Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
I am filing this complaint regarding the servicing of my FHA-insured mortgage loan by HomeLoanServ ( Idaho Housing and Finance Association ) . I previously filed a CFPB complaint regarding this matter. After that complaint was closed, I located additional documents and information that materially changed my understanding of the timeline and handling of my loss mitigation file. I withdrew the prior complaint so that I could submit a new complaint with the additional documentation and complete timeline of events. My original Trial Payment Plan ( TPP ) failed after a payment issue that I believe was related to a third-party payment processing/vendor issue. Following that event, I repeatedly requested reconsideration, supervisory review, and an opportunity to complete a workout option. On XXXX XXXX XXXX, HomeLoanServ issued a Loss Mitigation Denial Letter citing payments missed during loss mitigation and providing appeal rights. During the appeal period, on XXXX XXXX XXXX I spoke with XXXX, who identified himself as a supervisor. During that call, he completed my Affordability Attestation by telephone and advised that no additional documentation was required. Also on XXXX XXXX XXXX, HomeLoanServ issued an acknowledgment letter confirming receipt of my financial information and issued a written Trial Payment Plan approval stating that successful completion would result in a Permanent Home Retention Option. The approved payment amount was {$1700.00}. Because HomeLoanServ approved a Trial Payment Plan during the appeal period of the XXXX XXXX denial, I reasonably believed that my file had been reconsidered and that I remained eligible for assistance. I specifically asked about the payment deadline and was advised that payment would be acceptable if made before the end of XXXX XXXX XXXX XXXX XXXX XXXX, I contacted HomeLoanServ to make the required Trial Payment Plan payment. During that call, I was informed for the first time that HomeLoanServ cancelled the XXXX XXXX XXXX Trial Payment Plan that same day. As a result, HomeLoanServ refused to accept my payment. I was therefore prevented from performing under the approved Trial Payment Plan despite my willingness and ability to make the required payment. HomeLoanServ subsequently issued a Loss Mitigation Denial Letter dated XXXX XXXX XXXX citing missing documentation and untimely payments. I dispute those conclusions because I completed the Affordability Attestation, was advised that no additional documentation was required, was approved for the Trial Payment Plan, and attempted to make the required payment. On XXXX XXXX XXXX, I contacted HomeLoanServ and requested make the payment before again before the end of the month. I also inquired about my appeal rights and process. During that conversation, I was informed for the first time that a rescission letter had allegedly been mailed on XXXX XXXX XXXX and returned unopened. Prior to XXXX XXXX XXXX, I had no knowledge that HomeLoanServ considered the XXXX XXXX Trial Payment Plan cancelled. Throughout this process, I repeatedly requested supervisory review and assistance. I was frequently advised that a supervisor would return my call, but I did not receive the requested callbacks. I have repeatedly requested clarification regarding the XXXX XXXX denial, XXXX XXXX Trial Payment Plan approval, alleged XXXX XXXX rescission, XXXX XXXX denial, appeal rights, available alternatives, reinstatement amount, FHA Partial Claim resources, and foreclosure status. On XXXX XXXX XXXX, I again contacted HomeLoanServ seeking supervisory assistance. I was unable to obtain clarification regarding the appeal process, available alternatives, or my reinstatement amount. I requested copies of servicing notes relating to my recent calls and file history. I have now received a Notice of Acceleration and Notice of Trustee 's Sale scheduling foreclosure of my property for XXXX XXXX XXXX My complaint regarding foreclosure is that HomeLoanServ scheduled my property for foreclosure sale while there remain unresolved issues regarding my loss mitigation review, Trial Payment Plan approval, refusal to accept payment, alleged rescission, appeal rights, and requests for review of available alternatives. HUD advised me that FHA policy regarding Trial Payment Plan failures is clear, but that the servicing issues and handling of my file must be addressed by HomeLoanServ. I am requesting CFPB assistance because I attempted to comply with the approved Trial Payment Plan, was prevented from making the payment, received conflicting communications regarding my eligibility and appeal rights, and have not received a clear explanation of what alternatives were reviewed before foreclosure was scheduled.

Company response to consumer: Closed with explanation