Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Axela Technologies, Inc
State: GA

Complaint narrative:
I am filing this complaint against Schwartz Vays, a third-party debt collection firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX XXXX acting as a debt collector on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia. NATURE OF THE COMPLAINT : Schwartz Vays has recorded an invalid XXXX against my property at XXXX XXXX XXXX, XXXX XXXX, VA XXXX ( Instrument No. XXXX, recorded XX/XX/XXXX ) in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Virginia law. VIOLATION 1 - FAILURE TO PROVIDE VALIDATION NOTICE ( 15 U.S.C. 1692g and 169XXXX ) : On XX/XX/XXXX, Schwartz Vays sent a XXXX letter to the property address rather than my designated mailing address ( XXXX XXXX XXXX, XXXX, GA XXXX ), which was on record with the XXXX. Schwartz Vays had actual knowledge of my correct address, as evidenced by their own use of my XXXX XXXX for post-lien correspondence on XX/XX/XXXX. This deprived me of my statutory right to dispute the debt. VIOLATION 2 - RECORDING LIEN AFTER RETURNED PRE-LIEN NOTICE ( Va. Code 55.1-1966 ) : On XX/XX/XXXX, Schwartz Vays sent a Notice of Intent to Record a Claim of Lien to the same incorrect property address. This notice was returned to their office undelivered. Despite actual knowledge of non-delivery, Schwartz Vays made no attempt to resend the notice to my correct address and proceeded to record the lien on XX/XX/XXXX. The first time any notice was sent to my correct address was XX/XX/XXXX, after the lien had already been recorded. VIOLATION 3 - UNAUTHORIZED AGENT EXECUTED THE LIEN ( Va. Code 55.1-1966 ( C ) and Bylaws Section 8.2 ) : The lien was executed by a person identified only as " XXXX XXXX - XXXX XXXX, '' who is not the principal officer of the Association. Under Va. Code 55.1-1966 ( C ), a lien memorandum must be verified by the oath of the principal officer of the unit owners ' association XXXX XXXX XXXX other XXXX as the condominium instruments specify. Under the XXXX 's XXXX XXXX XXXX, only the Board of Directors may authorize an agent to execute instruments on behalf of the Association, and such authority must flow from an express board resolution. No board resolution or written authorization identifying XXXX XXXX has been produced despite demand. His execution of the lien memorandum therefore violates both Virginia lien law and the Association 's own governing documents. VIOLATION 4 - UNAUTHORIZED AND DISPUTED CHARGES ( 15 U.S.C. 1692f ( 1 ) and 1692e ) : The balance claimed has grown to over {$15000.00}, including collection fees, legal fees, lien-related charges, estoppel fees, and interest. I have no contractual relationship with Schwartz Vays. Documentation establishing legal authorization for each category of charge has been demanded but not produced. ACTUAL DAMAGES : The invalid XXXX has created a cloud on title that caused : multiple delays in a time-sensitive financial transaction, rate-lock expiration costing over {$1000.00}, held/tied-up funds of {$22000.00} or more, legal consultation fees, and significant emotional distress over an extended period. I sent a formal Final Demand letter to Schwartz Vays on XX/XX/XXXX via certified mail demanding release of the lien within 20 days. I am attaching that letter as supporting documentation.

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