Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Nations Direct Mortgage, LLC
State: AZ

Complaint narrative:
XXXX XXXX Loan with Nations Direct Mortgage Co # XXXX We got behind on our payments XXXX and XX/XX/XXXX. We started a loss mitigation package with nations direct. And along came another company called XXXX XXXX XXXX in which was supposed to help us save our home and reduce our payments and our interest rate. It was a loan modification program It sounded too good to be true. We paid them from XXXX to XXXX. XXXX we tried and tried to call them with no response. They basically took {$7500.00} from us to help us save our home but changed their phone numbers and address. So at the end of XXXX we contacted nations direct again, and started another loss mitigation package/application. I sent them everything that they requested, even several items I sent several times. They made it very difficult. I sent bank statements directly from our bank website. But that wasn't good enough. They made me print out every page, and sign and date it, and then send in every page separately, it is all listed on the website that they sent me to upload documents. It's called loansolutioncenter.com I can give you the username and password if needed because all the documents are still there. Early XXXX, they sent us a rejection letter stating that we did not provide the documents that they requested including paycheck stubs. They are all there uploaded onto the site, right there in front of their faces. They could've denied us, and that would've been different than them lying to us. The original foreclosure/auction date was XX/XX/XXXX. 
So the clock was ticking and we tried and tried to contact NationsDirect for help and no one responded. XXXX lady we called last week hung up on us. She said she was going to give us an email address and a fax number but she hung up before she did that. We were forced to go to the courthouse and file bankruptcy and we submitted the receipt to nations direct escrow attorneys to help stop the auction. They were able to postpone the auction until XX/XX/XXXX. But we are hoping that nations direct will let us resubmit another loss mitigation application or just review what we've already submitted and help us to lower the payment so that we can stay in our home. Our income has changed as my wife went back to work in XXXX working XXXX jobs to try to help us. XXXX XXXX XXXX XXXX, and Have not been able to travel like I used to. XXXX shut down my travels & income complete My wife and I are the cofounders of a business/ministry that we have managed for over 30 years. We do not feel like we were treated fairly with nations direct mortgage company in their loss mitigation department when we submitted everything they asked for. We will probably need to do a separate complaint for XXXX XXXX XXXX. But I wanted to include that part of it because that's the whole story of how we got here. We wanted to try and save our home from the very beginning of when we could not make the payments. We trusted XXXX XXXX XXXX and we trusted nations direct mortgage company to help us. We were at their mercy because we do not have tons of money to hire attorneys to fight this. Our XXXX son still lives with us. We don't have the finances to move to an apartment or a rental house and we want to stay and keep our home. We are XXXX & XXXX. We do not want to continue with the bankruptcy if we can get nations direct to help us.

Company response to consumer: Closed with explanation