Consumer complaint received 2022-12-19
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint against Arvest Mortgage XXXX includes their failure to provide me with XXXX XXXX options. I have been working with Arvest for a while, but now that I have a job, which cures my hardship, Arvest suddenly put a foreclosure sale date on my home. During the numerous applications for help and appeals from Arvest, Arvest did not allow me to make partial payments. Arvest added fees, charges, etc. while I was trying to cure my hardship which can make my situation difficult and unaffordable for me to retain my home. I believe Arvest did this on purpose. 


My home is scheduled to be sold on XX/XX/2022, at a foreclosure sale. I am asking if you can stop the sale date and help me with Arvest to retain my home. 


On XX/XX/2022, I recently cured my hardship with a new job that grosses $ 4800 monthly. On XX/XX/2022, Arvest filed the foreclosure sale date while I was working with them to retain my home by filing appeals to their decision. I truly feel that Arvest is not working in my best interest to help me to retain my home. I sent Arvest numerous requests to make partial payments and help to save my home, but they would not stop the foreclosure to allow me to catch up or limit the amount of my arrears. 


Here is a chronology of my efforts and interactions with Arvest in retaining my home with the latest first : XX/XX/2022 Foreclosure Sale date of my home is scheduled at XXXXXXXX XXXX XXXXT. 

XX/XX/2022 Filed complaint against Arvest Central Mortgage Company citing unfair home retention efforts with the Consumer Financial Protection Bureau. 

XX/XX/2022 Arvest quickly denied all home retention options and closed my case. 

XX/XX/2022 Document of an email from Arvest showing that the secured emails to me last only XXXX weeks. 

XX/XX/2022 Because Arvest stopped my access to their online mortgage system, I requested Arvest to provide me with my latest monthly mortgage and escrow statements to complete my application with the XXXX XXXX XXXX XXXXXXXX ( CRMP ). The XXXX provides up to {$80000.00} as a payoff towards my arrears with Arvest. The money gets sent directly to Arvest. Since learning about CRMP through Arvest, I have been working with Arvest to work out a plan less the {$80000.00} from XXXX since XXXX does not allow more than {$80000.00} owed to the mortgage company. Since I owe more than {$80000.00}, my application with CRMP was denied. 

XX/XX/2022 Provided Arvest with my latest employer 's pay stub in the gross amount of {$4800.00}. My total gross earnings including my pension are {$10000.00}. 

XX/XX/2022 On XXXX of the letters from Arvest, Arvest included " XXXX XXXX '' in the correspondence with me. I do not know XXXX XXXX or how he is linked to my mortgage. Can this error be reviewed? Perhaps there are more errors and mistakes with my request to retain my home. 

XX/XX/2022 Submitted my latest borrower package to Arvest, and the email they provided me came back as undeliverable : XXXX Arvest only gave me 2 days to submit the package. Luckily, I included another email address that I used previously in other correspondence with Arvest. That email address went through, and my application was sent in time. I emailed Arvest about the faulty email address and they have not responded about their mistake which could have cost me my home. 

XX/XX/2022 Appealed Arvest 's denial to let them know that my next pay stub will come about XX/XX/2022. I informed Arvest that I receive my income monthly and that my first pay stub to them was for a few days of work which I started on XX/XX/2022. 

XX/XX/2022 Appealed Arvest denial from XX/XX/2022. Asked Arvest if I can make partial payments and use XXXX XXXX  XXXX XXXX. 

XX/XX/2022 The notice of Foreclosure date was filed. 

XX/XX/2022 Appealed Arvests decision and asked them to provide me answers to my questions XX/XX/2022 Appealed Arvest 's denial from XX/XX/2022 and asked them to provide answers to my questions/concerns like taking me out of foreclosure so that I can make partial payments, help with the XXXX XXXX  XXXX XXXX XXXX and providing the calculations they used to deny my request. 

XX/XX/2022 Arvest denied all home retention options. 

XX/XX/2022 Received the XXXX XXXX XXXX for foreclosure alternatives per my request after being denied. 

XX/XX/2022 XXXX denied all home retention options.

Company response to consumer: Closed with explanation