Consumer complaint received 2017-06-28
Company: Altisource Portfolio Solutions, S.à r.l.
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Hello, After my husband 's death, I contacted the mortgage company to notify them and take on the mortgage payments, but the company refused to talk to me. I wrote them several letters, but they refused to talk to me each time. I consulted a lawyer and he said that I should just wait them out because the mortgage company should have handled the situation properly. I have waited eight years. The property has been maintained by me for the last eight years and now they are trying to take the property. Below is a summary of their actions and my actions : Their Actions : 1. In XX/XX/XXXX,  Altisource sent a contractor to preserve the property. The vendor 's name is XXXX XXXX XXXX XXXX XXXX XXXX. The vendor changed the locks without notifying us. The only way we found out was a neighbor saw him and thought he was breaking into the house ( which he did in my opinion ). 2. On XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX visited the property again. They left the house unsecured. The garage was open and the door to the house was wide open. ( Once again, I am thankful for my neighbors who alerted me about the garage door ). 3. Altisource will not provide any documentation or clear answers to myquestions. My last e-mail was XX/XX/XXXX. I have not received a response. 4. Also, I have several documents ( none from Altisource ). The documents do not make sense and I am not getting clear answers. I hope the documents help you understand all the other things that have happened since XX/XX/XXXX. My Actions : 1. I have written and called to inquire about the mortgage payments, debt collection, and " foreclosure ''. I have yet to receive a clear explanation of anything. Altisource will not provide any clear answers or documentation.
2. I called Altisource XX/XX/XXXX. They told me to call XXXX and XXXX told me to call Altisource. Recently when I called Altisource, they told me to call XXXX. I called XXXX. I talked with a phone representative at XXXX. They listened and said they would call me in two days. I have not heard from anyone. I have sent e-mails to Altisource and they respond sporadically. My recent e-mail was XX/XX/XXXX and I have not received a response. 3. I have contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are rude and will not properly identify themselves. They said they could not talk to me and that I had to call Altisource. Recently, someone named XXXX e-mailed me and wanted to meet at the house on XX/XX/XXXX because he was supposed to give me keys to the new locks he put on the door. I am elderly and I am not meeting someone that e-mails me and demands that I meet them at my house. 4. I have not abandoned this property and have preserved the property since XX/XX/XXXX.
5. I have maintained the lawn. The utilities are still on and operating. I still pay the electricity, water, sewage, and trash bills.
6. I have spent money on other repairs to the house since XX/XX/XXXX.
7. I have paid the taxes on the land.
8. I have paid house insurance since XX/XX/XXXX. The house insurance is up to date.
9. I have done everything that I know to settle this peacefully and legally, but I am getting no where. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation