MMA legend Tito Ortiz is in hot water for allegedly filing for unemployment against the City of Huntington Beach ... despite still drawing a full monthly check.

And why is he drawing a check? BECAUSE HE'S THE MAYOR PRO TEM!

Yeah, not a good look!!

Records show 46-year-old Tito -- real name Jacob C. Ortiz -- filed paperwork with the  California Employment Development Department back on Feb. 22, claiming he hasn't been able to work full time as a City Council member since Feb. 9 due to the COVID pandemic.

FYI, Ortiz won his City Council seat back in November 2020 and was sworn in on Dec. 7.

The job reportedly pays $1,500 per month in salary -- plus Ortiz also receives a stipend and expense allowance.

The problem with Tito's claim ... officials say Tito has NOT taken a pay cut due to the pandemic and his claims appear to be bogus.

Huntington Beach Mayor Kim Carr told NBC4 in L.A., "[Ortiz has] been receiving the same amount of wages and hours."

She also expressed concerns that Ortiz's claim may constitute fraud.

Ortiz may have a perfectly good explanation -- but so far, he hasn't commented publicly about the situation.

Tito made a ton of money during his MMA career -- and flaunts it regularly. He lives in a massive house in Huntington Beach and drives fancy cars around town. Have you seen his boat?

Ortiz -- a huge Trump supporter who once claimed COVID-19 wasn’t real -- has butted heads with many people in the city since taking office.

During his 1st planning meeting on November 5, Mayor Carr refused to let Tito into the building because he refused to wear a mask.