Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: G&P Enterprises, LLC
State: CA

Complaint narrative:
I am submitting on behalf of XXXX XXXX After a medical diagnosis of XXXX, she moved to a care facility in XXXX XXXX upon which we had her Power of Attorney ( POA ) signed and notarized for me to start acting as her Agent. She is currently in a XXXX XXXX facility in XXXX, CA. 

Timeline of events : XX/XX/XXXX : An unidentified person came to my front door in XXXX, CA looking for my mother. Reluctantly the papers were handed over to my wife who answered the door. Paperwork indicated an " Authorization to Foreclose '' on one of XXXX XXXX XXXX  rental properties in XXXX, CA for unpaid HOA assessment dues. 

XX/XX/XXXX : As I was unaware of any HOA on any of XXXX XXXX XXXXs properties ( and given the cognitive impairment of my mother to share that information with me ), I called the company managing the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) to confirm the debt collector company XXXX Allied Trustee Services ) and the debt owed. XXXX also confirmed the address they had on file was the rental property address, not a valid mailing address for my mother. I then called Allied- they requested my signed POA before discussing my mother 's file with me. I sent the XXXX via e-mail after the call. 

XX/XX/XXXX : After XXXX verified the XXXX, I called back and requested an itemized list of the debt owed. I received the itemized statement via e-mail later in the day. 

XX/XX/XXXX : I called XXXX after reading the XXXX XXXX XXXX XXXX 's ( in particular Section 12, which states " Before the XXXX XXXX place a lien ..., the Association must notify the Owner in writing by certified mail ... '' ). XXXX informed me that the 3rd-party debt collector deals with notification rather than them. I then called XXXX and was informed that XXXX sent a total of 5 certified mailings between XX/XX/XXXX and XX/XX/XXXX. I requested proof of certified mail but was informed that it was not done via XXXX certified mail ( which requires a signature from the addressee ). When I questioned the validity of the " certified mail '', XXXX informed me that they were only required to verify that items were mailed, not that they were received. XXXX also confirmed they sent these 5 mailings to the rental property address and that it was not their responsibility to verify a valid mailing address was being used- this appears to conflict with the required " certified mail '' per the XXXX XXXX & XXXX 's. 

XX/XX/XXXX : I received an e-mail from XXXX with the 5 certified mailings - however, there is no recognizable tracking number, etc. through XXXX, XXXX, XXXX, etc. to validate the purported " certified mail ''. As indicated by XXXX on the phone on XXXX, there is no verification/confirmation of mail receipt by the intended recipient - this appears to conflict with 12 CFR 1006.42 ( specifically " in a manner that is reasonably expected to provide actual notice '' ). 

XXXX XXXX XXXX address per public records ( e.g. XXXX XXXX XXXX XXXX 's office for the rental property in question ) is my address in XXXX, CA. Given the multiple mailings were repeated to the same incorrect address, notification was never adequately provided, all the while fees for the debt collector were accumulating.

Company response to consumer: Closed with explanation