Mortgage -- Struggling to pay mortgage -- Complaint #6020842
Complaint Overview
Complaint ID: 6020842
Company: Everbank, National Association
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Struggling to pay mortgage
State: New York
ZIP Code: 11763
Date Received: 2022-09-26T12:00:00-05:00
Date Sent to Company: 2022-09-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My husband was ill and passed away, we lost the main income overnight. I also lost my income, I tried to negotiate with the bank to try to do a modification, recently I tried to do a short sale to preserve my credit and maintain hopes that in the near future if my financial situation turn around I will be able to purchase a home for me and my family. The lender has stalled my request for mortgage assistance as they have denied a 3rd party authorization to speak on my behalf, although I have granted them permission. The mortgage has many violations 1st the lender does not have the original mortgage note and has not presented the original mortgage note 2nd the lender has not acted in good faith to resolve this matter with me 3rd the lender although I had covid and my family was ill the mortgagor did not acknowledge or offered me any COVID relief during the period that I had XXXX 4th the mortgagor failed to comply with XXXX XXXX, XXXX & XXXX Finally I would like a full copy of my mortgage records to be forwarded to me from the lender which is to include all payments, mortgage notes & assignments, default notices, and all proof of compliance with the NYS and Federal Mortgage laws. 5th I reached out to the bank 's attorney on several occasions to tell them my deceased husband who was on deed passed away before the judgement of foreclosure was filed. They never served his estate in the foreclosure proceedings. They are not supposed to auction the home without letting his estate know. My husband passed in XX/XX/2015 and the judgement of foreclosure was filed after his death. I've attached one of the most recent emails sent to the bank 's attorney regarding the estate issue. To which they said they are still waiting on the bank to respond to. It's been a week since the last email and they were called today.
Frequently Asked Questions
What is Complaint #6020842 about?
Complaint #6020842 was filed against Everbank, National Association regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2022-09-26T12:00:00-05:00.
How did Everbank, National Association 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 Everbank, National Association?
Yes, visit the Everbank, National Association company profile at readthecomplaint.com/company/everbank-national-association 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.