Consumer complaint received 2026-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I have been struggling to pay my mortgage for couple years. My original agent XXXX was always very friendly, nice and understanding.She would always follow up on my payments and never put extra pressure on me, knowing I was doing the best I could and I was embarrassed due to the situation I was in. It started XX/XX/XXXX I was laid off due to downsizing and restructuring. I was rehired XXXX months later. During that time I was receiving unemployment and applying for positions daily. I was not able to afford my monthly Mortgage payment and begain looking for assistance outside of America First Credit Union. A breech letter sent out after I had informed them of my situation and at that time I was not offered or given any information to help me during my hardship. I got approved for the outside assistance by XXXX but the payment wasn't received u til XXXX. Monthly calls by XXXX where done to follow up on when payment would be received. I received a call from XXXX at the end of XXXX and I gave her an exact date the payment would be there. XXXX to XXXX XXXXays later I received a call from XXXX, that call didn't not go very well at all, she instantly started pressuring me about the payment and demanding a payment, saying the process of foreclosure would start if I didn't make a payment. It was a very heated situation and I informed XXXX about the payment and asked her to please not call me again and that XXXX has been helping me out and knows what's going on. That is when I was informed XXXX would no longer be handling my account. I didn't worry to much about it since I knew everything was going to be caught up in a few days. My mortgage was brought current XX/XX/XXXX. I set up automatic XXXX payment to start pulling every other week starting in the middle of XXXX so my payment would be satisfied by XX/XX/XXXX and eventually would be satisfied a week before if payment continued on schedule. My first XXXX payment through, when the second one was deposited is when I found out my pay started getting garnished. I immediately reached out to XXXX XXXX and informed them the garnishment. At that time I again was not offered any assistance or information on assistance. XXXX I received a breech letter again. I went and got a high interest title loan to bring it current. When I paid that I pleaded with XXXX XXXX that I needed help. That is when I was sent the form for a loan modification. I was denied cause it was considered short term. By the end of XXXX I again received the XXXX letter and had to get a loan from family to bring my mortgage current. End of XXXX I lost my job and listed my home for sale. During that time a wrongful XXXX was filed against my property, which later turned into lis pendens causing my buyer to back out of the purchase on XX/XX/XXXX. XXXX XXXX sent me packet in the mail sometime in XXXX about my options. I called them to asked what options I had and what the packet was for. I was informed I could qualify for a loan modification and to get the paper work sent in and I would start my trial payments. My first payment was due by XX/XX/XXXX. After the sale fell through I started looking for employment and decided I would stay in the home longer. My payment was received in the night deposit box XX/XX/XXXX, due to my online account restricted for being past due in the mortgage I was not able to deposit the money and apply it to the mortgage, so I put it in the night deposit. My payment was rejected and they said I didn't make my trial payment ontime so I no longer qualified for the loan modification. XXXX never gave me all my option to avoid foreclosure. During our conversation she never indicated I had other options or other things I could look into. Finally I asked well what options do I have? She still didn't give me my other options, so I finally said ok I guess I will try bankruptcy. That is when I found out I did have another option. I just had to refill out the same paperwork and send it back ASAP. Or my home would be sold on XX/XX/XXXX ( XX/XX/XXXX Was the day I had to pay my loan current or it would be sold in XXXX days ). I was approved for XXXX day forbearance. When I was approved for that I informed them I had started my new Job but it was only part time. She then informed me that after the forbearance I would again need to provide the same documents for them to evaluate my situation after that. After the XXXX months XXXX called me and asked if I started full time. I had not, but I did have renters that started staying with me XXXX XXXX. She informed me that I could use that for income and to send in a lease agreement. So I did but dated the agreement starting XXXX, since that is when I had them sign an official lease, my modification again was denied, lease agreement need to be for at least XXXX month and had to have proof of payment. So would not include in income. I appealed the decision and my appeal was denied. Now I'm just waiting for the official date of sale to show up so I can file bankruptcy and hopefully still have a home and a place to live. I do not have exact dates to give you. But since XX/XX/XXXX a year after I bought my home. My income and my Co owners income drastically decreased. I tried a home equity loan before my credit was severely damaged and was declined cause my payment capacity was short {$100.00}. I pleaded with them at that time to approve so I could consolidate all my debt and avoid things going into collection and judgments. I informed them that at that time if I couldnt get there help I would end up loosing everything I owed. Took a little longer than I thought but my home is the last thing I own. I sold everthing trying to not be homeless.

Company response to consumer: Closed with explanation