Consumer complaint received 2018-02-20
Company: CIT BANK, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My current mortgage company CIT Bank N.A.  scheduled a foreclosure sale of my property on XX/XX/XXXX. My servicer skipped several mandatory steps before to move forward on the foreclosure procedure ; with only five months behind, they will foreclosure my home. 
Cit trustee 's attorneys didn't provide information requested on my response to their Deb & Mortgage Validation Letter submitted on XX/XX/XXXX ; moreover, CIT moved forward with this foreclosure even before they accomplished their own 30 days allows to me to respond to their debt validation letter ( DVL letter received on XX/XX/XXXX ). 

The facts for my request for a loan modification submitted using Hope Loan Port ( case number available by request ) are : - Property is my Primary Residence and only one property. 
- The main reason for my hardship was the continuous disagreements that begun to arose with my husband, and unfortunately continue escalating until XX/XX/XXXX, the date that he decided to move out of our marital home and left me responsible for all home expenses, including mortgages. Since that day, I was trying to make my best effort to keep all accounts currents ; in few months I exhausted all my savings, income, even valuable stuff that I sold for less than the real value just to continue paying my mortgage on time. Unfortunately, in XX/XX/XXXX, I couldnt continue, and I fall behind with my financial obligations. 
- As result of this situation, I also fell into a deep XXXX, a condition that worse my financial situation because I was unable to work for some days. 
- Since XX/XX/XXXX I began receiving financial counseling from XXXX, a local non-profit organization ; with them, I was able to create a budgeting plan and prepare this present request to save my home. 
- As an agreement with husband ( now separated ), he will continue paying the two car loans listed on  my credit report. Also, currently, I am working with XXXX  in a plan to address all my unsecured debt balances. 
- My second mortgage is in the process to being transfer from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX ; I hope that after obtaining a reasonable workout with CIT Bank, I can move forward a negotiate some agreement that allows me to continue paying this second mortgage too. 
- For now, my emotional health and finances are getting better, I move forward in my life, and I want to keep my home. I made during last weeks so many cuts in unnecessary expenses ; now I am confident that I will do it by myself, just I need my mortgage company understanding and common sense to avoid one more foreclosure on our community. 
- A complete package was submitted to CIT and is waiting for a review and a response, this package included ; Bank statements, pay stubs, hardship affidavit, XXXX, XXXX, Third party authorization, taxes XX/XX/XXXX, taxes XX/XX/XXXX, Driver license, utility bill, HOA statement, affidavit for no car loan payments listed on my CR. affidavit of counseling received to handle unsecured debts and second mortgage.

Company response to consumer: Closed with explanation