Date Received: 2018-11-02

Product: Mortgage debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I would like the CFPB to make me a spot check of the abuses going on with the servicers and investors in the rapacious mortgage industry.
I truly believe I have now PAID {$320000.00} of {$580000.00} I DO NOT OWE and lost a duplex to wrongful foreclosure. There are deeds of trust recorded with duplicate releases and subordination agreement to mortgages I have paid or never had and assignments of deeds previously paid. I believe I have paid debt buyers for credit cards that were first of all prepaid from my escrow account repaid in the payments I made to the cards AND finally discharged in a bankruptcy I did not need on debt I did not have. Disbursements were added to the mortgages first to the property I lost because of it and then added and now paid to the modification of home loan. Finally I also believe claims were made to a XXXX XXXX seasoned trust that they thought I owed and paid and then transferred to another servicer.

I borrowed {$210000.00} in XXXX. I have literally paid {$720000.00} to principal.

I had an {$82000.00} line of credit that was extinguished -because it was paid.

I owed {$43000.00} for my duplex in XXXX paid {$70000.00} and owed {$53000.00} at the foreclosure for the {$13000.00} added in a refinance. AND I believe was already included ( addeded into my home loan by XXXX XXXX-one of the companies paid twice ). I believe another loan I owed for a property I had sold with a wraparound mortgage was attached through subordination agreement to the duplex and didnt count the {$47000.00} I believe I overpaid and was never mortgaged and I did not owe to anyone.
I have submitted mounds of documentation to the Cfpb and made 2 submissions to the independent foreclosure review. ( That SPS can not provide and XXXX XXXX and XXXX did not provide and XXXX XXXX has yet to provide ) I was included in multiple class action suits administered by XXXX XXXX and have received exactly {$0.00} in compensation or restitution from XXXX XXXX.



State/Zip: MO 64081

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Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3064378

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