Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
The bank paid a Bill they never should have paid to 3 Board Members of a small Condo Complex for Fees that were not due. The bank recatagorized a fake invoice, being sued as part of an overall harassment -discriminayion by XXXX XXXX XXXX  , similar to a Rentor complaint of " Constructive Eviction '' or a true Hate Crime on a DAP Senior, Dem. Liberal, in an XXXX XXXX XXXX XXXX -- as its evolved over past 12 years of my 32 year history as an owner. HOA fees were not due. Never owed City of XXXX XXXX Taxes, back taxes. I am being targeted and harassed, denied services by the XXXX XXXX XXXX, aka HOA, where I've lived since XXXX, but particularly aggressively during the past 10 years. They've usurped my XXXX XXXX XXXX, I've had to pay double fees above what a 10 members household pays, and over my % share of other unit owners are paying. Ive been forced to pay out of pocket for XXXX services other Owners are provided as part of common area maintenence fees and/or from XXXX XXXX It's a horrible situation, my home has been severly compromised by Common Area negligence- ruined by water infiltration, insects, lack of landscaping. The XXXX has double billed me for 12 yrs. In XXXX, I got behind by a clerical error, byt was never contacted by a Trustee until they sent a XXXX 's XXXX Certified XX/XX/XXXX. I owed 5 mo.fees + multiple LATE FEES, Lawyer fees and " Other '' inexplicable fees. I paid what I owed plus 2 months fees in advance. I caught up.On XXXX XXXX, XXXX the HOA Sued me for twice the amount of the origional debt letter. I absolutely was fighting them. No lawyer necessary against the Frivolous, fraudulent, Legalized Extortion lawsuit for which I was never even properly " Served ''. Having never been sued before, I was new at the rules and stayed in weekly communication with The Judge 's Court Clerk as well as our HOAs Opposing Council. I waited for a Court date but I postponed Answering the Complaint because XXXX Bank was inefficient providing Bill Pay Servicong Proof of Payment the XXXX needed to dismiss this case. I asked for mo. XXXX proof btwn. XXXX only XXXX merchant, the XXXX, I'd began requesting in XXXX XXXX continued thru XX/XX/XXXX. By XX/XX/XXXX I'd still been provided only a 4 months if the 8 years I needed. Opposing Council wanted an answer and I needed XXXX 's cooperation! It was pulling teeth. Frustratrd, in XXXX o called numerous times, eventual visiting the local branch ( numerous occasions ) to speed thing up. I needed results. That's where things fell apart, which I had to figure out myself. An employee confused XXXX with XXXX Taxes? when she asked for XXXX XXXX info. That a mistake like that could be made at a customer 's expense is inexcusable. That XXXX refuses to admit and rectify is fraudulent. Had XXXX been efficient, providing the proof of Bill Payment XXXX, the XXXX would have been tossed out ; I could have counter sued. However, on XXXX/XXXX, XXXX shut-down MA, XXXX was closed, including Courts. On XX/XX/XXXX, with no warning, no conversation and obviously with zero Due Diligence, XXXX paid the Falsified HOA charges of & XXXX. I had a case - so fradulent were the expenses and O was ready to Counter Sue for XXXX, intention to Deceit, Hate Crime, gross negligence and also prove the Board and Third Party Manager were in Willful Default of 13 of the Orig.Terms of all 3 Condo Documents. 99 % of the false chsrges have *never* been proven nor substantiated by the Board nor 3rd Party Manager, " We dont know, we " inherrited '' the bal. Due. '' Also tjeu ate unable to unable to licate important documents and warrantys such as those for the XXXX, $ XXXX Project which generated my HELOC Loan with XXXX XXXX  in XXXX. I kept XXXX XXXX and later on, XXXX XXXX, aprised of all issues I had with the HOA. In XXXX I asked for their help, a judgement error on my part, a mistake I'll regret forever. Never trust a big bank. Never again. That small request It caused the Bank to pay an attempt at extortion- which succeeded bc The Bank paid those theives. My bank, which I'd trusted, put*me* a customer who'd never been late once making HELOC Payments on the loan ; I regularly paid above the Statement amt due. ) then just dumped me into* Default Collections*. No warning, no conversation regardless that Id contacted the Bank for help. Thwir response-ignored me, paid XXXX strangers an exorbitant amount ofcash without verifying the expenses or reasons " due ''. Worse, XXXX took it upon themselves to recatagorize Fake XXXX fees and misname them " Property Taxes '' owed to XXXX XXXX XXXX ''. What? What??? Next, XXXX asked me to provide to them, Default Collections, with more information than the Court/ Lawsuit was requiring. On my behalf, after scoffing at The Bank 's ignorance regarding how City property taxes are handled- NOT BY HOA's- The City sent 8 years of Proof of Paid Property Taxes which I also sent to Santander to the Fax numbers provided. I wrote Case File and Bank Acct. On every page. XXXX XXXX to accept this documentation. City of XXXX XXXX. XXXX also requored that I send 8 years of Bill Payment proof made by XXXX from my checking account to the XXXX Collections dept. I AM SPINE XXXX, XXXX FUNCTIONING ARM. I AM POIR, OLD, HAD CORONOVIRUS. This is XXXX XXXX has treated a ggod customer who has never mussed a payment, always friendly, a Safety Deposit Box investor, i had 5 Accounts with the Bank when I had my business. This us how they have treated a XXXX senior. They have denied proof of payment from their own Bill Pay Servicing Department Proof I faxed to them from XXXX ) of HOA dues paid. The bank has ignored all that work, at my expense, my time committed when I was ill and alone. The Bank continues to add fees and interest, then a {$95.00} Property Search? To an invoice which should never have been paid, had the bank performed any dur Diligence. Nearly killing me with stress during COVID19, I'M Alone!!!, they are aware that Om aline, the HOA takes advantage of me bc of it. But the Bank? Paying a bill to complete strangers??? To put me into default collections!. I never missed XXXX HELOC payment to the Bank between XXXX. I sent them 80 pages of documents and they continue to fraudulently bill me for " Back Tax Fees ''. To whom? They have cut off my loan, destroyed my XXXX XXXX XXXX and a 30 year XXXX Credit History. This is Santanders mistake and they refuse to take Responsibility fo incompetent payments to strangers who have been HARASSING A XXXX XXXX. The HOA wants my unit for Religious reasons. I am being targeted and refused Insurance Payouts, common area maintenence, my vehicle and jome have been vandalized, my fog fed tainted food. My home has been destroyed by gross exterior negligence. And XXXX took away my 1 chance to be heard. By XXXX XXXX XXXX, XXXX XXXX. THE LAWSUIT was a fraud and had Santander not taken 6 months to provide Bill Payments to the HOA for 12 consistent years, I would have won. And ciuld have Counter Sued.

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