Consumer complaint received 2019-07-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Quality Loan Service Corporation
State: NV

Complaint narrative:
XXXX XXXX XXXX  Fraud- illegal foreclosure My husband XXXX XXXX took out a XXXX XXXX XXXX XXXX XX/XX/XXXX for {$300000.00} for our home at XXXX XXXX XXXX XXXX XXXX NV XXXX through XXXX XXXX XXXX . On XX/XX/XXXX, XXXX was hurt in an industrial accident and denied emergency medical attention by his employer despite them knowing his serious established service connected disabilities that they received tax incentives for. This delay in medical attention caused his injury to be prolonged and his workers compensation claim was initially denied. This further complicated his care, leaving him no choice but surgery. Although the surgery helped him, and XXXX struggled to return to his position, his attorney failed to secure any rights and he suffered a XXXX loss in pay. He was not able to continue employment and was forced to resign in XX/XX/XXXX. 

It took quite a while to secure his retirement and his VA claim also took quite a while forcing us into bankruptcy. Foreclosure proceedings started in XX/XX/XXXX and we were offered a modification plan. In XX/XX/XXXX, XXXX and I had a falling out while he was changing medications and we separated. XXXX changed his address out of state. All of the house paperwork went to his new address with my name on it. 

During this time, XXXX changed the address with the post office and I did not approve of this, as he granted me VA Power of Attorney. Our mail started to disappear. We lost several checks, credit and debit cards. 

I filed an Inspector General complain with the USPS Number XXXX. I never signed certified mail for a foreclosure and was never referred to a hud counselor. I thought that we were in a modification agreement. When there was a notice put on my door for foreclosure, I attempted to call Quality Loan XXXX, the Trustee on the loan and XXXX XXXX to inform them I needed to speak to a counselor. XXXX XXXX gave me an option to bring the loan current on XXXX hour in the amount of {$49000.00}. I contacted Quality Loan and let them know I had not spoken with a counselor and was told to call back to speak with the legal department. The legal department said they were not the attorney and asked me to call the attorney several times moments before the sale. I was able to communicate via TTY relay service to Attorney Goulding. He could not remember his Bar number, was not aware of anything in our file and had not reviewed any of the paperwork personally. He is not licensed to practice law in the State of Nevada, where the home is.

There should have been a guarantee on the loan of {$62000.00} by the VA but the home was still foreclosed on by Quality at XXXX, XX/XX/XXXX. 

There is mail theft involved and mortgage fraud. Further details, notes and tty transcripts are available. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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