Complaint Review: home matters usa

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.