Product: Mortgage

I have owned my property since XXXX and have consistently made timely yearly payments to the XXXX HOA XXXX Last payment I made was {$480.00} and I was current. However, when I attempted to make an early yearly HOA payment for XXXX, I was informed that XXXX XXXX XXXX was no longer accepting payments for the XXXX XXXX XXXX It was at that point that I learned the XXXX XXXX XXXX XXXX had switched from XXXX XXXX XXXX XXXX Western Alliance. Unfortunately, I was not notified of this change via email, phone, or mail. Additionally, the HOA website was changed without any proper notification. Moreover, I had not received any monthly notices, statements or communications from the XXXX HOA , whether by email, phone, or mail regarding changes, leaving me unaware of my account status and payment details. After I managed to access my new account, I discovered discrepancies in the billing, including significant overcharges in late fees throughout the year. Charges were applied despite my not having received any late notices or communication from XXXX HOA . I believe these actions are unfair, deceptive, and a violation of the Fair Credit Billing Act. I filed numerous complaints with XXXX via their website. XXXX XXXX has received two payments of {$530.00} for the year XXXX and {$590.00} for the year XXXX. Their accounting is all over the place and they intentionally target and attack homeowners whom they do not want living in the community- it is discriminatory. They have been targeting and attacking my property since XXXX trying to come up with different ways take my real estate. The explicit bias, violates HUD Fair Housing Act. 

I paid XXXX HOA and they intentionally placed false reports, overbilled, intentionally did not send statements, intentionally reported negative marks to XXXX XXXX XXXX and Western Alliance Bancorp . I have received multiple emails stating that the HOA payments made with my card were never received, followed by notifications indicating the payments received were returned. 

XX/XX/XXXX {$650.00} payment was made to XXXX XXXX - XXXX XX/XX/XXXX {$650.00} payment was made to XXXX XXXX XXXX XXXX returned the payment XXXX XX/XX/XXXX {$650.00} was credited back to the account by XXXX XXXX XXXX did not process XX/XX/XXXX {$530.00} payment was made to XXXX XXXX - XXXX XX/XX/XXXX {$590.00} payment was made to XXXX XXXX - XXXX XX/XX/XXXX {$650.00} XXXX XXXX refunded the payment XXXX did not process XX/XX/XXXX {$650.00} chargeback from XX/XX/XXXX XXXX did not process XX/XX/XXXX {$590.00} payment was made to XXXX XXXX - XXXX XX/XX/XXXX {$530.00} payment was made to XXXX XXXX - XXXX My original payment method, my XXXX XXXX, shows no credits from XXXX XXXX XXXX, Western Alliance, or XXXX HOA XXXX I brought my concerns to VP at XXXX XXXX ( XXXX ) XXXX and he stated that I had a credit on my account of {$2000.00} and he did not know what was going on but he would contact his accounting CPA firm in XXXX XXXX. When I attempted to log into my DTA HOA account, I found it had been closed or blocked, and Ive been unable to reach anyone at XXXX HOA via phone. 

Furthermore, there is intentional false reporting regarding ACH payments, despite my consistent and timely HOA payments made with my card, which directly concerns my real estate purchased through my VA loan. A series of accounting errors, incorrect category codes, overbilling, and false reporting have negatively impacted my credit, finances, and identity- specifically my personal Information, credit and financial reputation. These actions have caused significant distress and damages. In addition to the bank and HOAs financial mismanagement issues, the HOA 's conduct violates several professional and legal standards, including the NMLS agency regulations, ethical guidelines for community managers, Fair Housing laws, and the principles of management and supervision. The HOA also have failed to adhere to proper risk management practices, trust fund handling procedures, and consumer protection laws, all of which are fundamental responsibilities of a CMCA-certified manager. The HOA 's handling of this situation violates the professional standards and ethical guidelines required of a CMCA-certified manager, including failure to maintain accurate financial records, communicate transparently, and adhere to appropriate dispute resolution processes. These violations undermine the integrity of the HOA. Furthermore, as banking professionals, the individuals involved in processing my payments are required to complete Continuing Professional Education ( CPE ) each year, which should ensure they understand the proper application of payments to my account. It is clear that, despite this professional training, the handling of my payments as well as code applications etc have been mishandled, resulting in a significant negative impact on my finances and personal standing. These practices are a violation of several federal and state laws, designed to protect consumers from inaccurate financial reporting and deceptive practices.