Consumer complaint received 2017-09-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

This letter is in reference to the issues that I have had working with CHFA. First of all I understand that I was in financial Bankruptcy. When working with my lawyer the intent was for me to be able to keep the house. After filing the bankruptcy I called CHFA and explained to them the situation and that I wanted to keep my house. I was told that all I needed to do was to continue to make my payments every month. I understood that because I made my payments when the bankruptcy was over, I would be in good faith and not in foreclosure for nonpayment. Also because of the bankruptcy CHFA would not send me monthly bills. 

Moving forward I knew I had to document everything. I created an invoice form that I included with my payment each month. At the time of bankruptcy ( XXXX XXXX ) my monthly payments were roughly {$1400.00}. In XXXX of XXXX CHFA increased my monthly payments to {$1500.00}. Although I received a document from CHFA I did not fully understand the increase and I was not receiving bills. To continue my good faith I upped my payments to {$1500.00}. In XXXX of XXXX I went ahead and upped my payments again to {$1600.00}. This time I did not receive anything from CHFA, I was just trying to continue my good faith. 

When the bankruptcy was finally settled in XXXX of XXXX I started to call CHFA. After repeated calls to CHFA getting nowhere and becoming extremely frustrated. Finally on XXXX XXXX, XXXX I went to the Colorado CHFA office and demanded to speak to a XXXX. I finally was able to receive a copy of all the transactions and payments to my account since filing the bankruptcy. In reviewing the documents I realized that CHFA had me behind 1 month in payments. From what I can conclude in the transactions in XXXX of XXXX my payment was short {$4.00}. So when I sent in my XXXX of XXXX payment CHFA placed the remainder of the {$1500.00} into a reserve account after applying {$4.00} to the XXXX payment. When I then paid the XXXX of XXXX the payment was applied to XXXX, and CHFA took another {$4.00} from the reserve for XXXX payment. This made my records look like I am a month behind. I also realized that in XXXX of XXXX my payments increased to {$1600.00}. Since I was paying {$1600.00}, CHFA continued to take the difference from the reserve. 

I contacted CHFA several time between XXXX and XXXX to find out how much was in the reserve account and what I could do to get my account to 100 %. In XXXX I sent in a full payment plus an additional {$350.00} to make everything current. The bankruptcy case is now closed. CHFA will not send me bills. The house is mine in the settlement. CHFA is claiming that they require an letter of affirmation from the judge. I was not able to get that letter. In Colorado the judge will not sign these for mortgages as they are not considered consumer debt. 

I have contacted CHFA since XXXX. When I receive a call back I am told that they are sending me out invoices and reports. Then nothing comes in the mail. I have tried to refinance the house in order to get some repairs done. CHFA will not respond to assist me. 

I understand that I am this situation because I filed bankruptcy, but I have paid over {$1500.00}. through the entire process. I am not the average person in the position. CHFA is receiving my money and not talking or working with me.