home matters usa south west consulting enterprises, INC. ?ROGER S DYER CHIEF EXECUTIVE OFFICER OF SOUTH WEST CONSULTING ENTERPRISES, INC (HAS SAME REGISTERED ADDRESS AS HOME MATTERS USA) HOME MATTERS USA HAAAD ME MAKING MONTHLY PAYMENT TROUGH ZELLE TO THIS COMPANY REFI LOCKED IN 2.5% GOV PROGRAM COVID HARDSHIP POSSIBLY REDUCING PRINCIPLE LOS ANGELES CALIFORNIA

THIS COMPANY CALLLED ME DURING THE COVID CRISIS STATING IF I HAVE BEEN AFFFECTED. ASKED ME TO WRITE A HARDSHIP LETTER AND COULD REDUCE MY INTEREST RATE. LOCKED IN AT 2.5% PLUS POSSIBLY REDUCING MY PRINCIPLE. THIS WAS A GOVERNMENT BACKED PROGRAM. HE TOLD ME TO START MAKING MONTHLY PAYMENTS THRU ZELLE TO MAKE ME LOOK GOOD TO  THE LENDER. THEY WOULD TELL ME THE AMOUNT . YEAR TO DATE I HAVE PAID  $8064.48.

The amount is described as follows: John Adams DBA Home Mattress USA stated they wanted me to make monthly payments through Zelle.  I,  STARTED MAKING PAYMENTS TO A COMPANY CALLLED SOUTH WESTCONSULTING ENTERPRISES INC. I signed a cease and desist with my mortgage company. WHICH MEANT I DO NOT TALK TO THEM ONLY HOME MATTERS USA DOES. THEY EVEN CHANGED THE ADDRESSS SO ALL THE MAIL FROM MY MORTGAGE COMPANY WOULD GO TO THEM.

SO I STOPPED PAYMENTS . I BECAME $16,0000 BEHIND ON MY MORTGAGE AND IN DEBT TO THEM FOR $8.0000 THEY KEPT SAYING I HAVE A LOCKED IN RATE OF $2% AND THEIR WORKING ON MY PRINCIPLE JUST A LITTLE BIT LONGER. I TOLD THEM I WANT MY MONEY BACK IM NERVOUS ABOUT THIS WHOLE THING.THEY SAID I COULD NOT GET MY MONEY BACK BECAUSE I HAD A LOCKED IN RATE OF 2% I NEVER SAW IT. I STOPPED THE CEASE AND DESIST AND WAS ABLE TO BRING MY MORTGAGE CURRENT. NO HELP FROM THEM.. NOW IM TRYING TO BRING THEM TO SMALL CLAIME COURT TO GET MY $8000/00 BACK MY FIRST DEMAND LETTER WAS RETURNED. IF ANY ONE KNOWS AN ADDRESS OR NAME TO SERVE THEM IT WOULD BE GREATLY APPRECIATED.