Consumer complaint received 2018-01-03
Company: STONEGATE MORTGAGE CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
OnXX/XX/XXXX I submitted a complaint ( case # XXXX ) against Stonegate Mortgage ( now known as XXXX XXXX XXXX ). In response to that complaint, XXXX XXXX XXXX stated ' I am working internally to ensure proper training is facilitated to our call center associates so that we may prevent this error in the future. '' I am writing this complaint to make it known that XXXX XXXX XXXX has become more deceitful in their practices. They breached the contract entered into XX/XX/XXXX by failing to issue a modification after I made the 3 trial payments and refused to acknowledge the date of our contract. 

On XX/XX/XXXX, XXXX XXXX XXXX sent a servicer who went into my backyard and had my XXXX year old daughter signed court papers. The servicer told her that the bank was going to take her house away. My daughter was very disturbed by that. With tears in her eyes, she asked me over and over again if that was true. My daughter had been through a lot of turmoil beginning with my divorce which forced us to relocate, an absentee father and my battle with XXXX and several related XX/XX/XXXX ; last one on XX/XX/XXXX. She had been in XXXX XXXX but now attends regular classes and was doing well until a stranger told her that she was loosing her home. Does XXXX XXXX XXXX have the right to threaten a child with loss of her home? 

While trying to obtain a second modification, I was told by XXXX XXXX XXXX ( XXXX ) that my time to send additional papers had expired, which was a falsehood. XXXX XXXX XXXX ( XXXX ) contacted me on XX/XX/XXXX and informed me that my second attempt at modification was denied due to reasons that I was delinquent on the first one within 60 days. This was also a lie because I made 7 consecutive on-time payments and they defaulted on the contract. She proceeded to tell me that my house would be put for sale within 15 days which was a lie. I ended up in the ER after that phone call. XXXX contacted me a few days later and stated '' do n't bother filing for an appeal because our decision is final, '' which was also a lie since I have the right to file an appeal. 

Thereafter, they constantly called and harassed me at all hours of the day even when I was at work. Many times I was with a hospice patients. Doing my job demand that I have my cell phone on me. It was disturbing so I started making notations. For example, they called me on XX/XX/XXXXat XXXX XXXX  and on XX/XX/XXXX at XXXX XXXX. Each time I picked up, the person on the other line hung up the phone. OnXX/XX/XXXX at XXXX XXXXXX/XX/XXXX, they called me and when I answered the phone, it was a voicemail. OnXX/XX/XXXXhey called me at XXXX but when I did not answer in fear that they would hang up on me. OnXX/XX/XXXX, they called me and when I answered the phone, again no answer. As I am writing this letter today,XX/XX/XXXX at XXXX XXXX, they called me but I was too afraid to answer the phone. 

I understand that XXXX XXXX XXXX has the right to contact me by phone but do they have the right to harass me? I now live in fear of answering the phone when I see their number.

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