Consumer complaint received 2018-08-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY (WI)

Nationwide Advantage Mortgage, is my lender for my mortgage. I have tried multiple times to do a modification with this company and I get the paperwork but then I get told different things by all the reps. My original modification started in XXXX and my loan was put on deferment but once that was over it started the foreclosure date starting XX/XX/XXXX. I did modifications since then, they weren't accepted because I didn't make enough money, then they were saying I needed to send in documentation, like proof of insurance, things that I never filled out on the expense statement. Then my account was still being handled by Nationwide Advantage but was being handled by XXXX XXXX. XXXX stated that modification was not sent over to then. My most recent issue is because I feel like this company is trying to force me into this sheriff 's sale. In XXXX I spoke with a representative about my loan and that is when I was told that she was sending out paperwork and that and she told me that once I filled them out that I would have to call in to them because the reason they don't call me is because I filed bankruptcy before so they can reach out to me ( 1st time ever hearing this ). She stated it would have to be in by XX/XX/XXXX. I spoke to another representative on XX/XX/XXXX and I informed that rep that I overnighted my documents and she made sure that I had everything filled out and all my documentation that I need was with my modification packet I sent back. I spoke with a rep on XX/XX/XXXX to ask if they received my paperwork, she stated that had not and it needed to be in within 30 days of the sheriff sale date ( 1st time hearing that ). I stated well why give a date of XX/XX/XXXX for the paperwork to be in by because that is a day after the 30 day sheriff sale date. Call on Tuesday XX/XX/XXXX spoke with another rep and asked was my paperwork there because the rep I spoke to the day before stated that it wasn't but when I spoke to the post office they stated it was receive in by the company on XX/XX/XXXX at XXXX XXXX ( tracking numb XXXX XXXX ). She then stated that my paperwork is there but they will not open it because it had to be there 60 days before the sale date, I then stated well which one is it because you rep yesterday stated it would be 30 days. This rep then stated well 45 business days before the sale date. I asked then why would I be sent modification papers with a date of XX/XX/XXXX on them and I have spoken with minimum of 5 different people and you are the 1st person to say this. She stated well you just have to let it go to the sale date. From the time I have had this loan with them I have gotten rude rep 's, money being applied, wrong to my account, payments not being applied then hitting my credit like I was 30 days late and I wasn't because the money was sitting there. I became unemployed in XX/XX/XXXX and I explained all of this to this company and if you look at my payment history I was not late until then. I lost my job because I was falsely accused a XXXX XXXX XXXX XXXX XXXX XXXX and I had to fight this case for 14 months and couldn't get a job because it was an open case fighting XXXX. I went 14 months with no income whatsoever. Once I started working for XXXX XXXX I did another modification, I didn't have enough income and they wanted copies of insurance etc, things I didn't have. I have had steady employment and now they won't accept my paperwork. I have been trying and wanted to start back paying my mortgage months and months ago and I haven't been allowed to because my modification was not accepted. I called on XX/XX/XXXX and asked to speak to a supervisor and was put on hold for 25 mins, transferred back into the queue and then hung up on. I just can't believe that a company can treat someone like this and get away with it, when it's concerning so serous as their home. Speaking to a representative now on XX/XX/XXXX and was informed that all the information is int the office, they will not accept my paperwork because I don't have a bank statement. I was originally told that I just needed to send in a letter stating that I don't a have a bank statement and why. I sent in that letter and now they are telling me that the letter isn't good enough because I have to have proof of that even if it in deposited to a debit card because I have to show proof that I can pay my mortgage. I explained to the rep that a bank statement does not prove that you can pay your mortgage but check stubs do, I can not be forced to have a checking or savings account and even if I had one that still isn't proof.