Consumer complaint received 2025-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Valon Technologies, Inc.
State: CO

Complaint narrative:
This is an addendum to CFPB Complaint # XXXX. After filing my original complaint, I uncovered additional and more serious issues. 

When I requested written confirmation from Valon Mortgage regarding the statements their representative made to me by phone, he refused to include those statements in writing. Specifically, he omitted : his claim that my deferral was never actually approved, only that I was eligible, his insistence that I needed to make XXXX regular monthly payments so they could try again for a deferral, his promise that Valon would advocate for me if I did this and then, maybe I would be granted a deferral and any documentation regarding this alleged investor denial. 

This refusal to put in writing what he told me verbally feels intentionally deceptive. 

Even more concerning : my online Valon account now shows XXXX contradictory payment demands. 

XXXX box shows a full delinquent amount due in XXXX, as if no deferral ever existed. 

The second box shows a trial loan modification payment due in XXXX, which explicitly states that by making that payment, I agree to the trial modification terms even though I never requested or authorized any loan modification. 

This appears to be a deliberate attempt to push me into a loan modification after reversing a deferral they had already approved and documented. 

Valon also previously pressured me to take actions that appear financially beneficial to the servicer, not to the borrower. On the phone, when I told the agent that this felt like predatory lending behavior, he dismissed my concern by saying they were just a servicer, not a lender. His reaction felt scripted, as if he had handled similar accusations before. 

Additionally, Valon initially granted me a payment deferral in writing, sent me documents to sign, and updated their online system to show no payment due in XXXX. Now they claim I was merely eligible and that no deferral was ever granted. This retroactive revision of the facts after issuing formal approval and having me sign documents feels intentionally misleading and extremely concerning. 

This conduct feels strategic, not accidental. It appears designed to confuse, mislead, and coerce me into loss-mitigation options that benefit the servicer financially. 

Damages and Harm : I want to reiterate that I am seeking compensation for damages due to : time spent correcting servicer-caused errors emotional distress and financial stress misleading and contradictory information refused payments that worsened the servicer-created delinquency unauthorized changes to my loan status the stress and confusion caused by having an approved deferral canceled without notice the confusion of having XXXX conflicting payment obligations displayed online attempts to steer me into a more expensive and less favorable loan modification Valons actions are not consistent with the behavior of a compliant mortgage servicer. They appear deceptive, abusive, and intentionally harmful.

Company response to consumer: Closed with explanation