Mortgage -- Struggling to pay mortgage -- Complaint #4836169
Complaint Overview
Complaint ID: 4836169
Company: Caneel Capital, LLC
Product: Mortgage
Sub-Product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
State: California
ZIP Code: 91911
Date Received: 2021-10-23T12:00:00-05:00
Date Sent to Company: 2021-10-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am having a very difficult time with Trinity Financial. It appears I am a victim of mortgage fraud and a predatory lender that has placed a foreclosure sale date on my property and forcing us to do a short sale. In XXXX I had a 1st and 2nd with XXXX XXXX. In XXXX I refinanced with XXXX XXXX and received and 1st and a 2nd. Obviously when you refinance the lenders payoff the previous loans. And from the paper work I signed, that is what happened. I received a 80/20 refinance and no lender would ever subordinate to a line of credit for {$49000.00}. My refinance would have been declined if that lien was not paid or on title. Due to fraud my 2nd lien from XXXX stayed on my title. Apparently not recorded correctly or by illegal fraud. This lien was sold in XXXX to XXXX XXXX and then to XXXX XXXX XXXX who has placed a foreclosure sale date on my property through Trinity. I looked at doing a loan modification but was denied by Trinity Financial. Because of all this horrific fraud I now have to do a short sale to avoid a foreclosure. I am requesting that Trinity Financial place my fraud foreclosure on hold so I can complete the short sale process and avoid a foreclose.
Frequently Asked Questions
What is Complaint #4836169 about?
Complaint #4836169 was filed against Caneel Capital, LLC regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2021-10-23T12:00:00-05:00.
How did Caneel Capital, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Caneel Capital, LLC?
Yes, visit the Caneel Capital, LLC company profile at readthecomplaint.com/company/caneel-capital-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.