Consumer complaint received 2022-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: American Financial Network Inc.
State: CT

Complaint narrative:
In XX/XX/XXXX I did a refinance of an FHA backed government mortgage with American Financial Network. During this refinance I did a 2 hour drive to XXXX XXXX Connecticut for a closing with XXXX XXXX who did the closing without any notary at around XXXX XXXX  and in no way legally. The closing costs were massive or over XXXX From this time Covid hit and my income dropped, which required a forbearance and a loan modification to be applied for thereafter. I have recorded every call and communicated with American Financial Network countless times and then was told that I needed to talk to XXXX. My secretary who is no longer employed would send in the required documents with my help over, and over, and over. Also in XXXX my mortgage was actually paid off or paid down substantially by my now deceased father in law. This was looked into by American Financial Network and XXXX and they have to this day given me the run around about the mortgage being paid off in full. Every time the required documents were sent in I was told that they either didn't have the documents ( that were sent numerous times by email and can't be disputed ) or I was continually told that I needed one document from one worker and another worker said that the paperwork was already submitted and all set. I had numerous issues with workers telling me how to talk, what tone of voice to use, and they regularly transferred and never told me specifically what they needed. This happened countless times as I have a XXXX wife, XXXX XXXX, and am a XXXX veteran. I recently, in XX/XX/XXXX submitted documents that were requested which are not normal loan modification papers, or namely proof of payoffs related to contractor liens for work done on property. I was told that because there was a mistake or a draft of a document done by previous counsel in the paperwork that was sent in late XX/XX/XXXX that they would not do the loan modification and the workers who called me from blocked numbers also said that they intended to foreclose on my property because they know I don't have the back payments for many months and that they will have an inside foreclosure buyer they know buy the property for a kickback under the table to XXXX. They ( XXXX ) said that they will do as they want, make whatever claims they want without any need to hear my side, and are not required to follow the terms and Federal regulations about forebearences and loan modifications related to covid. XXXX said they are the largest and most powerful loan servicing company in the country and have more than enough money to squash a fly speck nothing like me. I need loan modification done or to start regular payments without my credit being decimated as well. In this XXXX promised to deliver. Please review all the calls and you will see that i CONTINUALLY CALLED XXXX and American Financial Network continually in order to stay on top of loan modification and get on regular payments per the covid rules and save my house where I as a XXXX Vet raise my XXXX child and care for my wife who has a medical condition. Cenlar workers have continually given me conflicting information as phone call records will show. It is 100 % guaranteed that they will claim that I called numerous times unnecessarily and that as a result there are countless inconsistencies by workers at XXXX and XXXX XXXX XXXX. They would never break it down and specifically tell me if there was a problem and how. I sent them everything that they requested every time within a few days time. They had a vendetta against me because I spoke up about workers being inconsistent, telling me what tone of voice to use, not giving me the information that I needed and then making issue with a draft sent by my lawyer to me of a document which was not intended for the loan modification. This document was sent accidentally by wife in XX/XX/XXXX and violating my attorney client privellidge allowed for Cenlar to get the justification they were seeking with malice and premeditation to deny me modification or full forbearance in line with the Federal Law in order to get kickback taking property and also silencing me in retaliation for me making complaints at the management team at American Financial Network and XXXX. 





I want the mortgage paid off in full or forgiven for the following reasons 1. The American Financial Network loan was done with predatory means of bait and switch. XXXX XXXX of American Financial Ntwork continually by email and text, told me that the initial refinance would be at 75 % Loan to Value and that at the closing or right thereafter there would be a 15 % Heloc for me to button up my house which suffered from a fire in XX/XX/XXXX. 2. The closing done in XX/XX/XXXX was done late at night and without a notary. 3. I had communicated with and sent in documents with previous services about how my mortgage was paid off by my now deceased father in law in XXXX. 4. There have been numerous contradictory information given to me during numerous recorded calls, and I would always send American Financial Network and everything that XXXX requested numerous times. I was reguarly abused on the phone by being told what tone of voice to use, how to talk, and given contradictory information over and over. This was done with pre-meditation and bad faith. 5. XXXX and AFN have asked me for documents between me and counsel to be sent and documents that have nothing to do with loan modification in a pre-meditated attempt to deny loan modification and forbearance back payments with pre-meditation and conspiracy as a result of speaking up about my rights under Federal laws and Covid forbearance program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation