Consumer complaint received 2022-05-26
Company: Service Finance Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Full letter of Questionable activities follows. Please, redact if need be and with it in mind how this company raised these concerns. 

Complainant XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX EMAIL : XXXX XX/XX/2022 Consumer Financial Protection Bureau Consumer Complaint Division po box 27170 Washington, DC 20038 Dear Concerned Agent ( s ) : Re : Service Financial, LLC And Account Number : XXXX It would seem that Service Financial, LLC has decided to continue their poor behaviors, after making an e-payment on XX/XX/2022, in which I authorized a XXXX, even though I was paying ahead of my required payment schedule. On XX/XX/2022, the above company attempted to deprive me of my Fifth Amendment ( taking monies not due at that time and without my consent ). They, also, apparently attempted to defame me with me bank ; XXXX XXXX ( Address : XXXX XXXX, XXXX, AL XXXX, XXXX. Phone Number : XXXX XXXX ), via an attempt to gain an early account payoff ( Service Financial ACCOUNT # : XXXX, via a full pay-off attempt via wire transfer ( as I understand them ). 

I have not been remiss in timely payments, as XXXXXXXX XXXX  records will confirm, per the Service Financial, LLC contract ( No Acceleration Clause, Defeasance Clause, nor Due-On-Sale Clause included that I could find ), so the reason, other than shifty, predatory, and possible criminal behavior eludes my understanding for their actions that reminds one of the Dodd-Frank Laws. 

XXXX pended, posted, and then rescinded the payment. 

Because of this action by Service Financial, LLC, I suffered undue stress and worry ( I am a XXXX year old XXXX XXXX with the XXXX ), because I have had other outstanding payments drawn against that account, as well as incurred a `` non-sufficient funds '' fee ( likely to stay on my transactions ledger ), thus defaming my reputation ( s ), depending upon just who sees the reports and how they read them. 

I went to their payment website ( https : //myloan.svcfin.com/Dashboard ) and was able to generate copies ( Print Screen as well as Letter showing completion ) of loan, on XX/XX/2022. 

I maintain copies to support my statements and intend to pursue these matters further. 

I, also, checked my XXXX Report on XX/XX/2022, where they no longer showed the loan, as active, either as a misreported home loan or a personal loan. Again, I have Print Screen proof. 

This morning, when I checked my email, I had an XXXX Notification of my dispute being dealt with and another stating there was a dispute that was closed. 

I checked and found that XXXX states that Service Financial, LLC has stated that my account was CLOSED, In Good Standing. Again, I have Print Screen proof. 

Just now, after noon, I went to verify that what Service Financial, LLC purportedly told XXXX was confirmable, via my Service Financial, LLC Account online. 

The questionable company has been involved in less than stellar action concerning my Account, before. I would point out the XXXX XXXX Complaint : XXXX, Ref # XXXX, concerning this business questionable antics. 

I have previously, in good faith, tried to deal in a fashion, attempting to be more than fair. My overtures have been of little avail, as one should be able to see. 

To resolve the problem, I would appreciate your aid in this matter, justifiable repair and recompense from Service Financial, LLC for the way that this company has worried me and attempted their recent stunts. 

Enclosed are copies of records, including their Contract ( dated XXXX ), their non-mortgage statement ( dated XXXX ), their Payoff Notice ( dated XXXX at XXXXXXXX XXXX ), copies of the various XXXX XXXX XXXX, and XXXX screen captures, via the Print Screen Function, concerning Service Financial, LLCs most recent activities towards Account Number XXXX aka my financial well-being and various other non-Service Financial, LLC accounts. 

I look forward to your reply and a resolution to my problem and will wait until XX/XX/2022 before seeking any other new aid with this matter. Please contact me at the above address, email, and/or by phone at XXXX XXXX XXXX XXXX 

Sinc

erely, Named Sender Enclosu re ( s ) are listed within the body of this letter. Copy to be filed, electronically and by e mail.
Refer : Florida Statutes Title XXXIII, Chapter 559.72, for Prohibited Practices, Generally, Not Attached.

Company response to consumer: Closed with explanation