Consumer complaint received 2016-02-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC (FL)

I have been attempting to get assistance with my mortgage for over two years now. I started out with one mortgage servicer, XXXX XXXX who took over a year. I was on trial monthly payment for a modification for over one year. Finally at the end of XXXX XXXX XXXX finally offered me a partial claim. Before the time they were to submit the documents for the partial claim to FHA my servicer changed to Planet Home Lending took over servicing my loan. Since Planet took over servicing my loan they have done a horrible job. They did several blunders with my loan and just continue to threaten me with foreclosure. First they refused to honor the partial claim, stating that they could not honor the partial claim. This was contrary to the new mortgage modification rules as of XXXX. This rule stated that a new servicer had to honor the prior servicer 's program. Even after I repeatedly told PHL of the partial claim they refused to honor. Secondly I had an escrow credit of over {$4000.00} but instead of researching my account PHL kept saying my escrow was short I had to call everyday for over two weeks to get someone to give me a credit, when they did they only gave me a part of my escrow credit. Third, they said I owed 5 months worth of mortgage but I had only owed 3 months. Fourth, they reported incorrectly on my credit for mortgage payments. Fifth, they had me submit a new set of documents to modify my mortgage and the end result was a repayment plan that had the incorrect amount I owed because they never calculated the escrow monies they were to credit me nor did they calculate what I had paid extra in a suspense account because the trial modification I was on I was paying {$200.00} more per month for my mortgage. What they tried to offer me as a workout was consistent inaccurate information and figures. I called several times to try to point out this incorrect information to them but the representatives would not listen to me they just did what they saw on their computer screens. I just kept paying them and tried to negotiate and point out the incorrect information. 
I filed two complaints with this department but got no positive results. In fact PHL did not meet their 20 days top respond to my complaint and when they did they gave me no resolution. My only option was to yet again provide documents to do a work out plan the same thing I had done 5 times within 2 years. They stopped taking my payments and now my mortgage is getting further behind. I submitted my documents in XXXX and to date no resolution has been met. They kept telling me that the IRS refused to give them my tax returns and I had to redo my request for tax returns 3 times from XXXX to XXXX. On XXXX XXXX, XXXX I received a correspondence from PHL saying they could not assist me with a workout because I had failed to provide the documents they requested. This yet again incorrect. I provided every single document PHL in fact I spoke to XXXX XXXX on XXXX XXXX, XXXX and she asked me to sign a new XXXX ( request for tax returns from the IRS ) I asked her if I could make a payment or if they had all the documents and she said no to the payments and yes she had all but the XXXX which I returned to her on XXXX XXXX, XXXX and she confirmed to to that she received the signed document and has forwarded it to the processing department. Yet I received the correspondence sent on XXXX XXXX that they could not help me because I have not responded with my documents. They are doing the same thing to me again. This is just not right. This company has done so much wrong and yet no kind of reprimand from any government organization many of whom I reported to HUD/FHA this organization and NOTHING. PHL continues with their deceptive consumer practices and I have no resolution to my continuing ordeal with this company.