Consumer complaint received 2016-08-30
Company: RoundPoint Mortgage Servicing LLC
State: CO
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Mortgage servicer Round Point Mortgage has help my loan since XXXX XXXX when sold to them from original lender. Purchase price {$77000.00} on XXXX XXXX, XXXX with appraisal of {$96000.00} I put {$19000.00} down. I owe {$75000.00} XXXX XXXX, XXXX. 
Frburary XXXX my husband moved out of the residence. I stayed and continued to get payments sent. Down to XXXX income and XXXX teenage sons I called RPMS to see what options i had available since loss of significant income. I was told that there was no help available because I was current on payments. I remember thinking that was crazy, but when i talked to XXXX they confirmed that to get the help refinance on mortgage the loan needed to be 90 days past due I knew without a change it would be. 
I lost my job on XXXX XXXX, XXXX I worked there for XXXX yrs and it was a high stress job at the hospial. I made payments up until my savings ran out in XXXX XXXX. I applied for unemployment hardship XXXX XXXX, XXXX loss mitigation case was n't examined until XXXX XXXX, XXXX. In XXXX XXXX I was approved for a 3 month special forbearance with {$0.00} amount due expiring XXXX XXXX, XXXX balance of {$5400.00} I was still unemployed and getting a divorce. During the forbearance the payments I sent in got returned and no credit was given. I did n't receive any notice from Round Point Mortgage about what happens next and unsure about how I was going to come up with the entire past due amount I submitted another application & affidavit to get an extension. Faxed by my XXXX approved councolored on XXXX XXXX, XXXX. I would be more likely to get a job after graduation I am attending College while unemployed and needed a little more time. As of today XXXX XXXX, XXXX i found out my house was sent into forecloseure on XXXX XXXX, XXXX which was a surprise because on XXXX XXXX, XXXX during another meeting between XXXX councilor and RPMS contact I was told by RoundPoint that I was not in foreclosure status because we 're still in documentation stage. I blamed that on them because I sent what was asked for and then they ask for more. Why did 've still not had my application reviewed by loss mitigation. My point of care contact would tell me to send in specific documents i did and i would get another letter saying they needed more information. Nothing change financially other than my oldest teenager had a job and I put that he lived in the home and he worked. So even after I forcefully explained I did not want to evolve my child in this issue I was told I had to send his check stubs and a letter from him that he lives with me. Of course he lives with me it 's my responsibility to take care of him until he 's old enough to move out and finished high school. He does have a daughter and pays child support but is it normal for a mortgage company to ask for children 's income?? And I was asked to get a letter from my soon to be exhusband on what he contributes financuially. My lawyer was pushing for spousal support but nothing had been court ordered. And when I did get any money there was a price I paid also. Now I have to ask him for a letter? Should I show up and his new place he got with his girlfriend? The humiliation of it all is too much. 
I have a XXXX councilor that 's helped put the application together and sent info requested for me while with my coucilor on XXXX XXXX, XXXX was assured by RoundPoint Mortgage that my house would not go into foreclosure because I was in documentation stage. WRONG without my knowledge a foreclosure date of XXXX XXXX, XXXX processed and I was n't aware of it for 5 weeks. I was told on the phone today and had not a clue about it being foreclosed on. I was wondering where to send my payment, because on XXXX XXXX, XXXX I got notice of contract transfer starting XXXX XXXX, XXXX. I 'm worried and uninformed. Please help me!!!

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