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04/19/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Flagstar Bank, N.A. | FL | 32,086 | Older American | null | Phone | 04/19/22 | Closed with explanation | Yes | null | 5,466,252 |
05/17/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | In XX/XX/2021, I received a letter from Truist ( who had recently become my mortgage servicer after a refinance ) asking for insurance information on my condo. The letter said that if I did not purchase insurance, they would purchase insurance using my escrow money. I called the number for a rep at Truist- to tell the mortgage servicer that the condo association provides the homeowners insurance. ( I had a mortgage serviced by XXXX XXXX and this issue never came up ). I was very clear that I DID NOT want Truist to purchase insurance on my behalf, since I am already paying the insurance as part of my condo fee. The XXXX representative asked for documentation. I called my condo association and they sent me a notice of cancellation for one policy, and a notice of the new policy information. As Truist directed, I faxed this information on XX/XX/XXXX. I did not receive a timely response. Next, I received a second notice from Truist telling me they were going to purchase ( sub par - their words ) insurance using money from my escrow account because they had not received information on the current policy. I told them that I faxed the information on XX/XX/XXXX. They told me that was the wrong information and I should have sent the Certificate of Insurance. So, I called my condo association management and they provided me with a certificate of insurance. I uploaded this to the portal the Truist representative gave me. A few days later I received an email that said " Thank you. This email is to inform you that we have reviewed the recently submitted document ( XXXX ) and are unable to proceed with updating the policy information. '' So I called and asked why they were unable to proceed and the customer service person on the phone said they did not have access to tell me why it was rejected. This happened three more times -- three times I uploaded the document and each time I got an email saying they could not proceed. I called again and this time the customer service person told me to send the document to SunTrust instead of Truist, which I did. Next I received in the mail an insurance policy. After that I received a notification that my mortgage payment was going up over XXXX dollars a month ( which is more than it was before my refi! ) and that they used my escrow to purchase insurance. I am very upset and feel helpless here - my condo association pays for the insurance so I am now paying double. I pay XXXX a month for condo fee, in a place with very few amenities ( so the insurance is a big part of my fee. ) And again- when I had my servicer through XXXX XXXX I had no problem- they never asked me for proof of insurance, because the condo association provided it to them. I even called my mortgage company to ask for help but my representative does not work there anymore. I hope you can help me.
I also suggest the CFPB look at XXXX to see the many many complaints about Truist mortgage servicing. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | VA | 22,046 | null | Consent provided | Web | 05/17/22 | Closed with non-monetary relief | Yes | null | 5,571,650 |
06/21/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | FL | 32,444 | null | Consent not provided | Web | 06/21/22 | Closed with explanation | Yes | null | 5,693,967 |
04/06/22 | Mortgage | Other type of mortgage | Trouble during payment process | null | This letter is to attest to several instances of maleficence on the part of Bank of America that resulted in extreme financial hardship for me. There are three specific separate but related matters I would like to file a complaint about and have included my request for resolution at the end of each section.
Matter 1 I have attached the letters from Bank of America proving their mistake in regards to the matter discussed below.
I was approved for Corona hardship deferment back in XXXX. In XXXX of XXXX I applied for a 3 month extension of the deferment ( as I had several times before ) but my request was not serviced or responded to. The confirmation number for the extension request that was missed is : XXXX. In XXXX of XXXX I began to be contacted by Bank of America that A mortgage payment had been missed. I attempted to contact BOA to find out what had happened but received no response from my account manager and was never able to contact a live person. As a result I simply reapplied for the extension this time via the phone system. This extension was approved but what I admit that I didn't realize at the time was that it was changed from a deferment to a " forbearance '' at that time. I received a letter stating the forbearance was good through XXXX, XXXX which is attached. The following month I received another letter stating my forbearance was now good through XX/XX/XXXX. This letter is also attached. No explanation was given for these dates or their changes.
It was on XX/XX/XXXX when I went to resume payments on the mortgage that I realized that a mistake had been made re. my deferment had been changed to a forbearance. At this time I once again began attempting to contact BOA to determine what was going on. They finally got back to me in the middle of XXXX. I explained the above situation and pointed out the letters and the confirmation number of the original request above. They agreed that an error had been made and referred my account to the research department. On XX/XX/XXXX I received a letter informing me that my account had NOW been approved to be in deferment through XX/XX/XXXX. This letter is also attached.
This IMMEDIATELY caused me to show as being 3 months late in payments despite having never missed a payment that showed as due. In " fixing '' the original error that switched my account from deferment to forbearance Bank of America caused my mortgage to be 3 months delinquent to the tune of my current past due amount of {$3700.00}. Please again note that my account was never delinquent until I received a letter on XX/XX/XXXX ( again attached ), resetting my deferment to XX/XX/XXXX 3 months earlier suddenly causing me to be 3 months late in payments according to the system. I resumed making my regular monthly payments immediately but I can not afford the past due amount that is a result of Bank of America 's mismanagement of my account.
I am requesting Bank of America move my past due amount and escrow to the end of my mortgage without forcing me to do a loan modification. I am not asking for the amount to be forgiven or my monthly payment lowered.
Matter 2 Bank of America says that the only way to rectify the past due amount on my account is to apply for a loan modification. I am doing so but it is a long and arduous process as I am a XXXX member. XXXX is a program whose mission is to provide affordable homeownership to low-to-moderate-income people and communities. Bank of America makes it extremely difficult for XXXX members to do anything related to their mortgage. Bank of America assured me that while this past due amount was in dispute and I applied for the loan modification I would not be negatively reported to the credit bureaus. However, they have now done so twice causing my credit score to plummet from a rating of Excellent to Poor in a matter of a month. I am requesting Bank of America completely remove its negative reporting of my account to the credit bureaus until this matter is resolved.
Matter 3 As briefly alluded to above Bank of America treats XXXX members as second class clients. I am not able to reach a real person to discuss anything regarding my mortgage. Bank of Americas phone system makes you put in the mortgage account number before transferring you. XXXX members are able to immediately reach a mortgage customer service representative to discuss their account, this was attested to me by the independent mortgage counselor Bank of America assigned to reach out to me to discuss my past due amount. I discussed my situation with him and he tried to call Bank of America in order to help me discuss the issue. He was shocked to discover that he could not get through to a mortgage representative for my account. He said he had never encountered that before.
Instead XXXX members are sent to the voicemail box of their account manager and forced to leave a message which they are told will be returned in a maximum of 1 business day. These calls are regularly not returned at all and if they are its usually at least a week. I have left well over two dozen voicemails over the past year dealing with this issue and have received a return call twice in that time. I am requesting that Bank of America be forced to treat XXXX clients with the same priority and respect they give other clients.
XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | LA | 70,117 | null | Consent provided | Web | 04/06/22 | Closed with explanation | Yes | null | 5,415,077 |
05/25/22 | Mortgage | Home equity loan or line of credit (HELOC) | Closing on a mortgage | null | null | null | FIFTH THIRD FINANCIAL CORPORATION | MI | 48,306 | null | Consent not provided | Web | 05/25/22 | Closed with explanation | Yes | null | 5,600,872 |
04/04/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | NATIONSTAR MORTGAGE LLC | CA | 92,801 | Older American | Consent not provided | Web | 04/04/22 | Closed with explanation | Yes | null | 5,403,303 |
03/12/22 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | XXXX of 2019 I began the refinance process with Wells Fargo. 3 months into the process even after paying for and complementing the appraisal of the subject property I was denied the loan. I expressed my frustration and concern that I was being discriminated against as a XXXX man. I later moved on with another lender and closed within 30 days..
I believe I fall into the class action against Wells Fargo. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NJ | 7,305 | null | Consent provided | Web | 03/12/22 | Closed with explanation | Yes | null | 5,313,378 |
03/12/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | STANDARD MORTGAGE CORPORATION | SC | 29,607 | null | Consent not provided | Web | 03/12/22 | Closed with explanation | Yes | null | 5,313,215 |
03/21/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I have a conventional mortgage with Cross Country Mortgage. XXXX services the mortgage. My mortgage payment jumped {$400.00} a month. Cross Country informed me it was because of increased property taxes. The city I live in assesses taxes twice a year. Cross Country has been ( over ) paying 4 times a year. I have spoken maybe half a dozen times now with Cross Country and XXXX and they are unable to tell me what they paid out of escrow and why. They assigned a " resolution specialist '' who promised to get me an answer by XX/XX/XXXX, but he has, as of XX/XX/XXXX, provided no response and is unreachable. Essentially, they are cutting checks from my escrow account for taxes that are not owed and can not account to me for what happened to the checks/money. | null | CrossCountry Mortgage LLC | MA | 2,667 | null | Consent provided | Web | 03/21/22 | Closed with explanation | Yes | null | 5,348,395 |
08/03/22 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | NATIONSTAR MORTGAGE LLC | CT | 6,106 | null | Other | Web | 08/03/22 | Closed with explanation | Yes | null | 5,839,256 |
05/13/22 | Mortgage | FHA mortgage | Problem with a credit reporting company's investigation into an existing problem | null | I am disputing a credit reporting action with U.S. Bank Home Mortgage.
I sent a letter to U.S. Bank, Attn : Credit Bureau XXXX, XXXX XXXX XXXX, XXXX, KY XXXX. XXXX dated XX/XX/2022. Their return letter stated that my letter was an " insufficient information request, and gave me a list of required information. The letter from U.S. Bank was completely unresponsive as all the information they required was in the body of my letter or in one of the six Attachments. Their return letter gave a general automated phone number. A U.S. Bank rep stated that the Credit Bureau Reporting does not receive incoming phone calls. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | VA | 22,974 | null | Consent provided | Web | 05/13/22 | Closed with explanation | Yes | null | 5,557,329 |
03/14/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Ocwen Financial Corporation | FL | 33,178 | null | Other | Web | 03/14/22 | Closed with explanation | Yes | null | 5,320,553 |
03/24/22 | 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. | FL | 33,418 | null | Consent not provided | Web | 03/24/22 | Closed with explanation | Yes | null | 5,363,503 |
06/09/22 | Mortgage | Home equity loan or line of credit (HELOC) | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | NC | 27,526 | null | null | Referral | 06/09/22 | Closed with explanation | Yes | null | 5,651,548 |
07/23/22 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | BSI Financial Holdings, Inc. | FL | 33,952 | null | Consent not provided | Web | 07/23/22 | Closed with explanation | Yes | null | 5,803,011 |
03/17/22 | 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 | TRUIST FINANCIAL CORPORATION | MD | 20,732 | Servicemember | Consent not provided | Web | 03/17/22 | Closed with explanation | Yes | null | 5,336,547 |
03/14/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Flagstar Bank, N.A. | CO | 80,012 | null | Consent not provided | Web | 03/14/22 | Closed with explanation | Yes | null | 5,314,050 |
03/11/22 | Mortgage | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | null | null | null | FIFTH THIRD FINANCIAL CORPORATION | FL | 34,210 | Older American | null | Referral | 03/14/22 | Closed with explanation | Yes | null | 5,322,962 |
04/11/22 | 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 | Ocwen Financial Corporation | CA | 92,376 | null | null | Postal mail | 04/11/22 | Closed with explanation | Yes | null | 5,432,996 |
03/15/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | Ocwen Financial Corporation | TX | 77,338 | null | null | Postal mail | 03/15/22 | Closed with explanation | Yes | null | 5,324,497 |
04/01/22 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | Real Time Group, Inc. | CA | 90,807 | null | Consent not provided | Web | 04/28/22 | Closed with explanation | Yes | null | 5,397,692 |
03/10/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | FL | 33,596 | null | null | Referral | 03/10/22 | Closed with explanation | Yes | null | 5,308,184 |
03/14/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | BSI financial let our flood policy lapse.
They could not get proof of insurance from our insurance agent ( XXXX XXXX ) and sent me a letter saying they were going to have to buy us expensive insurance and that there would be a lapse in coverage.
We had maintained all mortgage/escrow accounts to date, no late or missed payments.
Said they had reached out multiple times to the agents office.
I called the agent and they said had never heard from BSI about any needed documentation.
A month went by.
I followed up weekly, was getting very concerned because flood policy was in grace period technically already lapsed.
I had already contacted flood insurance company and confirmed we had a policy paid in full. But BSI couldnt disperse escrow payment for upcoming year because we dont even know who your XXXX insurance company is XXXX?!
I finally got my XXXX insurance company to send a letter telling them who XXXX are so could at least have a payor on file.
XXXX.
Then got a hold of insurance agent to say why havent yall replied to BSI fax/letter inquiries to address the issue XXXX hrs later ( but after a literal month of painful phone calls, emails, and legwork I got the two parties to talk to each other ).
When all was said and done, asked all involved if this was typical for the mortgage/ homeowner industry.
They all said no categorically.
BSI is the worst company, hands down.
Their ineffectual business dealing left us uninsured for floods during peak hurricane season in a coastal town in SC.
Could have been catastrophic.
They still wont return emails or acknowledge sent documentation regarding escrow/taxes/etc.
They are impossible to work with. Always ask me to send emails to a wastebasket e-mail handle : XXXX No accountability.
Unprofessional.
Low internet ratings.
These people are the worst. I wish we could change services tomorrow. Even considered refinancing to pay higher interest rate/ closing fees just to not have to ever depend on these clowns again.
XXXX, XXXX | null | BSI Financial Holdings, Inc. | SC | 29,464 | null | Consent provided | Web | 03/14/22 | Closed with explanation | Yes | null | 5,312,158 |
04/28/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | OK | 73,160 | null | null | Referral | 04/29/22 | Closed with explanation | Yes | null | 5,517,900 |
03/15/22 | Mortgage | Reverse mortgage | Struggling to pay mortgage | null | null | null | Peer Advisors, LLC | MD | 21,234 | null | Other | Web | 03/15/22 | Closed with explanation | Yes | null | 5,327,636 |
04/20/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | From XXXX to XX/XX/2018 the lender, in 19 telephone calls, lied 18 times. They told the truth in call 19. They were pretending to entertain the possibility of loan modification. This was false, they admitted on the 19th call. I then sold the house in XXXX. They were told this and refused to cooperate with a payoff amount for four months. then they foreclosed on XX/XX/2018. | null | BSI Financial Holdings, Inc. | CA | 91,754 | null | Consent provided | Web | 04/20/22 | Closed with explanation | Yes | null | 5,473,152 |
04/20/22 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | In XX/XX/XXXX I was affected by covid which resulted in a loss of income. I called my mortgage servicer XXXXLake View Mortgage asking for options to avoid falling behind on my mortgage. I was told I qualified for forbearance and was placed on forbearance. In XXXX once I was permanently placed back on full time status I was told I qualified for a loan modification. In approximately XX/XX/XXXX I started the modification process. I called XXXX every month to check on the status of my modification. Thru-out the entire process I was told that I qualified and would be paying about {$650.00} per month for 30 years. I was assured my mortgage loan would not fall into delinquent status while going thru the modification process. I continued to call monthly for updates and was always told my modification was just taking longer than necessary and not to worry because my loan was in good standing. In XX/XX/XXXX I called again and was told my modification would be completed within the week and I should call back to get the update. At no time was I told my modification would be denied. On XX/XX/XXXX I once again called for an update and was told that my modification was declined and that I had until the end of XX/XX/XXXX to make a {$28000.00} payment in full or my loan would be considered delinquent.
I asked for written notification and was told I needed to wait a week or two for the notice. I asked for other options and was told none were available and if I don't abide with the {$28000.00} payment by the end of the month my home would go into foreclosure.
I called back on XX/XX/XXXX and once again asked for an update and questioned the modification process. I couldn't understand how my mortgage loan is 2 weeks away from going into delinquent status without me receiving written notification of my loa modification denial or forbearance cancellation? How can my mortgage loan be placed in delinquent status as of XX/XX/XXXX without any supporting documentation?
Also I tried to make mortage loan payments several times, I was told that I did not need to make payments during modification processing but when I tried to make payments on-line I was unable to make any payments. When I called to ask if I can mail in payments I was also denied. Denied to make my mortgage payments? Is this legal?
I feel my mortgage company is forcing me into delinquent status and is now threatening to take my home away without providing me any other options or solutions.
I feel this is deceptive and unethical. What I find more disturbing is the fact I am one of thousands facing this same problem.
I asked why was I in this position after being told repetitively that I didn't need to worry because I was protected during the entire modification process. I called every month to ensure my mortgage loan was in good standing, and each time I called I was told my mortgage loan was current to date.
Then within 2 weeks on XX/XX/XXXX I'm told as of XX/XX/XXXX my loan would go into default and delinquent status. How does this happen?
I feel all parties involved in the process used very deceptive practices and have not provided me sufficient notification or the opportunity to try to obtain {$28000.00} to pay my forbearance balance.
Will it be legal if I receive my notice of denial at the end XX/XX/XXXX and asked to pay {$28000.00} by XX/XX/XXXX, with no grace period?
At no time did I receive a call from my mortgage company regarding updates on the status of my modification, nor ask me for any additional information. I personally initiated all contact and followed all procedures to avoid having any of these issues. Each and every time I called I was made to feel my loan modification was guaranteed and I was repeatedly assured everything was fine.
Please help me, I am an honest hardworking person and I do not deserve this. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | LAKEVIEW LOAN SERVICING, LLC | HI | 96,792 | null | Consent provided | Web | 04/20/22 | Closed with explanation | Yes | null | 5,475,735 |
03/29/22 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | On or about XX/XX/2021 I was denied for a mortgage by Rocket Mortgage and received a denial from the loan officer XXXX XXXX XXXX XXXX # XXXX. I was told I was approved and given an approval only to find out 20 days before closing that my loan was declined. When I call the Loan Officer, she could only tell me that they ( Rocket Mortgage ) could not do the mortgage with no other information requested that I could provide. To this date, I do not know why I was declined. I failed to get the home that I wanted to purchase and received the denial with little information provided. I lost that home. | null | Rocket Mortgage, LLC | TX | 78,155 | null | Consent provided | Web | 03/29/22 | Closed with explanation | Yes | null | 5,381,123 |
03/28/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Dovenmuehle Mortgage, Inc. | IL | 60,126 | Older American | Consent not provided | Web | 03/28/22 | Closed with explanation | No | null | 5,377,348 |
03/26/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Select Portfolio Servicing Company told me that I owed over {$3000.00} and that I would soon be facing foreclosure even though I was in forbearance and that I had been making my payments. I was very scared. I called XXXX XXXX XXXX on XX/XX/2022, a conversation which XXXX XXXX XXXX and partially Select Portfolio Serving recorded. Select Portfolio Servicing tried to explain why I owed so much money etc. I also made a complaint # XXXX.
Today XX/XX/2022, I called Select Portfolio Servicing and they have completely changed their story. Please listen to their new story which you will find attached. I suddenly only owe {$1200.00} for XXXX and that is only because I was tricked by SPS into ending my forbearance early by SPS ( see complaint # XXXX ). I am not facing foreclosure. Thank goodness except guess what they put me in so much stress. My mother made extra payments to them for no reason and I am very upset that they thought it would be okay to take advantage of anyone like they just tried to. Not to mention to me, a person who is XXXX XXXXXXXX and who was deemed to be too XXXX XXXXXXXX to handle their own check book by the Social Security Administration. | Company believes it acted appropriately as authorized by contract or law | SELECT PORTFOLIO SERVICING, INC. | CA | 94,607 | null | Consent provided | Web | 03/26/22 | Closed with explanation | Yes | null | 5,369,753 |
04/11/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Dovenmuehl Mortgage has been entirely negligent on my escrow account.
I got a notice in XXXX from my COUNTY that my taxes hadn't been paid. I emailed and faxed Dovenmuehl copies of the notices in XXXX, XXXX and again in XXXX of XXXX because it still wasn't resolved. Dovenmuehle never responeded to my emails or faxes other than auto-replies to my email ( " we've received your email '' ) and I have fax confirmations. I assume it's been fixed by now ... .but, who knows.
Then, I got a notice this month ( XXXX, XXXX ) that Dovenmuehl also failed to pay my CITY taxes. The notice from my city included a threatening letter of placing a lien on my property. I called Dovenmuehl today ( XX/XX/XXXX ) to check the status. While on the phone, the rep from Dovenmuehl acknowledged that they, too, had received notice from my CITY that the taxes were unpaid. She further said that she didn't know why ( a ) they didn't pay them in the first place or ( b ) why they hadn't taken action upon getting the UNPAID notice. It's unbelievable. Then, she said it would be 10-days to process the payment which I told her was unacceptable. She claims that she's expidited it for a 3-day turnaround.
I have no faith whatsoever in this company. I had to call them in XXXX, XXXX, XXXX, XXXX and XXXX to follow up with them on their errors on my taxes.
During these months, they also held one of my payments in suspense claiming that they had my escrow amount wrong. I was NEVER notified of a needed payment adjustment. And, they did not make a partial payment with the check I sent. I only caught the payment being not processsed when I went to reconcile my account at month end. I had to sent a new payment. I never received an invoice or notice from the company that my payment had changed OR that my payment wasn't able to be processed.
It is SO STRESSFUL to worry about my house payment and taxes being made each month. My credit score is excellent ( XXXX ). I am NEVER late on payments. But, I can't control what this incompetent mortgage company does.
TERRIBLE TERRIBLE TERRIBLE experience. | null | Dovenmuehle Mortgage, Inc. | GA | 30,030 | null | Consent provided | Web | 04/11/22 | Closed with explanation | Yes | null | 5,435,288 |
03/21/22 | Mortgage | Other type of mortgage | Struggling to pay mortgage | null | null | null | 21ST MORTGAGE CORP. | TX | 79,762 | null | null | Phone | 04/08/22 | Closed with explanation | Yes | null | 5,349,319 |
04/09/22 | 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 | REGIONS FINANCIAL CORPORATION | GA | 30,087 | Older American | Consent not provided | Web | 04/09/22 | Closed with non-monetary relief | Yes | null | 5,427,415 |
04/11/22 | Mortgage | VA mortgage | Struggling to pay mortgage | null | Greetings, My lender has purposely been stalling with first false information and now things that affect my personal credit and Morgage stability.
I needed time to get my finances in order due to covid issues so I took advantage of the covid relief program. My lender never stated it would require a loan refinancing.
My current lender has been stalling with sending me the paperwork which unfortunately it goes through only one person. Only one person at the company seems to be capable in writing this paperwork. I have called numerous times without success of reaching someone AND getting anything done.
I finally received the documents and had little understanding of how it should work and I began to sign before I realized it needed to be done before a notary. I have not been able to get in contact with my lender again directly for more papers as the clock is ticking away. Each time I call I must leave a voicemail or the customer service rep leaves one and I never get a call back or the message never gets sent off to resend these documents. This is beyond frustrating and negatively impacting my finances & credit stability.
I was charged additional fees and interest that I do wish to be removed because of this aswell.
I have provided proof of XXXX XXXX tax XXXX exemption for XXXX veterans and this company never clarified how that affects my Morgage payments or escrow directly. Its almost as if someone is tucking the extra payments away for themselves. | null | BSI Financial Holdings, Inc. | NC | 28,312 | Servicemember | Consent provided | Web | 04/11/22 | Closed with explanation | Yes | null | 5,435,013 |
06/14/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I am asking for your help in trying to determine how the {$80000.00} was tagged on to this mortgage. I filed bankruptcy in XXXX and was unable to pay my mtge for one year I believe. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since then, I have had this mortgage bought out by several different firms and transferred without any choice of my own. I have asked each company for an explanation of this additional {$80000.00}. How can they tag on {$80000.00} FOR ONE YEAR OF NO PAYMENT???? Can you tell me who I can seek help from on this? Someone who will investigate where this occurred and why and explain to me how this can happen to a XXXX citizen in Florida and where do they go for help. I am hearing so much mortgage fraud and wonder if I am a victim. I would appreciate any help you can give me, my husband is XXXX on social security and I am still working at XXXX so we can make ends meet and we want to be able to live on a fixed income. Our home is our only asset having lived in this house for over 35 years, and this mortgage balance seems to never go down. | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | FL | 33,953 | Older American | Consent provided | Web | 06/14/22 | Closed with explanation | Yes | null | 5,666,607 |
04/20/22 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | We were supposed to close on our home on XX/XX/XXXX with Rocket Mortgage. The closing was delayed. Our rate was locked until XX/XX/XXXX. We called Rocket Mortgage to extend our rate lock. Rocket Mortgage stated that the rate was locked for 90 days. Unfortunately, we did not follow up for the paperwork. We came to find out that they did not lock the rate ( closing after 69 days ) and we have to pay a full percentage point more. At no point in time were we notified that the rate lock was expiring. The agent we are working with denies making any claim that the rate lock was extended. Either the agent was negligent in performing her duties, or provided misinformation to us. Regardless, their business practices are unethical and damaging. | null | Rocket Mortgage, LLC | NJ | 7,848 | null | Consent provided | Web | 04/20/22 | Closed with explanation | Yes | null | 5,472,667 |
04/26/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | SLS is dual tracking. SLS stopped processing the short sale last week because of the upcoming XX/XX/XXXX sale date. I had an appraisal scheduled on XX/XX/XXXX and on the same day of the appraisal, SLS cancelled it because of the XX/XX/XXXX sale date. SLS told me they would not have enough time to complete the short sale before the XX/XX/XXXX sale date. SLS is supposed to ask the court for more time in order to let me finish the application.
( i ) Requirements. If a servicer receives a loss mitigation application 45 days or more before a foreclosure sale, a servicer shall : ( A ) Promptly upon receipt of a loss mitigation application, review the loss mitigation application to determine if the loss mitigation application is complete; and ( B ) Notify the borrower in writing within 5 days ( excluding legal public holi days, Satur days, and Sun days ) after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. If a loss mitigation application is incomplete, the notice shall state the additional documents and information the borrower must submit to make the loss mitigation application complete and the applicable date pursuant to paragraph ( b ) ( 2 ) ( ii ) of this section. The notice to the borrower shall include a statement that the borrower should consider contacting servicers of any other mortgage loans secured by the same property to discuss available loss mitigation options. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Specialized Loan Servicing Holdings LLC | FL | 33,004 | null | Consent provided | Web | 04/26/22 | Closed with explanation | Yes | null | 5,501,062 |
04/04/22 | Mortgage | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | NATIONSTAR MORTGAGE LLC | NV | 89,149 | null | null | Phone | 04/04/22 | Closed with explanation | Yes | null | 5,405,749 |
04/19/22 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | Rocket Mortgage, LLC | CA | 90,045 | null | Consent not provided | Web | 04/19/22 | Closed with explanation | Yes | null | 5,469,416 |
04/18/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) | CA | 95,521 | null | null | Referral | 04/18/22 | Closed with explanation | Yes | null | 5,461,612 |
05/04/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | On XX/XX/XXXX I contacted Flagstar as I received a new statement increasing my mortgage payment from {$1600.00} to {$3400.00} due to real estate taxes. I submitted taxes for the year of XXXX since this was a new construction we only received one bill which was {$9000.00} but then I sent a corrected bill for {$8000.00}. My yearly tax is {$8000.00}. In XXXX the first installment is 55 % of {$8000.00}. The bill sent to {$4400.00} for first installment. The second installment is 45 % of {$8000.00}. {$3600.00}. This mortgage company is calculating my taxes to be $ XXXX. I called spoke to a supervisor and she said she would submit to the documents to escrow department to recalculate. They are adding the entire tax of XXXX and the first assessment of XXXX. I cant make the requested payment and Im afraid that my mortgage will desfavorable. I also reached out to a local flagstar originator and he was able to forward correspondence to me when I reached out to him. They didnt find any issues. It appears it wasnt escalated and sent to escrow department as I requested. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Flagstar Bank, N.A. | IL | 60,016 | null | Consent provided | Web | 05/04/22 | Closed with explanation | Yes | null | 5,541,869 |
04/07/22 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | Select Portfolio Servicing, Inc. ( SPS ) and XXXX XXXX, XXXX I sent a letter to SPS on XX/XX/XXXX requesting consideration for a short sale. They responded by saying I had to fill out the application online and submit the required information. I filed the application through their website on XX/XX/XXXX.
On XX/XX/XXXX I received notification stating that the application information was incomplete and that it had to be resubmitted within 90 days or I had to start over.
The information submitted WAS complete. I've had an attorney working with me to get a response from them and he resubmitted the info himself. Since that time I have received numerous form letters stating the same things over and over - " submitted documentation is insufficient or information is still needed ''. This has been going on for 8 months and I'm no closer to resolution than when I started. These letters are simply a stall tactic. I have also sent letters to XXXX XXXX, the CEO of XXXX XXXX and have simply been ignored. The letters were sent signed receipt requested and I have proof they were received. A letter was also sent to your office on XX/XX/XXXX and also went un-responded. I have an offer on the table for the sale of my home and I can't get anyone to respond or work with me on a resolution. | Company believes it acted appropriately as authorized by contract or law | SELECT PORTFOLIO SERVICING, INC. | FL | 32,082 | Older American, Servicemember | Consent provided | Web | 04/07/22 | Closed with explanation | Yes | null | 5,420,546 |
04/07/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) | IL | 60,564 | null | Consent not provided | Web | 04/07/22 | Closed with explanation | Yes | null | 5,416,223 |
03/17/22 | Mortgage | Conventional home mortgage | Incorrect information on your report | null | null | Company believes it acted appropriately as authorized by contract or law | SELECT PORTFOLIO SERVICING, INC. | NJ | 7,621 | null | null | Referral | 03/18/22 | Closed with explanation | Yes | null | 5,338,410 |
03/29/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | My mortgage was previously with XXXX XXXX and I had zero issues with them. In XXXX, they notified me my loan was transferring to Mr. Cooper XXXX XXXX XXXX XXXX and I should send my XXXX payment to them at XXXX XXXX XXXX, XXXX, TX XXXX. I had my XXXX mortgage payment sent to the new company and address as instructed through my XXXX XXXX XXXX online bill pay like I used to send my payments to XXXX. I can see an electronic image of the payment where it was deposited by the new company on XX/XX/XXXX but they still have not applied it to my account yet. I don't believe I received my first notification from the new company ( Mr. Cooper ) until around XX/XX/XXXX when I received a statement showing my payment had not been applied so I emailed the company on XX/XX/XXXX. After several of my emails were not responded to, I contacted the company by phone on XX/XX/XXXX and their representative, XXXX, contacted my bank with me on the phone to confirm the payment was sent, deposited on not returned. On XX/XX/XXXX, XXXX also had me email her supervisor, XXXX XXXX, the front and back electronic images of the check which I did on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX I sent follow-up emails to inquire about the progress and XXXX replied XXXX XX/XX/XXXX that he called me three times ( though he did not leave a voicemail and would not provide the number he allegedly called from when I asked since I didn't have three missed calls in my call log ) and on XX/XX/XXXX stated he wouldn't help me any further until I provide him with my entire bank statement which I let him know seemed like an invasion of privacy but I did provide him with my entire bank statement on XX/XX/XXXX to try to resolve the issue. After XXXX didn't reply to several more of my emails asking what the status was, what other steps I could take and if anyone else there could help I called again on XX/XX/XXXX and another representative told me XXXX hadn't opened a case or logged my bank statement so I had to send electronic images of both checks ( my XXXX and now XXXX payment ) and my entire bank statement again. She opened up cases XXXX and XXXX for me and told me they should be resolved no later than XX/XX/XXXX. I called on XX/XX/XXXX and they said there had been no update but XXXX would contact me XX/XX/XXXX or XX/XX/XXXX at the latest which he did not. I have been calling almost every day since and no one can help me or transfer me to someone who can, they all say I have to wait for XXXX who doesn't respond to my emails or call me back. They have had my first payment since XX/XX/XXXX and still haven't applied it to my account yet. They confirmed with my bank the payment was sent, deposited and not returned and I sent them the requested electronic images of the check on XX/XX/XXXX. All the representatives have told me once my 60 " grace period '' ( even though I paid on time ) is up, I will be reported to the credit agencies and assessed late fees which they SHOULD be able to reverse. The amount of money I used to pay XXXX and what I know owe Mr. Cooper has also increased slightly which they say is a result of an escrow shortage but I have asked for documentation showing that at least three times which they have not provided either. | Company believes complaint represents an opportunity for improvement to better serve consumers | NATIONSTAR MORTGAGE LLC | AZ | 86,001 | null | Consent provided | Web | 03/29/22 | Closed with explanation | Yes | null | 5,382,119 |
03/16/22 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | MONEY SOURCE, THE | GA | 30,311 | null | null | Referral | 03/21/22 | Closed with explanation | Yes | null | 5,349,006 |
03/17/22 | 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 | M&T BANK CORPORATION | TX | 77,354 | Servicemember | Consent not provided | Web | 03/17/22 | Closed with explanation | Yes | null | 5,335,534 |
03/10/22 | 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 | BANK OF AMERICA, NATIONAL ASSOCIATION | FL | 33,020 | Older American | Consent not provided | Web | 03/10/22 | Closed with explanation | Yes | null | 5,308,873 |
03/20/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | PENNYMAC LOAN SERVICES, LLC. | TX | 75,229 | null | Consent not provided | Web | 03/20/22 | Closed with non-monetary relief | Yes | null | 5,343,782 |
03/22/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | CA | 90,038 | null | null | Phone | 03/22/22 | Closed with explanation | Yes | null | 5,353,593 |
04/21/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | Ocwen Financial Corporation | TX | 78,572 | null | null | Referral | 04/21/22 | Closed with explanation | Yes | null | 5,478,322 |
03/17/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | We have a conventional mortgage through Homeside Financial LLC, serviced through XXXX XXXX. This will be our second year in our home and in early XXXX we received our Real estate tax paid receipt, which showed a paid amount of {$2400.00}. We also received our end of the year escrow analysis stating that our monthly mortgage payment would remain the same at {$1800.00}. All of that looked good. Until we received our XXXX mortgage bill and noticed that our Escrow account was in the negative by over {$10000.00}. When we called the county tax office, they stated that the taxes on our house were paid in full and that we would need to contact our mortgage provider for further details. We called them right away ( early XXXX ) and tried to get answers in regards to what happened and how we could get this resolved. I logged into our online account to find that there were 4 additional county tax payments made from our escrow account on properties that we do not own and do not have any relation to. The amounts are as follows ....
