Consumer complaint received 2017-08-15
Company: Guild Mortgage Company LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Guild refusal to release my check to repair my home from water damage along with having my XXXX XXXX XXXX insurance cancel due to not releasing the check in a timely matter my home now have black mold and my floors are bare without carpet both of my master bathroom closet and my master bedroom closet have black mold in spreading in different area of my home. I have made numerous attempts to fix this problem with Guild Mortgage first they told your office they never received the check in XX/XX/XXXX to the fact it has expired must be cash within six months. XXXX XXXX XXXX issued a second check in XX/XX/XXXX which they now have and due not want to release. Guild Mortgage lack of sending my insurance check because I fell behind in my mortgage. Guild Mortgage have try to foreclose on my home and still have not sent this check the water damage happen on XX/XX/XXXX. It is almost a year and my kitchen floor is also coming up. They continue to ask for a contractor bid and what major repair in my home. In the estimate itself a contractor is not needed. The repairs in my home is for me to buy carpet and padding, in two rooms of my house. Buy a new bathroom vanity these items along take measurement and have been done. Closet repair, paint and clean floors. Money to get a dump truck to remove a damage bed, damaged carpet and padding and old tile to be throw out which these items are and have been on my back porch. I do not need a contractor for what is on the list of things to do from XXXX XXXX insurance company. All Guild Mortgage was supposed to do is sign the check and return. Guild Mortgage have been deceptive and continues to be to the point your agency is part of the federal government and I have the documents to prove they received before my first compliant was filed. I ask your office to call XXXX XXXX XXXX XXXX to speak with the office regarding both checks and also if additional repairs was needed in my home I would have gotten additional money but due to Guild Mortgage not releasing the check my home now contain almost a year of mold in my home which my younger daughter had to temporary move out her room suffer the most damage. XXXX XXXX XXXX XXXX, my claim examiner XXXX XXXX can also verify Guild Mortgage is to only sign and return. I file to claim regarding Guild Mortgage withholding my first and second repair check due to massive water damage. As well as stopping my mortgage company to fix my home after the damage to verify this statement XXXX AND XXXX when they stated to your office they never received the check. I am sending today the XXXX XXXX receipt and the copy of the check issued and send to Guild Mortgage before filing an complaint on XX/XX/XXXX is when it was mail to my home and XX/XX/XXXX federal government acknowledgement of false statements given to your office on my behalf. Also, I am sending a copy of the second check that was reissued and mailed on XX/XX/XXXX sent by XXXX as well. Guild Mortgage still have not given me a Loan Modification and requested documents was given

Company response to consumer: Closed with explanation