Consumer complaint received 2016-03-12
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing because I feel I am not getting a fair chance to save my home from foreclosure. The servicer of my loan as of XXXX 2016 was XXXX XXXX XXXX. They informed me on XXXX/XXXX/16 that there was no scheduled sale date for my property. I was ready to submit a complete application for mortgage assistance to them at that time, but I was advised to wait to do so due to the fact that the servicing of my loan was being transferred to Roundpoint Mortgage Services Corporation and that waiting would not cause any issues since there was not a sale date scheduled. 
I was told when contacting Roundpoint that they would not have the file until XXXX/XXXX/16. Unfortunately, somewhere between XXXX/XXXX/16 and XXXX/XXXX/16 a sale date was issued for XXXX/XXXX/16. I submitted a complete application for mortgage assistance to Roundpoint on XXXX/XXXX/16, but I was unable to put a loan number on the application since Roundpoint did not have that information at the time ( I had called prior to submitting the application trying to get the loan number ). It took until XXXX/XXXX/16 for Roundpoint to acknowledge that my application was complete, claiming that I did not put the loan number on my application (!!! ). 
On XXXX/XXXX/16, my file was denied. I called Roundpoint on XXXX/XXXX/16 to make sure the sale date was being postponed. I was not told by the representative about the denial ; I was simply told that a request to postpone the sale had been sent by the Single Point of Contact XXXX XXXX. I asked for a call back from XXXX XXXX. 
On XXXX/XXXX/16, I called Roundpoint again since I did not receive a call from XXXX XXXX. I was then informed of the denial, the removal of my file from that department, and that the sale of my property was proceeding. I insisted on a phone call from XXXX XXXX since the representative on the phone could n't give details of my situation ( only XXXX XXXX could ). It took 4 days ( XX/XX/2016 to XXXX/XXXX/16 ) from my original request to get a call back from XXXX XXXX when there was a sale date approaching that I was told was in the process of being postponed. 
Since XXXX and Roundpoint are merging according to what both servicers ' representatives told me, I feel XXXX 's assurances should be honored by XXXX. It was unfair business practice to issue a sale date after advising me to wait to submit an application for mortgage assistance until the servicing transfer was complete, especially considering that issuing a sale date after receiving a complete application is illegal ( dual tracking ). It is also " dirty pool '' to then not inform me of the situation on XXXX/XXXX/16 when I called Roundpoint since the decision had been made 3 days earlier ; had I not called again on XXXX/XXXX/16 I might not have found out at all that the sale of my home was proceeding in a few days. I am also not being given enough time to appeal the denial of my application since the sale is not being postponed. 
It is apparent that XXXX/Roundpoint is not playing fair and is trying to steal my home out from under me unfairly. I 'm hoping that this agency will police these people, right a wrong, and help me save my home which I can now afford with the help that so many others have been given. Considering Roundpoint has been given XXXX in TARP funds, they should be held accountable for unfair business practices and poor loan servicing.

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