* {$6900.00} * {$2500.00} * {$1600.00} * {$100.00} We have been in contact almost everyday since early XXXX trying to get this taken care of and they keep " opening tickets '' to have this investigated but every time we call for an update, the completion date gets pushed farther and farther back with no answers. At the end of XXXX we received a " new '' Escrow analysis stating that we are short {$12000.00} and that our mortgage payment will be increasing to {$3900.00} on XX/XX/XXXX. Over double what we should be paying! We have done everything in our power since the beginning of XXXX to get this fixed before that higher payment would take effect but we still have no results. Every time we call for an update, we are only able to speak with their customer service department who reads the notes on the account, we are never able to speak with the same person. And as of this morning, XX/XX/22, we called for an update and find out that they are selling our mortgage and that we will have to pay the higher payment and wait for a refund as everything will be transferred to the new company. Completely unacceptable. | null | Brightfunders, LLC | SC | 29,651 | null | Consent provided | Web | 03/17/22 | Closed with explanation | Yes | null | 5,335,727 |
03/22/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | NC | 28,451 | null | null | Postal mail | 03/22/22 | Closed with explanation | Yes | null | 5,352,483 |
03/17/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | PENNYMAC LOAN SERVICES, LLC. | AZ | 85,027 | null | null | Phone | 03/17/22 | Closed with explanation | Yes | null | 5,335,609 |
07/07/22 | Mortgage | Other type of mortgage | Struggling to pay mortgage | null | I have been trying to have freedom mortgage to fix the paperwork on my mortgage to change the name I had gotten a divorce I had a divorce decree and a quick claim deed and still to this day I have not received the PaperWorks in the correct names this is that been going on for quite a while then Covid hit I lost my boss a job and had my son and his girlfriend living with me I fell on hard times I was told to the mortgage company that there was a full branch plan that I could get into and I could refinance my loan without any credit check which took my payment to {$480.00} then the program came out from XXXX XXXX I applied for that because at that time I was XXXX something behind on my mortgage then freedom mortgage had sent information to the XXXX HAS stating that I was not in behind on my mortgage that my payment was going to be pushed to the back of my line now for some reason or another they took me off of the for XXXX XXXX and my mortgage went up to XXXX and something dollars I have had nothing but problems with this company is trying to get the PaperWorks corrected signed notarized and sent back they keep saying every time I call they need this paper they need that paper then they say oh yeah well we found it here Ill submit it to them telling them in the underwriter department that it is here well still to this day I have no correct PaperWorks to sign and I dont know whats gon na go on as far as the XXXX program if I can get any help now because now XXXX and something dollars in the rears on my mortgage so I really need help with this company this mortgage company Freedom Mortgage has been nothing but headache after headache after headache each person I talk to gives me a different story different information and still some of them say they need this paperwork that paperwork and that they was also going to bring it to a supervisor I have yet to receive a phone call from any supervisor stating that the issue was fixed and I will be receiving the PaperWorks upon requesting an appointment with a notary so that the papers can get notarized | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | PA | 19,508 | null | Consent provided | Web | 07/07/22 | Closed with explanation | Yes | null | 5,744,851 |
07/13/22 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | NATIONSTAR MORTGAGE LLC | IN | 46,360 | Servicemember | null | Phone | 07/13/22 | Closed with explanation | Yes | null | 5,769,504 |
04/01/22 | 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 | 77,469 | null | null | Postal mail | 04/01/22 | Closed with explanation | Yes | null | 5,394,125 |
07/07/22 | Mortgage | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | NY | 11,692 | null | Consent not provided | Web | 07/07/22 | Closed with explanation | Yes | null | 5,744,352 |
06/23/22 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | CARRINGTON MORTGAGE SERVICES, LLC | MD | 21,733 | null | Consent not provided | Web | 07/07/22 | Closed with explanation | Yes | null | 5,699,694 |
03/22/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Our original Mortgage was with XXXX XXXX Mortgage. In XX/XX/XXXX, we learned our loan was sold to Nationstar/Mr. Cooper. We sent our XXXX payment to Nationstar. We have confirmation from our bank that Nationstar cashed the check. We have confirmation from XXXX XXXX Mortgage, they never received the XXXX payment. I have been dealing with Nationstar since XX/XX/XXXX. I have XXXX email correspondences with this company and no one seems to be able to find out where our missing payment is. We are XXXX month behind in paying our mortgage because we are fearful if we pay up, they will never locate our initial payment and we will be our {$2700.00}. What appears to have happened is they misplaced or applied our check to another account by mistake, so they applied our XXXX payment to XXXX, our XXXX payment to XXXX, Our XXXX payment to XXXX. So it looks as if we are XXXX month behind and did not pay our XXXX statement. However, if properly applied we would be up to date. They have waived all late fees since XXXX when we first started this journey, but I get calls weekly from Nationstar 's Debt Collection agency.
In my correspondence to Mr. Cooper/Nationstar, I have asked them to flag our account for review and early on was concerned about adverse credit reporting requesting that a notation be made so that our credit would not be adversely affected.
Since XXXX, I have received frequent automated calls from Nationstar for debt collection, and my credit file has been flagged for late payment. On XXXX occasions, once after a XXXX and XXXX hold time, I spoke with a customer service representative who tried to channel me to the missing money research department, however, the robocall for debt collection continues to harass me. We want to get out of this mortgage and move to a more reputable company, but do not want to be out of our payment. Please help! Thank you for your time with this matter! | null | NATIONSTAR MORTGAGE LLC | IL | 60,449 | null | Consent provided | Web | 03/22/22 | Closed with explanation | Yes | null | 5,351,119 |
03/16/22 | Mortgage | FHA mortgage | Closing on a mortgage | null | I have a closing on my new home in 48hrs XX/XX/XXXX. In order to close on time, I need my Partial Claim Payoff Statement. I can only get my Partial Claim Payoff Statement from ISN if my lender Midland Mortgage has filed my Partial Claim in the HUD computer system. I have email confirmations from HUD & ISN stating Midland Mortgage has yet to file my partial claim in the HUD system. I have reached out to Midland Mortgage several times trying to get them to file my Partial Claim in the HUD system. Ive been making phone calls, sending emails, sending faxes and letters to Midland Mortgage since XX/XX/XXXX trying to get this resolved. I need Midland Mortgage to file my Partial Claim in the HUD computer system immediately so that ISN can generate my Payoff statement and I can close on time this Friday XX/XX/XXXX Loan XXXX FHA Case XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | MIDFIRST BANK | TN | 37,075 | Servicemember | Consent provided | Web | 03/16/22 | Closed with explanation | Yes | null | 5,329,302 |
05/27/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | Fay Servicing, LLC | OH | 43,123 | null | Consent not provided | Web | 05/27/22 | Closed with explanation | Yes | null | 5,607,984 |
08/23/22 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | During my mortgage process, my lender ( Inspire Home Loans ) representative promised that the builder 's incentive is going to be {$10000.00} if I use builder 's affiliated lender ( Inspire Home Loans ). When I was in the process of shopping for the mortgage, Lenders representative ( XXXX XXXX ) sent me a side-by-side comparison which included {$10000.00} in builder 's credit. ( Supporting documents are attached ). I reconfirmed with XXXX that the contract that I signed showed {$5000.00} in builder 's credit but she reaffirmed that the builder 's credit has been increased to {$10000.00} to keep the buyers inhouse. I received my final closing disclosures on XX/XX/XXXX which included {$9200.00} in builder incentives and {$1000.00} in lender 's credits. However, lender changed those disclosures at the closing, and I was not informed about that. Lender reduced the builder 's credit to {$5000.00} and manipulated it by applying my real estate agent 's commission as a credit. We had multiples emails exchanged between lender, builder, title agency and realtor and it was confirmed by lender that we can not use realtor 's contribution as builder is contributing up to $ XXXX in incentives.
Lender keeps denying this fraudulent activity and didn't initially replied to any of my emails and refused to issue the remaining credit of $ XXXX.
