Consumer complaint received 2022-06-02
Company: LAND HOME FINANCIAL SERVICES
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have contacted Land Home Financial Services, INC repeatedly over the past 5 weeks leaving voicemails and sent emails and have not received one single call back or reply. have also contacted the lenders attorneys off over the past 3 weeks also leaving voicemails requesting a return call and have not received 1 single call back.

I have filed a debt dispute with this lending ( after repeatedly informing them since they purchased my loan ) that the amount of incorrect that they are claiming I owe. I also sent a letter to both LHF Services and their Attorneys office on XX/XX/XXXX and XX/XX/XXXX disputing the debt and requesting a follow up in regards to this matter. Yet 2 months later I still have not been contacted with updates in regards to this matter and all my attempts to contact them go unanswered as they have for the previous 2 years with this lending service in regards to this. 
On XX/XX/XXXX ( date of identifiable event ) a cancellation of debt was issued in the amount of {$21000.00}. But that was never removed from the principle nor balance of the Mortgage loan in question. But yet I received also received the debt cancellation notice from IRS and had to pay taxes on this. 
In XXXX a loan adjustment agreement was entered in which " the unpaid principle balance of {$100000.00} would be decreased by {$30000.00} for a total unpaid balance due of {$72000.00} '' Servicer also agreed to forgive {$41000.00} as written in the loan adjustment, Which the agreement as stated in writing and notarized in this agreement " You will never be required to pay these amounts '' The said above amounts were never deducted at all from the principle of the said mortgage nor were any behind payments fully cleared out. I have requested repeatedly for these errors with this mortgage be corrected and LHF has done nothing since Day 1.

I have also requested a loan modification to bring loan current once my account is correct to the correct principle and balance in accordance to the loan adjustment dated in XXXX. I have yet to hear anything back in regards to a loan modification if needed once account is corrected and I have not been contacted with options they will provide me. 
Also due to COVID hardship I did submit a hardship notice, but LHF continued to charge me late fees, reported my account as late and delinquent to credit bureaus, they also refused to pay homeowners insurance and taxes that are suppose to be escrowed into my payments and are included on my loan agreement dated XXXX and any and all loan papers prior. They didn't pay the Homeowners insurance and then placed " forced insurance ' on my account. They failed to pay my taxes during the COVID hardship. I received a notice for delinquent taxes from tax office in which School taxes were over due by 8 months and Town/County taxes were overdue by at least 4 months. I had to contact the bank repeatedly to straighten out the taxes. They also added {$20000.00} in legal fees onto my account during the COVID hardship periods allowed by law.

I have also requested that any further foreclosure proceeding be placed on hold until the matter is resolved and the correct amounts be applied and my loan agreement be followed.

I would like to respectfully request for LHF to release my deed/title and mortgage to free and clear from any liens and for the remaining mortgage debt for my property be canceled. They have repeatedly violated my loan agreement and are trying to get more money that what they should have been owed.

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