Mortgage -- Struggling to pay mortgage -- Complaint #5187957

Complaint Overview

Complaint ID: 5187957

Company: Triad Financial Services, INC.

Product: Mortgage

Sub-Product: Conventional home mortgage

Issue: Struggling to pay mortgage

State: West Virginia

ZIP Code: 259XX

Date Received: 2022-02-04T12:00:00-05:00

Date Sent to Company: 2022-02-04T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX being out of work in XX/XX/XXXX and only drawing two weeks of unemployment that wasnt even close enough to pay bills after XXXX struck my entire family. I feel behind on our home mortgage. The mortgage company has not been very helpful. I have been sending payments in as I can to not get further behind, not sure if there is deferments or not. I wasnt aware that things was so out of hand until, I check the Mail to only find a payment I had sent returned. Sad part about it is I had paid another that same morning that will soon be returned as well. The gentleman who has taken the account over has avoided our calls by all means, if you tell him thanks when hanging up, he says yep.. He talked down on me asking about my job when I had covid and my family had it. Guess he thought my job paid me, well they didnt but I guess thats hard for him to believe. He is real arrogant and just a smart butt and left us not knowing what we owed, no paperwork sent telling us and we are told hes the only person you can talk too! I spoke with him on XX/XX/22 briefly before disconnecting the call on him because of his uncalled for remarks after he more less told me he had tried calling but phone was disconnected and just excuses because he hadnt called. I have proof of my phone not being disconnected. He pretty much through a # at me about whats owed and didnt even offer to break down the charges. I know that I dont owe that kind of amount for just the mortgage. The mortgage is only in this collection department but isnt originally financed through them but when contacting the originally lender, they wont tell you anything due to it being in legal. I mean does someone not need to send a certified letter or something to notify the borrower about all this. The collection advisor even smarted off and more less said to me before I disconnected the call, that normally they dont even return your call and made remark more less saying I was lucky he called me I had been calling for days. Another thing these companies dont understand is they need to leave me a voicemail. My job doesnt allow use of phones during work. I work a dangerous job. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I drive 1hour 45 minutes each way to work. I leave home at XXXXam to go to work by XXXX am.. & get home at XXXXpm. These people arent even in office at that time. By no means do I avoid anyone but I have a job and its not sitting at a desk to where I have phone access at anytime.

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Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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