Consumer complaint received 2026-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Aldridge Pite, LLP
State: CA

Complaint narrative:
Subject : Conflicted Representation, Compromised Trustee Neutrality, and Misleading Foreclosure Representations Complaint Summary I am submitting this complaint regarding the conduct of Aldridge Pite LLP in connection with a foreclosure involving Clear Recon Corp and XXXX XXXX XXXX, XXXX.. Aldridge Pite LLP has acted as the primary source of all substantive communications regarding the foreclosure, while representing interests aligned with both the trustee and the loan servicer. This dual role raises serious concerns regarding : - The independence and neutrality of the trustee - The accuracy and reliability of representations made regarding the foreclosure - The integrity of the foreclosure process as a whole This complaint should be reviewed in conjunction with my prior CFPB complaint, No. XXXX and XXXX as part of an ongoing pattern of related issues. Key Issues 1. Conflicted Representation Undermining Trustee Neutrality Aldridge Pite LLP represents Clear Recon Corp, the foreclosure trustee, while also representing interests aligned with XXXX XXXX XXXX, XXXX, the loan servicer. A foreclosure trustee is required to act as a neutral party in the foreclosure process. Where the trustees legal counsel simultaneously represents or advocates for parties with a direct financial interest in the outcome of the foreclosure, the trustees neutrality is called into question. This structure creates a situation in which : - The trustees compliance is not independently verified - The foreclosure process is defended rather than objectively evaluated - The appearance and substance of neutrality are undermined 2. Representations Made Without Independent Trustee Verification All substantive responses regarding the foreclosure have been provided through Aldridge Pite LLP. Clear Recon Corp has not provided any direct, independent response confirming its own verification of compliance with foreclosure requirements. This raises concerns that : - Representations regarding compliance are being made through counsel - There is no indication that the trustee independently verified those representations A foreclosure can not be considered reliable where the trustee has not independently confirmed compliance. 3. Contradictory and Qualifie d Representations In its response, Aldridge Pite LLP asserts that the foreclosure process complied with applicable law, while simultaneously stating that its response : should not be construed as a statement regarding the actions of any other entities. This creates an internal inconsistency. Assertions of 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. Defense of Conduct That Raises Compliance Concerns The foreclosure process at issue includes : - Posting of the Notice of Trustees Sale at a community gate rather than at the property - No attempt to request access or enter the gated community to post at the property - Lack of documentation establishing that a valid foreclosure sale occurred Despite these issues, Aldridge Pite LLP has asserted that the foreclosure complied with applicable law. This raises concerns that : - Potential deficiencies are being defended rather than objectively assessed - Representations may not be based on independently verified compliance Regulatory Concerns The conduct described above may constitute : - Misrepresentation of foreclosure compliance - Failure to ensure accuracy of statements made to a consumer - Potential unfair or deceptive acts or practices ( UDAAP ) - Conduct that undermines the neutrality required in the foreclosure process Requested Resolution I request that Aldridge Pite LLP provide : 1. A clear statement of the scope of its representation, including whether it represents : - Clear Recon Corp XXXX XXXX XXXX XXXX, XXXX. - Or both in connection with this foreclosure 2. An explanation of how trustee neutrality is preserved where the same firm represents or advocates for parties with a direct financial interest in the foreclosure outcome 3. Confirmation of whether the trustee independently verified compliance, or whether representations were made based on information provided by other parties 4. Clarification of the basis for asserting statutory compliance, including how the actions taken ( including posting at the community gate ) were determined to satisfy applicable requirements 5. If independence and compliance can not be clearly established : - Written acknowledgment of the limitations of the representations made, and - Appropriate corrective clarification of those representations Closing Statement Aldridge Pite LLP has acted as the primary source of representations regarding a foreclosure process that raises material questions of compliance, while simultaneously maintaining a role that calls into question the neutrality of the trustee it represents. A foreclosure process can not be considered reliable where the entity responsible for ensuring compliance is represented by counsel that also advocates for the outcome of that process. This matter warrants careful regulatory review. Additional References CFPB Complaints : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX FTC Report : XXXX XXXX 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