Consumer complaint received 2024-01-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANKERS HEALTHCARE GROUP LLC (GA)

XXXX XXXX XXXX XXXX XXXX | XXXX, Georgia XXXX XXXX XXXX  Complaint against XXXX  Discrimination in lending, medical bias Was my loan for property XXXX XXXX XXXX XXXX in XXXX, GA XXXX was actually legally given to me? 
I made complaints on several occasions leading up to my closing date which was XX/XX/XXXXXXXX  in the weeks leading up to closing I informed the XXXX  that I was embarrassed because my family members are lawyers and I have no documentations of my loan. The last documents I received from XXXX  was in XXXX that was XXXX  months ago on XX/XX/XXXXXXXX  the day of closing I called XXXX and asked her again when will I be getting my loan documents, I'll be leaving for the closing soon. I received my loan documents one hour before closing while driving to the closing. Is that legal, does that happen to any other ethnic group but minds? Is that legally correct and ethically correct? Again referring to XXXX. I said I was embarrassed by using your Company in writing. Read your email. I never had a chance to confer with my lawyer about the loan contract. I was afraid of being discriminated against again and not being able to get a loan opportunity again. Its happen to me before. Im a XXXX man the rules are different for us. Thing like XXXX  You Know. 
In XX/XX/XXXXXXXX  I reached out to XXXX  and informed them that I was having financial difficulties paying my mortgage I would need a possible deferment or whatever could be done i.e. covert-19 relief funding. I was sent legal papers by XXXX  staff and I informed him on two occasions that I needed to speak to him because I was having complications from XXXX XXXX. Soon after that staff member was no longer working there and I could no longer reach anybody at XXXX  via phone numbers that I had, they didn't work, the emails didn't work the phone number on their website didn't work, maybe it just didnt work for me I was locked out of the system in order for me to reach someone from XXXX  I needed to send an email through XXXX  website. On several occasions I informed XXXX  by email or by the new company thats answering the phones that I would like to pay my mortgagel and I'm locked out of the system. It would take several weeks for the staff of XXXX  to return my calls. I informed them ( XXXX  ) on at least XXXX  occasions that I can not pay my bill Im lock out and none of the numbers I try to call you are working. can I speak to someone in customer service the staff members that I was dealing with who was put on the email sent to me would never give me access to the system anymore I was never able to pay my bill so did XXXX  really want me to pay my mortgage while fully aware the they was not given me access to pay every time I asked them to give me in writing how much I owe so I can pay it they would never give me access to pay they would verbally tell me I have to pay a certain amount but in order for me to pay it I had to call them and wait several weeks for them to get back to me I could not mail anything I wasn't sure if my loan numbers were the same or did XXXX  exist in longer. My confusion could have been resolved if they would have given me wiring instruction on where to send my mortgage too. 
XXXX XXXX XXXX XXXX XXXX | XXXX, Georgia XXXX XXXX XXXX  Please investigate for possible criminal activities consumer finance violations banking and ethics violations and discriminatory practice. 
My complaints why did these thing happen 1. 
Why did it take XXXX  months in underwriting to close my deal 2. 
Why did it take XXXX  months for me to get any updated financial documents for my bank loan. 
3. 
Is my bank loan legally binding considering that I didn't get my legal papers until XXXX XXXX before closing. If not legal is that ethically responsible. Did I have a right to look over the loan papers XXXX days before closing as per consumer financial law. I even called XXXX who is responsible for giving me these papers before I went to closing requesting to know what's on my bank loan. 
4. 
in XX/XX/XXXXXXXX  I reached out to XXXX  asking them can I possibly defer my loan payments or what could be done considering the President of the United States gave out XXXX  of dollars to keep businesses a float. I was sent papers by a staff member who I was told later was no longer working for the company. when I asked on several occasions can I speak to somebody because customer service was not working. Because of the side effects of my XXXX XXXX  I requested 5. 
Over XXXX  occasions to speak to somebody due to the fact the side effects are confusion it was easier for me to speak to someone for better comprehension I informed XXXX XXXX that I am locked out of XXXX  system, I can not call the customer service the telephone numbers that I have for them know longer work an another company owns them and they dont know who XXXX  is. They said it will take them a while to figure out and give XXXX  my correspondence. That happened on several occasions. 
6. 
I informed XXXX  over XXXX  times I am trying to pay they would never give me a place to send the money to know their account numbers if XXXX  wanted me to pay my mortgage they would gave me the wiring instructions. 
7. 
I asked XXXX and everyone else on the emails who are upper management none of them ever gave me access to pay my mortgage. I asked over XXXX times. Please read my email. 
8. 
When I try to bypass XXXX and staff to pay the mortgage my information when right back to XXXX and again I was told I couldn't pay it I just wanted to be in the system to see what the system was going to let me do or was XXXX lying to me. I didn't feel comfortable with XXXX and her staff I felt like I was being scammed so I couldnt pay. 
9. From : XXXX XXXX   Date : Tuesday, XX/XX/XXXXXXXX  at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX  To : XXXX XXXX XXXX XXXX XXXX   Subject : Trying to pay my bill. I am trying to pay my bill I was given to different numbers to pay the first number was {$27000.00} on Thursday XXXXXXXX  and the next payment on Friday XXXXXXXX  was XXXX. I will pay either. Please advice. Thats what was sent to XXXX. 
10. 
Why If I keep emailing other people so I can pay my mortgage why does my emails keep going to XXXX and she blocks my payments. XXXX was involved in not letting me pay for months and forcing me in to bankruptcy and then being part of the bankruptcy proceeding. If XXXX wouldnt let me pay my mortgage and force me into bankruptcy this is a crime to steal my property and resell it. How wide spread might this being. How may XXXX  customers might be going through the same thing 11. 
If all of my mortgage loan numbers and bills are under XXXX XXXX XXXX XXXX XXXX Is the bankruptcy valid. We had court proceeding for XXXX XXXX XXXX XXXX 
12. 
The above reasons is why Im complaining. Please Investigate and report all find to the proper agency. 
13. 
Im requesting please whole off all bankruptcy actions until these question are answered. 
14. 
Sorry for repeating myself I just need to get this out and Im not good at writing things like this. Please excuse all typos. 
Enjoy your New Year Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX