Consumer complaint received 2016-03-16
Company: BOK FINANCIAL CORP
State: MO
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
During my attempt to bring my loan current and prevent the amount to do so getting higher than that of the already difficult past due balance I asked a real estate broker for clarification on the information being provided by the servicer of my loan. The broker and I called a representative from BOKF na loss midigation dept that I have been actively working with but I could n't get the same answers to any of the questions that I needed to get answered in order to help save my home. During this conversation the broker started to make statements I was not comfortable with so I asked her to drop off the line and I did not want her help. After the conversation the broker called me and told me her and XXXX XXXX discussed my situation on a separate phone call, I was not present and did not authorize the broker to speak on my behalf or make any Arrangements with XXXX XXXX. I wanted answers to questions ... where do I make my payment, is it okay if I make my payment at the bank or something else that is the surest way to make the payment and be successful. 
By this time I had already attempted to make several payments to bring my loan current but in the end when it came down to making that payment somehow the information I was given was incorrect and delayed the payment. When I missed those payments it made my past due balance another month behind which added another {$850.00} to bring my loan current. It is hard for someone who is not working to come up with large amounts of money in a short period of time not to mention the additional payment which makes it even more difficult to come up with in order to bring my loan current. I do n't understand why someone could n't just tell me the place to make my payment the first time that I needed to make the past due payment. Once my payment was rejected because it was n't the full past due balance after that the other two payments we 're in for the past due amount. If I could n't make my payment the regular way because I was in default why did I not get another option for when I tried to bring my loan current where does the payment go that could have avoided my payment being rejected when I call 24 Hour banking service the man told me that I no longer have that privilege when I spoke with the underwriter who did my loan XXXX why did she tell me that I could make my payment that way after I told her my loan is in default and it is past due. All I wanted to do was bring my loan current and give them money but I could n't because I was not informed of who or where to make these payments that would end successfully with my payment in the hands of the bank. If the loan originator of the bank text messages XXXX XXXX with XXXX and then XXXX has a conversation with the real estate broker without my knowledge without me being on the phone the broker tells me that they just had a conversation about 5 minutes ago that I was not a part of that is not okay

Company response to consumer: Closed with explanation