Consumer complaint received 2025-12-17 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: Alliance CAS, LLC
State: GA

Complaint narrative:
b"Hello this message is for the consumer financial protection you are my name is XXXX XXXX  and I would like to point out some things that is happening within my HOA community recently they have attempted to put a XXXX against my property in the amount of XXXX I would like to let you know that I moved in this property XXXX XXXX XXXX  and the property management companies that have been hired to manage the HOA has not done anything to manage the property I have photos and videos of what has taken place around here in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to advise them that at one time I was on the board to try to help amend things and get the community back up and running but once I seen that none of the board members appear to be in agreeance I stepped away from this because I saw the problems that were at hand as a homeowner I noticed that over 51% of the properties have been managed by investment companies with this being said I would like to advise you that I can clearly State the funds have always been misappropriated from day one it's not fair for anyone in the community to pay dues for property that they know they have not fixed any of the roofs on for properties that clearly are inhibitable the owner who sold the property to me failed to disclose in the disclosures that there was litigation involving several board members upon my acceptance into the board which was XXXX XXXX as I began to investigate more I began to unravel more and more things that should have been brought to the attention a long time ago I was led to the assumption that these problems would be fixed we have major problems in this community and the photos and the documentation that I have will prove all of this I filed a court case against the previous owner in which unfortunately at the time I thought that the judge would have requested a court date of which they did they decided that they would go ahead and dismiss the case with prejudice because they felt I didn't have sufficient enough evidence I'd like for you to take a look at this yourself and tell me if this is correct or not it is unfair to all of the community people that live here that we have to deal with the fact that the parking lot has major potholes in it the areas where are common ground such as the landscaping the clubhouse the areas where they are responsible for taking care of has clearly become more than just inhibitable right now at this time based on what I've seen the investors that are purchased the property have obviously figured out some type of Ponzi scheme to avoid the dudes at this time I would like to expose what is taking place because again it needs to go without saying I have put in several work orders regarding the roof on my property which has never been fixed from day one if you look around you'll see that there's several tops on the roofs you'll see that several of the fences and gutters are coming down from years of non-management where they ride it out there's bags and bags of trash all throughout the community that breathes all types of roads rats snakes possums and recently this place was taken over by access management group and they are not aware of what is taking place obviously because they would not have attempted to place any type of lean on any type of property knowing that the reason is unjust in humane and these residents are tired I myself am tired of fighting I myself have been ripped at this time I also plan on taking action against the listing agent and who which sold the property as well as a part of this did not put several inheritance problems in the seller's disclosures in addition to that the problem is no response from the realtor no response from anyone regarding the matter not to mention the mental trauma that is caused me from the loss of XXXX XXXX XXXX my house flooded on XXXX XXXX XXXX that is when I decided to look into this matter more and I then decided due to the XXXX XXXX XXXX that have lost to attempt to file a lawsuit against the seller the seller's attorney managed to get the case dismissed without a quarter pants in front of a XXXX XXXX XXXX  dismissed with prejudice per my review I was able to determine the listing agent does have a fiduciary responsibility to disclose per Georgia real estate law in which I did have a conversation with the agent XXXX XXXX XXXX XXXX XXXX and I did explain the situation to the listing agent as well I let her found out that it was determine and my subjective findings she did admit that the HRA did not do anything and she also admitted to the fact that the HOA was involved in litigation for a board member that has ended up in litigation for a violation of the Fair housing act when I first moved in the property I wouldn't have known all of this information because everybody was attempting to conceal who the actual board members was upon my subjective findings and the only way I found out with the fact that they elected as a board member and I stepped away due to the fact that I knew the problem was bigger than what I can handle there's several years of people that have lived in this community that has told me first hand that this property management will be at the time which was XXXX XXXX XXXX has missed appropriated funds the former president in which was XXXX XXXX XXXX XXXX did a lot of things without saying they made a lot of changes with our board member approvals XXXX XXXX from what I heard and from when I understand based on the record of conversation that I had on the last board meeting sell a property without the homeowners can stand and also it was determined that from the claims of it or Virginia on the property but from what I found out the claim deed that was fine by XXXX should have never been signed by XXXX the homeowner had no knowledge of itself of their property in addition to that Judas was also a licensed realtor and listed this property and attempted to purchase a property in which she listed for sale in the Virginia community if that's not a conflict of interest I don't know what it is but most of all and worst of all is the fact that I now know the truth based on my subjective findings and it's been really unfair to me as the homeowner and property owner to lose money XXXX XXXX XXXX in in excess of the fact that the board has never properly managed money as they should these are things that I had to research based on my subjective findings and and what I found has been a total nightmare I was able to go back at the time from previous years and began to see that 5 years prior to this nightmare that I've lived in money as obviously been misappropriated for years and years and if this is to amaze me how they continue to feel that they can collect money and collect dues and you don't even want to fix the common things that are taking place around this property to keep it a manageable and inhabitable property not to mention we have several outside problems involving the plumbing which is galvanized and a potential hazard for the residents as well I feel that it is very unethical of the listing agent who sold XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to I'm on a XXXX who's making this statement had the opportunity to not disclose what should have been disclosed in the seller's is disclosures also put our conversation it was determined that she was the manager of the property of XXXX XXXX for a total of 7 years I then begin to review the previous tax records in XXXX XXXX all of the statements that was made to me based on my subjective findings deemed to now come together but I'm still baffled at the fact that all material facts including the litigation against the HOA should have been disclosed my buying agent I don't believe was quite aware of all of this information that should have been disclosed I also know that I did have an inspection during the due diligence. At the time I purchasing the property and there were several statements made by the inspector that also would prove the fact that the The inheritance problems that were not listed in the seller's disclosures by the listing agent should have been disclosed and documented any property that I've ever purchased on an as is basis always define the properties problems and as I do know being a mortgage professional and an insurance professional that representations and warranties and material facts should always be disclosed in any contract the attorney that represented the seller obviously did not allow me the opportunity to present the evidence in courts personally I did the initial e-file which I've never had to represent myself in a legal matter like this and where I'm upset about is the fact that this information should have been disclosed to me and my buying agent so that I could have made a better decision the fact that the water leaking from under the tub has obviously been rigged to get past the inspection it was also determined when I had a license professional come out that it's clear and evident this information was concealed but yet and stilXXXX XXXX XXXX  courthouse did not allow me the opportunity or day in court I don't know if that's fair or not I don't know what consumer or anyone that has any mind of ethics or any direct understanding of honesty and fair dealing but allow something like this to take place unfortunately in my case it has and I've been left in the dark in the cold with no assistance no justification and at this time I feel like that I have been totally misled it ripped off and taking advantage of there's no way that the listing agent in which was XXXX XXXX XXXX was not aware of this per our conversation I did ask a few questions about the property and based on what I determined again and my subject of finding even though the material facts she failed to disclose in the contract which that should have been stuck with the original answer of no regarding the material defects in the property however she did admit to the HOA issue that they were doing nothing to solve any problems around the community it's now evident by based other homeowners I've spoke to what has been taking place I also would like to point out that my vehicle was illegally told without my knowledge nor my consent even though that situation stem for my registration being inspired due to the fact that the dealer who sold the car to me unfortunately sold it to me without a title and that is a separate matter within itself however I did pursue legal action against the car dealership however at this time the greatest matter is in him that I have losXXXX XXXX XXXX XXXX  in the community for that reason my other vehicle that I have has ovXXXX XXXX XXXXorth of damage from the property parking lot where we have large potholes that has cost me the suspension in the front which based on what I found out has literally messed up the whole entire suspension I plan intend on taking action against the board for both vehicles the fact that they had my car impounded and then the fact that the property has large potholes that obviously will damage anyone's car the holes are so deep that there's no way to avoid damages to your vehicle several flat tires I've gotten not to mention the control arms and all of the stuff that go along with the components of the front end suspension are now damage why should I be responsible for damages caused by failure of the HOA to maintain the property my account was placed with a collection agency by access management group the collection agency that contacted me violated the fdcpa by failure to read the many XXXX  in which I have a recorded call on these documentations as well where they call to collect in addition to that it's been a lot of stuff going on that has been going on for many many years that was beyond my control it's really unfair to the other community members as well to be subjected to paying HOA dudes and special assessments for services they expect to receive that they're not even getting no one's getting the previous president in which is XXXX XXXX XXXX XXXX XXXX vice president again has went against all board members agreed when it comes to certain contracts that needed to be properly predicated once I determined that no one was willing to work with one another and that it was like being a dead horse I knew where things were headed I can see why several people are in a grand and dealing with what's taking place where does it end now's the Time to address the matter and expose this for what it is there's no way possible that anyone could expect someone to put all of their soul and heart into a property and find out that the HOA is not properly managing the resources that they should we recently had some issues that needed to be at hand it will be addressed that has not been that's received several code violations from the city of XXXX XXXX for several things that should have been taking place not to mention the illegal dumping not to mention the fact that there's no inspections ever being done for rodents big grounds of this property have gone downhill so bad it's insane I am literally tired of being bamboozled I am tired of being taken advantage of it's unfair to be responsible for dues when the management company the HOA is not doing a thing to fix any of the problems they complain that they do not have money and a from assessments but all I can see is the attorneys the management company and all of the people that are involved are not doing anything their pockets are being filled why this community is being torn down according to the covenant they're supposed to maintain the roofs the sidewalks the fences the clubhouse our clubhouse also houses are male the US postal office on several occasions refused to deliver the mail to the residence because of the fact that all of the straight animals and cats I've managed to get in this torn down clubhouse and use the restroom in there and several feces and fecal matter found in there and which is a health condition to anyone at this time I am asking the cpfb to help me in this matter recover all of the funds if I can and damages from all of the negligence that I could not see recovering from XXXX XXXX I am going to make an attempt to litigate against the selling agent for failure to disclose at the end of the day regardless the seller of the property is not responsible for filling out the sellers disclosures in which has to be done by a licensed agent I will be more than willing to provide all of my information to the cpfp to help me with the investigation in this matter something needs to be done to get this matter resolved no one no consumer should have to be responsible for living in a community that's not being maintained properly behind HOA that has failed the community in all areas on several occasions I have attempted to contact the listing agent after our conversation and there's no return phone calls at all no explanation I'm just left ripped off out of XXXX XXXX XXXX expected to pay for damages to a vehicle for common grounds that were not maintained a leaky roof rodents living in my attic and worst of all the fact of it is none of this information was disclosed and as you know concealment is unethical in our ways but yet still the attorneys want to try to fight the fact that I am telling the truth and spreading reality amongst the people I can only go by what I have seen with my own eyes and able to validate with the proof I have my question to everyone that is reading this what is your opinion do you think that it is fair for a homeowner who works hard and strives to make the community better to deal with such matters that should be managed correctly by an HOA that again has failed the entire community in reviewing after several meetings the fact of the matter that the consumers are dealing with highlight bills bXXXX XXXX XXXX XXXX excess the light bill just to keep the lights on in the parking lot has been in excess of over XXXX XXXX XXXX XXXX XXXX  the water bill are astronomical as well I reached out to several people for assistance on the things that I can't get assistance anywhere or help there's no ending inside and now they place the lien on my property because they feel as if I should continue to pay these dudes and nothing comes out of it why is it that they can take and put a lien on somebody's house but at the same time you cannot maintain the property you cannot live up to your end of the bargain you are doing nothing to invest in the best interest of this community there's all types of trash that is spread all out the areas and not to mention the fact that everyone who invest in this property is that a total loss then they're more than 51% of this population is owned by investors and what I'm going to say flum Lords have given me a determination of one thing and one thing only poor management unethical practice in a way to still home only property that they've worked hard for by dodging the matters at hand I cannot see any judge or anyone that has any sense of humanity to allow something l I respectfully ask the cpfb to once again assist me in all of these matters because I'm at a wits end and I have nowhere else to turn to but I'm providing y'all now with the truth facts not fiction tell me if it's ethical if you see it as ethical please provide me a justifiable reason as to why poor management Miss allegation of funds this man is it's ethical there is no one I could see agreeing with that at all at this time I plan on speaking out more about the matter this was a valuable lesson learned from me when it comes to purchasing property involving in HOA not everyone is ethical and it also points out the fact that it goes without saying regardless to the matter even the selling agent I feel is responsible for this because of the matter you failed to disclose information on that contract which should have been disclosed that's the whole purpose of the sellers disclosure also the fact that the owner was a company and that's really bad because of the fact that even in this case the seller's attorney and the court XXXX XXXX set up provided me the opportunity to see the judge in person and talk about the matter and provide the facts material facts I have the proof the attorney has been looking for if there's any way that any I can be helped please provide me with additional resources at this time if there's any attorneys reading this public reading please feel free to reach out or reply to me also I want to thank you for taking the time out to be this complaint I will be responding to any correspondence that's needed because now I'm finding myself feeling really used deceived and mislead by the seller's agent and the HOA I've lived with the fact that there's no ending inside I also would like to point out the fact that I had to dispute My consumer portion of XXXX XXXX when the insurance company I was with at the time hippo decided to cancel all policies in the XXXX XXXX and surrounding areas because of excessive claims and one thing I do like to point out that I know I couldn't get direct information to from XXXX about the previous owner claims history on that property based on what I've been told by an inside source which revealed there was a previous claim on my particular property for water damage so now I know one thing for sure based on those findings the material facts was never disclosed on the sellers disclosures on page nine of my inspection report he said that my kitchen ceiling had been freshly painted the inspector noted it could have been a possibility that they painted that area to conceal possible damage I don't know what else to do but someone please help me find an answer I'd like to thank you guys for taking the time out to read this complaint my name is XXXX XXXX  property owner. XXXX XXXX XXXX XXXX  thank you once again for waiting this complaint"

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