| Issue |
Loan modification,collection,foreclosure
|
| Timely |
Yes
|
| Company |
Kirkland Financial LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional fixed mortgage
|
| Date Received |
2017-03-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-03-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
To Whom It May Concern : I am contacting you due to a predatory lending matter that we are the victim of for some time now regarding our church mortgage.
Due to the highest and best use of the property, located at XXXX XXXX, XXXX, Alabama, the current lender, " Kirkland XXXX, '' is exercising a strong-arm tactic, more commonly referred to as predatory lending, to foreclose our property. The mortgage was originally with the lender, XXXX, and was unbeknownst to us up until the time of transfer, sold to another establishment, Kirkland XXXX.
I have compiled a timeline of events that I think may give more reflection to my complaint. In XX/XX/XXXX, I wrote the President of XXXX, XXXX XXXX XXXX, concerning some concerns I had regarding our mortgage and payments ( see enclosed ).
After writing the President of the Bank, XXXX XXXX XXXX, VP of XXXX, came down to visit us and took over our account. I have enclosed our payment history for your review.
Initially, I believe the locals had a plan to try and take our property due to the current growth of our city. Our property is fixed between XXXX major companies that have moved to this area, XXXX and XXXX. We have more than XXXX square feet on XXXX acres of land. In association with these new companies are other companies that will supply them. That 's why I believe they started trying to take our property.
Our church is located in a nontraditional facility ( used to be a shopping center ). We have been here as an active part of the community since XX/XX/XXXX, and since that time, XXXX, and more. We are truly a XXXX.
Enclosed are the documents/letters I signed, up until the time of the sale in XX/XX/XXXX with XXXX, along with correspondence ( including letters and email communications ) from XXXX Investors.
This has been a long and arduous process. It has been very stressful, due to the purchase of our loan, for one, by another lender ( XXXX to Kirkland XXXX ). This was due to XXXX selling our loan to Kirkland XXXX. They did not communicate with us at any time until they said our payments were in arrears.
We are looking for immediate guidance and assistance in combatting this predatory behavior. Thank you for your assistance and support in bringing a positive and amicable resolution to this matter. Please feel free to contact me with any questions or comments you may have.
XXXX XXXX XXXX XXXX, XXXX.
XXXX cc : XXXX XXXX XXXX, Kirkland XXXX XXXX XXXX XXXX, Attorney General, State of Alabama U.S. Senator XXXX XXXX, XXXX, XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
