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MORTGAGE QWR + 12 CFR 1026.13 + OMB DOCTRINE
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This is a Qualified Written Request (QWR) and Billing Error Dispute.
FEDERAL ERRORS ASSERTED:
- Misapplication of payments
- False escrow accounting
- Suspense account manipulation
- Failure to validate note ownership
- Failure to provide full chain of title
OMB DOCTRINE:
Any mortgage statement demanding information or payment MUST carry a valid OMB Control Number.
You failed to produce this, rendering the billing void.
REQUIRED REMEDY:
1. Full accounting
2. Copy of note
3. Chain of title
4. Suspense account details
5. CUSIP, STRIPS, and trust data
6. Cease collection during investigation