Consumer complaint received 2026-01-01 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRIAD FINANCIAL SERVICES, INC.
State: IN

Complaint narrative:
XXXX. Consumer Fraud and Asset Misrepresentation Material Misrepresentation of Model Year : Sun Communities sold you a home represented as a XXXX model. Manufacturer records from XXXX XXXX and the HUD plate prove it was built and sold in XXXX. 

The Law : Under the Indiana Deceptive Consumer Sales Act ( IC XXXX ), it is a deceptive act to represent a product as a specific model if the supplier knows it is not. 

Inducement Based on Falsehoods : You were induced to move from XXXX XXXX based on the promise of a newer home than what was actually delivered. 

Failing to Deliver a " New '' Product : By misrepresenting the year, they also misrepresented the asset 's value and life expectancy. 

XXXX. Predatory Lending and Underwriting Fraud Violation of " Ability-to-Repay '' Rules : Triad Financial Services used unsold , non-liquidated cryptocurrency and stocks as " monthly income '' to approve your loan. 

The Law : Federal Regulation Z ( Truth in Lending Act ) requires lenders to make a good-faith determination of a borrower 's ability to repay based on verified, stable income. Using highly volatile, unsold assets to inflate income is a predatory practice. 

Manipulation of Debt-to-Income ( DTI ) : By including these assets as income, they manually lowered your DTI to manufacture a loan approval for an asset that was already misrepresented in value. 

XXXX. Illegal Servicing and " Self-Help '' Eviction Tactics Intentional Payment Blocks : Management manually blocked your online portal to prevent you from paying rent, which is a form of illegal " self-help '' eviction. 

The Law : In Indiana, a landlord may NOT deny a tenant access to fulfill their lease obligations without due process. 

Manufacturing a Default : Management issued a Notice to Quit on the same day they blocked your portal. This is an attempt to " manufacture '' a reason for eviction. 

Unauthorized Fees : Charging a {$10.00} " Check Surcharge '' and a {$34.00} " Month-to-Month Premium '' without the required XXXX written notice or authorization in your fixed-term lease. 

XXXX. Landlord Retaliation and Discrimination Retaliation Against Protected Activities : Since you filed with the Attorney General, management has issued frivolous violation notices, citing a permanent, piped-in AC unit as " outdoor storage ''. 

The Law : Indiana Code 32-31-8.5-2 prohibits a landlord from increasing rent or threatening eviction in response to a tenant filing a government complaint. 

Discrimination Against Disabled Individuals : As both you and your mother are handicapped individuals, these retaliatory acts and the refusal to fix pre-move-in defects ( like the dishwasher and siding ) may violate the Fair Housing Act ( FHA ). 

XXXX. Regulatory Failures ( The Title ) Defective Titling : Your Indiana Certificate of Title was issued XXXX months late and contains conflicting information, listing a lienholder at the wrong address, which " clouds '' your ownership and prevents you from obtaining new financing. 

Summary of the " Paper Trail '' This is a pattern of " Incurable Deceptive Acts. '' Because management has not attempted to " cure '' these issues despite your repeated requests, you have the right to seek triple damages and a total nullification of the loan under Indiana law

Company response to consumer: Closed with explanation