Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: G&P Enterprises, LLC
State: CA

Complaint narrative:
I am submitting this supplemental complaint against XXXX XXXX XXXX due to continued concerns regarding their billing practices, lack of fee transparency, and disregard for the Collection Policy adopted by the XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) on XX/XX/XXXX. 

Despite my proactive efforts to resolve my delinquent HOA account, the payment plan provided by XXXX continues to include vague and non-itemized monthly charges, offering no clear breakdown of how each {$280.00} payment will be allocated ( i.e., toward assessments, administrative fees, or monitoring costs ). This directly contradicts Section XXXX of the HOAs Collection Policy, which requires that payments be applied to assessments first, not to collection costs.

In addition, XXXX most recent agreementsubmitted as part of their response to the CFPBshows an increase in collection-related fees compared to the XX/XX/XXXX, itemized statement provided by the HOAs own legal counsel. There was no notice or explanation of these increased charges, and no updated fee schedule has been provided to justify them. This raises serious concerns about transparency and billing integrity. Section XXXX o
f the HOAs Collection Policy requires 30 days written notice to homeowners for any change in fees. I have never received any such notice from XXXX or the HOA. Instead, I was forced to rely on the fee schedule previously shared by HOA legal counsel, which XXXX later claimed was outdatedyet they still have not supplied the current version. 

Furthermore, the agreement includes embedded charges for future monitoring fees ( $ XXXX for XXXX months ) and a {$120.00} agreement drafting fee, both of which are billed in advance and incorporated into the total delinquency amount, increasing the financial burden on the homeowner without explanation or itemization. 

Despite numerous requests, XXXX has failed to properly validate the debt, clarify how fees are calculated, or provide a transparent explanation of what homeowners are being asked to pay. Their agreement continues to include lien threat language, stating that the XXXX may record a lien if any installment is missedeven after I entered into dispute resolution in good faith and agreed to repayment under significant pressure. Section XXXX of the Collection Policy requires a lien to be authorized in an open board meeting and recorded formally, not presented as a default trigger within a vague, fee-heavy contract. 

Given that XXXX has continued to raise fees without notice, failed to properly validate the debt, applied fees inconsistently, and front-loaded administrative costs in a way that contradicts HOA policy, I believe these practices reflect predatory, non-transparent, and anti-consumer behavior. 

I respectfully request the CFPB investigate these practices, especially XXXX use of vague billing structures, pre-billing of future charges, and failure to provide consumers with current documentation that justifies the amounts they are required to pay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation