Consumer complaint received 2024-05-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Alabama Housing Finance Authority (AL)

On XXXX the XXXX, 2024, I received a letter from my Lender at the time with Loan Number : XXXX, XXXX XXXX, XXXX, XXXX, at XXXX XXXX XXXX XXXX, Ohio XXXX. The letter was a Notice of Assignment, Sale, or Transfer of Servicing Rights, stating that my right to make payments to them is being assigned, transferred and sold to XXXX, a Department of Alabama Housing Finance Authority effective on XX/XX/year>, and all mortgage payments should be sent directly to XXXX a Department of Alabama Housing Finance Authority at XXXX XXXX XXXX XXXX, AL XXXX, with a New Loan Number of XXXX. 
On XX/XX/year> I mailed off a cashiers check, for the mortgage payment for XXXX XXXX, for my primary residence in the amount of {$1400.00}, an entire 8 days before being due, via United States Postal Service, to XXXX a Department XXXX Alabama Housing Finance Authority, at XXXX XXXX XXXX XXXX, AL XXXX. Before XX/XX/year>, XXXX reported me delinquent to XXXX Credit Bureau, and started collection calls. I informed them of the address that I sent the payment to and the date of payment and I was told by a XXXX representative that payments should be mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, and that the check should be mailed payable to XXXX/State-AL. I was informed by the same representative that my loan numbers ( LN ), had changed from LNXXXX, to Primary LN : XXXX, and Secondary LN : XXXX, also that once they received my payment my account would be brought into good standing. 
On XX/XX/year>, I mailed off a cashiers check for my month of XXXX XXXX payment, for the amount of {$1400.00} made payable to XXXX XXXX via United States Postal mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX On Monday, XX/XX/year>, I started receiving collection calls from XXXX representatives, and on Thursday XX/XX/year>, I received notice that XXXX  had again reported my account delinquent with XXXX XXXX Credit Bureau. I immediately tried calling XXXX only to be continuously transferred, put on hold for over an hour, and never being able to get a notice explaining what the issue was with them not receiving my payment. Eventually on Monday XX/XX/year> I spoke to a XXXX representative named XXXX, who told me that they have yet to receive my payment, I stated the form of payment, method of sending off payment, and she placed me on a 45 minute hold, came back and told me that she was transferring me to XXXX XXXX Supervisor XXXX, XXXX comes on the line and is mocking me, but didnt realize that I was able to hear her, ( I have these conversations recorded for proof ), she then puts me on hold after I started saying hello, hello, and never acknowledged me, or addressed me. Then XXXX comes back on the line and tells me that XXXX just went to lunch and will return my call, at this time its after XXXXXXXX XXXX in the evening. I still have yet to receive a call from XXXX, even after emailing them I still have yet to be contacted by any representative of the company. 

XXXX a Department of Alabama Housing Finance, has violated my FDCPA rights as a protected consumer, they have made False and misleading reports of my account being delinquent to the XXXX credit Bureau, and have been unprofessional and has not honored my request to provide proof, of no payment, or to allow me to speak to a supervisor.