the transfer of the underlying mortgage/note is nullity. I understand that the Security Deed and mortgage note were separated at the inception of the loan. I have also pointed out to XXXX Bank that a trustee 's act that is contrary to the trust agreement is void. The trustee has allowed the creation of documents that are incorrect and have been completed by proven, verified and fraudulent Robo Signers. That means that the documentation that was created in order to cause these fraudulent foreclosures were all done illegally. Now they 've created a replacement assignment. XXXX XXXX XXXX not being successors in interest did n't have the authority to do such. They were only the debt servicer. Now XXXX through McCalla Raymer are trying to foreclose on my house.
11/24/2015	No	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 32129	Web	Older American
In XXXX XXXX, XXXX XXXX and their attorneys at McCalla- Raymer , LLC XXXX sold our home of 23 years on the courthouse steps in XXXX XXXX GA. This was the first and only mortgage on the home, i.e., there were no second mortgages or other leins on the property, and we only had 7 years left on that same 30 year mortgage. We were six months behind on our mortgage ... the same six months that followed our attendance at a " save your home '' seminar at the Georgia XXXX sponsored by XXXX XXXX. The only option we were given [ several months later ] was to double our mortgage payments for 6 or 7 months, and then we would be " caught up '', which we could not possibly afford since I was unemployed and my wife had taken a job in another State to provide for our basic needs. The issue we are facing now, over five years since the foreclosure, is that while the house sold for approximately {$90000.00} [ vs. the roughly {$60000.00} we owed after they tacked on another {$7000.00} in legal fees ], leaving a little over {$30000.00} in excess proceeds. After over three years of trying to get them to release these excess funds, we were able to get approximately {$19000.00} of those funds released to us. The other approx. XXXX was held because back in the early nineties, we had my wife 's mother added to the title so she would agree to move in with us, as she was XXXX. She had no other assets when she died XX/XX/XXXX, so there was never a need for probating her will ( or so we thought at the time ). Recently, we received hold harmless, " no administration needed '' form, and some other agreement to sign in order to receive the remaining $ XXXX in excess proceeds ... except that the amount they would release was only {$6100.00}! When I called to ask the reason for the nearly {$5000.00} in additional charges on funds that they have owed to us for over FIVE YEARS, they claimed that they needed to do research to prove [ to themselves ] that my wife was the correct heir to those funds ( she was an only child ), while these charges were in fact for research that only served to protect THEM! XXXX XXXX and their agents, McCalla-Raymer, held {$30000.00} of our money for well over three years ... begrudgingly releasing {$19000.00} at that point after many, many phone calls, and they have held the remaining {$11000.00} for over five years now. Considering that we were only six months late on a total of about {$6000.00}, I feel we are justifiably outraged at the actions of these individuals and their corporate veils. FYI, three months after the foreclosure in XXXX, the new owners sold our former house, for which they paid {$90000.00} ... for {$160000.00}!! We had paid {$110000.00} in XXXX, and had planned to never sell the house. We feel we should at the very least be able to receive the entire {$11000.00} in excess proceeds from the sale of the foreclosure, assuming they are legally, if not morally, required to pay us interest on the money they have held for the last 5+ years. We honestly feel that if we had not repeatedly requested information on these funds, this money would have simply been kept, as there was never ANY accounting for anything that transpired from the foreclosure or anything thereafter. I 'm sure we would have heard from them if the house had sold for less than what we owed! I only discovered how much the house sold for when I met with the new owners to retrieve some personal property from the house. Several thousand dollars worth of personal property went missing the week before the foreclosure because someone showing the house to potential buyers had apparently left the door unlocked. This has been a recurring nightmare over much of the last five years! Can you help us?
01/14/2016	No	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	GA 30097	Web
Associated with Complaints Case # s : XXXX and XXXX -XX/XX/XXXX, my wife and I applied for and obtained XXXX & XXXX Mortgages ( Home Equity Line Of Credit - HELOC ) from XXXX XXXX ( XXXX XXXX now XXXX XXXX XXXX [ XXXX ] ) for the purchase of a home at XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX ( Account # XXXX : XXXX - XXXX ; XXXX - XXXX ). On XX/XX/XXXX, my wife and I applied for and refinanced the XXXX Mortgage from XXXX to the XXXX XXXX XXXX XXXX XXXX ( XXXX ). As part of the refinance agreement, my wife and I agreed to Subordination Agreement See Attached : Affidavit of Existing Lien and Account Close-out Request dated XX/XX/XXXX ). XXXX agreed to refinance the XXXX Mortgage with XXXX if the XXXX Mortgage ( Home Equity Line of Credit [ HELOC ] ) was subordinated to the new XXXX Mortgage allowing XXXX to take XXXX Lien position on the property. -XXXX completed the refinance transaction using a Satisfaction of Mortgage with the XXXX XXXX XXXX XXXX , XXXX ( XXXX ) date XX/XX/XXXX. XXXX does not record Transactions from Originator ( XXXX ) to Sponsor or Sponsor to Depositor. XXXX only shows Trustee. Since the State Law of XXXX requires that every true sale be recorded all the way through each Transaction in Pipeline, Sale to Trustee. Hence, the transaction between XXXX and XXXX is invalid since previous sales were not recorded. The subordination of the XXXX HELOC to the new XXXX Mortgage allowing XXXX to take XXXX Lien position on the property was never completed. Thus, XXXX had no authority over the Note for XXXX XXXX XXXX XXXX, XXXX GA XXXX and had no Legal Right to Foreclose on the homeowner. If home was foreclosed or subject of transaction by Trustee ( XXXX ), but Note went through MERS ; XXXX 's foreclosure has no Legal Authority, thus considered a Fraudulent Transaction or Foreclosure. Therefore the Lien Validity and position were not properly verified by as part of the Foreclosure process undertaken by McCalla Raymer who served as the attorneys for XXXX for the Foreclosure. -Complainants commence this complaint alleging fraud, fraudulent inducement, breach of promise & violations of General Business Law ( " GBL '' ) 349, known as the Deceptive Practices Act against XXXX XXXX XXXX . In addition to compensatory and punitive damages, complainants seek a declaration that the Affidavit of Existing Lien and Account Close-out Request for a Subordination dated XX/XX/XXXX and Satisfaction of Mortgage with XXXX dated XX/XX/XXXX by XXXX XXXX XXXX on behalf of complainants as null & void, and to enjoin the enforcement of the notes & mortgages as unenforceable against complainants. -XX/XX/XXXX, the US Deptartment of Justice ( USDOJ ) announced a XXXX settlement with XXXX over discriminatory lending practice at XXXX . USDOJ also found that XXXX discriminated against qualified XXXX & XXXX borrowers from XX/XX/XXXX to XX/XX/XXXX - minority borrowers who qualified for prime loans were steered into higher-interest-rate subprime loans. Further, the XXXX in XXXX XXXX reached a XXXX settlement with XXXX to resolve Federal XXXX State claims against XXXX & its former & current subsidiaries, including XXXX & XXXX XXXX. As part of this global resolution, XXXX agreed to pay a $ XXXX penalty under the Financial Institutions Reform, Recovery & Enforcement Act ( FIRREA ) and provide XXXX dollars of relief to struggling homeowners, including funds that will help defray tax liability as a result of mortgage modification, forbearance or forgiveness. The settlement does not release individuals from civil charges, nor does it absolve XXXX, its current or former subsidiaries & affiliates or any individuals from potential criminal prosecution.
03/06/2018	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 78748	Web
I was contacted via a phone call on XX/XX/XXXX from a unidentified number. A gentleman stating his name as " XXXX XXXX '' informed me that I was to call XXXX and reference a file number. I called the XXXX number at approx. XXXX CST and the call was answered by a woman who did not identify herself. I explained the call received and she said she didn't recognize that name and put me on hold. Upon returning to the call, she said that this was an attempt to initiate legal correspondence regarding an XXXX XXXX purchase on a XXXX XXXX XXXX. The date the account was opened was in XX/XX/XXXX. Apparently payments were made until XX/XX/XXXX and then it was sent to collections in XX/XX/XXXX, and then sold off in XX/XX/XXXX. I asked who she represented, and she said she worked for XXXX XXXX XXXX in XXXX XXXX. I had no knowledge of this card, this debt, nor an XXXX product purchased in XX/XX/XXXX. She essentially told me that the debt-holder was XXXX, had a non-disclosure agreement and couldn't be identified. I asked about the statute of limitations and she told me the debt had been revived in a phone call in which I had verbally acknowledged the debt. This woman, who still had yet to identify herself, went on to tell me that I was going to be served at my home and then since the XXXX suing me had paid for a process server, I would have to go to court for the full amount. She could not tell me the initial purchase amount, but when it went to collections in XX/XX/XXXX, the balance was {$1600.00} and the amount I will be sued for is $ {$5100.00}. Of course she proceeded to use scare tactics when I inquired on how to dispute the debt, since I have absolutely no knowledge of it, and she told me that a judge would probably question why I hadn't filed a fraud claim within 3 years of the account/purchase, and he would rule against me. Of course, I could agree to a settlement right there and then, or within 48 hours. When I asked how I would do that considering I had no documentation in writing of any of this, she said I could call her back. Her name is XXXX and she is at extension XXXX. She also said she would email me the offer of settlement. I did not receive that. She also told me if I didn't accept the offer, I would have to go to court, pay the full amount, and have a mark or judgement on my credit for 10 years. I called back the next day and got more information from XXXX XXXX, a Manager in the Mediation Dept. at XXXX XXXX XXXX, and he gave me more information. He told me the statute ends on the XXXX of this month, and also that there was no record of the " verbal admission '' that apparently revived the debt. I would have to file for a " Discovery Hearing '' in court if I was to get that information. If I wanted to " hear or see anything. '' XXXX also told me that the statute of limitations applied to where I live now ( XXXX ) versus where the debt was from originally ( XXXX ). He sent me the offer letter via email, which I took screen shots of. Apparently the company that is suing me has to send me correspondence with in 30 days of collection and I again stated that I hadn't received anything, had no knowledge of this debt or account, and to my knowledge, hadn't been contacted by anyone before yesterday. I got the address of XXXX XXXX XXXX in XXXX XXXX and basically left me with little else, except to say that his company had investigated this claim and found no reason for the claim to be dismissed ( ie., that they have the go-ahead to sue me ).
03/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30045	Web
My name is XXXX XXXX. I have submitted many complaints regarding ID Theft, Mortgage Fraud and Bankruptcy Issues. Both myself and my Husband the Co-Debtor sought out to the XXXX XXXX XXXX XXXX XXXX as a resource to obtain assistance with both Residential Mortgage Fraud and also after my business partner abandoned the mental health agencies owned by us I was forced to buy him out. Also the level of retaliation against me was very strange. I began to investigate which led to uncovering excessive Mortgage fraud on my personal properties. I filed Bankruptcy in XX/XX/XXXX my business partner abandoned the agency in XX/XX/XXXX despite what he notated. I was forced to represent myself Pro Se due to attorney 's being told not to take my case on. All properties were abandoned by the Chapter XXXX Trustee and no investigation was completed. I have researched my situation for approximately 5 years and the XXXX XXXX and his court ordered Legal Counsel and others have violated me in every way possible. I was in Chapter XXXX, but was basically informed all mortgageswere required to be paid until it was decided they would be investigated? XXXX XXXX XXXX. I understand the Trustee has the ability to Abandoned Real Property is they are Burdensome. Of course, they are burdensome if you know your colleagues have committed Mortgage Fraud within the case you are assigned to and you in no way want to be apart of a fraud investigation, It's easier to abandon a property and pass it through a third party flow through and collect your profits from the creditor. But, you leave the fraudulent loans in the hands of the Debtor who is once again the VICTIM! We can not file taxes due to IRS/ID Theft and also because one of the Fraudulent Mortgage Companies has sent both myself any my spouse XXXX 's. One for myself and one for him AFTER the receipt of a letter regarding a release of Lien, XXXX XXXX XXXX. This is just one aspect. All of the secured properties have been liquidated without a validation of debt and now this. In closing we do not own this money. This is not our loan. We were under the impression we received loans to purchase properties only to find our information to obtain loans for others to pocket. Further, the titles were clouded PRIOR to the purchase of each home and our credit, was damaged and money stolen. XXXX needs to fix this issue, We have reached out to them and received no response. We are totally traumatized as we are basically transient in addition, to being exposed with XXXX which is still a healing process. The number of loans taken against this home utilizing our credit is unbelievable. Basically, we. were renting every property we thought we owned, New Fraudulent Deeds are being created every second whenever there is a Fraudulent Foreclosure AKA Non-judicial. I am an XXXX XXXX who is painted to be disruptive and have no standing in the court due to me serving a STRONG AND DETERMINED voice knowing what is being done to both myself and Spouse, No I am not an Attorney by for, but trust and believe it doesn't take a rocket scientist to figure this out! In closing, I received an order on XXXX from the presiding XXXX Judge stating the Trustee abandoned referenced home on XXXX, however it was XXXX ( Refer to Item XXXX ) on Bankruptcy Activity Docket XXXX XXXX. Also, the home was sold twice due to the Trustee putting the incorrect address on his Trustee ; s Report date for XX/XX/XXXX, The home was referred to as XXXX XXXX XXXX XXXX, XXXX Ga XXXX.
05/14/2015	No	Mortgage FHA mortgage	Loan servicing, payments, escrow account	GA 30228	Web	Older American
Case number : XXXXXXXXRelated Case Number : XXXX Allegation # XXXX : The allegation that our Firm had a key role or any role in robo-signing is absurd. Our Firm has maintained the highest standards since 1982 in providing legal services. There has never been a finding by a state or federal court or the state Attorney General that our Firm ever participated in robo-signing. The borrower provides no cases, no evidence and no documentation for this defamatory allegation. ANSWER TO THIS STATEMENT : WHO : Foreclosure Processor XXXX Files For BankruptcyXXXX -- XXXX XXXX XXXX XXXX has obtained a lawsuit that accuses a metro XXXX business of churning out robo-signed foreclosure documents. The firm McCalla Raymer farmed out the paperwork to XXXX XXXX, in XXXX Georgia. XXXX was the document processor, XXXX established by a group of former McCalla Raymer attorneys. XXXX provides foreclosure, bankruptcy, and loss mitigation processing services. XXXX ' customers include large mortgage servicers and law firms with large mortgage default resolution practices. As a mill manufacturing these documents for XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, a Georgia firm hired to process foreclosures for some of the country 's biggest mortgage servicers and real-estate law firms, has filed for bankruptcy, blaming slowed business. XXXX has filed for bankruptcy once federal regulators and state attorneys general began investigating the mortgage industry 's " robosigining '' scandal. THEN : XXXX, a provider of legal services to the mortgage bankingIndustry, reached an agreement with XXXX XXXX to purchase someof the assets that currently support the non-legal support functions of thefirm. XXXX filed for Chapter XXXX bankruptcy protection on XXXX XXXX. Theagreement is subject to bankruptcy court approval and XXXX-based XXXX XXXX to purchase XXXX which federal regulatorsand state attorneys general are investigating the mortgage industry 's '' Robosigining '' scandal. The firm XXXX renamed XXXX toXXXX XXXX XXXXAND XXXX XXXX XXXX Files for Bankruptcy ProtectionXXXX-based XXXX announced XXXX to purchase XXXX which federal regulators and state attorneys general are investigating themortgage industry 's " Robosigining '' scandal. The firm McCalla Raymer renamedXXXX XXXX to XXXX XXXX XXXX XXXX XXXX was the named creditor insome foreclosure proceedings. The reason is because the bankruptcyfilings including the statement of affairs will probably give some important clues to thereal money story on those mortgages where XXXX was involved. We will not find theloan receivables account that are mysteriously absent from virtually all suchfilings and FDIC resolutions. The question is that XXXX-based McCalla Raymerannounced McCalla Raymer to purchase XXXX XXXX which federal regulatorsand state attorneys general are investigating the mortgage industry 's '' Robosigining '' scandal. This XXXX started by Attorney of McCallaRaymer Firm BECAUSE Of Robo Signing filed bankruptcy SO XXXX its buyer form his reportedly former attorney. This XXXX XXXX listedas same address as XXXX Attorney Firm. NOW the mistake is to XXXX Attorney Firm creating This XXXX and XXXX XXXX XXXX relationship and involvement in Robosigining '' scandal. which federal regulators and state attorneys general are investigating themortgage industries. Attorneys never investigated the deeds validation.
10/28/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	GA 30045	Web
I AM UPLOADING A COPY OF XXXX XXXX XXXX XXXX FRAUD LOAN. THIS IS FOR XXXX XXXX XXXX XXXX, XXXX GA XXXX.PLEASE NOT I PREVIOUSLY SUBMITTED DOCUMENTATION OF FRAUDULENT LOANS FIRST AND SECOND WITH HOMBANC AND XXXX XXXXXXXX XXXX THIS SERVES AS EVIDENCE OF MORTGAGE FRAUD. IT APPEARS THERE WERE 4 FRAUD LOANS IN PROCESS AT THE SAME TIME XXXX XXXX XXXX XXXX XXXX XXXX AS WE CONTINUE TO STATE WE DID NOT SIGN FOR A LOAN., XXXX XXXX XXXX XXXX THE CLOSING ATTORNEY COULD NOT CLOSE ON ANY LOANS DUE TO HIS EMBEZZLEMENT. AGAIN, WE WERE NOTIFIED OF THE FRAUD AND WERE MAKING OUR MONTHLY PAYMENTS TO XXXX. MY WIFE SOUGHT OUT THE BRC FOR ASSISTANCE AND WE WERE COTINOUSLY VICTIMIZED. OUR MONEY AND WHAT WE THOUGH WERE OUR HOMES WERE TAKEN, WE HAVE HAD ENOUGH AND BEGAN SPREADING VICTIMIZATION AND SPREADING THE NEWS THROUGH ALL MEDIA PORTS, NO ONE SEEMS TO CARE SO, WE WILL MAKE SURE THE MASSES ARE AWARE OF WHAT'S TAKING PLACE AND ALLOW THEM TO FILE LAWSUITS BY THE MILLIONS. LAWFIRMS WHO HAVE STOLEN HOMES FROM OTHERS WHICH, I MENTIONED BEFORE, ALL NAMES WITH DETAILED INFORMATION IS NOW FLOODING THE AIRWAYS! WE ARE TIRED OF THIS MESS! XXXX NVT, XXXX GA XXXX HAD A CLOUD OVER PRIOR TO XXXX THINKING WE WERE PURCHASING IT. THIS EXPLAINS WHY ATTACHING THE FIRST PAGE OF XXXX COMPLAINT WHICH WAS IMMEDIATELY DISMISSED BY THE CLERK OF COURT. MOTION FOR INJUNCTIVE RELIEF DENIED BY THE MAGISTRATE JUDGE, XXXX XXXX IRONICALLY HE RETIRED AS WE BEGAN TO OPEN THE FLOOD XXXX. XXXX WAS ALREADY SOLD IN XX/XX/XXXX OR PRIOR TO XXXX XXXX WHO IS A WELL KNOWN XXXX FELON. HE WORKS WITH CORRUPT ATTORNEYS AND JUDGES. HE PURCHASED XXXX NVT FOR XXXX AND NOT XXXX. HE DEFAULTED THE XXXX COUNTY COURT AND THE PRESIDING JUDGE WHO APPEARED TO HAVE HAD A RELATIONSHIP WITH XXXX XXXX AND XXXX XXXX HIS ATTORNEY, ATTORNEY XXXX XXXX, WHO THREATNED BOTH MYSELF AND WIFE WHILE IN COURT DIFFENTLY APPEARED TO BE A PART OF A RICO RING. THE GOAL WAS TO STRIPE US OF THE HOME FOR THE XXXX FAMILY WHO OWNED BOTH THE HOME AND THE LAND BASICLLY THE ENTIRE SUBDIVISION, IF YOU WERE ON THEIR PAYROLL MEANING WAORKING WITH THEM TO PUT MONEY IN THEIR POCKETS SUCH AS USING YOUR INFORMATION TO OBTAIN FRAUDULENT MORTGAGES WERE WHERE ALLOWED TO PURCHASED YOU LAND AND HOME AND KEEP IT. IN OUR CASE WE BEGAN REPORTING THE UNCOVERED FRAUD SO, WE WERE A PROBLEM. LASTLY, THE AUTOMATIC STAY WAS VIOLATED, XXXX XXXX APPEARED TO HAVE FALSIFIED DOCUMENTS USING THE ATTORNEY NAME XXXX XXXX TO REQUEST THE LIFT OF STAY WHILE I WAS IN THE HOSPITAL ON XX/XX/XXXX. AGAIN.I WAS HELD IN THE HOSPITAL INTENTIONALLY IN ORDER FOR THIS ACTION TO TAKE PLACE, WE WERE NEVER NOTIFIED. AGAIN THE ASSIGNED PHYSICAN STATED SHE DID NOT NO WHY THEY WERE DOING THINGS TO GOOD PEOPLE. MY WIFE KNEW EXACTLY WHAT SHE MEANT. A LES PENDENS WAS FILED ON XXXX NT AS WELL, BUT WAS NOT PAID. AGAIN, EVIDENCE WE RECEIVED NO LOAN. THE FEDERAL JUDGE ASSIGNED TO THE RICO CASE WAS XXXX XXXX,. WE WERE TOLD BY A CREDITABLE SOURCE SHE WAS INSTRUCTED TO NOT DEAL WITH OUR CASE WHICH WOULD EXPOSE THE XXXX FAMILY, IF SO, HER HUSBAND K, XXXX WHO IS ALSO A JUDGE WOULD NO LONGER SERVE AS JUDGE DUE TO HIS ENGAGMENT IN ILLEGAL ACTIVITIES REGARING CASES AND MORE.
04/13/2015	No	Debt collection Mortgage	Disclosure verification of debt Not disclosed as an attempt to collect	GA 30228	Web	Older American, Servicemember
Homeowner received letter of collection from MCCALLA RAYMER LLC. The letter advised unless there is dispute the validity of the debt or any portion, there was thirty days to respond which HOMEOWNER requested validation of debt with cease / desist response. MCCALLA RAYMER LLC XXXX XXXX XXXX XXXX statedMcCalla Raymer LLC does n't have to respond and will not respond. Then XXXX XXXX stated the information was sent to XXXX XXXX Bank, you can ask them for the papers. XXXX XXXX Bank XXXX XXXX XXXX preservation XXXX stated XXXX XXXX Bank had not received any information from attorney McCALLA Raymer LLC. XXXX XXXX Bank informed XXXX XXXX informed HOMEOWNER, he needed to call McCalla Raymer LLC. The XXXX Georgia Community Organization OCCUPY OUR HOMES XXXX reported McCalla Raymer, LLC XXXX XXXX Bank Mortgage/Attorney McCalla Raymer XXXX XXXX XXXX XXXX XXXX Georgia XXXX contact : XXXXMcCalla Raymer has been instrumental in assisting banks in their effort to steal wealth from hard working Georgia residents. McCalla Raymer has excelled at putting people out of their homes and into the street. McCalla Raymer for going the extra mile to swiftly remove people from their homes so that banks can claim massive inventories of vacant homes, collect insurance, and then sell homes to private equity firms at record rates.McCalla Raymer also played a key role in the robo-signing scandal. In fact many fraudulent robo-signed signatures were signed by McCalla Raymer personnel. Robo signing may not have been possible without the tenacity of McCalla Raymer. McCalla Raymer has, and they certainly have profited greatly. HOMEOWNER asked MCCALLA RAYMER LLC Assistant Attorney XXXX XXXX XXXX XXXX about verification and XXXX stated what XXXX XXXX tell them is good enough for them. HOMEOWNER never did receive any verification from cease and desist letter submitted to Mccalla Raymer LLC attorney firm. On XXXX XXXX, 2013, XXXX XXXX XXXX XXXX/Attorney McCalla Raymer XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX REPORTED XXXX WAS HOLDER OF DEED AND PROMISSORY NOTE ON LISTED PROPERTY. XXXX XXXX XXXX MORTGAGE WAS SERVICER FOR XXXX XXXX XXXX. When HOMEOWNER reported that XXXX XXXX XXXX had reported not to be lender of deed. MCCALLA Raymer LLC RESPONDED WE JUST GO BY XXXX XXXX XXXX Bank tells us. which IS FORECLOSURING ON FOLKS ON HERESAY AND NOT INVESTIGATING FOR LEAGALITY .... MCCALLA RAYMER LLC XXXX XXXX XXXX XXXX statedMcCalla Raymer LLC does n't have to respond and will not respond. Then XXXX XXXX stated the information was sent to XXXX XXXX Bank, you can ask them for the papers. XXXX XXXX Bank XXXX XXXX XXXX preservation XXXX stated XXXX XXXX Bank had not received any information from attorney McCALLA Raymer LLC. XXXX XXXX informed XXXX XXXX XXXX, he needed to call McCalla Raymer LLC.
01/17/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 306XX	Web
Dates back to XX/XX/XXXX loan from XXXX XXXX XXXX improper security deed was sold to XXXX XXXX in XX/XX/XXXX then again to XXXX XXXX XXXX XX/XX/XXXX filed Bankruptcy XX/XX/XXXX XXXX XXXX agreed to loan modification with missed payments have statements showing no interest accruing from XX/XX/XXXX thru XX/XX/XXXX payments were to resume with lower interest and lower rate XX/XX/XXXX house fire XX/XX/XXXX attorney realized error on security deed house was free and clear XX/XX/XXXX filed case in court against insurance company and XXXX XXXX XXXX to get funds released for Construction Company to be paid XX/XX/XXXX XXXX XXXX XXXX sold loan to XXXX XX/XX/XXXX XXXX XXXX XXXX discharged loan with bankruptcy and sent {$1000.00} check for problems XX/XX/XXXX agreed to modify deed to include both parcels with agreement that XXXX was going to give us a contact to work with to get the problem straightened out. XX/XX/XXXX attorney contacted the person XXXX sent information for ... we were given the information. I contacted him and was told we knew nothing about us. Our attorney contacted him again and told me to call him back. Again, he would not talk to us. XX/XX/XXXX we began receiving foreclosure letters. My attorney began sending letters stating that we were working with XXXX. The attorney for XXXX stated they were foreclosure attorneys and that is what they were going to do. XX/XX/XXXX the 1st foreclosure took place. XX/XX/XXXX received XXXX from XXXX regarding foreclosure XX/XX/XXXX received eviction paperwork and appeared in court. This was dismissed because they had only foreclosed on the one acre and we had paperwork showing we owned the house free and clear. My attorney told us they had 30 days to file a motion. XX/XX/XXXX received paperwork from court that they wanted to file for reformation. XX/XX/XXXX after my attorney told me the courts had to do what was legal not equitable and XXXX attorneys lied, left out a lot of information, making it appear that the loan had went directly from XXXX XXXX to XXXX and I had not paid anything since XXXX ; instead of not having paid since the loan modification XXXX and bankruptcy charge. The reformation was allowed. The tax assessor website shows the name change to XXXX XXXX XXXX in XX/XX/XXXX. XX/XX/XXXXthe 2nd Foreclosure took place XX/XX/XXXX I receive a cash for keys offer and my attorney now tells me 'I have never heard of this, take it and see what happens '. I have diligently been calling and emailing anyone and everyone I can think of to try and get this looked at because I don't feel like it is correct.
07/24/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 30228	Web	Older American, Servicemember
XXXX TO CASE : Case number : XXXX Involving XXXX XXXX XXXX process attorney McCalla Raymer LLC .MCCALLA RAYMER LLC FORECLOSURE MILL ASSEMBLY LINE, McCalla Raymer , LLC ( hereinafter " McCalla Raymer '' ) is a law firm incorporated in the state of Georgia , their principal place of business is XXXX , XXXX, XXXX. McCalla Raymer acting for and on the behalf of its ' clients XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX has instituted and pursued non-judicial foreclosures of Georgia Security Deeds against the property of Plaintiffs described above with full knowledge that it lacked authority to do so, and has imposed similarly illegal foreclosures upon XXXX of similarly situated residents of Georgia. Defendant continues to prosecute XXXX such foreclosures against citizens of Georgia. XXXX XXXX XXXX ( hereinafter " XXXX '' ) conducts business as an electronic loan registry for the mortgage finance industry, their principal place of business is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXReported Lender : XXXX XXXX XXXX, XXXX. ( hereinafter " XXXX XXXX XXXX '' ) is a federally chartered bank, their principal place of business is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. MCCALLA RAYMER LLC FORECLOSURE MILL ASSEMBLY LINE, XXXX XXXX XXXX XXXX ( hereinafter " XXXX XXXX XXXX '' ) is a XXXX XXXX, incorporated in XXXX, which owns multiple companies, each of whom provides some aspect of foreclosure, bankruptcy, loss mitigation, and loan settlement processing service, tax examination, title search, and other document management services. XXXX ' companies provide outsourced foreclosure processing services in XXXX states and bankruptcy processing services in all XXXX states. XXXX XXXX XXXX, XXXX ( hereinafter " XXXX '' ) is a private equity firm, incorporated in XXXX, who owns XXXX of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX 's principal place of business is XXXX XXXX XXXX XXXX, XXXX XXXX. WHEN BANKRUPTCY FILED, ATTORNEY REPORTED MCCALLA RAYMER LLC WILL FILE SOMETHING CALLED CONTESTED MATTER TO RETURN TO COURT TO DISMM WHAT THEY CALL MOTION FOR RELIEF FROM AUTOMATIC STAY.THIS NEED NOT OCCUR AND BE TERMINATED IF IT HAS BEEN FORWARD. OTHER DOCUMENTS OF FRAUDENT STATUS HAVE BEEN RECOVERED AND ALSO CONVERSATION WITH ROBO SIGNERS HAVE BEEN ESTABLISHED RELATED TO XXXX XXXX XXXX PAST XXXX AND MCALLA RAYMERS ASSOCIATES. CURRENTLY RECIEVING PREMISSION AND NOTARY STATEMENTS TO RELEASE THESE DOCUMENTS.
07/22/2023	Yes	Mortgage VA mortgage	Struggling to pay mortgage	GA 30906	Web
I, XXXX XXXX XXXX, am the son of XXXX XXXX XXXX and XXXX of the successors in the interest of the loan. XXXX XXXX XXXX, as a consumer and creditor, issued her credit card ( 15 U.S.C. 1602 ( k ) ) to XXXX XXXX XXXX, a consumer credit transaction was completed on XX/XX/XXXX, an extension of credit was granted, which created an account with XXXX Mortgage XXXX and pursuant to 18 U.S.C. 8, the bills/coupons are the obligation and responsibility of the United States , fully paid for the property at address XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX, for personal, family and household purposes. XXXX XXXX XXXX disregards 18 U.S.C. 8 and persistently uses mail monthly in attempts to collect debt ( mortgage payments ) via the mortgage address. XXXX XXXX XXXX claimed via usage of mail for the purpose of collecting debt ( mortgage payments ) that documents were mailed per requirement of the Fair Debt Collection Practices Act. 1. McCalla Raymer Leibert Pierce , LLC, on behalf of XXXX XXXX XXXX, disregards 18 U.S.C. 8 and via usage of mail, attempts to collect debt ( mortgage payments ) at the mortgage address is harassment, abusive and oppressive. 2. McCalla Raymer Leibert Pierce , LLC 's use of " borrower '', " loan '' and amount of {$4600.00} is a false, deceptive and misleading representation that runs the risk of repayment of the property that has been fully paid for. XXXX. McCalla Raymer Leibert Pierce , LLC stated that if a payment of {$4600.00} is not paid by XX/XX/XXXX, then a foreclosure sale will proceed, is a false, deceptive and misleading representation that also runs the risk of repayment of property that is fully paid for. 4. McCalla Raymer Leibert Pierce , LLC on behalf of XXXX XXXX XXXX, via usage of mail for the purpose of collecting debt, failed to disclose within their mail that they are a debt collector attempting to collect debt, is a false, deceptive and misleading representation that runs the risk of confusion and misunderstanding. 5. XXXX usage of mail for the purpose of collecting debt, McCalla Raymer Leibert Pierce , LLC 's threat to sell the property in the non-judicial foreclosure state of Georgia is an unfair practice that invades privacy.
11/08/2016	No	Debt collection I do not know	Taking/threatening an illegal action Sued w/o proper notification of suit	IL 60620	Web	Servicemember
On or about XXXX 2016 I received a letter in mail from a Mcalla Raymer Pierce, LLC XXXX Attorney for Plaintiff, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, Ph. ( XXXX ) XXXX, Email : XXXXXXXXXXXX a debt collection attorney firm. As a consumer I believe i 'm a victim of identity theft.This debt collection company were contacting me to inform me they were suing me to foreclose on an alleged lien ( security interest ) that XXXX BANK claim to possess and now they are entitled to my personal housegoods where i dwell. That was the first i heard of this lawsuit, I have not received anything about a lawsuit from a court. I have looked it up online to find out if they were really are trying to sue and take our family goods away. Yes, there in the court records this debt ( data ) firm had filed a lawsuit, signed by a XXXX XXXX XXXX XXXX XXXX # XXXX. Again i have not given her consent to contact me re : any alleged debt ( data ) nor has she let me know she got permission from a court of competent jurisdiction. I do n't understand how a debt collection co. can represent a client are they an attorney firm or are they debt collectors. That appears like misrepresentation of who they are. I do n't owe any debt to them and i do n't know who they are I did not consent to them contacting me re : any debt ( data ) pursuant to FDCPA. XXXX XXXX XXXX XXXX # XXXX signed the letter that stated i had 30 days to dispute the validity of the debt ( data ) or they would assume it was valid. I disputed within the 30 days and requested lawful verification and validation of proof of claim with original or certified documentation. I received a letter from XXXX XXXX XXXX dated XXXX XXXX, 2016 stating she received the dispute letter and she had not completed a review or all the research on the lawful demand to complete and send a response to the issues raised. XXXX XXXX stated i will receive a resonse in writing once they have completed all of their research of some alleged file to respond to the verification and validation.
04/21/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	FL 32303	Web
I was behind on my mortgage and called the mortgage company to make a payment on X/XX/2017 . I was told at that point that I could not make a payment with them, but I needed to contact XXXX , XXXX , XXXX , XXXX regarding a reinstatement quote. I immediately called them and was told that I needed to send in writing that I was requesting a quote. I sent them an email on the same day X/XX/2017 . I received an email back from them the same day stating that they could not find my account. I never heard back from them again until X/X/17 when I was served with a summons for foreclosure. Again, I contacted the mortgage company and XXXX 's office regarding the payments that needed to be made. I was told again to send an email requesting a reinstatement quote ( as it had to be in writing ). I sent the email on X/X/17 , this time with no response. I followed up with the mortgage company about a week later, who stated that the lawyers office forwarded them the quote email and they replied back the same day with the total amount. I called XXXX 's office on two separate occasions having to leave a message both times with no contact back. I finally sent my 3rd reinstatement quote request on X/XX/17 by email again. This time I received an email by the end of the day, with all fees and costs quoted, but with an deadline to pay by X/XX/17 . They gave me a 4 day deadline to pay close to {$10000.00}, and this is AFTER I was already told twice by their company that I would have 30 days to pay reinstatement from the date that the quote was given to me. I feel that if XXXX 's office has responded when I first sent the email back in XXXX , or even the second email the beginning of XXXX there would be more time to resolve this issue as supposed to 3 days before I am supposed to respond to a foreclosure summons. I also feel that 4 days is an unreasonable amount of time to try to pay back fees, especially when I was already told twice that I would have 30 days.
03/13/2017	No	Debt collection Mortgage	Taking/threatening an illegal action Seized/Attempted to seize property	GA 30281	Web
McCalla Raymer Leibert Pierce, LLC and PROF-2013-S3 XXXX, by XXXX, as Legal Title Trustee has engage in unfair practice by violating the FDCPA 1692f ( 6 ) ( a ) by sending a Notice of Foreclosure Sale date XX/XX/XXXX Taking or threatening to take any non - judicial action to effect dispossession of disablement of property if - there is no present right to possession of the property claimed as collateral through an enforceable security interest. McCalla Raymer Pierce , LLC a law firm who regularly engage in consumer debt collection, who litigates on behalf of its clients who principle purpose is debt collection qualifies as a third party debt collector as defined by the FDCPA 1692a ( 6 ). XXXX v, XXXX, 514 U.S. 291 ( XX/XX/XXXX ). The law firm was retained by clients that are not creditors or lenders, but are portfolio XXXX debt buyers / debt collectors who acquired defaulted loans after or has been discharged in bankruptcy, then regularly attempts to collect these debts, who principle purpose is debt collection. And who collect debt owed to another. 1692a ( 6 ). The law firm and their client has engaged in debt collection activity while attempting to enforce a security interest they do not own.15 U.S.C. 1692f ( 6 ) ( a ). They provided no verifiable proof of ownership as requested and no evidence of a chain of title proving possession of the original document that authorize the law firm to initiate a foreclosure action. McCalla Raymer Leibert Pierce, LLC was sent a written dispute letter within the 30 days as required by the 1692g. The law firm has violated 1692g ( b ) by failing to provide the verified documents as required under the under the ACT and initiated an unlawful foreclosure action while continuing to attempt to collect a debt. Birster v. America Home Mortgage Servicing XXXX Inc., 481 Fed. Appx.579 ( 11th Cir. XX/XX/XXXX ).
02/24/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	GA 30064	Web
A law firm on behalf of a company I do not have an agreement with is attempting to collect a debt from my as a debt collector. the original Bank that completed the loan with was provided with a Notice of Assignment and the Promissiory Note with an Allonge that was filed in my county in XXXX of 2022. The servicer has chosen to ignore the instrument and tender. I have rescinded the contract for the following reasons : I entered into this contract agreement with the XXXX XXXX without the following disclosures : I. Full disclosure of my right to rescind ; Consumers right to rescind ( 12 CFR 1026.15 ) II. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. Disclosure the agreement was a consumer credit transaction and allows for consumer protection when it involves a primary dwelling ; IV. Failure to disclose Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices ; ( 16 CFR 433.2 ) V. Failure to disclose that nonpublic personal information will be shared with a nonaffiliated third party ; VI. Failure to disclose the application is self-liquidating paper ; ( 17 CFR 260.11b ( 6 ) ) The Right of Rescission based on a violation of the Truth in Lending Act. There has been a systemic failure to provide several required disclosures of consumer rights and is the basis and the legal justification for this Notice of Rescission. I also provided in the Notice to Cease and Desist is Pursuant to the Fair Debt Collection Practices Act and my right, as a consumer, to terminate all future communications with the debt collector. This was ignored. After a Notice of Default and Dishonor, I sent a Notice of Rescission to the above entities. Now they have referred this to the Law Firm I am reporting in violation of the Fair Debt Collection Practices Act.
11/24/2018	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 91311	Web
I opened a complaint against XXXX XXXX XXXX XXXX. Last month on XX/XX/2018 complaint number XXXX.Still I haven't got an answer from this Debt Collector about my DEBT VALIDATION LETTER, * The CFPB closed this complaint based on their answer they Provided as it follows : " XXXX XXXX XXXX, Mc Calla Raymer Leibert Pierce and XXXX XXXX XXXX are not mortgage servicers -they are still vendors hired by mortgage servicers for the purpose of pursuing foreclosure and would NOT BE DEBT COLLECTORS under settled California Law.Morever XXXX XXXX filled chapter XXXX bankruptcy on XX/XX/2018 is currently represented by bankruptcy Counsel.Any communication back to XXXX XXXX are complicated and possible prohibited by the Bankruptcy automatic stay allows for a legal respite from certain collections activities*. I have to stay this debt collector lie and misrepresented to this Federal Agency, I'm attaching a media publication in which XXXX XXXX XXXX Admitted be a Debt Collector the 5TH page attached to the previous complaint in the third column top in the right it says : '' THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED WITH THAT PURPOSE '' Basically this debt collector is lie and misrepresented to the federal agency, and the reason I opened an new inquire is because they still send me this dunning letters the latest I received is from XX/XX/2018. If the CFPB doesn't take action to stop this Outlaw Company I may file a class Action against them, with another XXXX people who had problems with this Company under the same circumstances, and I already started looking for information on the owners of this company to including in a separate legal action.
03/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web	Older American
This is the second complaint about XXXX XXXX to their own admission they are acting as debt collectors so my complaint is against a collection agency about their illegal collection activity. A bar will be filed when we pinpoint ethical violation of Bar Rules and that will be against the attorneys If you look at Exhibit # 1 This is a letter from XXXX XXXX informing how to dispute the alleged debt and they gave us till XX/XX/2022 to dispute, but they started Foreclosure before the 30-day period ended. Exhibit # 2 Will show you we have seen them the dispute and sent copies to alleged servicer XXXX, alleged investor XXXX XXXX XXXX Exhibit # 3 Will show you the response from XXXX XXXX, in their response they show records from 14 years ago they failed to produce the NOTE that the XXXXXXXX XXXX properly acquired. there was no proof that the current servicer who initiated the Foreclose has the right to service my loan. Exhibit # 4 Will show a few unsigned letters from XXXX acknowledging receiving our document, we have 13 days before the foreclosure no single piece of paper to show the proper transfer of DEED and TITLE which can establish the ownership of the right NOTE holder. In conclusion I would like to state that this dispute has been going on for years now so far, we had 7 plus servicer changes, oddly CEO some of this servicer are serving time for Fraud. There are several court cases against XXXX and class action in New York for violation of TILA RESPA and charging consumers excessive various fees. Because this complain against XXXX XXXX I brought underlying issue with their client to show XXXX XXXX knowingly aiding them to commit fraud and wrongfully Foreclose our property
01/14/2023	Yes	Mortgage VA mortgage	Trouble during payment process	GA 30906	Web
McCalla Raymer Liebert, LLC is attempting to collect debt that XXXX XXXX XXXX has never validated via documentary evidence ( 15 USC 44 ), per my request on XX/XX/XXXX, which violates 15 USC 1692G and discriminates against consumer rights. XXXX XXXX XXXX without the prior consent of the consumer given directly to the debt collector, or the ex- press permission of a court of competent juris- diction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, communicated McCalla Raymer Leibert Pierce , LLC my contact information without an attorney, a consumer re- porting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector ( 15 USC 1692c ( b ) ). After the consumer credit transaction was completed on XX/XX/XXXX by XXXX XXXX XXXX after XXXX XXXX XXXX as a consumer and creditor, provided her credit card to XXXX XXXX XXXX, the property at address at XXXX XXXX XXXX XXXX XXXX XXXX for personal, family and household purposes is fully paid for, pursuant to 18 USC 8. McCalla Raymer Leibert Pierce , LLC has decided to disregard 18 USC 8 and request payments which is harassment, abusive and oppressive ( 15 USC 1692d ). McCalla Raymer Liebert Pierce, LLC is using false, deceptive and misleading representation of the character, amount and legal status of debt to collect debt, which violates sections ( 2 ) ( A ) and ( 10 ) of 15 USC 1692e. Threat and attempts to proceed with a foreclosure sale is a violation of sections ( 4 ) and ( 5 ) of 15 USC 1692e and 15 USC 1692f ( 6 ) ( A ).
11/28/2022	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	NC 27284	Web	Servicemember
The notice that I received on XX/XX/2022, did not meet the standard required by federal and state law for a debt collector to send a written notice containing : a. the amount of the debt ( 1692g ( a ) ( 1 ), b. a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ( 1692g ( a ) ( 3 ), and c. a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor ( 1692g ( a ) ( 4 ). Despite the failure to provide the above, McCalla Raymer Leibert Pierce , LLC gave notice stating that unless I pay the alleged debt in full including attorney fees, there would be a Non-Judicial Foreclosure on XX/XX/2022. I am in the process of sending to McCalla Raymer Leibert Pierce , LLC a " NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT '' notice. Whereas, I expect according to the Consumer Protection Law of the United States Code, verification and validation so that I can consider a resolution if applicable. I dispute this alleged debt, until verification and validation has been fulfilled in accord with the above notice, by the law office of McCalla Raymer Leibert Pierce , LLC ( debt Collector ). Thank You
02/06/2018	No	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OK 73034	Web
On XX/XX/XXXX, XXXX from XXXX XXXX XXXX ( XXXX XXXX, NV ) called me regarding information regarding my mother stating there was a legal file to review ( I have the voicemail saved ). XXXX XXXX XXXX ( XXXX XXXX, NV ) Asked me to call XXXX I returned the call and XXXX answered the phone and shared my mother 's full name, address, date of birth with me before asking if she was speaking to the correct person. Further identifying that there was legal documentation/courier that was sending information regarding a civil suit. They then asked me to verify her social security number over the phone. I refused. She notified me that documentation would be mailed to the address she had confirmed earlier. I later found out that XXXX XXXX XXXX did the same thing and called my sister. They harassed my sister who lives in another city regarding this practice as well. XXXX XXXX XXXX began to harass me and my sister, on an alleged debt from XX/XX/XXXX or before that they believed occurred by my mother. This course of action inspired my mother to call this agency and after threats made to her about an alleged secured debt that incurred in early XX/XX/XXXX. To find out more information regarding this alleged debt, they tricked her into what she believes would restart the statute of limitations. These actions are completely ridiculous and should be actionable.
07/21/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30064	Web
I have proof that the servicer committed forgery and signed without proper power of attorney, stole my identity and faked an address to file a real estate transfer tax document stating I was the seller receiving {$470000.00} in consideration for a transaction that was presented as a foreclosure auction but appears to be staged to commit tax evasion. This appears to be an attempt to pass the tax gain off to file a requisite 1099a form by this debt collector and foreclosing law firms engagement and activities in the recording of documents and material nondisclosure. A rescission under TILA was completed on XX/XX/2022 and the lender/servicer was supposed to return the proceeds in 20 days pursuant to the law and this was not done. These entities proceeded to move forward with a nonjudicial foreclosure by signing as Attorney in Fact without authority and with several notices. Fraud reports were filed with XXXX and the XXXX XXXX Sheriff Department but the entities continued with the foreclosure auction. The foreclosure was recorded under a Deed under Power signed after a Special Warranty Deed was signed as further evidence of the gross negligence of the transaction. It is believed that the real estate transfer tax document that is filed as XXXX XXXX XXXX was and is being used to conduct a disguised sale and constructive liquidation.
02/26/2020	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CT 06704	Web
