Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: S.B.S. Trust Deed Network
State: CA

Complaint narrative:
I am complaining about this company S.B.S. Trust Deed Network, also known as S.B.S. Lien Services because this company has set a date which is XX/XX/2023, to have a foreclosure sale on my current property. 

S.B.S. Lien Service charging me more than {$6000.00} on my HOA fees which is {$52.00} a month. I have not received any bills from my HOA or S.B.S. Lien for whatever payment I missed. The only notice I received was on my front door, stating foreclosure sale date on my property. 

XXXX XXXX Superior Court attorney contacted me by mails twice regarding S.B.S. Lien Services company and another company regarding fraud activity on my current property two months ago. I have also filed a complaint against both companies. 

A few days later XXXX XXXX attorney contacted me, S.B.S. Lien Services put a notice on my front door stating that my property has been placed a date to be sell as a foreclosure property.

I did not know that any company can come and put a public notice on where I live, where everyone can see, with such a strong statement. S.B.S. Lien Services has humiliated my family ( my kids ) publicly. I have never received a letter in the mail from this company for a bill until I asked them last week. Why cant they send us a bill in the mail instead of announcing it on our door for the whole neighbor to see? 

I called XXXX XXXX Attorney office, and they offered me assistant and lawyers, and where to report this company. 

S.B.S. Lien Services is hire by XXXX XXXX XXXX to have a foreclosure sale on my property. XXXX XXXX XXXX is a HOA association where I currently resided.

I have not received any bills or late payments from my HOA regarding what I owned. I have requested both S.B.S. Lien Services and my HOA for a bill for what I owned, they have sent me a bill of more than {$6000.00}. My HOA monthly fees is {$52.00}. 

S.B.S. Lien Services responded me that because I owned two years of my HOA fees, and that was the reason why they put a foreclosure date on my house as of XX/XX/2023. My HOA fees is {$52.00} per months. Even if I didnt pay for two years, the total should be {$1200.00}. According to HOA regulations in California, HOA can not put foreclosure sale if it is not more than {$1800.00}. Also foreclosure sale can be made only on the amount of HOA fees, not including late fees, fines and so on. 

My HOA association also charges {$10.00} for later fees for the last twelve years that I have been living. According to California HOA regulations and laws, a HOA can not charge more than 5 % of monthly fees for late fee.

I contacted S.B.S. Lien Services about ago, and explained that we have been harassed, bullied, and mistreated by XXXX XXXX XXXX for the last twelve years, and S.B.S. Lien might want to ask what XXXX XXXX was charging me. 

S.B.S. Lien Services responded was unprofessional. They apparently didn't care what happened to my property or my family.

Since they put foreclosure sale on my property in the system, we have been harassed by telemarketers, agencies, and organization because everyone wants to buy my house and want to give me advices on how to go about it. We have lawyer offices knocking on the door, and contacting many times of the day because of S.B.S. Lien Services makes my propertys information ( foreclosure sale ) a public information.

My family and I have to live with this every day now. No one contacted me regarding what I have to own in the mail. Last week I contacted my HOA to send me a bill, and I have included in this complaint. Nothing is in detailed to explain to me on what I owned. I dont mind paying what I own if they have let me know that I did.

We have live with this daily on the property that we worked so hard to purchase for our kids. How is it that my kids might have to move and lose their childhood home over XXXX XXXX  monthly fees that they claimed they did not received? We have been paying more than ten years, and we have recorded payments. I hope someone help us with this situation because my children and my aging parents do not deserve to live with this daily.

Thank you for your time.

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