Consumer complaint received 2023-07-14
Company: BDF Partners, PC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX, Barrett, Daffin, Frappier, Turner & Engel , LLXXXX or BDF Law Group ( the Debt Collector ), is working in collaboration with their client, the Mortgagee ( XXXX ) and HUD/FHA 's Compliance Manager : XXXX XXXX XXXX XXXX  to wrongfully transfer the Title of the property, the XXXX  Account Number XXXX, FHA Case No. XXXX and Probate Case No : XXXX Served a Notice of Occupancy of Pending Acquisition to wrongfully transfer the Title of this property without providing FHA/HUD Loss Mitigation options to remedy the Foreclosure. XXXX has set an Accelerated Foreclosure date trying to deny the Owner/Heir, Confirmed Successor-In-Interest, and Court Appointed Administrator to sell the Property and pay off the balance owed to XXXX  while preserving any Inheritance balances to be paid to the rightful Heirs of the Property. 

The Debt Collector Served the notice with some of the : XXXX ) Important Language be in Spanish to English-speaking Americans, XXXX ) My Name is Spelled Incorrectly on the Notice to Occupant of Pending Acquisition sent by the Debt Collector, on behalf of their Servicer XXXX XXXX XXXX XXXX XXXX, and HUD/FHA Compliance Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The Debt Collector 's client, XXXX XXXX XXXX, over a six-month period, refused to grant me the Owner/Heir, Confirmed Successor-In-Interest, and Court-Appointed Administrator access to the Estate 's Online Account when I attempted to change, as they recommended, the password reset email was being sent to someone else 's email address. When I reported that to XXXX. They did nothing to correct and resolve the issue. XXXX has denied me access for the entire time I have been the Confirmed Successor-In-Interest and Court Appointed Administrator. 4 ) Their client XXXX XXXX XXXX, also changed the Representatives and Priority Compliance Specialists that are communicating with me, XXXX XXXX to XXXX XXXX to now XXXX XXXX, to influence fluid, consistent communications and allow excuses to be used for not granting access to the XXXX XXXX Account of the Estate XXXX ) the Debt Collector and It's Client XXXX XXXXXXXX XXXX sends Urgent Notices that requires a response from me the Court Appointed Administrator standard mail which could take up to 10 days or more to receive and Urgent Notices that they are Serving me USPS Certified Mail or XXXX XXXX Delivery with Tracking Numbers. 

In Response to the Notice of Occupancy of Pending Acquisition, Barrett, Daffin, Frappier, Turner & Engel , LLP or BDF Law Group, a Copy of the Petition for Leave to Sell the Property that was filed in the State of Georgia XXXX XXXX XXXX XXXX to Payoff the Balance that is owed to the XXXX XXXX and Remedy this matter was sent Priority Express Mail ( Tracking No. XXXX ), it was picked up by the Debt Collector 's XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX on XX/XX/XXXX at XXXX am. 

However, when I spoke with XXXX on XXXX XXXX  XX/XX/XXXX, at Barrett, Daffin, Frappier, XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX, Phone # XXXX, she said there was no record in their system that the Debt Collector informed their XXXX XXXX XXXX XXXX that they had received a Petition for Leave to Sell the Property that was filed in XXXX XXXX XXXX XXXX on XXXX. She said it is documented, however, that they sent a copy of the XXXX Wrongful Foreclosure complaint to the HUD/FHA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OK XXXX via Standard Mail with no Tracking number to verify receipt to the HUD/FHA Compliance Manager 's ( No name was provided ) only a Phone No. XXXX. 

Finally, under the current HUD/FHA leadership , Foreclosure rates in the United States increased since XXXX, up by 148 % in XXXX  / 167 % in XXXX. If HUD/FHA really tries to help Homeowners and Heirs preserve the ownership of their homes, why are these numbers going up instead of down? I can't answer this question, but I am going to continue to submit this data until someone takes the matter seriously enough to investigate it and expose what is going on. I will also tell you that I sent complaints to HUD/FHA about XXXX 's XXXX Bad Practices and Irregularities. It was reported to XXXX XXXX XXXX, Home Retention Specialist, and XXXX XXXX XXXX, XXXX of the HUD/FHA Attorneys . They did nothing to hold this XXXX XXXX XXXX. My Complaints were ignored, and I was asked by XXXX XXXX XXXX to take them off the Complaint emails that were being sent on XX/XX/XXXX, at XXXXXXXX XXXX 

I am Alleging that Foreclosure rates are increasing in the United States, Homeowners and Heirs are being robbed of their Investments and Inheritance because all of the regulators and legislators turn a XXXX eye to Bad Actors. Please ask them why they do not intercede and do something to help. Why don't they hold their Lenders/Servicers to some kind of Best Practice Standard when it comes to assisting Owners/Heirs, Confirmed Success-In-Interests , and Court Appointed Administrators to resolve defaults like mine and others? They should have helped to Mitigate, Remediate, and Solve this Mortgage Default Servicing Bad Practices and Irregularities before it got to this point. But they didn't! 

They just looked the other way. While Years of payments, Investing into a property only to have Generational Wealth be lost so that Bad Actors can benefit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation