Consumer complaint received 2019-08-19
Company: Fidelity National Financial, Inc
State: CA
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:
I believe I am a victim of a FORECLOSURE SCAM. I am filing a complaint with Consumer Financial Protection Bureau as many people in XX/XX/XXXX were hit by the housing crash, and hopefully, they will not have to deal with what I am going through. It is scary to be in foreclosure (again) and not even know how I got there. Here is a narrative of events:Postage meter stamp XX/XX/XXXX:Early XX/XX/XXXX I received a notice of default and election to sell under deed of trust from Fidelity National Title Company. I do not know who this company is - except they are not my lender. The loan number on the document they sent is not my loan number XXXX-XXXX/XXXX. The loan company listed on the document XXXX is not my lender.  They are demanding $XXXX full amount.I am in excellent standing with my current mortgage company XXXX   XX/XX/XXXX - current when the loan got modified. According to the XXXX XXXX county recorders office, this company has ALREADY filed foreclosure on my property recorded XX/XX/XXXX. I have not received any notifications of being in default or in foreclosure status. I have not received any breach letters or correction letters advising me how to resolve foreclosure before foreclosure was filed with the County of XXXX XXXX. I did not sign any paperwork with Fidelity National Title Co which is not my title company or lender. They have access to taking away my residence. I did a loan modification back in XX/XX/XXXX with XXXX who held the first and second loans. We accepted the loan mod and have been in good standing with XXXX for over 8 years. Since there was no correspondence, no payment vouchers, loan docs or loan terms regarding the 2nd with XXXX, we understood the loan modification took care of the 2nd and it was forgiven as part of the process to keep people in their homes. There has been nothing on my credit report for being in default or any information that I am in default with my lender. It is unfair and devastating that this unknown 3rd party can file a foreclosure with the county without my knowledge or authorization. I didn't know I was in default of anything since it is not listed in my credit report! My credit score is in the 750+ range which is good.  I believe this attempt to collect a debt is well over the statute of limitations. Suddenly, a week ago, a $XXXX+ debt appeared after 8+years doesn't make any financial sense to us since we modified the loan. It appears this company is utilizing public record information to extort money from the equity built up in my residence. Fidelity National Title Company is like a predator - waiting for an opportune time to blindside me and take my home and the equity built up in my home for their gain.Fidelity National Title company has not provided verified documentation to me before filing foreclosure. It is unfair that they have not been transparent in the foreclosure process. It is unjust that I can lose my primary residence and everything me and my family have been working for to get back on our feet after the real estate crash. I worked with XXXX my original lender for a loan modification - they were aware that I had 2 loans with them as my lender.  I am sure Fidelity has violated several regulations regarding the foreclosure process. I contacted the Dept of Business Oversight - Fidelity Title is not registered or licensed with DBO. Is this a legitimate company to be collecting $XXXX+ real estate funds from me?It is apparent this could be a foreclosure scam. Everything about the paperwork Fidelity sent to me, the timing, the graphics is suspicious. And that they actually filed foreclosure on me without proper notification violates me as a consumer. The CA Homeowner Bill of Rights ensures fair lending and borrowing practices for California homeowners - Fidelity National Title Company has fraudulently filed foreclosure on me and my family. I have also filed complaints with the Federal Trade Commission, Department of Insurance Consumer Services, and the XXXX XXXX County District Attorneys office so that others will not be scammed and unfairly foreclosed upon.

Company response to consumer: Closed with explanation