Mortgage -- Struggling to pay mortgage -- Complaint #5397076
Complaint Overview
Complaint ID: 5397076
Company: Aspen Yo LLC
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Struggling to pay mortgage
State: Virginia
ZIP Code: 23231
Date Received: 2022-04-01T12:00:00-05:00
Date Sent to Company: 2022-04-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My loan was acquired XX/XX/XXXX by Gregory Funding LLC. Even after receiving Letter of Authorization from my Bankruptcy Attorney ( XXXX XXXX ), The servicer has failed to provide me with detailed information regarding my loan- making it unclear where I stand. After excessive hold times and an escalated call back from a Bankruptcy Representative today, the servicer stated that they are unable to provide me with these two basic requests : -What months am I currently due for? ( In other words, if I make a payment today to your company OUTSIDE OF MY BANKRUPTCY AGREEMENT/POST PETITION PAYMENTS what month will my payment be applied to ) -What is the total delinquency amount? The reasons I am requesting this information are as follows : I am currently under review for mortgage payment assistance with the Virginia Mortgage Relief Program and they are in need of detailed information regarding my delinquency that I have been unable to provide due to the incompetency of my current mortgage servicer. My application has been opened since XX/XX/XXXX. My intention is also to begin making payments directly to the servicer to pay down the arrearages quicker in the event that I am denied for the XXXX however, I am disputing the total delinquency amount and would like a breakdown of payments due prior to doing so. On the call today with representative 'XXXX XXXX in the Bankruptcy Department XXXX She stammered and stuttered through the reasons she was unable to provide assistance with my requests. On the first 34 minute call ( XXXX XXXX XXXX ) I was advised that the information could not be provided to me due to the active bankruptcy ... although she acknowledged receipt of executed Authorization from my attorney. On the second outbound 37 minute call ( XXXX XXXX XXXX ) she advised the reason she could not provide the information because the Post Petition Plan was not currently in effect. She argued that the reason that they can not view or obtain the information ( months currently due ), was because the bankruptcy protects the account from Foreclosure. I advised that I am aware of the Bankruptcy Protection Act, however the mortgage servicer should still be able to provide an explanation of arrearages. She offered to send out a contractual reinstatement letter but did not seem confident that the letter would provide the information requested. I am disputing the total delinquency amount and I am requesting that all arrearages for which can not be explained be forgiven. Thank you
Frequently Asked Questions
What is Complaint #5397076 about?
Complaint #5397076 was filed against Aspen Yo LLC regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2022-04-01T12:00:00-05:00.
How did Aspen Yo LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Aspen Yo LLC?
Yes, visit the Aspen Yo LLC company profile at readthecomplaint.com/company/aspen-yo-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.