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04/27/22 | Mortgage | FHA mortgage | Trouble during payment process | null | on approximately XX/XX/2021 a new company took over our mortgage.
we made a single payment through our bank, the same way we have done for years.
my XXXX XXXX/ Mr Cooper is the new company, we filed a complaint that they took out XXXX payments instead of 1. it took them nearly 1 entire month to refund us back XXXX dollars, a month later they charged us a refunding fee, {$15.00}. we complained several times but they just blow us off and never do anything. we would like our {$15.00} credited to our mortgage and any late fees associated buy the companies mistake, we would also like them to refund us for our insufficient funds fee of {$50.00}. this error was done by the company and not buy us. | Company believes the complaint provided an opportunity to answer consumer's questions | NATIONSTAR MORTGAGE LLC | AZ | 85,730 | null | Consent provided | Web | 04/27/22 | Closed with explanation | Yes | null | 5,504,115 |
03/21/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Fay Servicing, LLC | FL | 32,776 | null | Consent not provided | Web | 03/21/22 | Closed with explanation | Yes | null | 5,349,148 |
06/21/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I started my mortgage in XX/XX/XXXX. I was transferred to NewRez in XX/XX/XXXX. Because of my high amount of equity on my mortgage and perfect payment history on a conventional loan I should be eligible for the removal of an overpriced scam like escrow account. My loan balance is XXXX, and the home is valued between XXXX and XXXX. My income and bank account balance are high, I also have over XXXX in available credit. I meet all criteria including 24 months of successful payment history, yet have been ignored and denied removal of escrow acct over 5 times. My next step will be contacting an attorney and suing the the servicer and loan owner for red lining type of behavior and Predatory lending practices. I need an immediate resolve. My principal is XXXX yet my mortgage is almost XXXX. This is to make things harder, to try to create a negative account in which they can profit off of. | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | TX | 77,327 | null | Consent provided | Web | 06/21/22 | Closed with explanation | Yes | null | 5,693,656 |
06/07/22 | Mortgage | Conventional home mortgage | Improper use of your report | null | null | null | Selene Holdings LLC | CA | 90,039 | Older American | null | Phone | 06/07/22 | Closed with explanation | Yes | null | 5,642,949 |
03/22/22 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | PNC Bank N.A. | FL | 32,955 | null | null | Referral | 03/23/22 | Closed with explanation | Yes | null | 5,359,962 |
03/12/22 | 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 | WI | 53,076 | null | null | Referral | 03/14/22 | Closed with explanation | Yes | null | 5,322,974 |
05/02/22 | Mortgage | Other type of mortgage | Trouble during payment process | null | I spoke with a supervisor and many of people in XXXX about the payment ahead that was lost everybody can see it on the screen and XXXX of XXXX but nobody can apply it but a supervisor. The supervisor said she put it towards my escrow that was a complete lie because it never was there in XXXX XXXX XXXX and so forth. So let 's just State for the record XXXX and XXXX in XXXX was who I went XXXX for {$44000.00} loan. They sold me to XXXX 's XXXX specialized Loan Servicing LLC in XXXX in XXXX I paid my first payment to them in XXXX I've been a payment ahead since XXXX before they even thought of buying my own or as XXXX and XXXX say they transferred me but it means sold but I guess I don't know what a dictionary is because it means two things sold and transferred. Now since I've been with them this is been a horrid XXXX nightmare I can tell you that much. I went through my general attorney got nowhere I have submitted a large package to the Consumer Financial Protection Bureau and gotten where I am right here today every bit of evidence was in there my check statements their statements taxes everything I canceled one check because I sent it to Texas it was for the escrow repeat for the escrow of this house I paid them {$3500.00} in escrow in the year of XXXX, which is twice the amount. Now I am getting complaints basically they're defacing my credit and this is just absolutely unacceptable and I am going to pay my own insurance because they can't even keep track of my payments I will start paying my own taxes in XXXX as well I've been here XXXX years and there's only {$6000.00} paid off on my house I think there's something extremely wrong with this picture people that is a fact and every time I try to call these people I get know where computer shares is in your guys 's system in the government is like XXXX companies they are all red flagged as do not deal with them XXXX and XXXX knew what they were doing when they sold me to SLS XXXX XXXX so no this is just this is wrong completely wrong to be sold to a another country third-party the whole XXXX yards and all I've done is sit in my house and pay my mortgage on time and even a payment ahead and I proved to you people in that envelope that I am still a payment ahead and I always will stay a payment ahead my bank statements were in there and my mortgage statements were in there these are the all the checks that I wrote them and the days that they wrote them on if I can submit the paper the pictures that I have and then of course it states on the XXXX XXXX XXXXXXXX that they sent me that I basically started the loan with them and that's a lie. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Specialized Loan Servicing Holdings LLC | OH | 44,203 | null | Consent provided | Web | 05/02/22 | Closed with explanation | Yes | null | 5,528,738 |
07/28/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | We have had nothing, but issues since Rushmore Loan Management took over our loan. Apparently XXXX XXXX either sold our loan or had Rushmore begin servicing it. We are not 100 % clear on this. We believe it was transferred around the beginning of last year when we only owed a couple of XXXX dollars on our mortgage. We had made payments and then it seems more would be owed than what was actually supposed to be the balance. As of last fall we owed less than {$1000.00} on our mortgage. We have paid XXXX multiple times the SAME way we have always made our payments in order to payoff the loan, but since weve started trying to payoff the loan they will send payments back to us or will keep part of the money/payment and send the rest back to us. Weve called them multiple times over the past year just trying to pay the loan off, but they have been very unreasonable and fraudulent. We will ask them for a payoff and they will refuse to provide it over the phone and state that they will send it in the mail. Once it finally arrives in the mail the payoff amount is no longer good as the date has passed so we would call again and they would send another payoff, but once we received it the good until date had already passed. This has been a constant pattern. We asked multiple times over the past year to just let us pay over the phone and they refuse. We have sent money via our bank which is the same way we have always send payments and Rushmore sends the money back or only applies partial payment and send the rest back to us. We dont this multiple times. They are literally refusing to take our money and we only owe {$100.00}! A couple of months ago they told us they would only take certified funds for the last payment even though it was only {$100.00} and they had already sent money back to us so they had our funds at one point, but refused to apply them to our account and then sent our money back. They said to send a certified check or they prefer XXXX XXXX. XXXX XXXX funds are only supposed to be used for friends and family and it states this clearly on their website so we were not comfortable doing this. We have also seen information online where other customers have wired money through XXXX XXXX to Rushmore and Rushmore refuses to pick up the money and then start foreclosure proceedings. We went to our bank at the end of XXXX or beginning of XXXX and sent certified funds of {$200.00} via mail to Rushmore. This is more than the amount owed, but we want to make sure we sent more than enough. On XX/XX/22 we received a letter in the mail from XXXX XXXX firm stating we owed an outstanding balance of {$120.00} to noteholder : XXXX XXXX XXXX XXXX mortgage servicer : Rushmore Loan Management Services LLC. We had no idea that the {$200.00} certified funds had not been received or applied to our account. We went to our bank on XX/XX/22 and completed a wire transfer this time of {$200.00}. Our bank actually questioned sending this again because they had never heard of Rushmore Loan and were hesitant that they were an actual real company. However, the {$200.00} was sent via wire transfer on XX/XX/22. On XX/XX/22 we received a letter from Rushmore stating that they have started the foreclosure process and in order to prevent this we will now need to pay {$4300.00}. We immediately called Rushmore and they informed us they are attorney fees and we must pay those or they will move forward with foreclosure on XX/XX/22. However, the letter from the attorney says no attorney fees will be collected if the amount is paid within 5 days. We asked what we need to do to stop this process and they said to pay the {$4300.00} and we told them that isnt possible and this case needs to be reviewed. They said they will review, but that doesnt stop anything from moving forward. They asked us to send a letter stating why we disagree with this even though we have called multiple times and explained to the loss mitigation manager on XX/XX/22 the reasoning. We asked in the meantime if we need to complete the financial assistance application because we do not want to go into foreclosure and want this to be reviewed and fixed as we do believe they are a fraudulent company and are only taking advantage of people. They have refused to take the payoff of our mortgage on multiple occasions and are now trying to foreclose on our home. It is clear that this would be easy money for them as we clearly barely owed anything and honestly thought we had already paid off in the fall and then money kept getting tacked on somehow. We were told if we want to fill out the financial application then that will need to be completed by printing it out and then mailing it in. This is concerning since they supposedly dont always get the mail we send. We asked if we could email the letter they have requested and the financial application and receive a response that at least it has been received. We were informed they would not respond to email and would only communicate via mail, but will still continue with the foreclosure process. We dont know what to do, but all of this seems very fraudulent and planned. There are many other reviews online regarding Rushmore doing this same practice with other customers. This greatly concerns us for ourselves and for the elderly population that does not have access to the internet. We are desperately in need of help.
We also called the XXXX XXXX XXXX yesterday and they stated we only owed {$120.00} and then the lady XXXX XXXX we believe was her name ) looked our account up again and stated she saw the {$4300.00} and she didnt understand why. She also stated that she doesnt know why the {$120.00} balance is so low. We told her because that is all that is owed. When we tried to tell her about Rushmore sending money back to us she said we probably didnt send enough money to cover the payment and we informed her each time we sent more than the payment that was due and she kept talking over us. She told us she would review the case within XXXX business days. We told her that Rushmore said they would move forward on XX/XX/22 and that we want to make sure proceedings were halted while this is investigated and fixed. She said she could not promise that. She also said that there she be no attorney fees at this time. We told her that the paperwork from XXXX said no attorney fees if paid in full within 5 days, but that isnt fair because the paperwork is dated XX/XX/22 and we didnt receive it within 5 days. She said they just have to put that in there for legal reasons, but they there is not an attorney fee at this time. She was able to offer no help.
Some other concerns that are highly important regarding how Rushmore practices. We will call and they will refuse to give us information over the phone. We ask for payoff and they mail a payoff to us, but by the time we receive it the payoff is no longer good, they keep partial payments to avoid allowing us to pay off our loan, when we call and try to go to the automated system to check our account it sends us to collections or another department and most times it will say it is after hours and will need to call back the next day. We try to go online to pay, but can see nothing because it says we must contact collections. The company ( Rushmore ) literally makes it IMPOSSIBLE to pay off a loan/mortgage. We need help. Please let us know what we can do. We can not lose our family home over {$120.00}. We also want to make sure that this does not continue happening to others. The phone number for Rushmore is so tiny on the paperwork they we overlooked it multiple times. It is tiny and smudged. The info received from XXXX XXXX XXXX is encrypted or something and we cant read the statements they are supposedly sending us from Rushmore.
Another concern weve noticed is that sometimes Rushmore paperwork states to send to XXXX XXXX and other times XXXX XXXX. This company is conducting fraudulent business practices. They also just had a lawsuit where they had to pay out {$1.00} XXXX for charging illegal fees to customers.
We are happy to forward these current documents so you can see them.
Please advise and assist. | null | RUSHMORE LOAN MANAGEMENT SERVICES LLC | NC | 28,716 | null | Consent provided | Web | 07/28/22 | Closed with explanation | Yes | null | 5,820,630 |
04/20/22 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | Cardinal approved a refinancing on my house in early XX/XX/2022 and the night before I was to sign the actual loan documents, I reviewed them and found they had sneaked in two poison pill clauses not previously seen in their disclosures. One clause allowed them to take over my trust as soon as I died. This clause has been used by banks to steal billions from the estates of deceased persons including one very well publicized case involving XXXX XXXX charging an estate for huge legal bills without the knowledge of beneficiaries and putting a much larger mortgage on the house benefiting XXXX XXXX. The other clause was " Without Recourse '' which means I could not sue Cardinal if they screwed up, defrauded me or I found the contract violated the law. Cardinal also failed to put in the contract what was promised to me in emails-that I could recast the loan at any time with no charge. Without this promise being in the contract, it was not enforceable and a fraudulent empty promise. I told Cardinal I would not sign the contract until all the above items were corrected but they refused claiming their slimy business practices were the industry standard. I then refused to sign this immoral and probably illegal contract. | null | CARDINAL FINANCIAL COMPANY | CA | 95,127 | Older American | Consent provided | Web | 04/20/22 | Closed with explanation | Yes | null | 5,475,932 |
07/28/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I have been trying to have my PMI removed for over 6 months at this point. In XXXX of XXXX, I refinanced a duplex apartment as my primary residence. I lived in one unit of the building and rented out the other unit. After living in the home for a year and a half, my family was forced to buy another property with more bedrooms to accommodate our growing family. The value of my property had nearly doubled since I refinanced the property. When the property was appraised during the refinance, the property appraised for {$330000.00}. When I saw that I had reached the 78 % XXXX ratio I reached out to Caliber Home Loans to request to have my PMI removed. After months of no response I reached out to Caliber on two separate accassions and each time I was told that the removal was approved and that it just needed more time to process. After more weeks of waiting I was told that I would need to pay {$100.00} and fill out forms to have the property appraised to determine the new value of the property. I did as I was told and waited a few weeks with no response and then the {$100.00} check was refunded to me with no explanation as to why. I called back again and that time I was told that my PMI could not be removed because I needed to have a 65 % XXXX. Again I was instructed to fill out the forms, pay another {$100.00} check, and have a XXXX performed to determine if I met the requirements of a 65 % XXXX. I saw the check was cashed the first part of XX/XX/XXXX and after a few weeks of not hearing from Caliber I sent them a secure email through my online account with Caliber to ask them what needed to be done now since I saw the check was cashed but had not heard from anyone and they just sent another automated email saying " Read our FAQ 's ''. I responded to the email and said that didn't answer my question. They then responded with the same email telling me to read the FAQ 's. Then today I got another email saying that the {$100.00} check was refunded and that they can not discuss PMI removal requests over the secure email and to call customer service. I'm now on the phone with customer service and they're telling me that the company who does the XXXX was never able to contact me. This is not true. I have not received a single call, voicemail, or text from anyone related to this matter. This is the second time Ive paid the {$100.00} and signed the forms and I've had the same issue both times. I just did this same process for another loan with a different bank and had zero issues with that company. This is 100 % a problem on Caliber Home loans end and they refuse to fix the issue. I'm not sure what else to do and that's why I'm submitting this claim. Caliber refuses to send me anything in writing, won't let me email them regarding the matter for my evidence, and refuse to tell me what I need to do to fix the issue. And when I do what they require they still do not perform. So to be clear, I've had this loan since XX/XX/XXXX, I've filled out the Caliber Home loan forms 2 times, I've sent in the XXXX Check for {$100.00} 2 times, my property is worth nearly $ XXXX and I currently owe $ XXXX on it and would be well below the 65 % requirement. Lastly, This is a multifamily property that I purchased as my primary residence. This was not purchased as an Investment property and even if they want to count it as an investment property it still meets their requirements for PMI removal as per their forms. | null | Caliber Home Loans, Inc. | UT | 84,601 | null | Consent provided | Web | 07/28/22 | Closed with explanation | Yes | null | 5,820,110 |
06/03/22 | Mortgage | VA mortgage | Struggling to pay mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | TN | 37,187 | null | null | Referral | 06/06/22 | Closed with explanation | Yes | null | 5,638,884 |
06/10/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | M & T Mortgage failed to send the entire tax payment to the tax office from my escrow account. They were sent two tax parcels and failed to make the full payment. They also failed to contact me via letter, phone, or email to inquire or rectify the situation. They admit to receiving the two parcels from the tax office and failed to take any action to contact me. I had no idea they did not pay the full tax amount owed until after it was past due. I received a delinquent letter with late charges from the tax office in the amount of {$300.00}. They instead send me a partial refund way after the delinquent dates. In XXXX, I received a letter after I made a complaint with mortgage company that they do not feel like they are responsible for the late charge and have added the {$300.00} to my escrow account. I filed another complaint with the mortgage company and never heard back. I then followed up again on XX/XX/XXXX and was told they still didn't want to refund the {$300.00} to me for their mistake and inaction. I never chose this mortgage company in the first place. I will never use them again if they do not take the proper corrective again and pay the late charge that was their fault in the first place. I have no problems filing a complaint with the XXXX XXXX XXXX, other financial consumer complaint websites, making sure they get bad reviews for improperly handling this matter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | M&T BANK CORPORATION | TX | 76,012 | Servicemember | Consent provided | Web | 06/10/22 | Closed with explanation | Yes | null | 5,657,382 |
06/28/22 | 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 | WELLS FARGO & COMPANY | FL | 33,351 | null | Consent not provided | Web | 06/28/22 | Closed with explanation | Yes | null | 5,718,084 |
07/27/22 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | On XX/XX/2022 I filed a complaint number XXXX. The lender responded by stating they did not know what file I was referring to. I then responded with the information and Flagstar closed the complaint and did not answer the concerns raised. I then called Flagstar and asked about the concerns raised in the complaint. I was told that I needed to send in a Qualified Written Request and I needed to file another complaint. I was told they were unable ( or unwilling ) to send me any information regarding FHA recovery mod denial. I asked if Flagstar 's underwriting department or FHA denied the recovery mod. I was told it was a mutual decision. I am now requesting all documentation showing that the loan was sent to FHA for a recovery modification and FHA denial. Flagstar has now sent this loan to a foreclosure attorney. This is now incurring legal fees without any proof that all post COVID options were exhausted. We are asking for these documents. Also, in case Flagstar would like to say that they do not know what loan this is in reference to the loan number is XXXX. We are asking Flagstar to answer these questions. Also, we are again requesting information about the previous complaint. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Flagstar Bank, N.A. | FL | 33,458 | null | Consent provided | Web | 07/27/22 | Closed with explanation | Yes | null | 5,817,304 |
04/07/22 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | CITIZENS FINANCIAL GROUP, INC. | CA | 93,529 | null | null | Phone | 04/07/22 | Closed with explanation | Yes | null | 5,419,644 |
05/04/22 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | PENNYMAC LOAN SERVICES, LLC. | VA | 24,430 | null | null | Referral | 05/19/22 | Closed with explanation | Yes | null | 5,583,068 |
05/26/22 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | MN | 55,122 | null | Other | Web | 05/26/22 | Closed with explanation | Yes | null | 5,605,495 |
03/11/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | JPMORGAN CHASE & CO. | CA | 91,367 | null | null | Referral | 03/14/22 | Closed with explanation | Yes | null | 5,319,534 |
05/11/22 | Mortgage | FHA mortgage | Closing on a mortgage | null | null | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | TN | 37,207 | null | null | Phone | 05/16/22 | Closed with explanation | Yes | null | 5,552,794 |
06/21/22 | 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 | Shellpoint Partners, LLC | CA | 90,305 | Older American | Other | Web | 06/21/22 | Closed with explanation | Yes | null | 5,694,321 |
05/20/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | On XX/XX/22, I received a letter from PNC Bank saying there is a 2 year seasoning period required to have PMI deleted. Currently, I have over 24 % equity ( 27 % as of today ) and the article I read says that after having 22 % equity there should be automatic PMI deletion. Is it valid for PNC Bank to have a minimum 2 year seasoning period? I followed their instructions to mail them a check for {$100.00} to have an updated appraisal of the condo, and they mailed the check back to me. They alerted me to the two year minimum, which is not a requirement as per the CFPB article about PMI deletion. | null | PNC Bank N.A. | CA | 92,101 | Servicemember | Consent provided | Web | 05/20/22 | Closed with explanation | Yes | null | 5,584,214 |
07/08/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | XXXX, XXXX successfully accepted and applied all payments made on XX/XX/XXXX, through XX/XX/XXXX. I have attached the full payment history to date on this recently closed mortgage loan. The payment history reflects my payments made on XX/XX/XXXX but applied on XX/XX/XXXX through XX/XX/XXXX. I intended to pay ahead until I catch up to being half a year in advance of my mortgage payments, while also paying more on principal each month. Unfortunately, that same day it looks like they reversed some payments but misapplied them on the second round. On XX/XX/XXXX at XXXXXXXX XXXX they sent an email that looked spammy/phishing alerting me that my loan was past due. I am anxious that this will reflect negatively on my payments on time section of my credit report and put me at risk of default and foreclosure on my home. My desired resolution is for them to adjust this payment misapplication and error immediately given the severity of financial harm to me if they do not. I would also like for them to take corrective action and establish a permanent fix for the tech they are using to apply payments. I made payments on XX/XX/15, but they weren't applied until the XXXX. This could also harm someone's credit. Please work with this mortgage servicer to ensure they are not intentionally attempting to harm consumers via mortgage servicing late fees due to misapplication of payments. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | LAKEVIEW LOAN SERVICING, LLC | NC | 28,273 | null | Consent provided | Web | 07/08/22 | Closed with explanation | Yes | null | 5,751,736 |
05/23/22 | Mortgage | Conventional home mortgage | Problem with a credit reporting company's investigation into an existing problem | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | EQUITY LOANS LLC | MO | 63,303 | null | null | Phone | 05/23/22 | Closed with explanation | Yes | null | 5,592,403 |
03/31/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | RUSHMORE LOAN MANAGEMENT SERVICES LLC | CA | 93,619 | Servicemember | Consent not provided | Web | 04/28/22 | Closed with explanation | Yes | null | 5,389,885 |
03/12/22 | Mortgage | VA mortgage | Trouble during payment process | null | null | null | BSI Financial Holdings, Inc. | MD | 21,921 | Servicemember | Consent not provided | Web | 03/12/22 | Closed with explanation | Yes | null | 5,313,158 |
05/11/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | NATIONSTAR MORTGAGE LLC | CA | 91,360 | null | null | Phone | 05/11/22 | Closed with explanation | Yes | null | 5,552,689 |
05/26/22 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | HUNTINGTON NATIONAL BANK, THE | MI | 49,441 | Older American | null | Phone | 05/26/22 | Closed with explanation | Yes | null | 5,603,668 |
06/13/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | NATIONSTAR MORTGAGE LLC | FL | 32,752 | null | null | Phone | 06/13/22 | Closed with explanation | Yes | null | 5,664,705 |
04/25/22 | Mortgage | FHA 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 | MN | 55,060 | null | null | Phone | 04/25/22 | Closed with explanation | Yes | null | 5,493,979 |
04/11/22 | Mortgage | Other type of mortgage | Closing on a mortgage | null | null | null | HUNTINGTON NATIONAL BANK, THE | OH | 43,081 | null | Consent not provided | Web | 04/11/22 | Closed with explanation | Yes | null | 5,434,485 |
04/13/22 | 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 | BANK OF AMERICA, NATIONAL ASSOCIATION | VA | 23,607 | null | null | Referral | 04/14/22 | Closed with explanation | Yes | null | 5,446,329 |
04/08/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | Ocwen Financial Corporation | FL | 33,167 | null | null | Referral | 04/11/22 | Closed with explanation | Yes | null | 5,432,401 |
03/15/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | I was current with the previous mortgage servicer XXXX XXXX XXXX until the COVID XXXX pandemic hit and was placed on a COVID forbearance starting XX/XX/XXXX and as a United States XXXX XXXX XXXX I was suffering due to the restrictions placed by COVID as I was doing work for a XXXX but it closed because of social distancing guidelines The forbearance continued until XX/XX/XXXX and I was approved for a deferment of 10 months of payments I starting paying XXXX in XX/XX/XXXX and continued to as they were updating my loan to reflect current My loan never updated before the service transfer to Fay servicing on XX/XX/XXXX but XXXX continued to have me pay because they knew it was a matter of time and my loan would reflect current When my loan transferred to Fay servicing it was a completely different mortgage servicing experience and Fay would not accept my payments I mailed one in for the month of XX/XX/XXXX but Fay sent a Returned Funds notice dated XX/XX/XXXX saying I was in active foreclosure in spite of the fact XXXX approved me for a deferment I sent a copy of the agreement to Fay several times and it took Fay servicing until about XX/XX/XXXX to apply the deferment but for the 6 months they refused to accept payment Fay servicing refused to assist me and forced me to apply for a loan modification even though I was already approved and was paying my monthly payment before the service transfer my loan became delinquent due to the error in servicing by Fay in not updating my loan and not accepting payments | null | Fay Servicing, LLC | GA | 31,313 | Servicemember | Consent provided | Web | 03/15/22 | Closed with explanation | Yes | null | 5,326,154 |
04/14/22 | Mortgage | FHA 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 | CITIBANK, N.A. | FL | 33,319 | null | null | Phone | 04/14/22 | Closed with non-monetary relief | Yes | null | 5,446,322 |
03/17/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I spent 12 hrs straight for my request but failed finally.
1. I was contacted and helped by XXXX to help me for email/fax me the last two statements so to be in time with my underwrite in my new loan for another property, finally He was inresponsible to me the result.
2. XXXX -- XXXX -- XXXX -- XXXX -- XXXX I gave all account information to them, They pulled up my mortgage info and promise to help me faxing papers rushing to deadline. All of them kept promising to help me faxing the statement through the fax line XXXX but I did not see any.
3. Each time calling, waitinf period 30-50 mins for help.
I only had one MORTGAGE Account original from XXXX XXXXXXXX, later mergered to XXXX, My Inquiries were crewed up, now I am waiting online to be helped. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Lennar Financial Services, LLC | CA | 91,910 | null | Consent provided | Web | 03/17/22 | Closed with explanation | Yes | null | 5,336,034 |
03/24/22 | Mortgage | VA mortgage | Struggling to pay mortgage | null | My cares act forebearance ended XX/XX/XXXX, I filed XXXX mortgage assistance program XX/XX/XXXX as told to do so 30 days prior to forbearance ending, I've been submitting all the documents needed my award letter for the VA and SOCIAL SECURITY XXXX, MY WIFE 'S PAY STUBS AND BOTH OUR BANKS STATEMENTS SINCE XX/XX/XXXX, LAKEVIEW LOAN SERVICING, KEPT SAYING THAT THEY WERE NOT RECEIVING THE EMAIL, EACH REPRESENTATIVE THAT I TALKED TO KEPT GIVING ME DIFFERENT EMAIL ADRESS, FINALLY I SENT THE DOCUMENTS BY XXXX, NEXT DAY DELIVERY, CERTIFIED XX/XX/XXXX, AND THEY STILL SAID THEY HAD NOT RECEIVED THE DOCUMENT THEY WERE SIGNED FOR XX/XX/XXXX XXXXI HAD TO RESEND THE BANK STATEMENTS AND PAYSTUBS AGAIN FOR XXXX AND XX/XX/XXXX AND THEY STILL DELAYING, I BELIEVE THAT THEY ARE USING STALLING TACTICS, | Company has responded to the consumer and the CFPB and chooses not to provide a public response | LAKEVIEW LOAN SERVICING, LLC | TX | 76,179 | Older American, Servicemember | Consent provided | Web | 03/24/22 | Closed with explanation | Yes | null | 5,365,398 |
03/18/22 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | CARRINGTON MORTGAGE SERVICES, LLC | FL | 33,442 | Older American | null | Phone | 03/18/22 | Closed with explanation | Yes | null | 5,338,460 |
06/13/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Fay Servicing, LLC | CA | 96,019 | Older American | null | Phone | 06/13/22 | Closed with explanation | Yes | null | 5,665,420 |
06/22/22 | Mortgage | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | PENNYMAC LOAN SERVICES, LLC. | FL | 32,607 | null | null | Phone | 06/22/22 | Closed with explanation | Yes | null | 5,696,635 |
06/06/22 | 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 | WELLS FARGO & COMPANY | NJ | 8,512 | null | Consent not provided | Web | 06/06/22 | Closed with explanation | Yes | null | 5,638,145 |
03/16/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Ameris Bank 's XX/XX/XXXX XXXX XXXX Account Disclosure Statement miscalculates the escrow balance. The analysis includes : 12 months of " Account History '' for the period XX/XX/XXXX thru XX/XX/XXXX ( see page 2 of the " Annual Escrow Account Disclosure Statement XXXX '' ), and 12 months of " Escrow Projections '' for the period XX/XX/XXXX thru XX/XX/XXXX ( see page 1 the " Annual Escrow Account Disclosure Statement XXXX '' ).
The analysis was done in XXXX, in the Account History section it includes : a " projected escrow disbursement '' of {$1400.00} for Homeowners Insurance for XXXX, but does NOT include a " projected escrow payment '' of {$830.00} for XXXX.
So the 12 months of Account History ( XX/XX/XXXX thru XX/XX/XXXX ) includes 12 months of escrow disbursements, but only 11 months of escrow payments. No escrow payment for XXXX is included either in " Account History " or in " Escrow Projections ''.
The result is that the " Payments to Esc. Acct. Actual balance at the end of the " Account History '' section is missing XXXX month of escrow payment. Therefore the new/revised required monthly escrow payment is higher than it should be.
I've previously called and written Ameris but haven't achieved any correction, they just re-run the analysis with the same result. | null | AMERIS BANCORP | VA | 20,176 | Older American | Consent provided | Web | 03/16/22 | Closed with explanation | Yes | null | 5,333,059 |
08/12/22 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Chairman PenFed Board of Directors XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Improper Processing and withholding Necessary Information on PenFed Policies and Procedures to Extend the Mortgage Refinance Lock-In Agreement ( My letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Dear Chairman XXXX : Unfortunately, to date a satisfactory resolution has not been reached. As a result, I am respectfully coming back to you again for further review and consideration of my request based on the content of subject letters ( 6 ).
This is in follow-up to my telephone and e-mail communication with members of your staff as you requested. To date and as previously stated my concerns have not been addressed.
My ongoing outreach ( XX/XX/XXXX ) to address my concerns internally with regard and consideration to specified PenFed policies and guidelines have been disregarded. With this in mind, I am coming back to you with details as highlighted in my six previous letters for review, consideration in concert with the PenFed policies which I adhered to.
However, the XX/XX/XXXXXXXX XXXX XXXX XXXX team members that you referred me to never addressed the most important issues that I presented. Although I was not kept abreast or informed regarding the status of my application, I reached out for information and updates as highlighted below in my XX/XX/XXXX letter.
I am also enclosing key excerpts of my e-mail communication with XXXX XXXX XXXX, Digital Mortgage Loan Officer, all information provided by XX/XX/XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX, Settlement Pre-Processor ( XXXX, VA ), all information provided by XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Contract Mortgage Processor ( XXXX, XXXX ), all information provided by XX/XX/XXXX. Appraisal completed on XX/XX/XXXX. I found out for the first time on XX/XX/XXXX based on my outreach to XXXX XXXX on XX/XX/XXXX for a status update that we are unable to complete your mortgage request due to the fact that there is an unresolved litigation against your condominium associationI proceeded immediately to request procedures ( e-mail and telephone requests ) to extend and/or /re-lock as appropriate.
XXXX XXXX responded by stating that she did not have agreement extension/re-lock information readily available, did not want to provide incomplete or inaccurate information and would get back to me per my request. In spite of my repeated outreach, I never heard from XXXX XXXX again.
I was within PenFed guidelines to request a Lock-in Agreement extension, which I did, prior to the XX/XX/XXXX expiration date, yet was ignored and denied access to financial services and information necessary to allow me to move forward.
I remain confident that a thorough fair and impartial review of the circumstances associated with the issues I raised regarding my refinance application will confirm that I was subjectively denied crucial information and access to financial services that should have been made available to PenFed customers in my situation.
The information and access I requested are available and remain viable through existing PenFed policies and procedures. My request to extend my Lock-In Agreement, Loan Number XXXX, Dated XX/XX/XXXX, past XX/XX/XXXX was ignored and never responded to. This is unacceptable.
As previously highlighted, PenFed Policy states in-partIf your interest rate lock and this Agreement expire prior to your loan funding date, you will be subject to PenFeds interest relock policyMy communication confirms that although I requested the procedures and my desire to extend prior to the XX/XX/XXXX expiration date, I was denied the opportunity and procedures were never made available to me.
As stated, my continuing goal is to settle my concerns expeditiously through internal PenFed policies. My consistent efforts to address these pressing concerns and obtain reconsideration began XX/XX/XXXX and continues to date ( XX/XX/XXXX ).
As requested, I look forward to your decision regarding my request to move forward with my XX/XX/XXXX Refinance Application Agreement being reviewed for approval based on XX/XX/XXXX Lock-in-Agreement terms, timely submitted materials ( XXXX XXXX ) and accomplished on-site Appraisal ( XX/XX/XXXX ).
I should Not have been required to complete a new XXXX application. Between XX/XX/XXXX XX/XX/XXXX, I submitted All requested and required materials to complete my application and to extend the Lock-in Agreement past XX/XX/XXXX had my request been responded to. Importantly, the litigation that prompted PenFeds denial letter was dismissed by the XXXX XXXX on XX/XX/XXXX.
A review will support that non-responsiveness, neglect, failure to provide critical information by PenFed staff directly led to the XX/XX/XXXX refinance application denial. Those staff actions are responsible for the extenuating circumstances unique to my situation thus warranting an exception and immediate action to rectify the issues I have raised using my original XXXX Mortgage Refinance Application. This is my ongoing request.
Again, I am respectfully requesting and relying on an internal PenFed review and decision under your leadership with involvement of XXXX XXXX XXXX, PenFed President & CEO based on the facts and background information provided in accordance and compliance with PenFed policies and procedures.
I am confident that I have provided sufficient information to confirm that an extension could have been granted prior to the XX/XX/XXXX Lock-In Agreement expiration date.
I look forward to hearing from you. Thank You.
Sincerely, ( Signed ) PenFed Customer ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Military and Civilian Equal Opportunity Policy ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed References : 1 ). Substantiating E-mail Communication ( in-part ) Confirming my Request to Obtain Costs to Extend Lock-in-Rate Agreement; Confirmation that due to my request for status on XX/XX/XXXX and outreach to Loan Officer, I learned about Denial Decision for the first time on XX/XX/XXXX and immediately requested information to extend the lock-in rate agreement. The loan officer stated that she wanted to provide complete and accurate information and would need to get back to me. I never heard back, yet I continued to follow-up.
2 ). PenFed Credit Union Lock-In Agreement, Loan Number XXXX, Dated XX/XX/XXXX XXXX ). Statement of Credit Denial, Termination, or Change, Dated XX/XX/XXXX ( Determination Other Inadequate collateral Unacceptable property ), Loan Number XXXX. Document states that Denial was mailed on XX/XX/XXXX after my conversation with the Loan Officer and my request to extend the Agreement.
4 ). Virginia Courts Case Information Dismissal ( XX/XX/XXXX ) The XXXX XXXX cc Distribution List : 1 ). XXXX XXXX XXXX, PenFed XXXX & XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX ). PenFed XXXX XXXX XXXX, XXXX XXXX XXXX, VA ( XXXX XXXX XXXX XXXX, Vice Chairman, XXXX XXXX XXXX, Treasurer, Lt. Col ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX. ), XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. ), XXXX XXXX XXXX XXXX, XXXX ( XXXX. ), XXXX XXXX XXXX XXXX XXXX, ( XXXX. ), XXXX XXXX XXXX XXXX ( XXXX ) | Company has responded to the consumer and the CFPB and chooses not to provide a public response | PENTAGON FEDERAL CREDIT UNION | VA | 22,202 | Older American | Consent provided | Web | 08/12/22 | Closed with explanation | Yes | null | 5,870,596 |
06/22/22 | 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 | Freedom Mortgage Company | AZ | 85,375 | Older American | null | Phone | 06/22/22 | Closed with explanation | Yes | null | 5,697,691 |
05/25/22 | Mortgage | Reverse mortgage | Closing on a mortgage | null | null | null | Novad Management Consulting LLC | CO | 80,477 | null | Other | Web | 05/25/22 | Closed with explanation | Yes | null | 5,600,544 |
03/11/22 | 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 | Ocwen Financial Corporation | MD | 20,770 | null | null | Phone | 03/11/22 | Closed with explanation | Yes | null | 5,316,004 |
04/15/22 | Mortgage | VA mortgage | Trouble during payment process | null | As of approximately XX/XX/XXXX, I entered into a VA forbearance option with M & T bank due to financial difficulties caused by the XXXX pandemic. The Loan Servicer M & T bank accepted my request and outlined the process for the forbearance to include maximum duration of up to 1 year. The forbearance process also identified multiple paths to exit forbearance which were available to me as a home owner, one of which was called deferment. From M & T banks process definition, I would simply communicate my intentions to keep the property and resume regular payments before the 1 year period. Once I communicated my intentions, M & T would send new loan addendum paperwork requiring my signature. Once the new loan paperwork was received by M & T, loan payments would resume as normal and the balance of payments paused during the forbearance period would be allocated to the end of the loan period extending the length of the loan equal to the loan forbearance.
On XXXX, XXXX I communicated to M & T to start the exit process for the forbearance and enter into regular payments which 1. ) allocated all payments paused during the deferment period to the end of the loan period and 2. ) allowed me to resume regular payments for the duration of loan period as normal. ( My forbearance period was from XX/XX/XXXX through XX/XX/XXXX where XX/XX/XXXX was the date I started making payments per direction from M & T bank ) On XX/XX/XXXX, M & T bank sent me multiple documents identifying the new terms of the loan according to the forbearance plan to sign and send back for recording. From XXXX, XXXX through XXXX, XXXX M & T bank sent multiple copies of identical loan documents which I identified and communicated as redundant in nature. Nonetheless, I signed and mailed said document ( s ) back to M & T with a final copy sent on XXXX, XXXX time frame.
During the entire forbearance exit process starting XXXX, XXXX, M & T bank has verbally communicated they have a back log of loans transitioning out of forbearance into regular payment status and can not process my exit request. Ive resumed payments on-time in the full amount starting XXXX, XXXX to present ( XXXX, XXXX ) and are still unable to obtain regular account status with M & T bank. From XXXX, XXXX to present ( XXXX, XXXX ), M & T bank has kept me in a forbearance status equal to 8 months in duration. In total, my mortgage account has been in a forbearance or default state for almost 2 years. All payments paid to M & T bank from XXXX, XXXX to present have been deemed unallocated per M & T banks billing statements. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | M&T BANK CORPORATION | AZ | 85,041 | Servicemember | Consent provided | Web | 04/15/22 | Closed with explanation | Yes | null | 5,449,401 |
04/14/22 | Mortgage | VA mortgage | Improper use of your report | null | null | Company believes it acted appropriately as authorized by contract or law | NAVY FEDERAL CREDIT UNION | TX | 77,573 | Older American, Servicemember | null | Phone | 04/14/22 | Closed with explanation | Yes | null | 5,446,099 |
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 | MIDFIRST BANK | ID | 83,660 | Older American | null | Phone | 03/21/22 | Closed with explanation | Yes | null | 5,349,092 |
03/10/22 | Mortgage | VA mortgage | Trouble during payment process | null | I closed on my new construction home XX/XX/XXXX in XXXX, TX, located in XXXX XXXX. On XX/XX/XXXX, I submitted a letter from the XXXX XXXX Tax Assessor office as official certification that my property tax liability {$0.00} because I am a XXXX XXXX XXXX XXXX Veteran. The letter was signed by XXXX XXXX, Exemptions Clerk for the XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received a letter from LoanCare indicating they were made aware that I qualify for a tax exemption, and " if necessary, the account will be analyzed and adjustments made. I followed up with the company on XX/XX/XXXX, and the matter was still pending. I logged into my online account on or about XX/XX/XXXX, and the escrow amount had still not been modified.
The agent I spoke with stated " they called to XXXX XXXX Appraisal District '' to verify the information and was told that " I only qualified for a partial exemption ''. On my second follow up call on XX/XX/XXXX, I was told LoanCare was not waiting on a bill from the Assessors Office. Again, I have submitted a certified letter from the XXXX XXXX Appraisal District office that states " the exemption will result in no taxes being assessed on this property in XXXX and subsequent years. I had no choice in picking this company, but there actions in this case are consistent with many of the XXXX cases I have read. I am concerned that they are intentionally and unlawfully withholding my escrow funds to use for other investments. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | LoanCare, LLC | TX | 76,008 | Servicemember | Consent provided | Web | 03/11/22 | Closed with explanation | Yes | null | 5,309,219 |
06/29/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | RUSHMORE LOAN MANAGEMENT SERVICES LLC | PA | 19,111 | Older American | null | Phone | 06/29/22 | Closed with explanation | Yes | null | 5,721,986 |
03/29/22 | 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 | LAKEVIEW LOAN SERVICING, LLC | LA | null | Older American | null | Phone | 03/29/22 | Closed with explanation | Yes | null | 5,383,508 |
03/23/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | In late XXXX I took out a {$65000.00} mortgage with Sun Trust Bank. At that time we arranged for {$620.00} to be debited via ACH from my XXXX XXXX XXXX XXXX ( North Carolina ) checking account early each month. This amount would be deposited into my Sun Trust checking account. Sun Trust would then take the {$620.00} from that Sun Trust checking account to make the monthly payment on my mortgage on the XXXX of each month. I put {$300.00} into my Sun Trust checking account to set up that account.
This system worked fine from XX/XX/XXXX, when my mortgage payments began, through XX/XX/XXXX, when Sun Trust became Truist. For the XX/XX/XXXX mortgage payment, Truist did not ACH the {$620.00} from my XXXX XXXX XXXX XXXX into my now Truist checking account. I checked with XXXX XXXX XXXX XXXX, which said it had no record of an attempt by Truist to ACH the funds.
Because Truist did not ACH the funds into my Truist checking account in XXXX, when Truist tried to take {$620.00} from that account, there were insufficient funds to make the monthly mortgage payment. Truist then began to assess fees, which so far have amounted to over {$200.00}, reducing my Truist checking account balance from {$300.00} to {$72.00}. Truist claims it tried to ACH the funds, but there were insufficient funds in my XXXX XXXX XXXX XXXX account. I have provided Truist with a running total of my checking account balance in XXXX through the XXXX of the month, when Truist tried to take my mortgage payment from my Truist checking account. That running balance shows there was always more than {$2000.00} in my XXXX XXXX XXXX XXXX checking account. So Truist 's claim of insufficient funds in my XXXX XXXX XXXX XXXX account is not true. So much for the bank 's name.
I have made the XX/XX/XXXX mortgage payment by check today ( XXXX ). I have spoken to a banker in a Truist branch, but she has no authority to reverse the over {$200.00} in charges on my Truist checking account and no ability to determine whether Truist in fact tried to ACH {$620.00} from my XXXX XXXX XXXX XXXX checking account.
I want the fees Truist has assessed -- and any fees Truist will assess going forward -- restored to me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | NC | 27,401 | null | Consent provided | Web | 03/23/22 | Closed with explanation | Yes | null | 5,359,484 |
05/02/22 | Mortgage | FHA mortgage | Trouble during payment process | null | I have requested a copy of my escrow analysis from my loan servicer and they have not provided me with it. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | LAKEVIEW LOAN SERVICING, LLC | AL | 35,630 | null | Consent provided | Web | 05/02/22 | Closed with explanation | Yes | null | 5,524,181 |
03/14/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | Company believes it acted appropriately as authorized by contract or law | SELECT PORTFOLIO SERVICING, INC. | NJ | 7,603 | null | Consent not provided | Web | 03/14/22 | Closed with explanation | Yes | null | 5,321,952 |
03/24/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | My current loan is being serviced by Primary Residential Mortgage ( PRMI ) ( since XX/XX/XXXX ). XXXX XXXX is the lender.
My statements consistently get to me late each month, just before the due date. Example, for a XX/XX/XXXX due date I received the statement XX/XX/XXXX. This has been the pattern since inception of the loan. I have not been assessed late fees because there is a grace period until the XXXX of each month.
I have spoken PRMI and was basically told nothing would be done to get my statements to me any sooner in the month. | null | PRIMARY RESIDENTIAL MORTGAGE | AR | 71,901 | null | Consent provided | Web | 03/24/22 | Closed with explanation | Yes | null | 5,363,234 |
08/06/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | NATIONSTAR MORTGAGE LLC | OR | 97,487 | null | Consent not provided | Web | 08/07/22 | Closed with non-monetary relief | Yes | null | 5,850,875 |
04/01/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | My loan was transferred from XXXX XXXX to Gregory Funding. I was on a forbearance program last year.
This year, I started to pay my monthly payment every month on time ; however, I was told that they were processing all payments manually. This process is causing a late fee every month due to the volume of customers they have in their books.
This XXXX, I've received a Forbearance Agreement Trial for three months. Payments are high. After the three months, I have only one option, Loan Modification.
I do not want to extend my Loan or keep the high monthly payments.
I thought the government stated that customers would be able to put the amount owed at the back of the Loan.
I have been in communication/conversation with Gregory Funding almost every month, dates documented.
Please help. Assistance will be appreciated.
Thank you! | null | Aspen Yo LLC | FL | 33,010 | null | Consent provided | Web | 04/01/22 | Closed with explanation | Yes | null | 5,391,691 |
03/22/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | I have had a very difficult time with Shellpoint. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Shellpoint always seemed to lose my paperwork, which I constantly had to re-fax. My representative does not seem to want to help my save my home. I went on a forbearance from CODVID income loss. Shellpoint recommended it during the pandemic. What Shellpoint didnt tell me is the fact they would not help be resolve the COVID forbearance by a modification. Not helping a homeowner resolve the forebears from COVID seems predatory. I have been told by Shellpoint that they did a XXXX XXXXest that came in XXXX XXXX dollars lower than the actual value. My value has gone up considerably so failing a XXXX test seems like fraud. | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | CA | 90,064 | Servicemember | Consent provided | Web | 03/22/22 | Closed with explanation | Yes | null | 5,353,523 |
03/25/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | CA | 92,119 | Older American | null | Phone | 03/25/22 | Closed with explanation | Yes | null | 5,368,293 |
04/05/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company believes complaint caused principally by actions of third party outside the control or direction of the company | Shellpoint Partners, LLC | WI | 53,213 | null | Consent not provided | Web | 04/05/22 | Closed with explanation | Yes | null | 5,409,933 |
05/18/22 | Mortgage | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | Hello, I am XXXX XXXX XXXX and was recovering from XXXX, so I was offered a forbearance plan, then a loan modification with Freedom Mortgage. The final documents were signed and sent via FedEx by me on XX/XX/XXXX. We proceeded to pay the mortgage under the terms of the agreement.
Initially, I sent the first packet in XX/XX/XXXX. Freedom Mortgage immediately notified me there was an error made by the notary, she signed in the wrong spot.
I completed new forms and had them notarized, and returned them via XXXX on XX/XX/XXXX. I sent them to Freedom Mortgage, but to their XXXX address vs. the XXXX office. I called regularly to see if it was received in the right office. XXXX tracking confirmed the overnight delivery in XXXX. I was told many things when calling Freedom Mortgage, but ultimately they told me the documents were received at the right location.
I received a signed lender agreement dated XX/XX/XXXX. This agreement is several pages long, titled LOAN MODIFICATION AGREEMENT, signed and notarized by the Freedom Mortgage underwriter with confirmation the agreement was complete. We paid the mortgage since then under those terms.
Seven months later, in XX/XX/XXXX, I received a letter and phone call from Freedom Mortgage letting me know they never received signed and notarized documents. They added they are no longer valid, my request for loss mitigation assistance is closed, and I must apply again.
I have called them many times, each time with a different answer. I recently wrote them through their message center on XX/XX/XXXX and XX/XX/XXXX. They promised a response within three days, which has not been received. I called today and was told the person knew nothing about it, but once he looked into it, said even though Freedom Mortgage signed and notarized the documents they were too late for FHA. They only referred to the first packet sent in XX/XX/XXXX, which was corrected. Never mention of the XXXX submission, or their signed loan modification agreement dated XX/XX/XXXX.
How can this be my fault? This is heartbreaking. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | IL | 60,098 | Older American | Consent provided | Web | 05/18/22 | Closed with explanation | Yes | null | 5,574,836 |
05/05/22 | 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 | IL | 60,532 | null | null | Phone | 05/05/22 | Closed with explanation | Yes | null | 5,545,388 |
04/05/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | I was with Bank of America for my mortgage. I was in a forebearance plan that ended XX/XX/2021 and I made my first payment on XX/XX/2021. I was then told I missed the deadline on the forbearance. I never received a phone call or letter stating that deadline. I worked with a woman at the bank who assured me she was putting me in a XXXX XXXX flex modification because of the bank error. She instructed me to decline any repayment option the bank offered so I could get this modification. She had her manager opt me out of them .XXXX XXXX they notify me that my loan is being sent to a new servicer XXXX XXXX XXXX.
This new servicer only sees that I opted out of the offers and refused to work with me on any other options to keep my home. Bank of America dropped the ball and now I'm at risk of foreclosure because of it. They should be responsible to complete what was started before the transfer or delayed the transfer until my loan situation was resolved. This had caused me extreme hardship. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | RI | 2,920 | null | Consent provided | Web | 04/05/22 | Closed with explanation | Yes | null | 5,410,312 |
04/07/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | We have tried multiple times to fix our problem with this company and they have refused us so many times. One the XXXX of XX/XX/XXXX, our house went for auction and we attended. We called Rushmore while the auction was happening to see if we can delay the auction. They refused to do so. They said that it's too late. There was plenty of time to prevent the auction the morning of, but they would not do so.
But what's unbelievable, the auction was delayed for a couple of hours and then finally postponed for 1 week. How is this possible, when Rushmore said that there was no time anymore? It's too late, they said!
We called the trustee about the house and said they that should've have known about this earlier. This means that Rushmore is not communicating with the trustee or no one cares on both ends.
We just finished talking to a lawyer who said she is dealing with Rushmore as I write this and she said that Rushmore is one of the worst companies.
Rushmore has XXXX complaints on XXXX.
There job is to seek and destroy. Not help.
They took my sister 's six trial payments and did not give us approval on loan modification because of one missed signature. There was already another signature there.
Just because one signature was missing, you do not dismiss the whole package!
After that, they denied us over and over. Why?
In the court of law, the judge is going to wonder why we were approved for a trial period and then denied? We made all six payments and then denied because of one signature! The judge is going to ask why? This will not make sense to the judge.
Rushmore says I am not a successor-in-interest, but I am on the will.
I want to know why this is happening and why they are not in communication with the trustee. Why did the the trustee say they were not aware of all this?
When we asked Rushmore for the contact information to the trustee, they would NOT give it to us on the day of the auction.
Rushmore needs to be reported to HUD and California legislation.
I contacted XXXXXXXX XXXX XXXX XXXX XXXX before the auction and asked for a postponement, but they still have not responded.
We will be contacting XXXX again.
My mother worked hard for this house and passed away in XXXX. Now Rushmore is trying to destroy that by taking it away.
This company needs to be investigated by government officials. | null | RUSHMORE LOAN MANAGEMENT SERVICES LLC | CA | 93,619 | null | Consent provided | Web | 04/07/22 | Closed with explanation | Yes | null | 5,416,499 |
03/10/22 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | null | Company believes it acted appropriately as authorized by contract or law | BROKER SOLUTIONS, INC. | MD | 20,774 | Servicemember | null | Phone | 03/10/22 | Closed with explanation | Yes | null | 5,307,218 |
04/07/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I set up a bill pay through XXXX XXXX for United Wholesale Mortgage on XX/XX/XXXX. The payment was set to be made on XX/XX/XXXX. On XX/XX/XXXX the payment was taken out of my account. Around mid XX/XX/XXXX I received the mortgage statement and it stated my payment was past due. At that point I called XXXXXXXX XXXX to find out why United Wholesale Mortgage was showing a missing payment as XXXX was showing that the payment was sent and accepted by UWM. I then was in contact with UWM. They did extensive research to try to find the payment that XXXX XXXX insisted had been sent and that the fund were accepted. The payment information was entered correctly and the bank shows it sent it electronically.
Every week in XXXX and up until XX/XX/XXXX XXXX insisted that the funds were accepted by UWM and that at this point there was nothing they could do and that it was out of their hands since the funds had already been withdrawn and accepted. UWM informed XXXX that they do not accept electronic payments, only paper checks. I opened a claim through XXXXXXXX XXXX XXXX XXXX. On XXXX XXXX I was informed by XXXX that the payment to UWM was processed according to the information provided. XXXX also said no adjustments would be made to my account at this time. I continued to be in contact with the bank and UWM in hopes to get a resolution. On XXXX XXXX once again I was in contact XXXX Claims department on a 3 way call with UWM. This time the customer service agent from XXXX informed us that the payment actually went to XXXX XXXX XXXXXXXX ( XXXX XXXX is the Parent Company ). At no point has XXXX mentioned that it was sent to a different mortgage company these past 2 months that we have been calling and going back and forth and they insisted the payment had been sent and accepted by UWM. My contact at UWM and I immediately call XXXXXXXX XXXX to try to get a hold of someone that can possibly help us track the payment they somehow accepted. The Customer service rep at XXXX unfortunately was not able to help as they need an account number or social security in order to help us. They said there was no way of accepting a payment if there is no account or social security on file. However, the UWM no is saying that the payment was sent and accepted to XXXX. I was never informed of this information until XX/XX/XXXX. I questioned them as to why they are not able to help resolve this huge mistake that the bank made. The XXXXXXXX XXXX told me it is out of they hands and they can not retrieve the money or do anything at all because the money was accepted and it was past 30 days and they could no longer cancel the payment. I even went to XXXXXXXX XXXX in person as I am getting no where via phone. The XXXX XXXX rep told me the exact same thing they have been telling me over the phone. He sent an email to people higher up regarding the situation but informed me that they might not be able to do anything to retrieve my money. In a few days it will be 3 months this ongoing issue has been dragging on and I am at a loss. The bank made the mistake from the get go and failed to provide me with the correct information and I need assistance retrieving my money that was taken out of my account and sent to the wrong company without my authorization. The bank insist the payment was sent to UWM. | null | United Shore Financial Services, LLC | IL | 60,560 | null | Consent provided | Web | 04/07/22 | Closed with explanation | Yes | null | 5,420,183 |
04/18/22 | Mortgage | Home equity loan or line of credit (HELOC) | Trouble during payment process | null | We had a HELOC ( # XXXX ) with legacy BB & T that was paid off as part of a refinance on XX/XX/XXXX. In early XXXX I began compiling information for XXXX taxes. Since the conversion to the Truist website ( I believe XX/XX/XXXX but am not sure ) the loan is no longer visible online. I need the statements from XXXX in order to verify interest paid on the loan. I called Truist in XXXX ( week of XXXX ) to request the statements.
I was told a request would be submitted to send the statements via US mail. I have not received them. I sent an email on XX/XX/XXXX to my local branch manager in XXXX XXXX, SC, XXXX XXXX, to request assistance with this issue and several others. I received a response from her on XX/XX/XXXX indicating she had not been able to obtain the statements but would request that they be sent. I have not received them. I sent another email to her on XX/XX/XXXX and never received a response. A friend who worked on the merger forwarded my email thread outlining a number of issues including this one to two merger leaders at Truist. On XX/XX/XXXX I received a voice mail from XXXX XXXX who indicated that he was assigned to my case with ( # XXXX ). I called and left messages on XX/XX/XXXX, XXXX and XX/XX/XXXX and have received no call back. I have already had to file an extension on our business taxes due to this and one other Truist issue. We filed the business return today without the information because I have no confidence that Truist will provide the information in a timely manner if at all. Truist also neglected to send form 1098 for tax purposes. I was under the impression that banks are required to retain customer records for a period of time ( XXXX years )? Thank you | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | SC | 29,708 | null | Consent provided | Web | 04/18/22 | Closed with explanation | No | null | 5,461,869 |
05/09/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | Ocwen Financial Corporation | NJ | 7,747 | null | null | Phone | 05/09/22 | Closed with explanation | Yes | null | 5,551,256 |
07/05/22 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | To whom it may concern : On XX/XX/2022 A loan officer name XXXX XXXX working under the company Home American Mortgage company emailed me with a subject on all Capital letter and bold letters to lock my loan. He didn't even send me a breakdown of numbers how much my monthly mortgage, and other expenses involved. There's no documentation, no explanation, and I didn't even get a chance to ask questions about any type of loan, if I can buy some points just to lower down the interest rate. He just want me to close my loan or lock my rate. I was on vacation at that time and I felt he rush me to lock the rate even if I already told him I am currently on vacation. He still keep bugging me, calling me at night and texting me without asking what will be the best time to call you.I will attached a copy of the email down below.
On XX/XX/2022, same loan officer XXXX XXXX called me to lock my loan, same situation happened, he wants me to lock my rate without any explanation, he didn't give a chance to ask questions about any type of loan, if I can buy some points, he doesn't provide any documentation of loan estimates what are the breakdowns that includes on the loan, he said he can't send me those until i lock my rate, which is not true because I talked to other loan officer and they would give me all the breakdowns and explain each pages, the content of the documents, on what to expect, guide me through the process of picking the right and best rate for a client. He started raising his voice when I tried to asked questions and he's been refusing to provide me the documentation on the breakdowns of my monthly mortgage. He even verbally told me that " I will be paying XXXX grand on your closing cost ''! He treated me unprofessionally just because you will be paying a certain percentage towards on my closing cost, you have the right to tell me right into my face. This is there offer being an in house lender on XXXX XXXX XXXX. He would pressure me and rush me to lock the rate and would give me a little amount of time to respond and would say, you only have two hours to respond to this offer because this will go away. He is very arrogant, rude and unprofessional. I am looking for a loan officer that can help me guide through the process, explain every detail, give their client the freedom to ask questions and treat his/her client in a professional manner.
I emailed the manager and CC the Vice President regarding this issue.
Hoping for your prompt consideration on this matter.
Thank you. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Home American Mortgage Corp | CA | 95,051 | null | Consent provided | Web | 07/05/22 | Closed with explanation | Yes | null | 5,737,534 |
04/08/22 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | It all started back in XXXX when I originally applied for a mortgage with Chase, the process was dragged out. They tried to find every excuse not to give me a loan. I had a consistent job, my credit score was in the XXXX, I had the income and the down payment. A few days before my original closing after sending all the documents they needed, I suggested and had to find a Co borrower for my mortgage because they said I didnt qualify for the loan.
This next incidence was back in XXXX of XXXX. I applied for a refinance to help lower my payments, save on interest and take the co borrower off the loan which he helped me with. He needed to apply for credit for his own personal reasons and wasnt able to because he was on my Mortgage. I had the same job, my credit score was still in the XXXX, didnt miss any payments and had equity in my home. I was receiving income from the same job but was just on workers compensation. I was told by the representative after a long conversation going through the application and answering all the questions for qualification and her explaining what my rate would be ; to reapply after I go back to work. I later on emailed her and told her I think she was violating my rights because I have a source of income. She proceeded to process my application and set up where I needed to upload my documents including my pay stubs. Which I uploaded and sent. Days later passed with no response and I reached out to see if she received my documents. She told me that they needed to have a letter stating when I will go back to work. I told her I didnt know for sure and couldnt produce that but I can upload a job verification with XXXX protection. She ignored my calls from the beginning and continued. I emailed her and even CCd her supervisor to get updates with no response. I finally got an email back and she said she will get back to me to see if my letter was enough. She also explained that the other letter I sent stating 2 years of XXXX was not enough. Weeks went by and my application was just closed. No notification by email, telephone call or written denial letter.
I was treated very unfairly and discriminated against because of a temporary XXXX that she pointed out as in attached email. They denied me all the possibilities to help me lower my payment. They didnt care if I would have been in a future situation, that could have led to me losing my home. I have been receiving a lot of refinance letters, since interest rates have gone down and they didnt even give me a fair chance. XXXX XXXX owns my loan and Chase act like they couldnt help me. They denied me my equal rights just as everyone else to apply for refinance and to be treated fairly. I have suffered mentally and financially and I am highly disappointed because I have put all my financial trust in Chase being a customer for over 10 years with banking and credit cards. | null | JPMORGAN CHASE & CO. | NJ | 8,873 | null | Consent provided | Web | 04/08/22 | Closed with explanation | Yes | null | 5,425,312 |
04/20/22 | Mortgage | VA mortgage | Trouble during payment process | null | In XX/XX/2019 my wife XXXX XXXX was advised that XXXX XXXX was selling her loan to Specialized Loan Servicing LLC. Our first payment to them was made at the end of XX/XX/2019 for XX/XX/2019 payment. ( We are 1 month ahead in payments ). Federal Rules state they were to apply funds to my account upon receipt, but this company did not, instead they took XXXX XXXX monthly mortgage payment and put it in a " Unapplied Funds Undefined '' account and when XX/XX/2019 arrived they finally posted the mortgage payment to the account.
THE PROBLEM WITH NOT APPLYING THE PAYMENT UPON RECEIPT MEANS THEY MADE MORE MONEY IN INTEREST THAN THEY SHOULD HAVE HAD THEY APPLIED THE MORTGAGE PAYMENT AT THE TIME OF RECEIPT.
THE FOLLOWING IS MERELY AN EXAMPLE : Loan Bal : XXXX Principal Payment : XXXX Interest Varies-goes down each month- {$230.00} So I make a monthly Mortgage payment on the XXXX Bal on XXXX, XXXX, XXXX of {$250.00} and that drops the principal down to XXXX and interest is accrued until the next mortgage payment ... XXXXBUT WAIT, I HAVE ALREADY PAID XX/XX/2019 MORTGAGE PAYMENT, The company just has not applied the payment as they should have. So instead of earning interest on the XXXX they should be earning interest on {$69000.00} and when they get the next check in XXXX for XX/XX/2019, if the company applied the payment to my account they would be earning interest on {$69000.00} for the month of XX/XX/2019 and not {$69000.00}.
By NOT APPLYING my MORTGAGE PAYMENT when received this company has EARNED INTEREST IT IS NOT ENTITLED TOO.
I have calculated an ESTIMATED {$21.00} in excess interest, it could be more, earned by this company because they did not apply my mortgage payment to my loan when received. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Specialized Loan Servicing Holdings LLC | TX | 77,566 | Servicemember | Consent provided | Web | 04/20/22 | Closed with explanation | Yes | null | 5,473,105 |
04/05/22 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | CT | 6,413 | null | Consent not provided | Web | 04/05/22 | Closed with explanation | Yes | null | 5,411,270 |
04/18/22 | Mortgage | Conventional home mortgage | Improper use of your report | null | Pingora Loan Servicing , LLC leaked my highly confidential PII including my SSN, name and address. It did not have proper security in place and as a result my data was breached. This can have a lifelong affect on my credit. They are offering a XXXX year credit monitoring service as a make-good on their irresponsibility that can affect the rest of my life. | null | Pingora Holdings, LP | NJ | 7,105 | null | Consent provided | Web | 04/18/22 | Closed with explanation | Yes | null | 5,462,024 |
03/13/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company believes it acted appropriately as authorized by contract or law | NATIONSTAR MORTGAGE LLC | CA | 90,064 | Older American | Consent not provided | Web | 03/13/22 | Closed with explanation | Yes | null | 5,313,492 |
03/16/22 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | M&T BANK CORPORATION | LA | 70,129 | null | Consent not provided | Web | 03/16/22 | Closed with explanation | Yes | null | 5,326,482 |
03/23/22 | Mortgage | FHA mortgage | Incorrect information on your report | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | PA | 19,608 | null | Consent not provided | Web | 03/23/22 | Closed with explanation | Yes | null | 5,359,447 |
03/23/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Escrow Account : My escrow balance is {$7600.00}. I received several tax bills and at first wasn't concerned knowing I have an escrow account. I was only concerned about the supplemental that I am responsible for outside of the annual taxes. Upon further investigation I realized that my taxes have not bee disbursed for the reassessed amount and the county is now charging a late fee. I will not pay this fee. It is the servicers responsibility to make sure those taxes are paid. I have made multiple attempts via phone to resolve this matter and by email. It is falling on deaf ears. It is the job of the servicing agent to make sure escrow accounts are disbursed correctly and timely. Being that I am experiencing this and I am in the business, it makes me question what other borrowers are a victim of this and how many have paid erroneous late fees because of poor accounting by this company. In addition I had initially paid the XXXX as I knew it would be a supplemental later. Planet Mortgage sent a notice that they issued a refund. I have yet to receive this payment. | null | PLANET HOME LENDING, LLC | CA | 92,346 | null | Consent provided | Web | 03/23/22 | Closed with explanation | Yes | null | 5,358,099 |
06/12/22 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | RANDOLPH-BROOKS FEDERAL CREDIT UNION | TX | 75,495 | null | Consent not provided | Web | 06/12/22 | Closed with explanation | Yes | null | 5,662,053 |
03/15/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company believes it acted appropriately as authorized by contract or law | SELECT PORTFOLIO SERVICING, INC. | FL | 33,774 | null | Other | Web | 03/15/22 | Closed with explanation | Yes | null | 5,327,805 |
03/16/22 | Mortgage | VA mortgage | Trouble during payment process | null | null | Company believes it acted appropriately as authorized by contract or law | Village Capital & Investment LLC | TX | 78,253 | Servicemember | Consent withdrawn | Web | 03/16/22 | Closed with explanation | Yes | null | 5,329,220 |
04/30/22 | Mortgage | Home equity loan or line of credit (HELOC) | Trouble during payment process | null | null | null | PNC Bank N.A. | PA | 15,037 | Older American, Servicemember | Consent not provided | Web | 05/17/22 | Closed with monetary relief | Yes | null | 5,522,865 |
03/30/22 | 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 | DC | 20,011 | null | null | Referral | 03/30/22 | Closed with monetary relief | Yes | null | 5,388,463 |
04/25/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | NATIONSTAR MORTGAGE LLC | SC | 29,492 | null | Consent not provided | Web | 04/25/22 | Closed with explanation | Yes | null | 5,490,408 |
03/15/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | CIT BANK, NATIONAL ASSOCIATION | CT | 6,331 | null | null | Postal mail | 03/15/22 | Closed with explanation | Yes | null | 5,323,052 |
03/15/22 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | MD | 21,221 | Older American | Consent not provided | Web | 03/15/22 | Closed with explanation | Yes | null | 5,325,607 |
03/12/22 | Mortgage | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | null | We signed a Home Equity Line of Credit ( HELOC ) with Bank of America NA ( hereinafter BOFA ) on or about XX/XX/XXXX. Upon request in person at a BOFA branch and by telephone around XXXX XXXX, BOFA acknowledged that our Promissory Note was sold, but unable to identify the true buyer ( s ). In good faith belief, we assert that our loan had been securitized and bundled with other loans to sell as stock by BOFA. We seek from BOFA to verify who is the Rightful Owner/Holder In Due Course of our Promissory Note with a " Qualified Written Request '' for copies of all sales contracts, servicing agreements, assignments, allonges, transfers, indemnification agreements, recourse agreements and any agreement, including Power of Attorney issued by BOFA to XXXX XXXX XXXX XXXX if any, related to our loan from its inception to the current date. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 91,789 | null | Consent provided | Web | 03/12/22 | Closed with explanation | Yes | null | 5,312,896 |
03/10/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I refinanced and almost 6 months going on with this proble
m. I filed 3 or 4 times a automatic monthly payment form to deduct my monthly mortgage. And still it's not deducting monthly without me calling yhe bank. They say everymonth that " sorry for the problem but you are all set from here on ''. Every month I need to call them and state that my monthly mortgage is not taken. Also I get every month a letter in the mail that my mortgage payment is past due! Most importantly is my mortgage amount is not up to date! Mortgage statement is missing 2 payments! Please help! Please advice if I need to talk to a lawyer. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SIMMONS FIRST NATIONAL CORPORATION | MA | 2,771 | null | Consent provided | Web | 03/10/22 | Closed with explanation | Yes | null | 5,304,830 |
03/21/22 | Mortgage | Other type of mortgage | Trouble during payment process | null | null | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | FL | 34,233 | null | Consent not provided | Web | 03/21/22 | Closed with explanation | Yes | null | 5,348,938 |
05/28/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | Fay Servicing LLC is a debt collector and my loan servicer. They are not assisting me. I have made mortgage payments from my previous XXXX servicer and have paid my mortgage payment all of this year yet my balance continues to increase by the thousands with each monthly statement.
On XX/XX/2022 @ XXXX pm someone at Fay Servicing called me. They didn't tell me why they were calling. I told them on a recorded line that I need loan modification assistance and was put on hold while they connected me to that particular department. After 5 minutes the person got back on the line and told me to read the XX/XX/XXXX letter they sent me to them. I told them I was driving but they insisted I read the letter to them. Then they said they had to read the letter for themselves. I expressed to them that this is a recorded line. They then said they will call me back. This is not servicing it is just harassment. They did not tell me why they were calling. Again I am looking for loan modification assistance due to financial hardships. Thank you for your assistance. | null | Fay Servicing, LLC | WA | 98,296 | null | Consent provided | Web | 05/28/22 | Closed with explanation | Yes | null | 5,616,676 |
03/17/22 | 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 | TN | 37,404 | null | Consent not provided | Web | 03/17/22 | Closed with explanation | Yes | null | 5,336,538 |
04/25/22 | Mortgage | Reverse mortgage | Closing on a mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | REVERSE MORTGAGE INVESTMENT TR | OH | 44,128 | Older American | Other | Web | 06/16/22 | Closed with explanation | Yes | null | 5,491,657 |
06/13/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | RUSHMORE LOAN MANAGEMENT SERVICES LLC | RI | 2,920 | null | null | Referral | 06/13/22 | Closed with explanation | Yes | null | 5,664,684 |
05/16/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | Lost job due to COVID, missed a couple of payments and now they want to take the house.
We make less than {$2000.00} a month and they want us to pay more than {$1700.00} a month for our mortgage.
I am a veteran and have not been treated fairly.
My original mortgage was {$21000.00} in XXXX and now we owe more than {$22000.00}.
We do not want to lose our house. | null | Ocwen Financial Corporation | IL | 62,703 | Older American, Servicemember | Consent provided | Web | 05/16/22 | Closed with explanation | Yes | null | 5,567,739 |
03/25/22 | Mortgage | VA mortgage | Closing on a mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | FL | 33,432 | Older American, Servicemember | null | Phone | 03/27/22 | Closed with explanation | Yes | null | 5,368,434 |
04/27/22 | Mortgage | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | null | null | null | Brightfunders, LLC | CA | 94,531 | null | null | Phone | 04/27/22 | Closed with explanation | Yes | null | 5,508,983 |
04/28/22 | Mortgage | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Specialized Loan Servicing Holdings LLC | AZ | 85,086 | Older American | Other | Web | 04/28/22 | Closed with explanation | Yes | null | 5,511,531 |
05/16/22 | Mortgage | FHA mortgage | Problem with a credit reporting company's investigation into an existing problem | null | Dear Consumer Financial Protection, I had made a complaint prior to you about XXXX XXXX XXXX. They encouraged me every three months to do a forbearance when I lost my job because of Covid. XXXX reassured me I would not lose my home. I trusted them and I did. After the forbearance period was over, I went through months of sending paperwork over and over and them asking for the same paperwork that I sent over and over. I was getting phone calls saying I was going into foreclosure because I did not qualify for any of their programs and could not get an answer why? After they received complaints from your company they sold my loan to Carrington mortgage. I was contacted from Carrington mortgage stating my loan had been bought out by XXXX XXXX XXXX. I never received any notices from XXXX XXXX XXXX stating they sold my loan. When they sold my loan my credit score went down XXXX points and they reported that I was late while I was in the loan modification. I have worked so hard in my life to build up my credit score it was EXCELLENT now it is fair. I have tried to contact them several times about this issue with no call back.I justed looked at my credit report today XX/XX/XXXX, and now XXXX XXXX also reported I was 120 Days late?? The loan was bought out XX/XX/XXXX. I was told 3 times when I called to check on the ststus, it will take 30-60 days to update your loan. I still have not receives anything through the mail on by phone. I have been trying to work out this loan since XX/XX/XXXX.
Thank you nfor you help, XXXX XXXX | null | CARRINGTON MORTGAGE SERVICES, LLC | NC | 28,467 | null | Consent provided | Web | 05/16/22 | Closed with explanation | Yes | null | 5,567,217 |
03/25/22 | 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 | LoanCare, LLC | FL | 34,744 | null | Consent not provided | Web | 03/25/22 | Closed with explanation | Yes | null | 5,367,805 |
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 | U.S. BANCORP | IL | 62,258 | Servicemember | null | Phone | 04/05/22 | Closed with explanation | Yes | null | 5,411,716 |
03/24/22 | 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 | 22,124 | null | Consent not provided | Web | 03/24/22 | Closed with explanation | Yes | null | 5,359,049 |
Subsets and Splits