Consumer complaint received 2025-10-20 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: Statebridge Company
State: OH

Complaint narrative:
I've had two companies, XXXX XXXX XXXXXXXX, and Statebridge Company , LLc, attempting to foreclose on my home in XXXX, Ohio since my bankruptcy was discharge in XXXX. XXXX filed a foreclosure suit in XXXX that was dismissed, in part, because they were not registered in the State of Ohio, after several opportunities to do so by the court, in XXXX. They recently filed suit again this summer, which was dismissed by them after my response to the summons in which I noted that they were still not registered in the State of Ohio. Approximately one month later, Statebridge filed suit to foreclose on the same ALLEGED loan. Both Statebridge and XXXX have been demanding payment for the same loan since XXXX. Prior to this, I had not heard anything regarding this loan. I responded to each of the above one time, in which I requested a copy of the 'Original loan ', a payment history, and an unbroken chain of legal ownership. I recieved nothing from either one of them. The most recent suit by Statebridge lists the last payment made in XXXX. They can not prove ownership because the loan does not exist. It's been so long since the loan was done that I don't remember the details, but I do know that my current home loan with XXXXXXXX XXXX shows my payments includes the second mortgage that was taken in approximately XXXX. I have also been trying to get documents from XXXXXXXX XXXX for three years to show the loan details including the second mortgage details, but they continually send me different information that I have requested. I was two months behind with XXXX and contacted them several times to get an appointment set up to get my payments updated. The last three days I tried calling them, they hung up on me nine times in three days, and took the ability for me to access my account away. I have tried to contact their attorneys three times, both my mail and by phone, and they have not responded, and have now filed foreclosure proceedings against me. I have the money to get my loan caught up, but I wanted to speak with them or their attorney before paying to make sure I wasn't paying for fees they may be charging while not responding to me, and also because just prior to losing access to my account I noticed that they were billing me the wrong amount. My payments was {$750.00} when XXXX bought the loan from XXXX and we did a mortgage modification which changed the payments to {$670.00}, but XXXX had been charging me the {$750.00} again. I am XXXX and on a fixed income and had some unfortunate medical issues that got me behind with them, but I was able to save enough to get things caught up but they would not speak with me. I also have a lot of equity in my home and was wanting to speak to them about accessing some to pay for my medical bills, but because this XXXX XXXX put a lien on my home, I cant get a loan on the equity of my home. If XXXX or Statebridge would have shown me that I actually owed them, I would have worked out payments, but nobody responded during the bankruptcy with a legitimate second mortgage claim. If I owed a second mortgage, I would have reaffirmed the debt, but the fact is, I never heard of this claim until a year after the bankruptcy was discharged. The only bank that I ever recall doing business with is XXXXXXXX XXXX XXXX which was original loan for {$100000.00} and the line of credit for {$24000.00} which comes out to the {$130000.00} that is on all of the loan documents. Also, the same person acted as buyer and seller of the alleged loan, I believe it was from veripro to ocwen. 
I need to get to the bottom of this, the first law suit alone cost almost {$15000.00} and they are keeping me from accessing the equity in my home.

Company response to consumer: Closed with explanation