Consumer complaint received 2022-06-04
Company: Southwest Stage Funding
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My Loan Number is XXXX My Name is XXXX XXXX I have had my mortgage sense XXXX XXXX XXXX years on a XXXX Fix rate mortgage loan as of now XX/XX/XXXX. XXXX XXXX XXXX took over my mortgage sometime between XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX. XXXX XXXX took over my mortgage from XXXX XXXX XXXX. XXXX XXXX XXXX took over my mortgage from XXXX XXXX. When XXXX XXXX took over my mortgage they were supposed to let me know they took over my mortgage from XXXX XXXX within 15 days after the effective date of transfer. Instead of getting the notice from the servicerXXXX XXXX XXXX XXXX that they took over my mortgage, I got XXXX monthly statements at one time in XX/XX/XXXX. Mortgage statements, XXXX, XXXX XXXX, and XX/XX/XXXX. That's how I found out that XXXX XXXX was my mortgage company. Along with a letter from XXXX XXXX XXXX XXXX XXXX saying, to make things easier for you dealing with your loan he was my personal contact. I call him right away because I was now behind on my mortgage cause of not knowing who my mortgage company was until months later. Instead of working with me to get caught back up over XXXX mistake, XXXX XXXX start threatened me with foreclosure if I didn't come up with XXXX. I try to get XXXX to work with me, but he assists that i must have the whole XXXX. I told him i can send XXXX and since it was not my fault if he would do a deferment on the rest of the remaining balance of XXXX and get me back current on my mortgage. XXXX finally agreed and gave me one week starting on Monday XX/XX/XXXX through XX/XX/XXXX. And when I went to send the XXXX of the XXXX on XX/XX/XXXX, on a Friday like we agreed on, it told me that I had an invalid account number not accepting the XXXX XXXX. I call XXXX XXXX to find out what the problem was with my account number saying it was invalid. XXXX XXXX broke the arraignment and put my mortgage on Foreclosure XXXX days before the date of the arrangement on XXXX XXXX. XXXX XXXX never even try to help me out. He just constantly threatened to Foreclosure on meXXXX XXXX and XXXX to me. Soon after I was told that XXXX XXXX no longer worked for XXXX XXXX. 



Second attempt to get my mortgage current. XX/XX/XXXX, I talk with XXXX XXXX a manager from XXXX XXXX. XXXX XXXX and I made arrangement for me to start making my mortage payments in the amount of XXXX a month for 6 months starting XX/XX/XXXX. Knowing XXXX was a lot on me to pay that amount every month for 6 months I agree to it because I was trying to get all of this behind me. I call XXXX XXXX back a couple of days before the XXXX of XX/XX/XXXX to speak with XXXX XXXX. Instead of talking to XXXX XXXX I talked to a lady name XXXX. XXXX got on the phone and told me XXXX XXXX no longer works for XXXX XXXX. I ask XXXX if XXXX was going to stand by the arrangement that XXXX XXXX and I agree to. She was rude and didn't do anything but fussed at me and told me she was not standing by the arrangement we had and threaten to foreclose on me if I didn't come up with XXXX dollars. Now for the second time XXXX XXXX has broken the arrangement on helping me to bring my mortgage current over something XXXX created for me getting further behind. At this point I'm starting to believe that XXXX XXXX only wanted to take my home and land from meXXXX XXXX due to them backing out of XXXX arrangements that we had. What kind of mortage company backs out of arrangement on two different agreements? Now because XXXX XXXX backing out of arrangements and NOT sending me the notice about XXXX XXXX taking over my mortgage. And due to XXXX XXXX refusing to take any payments from me/XXXX  XXXX XXXX and according to the statement i have gotten from XXXX XXXX , they claimed my balance due is XXXX as of today XX/XX/XXXX. This balance is not right, and I ask XXXX XXXX Supervisor in XXXX of XXXX if he could send me how they got that balance on my statements, and he said he would. I never heard back from him as of today XX/XX/XXXX. Also XXXX XXXX sent me a payoff amount of XXXX and it also is not correct. On XX/XX/XXXX my pay off amount was XXXX, XXXX years ago when my mortgage company at the time was XXXX XXXX XXXX. On XX/XX/XXXX, the payoff was XXXX. And now XXXX XXXX is saying my payoff is XXXX. They're now saying I was charged XXXX in deferred. They're saying I was charged XXXX in fees that I have no idea what they're talking about. They're saying between XX/XX/XXXX, and up to today I was charged XXXX in interest. All the payment of XXXX that I have made for 20 years, and my payoff amount goes up instead of down in XXXX. I have all my documents, paperwork, receipts, from the sign agreement contract since the first day of signing my contract on XX/XX/XXXX, up to today XX/XX/XXXX. My Balance is not right. And my Payoff is not right. I need to know how is XXXX XXXXXXXX XXXX getting these balances and payoffs? XXXX XXXX claim they sent a transfer of notice to me, but I never received a notice of transfer from XXXX XXXX. 



I sign my mortgage contract at a fixed interest rate an unchanging rate during entire term of the loan on XX/XX/XXXX. I received monthly statement from XXXX XXXX on XX/XX/XXXX for the month statement for XX/XX/XXXX mortgage payment that says ( UNAPPLIED FUNDS BALANCE ) of XXXX. Then I received my monthly statement on XX/XX/XXXX for the month statement for XX/XX/XXXX mortgage payment that says ( UNAVAILABLE PAYMENT AMOUNT ). Then i received my monthly statement on XX/XX/XXXX for the month statement for XX/XX/XXXX mortgage payment that says payment amount XXXX. I made a payment in the amount of XXXX for the month of XX/XX/XXXX. My balance goes from XXXX in the month of XX/XX/XXXX to XXXX in the month of XX/XX/XXXX when my monthly payments are XXXX? That's a jump of XXXX from XX/XX/XXXX to XX/XX/XXXX. I don't understand what's going on with those statements, doesn't make no sense? And since Shortly sometime after those dates XXXX XXXX took over my Mortgage ( I'M ASSUMING ). I need to know what happen to the payments I made for those months. I have copies where I have made them? I'm not sure because I never received a transfer notice from XXXX XXXX. 



I have gone through my statements I have received from XXXX XXXX since XX/XX/XXXX when I got four monthly statements at one time from XXXX XXXX. And from statement dated XX/XX/XXXX to the next statement dated XX/XX/XXXX XXXX XXXX had my monthly payment at XXXX. The monthly statement from XX/XX/XXXX to the next statement dated XX/XX/XXXX XXXX XXXX had my monthly payment being XXXX. The monthly statement from XX/XX/XXXX to the next statement dated XX/XX/XXXX XXXX XXXX had my monthly payment at XXXX. Every monthly statement from those dates up to today XXXX XXXX have been different like a variable-rate, when my mortgage contract is a fixed-rate contract at XXXX a month. It seems that XXXX XXXX violation and broke the binding agreement of my mortgage contract. 



I also had home insurance on my home in the year XXXX and XXXX. I sent the declaration page to XXXX XXXX for those years and XXXX XXXX still added their own home insurance charging me and adding it to my mortgage payments. 



On XX/XX/XXXX, I got a HUD Housing Counselor from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX to help me try to get my Mortgage back on track with XXXX XXXX XXXX XXXX and I spoke about XXXX sending out loan modification to me in XX/XX/XXXX. XXXX said he would, but he never did. XXXX then said he sent loan modification out to me XXXX different times on XX/XX/XXXX, but he never did. And then XXXX told me that he did a loan modification on me and said I didn't qualify and said it was because my work situation has not changed. XXXX just flat out lie to me ; he never got any information from me to do a loan modification when he said he did a modification on me. He just kept lying to me and pretend he done a loan modification on me when he never did. XXXX treated me like I was ignorant and disrespected my intelligence by consistently lying to me. I got him recorded and XXXX XXXX got it recorded as well if you need to listen to the conversation. XXXX talks to me on XX/XX/XXXX, after XXXX no longer worked there. XXXX wouldn't give me her last name for some reason and told me that my type of loan didn't do loan modification. So right there it tells you that XXXX didn't know what he was doing when he told me he sent four loan modification out to me. And also saying he did one on me. He just kept lying and postponing helping me/XXXX  XXXX getting back on track with my mortgage. I'm assuming because XXXX XXXX just wanted to take my home from me and didn't even try to help me out. At this time, I file a complaint out on XXXX XXXX with the Federal Trade Commission on XX/XX/XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX told meXXXX XXXX and XXXX HUD Counselors XXXX XXXX and XXXX XXXX that the owner that own my loan didn't do loan modification on my type of loan ( Whatever that means ). But when Federal Trade Commission got involved and investigate XXXX XXXX. Then XXXX XXXX email my XXXX XXXX XXXX and said that now they are going to do loan Modification on meXXXX XXXX XXXX XXXX XXXX also told the Federal Trade Commission that they are going to do a loan modification on meXXXX XXXX XXXX XXXX XXXX lies to me again about the owner of my loan not doing loan modification when clearly, they did. Again, XXXX XXXX didn't even try to help me get back on track he just kept lying to me as well. And once again I'm assuming XXXX XXXX just wanted to take my home from me. I called XXXX XXXX on XXXX XXXX and I talk to Manager XXXX XXXX, and he tells me that I can fax my documents to them without even having a loan modification package sent to me. Once again not wanting to send meXXXX XXXX the loan modification package to me. XXXX XXXX responded XXXX Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Mortgage STATUS Company responded on XX/XX/XXXX Company 's Response XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX Loan Number : XXXX Dear XXXX XXXX : This letter is in response to your correspondence received on XX/XX/XXXX, concerning the above-referenced loan. Upon further review of your loan, XXXX XXXX has placed the foreclosure proceedings on hold pending the outcome of the LOSS MITIGATION process. XXXX XXXX have sent out a loan workout package to offer you available options for your current situation and get you back on track with your loan repayment. Please thoroughly go through the package and return all requested documents within a timely manner to enable us to assist you in this time of need. If you have any further questions, please contact our Customer Service Department at ( XXXX ) XXXX, Monday Friday, XXXX XXXXXXXX XXXX XXXX XXXX. XXXX. Sincerely, XXXX XXXX XXXX. My HUD Housing Counselor XXXX XXXX forward the loan modification and all the documents on the XXXX of XX/XX/XXXX to XXXX XXXX. I waited on XXXX XXXX to let me know about the status of the loan modification and never heard anything back from XXXX XXXX. So, I started calling XXXX XXXX to find out the status of the loan modification and was told XXXX XXXX was still working on it. I have record phone history showing meXXXX XXXX calling XXXX XXXX XXXX XX/XX/XXXX, through XX/XX/XXXX, about the loan modification. XX/XX/XXXX, XXXX XXXX sent me a letter telling me that XXXX signed her to be my personal loan counselor. ( I GOT RECORED CONVERSATION ) between me/XXXX  XXXX and XXXX XXXX where she calls me on XX/XX/XXXX, not to tell me about the loan modification but to ask me about what I was going to do about catching up my mortgage. I ask her what about the loan modification that XXXX XXXX was doing on me. XXXX XXXX didn't even know anything about the loan modification and then put me on hold and when she came back on the phone, XXXX XXXX told me the same thing XXXX and XXXX XXXX told me on XX/XX/XXXX, that the owner of my loan didn't do loan modification on my type of loan. Then after we talked some more, she put me on hold again and came back on the phone and told me she was sorry that she made mistake that XXXX XXXX told her to tell me that XXXX XXXX was still doing a loan modification on me/XXXX  XXXX XXXX I called XXXX XXXX in XXXX and talked to a XXXX, she told me during the conversation, that ( I HAVE RECORDED ) of her telling me/XXXX XXXX , that XXXX XXXX didn't normally do loan modification on my type of loan. I ask her if XXXX XXXX didn't do loan modification on my type of loan, then why did XXXX XXXX send me two loan modification packages. ( I HAVE THAT RECORDED CONVERSATION ). I had another conversation with an employee name XXXX from XXXX XXXX in XXXX that ( I DO HAVE RECORDED ) where she told me that XXXX XXXX was aware of meXXXX XXXX was needing to talk with him because she told him. ( I HAVE A RECORDED CONVERSATION ) where XXXX telling me that I have a copy of the loan modification that was done on me. I have never received any copy of any loan modification showing me/XXXX XXXXr as of today XX/XX/XXXX the outcome of the loan modification/LOSS MITIGATION. Because the loan modification was ( NEVER DONE ON MEXXXX XXXX XXXX XXXX ( I HAVE RECORDED PHONE CONVERSTION ) from XXXX XXXX on XX/XX/XXXX after a year of meXXXX XXXX and my HUD Housing Counselor XXXX XXXX forward the loan modification package and all the documents back to XXXX XXXX that was requested. Conversation from an employee that works for XXXX XXXX  giving meXXXX XXXX a message from XXXX XXXX telling me the same thing XXXX XXXX told me before he sent me/XXXX XXXXXXXX, the loan modification/LOSS MITIGATION package on XX/XX/XXXX. That the owner that own my loan didn't do loan modification. XXXX XXXX sent out two load modification/LOSS MITIGATION package out to meXXXX XXXX that he had ( NO PLAN WHATSOEVER ) of doing the load modification/LOSS MITIGATION on me. XXXX XXXX was only covering, protecting himself ( FROM LYING TO THE FEDERAL TRADE COMMISSION ) when he told them he has sent out a loan workout package to offer you available options for your current situation and get you back on track with your loan repayment. Once again just flat out lied to meXXXX XXXX again . But this time he just didn't lie to me, he lied to the Federal Trade Commission about the loan modification. XXXX XXXX was never planning on doing a loan modification on me/XXXX  XXXX XXXX XXXX XXXX was just covering his self from the Federal Trade Commission when he sent the LOSS MITIGATION out to meXXXX XXXX. 

AFTER I SENT THIS COMPLAINT LETTER ON XX/XX/XXXX, TO XXXX XXXX, INSTEAD OF XXXX  GETTING BACK IN TOUCH WITH ME AND STRAIGHTENING OUT MY MORGAGE OVER THEIR MISTAKE THEY GOT XXXX & XXXX XXXX, XXXX TO BE A DEBT COLLECTOR TRYING TO COLLECT A DEBT. 

I HAVE ASK XXXX XXXX XXXX XXXX XXXX SEVERAL TIMES TO CONTACT ME SINCE XXXX ABOUT MY COMPLAINT AND HE HAS NOT DONE SO AS OF TODAY XX/XX/XXXX WELL OVER THE 15 TO 30 DAYS WITH THE CONSUMER BY LAW. 

I TALKED TO XXXX XXXX LOAN COUNSELOR IN XXXX AND XXXX WAS SUPPOSED TO GET WITH XXXX XXXX AND THEN GET BACK WITH ME ON MY MORTGAGE SITUATION BUT I NEVER HEARD BACK FROM XXXX XXXX AS OF TODAY XX/XX/XXXX. AND I HAVE LEFT MESSAGES FOR XXXX TO RETURN MY PHONE CALLS BUT HAS NOT DONE SO. 

I HAVE HAD XXXXXXXX XXXX AS A LOAN Counselor AND NO RETURN PHONE CALLS. 

I HAVE HAD XXXX XXXX AS A LOAN COUNSELOR THAT DIDN'T HAVE NO IDEA WHAT WAS GOING ON WITH MY MOETGAGE LOAN. 

I HAVE HAD XXXX XXXX AS A LOAN COUNSELOR THAT DIDN'T DO NOTHING BUT LIE TO ME CONSTANTLY AND THREATENING ME CONSTANTLY NOT EVEN TRYING TO FIX THE SITUATION WITH MY MORTGAGE LOAN. 



I'M NOT PLANNING ON LEAVING MY HOME WHATSOEVER AFTER I HAVE PUT A LOT OF MONEY AND WORK IN ON MY PLACE. I'M NOT JUST GOING TO LOSE MY HOME OVER XXXX XXXX MAKING MISTAKES THAT GOT MEXXXX XXXX BEHIND IN THE FIRST PLACE THAT HAD NOTHING TO DO WITH ME/XXXX XXXXXXXX. I HOPE THAT SOMETHING CAN GET WORKED OUT SO I CAN STOP GOING THROUGH UNNECESSARY STRESS OVER MY MORTGAGE LOAN THAT I CAN DEFINITELY MAKE MY PAYMENTS EVERY MONTH FOR. I MAKE PLENTY OF MONEY A MONTH TO AFFORD MY MORTGAGE. IF I CAN'T GET SOMETHING WORKED OUT, I WILL HAVE NO CHOICE BUT TO TAKE LEGAL ACTION. HOPEFULLY IT WON'T COME TO THAT. I JUST WANT TO MAKE MY MORTGAGE PAYMENTS EVERY MONTH WITH OUT BEING WORRIED ABOUT LOSING MY HOME. 



I HAVE DOCUMENT, RECORDED PHONE CALL, EVIDENTS OF EVER PAY RECEIPT PAY ON MY MORTGAGE, EVIDENTS OF THE TRUE MORTGAGE BALANCE, EVIDENTS OF TRUE PAYOFF BALANCE, EVIDENTS OF PHONE CALLS HISTORY WHERE I CALL XXXX XXXX SEVERAL TIME EVERY MONTH FROM XX/XX/XXXX UP TO TODAY XX/XX/XXXX TO TALK TO XXXX XXXX AND XXXX XXXX TOLD THE PERSON THAT I WAS TALKLING TO, TO TELL ME/XXXX XXXX XXXX XXXX XXXX WAS ALWAYS IN A MEETING. I LEAVE A MESSAGE FOR XXXX XXXX TO CALL ME BACK AND XXXX XXXX WOULD NEVER CALL ME BACK AND HAS NOT EVER CALL ME BACK NOT ONE TIME DURING XX/XX/XXXX UP TILL TODAY XX/XX/XXXX. I GOT EVIDENTS WHERE XXXX XXXX TOLD ME BEFORE XX/XX/XXXX THAT HE DIDN'T HAVE AN EXTENSION NUMBER FOR MEXXXX XXXX XXXX WHENEVER I CALL TO TALK TO XXXX XXXX TO TELL WHO EVER I WAS TALKING TO FOR THEM TO EMAIL XXXX XXXX THAT I NEEDED HIM TO CALL ME BACK AND HE WOULD CALL ME BACK. BUT XXXX XXXX WOULD NEVER CALL ME BACK. XXXX XXXX NEVER GAVE MEXXXX XXXX XXXXIS EXTENSTION NUMBER, I FINALLY GOT XXXX XXXX EXTENSION NUMBER THROUGH ONE OF XXXX XXXX EMPLOYEE ( XXXX ). XXXX XXXX CALL ME ONLY FOUR TIMES IN THAT SAME YEAR AND A HALF BUT STILL REFUSED TO FIX THE PROBLEM THAT XXXXXXXX XXXX CREATED, EVIDENTS OF XXXX XXXX BREAKING TWO DIFFERENT PAYMENT ARRANGEMENT WITH MEXXXX XXXX ON BRINGING MY MORTGAGE CURRENT. XXXX XXXX HAS MESSED UP MY CREDIT ( UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) ( 15 U.S.C. 1681 AND FOLLOWING ). CREDIT REPORTING AGENCY FOR NEGLIGENT OR WILLFUL NONCOMPLIANCE WITH THE LAW WITHIN TWO YEARS AFTER YOU DISCOVER THE HARMFUL BEHAVIOR OR WITHIN FIVE YEARS AFTER THE HARMFUL BEHAVIOR OCCURS, WHICHEVER IS SOONER. I JUST WANTED TO GET MY MORTGAGE BACK ON TRACK SO I COULD START PAYING MY REGULAR MORTGAGE PAYMENTS IN THE FIX RATE AMOUNT OF XXXX BUT XXXX XXXX REFUSED TO FIX WHAT XXXX XXXX CREATED BY MESSING UP MY MORTAGE LOAN. MY MORTGAGE SHOULDN'T BE IN THE SHAPE IT IS IN AS OF TODAY XX/XX/XXXX. IF XXXX XXXX WOULD HAVE STUCK TO THE FIRST ARRANGEMENT THAT ME/XXXX XXXXXXXX AND XXXX XXXX AGREED TO BACK IN XXXX THE XXXX XXXX, MY MORTGAGE WOULD BE CAUGHT UP AND WOULDN'T HAVE SNOWBALL INTO THE SITUATION IT IS IN AS OF TODAY XX/XX/XXXX. THEY ONLY WANT TO TAKE MY HOME FROM ME. I WILL SEND THIS SAME COMPLAINT LETTER TO THE PRESIDENT AND Co-Founder of XXXX XXXX XXXX XXXX XXXX, AND AFFILIATE OF XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE FEDERAL TRADE COMMISSION, HUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # ( XXXX ) XXXX PHONE # ( XXXX ) XXXX XXXX XXXX XXXX XXXX SOUTH CAROLINA XXXX

Company response to consumer: Closed with explanation