Consumer complaint received 2023-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: NM

Complaint narrative:
Roundpoint gave my mom XXXX XXXX a home mortgage loan for {$50000.00} the house is valued at {$120000.00} my mom did not even meet the financial criteria to even get the loan that's what roundpoint said but they said they waive the minimum Financial criteria to give her the loan with any year she started to fall behind on payments for a couple of reasons one because they were double charging or flood insurance on escrow she would send them blood insurance then they would charge her their own and then she couldn't make the minimum payments because she didn't make enough money just like at the minimum but they helped her on the modification of the loan but it didn't reduce the amount that much so therefore she fell behind a little bit later on they transferred it over to XXXX  she then applied for the modification again 8 months she was behind on payments they sent her a letter denying the modification saying they did not she did not meet the minimum Financial criteria I told him she didn't even meet the minimum Financial criteria to give her the loan but yet you won't help her out to help her get this remodification because she didn't meet the minimum Financial criteria she didn't mean it in the first place how could you deny it and then they waited 5 months to give another reply and said now we have to deny it because now she's over 12 months behind I said how come it took you almost 5 months to reply to that they gave me no explanation they kept calling my mom everyday sending letters every day you know my mom got so stressed out she went to the hospital she has they had XXXX  on a XXXX  because XXXX  XXXX  they were calling her at the hospital wanting to make a payment when she's in a XXXX  I told him to stop calling the hospital my mom became bad written she was XXXX crying on the phone they would make my mom cry well when she died like 4 months after all of sudden roundpoint starts to foreclose they don't mention XXXX at all in the foreclosure process it's still you know in foreclosure but how can they foreclose on a house when they weigh the minimum Financial criteria to begin with but yeah it won't help her out on the modification because she didn't meet the minimum Financial criteria it just sounds like the mortgage company is trying to profit off low income people also I came up on a on a little bit of money I sent XXXX {$35000.00} they sent it back to me said it wasn't certified check I said it doesn't have to be a certified check because on the on the contract it could be any check we sent checks for payments all the time and anyhow there's a confirmation on the bottom of that check and and XXXX XXXX XXXX payment on the check and there was a confirmation number on there but they sent it back and the reason why they sent it back so round pointer for clothes on it sell the house keep the profits and XXXX with getting and I'll get a little bit of more Commission they knew my mom was dead but now around Point acts like they don't know me when I could call cuz my mom gave me permission and told them that I could call and check on the account anytime and find out information but they act like I don't exist and I want to keep the house I begged with these people let me restart the loan to start me from scratch they won't do it and now they charged almost {$15000.00} in attorney fees so far trying to get a hold of my other brother heirs and stuff like that you know things that don't even even pertain to mortgage they just keep on attacking fees because they're trying to find my brother or something to that effect and they just keep on attacking fees now out of {$30000.00} that was owed left on the house now like {$50000.00} is old because {$20000.00} in legal fees I just don't understand I beg these people to restart the loan but they won't do it

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