Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mortgage Research Center, LLC
State: MO

Complaint narrative:
On XX/XX/year> I spoke with a XXXX XXXX representative in regards to what to do after my forbearance plan ends. I was told by the representative that I would receive an application for loss mitigation via mail, that I would need to fill out and mail back within 30 days. Instead of receiving the application for loss mitigation, XXXX XXXX sent me a letter on XX/XX/year> stating that they had received my application and requested I fill out an affordability questionnaire and mail it back to them. I never received, filled out, reviewed or signed any application for loss mitigation. On XX/XX/year> I received several calls from XXXX XXXX. The first call was at XXXXXXXX XXXX and lasted 5 minutes and 59 seconds. I spoke with a XXXX XXXX loss mitigation representative named XXXX. During the call I repeatedly requested my documents so that I may fill them out and sign them, as I did not feel comfortable allowing someone to fill them out and sign them for me over the phone. Each time I was denied any documentation whatsoever, as the loss mitigation representative demanded that I complete this process over the phone. I was very uncomfortable with how I was treated during this as I know that I was being lied to, so I disconnected the call. The following call was at XXXX XXXX. I called XXXX XXXX back and complained about the mistreatment, then again repeatedly requested the loan modification application to be sent to me. I was told by the first two representatives that in order to discuss my account, they needed the last four digits of my social security number. I refused several times to provide this personal information, as XXXX XXXX has no legal right to request said information, if I am simply asking for a blank loan modification application to be sent to me. The representatives continued to pressure me into giving them the last 4 of my social, as to which I became increasingly uncomfortable. I still needed to obtain the loan modification application however, so I finally provided them with the personal information they were demanding. I began to request the loan modification application and all documentation related to said application again. The representative told me that she had mailed a copy of it to me. I then asked her if the loan modification application will also contain disclosures related to the loan modification process, as to which the representative stated, " No it will not ''. This is a violation of federal mortgage servicing laws and state disclosure requirements. The final call was at XXXXXXXX XXXX During this call I spoke with another representative in regards to the loan modification process. The representative stated that XXXX XXXX had already filled out the application and started the process, and that I had not sent the required documents back in time. I asked the representative why they started the process and filled out the application without my consent and without my signature. The representative began to make me feel belittled and stated that they, " Don't need my signature '' to fill out and submit documents in my name. This representatives XXXX number is XXXX. This company has committed mortgage fraud against me and and violated the Real Estate Settlement Procedures Act ( RESPA ) as well as the Fair Debt Collection Practices Act ( FDCPA ) by withholding disclosures from me, refusing to work with me and mail the loan modification application to me, lying to me repeatedly, using high pressure predatory tactics against me, and forging an application for loan modification in my name then openly admitting to, and bragging about doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation