Consumer complaint received 2022-06-11
Company: Idaho Housing And Finance Association
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$270.00} {$600.00} {$750.00} XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$270.00} {$600.00} {$750.00} XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$270.00} {$590.00} {$750.00} XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$270.00} {$590.00} {$750.00} XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$270.00} {$590.00} {$750.00} XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$280.00} {$590.00} {$750.00} XX/XX/XXXX Late Fee ( XXXX ) {$35.00} {$35.00} XX/XX/XXXX Late Fee ( XXXX ) {$35.00} {$35.00} XX/XX/XXXX Late Fee ( XXXX ) {$35.00} {$35.00} XX/XX/XXXX Late Fee ( XXXX ) {$35.00} {$35.00} XX/XX/XXXX Late Fee ( XXXX ) {$35.00} {$35.00} XX/XX/XXXX Phone Pay Fee ( XXXX ) {$10.00} XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$270.00} {$590.00} {$750.00} XX/XX/XXXX Phone Pay Fee ( XXXX ) {$10.00} XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$280.00} {$590.00} {$750.00} XX/XX/XXXX Phone Pay Fee ( XXXX ) {$10.00} XX/XX/XXXX NSF Check Fee ( XXXX ) {$15.00} {$15.00} XX/XX/XXXX Late Fee ( XXXX ) {$35.00} {$35.00} XX/XX/XXXX Late Fee ( XXXX ) {$35.00} {$35.00} XX/XX/XXXX Late Fee ( XXXX ) {$35.00} {$35.00} XX/XX/XXXX Late Fee ( XXXX ) {$35.00} {$35.00} XX/XX/XXXX Late Fee ( XXXX ) {$35.00} {$35.00} XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$280.00} {$590.00} {$750.00} XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$280.00} {$590.00} {$750.00} LATE CHARGE : $ XXXX XXXX XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$280.00} {$590.00} {$750.00} XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$280.00} {$590.00} {$750.00} NSF CHECK CHARGE : $ XXXX XXXX XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$280.00} {$590.00} {$750.00} XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$280.00} {$590.00} {$750.00} NSF CHECK CHARGE : $ XXXX XXXX XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$280.00} {$590.00} {$750.00} XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$280.00} {$590.00} {$730.00} XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$280.00} {$590.00} {$730.00} XX/XX/XXXX Escrow Deposit ( XXXX ) {$65.00} {$65.00} XX/XX/XXXX NSF Check Fee ( XXXX ) {$15.00} {$15.00} XX/XX/XXXX NSF Check Fee ( XXXX ) {$15.00} {$15.00} XX/XX/XXXX Late Fee ( XXXX ) {$35.00} {$35.00} XX/XX/XXXX Late Fee ( XXXX ) {$35.00} {$35.00} XX/XX/XXXX Late Fee ( XXXX ) {$35.00} {$35.00} XX/XX/XXXX Late Fee ( XXXX ) {$35.00} {$35.00} XX/XX/XXXX Late Fee ( XXXX ) {$35.00} {$35.00} XX/XX/XXXX Late Fee XXXX XXXX ) {$35.00} {$35.00} XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$280.00} {$580.00} {$730.00} LATE CHARGE : $ XXXX XX/XX/XXXX Escrow Deposit ( XXXX ) {$65.00} {$65.00} XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$280.00} {$590.00} {$730.00} XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$280.00} {$580.00} {$730.00} XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$280.00} {$580.00} {$730.00} XX/XX/XXXX Property Inspection Fee ( XXXX ) {$20.00} {$20.00} XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$280.00} {$580.00} {$730.00} XX/XX/XXXX NSF Check Fee ( XXXX ) {$15.00} {$15.00} XX/XX/XXXX NSF Check Fee ( XXXX ) {$15.00} {$15.00} XX/XX/XXXX NSF Check Fee ( XXXX ) {$15.00} {$15.00} XX/XX/XXXX Late Fee ( XXXX ) {$35.00} {$35.00} XX/XX/XXXX Late Fee ( XXXX ) {$35.00} {$35.00} XX/XX/XXXX Late Fee ( XXXX ) {$35.00} {$35.00} XX/XX/XXXX Late Fee ( XXXX ) {$35.00} {$35.00} XX/XX/XXXX Late Fee ( XXXX ) {$35.00} {$35.00} XX/XX/XXXX Late Fee ( XXXX ) {$35.00} {$35.00} XX/XX/XXXX Late Fee ( XXXX ) {$35.00} {$35.00} XX/XX/XXXX Late Fee ( XXXX ) {$35.00} {$35.00} XX/XX/XXXX Late Fee XXXX XXXX ) {$35.00} {$35.00} XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$280.00} {$580.00} {$730.00} XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$280.00} {$580.00} {$730.00} XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$290.00} {$580.00} {$730.00} XX/XX/XXXX Partial Payment/Suspense ( XXXX ) {$1100.00} XX/XX/XXXX Payment ( XXXX ) {$1600.00} {$290.00} {$580.00} {$730.00} XX/XX/XXXX Partial Payment/Suspense ( XXXX ) ( {$1600.00} ) PARTIAL PAYMENT/SUSPENSE : ( {$1600.00} ) XXXX XXXX XXXX called HomeloanServ and i brought up the late fees being repeated. XXXX on the phone was saying what fees and what dates? Well, she should be able to have access to the transactions. Then, I told her for the inspection of the house that i should be notified. How do i know if they actually did the inspection or not. I brought up an inspection fee that i had seen prior to calling and she said " What date? ". I also, Have recieved letters that i have a certain time frame to pay my mortgage and possible forcelosure letters. I told her why were my late payments not adding up. XXXX said, " that's what happens when you're late ''. My issues were not being resolved and i was not getting any closure. 

I also, brought up that around XX/XX/XXXX there was a lady banging on my door demanding my mortgage payments saying she was from HomeloanServ and left a note. I was in XXXX as of XX/XX/XXXX. I was able to see it on my XXXX Device. HomeloanServ said " It was an inspection most likely ''. but, that they do not send people to do that. Yet, i do not see any Inspection Fees in XXXX time frames.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation