Consumer complaint received 2024-05-05 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: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
I am a victim of domestic XXXX. HUD told me to tell my story to the CFPB. Round Point Mortgage LLC. has been completely unwilling to help us with regard to our situation. In fact, they're forcing our home into foreclosure with a public sale on XX/XX/year>, even though I paid the loan modification terms. My ex husband is refusing to sign the loan modification papers because he wants the home in foreclosure. Please contact my attorney for verification of this. I have been trudging through a very nasty, tumultuous divorce with my ex who is still on the deed for the house. 

I've had numerous scary encounters with my ex as has our six-year-old son who also lives in our home. There have been restraining orders placed against him and now a no contact order is in place. 

The courts awarded me temporary, singular ownership of the home. After coming off a covid forbearance, and knowing full well the extent of our circumstances as I requested mortgage assistance, Round Point offered a loan modification. I paid the amount agreed upon, but because my ex refused to sign the loan modification papers, Round Point sent our home into foreclosure. 

My ex stated he'd rather send the home into foreclosure as yet another power and control tactic. Even though I can and did pay the amount alloted for the loan modification terms. 

No extension for our final orders hearing was offered, nothing.

I can and have paid the mortgage. It is my position that Round Point cares very little about women and children who are victims of domestic XXXX and the company seems to lack ethics in general.

Round Point has refused to help us without me coming up with the forbearance amount which is upwards of {$17000.00} and some change. I am in the middle of a divorce, Round Point. A scary one. People lose their lives from situations like this and offering no options to us, no support at all feels cruel. I know your hands are not tied and someone can do something. There are laws protecting people like me.

My ex is refusing to sign the loan documents when I've been the only one paying on the mortgage or corresponding with Round Point for years.

Furthermore, I can not even request documents from Round Point because they will simply not send them. I need those for my final divorce hearing XXXX. I haven't ever received a single document I've requested from Round Point.

Just a thought Round Point, maybe you could have extended the deadline for those mortgage documents for XXXX, so I could at least had a divorce decree before sending our home into foreclosure. Why, Round Point? Why would you be so cold and unhelpful? There has to be protections for people like us. Domestic XXXX protection available for home owners exists, I am sure of it. 

This man abused us and then abandoned the family home. He has paid nothing towards our collective debts or the mortgage. Round Point is an unethical company who remains silent in troubling circumstances. 

The bottom line is we need help and if Round Point isn't going to help us, then they may as well be in support of what had happened to our family.

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