Consumer complaint received 2022-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Midwest Loan Services, Inc.
State: PA

Complaint narrative:
DUE TO COVID I HAVE BEEN AFFECTED BY THE HARDSHIPS THAT HAVE FOLLOWED. 
I NEEDED HELP WITH MY MORTGAGE AS A RESULT OF LOSING MY JOB IN XXXX AFTER BEING OUT OF WORK FOR XXXX XXXX XXXX XXXX XXXXXXXX ) FROM XXXX. 
I WAS GIVEN INFORMATION ABOUT A PROGRAM THAT WAS DUE TO START IN PA FOR HOMEOWNER ASSISTANCE FOR INDIVIDUAL FAMILES THAT HAVE FACE EXTREME HARDSHIPS BECAUSE OR DUE TO COVID. 
I SIGNED UP FOR THIS EMAIL LIST FOR PAHAF IN XX/XX/XXXX. 
I WAS UPDATE VIA EMAIL OF WHEN THIS PROGRAM WILL LAUNCH. I WAS RECEIVING UNEMPLOYMENT WHILE SEARCHING FOR NEW EMPLOYMENT. THAT UNEMPLOYMENT STOP IN XX/XX/XXXX. THIS IS WHAT CAUSED ME TO FALL BEHIND WITH MY MORTGAGE. 

I RECEVED CONFIRMATION I BELIEVE IN XX/XX/XXXX THAT THEY WILL BE STARTING IN XX/XX/XXXX. ALSO IN XX/XX/XXXX I FOUND AND WAS OFFERED FULL TIME EMPLOYMENT. 
I HAVE APPLIED FOR PAHAF. MY APPLICATION HAS BEEN COMPLETED ALL DOCUMENTS HAVE BEEN SUBMITTED AND THIRD PARTY AUTHORIZATIONS HAVE BEEN SIGNED A SUBMITTED. 
TO THIS DAY AND AS OF JUST RECENTLY I WAS TOLD THAT PAHAF HAS BEEN WAITING FOR MIDWEST LOAN SERVICES TO SIGN OFF ON AN AGREEMENT. 
IM NOT SURE WHERE MY APPLICATION IS AT THIS POINT.

MY MORTGAGE IS CURRENTLY BEHIND AS OF TODAY {$7300.00}. I CONTINUE TO WAIT FOR CONFIRMATION OF MY APPLICATION AND IF THIS HAS BEEN APPROVED ACCEPTED AWARDED =PAYMENT. I FEEL LIKE THIS PROGRAM WAS SET UP TO HELP FAMILIES IN PA BUT ITS MAKING SITUATIONS WORST BECAUSE OF THIS LACK OR STAGANT MOVEMENT THEY ARE PUTTING FAMILIES LIKE MINE IN FORECLOSURE STATUS! IM WONDERING IS THIS THE GOAL? OR IS THE GOAL TO PROCESS MY APPLICATION GET THIS AGREEMENT SIGNED THAT YOU WILL ACCEPT THE ASSISTANCE FUNDS FOR THE PAST DUE AMOUNTS OF DELINQUENT PAYMENTS, AWARD THE MONEY, SEND THE PAYMENTS. 
SEEMS SIMPLE ENOUGH SO WHAT IS THE HOLD UP???? 
THIS IS THE EMAIL I SENT OUT LAST MONTH -- -- -- - XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX  to XXXX, XXXX XXXX  Hello XXXX, I received your message and I spoke to XXXX yesterday afternoon. I want to start by saying this is more than beyond Unfortunate ( to say the least ). I am in the same situation as I have been patiently waiting for this process to be completed for months now. And I am in a worse situation than I was in XXXX and XXXX. Everyone that I have spoken to from PAHAF is aware of this. 
I have done everything asked of me to do per my participation and applying for assistance with PA HAF. 
I would like to know why this was not caught ( XXXX ) non-participation with PA HAF in the beginning stages of this application process? 
It makes no sense and is Grossly Negligent to me that I am just literally finding out as of XX/XX/XXXX from MIDWEST LOAN services- servicing provider for XXXX that they ( XXXX ) is not participating. And I will continue to do what I can to shed light on XXXX non-participation. 
However, it seems I was not properly notified or made aware of all of this in a timely manner from PAHAF- MIDWEST LOAN- XXXX. 

