Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — FHA 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: Statebridge Company
State: VA

Complaint narrative:
With current servicer : XXXX Foreclosure scheduled XX/XX/XXXX, called loss mitigation specialist assigned he asked why i hadn't called sooner, that it was too late now & nothing he could do. He called back within 5 min, said I had to get my own insurance, that he'd rework mortgage then get back to me in a couple weeks. 
Letter arrived XXXX saying since I had not called him the deal was null and void & foreclosure process would begin again ( I understood it that HE was supposed to call ME after he was done reworking mortgage ). 
Foreclosure scheduled for XXXX. 
Filed bankruptcy XXXX. 
Bankruptcy denied for income reasons in XXXX Foreclosure scheduled for XXXX Called to discuss available options w servicer a few times, each time told he was busy, out of the office, etc to call back. Finally morning of auction ( possibly day before ) he answered long enough to say it was too late to stop that or discuss options, I said okay well we still need to discuss the amt owed & as I was talking, since he had already said all he'd planned to to me, the call was ended as I was talking. 
Filed bankruptcy XXXX, denied again in XXXX, foreclosure scheduled for XX/XX/XXXX I have called many times now resulting in a few hang ups ( dropped calls ea time according to them ) I called main number requested to speak to supervisor or ANYONE other than current guy that has since day one of my attempts in communicating w him been flat out rude, arrogant, too busy & could care less what my family has been going thru to put us in the position of losing our home. Basically letting us know no matter the tremendous battles we have faced, nothing could possibly be that bad, we must just be lazy & therefore get no chance to make this right, get current or keep our home no matter the circumstances surrounding our needing assistance. I have also been calling w intention of discussing the amount due which I've never gotten opportunity to do due to calls dropped while being transferred to him, or while on hold waiting for someone to get him, & /or waiting on callbacks from him or supervisor or ANYONE w this co.

I do not even know when the mortgage was transferred to statebridge I was still working w XXXX  on the amount of loan being wrong by $ XXXX after the previous XXXX  transferred it to them. Even though this amount has been lost in the shuffling of paperwork & transferring of loans, the fact remains there IS a FOURTH XXXX XXXX XXXX ERROR that needs to be addressed & SHOULD NOT be any part of my debt owed. Let 's just say I purchased this house for XXXX & I believe according to last paperwork seen my balance is now OVER XXXX. 

Reinstatement amount of XXXX was paid & stopped 1st foreclosure auction scheduled XX/XX/XXXX XX/XX/XXXX statement balance showed XXXX did NOT reflect payment from previous month it still showed reinstatement amount due AND HAD ADDED AN ACCELERATED LOAN AMOUNTOF XXXX XX/XX/XXXX also received letter loan was being transferred to a second XXXX  servicer. 
XXXX, XXXX new co sent statement showing 1 month due so obviously the reinstatement taking care of past due was applied & a XXXX past due was transferred to them. HOWEVER THE PRINCIPLE balance due showed XXXX!?! Where did the XXXX go?? Oh! They applied it to the ACCELERATED AMOUNT DUE, NOT THE PRINCIPLE XXXX DUE BEFORE THEY ACCELERATED. 
.YET AFTER THEY HAD ACCEPTED OUR REINSTATEMENT OF ALMOST XXXX. 

I can not get this issue addressed, just pushed off by them long enough to sell our house out from under us it seems. 
Just a little peek into our hardship, our vehicle was stolen so getting around or to work etc came to a screeching halt, if you think that is bad it is nothing at all when you add a child having an accident resulting in 3rd degree burn of hand & lower arm rushed to burn center HOURS away from home that required MULTIPLE surgeries, skin graphs, pins added to every finger, webbed fingers from skin melting, etc etc & MANY MANY trips for procedures & check ups all out of town for qhat has been our ENTIRE XXXX  YEAR XXXX thru XXXX. I won't add all the things spiraling from that which woukd syop any oher family in thwir tracks because they seem so small to us while dealing w that. When you put it all together, have no help, trying and doing all you have the ability to do and alot you dont just to keep it together best one can & all you get is hang ups, no return calls, spoke to as if I asked for ANY of this,, well I'll say I know why people give up & stop trying. It's too much, if they take our home we have nothing and no where so I guess the XXXX won't matter much as they can not collect that or any of these medical bills that are now XXXX that easily or any thing else from XXXX ' under. It'd just be nice if people could TRY to do the right thing, itd make others MUCH MORE APT to keep trying to fight the good fight instead of taking one sneaky hit & sucker punch after another then still expected to get up, maybe see someone trying and give them a hand to, not a hand out. If someone is trying and doing all they can to help themselves & it does not affect you one way or the other, why would you not take the 30 sec to help them up rather than take the 30 min to knock them back down. Too personal w emotion now. Facts are above.

Company response to consumer: Closed with explanation