In XXXX XXXX, I received a divorce degree from my wife and was awarded the marital home by the courts. However, after seven months of seeking to assume the full mortgage in my name, XXXX XXXX refused to refinance or remove my wife 's name from the mortgage and acted in bad faith throughout the negotiations by delaying any attempts for me assume the title and mortgage for the home even though I provided them with copies of court records, divorce decree and financial statements to prove my " financial fitness. '' In XXXX XXXX, I signed the house over to my former wife and left the home after XXXX XXXX said I was unable to pay the mortgage after the divorce although I had maintained the mortgage and maintenance of the house without a missed payment for 15 months. During our marriage, there was never a late or missed payment of the mortgage. When we obtained our original mortgage from XXXX XXXX, we also became involved in a dispute whereby a white XXXX XXXX employee refused to accept our application for a mortgage when she learned that I and my wife were XXXX. We had no problems with our credit or other applicant information until I corrected information on our application that had misidentified me and my wife as " XXXX. '' It was at this point, that the XXXX XXXX representative refused to complete our application or return our calls. It was only after we complained about these actions to XXXX corporate office and threatened legal action concerning the company 's well-known past actions to redline XXXX customers did we get a positive response from the company and completed our mortgage agreement. During my application for mortgage assumption, the XXXX XXXX representative told me that I should have no problem assuming the mortgaged after paying a {$1600.00} assumption fee, but after submitting my application I received a letter in the mail a week later saying my application was denied. Since then, XXXX XXXX has also refused to allow my former wife to assume the mortgage and has kept both our names on the mortgage and credit reports although we have been divorced now almost two years. Their actions have had halted my efforts to purchase a new home with a low-interest rate and has negatively impacted by credit report because my former wife has not kept up with the payments. In addition, although the company says that I am a mortgagee, it has refused to give me online access to the account and tax records. 
