Reliance Financial Group review: Loan modification

back in about 2020 we were contacted by this company saying they can get our current mortgage modified to a lower interest rate and lower our current payment, everything looked legit so we sifned up with them, the first thing they had us do was to start sending them our monthly mortgage payment and they would take care of our payments to Loancare our at the time current mortgage, please keep in mind that also prior to them signing us up with them we had never been one day late with our house payment, not one day, shortly after signing up covid started up, this giving them the excuses as to why it was taking so long to close the deal in the modification and lowering our payment, every month they sent us payment reminders to make sure we sent them our payment wich we did, all the time assuring us that everything was going as planned and we would close soon. Well 2 years later we were still waiting to close and still sending them out house payments each month, Then we got a notice saying that our current mortgage was sold from Loancare to Gregory Funding, I contacting our rep at Reliance who said this happens all the time nothing to worry about and nothing changes and since covid was getting better we should be closing soon, at that time I became disabled and was forced to medically retire, I then cashed out my retirement and attempted to get a payoff, reliance stalled and stalled and made up excesses why the couldn't get me a payoff, and we attempted to call the current note holder Gregory finance who said that they could not talk to us until we file a cease and desist order to reliance funding, this made no sense to us. every month I contacted our rep at reliance funding who stated not to payoff the mortgage that I would mess everything up and loss about $30,00- and to just wait as they were about to close the modification loanand we would be set. Well the next thing that happend is that we got a letter stating that our payment is going from $1275 to $1875 for the next 6 months and we must pay this amount in order to complete the modification which we did and never ever was not even one day late just like all the previous monthly payments and once the sixth payment of $1875 was received that our payments would go down to the new lower interest rate, After paying OCTOBERS PAYMENT OF $1875 AND THE 6TH PAYMENT WE GOT ANOTHER LETTER FROM GREGORY FINANCE STATING THAT the modification is now complete and attached are the new terms for our mortgage, well needless to say it was nothing like we were promised from Reliance and that our payment is now over $1950 a month which also has an arrearages of over $6000 in negative escrow which they want in December and also over $14,000 in late fees and penaltys we got this letter just today, it also says if we don't agree to it by 11/22 we would be waiving our right to appeal anything. I attempted to contact our reps at Reliance who we had been working with for 2 years a Monica Diaz and a Jeremiah Martinez, when I emailed them all I got a response for both of them was "Address Not Found" address could not be found and was not delivered, so what happend to the $1875 payments we have been makeing to reliance funding for 2 years now and the letter states that our new mortgage balance was $197,000 when we started this whole thing in 2020 our balance was $179,000...there must be some Federal agency was can call to step in and investigate this. We are at a loss here.