Consumer complaint received 2021-03-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc (MD)

I am a homeowner with a mortgage through Mid America Mortgage. I applied for loss mitigation in XXXX 2020. On XX/XX/2020 I was contacted and offered a trial payment agreement in the amount of {$1400.00} beginning XXXX, XXXX XX/XX/ 2020. During that time all payments were made as agreed. In XXXX, 2020, I was not contacted by Mid America Mortgage. I had not been contacted at all. I continued to make payments on my mortgage. In the beginning of XXXX 2020, I called to inquire about the status of my loss mitigation process because I had not received the finalized paperwork after completing my trial payments. I was told I had to wait. In the process the representative stated I missed a payment in XXXX. I submitted proof of payment ( a copy of the cashiers check ) via email. I was not contacted to confirm receipt. I called back to check and found that Mid America received it. I expressed my concerns about being in the trial agreement as long as I was because the longer I would remain in the trial, I was always at the mercy of the company to be kicked out. I expressed that after the final paperwork would be drafted and signed, if I were late I would only have to pay a late fee and life would resume without the stress and worry of being sent to foreclosure. I was in a car accident in the same month XXXX XX/XX/2020 ) leaving my car totaled and me out of work until XXXX. I was contacted by Mid America about my mortgage payment and I told them about the car accident and that because they did not make telephone or online payments available to me I would have to get to the bank to obtain a cashiers check. I made the payment. I was constantly asked about my payment that I paid. In XXXX I was contacted about not being able to have final loss mitigation papers written for me because I missed the payment. Despite the circumstance, despite the restriction of payment options, despite the fact that the trial period was for three months which I completed, and despite the fact that I paid, on XX/XX/2020 I was denied loss mitigation. I had been in contact with Mid America Mortgage almost every week since XXXX. I was in constant contact with one representative from XXXX to XXXX. I was told by that representative that they would be able to take payment and draft the loss mitigation paperwork from XXXX. Then I was told by another representative that I had to pay XXXX and now XXXX. After I was told that the paperwork could have been drafted from XXXX, the representative that I had been in contact with had become unavailable. I talked to a different representative each time and each representative told me something different. One representative told me the finalized paperwork was on its way to me. One representative told me that the company has allowed customers to catch up and have drafted paperwork but I had not been given the opportunity. I was told that people of color had not been given the same opportunities as white customers. I do believe that I was profiled and treated differently. I had not expressed an inability to pay I merely expressed a circumstance that was out of my control ( the car accident ) I had even offered to provide all proof of the accident which I later provided to them. No one would hear me. No one would listen. The fact that my 90 day trial payment period carried on nine months is excessive. During that time I have made payments on time and above the agreement amount. I believe that discriminatory behavior was used in my case. I am now subject to foreclosure after paying for nine months. XXXX, XXXX and XXXX have been very adamant about not finalizing my paperwork and have done so for others.