Consumer complaint received 2024-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
Failed to Identify and Honor Transferred Loan Modification Agreements failed to identify in-flight modifications, it wrongfully denied borrower of applying for loan modification when I simply called the mortgage company to ask about information about that and what that entailed in no way did I want to sign up for it I was given misleading information about steps of hardship as well as had hardship customer service representatives apply for mortgage assistance assistance on my behalf without my knowledge and signing documents that I did not submit to my mortgage company Told me about all terms of modifications And automatically took it upon themselves to sign me up for this without giving me all the information of the changes that would be made in my loan. It took three representatives to figure out why someone had signed up for modification coming to find out that it was due to a prior transfer between XX/XX/XXXX and XX/XX/XXXX to national XXXX XXXX this was not the first time XXXX XXXX and I believe fraudulent Company called me trying to ask me for personal information to make a payment saying they took over my loan on my credit report it showed that my mortgage loan was paid off after looking further into it after XXXX of this year And that I was forced into loan modifications or made permanent modifications to borrower loans only after significant delays beyond the period provided for in the trial modification agreements. 
Im asking XXXX to review loan to which it acquired great loss and forced review identified a with pending trial loan modifications that they did timely converted into permanent status and Miss allocated bank funds as well as several mishandling of return payments according to payment history that my bank has no record of or refund for then accepting re-issued payment and applying only XXXX of XXXX payments each time which happened countless times. There is huge errors in allocation of or distribution of hazard insurance funds for what purposes Im unsure there was money held in suspense There is mistakes between my statements my payment history that I see on my online portal and public record payment history for the term of my loan from XXXX to current. 
Both cross-country mortgage and national mortgage XXXX XXXX made modifications and miss leading changes and supplied misleading or no information regarding their dealings with the loan modifications which caused great financial distress to me I would like the bureau to take action in compensating me and fixing all the errors and removing {$85000.00} they say I owe them which is incorrect How can I have a lien on my house and forced into a permanent modification when I never even signed up for XXXX in the first place theyre taking proceedings to move into foreclosure without even having signed documents by me or with my knowledge but they personally filled out these documents or someone did and e-filed them with the company on my behalf without my knowledge all in violation of the Law and my XXXX XXXX 


Previous complaint filed XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE Trouble during payment process Log in to track your complaint First time logging in? Set up your password I am updating it because that is not what I wrote on my complaint it is missing or has removed verbiage and information showing legal reason for my complaint. 
There is many more details in regards to the handlings and miss handlings due to the leakage of my personal information between cross-country XXXX XXXX and national mortgage which may be the cause of so much confusion between me and the lender this has to be worked on with me and the lender. 

And we have to come to some kind of agreement because I am not gon na be held responsible for someone doing something fraudulently which which with that causes the mortgage company to handle my or miss handle my loan based on fraudulently submitted information which caused great financial distress and communication must be done or Monetary compensation is requested

Company response to consumer: Closed with explanation