Consumer complaint received 2015-07-29
Company: PLANET HOME LENDING, LLC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our original VA loan was obtained from XXXX XXXX. We were current on our loan. We entered into forbearance agreement for XXXX months due to the XX/XX/XXXX XXXX. During the forbearance we paid as requested from Mortgage Investors {$800.00} for each month during forbearance. During this period of time we received foreclosure notices and incurred late fee. The paper work stated none of those things would happen during the agreement period. After entering into the forbearance XXXX XXXX sold our loan to XXXX. We were not notified that the loan was sold to XXXX ; we just started getting foreclosure notices with payment demands. Our Escrow money was also not transferred over with correct amounts. 
FACTS AT THE TIME OF TRANSFER FROM MORTGAGE INVESTORS TO XXXX : OUR LOAN WAS CURRENT WE WERE IN A FORBEARANCE WE WERE PAYING THE AGREEED AMOUNT OF {$800.00} IT WAS AGREEED THAT DURING THE FORBEARANCE PERIOD THERE WOULD BE NO LATE FEE 'S ASSESSED NO FORECLOSURE, NO ADDITIONAL INTEREST. 
SUFFICIENT ESCROW MONEY IN ACCOUNT TRANSFER TOOK PLACE WITHOUT NOTICE FROM EITHER PARTYXXXX would not allow us to explain that we were on forbearance and continued to hire an attorney to foreclose. We provided the attorney and XXXX with the paperwork showing documentation that this should not have happened and the stopped the foreclosure, however told us that we needed to pay a large amount of money to avoid any additional attempts for foreclosure. We agreed to do what they asked of us, even though we knew we were not in the wrong and they had incorrect information, but we could not get anyone to listen to us, or provided us with exact amounts. Finally in XX/XX/XXXX XXXX indicated we needed to pay a lump sum, and pay extra each month to help with escrow balance. We did as they asked. XXXX performed an auto debit from our checking account each month. Come XX/XX/XXXX our loan was sold again to Green Planet. Again ... .no notices, from either the current loan servicer or the new loan servicer. 
FACTS AT THE TIME OF TRANSFER GREEN PLANET : WHEN XXXX BECAME SERVICER, THEY REQUESTED WE PAY SPECIFIC DOLLAR AMOUNT THAT THEY SAY WE OWED TO AVOID FORCLOSURE DUE TO FORBEARANCE. WE PAID THE REQEUSTED AMOUNT IN XX/XX/XXXX LOAN WAS CURRENT WITH XXXX WE HAD BEEN PAYING ADDITIONAL MONEY ON ACCOUNT SERVICER XXXX WAS AUTO DEBITING PAYMENTS FROM OUR CHECKING ACCOUNT SUFFICIENT ESCROW MONEY IN ACCOUNT TRANSFER TOOK PLACE WITHOUT NOTICE FROM EITHER PARTY XXXX DID NOT PROVIDE NEW LOAN SERVICER GREEN PLANET WITH CORRECT PAYEMNT INFORMATIONGreen Planet began to demand money, stating that we were facing foreclosure! I provided them with all bank information showing payments were current and not late, as these payments were auto debited from our checking by the loan servicer each month. We confirmed that the loan was sold and began to work with the new servicer who harassed us and failed to even answer our multiple questions, regarding our loan, our escrow balance, additional charges, etc. They began placing additional charges on our account but failed to explain what they actually were for. They began using our escrow money to pay for these items, but could not produce documentation that those services actually happened. At XXXX point a customer service rep told us that XXXX charge that was performed XXXX times in XXXX week was for property preservation that included mowing our lawn, picking up trash, and boarding up our windows! All of these never happened as we were living in our home and there is no record of anyone checking into our property during those times. You see we live in a gated community that requires check-in at a guard shack, and those visits are logged. When I asked for a copy of the bill from the person who they paid out of my escrow account, they could not produce it

Company response to consumer: Closed with explanation