Consumer complaint received 2025-04-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fairway Independent Mortgage Corporation
State: NC

Complaint narrative:
I filed a complaint against the previous serviceXXXX XXXX XXXX XXXX XXXX XXXX XXXX about a year ago because of the problems that I had trying to get a bereavement forbearance. The agents told me that in order to receive a forbearance I needed to skip two payments. I thought all I needed to do was send in death certificate and written request for forbearance. Instead they demanded a full financial package to evaluate my ability to pay when in truth all I needed was two month bereavement forbearance. According to the VA, XXXXXXXX XXXX XXXX XXXX XXXX did not need to do a full financial evaluation to grant this request, yet XXXX turned this simple exercise into blood sport that has led me to foreclosure. I am XXXX XXXX XXXX and served my country in the XXXX XXXX during XXXX XXXX XXXX and the XXXX XXXX and was awarded a XXXX XXXXXXXX. After I left the military I was a XXXX XXXX XXXX XXXX XXXX for close to 30 years. I should not be going through this, and I blame my mortgage company. 

After I filed this complaint XXXX XXXX XXXX XXXX XXXXtarted working with me and reviewed a full financial package and offered me a loan modification ( attached ) on XX/XX/XXXX. I accepted the loan modification and began making the monthly payments of {$4200.00} starting in XXXX all the way through XXXX. I had been told by XXXX XXXX XXXX XXXX that I would receive paperwork to finalize the loan modification within a month or XXXX but this paperwork did not come. When I asked XXXX XXXX  XXXX what was going on, they told me they had to resolve an issue with title, and requested that I send paperwork to clear up the title situation. They still did not send me the paperwork but I was advised to keep making the monthly payments to XXXX XXXX XXXX  and I did. I then received a letter that Fairway was now the investor on my loan, but that nothing would change. I called in and made the XXXX modification payment and this was accepted by XXXX XXXX XXXX. When I called in to make the modification payment in XXXX I was told that they would not accept the payment, because the loan was now being serviced by Fairway. 

When I called into Fairway they said that they had put me into foreclosure on XX/XX/XXXX because I had not been making my payments. They had no record of my previous modification payments or the modification that XXXX XXXX XXXX XXXX  offered me for my VA loan. I requested a payment history from Fairway Servicing ( attached ) that shows they received the XXXX payment but put the funds into suspense and did not apply them to the mortgage. 

I asked to speak to a manager and was told that Fairway has no record of my loan modification and no record of the payments that I had made. They told me that I was in foreclosure and that I would have to submit a package of financial information to be considered for assistance. 

Not only is this outrageous, this is borderline criminal. I am XXXX XXXX XXXX and I dont have time for this XXXX, this company is trying to XXXX me over and it will not stand. I dont know who is truly at fault here, whether it is Fairway or XXXX XXXX XXXX  but they need to be held accountable.

Company response to consumer: Closed with explanation