Consumer complaint received 2023-05-23
Company: Aspen Yo LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX : I still have not paid my mortgage this month. It has nothing to do with money. I am to stressed out since Im forced to call these people again. Every phonecall is at least 40 minutes of verbal abuse. Why would I want to call? But I have to or theyll start lying again on my file. I simply do not want to call these people. They are evil. 
Apparently no one even cares about the 600 hours of recordings I have. 

Complaint. 
All Mortage lenders on account refuse to start direct monthly deposit 12 times since XXXX to present. Saying 1 ) " Says in your file You are a problem person ''. How so? Wouldnt starting a direct deposit be more beneficial to the company since they know theyll alwaays recieve payment? ( Have recordings backing up the statement since theyve stated Im a problem person at least 30 times. ) Thats why I can say " They are trying to default my loan on purpose by making payment methods as difficult as humanely possible. '' I received no chance to rebuttal claim of any and all false information with-in my file or credit report in regards to defaming my name and character.

2 ) '' Everyone has to pay by check this is a mortgage wide policy. " <requested documents saying they can enforce this claim and proof this policy wide statement is true. 
Never sent me any documents. ( Yes have recordings ) Ive been forced since XXXX to pay by phone since. I do not want to call these people. Why cant they just auto take out the payment and leave me ALONE? 

Company sent my household a pre-addressed letter to sign the proper documents to start direct monthly deposit. company said " You mailed it to the wrong department you will be charged late fees. '' WHY? it was there premade envelope. Address was already pre-written. Why am I blamed for going to wrong department? Why not the department forward it to where it should go? They said " We will not be doing that '' 12 times I signed documents approving to start direct deposit and making account on mortgage website to start auto pay. Everytime they either refused to start it, stated they never received anything or said " What is this direct deposit you speak of we never heard of this. " Please teach us what direct deposit means '' YES THEY ARE THAT MEAN OVER THE PHONE. They instigate constantly and lie constantly. ( Have recordings ) Its just harrassment after harrassment. 
Just take there money and leave me alone. 

Due to there harrassment Im forced into a bankruptcy. Company still to this day never informed me of the foreclosure and lawyers do nothing. 
Mortgage company can not prove my household was informed since still to this day they still have not. I found out by accident and not by the mortgage lender. 
" THAT IS INBREACH OF MORTGAGE CONTRACT JUST FROM THAT AND FORECLOSURE WAS DONE WRONGFULLY AND SHOULD BE REMOVED. '' But no one cares since MOrtgage lender says " IM a piece of trash low life. '' Have recordings of this abuse since XXXX to present. NOthing has changed. 
XXXX recrodings prove with out any doubt they refuse to stop harrassing and ignoring me. 
I just wanted my payment for my mortgage to be taken out monthly and I want ZERO CONTACT.<Why is this so hard? > I am retired XXXX XXXX XXXX XXXX  veteran and I make more then enough money to pay my mortgage 3 times over. 
I do not wish to call these people ever again. 

Cant take them to court yet cause I wil not fill out the proper documents and lose just from that and my recordings will never be heard by the right personal for a proper punishment to be made against all money lenders who have been harrassing my household for years. 

I just found out about my rights with this website. SO now since Im not XXXX that knows how to protect themselves properly in real estate I get abused, harrassed and robbed of over 40 thousand dollars for them breaking that laws? They can just yell out Statue of Limitations and they go scott free?

MOrtage employees made this situation. Have nothing else better to do but harrass people who should never have any credit issues. 
They say Im the one thats trash?

( Finally can have this documented properly for court purpose of trying to resolve this ) tyvm.

Company response to consumer: Closed with explanation