Consumer complaint received 2015-09-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (GA)

In order for my loan to be taken under consideration I submitted the requested documentation per RoundPoint Mortgage Servicing Corporation NMLS ID # XXXX request. 
I was given a loan modification plan for three months. When I called and asked the reason for the cancellation the Servicer did n't give a reason other than the lender choose not to continue with payment arraignment. 
The servicer stated if I wanted to do a loan modification I needed to submit another full loan modification package which I supplied. I was told the loan modification was under review which I never got verification of the decision. 
The XX/XX/XXXX I began to ask for the loan modification again and again was instructed to send a complete loan modification package for consideration. 
After completing the loan modification package I was told the information was under review. 
Again in XX/XX/XXXX I was mailed a package from RoundPoint Mortgage to fill out again concerning a loan modification. I was told the lender need additional information. I again completed the required documentation. Again I did not receive a response or verification of the outcome for the loan modification. On XX/XX/XXXX, Plaintiff had received a NOTICE OF FORECLOSURE '' communicated from XXXX XXXX, XXXX attorneys for XXXX Scheduled for XX/XX/XXXX. 
I spoke to XXXX XXXX XXXX for RoundPoint Mortgage Servicing Corporation and he instructed me to submit again my loan modification paperwork because they did not locate my previous applications. 
On XX/XX/XXXX XXXX XXXX email me and stated he finally received the paperwork I sent in and it was being sent to their loss mitigation inbox for setup. 
During this process XXXX was attempting to foreclose on my property. 
According to the FHA Note Case No. XXXX paragraph XXXX. GROUNDS FOR ACCELERATION OF DEBT section ( D ) Default ... In many circumstances, regulations issued by the Secretary will limit Lender 's rights to require immediate payment in full in the case of payment defaults. This Note does not authorize acceleration when not permitted by HUD regulations. As used in this Note, " Secretary '' means the Secretary of Housing and Urban Development or his or her designee. 
I made a complaint to the Comptroller of the Currency and was told to contact the CFPB. 
When I spoke to HUD concerning the FHA Note I was informed that I needed to speak with XXXX ( a subcontractor ) concerning my loan. The HUD agent was XXXX XXXX a HUD investigator. HUD stated they did not see a foreclosure concerning my loan. 
XXXX agent informed me that the Lender and Brower asked to cancel the FHA Insurance. I assured the agent that I would have never asked to cancel my insurance. I asked for a copy of the documentation or paperwork that shows I asked to cancel my insurance. I was given the cold shoulder and told the only way I would get any information concerning my loan I had to submit a Freedom of Information Act Request. I have submitted two FOIA request and still have not received the requested information. 

RoundPoint Mortgage did not inform me that I was not eligible for any loss mitigation option or that I had a right to make appeal with any of my previous loan modification applications. During my last attempt for a loan modification during the review process of my application the other mortgage company XXXX was attempting to foreclose on my property. I do not understand why Roundpoint was leading me on to think I would get a loan modification and still foreclose on my home. 
I have tried to negotiate, amend or modify the security deed with several entities, as reflected in the public records, including ROUNDPOINT MORTGAGE SERVICING CORPORATION, to no avail.