Consumer complaint received 2016-11-01
Company: ASTORIA BANK
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concern : I was reading on your site about " dual tracking in foreclosure '' and how there are laws prohibiting such an act. I would like to make a complaint against Astoria XXXX and the XXXX XXXX XXXX XXXX and XXXX & XXXX XXXX for violating this law. I would like to reference my previous case number XXXX as supplemental documentation for my complaint against XXXX ( Astoria XXXX ). In XXXX XXXX we were forced to file bankruptcy due to my spouse 's lack of finding gainful employment and after draining our bank account of all our savings when the mortgage company denied the short sale. 
Since our discharge in XXXX XXXX, we have received numerous calls and letters ( sample attached ) that say " This document is an attempt to collect a debt, and any information obtained will be used for that purpose. If you are in bankruptcy or, have been discharged in bankruptcy. This letter is for informational purposes only and does not constitute a demand for payment in violation of the automatic stay or the discharge injunction or an attempt to recover all or any portion of the debt from you '', the entire statement is contradictory to bankruptcy laws when the mortgage company and lawyers state the same thing but they are trying to collect a debt. 
Since XXXX we have had discussions with the mortgage company and have decided to try to loss mitigation route again to keep our home. We received our package in early XXXX and sent it back as soon as we could. The receipt is attached. While going through this process, the company intentionally foregoes the time to evaluate packages and plays games with the paperwork to make sure the time passes with no assistance. I have attached proof of how the original package request and document checklist is different from another package which came after the original. At this point, if they wanted to foreclose on the property why call and offer a loss mitigation package. Previously in XXXX and XXXX, I have submitted all the same documentation to no avail. Now, no less than a week after they receive the package, we receive a notice of a foreclosure sale XXXX XXXX, XXXX, from XXXX and XXXX who represent Astoria XXXX. 
There has to be some accountability for this sort of harassment even after we filed bankruptcy. We have kept this house in good shape while were here and maintained the utilities and upkeep hoping the mortgage company would stop playing games and refinance the home to something affordable, but once again you will see by the attached email it is no use. I am supplying all the documentation I provided to Astoria, and the redacted information is the same information I sent to them which was removed because it has our social security numbers and we have been victims before of identity theft. As you will see redacting our social security numbers and bank account numbers will be another reason for denial. Please have someone look into this, I have spoken to an attorney on the matter, but I am hoping to resolve this without having to take that route.

Company response to consumer: Closed with explanation