Consumer complaint received 2024-05-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Aspen Yo LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Email Address : XXXX XX/XX/XXXX Subject : Complaint Regarding Gregory Funding and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, I am writing to formally file a complaint with CFPB concerning my recent interactions with Gregory Funding and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hereinafter referred to as " XXXX XXXX XXXX '' ). 

Background : I am the homeowner of the property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I finalized a refinance process through XXXX XXXX XXXX XXXX, which resulted in the final payment of {$520000.00} being made to XXXX, thereby fully settling the mortgage loan on my property. The lien was subsequently released to XXXX XXXX XXXX XXXX, and the mortgage loan was transferred to XXXX, who is the current and sole lienholder. 

Issue and Impact on Me : Despite having provided evidence of loan settlement and the lien release, I have been subjected to a series of unprofessional and potentially misleading communications from the XXXX XXXX XXXX and Gregory Funding. Notably, there was an attempt to collect an additional debt of {$34000.00}, which was added to the loan post-settlement and without clear origin or justification. 
Recently this has led to a pending foreclosure case initiated by Gregory Funding, causing immense stress and uncertainty about the future of my home and financial stability. 

The impact on me has been profound, causing undue XXXX  and threatening the very foundation of my financial security and peace of mind. The possibility of losing my home is a source of great concern, as it would not only displace my family but also significantly damage my credit rating and overall financial health. 

Complaint : 1. Miscommunication and Overlooked Evidence : Despite providing proof of payment, there has been a failure to acknowledge this evidence, leading to continued attempts to collect additional funds.

2. Unprofessional Conduct : The handling of my case has been fraught with unprofessional interactions and a lack of attention to detail, as evidenced by the correspondence provided. 
XXXX. Incorrect Correspondence : I have received letters not intended for me, indicating a lack of proper record-keeping and communication protocols. 

Action Requested : I request that the CFPB conduct a thorough investigation into the actions of Gregory Funding and the XXXX XXXX XXXX. I seek your assistance in ensuring that my mortgage loan records are accurate and that no further attempts to collect on this already settled debt are made. Furthermore, I request your support in resolving the pending foreclosure case and preventing any further harm to my financial and emotional well-being. 

Enclosed for your reference are the following documents : 1. Final borrower statement from XXXX XXXX XXXX XXXX. 
XXXX. XXXX statement reflecting the payment to XXXX. 
XXXX. XXXX release document from XXXX XXXX. 
XXXX. Confirmation of the mortgage loan transfer to XXXX. 
XXXX. Correspondence with Gregory Funding and the XXXX XXXX XXXX. 

I appreciate your prompt attention to this matter and trust that the XXXX will take the necessary steps to address my concerns and provide relief from this distressing situation. 

Sincerely, XXXX XXXX XXXX : Final borrower statement from XXXX XXXX XXXX XXXX. 
XXXX statement as of XXXX XXXX XXXX document from XXXX XXXX Confirmation of the mortgage loan transfer to XXXX XXXX with Gregory Funding and the XXXX XXXX XXXX