Consumer complaint received 2019-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: CO

Complaint narrative:
On XX/XX/2019 a listing contract, HUD settlement statement and Seller Authorization were sent to Planet Home lending. On XX/XX/2019 the Request for Mortgage assistance ( RMA ), XXXX, Purchase agreement, Listing agreement, XXXX, Hardship letter, letter of explanation regarding NO INCOME AND NO UNEMPLOYMENT, Occupancy Form and Bank statements were sent to the LENDER via email and Fax they claim were NEVER received. On that same day a Rep by the name of XXXX XXXX sent me Planet 's RMA,  Expense worksheet, docs needed for review form, Anti-Fraud Agreement and XXXX. On XX/XX/2019, I called in again to make sure documents were received and once again, I was told that they were not and that the Listing Contract and Purchase Agreement need to be sent in, again. With no explanation of what exactly was needed just that the Documents were needed again. I resent everything. On XX/XX/XXXX, same thing missing documents. On XX/XX/XXXX same thing and documents were sent again, this is the 6th time that I sent in the same documents. On XX/XX/2019 the file was finally assigned a Rep named XXXX. On that day she again stated that the purchase agreement and other relating documents for short sale were needed. I lost it at that point and then she proceeds to tell me that they only needed missing pages of bank statements were needed and letter of explanation regarding a {$5900.00} deposit was made ( income tax return ), food stamp award letter. She also disclosed the VALUE that day of {$160000.00}. When the value was disclosed, i started asking for an ATP ( APPROVAL TO PARTICIPATE IN THE SHORT SALE PROGRAM ) FHA guidelines. On XX/XX/2019 I called in to check the status to make sure the documention stage had been complete and a Rep by the name of XXXX told me the documents were in a review. On XX/XX/2019 I called back in and spoke to XXXX and she stated that the food stamp award letter was still needed and the letter of explanation regarding the money that was deposited in the amount of {$5.00}, XXXX. At this point, I lost it again and reached out to the Foreclosure Attorney and XXXX for help. Needless to say due to the Incompetence of Planet Home Lending 's Rep the Property was foreclosed on XX/XX/2019. At that point I instructed Mr. XXXX to reach out to his lender for the cash for keys program. He was told that they do not participate in the XXXX for XXXX program. I called today XX/XX/2019 to check on the status because I sent a letter to the Lender ( which is attached for your review ). The Rep XXXX told me that FHA bought this back and that I needed to reach out to FHA because they ( Planet ) have no control over the property and that I needed to call FHA. WHICH I KNOW IS A COMPLETE BOLD FACE LIE BECAUSE THE TRUSTEE SITE SAYS THAT PLANET HOME LENDING WAS THE BUYER AT FORECLOSURE. I then reached out to XXXX to file a complaint because Planet Home Lending and it's Representatives are LIAR 'S. This is NOT OKAY. Mr. XXXX would not qualify for any other loss mitigation options because HE DOES NOT HAVE A JOB AND IS ON FOOD STAMPS. NOW PLANET HAS ALLOWED THE FORECLOSURE AND WILL NOT HELP HIM GET OUT OF THE HOME WITH THE XXXX FOR XXXX   PROGRAM. The Rep at XXXX XXXX that filed a complaint for me said it is up to THE LENDER. EITHER WAY MR. XXXX CAN NOT VACATE THE HOME UNTIL HE GETS HELP WITH MOVING EXPENSES. I BELIEVE THAT THIS FORECLOSURE IS NOTHING BUT FRAUD BY PLANET HOME LENDING AND ITS REPRESENTATIVES. When I was filing the complaint with the XXXX  rep she said that in her note the Lender stated they ( Planet ) home lending stated that the Mr. XXXX was not responsive when it came to the loss mitigation review! ANOTHER BOLD FACE LIE!! I don't understand how you the Regulatory Agency ALLOW for the BANKS TO DO THIS TO PEOPLE!!!

Company response to consumer: Closed with explanation