Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Thayer Properties Inc. DBA Residential First Capital
State: CA

Complaint narrative:
Subject : Complaint Regarding Improper Foreclosure-Related Solicitation, Unannounced Property Access Attempt, Escalation of Possession Demands, and Reliance on XXXX Foreclosure Activity I am submitting this complaint regarding serious concerns involving foreclosure-related solicitation activity, unannounced property access attempts, escalating possession demands, and representations connected to a disputed foreclosure involving my property. This complaint should be reviewed in conjunction with prior complaints already submitted regarding the underlying foreclosure process and related foreclosure participants. The conduct described here arose from and relied upon the disputed foreclosure activity already reported. On or around XX/XX/year>, a man arrived at the property without prior notice, appointment, authorization, or written consent. He spoke to my husband and stated that his client was interested in purchasing the property and wanted to see the home before placing a bid in what he described as a second bidding period scheduled for XX/XX/year>. At that time, my husband clearly informed him that : - the property was not voluntarily being sold, - the foreclosure process was actively disputed, - there were unresolved legal and procedural issues involving the lender and foreclosure process, - and that any party considering purchase should understand the property was involved in ongoing disputes and litigation-related matters. Despite this, communications continued. Shortly afterward, we received a letter dated XX/XX/year>, asserting that an alleged foreclosure sale occurred on XX/XX/year>. The letter discussed bidding activity, surplus funds, and efforts to increase bids connected to the property. The communication also referenced additional bidding periods and encouraged cooperation to facilitate higher bidding activity. Then, on XX/XX/year>, we received additional letters via XXXX asserting that the senders client was now the new owner of the property and requesting that we voluntarily vacate the property in exchange for cash for keys in order to avoid the eviction process. The XX/XX/year> letter specifically claimed that a XXXXXXXX XXXX evidencing the alleged purchaser as the officially new owner was attached. However, no Trustees Deed Upon Sale was actually attached to the correspondence. This omission is significant because the letters repeatedly asserted ownership rights, possession expectations, urgency to vacate the property, and implied authority over the property while simultaneously failing to provide the very document allegedly evidencing the transfer of title. These communications raise serious concerns for several reasons : XXXX. Unannounced Property Visit and XXXX Concerns A representative appeared at the property without prior written authorization or consent while the foreclosure itself remained disputed. This created significant distress and raised concerns regarding trespassing, privacy, and improper interference during an active foreclosure dispute. XXXX. Escalation of Possession Claims During an Ongoing Dispute The communications rapidly escalated from : - requesting access to view the property, - to discussing bidding strategies, - to asserting ownership, - to pressuring occupants to vacate under threat of eviction. This occurred despite continuing unresolved disputes involving the foreclosure process itself, including issues concerning foreclosure procedures, notice compliance, servicing conduct, accounting concerns, sale verification, and disputed foreclosure-related representations. XXXX. Failure to Provide Supporting Ownership Documentation The XX/XX/year> letter represented that a XXXX XXXX Upon Sale was attached and that the purchaser was officially the new owner of the property. However : - no XXXX XXXX Upon Sale was included, - no recorded transfer documentation was provided, - no official recording information was identified, - and no supporting evidence establishing completed transfer of title accompanied the demand for possession-related cooperation. Despite this lack of documentation, the letters still advanced ownership assertions and encouraged us to vacate the property voluntarily. XXXX. Significant Equity Loss and Financial Harm The property is believed to have an estimated market value in the approximate range of {$23.00} XXXX. However, the alleged foreclosure sale referenced in the communications involved bids reportedly in the approximate range of approximately {$510000.00} to {$570000.00}, representing only a fraction of the propertys estimated value. This raises serious concerns regarding the substantial loss of equity associated with the foreclosure process and intensifies the financial harm connected to the disputed foreclosure activity. From my perspective, nearly every party connected to this foreclosure process appears positioned to financially benefit from the foreclosure itself including parties connected to servicing, foreclosure administration, legal enforcement, investment acquisition, resale activity, and real estate commissions while I, the homeowner affected by the foreclosure, continue experiencing financial harm, emotional distress, uncertainty, and ongoing displacement pressure. XXXX. Pressure Tactics and Emotional Distress The XX/XX/year> communications referenced eviction, urgency, possession demands, and time is of the essence language while encouraging us to leave voluntarily. Receiving these communications while disputes remain unresolved created substantial emotional distress and pressure. The communications appeared designed to normalize and accelerate surrender of possession before critical foreclosure-related concerns had been properly addressed. XXXX. Concerns Regarding Reliance on Unverified or Disputed Foreclosure Status The letters repeatedly referenced alleged sale completion and ownership transfer, yet significant questions remain concerning the foreclosure process and related representations. The continued assertion of ownership rights, possession rights, and transition demands while disputes remain unresolved raises serious concerns regarding : - due diligence, - reliance on potentially disputed foreclosure representations, - and whether parties involved sufficiently verified the legitimacy and finality of the foreclosure process before attempting to obtain possession-related cooperation. Attachments : - Exhibit A Letter dated XX/XX/year> - Exhibit B Letters dated XX/XX/year> - Exhibit C Letters dated XX/XX/year> Additional References : CFPB Complaint No. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX FTC Report XXXX ; XXXX XXXX XXXX. XXXX DFPI complaints XXXX, XXXX, XXXX, XXXX

Company response to consumer: Untimely response