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COMPLAINT - XXXX XXXX, XXXX RE : Lender refuse to respond or accept mail demand for pay-off and payment history request for my " High Cost '' mortgage loan. Which is preventing me from Refinance for over two ( 2 ) years.
I have made several complaints since XXXX about this Lender violating my rights under RESPA, TILA, HOEPA and GAFLA. Because the law are strict and I did not file my complaints within 12 months of me receiving the mortgage, XXXX has gotten away with violating the law repeatedly.
Additionally, when I file my complaint with your office in XXXX prior to the enactment of the new laws, because he was a small lender, you stated a lot of the laws did not apply to him, so he continued to abuse my rights as a consumer.
See attached document for full complaint with attachments
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