Consumer complaint received 2022-06-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc (TX)

I submitted a complaint # XXXX The Original Compaint was : In XX/XX/XXXX I did a 12 month COVID 19 Forbearance with Mid-America Mortgage XXXX They assured me through the CARES Act that it would not report negatively on my credit. At the end of it I chose an option, allowed to me as a XXXX XXXX loan, to do a streamline modification. They tried to force me into other options by sending me the wrong docs, and I finally got them to do the streamline. They told me that their policy is to have me pay 3 payments and that after that it will be streamlined. I just made my third payment, and got a notification from XXXX that there has been a massive change to my credit score. They reported me as missing 12 payments totaling over {$33000.00}. It dropped my credit score from the XXXX to XXXX. I reported it to them and they told me they would put it under review and it could take up to 45 days if they were to fix it. That was last week. As of today they reported me late again. My understanding of the Cares act is this should not be reported as delinquent unless I defaulted on the loan after the forbearance was done. To this day, I can not make payments online. They still have me marked as in a loss mitigation and I have to make payments by calling them. 

Their response was : Our records reflect a credit reporting correction was submitted and processed due to an internal servicing error. We sincerely apologize for any frustration or inconvenience that this may have caused to the consumer. The Automated Universal Data Form ( AUD ) was completed on XX/XX/XXXX in reference to loan XXXX. The AUD is a manual update to remove the derogatory delinquency for XX/XX/XXXX and to report the loan according to the credit suppression. The update was submitted to the three major credit bureaus to reflect the current loan status. The consumer may reference the control number XXXX for their records. This was submitted to XXXX, XXXX and XXXX. Please be advised it may take up to 30 days for the agencies to update their records. Free credit monitoring services may take longer to update the status of reporting based on the third party. Please accept this letter as evidence the update has been submitted. The consumer has been advised that access to payments through the online portal, CARE, will be restricted until the Loan Modification is completed. We received the third Trial Payment as agreed in the amount of {$2700.00} on XX/XX/XXXX. Subsequently, the Loan Modification Document Package and Agreement have been mailed on XX/XX/XXXX with instructions on how to execute the documents included. Failure to return the executed documents per the requirements may result in the rescission of the Loss Mitigation option. Additionally, the consumer has been advised to please ensure all requested documents are submitted in a timely manner to facilitate Mid America Mortgage , Inc.s review of your account for appropriate workout assistance. 

They removed it from my credit, and 2 weeks later put it right back on dropping my credit score from XXXX to XXXX.