Consumer complaint received 2018-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was told by Third Federal Savings & Loan during several conversations with Loan Department Manager XXXX XXXX That XXXX XXXX XXXX XXXX was trustee after checking this information out I was told on my first initial contact that indeed they was trustee and XXXX XXXX was Servicer. How could this be when Third Federal Savings & Loan claimed they was servicer and have been collecting my payments for the past 20 years on a perfect payment history from myself. After further investigation and meeting with XXXX XXXX he told me that Third Federal Savings & Loan was collecting payment on behalf of the government which is fraud since my Mortgage was paid off by government based on bailout or tarp program. 

Secondly, after further digging into this matter by contacting XXXX XXXX XXXX XXXX I was my information was no loner in database and they was not trustee after pulling my tittle is where I discovered that I was the assignee which clearly makes me the owner of my property. Third Federal Savings & Loan sold my Mortgage to XXXX XXXX XXXX XXXX THEN PROCEEDED TO COLLECT PAYMENTS FOR TH PAST TWENTY YEARS WHICH IS CLEARLY FRAUD I file Lien against them for their actions. their are reporting my mortgage as late to all three bureaus as I refused to give them one more dime see below email from XXXX XXXX XXXX XXXX response first email was XX/XX/XXXX, and recent email XX/XX/XXXX below is email I received from you last month PROPERTY LOCATED XXXX XXXX XXXX, OH XXXX so are you no longer trustee please reply Thank you for your recent correspondence. 

As per our records, you will need to contact the servicer for the address ( es ) listed in your email. The servicer info is as follows : Servicer : XXXX XXXX Phone # : Loan Servicing : XXXX Loss Mitigation : XXXX Short Sale : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX acting as a Trustee, and therefore we do not own the loan or the property. As trustee, XXXX XXXX is not involved in the servicing of the loans or the foreclosure process.. This is the responsibility of the Servicer. The servicer is the direct and only contact who would have the information you are seeking. 

Thank you for contacting XXXX XXXX. 

On Fri, XX/XX/XXXX at XXXX XXXX, XXXX wrote : Thank you for your recent correspondence. 

After researching our database, we do not show any records of the address ( es ) listed in your email. If you have documents showing we are the Trustee, please send it to this mailbox so it can be researched further. All applicable documents should be sent via email. However, please note that XXXX XXXX is solely the trustee and any property preservation, release, assignment, etc. would be handled by the applicable servicer. If you know the applicable servicer, please contact them directly. If not, please send any documentation you have showing XXXX XXXX as trustee so that we can direct your email to the appropriate party. 

Thank you for contacting XXXX XXXX. 

PLEASE STOP THE FRAUD BEING COMMITTED AGAINST MYSELF FROM THIRD FEDERAL SAVINGS & LOAN AS I DEMAND MY DEED TO MY PROPERTY Thank you muck XXXX XXXX.

Company response to consumer: Closed with explanation