Consumer complaint received 2023-01-25
Company: Lil' Wave Financial, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
o whom it may concern : Im writing this to let you know how Superior loan servicing Mortage has failed to Help me as a homeowner who is struggling financially, i should have several options available to me.. or offered To help me and work with me regarding any type of relief form Superior loan servicing located XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, CA XXXX This Mortage company has failed to find a way to help me recast the loan they never gave me an option .. they never asked or offered to help me on a way to get this on track.. I had called and asked the agent if I can modify and the agent was of no help.. this loan was originally for XXXX and now there saying in order for me to get out of loan I would need to pay the back interest of 19.99 % this in return has now accrued a whopping XXXX and counting on only interest instead of principle and interest this financial constraints have forced me into filing a bankruptcy.. and I cant afford to not do anything and see if I can get some type of relief as this was done during XXXX. 
Never once as a senior home owner was given a option to get help. 

I am a homeowner who is struggling financially, i should have several options available to me.. or had given to me. 

As a homeowner I should have option to temporarily pause or reduce my mortgage payments through forbearance programs if im unable to make my mortgage payments. 
I understand My payments are not erased or forgiven, i should have the option to repay them over time, when you refinance your loan, or when you sell your home. 
When this loan was done during currently exiting a XXXX.. 
i refinanced with a first lender during XXXX  with one and this last one as well did the same to me .. during covid .. XXXX .. XXXX .. forbearance program and ready to restart making mortgage payments, mortgage servicers are required to work with me and tell me about all available options for avoiding foreclosure. None of this was offered Reinstatement Repayment plan XXXX XXXX XXXX modification Superior loan servicing is who now is servicing my current Mortage and currently in bankruptcy protection. 

XXXX was the one that advised me wrongfully to get out of this fixed loan after my husband passed away sending me into a panic widow. 

XXXX XXXX lending is the first service lender that completely took advantage on both of my homes telling me I needed to put a invisible loan on my second house as covid was going to send the housing market into a recession. 
I panicked as my late husband passed on and was told this was the only option to get out of a loan I filed for extension for another 6 months .. as no one can help me during covid .. ( that was not the truth ) I was taken advantage.. I was being harassed by XXXX XXXX XXXX XXXX telling me he was coming for my house and I was going to loose it and laughed Again I panicked to refinance into another ban-aide hard money XXXX .. all because loan officers are not advising me correctly.. 
This got me to superior loan service now.. 
and once again no one willing to help me.. 

i firmly believe I have been a victim of Mortgage servicing violations numerous violations of consumer protection laws i believe i have been taken advantage of on predatory lending as well as elderly abuse. 

I also believe on all my HUD statements I was charged ridiculous amounts *Charging consumers unauthorized amounts. 
*unfair practices and other violations by mortgage servicers *deceptive practices..

Company response to consumer: Closed with explanation