Consumer complaint received 2018-05-31
Company: Pacific Union Financial, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage provider Pacific Union financial is making it difficult to afford keeping our home, I have been working on getting modification for a year now reps are misleading me information and giving false hopes on home retention, several calls made to seek help and Im being told to pretty much let house go. My concern is people with XXXX, they are aware of. which I believe I fall under that category from diagnosis and pacific union criteria on forms. Is this modification a way of helping people maintain their home? Because I feel Im not really being helped I hear people left and right that modify their loans and their repayment drop more than 30 % and my offer is XXXX $ less?? Seriously please explain Im having a mental break down stressing over a his nightmare with my modification I have been dealing with this for a year plus and this is my help to keep my home. I do understand that my past due will be put at the end of my loan but come on. Then I speak to reps and they tell me well your past due has been placed on the back of your loan what else do u want pretty much this is what Im being told .... I have struggled plenty and am breaking inside feeling helpless and runned around. Im sure there is some type of chapter, form or option available to actually help me reduce my monthly payment I dont care if my loan changes to 40 years but I really would like to lower my payment. What if in the scenario I have another mental crisis or mis function from my medications and loose my job or quit my job because its too much to handle my mental health is very important to me to maintain I have a family I just cant just let it take over me and give up I really really want to be here for my kids and wife its not a choice I made, I didnt tell my wife today you will get XXXX and in 6 months you will be diagnosed with XXXX have an expensive XXXX and take as much time off from work No I did not ask for this we went through XXXX using up all her pto and mine having to travel for daily/ weekly doctor appointments recovery full XXXX XXXX by doctors order and to top it off getting laid off from my good paying job. Because I wasnt able to provide full office needs because of my lack of attention to my job because I had to be with my wife every step of the way! Selfish was I no I tried to fulfill my work duties along as my home responsibilities I did not choose to loose a good paying job and to almost loosing my home ... constant fight with P.U.F. Agents has gotten me to a limit and is eating me that finally I get approved for modification given hope that my payment will drastically change and the end result only changing 30+ $ $ I feel lied too and fooled with. I honestly am asking if this modification can be re reviewed. People involved are several agents at pacific Union financial my wife XXXX XXXX my self and XXXX XXXX Loss Mitigation Manager NMLS # XXXX Pacific Union Financial , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX PacificUnionFinancial.com Who has failed to get back to after trying to get ahold of her via email and by phone

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