Consumer complaint received 2016-09-13
Company: RoundPoint Mortgage Servicing LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have submitted an application back in XXXX with Round Point Morgaget servicing company I have submitted all docmets that were requested. I diligently followed up each week to check the status of the application. I was informed that XXXX XXXX th that a document was missing which was a XXXX lien I then went to the local court house to obtain a copy of the satisfaction of the lienas instructed and forward it over to Roundpoint Litigation Dept. I followed up in a few days to ensure that the documents was recived. the Rep stated that the secon page was not recived I faxed it over the same day. I was then ask to giv it 24 hr for the documents to be recived and revieed by underrrighters however that there was no other documents needed. I called Round point the following week to verify the application was submitted. I was informed that no futher documents is need at this time and that the application is complete by the women repsentativ at Roundpoint, I contacted RoundPoint Mortgage serv. Last week Friday XXXX @ XXXX to check the status of the application, as I always do weekly and I was informed that the application was still under review and that there was a lien on my home from XXXX county as of XXXX 2012 the Rep stated that 's all he can see instructed me to go to the local court house, I went to the court house they informed me that there is no lien on the property and taxes are up to date. I then call the title company they affirmed the same no lien on property, I called RoundPoint back I spoke to XXXX XXXX he stated the same however he was unclear, I informed him that the title company stated that there is no Lien it is the mortgage that was sold after purchasing the property. He indicated that a releases was needed in order to move forward and to go back to the court house and obtain a copy, I asked XXXX XXXX how come I was not informed of this initially when I went to the courthouse to retrieve a copy of the Mechanics Lien I called every week to check the application status? and was informed the app was complete?? I went back to obtain the copy of the Release of Lien, I called round point spoke to XXXX XXXX at XXXX she informed me to call XXXX XXXX to see if they can release the lien since they had the loan prior and that Round Point had to be first on the Loan, I spoke to rep from there and the indicated that they would need to speak to Roundpoint, I called back XXXX XXXX gave authorization to speak to the company giving verbal consent she informed me that the application is now closed, and denied due to not receiving the release effective Friday XXXX the same day she also informed me that I am two months past due on my mortgage which is impossible because I have auto draft, I called my banking institution and they stated that my Mortgage company is at responsible for the draft because it has been set up since XXXX begging of the year, someone at Roundpoint Mortgage needs to be held accountable this is the second time that they have denied my application with prejudice. I have been more than compliant I have too choose between feeding my XXXX kids, and infant baby and paying my mortgage payments, this also the second time the removed me from auto pay without notice which ultimately made me fall behind I would like this matter to be investigated it appears that I am being targeted so that my home can go into foreclosure, I have a consistent payment history with Round point until the they remove me from auto pay XXXX XXXX stated he does not know what happened and will look into what happened on there end XXXX XXXX assured me the same that there was a glitches in there system, please look into this matter. I appreciate all of your efforts. Thank you

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