Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lennar Financial Services, LLC
State: FL

Complaint narrative:
Formal Complaints : SCRA, XXXX, CFPB, and Credit Bureaus Date : XX/XX/XXXX Submitted by : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX / XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX SCRA Complaint to Department of Justice Subject : SCRA Complaint Illegal HOA Lien and Foreclosure Action While on XXXX XXXX Dear DOJ Servicemembers & Veterans Rights Section, I am an XXXX XXXX XXXXXXXX XXXX and the sole legal owner of my property at XXXX XXXX XXXX XXXX, XXXX, FL. Despite being on XXXX XXXX, my Homeowners Association ( XXXX XXXX XXXX XXXXXXXX ) filed a lien against my home and initiated foreclosure proceedings in violation of the Servicemembers Civil Relief Act ( SCRA ). 

Their attorney 's internal records ( dated XX/XX/XXXX ) acknowledge my active-duty status, yet they moved forward with a title search on XX/XX/XXXX without obtaining a court order as required under SCRA.

I respectfully request your office investigate this violation and provide guidance. Supporting documentation is attached. 

XXXX. XXXX Complaint Florida HOA Administrative Negligence I am filing a formal complaint against XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, located in XXXX, FL. 

For over a year, the HOA had my account listed under the wrong name ( XXXX XXXX XXXX XXXX ), blocking my access and ability to make payments despite my repeated attempts to correct the issue. Now that the error is fixed, they are billing me late fees, lien costs, and attorneys fees that accumulated due to their own administrative negligence.

Furthermore, I am an active-duty servicemember, and they moved forward with lien and foreclosure action even after acknowledging my military status in writing.

I am requesting the XXXX investigate the associations failure to maintain accurate records and their abusive billing practices.

3. CFPB Complaint Debt Collection Misconduct A law firm representing my HOA ( XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX. ) is attempting to collect charges that resulted from the HOAs year-long account mismanagement.

I was listed under the wrong name, which prevented me from making payments. Despite knowing I was the legal owner and actively trying to resolve it, they filed a lien and now demand I pay attorney 's fees, late fees, and lien costs.

This violates the FDCPA, and the firm continued collection efforts while I was on XXXX XXXX, ignoring SCRA protections.

4. Credit Bureau Dispute Request to Suppress/Remove Lien I am disputing a lien reported from XXXX XXXX XXXX XXXX and its legal representative, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

This lien was filed while I was on active military duty and resulted from HOA administrative errors listing my property under the wrong owner for over a year. I was prevented from accessing my account and making payments during that time.

Under the Fair Credit Reporting Act and Servicemembers Civil Relief Act, I request this lien entry be suppressed or removed due to its improper and unlawful origin.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation