Consumer complaint received 2017-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC
State: NC

Complaint narrative:
I, XXXX XXXX, am submitting a complaint against Pacific Union Financial LLC. This is in reference to Case Number XXXX that was submitted on XX/XX/XXXX against XXXX XXXX. In XX/XX/XXXX we were contacted by XXXX XXXX XXXX ( Pacific Unions Attorneys )  that they had started a foreclosure against us ( my husband XXXX & me ). I tried contacting XXXX and was unsuccessful. I contacted Pacific to let them know that we had signed a contract with XXXX to modify our loan. Pacific stated that they never heard of XXXX. This is when we discovered that we had been scammed by XXXX. I contacted the NC DOJ and you all ( CFPB ) I also reached out for assistance with the HUD office in XXXX County. Our HUD counselor, XXXX contacted Pacific to let them know that she was representing us from that point thereon. She wrote letters to them to make sure that they werent negotiating with XXXX concerning our loan. She made a phone call to Pacific unknowingly with us sitting in her office to find out the status of our modification. They said that they had been working with XXXX and I yelled out how can this be true when Pacific said they didnt know anything about XXXX. The Pacific Rep sked her was that XXXX XXXX and she told him yes and that we were sitting in her office listening to the call. He told her to send a written statement signed by us to release XXXX from handling our loan and we did. He said Pacific would be contacting her soon about the status of the modification. As of XX/XX/XXXX they were still working with Homestead after the fact. We have appeared in Court twice for a foreclosure hearing and suppose to go back again in XX/XX/XXXX. Pacific has denied us twice this year for a modification. I have gone to my Doctor and got her consent to work part-time to satisfy Pacific about our income being too low. They have run up the arrears to almost {$20000.00} and not including attorney fees. They are angry because we found out that they were in on this scam with XXXX all the time. They are purposely delaying time so that they can foreclose on our home. Im sending all of the papers to prove that Pacific lied about knowing XXXX and didnt cease working with them in spite of notification from us. Pacific and XXXX need to be held accountable for messing up our FHA loan. We complied with everything they asked us to do and showed proof of more income. I dont know why I had to do this when I had the same income as I did whenever Pacific accepted our Mortgage. I dont trust anything else they say or do. They have told too many lies and disrespected our HUD counselor as well. They alleged that we told them to cease and desist us from our own loan which never happened, and then they alleged that we told them that XXXX was our Attorney. I never experienced such un-professionalism in my life. They act as if this is some game they are playing ; this is our home of seventeen years. We started out with a {$140000.00} mortgage loan in XX/XX/XXXX and now its {$180000.00} and counting. Whats going on? This isnt right or legal. Please help us to keep our home. Also sending a copy of a mortgage proposal that we never signed. These are n't our signatures and we did n't accept it whatever it was. Please help us!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation