Date received
stringclasses 363
values | Product
stringclasses 1
value | Sub-product
stringclasses 6
values | Issue
stringclasses 10
values | Sub-issue
float64 | Consumer complaint narrative
stringlengths 23
31.2k
⌀ | Company public response
stringclasses 10
values | Company
stringclasses 699
values | State
stringclasses 58
values | ZIP code
float64 603
99.9k
⌀ | Tags
stringclasses 3
values | Consumer consent provided?
stringclasses 4
values | Submitted via
stringclasses 5
values | Date sent to company
stringclasses 364
values | Company response to consumer
stringclasses 5
values | Timely response?
stringclasses 2
values | Consumer disputed?
float64 | Complaint ID
int64 5.3M
6.67M
|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
05/27/22
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null |
My payment is {$1000.00} per month and I have a monthly income of only {$800.00} and they will not work with me to refinance or lower my payments. Ive inquired with them for 6 months or more. They offered to pay me {$1000.00} for my home and property instead of trying to help solve the problem. They say I'm approximately {$4000.00} behind and will not give me time to pay it, nor will they offer to even work out a better payment plan. I'm XXXX and on XXXX and I'm a single lady. I've tried and applied for any and every assistance program and grants via the government and our local Community Action Program.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
VANDERBILT MORTGAGE & FINANCE, INC
|
KY
| 41,265 | null |
Consent provided
|
Web
|
05/27/22
|
Closed with explanation
|
Yes
| null | 5,609,732 |
03/30/22
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null |
I have been on the phone for 25 minute trying to catch my mortgage up to date. I removed money from my 403 k plan to pay back past 6 months of missed. freedom mortgage is refusing to take the money and I had asked to fill out a modification several times in the past few months and they said no I can't because I'm behind. I also told them it takes about 30 days for my money to come from my retirement and the last time they had me request the wrong amount and than charged an enormous late fee. I took out extra this time but really need a modification I was out of work due to an injury late in the summer refereeing hockey game at my part time job. The lady at Freedom just refused to take the payment and told me I could only apply for a forebearance
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Freedom Mortgage Company
|
MA
| 2,767 | null |
Consent provided
|
Web
|
03/30/22
|
Closed with explanation
|
Yes
| null | 5,387,507 |
08/24/22
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null | null | null |
Ocwen Financial Corporation
|
SC
| 29,307 | null |
Consent not provided
|
Web
|
08/24/22
|
Closed with explanation
|
Yes
| null | 5,914,614 |
05/19/22
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null |
I was current and XXXX XXXX XXXX XXXX until COVID 19 hit, XXXX XXXX was closed and I had a great reduction in income I have been in the forbearance but it ended and I was approved for a deferment then I was service transferred. My understanding was I would be current but I was told yesterday I am behind due to the time lag it took for Fay servicing to get my loan updated and in the mean time Fay servicing would NOT accept payments I can afford to make normal mortgage payments but cant reinstate the loan or afford a higher payment, please put the payments in the loan so I can be current and keep my home I AM NOT receiving unemployment My other property that has the exact same situation located at XXXX XXXX XXXX XXXXXXXX GA serviced by Fay Servicing with loan number XXXX was approved for a repayment plan I have the exact same financials used for both but the normal payment for XXXX XXXX XXXX is {$390.00} and the normal payment for XXXX XXXX is {$560.00}. Please re review my loan for the repayment plan as it should be qualified more than XXXX XXXX was with a higher mortgage payment and same delinquency as both were current when COVID 19 started I and my wife are XXXX XXXX XXXX XXXX who served in combat in XXXX and we want to avoid foreclosure and keep the home.
| null |
Fay Servicing, LLC
|
GA
| 31,313 |
Servicemember
|
Consent provided
|
Web
|
05/19/22
|
Closed with explanation
|
Yes
| null | 5,579,281 |
05/05/22
|
Mortgage
|
Conventional home mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null |
Flagstar Bank I was continually receiving request for additional information. I provided the information and Flagstar would request updated information. The application and subsequent information lasted XXXX year. I believe I was not treated fairly.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Flagstar Bank, N.A.
|
FL
| 33,186 |
Older American, Servicemember
|
Consent provided
|
Web
|
05/05/22
|
Closed with explanation
|
Yes
| null | 5,547,024 |
05/19/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null |
From my home loan account, Bank Of America ( BOA ) paid, in error, my yearly home owner 's insurance premiums twice : once to the correct company, XXXX, in the amount of {$800.00}, and then in redundancy to XXXX XXXX in the amount of {$1500.00}.
I switched providers, because the rates at XXXX were too high for me. I notified BOA of this change over a month before this bill was due. I even had a 3-way call with BOA and my new insurance company, XXXX. BOA knew to pay XXXX. Without my consent, they took money out of my escrow and paid both companies! Now, they won't credit my account, let alone admit that they made a mistake. The arrogance that I've encountered with their customer service employees is epic!
I have called BOA numerous times about this mistake, spending many hours on the phone trying to remedy this problem, and no one will credit the funds back into my account. Each time I call, I get a different person with a different story. Each time I am told to wait. Sometimes I have been told to wait 3-5 days, other times 7-10 days, and the last time, XX/XX/XXXX, I was told to wait 30 days by a " supervisor. '' I have made 2 monthly mortgage payments that are higher than necessary, because this error has created a shortage in my escrow, which has significantly increased the amount of my mortage payment that is due monthly. BOA has refused multiple times to do a new escrow analysis, stating that this can't be done until the {$1500.00} premium has been recovered from XXXX. This is extremely frustrating, because they are the ones who won't credit back the funds that they took in error from me and gave to XXXX... supposedly.
I have went as far as contacting XXXX myself trying to recoup the funds. I asked XXXX to return any funds that they may have received. I was assured that no check had been received or cashed, because I had canceled my policy with them. The XXXX representative told me to call BOA and request a " stop check. '' I informed her that I had already asked for that and had been denied.
I believe that BOA has been given more than ample time to resolve my concerns, but as of this afternoon, BOA still has not. I'm beginning to wonder if they plan to remedy this problem at all? Any help that you could render would be greatly appreciated.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
BANK OF AMERICA, NATIONAL ASSOCIATION
|
MO
| 64,804 | null |
Consent provided
|
Web
|
05/19/22
|
Closed with monetary relief
|
Yes
| null | 5,579,971 |
05/03/22
|
Mortgage
|
FHA mortgage
|
Struggling to pay mortgage
| null |
Hi, the reason I am messaging is because I Purchased a Home in a Co-ownership, in XX/XX/XXXX, we split the payments until XX/XX/XXXX. That month that person moved out of the house, and abandoned all responsiblities, payments regarding XXXX XXXXXXXX, and anything related with the house. In XX/XX/XXXX I lost my job and I decided to take the Forbearance plan from my Mortgage company to avoid late payments. In XX/XX/XXXX I found a new job and I decided to get out of the Forbearance plan and start making regular monthly payments. In order to start making payments Pennymac sent me some documents that I will attach below that must be sign by both owners in order to restart payments, I advised the co-owner about that document and this person refused to sign it, and rather the house to be foreclosure. I communicated with the Mortgage company, advised them about the co-owner not wanting to cooperate and they said it must be sign by both parties. I have been responsible with my Home payments since day XXXX, and I think its not fair I have to be afraid to be in foreclosure just because the co-owner does not want to sign or care about the house. I need help from PennyMac to allow me to continue making payments toward my XXXX.
| null |
PENNYMAC LOAN SERVICES, LLC.
|
FL
| 34,771 | null |
Consent provided
|
Web
|
05/03/22
|
Closed with explanation
|
Yes
| null | 5,533,945 |
03/27/22
|
Mortgage
|
Other type of mortgage
|
Struggling to pay mortgage
| null | null | null |
RUSHMORE LOAN MANAGEMENT SERVICES LLC
|
FL
| 32,256 | null |
Consent not provided
|
Web
|
03/27/22
|
Closed with explanation
|
Yes
| null | 5,373,836 |
04/05/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
PENTAGON FEDERAL CREDIT UNION
|
NY
| 11,218 |
Older American
| null |
Phone
|
04/05/22
|
Closed with non-monetary relief
|
Yes
| null | 5,411,500 |
04/02/22
|
Mortgage
|
Conventional home mortgage
|
Closing on a mortgage
| null | null | null |
Dovenmuehle Mortgage, Inc.
|
TX
| 75,969 | null |
Consent not provided
|
Web
|
04/02/22
|
Closed with explanation
|
Yes
| null | 5,399,236 |
04/16/22
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null |
I was placed on a forbearance relief program as a direct result of COVID-19 by Select Portfolio Servicing ( " SPS '' ) on XX/XX/XXXX. SPS is the mortgage servicer for the lender XXXX XXXX TRUST, MORTGAGE-BACKED NOTES. Upon exiting this forbearance agreement, I was placed into foreclosure on XX/XX/XXXX. SPS delayed my modification application by 5 months routinely rejecting the paperwork I initially submitted on XX/XX/XXXX, and not acknowledging receipt of all required forms received. My appeal for a modification has also been denied for the reason that the servicing agreement between the lender and SPS does not permit home retention options to be provided for my non-federal loan even though they promote home retention options on their website for those affected by COVID. The portion of that servicing agreement is not being disclosed citing it is a proprietary legal agreement. I have been impacted by XXXX where I experienced one of the early cases of the XXXX resulting in being hospitalized and absent from work for a total of 10 months between XXXX affecting my income which caused me to become delinquent. Even though I have been impacted by XXXX, my lender is unwilling to work out a repayment plan through the Connecticut XXXX XXXX so a law date could be set for the transfer of property shortly. SPS is aware I can afford to pay the monthly mortgage payment now that my health has improved and is still uncooperative with offering any home retention solutions.
|
Company believes it acted appropriately as authorized by contract or law
|
SELECT PORTFOLIO SERVICING, INC.
|
CT
| 6,040 | null |
Consent provided
|
Web
|
04/16/22
|
Closed with explanation
|
Yes
| null | 5,455,233 |
07/14/22
|
Mortgage
|
Conventional home mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null |
I began working with Cross Country and my realtor in XX/XX/2022. I communicated that my maximum for a monthly mortgage was {$3000.00}.
Prior to placing an offer, I asked Cross Country to provide an estimate of what the monthly mortgage would be. Generally, the initial estimate was similar to what I later received from the mortgage company once the offer was accepted and the property was under contract. For example, for the first property in XX/XX/2022, he provided an initial estimated monthly payment of {$3000.00}. When I received the estimated mortgage after the property was under contract, it was {$2900.00}. I paid for the inspection and appraisal, but unfortunately, I had to cancel that contract due to an appraisal issue.
We continued this same practice of me sending him addresses and requesting estimated monthly mortgage payments. I would send an address, and he would provide me with an initial estimate of the monthly mortgage before I looked at property. This occurred throughout XX/XX/2022.
I also made an offer that was accepted at the end of XX/XX/2022, but elected to cancel that contract ( even after paying for the inspection and fees ).
On XX/XX/2022, in similar fashion I contacted Cross Country and asked him to provide an estimated amount of mortgage payments for two properties, one of which was XXXX XXXX XXXX XXXX, which was listed for {$380000.00}. He responded that this particular propertys estimated monthly mortgage would be around {$2700.00} ( with approximately $ XXXX to close ).
I wanted a draft offer prepared on this property for {$380000.00}. I later attended the open house for the property on XX/XX/2022.
After I attended the property, the offer was submitted to the sellers.
On XX/XX/2022, I spoke with Cross Country and my realtor on the phone about increasing the contract price from {$380000.00} to {$400000.00}. During the call, my realtor asked Cross Country what the estimated monthly mortgage would be as a result of the increase. Cross Country stated that it would be about {$2900.00}.
I increased the offered amount to {$400000.00} and re-submitted my offer, which was accepted.
On XX/XX/2022, I paid for the inspection ( {$400.00} ) and appraisal ( {$750.00} ). In addition, I provided additional documentation to Cross Country for a loan estimate/application.
I also received the loan estimate.
On XX/XX/2022, I contacted Cross Country and asked about the estimated monthly mortgage amount on the disclosure provided on XX/XX/XXXX, which was {$3200.00}. He responded via email and noted that he was negotiating with the underwriters about the taxes. I told him that I did not understand what that meant, so he later called me to discuss it.
During the discussion, Cross Country indicated that he estimated taxes to be around $ XXXX for the {$2900.00} estimate he verbally provided to me. However, the underwriters were estimating taxes to be for $ XXXX per the XXXX XXXX XXXX website, and that was the amount on the Load Estimate Document.
On XX/XX/2022, I again noted my concern with the estimated monthly mortgage amount, which was way over my budget. I asked Cross Country both via email and during phone conversations for an explanation of the initial {$2700.00} estimate that he gave me. Cross Country never addressed those questions. I therefore signed and submitted the cancellation of the contract for the property on XX/XX/XXXX.
On XX/XX/2022, Cross Country called me to provide information indicating that he had been able to negotiate with the underwriters to reduce the estimated taxes, resulting in a reduced estimated monthly mortgage of {$3100.00}. I never received an updated loan estimate in writing indicating this was, in fact, the case.
Because of the constant back and forth and my frustration with trying to understand the big difference in various estimates, I told my realtor I wanted to cancel the contract, again, on XX/XX/XXXX.
XXXX email I noted my frustration with Cross Country and the process of gathering information. He responded indicating that he told me from the beginning the issue with getting an accurate estimate for the taxes on the property and negotiating with the underwriter. I then outlined that the nearly $ 600 monthly difference in the numbers that he had given me were never explained by him, and therefore, I believed he did not provide a good faith estimate ( meaning the initial {$2700.00} was not a reasonable estimate for the property from the start ). He responded and said he never told me that the monthly estimate would be {$2700.00}. But on XX/XX/2022 he clearly wrote in an email that the estimated amount would be {$2700.00} for XXXX.
I am submitting this complaint because Cross Country provided a false and unreasonable initial estimate of {$2700.00} before the offer was extended in an effort to get me locked into a contract. Even when I raised my concern with the amount and wanted to cancel, he said that I had already paid for another inspection and appraisal, would waste my money again, and I could afford it given my debt to income ratio. I never would have considered this property or paid for the inspection and appraisal if he had provided a reasonable estimate, which I believed he had done in XXXX and XXXX with other properties. Prior differences in estimates were {$70.00} or so per month, not nearly {$600.00} per month.
He also claimed that he had these negotiations, but provided no updated loan estimates to support what he was saying. And the culmination of the deception was him denying that he ever told me that the estimated monthly amount would be {$2700.00} for this particular property, XXXX XXXX XXXX in XXXX XXXX, FL.
As a result of this unscrupulous behavior, I am seeking a refund from Cross Country Mortgage in the amount of {$1100.00}, the cost of the inspection and appraisal that I paid for property XXXX XXXX XXXX XXXX. I would not be out {$1100.00} if it had not been for the completely unreasonable and false information that was given to me. Fortunately, I did not enter into a mortgage with this Company, but I still lost money as a result of this behavior.
I will note I am not asserting that the {$3200.00} amount is inaccurate. I am saying that the {$2700.00} ( and even the later {$2900.00} ) amounts were false, which led me to submitting a contract and paying these two specific fees.
| null |
CrossCountry Mortgage LLC
|
FL
| 33,315 | null |
Consent provided
|
Web
|
07/14/22
|
Closed with explanation
|
Yes
| null | 5,767,567 |
03/12/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
WELLS FARGO & COMPANY
|
SC
| 29,720 | null | null |
Referral
|
03/14/22
|
Closed with explanation
|
Yes
| null | 5,321,505 |
04/12/22
|
Mortgage
|
Home equity loan or line of credit (HELOC)
|
Trouble during payment process
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
PENTAGON FEDERAL CREDIT UNION
|
OR
| 97,068 | null | null |
Postal mail
|
04/12/22
|
Closed with non-monetary relief
|
Yes
| null | 5,438,625 |
05/02/22
|
Mortgage
|
Conventional home mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
U.S. BANCORP
|
NY
| 11,579 | null | null |
Phone
|
05/02/22
|
Closed with explanation
|
Yes
| null | 5,529,204 |
06/21/22
|
Mortgage
|
FHA mortgage
|
Struggling to pay mortgage
| null | null | null |
Selene Holdings LLC
|
NV
| 89,166 | null |
Consent not provided
|
Web
|
06/21/22
|
Closed with explanation
|
Yes
| null | 5,689,725 |
03/25/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null |
A tree fell on my house XX/XX/XXXX. I finally settled with my insurance company in XX/XX/XXXX and submitted an insurance settlement check for {$140000.00} to Caliber Home loans in XX/XX/XXXX. Caliber completed inspection in XX/XX/XXXX saying my home is 85 % complete with repairs. Caliber will not release any of my money so that I will be able to finish fixing my house. I have called Caliber Insurance Department since XX/XX/XXXX to resolve this situation and they will not release my money.
| null |
Caliber Home Loans, Inc.
|
LA
| 70,605 | null |
Consent provided
|
Web
|
03/25/22
|
Closed with explanation
|
Yes
| null | 5,368,943 |
03/10/22
|
Mortgage
|
FHA mortgage
|
Trouble during payment process
| null | null | null |
Ocwen Financial Corporation
|
OH
| 43,206 | null | null |
Phone
|
04/15/22
|
Closed with explanation
|
Yes
| null | 5,310,646 |
04/18/22
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null | null |
Company believes it acted appropriately as authorized by contract or law
|
Shellpoint Partners, LLC
|
WA
| 98,290 | null | null |
Phone
|
04/18/22
|
Closed with explanation
|
Yes
| null | 5,461,614 |
04/11/22
|
Mortgage
|
Conventional home mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null | null |
Company believes it acted appropriately as authorized by contract or law
|
NAVY FEDERAL CREDIT UNION
|
WI
| 53,948 | null |
Consent not provided
|
Web
|
04/11/22
|
Closed with monetary relief
|
Yes
| null | 5,431,464 |
03/22/22
|
Mortgage
|
Reverse mortgage
|
Trouble during payment process
| null | null | null |
NATIONSTAR MORTGAGE LLC
|
PA
| 15,104 | null | null |
Phone
|
03/23/22
|
Closed with explanation
|
Yes
| null | 5,351,351 |
03/16/22
|
Mortgage
|
VA mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null |
XX/XX/2022 I applied with New American Funding for pre-approval of a conventional VA home loan. I purposefully applied to several loan companies at the same time to not destroy my credit score. After submitting the pre-approval, I did not have any contact from the lender so I decided to use a different company. On XX/XX/2022 New American Funding pulled my credit score and it was listed as XXXX XXXX. I thought it was fraud. It took me disputing the credit inquiry only to find out that XXXX XXXX was actually New American Funding. Ive never had a credit pull 2 months after applying for something. I ended up losing my dispute and this pull was listed as a hard inquiry. This is how you hurt consumer credit scores when they are trying to do everything correctly.
|
Company believes complaint is the result of an isolated error
|
BROKER SOLUTIONS, INC.
|
CA
| 92,123 |
Servicemember
|
Consent provided
|
Web
|
03/16/22
|
Closed with explanation
|
Yes
| null | 5,330,887 |
05/23/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
WELLS FARGO & COMPANY
|
CA
| 92,019 | null | null |
Postal mail
|
05/23/22
|
Closed with non-monetary relief
|
Yes
| null | 5,592,406 |
04/13/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
BANK OF AMERICA, NATIONAL ASSOCIATION
|
FL
| 33,313 |
Older American
|
Other
|
Web
|
04/13/22
|
Closed with explanation
|
Yes
| null | 5,445,063 |
05/16/22
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null | null | null |
JPMORGAN CHASE & CO.
|
OR
| 97,068 | null |
Consent not provided
|
Web
|
05/16/22
|
Closed with explanation
|
Yes
| null | 5,567,575 |
03/14/22
|
Mortgage
|
FHA mortgage
|
Struggling to pay mortgage
| null | null | null |
Selene Holdings LLC
|
MD
| 20,781 | null |
Other
|
Web
|
03/14/22
|
Closed with explanation
|
Yes
| null | 5,319,395 |
04/16/22
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null |
On XX/XX/XXXX, was notified by Shellpoint interior inspection cancelled. I was told by the inspector on XXXX. I had notified my grandchild tested positive for Covid and I also told my XXXX. I said they could come on XX/XX/XXXX. I guess I'm at fault who knows.
Also told my XXXX about XXXX from my state has sent over to Shellpoint that I was eligible. Still no response on that subject.
Now I don't know where I stand on the modification.
So I get responses when I send a complaint to CFPB.
|
Company believes it acted appropriately as authorized by contract or law
|
Shellpoint Partners, LLC
|
OH
| 44,142 | null |
Consent provided
|
Web
|
04/16/22
|
Closed with explanation
|
Yes
| null | 5,455,126 |
05/16/22
|
Mortgage
|
FHA mortgage
|
Struggling to pay mortgage
| null |
I entered a forbearance plan with Citizen XXXX XXXX due to covid. My forbearance plan ended XX/XX/XXXX and I was told in order to resume making payments I had to fill out a loan modification form so my payments can be moved to the back of my loan. I submitted the application on XX/XX/XXXX. I was verbally told that i was approved and a notary will be contacting me so I can sign the documents needed to finalize the modification. I did not hear from anyone so on XX/XX/XXXX I called regarding my modification. I kept getting the running around and requested to speak to management and I was told I would get a call back and no one ever called me back. I kept calling each day until someone finally advised me I was denied due to a lien against XXXX XXXX. I advised I have no liens against me and it must be a mistake. I escalated this matter to the XXXX and XXXX XXXX from the chairman 's office reached out to me to advise me more of the specifics of the XXXX. I advised it is mistaken identity as that person is not me. I have submitted numerous documents proving that I have no liens against me or my home provided by my local county clerk 's office back in late XX/XX/XXXX, again XX/XX/XXXX and then once more on XX/XX/XXXX. I still have yet to hear from anyone in regards to a resolution. On XX/XX/XXXX I received a letter that my loan is now in default and they will begin foreclosure process if a payment in full is not received by XX/XX/XXXX in the amount of {$24000.00}. I was told by the chairman 's office on XX/XX/XXXX that this will be investigated and everything will be on hold until the investigation is complete but they are moving forward without resolving this mixed identity issues. It has now come to the point that my anxiety levels and stress levels have increased tremendously that I had to get my medication increased and I am under constant monitoring due to me being XXXX weeks pregnant. Citizens Bank is now refusing to provide me with any information when I call and not responding to calls or emails.
| null |
CITIZENS FINANCIAL GROUP, INC.
|
NY
| 14,624 | null |
Consent provided
|
Web
|
05/16/22
|
Closed with explanation
|
Yes
| null | 5,567,719 |
05/30/22
|
Mortgage
|
Conventional home mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null |
Every time I contact Wells Fargo regarding my account, they always seem to have different information contained within my credit and financial records that is not mine and I have notified them of this several times yet more and more information continues to surface, who knows what else they have XXXX up or added into my financial records with them. I am concerned that their notoriety for inability to maintain data privacy and record security of their consumers is resurfacing again. They have data in my financial records that I am unaware of, did not provide, and have no idea who's it is. I have never had these types of fraudulent data security breach issues with any other home loan except for with Wells Fargo, same type of slimy dealing now with my home loan that happened with my car loan, which is why I choose to never do business with them again.
I request that my loan be serviced by a reputable and trustworthy financial institution not one that is incapable of ethical business processes and practices. They should have been disbanded the first time the feds came knocking, nothing has changed except they paid fines and it seem like everyone is looking the other way again now
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
WELLS FARGO & COMPANY
|
FL
| 33,909 |
Servicemember
|
Consent provided
|
Web
|
05/30/22
|
Closed with explanation
|
Yes
| null | 5,617,163 |
05/03/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null | null |
CrossCountry Mortgage LLC
|
NJ
| 7,834 | null |
Consent not provided
|
Web
|
05/03/22
|
Closed with explanation
|
Yes
| null | 5,535,893 |
03/15/22
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null | null | null |
Dovenmuehle Mortgage, Inc.
|
CA
| 94,806 | null |
Other
|
Web
|
03/15/22
|
Closed with explanation
|
Yes
| null | 5,326,693 |
03/10/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null |
On XX/XX/XXXX Tuesday, after I switched my choice to another mortgage company, loan originator and Vice President XXXX XXXX ( XXXX : XXXX ) of XXXX XXXX threw a bunch of discounts and deals at me. He convinced me to change my choice of lender to XXXX XXXX after telling me via phone call at XXXX from XXXX that I can eliminate taxes and insurance payments from my monthly mortgage payment after they receive my first payment. He also stated I would be refunded my impound/escrow account. See the representation in writing within the attached file titled " XXXX Escrow removal promise from XXXX ''.
After I received this email, I changed my choice of lender to XXXX XXXX as the lender to close on my home.
A month passed by. I completed my first payment. I received a Mortgage Statement on XX/XX/XXXX confirming receipt of first payment.
On Monday Friday XXXX, XXXX, I contacted the loan servicer Dovenmuehle Mortgage XXXX Inc ( DMI ) via phone call to cancel the impound account. I dialed the number XXXX listed on Page 1 of Account Statement at XXXX XXXX. I spoke to a very nice lady named XXXX XXXX or similar sounding name ). I indicated I was told I can remove taxes and insurance payment from my monthly payment, as well as have the escrow account reimbursed to me. She informed me she will submit a work order, and I should receive a letter via mail within the next 2 weeks with instructions.
On Thursday XX/XX/XXXX I received an email from XXXX with a letter dated XX/XX/XXXX denying my request to remove the escrow account ( attached file " XXXX Escrow letter '' ). I was shocked, stressed, and agitated beyond words.
I was extremely shocked. I never imagined my request would be denied. If the loan originator, who is also the Vice President of a multi-million dollar Bank, tells me I can remove the impound/escrow account after making my first payment, of course I would trust and believe the information.
I replied back to the loan servicer via email to XXXX. I stated, Prior to closing, lender XXXX XXXX stated that I can remove the impound account and have my escrow fees refunded after making my first payment ( email attached ). Please honor it. My reply is time stamped XX/XX/XXXX XXXXXXXX XXXX XXXX I attached the email dated XXXX where the Vice President XXXX XXXX ( XXXX : XXXX ) of XXXX XXXX confirmed I can remove escrow after the first payment.
As soon as I could, I notified XXXX XXXX ( XXXX : XXXX ) via text at phone number XXXX before emailing him and CCing the Senior Vice President XXXX XXXX ( XXXX ID # XXXX ). This issue is very important to me. I escalated it to resolve it.
XXXX text reply shocked me. I texted him about the issue. I also provided a courtesy notice that I intend to escalate the issue. XXXX replies back asking me if I was threatening him. I was speechless with shock. He has 15 years of experience, as a result, there was no doubt in my mind he knew escalating or elevating an issue means involving managers in an issue to resolve it. I did not want loan originator XXXX to be blindsided with an email where his plausible supervisor, the Senior Vice President, is XXXX Therefore, I provided a courtesy notice. It never occurred to me he would perceive escalating an issue professionally to be threatening. I was really shocked. I just decided to put my personal feelings and confusion aside and focus on the issue at hand. I replied No to his question. I clarified via text that I need his help to cancel the impound.
Via email, I immediately contacted the loan originator and requested his urgent help on this matter. I referenced his XXXX email that stated This is just to confirm that you can cancel your impound account after you make your first payment.
The loan originators response had me reeling with shock and betrayal. He said My email was referring to it not being a requirement in California. I felt frozen, shattered, numb, and horrified beyond belief.
See file titled " XXXX Impounds discussion '' How does This is just to confirm that you can cancel your impound account after you make your first payment translate to My email was referring to it not being a requirement in California? It does not. He clearly said I can cancel the impound account after making my first payment. I trusted the information. On that day XXXX, I would not have changed my choice to XXXX XXXX if XXXX XXXX ( XXXX : XXXX ) did not tell me I can cancel tax and insurance payment after my first payment, as well as have my escrow account reimbursed to me. He knew how important this was to me.
I first talked to him about this via phone call on XX/XX/XXXX Friday where I told him CALIFORNIA LOAN IMPOUND DISCLOSURE AND WAIVER that he was making me sign states that impound is not required for down payment above 10 %. While I was talking to him on the phone, I got the feeling he had no idea about this. He iterated that the lender requires an impound for down payment less than 20 %. I talked to him about this again on XX/XX/XXXX Monday via text. He said I have to do an impound account if I am putting down less than 20 %. He proceeded to say it is better for me since I am a first time homebuyer and it is more convenient for me because I was not used to making such payments. I was very insulted by the implication that I might forget to make the payments because I am not used to it.
I thought there was something wrong with my communication skills. I thought I did not explain it well. I blamed myself for not getting my point across. After all, the document I signed said CA does not require an impound for down payment above 10 %. I emailed him again about this issue on XX/XX/XXXX. XXXX. This time, I showed a screenshot and highlighted where in the 51 page loan document CA law said impound is not required for down payment above 10 %. He again responded saying the lender requires an impound.
After calling him, texting him, emailing him, begging, pleading, and requesting for days to remove the impound, I was mentally and physically exhausted, frustrated, drained, resigned, miserable, and burnt out. The day I chose another lender on XX/XX/XXXX he told me via phone call at XXXX from XXXX that he found out I can stop paying taxes and insurance with my monthly payment, as well as have the escrow account refunded to me after making my first payment. I requested this information in writing. He sent it to me. He calls me again at XXXX from XXXX where he assures me I can remove the impound account. He explained to me that after they sell off the loan to XXXX XXXX, the loan goes to their servicing department. He further explained that after I make the first payment, I would contact the loan servicer to cancel the impound/escrow. If I run into any problem, I can contact him and he will help. I trusted the information. I trusted the promise. I had zero doubt he would keep the promise. I did not anticipate any hurdles related to my request to remove the impound. As a result, on XX/XX/XXXX I was extremely caught off guard and shocked when I received the letter from loan servicer Dovenmuehle Mortgage , Inc ( DMI ) denying my request to remove the impound account. I was 10x more shocked when XXXX told me My email was referring to it not being a requirement in California. I felt misled by XXXX. I felt frozen, shattered, numb, and horrified beyond belief. I trusted his information as the loan originator. He broke my trust. I was distraught, I was drained, emotionally and physically exhausted. I felt very alone. I felt neglected, shattered, and frozen. I was very stressed and unhappy.
XXXX email on XX/XX/XXXX stated : My email was referring to it not being a requirement in California. I would follow up with servicing to see at what point they will allow you to remove impounds. Its possible that once the file is onboarded to our internal servicing department that there might be more lenience here. Since receiving the email, I have reached out to loan servicer XXXX Mortgage XXXX XXXX ( XXXX ) via phone call and email multiple times about the issue of removing the impound/escrow account.
I called XXXX at XXXX XXXX on XX/XX/XXXX. This phone number was provided to me via email where Dovenmuehle Mortgage , Inc ( DMI ) notified me that my request was denied. I spoke to a lady who reiterated the information from the XX/XX/XXXX letter. She said I would be eligible to request escrow removal on XX/XX/XXXX after the loan has reached 80 % XXXX. This would require me to pay ~ {$20000.00} towards principal. The loan originator XXXX never told me this information. I felt so betrayed, alone and helpless. I told the lady about the CA law not requiring impound after reaching 90 % XXXX. She told me to send an email to XXXX with Subject Attn : Research. I sent the email Friday XX/XX/XXXX at XXXX. Refer to attached file titled " XXXX Attn Research_ Request to cancel escrow '' On Tuesday XX/XX/XXXX I received an email from a Resolution Specialist who notified me that research has been initiated on the issue.
On XX/XX/XXXX, I received a message apologizing for the length of time it is taking to research the issue. I was notified they will be reaching out to the Corporate Office regarding this matter.
On XX/XX/XXXX I received another email from the Resolution Specialist indicating they are taking another look at the request.
On Tuesday XX/XX/XXXX I logged into the online mortgage portal to view loan information. I opened a chat session to ask if there are any updates to my request to cancel impound/escrow. The representative XXXX informs me a letter dated XX/XX/XXXX has been issued to me denying my request. The letter is identical to the XX/XX/XXXX rejection letter.
I have been looking forward to removing the impound account since the loan originator confirmed I could on XX/XX/XXXX. So far, I have received 2 rejection letters, 2 emails telling me they are taking a look at this issue, and one message telling me they are in the process of researching my removal request. It has been an agonizing three weeks. I appreciate the commitment and effort the people at XXXX Bank and loan servicer Dovenmuehle Mortgage , Inc ( DMI ) are putting into resolving this issue. I am plagued by the possibility of bad news even after all this wait, after all the effort, after all the patience, agony, and misery I have been going through, Every day I wait in agony hoping for a resolution that is not another denial letter. I am haunted and traumatized by the possibility that the loan originator gave me information without completing due diligence. I wonder if he knew there was a possibility my request would be denied. He seemed unconcerned, not surprised at all via text or email when I told him the loan servicer DMI denied my request. He has told me he had clients who were able to have the escrow removed after a few months. Did he check if it was because they met a requirement? Was there any stringent requirement those clients met which allowed them to remove escrow? I believe it was the loan servicers responsibility to find out all the facts. Did he tell me what I wanted to hear so he could get his commission for closing the loan? I read that a mortgage consultant makes 1 % to 3 % of the loan amount. He was likely paid between {$5000.00} and {$15000.00} or more because I chose to close with XXXX XXXX
On Tuesday XX/XX/XXXX, I called Senior Vice President XXXX XXXX at XXXX XXXX I did not leave a message. He called me back the next day XX/XX/XXXX at XXXX. I tell him the phone call is about my request to remove the impound/escrow. He recalled that I copied him in an email about this. I explain to him that I have received two letters denying my request, and I have received emails and messages indicating they are taking a look. It has been 3 weeks. I wondered if XXXX could help expedite the resolution given his position as XXXX XXXX XXXX. XXXX was very courteous and professional during the phone call. He told me he will speak to Operations and see what can be done.
On Wednesday XX/XX/XXXX, when taking a look at the loan documents, it looked like I agreed to have the property taxes/insurance impounded. This was news to me. I did not know I was agreeing to have my taxes and insurance impounded. The loan originator never told me anything along the lines of This is where you are agreeing to have your taxes and insurance impounded. I did not know I had the ability to refuse to have an impound account. I suspect the loan originator did not know this either. I feel further betrayed, misled, and neglected by the loan originator.
I called Senior Vice President XXXX XXXX on Tuesday XX/XX/XXXX about the issue of canceling impound. He returned my call at XXXX XXXX. He indicated he reached out to Operations. They told him it will take longer to resolve this. He said he will reach out to Operations and let me know if there are any updates.
I called the XXXX phone number XXXX listed for Dovenmuehle on XX/XX/XXXX Wednesday. I spoke to XXXX. She reiterated the same information the two denial letters told me. She also told me they will send the property tax payment to the XXXX XXXX XXXX Collector from the impound account. She indicated there will be an update on tax payment to XXXX XXXX by XX/XX/XXXX Monday.
It has been over 30 days since I first reached out to loan servicer Dovenmuehle Inc Corp. I feel extremely misled, betrayed, abandoned, and neglected by the loan originator. On XX/XX/XXXX he clearly said This is just to confirm that you can cancel your impound account after you make your first payment. If your first payment is in XXXX then by XXXX you should be able to receive a refund of your escrow account. I believed and trusted the information. He assured me through two separate phone calls that I can remove the impound. He also told me he will help me if I face any setbacks or hurdles. His position as a Vice President of a multi-million dollar bank further made me believe he would be able to resolve any situation that arises. But when my request was denied, he simply said My email was referring to it not being a requirement in California. I am not happy with his actions. I am frustrated, exhausted, dissatisfied, and unhappy. I feel wronged. I feel misled. I feel deceived. I feel betrayed. I deeply regret trusting the loan originator.
| null |
Dovenmuehle Mortgage, Inc.
|
CA
| 91,767 | null |
Consent provided
|
Web
|
03/10/22
|
Closed with explanation
|
Yes
| null | 5,307,930 |
04/07/22
|
Mortgage
|
Conventional home mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null |
On XX/XX/XXXX, when I was going through the application process for a cash out refi on an investment property ; XXXX XXXX of AmeriSave Mortgage asked me what I thought the house would appraise for and I told him {$120000.00}. He asked me how much I wanted to cash out and I said {$90000.00}, 75 % XXXX.
He entered {$120000.00} for the estimated appraised value and {$90000.00} for the cash out.
He said everything looked good, credit score, debt ratio, etc but he was having a problem. I thought he had a computer problem or something like that. He put me on hold while he talked to someone else in the organization.
When he came back, he said he was going to change the estimated appraisal to {$130000.00} and the cash out to {$100000.00}.
Why did he enter an estimated appraised value of {$130000.00} for a {$100000.00} cash out refi?
Why didnt he enter the {$120000.00} estimated appraisal and a {$90000.00} estimated cash out?
In hindsight, it seems to me, that he may have change the estimated appraisal value and increased the loan amount to either : 1. To get a better rate quote and to get me to lock in at that rate and pay the {$500.00} application fee or 2. Just to get loan approval.
I hindsight I feel that he knew that the house probably would not appraise at {$130000.00} and he didnt care because when the appraisal came back lower ( the property appraised at {$110000.00} ) then he could renegotiate the loan and/or not match the competitive loan estimate from XXXX XXXX because the loan estimate from XXXX XXXX no longer based on the same numbers.
He mentioned during the application process that AmeriSave would match any competitive offers/rates. He even sent me that information in an email.
I had been working with a couple other lenders, XXXX and XXXX XXXX XXXX XXXX and I got loan estimates from both of them that were better than AmeriSaves loan estimate. The loan estimate from XXXX XXXX was the best, so I forwarded it to him so he could match the rate and total loan cost.
On XX/XX/XXXX XXXX XXXX sent me a loan estimate with : 5.25 % interest rate with only XXXX points and a total loan cost of {$3900.00} I submitted this loan estimate to XXXX on XX/XX/XXXX.
I want AmeriSave to match the 5.25 % interest rate and the total loan cost of {$3900.00}.
The following is from an article on consumerfinane.gov from XXXX : Today, the Consumer Financial Protection Bureau ( CFPB ) took action against Amerisave Mortgage Corporation, its affiliate, XXXX XXXX XXXX XXXX, and the owner of both companies, XXXX XXXX, for engaging in a deceptive bait-and-switch mortgage-lending scheme that harmed tens of thousands of consumers. The Bureau found that Amerisave lured consumers by advertising misleading interest rates, locked them in with costly up-front fees, failed to honor its advertised rates, and then illegally overcharged them for affiliated third-party services. Amerisave and XXXX will provide {$14.00} XXXX in refunds to harmed consumers and pay a {$4.00} XXXX penalty. XXXX XXXX, as an individual, will pay an additional {$1.00} XXXX penalty.
Amerisave lured consumers in with deceptive advertising, trapped them with costly upfront fees, and then illegally overcharged them for services from an undisclosed affiliate, said CFPB XXXX XXXX XXXX. By the time consumers could have discovered the advertised low rates were too good to be true, they had already committed to pay hundreds of dollars to Amerisave. Todays action puts an end to Amerisaves unacceptable bait-and-switch scheme and holds XXXX XXXX personally responsible for his illegal actions.
Amerisave Mortgage Corporation, an XXXX online mortgage lender, advertises and lends in all 50 states and the District of Columbia . Between XXXX and XXXX, Amerisave advertised its interest rates and terms using online banner ads and searchable rate tables on third-party websites. The Bureau found that Amerisave posted inaccurate rates on these banner ads and rate tables, inducing consumers to pursue a mortgage with Amerisave. When consumers were directed to Amerisaves own website, Amerisave gave consumers quotes based on an XXXX XXXX score, even where consumers had previously entered a XXXX score below XXXX on the third-party website that led them to Amerisave. This resulted in Amerisave offering many consumers misleadingly low quotes.
Amerisave required consumers to order and give payment authorization information for an appraisal before it would provide a XXXX XXXX XXXX ( XXXX ) for the mortgage, and did not tell consumers until later that the appraisal orders were being referred to its own affiliated company. At closing, Amerisave also charged consumers for appraisal validation reports, without disclosing that the service was provided by its affiliate XXXX XXXX XXXX XXXX, and that XXXX had marked up the reports by as much as XXXX percent. Consumers trusted that Amerisave had bargained in good faith for this third-party service, which Amerisave described as being a special deal for Amerisave customers. ( End of quote ) It seems to me that AmeriSave is once again involved in a similar fraudulent activity. This time, instead entering inflated credit scores, they are entering inflated appraisal estimates, in an attempt to lure in customers and then worry about renegotiating the rate and loan cost at a later time.
I appreciate your help on this matter,
|
Company believes the complaint provided an opportunity to answer consumer's questions
|
AMERISAVE MORTGAGE CORPORATION
|
SC
| 29,223 | null |
Consent provided
|
Web
|
04/07/22
|
Closed with monetary relief
|
Yes
| null | 5,419,677 |
04/03/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null |
MY ADDITIONAL PRINICPAL PAYMENT REVERSED AND APPLIED TOWARDS INTEREST???
I ALREADY HAVE AUTO PAY ON AND THE MONTHLY PAYMENT DUE FOR XXXX WAS ALREADY MADE ON THE XXXX OF XXXX OF THE XXXX CALENDAR.
I WILL SUE YOU IF YOU DONT APPLY THE ENTIRETY OF MY ADDITIONAL PRINCIPAL PAYMENT TOWARDS THE PRINCIPAL OF MY LOAN AND IF THIS HAPPENS AGAIN.
THERE IS NO PENALTY FOR ADDITIONAL PRINCIPAL PAYMENTS AS WRITTEN IN MY ORIGINAL LOAN.
THIS IS MY ONE AND ONLY NOTICE BEFORE LEGAL ACTION. YOU HAVE ONE BUSINESS DAY TO RESOLVE THIS MATTER.
OTHERWISE I WILL CHARGE YOU AT AN INTEREST RATE OF 125 % PER DAY ON THE MONEY NOT APPLIED TO MY PRINCIPAL IF IT IS NOT RESOLVED.
I AM ABSOLUTELY ON MY LAST NERVE HERE. RIDICULOUS.
| null |
NATIONSTAR MORTGAGE LLC
|
TX
| 77,493 | null |
Consent provided
|
Web
|
04/03/22
|
Closed with explanation
|
Yes
| null | 5,400,845 |
06/17/22
|
Mortgage
|
Other type of mortgage
|
Trouble during payment process
| null | null | null |
TD BANK US HOLDING COMPANY
|
VA
| 20,151 | null |
Consent not provided
|
Web
|
06/17/22
|
Closed with monetary relief
|
Yes
| null | 5,683,533 |
06/25/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null | null |
NATIONSTAR MORTGAGE LLC
|
HI
| 96,734 | null |
Consent not provided
|
Web
|
06/25/22
|
Closed with explanation
|
Yes
| null | 5,708,204 |
05/27/22
|
Mortgage
|
Other type of mortgage
|
Struggling to pay mortgage
| null |
I am personal representative of dads estate apparently a claim was filed against this Nationstar d/b/a Mr Cooper with my Dad in Michigan circuit court XXXX XXXX XXXX XXXX XX/XX/XXXX. The {$47000.00} mortgage taken out in XXXX XXXX was deemed ab initio property was given back to my dad. But this company has continued to collect mortgage payments to date. I am confused the pay off amount {$47000.00} if paid off by XX/XX/XXXX. It appears this company has continued to defraud my dad and his estate to date. I have asked for itemized statement for all payments made from the beginning of this loan only given information for payments made from XXXX to date.
| null |
NATIONSTAR MORTGAGE LLC
|
MI
| 48,239 |
Older American, Servicemember
|
Consent provided
|
Web
|
06/10/22
|
Closed with explanation
|
Yes
| null | 5,608,751 |
04/27/22
|
Mortgage
|
FHA mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null | null | null |
NATIONSTAR MORTGAGE LLC
|
IL
| 62,906 |
Servicemember
| null |
Phone
|
04/27/22
|
Closed with explanation
|
Yes
| null | 5,505,128 |
04/06/22
|
Mortgage
|
FHA mortgage
|
Incorrect information on your report
| null |
XX/XX/2021 payment history shows XXXX days late however the information reporting is incorrect. I have tried reaching out to the mortgage company " Shellpoint '' to get this corrected however no there has helped resolved this issue.
|
Company believes it acted appropriately as authorized by contract or law
|
Shellpoint Partners, LLC
|
GA
| 30,039 | null |
Consent provided
|
Web
|
04/06/22
|
Closed with explanation
|
Yes
| null | 5,414,779 |
03/13/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Flagstar Bank, N.A.
|
CA
| 90,232 | null | null |
Referral
|
03/14/22
|
Closed with explanation
|
Yes
| null | 5,321,205 |
04/05/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
M&T BANK CORPORATION
|
NJ
| 7,751 | null |
Consent not provided
|
Web
|
04/05/22
|
Closed with explanation
|
Yes
| null | 5,411,342 |
08/19/22
|
Mortgage
|
FHA mortgage
|
Struggling to pay mortgage
| null |
I was impacted by XXXX. I have had a financial hardship related to the quarentine and the next year I was admitted to the hospital in XXXX and discharged in XXXX. At some point I learned that I was eligible for mortgage asistance. I sent a loan modification application XX/XX/2022. When I called to follow up I was told that the loan modification would be cancelled and i would recieve the correct one in the mail. It could take up to 10 days. i never recieved it. At the end of each call I would confirm with the specialist that the mailing of the application would pause the foreclosure proceedings because my home was nearing the sale.
All the application I sent where closed for various reasons, such as missing a document, needed a wet signature, SSA verification, missing application (? ). All of which I returned via email, mail, and or fax. Emails included statements about hardship, my williningness to comply so that i can keep my home.
All of the reps I talked to indicated the process would stop because of my concern that 2 weeks is a long time to wait for the application. Emailed application took 5 days. My access to the online application was blocked as well. I understood that some of the applications were never recieved because they were cancelled or closed days after requesting information from me. I emailed and asked the rep about using updated documents from the other closed applications. They do not respond to emails. At one point I was told my house had not sold when it had. I made life changing decisions based off information coming from the specilist which I took as fact. Afterwards i recieved a denial letter for help as my home had already sold.
My home was nearing confirmation of sale. I filed a motion to stay the confirmation the judge denied it choosing to focus on 'supposed incomplete applications when I thought I was arguing the fact that the lender had misreprented itself and those lies lead to my house being sold and leaving me with very little time to find affordable house on a fixed income. I am right now homeless because the lenders organization of specialist are not properly trained or they are all partipants in the lenders shenanigans. Non the less the plan was to work towards financial freedom all the while the lender giving me bogus information, misplacing documentation, unwillining to assist a borrower who can not get the application tother.
Please do not cancel this compliant I did not recieve help I am filing pro se. All the work here is orginal
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
U.S. BANCORP
|
OH
| 45,426 | null |
Consent provided
|
Web
|
08/19/22
|
Closed with explanation
|
Yes
| null | 5,895,879 |
03/17/22
|
Mortgage
|
VA mortgage
|
Improper use of your report
| null |
Rocket mortgage ran my credit yesterday XX/XX/22 without my permission.
| null |
Rocket Mortgage, LLC
|
CA
| 92,377 |
Servicemember
|
Consent provided
|
Web
|
03/17/22
|
Closed with explanation
|
Yes
| null | 5,336,515 |
03/28/22
|
Mortgage
|
FHA mortgage
|
Incorrect information on your report
| null |
Called mortgage comapny to update payments for XXXX XXXX and XXXX, and only continues to report up until XXXX XXXX.
|
Company believes it acted appropriately as authorized by contract or law
|
Shellpoint Partners, LLC
|
AZ
| 85,742 | null |
Consent provided
|
Web
|
03/28/22
|
Closed with explanation
|
Yes
| null | 5,375,151 |
04/26/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null |
I am reopening complaint number XXXX.
This issues have not been reoslved despite repeated attempts on my end. The instructions from the IT department were insufficient. They did not work and it is not the issue. The issue is that IT did not close out the last prior loan. Please ask them to re-open and resolve the complaint. It should not have been closed in the first place.
| null |
Shellpoint Partners, LLC
|
MA
| 2,136 | null |
Consent provided
|
Web
|
04/26/22
|
Closed with explanation
|
Yes
| null | 5,495,856 |
06/01/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
WELLS FARGO & COMPANY
|
DE
| 19,810 |
Servicemember
|
Consent not provided
|
Web
|
06/01/22
|
Closed with explanation
|
Yes
| null | 5,620,131 |
03/24/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null | null |
BSI Financial Holdings, Inc.
|
CO
| 80,221 | null |
Consent not provided
|
Web
|
03/24/22
|
Closed with explanation
|
Yes
| null | 5,362,248 |
03/18/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null |
Company believes the complaint provided an opportunity to answer consumer's questions
|
Shellpoint Partners, LLC
|
FL
| 33,145 | null |
Consent not provided
|
Web
|
03/18/22
|
Closed with explanation
|
Yes
| null | 5,339,625 |
04/26/22
|
Mortgage
|
Reverse mortgage
|
Closing on a mortgage
| null | null | null |
AMERICAN ADVISORS GROUP
|
TX
| 77,480 |
Older American, Servicemember
| null |
Phone
|
04/26/22
|
Closed with explanation
|
No
| null | 5,498,372 |
05/31/22
|
Mortgage
|
Conventional home mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
WELLS FARGO & COMPANY
|
FL
| 32,746 | null | null |
Referral
|
06/01/22
|
Closed with explanation
|
Yes
| null | 5,621,422 |
06/01/22
|
Mortgage
|
Home equity loan or line of credit (HELOC)
|
Trouble during payment process
| null |
I lost my job due to Covid in late XXXX and I filed for a hardship through BBVA bank it holds my home equity line which Ive had for five years no one ever told me that it would put put a block on my account so a year later after I started working as self-employed PNC Bank took over for Bbva and as I Attempted to withdraw money to make XXXX on my residence I was told that I was blocked I went to the manager of PNC Bank in XXXX Arizona spoke to XXXX from customer relationships at PNC Bank and XXXX from executive customer relations and no one can tell me why the block was from my account they are assuming its because of the hardship but due to a national pandemic I shouldnt be penalized and take my home-equity line away from me when I need it the most I am not upside down in my mortgage if anything Ive quadrupled my value of my residence and only owe XXXX and its appraised for XXXX. PNC bank has told me to reapply for my home equity line of credit and I need 12 months of self-employment I just became self-employed five months ago I just think its so unfair that I was not told that it would block my home equity line of credit when I took a hardship for the national pandemic. Its amazing that banks can put a block on your loan and not even tell you what the reasons were and I thought it being a national pandemic it wouldnt affect anybody. I would appreciate some help please thank you
| null |
PNC Bank N.A.
|
AZ
| 85,018 |
Servicemember
|
Consent provided
|
Web
|
06/01/22
|
Closed with explanation
|
Yes
| null | 5,620,438 |
03/15/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null |
Company believes complaint represents an opportunity for improvement to better serve consumers
|
NATIONSTAR MORTGAGE LLC
|
MI
| 48,306 | null |
Consent not provided
|
Web
|
03/15/22
|
Closed with explanation
|
Yes
| null | 5,324,998 |
03/20/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null |
This is a follow up to another complaint that I lodged with this agency.
After the death of my XXXX, I contacted his insurance carrier and obtained XXXX XXXX XXXX in my name. The agent also upgraded the amount of coverage due to the increase in the property value. I obtained coverage on XX/XX/XXXX. Since that time, I have not had a lapse in coverage. My insurance carrier has sent multiple declaration sheets to Mr. Cooper upon my request. In addition, they faxed a letter dated XXXX from the Corporate Office verifying that I have insurance.
I have never been notified in writing from Mr. Cooper that I needed XXXX insurance. I have never been notified in writing that I needed flood insurance. I have never been provided with a copy of any insurance policies that Mr. Cooper has purchased on my behalf. The first time that I became aware about Flood Insurance was when I called Mr. Cooper in XX/XX/XXXX to see if they had gotten the insurance situation straight. In the last complaint, Mr. Cooper uploaded copies of letters that I have never received. I noticed that most of the letters had supposedly been sent to a dead man 's mailing address, XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX. That box belonged to my XXXX. It is closed at this time and may have been assigned to another customer of the postal service. I have NEVER had nor do I have access to that box. In XXXX of XXXX, I contacted Mr. Cooper by telephone. I spoke to a Mr. Cooper representative who said his name was XXXX XXXX XXXX, XXXX, XXXX. At that time, I reported that my father had expired and that my mother had been deceased for several years. I also provided XXXX XXXX with my personal address, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. Even if you did not have my personal address, you could have mailed that notifications to the street address at the house. Most businesses send certified letters for something this important. Why didn't you?
For the last several months, I have been trying to get the matter regarding the insurance straight. Each time I speak with a representative from your company, they seem to be clueless about what I discussed with the last person. At XXXX point, your representatives were saying that you paid XXXX XXXX for my coverage. I contacted XXXX XXXX 's XXXX XXXX on XXXX different occasions. They said that you had not paid them for any insurance. Then, your representatives began saying that you had purchased insurance from XXXX XXXX.
On XX/XX/XXXX, I spoke to XXXX at Mr. Cooper, He told me that he had located the insurance verification documents. He told me that he would send the documents over to your insurance department so that they could make the correction. He told me that he would reach back out to me when it was resolved. His contact phone number given to me by him was XXXX XXXX XXXX.
On XX/XX/XXXX, I spoke to XXXX from Mr. Cooper. While he was on the phone, I phoned my insurance provider. XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX, XXXX. She verbally verified that I had insurance with not lapse. She asked XXXX to email her the notice that was sent by XXXX XXXX saying my insurance was lapse. XXXX never did. She sent verification of insurance again per XXXX 's request. Your company can reach XXXX XXXX at XXXX XXXX. The mailing address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Your company has forced placed XXXX XXXX and XXXX XXXX to my mortgage note. According to your representative the mortgage has gone from {$880.00} to {$1700.00}. This is outlandish!!
I have insurance. I have had insurance since XXXX XXXX, XXXX. I was not told that I needed XXXX XXXX. That is not right.
Please find proof of XXXX XXXX, letter from XXXX XXXX XXXX, and other pertinent documents.
XXXX is my strength and my power, He maketh my way perfect. XXXX XXXX. XXXX
| null |
NATIONSTAR MORTGAGE LLC
|
LA
| 70,404 |
Older American
|
Consent provided
|
Web
|
03/20/22
|
Closed with explanation
|
Yes
| null | 5,344,298 |
04/28/22
|
Mortgage
|
VA mortgage
|
Struggling to pay mortgage
| null |
I sent in a third party authorization to Planet Home Lending on XX/XX/2022. I received an email this morning from the lender that it was denied since both the borrower 's signatures were not on the authorization. This of course is against the law. Only one signature is required to discuss the loan. The borrowers have agreed to sell the home for a cash price and escrow has been opened today, the lender will be paid in full. We simply need enough time to close escrow and satisfy my client 's debt to the lender.They are willfully delaying my ability to discuss this loan and get an extension on the pending auction date of XX/XX/2022. XXXX XXXX XXXX XXXX XXXX and has difficulty just holding a pen, let alone producing her signature. That is the reason she didn't initially sign the document. This is obviously a cash grab by this company and they're willfully committing multiple violations of bank fraud.
| null |
PLANET HOME LENDING, LLC
|
CA
| 92,126 | null |
Consent provided
|
Web
|
04/28/22
|
Closed with explanation
|
Yes
| null | 5,509,683 |
05/05/22
|
Mortgage
|
Conventional home mortgage
|
Closing on a mortgage
| null | null |
Company believes it acted appropriately as authorized by contract or law
|
Shellpoint Partners, LLC
|
IL
| 60,637 | null | null |
Referral
|
05/05/22
|
Closed with explanation
|
Yes
| null | 5,546,716 |
03/16/22
|
Mortgage
|
Conventional home mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null |
We applied to refinance our home with Wells Fargo. The current loan has been with Wells for XXXX years.
The Application was submitted XX/XX/XXXX.
On XX/XX/XXXX we were notified that we were not approved. No specific details as to why. And no response from Wells.
The Mortgage amount was $ XXXX. Home appraised at $ XXXX. We have $ XXXX in cash accounts and 2 rental homes with $ XXXX equity in them.
Because Wells took so long to respond to us we didn't have the opportunity to pursue a loan with another lender missing out on low interest rates.
We are asking that Wells provide details as to why we were denied, and if we can address the issues, honor their original interest rate.
Thanks, XXXX XXXX
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
WELLS FARGO & COMPANY
|
CA
| 92,130 | null |
Consent provided
|
Web
|
03/16/22
|
Closed with explanation
|
Yes
| null | 5,329,692 |
04/25/22
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null |
Through my lender I was approved for a trial modification and completed it just prior to Covid-19 shutdown. I didn't sign the final modification paperwork because of knowing that due to the pandemic I wouldn't be able to make the payments. My mortgage holder assured me that I wouldn't be at risk of foreclosure due to the federal safeguards put in place for homeowners. I reached out and was approved for a program that would pay my past due and 6 months on future payments. That program reached out to my mortgage servicer but they said I needed to reapply for a new modification in order to have an amount given to bring current. It took over 8 months of back and forth of submitting paper and being told different items were needed to finally receive a new modification. The program had closed without any notification and when contacted they advised me that although I signed the loan documents ( forgivable ) they sent the funds back to the Treasury department. My new modification is requiring a {$20000.00} good faith payment which coincidentally is the amount that I was guaranteed by the program. I reached out to my lender/servicer and let them know that I no longer have that grant and asked if they could decrease the good faith payment and was told No. My lender has blocked any access to my being able to make any online payments. I requested a copy of my most recent statement of which it doesn't reflect any payments I made on the prior trial modification. I have since tried applying for a new program and am awaiting notification of acceptance. Below are the groups/companies/agencies I have worked with.
Mortgage company-SN Servicing corporationXXXX XXXX XXXX XXXX, XXXX CA.
OHSI-Oregon Homeownership Stabilization initiative ( was approved, signed promissory note, funds never distributed ) OHAF-Oregon Homeowner Assistance Fund-submitted application for help .
| null |
SN SERVICING CORPORATION
|
OR
| 97,211 | null |
Consent provided
|
Web
|
04/25/22
|
Closed with explanation
|
Yes
| null | 5,494,305 |
06/15/22
|
Mortgage
|
Home equity loan or line of credit (HELOC)
|
Applying for a mortgage or refinancing an existing mortgage
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
WELLS FARGO & COMPANY
|
FL
| 33,558 | null |
Consent not provided
|
Web
|
06/15/22
|
Closed with explanation
|
Yes
| null | 5,672,531 |
05/27/22
|
Mortgage
|
FHA mortgage
|
Closing on a mortgage
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
MIDFIRST BANK
|
TN
| 37,214 | null | null |
Phone
|
05/27/22
|
Closed with non-monetary relief
|
Yes
| null | 5,615,003 |
07/13/22
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null |
In XXXX I suffered a XXXX XXXX and then in XXXX I had to have a XXXX XXXX XXXX. This unfortunate event caused me to lose my ability to continue working, and being able to keep up with my mortgage payments. The mortgage Company eventually suggested a Loan Modification which would help me to keep my home. i was very happy with this offer, and was told that as long as I continued to live in my home for at least 7 years I did not have to worry. I continued to pay my mortgage and maintained a good relationship with the Company. I was eventually placed on SSI and despite the hardships I maintained my payments. My home now needs some repairs due to water damage and some updating, removals of mold which affects my health, I do not have funds to do the necessary repairs hence the need to refinance my home.
i was approved for the refinancing and requested a Pay Off amount for my property, only to be told that I have to pay them 25 % of the equity in my home if I sold or refinanced my home, and also I must pay XXXX XXXXXXXX for an appraisal requested by their company even though I have already paid {$520.00} for an appraisal for the refinance and forward a copy to them. I am totally lost as now I am unable to proceed with the refinancing as I would have no funds to do the repairs after giving the current mortgage 25 % of my equity. I feel I was taken Advantage off because of being in an extremely vulnerable situation at the time this was done. They refuse to send a pay off Please advice and help me to resolve this situation.
| null |
Ocwen Financial Corporation
|
GA
| 30,087 |
Older American
|
Consent provided
|
Web
|
07/13/22
|
Closed with explanation
|
Yes
| null | 5,766,907 |
08/05/22
|
Mortgage
|
FHA mortgage
|
Trouble during payment process
| null | null | null |
PENNYMAC LOAN SERVICES, LLC.
|
FL
| 34,771 | null |
Consent not provided
|
Web
|
08/05/22
|
Closed with explanation
|
Yes
| null | 5,846,842 |
03/30/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null |
I would like to file a complaint against my mortgage company : Nationstar ( Mr. Cooper ) XXXX. # XXXX, XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XXXX. # XXXX.
My former mortgage company, XXXX XXXX transferred my loan as of XXXX. of XX/XX/XXXX to Mr. Cooper. My last payment of {$840.00} ( principal {$350.00} & interest of {$490.00} ) was made on XX/XX/XXXX to XXXX XXXX. On XX/XX/XXXX I made my first payment of same amount to Mr. Cooper for the month of XX/XX/XXXX. My next payment for the same amount was made on XX/XX/XXXX for the month of XX/XX/XXXX. All of these transaction was made through my XXXX XXXX XXXX, I have the monthly bank statements.
At the end of XXXX we decided to payoff the mortgage, a wire transfer was made on XX/XX/XXXX to Mr. Cooper for the amount of {$190000.00}. I noticed that they have added a full month of interest to the payoff amount. I questioned this added interest and I was told that their accounting people will sort through and I will be reimbursed.
The only reimbursed amount I received is {$110.00}, I think they owe me the balance of {$370.00}. I have paid fully ( P & I ) for the months of XXXX and XX/XX/XXXX.
I have contacted Mr. Cooper 's office with no result.
I greatly appreciate your help in this matter.
The Loan # is XXXX My address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX My Tel. # XXXX My email : XXXX XXXX
| null |
NATIONSTAR MORTGAGE LLC
|
NC
| 28,226 |
Older American
|
Consent provided
|
Web
|
03/30/22
|
Closed with explanation
|
Yes
| null | 5,386,772 |
07/01/22
|
Mortgage
|
FHA mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null |
On XX/XX/2022 I had a conference call with my Mortgage XXXX XXXX XXXX and my Current Mortgage Processor Loancare LLC.
During the call, XXXX from XXXX requested the complete Paperwork regarding my Mortgage Forbearance and the Deferrals for the Forbearance. We requested the COMPLETE paperwork including any extensions and ALL Deferral paperwork and the Loancare employee promised to deliver the paperwork by email within 2 days.
This is a very time sensitive manner and XXXX has STILL not received the requested paperwork.
This failure to provide the requested paperwork in the promised time can have severe negative financial consequences for me and cost me thousands of dollars.
We need these documents immediately, please email them asap to the email address we provided. XXXX.
Refusal to do so will result in further legal steps taken by me immediately and without further notice.
I expect the paperwork by no later than XX/XX/2022.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
LoanCare, LLC
|
AZ
| 85,643 | null |
Consent provided
|
Web
|
07/01/22
|
Closed with explanation
|
Yes
| null | 5,726,258 |
03/28/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null |
During the pandemic I had fallen behind on my space rent with XXXX XXXX XXXX XXXX XXXX XXXX. I was current on my mortgage with 21st Mortgage Co. Around XXXX of XXXX when trying to communicate with my park managers regarding payment, I learned that 21st had paid my past due rent on my behalf per a security agreement I made with XXXX although at the time I had a pending application with XXXX XXXX XXXX for rental assistance. Despite my efforts to speed up the process of my application and efforts in communicating this with 21st and XXXX, 21st had then refused to wait on the processing of my XXXX XXXX XXXX application and continued to pay on my behalf. 21st then refused to allow me to pay on my mortgage loan unless I paid in full payment what they paid to XXXX on my behalf. Their action then caused me to fall in Default with my mortgage. Due to the action of both 21st and XXXX, XXXXXXXX XXXX XXXXXXXX did not pay the full amount I requested. Because 21st paid my past due rent, XXXX refused to say that I owe any past due rent which is why XXXX XXXX XXXX did not pay. I still owe {XXXX} of past due rent. Also because 21st refused to take my mortgage payments I now owe an additional {XXXX}. Totaling {XXXX}. On or around XX/XX/XXXX, my home was to be sold at private sale. I was told by 21st that I could reinstate my home by paying {XXXX}. I made a payment of {XXXX} via XXXX XXXX around XX/XX/XXXX, the payment was accepted but later returned. I refused to take the payment back so 21st again accepted the payment and again returned it. I still refused to cash the check they sent to me so they finally accepted the payment. 21st sold my home at private sale to themselves, leaving me with nothing to survive on. They are now trying to evict me from my home that Ive owned for over 20yrs. My home that I raised my XXXX XXXX daughter in, my home that I am raising my XXXXXXXX XXXX daughter in, my home that I put over 20yrs of hard earned work for. If I lose my home not only will I have lost hundreds of thousands of hard earned money but both my XXXXXXXX XXXX daughter & I will be XXXXXXXX.
| null |
21ST MORTGAGE CORP.
|
CA
| 95,111 | null |
Consent provided
|
Web
|
03/28/22
|
Closed with explanation
|
Yes
| null | 5,375,673 |
04/01/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null |
On XX/XX/2022 we tried to make our mortgage payment online and over the phone an was unsuccessful... ( PHH blocked there customers ) why because PHH website stated payments unavailable and over the phone it stated no payments can be excepted at this time. This is the only business I know that blocks customers from making payments. Any other company we do business with you can call any day an any time and NEVER have an issue. Though my payment was not late what if this was the last day before it would have been late. This is the tactics of this business and this is a pattern because this is not the first time I have had this issue. There needs to something done with companies like this who are deceitful and have no integrity. I am sure that everyone who has this mortgage company feels the same way. If it's not one thing it's another. There phone system when you call you can't hear options because its pauses in the message and it goes out and in. And on the website everytime it's time for payment the website has issues and problems. What is the use to speak with the company there going to act as if they didn't no or say we are sorry and will do it again. It's a pattern.
| null |
Ocwen Financial Corporation
|
MD
| 20,706 | null |
Consent provided
|
Web
|
04/01/22
|
Closed with explanation
|
Yes
| null | 5,397,035 |
03/22/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null |
To whom it may concern, We bought a townhouse in XX/XX/XXXX with a mortgage from XXXX. After closing, XXXX transferred us to Mr. Cooper ( Nationstar Mortgage ).
The issue here is that Mr. Cooper suddenly increased our monthly payment by {$300.00} in XX/XX/XXXX saying we have a shortage in our Escrow account, and we found that {$1500.00} has been charged in XX/XX/XXXX for home insurance from a different company than our existing home insurance company, XXXX. However, based on our final closing loan statement, we bought home insurance from XXXX and prepaid 15 months premium ( 12 months premium at closing, and 3 months premium to our Escrow account ). Representatives of Mr. Cooper said because they didn't get our home insurance information from XXXX, XXXX, and/or us when we were transferred to Mr. Cooper, they arbitrarily put home insurance on behalf of us without our permission ( or even notice ) to our Escrow account, which cost tripled than our existing XXXX policy. We haven't received any notice/request/question from Mr. Cooper about our home insurance.
Having troubled waiting and being ignored by the representatives of Mr. Cooper, we finally made it to have long and inefficient discussions with them, and they said they will try to cancel the redundant home insurance policy and refund the premium.
First of all, we truly regret that XXXX transferred us to a " reputable '' mortgage company like Mr. Cooper, doing this absurd thing. We've been trying to reach them for two weeks with more than 8 calls and 3 emails. 5 out of 8 calls were not received after a 30-min wait each and 2 out of 8 calls were just suddenly hung up by the representative of Mr. Cooper in a very uncourteous way.
Second of all, how could this happen earthly? Did XXXX drop our home insurance information when they transferred us to Mr. Cooper? Is this possible for financial institutions like XXXX and Mr. Cooper?
Lastly, after all these troubles, Mr. Cooper is still saying we have to check again next week to see whether the fix has been made correctly. Still, nothing has been changed in our account on their website. Also, nobody says sorry to us so far.
| null |
NATIONSTAR MORTGAGE LLC
|
MO
| 63,141 | null |
Consent provided
|
Web
|
03/22/22
|
Closed with explanation
|
Yes
| null | 5,349,815 |
03/19/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null |
ServiceMac LLC has not paid any property taxes from my escrow upon an earlier transfer of my mortgage from XXXX ( who also failed to pay my city taxes ). The mortgager has however steadily increased my payments to address overages in the escrow account relevant to the property taxes. They are withholding the taxes from the mortgage payments as indicated in the escrow analysis and billing HOWEVER all of the information pertinent to property taxes is not consistent with the XXXX of XXXX 's tax assessors/collections office. The taxes are assigned and paid based on the parcel # XXXX, yet XXXX has come up with some absurd excuse stating that the taxes were misapplied by the City to a different property based on the name of that mortgagee. Again taxes are assessed and identified by parcel #, that said this Servicer and the one before it that they transferred the mortgage from are providing disingenuous accounting information on the billing and the projected escrow analysis as they are not even paying any of the taxes. I have asked for proof of remittance to the city however have not received it. I have however received notices of delinquencies from the city and a tax lien notification due to none disbursement of the amounts withheld in escrow. Now ServiceMac has the gall to tell me that my mortgage is being raised yet again for property taxes-that they arent even pay! Its as if I have an adjustable rate as the mortgage is steadily increasing without any confirmation that they servicer is distributing the funds as contractually agreed upon. I have also told them that they need to cross-check whatever they are quoting to me with the prior Servicer as they too have falsely reported remittance to the City of XXXX. Im reporting so that a regulator can track and check this servicer for fraud. I cant tell whether its incompetence or intentional but this servicer is miscommunicating and not following servicing rules.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
SERVICEMAC, LLC
|
MA
| 2,121 | null |
Consent provided
|
Web
|
03/19/22
|
Closed with explanation
|
Yes
| null | 5,342,493 |
03/14/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null |
My name is XXXX XXXX, I have a mortgage with Carrington Mortgage, Loan No XXXX.
The Carrington Mortgage website has been down for at least 3 months, so I am unable to access my online account.
In addition, I have tried calling twice, and each time they hang up on me as there is no customer service representative available.
I need to contact the mortgage provider in order to obtain my tax form so I can file my taxes. I had similar problems last year.
| null |
CARRINGTON MORTGAGE SERVICES, LLC
| null | null | null |
Consent provided
|
Web
|
03/14/22
|
Closed with explanation
|
Yes
| null | 5,320,135 |
03/18/22
|
Mortgage
|
FHA mortgage
|
Trouble during payment process
| null | null | null |
Data Mortgage Inc.
|
IL
| 60,440 | null |
Consent not provided
|
Web
|
03/18/22
|
Closed with explanation
|
Yes
| null | 5,336,989 |
03/21/22
|
Mortgage
|
Conventional home mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null | null | null |
KEYCORP
|
NH
| 3,580 | null | null |
Referral
|
03/22/22
|
Closed with explanation
|
Yes
| null | 5,352,670 |
03/26/22
|
Mortgage
|
Other type of mortgage
|
Closing on a mortgage
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Mortgage Research Center, LLC
|
GA
| 30,296 |
Older American, Servicemember
|
Consent not provided
|
Web
|
03/26/22
|
Closed with explanation
|
Yes
| null | 5,370,958 |
03/22/22
|
Mortgage
|
Home equity loan or line of credit (HELOC)
|
Trouble during payment process
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Specialized Loan Servicing Holdings LLC
|
CA
| 92,882 | null | null |
Phone
|
03/23/22
|
Closed with explanation
|
Yes
| null | 5,358,801 |
03/21/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRUIST FINANCIAL CORPORATION
|
GA
| 31,548 | null | null |
Referral
|
03/23/22
|
Closed with explanation
|
Yes
| null | 5,357,364 |
03/23/22
|
Mortgage
|
Conventional home mortgage
|
Closing on a mortgage
| null |
Started the refinancing process with Ally bank on or around XXXX XXXX. I was approved, and a rate of 3.3 % was locked. The appraisal was waived ( see attached ). All pertinent information was provided, reviewed, and completed by Ally 's staff, and closing was scheduled for XX/XX/XXXX. However, I encountered a problem with the closing rep, and I requested another rep to finish the process. I have a lien of {$20000.00} that was supposed to be added to the loan, ( " The Subordinate Deed of Trust is being added to your loan to be paid off at closing. Once fully added a new loan estimate will be sent to you for review '' from XXXX XXXX on XX/XX/XXXX ), but the reps failed to complete this process prior to closing. As such, I was told by the closing agent, XXXX XXXX, that the team was going to correct the issue, and closing needed to be rescheduled for another date.
I received an email from XXXX XXXX on XX/XX/XXXX stating my rate went from 3.3 % to 3.5 %. On XX/XX/XXXX, the rate went from 3.5 % to 3.625 %. I disputed the rate hikes because I was a day from closing with a rate of 3.3 %. XXXX stated he would seek a " concession '' because of the mistakes on Ally 's part. XXXX days later, he informed me that the concession was only {$250.00}, which would not change my rate. I told him that was just unfair, and he states he would escalate the issue to another team.
Today, XX/XX/XXXX, I received an email from XXXX XXXX stating '' Your appraisal has been ordered. '' Bear in mind that this process was waived early in the process, and we were in closing. Moreover, I was not aware of the appraisal and I did not approve it. I also received an email from Collateral Inspections requesting that I choose a date for next week.
It appears Ally is doing everything to get out of this deal now that interest rates have gone up. They are using the appraisal against me because I informed XXXX XXXX that my daughter and my husband are unable to be exposed to anyone during the pandemic due to underlying health conditions. This is unfair, unethical, misleading. A
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
ALLY FINANCIAL INC.
|
GA
| 30,039 | null |
Consent provided
|
Web
|
03/23/22
|
Closed with explanation
|
Yes
| null | 5,356,228 |
03/29/22
|
Mortgage
|
FHA mortgage
|
Trouble during payment process
| null | null | null |
LD Holdings Group, LLC
|
MN
| 55,448 | null |
Consent not provided
|
Web
|
03/29/22
|
Closed with explanation
|
Yes
| null | 5,383,287 |
05/03/22
|
Mortgage
|
Conventional home mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null |
Good evening, I appreciate any assistance that the CFPB can please provide me with my mortgage lender. My issue is not with being able to make payments, rather, it is with Rocket Mortgage ( aka quicken loans ), unwillingness to communicate or produce documentation that clearly states changes to my account. In addition, they have refused to allow me to make applicable changes to my mortgage as I deem necessary.
I closed on my condo in XX/XX/XXXX and throughout the entire process, rocket mortgage actively misrepresented my mortgage terms and deceived me about the activity on my account. As a result of their predatory business practices, deception, and misrepresentation, they had failed to pay my XXXX policy as previously agreed and stated that it was a " filing error { sic }. '' I have since removed this responsibility from them as it was optional. The application process presented an option to allow Rocket to submit this payment on my behalf. As a result, the original terms of my mortgage were falsified to account for bad data ( included XXXX payments that Rocket deliberately and intentionally failed to pay.
When I inquired to rocket in XX/XX/XXXX, they finally admitted the " filing error '' and could not provide any reassurance that such errors would be presented in the future. Instead, I have received more deception.
Within the past 90 days ( it is now XX/XX/XXXX ), I have still received no such credible acknowledgement or response to my inquiries.
I had spoken with XXXX XXXX, XXXX XXXX, and two other " XXXX '' who refused to provide their last names. Neither employee would provide any other identifiable employee number to be used for external verification.
These individuals have straight out deceived me to my face claiming to be managers, however, their titles are " Executive Servicing Resolution Specialist, '' which, after research, I have verified are 'customer support roles. ' When I was on the phone with deceptive manager XXXX XXXX XXXX ), they spoke down to me in a demeaning, harassive, and aggressively bullying manner.
This issue has escalated to the point where I can no longer have a civil conversation with my mortgage lender and I can no longer even attempt to communicate with them.
I required immediate assistance to speak with a professional member of management.
At this point, I feel very physically threatened by the aforementioned individuals. I feel that my very life and livelihood is in imminent danger. I have been victimized by my mortgage lender for 9 months and this is completely unacceptable to me. This is harassment.
Please reach out to me if you need any more information.
I really appreciate any help that you can provide.
Best Regards, XXXX XXXX
| null |
Rocket Mortgage, LLC
|
CT
| 6,770 | null |
Consent provided
|
Web
|
05/03/22
|
Closed with explanation
|
Yes
| null | 5,535,350 |
03/29/22
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null |
My case related and involved a big financial fraud criminals as follows. A group of financial criminals including the bank internal moles, house value appraisals, ID thefts, Public Notary officers, loan officers, title company etc.This is a complete fraudulent loan chain. The Bank of the West assigned their own case investigator of XXXX XXXX XXXX toke care of this case, and he had spent more than two years for investigion. The last email I received from him said the case had been passed to the US Secret Services and would be solved soon, but he was facing hight pressure from the bank management and then suddenly disappeared.
I tried to report the case to as many as possible autherities as FBI, local policy department, State General Attorney, CFPB etc. But every time the Bank of the West use the same reasons of two to stop the investigation and closed the case : 1 ) Duplicated case 2 ) An agreement was signed Two weeks ago I got a copy of the so called agreement. I found this agreement was totally forged. I will express why as follows : 1 ) I owed the original loan to the XXXX XXXX XXXX, amounting of XXXX. But the agreement asked me to pay the Bank of the West and their partner XXXX XXXX XXXX.
How can they made a victim of crime to pay double to the criminals?
2 ) During the agreement signing time, I was out of country, so I had no chance to sign any agreement. I can provide my evidence of my out of country.
3 ) When signing any agreement, I will add the date of signature on it, but this agreement the date is empty.
4 ) I did not know and had not met those persons who signed the agreement.
Brief summary as follow : This case revolved in a big financial criminals. The original case investigator of XXXX XXXX who had spend two years for the investigation, he should be show up and tell us what is happening?
I want to have a meeting face to face to speak with the Bank, XXXX V and other loan providers such as XXXX, XXXX, XXXX etc.
XXXX XXXX owner of the house at XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX MY cell is XXXX XXXX XXXX My e-mail is XXXX XXXX
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
BANK OF THE WEST
|
CA
| 91,710 |
Older American
|
Consent provided
|
Web
|
03/29/22
|
Closed with explanation
|
Yes
| null | 5,381,941 |
03/22/22
|
Mortgage
|
FHA mortgage
|
Trouble during payment process
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
BANK OF AMERICA, NATIONAL ASSOCIATION
|
NJ
| 8,755 | null | null |
Phone
|
03/22/22
|
Closed with explanation
|
Yes
| null | 5,353,799 |
03/24/22
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null |
I am filing this complaint against Personal Finance Center that they have indicated in their response that they have given me a 5 month deferment, which is not true, I was never called and informed about the deferment, i did not signed any deferment documents and they have not provided me with any proof of the document, I replied back on the feed back, I did not get any response from them on the feedback, the only response I received was the notice of foreclosure sale, they have not made any attempts to contact or offer to assist me with options in regards to mortgage payment, I was the one who approached them asking for assistance, I explained to them that I am a retiree and my salary is not the same as when I was an active employee and what can they do to assist me, their response is that they can not help me and that i just have to pay the amount or they will foreclose on the house. It seems that Personal Finance Center do not want to help their customers who are struggling to pay their mortgages, they simply just want to foreclose and take your house away, that is why i am filing this complaint. I disagree that i was given a 5 month. deferment, they do not want to assist me in any way, their response was a " notice of sale ''. I am requesting that the CFPB look into the practice of Personal Finance Center on how they handle situation like this.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Personal Finance Center
|
GU
| 96,932 |
Older American
|
Consent provided
|
Web
|
03/24/22
|
Closed with explanation
|
Yes
| null | 5,363,609 |
03/18/22
|
Mortgage
|
Conventional home mortgage
|
Closing on a mortgage
| null |
I began the lending process in XXXX at which time a rate was locked in. After FOUR MONTHS of DELAYS, including the wrong loan type being identified, the contractor submitted incorrect quotes multiple times and several delays from the underwriter, I was suddenly notified that the rate will increase.
This is unethical and predatory, based on the delays being caused by the financial institution, to pass this cost on to the consumer.
| null |
Caliber Home Loans, Inc.
|
CA
| 90,302 | null |
Consent provided
|
Web
|
03/18/22
|
Closed with explanation
|
Yes
| null | 5,339,166 |
03/16/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Freedom Mortgage Company
|
VA
| 24,084 | null | null |
Phone
|
03/16/22
|
Closed with explanation
|
Yes
| null | 5,328,372 |
03/16/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null |
In the recent days ( past 3 months ) I have made multiple additional principal payments to my mortgage account. However the loan service company is reflecting these payments as regular payments and directing the funds towards escrow, interest and principal. I had to make several customer service calls to fix this issue. On last encounter with same issue the company has assured me such incidents will not repeat. However my recent additional principal payment was again reflected in the same way. This is a serious issue mismanaging my funds.
| null |
NATIONSTAR MORTGAGE LLC
|
NJ
| 8,844 | null |
Consent provided
|
Web
|
03/16/22
|
Closed with explanation
|
Yes
| null | 5,331,800 |
03/17/22
|
Mortgage
|
Conventional home mortgage
|
Improper use of your report
| null |
I called Mr. Cooper on XX/XX/XXXX to inquire about a recent increase in my mortgage payment. I was informed that it was driven by a recent increase in property taxes. The representative then informed me that he could do a complimentary " health check '' of my mortgage, and asked for my consent which I obliged. After a brief hold, the representative informed me that he checked, but based on current market rates refinancing would not be beneficial for me. It was at that point I realized he ran my credit for refinancing options. At no point prior to this did he mention refinancing at all. Had he done so, I would have declined. I called back on XX/XX/XXXX and requested to speak to a manager to voice my concerns over how the matter on XX/XX/XXXX was conducted. In speaking with the representative, she continued to stall transferring me to a manager. We discussed my previous call and indicated that despite the previous representative 's advice, she believed refinancing would be beneficial. She indicated that refinancing would be my only option to remove PMI from my payment. I questioned whether the increase in interest that I would incur over the course of the loan as a result of refinancing would make sense and she assured me it would and that I would be responsible for paying PMI for the duration of the loan otherwise. Based on the Homeowners Protections Act of 1998, I know this to not be true. The representative also mentioned the amount of equity I now have in my home, and after doing some research of my own, it appears I in fact would be a candidate for PMI removal based on the current value of my home and loan. That said, the representative put me on hold for over 20 minutes while she researched further. I ended up hanging up at that point because I had zero confidence that she would finish assisting me. That call lasted for XXXX minutes without any resolve to my original intent for calling. It appears to me that the representatives at Mr. Cooper are influencing consumers into refinancing based on false and inaccurate information. They indicate to be " licensed mortgage professionals '' but lack full transparency when speaking to consumers as well as comprehensive knowledge of mortgage guidelines. If my credit is being ran for a loan application that should have been clearly communicated upfront, versus using vague terminology.
| null |
NATIONSTAR MORTGAGE LLC
|
NC
| 28,278 | null |
Consent provided
|
Web
|
03/17/22
|
Closed with explanation
|
Yes
| null | 5,334,870 |
03/19/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null |
My account was assessed lender imposed homeowners ' insurance of {$2600.00} via escrow ( attachment 01 ) in XXXX due to a supposed lapse of coverage. I contacted customer service and was informed I needed to provide a declaration page for the period where the coverage was alleged to have lapsed. I provided information showing that while I did switch insurance providers, there was no lapse of coverage ( attachments 02 and 03 ).
In XXXX I examined my statement and determined no action had been taken and contacted customer service. After speaking with the insurance group, it was indicated my new policy went into effect on XX/XX/2020 and there was an apparent lapse in coverage of approximately 26 days. My previous insurer provided the insurance agent a declaration page showing coverage during the dates in question, and the agent indicated that information was being sent to the escrow department for correction ( attachment 04l ).
In reviewing my most recent statements, no adjustments have been made to my account ( see attachment 05 ). I contacted customer service again and was informed there was no record of escrow having received the information.
| null |
AXOS FINANCIAL, INC.
|
TX
| 77,479 | null |
Consent provided
|
Web
|
03/19/22
|
Closed with explanation
|
Yes
| null | 5,341,020 |
03/19/22
|
Mortgage
|
Conventional home mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null |
I am trying to get my house refinanced through XXXX XXXX and our current loan company does not have my loan modification that was done with caliber loans in 2012. I have tried to contact both current and prior loan companies to get this loan modification and I am unable to contact caliber loans and XXXXXXXX XXXX says they do not have it. XXXX XXXX says it it illegal for a company to have the loan without this information
| null |
Caliber Home Loans, Inc.
|
MO
| 63,010 | null |
Consent provided
|
Web
|
03/19/22
|
Closed with explanation
|
Yes
| null | 5,342,707 |
03/13/22
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null |
I am requesting this matter be resolved by XXXX XXXX at AmeriHome as she was previously working on my previous complaint. This complaint is directly related to my previous complaint, involving AmeriHome Mortgage case number : XXXX.
I have and continue to pay my AmeriHome Mortgage loan on time, under the loan modification trial terms as agreed, yet AmeriHome has now erroneously reported that I have missed payments with regards to my loan and has reported these errors on my credit profile.
This is hugely disappointing given that I previously thought this matter was resolved by XXXX XXXX at AmeriHome Mortgage, but now these issues are continuing in violation of the law under the CARES Act and COVID-19 Forbearance that is in place to protect consumers from this very thing from happening.
I am requesting this matter be resolved immediately, and the erroneous late payments be immediately removed from my credit profile as they are not accurate and invalid. This matter is now putting in jeopardy my application for a HELOC that I recently applied for and must be dealt with immediately.
| null |
AmeriHome Mortgage Company, LLC
|
CA
| 92,673 | null |
Consent provided
|
Web
|
03/13/22
|
Closed with explanation
|
Yes
| null | 5,311,250 |
03/12/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null |
XXXX XX/XX/2022, {$870.00} added {$25.00} making it XXXX.
wanted to inquire about payoff amount, was told it would be a {$25.00} fee, declined. However the rep submitted it. I now have a {$25.00} fee attached to my payment. I have not paid yet.
When I saw this I called in and was told a manager would contact me I had no such call.
XXXX XX/XX/2022, I called in again, rep said that it should not have happened. Supervisor was to join us, but then was told I would be contacted in 24 to 48 hours.
Still no contact from Nation Start, dba Mr. Cooper.
| null |
NATIONSTAR MORTGAGE LLC
|
DE
| 19,711 |
Older American
|
Consent provided
|
Web
|
03/14/22
|
Closed with explanation
|
Yes
| null | 5,310,912 |
03/22/22
|
Mortgage
|
Conventional home mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null |
I applied to refinance my loan # XXXX Wells Fargo bank last XXXX. The loan agent was XXXX XXXX XXXX. I have a 30 year mortgage and wanted to refinance to a 15 year mortgage. My credit rating was and is XXXX. I pride myself on maintaining an excellent credit rating. My present mortgage payments are taken out of my checking account bi-weekly. I have also made additional payments on my loan proving to have the finance to pay my loan. My yearly income is approximately XXXX.
They gave me a hard time. They wanted information on my annuities, information I didn't think was of their concern. I refused to violation my financial security in an unprotected environment. During COVId many people are working from home. There is no real protection from fraud. They had enough information available to them to approve the loan. I want this matter investigated. I do believe their treatment of me was biased. I let those who contacted me know how I felt regarding the way i was treated. I felt that is I was white, I would had been treated differently I will never do business with them again.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
WELLS FARGO & COMPANY
|
NY
| 11,427 |
Older American
|
Consent provided
|
Web
|
03/22/22
|
Closed with explanation
|
Yes
| null | 5,353,342 |
04/27/22
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
U.S. BANCORP
|
NC
| 27,834 | null |
Consent not provided
|
Web
|
04/27/22
|
Closed with explanation
|
Yes
| null | 5,504,935 |
03/16/22
|
Mortgage
|
Conventional home mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null | null | null |
Intelliloan, Inc
|
AZ
| 85,262 | null |
Consent not provided
|
Web
|
03/16/22
|
Closed with explanation
|
Yes
| null | 5,330,177 |
06/03/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
LoanCare, LLC
|
NJ
| 8,701 | null |
Consent not provided
|
Web
|
06/03/22
|
Closed with explanation
|
Yes
| null | 5,632,245 |
04/06/22
|
Mortgage
|
FHA mortgage
|
Trouble during payment process
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
MIDFIRST BANK
|
FL
| 33,054 | null | null |
Phone
|
04/06/22
|
Closed with monetary relief
|
Yes
| null | 5,415,628 |
03/25/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
WELLS FARGO & COMPANY
|
CA
| 91,604 | null | null |
Phone
|
03/25/22
|
Closed with explanation
|
Yes
| null | 5,368,113 |
08/26/22
|
Mortgage
|
Conventional home mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRUIST FINANCIAL CORPORATION
|
PA
| 15,701 | null | null |
Phone
|
08/26/22
|
Closed with explanation
|
Yes
| null | 5,920,116 |
07/28/22
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null | null | null |
GATEWAY FIRST BANK
|
SC
| 29,577 |
Servicemember
|
Consent not provided
|
Web
|
07/28/22
|
Closed with explanation
|
Yes
| null | 5,820,478 |
03/22/22
|
Mortgage
|
Conventional home mortgage
|
Applying for a mortgage or refinancing an existing mortgage
| null | null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
WELLS FARGO & COMPANY
|
NY
| 11,430 |
Older American
| null |
Phone
|
03/22/22
|
Closed with explanation
|
Yes
| null | 5,351,298 |
08/16/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null |
My mortgage servicer- Rushmore Loan Management Services sent me a letter advising me that the load was being sold to XXXX XXXX XXXX XX/XX/2022. The letter gave a number to reach XXXX of XXXX but this number is wrong. I looked up XXXX and found that the number should have been XXXX. When I called XXXX they have no record of my loan using my loan number, ss number and street address. I then called Rushmore and they stated they gave the wrong number on the letter and that they will not accept any more payments on my mortgage as of XX/XX/2022. This will leave my mortgage in limbo since XXXX does not show any loan for me with them and my auto debit to Rushmore will not be accepted. How is this day of electronic business is this allowed to happen?
| null |
RUSHMORE LOAN MANAGEMENT SERVICES LLC
|
DE
| 19,966 | null |
Consent provided
|
Web
|
08/16/22
|
Closed with explanation
|
Yes
| null | 5,884,892 |
06/22/22
|
Mortgage
|
Reverse mortgage
|
Struggling to pay mortgage
| null |
I received a certified letter stating that my reverse mortgage was in foreclosure through PHH Mortgage. They stated that my signature did not match my original loan documents and they took foreclosure measures without any contact with me. I have been sick, but in order to save my house I had to go and get my signature notarized and send it back to them certified mail. I spoke with them 7 days later and they stated they did not receive it. I was able to pull up the tracking number for them and it had been received on XX/XX/2022. They stated they would open an " investigation ''. In the meantime, the threat of foreclosure is very real. I have made at least 10 attempts to contact them and have gotten no suitable answers as to why they are proceeding with this. All of my payments and requirements are up to date.
| null |
Ocwen Financial Corporation
|
CA
| 95,838 |
Older American
|
Consent provided
|
Web
|
06/22/22
|
Closed with explanation
|
Yes
| null | 5,697,232 |
06/06/22
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null |
Hurricane Ida XX/XX/XXXX property damage reported to insurance, adjuster came out & never heard anything back. Called Carrington mtg to ask about claim. They rec 'd money from insurance & put it in escrow. I need funds to make repairs. Send out ck in XXXX, but I never rec 'd. XX/XX/XXXX I called mtg never rec 'd ck, they stop pmt on ck & issued new ck. I rec 'd ck & deposited. It bounced because it was 1st ck which had stop pmt I thought it was a new ck. XX/XX/XXXX called back asked for another ck since ck bounced.They were to express check to a physical address, never rec 'd. XX/XX/XXXX rec 'd the 2nd ck at XXXX XXXX XXXX I called mtg co & asked if it was still good, gave the ck #, it was good, I deposited it in XXXX which is bank written on & XXXX said it was no good. XX/XX/XXXX called back told me they stop pmt on XX/XX/XXXX, which is the day they said it was good, waiting funds to go back into escrow ( 15 business days ) then will reissue ck with 3 day label. Phone call from XX/XX/XXXX didn't do anything!
| null |
CARRINGTON MORTGAGE SERVICES, LLC
|
LA
| 70,176 | null |
Consent provided
|
Web
|
06/06/22
|
Closed with explanation
|
Yes
| null | 5,639,508 |
08/16/22
|
Mortgage
|
FHA mortgage
|
Incorrect information on your report
| null | null |
Company believes the complaint provided an opportunity to answer consumer's questions
|
Shellpoint Partners, LLC
|
GA
| 30,068 | null |
Consent not provided
|
Web
|
08/30/22
|
Closed with explanation
|
Yes
| null | 5,886,038 |
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