Jan 27, 2022
I think everyone should send a complaint to the CFPB as follows:
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Like millions of other homeowners, I have been trying to get one simple answer to one simple question: What is the current status of any unpaid loan account receivable due from me? And for years we have all failed to get any response that answered the question. Here is yet another example of how that question is evaded.
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The CFPB was chartered to protect financial consumers from abuse, fraud, and other illegal practices. If there is a legitimate reason why no person and no company will answer that question, then what is that reason? If there is no legitimate reason why no person or company will answer that question, then why does the CFPB leave it to individual consumers to shoulder the entire burden of revealing illegal behavior?
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My specific question arises from experts that concluded that all securitization players have been paid in full through the sale of securities. The sole basis for any claim, right, title, or interest to my money or my property arises from the production of a payment history that is neither prepared by any named servicer nor from data they have input or processed. They neither collect nor disburse money. Their “reports” are neither records nor reliable. Their reports are hearsay on hearsay.
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And yet the CFPB continues to accept responses from them as though they were a creditor or representative of a creditor. They are not. Worse, despite receiving tens of thousands of complaints, the CFPB has refused to investigate or publish any factual findings relating to false claims of sale and securitization of my debt.
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I demand that the CFPB take action and I demand access to the results of those findings. If any unpaid account receivable exists on the books of any person or company I am willing to pay it. But if it is not there, then why should anyone pay it? And if it is not there, then what is being done with the money received by undisclosed third parties from homeowner payments and foreclosures?
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Neil F Garfield, MBA, JD, 74, is a Florida licensed trial and appellate attorney since 1977. He has received multiple academic and achievement awards in business, accounting and law. He is a former investment banker, securities broker, securities analyst, and financial analyst.
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