I received a withdrawal letter dated XX/XX/2019 from the law firm of McCalla, Raymer, Leibert, Pierce, XXXX XXXX XXXX., XXXX, CT XXXX. tel # ( XXXX ) stating, action is withdrawn to all defendants i.e., XXXX XXXX ( myself ) w/out costs to any party regarding a reinstatement refinance that I inherited from my late father. I am the successor of interest to the property where I reside. The attorneys were paid over {$3000.00} by me included in the {$18000.00} reinstatement fee wired to XXXX XXXX XXXX on XX/XX/2019. After that date, I received a letter from McCallas employer, XXXX XXXX stating their attorneys wanted {$1900.00} more. I called & emailed the McCalla firm 3xs asking what the fees were for. They will not and have not responded. I called & faxed XXXX XXXX many times regarding the fees. XXXX will not say what the fees are for. The attorney fees were initiated XX/XX/2019 after the wiring and withdrawal. Please, look into the over inflated attorney charges. I want McCalla to show me in writing what the charges are for & the dates when all these extra charges occurred. XXXX XXXX contact is XXXX XXXX. Tel # XXXX Ext. XXXX XXXX XXXX XXXX. XXXX XXXX, IA XXXX. Ms. XXXX will not respond to that question. McCalla law firms address is XXXX XXXX XXXX, XXXX, CT XXXX. Tel # XXXX.
11/09/2023	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30906	Web
XXXX XXXX XXXX along with their foreclosure attorney, McCalla Raymer Leibert Pierce , LLC, has violated many aspects of the Fair Debt Collection Practices Act, including the nonjudicial foreclosure sale of my mother 's ( XXXX XXXX XXXX ) on XX/XX/XXXX, which was facilitated by XXXX XXXX XXXX XXXX XXXX I requested documents from XXXX XXXX XXXX on XX/XX/XXXX, which were never provided. I submitted civil lawsuits against XXXXXXXX XXXX XXXXXXXX and McCalla Raymer Leibert Pierce , LLC to the United States XXXX XXXX, XXXX Georgia, XXXX Division. XXXX XXXX XXXX dismissals of XXXX and XXXX were done with prejudiced, bias, partiality, lacked integrity and neutrality and when I pointed out how his responses to my submissions with supporting evidence were in conflict to XXXX XXXX XXXX and Georgia 's Judicial Qualifications XXXX XXXX XXXX supported XXXX decisions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX regarding XXXX and XXXX XXXX financially influenced XXXX XXXX XXXX and XXXX XXXX XXXX regarding XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX both have violated Federal Judicial Ethical Canons XXXX and XXXX and Violated Georgia Judicial Ethical Canons XXXX and XXXX, by allowing XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX XXXX XXXX financially influence him.
06/08/2023	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	GA 30019	Web
This debt collector, McCalla Raymer Liebert Pierce, LLP, is attempting to ( 1 ) steal excess proceeds following the foreclosure sale of my primary residence as attorneys fees, ( 2 ) erroneously pay alleged personal debts to entities they do not represent, and ( 3 ) require a waiver of my legal rights to receive the funds. The firm acted as counsel for the mortgage holder in the foreclosure. They failed to respond to numerous communications seeking documentation on the sale, an accounting of the proceeds, including how the amount due mortgage holder. Furthermore, among the funds to be collected by the mortgage holder, were {$4000.00} in foreclosure attorneys fees. Yet, the firm attempts to deduct an additional XXXX XXXX dollars in attorneys from the proceeds due borrower. Additionally, the firm seeks to pay an alleged personal debt out of the proceeds which it lacks the right to do. In short, of the ~ {$17000.00} it states is the amount of excess funds, this debt collector claims it and other entities that it does not represent are due ~ {$13000.00}. Finally, the firm is forcing me to sign a Hold Harmless Agreement which seeks to waive my rights to challenge the calculations or seek other judicial relief in order to receive the funds.
08/28/2016	No	Debt collection I do not know	Taking/threatening an illegal action Seized/Attempted to seize property	GA 31061	Web
in a letter received dated XXXX XXXX, there is information having ( XXXX being one of the parties name in letter ) that property located at XXXX XXXX XXXX XXXX XXXX, was sold at the Courthouse door of XXXX County , Georgia . during legal hours of sale.However, the Courthouse door of XXXX County Georgia was not lawfully designed as an alternative for sale and was not mentioned in the Notice of Sale XXXX XXXX was able to view in a letter dated XXXX XXXX, 2016 from XXXX XXXX XXXX ( McCalla Raymer Pierce , LLC. ) Also, The letter dated XXXX XXXX it stated XXXX was hereby notified that possession was demanded by XXXX who now owns the property.The letter also stated " If possession is not relinquished Immediately, dispossessing proceedings will be initiated to evict XXXX XXXX the other parties.XXXX also received a letter stating that the landlord has filed a lawsuit against XXXX XXXX and XXXX XXXX received another notice being a defendant and XXXX being Plaintiff ... .Another complaint XXXX XXXX has is if an eviction occurred and XXXX was landlord then all court records including property taxes, tenants and joint surviivorship ownership of property should show evidence that things where handled properly and legally by these companies.
08/05/2021	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA XXXXX	Web
This is a complaint about XXXX XXXX XXXX, although theyre a law firm, in this case by their own admission they are acting as a collection agency, therefore my complaint against them as a collection agency. I have received a letter from them on XX/XX/XXXX, marked as Exhibit 1, alleging I owe a certain amount of money to my Mortgage Company and they asked me to request verification of this alleged debt within 30 days of their letter, in response I sent a letter marked as Exhibit 2, which hat they received on XX/XX/XXXX. According to their letter, I had 30 days to verify the debt which would give me time until XX/XX/XXXX. To my dismay I have received a non-Judicial foreclosure notice dated XX/XX/XXXX. Marked as Exhibit 3. This is a clear violation of FDCPA which is a federal law. I would like you to look into this matter and take appropriate action against the collection agency whos responsible for this violation. Thank you for your time, looking forward to hearing from you soon. FYI, XXXX XXXX was known as the foreclosure mill in the state of Georgia during the 2008 financial crisis.
07/11/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30281	Web
McCalla Raymer Liebert Pierce, LLC has engage in unlawful conduct in attempting to collect a consumers debt. prohibited by the FDCPA. The law firm who is subject to the FDCPA has refused to discontinue its illegal debt collection activities. A lawsuit has been filed against McCalla Raymer Liebert Pierce, LLC and other third party defendants for violating multiple provisions of the FDCPA. A copy of the lawsuit is included with this complaint. A partial list of the violation are as follows : Threatening action that the debt collector does not have the authority to pursue. By initiating an illegal non-judicial foreclosure action. Violation of 15 U.S.C. 1692f ( 6 ) a Falsely representing the character, amount, or legal status of the debt. Violation of 15 U.S.C. 1692e Attempting to collect a debt that was discharge in Chapter XXXX bankruptcy. Violation of 15 U.S.C. 1692e Failing to verify disputed debt. Violation of 15 U.S.C. 1692g ( b ) Falsely implied to ( CFPB ) in the consumer response this debt was sold on XXXX XXXX, 2017. Violation of 15 U.S.C. 1692e ( 10 )
05/02/2022	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30038	Web
I received a letter dated XX/XX/2022 from McCalla Raymer Leibert Pierce , LLC with the verbiage " BE ADVISED THAT UNDER FEDERAL, THIS LAW FIRM MAYBE DEEMED A DEBT COLLECTOR. ANY INFORMATION OBAINT MAY BE USED FOR THE PURPOSE OF COLLECTING A DEBT. '' This statement is misleading and misrepresentation of Federal Law. This is decpetive practices. A debt collector must be up front and say whether or not they are a debt collector. Pursuant to Title 15 of the FDCPA there is no such thing as an attorney. I don't have a contract with the hotel. A. drew Powers of McCalla Raymer Leibert Pierce , LLC and McCalla Raymer is using my personal private property to trade, pledge, bargain, sell exchagne, collect, compensate and receive unjust enrichments with my CONSENT. You can my name on your document without my permission is a violation. That is ALSO IDENTITY THEFRT This is a federal McClalla Threaten to seize my property on XX/XX/2022. This is also a violation of Federal law.
12/30/2019	No	Debt collection I do not know	False statements or representation Told you not to respond to a lawsuit they filed against you	GA 30214	Web
This Company was told to cease and desist as a third party collector with no contract to enforce collection of a debt and do not have a bilateral or unilateral contract with the company who contracted them. Lawyers and Attorneys do not have a license to practice law as a BAR Card is only a members card and not licenses. Notice of dispute and a qualified written request has been sent to the company. A power of Attorney has revoked any previous power of attorney and no company has power of attorney for this Estate. Under 12 USC 83 banks can not credit any money from their stock and I believe the note was deposited was cashed and no credit, value of gold or silver has not been given by either company. A request for a Securitization Analysis Report by the Consumer Financial Protection Bureau is requested on this account. All responses are to be by Affidavit of Truth only as letters can be filled with lies. Proof of power of attorney is requested as well
03/07/2020	No	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	FL 33647	Web	Servicemember
I just received a letter from McCalla Raymer Leibert Pierce , LLC ON XXXX. I took out 2nd mortgage in XXXX, since then I received two modifications. My second mortgage of originally XXXX after making payments reduced to 45k-46k. The balance was put in back of the loan and stayed silent. Now this law firm is asking the balance with fees and interest totaling XXXX as of XXXX XXXX. This firm has not taken any action as of yet. Just trying to collect a misinform debt. My home foreclosure may be their short term goal. I did indeed noticed XXXX XXXX XXXX XXXX is not mentioned at all in the letter sent. The original company ( SLS ) in which the money was said to be owed and they would proffit 100 % of the proceeds if successful. I also just looked at my County Court public records and also noticed ( XXXX XXXX ) just filed or added their named along with others on XX/XX/XXXX. I am just a XXXX military war vet. trying to survive another year. Now this.
10/16/2018	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
This Company name XXXX XXXX XXXX XXXX ( It looks the owner/owners of this company owned before XXXX XXXX XXXX XXXX ) sent me a letter Stating I owe the Amount {$900000.00}. I sent them a Certified letter disputing the Amount, However this Debt collector ignored my letter and pursue with its the Illegal Act first recording a void Document stating I owed {$900000.00} and later they to try to sell my house in a Foreclosure Auction on XX/XX/2018.I believe its action of this Company has violated my rights under the FDCPA.I would like to make a formal request to have Regulators from the CFPB to look into the practices these 2 Companies XXXX XXXX XXXX , XXXX & Mc Calla , Raymer, Leibert, Pierce, LLC engaging using the same Phisical Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, Besides I believe its illegal also to send dunning letters as they used a XXXX XXXX XXXX XXXX CA XXXX XXXX
05/17/2023	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30102	Web
MCCALLA LLC> IS OPERATING UNDER A FRAUDULENT STATUTE AND THE UNLAWFUL ACTIONS OF BEING GIVEN INSTRUCTIONS FROM XXXX XXXX XXXX XXXX AS ATTORNEY IN FACT FOR XXXX XXXX. But these are all lies... 1. MCCALLA ceo XXXX XXXX has been served with a writ of XXXX XXXX which leaves his company to be dissolved for their actions. 2. Revocation of power of attorney has been submitted on public record and sent to MCCALL and XXXX XXXX XXXX XXXX This ends all agreements and terminates the Attorney in fact relationship. 3. The deed of property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reconveyed to the private Trust of owner in possession. so now I serve XXXX XXXX XXXX XXXX and their co-conspirators XXXX XXXX XXXX XXXX and H.U.D in a suit of exclusive equity for " Equity regards the beneficiary as the true owner '' " Equity will not allow a statute to be used as a cloak for fraud ''
07/04/2023	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30328	Web
I received a notice via USPS dated XX/XX/2023 from McCalla Raymer Liebert Pierce, LLC located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, regarding a mortgage account with XXXX XXXX XXXX XXXX. Within the letter there is a section labeled " How can you dispute the debt ''? It advises me to respond by XX/XX/2023. Today XX/XX/2023 I received a second notice labeled as Notice of Nonjudicial Foreclosure Sale from McCalla Raymer Liebert Pierce, LLC located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Per Georgia Attorney General 's Consumer Protection Division 's website https : //consumer.georgia.gov/consumer-topics/debt-collectors McCalla Raymer Liebert Pierce, LLC must give me the allowable time to dispute the debt in its entirety or partially. The first notice from McCalla Raymer Liebert Pierce, LLC stated that I have until XX/XX/2023 to dispute the debt.
10/27/2017	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 32405	Web
This company contacted me and left a very threatening voicemail. Said company stated that if they were not contacted back would pursue legal action. Also did not state what it was regarding leaving an assumption that I have done something wrong. Contacted company back and the person on the phone threatened to sue me for a dead debt that is over XXXX XXXX XXXX. I stated multiple times that I do not agree to this debt and the company insisted that I had. Repeated over and over again. Then stated that since I agreed to the debt it starts over the statue of limitations for the next XXXX years. I know the law and this is not true and told the man this who became more irate and threatening to sue me. Continued until the company hung up on me.
02/27/2018	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MO 630XX	Web
I was contacted by someone who knew everything about me. Name address social security number and phone. They frightened me, saying I would be served papers on a collection account ... and be subject to wage garnishment, tax interception, property liens. There is no such thing on my credit report. They sent me a contract to pay via e-mail. It has no physical address. It is very fishy. I'm scared because they know all my vital stats and feel it is probably data from a breach being used to trick me into paying money on a collection issue which has been long since resolved. I can forward you that document to look at. I at least would like professional second set of eyes on it. Thank You
04/06/2017	No	Debt collection Mortgage	Taking/threatening an illegal action Attempted to/Collected exempt funds	CT 067XX	Web
An attorney is trying to collect money deposited with the clerk of the court as compensation for the taking by the town of a small portion of the collateral property under eminent domain. The mortgage was discharged in bankruptcy in XX/XX/2011 and therefore the bank or its representatives such as this attorney may not legally collect these funds to pay down the debt. The mortgage holder had been previously contacted regarding this issue and advised me that they did not have a department to discuss legal issues with and that they were unable ascertain any course of action in the matter. Now that there is money to be had, they want to step in with their attorney and grab it.
10/04/2021	No	Mortgage Conventional home mortgage	Closing on a mortgage	GA 30045	Web
I AM REQUESTING ALLL DOCUMENTATION FROM MCCALLA RAYMER AND OR MCCALL RAYMER LIEBERT AND PIERCE FROM XXXX. THIS INCLUDES ANY ALL ALL COMMUNICATION REGARDING XXXX XXXX XXXX XXXX, XXXX GA XXXX, XXXX XXXX XXXX XXXX, XXXX GA XXXX AND XXXX XXXX XXXX, XXXX GA XXXX. IN ADDITION, I AM HIGHLY RECOMMENDING ALL DOCUMENTS, LETTERS ETC BE SUBMITTED IN IT'S ENTITRETY MEANING ORIGINAL CONTENT, ORIGINAL DATE AND ORGINAL SIGNATURE. UNDER NO CIRCUMSTANCE SHOULD ANY MODIFICATION TAKE PLACE OR ANY DOCUMENTATION LEFT FOR SUBMISSION. SPOUSE 'S BANKRUPTCY NUMBER XXXX. RETAILIATION BY ANY PARTY IS NOT ENCOURAGED AS WE ARE RECEIVING MESSAGES REGARDING DEATH INDIRECTLY VIA MAIL.
10/04/2019	No	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 91350	Web
Despite several attempts, my request for the QualifiedWrittenRequest with XXXX and Affinia XXXX XXXX XXXX has been ignored. Under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) to obtain copies of ALL documents pertaining to the origination of theLoan # XXXX TS # XXXX on the current mortgage on my property has been ignored.As of this date, XXXX and Affinia Default Services have been ignoring our request and aggressively pursuing an illegal foreclosure. Ignoring my request under Section 6 of RESPA is considered to be unlawful.
05/03/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	IL 60605	Web
Long story short the debt was discharged with a Notice of Presentment signed by me the Creditor. with all of the proper endorsements. XXXX XXXX keep on billing us and 9 months later they sold the alleged debt to MCCALLA RAYMER LEIBERT & PIERCE THEY ATTEMPT WITH THE JUDGE TO MAKE IT STICK BUT We did a Forensic Analyst On the Summons. No one respond it was done Register-Mail. I demand that 3 rd party debt collectors produce sign contract. There is a list of violations commented by the agent of McCalla Raymer Leibert and Pierce XXXX XXXX XXXX.
02/17/2017	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	IL 60047	Web
On XXXX/XXXX/16 I received a letter from the law firm McCalla Raymer Pierce. The letter informed me that they intended to commence foreclosure proceedings and asked to respond if I felt the amount was in error. I responded with the attached letter on XXXX/XXXX/16 that I did indeed dispute the debt amount stated. My letter was a QWR and as such, the firm 's failure to respond is a per se violation of the Fair Debt Act.
02/16/2017	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	IL 60047	Web
On XXXX/XXXX/16 I received a letter from the law firm McCalla Raymer Pierce. The letter informed me that they intended to commence foreclosure proceedings and asked to respond if I felt the amount was in error. I responded with the attached letter on XXXX/XXXX/16 that I did indeed dispute the debt amount stated. My letter was a QWR and as such, the firm 's failure to respond is a per se violation of the Fair Debt Act.
02/26/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	GA 30228	Web	Older American, Servicemember
RELATED TO CASE XXXX XXXX BANK ATTORNEY McCALLA RAYMER WAS REQUEST INFORMATION ON HOUSE FRAUDANTLY SOLD AT AUCTION. REQUEST INFORMATION ON SALE. SUCH AS AMOUNT, TO WHOM, VALIDATION OF PURCHASE, AND TITLE INFORMATION. THIS LED TO ASSISTENCE OF DISTRICT CONGRESSMAN, WHOM HAS BEEN MONITORING THIS ACTION OF ROBO SIGNING ON DEED AND MERS AND XXXX XXXX XXXX
09/18/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60605	Web
XXXX XXXX will not remove this account from my credit report even though i am a victim of identity theft
09/18/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60605	Web
XXXX XXXX will not remove this account from my credit report even though i am a victim of identity theft
01/30/2024	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30017	Web

12/24/2023	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	GA 30038	Web

10/24/2023	Yes	Mortgage FHA mortgage	Struggling to pay mortgage Foreclosure	GA 30318	Web

10/24/2023	Yes	Mortgage Other type of mortgage	Trouble during payment process Trying to communicate with the company to fix an issue while managing or servicing your loan	GA 30180	Phone

10/15/2023	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30017	Web

10/15/2023	Yes	Debt collection Mortgage debt	Electronic communications Frequent or repeated messages	GA 30017	Web

10/14/2023	No	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30017	Web

07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 92114	Web

08/05/2022	No	Mortgage Conventional home mortgage	Trouble during payment process	FL 33624	Referral

08/03/2022	Yes	Mortgage Other type of mortgage	Incorrect information on your report Information belongs to someone else	GA 30045	Web

08/01/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07017	Referral

07/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30038	Referral

07/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30038	Referral

06/20/2022	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 10701	Web

05/27/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30038	Referral

09/17/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	IL 60154	Phone	Older American

08/11/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30019	Postal mail

05/13/2021	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 95377	Web	Older American

02/05/2020	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	GA 30078	Referral

02/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

11/07/2019	No	Mortgage Other type of mortgage	Struggling to pay mortgage	IL 60586	Web

10/15/2019	No	Mortgage Conventional home mortgage	Trouble during payment process	FL 347XX	Web	Older American

07/22/2019	No	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	NY 11228	Referral

11/28/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30096	Fax

11/27/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Postal mail

10/26/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 08021	Referral

09/20/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Postal mail

09/18/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	IL 60490	Phone

09/18/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Postal mail

08/29/2018	No	Mortgage Conventional home mortgage	Trouble during payment process	IL 60477	Postal mail

07/28/2018	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30094	Web

07/23/2018	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	GA 30296	Postal mail

07/05/2018	No	Debt collection Mortgage debt	False statements or representation Impersonated attorney, law enforcement, or government official	GA 31061	Fax

04/24/2018	No	Debt collection Mortgage debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 31061	Fax

04/06/2018	No	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30120	Postal mail

04/06/2018	No	Mortgage Other type of mortgage	Struggling to pay mortgage	GA 30016	Referral

03/14/2018	No	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92782	Web

02/27/2018	No	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	GA 30034	Postal mail

12/13/2017	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	UT 84321	Web

11/17/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Phone

11/07/2017	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32082	Web

10/30/2017	No	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	GA 30314	Postal mail

09/19/2017	No	Mortgage Other type of mortgage	Struggling to pay mortgage	GA 30016	Referral

09/07/2017	No	Mortgage Other type of mortgage	Struggling to pay mortgage	GA 30228	Referral

06/28/2017	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30316	Referral

06/21/2017	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 31061	Web

06/02/2017	No	Mortgage Other type of mortgage	Struggling to pay mortgage	GA 30215	Postal mail

05/09/2017	No	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 32578	Postal mail

04/26/2017	No	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	IL 60154	Postal mail

03/31/2017	No	Mortgage Other mortgage	Other	GA 30024	Fax

03/24/2017	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	IL 60608	Postal mail

03/15/2017	No	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	GA 30052	Referral

03/06/2017	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	GA 30013	Postal mail

02/24/2017	No	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt		Referral

02/07/2017	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30101	Referral

02/03/2017	No	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	GA 30281	Postal mail

01/30/2017	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30044	Referral

12/20/2016	No	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	IL 60438	Postal mail

12/06/2016	No	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	GA 39840	Referral

11/30/2016	No	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	IL 60629	Phone

11/23/2016	No	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	GA 30309	Postal mail

11/22/2016	No	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	GA 30135	Postal mail

10/26/2016	Yes	Mortgage Other mortgage	Other	GA 30093	Referral

09/02/2016	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30135	Referral

08/27/2016	No	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 31061	Web

08/24/2016	No	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	GA 30230	Referral	Servicemember

08/18/2016	No	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 31061	Fax

08/16/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30364	Fax	Older American

08/15/2016	Yes	Mortgage Other mortgage	Settlement process and costs	GA 31061	Fax

08/03/2016	No	Debt collection Mortgage	Taking/threatening an illegal action Seized/Attempted to seize property	GA 30281	Web	Older American, Servicemember

07/26/2016	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 31061	Fax

07/19/2016	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 31061	Fax

07/14/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt		Fax

06/29/2016	No	Mortgage Other mortgage	Other	GA 30311	Referral

06/28/2016	No	Mortgage Other mortgage	Other	GA 30311	Postal mail

06/23/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	GA 31061	Fax

05/25/2016	No	Mortgage FHA mortgage	Loan servicing, payments, escrow account	GA 30294	Web

05/24/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30311	Referral

04/05/2016	No	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	GA 30281	Postal mail	Older American, Servicemember

02/11/2016	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30316	Referral

02/01/2016	Yes	Mortgage FHA mortgage	Other	GA 30340	Fax

11/17/2015	Yes	Mortgage Other mortgage	Application, originator, mortgage broker		Fax

09/07/2015	No	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	GA 30273	Web	Servicemember

08/05/2015	Yes	Mortgage Other mortgage	Other	GA 30087	Postal mail

06/30/2015	No	Mortgage Other mortgage	Other	GA 30024	Postal mail

06/15/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30135	Postal mail

06/10/2015	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30135	Postal mail

04/22/2015	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	GA 30013	Web

02/10/2015	No	Debt collection Mortgage	Taking/threatening an illegal action Seized/Attempted to seize property	GA 31061	Phone

12/05/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	GA 30294	Referral

11/26/2014	No	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 31022	Postal mail	Older American

11/19/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30135	Postal mail

11/07/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30135	Referral

09/12/2014	No	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30236	Referral

09/05/2014	Yes	Debt collection Mortgage	Taking/threatening an illegal action Seized/Attempted to seize property	GA 30038	Web

07/09/2014	No	Mortgage VA mortgage	Loan modification,collection,foreclosure	FL 32818	Web

06/19/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	GA 30344	Web