The FTC says it is refunding nearly $3 million to consumers deceived by the Golden Home Services / Home Matters USA mortgage relief scheme. The case resulted in court findings against the operators and consumer bans and required payments.

The FTC announced that it is returning nearly $3 million to homeowners who were deceived by the Golden Home Services / Home Matters USA mortgage relief scheme. According to the agency, struggling homeowners were targeted with promises of mortgage relief while the operators allegedly took millions from consumers seeking help. The FTC states the matter involved an FTC lawsuit that led to a court finding against the scheme’s operators. As part of the resolution, the operators were reportedly subject to bans, and the court required payments tied to the deceptive conduct. For affected consumers, refunds are being mailed. The FTC’s update highlights a recurring pattern in mortgage-relief fraud: claims of guaranteed relief or special access, pressure to act quickly, and representations that do not match what homeowners actually receive. The FTC frames the refund effort as a direct step to make harmed consumers whole, after years of alleged losses during the period when homeowners attempted to resolve mortgage issues through the defendants. Source: FTC press release dated June 9, 2026.