Consumer complaint received 2025-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Aspen Yo LLC
State: AL

Complaint narrative:
I am filing this complaint because my mortgage servicer continues to claim I have missed payment on my mortgage despite the fact that I have never missed a single payment since the loan began. For the last six months, I have sent verification of my annual mortgage payments twice each year, including detailed documentation such as bank records, and payment confirmations. Each time I provide the proof, the issue temporarily seems resolved-only for the same accusations to resurface months later. 

On XX/XX/XXXX, I received a phone call from XXXX XXXX stating my mortgage payment was a month behind. I forwarded to XXXX XXXX  a copy of my bank payment history dated XX/XX/XXXX - XX/XX/XXXX. The bank statement includes both payments the mortgage company reported as missing. XXXX stated they would initiate an investigation. 

On XX/XX/XXXX, I contacted XXXX XXXX  to make the XXXX monthly payment and was asked at this time if I would be making a payment for XXXX and XXXX. I inquired about the investigation mentioned when I received the call from XXXX in XXXX. I learned on this call that the payment from XXXX had not been resolved and XXXX ' payment was missing. I requested to speak with a supervisor. The supervisor then informed me the missing payment in question was not for the months of XXXX and XX/XX/XXXX but for XX/XX/XXXX. I then forwarded a copy of my bank history dated XX/XX/XXXX - XX/XX/XXXX reflecting all payments made on time. I contacted XXXXXXXX XXXX  3-5 days later and learned they received all information and would start an investigation. 

I contacted XXXX Mortgage on XX/XX/XXXX to make the XXXX monthly payment and was asked at this time if I would be making a payment for XX/XX/XXXX. I informed the representative that I had made XXXX 's payment on XX/XX/XXXX in the amount of {$470.00}. Again I forwarded a copy of my bank history from XX/XX/XXXX- XX/XX/XXXX. XXXX again stated they would iniate an investigation. I was instructed to continue to make monthly payments by the XXXX of each month. I have made payments each month in the amount of {$470.00} since that conversation with no issues until I receive the Default Letter on XX/XX/XXXX. 

On Wednesday, XX/XX/XXXX XXXXXXXX XXXX informed me they received a 12 month payment history from my bank but they had not received previous history payment from the previous mortgage holder which was Gregory Funding. Gregory Funding was the previous mortgage holder from XX/XX/XXXX- XX/XX/XXXX. All monthly payments were made to Gregory Funding and are shown on the bank statements. XXXX has reached out to Gregory Funding and have not received a response. XXXX became the lienholder of the mortgage in XX/XX/XXXX. Gregory Funding payment history documents range from XX/XX/XXXX- XX/XX/XXXX. File is larger than 10KB and unable to upload. 

Most recently, I received a formal Notice of Default dated XX/XX/XXXX, even though I submitted all required documentation again earlier this year. Current payments for the year XXXX have been attached for review. The recurring issue has caused me unnecessary stress, risk of foreclosure and potentially damage to my credit.

Company response to consumer: Untimely response