Consumer complaint received 2024-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Data Mortgage Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX I received a letter in the mail from Essex Mortgage, the servicing company, saying my partial claim is now denied since they didn't receive my partial claim package back and now at this time it is deemed to be expired. This is a false hold. I am the customer, it is not my job nor will it ever be my job to be both the customer and the employee. I do not work at Essex mortgage. It will never be my responsibility to locate documents that was clearly delivered to them. They are apparently unwilling on purpose, to do their jobs, which means they are stealing time away from the company and should be fired immediately. They approved me for a partial claim to put all my missed payments to the back of the loan from the forbearance expiring. The partial claim was fully approved, the paperwork sent to me via priority mail, with a return label. The completed all the documents, had them notarized and sent back a to them on their return label. Instead of searching for the documents after they were clearly delivered to them they want to send me a notice saying my partial claim is now denied. It seems like they are trying to find everything they can do to try and torture me and cause me pain and suffering. I told the rep that they usps service some times tampers with my Mail out here, which is a federal offense, once provened, but it seems like they are taking that information and trying to falsely use it. Armed with that information they thought they would play this game to say they didn't receive the documents when it clearly shows they did receive the documents. I mailed them on XX/XX/XXXX, they received them on XX/XX/XXXX. It was delivered to their location. It is their job to find out what happened to the documents but instead of doing that they want to tell me my partial claim is now denied. This is unfair, unscrupulous and clearly unethical practices. They are really pushing the envelope trying to see how much they can get away with. I am flabbergasted. I should not be surprised. They don't seem to care if you file a complaint against them they become defensive when you do. They will act like they are trying to help once you complaint about them but they still seemingly haven't changed their ways of doing fair and ethical business. Normally they would send next day label to send it back this time they sent it priority mail with return label priority mail instead of the next day. Either way, it was returned to them at their location on XX/XX/XXXX. It is their responsibility to locate those documents. I have already been in discussions with someone regarding their practices as this is causing me unnecessary time away from working and stress and pain and suffering. Enough is enough. They are really trying to push the envelope to see what they can get away with. Look at all the online reviews about them. Didn't think I would be going through this with them but here we are.

Company response to consumer: Closed with explanation