Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — Other type of 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: LAND HOME FINANCIAL SERVICES
State: TX

Complaint narrative:
I am submitting this statement to formally document the ongoing failure of Land Home Financial Services and XXXX XXXX to provide adequate customer service, communication, and loss mitigation assistance regarding my mortgage loan. Due to documented financial hardship, I made multiple good-faith efforts to seek assistance and pursue resolution options, including a short sale or foreclosure alternative. Despite these repeated attempts, both the mortgage servicer and its agents have failed to respond in a professional, timely, consistent, or meaningful manner. I have made numerous requests for updates on the status of my property, clarification of available options, and guidance on how to proceed. These requests have been largely ignored, leaving me without direction during a critical financial hardship. This lack of communication has effectively prevented me from taking timely action to mitigate further damage. During the course of this hardshipand while my requests for assistance were ongoingthe financial burden associated with my loan increased significantly. My monthly mortgage payment XXXX from approximately {$3900.00} to {$4700.00}, further compounding my inability to maintain the loan under these circumstances. Additionally, more than {$100000.00} in fees, penalties, interest, and related charges have been added to the balance. These increases occurred without adequate explanation, transparency, or meaningful assistance, despite my repeated attempts to engage the servicer in loss mitigation efforts. As a direct result of this inaction, additional fees, penalties, and accrued interest have continued to accumulate on my account. Rather than working toward a resolution, the continued escalation of the loan balance has unnecessarily increased my financial burden. Additionally, this situation has had a severe and damaging impact on my credit profile. The failure of Land Home Financial Services and XXXX XXXX to engage in loss mitigation efforts or provide timely assistance has resulted in negative reporting and significant harm to my XXXX XXXX. Despite my proactive attempts to resolve the matter, their lack of cooperation has contributed to ongoing derogatory reporting. The pattern of non-responsiveness, combined with the substantial increase in my loan balance, escalating monthly payment, excessive fee accumulation, and continued negative credit reporting, reflects a disregard for fair servicing practices and has effectively resulted in the destruction of my credit standing, preventing any option for refinancing. This outcome could have been mitigated or avoided entirely had appropriate assistance and communication been provided. Their failure to act in good faith, provide reasonable assistance, or offer viable solutions has left me with no reasonable alternative but to default on the loan. Notice of Potential Regulatory Violations In addition to the concerns outlined above, the actions and inactions of Land Home Financial Services and XXXX XXXX may constitute violations of several federal consumer protection laws and mortgage servicing regulations. There are also various violations under the XXXX XXXX XXXX XXXX XXXX, Contract for Deed and the Seller 's obligations. XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Based on the pattern of non-responsiveness, failure to provide timely assistance, continued accrual of excessive fees, and negative credit reporting despite my documented hardship and repeated requests for loss mitigation, the following potential violations are of concern : Real Estate Settlement Procedures Act ( RESPA ) Regulation X The failure to respond to borrower inquiries, exercise reasonable diligence in processing loss mitigation requests, and provide timely and meaningful communication may constitute violations of RESPA requirements. Failure to Engage in Good Faith Loss Mitigation Efforts Despite repeated outreach, there has been a consistent failure to evaluate or provide viable options, contributing directly to the escalation of my financial hardship. Unfair, Deceptive, or Abusive Acts or Practices ( XXXX ). The accumulation of over {$100000.00} in fees, the increase in my mortgage payment from {$3900.00} to {$4700.00} during an active hardship, and the lack of transparency or assistance may constitute unfair or abusive servicing practices. Fair Credit Reporting Act ( FCRA ) Concerns. The reporting of negative credit information under these circumstances raises concerns regarding the accuracy and fairness of such reporting, particularly where the servicer failed to provide appropriate assistance. Lack of Transparency in Account XXXX The failure to provide a clear and accurate accounting of charges and loan balance increases raises additional concerns regarding proper servicing standards. This correspondence serves as my second formal complaint regarding the ongoing issues with my mortgage loan servicing. Following my initial complaint, the servicer did make contact ; however, that outreach did not result in any meaningful action, resolution, or follow-through. Despite the initial acknowledgment, my concerns remain unaddressed, and no substantive assistance has been provided. The lack of continued communication and failure to act after establishing contact has only prolonged the matter and contributed to further financial and credit-related harm. Again, this pattern of incomplete engagementinitiating contact without resolutiondemonstrates a continued failure to adequately service the account and respond in good faith to a borrower experiencing documented financial hardship. I am requesting that this matter now be handled with the urgency and diligence it requires, including consistent follow-through, clear communication, and a definitive path toward resolution.

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