Consumer complaint received 2024-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Aspen Yo LLC
State: MD

Complaint narrative:
Good Day, I applied for a Loan Modification. During the first part of this year I was only working part-time. As a result, I fell behind in my payments. Now I am working full-time again, I am using the organization XXXX to help negotiate the loan modification. But, XXXX. 
Funding is not trying to help me and approve the loam modification. 

First, I emailed them several times to confirm they have received the paperwork from XXXX. Then, I called Gregory Funding. I was told by a representative, I was too old for a loan modification. 

On XX/XX/XXXX, XXXX XXXX called me and told me that she would now approve the loan modification because she only had one pay stub. I told her that XXXX sent over XXXX paystubs. First, she said she would not accept them. After I asked if she received the paperwork from XXXX, she said yes, except for the paystubs. Then, she stated she would take the paystubs. XXXX XXXX XXXX from XXXX, emailed the paystubs to Gregory Funding. 

Today, XX/XX/XXXX, I spoke with XXXX. He said he could not approve the loan modification> I asked him if he received the paperwork from XXXX. He said he received the paperwork, but not the Third Party Authorization. So, he could not speak with XXXX. XXXX XXXX XXXX, from XXXX emailed the XXXX XXXX document today. XX/XX/XXXX. 

Below please find my correspondence with XXXX XXXX regarding Gregory Funding for your review. 


On Monday, XX/XX/XXXX at XXXX XXXX  XXXX, XXXX XXXX XXXX wrote : Hello XXXX, I spoke with a representative from Gregory Funding today, Monday, XX/XX/XXXX. 

He stated that he did not receive the Third Party Authorization, so they can work with you on my loan modification.

Please email the Third Party Authorization form to XXXX. 

I hope you have a wonderful day. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On XXXX, XX/XX/XXXX at XXXX XXXX  XXXX, XXXX XXXX XXXX wrote : Great! Thank you for your help. 

I hope you have a wonderful day. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On XXXX, XX/XX/XXXX at XXXX XXXX  XXXX, XXXX XXXX XXXX wrote : Good Afternoon XXXX, XXXX You for this update. I will forward the paystubs to Gregory Funding right away. 


Have a great day! 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX Assistance XXXX XXXX XXXX " XXXX 's Best Homeownership Program '' Tel : XXXX ext XXXX or XXXX : XXXX Office Hours Monday XXXX  XXXX XXXX  to XXXX XXXX  XXXX  Fighting For Economic Justice With XXXX XXXX XXXX. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX XXXX Sent : XXXX, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX ; XXXX XXXX XXXX Subject : Update - Paystubs - Not Received by Gregory Funding XXXX XXXX XXXX XXXX Monday, XX/XX/XXXX Hello XXXX, XXXX spoke XXXX XXXX XXXX XXXX XXXX underwriter at Gregory Funding XXXX 

She stated she received the paperwork, but she did not receive my paystubs. 

I have attached my paystubs and XXXX XXXX would like them resent to Gregory Funding. 

I have attached the paystubs ( XX/XX/XXXX and XX/XX/XXXX ) for your review. 

If you have any questions, please feel free to contact me. 

I hope you have a wonderful day. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation