A $2.6M mystery on his mortgage – now two servicers face a federal suit
He is not saying his entire mortgage balance is wrong. The filing states he “does not claim that the entire amount of his mortgage balance constitutes damages merely because he disputes that balance.” What he alleges is narrower – the $2,606,506.60 figure is a specific disputed servicing and accounting matter that needs to be investigated, explained, documented, and corrected if it turns out to be wrong.
What Haynes wants now is a paper trail. The suit asks the defendants to identify the date the amount was created, the transaction behind it, which entity paid or received it, the originating account, the destination account, the accounting code used, and whether the figure represents actual funds, a payoff figure, a servicing-transfer balance, or something else entirely. That is a long list. And according to the filing, none of it has been answered.
There is a state-court fight running alongside all of this. A Justice of the Peace in Bell County, Texas, ruled against Haynes on September 11, 2026, in an eviction proceeding – Cause No. 11CV2601572. Haynes filed a Notice of Appeal on September 28, 2026. He includes that proceeding as factual background in the federal case, but he is clear about what he is not asking for. He does not want the federal court to reverse the state judgment. He does not want it vacated. He is not asking the federal court to act as an appeals court over the eviction at all.
What he does want is for his federal claims to stand on their own.
The suit brings four counts. The first alleges the servicers violated RESPA, the federal law that governs how mortgage servicers must handle borrower inquiries and account disputes. According to the filing, the servicers failed to properly respond to Haynes’ written inquiries, failed to investigate alleged errors, failed to make corrections, and failed to provide required explanations about disputed account information.
