Consumer complaint received 2018-07-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO Bank, N.A. (NC)

XX/XX/XXXX Dear Consumer Finance Protection Bureau : I need help with a lien on my home which should not be on there. 

In XX/XX/XXXX, I had financed a 2nd mortgage from XXXX XXXX  XXXX for {$10000.00}. Then, XX/XX/XXXX XXXX XXXX  release my lien before transferring my loan to XXXXXXXX XXXX XXXX. Then, XXXX XXXX XXXX XXXX transferred my loan to XXXX XXXX XXXX. But did not release the lein before switching to XXXXXXXX XXXX XXXX. Which I had paid off in XXXX. In XXXX, I moved to XXXX  for personnel reasons. Before I moved I made sure to satify all my loan obligations. I lived in XXXX  for eight years. I was still making my mortgage payment. I had my brother staying in my home while I was gone. I was working XXXX XXXX XXXX XXXX contracting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Then, President Obama changed the tax laws, really hurt our company with high taxes for small business. We had to go out of business. 

I had to moved back home to XXXX, XXXX. I had no luck finding a job in XXXX. I almost lost my home. I researched my options. I heard about XXXX County Action Plan. They seen I had a lein on my home by XXXXXXXX XXXX XXXX. 

XXXX County Action Plan, also known as XXXX XXXX Housing Finance Agency, XXXX County Legal Aid and I investigated my sitaution. We found out that XXXX XXXX XXXX was taken over by BM Harris Bank. XXXX XXXX XXXX does not exist anymore. 
I contacted BM Harris Bank and spoke with XXXX XXXX the person in charge of that department. Mr. XXXX look into the matter for us. He did not see any outstanding balance or anything against my named. XXXX spoke with Mr. XXXX and was satify with his investigation. XXXX put me in the program. XXXX  Housing Finance Agency helped me by paying my mortgage payments for 18 months. This program was XXXX Blessed. XXXX  would not have helped me, if they thought this was not cleared. I thought this matter with the lein was taken care of and the lein was lifted. 

In XX/XX/XXXX, I look in to refinance my home to get a lower interest rate with XXXX XXXX XXXX XXXX. Everything was good until the issue of this lein came up again. XXXX XXXX XXXX XXXX put their legal team on this matter. But the same thing is happening again. XXXX XXXX XXXX closed on the lein, XXXX XXXX closed to the lein. But XXXX XXXX XXXX did not sign off on the lein. Which XXXX XXXX took over the mortgage from XXXX XXXX XXXX. So, XXXX XXXX XXXX should have signed off on the lein before XXXX XXXX took over. 
I tried to contact XXXX XXXX again, but he was promoted to a different position and location. No one at BM Harris has no idea how to solve this issue. So, I was referred to consumerfinance.gov by XXXX. They think you all can help me to clear this lein. You are my only hope to lift the lein and last option. 
Please help me with this, I gratefully appreciate anything your organization can do to clear this lein off my property. 

I also included the letter from the XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. Which details the investigation the firm did. 

Sincerely, Hopeful