Consumer complaint received 2017-03-20
Company: Guild Mortgage Company LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, I received a letter from XXXX stating that I do not occupy the property located at ; XXXX XXXX XXXX, XXXX, XXXX XXXX. I have contacted the law firm to discuss this matter. I was instructed to submit documentation, from my bank showing that I pay my mortgage to Guild mortgage monthly. The information was submitted and addressed to XXXX XXXX, attorney, who is listed as the attorney on record handling my case. Since speaking to XXXX XXXX, I have not received any response from the Law Firm. I have left several messages on his voice mail. Voice mail left on the following days ; XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). I have contacted Guild Mortgage, who is the holder of the loan, and asked for assistance in contacting their representative. I was instructed to speak to a XXXX XXXX, in the XXXX, XXXX Office of XXXX. The representative in the office stated that there was no one in the office by that name. When I asked if XXXX worked in another office, the representative stated that she could not locate anyone in the company by that name. When speaking to Guild Mortgage on XX/XX/XXXX ; representative " XXXX '' with an ID code of XXXX - tried to call XXXX and was told that there was no telephone number for XXXX XXXX. That call was made with both myself and " XXXX '' at XXXX. During the conversation with XXXX XXXX ( attorney ), he stated that one payment was made to Guild Mortgage via money order from an individual other than myself. The payment was made as I was out of the Country and could not make the payment at that time. The only information that I received from XXXX XXXX, was to state the decision was made that I did not reside at the property as I did not sign for a certified letter - this is NOT grounds for making a determination that I did not reside at the property. I use my business P.O. Box instead. I have requested mail be sent to my P.O. Box as I am not in the XXXX home daily and I did not want work related mail to find its way to the XXXX XXXX address as well as find its way into someone else 's home mailbox. I have had my work related P.O. Box for at least five years. During the time I purchased the home, I lived in an apartment in the XXXX, XXXX area. I could not break my lease, which ended in XX/XX/XXXX, as I would have to pay a penalty. I did not want to pay the penalty, so I traveled from XXXX to XXXX weekly while renting the apartment. I no longer am under the lease agreement and when traveling to XXXX to work, I reside with a friend in order to prove I no longer have a lease agreement. This information can be found by contacting ; XXXX XXXX in XXXX, XXXX. Prior to the loan being approved, I was given a letter from my employer stating that I am able to work in XXXX and live in XXXX. The letter was presented to Guild Mortgage prior to the approval of the loan. I have also made all mortgage payments on time and have not missed any payments. One payment was returned and I did not deposit the check as I am still not clear as to why Guild Mortgage is stating that I do not reside at the residence. I work in the XXXX area, Monday through Wednesday, sometime Thursday and drive to XXXX either on Wednesday or Thursday to stay at my home. The type of work I perform allows me to work this way. I consider this as predatory lending practices on the part of Guild Mortgage. I have attached copies of the letter from XXXX and the letter from my employer. If letters are unable to be attached, I will mail copies of the letters, certified. 

Your below question ask for XXXX of the XXXX questions to be answered. None of the below apply to me - I answered " problems when you are unable to pay '' as one payment was returned.

Company response to consumer: Closed with explanation