Consumer complaint received 2017-06-12
Company: Drew Eckl & Farnham, LLP
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a HELOC mortgage back in  XXXX  or  XXXX  from   XXXX   XXXX   During that time, I paid as required, until the mortgage crisis caught up with me in  XXXX . I contacted them to try to make arrangements, but they refused to work with me at all. The property securing the HELOC is in a foreclosure lawsuit that originated in  XXXX  of  XXXX , and  Regions  Bank was named as a Defendant and legally noticed at the same time I was.   XXXX   XXXX   did not respond or file any sort of answer into the court case at the time.     More than a year later in  XXXX  of  XXXX ,   XXXX   XXXX   filed an attorney appearance, and then, a month after that in  XXXX  of  XXXX , filed an Answer. In a hearing or status conference with the Court shortly thereafter, I specifically asked the question about the timeliness of   XXXX   XXXX   claim, and the judge indicated that their answer was untimely and they had lost their opportunity to be a part of the current lawsuit. I assumed the matter was closed and    XXXX   XXXX    claim was dismissed.     However, shortly after those events, in  XXXX  of  XXXX , I received a collections letter that appeared to reference the   XXXX   loan, from a company called   XXXX   XXXX    from  XXXX , MA. They indicated that they were now the " owner '' of the loan and demanded payment. I responded to them, disputing their charge, and requesting proof of their " ownership '' and documentation that   XXXX   XXXX   had transferred this loan to them. I received nothing, and heard nothing as a follow-up to my letter.     But in  XXXX  of  XXXX , some  XXXX  years later, I received correspondence from  XXXX ,  XXXX  and  XXXX , LLP from  XXXX , GA. In this letter, they appeared to indicate they were representing   XXXX   XXXX   directly, but due to the history and the purported selling of the loan to   XXXX   XXXX  , I was quite suspicious. I contacted them, disputed their claim and requested proof of such. I have received nothing, but another demand letter that clears up none of the issues I cited in my original letter, and does nothing to establish who they represent, much less who is now claiming I owe them money.     So, on  XXXX   XXXX ,  XXXX , I sent yet another letter to  XXXX ,  XXXX  and  XXXX ,  XXXX , explaining again my suspicions, and requesting again, for them to show proof of who they are representing, as well as proof that whoever they represent has a claim against me and the nature of that claim.     I am informing your agency of this matter in advance, as I suspect I will continue to receive the run-around from this firm, as has been the case in all collections matters in which I have been associated.     I am requesting that you see if you can find out why these people are harassing me, what the nature of their claim is, and strict proof that this loan has not been charged off, dismissed and retired.     I have attached the last letter I sent to  XXXX ,  XXXX  and  XXXX  containing specific dates of all the events outlined above.

Company response to consumer: Closed with explanation