Consumer complaint received 2017-03-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

In XX/XX/XXXX I acquired about hardship for my mortgage. XXXX sent me papers to fill out. On XX/XX/XXXX I mailed all my papers to XXXX in loss mitigation customer care. I again had to mail her more papers on XX/XX/XXXX. I expressed my concern about not be able to make XX/XX/XXXX house payment. I told her I have never been late in 12 years since my husband died in XX/XX/XXXX. She informed me that I was seeking help and nothing would happen to me for not making the payment. She said I qualify for help and I would be ok. I am so disappointed in her terrible advice. I would never have not made the payment, I would have asked my family for help to make XX/XX/XXXX 's payment if I would have known Fifth Third would report me immediately on my credit report and lower my credit score by XXXX points. I was never once informed this would happen for seeking help. I called her twice and emailed her once and she never returned my calls or emails. She gave me false advice and now I do n't qualify to buy a home for my kids and I. I ca n't believe someone would do this to me. It 's said enough us losing my husband and my XXXX kid 's daddy but now our family home. And now I ca n't qualify to buy a home because a 1 time being late ruined my credit. I tried calling at XXXX but every number I tried said Fifth Third was closed. I received a letter saying I do n't qualify for any help at all. I was late in XX/XX/XXXX because of her telling me it was ok because I was seeking help. She again NEVER told me they would report me to the credit bureau and that my credit score would be lowered by XXXX points. My payments of XXXX that I made for XX/XX/XXXX was labeled unapplied credit and the rest XXXX was also labeled unapplied credit. I have made all current mortgage payments and ca n't get her to return my phone calls. She knows she gave me the wrong advice and that 's why she is n't returning my emails or phone calls. I expressed in XX/XX/XXXX my anxiety on not paying my house payment on time. She told me I was going to be ok. That nothing was going to happen to me. How can someone do this to a widower and her children. I need this off my credit and have my score returned to good so I can buy a home for my kids and I. I am so dissatisfied with the bad advice XXXX gave me. I should have never listened or trusted her and I would n't be in this serious mess right now. I am so disappointed and depressed right now. I trusted her and look where I am right now. Credit ruined and no way for me to buy a new home for my kids and I. I would never of not made that XX/XX/XXXX house payment if she would have told me that it would lower my credit score by XXXX points. I would have made that XX/XX/XXXX house payment through asking my family for help if she would have told me the truth about my credit was going to be ruined. She NEVER once told me this. I am so sick to my stomach on how she could leave such a serious issue out of our conversation. Someone please help me. I have never missed a mortgage payment in 12 years. I would never have missed XX/XX/XXXX 's house payment if XXXX would have told me what would happen if I missed XXXX mortgage payment. I need this XXXX time late mortgage payment off my credit score so I may buy a home for my kids and I. I work XXXX jobs. I am a hard worker. Someone help me please. Do n't ever listen to XXXX from Fifth Third, she ruined my life.