Consumer complaint received 2023-09-12
Company: Rhode Island Housing and Mortgage Finance Corporation
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Rhode Island housing has not managed or serviced my mortgage in good faith. And has discriminated against me after receiving a federal grant HHF and reestablishing the loan thereafter. 

I need some help... I'm homeowner in the state of XXXX XXXX  since XXXX I was hardest hit during covid-19 being part of XXXX XXXX XXXXXXXX XXXX XXXX and having been a XXXX XXXX XXXX XXXX in many large corporate establishments including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX over the past XXXX  years. Early on in the days of covid-19 I was part of the forbearance program at the end of that program I did have conflict the lender Rhode Island housing to reinstate the loan. They had refused to do so because I was collecting XXXX insurance and we're not considering my income has standard income so they wouldn't remodify loan and told me that I had no other options that I would have to foreclose, and amongst other things had a dispute with the underwriter of the loan back in XXXX. It was eventually modified that loan.. I was very grateful for the Rhode Island covid hhf Federal Grant program and providing relief. I had received a grant Which was in the amount of XXXX XXXXXXXX l 'm very appreciated after being part of those who were hardest hit as Ive have been underemployed. Just before the program had accepted my application and issued the grant funds I was already in the foreclosure potentially in XXXX so to avoid that possibility and, possibility of loosing the garnt I and my XXXX  come up with {$8000.00} in order to keep my loan without having to pay the full amount of the loan to Rhode Island housing appox XXXX at that time... I messaged the hhf program many times and they were not very good with responding and to the point where they even withdrew my application but after I put an appeal and stated and attached every one of my XXXX emails following up every month over the course of the year until my application was viewed accepted and the grants funds accepted. With that said they re-established the loan after the grant proceeds were received and applied ( improperly ) my opinion. Which brings me to the first payment beginning this year XXXX. 
I would assume that you already know what the purpose of the grant was for, and how it should have helped homeowners to get back up to speed with their past due bills and prevent them from slipping into foreclosure. However with the my lender having not adhearing the criteria of the grant and help me as a homeowner pay my past dues, late fees from prior years, bills, liens ect it compounded all finances coming into the household and crippled me before I could even begin to pay the first month mortgage payment. Below I put in bullet points what was not paid, or hurdles I've had from then moving forward and have all the supporting documents stated below to support my claim and position. 

*Homeowner Insurance *Prior year property taxes *Condominium fees *Condominium Assessments *Late fees from prior year carried over - mortgage *New Mortgage payment more than prior XXXX  before the grant was received.first payment {$3100.00} ( prior to this account my mortgage last XXXX years has been {$940.00} which included principal interest and taxes ). The only one that's been hardest to it's been me after they re-establish the loan with the making my first payment I had not a single chance how could somebody do this to me XXXX/ my XXXX/ and roommate ( contributing to months mortgage {$600.00} ) who is XXXX XXXX  and dependent on XXXX  XXXX rushed rushed to hospital/ XXXX XXXX XXXX I was XXXX XXXX XXXX on my own property Building inspector posted a notice on my door deeming the property inhabitable and can not live there until fixed. 

Building inspector refused to specify the reasons in order to fix, Building instructor refused to acknowledge past permits. 

Condominium treasurer filed XXXX  order on me. XXXX  also shut off the electric, utilities to my unit, we lost all food and myself myself, my XXXX, and his XXXX XXXX XXXX son who resides at my condominium where all put out and made homeless due that violation notice on the door and the fact that the treasure of the condominium complex shut the electric and utilities off. 

Condominium treasure broke into my unit, violated the inhabitable no entrance violation notice on the door it's still property out of my unit and then rooted on the notice that he stole my property. 

Condominium treasure made false assessments that now have been accumulating since that day in XXXX. 

Building instructor refuses to communicate. 

