Consumer complaint received 2026-05-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Click n' Close, Inc.
State: OR

Complaint narrative:
I am a debtor currently in a XXXX XXXX bankruptcy proceeding and have a mortgage serviced by XXXX XXXX XXXX Click n Close. I am writing to formally report significant discrepancies and deficiencies in the mortgage statements and documentation provided by Click n Close, which have caused substantial confusion and potential harm. On XX/XX/XXXX, I received a Notice of Default ( NOD ) from Click n Close, listing a Total Past Due through XX/XX/XXXX amount of {$21000.00}. This amount was shocking to me, as my mortgage statement dated XX/XX/XXXX, indicated a Total Amount Owed Post-Petition of only {$8300.00}. Upon review of mortgage statements spanning from XX/XX/XXXX to XX/XX/XXXX, I discovered conflicting information across these documents. On XX/XX/XXXX, my attorney requested from Click n Closes attorney the complete payment history for my account from XX/XX/XXXX through XX/XX/XXXX to clarify these discrepancies. To date, this request has not been fulfilled. On XX/XX/XXXX, Click n Close declared, under penalty of perjury, that the total unpaid post-petition amount was {$25000.00}, although the XX/XX/XXXX mortgage statement from Click n Close listed a Total Amount Owed Post-Petition of only {$10000.00}. These discrepancies strongly suggests that the mortgage statements Click n Close has been providing me, especially from XX/XX/XXXX to XX/XX/XXXX, are inaccurate, which appears to violate the requirements outlined in 12 CFR 1026.41 ( f ). In my efforts to understand these discrepancies and determine what exactly was due post-petition vs. pre-petition, I identified the following issues within the mortgage statements : XXXX payments made between XX/XX/XXXX and XX/XX/XXXX, where {$1600.00} should have been applied, but only {$1500.00} was credited. XXXX statements ( XXXX and XX/XX/XXXX ) where the totals for Principal, Interest, and Escrow amount to {$1800.00}, yet the statements and associated payment coupons list a payment due of {$1500.00}. XXXX statements ( XX/XX/XXXX to XX/XX/XXXX ) where the totals for Principal, Interest, and Escrow are {$1500.00}, but the statements and payment coupons indicate an amount due of {$1600.00}. XXXX payments made to Click n Close that were either not accepted, not cashed, or returned to sender. XXXX payments made by the bankruptcy trustee, which should have been applied to pre-petition arrearages, but Click n Close applied to post-petition amounts and led me to believe the XXXX payments noted above had been accepted. A Notice of Default, a Declaration of Default, and an Order that include pre-petition arrearage amounts, on top of the post-petition amount due. I contacted Click n Close via email on XX/XX/XXXX, requesting clarification as to why the documents filed with the bankruptcy court do not align with the mortgage statements provided to me. To date, I have not received a response. Since Click n Close failed to respond to my attorneys XX/XX/XXXX request and given that Click n Close has initiated foreclosure proceedings, I am compelled to submit a formal complaint with the CFPB regarding the material deficiencies in the mortgage statements they have provided, especially considering my reliance on these statements and the harm I have suffered as a result. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation