Consumer complaint received 2022-06-09
Company: Siwell Inc
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX XXXX I was affected by covid and had no work. I called My mortgage company at the time was XXXX XXXX and discussed the matter and then went on forbearance for 3 month XXXX XXXX I mailed a my payment {$2000.00}. A few weeks went by when I received a letter From Capitol Mortgages Of Texas stating they are my new mortgage company. I then called XXXX XXXX verify about my payment from XXXX they said my loan was sold to Capitol mortgages of texas and that my payment had been sent to them. I then called Capital Mortgages Of Texas and spoke with someone in the forbearance department and confirmed they received but because of all the Covid and new loans they had received my payment was floating in the air and that once they found it it would be applied to my account my payment from XXXX. I continued having difficulty paying my mortgage due to covid so I decided then to continue on forbearance. I was on forbearance for a total of 6 months. XX/XX/XXXX XXXX is when I came off the forbearance and decided to get a modification. I then started talking with XXXX XXXX who works for Capital Mortgages Of Texas to get my modification. My modification agreement was sent to me by XXXX XXXX I signed and Notarized it and sent it back to her. I will provide the modification agreement in attachment. XXXX XXXX I began paying my monthly payments till XXXX XXXX total of 15 payments. Every month since the modification I never received a closing letter and received delinquent payments on my monthly mortgage statements when Id call XXXX shed always say just disregard those and to continue paying my monthly payments and that she was working on getting my closing note to my modification for 15 months she kept saying the same thing over n over again. I also spoke with XXXX XXXX who is also supervisor of the loss Mitigation Department and XXXX XXXX as well all 3 ladies always said the same for the entire time of the 15 months. XXXX I Asked XXXX for something in writing stating that once capitol mortgages of texas received the closing note all my payments would be applied to my account I will also provide in attachment. XXXX was my last payment to capitol mortgages of texas XXXX In XXXX of XXXX I called XXXX for a payment extension for the month of XXXX and XXXX. I explained to her I XXXX XXXX XXXX and hadnt been back to work also because of Covid I didnt want to expose my XXXX  she understood and said yes it would be fine and to make sure id get those payments to her by the end of XXXX XXXX.First week of XX/XX/XXXX My Husband XXXX XXXX and I XXXX XXXX decided to Refinance my home got approved. I began asking repeatedly for the closing note and still got the same response we are still working on it. When the refinance asked for the payoff this is when my husband and I realized Capitol mortgages of texas werent honoring the modification agreement. The numbers nothing made sense also will provide in attachment. I then called XXXX and XXXX thats when they started giving me the runaround. XXXX wouldnt answer my calls or emails. Then I started talking with XXXX. Last I spoke with XXXX was on XXXX XXXX All she said was that the document custodian was researching it. The Refinance bank then decided not to proceed because the calculations of my modification was off the numbers nothing made sense and it was showing as if I was delinquent since XXXX of XXXX. I then began to email and call both ladies XXXX and XXXX. XXXX had left on vacation for the XXXX XXXX weekend and wasnt gon na be in office till XX/XX/XXXX. So I then started talking with XXXX same story saying that they were still working on getting my closing note she then stopped answering me. XX/XX/XXXX XXXX I call XXXX no answer I then receive a call from XXXX she said she has good and bad news good news I have the closing note to your modification bad news your gon na have to pay XXXX and XXXX payment asap so I can apply your payments bring your account current and close you out. I said to her ok how many days do I have to send you these payments she said by Friday XXXX XXXX. I agreed and as of XXXX XXXX XXXX I have those payments. Later on that same day XX/XX/XXXX XXXX I get an email from loss Mitigation Department stating that as of XXXX im delinquent for {$30000.00} and is due by XXXX XXXX. I then emailed both ladies XXXX and XXXX to let them know I have the payments and also to know why I was sent the email from the loss Mitigation Department.Iv called left voicemail message and emails to both women XXXX XXXX and XXXX XXXX and neither answer any of my calls or messages. Iv never been delinquent always made my payments as agreed and always kept communication in good faith with Capitol mortgages services of Texas. I hope someone can help me with this.

Company response to consumer: Closed with explanation