Consumer complaint received 2019-02-17
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I put in for Loss mitigation XX/XX/2017 because my foreclosure was dismissed because Navy Fed did not send my cashiers check to XXXX for {$1700.00}. I was not told at that time my prop and he went into foreclosure in XXXX my And bankruptcy was dismissed in XXXX I had to file for Bankruptcy because my previous Loss mitigation was denied Because I did send in Information regarding my health insurance however at the time I had to send in a years statements from my bank accounts which the fridge drawer from my Health Insurance was on the bank statement information regarding my health insurance however at the time I had to send in a years statements from my bank accounts which the fridge drawer from my health insurance was on the bank statement. I called and called complaining they went back to my case and then told me it was the night again because the property was empty however they have a lease on file from my renters I recently spoke with XXXX who was handling that case and told me that she personally called the branch and was told that someone called me and I told them the property was empty this never happened and they have a lease on file so why would I say the property was empty I recently spoke with XXXX who was handling that case and told me that she personally called the branch and was told that someone called me and I told them the property was empty this never happened and they had a lease on file so why would I say the property was empty Most importantly Navy Fed does not require anything regarding health insurance for a lost mitigation case so I had to file for bankruptcy to say my Property for the wrong reasons property for the wrong reasons My new last medication case was dismissed because I was told my hardship letter did not prove my hardship The letter stated I was recently divorced and out of work that usually is considered a hardship however I was told that was not a hardship They got my monthly income from the VA which was about {$1000.00} a month I forgot to tell them about my retirement check but since they had six months of my bank statements if they read the bank statements they wouldve seen that money and on the application it asked how much money I have on hand and how much money I have in the bank at the time I had about {$5000.00} in the bank so I dont know why theyre saying that I didnt have enough money to follow through with the last medication they got my monthly income from the VA which was about {$1000.00} a month I forgot to tell them about my retirement check but since they had six months of my bank statements if they read the bank statements they wouldve seen that money and on the application it asked how much money I have on hand and how much money I have in the bank at the time I had about {$5000.00} in the bank so I dont know why theyre saying that I didnt have enough money to follow through with the last mitigation Then I was so that the property was in foreclosure for too long and it didnt allow a quick sale then I was so that the property was in foreclosure for too long and it didnt allow a quick sale I was not told the property was in foreclosure until XXXX I call their lawyer and spoke with them and was told all the for closure information by law had to go to the rental property I asked where they aware that I did not live there I was told they sent out a letter to me which I never received and then they sent out another certified letter which I did receive in XXXX notifying me of the foreclosure I was not told the property was in foreclosure until XXXX I called their lawyer and spoke with them and was told all the foreclosure information by law had to go to the rental property I asked where they aware that I did not live there I was told they sent out a letter to me which I never received and then they sent out another certified letter which I did receive in XXXX notifying me of the foreclosure. So they told me the only time they legitimately got a letter to me regarding the for closure was XXXX In the letter that I got telling me that I was denied I received the letter was dated XX/XX/2017 Its stated in the letter that if I paid the back payments by XX/XX/XXXX the foreclosure would be stopped its stated in the letter that if I paid the back payments by XX/XX/XXXX the foreclosure would be stopped however I did not receive the letter till XX/XX/XXXX and the property was sold at XXXX XXXX XX/XX/XXXX In that letter it also stated that I could appeal if I was not happy with the decision and I had to send a letter by XX/XX/2017 and I was told my XXXX to bring the letter to her to ensure the letter was processed and I did. To this day I have heard nothing. What they were going to do was a question because I got the letter to late to do anything and Im sure they knew the sell date so was the date to Appeal after the sale that. I asked why wasnt the letter sent certified so much sure I would give it in a timely matter and was told last medication doesnt do that in my mind last mitigation should be doing something to make sure that their letters are received in a timely matter when they are time sensitive and this was not done so they sold my property and I could not do anything about it

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