Consumer complaint received 2024-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
Hardship Letter XX/XX/XXXX ( originally sent certified mail ) XX/XX/XXXX ( XXXX attempted sent certified mail ) Re : # XXXX ( First Horizon ) XXXX ( Iberia ) First Horizon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom it May Concern : Im asking for any type of help with my mortgage. Any forgiveness of debt and/or modification to help get me back on track, would be much appreciated. I have made several attempts to resolve this issue since XX/XX/XXXX. I was given a modification from First Horizon on XX/XX/XXXX. The offer and agreed upon and accepted modification included the requirement for the first payment to take place on XX/XX/XXXX ( auto deducted ) and subsequent payments were to be auto deducted ( XX/XX/XXXX & XX/XX/XXXX ). Once these three payments were completed, I was advised I would be getting new paperwork stating that the loan modification was completed. After not receiving the updated paperwork, I contacted the bank and found out the other two payments were never deducted by First Horizon. This is mind boggling to me since it was a requirement to qualify for the program. 

In addition, I applied for the Department of Economic Opportunity XXXX XXXX XXXX  with the state of Florida, Application XXXX XXXXXXXX. They have acknowledged receipt they have gotten all needed documentation, but have not gotten back to me in some time. 

I was struggling with payments but have gotten back on track. I had a XXXX XXXX in Maryland that I closed due to XXXX in XX/XX/XXXX. Also, many of my tenants in XXXX XXXX XXXX stop paying rent due to XXXX, causing a shortage of cash. I cared for my wifes XXXX XXXX XXXX grandfather, with no outside help. My wifes sister in law passed away leaving my brother with XXXX  XXXX children, my wife helped care for the children and the household. She went back and forth to XXXX. Her brother became chemically dependent and XXXX  and neglected the children and household. To this day, she continues to reside in Maryland and take care of the children and her brother. 

All these stresses as well as the passing of her grandfather caused us to divorce. My ex-wife did sign a quick claim deed on the property, of which is included in the paperwork. She is not involved with the property. 

I was given the attached modification which I returned twice to the bank. I was told the auto pay was set up for the payments to be made, I assumed this was taking place. Due to the overwhelming circumstances I was under I did not notice this had not taken place. As soon as I realized this was not taking place I began to make the payments. I called several times and asked for a supervisor and never got a call back. I can give you more detail of dates and times of when I called asking for assistance, if needed. I believe the confusion started with the selling/merger of my loan from Iberia and First Horizon . It was not a seamless transition for me, it was frustrating, disappointing and confusing. Im trying to get everything back on track and need your help to do so. I would like confirmation that the attached modification has been reinstated.

I can go into more detail of how all these events have affected my financial situation if requested. Please consider any way you can help me with this loan, its very much appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX P.S. I listed the numerous bank names and addresses where I have sent information with no avail.

Company response to consumer: Closed with explanation