Consumer complaint received 2017-11-30
Company: CMG MORTGAGE, INC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to reach my mortgage company and have sat on the phone for hours with no answer multiple times. I have also authorized someone to speak on my behalf and they sat on hold for hours as well with no response. I have emailed with no response and submitted for modification. I started working for a company that works with HUD and they need to know status of my modification or I could face termination. My mortgage company has had my modification paperwork since the beginning of XXXX and still can not give me a response. I emailed one last email and FINALLY received a response from someone in their client liaison department and he has been very kind BUT still do not have an answer. I do not wish to lose my job or my house ... below are just a few things that have happened since I have owned my home. I do not know what to do. I was told by HUD that my lender is not a HUD approved lender also ... so I am confused as to why they would be managing my loan and if that is why my first modification was approved and then rejected? Is that not against regulations?? I will be contacting an attorney and also someone with HUD for guidance. Please if you can help me at all it would be appreciated.. see below for more information ... 

When I purchased my home in XXXX my fiance and I moved in together and got married a year later. My then husband lost his job and it became harder to pay all the bills solely on my income. He then took a job out of state and was making decent money and contributing more soon after that in XXXX we separated and divorced and it was back to just me paying for everything. I then fell so behind that I almost lost my house as I had to take money out from my XXXX and ask for help from others to be able to save my house. The payments kept adding up and the attorney 's fees were piling on, it was terrifying. I do not want to go through this again. After I got the house out of the pending foreclosure last year I then filed for a modification, it was granted a trial period for 3 months to see if it could be fully modified. I was so happy and paid the first trial payment, when I called to make the 2nd payment I was told that I was no longer on the plan and that they needed further information and the modification trial period had cancelled. The payment could not be accepted and I now owe XXXX full payments which I did not have. I was told that the trial amount would be mailed to my address in the following few weeks, I waited and waited but it never came. I called to speak with a manager at CMG to see if they could tell me where it was it took XXXX business days and they let me know once I called back that it was sent back to the checking account it was drafted from. I had no access to that account as it was my ex-husbands who had made that payment for me and therefore no longer had that payment to give to CMG. Then the snowball effect started and I have been behind 2 months ever since. I was let go from my job in XXXX XXXX that job paid me XXXX plus overtime, it took me about a month to find a new job. I did find another job but it only paid XXXX with hardly any overtime. My ex-husband and I were going to mend things in XXXX and he was going to pay the bills while I went back to school to get my XXXX XXXX and that was only going to be for a year, I quit my job and went to school full time. That only lasted a few months then he left me again, with nothing. I got back on my feet and got a job but it only paid XXXX with overtime, I was not even making enough to support my household but at least I had a job. I then found a better job, the one I have now that pays me XXXX with the possibility of overtime in the future months. lam able to support my household on my own, I just need to get caught up. I have asked to make one and a half payments a month to catch up but I was told by CMG customer service agents that that is not possible and that per the Investor they have to have so much ( it changes monthly ) upfront or they can not help me in a re-payment plan. I do not have anything in savings as I used it last year to get myself out of this very predicament. If I had it to give I would not be behind, all I want is to be caught up and this worry to go away. I am very stressed, this is honestly why I go to work every day. I am proud of my house and what I have accomplished, I do not want to lose it because I am a few months behind and no one will help me. lam trying to get my credit back on track also but honestly, I only care about my home at this point. Hopefully I will be approved for a modification and can get a handle on this and can start re-building my life. Life is full of circumstances and it is not what happens to you but how you come back from it. I am just asking for a chance and some help, please help me get this under control so I can get my life back together. 

Thank you,

Company response to consumer: Closed with explanation