Consumer complaint received 2023-09-19
Company: GATEWAY FIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
1. Gateway Mortgage foreclosed on our home when they no longer owned the loan. My loan was taken over by XXXX XXXX. Id got my loan docs from the company and everything, when I then got a notice that my prior bank foreclosed. Gateway realized their mistake apparently and somehow took our loan back from XXXX XXXX 2. My loan got behind because I continued to pay my monthly payment, not realizing at some point Id gotten a late fee. Being that I didnt include the late fee, Gateway would put my payments in a reserve account all while charging monthly late fees. After a while of holding my payments in a reserve account they finally sent all my payments back. I called to clarify why and thats when I was told my payments had to match the exact amount due otherwise they cant accept it. I then asked the total due to bring the account current. I paid the exact amount given ( XXXX ) and brought the account current only for them to charge me {$900.00} in attorney fees a few months later. Id exhausted all my resources to pay XXXX do we couldnt afford to pay the additional {$900.00} that was added from me previously being behind so that threw me back in the same cycle of them putting my payments in reserve/charging late fees. After so long they returned all my payments as they did before but of course I now owe attorney fees/late fees. Instead of trying to pay the amount they demanded again I instead obtained an attorney. My attorney filed a case of which is ongoing ( XXXX XXXXXXXX XXXX Gateway Mortgage ) but in the meantime there was a stay. Gateway went against judges orders and kept sending the XXXX police/constable to have us evicted. The first 2 times they came we called our attorney or the courts and they were told to leave because the mortgage company had no grounds for eviction. The 3rd time they came they showed up on Saturday XX/XX/XXXX so that we wouldnt have access to our attorney or the courts to tell them the eviction was illegal and to leave. My family was forced out that day, all of our possessions thrown out. We were forced by the XXXX police to sign docs for the mortgage company saying we wouldnt return otherwise wed be arrested. We only signed because they said they would take my husband to jail for tickets and instead of letting us get our needed possessions make us immediately leave. 3. We have been trying to reach Gateway repeatedly since we were illegally thrown out and they refuse to speak to us. We reached their attorney once and he had them call us, but they gave us a payoff of more than XXXX XXXXXXXX. We bought our home fort XXXX XXXX XX/XX/XXXX. How could they expect us to pay twice that to get our home back? We sent them an approval for financing but we refuse to pay the amount theyre demanding. This company has taken advantage of my family in every way and are continuing to try to strong arm us. All we want is our home back for the correct amount owed and theyre refusing to have the conversation or give a breakdown for the amount theyre asking for. Theres so many violations this company has committed against my family and I want them held accountable per XXXX CFPB assisted homeowners with their loans when XXXX XXXX did the exact same thing to their customers and I just hope cfpb can do the same for my family with this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation