Round Point Mortgage Mortgage Complaint

Round Point Mortgage Mortgage department,

FHA mortgage Loan modification,collection,foreclosure Texas

In - -, my family experienced a hardship ; due to loss of income and illness. In - -, we applied for home retention services with Round Point Mortgage Servicing. After working odd and ends temp jobs, my husband found stable employment in - -. After sending in multiple duplicate documents, our modification package was deemed complete in - -. We were approved for a trial modification in - -, which required us to pay $1200.00 for three months and upon completion we would receive a permanent modification in 30 days. We called once a week for 4 1/2 months, waiting to receive permanent modification documents ; the servicing was horrific! After writing an unanswered QWR and escalating calls to Supervisors ; we finally received permanent modification docs in - -. The payment was higher than our original mortgage note and brought us little to no relief. Besides the fact that out delinquency is now sitting in a second lien position with - and we now on title, owe more on our mortgage than we did when we closed on our home back in - -. In - -, we received a letter informing us that our servicer would be


we received another letter advising that our mortgage was being transferred back to Round Point Mortgage effective - -, -. This was devastating! Not only because our mortgage would be back in the hands on this incompetent servicer, but we would have yet another two month delay in positive mortgage credit reporting. We reached out to the Investor of our mortgage - - Mortgage, and the horrible treatment continued. We were told that our QWR was never a QWR, that any and all credit reporting issues were all our fault for becoming delinquent and that explanation for having our mortgage tossed back and forward between - servicers was not necessary. Lastly, we were advised that our attorney had failed to reach out to them ( What attorney? We have no legal representation, neither have we ever claimed such. ) We take full responsibility for becoming delinquent on our mortgage. However, once monthly income was re-established we complied with everything our servicer and investor said. We have been paying our monthly mortgage since - - ( including the - trial payments ). Due to careless, unfair, unprofessional, predatory servicing/lending ; our mortgage is still not affordable, we owe $ - on our home, when our home sold for only -, our credit reports only reflects - out of the 14 months of consistant monthly payments we 've struggled to make and the Investor of our mortgage will not hold themselves or their servicer accountable for the poor and incompetent handling of our mortgage. Please help us! Sincerely, - and - -