I have attached a copy of disclosures that we signed before closing on XXXX 2022 as our final closing disclosures. Page 2 shows {$6800.00} & page 3 shows {$2300.00} for a total credit of {$9200.00} from the seller.
These disclosures also show full commission of {$9800.00} on page 2. | null | Parkway Financial Group, LLC | TX | 77,493 | null | Consent provided | Web | 08/23/22 | Closed with explanation | Yes | null | 5,910,190 |
05/02/22 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | I have had issues with loan care mortgage where they will not remove a name from deed/title due to the fact that I have a gifted deed instead of a quick claim deed. I have went into foreclosure because I was unable to sign the loss mitigation documents they sent me with both names on it. I have told the company multiple times over the last 8 months that I can continue with the process if they just update there side of the documents that are updated with state and county courts but they won't except it. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | LoanCare, LLC | VA | 24,236 | null | Consent provided | Web | 05/02/22 | Closed with explanation | Yes | null | 5,529,038 |
05/05/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | MIDFIRST BANK | TN | 38,141 | null | null | Web Referral | 05/09/22 | Closed with explanation | Yes | null | 5,551,566 |
04/18/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I received a letter XXXX from Cardinal Financial servicing, stating I was under investigation a year after closing my mortgage. It stated as of the date I closed I was no longer working for the same company. I was in fact working for the same company as I started the application under. I left the company about 2 months later. I tried to contact the company and was told as was my broker that they are in no way responsible for providing me or anyone else information as to how they came up to this conclusion. I feel it is my right to know why I am under investigation and have the information they obtained as evidence. | null | CARDINAL FINANCIAL COMPANY | NH | 3,874 | null | Consent provided | Web | 04/18/22 | Closed with explanation | Yes | null | 5,459,261 |
04/23/22 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Flagstar Bank, N.A. | CO | 80,550 | null | Consent not provided | Web | 04/23/22 | Closed with explanation | Yes | null | 5,486,743 |
03/14/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I wrote a formal letter on XX/XX/XXXX, requesting that Caliber Home Loans remove private mortgage insurance, as the LTV is now at 73 %. My husband and I have worked diligently to pay down the loan to 78 % LTV since we closed on our new home in XX/XX/XXXX.
We originally put 10 % down when we first purchased the home. We were able to make a large sum payment a month after our home purchase of $ 50k to get it down to 80 %. We've continued to paid it diligently and brought it down to 78 % but the PMI still isn't removed. My husband and I have both called in to ask customer service to remove it. Nothing has been done.
According to the amortization in my signed closing package it is removed at 77.78 % LTV. The website also says it is automatically removed at a 78 % LTV.
I've attached the letter I mailed and also submitted to them online requesting the removal of PMI ( this letter includes a copy of the original signed closing disclosure ). I've also attached our signed closing package with amortization schedule that shows when PMI is removed. I also attached the website print out explaining when PMI is removed. Lastly, I've attached a recent mortgage statement showing what our loan balance is currently showing. | null | Caliber Home Loans, Inc. | MA | 2,184 | null | Consent provided | Web | 03/14/22 | Closed with explanation | Yes | null | 5,321,255 |
03/14/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | This is a continuation from a previous complaint XXXX. I have been trying for nearly XXXX months to get my COVID relief foreberance ended and normal payments resumed. I am currently making a monthly payment of XXXX while they are " processing '' this deferral. I need this done ASAP so I can refinance this loan at a better interest rate with a lender who doesnt drag their feet for 7 months. XXXX months is waaaay too long for this process. | null | Caliber Home Loans, Inc. | OR | 97,603 | null | Consent provided | Web | 03/14/22 | Closed with explanation | Yes | null | 5,319,053 |
03/11/22 | Mortgage | VA mortgage | Trouble during payment process | null | Mr Cooper is PURPOSLEY misleading. They haven't addressed anything since my original complaints in XXXX. They provide no new evidence to support that they are losing documents, how documents are stored when asked directly, retrieval specific itemized of documents when requested, when asking the clarification of their own 3-5 business days for modification it has never been answered the last fifteen or so complaints MR cooper and its employees have attacked my character when after years lies i send a one vulgar disrespectful email when i have sent hundred of emails begging for explanations, to speak with a representative that will help only to be ignored so when one complains to the governing agencies and nothing is done and the company that is the perpetrator doesn't admit wrong doing and continues harm the consumer with its shady tactics. im afforded protections through the FTC AND FCC for phone calls MR cooper sends the same letter almost verbatim they sent last year and its considered a response but the threshold of the consumer is so great that it has to be a class action matter in order for justice to be done. i provided the same exact documents almost exactly at the same time with the PENNSYLVANIA HOMEOWNER ASSITANCE FUND who will pay XXXX allegedly .. Not once have i gotten a call or anything so this government agency must be as absentee as mr cooper is... NOOOO its that my documents were and are valid and MR cooper PURPOSULEY didn't take anything i provided into consideration... I also filed a attorney general complaint because of the CFPB ineptness to help and OBUDSMAN inability to respond timely and help and all they did was say they are only respond cause i basically have been harrassing them and they keep showing that one email BUT CANT PROVIDE THE HUDNREDS WHEN I BEGGED FOR HELP this the most shadiest company from everyone in customer relations escalations chief compliance officer modification SPOC etc its all the same they cover up and live in the courtroom | null | NATIONSTAR MORTGAGE LLC | PA | 15,131 | Servicemember | Consent provided | Web | 03/11/22 | Closed with explanation | Yes | null | 5,317,614 |
03/30/22 | Mortgage | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | null | I was in process of a cash out refinance with Wells Fargo on my home and have been given multiple options with completing the process, however the underwriter contacted me directly asking inappropriate personal questions about why I chose to move to the area of XXXX.
The next day ( today ) I was given unreasonable lists of documentation to submit that are not typical or necessary. I have over the amount of the pending mortgage at this banking institution and 4 times the amount of pending cash out in property. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | MI | 48,206 | null | Consent provided | Web | 03/31/22 | Closed with explanation | Yes | null | 5,387,863 |
04/15/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I have provied them 5 times the proof of insurance but still bank when a hed and they fet there insurance and bill me for the paymaent i did paid 2 payment but still bamk has reported in my credit report as a Delinquent account.
Can you please HELP me with probalm. | null | AXOS FINANCIAL, INC. | CA | 91,950 | null | Consent provided | Web | 04/15/22 | Closed with explanation | Yes | null | 5,453,208 |
06/23/22 | Mortgage | VA mortgage | Struggling to pay mortgage | null | Per Planet Home Lending in their response to my complaint filed with the Consumer Financial Protection Bureau : Planets investigation revealed that you initially submitted an online portal inquiry on XX/XX/XXXX. The submission was partially completed, however, did not indicate whether the disaster hardship was resolved or ongoing. Planet issued both acknowledgement and missing items letters ( enclosed ) on that same date. To proceed with a Disaster Modification, Planet must verify that the hardship was resolved, the borrower returned to work and with no negative long-term change in the household income occurring. Despite numerous attempts, we did not receive the required information. Therefore, on XX/XX/XXXX, a loss mitigation denial letter ( enclosed ) was issued.
My Response : The M26-4 5.06 ( 3 ) states The event, or circumstances that caused the default has been, or will be resolved, and is not expected to re-occur, so is Planet Home Lending seriously trying to say you were unsure if the hurricane had dissipated 3 months later?
Per Planet Home Lending in their response to my complaint filed with the Consumer Financial Protection Bureau : On XX/XX/XXXX, upon receipt of an online request from you, you were approved for an extension of the COVID-19 forbearance plan, which was good through XX/XX/XXXX. As an additional courtesy, Planet backdated the forbearance plan to XX/XX/XXXX, waived your late fees and ensured no negative credit reporting was furnished to the three major agencies pursuant to the CARES Act while you were on a forbearance. Therefore, you were provided with a COVID-19 forbearance plan for a total of 18 months, which is the maximum number permitted by the VA for loans with a COVID-19 hardship on or prior to XX/XX/XXXX.
My Response : 1. The company has in effect detailed another violation of the CARES ACT and VA Circular 26-21-04, as neither imply or expressly provide a mortgage servicer the authority to retroactively apply/backdate the application of a CARES ACT COVID-19 forbearance.
2. The document provided by the company on XX/XX/XXXX allowing a one month extension of forbearance makes no mention of a retroactive/backdated forbearance. See forbearanceml.pdf.
3. Whatever they do regarding the forbearance has to be requested by me per the CARES ACT and VA Circular 26-21-04. I never requested they retroactively apply the two months of remaining eligibility. It makes no sense. Why not apply it for XXXX and XXXX? Whatever alleged benefit ( lates fees and credit bureau reporting ) would of applied to XXXX and XXXX.
Ive called and emailed regarding the name, address, and phone number of the owner of my mortgage to no avail. Please provide the previously mentioned information for the owner of my mortgage. | null | PLANET HOME LENDING, LLC | FL | 32,951 | Servicemember | Consent provided | Web | 06/23/22 | Closed with explanation | Yes | null | 5,699,598 |
04/11/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Flagstar Bank, N.A. | VA | 22,101 | null | Consent not provided | Web | 04/11/22 | Closed with explanation | Yes | null | 5,433,737 |
04/23/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | We tried to recieve a lower interest rate back in XXXX with XXXX XXXX XXXX then sent our loan to another company who at that time told me to hold my payments and we did until they received our paperwork at that time they tried to foreclose on us then. We paid the money up and was fine then our loan was sold to shellpoint mortgage company and they told us to send our payments in and we did and they did it again. Then they did it again in XXXX and we paid them {$36000.00} through an attorney and we made 5 months of payments to them and in XXXX of XXXX they sent back 3 months work and at that time refused to talk to us so we back to our attorney and they wouldn't talk with him either and then covid hit and they never called or mailed us anything or to our attorney u til XXXX of XXXX and said we now owe XXXX in order to reinstate our loan whoch is nailing us with all these court costs and attorney fees all for nothing when they could have simply took our money I stead of mailing them back to us with the stamp NO on the post office checks. These people are mean and cruel to try and take an XXXX year Olds home when they have always paid there mortgage every month and never had any problems. Please help us before we are homeless with nothing we have worked for our whole lives. These people just don't want to work with anyone at all, and they lie cheat and steal homes from the American people and this needs to stop our health have gone down hill from all the stress and not knowings what we are facing. So please help us. Thank you | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | NC | 28,152 | Servicemember | Consent provided | Web | 04/23/22 | Closed with non-monetary relief | Yes | null | 5,486,751 |
04/12/22 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | I'm a XXXX old XXXX female & sole owner of my home. I got several months behind in XXXX due to covid. My housemate could no longer help & I struggled to get him out so that I could get someone in to help me financially. I finally got him out in XXXX of XXXX & my son moved in to help. From XXXX of XXXX to XX/XX/XXXX, I made consistent payments until my mortgage co ( Fay Servicing ) sent that payment back & informed me they would no longer accept anymore payments until I paid the arrearages of approx {$7000.00}. I had no way of catching up until I could apply for assistance thru the XXXX Program. I called Fay & was told I could file for Loss Mitigation so on XX/XX/XXXX, I faxed over XXXX pages of documents from XXXX XXXX. Weeks later I was informed that the application itself wasn't filled out so on XX/XX/XXXX, I faxed over XXXX pages & haven't gotten any response on my application, only monthly statements saying how much I owe including lawyer, title search & other fees. I've checked XXXX XXXX application dates to file but saw notices that they weren't accepting applications yet. I did inform Fay Servicing that I was waiting to apply so I could get caught up with arrearages but got no response. Also, adding that I was told to fax & forward all documents relating to Loss Mitigation application to XXXX XXXX which I did. Now I owe over {$14000.00} & still no reply about my application. I've emailed them & get no reply. Lately they call, let it ring XXXX time & hang up. I'm going thru multiple testing procedures for XXXX XXXX & the stress is XXXX XXXX XXXX because I'm scared of losing my home. I hope you can help get some answers. Thank you, XXXX XXXX | null | Fay Servicing, LLC | MD | 21,220 | Older American | Consent provided | Web | 04/12/22 | Closed with explanation | Yes | null | 5,438,050 |
04/07/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | XX/XX/XXXX our mortgage company was XXXX who in XX/XX/XXXX sold out moftgsge to Rushmore loans our payment was XXXX from when XXXX did a mortgage analysis every XXXX now Rushmore has changed our co tract did another Escrow Anaysis in XXXX which just increased our payment XXXX dollars how can they change our mortgage contract we need help they are predatory lender that dont follow rules we need someone to step in and tell them that they have to go by the contract that XXXX had by law and only do a escrow anaysis in XXXX/ XXXX the consumer is getting ripped off by these doings | null | RUSHMORE LOAN MANAGEMENT SERVICES LLC | MI | 48,848 | null | Consent provided | Web | 04/21/22 | Closed with explanation | Yes | null | 5,419,156 |
03/10/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | from XX/XX/XXXX to XX/XX/XXXX, I i paid the mortgage company a extra {$50.00} to {$75.00} a month thru the whole 12 months into my escrow account, and then paid a additional {$300.00} in XXXX of XXXX into my escrow account, I did this just in case my property taxes were to rise unexpectedly. When my property taxes came due, the check I got from the bank was roughly {$250.00} short of what the tax bill was, I called the bank and asked them why they did not release all of the money in my escrow account, and they said that was all the money I had in my escrow account. I know I have roughly about a {$1000.00} in overages in my escrow account, I called the bank, the lady i talked to did confirm i had a overage in my escrow account in the amount of {$1000.00} and would have the accounting department issue a check for me in that amount. 3 weeks later, i recieved a check in the mail from us bank in the amount of {$340.00}. This amount is signifigantly smaller than what they had told me was in my account. i also was checking out the balance of my escrow account throught the year, and thought it was strange that after the end of XXXX, my escrow account was not growing, even tho i was still adding money to my escrow account. I called us bank and they said, oh yes, it is still growing, even though the statement did not reflect otherwise. i called us bank and asked them why the did not release the rest of the money, and they said that was all the overage they had. Every time i called them, it was a different story.
All i want is just what is owed to me, nothing more. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | WI | 53,406 | null | Consent provided | Web | 03/10/22 | Closed with explanation | Yes | null | 5,310,401 |
03/15/22 | Mortgage | FHA mortgage | Trouble during payment process | null | First and second forbearance plan.
Hi my name is XXXX XXXX XXXX and this is my second complain about freedom mortgage and this forbearance plan.
The reason why Im writing to you is that my mother and father in law keep applying for this forbearance plan without my consent. Since the first forbearance which was in XXXX of XXXX, I didnt know we were going through this program and unfortunately, I found out on XXXX XXXX, I was never told by either my in laws and freedom mortgage about them on this program until the date Ive mentioned above. I am a borrower to this loan and thanks to me, we were able to get the home out and Im part of the deed and the loan. Freedom mortgage failed to contact me when the loan was Transfered to them in XX/XX/XXXX about any situation regarding the home situation. This is very unacceptable.
Also, freedom mortgage hasnt answered any of my questions. Ive contacted freedom mortgage through there online system which they have refused to answer any of my questions and concerns. Here are some examples of what Ive sent them, you say, XXXX, XXXX XXXX, and XXXX XXXX signed a legally binding contract with the creditor. Amendment of any contract requires agreement by all parties ( including the creditor ). I want a copy where it says that. This forbearance was suppose to end on XXXX XXXX, why was it extended from XX/XX/XXXX to XX/XX/XXXX and without my consent? I was told that if there needed to be extension you would need my consent to do so which I didnt approve. This is a surprise to me that you ( freedom mortgage ) are continuing to do but you continue to approve without my approval? I didnt know about the other people doing this an was never told. You know that I barely found out about all this on XX/XX/XXXX.
why was this second forbearance approved? I have every right to know. I didnt consent to it at all an we all must be be in agreement but were not if the first forbearance plan was accepted without almost nothing and they got qualified for it without any paper work or agreements? How did this second forbearance plan worked? I would like copies of any signed document recording because I have every right to ask an have those documents or recordings. This second forbearance had to had some kind of agreement as I was told by most of your representatives that they wouldnt give an extension without having me involved.
Another example is, for the sake of clarity regarding the loan forbearance program, the cares act/ freedom mortgage does not require the approval of every borrower to enter in the forbearance program? I understand that no signature is necessary, but I never agreed to enter the loan forbearance program in either instance. Did either of my co-borrowers represent to your company in any way that I agreed in either the original application or the extension? If so I need all copies of any records showing that you had my consent.
All freedom mortgage say, we apologize that you did not receive the forbearance plan agreements at the time of the approval. This makes me feel that they are ignoring me. Also, that they went through with this either first or second forbearance without my consent an approval. To be honest there apologize wont change what has happened Especially them not getting in contact with me when the delinquency of the house was happening in XX/XX/XXXX. Ive mentioned before I could of done something about it but XXXX and XXXX XXXX denied for me to do anything on XXXX XXXX.
Theres a sent message on XX/XX/XXXX which says to freedom mortgage, thank you for your response. Unfortunately, freedom mortgage failed to directly answer any of my questions. Can you please review my previous email and provide direct answers?
Which are the examples above this email.
I wanted to ask you if you could please ask freedom mortgage to answer my questions Above? I really need them to stop this extension for forbearance or if it keeps on going they must stop because they have no consent on my part at all. This has been very stressful for me and I cant believe that freedom mortgage is still thinking its okay. I dont agree with them or my in laws at all. They havent even made any payments even when they are in this forbearance plan. I feel they are taking advantage of this program an I dont think its right at all plus they are taking advantage of me and I certainly dont agree with this at all.
Sincerely, XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | CA | 94,019 | null | Consent provided | Web | 03/15/22 | Closed with explanation | Yes | null | 5,322,795 |
03/14/22 | 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 | Specialized Loan Servicing Holdings LLC | NJ | 8,512 | null | Consent not provided | Web | 03/14/22 | Closed with explanation | Yes | null | 5,319,609 |
03/18/22 | Mortgage | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | Freedom Mortgage has not replied to all my concerns from a letter received.
I Demanded for a copy of my original contract. ( this is was ignored in their response letter dated XXXX XXXX ) I demanded new Loss modification documents for signature. ( They send a copy of the OLD loss mitigation papers originally dated XX/XX/XXXX with an effective date of XXXX XXXX and first payment due XX/XX/XXXX ) This original request was received XX/XX/XXXX which is already past the 30 day deadline. This company has since then received a second letter that was received XX/XX/XXXX ( XXXX certified # XXXX ) once again asking for the same information ) | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | MD | 21,236 | null | Consent provided | Web | 03/18/22 | Closed with explanation | Yes | null | 5,339,874 |
05/19/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | JPMORGAN CHASE & CO. | NY | 10,706 | null | Consent not provided | Web | 05/19/22 | Closed with explanation | Yes | null | 5,579,318 |
03/16/22 | Mortgage | FHA mortgage | Closing on a mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | SC | 29,483 | null | Consent not provided | Web | 03/16/22 | Closed with explanation | Yes | null | 5,330,932 |
05/13/22 | Mortgage | VA mortgage | Trouble during payment process | null | In XX/XX/2022, we received notice that our insurance had gone up and our escrow would face a shortage. We were advised by Freedom Mortgage that in order to prevent a shortage, our monthly mortgage would be increased from {$2700.00} to {$3100.00}. Or, we could make a one-time escrow payment of {$3000.00}. We called and informed our mortgage company, Freedom Mortgage, that we would be making the one-time of XXXX, sometime in XXXX, 2022. In XX/XX/2022, we sent to Freedom Mortgage a check for our regular payment of {$2700.00}. We were never informed that there was also an increase in the monthly mortgage payment regardless of the fact that we made the one-time payment to the escrow for the shortage. According to our bank, XXXX XXXX XXXX, the payment of {$2700.00} was cashed on XX/XX/2022. Shortly thereafter, we sent an additional check to XXXX XXXX in the amount of {$3000.00} for the escrow shortage. The {$3000.00} check was cashed according to our bank, on XX/XX/2022. The check for {$3000.00} was an incorrect amount. The check should have been for {$3000.00}. On XX/XX/2022, we realized our mistake and we called Freedom Mortgage to advise a check for {$49.00} was already in the mail. From that call we were transferred to XXXX XXXX to further assist us. XXXX XXXX stated that she was an Escalation XXXX and that she would be helping us to resolve any issues. She informed me that our payments were incorrect in that our new payment regardless of the fact that we paid the escrow shortage, would be {$2800.00}. We were never informed via letter or any other form other of communication about the increase in the monthly mortgage payment until we spoke with XXXX XXXX on the Phone on XX/XX/2022. At the time of the conversation with XXXX XXXX, XXXX XXXX advised that we need to make a payment of {$430.00} for various reasons and to apply to certain things including the {$49.00} that we were short of on the escrow check. We made an over the phone payment to XXXX XXXX on XX/XX/2022 and advised her that when the check that we sent out for {$49.00} is received, she could just apply it to our account. We advised XXXX XXXX that we also had a late charge on our statement that should not be there. Our mortgage was received and paid on time in XX/XX/2022. We also stated that perhaps someone confused the mortgage payment with the escrow payment which was received and cashed after the mortgage grace period of XX/XX/2022. XXXX XXXX stated that she would have the late charge removed ; and she did. We also advised XXXX XXXX that our mortgage statement for XX/XX/2022 and it states they we owe approximately {$6000.00}. XXXX XXXX advised that we should ignore the XXXX statement because everything has been straightened out. Shortly after XX/XX/2022, my husband and I checked our credit reports and we discovered that Freedom Mortgage has reported us as being late 30 days in XX/XX/2022. We notified Freedom Mortgage of the 30 days late that they reported to the credit bureaus and of the fact that our XXXX Mortgage statement also says that we owe {$6400.00}. We the notification thru XXXX XXXX via email and she stated in her return email that Freedom Mortgage has us reported as paying on time and again we should ignore the XXXX mortgage statement because perhaps the paperwork has not caught up with the account. We have received the XXXX late payment information for XX/XX/2022 that Freedom Mortgage notified XXXX and XXXX as early as yesterday, XX/XX/2022. XXXX XXXX 's statement is incorrect. Freedom Mortgage has sent an answer to our first complaint that we filed with you stating when this or that payment was made, but they have not addressed nor corrected the issue of reporting us as being 30 days late in XX/XX/2022, to the credit bureaus, when they indeed cashed our XX/XX/2022, monthly mortgage payment check. My husband and I are both seniors whose health is not the best. These unnecessary issues cause us undue stress. We have always made our mortgage payments as we should not be reported as late when that is not so. Freedom Mortgage has cashed every one of our checks every month with no exceptions or skipping of any month. I have the bank records to prove this point. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | FL | 34,990 | null | Consent provided | Web | 05/13/22 | Closed with explanation | Yes | null | 5,562,584 |
05/02/22 | Mortgage | VA mortgage | Trouble during payment process | null | null | null | Rocket Mortgage, LLC | AR | 72,756 | Older American, Servicemember | Consent not provided | Web | 05/02/22 | Closed with explanation | Yes | null | 5,529,048 |
04/02/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | This institution ( Huntington Bank XXXX has had trouble processing our loan payments since fall 2021. They acquired this mortgage as part of a merger/account taken over from TCF bank XXXX Up until that point the payments had been made on time without difficulty. Shortly after Huntington 's involvement, our payments began being processed and then returned as unpaid. I have spoken with them on at least 4 occasions trying to figure this out, resubmitting payments, etc. We have the money to pay our payments, in fact the loan is almost paid off and we could do that, too -- if they could process our payments. At one point I spoke to someone from Huntington on the phone and they were able to process 3 past-due payments that were NOT subsequently returned, so I know it is possible. But then when I made the payment for the next month, it was again returned and they began calling wanting to know when we were going to pay.
In the meantime, Huntington Bank has reported the late payments to credit reporting agencies which has had a significant negative impact on both of our credit scores, which were over 800 prior to our forced involvement with Huntington Bank. | null | HUNTINGTON NATIONAL BANK, THE | MI | 49,307 | null | Consent provided | Web | 04/02/22 | Closed with non-monetary relief | Yes | null | 5,398,552 |
07/06/22 | Mortgage | Reverse mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | MIDFIRST BANK | DE | 19,702 | Older American, Servicemember | null | Phone | 07/06/22 | Closed with explanation | Yes | null | 5,742,306 |
03/24/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | PHH Mortgage Services at XXXX XXXX XXXX, Mt XXXX XXXX XXXX, charged me {$2000.00} on the back end of my mortgage from an forbearance that I had taken. My balance was {$15000.00} left on the back end, I try to do a payment plan but they told me I had to refinance through another bank. From XXXX I was charge per day interest at 2 % ON {$15000.00}. I wrote the mortgage company and asked for a broke down of the charges and received a letter stating that I needed to pay the interest and to have it wired through a bank.
I need to know what calculation was use for the balance on {$15000.00} that I had to pay {$2000.00} at 2 % my math is totally different from what they charged. | null | Ocwen Financial Corporation | PA | 15,085 | Older American | Consent provided | Web | 03/24/22 | Closed with explanation | Yes | null | 5,364,452 |
04/04/22 | 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 | Atlantica, LLC | PA | 15,636 | null | null | Referral | 04/04/22 | Closed with explanation | Yes | null | 5,403,431 |
Subsets and Splits