Consumer complaint received 2024-05-14
Product: Mortgage — FHA 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: BROKER SOLUTIONS, INC. (CO)

Complaint : Unfair or deceptive act or practice for a mortgage broker or lender In XX/XX/XXXX, I contacted New American Funding home retention department to make a repayment plan. 

New American Funding enrolled me into a stand-alone partial claim. This work out plan would allow metoget caught up with my mortgage payments. 

We agreed to this workout plan mid XX/XX/XXXX and notarized the agreement on the morning of XX/XX/XXXX. 

The partial claim stated I owe the Lender {$5700.00} and I agreed to it despite the amount due for XXXX, XXXX, and XXXX would only equate to {$4400.00}. BUT I trusted the company and thought there must be filing fees, interest, or other stuff included. The notary XXXX XXXX ( XXXX ), submitted the paperwork to New American on the same date. 

In XX/XX/XXXX, New American credited XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments and late fees were " waived '' payments so I was current in my account again. I received an official statement of the workout plan being completed on XX/XX/XXXX. 

In XXXX XXXX, I received another partial claim with the same terms? I was not going to agree to a total of {$11000.00} to be added to the back of my loan by signing XXXX partial claims. 

When I called New American they stated that they need a different date on our agreement per the federal government. This is the only information they gave me but could not address my concern that this appears to be XXXX work out plans in addition to the outstanding partial claim balance of {$51000.00} which I had prior to this occurrence. 

I stated I am unwilling to sign another partial claim until I have written documentation that this is an amendment or voids the XX/XX/XXXX claim. I also neededverification that this will not jeopardize my intent to sell in the summer XXXX. I requested a XXXX get back to me so I could have the appropriate legal documentation for my behalf. 

I called several other times between XX/XX/XXXX and XX/XX/XXXX, however New American would not give me any new information or any documentation explaining why XXXX partial claims were necessary. Despite my several attempts no one would discuss my concerns or address my questions. The closest they did was send out several generic letters stating I have the right to request a meeting with a representativeof New American Funding. Which I return requested, but still am waiting for this meeting. 

In XXXX, I received another notification that I needed to sign this paperwork but still no one reached out to address my concerns to the new paperwork. I still was unclear what this means for the old paperwork that we did agree upon and how this new paperwork will affectmyloan and my attempts to sell or apply fora HELOC. 

On XX/XX/XXXX, New American reversed the applied funds. Since then my accounthas been a pure mess. I do not know where it stands as it has jumped around from " current '' to " XXXX days past due ''. 

When I called up New American Funding today they stated I am OVER {$10000.00} in past due payments. Again, I madeXXXX, XX/XX/XXXX, and XX/XX/XXXX mortgage payments. I also have a XX/XX/XXXX mortgage payment scheduled to be drafted on XX/XX/XXXX. 

I am requesting your guidance to speak to New American Funding because my attempts are being ignored.