Consumer complaint received 2015-08-31
Company: Neighborhood Assistance Corporation of America ("NACA")
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Dear Sir/Madam, Subject : Complaint Against Neighborhood Assistance Corporation of America ( NACA ) My home Mortgage with XXXX XXXX XXXX was initiated through Neighborhood Assistance Corporation of America ( NACA ) which is a non-profit organization, getting XXXX Dollars from Members and also from Government. NACA have/had been advertising that getting Mortgage through them, Members would not have to pay closing cost, down payments and other benefits, which proved to be false also. XXXX XXXX XXXX was already offering many benefits to their members like me as I have Accounts with them for many years.. I am attaching their promotion flyer to me. Neighborhood Assistance Corporation of America has been adding $ XXXXmonth in to my mortgage payment since the closing of mortgage on XXXX XXXX, 2009. At the time of closing, They did not explain anything about that adding $ 50XXXX to my mortgage payment and had me sign a contract between them and myself before closing of Mortgage, without explaining it or letting me read it saying it 's just formality. I did not receive the copies of contracts at time of signing it, which they sent me quite recently after I had filed a dispute with them and second Contract I received was even later. Also on XXXX contract, my wife is not included and added in XXXX contract and in that contract it 's not her hand writing and signature or mine. They had explained me through lots of meeting and conferences when I was working with them regarding getting the mortgage loan with XXXX XXXX XXXX that their program helps mortgage holder in economics/financial hardship to avoid foreclosure and make my mortgage payments for up to XXXX times at a time. I am Unemployed for several months, actively looking for work so I contacted NACA as I was facing severe Financial Hardship and talked to several people from NACA through several telephone calls and emails, including their managers and provided lots of documents to them on their request but I was not getting any help what so ever, getting false promises and runaround and later they were not even replying to my phone calls or emails. I recently received that copy of contract between NACA and myself, which states that they will be making payments to my mortgage lender and other clauses of contracts are very one sided and deceptive, till I get back on my feet. Later they were not letting me cancel the contract and keep adding $ XXXX/month and XXXX XXXX XXXX would let me do it as They have Contract with XXXX also.. I do have proofs of my Complaint, which I can share with you as and when needed. I have Loan to catch up with my Mortgage Payments to XXXX XXXX XXXX, which have added to my XXXX Debt. 
NACA is very Clearly in Violation of several Rules ans Regulations, some of which are as follows : Unfair and Deceptive Trade PracticeDebt Adjusting ACTThe Mortgage Assistance Relief Services ( MARS XXXX RuleBreach of ContractIf you have any questions, please feel free to contact me. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXXXXXXXXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation