Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Larsen & Associates, P.L.
State: FL

Complaint narrative:
I am writing to formally seek your immediate assistance in addressing the misconduct and financial exploitation by XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, and their legal counsel, XXXX and XXXX XXXX. As a XXXX XXXXXXXX XXXX XXXXacing extreme financial hardship, I am deeply concerned that the Associations unjustified fees, threats of foreclosure, and coercive tactics are jeopardizing my home and financial stability. 

XXXX XXXX : XXXX and XXXX : The Association has threatened to place a lien on my home and initiate foreclosure over disputed fees, despite my repeated efforts to resolve these issues in good faith. This constitutes harassment and coercion under both state and federal law.

Lack of Justified Fees : XXXX XXXX continues to increase fees annually without providing any amenities or services to justify these charges. No amenities are available within a reasonable distance from my home, rendering the fees unjustifiable. 

Violation of State and Federal Laws : XXXX  XXXX XXXX ( XXXX ) : Failure to disclose financial records and justification for fee increases. 
Florida XXXX XXXX ( XXXX ) ( a ) : Improper collection of assessments without clear disclosure and justification. 
Florida Consumer Collection Practices Act ( XXXX ) : Threatening foreclosure over disputed fees constitutes harassment and unfair debt collection practices. 
Servicemembers Civil Relief Act ( 50 U.S.C. 39014043 ) : Penalizing me for alleged violations during military XXXX is prohibited under the SCRA.

Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 16921692p ) : The Associations third-party agents threats of foreclosure and misleading communications constitute unfair and deceptive debt collection practices.

Unfair and Deceptive Trade Practices Act ( 15 U.S.C. 45 ) : Misleading homeowners about the nature and justification for increased fees violates federal consumer protection laws. 
Conflict of Interest : XXXX XXXX, XXXX XXXX, and XXXX and XXXX XXXX appear to be operating under a coordinated scheme to extract financial gain from homeowners through excessive fees and legal intimidation. The lack of transparency in financial disclosures and the coordinated escalation of penalties and foreclosure threats strongly suggest an unlawful conflict of interest. 

Requested Resolution : I am respectfully requesting your immediate support to : Prevent the XXXX from placing a lien on my home over disputed fees. 
Investigate the XXXX 's financial practices and the relationship between XXXX XXXX and XXXX and XXXX XXXX for potential conflicts of interest and misconduct. 
Hold the XXXX accountable for violating state and federal consumer protection laws. 
Remove my HOA membership due to the Associations failure to fulfill its contractual obligations and provide basic amenities. 
Conclusion : The Associations actions have caused significant emotional and financial distress. As a veteran who served and protected this country for 20 years, I am now asking for your support in protecting my home from unjust and unlawful practices. Homeowners should not be subjected to harassment, coercion, and unjust financial exploitation under the guise of community governance. I urge you to take immediate action to address these violations and protect homeowners from further abuse. 

Thank you for your attention to this urgent matter. I am available to provide additional documentation and testimony as needed.

Company response to consumer: Closed with explanation