Consumer complaint received 2023-03-20
Company: Aspen Yo LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sir or Madam, We all try to forget the past difficulties with new hopes and expectations in the new year. 
So I think the XXXX XXXX is a time of innocence that lets us all shine. 

But for me, the XXXX XXXX both last year and this year, replaces such hope with despair. 
Instead of pure shining moments, they are filled with darkness. 
Last year, which started with XXXX, suffered from shortness of breath and fever Since XXXX, my wife 's diagnosis of XXXX XXXX has plunged me into absolute despair. 
I hoped that the new year 2023 would be different, but this morning it is deeper than last year Despair is breaking me down. This despair is an indescribable despair. 

Even though XXXX and my wife 's XXXX XXXX made my mortgage payment I started making payments again and in the process there was a communication problem with the mortgage company. 
Bank auto pay stopped and my house was in a foreclosure situation. 
It's irony indeed that the mortgage company that put me in despair gave me hope. 
Thanks to the mortgage company introducing me to the government subsidy program, I met with a HUD local agent for consultation. 

They ( XXXX ) very kindly introduced government programs and explained the limitations of benefits like LOAN AMOUNT.I submitted all the required documents to my agent and he looked to see if the HAF program was right for me.

After some feedback, he decided that I was a good fit for the program and he enrolled me directly in the HAF.

Since this registration, I have been communicating with HAF, not XXXX. 

So, first with XXXX, now with HAF program agents. 
Communicated with LXXXX XXXX XXXX   at this stage. 
Above all, he kindly explained why these documents were needed and how to fill them out. 
This process is a great comfort and hope for those of us who do not know the inside story of the HAF program. 

And now I get to communicate with another agent, XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXXXXXX XXXX, went through my papers again and supplemented the files he felt were lacking on his part, but The agent here also looked at the lack of documents in my documents and submitted more documents than before. 
Then, with the new practitioner, I submitted feedback, explanations, and one or two documents again. 
I have so far all three steps, XXXX, HAF, and the last XXXX XXXX, have not said that there is a problem with the loan amount, and even Gregory Funding, who recommended this program to me, was the first to recommend that I could benefit from it. 

During this process, all kinds of spam calls and e-mails related to the foreclosure made not only me but the whole family depressed. 
Nevertheless, I have not neglected communication with my mortgage company, HAF, and most recently I was told that HAF asked for information about my account from GREGORY and delivered all the documents.

The mortgage company employee I spoke with also wished me luck, saying that everything seemed to be going smoothly.

And this morning I got a denial notice over the phone.

The reason I was so shocked was because of Denial.

It's LOAN AMOUNT.

This is what the agent also confirmed in the first step, and if this is a problem, from the beginning, GREGORY FUNDING, XXXX XXXX for XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX for HAF, XXXX XXXX XXXX XXXX The whole thing is a problem, and everyone is a problem, from the Georgia government XXXX the federal government that gave this fund. 

In particular, HAF, which goes by the name of support, seems to be at the center of the problem. 
It's like leaving all misunderstandings and misreadings about this program to the relevant organizations. 
This problem is not simply a matter of that individual, but the value of the existence of an institution called HAF and the state government And I think we should seriously question the federal government. 
How many people, including me, have been affected by some lax business progress that has not yet been identified. 
It is only known to the outside world when a commotion arises that it is driving us into despair. 
It is the experience of reality and our history that can grasp the problem a little objectively. 

First of all, I can only do this for the 30-day reexamination request you suggested.

If the documents are insufficient or if the documents are fake or Denial, I will hold myself accountable.

My denial notice is solely for this program and all persons associated with this program.

It makes you incompetent and shameless.

You should have said that I had nothing to do with this program from the beginning. 
Gregory Funding, XXXX XXXX for XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX for HAF, and XXXX XXXX XXXX, XXXX XXXX Everyone who took the time to be kind to me didn't know the basics I ended up being an incompetent person who only wasted a lot of time and government tax money.

Please think about it once more so that my case is not publicized.

Thank you for reading.

God Bless You all. 

XXXX XXXX  Original Mortgage Balance : {$700000.00} Purchase DateXXXX Mortgage Account XXXX Current Mortgage Balance : {$630000.00} Current Monthly Mortgage Payment : {$3100.00} Current Mortgage Interest Rate:4.75 Is this loan in default? : Yes Have you received a foreclosure notice? : Yes Scheduled Foreclosure XXXX Has a sale date been scheduled? : Yes Scheduled Sale XXXX Has your loan been in forbearance? : Yes Number of payments due in forbearance? :10 Was a FHA HUD claim filed due to pandemic delinquency? : No Are you in the process of a loan modification? : No Do you have any HOA or Condo fees? : No How many times has your mortgage been previously refinanced or modified? XXXX Have you been offered/obtained/accepted a loan modification within the past 12 months? : No Lien Position : First

Company response to consumer: Closed with explanation