Consumer complaint received 2025-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MORTGAGE SOLUTIONS OF COLORADO
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Mortgage Solutions Customer Relations / Legal Department XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : URGENT : Formal Complaint and Demand for Immediate Action Regarding Failed Deed-in-Lieu Process, Unjust Foreclosure, and Ongoing Legal Issues - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Loan Account Number : XXXX Dear Mortgage Solutions Team, This letter serves as a formal and urgent complaint regarding the egregious mishandling of our approved Deed-in-Lieu ( DIL ) process for the property located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, under Loan Account Number XXXX. Your company 's severe negligence and failure to uphold its commitments have led to devastating consequences, including an unjust HOA foreclosure and an active lawsuit against us, despite our DIL being approved in XXXX. 

In XXXX, due to extreme financial hardship, we formally applied for and were subsequently approved for a Deed-in-Lieu. This approval was not merely verbal ; it was accompanied by an offer of moving assistance to help us relocate. During this period, we were in daily contact with a dedicated representative from your company. This representative consistently assured us that all necessary paperwork had been received, that everything was progressing according to plan, and that our only remaining action was to await a scheduled moving inspection. Based on these explicit assurances and our financial crisis, we vacated the property in XXXX, trusting that the DIL process was moving forward as promised.

The promised moving inspection never took place. Despite our diligent cooperation and continuous communication on our end, your company failed to finalize the DIL and take possession of the property as agreed.

The devastating result of your inaction became apparent in early XXXX when the property was foreclosed upon by the Homeowners Association ( HOA ). This foreclosure was entirely preventable and occurred solely because Mortgage Solutions failed to assume ownership and responsibility for the property after the approved DIL. Following the HOA foreclosure, the property was put up for auction, and a new individual won the bid. 

Now, in XX/XX/XXXX, we are being sued by the individual who purchased the property at auction. This legal action is a direct and horrifying consequence of Mortgage Solutions ' failure to complete the DIL process that was approved almost two years ago.

Adding insult to injury, your company continues to send us monthly mortgage statements, totaling over XXXX XXXX in alleged outstanding payments. Let me reiterate : We have not lived in that property since XXXX, having vacated it due to our financial crisis and under the explicit understanding that the Deed-in-Lieu was being processed and finalized by your institution. We bear no moral or legal responsibility for these charges.

We demand the following immediate actions from Mortgage Solutions : Immediately apply the approved Deed-in-Lieu, retroactively effective to XXXX, acknowledging your legal possession of the property from that date forward.

Cease and desist all further attempts to collect mortgage payments from us for this property. All outstanding balances must be XXXX  out.

Immediately remove our names from all legal documents pertaining to [ PrXXXX XXXX  ], including but not limited to the property title, any outstanding liens, and all records associated with mortgage debt.

Take full responsibility for the property and resolve all legal issues arising from your failure to finalize the DIL, including the ongoing lawsuit from the current property owner. We expect Mortgage Solutions to intervene in this lawsuit and indemnify us from any liability whatsoever.

Provide written confirmation of all actions taken to rectify this situation within ten ( 10 ) business days of the date of this letter.

We have acted in good faith throughout this arduous process. Your company 's inexplicable failure to complete an approved DIL has caused us immense financial distress, significant emotional trauma, and severe legal repercussions for a property we believed was long out of our hands.

We expect a swift and comprehensive resolution to this grave matter. We retain all rights to pursue further legal action should this situation not be rectified promptly and completely. Also I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran dealing with a lot of health issues. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation