Consumer complaint received 2026-07-13 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: McCarthy & Holthus, LLP
State: OR

Complaint narrative:
In XXXX XXXX, I requested emergency modification options from XXXX XXXX XXXX XXXX  due to covid impact on my company and myself as well as an undiagnosed XXXX and was told by SLS to file out forms and to wait, I was told that they received those forms and that I was accepted for the Cares act XXXX and extend. While waiting and trying to contact them multiple times I had missed a payment while waiting for them and then they told me that they could not help me for missing a payment and instructed me to find a housing counselor. The housing counselor did assist me and explained the CARES act and explained the need for the special needs trust underwriting parameters and assisted in obtaining state of Oregon homeownership fund {$60000.00} award. months went by without the award showing up on my mortgage statement. My XXXX helper and housing counselor sent emails and made phone calls asking why the {$60000.00} housing award had not shown up on my mortgage statement for XXXX  months. My family requested the reinstatement balance in order to force the mortgage servicers to apply the {$60000.00} award before additional damages could accumulate. The new mortgage servicer XXXX XXXX XXXX XXXX said that we would be back in business capable of receiving our previously promised rights if we paid {$6100.00}. We paid XXXX the following day and they returned the payment XXXX days later and have yet to provide those rights or explained what happen to the payment. 
After multiple written, recorded, and transcribed communications, including attorney XXXX XXXX sending certified real-estate settlement and procedures act demand letters to XXXX. The company has never responded and admitted on a recorded call with mandatory reporter and state agency witness that they received the letters, intentionally did not respond, did not give case specific review to a XXXX person and sent the {$60000.00} back to the XXXX of Oregon without providing any of the rights promised since XXXX. Throughout this period XXXX and XXXX continued to charge late fees, legal fees, appraisal fees and is now attempted to foreclose once again. XXXX and XXXX have been repeatedly documented in writing and recorded phone calls verbally abusing and making intentionally false and misleading information to a XXXX person and their helper that have now been proven to be intentional lies to the state of Oregon, XXXX and each other, in order to exploit a XXXX person and XXXX father and to interfere with their services. XXXX and XXXX have been documented on Security cameras and photographic evidence inducing quality loan inc to trespass pass XXXX no trespassing signed and XXXX locked entrances to illegally loiter, menace and to attach notices of foreclosure to the actual private unit door of a XXXX person despite quality loan CEO XXXX XXXX reassuring my XXXX helpers that this would stop. 
Quality Loan and it's leader, XXXX XXXX, have been condoning, concealing, coordinating and directly undertaking violations of their duties as a trustee including their duty of neutrality with the other parties XXXX XXXX XXXX XXXX Mortgage XXXX, XXXX XXXX, dba Shellpoint, Specialized Loan Servicing, XXXX and XXXX XXXX XXXX ). The parties are documented in identical exploitation of a XXXX person in state of Oregon. Protective order XXXX XXXX XXXX vs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX for XXXX XXXX XXXX Oregon XXXX # XXXX. Additionally, the State of Washington, Department XXXX XXXX XXXX announced similar charges and an investigation into XXXX on XX/XX/XXXX with violations between XXXX and present. On XX/XX/XXXX, for the first time in 55 months, XXXX XXXX XXXX XXXX XXXX entered into the court docket that his true client is the XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX ). On that same day, we recorded a call with XXXX XXXX reading a letter from XXXX in the court docket. XXXX XXXX made extensive effort to find the loan, explained that it has no involvement with the loan, and provided the contact information to the Consumer Financial Protection Bureau ( CFPB ), then when CFPB referred us back to XXXX XXXX, it was evasive in verification and refused to provide escalation or a fraud report number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation