Consumer complaint received 2024-09-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SUCCESS MORTGAGE PARTNERS, INC
State: PA

Complaint narrative:
Success Mortgage Partners Inc. has continually acted in a manner that is unethical, In violation of VA Home Loan Guidelines and Laws. 
Due to the Economic Downturn in XXXX, I lost employment which lasted nearly 6 months, but I took proactive steps to work with Success Mortgage to try and resolve my Mortgage issues. 

During this period of Unemployment, I have experienced : Mortgage Statements have not been given to me on a consistent basis and are not accurate. 
Loan Statements did not reflect Mortgage payments I made in XXXX and XX/XX/XXXX. 
Mortgage Information was sent to the wrong address and therefore violated my rights to privacy and confidentiality.

After Completion of my Credit Counseling Process, all foreclosure proceeding were to cease but I continued to receive foreclosure letters and charged fees Completing the Loan Application for Modification was a grueling process. I would send success mortgage the requested information and they would consistently request the same information multiple times delaying the modification process After 8 months a Loan Modification was offered by Success Mortgage, and I completed the Trial Period where I was required to submit payments for XXXX, XXXX and XX/XX/XXXX. 
During the Trial Period, I continued to receive calls from Success Mortgage related to Pre- Foreclosure offers : Cash for Keys etc.

During the Trail Period I have asked repeatedly for a detailed breakdown of the new Loan Balance due to Success Mortgage having information that conflicts with the number of payments missed. They have refused to provide that information or address my concerns regarding the number of payments missed. In an email I was told I missed 17 payments, but I provided a detailed schedule that showed 15 missed payments which may be related to the 2 payments noted in bullet point # 2 Upon Completion of the Trial Period, I signed the Loan Modification documents provided to me and had them notarized on XX/XX/XXXX. 
On XX/XX/XXXX, XXXX, a representative from Success Mortgage called me from the number ( XXXX ) XXXX and notified me that the Loan Modification documents were never received. I informed XXXX that I signed the documents on XX/XX/XXXX and sent them back in the prepaid envelope provided by Success Mortgage. XXXX informed me she would research the issue, and I asked her to email me when she resolved the issue. I waited till the end of the day, and I called XXXX back and she confirmed the documents were received but never processed in the system. 
On XX/XX/XXXX XXXX Mortgage notified me that the Modification was denied and said I did not accept by the required deadline. 
o On XX/XX/XXXX I received a letter dated XX/XX/XXXX that clearly states that I had 14 days to accept the modification which I did and had notarized on XX/XX/XXXX and mailed out immediately I have provided Success Mortgages with copies of all the letter etc. sent to me to validate my position, but they still refuse to honor the signed agreement

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