I am behind on my mortgage 5 months with this current month of XX/XX/XXXX XXXX {$1000.00} all due in total as of today {$6200.00}. It would have only been 3 months but due to MIDWEST not accepting any more payment from me since XX/XX/XXXX i am now a total of 5 months. 
I was trying to pay my mortgage payment each month starting XXXX XXXX once I obtained employment for the purpose of not falling further behind. 
However, I was not able to make the payment independently because I have been in collections. I was told by XXXX XXXX ( who works with Midwest Lost Mitigation or Collections dept. ) who was working with me to call her each month so that she will process my payments. That stopped in XX/XX/XXXX. I explain all of that to say I have been doing what I can to not fall further behind as I'm waiting for the process of approval and award / payment from PAHAF. Really ( at this point ) I want help with saving my home! This is MY and My Family home, me and my children! 
I am not getting any more information to help me with getting my mortgage payments current! 
I don't want to believe that this program was created to " NOT '' help families like mine. Families through no fault of our own that have been Financially affected and forced to deal with this PANDEMIC! 
I want to know what are the next steps from here? 
How and ( if any ) what options do I have to get assistance now to catch up on my past due mortgage payments? 
Are there any other NON profit organizations that PAHAF works with that may be a liason to XXXX so that I can get the payment to them for my mortgage? 
Will anyone assist me with this? 
Is PAHAF working on solutions to find another way to help me? 
Do I or Should I reach out to XXXX XXXX directly? 
Do I need to reach out to the U.S. DEPARTMENT OF TREASURY  and Pennsylvania State treasury? 
I refuse to do nothing and I have not been given any options from anyone. 

I am currently waiting for XXXX to get back to me, as she PROMISED ( yesterday afternoon ) she will contact me this morning. I have left XXXX a text message ( not sure if she has received it ). 
I am available all day via phone XXXX and text, email XXXX. 


NOW I HAVE - INCLUDED SCREEN SHOT OF EMAILS I RECEIVED MADE NUMEROUS CALL A TOTAL OF 30 FROM XXXX. 
OUT OF 30+ CALL AT LEAST 15 I REQUESTED A CALL BACK FROM PAHAF SUPERVISORS FOR CLARITY ON MY APPLICTION. I NEVR RECEIVED CALL BACKS OR INFORMATION. IN XX/XX/XXXX I FINALLY RECEIVED GENERIC EMAIL FROM PAHAF OUTREACH. 
I THAN WAS IN CONTACT WITH XXXX WITH PAHAF. 
I DID NOT THINK BACK IN XXXX THAT I WOULD STILL NOT HAVE THESE ANSWERS. 
I HAVE RECORDINGS ALSO WITH SPEAKING TO ALL OF THESE INDIVIDUALS FROM PAHAF-MIDWEST LOAN SERVICESXXXX XXXX XXXX XXXX  XXXX 

THEY ARE NOT ASSISTING ME OR GIVING ME CONFIRMED ANSWERS WITH MY APPLICATION FUNDS PROCESSING I WANT TO KNOW IF I HAVE BEEN APPROVED FOR ASSISTANCE ( BECAUSE IT SOUNDED THAT WAY BASED OFF OF EMAIL FROM XXXX. ) ALSO WHEN WILL THE MORTGAGE LENDER GET THESE FUNDS? I NEED TO KNOW IF I HAVE TO TAKE OTHER OPTIONS AND THIS ORGANIZATION IS NOT GIVING DEFINATE RESPONSES THIS IS UNEXCUSABLE FROM ALL INVOLVED. 
HOW MUCH LONGER DO I NEED TO WAIT BECAUSE THEY ARE NOT STOPPING THE FORECLOSURE PROCESS.

Company response to consumer: Closed with explanation