Consumer complaint received 2020-02-20
Company: Caneel Capital, LLC
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Trinity Financial, LLC contacted me via letter on XX/XX/XXXX regarding a second mortgage on my home. I was ask to contact them right away. I called the number on the letter, and spoke with XXXX. I stated that I was unaware of this loan, and did not have a second mortgage. XXXX offered to send me the proof. I received a deed of trust that originated on or around XX/XX/XXXX. The deed of trust was between the original lender in the amount of XXXX. However, it did not include a percentage rate, and the balloon note was not due payable until XX/XX/XXXX. I felt like a victim, since I had no knowledge of how bad the housing market really was during XX/XX/XXXX. 

I called XXXX back and explained that the note was not even due payable. I ask him to escalate this matter to his management. I did not here back from him. I called severl times again in XX/XX/XXXX, I spoke with XXXX. I ask him to please forward me a servicing instrument that showed my payments, how they calculated my interest in order to support missed payments or any payments at all for that matter. He said he would, I never heard back. On or around XX/XX/XXXX, I received a letter from Trinity Financial Attorney stating that they were going to suit me and possibly foreclose on my home. I called, and the attorney stated no foreclosure proceedings had started, and what would I like to do. I ask him to please provide me with proof that I had defaulted on this debt, since the debt was included in a Bankruptcy in XX/XX/XXXX. Also, the amounts were incorrect. He said he would get back with me. I never heard from him. I made over 14 calls from XX/XX/XXXX - XX/XX/XXXX trying to get this matter resolved, with no legitimate responses. On or around XX/XX/XXXX, A lien to foreclose on my house was filed by Trinity Financial, LLC. by the time I received documentation, it was the first of the year. I immediately responded to the Public Trustee. I filed the right to cure paperwork in a timely fashion. Since that time, I have reached out to Trinity for a settlement offer of the full principal of the loan, over 10 times. I was turned down because they wanted me to fill out a loan modification package, and due to my XXXX, I was unable too. I however, did send a letter of hardship, my mortgage payment slip for the first mortgage, and a couple of other documents. 

On XX/XX/XXXX, I received a second turn down to give me a settlement amount due to the fact I have a incomplete loan or borrows package. I contacted an attorney, who as a favor, reached out to their attorney to see if they could get a settlement amount based on the fact that 1. the loan amount is disputed, 2. the interest rate is not included in deed of trust ; 3 : they refuse to provide me a ledger of payments and how they calculated the interest ; 4.I am XXXX, and have experienced a serious hardship, that I will not recover from, and now I am being threatened by foreclosure to be put out of my only home, or file bankruptcy, this is a tragedy. It is sad to say, even their own attorney has not heard from them according to the last email. 

Trinity Financial, LLC is a corrupt collection agency. I have researched through the CFPB all of the complaints, in addition, their are many lawsuits that are placed against this company for the very reasons I am filing a complaint today. Based on the following reasons, wrong amounts, fraud, misrepresentation of what is owed, increasing amounts from {$34000.00} - XXXX, then it went up to XXXX as the final payoff, this is ludicrous. This 2nd mortgage was also apart of a bankruptcy in XX/XX/XXXX that I filed, and it was thrown out by the judge ( I only discovered this through my resent research ). Trinity Financial, needs to do the right thing, they have violated my rights, and I am in need of justice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation