Consumer complaint received 2025-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I submitted a application for loss mitigation by mail. I continued to get letters from loan lender XXXX dated after application was submitted. I then went online to resubmit the application. I received a error stating my application is pending and I could not submit. I continued to receive letters in the mail with loss mitigation applications. I called and spoke with XXXX and they stated they do not have the application. I resubmitted online and paper application again XXXX. I received verification online application received. On XXXX I received a loss mitigation payment terms and agreement with a supplement payment for XX/XX/XXXX, and XX/XX/XXXX and payments starting XXXX XXXX in the amount of {$1600.00}. My original payment was {$1800.00}. I then received a letter on or around XX/XX/XXXX stating my loan is being transferred to Planet Lending effective XX/XX/XXXX. I attempted to set up my account on Planet Lending website for automatic payments but received a error to call them. I then emailed planet my payment agreement so that I can set payments up. I called Planet to inquire why I was not able to set up my account online. They stated they do not have the terms of my loss mitigation from the previous lender and that I needed to resubmit a loss mitigation packet. I made the rep. Aware that I also emailed planet my loss mitigation approval and payments. The rep stated that they never received it. I stated that I received confirmation that they received it and gave the date. I was told they did not get it and resubmit the application. I asked to call back so that I can contact XXXX so they can send this information. After speaking with XXXX, they stated that they sent my entire file with the terms of agreement and payments to Planet Lending. I then called Planet Lending back and explained to the representative. She then made me aware that they do have the terms of the agreement and payments but the payments from HUD is in XXXX name and needs to be in Planet name so I need to resubmit thus application and my payments and terms would still be the same. On or around XX/XX/XXXX I resubmitted the loss mitigation application and told wait 30 days. I continued to get text messages from Planet telling me to call. I called and the representative stated my application is under review and disregard the text messages. On or around XX/XX/XXXX I received a letter from Planet Lending stating that they reduced my payment to help me get on Track from {$1800.00} to {$1700.00} and I need to pay on time for 3 months and no other information. I need to accept this agreement by XX/XX/XXXX and payments start XX/XX/XXXX. I contacted Planet Lending to inquire about the amount and how this was calculated because I only have {$20.00} to help me get back on track with payments as my income is {$2200.00} monthly and I have my follow-up appointment after XXXX XXXX then I would be able to go back to work full time. The representative stated she cant give me that information. I asked why was I told my payment agreement would be the same terms as my approved mitigation and the name for payments is what will change. I was told she do not know. Well I have 2 weeks notice for the payment. I later received a message from my previous co-worker stating the girl next door is upset because I am using her grandmother address and I am stealing her grandmother with XXXX address. I explained this was not true and gave my contact information. I got a picture of a court summons from foreclosure. I apologized and made them aware that I did not and have no intention of misusing the elderly and it could be a error somewhere. As I am a XXXX  and the last thing I need right now is to loose my XXXX license for fraud or abuse. I called the mortgage company back with the lady on the line as well to inquire why would they change my address when they have spoken with me numerous of times verifying my address and phone number. Planet verified my address and stated they do not know why the attorney went to that address and she does not have any other address for me. So how do I contact the attorney to have them bring the documents to my house and I cant drive to XXXX to get the papers that should have been delivered to my address in which the XXXX XXXX court house in 5 minutes from my house. The rep stated she does not know. I and its public information so I can look it up online. I then asked why didnt I receive a letter intent to foreclosure or anything. She stated that your previous lender would have sent it. I explained my previous lender stopped foreclosure due to my loss mitigation agreement I never received anything from anyone and can she mail or email me any documents notifying me of foreclosure. The representative stated they do not have any. I asked for a breakdown of fees and balances as now I have 2 foreclosure fees and fines from each lender. 2 foreclosures all for 1 house. The representative stated she cant give this information but if I am responsible for all these fees, how would I know how much.? The representative states she does not know what kind of document this is. I inquired why did they make me resubmit the loss mitigation and while reviewing my application hurry and file foreclosure. She stated thats the policy.

My biggest concerns, 1. If I was already approved for a partial supplement for Loss Mitigation that was approved, why did they change it and not allow me to submit payments under my agreement?

2. Why do I have to resubmit loss mitigation application as if I ignored my mortgage until XX/XX/XXXX when I applied in XX/XX/XXXX. 

3. I was tricked being told my terms would remain the same, and the payment from HUD needed to be in the new lender name instead of XXXX? 

4. I feel I was tricked to resubmit loss mitigation application so while they review my application they file for foreclosure.

5. I believe they served my foreclosure documents to the wrong address while fully knowing my address so that I would not know that they filed this foreclosure while reviewing my application.

6. Planet Lending still has not served me the foreclosure summons but I have received advertisements from attorneys because I am in foreclosure.

7. I still have not received a letter stating they intend to foreclose or any notification whatsoever regarding pursuing court.

Company response to consumer: Closed with explanation