Consumer complaint received 2016-03-17
Company: FIRST HORIZON BANK
State: MD
Product: Other financial service
Sub-product: Refund anticipation check
Issue: Disclosures

Complaint:
RE : CFPB Case number : XXXX On XXXX XXXX, XXXX I bought a piece of property from First Tennessess bank, XXXX. I have paid cash in full for both land and improvement on the property. I have picture showing the improvement on the property as unfinished house on the land. During the settlement, the bank and settlement company never give me disclosure regarding the improvement on the property was legal or illegal. The bank never gave me anything from local agency showing if there was any building permit. I have owned this property from XXXX XXXX until current. On XXXX XXXX, XXXX the local agency XXXX came to my property and torn down the improvement without my consent. The property value decreased significantly plus civil rights violation. I contacted the seller - bank immediately to ask them for refund as a consumer. The bank representative - a attorney sent me a email stating he can rescind or cancel the transaction. But until a month later, he sent me a message stating he reject to provide me refund. I feel I was provided deceptive, misleading information from the bank, and I never received any disclosure regadring illegal property sold by the bank. Now I am asking my principle, tax paid, settlement cost, damages, losses, pain and suffering to be back. 
I can not get assistance from OCC as this is consumer matter and complaint. And until now this complaint never resolved. I do NOT want to live in theft XXXX XXXX XXXX XXXX due to varies of personal damages and economic damages this county brought to me since I owned this property. On XXXX XXXX, XXXX I received copies of fraudulent liens {$12000.00} from XXXX XXXX XXXX XXXX property tax division ( see attachment ) as threat to take the rest of my property away. I have responded immediately indicating the consumer was cheated, defrauded and has NO any information regarding the improvement existed since XXXX or earlier. At that time, I even have not lived in State of Maryland. So legal or illegal improvement has NOTHING to do with me. At this time, I am asking the bank to responsible for each settlement I am asking because I do NOT want to live in extremely dangerous and harmful XXXX XXXX XXXX XXXX. This county is absolutely enemy with me for 5 years. 
On XXXX XXXX, XXXX after XXXX XXXX was torn down 5 months, I read the advertisement published by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It stated " XXXX XXXX XXXX XXXX has deemed all strutures at XXXX MD XXXX to be unsafe and creating immediate danger and immediate and continuing hazard to human life and public welfare, and has ordered that all structures on the property be demolished immediately. '' As consumer, I NEVER received any disclosure regarding this property was unsafe and creating immediate danger and continuing hazard to human life and public welfare from seller - First Tennessess Bank. If this property was unsafe and was in immediate danger, who allowed the bank to sell such kind of property to consumer? Why XXXX XXXX XXXX XXXX did not torn down this property when the bank owned this property? Why XXXX XXXX XXXX XXXX has waited more than XXXX years to demolish this property which brought immediate danger? Why the bank can sell such kind of dangerous property to consumer? I really can not convince myself. I insist that bank can provide me refund by taking this property back because I really do NOT want to live in XXXX XXXX XXXX XXXX who is my absolute enemy, who caused all kinds of damages and losses in the past XXXX years.

Company response to consumer: Closed with explanation