Consumer complaint received 2016-12-05
Company: State Home Mortgage
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a sale on XXXX XXXX which is this Tuesday. I 've been speaking with different ppl and doing research where I came to a realization that something is n't right. 

Before I begin I would like to say that the customer service is awful. For one it 's hard to get in touch with someone. Two the times I have spoke with someone other than the supervisor there were attitudes which is unprofessional. I had a slight argument on XXXX separate occasions with someone name XXXX. I believe that 's her name but her attitude needs to improve. The first incident happened when noticed the tone in her voice ( talking to me with an attitude ) which i told her do not get smart with me. The 2nd incident was we were talking about making a payment. She asked me was I 'm ready to make a payment. I told her yes but I have to put the money in my account first. She asked was the money in my account I told her no. I explained to her again that I have to put the money in my account before I make the payment electronically. She then tried to argue me down and try to tell me that I told I her yes when in fact I told her no when she asked me was the money in my account. From that point on I decide that I will directly with the supervisor. 

After missing XXXX and XXXX payments due to financial hardship I was told by XXXX that the foreclosure process would begin if I did n't have both XXXX and XXXX payments by XXXX XXXX. When I made XXXX payment I dealt with XXXX the supervisor. He was helpful as far as holding off from signing off on the foreclosure and giving me extra time to make the payment. I explained to him that I began doing real estate wholesaling and that I was closing on XXXX of my deals which I 'm still waiting to get paid til this day due to constant delays. 

What I realize now is 2 things. 1st is when I was told by XXXX that they will foreclosed on my home after missing XXXX and XXXX payments. She quickly mentioned that to me but did n't bother to tell me about different programs they have to offer in order to help me prevent foreclosure. I spoke with XXXX multiple times throughout the process and he never told me what other programs they have to offer either but he 's the supervisor. According to my research, mortgage companies are suppose to tell the mortgagor what other options they have to prevent foreclosure which State Home Mortgage failed to do. With me being a first time home buyer, different should have been explained to me. 

2nd is I received a letter from SHM on XXXX XXXX regarding my loan being approved for foreclosure. The kicker is that the letter was dated XXXX XXXX, 2016 which I thought was ridiculous. It says that my loan was scheduled to be referred to a foreclosure attorney on the morning of XXXX XXXX even though I received the letter on XXXX XXXX. The letter shows on the XXXX page what options are available to prevent foreclosure but it was already too because I receive the letter after the fact. Way to go and thanks a lot. It 's crazy that I received this at the time that I did receive it. I called the supervisor XXXX and left him a message and heard from him the following week. 

I feel that letter could have been sent to me at least 30 days in advanced because I 'm pretty sure some of the options available will take a while before a final decision is made. I did n't get the at least 7 days prior. 

Those are my issues with this company. Now I see why there 's been a lot of bad reviews and lawsuits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation