Consumer complaint received 2018-06-22
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home caught on fire in XX/XX/XXXX, I had to be relocated under temporary housing, I had applied for a 6 month forbearance on the home which I received, there were payments that were misapplied on the home to past due payments and not the forbearance, when I tried to point out the fact that I did pay them nothing was done and instead of being able to go into a modification at this point they closed my account in the Loss mitigation department. I then applied for a Modification of the loan at this time there was not a foreclosure date or process started. The loan modification was submitted in XX/XX/XXXX, I emailed all of the documents required to them even though my previous documents were still valid, One of the representative kept insisting that I had to send my divorce documents even though the house was purchased after the divorce, they were asking for bank accounts for my contractor since there was money moving back and forth from the LOSS DRAFT and then they were trying to obtain bank statements from another party that loaned me some money that banked at the same bank as myself, I finally got this resolved and my file was submitted for a loss mitigation review for a modification, after 30 days I contacted the loss mitigation representative and was told there was no answer back and the my file was pending review, I waited a few more weeks and was told the same thing. then two months later I get a notice that a foreclosure sale date was set on the house. I called and complained and told them that under the CFPB guidelines that they could not while in review of a loss mitigation place a foreclosure sale date, so they postponed it I was informed to XX/XX/XXXX, I called them and told them that I needed to find out the status of my review they said there was no response this went on until XX/XX/XXXX when they finally they said I was approved. this was 7 months later, escrow fees and payments were adding up causing more damage. By this time I found out that I could actually reinstate my mortgage so I called to get a reinstatement letter but no one would help me they kept telling me at CHFA that I had to call foreclosure so I would leave them messages and would not get a call back. I spoke to a number of agents in the collections department who refused to have someone internally help me and they just kept passing me to foreclosure who did not respond, Today I actually called the foreclosure attorney at XXXX XXXX and found out that the foreclosure sale date in fact is not for XX/XX/XXXX but XX/XX/XXXX. I have been trying to reinstate my loan for over a month now and can not get anyone to assist me. Today the attorney told me I needed to file an intent to cure with the Public Trustee, this is for a full payoff not a reinstatement. I am not paying the loan in full I just want to bring the payments current. The attorney I spoke with said that she would put the numbers together for the reinstatement but that would take a few days. I am at risk of losing my home because of the mishandling for the loss mitigation review time and because they are refusing to get me a reinstatement quote.

Company response to consumer: Closed with explanation