client came to office to see housing counselor - packet was submitted to Pacific Union and according to client, they initially confirmed verbally that her file was in review. however, client has not received anything in writing. Client did go to XXXX court hearing on XXXX/XXXX/2015 and the case was stricken from the case management call, the Court having determined that no further case management conference is necessary. Client believes that no one from lender or lender 's representative showed up to court that day. Since then, the lender/servicer continues to harass her with phone calls and written correspondence regarding amounts owed, and client states that she opens all her mail, so she is unaware of any written correspondence regarding her file submission. On XXXX/XXXX/15, client was serves again with another foreclosure filing - and has another court hearing on XXXX XXXX, 2015 - housing counselor scanned in all of her documents to her file, and will call lender for status at this point. XXXX informed client to go to court hearing - according to the new set of documents client brought into the office, the new petition states that her previous loss mitigation packet was closed due to insufficient income, and did not qualify - this will need to be confirmed with lender - Called Pacific Financial @ XXXX and spoke with XXXX. missing docs letter was not sent because the information that was sent in XXXX - and because the previous review for assistance was denied due to insufficient income, no change of circumstance had occurred - so therefore no missing docs letter was sent to client - according to XXXX, file was never submitted to review - because it was immediately determined that income information and household circumstances were same as previous submission - therefore file was closed. Lender/servicer did confirm that FHA is investor and she needs to consider transition option at this point - XXXX continued to meet with client at this point to discuss alternatives. XXXX now has a discussion with client - file a complaint with CFPB - show up to court on XXXX/XXXX/15, and request mediation - and understands that there is strong possibility that client will have to resubmit file once again since previous file was closed with no missing docs letter or acknowledgement letter provided to homeowner. 
