How does the foreclosure process start?
Someone who has a mortgage stops paying. By the time the home is actually foreclosed they have not been paying for some time. And for most of these people, they have not been banking the payments.
The bank may make some errors in the processing that foreclosure, and they should do their very best to avoid those errors.
But nobody is going to get a free house because some overworked employee did not do everything right.
If that happened, none of the rest of us would ever get a loan again.