Cornerstone Mortgage, Inc. Mortgage Complaint

Cornerstone Mortgage, Inc. Mortgage department,

FHA mortgage Loan modification,collection,foreclosure Kansas

We have been challenged with medical expenses compounded by tax obligations tied to a previous complaint with -. I am writing to ask for the CFPB to review the policy for loss mitigation practices for Cornerstone Mortgage. I applied in early - 2015 asking for consideration on a 6-12 month modification. They acknowledged receiving and asked for additional information. They state that they do not consider the options until deemed facially complete. My application was denied as we are not passed due therefore not at risk, the purpose in my applying was to avoid that situation and the potential increase in borrowing based on their reporting to the Credit Bureaus. To compound the stress with the situation Cornerstone continues to have their telemarketers call asking when I will make my payment even though a late fee is assessed for being outside the - grace period. The mortgage is not past due until the - of the month. I believe the language should be reviewed on loss mitigation for the consumer to understand you will not have any option until you are past due. In addition Cornerstone should not be advocating applying for a loss mitigation package and the ensuing documentation required if the consumer will not even be considered. To apply for the loss mitigation and continue to receive calls even though I am not past due is some form of harassment in my opinion.