Consumer complaint received 2017-04-25
Company: TFS FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
A man by the name of XXXX XXXX XXXX came out to my home on several occasions. On every date that he came to my home he NEVER came serving a LAWFUL Eviction Notice that was certified by a COURT OF COMPETENT JURISDICTION and a NOTORIZED BY AN OFFICIAL NOTORY PUBLIC. On XX/XX/XXXX ( although its dated XX/XX/XXXX ) a door hanger was left on the door which stated the following ; Date XX/XX/XXXX IMPORTANT PLEASE CALL Third Federal Savings and Loan Association of Cleveland XXXX PLEASE BE READY TO GIVE YOUR NAME & ADDRESS OF PROPERTY WE ARE EXPECTING YOUR CALL TODAY *If you are currently a debtor in bankruptcy under any chapter of the Bankruptcy Code or if you have previously discharged your obligation to Third Federal Saving and Loan Association in a prior bankruptcy proceeding, this notice shall not be construed as an attempt to collect a debt.
The compilation of this document is in violation of 1692 ( j ) ( a ), 1692 ( f ) ( 6 ) ( A ), 1692 ( f ) ( 6 ) ( c ), 1692 ( e ) ( 1 ) 1692 ( e ) ( 5 ), 1692 ( f ) ( 10 ), 1692 ( d ) ( 1 ) and 1692 ( d ) ( 2 ) of the Fair Debt Collection Practices Act On XX/XX/XXXX  XXXX XXXX XXXX handed me a business card that has the following information on it XXXX COUNTY SHERIFFS OFFICE XXXX XXXX, Sheriff XXXXXXXX XXXX XXXX XXXX XXXX, Ohio XXXX http : //sheriff.franklincountyohio.gov Deputy XXXX XXXX Civil Bureau Office ( XXXX ) XXXX Cell ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX He also placed a neon orange 81/2 x 3  sticker on the door with the following information ; Case No. XXXX XXXX XXXX  Third Federal Savings + Loan Pltf. Vs. XXXX XXXX XXXX et al Deft To the occupant of XXXX XXXX XXXX I hold in my hands a writ of possession in the above numbered case which is a demand that you vacate this property beforeXX/XX/XXXX. Failure on your part to comply with this order will compel me to take possession. Kindly save yourself any embarrassment by complying with this order at once. This will be the nly notice you will receive from me NO EXTENSIONS LEAVE KEYS IN MAILBOX XXXX XXXX, Sheriff XXXX XXXX XXXX XXXX ( Rev. XX/XX/XXXX ) Important You Call The compilation of this document is in violation of 1692 ( j ) ( a ), 1692 ( f ) ( 6 ) ( A ), 1692 ( f ) ( 6 ) ( c ), 1692 ( e ) ( 1 ) 1692 ( e ) ( 5 ), 1692 ( f ) ( 10 ), 1692 ( d ) ( 1 ) and 1692 ( d ) ( 2 ) of the Fair Debt Collection Practices Act XXXX XXXX XXXX also passed to be a bright neon green 81/2 x11 document with the following information ; XXXX COUNTY SHERIFFS OFFICE Sheriff XXXX XXXX Civil Division YOUR EVICTION DATE HAS BEEN SCHEDULED FOR AT ONCE-YOU MUST VACATE THE PROPERTY NOW!!!
THE EVICTION WILL BEGIN AT XXXX XXXX  PLESE CALL DEPUTY XXXX XXXX WITH ANY QUESTIONS OR CONCERNS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, Ohio XXXX XXXX XXXX XXXX XXXX http : //sheriff.franklincountyohio.ogv The compilation of this document is in violation of 1692 ( j ) ( a ), 1692 ( f ) ( 6 ) ( A ), 1692 ( f ) ( 6 ) ( c ), 1692 ( e ) ( 1 ) 1692 ( e ) ( 5 ), 1692 ( f ) ( 10 ), 1692 ( d ) ( 1 ) and 1692 ( d ) ( 2 ) of the Fair Debt Collection Practices Act None of the bright neon orange or bright neon green documents were certified by a court of competent jurisdiction or notarized by an official notary.
On XX/XX/XXXX XXXX XXXX XXXX came out with 3 other men ; one identified himself as Deputy XXXX. The other men did not have badges and have not been identified at this point in time. At least three of the men had guns. Given there has never been a lawful eviction notice and two of the men present have not been identified and entered my home with guns this is actually a Armed Burglary/Home Invasion/Tress pass The Victim of this Armed Burglary/Forced Home Invasion/Trespass signed an affidavit attesting to the events that occurred on XX/XX/XXXX. She has been traumatized and has not return to live in the home due to fear.
A second witness was present on XX/XX/XXXX and completed an affidavit. He witnessed the event when the four men entered the home and documented what he remembered. He stated that they were in plain clothes and unmarked cars. He stated that they were taking pictures of every room of the house. He questioned whether they were going to set my belonging out on the street and they informed him I have 72 hours to respond to this.
On XX/XX/XXXX I was called by the father of the victim who had the guns pointed at her. I left work immediately when I received notification of the Armed Burglary/Forced Home Invasion/Trespass. When I arrived, a man who identified himself as Deputy XXXX was in my driveway in an unmarked car. He was wearing tan khaki pants and a black shirt. I asked him who he was. He stated his name was Deputy XXXX. He informed me that I had to be out of the house. I informed that I never went through federal court. He stated something to the effect that I had until XX/XX/XXXX to be out of the house. I informed him that the process was not lawful and he would need to go through a court of competent jurisdiction. When I asked to see any official paperwork or identification he backed out of the driveway and drove away.
The locks were changed in both the front, back and garage doors. The garage door opener was disengaged and a lock was placed on it as well. In addition they cut the main water valve off.
Without a lawful eviction, these are all criminal violations.

Company response to consumer: Closed with explanation