Consumer complaint received 2018-07-27
Company: AMA Advisors, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job and started missing my mortgage payments. During the process of trying to repair my life, forclosure was filed against me. Before the foreclosure auction date that would have forced me out if my home with my children and no place to go, i was able to file bankruptcy to stop the foreclosure.

During the first week of the bankruptcy i was offered a new chance at a secure life but it would require me to relocate to Florida. Being willing to do so and not wanting a bankruptcy on my credit, i stopped the bankruptcy proceedings, while same time i was fortuante enough to find a buyer for my home, so im thinking WIN WIN for everyone involved.

My first action was to do a short sale so i contacted my mortgage company to start the procedure and thats when all the lies from them started. 

First, they agreed to settle for XXXX in the short sale but required the process to unfold as it was to do. During this time my buyer was ready to close within a few days and i shared that with my mortgage company. They assured me all would be ok and no problem, we would have this approved by closing date. 

Closing date came and i was told to ask my buyer to extend closing date for an extra week and once again, YES WE WILL GET YOU APPROVED BY THEN. After this went on and on and this one person who appeared to just enjoy delaying me time after time after time and demanding more paperwork after more paperwork after more paperwork ( most if it already submitted more than once! ) It came to be that my buyer decided to back out because of all the not organized procedure time and time again. Now my buyer was gone and all because i could not simply get a payoff letter from my mortgage company with the amount for payoff being what was agreed on. 

At that point i tried to speak to several people within the office that all promised the same thing ... XXXX '' CANT BELIEVE HE DID THAT TO YOU, DONT WORRY WE WILL GET THIS APPROVED FOR YOU SO YOU CAN MOVE FORWARD WITH YOUR LIFE. DONT WORRY ''! Now, after all of this back and forth work and talk to get to nothing resolved, i asked once again for the mortgage company to assist me. I told them WE AGREED TO SETTLE FOR XXXX BUT THEY FORCED MY BIYER AWAY, SO NOW, IM STILL REACHING OUT TO RESOLVE THIS AND TRY TO WALK AWAY WITH US ALL BEING AT LEAST CONTENT SO, WITH THE FEES AND INTEREST AND ALL ELSE THAT WAS ON THE CURRENT PAYOFF, IT WAS TO MUCH FOR MY BUYER TO EVEN CONSIDER BUT IF THEY WOULD SIMPLY WORK WITH AND TAKE SOME OF THE FEES OFF THE CURRENT PAYOFF, I COULD STILL MAKE THIS WORK AND HAVE THEIR MONEY IN 24 HOURS PAID FROM THE TIME OF ME RECEIVING THE PAYOFF LETTER, SO MY REQUEST WAS, YOU AGREED TO SETTLE FOR XXXX, YOU DELAYED PURPOSEFULLY AND FORCED MY BUYER TO BACK OUT, SO NOW THE PAYOFF IS XXXX, AND WHAT IM ASKING FOR IS TO SIMPLY GET MY PAYOFF FROM XXXX BACK TO AS CLOSE TO MY ORIGINAL PAYOFF OF XXXX AS POSSIBLE, AND ILL PAY THIS OFF IN 24 HOURS! 

AFTER ALL THE PROMISES YET ONCE AGAIN OF YES SURE WE CAN DO THAT, then next day NO WE WONT DO THAT, MY MANAGER SAID NO, and me speaking once again to an entirely new set of people all saying the same thing ... .YES WE WILL GET THAT DONE AND THE NEW PAYOFF LETTER TO YOU SHORTLY to now, NO, WE ARE KEEPING THE PAYOFF AT XXXX. 

Im at the point of nervous breakdown and all of this appears to simply be due to someone sitting at a desk playing with my life, and i have proof if all said, and its just not fair. 

So many complaints against this company after i finally looked to see what others said about them and now i feel trapped with no way out.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation