Date received
stringclasses 363
values | Product
stringclasses 1
value | Sub-product
stringclasses 6
values | Issue
stringclasses 10
values | Sub-issue
float64 | Consumer complaint narrative
stringlengths 23
31.2k
⌀ | Company public response
stringclasses 10
values | Company
stringclasses 699
values | State
stringclasses 58
values | ZIP code
float64 603
99.9k
⌀ | Tags
stringclasses 3
values | Consumer consent provided?
stringclasses 4
values | Submitted via
stringclasses 5
values | Date sent to company
stringclasses 364
values | Company response to consumer
stringclasses 5
values | Timely response?
stringclasses 2
values | Consumer disputed?
float64 | Complaint ID
int64 5.3M
6.67M
|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
07/07/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | 21ST MORTGAGE CORP. | NY | 14,617 | null | null | Referral | 07/08/22 | Closed with explanation | Yes | null | 5,748,573 |
03/16/22 | Mortgage | FHA mortgage | Trouble during payment process | null | I closed on a refinance with XXXX XXXX. The amount on my closing disclosure for my monthly payment is {XXXX}. My first statement with them is {XXXX}. It was sold to Flagstar Bank and my first statement from them is {XXXX}. They claim that is the amount they received on the closing disclosures, which is not what I signed to pay. My escrow balance is all of a sudden less as well. XXXX has my balance as {XXXX} and Flagstar has {XXXX} with no payments out. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Flagstar Bank, N.A. | MA | 2,571 | null | Consent provided | Web | 03/16/22 | Closed with explanation | Yes | null | 5,329,948 |
04/12/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I have been having all types of problems with Navy Fed for since XXXX. I first stated when my husband at the time stopped paying he mortgage in XX/XX/XXXX and I was not told until XX/XX/XXXX. I asked why did they not tell me he stopped paying and was told they had no information on me to contact me. I said I have another mortgage 3 checking and saving accounts and a credit card what do you mean you have no way to contact me. Then I called and asked could I have a mortgage if you had no way to contact me no personal information and was told no. So how was this mortgage still active if they had no info on me I signed that Mortgage just like my husband an They began taking money from my checking account without telling me and when I asked I was told that is in my mortgage contract that they can take money when it was old. I told them I can't pay for me rental property for you keep taking the money for this property and I was told I would have to figure something out I said like what. They stopped taking the money out of my account so I thought he had started paying but now they want to foreclose on me rental property. Ok now I'm going through lost mitigation. I turn in all the paper work and check to make sure they have everything because my father has XXXX and I had to go to CA. to check on him. I was told everything was good so I left. Now I'm in LA getting letters stating that they closed my case for missing infor. I call and they are miss infor on my health insurance, I go in to the branch and they call, I have 60 days to give all info so why did they close. No were are starting all over. The branch calls again stating we don't need heath insurance and you have 3 years of statements and it is clearly on the statements I can see it. No we go on and they stop again because they say the house is empty. We call again, they have a copy of lease agreement so how are you saying it is empty that is part of the information asked for as part of the application. Now they are saying they called me and I told them that. I said no ever called me and I did not tell anyone that. Tell me who called me and when. To this day no one has ever given me this information. No I file for bankruptcy and it is going good. I call Navy Federal every month to a cashiers check for my so I have proof that I am sending the money. In may I get a letter from the bankruptcy court saying that my case has been demised. I call my lawyer to. find out why and was told call the bank to make sure that they sent the payment. I did and they did not sent the check. I call and asked to send one amount and I changed the amount and was told y couldn't change it they had to make another one so he did. Well he canceled one and never made another so a check never got sent. I told them to call my lawyer and the bankruptcy court, the did but they did not reinstate it. No her we are going through lost mutation again. I put in 3 different applications XXXX, XXXX, XXXX. I kept asking why I'm having to keep putting in applications and was never told. I was told it would not be excepted because the house was empty I said I was staying there because my house was damaged by Florence again no one went out to check because if they did they would have seen. I was told to send a letter and I did. Now they are saying that {$1500.00} a month was not to pay {$400.00} a month rent. At the time I had about {$5000.00} in my checking account and was told that that money would be taken into consideration but is was not. I got a letter dated XX/XX/XXXX on the XXXX of XXXX saying I was not approved because the house was empty and I did not make enough. I took the letter in to Navy Federal and spoke with XXXX and sent sent a copy of the letter and proof that I got the letter on the 12 by the post mark. MY lawyer called me and told me don't worry you have a 10 period to appeal and XXXX told me that to so I did. I give it to XXXX to sent in and she did. well 10 days went by I heard nothing so I called and was told WHAT ARE YOU APPEALING WE SOLD YOUR PROPERTY. In my mind how can you see it before I'm allowed my 10 days to appeal since this is a law. No one has explained that to this day either. I keep bring all this up, the last time XXXX a manage in lost mutation said there were a lot of things going on that are not rules no Navy Fed that should not have happen and she needs to investigate. On person called me and she was the person that stopped it because she had no health insurance and the one that had my lease agreement, she told me it was her case. I call XXXX that she had to get someone else. That's the last thing done and that was 3 years ago. I called XXXX many times she could never take my calls so I started calling her boss and the first time she was on the phone and would call me back and that never happened so I kept calling her and noting.
Now this the main house I got put on a program in XXXX but because of the pandemic everything got put on hold. XXXX XXXX put out all this new guide lines no foreclose no late payments and so. Navy fed was still sending me letters telling me I was in default so I called and was told they miss be a mistake I'm good. time is going by I'm not hearing anything. now I'm suppose to get a check from my insurance but they are saying I can't have the check because I'm in foreclosure I'm sayin I'm not on on the lost mitigation put me on a program. I Call lost mitigation and was told I'm on the forbearance program and I should be getting letter. I said I have not been getting any letters and she said I'm sorry you are on the pandemic program and everything is good. She call the mortgage department got everything straight and I got my check. That was the last time I heard form any one. No has given me a state date for payment or contacted me telling I'm late nothing. Again the mortgage is sending letters telling me I need to apply for a forbearance program with lost meditation so I sent them a copy of the letter stating on a program and the letters stopped. No there lawyers are sending letters telling prices of forecloses. I just don't know what to do no one is giving me instruction. I called XXXX XXXX and was told that they should be sending information regarding me on the program and they can not take me off without telling me. | Company believes it acted appropriately as authorized by contract or law | NAVY FEDERAL CREDIT UNION | NC | 28,540 | Older American | Consent provided | Web | 04/12/22 | Closed with explanation | Yes | null | 5,436,543 |
03/16/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | CARRINGTON MORTGAGE SERVICES, LLC | FL | 32,065 | null | Other | Web | 03/16/22 | Closed with explanation | Yes | null | 5,329,246 |
03/25/22 | 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 | NJ | 8,094 | Servicemember | null | Phone | 03/25/22 | Closed with explanation | Yes | null | 5,366,351 |
04/29/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I asked Truist bank to remove PMI from my mortgage as I have an appraisal - they initially said I would need to do a refinance to remove PMI ( which I know is not true ). They have been charging me {$72.00} since I called for my PMI. My loan to value from my appraisal is below 65 % and they have not removed my PMI.
Truist bank now says they are " reviewing '' a request that was submitted on a date I do not recognize and while I wait they are still charging me PMI.
When will PMI be removed from my loan as I am paying {$870.00} per year for nothing? Why would they take that money from me if my loan to value is well below 80 %? | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | NC | 28,078 | null | Consent provided | Web | 04/29/22 | Closed with explanation | Yes | null | 5,517,048 |
03/10/22 | 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 | SD | 57,769 | null | null | Phone | 03/10/22 | Closed with explanation | Yes | null | 5,307,616 |
05/17/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Upon receipt of the Escrow Shortage notice we paid the amount of {$530.00} and that payment was sent to Mr. Cooper. Special note- the notice DID NOT have a mailing address listed on the notice so we called to get the mailing address nor did the notice indicate the borrower could make a payment to clear up the shortage. This is poor communication from Mr. Cooper.
We made the normal payment of {$670.00} for the XX/XX/XXXX payment.
About XX/XX/2022 we phoned Mr. Cooper to ensure that they had received the escrow shortage and that it was properly placed into the escrow bucket. Upon discussion, we noted that we sent the normal payment of {$670.00}. Nothing from the agent on the phone was mentioned as to a payment increase. Also we were told that the payment would not change.
We now have a billing statement showing the receipt of the both the escrow shortage and XX/XX/XXXX payment. However, the amount due is more than the normal payment of {$670.00}. We phoned Mr. Cooper again on XX/XX/2022 to inquire about he increase of the monthly payment. We were told the increase was due to insurance and taxes. The increase is {$32.00} per month or {$380.00} per year and there is a reduction of taxes due to age for this property. We were told by Mr. Cooper could not send a new Escrow Payment Notice so we could see why there is an increase in the escrow.
We asked that our call be escalated to a supervisor because we want to see the calculations used by Mr. Cooper for any increase. We spoke with agent XXXX # XXXX We are sending the normal payment of {$670.00} for the XX/XX/XXXX payment and will need the updated Escrow statement to analyze why Mr. Cooper feels the new payment should be more than {$670.00}.
This borrower is on a fixed income and needs to ensure any increases are legitimate.
Thank you | null | NATIONSTAR MORTGAGE LLC | CO | 80,124 | Older American | Consent provided | Web | 05/17/22 | Closed with explanation | Yes | null | 5,570,541 |
04/10/22 | Mortgage | Other type of mortgage | Struggling to pay mortgage | null | null | null | Capital Benefit, Inc. | CA | 92,677 | null | Consent not provided | Web | 05/26/22 | Closed with explanation | Yes | null | 5,429,420 |
03/16/22 | 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. | NJ | 8,102 | null | null | Postal mail | 03/16/22 | Closed with explanation | Yes | null | 5,331,791 |
06/09/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | In XX/XX/2022 I requested to have my home appraised in hope to remove PMI. I was informed that I would receive a call in 7-10 days to set up an appraisal. In XXXX I called back and was informed that it was taking longer than normal due to high request. I was also informed that I could rerequest an appraisal and not have to include the home improvements for removal of PMI ; so another request for was done and I was informed this would not delay the appraisal any longer. A few days later I received a call and my home was appraised in XXXX. I was informed by the appraiser that all documents were submitted and I should hear from my lender. A week later I called Mr.Cooper and informed that they have not received anything yet. Several calls made after and it was explained that first the investor ( XXXX XXXX XXXX reviews the appraisal and then sends it to Mr. Cooper and still they havent received anything. In XXXX I Was informed the process then would take up to 45 days from the time of the appraisal and still they had not received it. Then later in XXXX was told that it was received and that Mr.Cooper was reviewing however I should call back in about a week. Then I called back which was now XXXX to be told this time that they hadnt received anything about the appraisal and they would have the back up/ research department look into it. Then a few days later I receive a call from an appraiser requesting to come do another appraisal on my home. So this prompt me to call Mr.Cooper. Was then told that they didnt see anything regarding a request for another appraisal. I asked to speak with a supervisor and was told there was no one I could speak with and that they would schedule a call. I never received a call back from the supervisor when I was informed it would be. I called Mr.Cooper back and this time was told that a second appraisal was being requested because the first appraisal was refused. No one can provide clarification why and I cont. to pay PMI at their expense. Mr Cooper is delaying my right to remove PMI | null | NATIONSTAR MORTGAGE LLC | SC | 29,488 | null | Consent provided | Web | 06/09/22 | Closed with explanation | Yes | null | 5,648,450 |
04/25/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I recently paid off my mortgage with Mr. Cooper ( dba nationstar mortgage ). I was told by the loan representatives I needed to pay a {$25.00} loan payoff processing fee in order to receive a pay off amount to pay off the loan. The pay off amount was supposed to be good for 30 days. So I paid the fee. When I received the the pay off quote, it was tens of thousands of dollars off and only good for one daynot the 30 days as they indicated on their website! Completely inaccurate!! It indicated my pay off amount was {$26000.00}. The actual amount owed was {$1300.00}.
So why was the {$25.00} fee required?
It appears to me that I just needed to overpay the loan and would have been reimbursed the difference.
I have repeatedly asked for a reimbursement of the {$25.00} through written emails to no avail. As a matter fact they stopped responding to my requests. I was misled to believe that this fee needed to be paid in order for the mortgage to be paid off. Additionally I had over-paid the pay off and I have requested an accounting for the difference between the overpayment in the actual amounts. While a check was sent, the details were not shared with me.
I have attached the pay off quote and associated correspondence with the Mr Cooper mortgage company. | null | NATIONSTAR MORTGAGE LLC | CA | 91,604 | null | Consent provided | Web | 04/25/22 | Closed with explanation | Yes | null | 5,490,454 |
03/23/22 | 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 | Flagstar Bank, N.A. | MI | 49,245 | null | null | Phone | 03/23/22 | Closed with explanation | Yes | null | 5,357,392 |
05/24/22 | 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. | NY | 10,030 | Servicemember | Consent not provided | Web | 05/24/22 | Closed with explanation | Yes | null | 5,595,800 |
06/08/22 | Mortgage | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | null | About three weeks after we signed a purchase contract in XXXX, XXXX for a XXXX XXXX house at its XXXX subdivision in XXXX, California the mortgage lender Loan Depot told us we must sell our present home we occupy.
We followed the right steps.
1.We inspected the XXXX XXXX XXXX and chose XXXX XXXX XXXX with a XXXX XXXX XXXX XXXX
2.We paid XXXX XXXX to hold a model until XXXX XXXX lender of choice gave us a preapproval letter so we could then sign a purchase contract.
3.We contacted Loan Depot because XXXX XXXX said it prefers to work with Loan Depot XXXX We emailed Loan Depot all of our paystubs, W2s, bank statements, credit authorization and what they asked for before they would give us a preapproval.
4.In an email Loan Depot asked us if we would sell our home before we purchase the new home. We said no because of the Covid virus we didn't want potential buyers coming into our home.
5.Loan Depot gave us a preapproval then we signed a XXXX XXXX XXXX contract.
6.Again three weeks later Loan Depot said we must sell our present home. | null | LD Holdings Group, LLC | CA | 92,336 | null | Consent provided | Web | 06/08/22 | Closed with explanation | Yes | null | 5,647,440 |
06/03/22 | Mortgage | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | null | I inherited three home equity loans from my father, XXXX XXXX XXXX, when he died on XX/XX/XXXX. I am amicably setting loans with two banks, XXXX XXXX XXXX and XXXX XXXX. But I have repeatedly hit a wall with Fay Servicing, which holds a home equity loan on my parents ' house at XXXX XXXX XXXX, XXXX, XXXX XXXX, loan number XXXX. Fay did grant me several loan forbearances, the last of which expired in XX/XX/XXXX. I have been in touch with Fay regularly since my father died, apprising them of my efforts to meet the loan obligation. I was being treated for XXXX XXXX XXXX in XXXX during the period my father got sick and died and for some time thereafter. Because the treatment made me very ill, I had to stop XXXX at XXXX XXXX The XXXX kept me on to XXXX XXXX XXXX but my income declined to about {$1000.00} monthly, so there was no way I could make monthly payments to Fay. I informed Fay of my original plan to sell my house in XXXX, Ma. in the spring of XXXX and pay off the loan in its entirety around the time the COVID forbearance expired. I subsequently became ill with XXXX XXXX, for which I was treated during a three-month stay at XXXX XXXXXXXX XXXX. Subseqent to that, I came to my parents ' house in XXXX, XXXX, intending to prepare it for sale, at which point I intended to pay off the Fay Loan. I wound up in the hospital in XXXX XXXXXXXX, XXXX for my XXXX again, and a XXXX was installed. I was in regular contact with Fay during this period, explaining the situation and requesting patience. I am now at my parents ' house, readying it for sale. But Fay has informed me that the home equity loan is now in excess of {$430000.00}. I found a Fay bill in my father 's papers from XXXX XXXX, XXXX showing the total amount of the loan outstanding then was {$330000.00}. The principal must have been even lower when he died, as he made regularly monthly payments between XXXX and XX/XX/XXXX. I called Fay dozens of times this spring to try to negotiate on the amount due and request a payoff document, but got nowhere. I finally wrote the lawyer for Fay and subsequently received a phone call from a vice president, XXXX XXXX, who said Fay would send a payoff document but would not budge on the amount due nor explain why the amount due has risen by about {$100000.00} since XXXX. I believe I acted in good faith with Fay over the past two years while dealing with extraordinary circumstances - my illnesses, my father 's death and the death of my mother on XXXX XXXX. I feel Fay should also act in good faith, taking into account my efforts to maintain communication and my good intentions regarding settling the loan. For the first time since my father 's death, I am no longer dealing with XXXX for a XXXX XXXX and am preparing to be able to pay off the Fay Loan entirely. I believe Fay should adjust the loan to the $ XXXX-plus figure. XXXX XXXX | null | Fay Servicing, LLC | NY | 10,506 | Older American | Consent provided | Web | 06/03/22 | Closed with explanation | Yes | null | 5,629,789 |
06/26/22 | Mortgage | Reverse mortgage | Closing on a mortgage | null | null | null | Ocwen Financial Corporation | FL | 34,951 | Older American | Consent not provided | Web | 06/26/22 | Closed with explanation | Yes | null | 5,710,547 |
06/16/22 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | NATIONSTAR MORTGAGE LLC | NJ | 7,079 | null | null | Phone | 06/16/22 | Closed with explanation | Yes | null | 5,679,241 |
06/15/22 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | In XXXX, I filed for divorce. In XXXX, I applied for my mortgage on my home. At the time, we were still legally married. I understand in the state of Florida, it being a spousal state, I had to have him sign my mortgage/ '' deed of trust '' and acknowledge that I was taking out the debt but he is not listed as a borrower nor is he on the recorded Warranty Deed.
Our divorce was uncontested, aside from custody. I have financial affidavits to show that he claimed his vehicle and debts, I claimed my vehicle, my home, and my debts. We did not fight for each other 's things, only argued custody.
I have also provided Shellpoint Mortgage Servicing with my divorce decree from a judge solidifying the magistrate 's write up on our divorce that we do not have rights to each other 's debts or personal property. Shellpoint stated that my home does not count as " personal property '' nor would they honor the verbiage stating my now ex husband has no rights to my debts as well. Shellpoint has stated several times that I needed to file a quit claim deed and remove my ex husband. My ex husband was never listed on the warranty deed, which is the only document I could file a quit claim on. They then changed their argument to " he needs to be removed from the deed of trust or we must have his signature on any modification you do on the home '' although we are divorced and have no legal rights to each other 's things. Also, they refuse to acknowledge that the lender is the only one who can change the mortgage paperwork/deed of trust now. I can not file any quit claim to remove him from those specific documents as they are not what matters, per the county and title companies, on who has rights to the home.
Shellpoint mortgage servicing also never informed me that my home was moved into foreclosure or was even in pre-foreclosure on any phone calls or emails between them and myself or my POC. I am also currently, continuously receiving statements while in foreclosure as well and Shellpoint was still attempting to collect money, on every phone call, while I was on a forbearance plan, prior to requesting the modification.
I was also informed by 2 employees at Shellpoint that they had a copy of my Title on file and that it stated my ex husband 's name on it. Both stated I could be provided a copy through customer service and that they would transfer me. Unfortunately, both employees chose to disconnect the call, rather than transfer me. Upon calling back and speaking to someone else, I was informed Shellpoint does not have a copy of my Title on file, so there is no way they could send me such a document.
My POC never escalated my calls, regardless of my request, to a supervisor. I was finally able to speak to someone after calling and requesting a supervisor 3 times.
I was also told by 2 separate employees that there shouldn't be an issue with me receiving my modification with my name alone on the documents, my ex husband not needing to sign it or be involved and that was denied as well.
It boils down to Shellpoint Mortgage Servicing is refusing to proceed with any modification on my mortgage, without the consent/signature of my ex husband. Who is a nonobligor, not on the Warranty Deed, nor is he a borrower to the loan, he has no legal rights per our court order or how the paperwork is written. | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | FL | 32,533 | null | Consent provided | Web | 06/15/22 | Closed with explanation | Yes | null | 5,676,265 |
06/24/22 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | My mortgage includes two lots of land. One where my home is located and one vacant lot next to it.
I started a partial release of the vacant lot with XXXX XXXX in XXXX.
XXXX then sold my mortgage to Freedom Mortgage in XXXX.
Now I have been working with Freedom Mortgage to get the partial release and one of the steps is to get an appraisal on the home and land. I paid {$570.00} as requested to Single Source for an appraisal on XX/XX/2022.
I then was told on XX/XX/2022 that the new price is {$770.00} for the appraisal. I did approve the new price as we have no other options as we need this for a partial release, but any reasonable consumer ( including myself ) considers this a UDAAP violation as well as bait and switch. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | WV | 26,187 | null | Consent provided | Web | 06/24/22 | Closed with explanation | Yes | null | 5,706,156 |
06/16/22 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | Chase Bank - Mortgage for Investment property.
Chase forced me to pay {$2300.00} in fraudulent charges before approving my mortgage on XX/XX/2022. The bank did not disclose that all collections charges ( even in the situations of identity fraud ) needs to be paid before they can approve a mortgage during the sales and approval process. Only before 10 days from closing date, they instructed me to pay one of the charges and provide dispute report for another charge. Then 1 day before closing, the mortgage team came back to me asking to pay the other charge, else they would not close the loan. They essentially held me hostage - either I pay for the fraudulent charge, or I let go my earnest money ( $ XXXX ) + appraisal fee ( {$550.00} ) + insurance fee ( {$450.00} ) and not close the house.
When asked about the related policy and disclosure document, Chase mortgage declined to provide the necessary document- they mentioned it got escalated to executive office, I never heard back from them. I know that there is no XXXX XXXX guideline for making all collections payment to get mortgage loan - I closed another investment property in XXXX, 2022 with a different financial services company and they did not require it- they just needed the dispute document. | null | JPMORGAN CHASE & CO. | MN | 55,364 | null | Consent provided | Web | 06/16/22 | Closed with explanation | Yes | null | 5,677,157 |
03/16/22 | Mortgage | VA mortgage | Trouble during payment process | null | null | Company believes complaint represents an opportunity for improvement to better serve consumers | NATIONSTAR MORTGAGE LLC | GA | 30,813 | Servicemember | Other | Web | 03/16/22 | Closed with explanation | Yes | null | 5,326,430 |
03/21/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | My mortgage was previously with SunTrust bank ( now Truist ) I made my mortgage payments in the same amount {$2300.00} using bill pay through XXXX XXXX each time and did not have any issues with payments being received or being allocated for more than a year. Then I was notices my payments for XXXX, XXXX, and XXXX were past due. I look at my bank statement and they were sent and received by SunTrust. My loan switched to XXXX mortgage company in XXXX so I paid my first payment that month to them no problem. They are showing I am in default for those XXXX payments and have been calling to collect the debt. I have opened numerous cases with SLS and sent my bank statements for each month with proof of payment. I have called XXXX more than a dozen times to check on the status of my case only to learn that it was never opened or was closed without my knowledge. I have been asked to provide the same bank statements over and over with no explanation of why the first time I sent it wasn't sufficient. I still receive calls daily from XXXX attempting to collect the debt because nothing has been noted in my account that I have a case against this and I have to explain the situation over and over with each new customer service agent I get. I have called SunTrust and they told me that for some unknown reason my mortgage payments for the three months in question were set aside into an unallocated funds account however I have gotten no answer on how to get that money correctly allocated. They refuse to communicate with my new mortgage company or refund the money. This has been going on since XX/XX/2021 and I have gotten no where with either company. I am terrified this is going to affect my credit and have spent hours on hold and on the phone with customer service representatives who can not get me answers and run me in circles asking for the same information over and over with no escalation of my case. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | VA | 23,451 | null | Consent provided | Web | 03/21/22 | Closed with explanation | Yes | null | 5,347,652 |
03/24/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | On about XX/XX/XXXX I mailed my payment to Freedom Mortgage. Around the same time I had received a notice my loan was being transferred to XXXX XXXX but the payment had already been sent. On XX/XX/XXXX I noticed the check had not been cashed. I called Freedom and was told the check would be returned to me and that I needed to call XXXX XXXX and make the XXXX payment there so I did. I then noticed on XX/XX/XXXX the check to freedom mtg had been cashed so I thought it would be transferred to XXXX XXXX for the XXXX payment. I called rocket mtg and they said payment for XXXX was due. I went ahead and made the XXXX payment with rocket mtg and then called freedom to find out what they did with the funds. They say we did not receive a check from you. I said yes you did and you cashed it. It has the stamp and title of the person in accounting that cashed it. The person said oh we have no record but that person does work here. I asked to speak to a manager, we went around again with the same answer. He said he filed a report and someone would call me in a day or two. This was on XXXX. Today is XX/XX/XXXX. Nobody has called me. I just called them again and went over the same thing. I was told to file a dispute and fax in a copy of the check they cashed. I dont have a fax but will get to XXXX since they wont allow an email. They have had my check almost 60 days and should have returned it or cashed it and transferred the payment to the new servicer. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | CA | 92,869 | null | Consent provided | Web | 03/24/22 | Closed with explanation | Yes | null | 5,364,786 |
03/14/22 | 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 | TX | 78,209 | Older American | null | Postal mail | 03/14/22 | Closed with explanation | Yes | null | 5,321,710 |
05/15/22 | Mortgage | FHA mortgage | Trouble during payment process | null | I was on a mortgage forbearance plan with Mortgage XXXX XXXX From XXXX of XXXX until XXXX of XXXX. When I opted to come out of the plan and start making mortgage payment my loan was sold to BSI Financial. On XX/XX/XXXX Mortgage XXXX XXXX sent over my new agreement to the company. Which was a new balance of XXXX, monthly payments of XXXX until XXXX XXXX at a 3 % rate. Well in XXXX BSI Financial sent me a bill for XXXX. I immediately called and explained that i signed a contract and if I previously owed XXXX due to the forbearance plan I no linger owe that amount. I was sent to the voice mail of XXXX XXXX ( who was over my file ) .Who assured me everything will be updated in the system once processing processes everything. After XXXX passing and still no update I called Mortgage XXXX XXXX and they advised me it shouldn't be taking BSI XXXX this long to update your new contract. So I called BSI Financial and left several voicemails for XXXX with no call backs. I was transferred to a customer service manager XXXX XXXX who assured me he would email XXXX and cc her manager XXXX XXXX who has yet to follow up with me as far as why hasn't my account been updated. Due to the lack of follow up and poor communication skills and the system reading the wrong information I have been scarred to make a payment. When I put my ego aside in XXXX and called to make a payment the rep advised me she couldn't take my payment due to the status of the loan and she then proceeded to forward my call to XXXX to make a payment but per usual she does not answer. I am hoping you all could potentially speak to someone higher up in the company so that my account can be updated. We are 5 months into the year and it should not take this long for them to update the amount I owe them. I am asking for all late fees they have on my account be removed due to their lack of processing and any payments that was supposed to start be placed to the back of the loan because they failed to update there system making me feel comfortable enough to make a payment. i did not feel confident that this company would forward my payments mad correctly once the system was updated and I did not want to put myself through any further headache or stress with this comoany | null | BSI Financial Holdings, Inc. | GA | 30,906 | null | Consent provided | Web | 05/15/22 | Closed with explanation | Yes | null | 5,562,702 |
03/19/22 | Mortgage | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | null | I own a home with 2 other occupants that are recognized as a civil marriage! I already have paid my third into the property at time of purchase and held title as tenants in common!
It was brought to my attention that XXXX and XXXX had applied for a debt consolidation refi and ask me to sign off for their loan!
We had a conversation to make sure that my third plus appreciation to the property would not be jeopardize as I did not have to get financing for a loan to acquire this property and paid out right with my cash and investment.
I agreed to their refi as this would put them in a better financial position!
XXXX and XXXX since scheduled closing and I asked questions and was uncomfortable due to their actions and abusive behavior and threats! Ive asked to get copies of documents and I got excuse of not be able to get it or they were busy and couldnt download it etc! I also went to the lender and assured me XXXX and XXXX refi doesnt infringe on my ownership my third!
I have text messages and threats regarding this loan! Including false accusations to the police department that then showed up at my property at the request of the two other property owners because I kept asking for documentation!
I finally got a copy of only one document of the deed of trust on Tuesday XX/XX/XXXX!
The language in it is very vague and misleading! Now I understand why this was being withheld from me and why such a circus and false statements! it was meant to be egregious!
Because of this act and language they are stealing my equity and assets that I put into the property! ( They is considered : XXXX, XXXX and Chase as they benefit from want they are trying to acquire in my portion in interest to this property ) This language is very much set up to benefits themselves and is not a normal practice by any financing Institution!
In this instrument the language that I had to have reviewed and came to the conclusion they are name me as a borrower and is obligated! How can I be a borrower if I didnt ever applied to be on the loan and than they want me to grant by portion of the interest to property that I already paid for!
This is extremely unethical and violations of mortgage fraud, RESPA, fair lending, and discrimination!
This language that was approved is extremely rare and who at Chase and XXXX XXXX the title company approved it! That needs to be looked into!
Why!
1. Consider this as a fair business practice 2. What was the reasoning for this consideration?
3. Did they do their due diligence to reach out to me or verify and that I even reviewed any documents?
I didnt even get the documentation until days after it was then already filed. Ive been asking and asking and asking!
This is 100 % violation of discrimination, abuse, coercion, lending fraud!!
Undoubtedly their had be a layer of management who had sign off on this deed to be approved!
I am talking about 100k of thousands of dollars that I have invested!
No thanks Chase I dont need to convey to your loan as I never applied for it! XXXX and XXXX misrepresented their loan application to what I think was to try to approved!
This is an extreme case that should have never be approved! | null | JPMORGAN CHASE & CO. | CO | 80,106 | null | Consent provided | Web | 03/19/22 | Closed with explanation | Yes | null | 5,343,302 |
06/13/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I received XXXX escrow shortage notices and have covered both. The company has not reflected coverage to the monthly mortgage payment. The first payment was sent XX/XX/XXXX, and the second was sent XX/XX/XXXX. The company, after XXXX separate customer support contacts, has not rectified this and insists on increasing my monthly payment. After each customer service engagement, I am unable to receive any kind of internal tracking or ticketing number, and I have been told to " wait an see on my next statement '', since XXXX. | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | HI | 96,753 | null | Consent provided | Web | 06/13/22 | Closed with monetary relief | Yes | null | 5,664,675 |
03/17/22 | Mortgage | Conventional home mortgage | Incorrect information on your report | null | Good afternoon. My mother and I refinanced her home with XXXX mortgage in XXXX of XXXX. The purpose of the refinance was to put my name on the loan and take over payments for her so she can free up her income for her retirement, The loan servicer was changed from XXXX to Ameri Home Mortgage in XXXX of XXXX. I received an email from XXXX about this change so on XX/XX/XXXX, I went to the Ameri Home Mortgage website and made XXXX mortgage payment, stored my bank account information, and set up Auto-pay. Under the assumption that XXXX ( second payment ) was on auto draft. I checked my credit on XXXX website a few days ago and there was a late payment notice by Ameri Home Mortgage that dropped my score by XXXX points. XXXX score from XXXX to XXXX!! It was clear that an auto draft was never made for XXXX. I was puzzled that there was no attempt to alert me via phone, email, or paper mail about a late XXXX payment. Immediately, I went online and submitted payments for XXXX, XXXX, and XXXX XXXX payments. I promptly called Ameri home Mortgage and spoke to a mortgage representative who could not help with the audit trail of the Autopay set up I did in XXXX of XXXX, but she did say there is a 90-day grace period when loans change servicers. She transferred me to Customer Service Department who she thought would be better suited to help with my Credit Bureau reporting dispute. I reiterated the entire scenario but was then put on hold and cut off. This credit impact during the transition stages of a new loan and change of mortgage servicing agent can affect my credit lines for my business. | null | AmeriHome Mortgage Company, LLC | NM | 87,114 | null | Consent provided | Web | 03/17/22 | Closed with explanation | Yes | null | 5,336,800 |
03/18/22 | Mortgage | FHA mortgage | Closing on a mortgage | null | I was not denied the mortgage loan but it is my position that the mortgage company-lender 's employees working on my loan used discriminatory practices and went through extreme unfair measures designed to discourage me from purchasing. I am a XXXX woman and met all the requirements for a FHA loan. The lender had no other option but to pre-approved my loan, in turn made this experience one of my worst experiences in life. Fair Housing Act protects fair lending rights but this experience has demonstrated another 's ability to try and circumvent the law by providing inferior service to discourage protected class buyers. After my earnest money was secured, the disrespect began. My application was passed between three different persons working in the lender 's office. I requested to speak to that one person handling and appraising my file and was told that person do not speak to potential buyers. In less than 30 days, I was bombarded with close to a hundred of emails from those three different individuals ; none protecting my personal or financial information which has landed on the Dark Web. My information has never been on the Dark Web until now. Mid way into the process, I was told to have my home owner insurance agent send over the homeowner policy. My insurance agent did but the lender decided they wanted to give my business to a local insurance business owner associated with them and had a policy created by their choice insurance company without my permission. They contacted the new insurance company themselves, got a quote, added it onto my loan documents then emailed me asking if I mind after the fact. I have never spoken to this insurance company and have no idea who they really are.There were so many aggressive solicitations of adverse terms that let me know for sure I was being discriminated against but the one that stood out the more that all others was the DAY BEFORE closing. The lender called me and asked me to provide a copy of my college transcript. It was shocking to believe the lender was still ( working on approving my application ) and still trying to disqualify me all the way up to the last day. I was openly offended. The lender insisted that it was important that I provide my college transcript immediately if I wanted to close the next day. The lender said they had contacted the university before contacting me. The lender asked for my university log in information and said they would log in for me to get my transcript. I did not give my log in information to the lender but I was able to get the transcript myself and email it to them before their cut off time of XXXX. Ironically with all the calls, voice mails and emails, the lender failed to provide me with anything fair or beneficial causing the closing attorney to issue me a refund check at the closing table after wiring {$16000.00}. The lender told me '' just wire {$16000.00} '' which was {$1300.00} more than the actual amount. What would have been fair, impartial and respectful is the lender take the same time, effort and energy, they had used to try and disqualify me, to provide me with information beneficial to me. Instead I got inflated closing costs, forced to provide my credit card information ( that they failed to protect ), additional cost charged to my credit card and on the day of closing presented with loan terms that was changed without my consent. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | EQUITY LOANS LLC | GA | 30,114 | null | Consent provided | Web | 03/19/22 | Closed with explanation | Yes | null | 5,340,986 |
04/21/22 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | null | null | SELECT PORTFOLIO SERVICING, INC. | GA | 30,033 | null | null | Phone | 04/21/22 | Closed with explanation | Yes | null | 5,479,338 |
03/23/22 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | Flagstar Bank is the worst financial institution and should not be in business. I started this process to refinance an exiting loan with Flagstar in XX/XX/XXXX. It has has been over six months! This process is no closer to closing this out and going on month seven!
As of to date, XX/XX/XXXX, the loan still has not been processed or finalized. Im working with my third loan processor and have been asked to resubmit all of the information I have previously provided plus more as if Ive never submitted any information. The loan processor/ supervisor, while very nice and the reason I elected to refinance with Flagstar , has not been monitoring my file nor provided any resolution. I contacted the customer service line and never received call back or resolution. I made several attempts to ask for a manager to call me back and still have not heard from anyone!! My experience with this company is unbelievable and has been unprofessional.
Im a professional with minimal debt, great credit and should never be treated or made to feel less than. I learned that the underwriter assigned to my file has spent the last six months or more excessively questioning my file, asking for several documents ( that I have provided with no delays and in access of what has been asked ), and scrutinizing my file based on a what I believe to be a bias - questioning my low monthly gas bills. This is ridiculous and uncalled for and an attempt to suppress consumers by frustration and dissuasion.
Flagstar has and continues to waste staff time, money AND my time, money and energy! Im at a loss. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Flagstar Bank, N.A. | CA | 90,732 | null | Consent provided | Web | 03/23/22 | Closed with explanation | Yes | null | 5,359,005 |
06/27/22 | Mortgage | FHA mortgage | Trouble during payment process | null | I had damages to my home and my insurance co sent a check for the repairs but had my name and my mortgage company name ( XXXX XXXX XXXX ). The check was sent to mortgage company on XX/XX/XXXX. No one called me from the mortgage company until I heard from the contract and we reached out to the mortgage company on XX/XX/XXXX and was told to email the documents over. I called back the next day and was told they never got it and to fax it over er XXXX. Never heard anything back so I called on XX/XX/XXXX and spoke with XXXX and she said they never got the forms ( W9 and insurance estimates and apologize and asked that i fax it to her. She said that she would get the check escalated and overnighted to contracted on that Monday XX/XX/XXXX. I waited and waited and the contracted never got the check so I called today XX/XX/XXXX and spoke to XXXX and he said that no other calls have been recorded and the information that I faxed and emailed to get my check endorsed they have and now he is telling me that he has to start the process again. I am an elderly lady and this is killing my nerves. He is also telling me that I have to have an inspection that will take another week or 2 before they release the check. I need HELP. Please call me at XXXX.
Thank You | null | Southwest Stage Funding | SC | 29,670 | null | Consent provided | Web | 07/13/22 | Closed with explanation | Yes | null | 5,714,193 |
05/27/22 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | XX/XX/XXXX To Whom It May Concern : Starting XXXX of XXXX, I took advantage of the Covid Relief plan available through XXXX XXXX. During this time my payments were suspended with the understanding that the payments would be shifted to the end of the loan. In XXXX of XXXX, XXXX XXXX sent me a letter that stated I could modify my loan to 40 years instead of 30 years and that would bring my loan up to current. I took advantage of that offer and went to the XXXX and XXXX location of XXXX XXXX in XXXX, VA and signed appropriate documentation. On XX/XX/XXXX I was notified finally that Specialized Loan Servicing was taking over my loan from XXXX XXXX and my payments on my mortgage from XX/XX/XXXX to XX/XX/XXXX were being held while this problem was sorted out. I have reached out and spoken to a Loan Counselor, Mortgage Specialist and Lawyer about how to handle this situation. Finally, I was able to get through to Specialized Loan Servicing by phone on XX/XX/XXXX and the man on the phone reminded me that it was a recorded line and told me to download the Mortgage Modification Form and fill it out and send it back because the XXXX XXXX Modification had not transferred or been processed correctly. I would love to get this sorted out, I want to keep my house and I am able to make payments now as I have exhibited since the end of my forbearance with XXXX XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Specialized Loan Servicing Holdings LLC | VA | 23,238 | Servicemember | Consent provided | Web | 05/27/22 | Closed with explanation | Yes | null | 5,617,126 |
07/29/22 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | null | null | Shellpoint Partners, LLC | RI | 2,905 | Older American | null | Phone | 07/29/22 | Closed with monetary relief | Yes | null | 5,822,875 |
07/21/22 | Mortgage | VA mortgage | Trouble during payment process | null | XXXX to present. Guild Mortgage has issues with releasing held insurance funds so we can rebuild our home after a disaster we have supplied ALL receipts for all costs, taxes, permit fees, school taxes and to date repair costs In 2020 my home completely burned down in the XXXX XXXX. I have never missed a mortgage payment and my credit score is an XXXX, We owe {$320000.00} on my note and property value is {$780000.00} according to XXXX.
my insurance company has sent {$610000.00} to my lender of which my lender has released only {$220000.00} leaving {$380000.00} in the repair account.
Now we have spent {$290000.00} that includes {$61000.00} of our own money and guild will NOT release any more of OUR money which i need to continue my rebuild.
now guild has some convoluted formula for releases but the point is they are holding {$63000.00} more than is needed to pay off the note which is va guaranteed.
We have submitted ALL BILLS to guild to show that we are acting in good faith that with our payment history and credit score they need to release money so we can continue to rebuild. | null | Guild Mortgage Company LLC | CA | 93,591 | Older American, Servicemember | Consent provided | Web | 07/21/22 | Closed with monetary relief | Yes | null | 5,796,918 |
04/16/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Our taxes on our primary residence got lowered so we got a lump sum check back from the county tax collector. We sent the extra money into the bank to credit our escrow account. But somehow they didn't | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Flagstar Bank, N.A. | SC | 29,576 | null | Consent provided | Web | 04/16/22 | Closed with explanation | Yes | null | 5,455,104 |
04/06/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | M&T BANK CORPORATION | GA | 30,038 | null | null | Referral | 04/06/22 | Closed with explanation | Yes | null | 5,415,412 |
03/16/22 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | Home loan transferred servicers during the home sale closing period. Purchaser title agency wired mortgage payoff amount in the period of XX/XX/XXXX - XXXX, {$300000.00} including 7 days per diem interest, to loan transferrer ( XXXX XXXX ) on XXXX. Loan transferrer then sent the funds to transferee Mr. Cooper and funds were received XXXX. Mr. Cooper sat on the funds for an additional 5 days ( XXXX ) then requested more funds on XX/XX/XXXX. {$370.00} in interest fees and {$64.00} for a late fee. Requested additional funds were wired to Mr. Cooper to avoid additional interest fees and delaying the home sale closing process. All parties paid funds on time therefore there should be no additional interest or late fees. | null | NATIONSTAR MORTGAGE LLC | WA | 98,051 | null | Consent provided | Web | 03/17/22 | Closed with explanation | Yes | null | 5,331,992 |
06/15/22 | Mortgage | FHA mortgage | Problem with a credit reporting company's investigation into an existing problem | null | I have requested a goodwill adjustment from my mortgage company so they can remove late payment status on my credit reports. On my XXXX, XXXX, and XXXX credit reports I am showing late payment status ' for the periods : XX/XX/XXXX and XX/XX/XXXX. I have sent letters and faxes all on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In each letter, the response from the mortgage company has been " they will get back to me shortly ''. But I never receive a follow-up from anyone at the mortgage company which is why I continue to send a letter and a fax each month.
I have been in good standing and making my mortgage payments on time since XX/XX/XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | PA | 19,138 | null | Consent provided | Web | 06/15/22 | Closed with explanation | Yes | null | 5,669,298 |
03/21/22 | Mortgage | FHA mortgage | Closing on a mortgage | null | Having graduated with a XXXX XXXX, I've taken time to reconcile payments made to Ocwen vs the A/R provided. What I discovered will be missing payment from XXXX thru XXXX on the XXXX mortgage. Please provide a complete record of all payments made on account # XXXX from XXXX thru XXXX. Should you have additional questions, please feel free to contact me.
XXXX mortgage is being address by the DOJ.
Thank you for your prompt attention.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( home ) XXXX ( cell ) | null | Ocwen Financial Corporation | TX | 78,240 | Older American | Consent provided | Web | 03/21/22 | Closed with explanation | Yes | null | 5,348,366 |
03/11/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Amerihome Mortgage The amount I am being charged for property taxes is XXXX per year, when the actual property tax amount is around XXXX. This is a new loan that was originated in XX/XX/XXXX. I have requested an escrow analysis to be done, and I was told multiple times that it WAS done, but now Amerihome is saying they have one scheduled for XX/XX/XXXX and will not complete one before that, even though I have provided them with the XXXX tax bill for the property that shows the actual amount. I have called multiple times, and keep getting a different answer each time I call. If it was a few hundred dollars, I would not be concerned, but this is a major overage of approximately XXXX per year.
I can provide more details if needed.
Thank you, | null | AmeriHome Mortgage Company, LLC | WA | 98,058 | null | Consent provided | Web | 03/11/22 | Closed with explanation | Yes | null | 5,318,432 |
03/11/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | My mortgage has changed hands multiple times and is currently serviced by NewRez. I have always had my mortgage payments on auto-pay and no issues with payments being on time. My XXXX score on XX/XX/XXXX, was XXXX.
I started making inquiries in XXXX, XXXX, regarding refinancing my mortgage loan. I had reached out to XXXX and started the refinancing process.
In XXXX, XXXX, without my knowledge or consent, NewRez took my account off auto-pay and put me on a forbearance program. I was made aware of this in XX/XX/XXXX, when they sent me a letter regarding their approval of my forbearance program.
I called them immediately, and let them know I had not requested a forbearance program, to put my account back on auto-pay. I paid them both XX/XX/XXXX and XX/XX/XXXX 's payments.
I was assured that I would not be penalized, nor would it impact my credit rating.
On XX/XX/XXXX, I received an alert that my credit score had been impacted and had dropped XXXX points from a XXXX to a XXXX. I reviewed the reason behind my score decrease to discover that NewRez, despite their assurances that it was their mistake, and my credit rating would not be impacted, had reported my XX/XX/XXXX payment as 30 days overdue almost 1 year later. I have tried to resolve this with NewRez and have yet to receive a response from a live person who can resolve this. | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | MD | 20,903 | Older American, Servicemember | Consent provided | Web | 03/11/22 | Closed with explanation | Yes | null | 5,315,999 |
04/04/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | PLANET HOME LENDING, LLC | NY | 11,234 | null | Consent not provided | Web | 04/04/22 | Closed with explanation | Yes | null | 5,406,064 |
03/11/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I mailed XXXX payment on XX/XX/XXXX, due XX/XX/XXXX. I noticed all other checks mailed that day cleared my checking account except for mortgage payment. I called BSI Financial Services on XXXX at XXXX P.M. XXXX to find out if they had received payment and it was in processing yet. I was told payment had not been received and that I needed to make payment over phone to ensure it would not be late and have fees applied. That evening I did make a phone payment for the amount due of {$1000.00} plus {$500.00} principal. A couple of days later I checked to see if phone payment went through and noticed that the check that I wrote on XXXX cleared my bank on XXXX, the same day I called to see if they had received it and was told no. I do not believe it is possible to have received my check, process, submit for payment, and clear my bank on the same day after I called at XXXX P.M. XXXX. The phone payment cleared 2 days later and did not include the extra principal payment that I authorized over the phone, incorrect amount. It was clear from bank records that check cleared first. I believe I was INTENTIONALLY lied to in order to induce a second payment in an attempt to SLANDER my credit. I called BSI several times in an attempt to understand but not given any real answers. I asked to speak to a supervisor on several of these calls and was transferred to answering machine with messages never replied to. I am filing this complaint because these calls have been ignored and I feel there is no other recourse. BSI Financial does not seem to be a reputable mortgage servicer.
P.S. BSI Financial recently purchased my loan from my previous servicer, about 3 months, and I am always on time with extra principal payment. | null | BSI Financial Holdings, Inc. | CO | 80,031 | null | Consent provided | Web | 03/11/22 | Closed with explanation | Yes | null | 5,309,275 |
06/16/22 | 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 | Freedom Mortgage Company | TX | 76,016 | null | Consent not provided | Web | 06/16/22 | Closed with explanation | Yes | null | 5,676,578 |
03/14/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Caliber Home Loans, Inc. | CA | 92,612 | null | Consent not provided | Web | 03/14/22 | Closed with explanation | Yes | null | 5,321,493 |
03/21/22 | Mortgage | Reverse mortgage | Struggling to pay mortgage | null | null | null | Ocwen Financial Corporation | MA | 2,790 | null | Consent not provided | Web | 03/21/22 | Closed with explanation | Yes | null | 5,345,592 |
05/17/22 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | null | null | NATIONSTAR MORTGAGE LLC | NJ | 7,036 | null | Consent not provided | Web | 05/17/22 | Closed with explanation | Yes | null | 5,569,413 |
06/16/22 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | I had a loan with BB & T ( now Truist ). Loan # is XXXX. The property address is XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX.
I moved from XXXX XXXX to XXXX on XX/XX/XXXX.
The loan was paid off on XX/XX/XXXX and I am entitled to a escrow refund check in the amount of {$3000.00} which I have not received. I have made 8 calls since XXXX till today, XX/XX/XXXX, following up with them and providing my most recent mailing address twice which is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
During all my calls I have received assurances that the case has been escalated to supervisor and refund check will be issued but I have not received it. In order to make their process efficient I have also advised them to directly wire the refund to my checking account on file.
I think the time I have invested in following up accounts for more than the amount of refund check.
I look forward to receiving your assistance in this matter. Should you need to contact me my cell number is XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | MO | 63,043 | null | Consent provided | Web | 06/16/22 | Closed with non-monetary relief | Yes | null | 5,675,962 |
03/16/22 | 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. | NY | 11,570 | Older American | null | Phone | 04/21/22 | Closed with explanation | Yes | null | 5,328,828 |
05/04/22 | 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 | 33,428 | Servicemember | Consent not provided | Web | 05/04/22 | Closed with explanation | Yes | null | 5,536,356 |
03/19/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Mr. Cooper has done numerous things with my escrow account to basically steal money out of it w/o merit then increase my shortage amount to very high amounts. I was able to resolve several of the issues after months of formal complaints and letters form legal counsel threatening of lawsuits but there is still one major issue they refuse to address and just lie about week over week and month over month.
Mr. Cooper took out {$7700.00} from my escrow w/o checking with me on amount and paid to the county for taxes. I don't know how they came up with that number as the amount owed to the county was always {$7200.00}, which is what the county always had. Mr. Cooper came up with this figure erroneously. I immediately flagged this to them last XXXX when it happened and as you can see after 20+ attempts to be resolved they refuse to give back the money. I have been told its being worked on, its been submitted, its been this and that- all XXXX Other then feeling robbed by this evil company my mortgage payment has gone up over the past 6 months bc of their error as I have had a shortage in my escrow fund- 0 fault of mine and 100 % of this company.
This is totally unacceptable and hoping not only to have my situation resolved by that a very thorough audit is done against this corrupt company. | null | NATIONSTAR MORTGAGE LLC | TX | 75,035 | null | Consent provided | Web | 03/19/22 | Closed with explanation | Yes | null | 5,342,298 |
05/16/22 | 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 | 54,901 | null | Consent not provided | Web | 05/16/22 | Closed with explanation | Yes | null | 5,565,530 |
04/21/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Our mortgage servicing company Loancare performing fraudulent practices. After we sent payment deferment agreement, I called to pay out escrow account which was created unlawfully and the company applied payment to 2 months which were in forbearance and later were included in deferment agreement. Nobody in the company is willing to resolve an issue.
Also we are not able to make payment online. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | LoanCare, LLC | MO | 65,616 | null | Consent provided | Web | 04/21/22 | Closed with explanation | Yes | null | 5,479,564 |
05/13/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | United Shore Financial Services, LLC | TX | 77,095 | null | null | Referral | 05/16/22 | Closed with explanation | Yes | null | 5,565,939 |
04/25/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Specialized Loan Servicing Holdings LLC | CA | 95,301 | null | Consent not provided | Web | 04/25/22 | Closed with explanation | Yes | null | 5,494,871 |
07/27/22 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | Company believes it acted appropriately as authorized by contract or law | Cornerstone Home Lending Inc. | CO | 80,019 | null | Consent not provided | Web | 07/27/22 | Closed with explanation | Yes | null | 5,813,964 |
04/13/22 | Mortgage | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | null | null | null | JPMORGAN CHASE & CO. | TX | 77,406 | null | null | Postal mail | 04/13/22 | Closed with explanation | Yes | null | 5,443,625 |
04/07/22 | Mortgage | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | null | The Bank of America ave us a schedule of payments and then they changed them by sending monthly notices shown different amounts. Sometimes they were higher and sometimes lower.We always paid the scheduled amount. As a result in some cases we underpaid and some we overpaid The overpaid money went to pay down principle and the underpaid amounts were given a late charge. We paid all these extraneous over charges separately. We want back the amounts paid to principal immediately and while they keep sending us statements I have no proof that they returned the money to me that was used to pay down principal. Because of this I may not have enough money to pay the regular mtg payment Thank You | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | NY | 11,514 | Older American, Servicemember | Consent provided | Web | 04/07/22 | Closed with monetary relief | Yes | null | 5,420,108 |
06/09/22 | Mortgage | FHA mortgage | Trouble during payment process | null | XXXX refused to provide me with a copy of bank statements and mortgage statements. After online act, system asked me for a code, I accidentally closed it from my phone. Went back online at least 10 times & received error message " We are unable to complete your request. Please call us at XXXX to confirm your identity '' I called the number as I can provide phone records, at least 8 times. Its a failed system, all reps transfer you back to the same dept XXXX. They leave you on hold OVER 30 min and I got disconnected, a system SET UP TO FAIL. I called the wrong dept as this is how I was able to get a live person in requesting for statements but gor apply for mortgage dept, I spoke with XXXX as she asked me : WHY do I need statements '' I said its none of your business and you have NO RIGHT TO ASK ME the reason and out of compliance. CFPB, WHY does this bank think they can say whatever they want and continue to violate my rights? Is it because you ALLOW them to? Do I need to file a complaint against CFPB? WHY do I have to spend HOURS to get statements that I have every right to request for. WHY? XXXX transferred me after full verification along with having access to my personal act info, after on hold again and she then hung up and never called back. TODAY XXXX AGAIN SAME EXPERIENCE, spoke with XXXX and XXXX as she hung up after requesting copy of statements, she was well aware how I was getting the run around back to XXXX #, they transfer you to XXXX same recordings just a different no, this is the intentional game they play. I even informed her that I WOULD file a complaint with CFPB, as XXXX thinks that this is a game. Refusal to assist and I feel they need to apply {$500.00} to my checking for refusing to assist me. -HOW MANY HOURS AND DAYS TO I NEED to spend to get copies of statements? | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | TX | 75,067 | null | Consent provided | Web | 06/09/22 | Closed with explanation | Yes | null | 5,652,069 |
03/17/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | MY ORIGINAL MORTGAGE PAYMENT STARTED AS {$4300.00} IN XX/XX/XXXX I PAID ON TIME EVERY MONTH UNTIL I RECEIVED ESCROW BILL FOR {$3300.00} XX/XX/XXXX.
I PAID IN FULL TO AVOID INCREASE IN MONTHLY MORTGAGE PAYMENT, SAID TO BE {$4700.00} OTHERWISE IT PAID, MONTHLY PAYMENT WOULD JUST BE {$4500.00}.
CHASE MISTAKENLY CREDITED MY FULL ESCROW PAYMENT OF {$3300.00} PAYMENT TO PRINCIPAL INSTEAD OF ESCROW CHASE THEN STARTED 18 MONTHS OF THE FOLLOWING : MISSAPLIED /MISDIRECTED USE OF MY REGULAR ON TIME MONTHLY PAYMENTS CHASE EITHER APPLIED MY PAYMENTS AS UNDER PAYMENTS FOR THE MONTH UNNECCESARLY ADVANCED ESCROW APPLIED LATE FEES UNNECESSARILY DID NOT CREDIT INTEREST DID NOT CREDIT ESCROW DID NOT CREDIT PRINCIPAL OR OVER APPLIED PRINICPAL IN GENERAL CHASE CONTINUED TO MISAPPLY ALL MONTHLY PAYMENTS INTO MY ACCOUNT FROM XX/XX/XXXX THRU PRESENT THIS ACTION OF MISAPPLYING OF MY MONTHLY PAYMENTS CAUSED ME TO RECEIVE IN XX/XX/XXXX A PAST DUE NOTICE OF OVER 6K FROM CHASE, SINCE THEY HAD BEEN APPLYING ALL MY REGULAR MONTHLY PAYMENTS RANDOMLY INCONSISTENTLY. IN SOME MONTHS THEY WOULD CREDIT PRININCAL, SOME MONTHS JUST INTEREST, SOME MONTHS BOTHS, SOME BOTHS DOUBLE PRINCIPAL ETC...
THEY ALSO APPLIED OVER 2K IN LATE FEES OVER THESE MONTHS DUE TO THEIR ONGOING MISUES OF MY MONEY.
IT IS ALSO IMPORTANT TO NOTE THAT AFTER I MADE THE FULL PAYMENT OF ECROW IN XX/XX/XXXX THAT WAS WRONGLY APPLIED AS A PRINCIPAL PAYMENT I HAD FORGOTTEN THAT I MADE THAT PAYMENT AND CONTINUED TO PAY THE HIGHER MONTHLY PAYMENT OF XXXX PER MONTH ( AN EXCESS OF {$200.00} PER MONTH ) INSTEAD OF {$4500.00} MY COMPLAINT IS INITIALLY A CREDIT ISSUE, SINCE NOT ONLY DID I NOT OWE CHASE AS PAST DUE AMOUNT BUT THEY HAVE THOUSANDS IN EXCESS DUE TO THEIR 18 MONTHS OF MISAAPLIED FUNDS AND WRONGLY APPLIED LATES FEES CHASE HAS ADMITTED THEIR WRONG DOING AND HAS NOT PROPERLY CORRECTED THE THE ACCOUNTING. THEY ONLY ISOLATED THE ESCROW ACCOUNT AND HAVE WORSENED THE ISSUE BY CAUSEING MY ESCROW TO NOW SHOW A POSITIVE XXXX BALANCE THEY HAVE YET TO CORRECT MY PRINICIPAL BALANCE TO PROPER AMOUNT THEY HAVE YET TO PROPERLY PROVIDE ME WITH XXXX AND XXXX RE CALCULATED TAX STATEMENTS THEY HAVE YET TO PROVIDE WITH WITH RECALCULATED XXXX ESCROW ANALYSIS THEY HAVE TO CREDIT ME ME WITH ALL THE LATE FEES WHAT I NEED VS WHAT THEY ARE WILLING TO SEND I NEED MY ACCOUNT TO BE AUDITED FROM XX/XX/XXXX THRU PRESENT IN THE FOLLOWING MANNER ONLY IN ORDER TO ESTABLISH PROPER CREDITING OF PRINCIPAL .INTEREST AND ESCROW TO EACH PAYMENT ACCURATE MONTHLY PAYMENT BASED ON ACCURATE ESROW ANAYLSIS OF TRUE XXXX BALANCE AFTER PROPER DEPOSIT OF CORRECT MONTHLY PAYMENTS OF {$4500.00} FROM XX/XX/XXXX THRY XX/XX/XXXX RECALCULATION IN XX/XX/XXXX OF ESCROW BASED ON {$4500.00} AND PROPER CREDITING EACH MONTH TO PRINCIPAL, INTEREST AND ESCROW NEW MONTHLY PAYMENT SHOULD BE DERIVED AT THAT POINT AND BE USED AND ENTERED AS PAYMENT FROM XX/XX/XXXX THRU XX/XX/XXXX APPLYING REQUIRED PRINCIPAL INTEREST AND ESCROW THE END RESULT I AM REQUESTING FOR MY COMPLAINT TO BE RESOLVED PRINCIPAL BALANCE SHOULD BE RESTORED TO AN AMOUNT MUCH HIGHER THAN THE XXXX DIFFERENT AMOUNTS RECENTLY SENT VARYING FROM XXXX TO XXXX MUST BE IN ACCORDANCE WITH PAYMENTS OF {$4500.00} FROM XX/XX/XXXX THRU XX/XX/XXXX AND WHAT EVER ESCROW ANAYLSIS DEEMS ACCURATE FROM XX/XX/XXXX THRU PRESENT ( XXXX THIS TO BE ABOUT {$4600.00} OR LESS ) INTEREST SHOULD BE APPLIED ACCORDING TO THE SAME PROCESS AS ABOVE AND THEN RECALCULATED XXXX AND XXXX TAX STATEMENTS SHOULD BE PROVIDED BEFORE XX/XX/XXXX IN ORDER SUBMIT MY XXXX TAXES AND DO AN AMENDMENT TO MY XXXX TAXES ALL OF THE ABOVE SHOULD RESULT IN A POSITIVE ESCROW ACCOUNT BALANCE AND THE RESIDUAL LATE FEES MUST BE CREDITED BACK TO MYSELF I HAVE ROUGH NUMBERS, I AM HAPPY TO WALK THROUGH LINE BY LINE OF HOW THIS NEEDS TO PROCESS, BUT CHASE EXECUTIVE OFFICE KEEPS ADVISING ME THEY HAVE DONE ALL THEY CAN. WHAT THEY HAVE DONE IS LEAVE ME WITH INACCURATE TAX STATEMENTS FOR TAX YEARS XXXX AND XXXX, AN INACCURATE PRINCIPAL BALANCE ( OVERAPPLIED MONIES TO PAY DOWN PRINCIPAL ) AND A HIGHLY EXCESSIVE POSITIVE ESCROW BALANCE OF OVER 6K.
THE EMPLOYEES IN THE EXECUTIVE OFFICE SADLY ARE NOT ACCOUNTANTS AND THIS LEVEL OF DETAILIS NOT ATTAINABLE AT THEIR JOB LEVEL. I WILL ONLY ACCEPT A LINE BY LINE ITEMIZATION OF ENTRIES BY MONTHLY MORTGAGE PAYMENT WITH ACCURATE CREDITING OF PRINCIPAL, INTEREST AND ESCROW GEENRALLY PERFORMED BY A EMPLOYEE IN FINANCE OR ACCOUNTING I HAVE EXHAUSTED XXXX XXXX WITHIN CHASE, IT HAS TAKEN 7 WEEKS AND CHASE EXECUTIVE OFFICE HAS BEEN VERY LOW LEVEL AND FAR FROM EXECUTIVE. THEY KEEP TELLING ME THIS MATTER HAS BEEN RESOLVED WHILE IT HAS BEEN WRONGLY INCOMPLETELY SOLVED AND STILL ONGOING AND WILL CONTINUE. I AM DISAPPOINTED THAT WHEN YOU CALL ONE OF THE LARGEST BANKS IN THE XXXX YOU CAN ONLY SPEAK TO A LEVEL OF EMPLOYEE IN THE XXXX AND NO FURTHER IF YOUR PROBLEM INVOLVES INTRICATE DETAILS. THIS IS UNACCEPTABLE WHEN A CLIENTS, CREDIT SCORE, STATE AND FEDERAL TAX FILING AND CASH FLOW IS ON THE LINE. PLEASE ASSIST IN CORRECTING THIS MATTER AND GETTING CHASE TO TAKE THE NECSAARY DETAILED ACTION.
THANK YOU | null | JPMORGAN CHASE & CO. | NJ | 7,921 | null | Consent provided | Web | 03/17/22 | Closed with explanation | Yes | null | 5,335,019 |
03/18/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Rocket Mortgage sent me a letter they are going to disburse {$1600.00} to pay for insurance that I already paid and they do not hold in escrow. This will artificially and fraudulently look as though I am low on my account, which I'm not. They do not have an escrow account for my homeowners insurance. They have all of the documenation from the insurance company that the homeowners insurance has been paid in full. They refuse to acknowledge this in writing only over the phone. I want it in writing as well to head off and potential problems with Rocket Mortgage since they have been unethical, if not illegal, in dealings with me in the past. I am trying to head off a problem. Rocket Mortgage advised that I should submit a complaint to XXXX if I don't like it. So here it is. | null | Rocket Mortgage, LLC | NJ | 8,087 | null | Consent provided | Web | 03/18/22 | Closed with explanation | Yes | null | 5,339,822 |
07/17/22 | Mortgage | VA mortgage | Struggling to pay mortgage | null | VA Home loan was purchased XX/XX/16 through XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nationstar is acting as a lender to my XXXX XXXX XXXX which was originally through XXXX XXXX however, Nationstar bridge-loaned through XXXX to be FDIC insured. They used XXXX XXXX XXXX XXXX XXXX to conceal who the true lender or party in interest is/was, creating a cloud on my title. XXXX XXXX XXXX XXXX, commonly referred to as XXXX is illegally acting under the registered mark owned by XXXX XXXX XXXX XXXX, in violation of the Lanham Act. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe XXXX number on my mortgage documents refers to the electronic registry my loan was placed in to be securitized as a mortgage-backed security ( unknown to me ) but that XXXX and registry are owned by XXXX XXXX, not XXXX XXXX XXXX XXXX XXXXXXXX Nationstar has been sanctioned from performing such actions by the CFPB and Federal Govt. See XXXX order. I was never made aware my mortgage Note was to be converted into an electronic note, violating the UETA. It was also never disclosed that my loan would be sold in the secondary mortgage market. | null | NATIONSTAR MORTGAGE LLC | PA | 19,147 | Servicemember | Consent provided | Web | 08/01/22 | Closed with explanation | Yes | null | 5,779,713 |
07/30/22 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | BSI Financial Holdings, Inc. | GA | 30,102 | null | Consent not provided | Web | 07/30/22 | Closed with explanation | Yes | null | 5,825,174 |
05/23/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | I completed a Mortgage Assistance Program Application with PHH Mortgage. PHH Mortgage sent me a letter dated XX/XX/XXXX that my account was approved to enter into a Trial Period Plan under the Flex Modification. To be considered for a modification, the proposed trial period payments must be completed by their due dates. All 3 trial period payments were paid prior to their due dates.
PHH Mortgage then sent a letter on XX/XX/XXXX stating that I was eligible for a Loan Modification which would permanently change the terms of my mortgage. I followed all the steps in the letter to accept the offer from PHH Mortgage. Unfortunately, PHH Mortgage sent another letter dated on XX/XX/XXXX because the initial letter sent on XX/XX/XXXX had the incorrect information. PHH did " NOT '' indicate that the second letter was replacing the first letter due to an error on their behalf ... thus resulting in it not being sent by the XX/XX/XXXX. Not only did PHH not explain that this was replacing the first acceptance letter but I spoke with numerous PHH Mortgage representatives to verify that all documentation for my Loan Modification Agreement had been received... .and their responses were " YES '' ... .that I did not need to do anything else on my end. Payments made and documentation received.
PHH Mortgage sent a letter stating that my Loan Modification was denied because they did not receive my signed modification agreement by XX/XX/XXXX. However, I received a letter from PHH Mortgage on XX/XX/XXXX stating.. '' Once we receive the updated agreement, the account will be reviewed for final modification. Enclosed is a copy of the modification agreement that will need to be signed and returned '' I have all documentation to support what has transpired. The misinformation and errors on behalf of PHH Mortgage representatives has led to my Loan Modification being denied. I truly believe their deception sets up the consumer to fail. | null | Ocwen Financial Corporation | NC | 28,269 | null | Consent provided | Web | 05/24/22 | Closed with explanation | Yes | null | 5,594,147 |
03/11/22 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | CrossCountry Mortgage LLC | NJ | 7,106 | null | null | Phone | 03/11/22 | Closed with explanation | Yes | null | 5,318,463 |
07/15/22 | 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 | SI Mortgage Comapny Co. | MO | 64,133 | null | null | Postal mail | 07/15/22 | Closed with monetary relief | Yes | null | 5,777,447 |
03/30/22 | Mortgage | Other type of mortgage | Closing on a mortgage | null | null | null | FIRST HORIZON BANK | NY | 11,435 | Older American | Other | Web | 04/28/22 | Closed with explanation | Yes | null | 5,387,627 |
03/14/22 | Mortgage | VA mortgage | Trouble during payment process | null | After 4 days, multiple calls, hanging on hold for over 59 minutes to one hour, texting, and having a third party verification ( XXXX ) they DID NOT RESPOND! ALL THE WHILE EXPERIENCING GEAVT CALL VOLUME REGARDLESS OF DATE OR TIME. THIS CRITICALLY IMPACTING MY REFINANCE. EVEN REACHING OUT TO THEIR MTG DEPARTMENT FAILED. | Company believes it acted appropriately as authorized by contract or law | Village Capital & Investment LLC | FL | 34,613 | Older American, Servicemember | Consent provided | Web | 03/15/22 | Closed with explanation | Yes | null | 5,322,382 |
03/16/22 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | null | Company believes it acted appropriately as authorized by contract or law | SELECT PORTFOLIO SERVICING, INC. | KY | 40,342 | null | Consent not provided | Web | 03/16/22 | Closed with explanation | Yes | null | 5,329,661 |
08/05/22 | Mortgage | VA mortgage | Struggling to pay mortgage | null | My ex bought us a home I picked out and gave it to me. I am sole owner on deed for years. I paid mortgage for years and it was CURRENT UNTIL XXXX REFUSED PATMENT My ex and I broke up a di bought home and kept payments current. My ex took bankruptcy. Even though mortgage was current THE MONEY SOURCE NOW REFUSED TO CREDIT MY PAYMENTS. XXXX disappeared.
XXXX began foreclosure in violation of mortgage as it was current. XXXX gave forbearance but continued to refuse payments. I begged to pay. Then XXXX demanded lump sum in violation of CARESACT and XXXX signed XXXX that were not honored. I have recordings of abuse and dozens of abusive.calls to my attorney as well. I sent in proof of successor in interest weeks ago and XXXX in violation. Again of your regs IGNORES ME REFUSES TO STOP SALE WAITING GO STEAL MY HOME!!!!!!!!
HELP MENOW!!! | null | MONEY SOURCE, THE | TN | 37,830 | Servicemember | Consent provided | Web | 08/05/22 | Closed with explanation | Yes | null | 5,842,605 |
07/25/22 | Mortgage | Reverse mortgage | Trouble during payment process | null | I have been trying to get the loan information and verification from Service Finance Company , LLC, the mortgage company, on behalf of my clients for months now. I have mailed the registered agent via certified mail numerous times. I want to get the information so that we can avoid foreclosure as the only means to get Service Finance Company , LLC 's attention.
Thank you, Kindly | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | NC | 28,025 | null | Consent provided | Web | 07/29/22 | Closed with explanation | Yes | null | 5,807,656 |
03/25/22 | Mortgage | Conventional home mortgage | Improper use of your report | null | null | null | Rocket Mortgage, LLC | WA | 98,908 | null | null | Phone | 03/25/22 | Closed with explanation | Yes | null | 5,369,278 |
03/19/22 | 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 | PulteGroup, Inc. | TX | 75,407 | null | Consent not provided | Web | 03/19/22 | Closed with explanation | Yes | null | 5,341,113 |
05/27/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | Fay Servicing, LLC | CA | 92,114 | null | Consent not provided | Web | 05/27/22 | Closed with explanation | Yes | null | 5,616,285 |
06/15/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | My mortgage loan was with XXXX XXXX with auto pay for monthly loan payment. On XX/XX/2022, XXXX XXXX informed me that the loan processor is changed and the new loan processor will be shellpoint financial and they will communicate with me, but I didnt get any notification from shellpoint financial with the new account information to make payment. I was under impression that the previous lender might have transferred all of my information until I received a certified mail stating that I was behind on my payment.
As per the notification received by certified mail, I made payment on the same day and setup autopay for the future payments. The lender had multiple means to communicate with me like my home/cell phone numbers as well as my emails ( XXXX XXXX- the original lender, always communicates with me through email ) but I have never received any notification or voice message via those means and the lender reported me to credit report agency stating that I was late on payments.
When I reached to shellpoint customer service, they had my contact phone # wrong and no word about any Email communication sent.
I am very responsible person and manage my finance pretty well and have never been late in my payments. Your office can check my credit history and see that don't have any history of late payments.
During this era of communications they had all my information from the previous lender, how come they couldnt reach me through mail, email or phone call or text.It is the negligence on the part of the lender and I shouldnt be penalized for their mistake. | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | TX | 75,019 | null | Consent provided | Web | 06/15/22 | Closed with explanation | Yes | null | 5,675,679 |
03/11/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | I called Mr. Cooper on XXXX and asked about getting the account set up on draft because it is difficult for me to make my full payment all at once. The representative told me that I had to get the account caught up before doing that, but she would email me the form. I told the rep that I would pay XXXX and XXXX payments to get the account caught up ; she said they should draft in XXXX. We both reviewed the calendar and discussed the draft beginning on XX/XX/XXXX. This was all spoken on a recorded call. Today, XX/XX/XXXX, I called Mr. Cooper, and the representative told me that the account wasn't set up on a draft because my account is not paid ahead ; the account is due for XXXX. I explained that when I submitted the form, the account was scheduled for XXXX, and I was paid ahead, but they sat on my request and didn't process it, and now they expect me to pay two more payments ahead to set the draft up for XXXX. The rep claimed that I had to make my payments prior to the XXXX and that was never told to me during my initial call. How is that fair? They never communicated that they couldn't set the account up for the draft. This is predatory and deceptive practice because I did exactly what I was told, and now I am forced to use bill pay for my bank and will be charged a late fee each month. This matter needs to be investigated. Why can't Mr. Cooper set the account up on draft as they stated in the recorded conversation? I was advised incorrectly by their staff and am now penalized by this company knowing I am trying to pay my mortgage on time, and they keep changing the rules to assist me better. They should have listened to the recording and honored what I was told. They also need to communicate better, especially when people lose their homes and struggle to keep a roof over their heads. I scheduled my half payment to be sent by my bank today and will send them a half payment each month so they will get a full payment each month, but I will also be charged a late fee every time. This is not fair. Again, this practice is predatory and deceptive. | null | NATIONSTAR MORTGAGE LLC | NC | 27,520 | null | Consent provided | Web | 03/11/22 | Closed with explanation | Yes | null | 5,315,892 |
04/11/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | Weeks ago I received the attached 1099-A from Chase ( see attached ) showing in the top right corner of this form, that they have " furnished '' to the IRS, this attached form, when in fact I just got off of the phone with IRS representative ID # XXXX XXXX XXXX for near an hour talking with her. She informed me as of Today XXXX at approximately XXXX pm, when I talked to her that Chase did NOT file any 1099-A with the IRS. This is the second time since XX/XX/XXXX when Chase did the same thing with the last illegal fraudulent foreclosure on my home, sending me the first fake 1099-A form, which they later resinded and corrected the 1099-A ( see attached ). I am asking the CFPB to investigate and inform the FBI, FTC, and IRS of these false forms being sent to me in a desperate attempt to steal my home AGAIN with FRAUD!!, while emotionally terrorizing me for years. I am XXXX yrs old, XXXX, indigent, with only a high school education whom recently had XXXX XXXX in XXXX of XXXX and another medical stress related event This week being admitted to the hospital due to the severe stresses done to me here since XXXX by Chase for illegal foreclosures on my home. | null | JPMORGAN CHASE & CO. | MA | 2,045 | Older American | Consent provided | Web | 04/11/22 | Closed with explanation | Yes | null | 5,433,100 |
03/12/22 | Mortgage | FHA mortgage | Trouble during payment process | null | I opened a checking account with Truist who currently holds my mortgage and now I have no online access to my mortgage account. I can only see my checking account information.
On XX/XX/2022 I went to the Truist branch located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX I spoke with XXXX XXXX and we discuss products and applying for them. Later that day I went into the branch and told him I dont have access to my mortgage account online and he gave me his business card and told me he would follow up with me later that day. I did not hear from him so I emailed him at XXXX on XX/XX/2022 I called the branch several times and at the end of the business day I received a very vague email telling me he would monitor and keep me posted.
He asked me to email my social security card because the social security number in the system was not the same and I explained to him that I had no issues accessing the app or the website prior to coming into the branch. He gave another vague excuse about the merger and integrated the systems. He said he would get it corrected with in two business days.
I called the customer service number and was bounced around from department to department and the mortgage department said everything is showing up correct and they need to get me over to the online support team and the online support team told me the same thing that branch said about my social security number being incorrected. Wait times when calling the customer service number were over 4 hours at times and getting nowhere.
On XX/XX/2022 I spoke with a man named XXXX XXXX from the online team and he would not honor any of my request to contact the mortgage department or transfer me to a manager after going back and forth with him for over an hour he disconnected the call he cut me off many times and repeated himself. I never felt like he listened to me I felt rushed and almost like I did not matter, he might have just wanted to get to his next call. When I asked for his employee ID he told me he could not provide that information but offer to give me his last name.
From XX/XX/2022 to XX/XX/2022 and counting I still do not have online access to my mortgage account and no one from Truist has taking ownership of my issue to help me correct it. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | PA | 19,079 | null | Consent provided | Web | 03/12/22 | Closed with explanation | Yes | null | 5,318,131 |
03/17/22 | Mortgage | FHA mortgage | Closing on a mortgage | null | Started a loan with us bank on XX/XX/XXXX no documents were requested regarding said loan until XX/XX/XXXX after my offer was accepted on a property on XX/XX/XXXX. Throughout the process there has been a lack of communication regarding my loan and documents needed. My original loan officer XXXX XXXX actually resigned during the middle of this process and it was handed to a manager by the name of XXXX XXXX ( phone XXXX ). XXXX has been extremely slow to communicate throughout the process, communication from him is typically after business house between the hours of XXXX. With the delay in information my closing was set for XX/XX/XXXX which has been pushed back multiple times and now leaves the sellers of the house potential being XXXX as their buyer is no longer willing to extended the contract on their home to purchase. I can supply emails and text treads throughout this process to show of the delays. My loan officer XXXX fore refuses to call me or ask for any information, she speaks to third parties and not myself directly. This case has caused me to miss numerous hours of work as well as pain and suffering from miscommunication | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | FL | 33,578 | null | Consent provided | Web | 03/17/22 | Closed with explanation | Yes | null | 5,335,491 |
06/10/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Ocwen Financial Corporation | NC | 28,732 | null | Consent not provided | Web | 06/10/22 | Closed with explanation | Yes | null | 5,653,057 |
03/11/22 | Mortgage | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | Let me start by saying my father is a retired veteran with dimentia and I have power of attorney to make decisions on his behalf. So as his oldest biological son I have been dealing with this issue. We were reached out to by Freedom Mortgage about refinancing out current mortgage to get a lower rate. Not having to change the number of months on the loan. My parents jumped on this opportunity as they are on a fixed income. We submitted all the paperwork but the title company needed some affidavit of affixture. When the docs were requested I had reached out several times to get assistance as I did not know what this document was. Not to mention they currently hold the mortgage on the property so that should have already been found in the county. They close the account because we can not figure out what to do. They didn't provide any reason for need for this or assistance on what it was when we asked for help. That is step 1. In XXXX of XXXX a XXXX XXXX from Freedom mortgage reached out to re-open the account. I brought up this issue and he told me it would not be an issue this time as he would push it through. I asked again if it would be an issue and was assured it would not. So we re-opened the process only to find out that it was an issue again. So I started making calls about it because I again did not have an understanding of what the affidavit of affixture was. I got some assistance form someone in XXXX of XXXX. They needed the document by the XXXX. I asked for an extention till the XXXX. Our rate lock was about to expire so we extended a month. I was told to have the informatino send over by the XXXX. I had taken the XXXX off to go to the XXXX and start the process. Found out that you need a title to do this. We didn't have a title there is a deed. ( which indicated these documents have already been filed with the state ) So at this time I was told to go to the county assessors office. That is part 2 I drove downtown to the county assessors office with my parents in tow. When we arrived to the office I was able to speak to someone who actually deals with this exact issue. He was most helpful and was able to find the document that was filed in XXXX ... 30 years earlier and I was told I could not get a new affidavit of affixture but he printed out the old one for me and told me if I want an official one I have to go across the street to the county recorders office. We did just that. They pulled the file and gave us an official copy. I am finally releaved as I was TOLD we could close in 2 weeks once they get this document. So I scan it in and send it to the mortgage company and the title company on the XXXX. As agreed upon by an employee of freedom mortgage. I didn't hear back from them so I called on monday XXXX for a status update and was told my file was closed. Yet literally 10 days earlier I spoke with someone about the deadline and was told it would be okay. 3rd LIE! At this point I have been lied to multiple times. I was mislead and told a document was needed when in fact it was not due to having a deed. So this was 6 months of a headache that was never needed to happen. I had to take a day off of work to get these documents that were not needed. I have spent the last couple weeks trying to reach someone at freedom mortgage and no one will return the call. I finally got ahold of an XXXX XXXX and he has said he reached out to management and they sales side to get someone to call me and they never did. I gave them a deadline of XXXX on the XXXX of XXXX to get back to me and avoid this complaint however they did not call me back at all. So here I am writing this complaint. I was misled, lied to, ignored and overall this process was a nightmare. And my parents being retired could have used the lower payment on their house a few months ago when this first started. I feel like we were mislead from the beginning and they didn't actually want to do any of this by the way it was all handled. I hope that this complaint will have some effect and get this resolved.
I have attached the Power of Attorney for my father XXXX XXXX so the company can not claim I am unauthorized as they have a copy of said power of attorney in their possession. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | AZ | 85,032 | Older American, Servicemember | Consent provided | Web | 03/11/22 | Closed with explanation | Yes | null | 5,318,262 |
05/18/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | My mortgage servicing transferred from XXXX XXXXXXXX XXXX to Shellpoint Mortgage on XX/XX/2022. The loan was current at the time of transfer with the most recent payment being a full XXXX payment made on XX/XX/2022 to XXXX XXXX ( prior servicer ). The prior servicer, XXXX XXXX, confirms that the loan was current at the time of transfer. Immediately upon being transferred on XX/XX/2022, the new servicer Shellpoint Mortgage, claims that I did not make my XX/XX/2022 payment and that it was now due to them along with the XX/XX/2022 payment. Although this claim was incorrect, Shellpoint advised me to make both XXXX and XXXX to them and that this problem would be resolved within 60 days. Today is ~ day XXXX and nothing has been fixed. Shellpoint Mortgage has received several proof of payment documents from me which they have acknowledged both in email and on the phone. I have spent over XXXX hours in the last 80 days trying to get this issue corrected and each time, Shellpoint has no updates that this matter is being addressed and continually asks me to provide the same proof of XXXX payment documents that they've already received many times. The prior servicer, XXXX XXXX, has provided both me and the new servicer, Shellpoint Mortgage with a full accounting of my XXXX payment along with a letter that I was current. Shellpoint has continuously dropped the ball on this, failing to make progress, failing to keep in communication with me, and failing to provide any documentation to support their false claims. Me, the prior servicer, and my personal bank are all in full documented agreement that it is Shellpoint that is in error and yet Shellpoint is not interested in addressing this issue in a timely manner. | Company believes the complaint provided an opportunity to answer consumer's questions | Shellpoint Partners, LLC | CA | 91,711 | null | Consent provided | Web | 05/18/22 | Closed with monetary relief | Yes | null | 5,574,422 |
04/15/22 | 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 | 60,532 | null | Consent provided | Web | 04/15/22 | Closed with explanation | Yes | null | 5,449,543 |
04/12/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | LoanCare, LLC | IA | 52,722 | null | Consent not provided | Web | 04/12/22 | Closed with explanation | Yes | null | 5,435,133 |
03/31/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | At the start of Covid my husband lost his job we had call Carrington on a to regular basis to make sure the forbearance was in place. On XX/XX/XXXX I called Carrington and they referred me to HUD for financial assistance they also stated that they would start paper for modification that day. Stating that would take months. I called the number that was provided left a message somebody called me back from the program was not ready yet but I was to place on a list and XXXX Carrington was informed that we were on the list in XXXX the HUD company XXXX contacted us we had completed. In that paperwork were releases for Carrington and told that the application for assistance was in the process of being created on XX/XX/XXXX we signed release was sent XXXX for them to contact Carrington on Monday, XX/XX/XXXX the application for assistance was emailed to me by XXXX XXXX from XXXX even though I have not yet been put up online we had started to complete it right away it was submitted XXXXXXXX funding was not available until XX/XX/XXXX a week and a half prior to the funding being released we were informed that we needed my husband Social Security card we attempted to get Social Security card however because the license is expired we need to wait for the state has your send us an actual plastic ID the security guard at the door would not except the paper one issued by the state and we were told to come back with that. It was also about a week ago when XXXX XXXX from the head so that Carrington didnt accept the release so he had to sign new releases that Carrington still had not contacted them or except the contact from them. I had contacted them and explained the time that we are waiting for the Social Security card and ask them about the release which I did not get a direct answer on because I was asking if they could send nearly said they were fine acceptable. Within the past week I spoke with XXXX Carrington he did not have any information about XXXX or the programs they referred us to he provided me with the updated Mortgage statement which was still needed along with a deed and the original mortgage in order for the house assistance specifically. XXXX from Carrington who told me that I could find the deed in the original mortgage in our closing paperwork from the day we closed I had found that and sent that XXXX m who are already informed us and voicemail which youll see documenting that they were bills approved and that they will be paid and they will pay up to {$20000.00} Toward the mortgage had emailed XXXX to inform him of this he had said that he couldnt wait for some prospective funds to come would not or did not bother to validate that we applied finance that they directed us to apply for. was in place XX/XX/XXXX I called Carrington and they referred me to HUD for financial assistance they also stated that they would start paper for modification that day I called the number that was provided left a message somebody called me back before me that and see if you answer the program was not ready yet but I need to place on a list and XXXX Carrington was informed that we were on the list in XXXX the HUD company XXXX contacted us we had completed and theres your paperwork releases for them a secret Carrington and told that the application for assistance was in the process of being created on XX/XX/XXXX assigned release was sent XXXX for them to contact Carrington on Monday, XX/XX/XXXX the application for assistance was emailed to me by XXXX XXXX from XXXX even though I have not yet been put up online we had started to complete it right away it was submitted XXXX funding was not available until XX/XX/XXXX a week and a half prior to the funding being released we were informed that we needed my husband Social Security card we attempted to get Social Security card however because the license is expired we need to wait for the state has your send us an actual plastic ID the security guard at the door would not except the paper one issued by the state and we were told to come back with that. It was also about a week ago when XXXX XXXX from the head so that Carrington didnt accept the release so he had to sign new releases that Carrington still had not contacted them or except the contact from them I had contacted them and explained the time that we are waiting for the Social Security card and ask them about the release which I did not get a direct answer on because I was asking if they could send nearly said they were fine acceptable. Within the past week I spoke with XXXX Carrington he did not have any information about XXXX or the programs they referred us to. | null | CARRINGTON MORTGAGE SERVICES, LLC | NH | 3,051 | null | Consent provided | Web | 03/31/22 | Closed with explanation | Yes | null | 5,390,469 |
06/08/22 | 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 | Village Capital & Investment LLC | CA | 93,543 | Older American | null | Postal mail | 06/08/22 | Closed with explanation | Yes | null | 5,647,516 |
05/18/22 | Mortgage | Conventional home mortgage | Improper use of your report | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | MD | 20,602 | null | null | Referral | 05/18/22 | Closed with explanation | Yes | null | 5,574,292 |
06/16/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | When closing our refinance loan, Cardinal Financial engaged a closing agent, when preparing the closing statements, Cardinal Financial was responsible for transferring the payments from the previous escrow to the new escrow and paying the homeowners policy for the next year ( or ensuring that there was enough money in escrow to cover it ). At closing we still had several months on our policy. We were billed for the new years policy, then refunded the policy amount then when the renewal policy was not paid as the money was not in escrow and I received a cancelation notice only after contacting Cardinal Financial did they paid the policy. Now due to their errors, there was a deficiency in the escrow account that has caused our monthly payment to increase over {$300.00} a month as we are about to enter a recession. When I presented to above to Cardinal, they did not address this issue but used my neighbors property tax bill ( not mine ) to refactor the escrow account. The names on our tax bill and my neighbors are not anywhere near the same. Cardinal Financial has engaged in a series of mistakes and errors that have been costly to my husband and I. | null | CARDINAL FINANCIAL COMPANY | NJ | 7,208 | null | Consent provided | Web | 06/16/22 | Closed with explanation | Yes | null | 5,676,705 |
04/06/22 | Mortgage | Conventional home mortgage | Problem with fraud alerts or security freezes | null | All the time I received call asking mi if Im mister XXXX XXXX idont know whi that person live in Florida at XXXX XXXXXXXX XXXX XXXXXXXX XXXX his phone number is XXXX XXXX XXXX please help mi please | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | CT | 6,704 | null | Consent provided | Web | 04/06/22 | Closed with explanation | Yes | null | 5,414,162 |
04/01/22 | Mortgage | VA mortgage | Trouble during payment process | null | I lost my job during the pandemic, on XX/XX/XXXX. I had not retained employment by the close of the month and called Flagstar Bank to inform them that i would need to enroll in the covid 19 forbearance program. I asserted this was a temporary hardship, that i was planning to retain the home, and that i just wanted my payments deffered to the end of my loan, keeping everything the same except the loan length terms, accounting for the forbearance months at the end. I was assured that this was an option available to me and that it would be completed once my hardship was resolved. I had a hardship packet drafted by XXXX law sent to all my creditors informing them i was being impacted by my job loss during the pandemic. I followed all protocols set forth by Flagstar to report on my situation monthly. I had a series of medical situations hit our household causing me to be under employed for resolving my hardship concerning my mortgage. I reported all this during my monthly check ins, and was verbally assured each time that my deferral option was still available and that would be what happened a long as i continued to follow the forbearance protocols. This went on until XX/XX/XXXX when i was told by a Flagstar rep that i was no longer eligible for forbearance, and that if i didnt start making regularly scheduled payments on my mortgage, in conjunction with the missed payments in the amount of XXXX from the forbearance period that i would go into foreclosure. I informed the rep that under the cares act i was actually afforded XXXX more months and that they were unable to demand the full forbearance amount all at once, and recited the va servicers handbook clause to them that denied them that. The rep stated that it was at the servicers discretion to allow me to continue in forbearance or not, and that unfortunately since i had a va serviced loan that i was actually not eligible for defferment. I was obviously shocked at this revelation as i had been verbally assured the entire time i was in forbearance that deferment was not only an option, but was the action that was going to be taken once my hardship was resolved. I explained all this to the rep and was simply told " sorry you were told that, but you're ineligible regardless. '' I then went through a series of managers, and had my case " expedited to escalations '' where i was informed that va loans weren't ever eligible for defferment. I called my va rep, who informed my that the va couldn't " make '' the servicer ( flagstar ) give me more forbearance time, nor could they " make '' them give me a deferment, even though i was continually verbally told i was getting that option. I informed her that they were trying to force me into something called a streamline modification, and that i was not wanting that option. She gave me some resources to get some help. I started making my payments again in XX/XX/XXXX per Flagstar 's demands. I continued to be forced to make my payments over the phone with the covid task force, so every single time i call i have to reassert that yes I'm trying to retain my home, i continually explain that every time i call i am given different information, from ppl in the same dept. I was threatened with foreclosure in XXXX because i kept rejecting the high pressure streamline modification they kept trying to push me into. I continued to make the payments as requested on the timeline requested by Flagstar and continued to request deferment and was told that my case had been sent to the underwriters to see if i could be given a defferment since the va loans had recently become available for defferments. I told the rep that the modification to the va loan terms was completed on XX/XX/XXXX, BEFORE i came out of forbearance, so why was i being denied, especially since complying with all protocols set forth by Flagstar. I was told that it was because i had missed more payments than what was allowed to be considered for defferment, and that compliance didn't necessarily impact my ability to be given defferment. I then contacted a 3rd party with XXXX XXXX, and had them contact Flagstar with me, only then with the 3rd party did flagstar assure me that i wasn't in foreclosure, that i wasn't in danger of going into foreclosure, and that my account WAS being reviewed by under writers for a possible partial claim, which in flagstar speak means defferment. Then made XXXX 's payment, was asked by the rep what was going on with my account, told them I'm doing what I'm asked and that i was told it was waiting for a review. Called to make febs payment, had the rep take the payment from a different account with the same bank, for some reason they still tried to take the payment from the other account, was charged an ach fee from my bank, XXXX, i called the same day i realized the mistake had been made, and corrected the payment, i was told to submit documents showing i was charged the ach and that a XXXX would review the recorded call showing i gave new account info and that i would either be reimbursed or that my account would be credited. I followed reimbursed protocols on this, and was sent an email by the company asking why they would be responsible for reimbursement, i explained it again in the email what i was promised, and provided supporting docs, silence. I then called to make my XXXX payment, and was casually told by the rep who was taking my payment that if i was able to make a double payment this month that i would then become eligible for defferment, because since i make my payments after the first of the month that technically it puts me at 13 months behind instead of 12, and if i could get my account up to date, where it looks like im only 12 months behind that i would be within company policy to qualify for defferment. I became extremely upset at this, as this was the first time i had heard anything about being able to actually do something to get defferment and if that was the case why wasn't i given more time to get some resources together since apparently it had to be done by XX/XX/XXXX to make me eligible. I was apologized to and told that if i could get the money together to call back, make the payment and deferral would be guaranteed. My payment cleared my XXXX bank on XX/XX/XXXX. On XX/XX/XXXX i received my tax refund money, and called Flagstar Bank at XXXX am, i was told the task force had to handle my call and they opened at XXXX, so i called back then. I was connected to a rep, i told her my situation, that i was calling to make this extra payment so that i could FINALLY be provided the defferment i deserved. She informed me that there was no such thing within flagstar, that she had never heard of any such incentive plan to get defferals, and started to look back at all the notes in my account detailing all of my months of compliance, detailing all of my conversions with reps from the company. She told me that she was sorry that i was misinformed, but that she needed more time to review all of the notes, and that she was going to ( yet again ) expedite this to her escalations XXXX. This rep told me her name was XXXX and that her rep id number was XXXX. She promised to call back to follow up no later than XX/XX/XXXX. There was no mention of paperwork in route to me. I received my loan modification with partial claim offer on XX/XX/XXXX, and was given only until XX/XX/XXXX to accept. The packet in the mail from them details how now all of a sudden i owe not XXXX from unpaid forbearance payments, but instead owe XXXX and they have the listed months of defferment at XXXX in this new modification offer, and when i add up the missed payments, the missed escrow, and the missed interest ( which i was understanding was paused during forbearance ) it doesn't equal the XXXX they're calling for to be rolled into the modification, all of those numbers only equal up to XXXX. Not only has this company been predatory on a XXXX veteran and continually intentionally misinforming me ( said veteran ) but they're literally trying to force me to not only repay what i owe ( i have no problem paying what i owe, hence the defferment seeking ) but now they're trying to tack on an extra XXXX on to it too? Egregious and abusive lending practices, and i don't deserve it and neither does anyone else. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Flagstar Bank, N.A. | GA | 30,224 | Servicemember | Consent provided | Web | 04/01/22 | Closed with explanation | Yes | null | 5,395,701 |
03/18/22 | 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 | RoundPoint Mortgage Servicing Corporation | LA | 70,070 | null | null | Referral | 03/18/22 | Closed with explanation | Yes | null | 5,338,356 |
06/02/22 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | VA | 22,102 | null | null | Referral | 06/02/22 | Closed with explanation | Yes | null | 5,626,338 |
05/24/22 | 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. | NJ | 7,928 | null | Consent not provided | Web | 05/24/22 | Closed with explanation | Yes | null | 5,595,604 |
03/13/22 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | We were declined for a refinance on a mortgage. We received a loan package as if we were approved but didnt know we were declined until we tried to submit our documents. Our loan officer never reached out to us during this process and we feel there were discriminatory practices during our application process. We dispute the reason for the decline including foreclosure and judgements. We have none because we had a XXXX XXXX bankruptcy that was discharged in XXXX and also our mortgage payments were made to Wells Fargo at this time. We feel that we were declined due to redlining and no one from Wells Fargo assisted us during the application process. We would like to have someone explain to us how a XXXX couple with a high six figure income can rejected due to reasons that appear to be inaccurate and discriminatory | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | IN | 46,312 | null | Consent provided | Web | 03/13/22 | Closed with explanation | Yes | null | 5,311,174 |
04/26/22 | Mortgage | Home equity loan or line of credit (HELOC) | Trouble during payment process | null | I applied for a refinance through CrossCountry Mortgage on XX/XX/2022. The loan officer in XXXX told me I didn't need to .are a payment on my original loan for .y refinance had gone through but was waiting on an appraisal which didn't come through until XX/XX/XXXX. Then they declined the loan. Putting me back a payment on my mortgage. | null | CrossCountry Mortgage LLC | TX | 75,773 | Older American | Consent provided | Web | 04/26/22 | Closed with explanation | Yes | null | 5,501,716 |
03/11/22 | Mortgage | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | Lynx Whole Loan Acquisition LLC | CT | 6,021 | Older American | null | Phone | 03/11/22 | Closed with explanation | Yes | null | 5,318,268 |
06/17/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | Carrington Mortgage had threatened foreclosure. XXXX XXXX XXXX was hired and XXXX XXXX Bankruptcy was filed. I was advised by my lawyer at XXXX XXXX XXXX to avoid foreclosure and work with loss mitigation sign a Deed in Lieu of Foreclosure.
Carrington Mortgage loss mitigation was contacted, Deed in Lieu documents were provided, completed and sent via XXXX back to Carrington in the beginning of XX/XX/2020.
Recently when we were trying to buy a home, we discovered the lawyers for Carrington 'sold our home as a foreclosure ' even though the Deed in Lieu was signed.
Not only does our credit show a foreclosure, but with the foreclosure, the second mortgage was not paid off. The Deed in Lieu would have cleared the 2nd mortgage as the mortgage insurance would have cleared any and all liens on the property.
I have made multiple attempts with Carrington to alleviate this situation to no avail.
We are unable to purchase a home and are having an extremely difficult time even trying to find a place to rent. Our lease expires in one month and we will be XXXX at that point. | null | CARRINGTON MORTGAGE SERVICES, LLC | VA | 23,464 | null | Consent provided | Web | 06/17/22 | Closed with explanation | Yes | null | 5,679,011 |
04/26/22 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | AL | 36,207 | null | null | Phone | 04/26/22 | Closed with explanation | Yes | null | 5,499,302 |
Subsets and Splits