Consumer complaint received 2025-02-01 00:00:00
Product: Mortgage — USDA 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: Click n' Close, Inc.
State: MI

Complaint narrative:
I bought my home with a USDA loan 18 months ago. I am concerned and frustrated with the way that Click N Close is handling my mortgage loan. I am concerned because I have been trying to get caught up on my mortgage payments after an altercation at my home with my former partner that ended with her arrest and incarceration. My hardship is legitimate and valid and I tried to get Click N Close to work with me through the process, but feel that I am now running into a brick wall. I have been told that there are various programs that USDA offers to help homeowners in my situation but I feel that I have been denied access to these programs. I am being told that I need to reinstate the full past due balance of {$11000.00} in one lump sum payment and I received a letter from an Attorney telling me I was going into foreclosure and just today I found out there is a sale date set for XXXX XXXX I am surprised and shocked that Click N Close has not given me the chance to be reviewed for assistance programs. I am sorry that this incident happened, please understand that it has been a rough time and I am just trying to get back on track with things. 

I bought the home in XX/XX/XXXX with my girlfriend ( mother of our daughter ) and we were both chipping in to make the mortgage payment on the home and had no issues until XX/XX/XXXX when there was a XXXX  XXXX issue and my girlfriend ( co-borrower ) was arrested and put in jail. She was unable to contribute financially at that time and I struggled to keep up with the payment with just my income. I was able to make the full payment for a few months and then over the summer I could only afford partial payments and made those payments in XXXX and XXXX and the agents at Click N Close were happy to accept my money. The following month I was told that Click N Close would no longer accept my payments because I was too far behind. They wanted me to pay the full past due balance. I explained to them what had happened and why I was having a hardship and they said sorry cant take your payment. I asked about the {$1200.00} that I had paid and why this money did not get credited to my account? I was told Click N Close was going to hold that money on the side and start foreclosure on my account unless I brought in the full past due balance, which was not possible at that time. 

I asked if there were any programs that I could be considered for to help me with this situation and was told it was possible and that they would send me out information. I did not receive any information on assistance programs and I am concerned because after that conversation I got the letter from XXXX XXXX that I am in collections. I am a single dad working full time who just picked up an extra part time job so that I have enough income to take care of my bills and the mortgage payment. I deserve the chance to be reviewed for the assistance programs that are supposed to be available for USDA loan borrowers who are in trouble. This situation was unexpected and out of my hands. My ex-girlfriend is out of jail and on probation and is not allowed to have contact with me except for visitation with our daughter. We are no longer together and I am solely responsible for this mortgage payment. I have the ability to make the payment, I just need Click N Close to work with me and allow me the opportunity to be considered for all USDA assistance programs for distressed borrowers. I feel that Click N Close has not been willing to work with me and it is frustrating.

Company response to consumer: Closed with explanation