Consumer complaint received 2015-09-23
Company: Suttell, Hammer & White, P.S
State: AZ
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am copying the complaint I made against XXXX XXXX Bank here, as it is the same complaint I 'm filing against Suttell and Associates P.S. Attorneys at Law. 

I became permanently XXXX with XXXX in XXXX. I received a notice of intent to foreclose from XXXX in XXXX, XXXX. I vacated the house in XXXX, XXXX, after filing for Chapter XXXX bankruptcy. The bankruptcy was discharged in XXXX, XXXX. In XXXX Bank XXXX XXXX took over the mortgage, which still was not foreclosed. I continued to pay homeowner 's insurance through XXXX XXXX Insurance until XXXX, XXXX, when XXXX XXXX Insurance cancelled my insurance because the house was not occupied. My annual insurance premium was approximately {$500.00}. I had been a customer of XXXX XXXX Insurance since XXXX. Bank XXXX XXXX acquired homeowner 's insurance for the house from XXXX XXXX Bank, at an annual premium that was over {$3200.00} annually. The insurance premium was applied to the escrow account on the house at {$850.00} quarterly. The bank did not foreclose. I started the process for a short sale in XXXX, XXXX. Shortly after that, Bank XXXX XXXX sold the mortgage to XXXX Bank, serviced by XXXX XXXX. The short sale was still in process by the following XXXX, XXXX. The title company working with XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, discovered that XXXX XXXX Bank had applied a lien for over {$11000.00} to the mortgage -- a personal lien in my name. They discovered that XXXX XXXX Bank had also applied an item labeled a charge card to my bankruptcy records for the exact same amount. I never had a credit card with XXXX XXXX Bank. The items added to the bankruptcy record had n't been on the original paperwork. I was never notified about the lien. The only lien on the mortgage was for several years of utility bills for the house I had vacated, expecting foreclosure. There was a second item related to XXXX XXXX Bank on the altered bankruptcy record for XXXX P.S. Attorneys at Law for XXXX XXXX Bank. There is only the firm name on the record, with a XXXX amount owed. The same amount as the lien is entered on the line above as a XXXX XXXX Bank charge card. I do n't know whether the {$11000.00} is for attorney fees or what, but I do know it was applied retroactively to a bankruptcy already discharged and also applied as a lien to the mortgage, which Bank XXXX XXXX has sold to XXXX Bank. The short sale failed, as a result of the buyer being unwilling to pay the lien amount and, also, because XXXX XXXX bank decided to offer the house on an online auction to see if they could get a better offer. I was never notified about the lien, which was applied in XXXX to a bankruptcy discharged in XXXX. I will be filing a complaint against Suttell and Associates. These complaints joint the XXXX already filed against XXXX XXXX and Bank XXXX XXXX. XXXX other note is that, when I asked Bank XXXX XXXX to help me with this issue, I was told they are not a party to this transaction ; that I would need to file a complaint against XXXX XXXX Bank.

Company response to consumer: Closed with explanation