Consumer complaint received 2019-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Kirkland Financial LLC
State: NJ

Complaint narrative:
I filed a complaint with Consumer Finance on XX/XX/XXXX due to Kirkland Financial resistance to work with me for a modification and/or willingness to work with NJHHF program. I was initially denied by the time Kirland Financial decided to participate due to income, but due to unforeseen circumstances I had to take a position with lessor pay. I reapplied for the Hard Hit Fund program and Kirkland did not want to do loan modification. I then advised them that we could recast the loan. All while we were in the process of doing the loan modification I received court papers for the transition of the foreclosure from XXXX to Kirkland dated XX/XX/XXXX and they sold my loan to XXXX XXXX, XXXX on XX/XX/XXXX. This is the third sale with 9 months. Not one of these companies have tried to help. XXXX, Kirkland and now this XXXX XXXX, XXXX. I spoke with XXXX of XXXX XXXX, XXXX on XX/XX/XXXX and asking for a mortgage statement. I advised him that XXXX XXXX Kirkland said they do not provide mortgage statements to people in foreclosure. XXXX advised me to resend the same email requesting a mortgage statement that I requesting from him, so he can ask XXXX for it. XXXXF is requesting this information so they can quickly bring my file to closure. 

Kirkland Financial is by far the worst company ever. Clearly they never had any intentions on trying to help me. They prey upon customers is bad situations. 

They sold my loan to a company who prepares your homes for sale, and who is not an actual servicer and/or back. They quickly get homes ready for sale. 

These are the email thread from XXXX stating my loan was sold and that XXXX from XXXX XXXX, XXXX would be willing to reinstate my loan with NJHHF. 

Ms. XXXX : Your loan is being sold today. The new investor will allow you to reinstate without a modification. He asked that you give him a call today. His contact information is below. Its been a pleasure working with you on our end. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX PH : XXXX ( direct ) FX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXXr XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX, TN XXXX office ( XXXX ) XXXX | cell ( XXXX ) XXXX | fax ( XXXX ) XXXX XXXX Disclaimer : Please understand that XXXX XXXX encompassing Kirkland Financial LLC , XXXX XXXX XXXX , and XXXX XXXX XXXX is a debt collector and is required by law to inform you that this may be an attempt to collect a debt and that any information obtained will be used for that purpose. This e-mail message, including any attachments, is for the sole use of the intended recipient ( s ) to whom it is addressed and may include proprietary, legally privileged, or otherwise confidential information within the meaning of applicable law. If you have received this message in error, or have reason to believe you are not the intended recipient, please promptly delete this message and notify the sender by e-mail. Any unauthorized review, use, forwarding, printing, copying, disclosure, or dissemination is strictly prohibited and may subject  that individual to criminal or civil liability. 

From : XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Cc : XXXX XXXX XXXX Subject : Re : Automatic reply : Paycheck Hi XXXX, We dont have to do the modification. I qualify for the original program, which they will give up to 50k. 

You agreed in the past to lower the past due balance so it could be under 50k, so I can be approved, due to the delay of participation. 

XXXX said to contact him as soon as possible with a lower past due balance under the 50k. 

HHF offers two programs. I rather just have you get your past due monies so we can start fresh. 

Sent from XXXX XXXX XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote XXXX They would give us {$50000.00} and we would write down another {$20000.00}. 

XXXX XXXX Senior Acquisitions Manager / Portfolio ManageXXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX | XXXX, TN XXXX office ( XXXX ) XXXX | cell ( XXXX ) XXXX | fax ( XXXX ) XXXX XXXX Disclaimer : Please understand that XXXX XXXX encompassing Kirkland Financial LLC , XXXX   XXXX XXXX XXXX and XXXX XXXX   XXXX is a debt collector and is required by law to inform you that this may be an attempt to collect a debt and that any information obtained will be used for that purpose. This e-mail message, including any attachments, is for the sole use of the intended recipient ( s ) to whom it is addressed and may include proprietary, legally privileged, or otherwise confidential information within the  meaning of applicable law. If you have received this message in error, or have reason to believe you are not the intended recipient, please promptly delete this message and notify the sender by e-mail. Any unauthorized review, use, forwarding, printing, copying, disclosure, or dissemination is strictly prohibited and may subject that individual to criminal or civil liability. 

From : XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Cc : XXXX XXXX XXXX Subject : Re : Automatic reply : Paycheck Also, arent they giving {$50000.00} to you on top of you writing it down? 

Sent from XXXX XXXX XXXX

Company response to consumer: Closed with explanation