Consumer complaint received 2021-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
Investigate Roundpoint mortgage servicer I have asked for modifications refinancing offered to pay double mortgage payments during 3 different mod attempts they sent back or refused payment then blamed me then apologized starting a modification while being told up front I was advised to ask them to apply arrears to the back of the loan and I insisted on all payments and monies applied to the loan to be applied to the principal and to acknowledge to credit companies the where being paid on time then requesting a covered forbearance in XXXX verbally and received 2 phone calls asking how I was doing and never receiving any paperwork then after asking for paperwork told I had to submit my application in writing after pointing out XXXXXXXX XXXX  requests to servicer 's and mortgages companies to help people with the covide forbearance I was told didn't apply to my account and loan then they were mailed the 3rd modifications payment on time in XXXX which I mailed through my postal service with tracking number they never called to ask me if I mailed the payment instead they continued to collect XXXX 's, XXXX 's payments and sent a letter in the end of XXXX then cashed XXXX 's money order sent back XXXX XXXX XXXX payments which I immediately sent them back again and after telling them of postal tracking number and information I was lead to believe that they were going to honor my modification and add monies to the back of the loan then this is when I applied for the federal covid forbearance in writing again didn't receive any response in writing or by phone I have continually pointed out there neglect and irresponsible people to help with any alternative repayment terms has lead me to continue to pay legal fees and file suit against them they continue to cash some money orders and send some back they continued to ask for letter of hardship then I was made an offer on the house and I asked for a payoff amount that they sent email that we could not open even after I sent them the written offer and again requesting payoff amount never received called and complained of money not being applied to the loan credit companies not being notified of on time payments and money that I sent to them not being applied to loan and being sent back false costs and penalties being applied through out covide then asking for XXXX XXXX refinancing again not answering my requests and concerns for their attempts to steal the equity from the property also putting pictures of my home on a foreclosure website having my phone home computer email bombarded with people 's attempts to steal my home after I complained about foreclosure website the removed the property for a short time and it is back up again my loan went from approximately XXXX to over XXXX and they have been paid since XXXX on time except for what they have sent back they were implying the modifications were in the works while advertising the house on foreclosure website then I asked for the law that said that I was not eligible for any assistance with any government programs and the covide forbearance again I am still waiting for legal proof of being in eligible and there misleading modification attempts was only playing with the time for them to continue to force me to pay them with out applying mortgage payments to the loan as originally requested and I have continued to ask please I am not the only person to have this problem with these two companies also I was never told that the loan was sold originally to XXXX  or I would have changed it then thanks for your help with this please have someone look into this I am having someone contact XXXX  FHA in XXXX I have personally tried to contact XXXX XXXX XXXX  of Roundpoint  and he has not responded to date thanks for your time and effort with this please let 's get the American people to respond to a new headquarters for Roundpoint with monies from the people 's Government

Company response to consumer: Closed with explanation