Consumer complaint received 2024-11-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Peer Advisors, LLC
State: NC

Complaint narrative:
Hello! My name is XXXX XXXX & I am the granddaughter/Executor of my grandmother 's estate. Her name is XXXX XXXX & she has a reverse mortgage on her home that was with XXXX & then switched to Compu-Link. I do not know who to contact anymore as I am not getting any responses from XXXX at Compu-Link about this situation. 

I have contacted XXXX/Compu-Link countless times both before and after my grandmother passed away inquiring about next steps on her home. XXXX added so many outrageous fees on her account over the years that her payoff balance was much more than the house was even worth. I found this out while trying to sell her home in the summer of XXXX. She had been out of her home and hospitalized beginning on XX/XX/XXXX because her son, XXXX XXXX, XXXX XXXX XXXX XXXX  thinking he'd inherit the home. He has no clue about her financial affairs & doesn't know about this reverse mortgage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  & I had to file charges against him for the damage and theft. 

In XX/XX/XXXX, my grandmother was placed into a XXXX XXXX XXXX  because her XXXX had advanced from what he did to her. So, I really needed to get the home off of my shoulders because she could no longer live on her own. I contacted XXXX. They gave me the run around. Then, they stopped responding at all. 

Then, after she passed away on XX/XX/XXXX, I reached out again to ask what the process was of them taking over the house. I was no longer going to keep paying taxes and maintaining the home because it was no longer my responsibility. After getting the run aroundagain, I found out that XXXX switched her over to Compu-Link. I called them and emailed them. I even faxed them letters. It wasn't until XX/XX/XXXX when I sent a more rude letter that XXXX from Compu-Link actually called me on the phone. She explained to me that they had legally " taken over '' the home in XX/XX/XXXX. She told me that I didn't have to worry about anything anymore and that their maintenance company had changed the locks and everything. She also told me that they were responsible for maintaining the property. 

I drove from NC to VA in XX/XX/XXXX only to see the home with tall grass and in desperate need of repair. There was a " No Trespassing '' sign in the window from XXXX XXXX XXXX with a phone number to call if someone saw anyone going inside the home. I finally felt like I didn't have to worry about the home anymore. 

That was until XX/XX/XXXX when my grandmother 's sister, XXXX XXXX, called my daughter, XXXX XXXX, to tell her that my uncle, XXXX, got " permission '' from the court that same day & that he was going to break back into the home to see what needs to be fixed to be able to sell it & distribute monies to her heirs. Clearly, that made no sense because this home has a reverse mortgage on it & there's a Will excluding him from her assets that I sent to the Court when I was asking if I even needed to go through probate when she has no assets. I can't imagine a judge giving a person " permission '' to break into a home that they supposedly " inherited ''. 

So, I immediately emailed XXXX to let her know of his plans that night. I also emailed her a few more times showing her video of the XXXX & also telling her that I called XXXX XXXX XXXX to report his attempted break in. The man from XXXX XXXX XXXXXXXX ( I didn't get his name ) told me that they are no longer serving VA homes & that XXXX XXXX XXXX should be the new company. He said that they should be maintaining the home & should've taken their sign out of the window. I emailed XXXX to tell her this. No response. 

He didn't have XXXX XXXX XXXX 's contact information. So, I XXXX  them & sent an email to their general email box yesterday. No response. 

At this point, I would like to file a complaint against XXXXCompu-Link. They have known since the summer of XXXX that they needed to take over the house, and they've done nothing! They switched to Compu-Link & did not contact me in any way, and I was my grandmother 's POA. When I notified them of her death, I sent a copy of the XXXX and her XXXX XXXX. Still, nothing was done. 

The home has just been sitting vacant, attracting all kinds of homeless people. The grass and home aren't being maintained, and there is wildlife going in and out of the home. On top of that, my uncle is breaking into it thinking it's his " inheritance ''. 

XXXX told me in XX/XX/XXXX that even if I sold the home and there was positive equity, all of that money would be theirs. When I was trying to sell it in the summer of XXXX, XXXX told me the money would go to my grandmother. So, I got XXXX different stories. I wouldn't have wasted my time trying to clear it out, clean it up, and put it on the market had I been told the truth from the start. This entire situation has been a complete nightmare & I am still not done with this house. 

If the house has been " legally taken over '' by Compu-Link , why is the deed not updated? Are they paying the personal property taxes now? Why isn't the grass cut? Why is the home falling apart on the outside? 

There are multiple XXXX violations against this home for how it looks & the uncut grass now. I do not understand the issue but truly want this matter resolved. 

I also just spoke with XXXX from the XXXXXXXX XXXX XXXXXXXX personal property tax office who told me that the home is still in my grandmother 's name when it should be. She told me that I need to figure out when they are switching it over to their names because it should've already been done by now. My grandmother hasn't been inside that house since XX/XX/XXXX & she passed away XX/XX/XXXX. Why does it take this long to take the home over legally as XXXX advised me they supposedly did in XX/XX/XXXX. 

I can forward all communications, faxes, etc. I just want to make sure that this account is resolved & that they own/are responsible for the house. 

Thank you! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation