Consumer complaint received 2026-02-12 00:00:00
Product: Mortgage — Conventional home 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: Data Mortgage Inc.
State: OH

Complaint narrative:
Essex mortgage has sent my fathers home into foreclosure even after dozens of proactive calls and emails by myself to stay ahead of potential foreclosure and request time to gain possession of the property through probate and work with them to keep the loan in good standing. 
My grievance is way Ive been treated by Essex  Mortgage following my fathers death on XX/XX/XXXX. Ive attached the email chain of communications so you can see Ive been very diligent with my communications with Essex. I began reaching out right away. I placed my forst call with their customer care team on XX/XX/XXXX and as you can see my first email message was dated XX/XX/XXXX. Aside from the emails, there have been many phone calls with either customer care or the loss mitigation teams over the past few months. Specifically, I scheduled an initial face-to-face with XXXX XXXX on XX/XX/XXXX and it was canceled without notice and automatically rescheduled to a later date on XX/XX/XXXX with XXXX XXXX During this call , I expressed my intention to avoid foreclosure and sell the home as soon as its through the probate process in XXXX XXXX Courts. XXXX advised me theres no current threat of foreclosure and theres nothing to worry about at the moment. She advised me to check in every few weeks to make sure that doesnt change. To my surprise, on my call with XXXX XXXX on XX/XX/XXXX, the foreclosure process has already begun dating back to XX/XX/XXXX where the first {$30.00} fee was applied to the account. Since then, they have charged {$1000.00}, {$280.00}, {$370.00} and another {$30.00} worth of foreclosure fees with absolutely XXXX notice to me whatsoever. I have never once been contacted by a representative of Essex Mortgage with any information at all. Every single communication has been initiated by me. Every single one. 
All Ive asked for is communication from Essex on whats happening with the loan, and I have never once received it. Its to no ones surprise that the probate process takes time and I have expressed many, many times that all I need is time to sell the home and avoid foreclosure while the house is in probate. 
In my call with XXXX XXXX today, he stated the loan has already been handed over to the lawyer firm, XXXX and XXXX, and I would need to work directly with them to avoid foreclosure moving forward. I tried to make the overdue payment and they wouldnt even accept it, repeating over and over that I would have to deal with the lawyers. 
I have done everything Essex has asked of me along the way of getting Successor In Interest ( SSI ) approval after several misdirections by the Customer Care team. On multiple occasions, they asked for the incorrect documents and misplaced documents I had already submitted and I asked me to submit them again. I ask that the account be reviewed and reconsidered for these fees to be removed due to no warning or communication that this would happen prior to XX/XX/XXXX.

Company response to consumer: Closed with explanation