BROCK SCOTT, PLLC

2017-01-25

Rockwell, NC

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Complaint: I talked to my mortgage servicer due to Brock & Scott doing a foreclosure attempt from the prior servicer. The new servisor has no record of my house being foreclosed on and an eviction notice was received to vacate the property XX/XX/2017. I filed an appeal with the courts on XX/XX/XXXX to stop this illegal foreclosure. I am requesting a stay on any foreclosure proceedings until this is settled. Brock & Scott has not responed to my compalints!!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-13

Bremen, GA

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt resulted from identity theft
Complaint: A line is now drawn in the sand in reference to alleged Loan # XXXX The above-referenced loan from inception involved what is proving to be a long list of fraudulent misrepresentations, mortgage fraud, both actual and constructive fraud, forgery, identity theft, federal false claims, extortion, deception, slander of title and the list could go on. Despite the concerted efforts to conceal the fraud involved in the transaction identified by the alleged loan identified above ( # XXXX ) the true facts, nature and intent of XXXX and its successors are emerging. XXXX XXXX XXXX, XXXX and its related subsidiaries, XXXX XXXX XXXX XXXX, the FDIC, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX XXXX as successor in interest to XXXX XXXX and as XXXX XXXX XXXX, and its related subsidiaries. Most noted subsidiaries of XXXX XXXX XXXX, specifically is XXXX of XXXX, OH XXXX and XXXX XXXX XXXX and now XXXX have all participated and profited in various ways and at various times in my more than XXXX year long struggle to survive the deception an outright extortion as the following statements of fact and the attached supporting documents will show. FACTS : 1. The contract ( ID # XXXX ) that XXXX XXXX XXXX, XXXX has proffered to XXXX, and all other Successors and Assigns, was rescinded in writing XX/XX/XXXX. Written notice of rescission sent, received and acknowledged by XXXX XXXX XXXX XX/XX/XXXX. Rescission was based upon fraud. XXXX manufactured a means to create a default by increasing a fixed rate mortgage payment from {$800.00} and change to over {$1300.00} and change and stated it was because of a sudden increase in property taxes. Six years of property tax records did not reflect any increase. That followed by misapplied payments and the refusal to return my nearly {$60000.00} down payment along with the threat of foreclosure. This was all within the first year. 2. I purchased a Homeowners title insurance policy from XXXX XXXX XXXX. I have tried. Although I have provided by certified mail many times copies of the policies and the written request for the closing file to determine who received my money and who else needed to be contacted to request the funds be returned. I have received several letters acknowledging receipt of the request and asking that I allow 30 - 60 days and it never comes. I have on occasion had representatives of XXXX XXXX to tell me verbally that information requires a subpoena and that I must sue them to get that kind of information. I have a letter from XXXX XXXX in response to one of my written requests stating that XXXX XXXX does not keep closing files. XXXX XXXX takes a great deal of pride in their '' XXXX ever-expanding, XXXX land-record database that allows them to retrieve and complete the most complex mortgage files '' for the BANKS. What of the consumers who purchase their products? 3. The FDIC would not entertain a claim being filed by a homeowner when I made contact with their office after XXXX went into receivership for their misconduct. 4. XXXX did help to bring a small piece of XXXX XXXX XXXX 's misconduct to light. XXXX provided written confirmation again as they did in XX/XX/XXXX the acquisition date from XXXX XXXX XXXX, XXXX was XX/XX/XXXX. This proves that XXXX XXXX XXXX did not acquire ownership of the mortgage or note in XX/XX/XXXX to assign ownership to anyone. There had been no filings UCC, Deeds or otherwise since XX/XX/XXXX other than my acceptance of the XXXX Deed that I paid for with my own money. 5. XXXX willfully and knowingly filed those fraudulent assignments in an attempt to facilitate another fraudulent foreclosure using the newly created loan out thin air from XXXX. continued on attachment
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-29

