Consumer complaint received 2019-07-17
Company: TOWNE MORTGAGE COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We purchased are home with the help of XXXX XXXX and XXXX XXXX my husband parents because our credit wasn't purchased ready XXXX for XXXX. We were paying our Mortgage on time every month form XXXX until Towne Mortgage raised our Mortgage to {$890.00} in XXXX. We had an agreement with Towne Mortgage to pay all bills included with the purchase of the home located at XXXX XXXX XXXX XXXX MI XXXX this agreement was made at the closing of the property in XXXX. Myself, husband XXXX XXXX Sr. and parents XXXX and XXXX XXXX. XXXX XXXX died in XXXX XXXX. Afterward Towne Mortgage then raised the price of our mortgage in XXXX of XXXX XXXX. 

Towne Mortgage sent out the escrow overpayment XX/XX/XXXX, in the amount of {$1600.00} dollars or more. We then sent in our payments as schedule for XXXX- ( XXXX ) and the payment for XXXX was sent back. I then called Towne Mortgage and was told our payment has gone up due to the escrow payment sent out XXXX XXXX fell behind sometimes in XXXX because Towne Mortgage refused to help her after the passing of XXXX XXXX. 

We were told because the mortgage wasn't in our name we had to do a modification it took Towne Mortgage two years to modify at which time they modified and done the purchased agreement at the same time. By this time the mortgage was passed due a year and several months. But the problem is Towne Mortgage stop sending out notices ' and for the next several months we waited, called and no response. Well I contacted a lawyer of which contacted Towne Mortgage and we work through the modification. But no on never knew the correct figures that were owed by the previous owners ' during the modification process. We were completely unaware of the procedures ' next thing we new our Mortgage purchased of the home went we were charged over XXXX dollars I believe. 

This is what I need your office to look at what was owed at that time, what did Towne Mortgage charged us and was the amounts correct form the time of purchased in XXXX until the previous owners fell behind in XXXX. As well as was it correct for Towne Mortgage to raise the mortgage to {$880.00} XX/XX/XXXX because an escrow check was sent out XX/XX/XXXX. Please check the dates to ensure they are correct. 
As well as is this legal for Towne Mortgage to have XXXX XXXX and myself XXXX XXXX to assume a mortgage instead to purchased property of which we were not behind on. When they refused to help XXXX XXXX after the death of her spouse XXXX XXXX she gave up on the property and wanted XXXX and I to take ownership of the property. But I know it was a better way of doing that of which XXXX and I was denied by Towne Mortgage to do so. 

Instead Towne Mortgage refused the purchased of XXXX and me taking over ownership in XXXX. And was told the only choice we had was to assume the mortgage of which the Mortgage Company took two years to do. Look at Towne Mortgage Records as we XXXX XXXXXXXX XXXX of which I called and file complaints numerous times but no one got the answers I requested. 

The Mortgage should have gone down by this time because we hadn't fallen behind. Then in XXXX my Social Security Income was cut in half. We paid our mortgage until we ran out of money. I called Towne Mortgage for three months and they stated " it was  nothing they could do to help us period at that time. I tried looking for resources to help pay our mortgage to no avail no help. I tried to get help form XXXX, Towne Mortgage XXXX and other resources when we fell behind in XXXX or XX/XX/XXXX. So XXXX XXXX, XXXX, I file for bankruptcy and I dismissed the bankruptcy when I received my Income taxes in XX/XX/XXXX. We then file for the modification in XX/XX/XXXX of which took additional several months from XX/XX/XXXX until XX/XX/XXXX. 

The Mortgage Company is now stated the mortgage raised form XXXX to XXXX of which is XXXX are these figures correct and was this unfair practicing because there are several different figures on are documents. And after all the on time payments From XX/XX/XXXX and XX/XX/XXXX Towne Mortgage did the escrow analysis the Modification together the escrow lowest was {$1500.00} and the projected balance was {$2700.00} my number is XXXX XXXX. Please can you help us to correct any problems that aren't accurate? 
XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief