Consumer complaint received 2019-03-06
Company: Gitsit Solutions, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, Our original servicer had been XXXX. We were asked to submit a modification package and we did that in XXXX of XXXX. After I sent the package off I called to make sure they had a complete package. I was told had that time that our package was indeed complete and we would get there decision in writing. We waited and called asking what the status was and each time we were told it was still in underwriting. XX/XX/XXXX someone came to our home and posted foreclosure papers. We were shocked since we were still awaiting a decision from XXXX. We called XXXX at that time and asked them about our modification package. We weren't really given any explanation. It was almost like they knew that someone had dropped the ball and they didn't know what to say. A woman by the name of XXXX called us late XXXX around XXXX XXXX and asked if we could re submit payroll and they were going to try to figure something out. We resubmitted payroll stubs we waited. we got a letter denying our modification for reasons that did not make sense. They said that we did not see our hardship ending anytime soon and that was not true.My husband was working we wanted to pay our mortgage. We submitted an appeal and we were waiting to hear back from XXXX and they sold our loan to XXXX XXXX at the end of XX/XX/XXXX. We immediately called XXXX XXXX asking what we needed to do. We were told to submit another complete package. We did that and we waited on the 30th day we got a letter stating that they sold our loan to Kondaur Capital. We call Kondaur Capital immediately. We were told for one entire month that our file had not transferred over completely. Once they got our entire file we asked what we should do. They told us to submit of modification package.We have had sale dates on our home since XXXX of XXXX. We have had to file bankruptcy to stop the sales. Our house had a sell date just last week we began calling Kondaur leaving messages and emails our representative XXXX XXXX would not call us back.Finally my husband called Kondaurs main number and told them he wasn't going to hang up until someone could tell him what the status of our loan modification was. our house was up for auction the next day.XXXX finally got on phone he said he been busy. When we asked about our modification he said that they had decided the night before not to approve it. That was on XX/XX/XXXX today is XX/XX/XXXX and we still have not been sent anything with why we were denied. We went and filed a skeletal chapter XXXX to stop sale. This is crazy. We want to pay our mortgage. My husband is back working making more than enough to pay. Why wont they give us the chance. Wont it cost them more to care for home and then have to sale it. We will continue to fight. We understand we are at fault but we have been trying to rectify this situation for several years now. The longer it takes the more behind we get.Please we just want someone to listen to us.This has been our home for 18 years we want to pay for it.

Company response to consumer: Closed with explanation