Mortgage -- Trouble during payment process -- Complaint #18410567

Complaint Overview

Complaint ID: 18410567

Company: Triad Financial Services, INC.

Product: Mortgage

Sub-Product: Manufactured home loan

Issue: Trouble during payment process

Sub-Issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

State: Indiana

ZIP Code: 46526

Date Received: 2026-01-01T12:00:00-05:00

Date Sent to Company: 2026-01-01T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XXXX. Consumer Fraud and Asset Misrepresentation Material Misrepresentation of Model Year : Sun Communities sold you a home represented as a XXXX model. Manufacturer records from XXXX XXXX and the HUD plate prove it was built and sold in XXXX. The Law : Under the Indiana Deceptive Consumer Sales Act ( IC XXXX ), it is a deceptive act to represent a product as a specific model if the supplier knows it is not. Inducement Based on Falsehoods : You were induced to move from XXXX XXXX based on the promise of a newer home than what was actually delivered. Failing to Deliver a " New '' Product : By misrepresenting the year, they also misrepresented the asset 's value and life expectancy. XXXX. Predatory Lending and Underwriting Fraud Violation of " Ability-to-Repay '' Rules : Triad Financial Services used unsold , non-liquidated cryptocurrency and stocks as " monthly income '' to approve your loan. The Law : Federal Regulation Z ( Truth in Lending Act ) requires lenders to make a good-faith determination of a borrower 's ability to repay based on verified, stable income. Using highly volatile, unsold assets to inflate income is a predatory practice. Manipulation of Debt-to-Income ( DTI ) : By including these assets as income, they manually lowered your DTI to manufacture a loan approval for an asset that was already misrepresented in value. XXXX. Illegal Servicing and " Self-Help '' Eviction Tactics Intentional Payment Blocks : Management manually blocked your online portal to prevent you from paying rent, which is a form of illegal " self-help '' eviction. The Law : In Indiana, a landlord may NOT deny a tenant access to fulfill their lease obligations without due process. Manufacturing a Default : Management issued a Notice to Quit on the same day they blocked your portal. This is an attempt to " manufacture '' a reason for eviction. Unauthorized Fees : Charging a {$10.00} " Check Surcharge '' and a {$34.00} " Month-to-Month Premium '' without the required XXXX written notice or authorization in your fixed-term lease. XXXX. Landlord Retaliation and Discrimination Retaliation Against Protected Activities : Since you filed with the Attorney General, management has issued frivolous violation notices, citing a permanent, piped-in AC unit as " outdoor storage ''. The Law : Indiana Code 32-31-8.5-2 prohibits a landlord from increasing rent or threatening eviction in response to a tenant filing a government complaint. Discrimination Against Disabled Individuals : As both you and your mother are handicapped individuals, these retaliatory acts and the refusal to fix pre-move-in defects ( like the dishwasher and siding ) may violate the Fair Housing Act ( FHA ). XXXX. Regulatory Failures ( The Title ) Defective Titling : Your Indiana Certificate of Title was issued XXXX months late and contains conflicting information, listing a lienholder at the wrong address, which " clouds '' your ownership and prevents you from obtaining new financing. Summary of the " Paper Trail '' This is a pattern of " Incurable Deceptive Acts. '' Because management has not attempted to " cure '' these issues despite your repeated requests, you have the right to seek triple damages and a total nullification of the loan under Indiana law

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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