Consumer complaint received 2021-02-28
Company: Idaho Housing And Finance Association
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a Forbearance or a Modification of my home to HOMELOAN SERV on XX/XX/XXXX due to loss of job due to my sons XXXX XXXX XXXX issue at school which had to to due with a fatal error due to school officials disregard for my sons life due to medical reasons and not following his XXXX plan and the XXXX guidelines. They almost put my son in the hospital or he could have died due to their negligence. So I had to step in and take this to the board and that needed full time consideration. I reached out to the which I have full proof of documents. Then I get ignored for almost 4 months. By the time Coronavirus happened I had just applied again in XXXX and found out the person XXXX was no longer on my case without no communication or paperwork ever sent to me by them. I was then shoved onto XXXX this individua at HOMELOANSERV who has messed up my file so bad to this date because his lack for paperwork and his clerical errors this has caused me to now be denied because of him. He didn't do his job or follow through with anything. While I applied again in XX/XX/XXXX. I ended up in the hospital from XX/XX/XXXX with XXXX and XXXX XXXX and almost died. I was in the hospital up until XX/XX/XXXX. I literally tried calling them multiple times for months. I was ignored and shoved under the rug like my file didn't matter or just ignored all together. I have tried on several emails, several phone calls etc. These all went unnoticed for months. Then XXXX goes and sends me a letter on XX/XX/XXXX to some wrong address that wasn't my house address where my file is on my mortgage. When I got out of the hospital and when I got to feeling better after XXXX in my body with another XXXX XXXX in my body and a I had a piccline in my arm for 2 weeks after I left hospital XX/XX/XXXX. I had a nurse for 2 weeks coming to the home that I own my mortgage through and on a daily basis she placed antibiotics through my piccline for me. After I finally had this removed I was ablt to be myself again. Which was 2 weeks into XX/XX/XXXX. I finally reached out to XXXX my perosn I sent him an email sauying I havent heard anything I never recieved one paperwork or documentation for anything since XX/XX/XXXX. He sdaid well we need some paerwork on your end. Then I tried talking to him and once again he ignored me. Then I get a letter not at my house and was returned to post office from my house. I was given it at the post office. I was told that I was denied for all of this because I wasn't living in my house with my mortgage and I was denoised for not getting them paperwork. I gave them everything according to all my records which I have proof of. But I never once received response 's to anything for months. I have so much email proof. So basically I get denied because they say with no knowledge or proof that I am not living in my home. But yet I have proof that I have been since it was built, from my nurse, from my kids schools, from my work, from my w-2 's, from my tax for they sent me, from my taxes I paid to the city, from my alarm company, from my neighbors, from the hospital/ Because where on earth else would I be if I don't have a job and was in the hospital all of last year XXXX?? That is there excuse.. So how on earth can I get denied for this when it makes no sense??? I am just so mad as I am finally feeling good enough after a long year I have had to deal with and the this. I didn't need this. With all the help with my HUD loan and the Modications out there. They want to mut me a single mother with XXXX young children in the cold. I have to have another major XXXX in XX/XX/XXXX next month. I will be homeless for my XXXX and be out another 6 weeks because of there lack for any regard to my health or not being able to work, not having no income, not having a house is a huge deal after a major XXXX coming up. I just want everybody to know about how awful HOMELOAN SERV is. I am just so sad that they don't care. I am reporting them to the Federal Government since I have a HUD house. I will report them to the XXXX.

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