Foreclosure process begin I was out XXXX different times in the last XXXX  years due to XXXX. XXXX refuses to pay these XXXX claims amount approx {$3600.00} XXXX  claim for XXXX weeks, early on anybody that had symptoms in the beginning they said stay home XXXX weeks and they pay you full time, I put in the claim with the XXXX department received confirmation emails, and confirmation claim numbers. 
XXXX  claim approximately XXXX weeks the department of health called me at my home and told me because my roommate had just contracted XXXX that I could not return to work, and be in isolation, quarantine and checked out by my doctor before returning. Again I filed the claim online received email confirmation and the claim number. 
XXXX  clean my contracted XXXX and had symptoms throughout XXXX weeks in total I filed online with the XXXX  department received a confirmation email and claim number. 

I received absolutely no funds or payments on these claims at all I disputed it with the apartment XXXX  I was getting nowhere called legal services of Rhode Island they put me in contact with an attorney XXXX XXXX went over each claim in detail provider all information emails he forwarded it to the department they come back to him and ask him if it was okay to contact me just to confirm and go over each claim and details separately with a woman I asked how long before I received payment for these XXXX claims she said it just needs to be confirmed by her manager which takes about XXXX or XXXX weeks. payments for none of these XXXX  related XXXX  situations where paid out to me when I reached out to the attorney he resubmitted all the information and ask them what is the status and their follow-up was the claims don't exist and they have no knowledge what claims numbers these are Assement XXXX XXXX fire Condominium complex because the property management company lead by XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX did not properly have the right amount of insurance on the policy, which there are XXXX buildings housing XXXX families each one.In XXXX XXXX of the buildings caught on fire and was a total loss the rebuild was XXXX and only insured XXXX XXXX -meaning shortfall. So as a whole all homeowners had to pay back XXXX XXXX to pay all the contractors to rebuild the building and we had to get a loan to which each and every unit owner has an assessment to pay XXXX They set up an auction on XXXX XX/XX/XXXX on my home no communication ever since from mortgage company or the attorney. Apparently it was sold to the highest bidder no communication letter or anything for me of this information apparently through a third party we're playing I see for it that it didn't go through again no letter no communication nothing at this point I have no idea what's going on they won't communicate with me refuse to communicate me and will not send me any information regards to where I'm at XXXX  was put on me for my XXXX, because my XXXX  XXXX  yielded me XXXX  for the year which they sent mail to my home address that I am charged for XXXX  on stating that I must reach out to the XXXX XXXX  to establish XXXX  dates. Obviously I checked my mail like every for the XXXX weeks because of the XXXX order and because my work is XXXX miles away to which I have no car and I've been staying at a employees sofa seeing im homeless. So by the time I got that letter at the place I'm not supposed to be ( my home ) that dated already going and passed which a XXXX  can be established No communication after the auction. 

I have some if I could sell it myself they said no it's sold Home value XXXX, I owe XXXX ( but lien and bogus assessment XXXX ) Just like the conflict of interest my mortgage company , the manager of the hhf grant program, and the default counselor hoping that one person XXXX XXXX Conflict of interest : the property Condominium management company XXXX XXXX XXXX XXXX  and the condominium management XXXX XXXX, and the person that makes all the rules, and those bogus assessments is governed by the XXXX person XXXX  XXXX I have no protections, no stance, limited rights, to dispute or challenge with anybody in those XXXX fields. 

Apparently the law firm said that it's sold. 

I've received no documents stating that I've received no communication since from the lawyer or the mortgage company. And I know this supposed to. 

I have to close my back into backpacks and my cat after being just placed out of my home since XX/XX/XXXX with no way to get back in taxes my property I'm concerned that if they did sell the property whether or not getting back to me I'm concerned cuz I can't get my property out of my home because I have a XXXX  water issued I'm concerned that if I show up on the property someone will call the police and don't get XXXX  XXXX.. and also would be a violation of my XXXX  on another matter. 

I'm afraid losing my home, and now everything in it I don't have the funding to stay where I am pay, pay for food and come up with money to hire an electrician which is what's needed to take the violation off the Property, and when I did the building instructor will not instruct me as to how to make the corrections to make it habitable again The foreclosure process is a conflict of interest : the Mortgage and underwriter of the loan/ grant, default counselor to prevent foreclosure, and the manager of the hhf Federal Grant program in the state of Rhode Island is all the same one person XXXX XXXX the same one person who wouldn't reinstate my mortgage after the forbearance program because I was on XXXX and I had a conflict with Since being in the risk of being in the early stages of foreclosure, and now in foreclosure I have not got a single email text or phone call from XXXX XXXX again the manager of all three entities : federal Manager of the hhf grand program, my mortgage underwriter Rhode Island housing, default counselor. I have not a single email, and or call with logs of both to support that nothing or any kind of communications ever received, given or even attempted. 

Discrimination : just my opinion or side note but if this is how all the homeowners were left in my position with all these past due payments, late fees, taxes, condo fees etc backup to XXXX  and even playing field after receiving this grant and being thousands behind even before my first payment of the new remodified loan then that's fine..but if the lender remodified their loan and paid those payments fees due etc and or followed the federal guidelines of that program as to exactly what could be done and should have been done to help the homeowner from going into foreclosure then I've been wrongfully discriminated from my mortgage lender. I feel so they have not serviced my mortgage and good faith I filed a complaint with the US department of housing and Urban development. And homeowners equality and rights On XX/XX/XXXX my thought is between this complaint and the hhf program itself would have either put off the foreclosure or put it on hold until it could have been properly investigated. I sent all information communicated with them and XXXX weeks later on XX/XX/XXXX they sent me an email back stating that there's nothing that they could do to help me it's not in their jurisdiction. 

I also was in communication on XX/XX/XXXX with somebody in the department of housing of Ri, not to be confused with my mortgage company Rhode Island housing it's a different entity. Needed my acknowledgment to look into my mortgage/loan and said after my recap of the entire situation that there might be a small chance that there was something overlooked to protect me or my mortgage and that they could help me. But then the following week they got back to me and said they couldn't. 

One on One conference : I think it's a homeowners right/act but if we're near foreclosure you're going to have a face-to-face conversation to discuss all options to avoid foreclosure Assessments from the condo association tallying over XXXX Please note none of these issues that have daily assessments attached to them or complaints or noted by the building instructor. They were all made and created by the treasurer of the condominium XXXX / property manager XXXXXXXX XXXX XXXX XXXXXXXX who is not licensed in any fields of building inspections, electrical, contractor, to support any of these claims even if they were realistic. 
They include the following : *Not having a providing homeowners insurance policy ( That one I'm okay with I can't afford it and I understand the penalty ) * Having biohazard and hazardous materials on my property ( the oxygen tanks and cylinders they're considering biohazards and won't allow them, preventing my XXXX  to live there ) *Nonstructural walls placed in the unit to create a XXXX  bedroom ( false accusation, paneling board leaned against the back of my desk, non anchored even ) *Making structural changes ( false accusation ) *Electrician not having permit ( false accusation ) *Having too many tenants ( false accusation ) Supposedly the auction winner was supposed to close XXXX weeks ago, when I followed up pick up postponed they would not tell me what date has been postponed until, will not communicate any further, as to the proceeds being returned to me after the sale. 


Follow up as to the XXXX XXXX XXXX XXXX office left a voicemail while not going today I left the messages to why I happened pulled a permit for work to be done at my residence and that the matter will be sent to court. 
My reply as always to them is the following, to having sent it in email form : I received voicemail from XXXX in regards to pulling or establishing a permit for my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for work that need to be done however I have already reached out to here and spoken about this matter and a permit was pulled years ago I let her know that I had already applied for XXXX prior to and provided her with the contractor 's name phone number, company name, contractor phone number and to how much I ade out a check for and paid for the permit and provided her with the information as to where I went to purchase that permit. I informed her that I had went to the XXXX XXXX  building on the XXXX  floor at the window on the right side as you go up the first staircase. I also concluded that I posted that permit on the slider up until the point a year after that it was so faded from the sunlight that you couldn't even read it so I disposed of it and no building instructor or anybody had ever followed up call, sent email, mail, or voicemail in regards to work being, or work done pertaining to that permit. I also stated since then the contractor didn't finish the work ost of it yes but not all, I also mentioned to her the permit although being over XXXX XXXX XXXX doing exactly remember what I wrote as far as the criteria of the work being done back then of that permit but I did mention the including walls, moldings, doors, light fixture, some electrical as for now the contractor has since died and the company no longer exists.As far as had I received notice from the building on this matter yes, and as for not pulling a permit that was false information and I did try to inform him on that the day XX/XX/XXXX but he simply did not allow me to answer him as his tone was aggressive and combative when trying to answer for any problem or work that need to be done I couldn't get a word in, and as he ranted on about the appliances being near the slider door of my unit which I mentioned that they were to be put into a storage unit seeing how you just purchase them allthat 's the reason why they're in that position and I would certainly remove those for him and complaining about the XXXX  batteries in my electric moped I said no problem if it's such a big deal being in the kitchen then I'll remove it, so I then removed it immediately as the XXXX  open the door for me and as I continued to remove it from the property at that point out of respect I went down the street because I didn't want to say something that I regret and needed to clear my head and when I returned and hour or so later I received the inhabitable violation notice. I had reached out to the office regarding that I tried to tell the inspector that i had previously a contractor and the permit I pulled previously.I also wanted to know if I should write for an appeal in regards to the letter I received in the mail stating I didn't pull a permit for that work.XXXX  at the office mentioned no it wouldn't help or it wouldn't matter so at that point I'm assuming the building instructor was wrong in suggestion that I didn't pull a permit for previous work done and that would be squashed. As far as if any permit for work needs to be done as I had already reached out and indicated to the department that it is not clear as to what is need to be done in the unit as I requested previously, please provide me with the exact electrical issue needed so the appropriate work done and permit pulled however they falil to tell me exactly what work to be done.You 'll see in the attachments first payment if they reestablish the loan XXXX owing {$3.00}, by XXXX they added money and since escrow up to {$2000.00} ... help... I'm homeowner in the state of XXXXXXXX XXXX since XXXX I was hardest hit during XXXX being a XXXX XXXX XXXX XXXX XXXX XXXX.. I was very grateful for the Rhode Island covid relief fund HAV program grant I XX/XX/XXXX payment stub due after the re-established federal grant was received by Rhode Island housing so nicely again remind you they are the Manager of the entire State program ( keep in mind the person that manages this is XXXX XXXX ) for issuing and distributing all the funds for the entire State of Rhode Island to those who received these hhf grants. And he is also the underwriter of my entire loan at RI Housing not XXXX XXXX he is below XXXX XXXX, I only know this because at one point and a brief conversation with XXXX XXXX in past years ago he had to get back to me because he needed approval from his boss / underwriter of the loan which he mentioned was XXXX XXXX. As well as the only person that dealt with default counseling at the office as I had prior to received a business card from one of the the employees XXXX XXXX his title is default counselor which I was excited to see because of somebody different he left his card on my slider within the year after reaching out to him by email he replied back with not helping me and forwarding me XXXX XXXX cell number contact information and forwarded my reply email to him directly. 

So in Short XXXX person handles everything XXXX XXXX Rhode Island state hhf Grant funds Rhode Island Housing underwriter/approval all loans Rhode Island housings Default counselor He barks all orders, he fails to communicate ( as I see even XXXX  current homeowners have pending trial/cases with his named clearly mentioned in them stating he doesn't communicate with them either ) or respond to any emails, and has never once reached out to me whether by email standard mail or email to help me from going into foreclosure or council me with any options. And have had a prior altercation with him in the past year and after proving him wrong in a prior modification after the forbearance program I hurt his pride he's very arrogant, talks very aggressively on the phone, and lied to me on something very important in a prior situation then accuse me that I didn't know what I was talking about. And when I told him that he had to get back to XXXX XXXX in regards to what he had accused me of knowing, he realized after communicating with XXXX XXXX he was wrong and I was right never heard from him since.

Company response to consumer: Closed with explanation