Charlotte, NC

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-29

SC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I am a service member whom was never given the opportunity of saving the home nor being saved from eviction. I have worked tirelessly with XXXX XXXX, XXXX, and XXXX in the past to try and obtain a modification or to save my property. The final outcome was that the bank foreclosed on the property to also make claim to a property that was paid for by myself towards the original owner. I have receipts and copies of all the transactions as well as the copy of the deed that was transferred to me after the final payment back on XXXX of XXXX. I have never been given any assistance in rights nor fair treatment in fact everyone has been making it difficult in giving me answers or explanation about the matter. I feel that me and my family have been bamboozled out of our home after making efforts and contact of willingness to pay even on the property that I had purchase and been given a deed to. The deed was stated to be done inappropriately by the means of the bank attorneys Brock and Scott out of XXXX South Carolina. I have also contacted them and they have no sympathy nor compassion to assist me in trying to get their client to work out an agreement. I spoke with a XXXX XXXX from the firm several times and she could only advise that she would make an attempt but felt that there was nothing that could be done. I since have tried to find every avenue in keeping the home before being evicted. I was even advised by XXXX from Brock and Scott that they did not need an eviction hearing due to the county that I am in. And that they had the right to put me and family out without me showing rule of cause of why I should remain in the home. I petition to have the attorney XXXX XXXX to contact me from Brock and Scott in which he never has since I spoke with him after being hospitalized the day of auction when they sold. I felt that Brock and Scott worked to undermine my ability at the time I was hospitalized and away as well as discredit my service as a military member. They have never given or advised their client in my opinion about the rights that I should have had as a consumer. Also the firm utilized their own search of military XXXX XXXX terms, in which I have provided a copy. They also did not take into consideration about the purchase of the property originally and the agreement. But merely wanted to hold law suit against the attorney in whom they advised made a mistake on which property should have had the lien. However I have receipts and evidence and a deed recorded showing that my property was intentionally purchased back in XXXX of XXXX and that the property of the lien went on land purchase and a home that was not structurally sound at the time. Back in XXXX XXXX the home was loss and the property even showed by the insurance company that their was not lien on it. I feel that I have not been given the opportunity to ever be given a chance at obtaining my home nor was my money that I paid consider as a form of purchase. Brock and Scott acted and stole on behalf of the bank my property. I feel that a great injustice has been done to an american soldier right here in her own country. I need my story to be told and heard nationwide of what these banks are doing and their attorneys that they are sending out as XXXX against the people in our communities. I need justice.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-22

GA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: On XX/XX/XXXX I got an initial communication letter from a foreclosure attorney by the name of Brock and Scott stating that i owned XXXX and had XXXX days to dispute debt About XXXX XXXX days letter I received a Notice of Acceleration Letter stating that Brock and Scott was advertising my property for a non judicial foreclosure sale on XX/XX/XXXX less then 30 days and less then XXXX consecutive weeks from the foreclosure date NOT TO MENTION, I DID NOT GET THE OPPORTUNITY TO ASK FOR VALIDATION PRIOR TO THE ADVANCEMENT OF COLLECTIONS. They have violated the non-judicial Georgia Foreclosure laws and Federal Laws and I dispute the debt I also attached an email from a Bank of New York XXXX representative stating that her form XXXX does not own the loan or the property. So how is Brock and Scott advertising that the XXXX owns the loan?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-16

Bremen, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Violation of Georgia 's Residential Mortgage Fraud Act, violation of the FDCPA, and various criminal statutes of GA including but not limited to : O.C.G.A. 16-4-1 CRIMINAL ATTEMPT O.C.G.A. 16-10-20 FALSE STATEMENTS AND WRITINGS, CONCEALMENT OF FACTS, AND FRAUDULENT DOCUMENTS IN MATTERS WITHIN JURISDICTION OF STATE OR POLITICAL SUBDIVISIONS O.C.G.A. 16-8-16 THEFT BY EXTORTION O.C.G.A. 16-8-3 THEFT BY DECEPTION Please see the following. I can not get an answer from these people. XXXX : I am disputing the validity of the current debt you claim that I owe. Again, please treat this letter of dispute as a " QUALIFIED WRITTEN REQUEST, NOTICE OF ERROR, AND A REQUEST FOR INFORMATION '' per the same statutes listed in my previous letter stating the same to both your office as well as your clients. I did receive the acknowledgement on XX/XX/XXXX, but have yet to receive the response. Will this be a repeat of your offense of violating the FDCPA, and Slander of Title by posting our home for foreclosure for XXXX which XXXX would not accept. Notice of Error, Request for Information, and Qualified Written Request : 1. Written notice to XXXX and written response from XXXX stated they transferred the servicing of a XXXX remaining balance on the allege loan transaction identified by # XXXX balance to XXXX. Why have you sent me a letter again threatening to foreclose on my home for {$130000.00}? This is a HUGE ERROR. Please send a detailed list and not a computer printout of codes that explains every dollar that exceeds XXXX. Really? {$130000.00} in miscellaneous fees? 4. Who was the original lender of Loan XXXX? 5. Who was the previous servicer of Loan XXXX? 6. Provide certified copy of note, deed of trust, or whatever legal contractual document that you poses signed by me for Loan XXXX which includes a Power of Sale Clause and a lien on the above listed property address. 7. Please provide the full name, address and telephone number of the actual entity that funded the transaction with identifying loan number of XXXX. 8. For the record. Loan Transaction # XXXX was rescinded XX/XX/XXXX for fraud. That transaction was rescinded in writing and received by XXXX XXXX. Fear and the crime of extortion and a true criminal act of concealment have forced me to pay for the last 10 years on the only contract allegedly linked to my home and that is # XXXX. Loan numbers are determined by creditors and are unique. Loan numbers identify specific contractual agreements. This is a very dangerous circumstance, to have a contract generated and tied to your property without your knowledge. Statement is fully supported by 12 CFR 1026 ( Regulation Z ), which by the way is just one of many regulations violated by your clients ( XXXX ) with respect to this loan they have created from thin air. The only transaction ( # XXXX ) related to the above referenced address that was to be serviced by XXXX had a stated remaining miscellaneous balance of {$28.00}. XXXX of Congressman XXXX 's office called XXXX on XX/XX/XXXX at approximately XXXX and conferenced me in while I was at my work and XXXX stated they will not accept a payment from me with ID # XXXX, which made no sense. XXXX, when I called and spoke with your office on XX/XX/XXXX to verify that your office received the dispute to this Loan previously your response through your Representative XXXX was one of pure fiction. You stated that my response to your XX/XX/XXXX notice was 11 days late and that I was not entitled to the validation of the debt. My response to the notice was sent certified mail and was received on XX/XX/XXXX and not even three days later the notice for power of sale post marked on the XX/XX/XXXX. You did not validat
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Pinellas Park, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-17

Smyrna, GA

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-31

Miami, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Sarasota, FL

False statements or representation

Debt collection: Mortgage

Impersonated an attorney or official
Complaint: A law firm, Brock & Scott , PLLC, based in XXXX XXXX, Florida. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX. ( XXXX ) XXXX. This firm apparently specializes in Debt collections. In XXXX, XXXX, I received XXXX letters, printed with their letterhead, looking very lawyer like, anyone, including myself who has received my fair share of lawyer demand letters. I must reveal a bit of private, protected information about myself. I am a XXXX person, I am well educated, I had to self-represent in XXXX, where for the past 10 years I have suffered judicial and attorney abuse and given no Rights whatsoever, I could n't make it up. I will file a separate complaint for fraud under color of the law. It may be out of your jurisdiction you may think, but a XXXX person is an easy target for exploitation and abuse. A protected, supposedly, class can be a victim of Fraud in any setting. I am XXXX, possibly XXXX. I My condition is XXXX. But, I have studied essentially all the major areas of the XXXX, specializing in XXXX. Back to the complaint at hand. First off, I am in this position due to illegal actions by my private XXXX insurer, XXXX. A separate complaint will be filed. I had no money from XXXX, XXXX until just recently. I applied For XXXX and XXXX in XXXX, XXXX. A 's of today I am still waiting. 18 Months. The SSA Act is meaningless to the SSA. They have deprived me of entitlements I paid into for 35 years. They have destroyed my Civil Rights. I may file a Federal lawsuit for violations of Title VI of the Civil Rights Act of 1964. Sorry I get off point. Its the XXXX. This Law firm, I believe, Has committed textbook misrepresentation, false claims, and Conspiracy to Extort money through Malicious False Representation and Scheme to Defraud through Egregious, Deceptive Fraudulent Misrepresentation of Foreclosure Procedural Law. Mitigating Circumstances is the fact that this heinous, illegal collection tactic was targeted at one of society 's most vulnerable, the XXXX. In that letters, received in XXXX, XXXX, the law firm claimed that XXXX XXXX had retained them to file a foreclosure action. The letter looked legit, the word Foreclosure was presented in Bold type. In the letter, it states clearly that a " foreclosure action has been initiated. '' An average citizen would absolutely believe that this letter from a law firm, on their letterhead, was part of a legal action to Foreclose, causing much fear and anxiety. It was used to illicit fear, an underhanded ploy to extort money. Fortunately, for me, I knew immediately it was a lie because I had never been served with Court Docs. They attempted, with full knowledge, to play on the fears and anxiety of this XXXX person. I Believe this law firm has not just violated the FDCA, but also my Civil and Constitutional Rights Under the XXXX, since the mortgage is most likely connected to XXXX or other government agencies, these parasites also violated the Federal False Claims Act, Engaged in Conspiracy, Conspiracy to Defraud a XXXX Adult, Conspiracy to commit Extortion, Falsely Misrepresenting the Court with respect to Foreclosure Law. They attempted to violate my 1st, 4th, 5th, and 14th Amendment Rights. State wise, they violated Florida 's CCPA, Florida 's Unfair and Deceptive Trade Practices Act. I Am Counting on the FTC to enforce the laws prescribed by Congress. You must send a message that the exploitation of the XXXX will not be tolerated in any way. A {$1000.00} fine is not acceptable. That is no deterant to change behaviour. These people prey on the weak, the vulnerable. I pray you will take this seriously. I am in this position due to being a victim of fraud. I am a victim of circumstance. BTW, I was served with actual Foreclosure in XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-05

