Consumer complaint received 2025-08-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Weinman Acquisition Group
State: NJ

Complaint narrative:
I responded to a letter in the mail with the heading, " New Jersey Resident Eligibility Notice '' on XXXX XXXX, XXXX. The notice stated, " I am eligible for a special mortgage adjustment program guideline created in conjunction with the XXXX CARES-Act Homeowner Assistance Fund or Lender Specific In-House Mortgage Adjustment Program. After speaking with a representative on the details and completing an " eligibility '' questionnaire, I received a " Congratulations '' approval email from an agent with Allied Legal Assistance. From that day forward, I received weekly emails requesting specific documentation. On XXXX XXXX, XXXX, I sent an electronic check for the retainer fee in the amount of {$980.00}. Once Allied Legal Assistance completed my submission packet, they requested the final payment of {$1000.00}, which I sent on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I received the Loan Restructuring Package from Allied Legal Assistance and mailed the documents to XXXX XXXX XXXXXXXX XXXX XXXXowever, because the Allied Legal Assistance Processor gave me the wrong XXXX XXXX address, my package was not received by XXXX XXXX until three week later. Even so, it was denied because XXXX XXXX stated I was not delinquent in my mortgage payments. I mentioned to my XXXX XXXXXXXX that Allied Legal Services offered me a two-month grace period from mortgage payments and was told that Allied has no legal authority of grace periods when it comes to my loan ; only the loan originator can extend that courtesy. I sent a follow-up email on XXXX XXXX, XXXX to Allied Legal Services Processor XXXX XXXX XXXX , explaining the conversation I had with my XXXX XXXX. In that email, I also stated that my {$2000.00} monies need to be refunded to me based on " ... misleading information and withholding details regarding eligibility ... ''. Obviously, they did not refund my money, but instead, suggested filing a Resubmission Package. On XX/XX/XXXX, I received an email from Allied Legal Assistance Processing Agent, XXXX XXXX, stating their Legal Department feels that my lender is not complying with guidelines and regulations and attached a document to request a QWR from XXXX XXXX, and she added that their Legal Department, make sure you get the approval. Shortly after, I signed and mailed the QWR paperwork to XXXX XXXX. On XX/XX/XXXX, I received another email from Allied stating, " ... there have been a few discoveries of violations on my loan. '' On XX/XX/XXXX, I received an email from my new Allied Processor XXXX XXXX asking me to sign the attached " Release and Liability Form ''. When I read the document, I had a few questions, so I explained to XXXX XXXX that I did not have to sign this document with my initial submission and questioned why the requirement to sign it for this resubmission and that it sounds to me that if I sign this document, I will be out my {$2000.00}. Her corresponding email stated that the form must be signed and dated in order for the Legal Department to release the Resubmission Package to XXXX XXXX. So, I signed, dated, and returned the document. On XX/XX/XXXX, I received a phone call from my XXXX XXXX XXXX XXXX informing me that, once again, my loan modification was denied based on the same issues as the initial submission, " ... your loan is current and not in default or delinquent status ... '' I contacted XXXX XXXX via detailed email on XXXX XXXX, XXXX, with this information and requested, once again, a refund of my monies. The next day, I received an email stating she no longer has access to my file and will forward my email to the appropriate department. On XXXX XXXX, XXXX, I receive a USPS letter from Allied Legal Services stating, This letter serves as a final correspondence in reference to the services we performed on your mortgage adjustment file

Company response to consumer: Untimely response