Consumer complaint received 2026-01-26 00:00:00
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: Data Mortgage Inc.
State: MN

Complaint narrative:
Company : XXXX XXXX Loan Number : XXXX Property State : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX Summary of the problem XXXX XXXX has engaged in mortgage servicing conduct that caused and escalated my delinquency, restricted my ability to cure the default, damaged my credit, and fast-tracked foreclosure. This includes refusing good-faith payments, reporting late payments they caused, repeatedly disregarding a confirmed forwarding address while selectively mailing foreclosure notices to a known-ineffective address, denying loss-mitigation options, denying online portal access, and adding fees while blocking resolution. 

Detailed description of what happened I became approximately {$6000.00} behind on my mortgage. In an effort to cure the delinquency, I offered a good-faith payment of {$3000.00}. XXXX XXXX refused to accept this payment and refused to make any payment arrangement stating that they will only take the full past due or nothing at all. 
Despite refusing payment, XXXX XXXX reported late payments to the credit bureaus for nonpayment that they themselves caused. This credit reporting directly prevented me from refinancing or accessing other financing options, even though I have approximately {$160000.00} in equity in the property that could have been used to bring the loan current. 
XXXX XXXX also refused to offer or meaningfully consider any loan modification or other loss-mitigation option while continuing to advance foreclosure and add fees. 

Failure to provide proper notice / repeated disregard of forwarding address Beginning in XX/XX/XXXX, XXXX XXXX  was notified that I would need to travel back and forth from the property due to multiple overlapping family crises, including serious family health issues, multiple XXXX in the family, and a significant decline in the health of my XXXX brother, who required XXXX XXXX XXXX XXXX XXXX. During this period, I was aiding my mother with his care. 
During this time, XXXX XXXX  replaced the water heater at the property and acknowledged that we were not consistently present at the residence. 
Because I was traveling frequently and there was always someone available at the forwarding address to receive mail, I requested that XXXX XXXX send correspondence to the forwarding address rather than the property address. I specifically explained that mail delivery at the property address would be unreliable because the mailbox would fill while I was away, causing mail delivery to be stopped until I returned full-time. 
From XX/XX/XXXX through XX/XX/XXXX, I received emails from XXXX XXXX stating that mail sent to the property address had been returned. Each time I received XXXX of these emails, I contacted XXXX XXXX and again and requested that all correspondence be sent to the forwarding address. Despite these repeated notifications, XXXX XXXX continued to send correspondence to the property address. 
XXXX XXXX clearly has the forwarding address on file and actively uses it, as regular mortgage statements are consistently mailed to the forwarding address. However, foreclosure-related and time-sensitive default notices were not sent to this address and instead continued to be mailed only to the property address, despite XXXXXXXX XXXX actual knowledge that mail sent there was being returned. 
Critical notices regarding cure periods and foreclosure timelines were never received by us because they were mailed to an address XXXX XXXX knew was ineffective. These notices were returned as undeliverable. The selective use of addresses sending routine correspondence to the forwarding address while sending foreclosure notices only to the property address prevented us from receiving timely notice and the opportunity to cure the default. 
XXXX XXXX also continues to mail and post notices at the property, visibly signaling that the home is unoccupied and exposing us to risk of trespassing or squatters. 

Denial of access to account information For several years, we have not had functional access to XXXX XXXX online account portal. Despite repeated complaints, this issue has never been corrected. As a result, we have been forced to make payments as a guest, without reliable access to statements, notices, or account history, impairing our ability to manage and monitor the loan. 

Improper credit reporting XXXX XXXX reported late payments that resulted directly from their refusal to accept payment or offer reasonable arrangements. This reporting is inaccurate and misleading because it reflects nonpayment caused by the servicer. This reporting blocked our ability to refinance or otherwise resolve the delinquency using available equity. 

Equity stripping / foreclosure acceleration At the time this began, the property had approximately {$160000.00} in equity. XXXX XXXX refusal to accept payment, refusal to negotiate, repeated disregard of the forwarding address, selective mailing of foreclosure notices, and damaging credit reporting prevented us from curing the default and appear designed to stack fees and accelerate foreclosure rather than resolve the delinquency. 

Fair treatment concerns We are concerned that we may not be receiving fair or equal treatment. We are an extreme minority in the area where the property is located and are the only XXXX couple in the immediate area to our knowledge. While motive can not be determined, the pattern of obstruction and foreclosure acceleration raises concerns that warrant investigation for compliance with fair servicing and fair lending obligations.

Company response to consumer: Closed with explanation