Consumer complaint received 2022-09-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LTD Financial Services, L.P.
State: CO

Complaint narrative:
I already filed one complaint in XXXX this year and they closed the file. Now they are they are trying to collect again. The prior CFPB complaint number XXXX The basic complaint is that the property manager did not provide a legally acceptable unit with livable conditions and did not rectify the situation in a timely and legal manner. The events are as follows. On XX/XX/2020, we emailed our contact at XXXX, XXXX XXXX, that we found bedbugs. XX/XX/2020 it was acknowledged. XX/XX/2020, six days after the initial complaint was sent, an exterminator came to our apartment to spray pesticides within the home. Two further visits, the last of which came on XX/XX/XXXX, one month after the initial complaint, did not satisfy the bed bug problema and it continued to persist causing extreme emotional and physical problems. According to Colorado Law 38-12-1002 ( 2 ) : " Not more than ninety-six hours after receiving notice of the presence of bed bugs or the possible presence of bed bugs, a landlord, after providing notice to the tenant as described in section 38-12-1004 ( 1 ) ( a ) : Shall Obtain an inspection of the dwelling unit by a qualified inspector. '' This is a clear violation of the law as more than 96 hours had elapsed. A full week had lapsed with my family living in a health and safety hazard. In addition, the bed bug problem was not sufficiently resolved, as multiple extermination sessions were placed causing extreme inconveniences for not only ourselves, but our pets as well. Furthermore, the exterminator advised us that the building ( not our unit specifically ) was dealing with a bed bug problem for quite some time. He did not reference a specific date, however, considering we just moved in a few weeks prior, we took this to mean longer than two weeks. After hearing this information, I sent another email to the leasing office dated XX/XX/2020 requesting eight months of history regarding bed bugs in our apartment. This information is legal requirement per HB 19-1328 in which : " A landlord shall not offer for rent a dwelling unit that the landlord knows or reasonably suspects contains bed bugs ... .Upon request from a tenant or a prospective tenant, a landlord shall disclose the last date, if any, on which a dwelling unit being rented or offered for rent was inspected for, and found to be free of, bed bugs. '' I received no response to this email until eighteen days later from XXXX XXXX that there are no prior records in our apartment, nor any other apartments. This contradicts what we heard from the exterminator. We conclude that the landlord did not comply with state law and get an inspection done within the required 96 hours while also providing substandard and ineffective resolutions. Therefore, in the interest of the health and safety of my family, and at great personal cost, I terminated our lease and moved out. Now the property manager and ltd financial services are trying to collect a debt that we find to be illegal.

Company response to consumer: Closed with explanation