Saratoga Spgs, NY

Disclosure verification of debt

Debt collection: Mortgage

Not disclosed as an attempt to collect
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-03

Council, NC

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-21

Warrenton, VA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: I have requested the records of this account because I believe this account was opened by someone other than me. I have not gotten this information and I 've been sent a repayment agreement that is asking me to notarized. Which I was n't aware of apparently a court date was missed and they are saying that I have to sign and notarize this agreement because they could take my house, car or anything they feel is valuable
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-23

Forest Oaks, NC

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-27

Riverdale, MD

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-04

Berkeley Lake, GA

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-03

Chapel Lakes, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-21

Santa Rsa Bch, FL

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-15

Bowie, MD

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-11

Springfield, VA

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-31

Glenarden, MD

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-14

FL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: My home when into foreclosure because i lost my job and would no longer be able to make my payments. The servicers of my loan XXXX XXXX XXXX XXXX loans said I could give the house back to the bank and they would give me {$3000.00} if I left the house clean and complete. I agreed to this cash for keys settlement with Bank XXXX XXXX XXXX loans on XX/XX/XXXX. The bank told me that they would have there attorney write up the contract. I was told to empty the house because this deal would be done around 45 days. I was told to make sure I do not take any of the appliances ect out of the house or I will not receive XXXX. I cleaned and left the house, just like they asked me to. I left it clean and ready for them to take over. It took there attorney XXXX XXXX XXXX at Brock & Scott PLLC,XXXX XXXX XXXX XXXX XXXX, XXXX Fl XXXX till XX/XX/XXXX to have me except the terms and to XX/XX/XXXX to write the contract. I wrote, called, emailed the banks and there attorney over and over to ask them to please hurry with this cash for keys, because I was worried about people breaking in and people stealing things. It is now XX/XX/XXXX. I have wrote more letters, emailed, and called the banks attorney asking to finish this. There has been several break ins and the bank charges me {$740.00} for vacant house fees and other quarterly fees. I believe there attorney is dragging this on as long as he can so he can adds up all his monthly legal fees and than try to get a judgment against me to collect these fees. There attorney could have filed all the papers ect to finish this deal in 1 day. Instead its over 8 months and counting. There oral agreement was that it would 45 days. Yet they will not complete the written contract to give back he house.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-04

TN

Taking/threatening an illegal action

Debt collection: I do not know

Seized/Attempted to seize property
Complaint: this debt collector was transferred the alleged debt the previous debt collector never verified or validated regarding the old account the CFPB is investigating the Case Number isXXXXXXXX and Case Number XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-18

Ernul, NC

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: On XXXX XXXX, 2016 I appeared at an alleged creditor foreclosure hearing case number XXXX at the XXXX XXXX XXXX house in front of assistant clerk XXXX XXXX XXXX XXXX XXXX Clerk of Courts ... acting as a judge and whom is not an attorney nor a judge and was acting in and for a debt collector in violation of the FDCPA. I am a consumer under fed.statue 1692a ( 3 ) and the creditor under fed.statue 1692a ( 4 ). The alleged assistant clerk knew or should have known what she was doing was illegal when she acted outside her jurisdiction regarding a consumer transaction which was timely rescinded under federal law. The assistant state court clerk allowed a debt collector fed.statue 1692a ( 5 ) to be conducted in a creditor related non-judicial state court action in violation of the FDCPA 15 USC 1692i. Clerk also advocated on behalf of the debt collector that the proper procedure for mortgage " acceleration '' was proper without " proof of delivery '' I was denied proper consumer protection in regards to FDCPA statues.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-02

Potomac Falls, VA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response