Consumer complaint received 2022-03-07
Company: Amos Financial LLC
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Amos Financial LLC ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Home Loan ) used induce document XXXX XXXX XX/XX/XXXX to collect a debt paid off ; illegal seizing my home through wrongful foreclosure against bankruptcy, then forcing XX/XX/XXXX, using municipal housing court to evict. After I filed complaints of being harassed, threats discriminated against, retaliatory forced out of a property without use, improper procedures through the bankruptcy court, and an improper foreclosure procedure. My complaints filed in Appeal court, bankruptcy court adversary proceeding ( reopen/pending ), and through my answer since XXXX. I have requested numerous times for help ; I did not realize until recently that falsified documents used to deceive me out of property rights by malicious attack and deception was used to collect my property illegally. 

The mortgage they claim is {$79000.00} through fraudulent induce documents used Mortgage Assignment placed on public files as Mortgage Assignment MER filing that file illegal using my forge signatures and personal information in the Appeal court case XXXX connected case XXXX. Other court cases connected housing court XXXX XXXX XXXX XXXX connected to Appeal XXXX XXXX. Bankruptcy case XXXX ( reopen ) connection XXXX bankruptcy ( caused adverse ). 

Amos violated the automatic stay by taking affirmative actions to complete a transfer of the title that was improper mortgage process against in a void mortgage that avoided in XXXX bankruptcy, and that was deed exempted XXXX. Amos has no proof to claim under federal bankruptcy rights. Other causes of action that Amos - Amos has no right to use my personal information or identify to collect in any form.

- Amos has NO mutual agreement with me in any form of no credit, no debt, no mortgage, no credit, or any business-related agreement never.

- Amos financial used misinformation and misrepresentation of debt that they do not own knowingly created falsification of the document with intent to harm and injury during the federal moratorium, after refusing to file a proper motion in federal bankruptcy during pretrial in XX/XX/XXXX. 
- Collect a debt not owed- identify thefts - Debt paid off -discharged in bankruptcy - Misrepresentation of mortgage assignment MER was not a part original closing process during my meeting lender in XX/XX/XXXX with my witness. 
- XX/XX/XXXX Misrepresentation of consumer protection rights using deception to cause harm In XXXX my home was included in bankruptcy discharge ordered and XXXX Amos Financial LLC listed in the Chapter XXXX Bankruptcy discharged real estate property exempted. Amos Financial LLC bankruptcy case and bankruptcy Adversary proceeding reopen XX/XX/XXXX pending. Amos Financial violated the stay when it unilaterally collected contract fees and expenses from property against the federal bankruptcy court prohibition under discharge court order. 

I hold the title interest and warranty deed since XXXX property with a clear title to the property protected by title insurance through a government program. 

The harmed dated : - XX/XX/XXXX, XXXX XXXX, XXXX violation of federal eviction protection, wrongful eviction, wrongful property possession, XXXX. 
- XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX, illegally filing recording to perfect a lien through falsification of document place on appeal court case XXXX after the bankruptcy petition filed and court. 

XXXX XXXX XXXX, during the federal moratorium, continued to harass me, violation of the stay for a creditor to pressure the debtor for payment, made a demand for payment, and threat collection action. Then used falsification of letters and account statements that violated Bankruptcy codes state and federal law by continuing illegal activity in collecting my home from me in XXXX lower court through deception. The coercion of lenders, lawyers, investors, financial companies, and others caused my XX/XX/XXXX XXXX and injury.

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