Consumer complaint received 2019-06-06
Company: BOGMAN, INC
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am the executor of XXXX XXXX XXXX estate, who died on XX/XX/XXXX. I inherited his two mortgage loans. The first loan dated XX/XX/XXXX, loan was with Bogman XXXX in the amount of {$18000.00} with payment begin date of XX/XX/XXXX, with 240 months with an end date of XX/XX/XXXX, account # XXXX according to the Deed of Trust Note/Promissory Note. Bogman never request these payments to stop after the loan had expired on XX/XX/XXXX. I have never missed a payment with Bogman However, my father was on a fixed income and well pass age XXXX when these loans were taken out. I contacted Bogman XXXX XXXX when my father passed away it had only been two years and nine months Bogman in this contract. Bogman stated that this loan is considered default by death. Bogman could not explain the terminology. Do this mean we give loans to elderly people and once they died the mortgage company takes over the property after death. Bogman never request me to refinance the original mortgage. 

Once XXXX took over this loan # XXXX, I start having major problems. This loan was transfer to XXXX in XX/XX/XXXX. First, they claimed I did not have mortgage insurance. I sent them proof of insurance. Next claim they did not receive the information. They tried to increase the mortgage payment based on no insurance. They claimed I did not send the mortgage payments until I had to send the payment by certified mail. I still received harassing phone from different departments for other reason the payment amounts are not correct holding the payments in Escrow not posting causing late fees. Once XXXX discovered the loan contract they start send threaten letters of foreclosure on the property without explaining details the for the lump sum payment. XXXX is trying to force me to refinance monies on an expired contract. Indicating I need to pay {$15000.00} but still accepting the monthly payment in the process. I do not have {$15.00}, XXXX. If this mortgage company is requesting this money show why and where the error was made or existing loan contract. Provide some type of proof of the loan contract. I requested a copy of the loan contract from XXXX and they refused to send the contract instead sent the payment history for the period they serviced this loan. I recently received a letter from XXXX XXXX   with a returned check for XX/XX/XXXX from the Loss Mitigation office to contact their office. I called and the only explanation was given to me on XX/XX/XXXX maybe some payments was missed prior to you taken over the payments which is not true. I am still paying this mortgage as of now Both of these mortgage companies had every opportunity to review this loan every year for assessment of escrow for property insurance and county taxes and apply increase to short falls. If the principle mortgage was not satisfied based on the duration of the mortgage contracts. The loan move to numerous hands before being approved. This loan contract should have been verified by the loan processor and underwriting department before being assigned off.

Company response to consumer: Untimely response