Consumer complaint received 2022-09-08
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Finance of America Holdings LLC (IN)

I repeatedly asked XXXX  to provide me with the amounts that they say we owe to bring the property taxes up to date because I explained to them that we did not owe the amounts that the previous loan servicer ( XXXX ) said we owed and that I had provided Hazard Insurance receipts to them and property receipts to show we had paid. Finally they refunded the Hazard insurance payment ( a year later ) but not all of it because they said the insurance company would not refund them all of the insurance. That is not our fault. we provided the receipt right away. The prior servicer should never have paid it. They did not follow protocol. They should have never called the loan due and payable. We were never behind on our property taxes or hazard insurance and we continued to say that but nobody would listen. When the loan was transferred to XXXX, they just assumed we were and then they started paying property taxes before they were due because they said they could because they said the loan was in default. When I asked for copies of receipts for what had been paid, they said they did not have receipts because they were all electronic and I should go to my county and get that. I asked 100 times for an itemized copy of what we owed so I could get it paid & finally today they sent me a copy of what the prior loan servicer said we owed and I am shocked!! They are trying to make us pay line of credit advances we received and loan set up fees and inspection fees and they still have the hazard insurance that we provided receipts for on here as well!! No wonder the charges were so high and interest has been adding up as well! There is property charges on here that were not paid on XX/XX/XXXX that were not due until XX/XX/XXXX. I tried to tell them that they paid them early and they kept saying they did not. We were still willing to pay them because we have to pay property taxes but for heaven sakes they needed to quit paying them early and surely not call our loan due and payable because they choose to pay property taxes early. They are so deceitful. Why would they try to make us pay by a LoC payment we got or a loan setup fee from our initial loan in XXXX? I tried to talk to HUD about this but they were no help at all. They were so suspicious acting and seemed to take XXXX 's side and kept saying so what if they pay taxes early. They have already filed a foreclosure in court and are ruining our credit. They did not even have reason to file a foreclosure action because we were not even late on our taxes or hazard insurance. XXXX just bought this loan and assumed that what XXXX told them was true and XXXX just started paying our taxes early. I am going to attach the itemization they sent me and they just sent this to me. I have been asking for this since they sent me a letter and said we were in default and that was in XXXX. No wonder they would not send it to me! They knew they could not charge us for these things! Why would they think they could make us pay back our line of credit? They are charging for an inspection fee because they came to our house harassing us because they said we didnt show our ID when they came to our house two weekends in a row to collect an occupancy certificate that we had already sent in!! We signed another one for them but would not give them an ID. I wasnt going to show a perfect stranger an ID! Then they charged us XXXX for the inspection! I am not paying these bogus charges! I will hire an attorney and countersue. I feel sorry for other senior citizens that fall prey to their predatory lending! This is crazy that these people do these things and HUD allows it... they don't care! I went to them and the lady at HUD was worthless. She gave me wrong callback numbers and didn't even know the policies or laws. It was ridiculous. I want to open a non profit to help senior citizens in similar citizens so these awful loan servicers can't do this to anyone else... this makes me so angry!!