Consumer complaint received 2021-03-07
Company: BSI Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
TIMELINE OF EVENTS I filed a Chapter XXXX Bankruptcy case XXXX which resulted in an agreement filed on XXXX XX/XX/XXXX Docket XXXX. This reaffirmation agreement between debtor XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX The Federal approved agreement for the balance of the loan on XXXX XXXX XXXX XXXX, Ohio XXXX to be reduced to {$25000.00} keeping in place the original term and rate but with a new payment of {$130.00} with a maturity date of XX/XX/XXXX. SEE EXHIBIT A On XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX filed a motion in XXXX XXXX XXXX XXXX XXXX case no XXXX listing under count one the amount of {$64000.00} the original sum of the mortgage. This original amount of the mortgage was subject to the defendant 's bankruptcy reaffirmation agreement and under the United states bankruptcy rules the action of collection was a violation by the creditor to even list this dollar amount on a document in the foreclosure suit.SEE EXHIBIT B On XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX listed the balance owed by XXXX XXXX XXXX in the amount of {$22000.00} under count one caption 6. SEE EXHIBIT C On XX/XX/XXXX in case XXXX Bank XXXX XXXX list under PRAYER FOR RELIEF caption A a judgement in the amount of {$22000.00}. The creditor never listed the Chapter XXXX reduction from {$64000.00} to {$25000.00} in the court case but again listed the original amount of the loan as {$64000.00}. SEE EXHIBIT C In XXXX XXXX XXXX XXXX notified BSI of the incorrect dollar amount of the loan though a OWR NOTICE OF ERROR filed with the CFPB BSI replied that they did not have permission to discuss my loan with a 3rd party. 

In XXXX in a attempt to manipulate XXXX XXXX to accept a resolution for the banking error by XXXX XXXXXXXX XXXX pervious processing company BSI illegally reported a deed in lieu with the credit bureau and then issued a letter to XXXX XXXX XXXX after another CFBP complaint was filed stating that it was placed by mistake. SEE EXHIBIT D On XX/XX/XXXX BSI stated in a response letter in regards to my CFPB complaint that BSI had failed to even issue a 45 day delinquent letter to XXXX XXXX XXXX and stated that BSI did not issue a letter nor could BSI provided a letter from the previous loan service company because as stated in the CFPB complaint they had failed to issue a letter to me of the delinquent loan because of all of he violations in the processing of the loan could not be corrected. SEE EXHIBIT E CONCLUSION 1. BSI on XX/XX/XXXX agreed to accept from XXXX XXXX XXXX to pay {$25000.00} the reaffirmed balance of the loan to settle case XXXX XXXX and by paying off the loan in full as listed in the finale amended notice of dismissal signed by XXXX XXXX XXXX the attorney for BSI and XXXXXXXX XXXX XXXXXXXX XXXX XXXX SEE EXHIBIT F BSI NEEDS TO REMOVE FROM MY CREDIT REPORT THAT THE LOAN WAS SETTLED FOR A LESSER AMOUNT WHEN IT PLAINLY STATED IN THE FINALE COURT DOCUMENTS THAT THE LOAN WAS PAID IN FULL. THE BALANCE OF THE LOAN PER BSI WAS {$22000.00} AND I PAID {$25000.00} IF ANY THING I AM OWED THE DIFFERENCE IN THE AMOUNT. 

FDCPA VIOLATIONS BSI HAS REPORTED THAT THE BALANCE OF THE LOAN WAS {$64000.00} ON MY CREDIT REPORT THIS IS NOT TRUE PER THE REPORTED BALANCE AMOUNT IN CASE XXXX. XXXX XXXX HAD SETTLED THE LOAN AND IT WAS PAID IN FULL.. BSI HAD FAILED TO BE TRANSPARENT WITH THE COURT ON THE HISTORY OF THE LOAN. THE LOAN HAD BEEN INCLUDED IN A CHAPTER XXXX REAFFIRMATION AGREEMENT IN A BANKRUPTCY CASE TAKING THE BALANCE OF THE LOAN TO {$25000.00}. BSI STATED THE BALANCE OF THE LOAN WAS {$22000.00} AT THE TIME OF THE FILING CASE XXXX. I PAID {$25000.00} TO SETTLE THE LOAN THAT EXCEEDED THE BALANCE OF THE LOAN AND WITH ALL OF THE CORRUPTION IN THE SERVICING OF MY LOAN I ONLY WANTED TO GET AWAY FROM BSI AND THE INVESTOR. 

XXXX XXXX PAID THE REAFFIRMED AMOUNT IN FULL PER THE UNITED STATES BANKRUPTCY COURT AGREEMENT. 







XXXX XXXX

Company response to consumer: Closed with explanation