| 05/02/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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I am complaining about this company S.B.S. Trust Deed Network, also known as S.B.S. Lien Services because this company has set a date which is XX/XX/2023, to have a foreclosure sale on my current property.
S.B.S. Lien Service charging me more than {$6000.00} on my HOA fees which is {$52.00} a month. I have not received any bills from my HOA or S.B.S. Lien for whatever payment I missed. The only notice I received was on my front door, stating foreclosure sale date on my property.
XXXX XXXX Superior Court attorney contacted me by mails twice regarding S.B.S. Lien Services company and another company regarding fraud activity on my current property two months ago. I have also filed a complaint against both companies.
A few days later XXXX XXXX attorney contacted me, S.B.S. Lien Services put a notice on my front door stating that my property has been placed a date to be sell as a foreclosure property.
I did not know that any company can come and put a public notice on where I live, where everyone can see, with such a strong statement. S.B.S. Lien Services has humiliated my family ( my kids ) publicly. I have never received a letter in the mail from this company for a bill until I asked them last week. Why cant they send us a bill in the mail instead of announcing it on our door for the whole neighbor to see?
I called XXXX XXXX Attorney office, and they offered me assistant and lawyers, and where to report this company.
S.B.S. Lien Services is hire by XXXX XXXX XXXX to have a foreclosure sale on my property. XXXX XXXX XXXX is a HOA association where I currently resided.
I have not received any bills or late payments from my HOA regarding what I owned. I have requested both S.B.S. Lien Services and my HOA for a bill for what I owned, they have sent me a bill of more than {$6000.00}. My HOA monthly fees is {$52.00}.
S.B.S. Lien Services responded me that because I owned two years of my HOA fees, and that was the reason why they put a foreclosure date on my house as of XX/XX/2023. My HOA fees is {$52.00} per months. Even if I didnt pay for two years, the total should be {$1200.00}. According to HOA regulations in California, HOA can not put foreclosure sale if it is not more than {$1800.00}. Also foreclosure sale can be made only on the amount of HOA fees, not including late fees, fines and so on.
My HOA association also charges {$10.00} for later fees for the last twelve years that I have been living. According to California HOA regulations and laws, a HOA can not charge more than 5 % of monthly fees for late fee.
I contacted S.B.S. Lien Services about ago, and explained that we have been harassed, bullied, and mistreated by XXXX XXXX XXXX for the last twelve years, and S.B.S. Lien might want to ask what XXXX XXXX was charging me.
S.B.S. Lien Services responded was unprofessional. They apparently didn't care what happened to my property or my family.
Since they put foreclosure sale on my property in the system, we have been harassed by telemarketers, agencies, and organization because everyone wants to buy my house and want to give me advices on how to go about it. We have lawyer offices knocking on the door, and contacting many times of the day because of S.B.S. Lien Services makes my propertys information ( foreclosure sale ) a public information.
My family and I have to live with this every day now. No one contacted me regarding what I have to own in the mail. Last week I contacted my HOA to send me a bill, and I have included in this complaint. Nothing is in detailed to explain to me on what I owned. I dont mind paying what I own if they have let me know that I did.
We have live with this daily on the property that we worked so hard to purchase for our kids. How is it that my kids might have to move and lose their childhood home over XXXX XXXX monthly fees that they claimed they did not received? We have been paying more than ten years, and we have recorded payments. I hope someone help us with this situation because my children and my aging parents do not deserve to live with this daily.
Thank you for your time.
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| 06/20/2023 |
No |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I am contesting an alleged debt that was collected and untimely and negligently processed by SBS Lien Services on behalf of the HOA, XXXX XXXX XXXX XXXX, in XXXX XXXX, CA. SBS Lien Services sent 2 ( two ) NSF checks to XXXX XXXX and XXXX XXXX Eventually, SBS Lien Services wired {$50000.00} ( HS # XXXX ) to XXXX XXXX There seems to be a complete disconnect between what has been posted on my HOA ledger account and what SBS Lien Services stated in their last communication to me on XX/XX/XXXX.
MOST IMPORTANT DATES, AMOUNTS, and COMMUNICATIONS XXXX - I have paid, under protest, an alleged debt to my condo HOA, XXXX XXXX XXXX XXXX, using the HOAs hired debt collection agency, SBS Lien Services. I wired {$52000.00} to prevent the foreclosure of my condo. The wire was never returned to my bank.
XXXX Received SBS Lien Services email acknowledging payment through XX/XX/XXXX. Lien on my property was removed days later.
XXXX XXXX XXXX XXXX XXXX XXXX posted a {$50000.00} NSF check from SBS Lien Services on my ledger account and a NSF check fee.
XXXX XXXX XXXX last day of services. XXXX XXXX transferred the HOA accounts to XXXX XXXX My transferred balance was {$37000.00}.
XXXX XXXX day of new management company, XXXX XXXX
XXXX XXXX 60-day late-fees grace period.
XXXX XXXX XXXX XXXX legal fees '' of {$17000.00} to my HOA ledger account. How did XXXX know this amount was going to be for legal fees?
XXXX XXXX posted a {$50000.00} NSF check XXXX # XXXX ) to my ledger account, along with an NSF check fee.
XXXX XXXX finally posted a WIRE transfer ( HS # XXXX ) for {$50000.00} to my account. What information did SBS Lien not received from the HOA, which cause a delay in the timely disbursement of funds?
XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX in Texas, requesting payment of a balance of {$55000.00}. The letter was sent via regular US mail.
XXXX & XX/XX/XXXX I sent a certified mail to the HOA Board and XXXX XXXX requesting that they investigate the letter dated XX/XX/XXXX. I also sent a follow-up email regarding the certified letter.
XXXX I called SBS Lien Services to request information about my account with them. XXXX XXXX advised me to send the specific requests via email, which I did on XX/XX/XXXX and follow up XX/XX/XXXX, and XX/XX/XXXX.
XXXX XXXX XXXX from SBS Lien Services sent a brief response via email but failed to provide the requested information or answer my questions. She carbon-copied the president of the HOA Board on his business/personal email ( XXXX ) instead of using the HOA Board email ( XXXX ) or including the other Board members. It is inconceivable to think that SBS Lien Services had my money for over five months sitting in their bank without informing me.
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| 06/11/2017 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Several years ago, I got behind in my HOA on my property. The HOA s ent my debt to a collection company, cal l SBS lien Services. I rec eived a payment plan. Last year I got behind by 45 days due to my business being slow. I asked for a meeting with the HOA and they never resolved the problem. I made sure I paid the monthly HOA because the Davis Sterling act states that legally the HOA has to accept my c urrent payment. Last month my father passed away and I was involved in his passing and his funeral expenses. At the time of me staying at the Rest home with my father the HOA 's collec tion company sent me a letter on XXXX XXXX , which I received on XXXX XXXX asking for {$5500.00} by XXXX / XXXX / XXXX only giving me 4 days to come up with money I did not have after paying for funeral costs ( I have the death certificate to prove it ). In the letter they wanted {$5500.00}. I did not even get the letter until XXXX / XXXX / XXXX , and I was paying my curren t HOA. The HOA did not give me a chance to make payments. the cost seem to sky rocket even though I was paying the {$200.00} current fees. The collection company sent my file directly to a Trust Deed sale, with out a current notice of Default. The lien service last file of notice of defau lt was in XXXX , with the last notice of trust Deed sale in XXXX , and a release of the les pendance in XXXX . I feel since I was making the payment and paying extra t he HOA should be advised to allow me to have a payment plan and remove all the additional fees they added for the trust deed sale without a current notice of default. SBS Lien services did not give me enough time to even come up with the lump sum. In addition the HOA wa s not advised correctly as I have a modification on the home on the loan at $ XXXX and the value is only XXXX Th e HOA will owe more on the home than it is worth which means they were not explained the circumstances by their property manager who is not following the Davis-Sterling Act or the collections company. I do not want to los e my property, yet t he offer too me was unfair only giving me 2 days to come up with {$5500.00} and not the Trust Deed sale is requsting over {$7500.00}, {$2000.00} more. I sent them all the money I have {$3000.00} and all I am asking for is a fair payment and not a foreclosure. SBS c ontact is XXXX . I was never contacted by phone, nor was I invited to a meeting with the HOA, PLEASE HELP ME..
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| 07/18/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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SBS Lien Services was hired by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX to foreclose on my condo XX/XX/XXXX. The alleged amount owed was wired under protest in accordance with the instructions provided by SBS Lien Services. ( 1 ) -In XX/XX/XXXX, my former HOA account with XXXX XXXX XXXX assessed a NSF check fee because SBS Lien Services issued a NSF check. ( 2 ) -On XX/XX/XXXX, my current HOA account with XXXX XXXX also charged a NSF check fee due to SBS Lien Services issuing another NSF check. ( 3 ) -In total, SBS Lien Services sent two NSF checks. ( 4 ) -On XX/XX/XXXX, XXXX XXXX updated the California Secretary of State ( Ca SoS ) website by associating a business entity from a XXXX XXXX with the same name and a similar address with the information of XXXX XXXX XXXX in XXXX XXXX. ( 5 ) -On XX/XX/XXXX, XXXX posted a wire transfer ( HS # XXXX ) of {$50000.00} to my account. Finally, SBS Lien Services transferred the money that I had wired on XX/XX/XXXX. ( 6 ) The NSF check fees and late fees have not been reversed. ( 7 ) -On XX/XX/XXXX, XXXXa filed a Registration of Unincorporated Common Interest Development Association with the Secretary of State ( SoS ) for XXXX XXXX XXXX in XXXX XXXX. Yes, XXXX just filed it yesterday, XX/XX/XXXX.
( A ) -What information did SBS Lien Services lack from the HOA that prevented the timely disbursement of funds? ( B ) -Which identification documents did SBS Lien Services use to verify that the " HOA BUSINESS ENTITY '' involved in the foreclosure was a legitimate entity operating in California in XX/XX/XXXX?
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| 10/24/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/2023 I had tried to get into my account to pay for my Hoa dues for XXXX XXXX XXXX XXXX XXXX and was not able to. I reached out to them and asked why. I was told that it was frozen due to payments owed. Previously I had spoken to my hoa company XXXX XXXX XXXX XXXX XXXX and told them about my situuation due to covid restrictions dealing with employment and a divorce and previously before that, they stated that they would work with me. XXXX XXXX XXXX had given my account over to Sbs lien company and was demanding that I pay the full amount. I was trying to do a payment plan but it was to high so I was trying to work things out with the homeowners association and sbs lien company ( XXXX XXXX ). On XX/XX/XXXX XXXX I gave ( wired transfered ) XXXX which they received and on XX/XX/2023 I sent an additional XXXX which totals XXXX which is the full amount due with everything included. I asked Sbs lien company for their ledgers of the total amount due before and this was the total amount due. Now that I have paid everything sbs lien company says I owe more. They have been tacking on fees and other things. Please help.
SIncerely, XXXX XXXX
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| 08/31/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
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A small mortgage company offered a {$23000.00} HELOC on my home in XXXX. I signed documents for {$23000.00}, but only {$7000.00} was received. After making approximately 3-4 payments, the mortgage company literally disappeared and stopped sending me statements. Now, fast forwarding to XXXX, I find out that the loan was actually transferred or " sold '' about 5 times since XXXX and the new investor is foreclosing on my home with a new balance of {$220000.00}!
I've consulted with a Real Estate Broker who says he's never seen anything like this.
The investment company is impossible to contact and does not return any of my phone calls. This is utterly devastating. How can lien holder do this?
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| 07/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I had a Special Assessment from my HOA. I paid the assessment late but in full to the property management company before I was contacted by a debt collection agency.
Debt Collection company has charged me fees and threatened me with a lien against my property.
Collection activity should be remove from my credit file.
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| 10/20/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Phone |
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| 03/22/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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| 09/14/2020 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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| 03/04/2020 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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| 07/01/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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| 01/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Phone |
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| 01/16/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Phone |
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| 10/03/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Referral |
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| 07/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Fax |
Older American |
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