Consumer complaint received 2023-06-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Evergreen Moneysource Mortgage Company (AZ)

I started working for Evergreen Home Loans ( EHL ) in XX/XX/XXXX. I was the Default Supervisor over Bankruptcy, foreclosure, property preservation, and post foreclosure claims. Within a couple of days working for EHL, I started to notice things that I knew were unethical, way outside of investor compliance, and violations that have been set by regulatory agencies. I will further explain following the main reason for my complaint. Due to me being over foreclosure there was an account for a XXXX XXXX that I reviewed for possible foreclosure due to the account being roughly 31 MONTHS past due, as most of their accounts are. There were many leaders and higher-up leaders that turned a cheek to most things unless it became a major issue. I sent the loan back to loss mit telling them tat there was no way I felt comfortable referring this loan to foreclosure, because our due diligence was most certainly not done, and there were many things unclear surrounding what happened to the loss mit XXXX XXXX requested a modification on several occasions and he was unsuccessful. I do know there were some issues on his end getting us docs and of course issues on the EHL side. 

Borrower Name : XXXX XXXX ( Phone : XXXX ) Loan Officer for EHL : XXXX XXXX XXXX ( NMLS # XXXX ) Lien Holder for the {$70000.00} is XXXX XXXX XXXX ; recorded on XX/XX/XXXX XXXX filed on XX/XX/XXXX XXXX  filed on XX/XX/XXXX XXXX filed on XX/XX/XXXX Sale date was on XX/XX/XXXX XXXX XXXX was diagnosed with a XXXX XXXX and had to retire from being a XXXX, had XXXX children I believe and a wife. His home was located in XXXX, NV and he owed EHL roughly XXXX XXXX and we were aware that he had a second lien for XXXX XXXX and possibly there was a 3rd lien. In total, he owed roughly XXXX XXXX and his home was worth roughly XXXX XXXX. In XXXX I was asked by the Director, XXXX XXXX to look into the XXXX file. I heard bits and pieces of some issues surrounding this loan, and there seemed to be some kind of drama about how he initially came in contact with EHL with his first mortgage we originated. 

- XXXX XXXX called EHL sometime in XXXX to let us know that his second lien holder had filed or was planning on filing an eviction action against him. His sale date was XX/XX/XXXX, XXXX was threatening to foreclosure by his second mortgage. XXXX then sent us the actual documents for the foreclosure, informed us that his 2nd mortgage was making threats to him and went as far as filling an eviction. 
- I was asked to look into the file because the home had foreclosed and the Director, XXXX wanted to know how we could still secure our lien position to get the XXXX XXXX XXXX owed. I kind of heard there was some " gossip '' going around about this loan, as the 2nd lien holder kept calling asking to speak to XXXX XXXX the VP at the time. Why would a lien holder demand to speak to the VP of default. 

*******IMPORTANT*******The day I was asked to look into this loan was the same day I was told that the loan officer on XXXX XXXX XXXX first mortgage with us was done by one our employees, XXXX XXXX XXXX XXXX XXXX XXXX by XXXX XXXX ''. XXXX apparently had a personal relationship with XXXX because they used to be XXXX  in NV and attended the same church. 

THE MAIN ISSUE : XXXX called into XXXX ( repeat business ) and asked XXXX if he could take a second mortgage out against his house due to the medical bills and things he was going through. Instead of going through the normal process of filling out an application, etc. XXXX tells XXXX that he will loan him the {$70000.00} and would then lien his property for the {$70.00} in 30 days. A personal loan was then given to XXXX, by XXXX on XX/XX/XXXX a promissory note was recorded. XXXX never put XXXX info into the computer to see if he even qualified for a HELOC. XXXX trusted XXXX until things went south due to XXXX defaulting on the home. XXXX spoke badly about XXXX at their church and in their community. XXXX knew every step of the way where we ( default servicing ) was in the process of his account, because ALL documents on the originating side and the servicing side are housed in encompass. XXXX was able to see all notices, invoices, payments made, loan modification docs, etc. He had full access to the account. 

XXXX forecloses, EHL finds out that he is an employee of EHL around the beginning of XX/XX/XXXX, EHL only cares about securing their money and that is when I was asked to have XXXX XXXX pull title to see if we could still foreclose. Meanwhile EHL is telling XXXX to keep sending in his docs for a loan modification AFTER the home foreclosed. XXXX XXXX XXXX was not fired until XX/XX/XXXX. In pulling title, I was the first one who was made aware that there were more homes that XXXX did this on, but for different reasons. One person he gave them XXXX XXXX  for a deposit on a new home and had the borrower 's write a letter saying the money came from parents, when in fact, it came from him and then 30 days later he liens the property. EHL leaders all the way up to the CEO, XXXX XXXX knew about this and did nothing. 

On ... ( these dates are from the notes in the system of record XXXX that I have a copy of for proof. 
- XX/XX/XXXX- XXXX XXXX foreclosed on XXXX home. No one showed up to the auction and XXXX XXXX was able to get the home for roughly XXXX XXXX 
- XX/XX/XXXX - an inquiry was received to the XXXX email inbox notes in XXXX : " received email via XXXX inbox from loan officer and the email asks if the loan is current, what is the monthly owed and he asked for a billing statement. This was XXXX who sent this request, next an employee of EHL sends a billing statement to XXXX. There was no 3rd party auth. 
- XX/XX/XXXX - EHL sends a loan modification packet to XXXX ( his home had already foreclosed ) - XX/XX/XXXX - XXXX calls in to speak to XXXX in Collections and says that XXXX XXXX XXXX posted a sale notice for XXXX XXXX  on his door. He said it was important to speak to XXXX that same day, since XXXX says they are coming to evict him. XXXX was unavailable and told XXXX she would call him back. 
- XX/XX/XXXX - I was asked to contact XXXX XXXX to schedule a meeting - XX/XX/XXXX - the first meeting took place with XXXX XXXX  and EHL. I attended that meeting.

Once this entire mess came to light, I was asked to schedule meetings with XXXX XXXX  who would have been the foreclosure attorney and I was present for those meetings and it was very apparent that EHL only wanted to foreclosure on their lien and did not care about the fact that XXXX was still an employee of EHL. XXXX XXXX requested that EHL sign a waiver recuse them due to the severity of the situation and the worst part was, EHL didn't think they needed to fire XXXX. They stated and I quote, " the agreement was made between XXXX and XXXX ; that has nothing to do with us ''. I told them they did not have a choice but to fire XXXX. I was then taken off of all meeting pertaining to this account. The other homes that XXXX did this to, because they were not in default, EHL did nothing. XXXX told EHL the he was in no hurry to give them their money and EHL knew that XXXX could have gone to CFPB and this being news worthy, so they did not file anything against his NMLS license and he is currently still originating loans. 

I did further digging on XXXX and found connections to a couple individuals that were shut down by the feds. I did not go to my boss because he is unethical and I saw how they were trying to brush this under the rug. I went to the risk management officer and I believe she is the COO or.. I will get her name and title. I was then brought into a meeting with HR and told that I had to go to my immediate boss and then a couple weeks later I was fired. I was told that it was for " unsatisfactory performance '' and that was far from the truth. I worked 15+ hours a day, built out 4 departments, sent 40+ houses to foreclosure that just sat there with no one thinking that it was important to work the accounts. I worked my XXXX off for this company and I was mocked for preaching compliance all the time by the Director, XXXX. 

There were incompetent people working there in loss mitigation, that purely did not care about their jobs, they did not care about the borrower 's lives that they negatively impacted. They would process docs whenever they felt like it, they were falsifying notes in MSP ( system of record ), deleting notes, there was a collections rep XXXX who told a borrower to commit fraud and told the borrower to tell the loss mitigation rep that she was affected by COVID so that she would automatically get a loan modification. XXXX was written up and allowed to keep her job, and I was fired and I never did one thing wrong. I was even told by XXXX that I was insecure until I proved him otherwise. Obviously, that is another organization to file with. I have take so long to file this complaint, because I have dealt with a lot of emotional turmoil from this. I lost my job for doing the right thing and I am now losing my home because I can not find a job in this market, I am a single mom and I could lose my kids at any moment, all because of a company who does not care about anyone and only care about the numbers and hiding as much as they can. The XXXX situation is a big deal ; however, this is just one of many unethical events that I witnessed that no one cared to do anything. 

The Director, XXXX doesn't know what he is going and the VP XXXX who left and went to XXXX sat in her office doing nothing about the aged 30+ payments behind accounts.