Kovitz Shifrin Nesbit, A Professional Corporation CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/11/2022	No	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	IN 46131	Web
I moved into what I have always referred to as " my forever home '' in XXXX of XXXX. You see, my dad was killed in an automobile accident in XXXX and I used my portion of the settlement money my family received along with funds from the first time homebuyer program that was offered at that time to put money down on the house and purchase all of the appliances needed and some furnishings as well. I was very excited and proud of myself for making the best financial decision I could have by securing my home here where I grew up and went to college and where my family still lives today. I have to tell you all about that story in hopes that you will understand how much I have invested in this forever home of mine and how much it still means to me nearly 20 years later. So, I say all of that to say this ... My complaint is with the property management company that is responsible for the administrative dealings of my Home Owners ' Association and by extension the attorneys they employ to be responsible for collecting unpaid or delinquent HOA fees for the association. In the paperwork I now have is an accounting of my member statement and it shows that I was relatively good about paying my dues on time or if not then I made payments on my account throughout the years. I also need to mention that I was declared XXXX due to XXXX XXXX in XXXX at which time I began receiving Social Security XXXX XXXX XXXX. I made payments fairly well until about XXXX. I went through a very rough, very emotional time in my life that year. I see where I only made two payments that year. It was never my intention to not pay my dues ; I always wanted to. I believe that I was taken to court starting in XXXX. Unfortunately, I was still struggling and my only income was my XXXX benefits at the time. My fiance had left me by then and I had fallen on hard times. I do see where I paid the assessment fees for XXXX right away and made a couple of additional payments, too. However, I was still being charged late fees. In XXXX, I made pretty regular payments again. It shows that in XXXX I made a couple of payments during the beginning of the Covid-19 pandemic. I remember, however, that I had been continually taken back to court over and over again when the circumstances were still the same. I would always agree to make payments voluntarily when I could. I think that my XXXX benefits are protected and can't be garnished. A different attorney would be there each time and I would explain and agree again. I don't think it was right for them to keep dragging me to court -- I had been diagnosed with XXXX XXXX by this time as well. I clearly remember the hearing in XXXX of XXXX though because at that time I agreed to settle all of my debt to the association for {$800.00}. I thought that that was somewhat fair and I felt relieved and proud once again that I was able to settle up and start anew with XXXX 's assessment fees. And you can see on the accounting that I did pay all of them up front that year. Little did I know that they were bringing another case up against me. When I made that payment in XXXX of XXXX, that was supposed to have been the end of the court fiascos. I was so distraught when I realized what was happening with my account. Then earlier this year something happened and Indiana brought about another mortgage assistance program and this time around there would also be funding available specifically for past due HOA fees as well. I was once again relieved by this news. When I was applying for the assistance, I had to fill out how much I owed in past due fees. At that time, I contacted XXXX XXXX for the exact amount due and I told her about the assistance that I was applying for at that time. Last week I was served with a summons containing a complaint to foreclose on an assessment lien against my property that I wasn't ever even aware of. It was apparently placed last XXXX. Now the XXXX XXXX XXXX that I was assigned to by the program told me that they had had problems locating anyone to receive the check that was cut on my behalf. I was told that it was sent out on XX/XX/XXXX with an accompanying email message as well to announce its coming arrival. Even so, I am now here today holding imminent threats of foreclosures and XXXX 's sales of " my forever home. '' Furthermore, I suspect that I am also being dXXXX against because of my XXXX and past issues all seemingly relating now to cause no. XXXX in XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX
05/11/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92602	Web
Dear Sir/Madam, My name is XXXX XXXX XXXX -XXXX of XXXX XXXX XXXX XXXX . We live in CA and on XX/XX/XXXX we received a collection letter from KSN Law firm ( dated XX/XX/XXXX ) which was hired by XXXX XXXX XXXX ( XXXX ) claiming we have not paid HOA on our rental unit ( XXXX XXXX CT, XXXX XXXX ) from the beginning of XXXX. We proved XXXX XXXX XXXX wrong in every possible way. Our HOA is on autopay bill pay set up thru our bank which clearly states the Association name, account number, property address etc. .We provided our XXXX XXXX XXXX proof that not only XXXX were regularly receiving our monthly HOA checks, but they were regularly endorsing and depositing it too! When provided with this undeniable proof, they blamed us for putting the wrong account number ( this number was provided by XXXX in the mailed letter to us XX/XX/XXXX ), otherwise it makes no sense how we will come up with this number. They then claimed that XXXX had no idea that we were based in CA. We provided proof negating this lie too, not only XXXX has a copy of our rental leases, insurance information etc. in the name of XXXX XXXX XXXX XXXX, which is based in CA, they also have our contact info, our emails on it. In fact they have been regularly emailing us about general association reminders etc., mailing us general association letters at our CA residence since XXXX. Many emails we delete as we go, but we still have few saved as proof. ( Please see proofs attached at the bottom ) Mr. XXXX XXXX XXXX from The KSN Law firm not only comes across as rude and aggressive, but he is not ready to acknowledge the facts and proofs when provided. Mr. XXXX XXXX had no answer to my logical questions that if XXXX are now claiming that my bank sent HOA checks with the wrong account number, then how come they quietly deposited this unaccounted money as free money in their other account. Also isn't it their basic duty to cross check all the facts on the HOA cheque 's before depositing? Why didn't they send us reminders at our CA residence where XXXX XXXX XXXX XXXX is based? Why didn't they email us? Also most ironic, KSN Law Firm sent us a collection letter legal notice in the name of XXXX XXXX XXXX XXXX at our CA address, both of these facts which XXXX claims it had no knowledge about!! But Mr XXXX is not ready to accept any legal facts and is only trying to put the blame on me this way or that and is just concerned about their legal fees which they have demanded I MUST PAY within the next 7 days! It's so unfair and unethical to me, I feel I'm being punished for paying my taxes, HOA on time like a responsible citizen and paying for XXXX XXXX XXXX ( XXXX ) gross negligence /mistakes/fraud? I perceive this as implied imminent threat, if i don't pay their unfair legal fees of {$630.00}, they will report it to credit bureau. Seems like extortion and unholy nexus at this point to me. This will negatively affect my new budding business in a very negative way for 7 years specially in this Pandemic when all small businesses are struggling to survive. Sincerely request you to investigate this please urgently before it gets reported to my credit score. Sincerely and Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX please see attached - KSN collection letter mailed at our CA address in the name of XXXX XXXX XXXX XXXX Bank proof of XXXX checks endorsed and deposited by XXXX XXXX XXXX Proof of email which clearly states that we informed them about our mailing address ( this apart from the initial paperwork we filled out in XXXX welcome packet, wherein we provided copies of our rental leases, home insurance info etc. ) KSN LAW CONTACT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Collection XXXX XXXX XXXX XXXX, IL XXXX T : XXXX F : XXXX XXXX : XXXX XXXX
09/04/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60068	Web	Older American
XXXX XXXX via property manager XXXX XXXX a licensed real estate broker and XXXX XXXX the assistant to XXXX XXXX sent me an email on XXXX that I owed a debt for legal reimbursement that I do not owe and have never owed. It is a false statement and an illegal attempt to collect. The management company is considered to be a debt collector under Illinois state law. I am attaching the Illinois Condo Act Section 9.2 that a debt for attorneys fees are only due in the event of a violation or default. There was no violation and there was no default. The fee XXXX XXXX is trying to collect is certified mail fees, which are not collectable and are not the form of notice in any event under the Condo Declaration and Bylaws of XXXX XXXX XXXX XXXX. a non=profit organization est XXXX. XXXX XXXX has previously done this XX/XX/XXXX and also committed identity/data theft of financial documents and bank passowrds of my job. I work at a bank FDIC. Not only has XXXX XXXX sent me an email for Legal Reimbursement on XXXX that is the same day that the fee ( illigal ) was placed on my assessment account ( not legal ). I am attaching the attorney letters for the violation that was originally sent to me and my attorney 's response. The original violation was fake and illegal and the Board of Directions ( who are harassing me and I have lots of documentation not speculation on that ) decided to cancel/forego the violation hearing once they received my attorney 's response requesting proof, photos, witness statements etc per Boucher V 111 E Chestnut ( 2019 ) IL Appelate Court ruling requiring due process, witnesses, and much more. Theyt don't follow the law. They want the building to be " NICE ' their words in writing, everyone knows what it means when a property manager and Assocication Board says " We want the building to be " NICE '' ''.
07/10/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IN 46229	Web
I received a notice that a lien was filed on my condo by an attorney for {$1000.00} from the hoa. I sent the dispute letter and all my receipts for payments and asked them for a validation, they kept sending me the same letter and she emailed me and said THEY DONT OWE ME AN EXPLANATION OF CHARGES. IF I WANT TO KNOW THEN I NEED TO HIRE AN ACCOUNTANT TO EXPLAIN OT TO ME. SHE SAID THAT SINCE I FILED BANKRUPTCY AND I DIDNT HAVE TO PAY {$10000.00} TO THE ASSOCIATION THAT THEY FILED A LIEN WITH ADVISE FROM COUNSEL. I had made payments between the time the lien was filed and the time I received the letter that paid my account in full. And they refused to tell me what I was charged for and why. She blocked me from her email and told the board and the management company not to speak to me. They should have released the lien and if they would have shown me that I was charged for something I could have hoard it and been done with it. They eventually had to give a detail of the attorney charged for the judge and they charged me for reading the 2 dispute letters and wrong amounts for retuned check and they credited my account the {$720.00} that they already had but said they didnt and I had repaid it so I was really 4 payments ahead but they filed bankruptcy on my condo and that was a lien that shoud have been released.
08/12/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60073	Postal mail

04/01/2021	No	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	IN 46229	Phone