Consumer complaint received 2018-10-23
Company: CountryPlace Acceptance Corporation
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is actually a very complicated complaint with a long list since I only just recently learned about this. I have had nothing but issues from the company and have since been kicked out of my home wrongfully and need help to try to get back in it. I would really prefer to talk with someone as the list is very long. I will briefly describe here. 
It really truly started when getting the loan in XX/XX/XXXX. I was told we would be in by XXXX, then it became XXXX, then XXXX. I barely got into it right before XXXX. I had over 10 % down and was told I wouldn't have PMI insurance. The company said oh we still charge it for the first five years. During parts of the loan financial issues were experienced and I asked to look at a refinance and was told we wont help and no one will. I also told them one time when a payment was a few days late that I could pay 1/3 of the payment that day but wouldn't be able to pay the remaining amount until the end of the week. They wouldn't take my payment saying that wont do anything. I started not receiving monthly bills instead received them maybe every couple months. Fast forwarding to XX/XX/XXXX, I sent a payment and realized after it was mailed that my bank account had been hacked. I called them explaining what happened and asked if they could hold the check. They started that they had not received the check and they couldn't hold it. Before I could get it cancelled with my bank, they cashed it and received payment but had my account severely over drafted. I during this year received foreclosure paperwork stating that i was six months behind which i knew wasn't true because i had recently switched jobs and cashed in retirement to fill in any down period of money flow. I paid them the amount that they were claiming and never saw anything on my bill about foreclosure fees which were totaling XXXX. I continue to make payments and inXX/XX/XXXX receive further foreclosure papers stating that I was once again six months behind. This again was not true. I had receipts to back it up. I explained this and they said well we never received it. So I pay them what they are claiming is owed. I emailed them asking if I could work out lawyer fees since all of a sudden the old ones appear on a bill that I received in my sporadic Bill 's being mailed. I was told absolutely. When trying to work out something they refused to do it saying that they wouldn't. I would email them so that I would have proof of conversations and all of a sudden during this they no longer communicate through emails. They refused to accept my payments once I tried tonwork out lawyer fees with them and claim that that's not what they said. Their documentation of conversations has proven to be very sketchy at best. During the loan, I would get calls from them but it was for a completely different person. I'm not n.j sure if they were applying my payments to this person or what. They also let my house insurance lapse and I had to find new insurance. So in the not accepting payments, they bought the home in foreclosure and evicted me when they refused to accept my payment. I tried to find a lawyer during all of this. Every lawyer said this is a case and a complicated one but no one would take it. After they bought the house, I knew nothing of it and qould still receive spontaneous bills up until XX/XX/XXXX when they informed me that they had bought it and were evicting me. I asked them what it would cost to stop this since they haven't wanted to work with me at all. They tell me two days before I was supposed to be out a price and expect it to be there the next day. Which of course was insane so they kicked me out. There is more that I just am not thinking of right now. They have also gone through and change reports that are as far back as two years old on my credit trying to make it look bad in me. They, at one pontx correctly reported the payments that they claimed I hadn't made and changed them later to look like I didn't make them. They are also still filing against my credit after they evicted me saying that I'm over 150 days behind on payments, XX/XX/XXXX currently shows me as being 150 days late. They are doing some extremely crooked and fishy things that need to be stopped. This has apparently happened to others as well looking at this site.

Company response to consumer: Closed with explanation