My mortgage was sold to Greentree servicing. Due to medical issues, I fell XXXX month behind on my mortgage. I spoke with someone at greentree and told them I was planning to pay extra every month to catch up. I then became only XXXX behind. I then was put into foreclosure ... for being XXXX behind. I called greentree, they told me they mailed me a letter telling me to be current by a specific date. I never got this letter. They then stopped accepting payments from me, and told me I had to make pay all past due amounts at once. This included a check they cashed but put into holding, but did not reduce the amount I owed. It took a few months ( XXXX ) to get them to come up with the right amount that included that cashed check. I then attemped to pay the amount past due in total. I was informed that they sent an email to legal and had to wait for a response before they could accept payment in full. ( due to the foreclosure fees they needed to get info on ) I was constantly told to call back the next day, I did, eventually they began saying call back in a week, I did.. then it became nothing by being sent to voicemail and no one returning my calls. This occurred for a full year. I was then massively behind. At my wits end and months away from being kicked out of my home, I contacted XXXX. Only then did greentree talk to me about my mortgage again. They told me I only had XXXX option in the modification that extended my loan from XXXX more years, to XXXXXXXX XXXX! They then tacked on over {$10000.00} to my principle balance.. They claimed this was a charge for " capitol '' I now owe MORE on my mortgage than when I bought my home in XX/XX/XXXX. I contacted greentree to find out what this " capital '' was and they will only give the answer " Its just capitol on the mortgage '' That is not an answer. Bottom line, is that I had to modify a mortgage due to their negligence, and they get to add XXXX XXXX dollars to my principle balance. Contacting them has not gotten anything resolved. They went from being harassing and threatening me, to avoiding and causing extreme financial issues that could of been completely avoided. 
