Consumer complaint received 2017-03-29
Company: Caneel Capital, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
We had a 2nd mortgage discharge thru chapter XXXX bankruptcy in XX/XX/XXXX. 
we were not aware that after our property gain equity they could come back traying to collect the debt. in XX/XX/XXXX we received a letter that look suspicious with a company name that we didnt recognized as the lien holder we open the mail and they send us a past due notice for the full amount of {$280000.00}. 
After checking with the BK lawyer to see what we had to do we contacted Trinity Finacial services, llc. for the firt time trying to see how we can work this issue. they say they obtained the loan and wiil work with us refinancing the loan thru them they send us an application and we returned it to them XX/XX/XXXX. after that it was obvious that they were not trying to work with us it was either accept our terms or we will proceed to accelerate forclosure. we ask them if we could work a payoff amount and they said for XXXX they will settle. thru all this proces we keep asking them for copy of the note or documentation in how they obtained our loan and they never provide anything to us. they continue with the forclosure processed and we couldnt hire a lawyer due to lack of funds we pretty much continue making payments to our first mortgage and the foreclosure sale date from Trinity financial services was sent to as to be executed on XX/XX/XXXX. we do n't know how Trinity financial services, LLc. put their name on the trust deed of sale. we received a copy from the county of XXXX as a courtesy. Right after that we received an unlawful detainer from Trinity Financial Services, LLc. Lawyer, we went to court and the judge ask for as to request 30 days from Trinity Financial so we could leave the property and we did we obey the law and get out of the property by XX/XX/XXXX. 
we continue checking with the first mortgage to find out if Trinity Financial send them the payoff and they never received any information from them. second week of XX/XX/XXXX I received information from an ex neighboard letting us know Trinity Financial Services, LLC. accepted an offer on the property and I decided to contact our XXXX to find out if they requested a payoff and they informed me that no the only request was the one I submitted, i told them I did n't request any payoff to please email the information to me and they did to our surprise Trinity Financial Services, LLC. was requesting the payoff with the authorization to release information that we give them 2 years ago for the only purpose of refinancing our loan. Is this shady or what after all we being going thru we tought for our peace of mind we have to submit this complaint to this office the sense of failure by loosing our house is bad enough and if all possible we would like to know if this is legal. And maybe if other people read the complaints that will help them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation