Consumer complaint received 2015-09-24
Company: CIT BANK, NATIONAL ASSOCIATION
State: MS
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mom passed in XX/XX/XXXX and we discovered that she 'd done a reverse mortgage on her home with Financial Freedom. After her passing we contacted them and started to try to get information on how to keep my moms home. From the first phone call we were told they needed to have someone that was authorized from the estate to talk to them. At that point we began sending documentations, XXXX form which they provided that indicated authorized person to speak to about my mother 's property. Every phone call after submission to them, they consistently demanding getting proof of this authorization. We mailed, faxed, and certified mailed them the necessary documentation and they NEVER acknowledged getting it. The steps that they did advise us to take, we did. When I say we, I mean, me, my sisters, and my brother ... we 've ALL been trying to deal with this situation with financial freedom. My sister even had her attorney try and help in this situation to know avail. Two months after my mom passed they sent us a package referencing foreclosure procedures. Still NEVER would Financial Freedom Speak to us. Once those papers came, my sister had her Banking Representative call Financial Freedom trying to get information on the debt to assist in the payoff..they would n't give him any information. Next, we get a letter with the date the house was going to be auctioned for sale! Still have n't spoken to anyone from financial freedom! Now we are in the midst of still trying to figure out how to and who to contact that the house has been foreclosed on and here 's what we got : '' You will need to contact XXXX XXXX XXXX, they have the loan '' XXXX XXXX XXXX says : '' Sorry we do n't have any information on that property. You may need to call One West Bank : Called One West Bank, they say : '' You need to call XXXX XXXX XXXX '' Now ... after this, we called the attorney office that was hired by One West Bank to try and get the information we need of who to contact to submit a bid to purchase the house. 
He emails a copy of the foreclosure papers to me that has a number to call. I call the number ... Its Financial Freedom. 
What does Financial Freedom say : '' We need a person authorized on this account to talk to ... 
It 's been six months of being tossed back and fourth from Financial Freedom to XXXX XXXX XXXX to One West Bank to CIT Bank, and now back to the people who will NOT talk to ANYONE. 
A representative at One West Bank advised me to contact you. He told me of situations where people property in 'reverse mortgage ' situations houses end up going to HUD and that if that happened, we probably would not know what was going on until the house had been sold to someone. 
ALL we want to do is keep our MOTHERS home. All we need is someone to tell us, who has the deed now to purchase the property from. We are running out of time. The foreclosure was done on XXXX XXXX, XXXX. We initially were told to wait two weeks before calling XXXX..now we 're going into three weeks and we do n't know who has the deed, or who and where to submit a bid to keep the home our mom literally sketched out and had her dream home build. Please help us before its too late. Financial Freedom is a Financial Nightmare! Six months talking to people and still no results! NEVER DO A REVERSE MORTGAGE!!!!!!! It 's not worth it!

Company response to consumer: Closed with explanation