Consumer complaint received 2023-09-30
Company: KCM & AHS LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
My fiancee took his own life XX/XX/XXXX. 2months after that all the money I had XXXX had been stolen. At the time my home was owner financed, I contacted my loan services immediately let them know my situation informed them it would be XXXX before my next expected revenue. My vehicle was broke down as well, I breed and train dogs, So it would be when my puppies where ready to sale when I would have the payments in full to catch up. I was expecting 2 litters between XXXX I also informed the note holders that if this creates any type of hard ship for them I would be glad to go to a bank and refinance. I would be able to barrow against my equity and have truck repaired, get back on my feet. They said XXXX would be fine. In XXXX I revived a letter from KCM & AHS LLC attorney informing me his client had purchased the note and I needed to call to make arrangements to pay XXXX at my earliest convenience. I didn't even get the letter from my mailbox until XX/XX/XXXX it was dated XX/XX/XXXX. I called my mother told her about the letter, told her I didn't know these people Ibthiught I need to send the payment right away instead of the agreed upon date with the previous lenders. She agreed to loan me the money. She called the Attorney for the lender the next day, she said he gave her the run around and implied his client didn't feel like cooking with it. I told her than his client shouldn't had bought a mortgage. The next day she mailed a check for the full amount requested along with a letter starting with the check was for. 3 days later she called me and informed me they had to send the check back with a letter that only stated all communications to be done through their attorney from this point forward. Their attorney did not answer or return any phone calls over the course of the next two months I haven't reaching out for some sort of legal assistance on XX/XX/XXXX I received a foreclosed notice file to the XXXX XXXXXXXX XXXX dated XX/XX/XXXX the stated in it that the plaintiff had made numerous attempts to collect the debt from the plaintiff and she has denied and/or refused to do so so therefore the plaintiff elects his right to foreclose. Well that was obviously a lie considering I sent the payment in full honest desk 23 days after the letter was dated three days after I got out of the mailbox. About 2 weeks after that I was approved for XXXX XXXX XXXX for an attorney there to help me prepare and file my answer. He wasn't proved to represent me in the case but he did go above and beyond and reach out to the attorney for the company over the next several months they did not answer back until 5 months later. When the attorney from going to law services sent a question about the amount they were asking for and the discrepancies between their notice and their summons at which time the paralegal answered if they had made a mistake they were going off the arbitra papers and what was the balance of the loan. And that I should have paid {$1700.00} and some change it came to basically a {$55.00} difference so this company is foreclosing and taking my home on a lie and a {$55.00} mistake that their attorney made basically. I was also approved for South Carolina home Mortgage rescue about a year into this and he also do not payment from them. It also States and the procedure of XXXX XXXX foreclosures that upon serving a homeowner with a foreclosure complaint it must have attached it a copy of the homeowners rights for mortgage intervention this was never provided to me. They requested a specific attorney to ask a special referee over the hearing I presented all this evidence to this special referee along with catching the plaintiff lying on the stand the special referee reminding him he was underneath when he changed his answer and yet the special referee still granted a forclouser. And I still can not see how in the name of the United States of America someone can take someone's home that they have worked their whole life for over a lie on a file court document and a {$55.00} discrepancy made on their behalf. There has been a lot more deceitful acts and misconduct throughout this case but that's more I guess for the legal side.

Company response to consumer: Closed with explanation