Consumer complaint received 2018-05-31
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In The matter of a loss of mitigation with Primelending , A PlainsCapital Company ( XXXX XXXX ) Servicer. 
Primelending , A PlainsCapital Company has purposely miscommunicated information defaulting loan modification process timeframe resulting into foreclosure. 
I have declared bankruptcy unfortunately it was dismissed XX/XX/XXXX. On XX/XX/XXXX I reached out to PrimeLending, A Plains Capital Company regarding and informing them of  dismissal and requested a loan modification. 
PrimeLending, A Plains Capital Company than informed me to complete a cease and desist letter so my account can addressed. 
XX/XX/XXXX I reached out XXXX ( XXXX XXXX XXXX XXXX XXXX ) for assistance, creating account set up. 
XX/XX/XXXX XXXX via email sent over their Modification Packet. 
XX/XX/XXXX Completed/Uploaded Modification Packet.

XX/XX/XXXX XXXX via email sent PrimeLending , A PlainsCapital Company the Modification Packet. 
XX/XX/XXXX contacted PrimeLending , A PlainsCapital Company. The Servicer stated they were needed more documents being the HOA, and 30 days of Pay Statements, NO SALE Date was available. 
XX/XX/XXXX contacted Primelending , A PlainsCapital Company regarding case review. Primelending stated the Uniform Borrower Assistance Form needed to be re-signed due to signature field signed signature was not verified. 
XX/XX/XXXX Primelending , A PlainsCapital Company resent the Uniform Borrower Assistance form/s to be re-done and or re-submitted. 
XX/XX/XXXX submitted to Primelending , A PlainsCapital Company a copy of State Drivers License and Completed & signed Uniform Borrower Assistance Form. 
XX/XX/XXXX contacted PrimeLending , A PlainsCapital Company requesting Uniform Borrower Assistance Form again, Hardship letter printed and signed, HOA statement and Agreement. Also, requested new Uniform Borrower Assistance Form they were going to send via USPS that could take 7-10 days to receive. 
XX/XX/XXXX contacted PrimeLending , A PlainsCapital Company regarding review and they requested : another copy of Quit Claim, Divorce Decree, HOA statement which was submitted same day. 
XX/XX/XXXX received certified letter regarding the foreclosure/sale date XX/XX/XXXX contacted Primelending , A PlainsCapital Company and was advised to sign and complete a XXXX tax form and short sale form which was completed and submitted same day with copy of ID. 
XX/XX/XXXX contacted Primelending , A PlainsCapital Company which they requested for my Ex-Wife, which resides in Alaska in a separate household to complete a separate Uniform Borrower Assistance Form. 
Primelending , A PlainsCapital Company stated they would overnight this form to home address for it to be done on a timely manner in which the form was not overnighted. XXXX delivered package with Uniform Borrower Assistance Form on XX/XX/XXXX. XXXX label showed this package wasnt sent out until XX/XX/XXXX a day later than said by Primelending , A PlainsCapital Company. 
XX/XX/XXXX submitted to Primelending , A PlainsCapital Company a completed Uniform Borrower Assistance form. 
XX/XX/XXXX - contacted Primelending , A PlainsCapital Company which said they had no update but verified Uniform Borrower Assistance Form was received and would be uploaded to file and the packet was now 100 % complete for review. All signatures complete. 
XX/XX/XXXX - contacted Primelending , A PlainsCapital Company which now stated the did not have Uniform Borrower Assistance Form on file. Primelending , A PlainsCapital Company researched their database locating the form escalating the call to a supervisor. 
XX/XX/XXXX - contacted Primelending , A PlainsCapital Company which they said the Packet was incomplete due to a timeframe of 14 day window as well as missing form. Primelending , A PlainsCapital Company now stated they needed a Uniform Borrower Assistance Form with both  on same form. Which this was not said until XX/XX/XXXX. 
The Supervisor than proceeds to say Primelending , A PlainsCapital Company has closed the file and there is nothing they can do at this point. 
The agents on this call were : XXXX # XXXX XXXX # XXXX I feel Primelending , A PlainsCapital Company purposely prolonged file review requesting same paperwork over and over again to take my home. I have contacted a lawyer regarding this matter due to falsified and or miscomunication on Primelending , A PlainsCapital Company.

Company response to consumer: Closed with explanation