Consumer complaint received 2019-03-27
Company: Law Offices of Les Zieve
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Zieve, XXXX XXXX XXXX, XXXX, ( ZBS ), sent to us on XX/XX/XXXX a Notice of default recorded in the county on XX/XX/XXXX, regarding a debt that was a Line of credit against our property in XXXX for XXXX. In the notice, ZBS, has his name next to other two companies.ZBS also identify his position given as he is either the original Trustee, The duly appointed substituted Trustee, or acting as agent for the Trustee or Beneficiary under a deed of Trust. ZBS also, stated that ZBS is assisting the Beneficiary to collect a debt, and that we can request a written a verification to the debt within 30 days, and ZBS will obtain and forward the verification to us. We did send a verification debt letter to ZBS on the XX/XX/XXXX. ZBS after reciving our request, they refused to verify all our question about the debt, claiming that they are not a debt collectors, and that they have no obligation to do so, and we have to look for that our self. ZBS also claiming the debt is secured by the first mortgage in the notice of default then by the second mortgage lien in first response letter. We asked for a verification to which lien is secured by, and then ZBS say they are sorry for mistakenly describing the debt in which one,  and that was upon our request. Also upon our request they identify their office as a substituted foreclosure trustee retained by the current servicer, but since that wasn't clears in the notice of default the position of ZBS. Also ZBS refused to give us the name of the current servicer and the address as was in the Verification Debt letter. This Notice of default contained two companies above Zieve , XXXX XXXX XXXX XXXX  name as follows, XX/XX/XXXX XX/XX/XXXX, A Delaware Statutory Trust and XXXX XXXX XXXX XXXX XXXX,. And it lists two phone numbers, one for the both companies ( XXXX XXXX, and XXXX XXXX ) and the other is for ZBS, and this number is ( XXXX ) XX/XX/XXXX-XX/XX/XXXX.When we called the number for ZBS, it stated that ZBS is a Debt collector ( so ZBS was lying saying that they are a substituted foreclosure trustee retained ) as they lie in describing of the debt they are alleging. It been one lie after the other between what stated in the notice of default and every respond letter to us. We also disputing there debt because it is Time barred by the Statute of Limitation in the State of  California on a written contract after 4 years from the default date of the XX/XX/XXXX. 
Also, we asked for all documentation about the current servicer, and ZBS refused to give that. But when we send a letter to the XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXX/XX/XXXX, XXXX, after we find them address on the internet our self, we didn't get a respond from XXXX XXXX, but we get a respond from XX/XX/XXXX, saying that the current creditor is XXXX XXXX XXXX XXXX Which means ZBS giving us a name of company that is not the current servicer, and not verifying any authorization of contract to show who is ZBS authorize to record this notice of default agains our property. Also ZBS didn't contact us before filling this notice of default and that also make the notice of default is invalid.

ZBS is a debt collection and have no right to file a notice of default against our property. Also, they are given us a deceptive information about them related or authority to that legal notice of default they record. Also, they are deceptive by giving a name to XXXX XXXX XXXX XXXX XXXX company that is not the current servicer, And when we ask who is the current servicer, ZBS refuse to give any information, saying they are not a Debt Collectors. And also we found out that the address of XX/XX/XXXX is a XXXX, but the address of XXXX XXXX XXXX XXXX XXXX is a street address, and both are in XXXX, TX. When XX/XX/XXXX responded, it has the street address for XXXX XXXX XXXX XXXX XXXX printed on them bottom page, and thats other deceptive, that the XXXX address for a company no longer is the servicer, and have the other company address on them head corporation company, it is two company in one? you can see on the letter dated XX/XX/XXXX by XXXX XXXX XXXX , XXXX . 
Also for the recored, that XXXX XXXX XXXX XXXX XXXX, did not respond to our letter at all but they signed on receiving it. 
Below are all the attached letters send and received as follows ; - The notice of default we received, Our letters to ZBS request for Validation to the Debt and seeking for documentation, The ZBS letter respond of refusing to obtain the information about verification the debt that ZBS origenally noted in the notice of default that if we request the verification about the debt, ZBS will obtain and forward it to us, other letters from ZBS of keep refusing to furnish the the verification about the debt and the current servicer and the address for the servicer. 
We called the number given ( XX/XX/XXXX )XX/XX/XXXX-XX/XX/XXXX that stated that ZBS is a Debt Collector, and we recorded that answer machine, and this is also Attached to hear that ZBS is a debt collector, but in their letters they are stating that they are not a Debt collectors, thats a lie and deceptive of what they say by their own voice machine and what they say by their own words in their own respond head named letters.

Company response to consumer: Closed with explanation