Consumer complaint received 2021-11-23
Company: SUMMIT FUNDING, INC.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am filing a complaint today against my mortgage company, Summit Funding. A tree fell on our house from Hurricane Ida. We have been displaced and essentially XXXX  since XX/XX/XXXX. My family has XXXX people including a XXXX  XXXX old infant, a XXXX year old girl, and a dog. We haven't received any XXXX funds and have yet to be reimbursed for anything we've already had to come out of pocket for. A tree sat on my roof for over a month. My house was the only house that still had a tree laying on the roof just from observing the surrounding areas. Summit Funding  sent a company ( XXXX XXXX ) to come remove the tree and tarp the roof without notifying us on XX/XX/XXXX. They claimed we vacated the property though we are there every day and sometimes multiple times a day. All of our belongings were still there. There were no signs of us vacating. We drove past and saw them there around XXXX XXXX. on XX/XX/XXXX and just assumed the insurance company sent them, so we didn't stop by. My neighbors told me they were there all night. We went back on the next evening on XX/XX/XXXX and noticed our doors were locked with different locks. The very next morning on XX/XX/XXXX I looked through my windows and noticed my house was trashed. I called XXXX and made a police report and took video evidence of my house. Almost everything of value was stolen. Over XXXX of valuables. All of my childrens ' clothes. Sentimental items were stolen that were given to me XXXX  years ago, by my father who passed away recently. I called my mortgage company and notified them as soon as I finished writing the police report. I was never notified about this company ( XXXX XXXX ) coming by Summit Funding.  Not an email, text, call, or letter. I will attach pictures of usps tracking mail to my home to show when Summit Funding actually notified me. I'm assuming they realized how big of a mistake they made, because they finally mailed a letter out to notify me about the XXXX XXXX company coming to my property on XX/XX/XXXX. This is XXXX  days after I told them about the incident. The letter was mailed out on the XX/XX/XXXX and didn't arrive at my house until XX/XX/XXXX. This is an entire week after the incident. Moving along, I finally received a check from my insurance company to start repairing some of the damages. The amount is XXXX. I received the check XX/XX/XXXX and endorsed it. Within the next 2 to 3 days the check was mailed to Summit Funding for them to endorse then to send back to me so I can start repairing my home. They've refused to release the funds. After waiting several weeks, I called was told they would put in a request to release the funds and that it would take XXXX days. I called back in XXXX days and was told it would take XXXX more days. I called back XXXX days later and was told it would be another XXXX days. The only communication I've gotten from Summit Funding was a letter in the mail stating the many stipulations required to release the check to me. One in particular was for me to not threaten to sue them. I'm assuming because they know they are solely responsible for why my house was burglarized, and my entire family was violated. Summit Funding is also claiming I am responsible for the cost of what they paid to send that company XXXX XXXX XXXX ) to my house. We are going on XXXX  months of our house being destroyed and still haven't received as much as a phone call from Summit Funding. We are asking for funds to be released immediately so we can fix our home and move on with our lives. 
Thanks for your time.

Company response to consumer: Closed with explanation