Consumer complaint received 2026-06-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Amos Financial LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I took out a XXXX mortgage with XXXX XXXX XXXX in the amount of {$49000.00}. Following the XXXX economic collapse and real estate market crash, I experienced severe financial hardship and filed for XXXX XXXX bankruptcy. During that bankruptcy, the XXXX XXXX was stripped. My bankruptcy attorney did not explain to me that a stripped XXXX could be reinstated if property values recovered. I had absolutely no knowledge this was possible and made no financial preparations for it. In XX/XX/XXXX, the Deed of Trust was quietly assigned to Amos Financial LLC, an Illinois debt buyer. I was not meaningfully notified of this assignment. In XXXX, as property values in my area recovered, XXXX XXXX activated the lien and initiated foreclosure proceedings, demanding {$120000.00}, claiming the original {$49000.00} had grown through {$66000.00} in accrued interest and {$10000.00} in fees. The accrued interest alone exceeded the original principal amount. ISSUE XXXX DEFECTIVE NOTICE OF DEFAULT I have documented email evidence showing that XXXX XXXX provided their foreclosure trustee, California XXXX XXXX XXXX, with XXXX different and inconsistent default dates. XXXX initially stated the default date was XX/XX/XXXX. XXXX XXXX of XXXX XXXX later corrected this to XX/XX/XXXX. The trustee, XXXX XXXX of California XXXX XXXX, wrote in a XX/XX/XXXX email that the Notice of Default recording " may have an issue if challenged by the borrower '' because the first missed payment date was inconsistent with what was stated in the foreclosure instructions. A Notice of Default with an inaccurate default date is a procedural defect under California XXXX XXXX XXXX XXXX. I was never informed of this issue and was not given any opportunity to challenge the NOD before being served with a Trustee Sale Notice. ISSUE XXXX DECEPTIVE PRACTICES DURING FORECLOSURE PROCEEDINGS On XX/XX/XXXX, XXXX XXXX at XXXX XXXX emailed me stating he was not aware that my XXXX mortgage balance was {$730000.00} and asked me to send a recent mortgage statement. He stated that upon reviewing the statement, XXXX may be able to reduce the offer or potentially stop the foreclosure altogether. I had in fact sent this same statement on XX/XX/XXXX, and XXXX XXXX had acknowledged receiving it at that time. I sent the statement again as requested in good faith. On XX/XX/XXXX just XXXX days after XXXX XXXX stated he would review my statement and potentially stop the foreclosure, I was served with a Trustee Sale Notice scheduling the sale of my home for XX/XX/XXXX. I called XXXX XXXX in a state of panic. During that call, XXXX XXXX read me verbal modification terms over the phone. I agreed to those terms verbally because I had XXXX days before my home was to be sold and I had no other option. I had not seen these terms in writing at the time of my verbal agreement. In a XX/XX/XXXX email from XXXX XXXX to XXXX XXXX at California XXXX XXXX, XXXX XXXX stated that XXXX XXXX " XXXX only bid up to $ XXXX '' at the trustee sale. This demonstrates that the {$100000.00} settlement offered to me was the maximum XXXX could recover at sale, not a genuine concession or discount made in my interest. ISSUE XXXX AGREEMENT SIGNED UNDER DURESS The final Modification Agreement was signed on XX/XX/XXXX. At the time of signing I was : ( XXXX ) recovering from my XXXX XXXX of the year, with another XXXX scheduled; ( XXXX ) medically retired from my position as a Deputy Probation XXXX with the XXXX XXXX XXXX XXXX Department ; ( XXXX ) in monthly income deficit of approximately {$1200.00} ; ( XXXX ) without independent legal counsel reviewing the agreement on my behalf ; and ( XXXX ) under an active foreclosure sale threat that had been postponed multiple times while documents were delayed by XXXX XXXX. I signed the agreement because I had no viable alternative and my home was at risk of imminent sale. I documented these circumstances in writing in a XX/XX/XXXX email to XXXX XXXX, which I have preserved. I also have a detailed written account of the full timeline that I sent to XXXX XXXX on XX/XX/XXXX, documenting the sequence of events including the verbal agreement under duress. ISSUE XXXX DEBT COLLECTION HARASSMENT During the XXXX foreclosure proceedings, I experienced harassment at my home including agents arriving at my property unannounced and looking through my windows, as well as constant phone calls and text messages. I documented this in my XX/XX/XXXX correspondence with XXXX XXXX. These actions may constitute violations of the Fair Debt Collection Practices Act and California 's XXXX Fair Debt Collection Practices Act. ISSUE XXXX SECOND NOTICE OF DEFAULT AND ONGOING FINANCIAL HARDSHIP Following the XX/XX/XXXX modification signing, I experienced continued medical and financial hardship due to my medical retirement, multiple surgeries, and significantly reduced income. I subsequently fell behind on payments on the modified loan. XXXX XXXX issued a XXXX Notice of Default and threatened foreclosure again. Facing the loss of my home for a XXXX time, I was forced to take out a high-interest personal loan at 29.36 % annual interest in XX/XX/XXXX specifically to bring the XXXX XXXX account XXXX and avoid foreclosure. Since bringing the account current I have made every payment on time. As of XX/XX/XXXX I am not in default. However the pattern of conduct, including the predatory terms of the original modification obtained under duress, the accumulation of late fees totaling {$880.00}, and costs and fees of {$1200.00} has caused significant and ongoing financial harm. The high-interest personal loan I was forced to take out to save my home represents an additional direct financial consequence of XXXX XXXX XXXX XXXX. CURRENT STATUS I signed the modification agreement under the circumstances described above. The modified terms are : {$100000.00} total balance ( {$50000.00} interest-bearing at 5 % fixed, {$50000.00} deferred due at maturity or sale ), monthly payment of {$260.00}, maturity date XX/XX/XXXX. As of XX/XX/XXXX, my current interest-bearing balance is {$47000.00}. I am a single homeowner on a fixed income. I have consulted XXXX housing counseling and have contacted legal aid organizations regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation