Product: Debt collection

I am submitting on behalf of XXXX XXXX After a medical diagnosis of XXXX, she moved to a care facility in XXXX XXXX upon which we had her Power of Attorney ( POA ) signed and notarized for me to start acting as her Agent. She is currently in a XXXX XXXX facility in XXXX, CA. 

Timeline of events : XX/XX/XXXX : An unidentified person came to my front door in XXXX, CA looking for my mother. Reluctantly the papers were handed over to my wife who answered the door. Paperwork indicated an " Authorization to Foreclose '' on one of XXXX XXXX XXXX  rental properties in XXXX, CA for unpaid HOA assessment dues. 

XX/XX/XXXX : As I was unaware of any HOA on any of XXXX XXXX XXXXs properties ( and given the cognitive impairment of my mother to share that information with me ), I called the company managing the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) to confirm the debt collector company XXXX Allied Trustee Services ) and the debt owed. XXXX also confirmed the address they had on file was the rental property address, not a valid mailing address for my mother. I then called Allied- they requested my signed POA before discussing my mother 's file with me. I sent the XXXX via e-mail after the call. 

XX/XX/XXXX : After XXXX verified the XXXX, I called back and requested an itemized list of the debt owed. I received the itemized statement via e-mail later in the day. 

XX/XX/XXXX : I called XXXX after reading the XXXX XXXX XXXX XXXX 's ( in particular Section 12, which states " Before the XXXX XXXX place a lien ..., the Association must notify the Owner in writing by certified mail ... '' ). XXXX informed me that the 3rd-party debt collector deals with notification rather than them. I then called XXXX and was informed that XXXX sent a total of 5 certified mailings between XX/XX/XXXX and XX/XX/XXXX. I requested proof of certified mail but was informed that it was not done via XXXX certified mail ( which requires a signature from the addressee ). When I questioned the validity of the " certified mail '', XXXX informed me that they were only required to verify that items were mailed, not that they were received. XXXX also confirmed they sent these 5 mailings to the rental property address and that it was not their responsibility to verify a valid mailing address was being used- this appears to conflict with the required " certified mail '' per the XXXX XXXX & XXXX 's. 

XX/XX/XXXX : I received an e-mail from XXXX with the 5 certified mailings - however, there is no recognizable tracking number, etc. through XXXX, XXXX, XXXX, etc. to validate the purported " certified mail ''. As indicated by XXXX on the phone on XXXX, there is no verification/confirmation of mail receipt by the intended recipient - this appears to conflict with 12 CFR 1006.42 ( specifically " in a manner that is reasonably expected to provide actual notice '' ). 

XXXX XXXX XXXX address per public records ( e.g. XXXX XXXX XXXX XXXX 's office for the rental property in question ) is my address in XXXX, CA. Given the multiple mailings were repeated to the same incorrect address, notification was never adequately provided, all the while fees for the debt collector were accumulating.