Consumer complaint received 2024-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Churchill Holdings, Inc.
State: CA

Complaint narrative:
We applied for XXXX Mortgage relief program after our payments were behind {$70000.00}. We were approved but XXXX Mortgage relief was having a hard time to disburse the funds because Churchill Mortgage claimed they are not participants of the program. 
after several attempts from XXXX mortgage XXXXelief program, Churchill mortgage joined the program. 

While we were in the cal mortgage relief application process and waiting for results, Churchill mortgage also sent us a mortgage modification paper work that we filled and it kept on going into revision, we would pay XXXX or XXXX payments somehow they'll send us another application and a new amount which we would comply send first, second payments but the modifications were never permanent. 

In XXXX XXXX California Mortgage relief program approved us for {$77000.00} which will cover the loan amounts that are behind and bring the loan current. Final process is for churchill mortgage to accept the payment and apply to our account. 
they contacted churchil mortgage several times to no avail, we contacted Churchill mortgage to which XXXX representative to tell us they are not in the program and don't know about the program. while on other days other representative will tell us they've fowarded our concern to the appropriate department and we should wait to hear from them. This went on for XXXX months. 

In XXXX, we received a foreclosure notice, my husband and i sent emails to churchill mortgage to see whats going on and if we are in the modification process why are we getting foreclosure papers? we could never get a straight answer. 

We told them that there are funds that would bring our accounts current but no one would listen us from loss mitigation or customer service, they said thats a different department handling that part. They don ' know if Churchill mortgage can even accept those funds even though we were told by other representatives that XXXX had signed up and are participants of the program. 

Soon after we were told to pay {$6200.00} finalize the loan modification trial payments. At this point we were not sure if they'll ever take the XXXX from XXXX mortgage relief program and since we already received the foreclosure documents it was urgent and imperative we take the loan modification to save our home. 

Loan modification means its a new loan, new payments and new terms. Our house had a XXXX lien on it i brought this up to the loan modification agent, they told me the lien from XXXX is nothing and does not supersede the Mortgage lien even though a couple of months earlier they told me we need to clear all the liens before we can proceed with the modification. 

Therefore, the XXXX lien was left : Modification was pushed on us last minute ; we didn't have a choice but to sign it we didn't want to lose our home over technicalities. 

Due to this issue we are still behind on our loan, XXXX is foreclosing on our home because they received a judgement on their lien which i brought up to Churchill Mortgage several times. Either way their modification didn't help us but put us further in debt, added more years on our loan and now we are facing foreclosure from HOA. 

I contacted California Mortgage Relief Program for a grant we did all the paper work we got approved they sent the XXXX check to church hill mortgage before the check was sent to contacted church for loss mitigation Churchill kept giving us the run around and was denying us. Once they got that check for mortgage relief they hurried rushed us to signing the loss mitigation form and because they rushed us they didnt even take off our liens on our home which is also apart of going thru loss mitigation. ( I have the attachments of them saying they returned XXXX back to the grant company that we could've used ) They need to be investigated of all these illegal underhanded things.Contribute sent the check back even the the money was to be used for any reason regarding our mortgage loan. The mortgage relief even tried to contact church hill mortgage to resend the check but church hill mortgage made it darn near impossible to get in touch with. They basically did an wrong loss mitigation because they didnt even take off the liens.In our prior complaint number XXXX this complaint is still not resolved and contribute verified we can still use their program..in our previous complaint XXXX left a number for us to call and no one was able to answer our inquire so I'm asking for a response via the cfpb portal.

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