Consumer complaint received 2019-12-14
Company: NATIONS DIRECT MORTGAGE, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Began when I missed a mortgage payment in XX/XX/XXXX, there after the payments were made late until XX/XX/XXXX. I requested assistance with a loan modification so the mortgage company, Nations Direct Mortgage sent a loss mitigation packet in XX/XX/XXXX which was completed and emailed on XX/XX/XXXX. The result, I was approved in XX/XX/XXXX for a repayment plan in amount of {$2000.00} which was to start XX/XX/XXXX. I called Nations Direct Mortgage loss mitigation department who told me to contact, XXXX XXXX ( under writer ) regarding the repayment plan, so I sent the email on XX/XX/XXXX letting them know I could not afford this month repayment plan but I never received a email or return call from Mr. XXXX. On XX/XX/XXXX I received an email from the Loss Mitigation processor, XXXX XXXX who requested another loss mitigation packet due within 30 day, then on XX/XX/XXXX an email was received from the loss mitigation department which states " upon review the following is still being requsted " not a typo. The email asked for the same information sent prior but I sent it again and never heard anything from the mitigation department. Then on XX/XX/XXXX a email was received from loss mitigation requesting the following : a hardship letter, making Home Affordable, the 4506t form, child support payment summary and ( 3 ) months of bank statements which was sent via email on XX/XX/XXXX. I never heard back from Nations Direct Mortgage. I filed for bankruptcy XX/XX/XXXX using assistance from bankruptcy lawyer XXXX XXXX XXXX, office in XXXX MD who informed me that the mortgage company foreclosed on my property on XX/XX/XXXX, I was not aware. After filing process the Mr. XXXX informed me that Nations Direct does not want to work with me thru the bankruptcy process, I filed Chapter XXXX, therefore Mr. XXXX gave me the name of a third party company, XXXX XXXX XXXX non profit program were this company could purchase the property and resell to the owner. The contact person was Mr. XXXX XXXX, Negotiations Manager, contact number XXXX who tried to reach out to Nations Direct Mortgage but had no success. Mr. XXXX states he has never experience this unprofessional behavior from a business, but states he will keep my file opened for any future assistance. Recently I contacted another non profit company, XXXX XXXX XXXX, contact person Mr. XXXX XXXX, HUD housing counselor,  phone number XXXX who also tried to contact Nations Direct Mortgage but they will not respond, so told me to file an complaint. I received a letter from XXXX City Circuit courts which states my automatic stay has been terminated as of XX/XX/XXXX. I take full responsibility on my current situation, it's my fault but I would like a fair chance to resolve without loosing my house. I worried that me and my children will be homeless but I'm also angry because I feel the company will not cooperate. I still reside in the property and I hope someone can help my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation