Consumer complaint received 2024-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AMERICAN PACIFIC MORTGAGE
State: OR

Complaint narrative:
In XXXX of XXXX we reached out to XXXX XXXX of US Lending, which is a Division of American Pacific Mortgage Corporation, to inquire about obtaining a mortgage loan for a rental property. My husband had something on his credit stemming back from XXXX that we informed XXXX about prior to beginning, and she stated that wouldn't be a problem to proceed. After we were involved in the transaction, she informed us that in order to close the loan, we were required to call a third party company to discuss the poor mark on my husband 's credit. I informed her that we did not want to do that because we did not want it to come back and cause issues. We hadn't heard from them for years and didn't want any problems arising from this. She informed me that the money had been charged off and we were not liable for it any longer, and the Creditor didn't have any legal standing to come back to my husband on it. As she is a professional, we took her at her word and called the third party company. My husband answered all of their questions. After the fact it was like we basically called them and said, Hey, here we are, please come after us. Shortly after closing the loan, they started sending mailings. We were not completely aware of this as they were sending documents to the rental property which was inhabitable. Fast forward to XXXX and the collection service serves us with a bill of {$18000.00}, and after some other legal fees and other things were added in, it's now up to approximately {$25000.00}. I reached out to XXXX and questioned her on why she would give me false information, and she informed me that she didn't realize that they could come after us. I requested the documentation that we signed regarding the issue, and she would not provide it. I kept calling around and finally ended up speaking to their in-house legal counsel after about 3 months. His name is XXXX XXXX. I explained the situation to him and he informed me that he was going to look into the situation and see why the collection started up again, among other information and contact me back. I informed him I was certain it was due to the purchase of the home ; it basically reinstated their collection process. I never heard back from him. I informed him via email that I would be filing a complaint unless he wanted to speak with me and ask him if he held any accountability or responsibility for this new judgment, we have coming towards us. Of course, there is no response to that either. I spoke with a couple lenders that informed me it's very sad that there are some lenders that will say and do anything to land a sale, and they really want to see some of them held accountable because it happens far too often. I am starting a complaint process to make people aware of this lender, and to hopefully find some resolution for the situation that we were unjustly put in. So, in a nutshell, XXXX XXXX of US Lending gave us incorrect information in order to close a home loan and now we are having repercussions from it that we feel we should not be. Us Lending should hold some accountability. 
XXXX XXXX has now moved on to XXXXXXXX XXXX as XXXX XXXX XXXX. Defrauding her clients must have paid off in more ways than one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation