Consumer complaint received 2024-08-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MORTGAGE SOLUTIONS OF COLORADO
State: SC

Complaint narrative:
I had a va loan with mortgage solutions of colorado XXXX XX/XX/XXXX. I was making my payments they sent me a letter saying the servicer changed to XXXX XXXX XXXX and mortgage solutions financial. XXXX of XXXX I got a notice saying my servicer had switched to mortgage solutions financial only. Well I made payments then I got in a forbearance XX/XX/XXXX I still made my payments. They then extended my forbearance until XX/XX/XXXX. Then in XXXX they said I was still under forbearance I hadn't heard anything from mortgage solutions financial until I received some paper from their lawyer XXXX XXXX in XXXX sometime in XXXX ( they said they served me with foreclosure papers in XXXX ) which they didn't. According to XXXX law mortgage solutions financial received the mortgage back from mers XX/XX/XXXX. XX/XX/XXXX was scheduled for court we went. They then proceed to tell us it was reschedule for XX/XX/XXXX ( when in reality they filed false documents and said they sent a notice to me XX/XX/XXXX for XX/XX/XXXX court date and said they sent out another document on the same day for XX/XX/XXXX court which they actually scheduled that XXXX XXXX ) we went back to court XX/XX/XXXX I told master in equity I was never served, the description of the person didn't even match ( he ignored it ). XXXX lawyer XXXX XXXX gave me a packet of papers in the court that had payment so called information that was robosigned by a " vice president of the money source '' XXXX XXXX ( that information was incorrect ) and in the same papers robosigned again by XXXX XXXX as " vice president of mers ''. Again the information was incorrect. Well we were in the process of selling the home to a company and the master in equity said we were going to continue conversation about foreclosure through email ( which I have all the emails ) I asked XXXX XXXX who she represented she said the plaintiff. Then said mortgage solutions of colorado llc dba mortgage solutions financial. I asked for for a payoff statement and proof the mortgage solutions of colorado llc dba mortgage solutions financial even owned the loan. She had another attorney from her lawfirm email me stating " his client " XXXX '' no longer does payoff request like that and I had to contact the money source ( XXXX ) for a payoff statement ''. Now what XXXX had to do with the loan but they had sent all the papers the court used that was a conflict of interest because XXXX law was representing tms and mortgage solutions of colorado llc dba mortgage solutions financial. Also XXXX XXXX posted the house for sale prior to judgement. I asked master in equity for paperwork and I asked for jury trial. He refused and said he couldn't make a judgment in a email. ( Never scheduled a new court date ) conversation went on through XX/XX/XXXX and on XX/XX/XXXX he made a " judgement '' in a email and put the house for sale XX/XX/XXXX. His clerk of court changed documents for XXXX XXXX and sent it through email as well. XX/XX/XXXX XXXX XXXX XXXX bought the house and XXXX XXXX represented them too. I had to fight for part of surplus even though I stated over and over all this was illegal and the amounts and documents were wrong. Afterwards XXXX XXXX sent the check from foreclosure to Arizona to the money source ( again another of their clients ) well mortgage solutions financial still had wrong information on my account still had me owing the money ( took my refund from taxes I'm exempt from ) ( also took my refund from insurance ) sent those checks to the money source. The money source didn't bring judgment against me and I never had paperwork of them being a servicer or lender. But somehow they needed up with all the money and won't send me my escrow ( non deficiency judgment ) and I can't get proper paperwork from my " so called lender and servicer mortgage solutions of colorado llc dba mortgage solutions financial. '' There is so much more and I have proof of all of it. I want the original note and mortgage that they didn't provide in court. The note they provided was from rod because you could see the same photocopy marks. I want my escrow back that was supposed to have been give to me afterwards. I also want the justice I deserve ( I'm a XXXX veteran married with XXXX kids, ) we just want a fair trial because I can prove majority of the documents provided to the court were fraud and that mortgage solutions of colorado llc dba mortgage solutions financial ( who took me to court ) didn't own the loan. Also the note and mortgage was separated from the start of XX/XX/XXXX bifurcated.

Company response to consumer: Closed with explanation