Consumer complaint received 2023-12-04
Company: CHN Housing Partners
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Lien release

Complaint:
I am writing to file a complaint against CHN Housing Partners, also known as XXXX XXXX XXXX, regarding the mishandling of my original closing documents, misrepresentation of housing assistance programs, mishandling of a bankruptcy discharge, and misguidance during the XXXX foreclosure prevention. These issues caused a violation of consumer protection laws and bankruptcy laws in XXXX after mishandled documents, wrongful foreclosure, and eviction against my rights caused undue hardship and homelessness for me during the COVID-19 foreclosure moratorium. 

The CHN agency connected to the lender and mortgage servicer caused me to lose my home. Their connection makes them liable for their willful consumer protection laws and violations of the discharge injunction see Rogerson v. Shaw ( In re Shaw ). 
XXXX points are the bankruptcy and crisis ( COVID-19 and foreclosure prevention ) funding that should have protected my right to property after the discharged debt court order prohibits debt collection. I believe the following information from my experience will explain the issues that have affected me as well as many people : 1. Firstly, I want to address the violated bankruptcy discharge orders in XXXX  and XXXX. The court ruling, I completed the bankruptcy process, which protected my right to keep the home that I lived in for an estimated 21 years and obtained title insurance for my property and warranty deed through CHN Housing Partner during closing on or about XX/XX/XXXX. I kindly request written confirmation that verifies the validity of my title insurance policy, ensuring the protection and security of my homeownership rights. 

2. I can also prove I was not delinquent with the mortgage during bankruptcy discharge that holding standing to prove my right denied and credit discrimination. 

3. I hold a title insurance policy that protects me in the event of any defects in the title and a warranty deed that serves as a legal document confirming my ownership of the property. These documents were signed and agreed upon in the XXXX closing at CHN Agency. 

4. In XXXX, I purchased a house through the XXXX of XXXX XXXX program and attended a one-year homeownership class before purchasing the home in XXXX. CHN Housing Partners is responsible for handling the closing documents that prove title insurance, warranty deed, and advance funds from the approval XXXXXXXX XXXX XXXX application for residential home loans for government funding. 

5. The organization also misrepresented the XXXX  housing assistance programs for the prevention of foreclosure and the bankruptcy discharge order, which ultimately led to the loss of my house during foreclosure and wrongful eviction. 

6. XXXX, I followed their directions after providing bankruptcy documents to their agency XXXX New loan prevention program XXXX XXXX XXXX closing procedure instructed me " not to pay '' as they modified the new loan that should have voided the first and second mortgage, which led to a wrongful foreclosure and wrongful eviction. I later discovered that their lender and mortgage services forged original documents used during the closing process at the agency to work together and take my assets and home due to their program. Additionally, they denied helping with COVID-19 eviction during a time of crisis. 

7. XXXX, I must address the failure to receive adequate assistance in relation to the ongoing COVID-19 situation. Despite my eligibility and approval for relief, assistance was not provided as promised. 

To provide some context, I have recently been through a bankruptcy process and have pending cause for reopening a case for violation of bankruptcy code, state, and other federal laws, which has merits after I received successfully discharges that included property purchase through CHN Partner organization and cleared for collection and litigation. As a result of this situation, I can provide evidence of my merits in having title insurance that holds protection and a warranty deed and bankruptcy court discharge order. 

I need a stable place to live, and I have found CHN Housing Partner 's programs to be an excellent opportunity for home ownership and assistant housing as they market to the public on their website. 
In terms of moving forward, I have decided to take my case to federal court to seek additional help and support. I believe that by providing truthful and factual information about my circumstances. I can further strengthen my case and ensure my rights are protected. I am committed to pursuing the truth and sharing all relevant facts to present a strong and compelling argument. 

I urge the Consumer Protection Agency to investigate this matter thoroughly and take appropriate action to hold CHN Housing Partners accountable for their actions. 

Sincerely, XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation