Consumer complaint received 2022-06-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc.
State: CT

Complaint narrative:
In XX/XX/XXXX I did a refinance of an FHA backed government mortgage with American Financial Network. During this refinance I did a XXXX XXXX XXXX to XXXX XXXX Connecticut for a closing with XXXX XXXX who did the closing without any notary at around XXXX XXXX  and in no way legally. The closing costs were massive or over XXXX From this time Covid hit and my income dropped, which required a forbearance and a loan modification to be applied for thereafter. I have recorded every call and communicated with American Financial Network countless times and then was told that I needed to talk to XXXX. My secretary who is no longer employed would send in the required documents with my help over, and over, and over. 

Also in XXXX my mortgage was actually paid off or paid down substantially by my now deceased father in law. This was looked into by American Financial Network and XXXX and they have to this day given me the run around about the mortgage being paid off in full. 

Every time the required documents were sent in I was told that they either didn't have the documents ( that were sent numerous times by email and can't be disputed ) or I was continually told that I needed one document from one worker and another worker said that the paperwork was already submitted and all set. I had numerous issues with workers telling me how to talk, what tone of voice to use, and they regularly transferred and never told me specifically what they needed. This happened countless times as I have a XXXX wife, XXXX child, and am a XXXX veteran. 

I recently, in XX/XX/XXXX submitted documents that were requested which are not normal loan modification papers, or namely proof of payoffs related to XXXX liens for work done on property. I was told that because there was a mistake or a draft of a document done by previous counsel in the paperwork that was sent in late XX/XX/XXXX that they would not do the loan modification and the workers who called me from blocked numbers also said that they intended to foreclose on my property because they know I don't have the back payments for many months and that they will have an inside foreclosure buyer they know buy the property for a kickback under the table to XXXX. They ( XXXX ) said that they will do as they want, make whatever claims they want without any need to hear my side, and are not required to follow the terms and Federal regulations about forebearences and loan modifications related to covid. 

XXXX said they are the largest and most powerful loan servicing company in the country and have more than enough money to squash a fly speck nothing like me. I need loan modification done or to start regular payments without my credit being decimated as well. In this XXXX promised to deliver. 

Please review all the calls and you will see that i CONTINUALLY CALLED XXXX and American Financial Network continually in order to stay on top of loan modification and get on regular payments per the covid rules and save my house where I as a XXXX Vet raise my XXXX child and care for my wife who has a medical condition. XXXX  workers have continually given me conflicting information as phone call records will show. It is 100 % guaranteed that they will claim that I called numerous times unnecessarily and that as a result there are countless inconsistencies by workers at XXXX and American Financial Network. They would never break it down and specifically tell me if there was a problem and how. I sent them everything that they requested every time within a few days time. They had a vendetta against me because I spoke up about workers being inconsistent, telling me what tone of voice to use, not giving me the information that I needed and then making issue with a draft sent by my lawyer to me of a document which was not intended for the loan modification. This document was sent accidentally by wife in XX/XX/XXXX and violating my attorney client privellidge allowed for XXXX  to get the justification they were seeking with malice and premeditation to deny me modification or full forbearance in line with the Federal Law in order to get kickback taking property and also silencing me in retaliation for me making complaints at the management team at American Financial Network and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation