Consumer complaint received 2022-10-21
Company: RoundPoint Mortgage Servicing LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a chapter 7 bankruptcy without legal counsel in an attempt to save my home only to be scammed by a company called XXXX Bankruptcy Company. I found out I was scammed during my chapter13 conversion hearing when US Attorney XXXX XXXX XXXX from the U.S. Dept. of Justice admitted in open court that this company has been scamming XXXX citizens for over 10 years and the Dept. of Justice has been unable to stop the scam. So, unsuspecting people like me walk into the scam and lose our homes. Moving forward to the reason for my complaint, immediately upon filing the chapter 7 bankruptcy I notified my mortgage servicing company RoundPoint Mortgage, but my loan is owned by Fannie Mae that I filed for bankruptcy but they were not including in the bankruptcy and I filed it against my other creditors to save me home. Well, I feel the bank took that inside information and used it against me. During my bankruptcy conversion I hired XXXX XXXX from the Law Firm XXXX XXXX, XXXX. you will see many emails between us and others at his law firm regarding XXXX actions. As we were wrapping up the chapter 13 conversation and I was already making payments to the trustee, suddenly my attorney calls me ans asked if I paid my back property taxes, because the county withdrew their claim for the bank taxes which was already included in the plan. We were confused so both my attorneys office and myself began to look in to the matter you will see emails regarding our investigation. RoundPoints underhanded actions throw my bankruptcy into a tailspin that had to go back to the trustee and the court to be modified. XXXX made 3 attempts to pay the back taxes unbeknownst to myself or attorney. The first two payments were returned back to them by the tax office because they already had a claim with the court but, the 3 attempt was made by a different company and the tax office accepted the payment. Once XXXX was successful with interfering with my bankruptcy they immediately added a tax escrow account to my mortgage and increased my monthly mortgage payments from {$1600.00} to {$2800.00} per month. Due to XXXX unethical actions we had to go back to court to modify the bankruptcy because that gave the bank a claim which they had no clams prior to that. After the judge accepted that claim the bank then put in a new claim for an additional {$40000.00} for some hidden clause that no one can explain to me what it is. I was furious while all of this was taking place I kept complaing to my attorney isn t tjis illegal I thought no action can be taken by a creditor before a bankrupcy is discharged. RoundPoint then locked me out of my online access so I could not pay my mortgage online to which I am still locked out of I have to call in every month to pay my mortgage. The whole time XXXX month after month gives me their spill about I dont have to pay the mortgage this is not an attempt to collect a debt trying to deter me from paying my mortgage. So much so I told my dedicated advocate do you think Im stupid you guys keep telling me I dont have to pay the mortgage and as soon as the bankruptcy is discharged all that money becomes due and you know I would not be able to pay all the back money so they would take the house XXXX This company is so predatory it is disgusting No matter how many times I cried fowl no one cared what the bank was doing. I feel my bank is setting me up for foreclosure and I feel they did so many things that were illegal and no one stop them.

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