Consumer complaint received 2023-06-20
Company: Click n' Close, Inc.
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a complaint is against Mid America Mortgage, XXXX XXXX XXXX, XXXX XXXX  VA XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX VA XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The complaint is over how our mortgage was handled, the total incompetence or deliberate mishandling which contributed to the fact that our property was lost to foreclosure and the fact that Mid America bought the property at auction paying more than we owed on it and has not offered to pay us anything for our equity. It is my belief that they should pay us the difference of what they bought it for and what we owed on it at the time that we asked them to take it back and an additional amount for all of the inconvenience, worry and anguish we were caused by their actions. We are in our XXXX 's and during all stress we were caused by it, I was already suffering from a severe case of XXXX. 

XXXX XXXX is guilty of abuse caused by their total incompetence or lack of concern for mortgage holders. I have enclosed numerous documents that support or confirm everything I am saying. 

Because of my health condition, we had to move out of the home and return to Arkansas to be near our family. I made a lease purchase agreement with some people who wanted to purchase the property. 

Enclosed documents : XXXX. XXXX The lease agreement XXXX. XXXX XXXX statement with address XXXX. XXXX Mid America statement with address The significance of these two documents is that they have the same address. 
XXXX. XXXX. XXXX XXXX Arkansas AG 's Office Response to the answer to the complaint we filed against XXXX and Mid America over the mishandling of our money and filing to provide homeowner insurance from the escrow account. 
XXXX. XXXX Mid America response to the complaint. 
XXXX. XXXX Complaint to XXXX XXXX about the mishandling of our account. 
XXXX. XXXX XXXX XXXX Showing the account was brought up to date after Mid America told us to stop making payments because of the pending assumption. 
XXXX. XXXX Woman at Mid America told us to stop making payments because of the pending assumption. Then later, they told us that the people could not assume the loan because they are not XXXX. 
XXXX. XXXX XXXX proposing that XXXX XXXX ( XXXX XXXX XXXX XXXX assume the leased house. 
XXXX. XXXX Proof of transmission of payment that was lost by ( XXXX XXXXMid America XXXX XXXX. XXXX Explanation of complaint against ( XXXX XXXXMid America XXXX XXXX. XXXX Complaint against ( XXXX XXXXMid America XXXX XXXX. XXXX 2nd Page of Complaint against ( XXXX XXXX/Mid America XXXX XXXX. XXXX No reply response XXXX. XXXX Refund XXXX. XXXX Re : Complaint XXXX. XXXX Re : Complaint XXXX. XXXX Letter to XXXX XXXX wanting them to take house back. 
XXXX. XXXX Mail Receipt for letter XXXX. XXXX Complaint to Oklahoma AG 's Office XXXX. XXXX Letter to foreclosure lawyer sending key to house. 

XXXX XXXX is still sending statements to us on the mortgage ; long after the foreclosure and even after the foreclosure sale. I believe this is proof positive of the incompetence I have spoke of. Mid America bought the house for {$60000.00}. They did everything possible to run up charges against it. They had the opportunity to acquire the house when we owed {$56000.00} on it but did not take advantage. Proof is enclosed. 

I firmly believe that Mid AmericaXXXX XXXX should compensate us for all the stress and anguish they have cause us and pay us the difference between the {$56000.00} that was owed and the {$60000.00} that it was sold for. I think a fair sum for all of it would be {$10000.00}. 

They should have their real estate licenses revoked and if I am not compensated as I have asked, I will pursue getting that done in any way I can. They know that most elderly XXXX such as myself, are easily bullied and intimidated. I do believe that they systematically take advantage of that fact. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation