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I put down a temporary plywood parking pad to keep my car off the ice during a Boise winter storm, and the HOA compliance chair called it an unapproved surface and threatened to tow me. She escalated fast with fake rules, missing paperwork, and a collections threat even though I had proof of compliance. I work as an insurance fraud investigator, so I know how to spot a pattern. When she tried to tow the wrong vehicle and then backfill evidence to cover it, I had already built a certified mail trail proving they received my compliance proof and fined me anyway. At the final showdown by the snow route sign area with a police officer on scene, I handed over a clean packet and asked for an incident number. The tow vendor canceled the HOA contract after seeing the evidence, refunded every charge from the crackdown, and Karen's complaint was ruled unfounded with evidence cited. The HOA board voted to require actual evidence before fines, and I walked away with a settlement that includes refunds and limits on enforcement. If you love chaotic HOA drama where the Karen gets hoisted by her own rules, hit that subscribe button for more wild neighborhood battles. #HOA #HOAStory #HOAstories #homeownersassociation #story #stories