Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Aldridge Pite, LLP
State: CA

Complaint narrative:
Subject : Defective Foreclosure, False Posting, and Failure to Provide Proof of Sale Complaint Summary I dispute the validity of the foreclosure conducted by XXXX XXXX XXXX. All substantive responses regarding this matter have been provided through counsel, XXXX XXXX XXXX, which represents XXXX XXXX XXXX. The foreclosure process is defective, unsupported by required documentation, and based on unreliable and contradictory representations. A foreclosure sale has been asserted, yet no evidence has been produced to establish that any valid sale occurred. This complaint should be reviewed in conjunction with my prior CFPB complaint, No. XXXX, as part of an ongoing pattern of foreclosure-related issues. Key Violations 1. Defective Posting of Notice of Trustees Sale The response provided through Aldridge Pite LLP relies on a posting declaration stating that the Notice of Trustees Sale was posted at the property. This is directly contradicted by independent records, as shown in Exhibit A, which includes documentation from the XXXX XXXX XXXX XXXX XXXX confirming : - No access request was made - No entry was logged - No posting occurred at the property Instead, the notice was placed at the community gate approximately one mile from the property, not at the property itself. This does not constitute compliant posting. Failure to properly post the notice calls into question the validity of the foreclosure process. 2. No Proof of Foreclosure Sale The response provided through Aldridge Pite LLP states that a foreclosure sale occurred on XX/XX/year>. However, the following has not been provided : - Trustees Deed Upon Sale - Identity of the purchaser - Sale price - Any recorded documentation confirming the sale A foreclosure sale can not be established without these documents. Despite multiple requests, no documentation has been produced to establish that any valid sale occurred. 3. Contradictory and Evasive Representations The response provided through Aldridge Pite LLP asserts that the foreclosure process complied with applicable law, while simultaneously stating that the response : should not be construed as a statement regarding the actions of any other entities. This is internally inconsistent. Assertions of statutory compliance necessarily depend on the actions of all parties involved in the foreclosure process. A party can not assert compliance while disclaiming responsibility for the underlying actions required to establish that compliance. 4. Improper Reliance on Third-Party Vendor The posting declaration relied upon appears to have been performed by a third-party vendor. However : - The trustee has a non-delegable duty to ensure compliance with foreclosure laws - Any inaccurate or false posting remains the responsibility of the trustee The discrepancy reflected in Exhibit A raises serious concerns regarding the accuracy and integrity of the foreclosure process. 5. Lack of Independent Trustee Verification XXXX XXXX XXXX has not provided any direct response or independent verification of the foreclosure process. All communications have been made through its counsel. This raises concerns as to whether the trustee independently verified compliance with statutory requirements, or is relying entirely on unverified third-party representations. A foreclosure can not be considered reliable where the trustee has not independently confirmed the validity of the process. Regulatory Concerns The conduct described above may constitute : - Misrepresentation of foreclosure compliance - Failure to maintain and provide accurate records - Failure to provide material documentation to the consumer - Potential unfair or deceptive acts or practices ( UDAAP ) Requested Resolution I request that XXXX XXXX XXXX XXXXXXXX. and XXXX XXXX XXXX provide : 1. Definitive proof of whether a foreclosure sale actually occurred 2. A complete Trustees Deed Upon Sale ( if any exists ) 3. Identification of the purchaser and the full sale price 4. All documentation supporting the alleged posting of the Notice of Trustees Sale 5. A written explanation addressing the contradiction reflected in Exhibit A If these documents can not be produced, the foreclosure should be treated as invalid due to failure of statutory compliance. Closing Statement The foreclosure has been asserted through counsel without production of the documents necessary to establish that such a sale occurred, and while relying on a posting that is directly contradicted by independent records. A foreclosure can not be considered valid where required notice is not properly executed and the alleged sale is not substantiated by recorded documentation. This matter requires immediate investigation and corrective action. Attachments * Exhibit A XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and Contradiction Report * Exhibit B Aldridge Pite LLP Response ( 22 pages ) Additional References CFPB Complaints : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX FTC Report : XXXX OCC Case No. : XXXX DFPI Complaints : XXXX, XXXX, XXXX

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