Consumer complaint received 2023-11-09
Company: Data Mortgage Inc.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
my mortgage has been in forbearance while i have been waiting on a decision for nevada haf to help bring mortgage current... i was told that no negative reporting would take place and it didnt until 5 days ago... i asked the company why this was done and i was told there was nothing that they could do and to dispute this information... .the issues are that i was told no negative reporting would take place during the process ... XXXX XXXX months straight during the process with nevada haf and XXXX Essex mortgage i fell into this terrible loop of " we reached out to your mortgage company but have not received the required information to approve you ... .but then id contact the mortgage company who insisted that they have sent whatever this info was that they needed ''. this kept going on and on one to two times a week for two months with this same scenario... theyd send it and nevada haf would state they didn't receive it... finally had to reach out to my senators office because nothing was being done... ..not sure if this helped but then suddenly two weeks ago days after submitting the complaint to the senator i was approved ... ..i immediately contact essex mortgage to let them know by phone and also emailed a copy of the acceptance letter along with how much id be receiving... they responded to email and told me that they were going to set me up with a spoc... we were all happy that this nightmare was over and now was a matter of finally getting the check over to them from nevada haf ... .i go in today for paperwork ... at any rate you can imagine my surprise when i get alerts all over the place that they reported the delinquency to the credit bureaus tanking my score...... i called and ask why they would do this knowing that finally i got approved and that they were going to get the money ... XXXX.they stated my forbearance ended as of XXXX so they did this ... ..i stated that this made no sense that for months we were in this terrible loop and you didnt negatively report anything but now that ive gotten approved now you choose to take the money and report it negatively ... they are paying you way more than what i owe which gives me a cushion... i know that for the most part that these payments are sent at the end of each month will i then be reported as delinquent each an every time you are paid according to the program ... .i also reminded me that while im not sure where the breakdown was but because i was caught in the loop where they were being accused of not sending over the information for months and you insisting that you did that time was being held up when someone could have easily picked up the phone and talked to each other .... mean while time is going by because of this and then to report me like i had any control in that part of this terrible process is unconscionable... they then proceeded to find any excuse to leave the negative report the way it stands telling me to dispute it... .stating that since the covid thing was over that essentially they can do this

Company response to consumer: Closed with explanation