{"took":706,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":518,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"19364737","_score":20.00799,"_source":{"product":"Mortgage","complaint_what_happened":"I am filing this complaint because Wells Fargo Home Mortgage refused to issue the escrow balance check due to me upon the sale of my property in 2023, even after acknowledging me as Successor in Interest before the sale of my property, and accepting over XXXX in mortgage payments from me before after such acknowledgement and before my property was sold. \n\nI have documented in the attachment how Wells Fargo has tried to avoid the funds directly available to me by various means. \n\nI have filed numerous CFPB complaints. I am filing this complaint because in all of its responses so far, Wells Fargo Home Mortgage has failed to explain why it is in blatant violation of CFPB own regulations, specifically with regard to Successors in Interest under RESPA rules and Regulation X. \n\nI submit that in the handling of my cases and those of other Successors in Interest, Wells Fargo Home Mortgage continues to violate their obligations under Regulation X RESPA servicing rules.\n\nRegulation X 1024.30 ( d ) reads as follows : ( d ) Successors in interest. A confirmed successor in interest shall be considered a borrower for purposes of 1024.17 and this subpart.\n\nIt happens that 12 CFR 1024.17 deals specifically with Escrow Accounts and the servicing of Escrow accounts by lenders.\n\nCFPBs own commentary on Regulation X ( RESPA servicing rules ) reads as follows : 30 ( d ) Successors in interest.\n\n1. Treatment of confirmed successors in interest. Under 1024.30 ( d ), a confirmed successor in interest must be considered a borrower for purposes of this subpart and 1024.17, regardless of whether the successor in interest assumes the mortgage loan obligation under State law. For example, if a servicer receives a loss mitigation application from a confirmed successor in interest, the servicer must review and evaluate the application and notify the confirmed successor in interest in accordance with the procedures set forth in 1024.41 if the property is the confirmed successor in interest 's principal residence and the procedures set forth in 1024.41 are otherwise applicable. Treatment of a confirmed successor in interest as a borrower for purposes of this subpart and 1024.17 does not affect whether the confirmed successor in interest is subject to the contractual obligations of the mortgage loan agreement, which is determined by applicable State law. 2Communications in compliance with this part to a confirmed successor in interest as defined in 1024.31 do not violate section 805 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) because consumer for purposes of FDCPA section 805 includes any person who meets the definition in this part of confirmed successor in interest.\n\nGiven these facts, Wells Fargo Home Mortgage has every reason and obligation ( under the law and CFPB rules and interpretations of law ) to issue the Escrow Balance check in my name from the very beginning as a confirmed Successor in Interest on the loan without delay, and without asking for estate documents or a Small Estate affidavit.\n\nCFPB needs to consider the seriousness of this wilful and deliberate violation of CFPBs own regulations by a large mortgage lender, and the bad-faith obfuscation and prevarication in light of this obligation.\n\nLarge mortgage lenders know that there are many cases involving Successors in Interest where an expensive and lengthy probate process is neither required nor applicable. They furthermore know that there are states where Small Estate Affidavits can not be obtained. Therefore demands for probate documents or Small Estate Affidavits should be considered mechanisms to obstruct and delay ( in many cases, permanently ) the payment of funds due to Successors under Regulation X.\n\nI furthermore submit that Wells Fargo Home Mortgage should be investigated not only in my case but in the cases of other Successors in Interest as well, as my own personal research has produced anecdotal evidence that lenders like Wells Fargo Home Mortgage and other large lenders are violating the requirements of Regulation X {$1000.00} ( d ) systematically.\n\nI further submit that with the expectation that CFPB will soon lose funding, large predatory lenders like Wells Fargo Home Mortgage have been emboldened to brazenly violate not only the requirements of Regulation X {$1000.00} ( d ) but other CFPB and RESPA regulations as well, and that this should be cause for alarm to the public and to lawmakers.\n\nI will continue to file CFPB complaints until such time as Wells Fargo Home Mortgage directly addresses its obligations under Regulation X {$1000.00} ( d ). Given that Wells Fargo Home Mortgage is obligated under this provision to treat me effectively as the borrower with regard to all escrow servicing matters, they have yet to directly address why they have not done so as required by this provision.\n\nIf Wells Fargo Home Mortgage is claiming that it is not in violation of Regulation X {$1000.00} ( d ) in my case - and in the case of any Successors in Interest in my situation- it needs to make clear to CFPB and the public its legal justification for taking this position. Barring such a clear legal justification, any response from Wells Fargo Home Mortgage should be regarded as inadequate and evidence of predatory bad-faith prevarication and obstruction.","date_sent_to_company":"2026-02-09T21:06:31.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"32159","tags":null,"has_narrative":true,"complaint_id":"19364737","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-02-09T20:50:28.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["I <em>have</em> filed numerous CFPB complaints. I am filing this complaint because in all of its responses so far, Wells Fargo <em>Home</em> <em>Mortgage</em> has failed to explain why it is in blatant <em>violation</em> of CFPB own regulations, specifically with regard to Successors in Interest under RESPA <em>rules</em> and Regulation X. \n\nI submit that in the handling of my cases and those of other Successors in Interest, Wells Fargo <em>Home</em> <em>Mortgage</em> continues to <em>violate</em> their obligations under Regulation X RESPA servicing <em>rules</em>."],"product":["<em>Mortgage</em>"],"sub_product":["Conventional <em>home</em> <em>mortgage</em>"]},"sort":[20.00799,"19364737"]},{"_index":"complaint-public-v1","_id":"3551760","_score":19.229557,"_source":{"product":"Mortgage","complaint_what_happened":"I feel that my loan modification application has been decline and I feel discriminated because of my race and ethnicity and I also feel they are violating the Fair Housing Equal Opportunity Act Policy and Guidelines. \n\nI have summit my application and comply with all term and condition with all necessary document need to qualify more then 7 times. Lender and Services now setting a sale date on my property want lender and services to be investigate for mortgage discrimination and for violation of ( Mortgage Servicing Rules under the Real Estate Settlement Procedures Act ( Regulation X ) ( RESPA ) Wells Fargo home loans and XXXX XXXX ( servicer )","date_sent_to_company":"2020-03-03T06:43:56.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"34746","tags":null,"has_narrative":true,"complaint_id":"3551760","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2020-03-03T01:18:08.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Lender and Services now setting a sale date on my property want lender and services to be investigate for <em>mortgage</em> discrimination and for <em>violation</em> of ( <em>Mortgage</em> Servicing <em>Rules</em> under the Real Estate Settlement Procedures Act ( Regulation X ) ( RESPA ) Wells Fargo <em>home</em> loans and XXXX XXXX ( servicer )"],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[19.229557,"3551760"]},{"_index":"complaint-public-v1","_id":"3094763","_score":18.958647,"_source":{"product":"Mortgage","complaint_what_happened":"I purchased home and was being financed by Flagstar bank Michigan based loan services which had history of mortgage and loan modification violations since XX/XX/2018 up to present. soon after I purchased the home the second borrower has lost job and we have to apply for loan modification. The bank received loan documents and promised to give us help based on our income. after review of the loan Flagstar bank denied our modification. The primary reason for assistance is loss of income and they refused to help us in the 1st loan modification request. we did not give up however, struggled to pay monthly payment of {$2300.00} until the month of XX/XX/2018. during our missed payment Flagstar loan officer called us to help us and directed us to reapply and submit loan application along with required documents again. we did. they deny again saying that loan is not matured to one year and again send us letter to reapply when the home is 12 month. we again agreed with the bank and applied for the third time. They denied again. During our default we also found that Flagstar bank added {$1300.00} to our loan balance which we never aware of at all for the last six months and raised the payment to {$2400.00} which we realized that a violation of mortgage rule and make it difficult for us and trying to foreclose the home on us. loan modification is aimed to help active home owners who can not able to make payment due circumstances such as job loss like we had. Flagstar however depicted us for several months by offering false hope, harassing us to apply for assistance and intentionally drags us to foreclosures.\n\nThey failed to help us and threatening us to foreclose the home with out offering us options to solve the defaults with payment arrangement, forbreances, or loan modification. secondly they added up money we have not know the reason and made us vulnerable for foreclosure.\n\nI am writing to your office to investigate their violation specially violation of Dodd- frank wall street reform which is regulated by your office which is empowered by federal government. I also inform your that Flagstar bank does not made a fair decision and their judgment is unlawful, not substantial, not transparent, and doesn't not constitute federal mortgage rule and regulation practices. I declare this as act of discrimination and will continue to bring them to justice. Justice will prevail.\n\nThank you so much.","date_sent_to_company":"2018-12-08T07:21:53.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"55125","tags":null,"has_narrative":true,"complaint_id":"3094763","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Flagstar Bank, N.A.","date_received":"2018-12-08T01:23:18.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I purchased <em>home</em> and was being financed by Flagstar bank Michigan based loan services which had history of <em>mortgage</em> and loan modification <em>violations</em> since XX/XX/2018 up to present. soon after I purchased the <em>home</em> the second borrower has lost job and we <em>have</em> to apply for loan modification. The bank received loan <em>documents</em> and promised to give us help based on our income. after review of the loan Flagstar bank denied our modification."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[18.958647,"3094763"]},{"_index":"complaint-public-v1","_id":"1762561","_score":18.952204,"_source":{"product":"Mortgage","complaint_what_happened":"My name is XXXX XXXX. I own a home at XXXX XXXX XXXX XXXX XXXX XXXX Texas this house was bequeathed to me by my grandmother our family has owned it for XXXX generations. 5 years ago my Husband, who is serving a XXXX in the texas prison system, filled out an application using my name and my credit and my home and received a XXXX line of credit under the rules of a home equity loan from XXXX XXXX XXXX. He closed on this loan without advising me anywhere along the way. I never signed the application, the approval, the closing documents, I never received the cash nor did I attend the closing. They were all forged. I was not aware of this until the loan was transferred from XXXX XXXX XXXX to XXXX mortgage servicing llc. When he did not make payments on the loan., I attempted to explain this to XXXX . They took a application for a loan modification and said they would look into it. 60 days ago, after stalling for 2 years, they sold the loan to BSI Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX. BSI stated they would never give a loan modification. I filed the paperwork to apply for a modification anyway and they processed it. Without sending any notification I writing to me, they started a foreclosure against my home with a sale date of XXXX XXXX, 2016. When I asked my case manager why he did this, he stated that they turned me down for a modification. When I asked for an appeal process he ignored it. I was not allowed to go through the process of appeal per the 30 day rule. I sent a new package int XXXX XXXX and while it was in process he stated that they were going to foreclose regardless, but they would look at the paperwork. Today I received a letter that even though they were in violation of the dual tracking rules. I told the case manager, XXXX XXXX, about the violation and they said they did not have to follow it, I mentioned that I never got a judge 's order recorded to allow the home to be foreclosed on and he stated that BSI stripped the mortgage and and did not need any permission to foreclose. \nthis violated the Texas rules of civil procedure, the Home equity lending rules and the CFPB law about dual tracking. he would not even discuss the forgery. this complaint conerns the original application and forgery the settlement process of this loan without me signing or being present, the modification process and the foreclosure process.","date_sent_to_company":"2016-01-29T13:51:28.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Home equity loan or line of credit","zip_code":"78724","tags":"Older American","has_narrative":true,"complaint_id":"1762561","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Servis One, Inc., Titusville, PA Branch","date_received":"2016-01-29T02:39:57.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Today I received a letter that even though they were in <em>violation</em> of the dual tracking <em>rules</em>. I told the case manager, XXXX XXXX, about the <em>violation</em> and they said they did not <em>have</em> to follow it, I mentioned that I never got a judge 's order recorded to allow the <em>home</em> to be foreclosed on and he stated that BSI stripped the <em>mortgage</em> and and did not need any permission to foreclose."],"product":["<em>Mortgage</em>"],"sub_product":["<em>Home</em> equity loan or line of credit"]},"sort":[18.952204,"1762561"]},{"_index":"complaint-public-v1","_id":"2109374","_score":18.566448,"_source":{"product":"Mortgage","complaint_what_happened":"We submitted a loan modification request to Carrington Mortgage in XXXX. They sent a letter stating that they did not receive all of the documentation that they needed for the modification along with a list of missing documents. We sent the requested documents by email and uploaded them to the bank 's loan modification web page. I just received a letter today stating that we failed to give them the documentation that they requested in the time frame they requested it in. The time frame has not yet expired and the documents still are showing on their web site. In addition, we spoke to a member of their call center to confirm that they received the documents two weeks ago and they confirmed that over the phone. It is our contention that Carrington is not acting in good faith in this matter and is in violation of the Federal Rules governing this process as well as potentially committing fraud in an effort to steal our home. I have been out of work for six months and trying to get this taken care of. Their statements have always been that they want to help but it appears now that all they want to do is help themselves to our home.","date_sent_to_company":"2016-09-14T03:34:15.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"FHA mortgage","zip_code":"85037","tags":null,"has_narrative":true,"complaint_id":"2109374","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CARRINGTON MORTGAGE SERVICES, LLC","date_received":"2016-09-14T03:34:14.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The time frame has not yet expired and the <em>documents</em> still are showing on their web site. In addition, we spoke to a member of their call center to confirm that they received the <em>documents</em> two weeks ago and they confirmed that over the phone. It is our contention that Carrington is not acting in good faith in this matter and is in <em>violation</em> of the Federal <em>Rules</em> governing this process as well as potentially committing fraud in an effort to steal our <em>home</em>."],"product":["<em>Mortgage</em>"],"company":["CARRINGTON <em>MORTGAGE</em> SERVICES, LLC"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[18.566448,"2109374"]},{"_index":"complaint-public-v1","_id":"1777133","_score":18.505802,"_source":{"product":"Mortgage","complaint_what_happened":"CITIMORTGAGE IS STEALING MY HOME It 's Gone XXXX XXXX, XXXX ( Sale Confirmed XXXX XXXX, XXXX ) Confirmed Sale while working on a loan Mod In-scope borrower, Independent Foreclosure Review, wants the second part of the Agreement enforced to stay in home of 17 years. Payout was {$3700.00} and CitiMortgage has caused significant financial harm. \n1. First, the Complaint of the Foreclosure is filed and based upon the wrong loan document. More specifically, the Complaint is predicated on a Loan Modification Agreement entered into in XXXX XXXX. ( attachment ) The foregoing Loan Modification Agreement, however, was the wrong loan document upon which CitiMortgage filed this action. That is, there was a subsequent Home Affordable Modification Agreement entered into by the parties in XXXX XXXX. ( attachment ) CitiMortgage never sued upon the operative, controlling XXXX XXXX Home Affordable Modification Agreement. \nFor this reason alone, the Judgment Order must be vacated. \n2. Second, the public record reveals that CitiMortgage did not have the requisite standing at the time it filed its Complaint. The XXXX County Recorder of Deeds website reveals an Assignment of Mortgage from XXXX XXXX XXXX XXXX CitiMortgage , Inc . The Assignment of Mortgage is dated and effective as of XXXX XXXX, XXXX. ( attachment ) However, the foreclosure action was filed by CitiMortgage, Inc. in XXXX XXXX, some 5 months prior to CitiMortgage acquiring any interest in the subject Note or Mortgage under the Assignment of Mortgage. ( attachment ) Remarkably, the Assignment of Mortgage was never appended to the Complaint as an exhibit. \n3. Third, the Judgment Motion was supported in part by the Affidavit of Amounts Due and Owing of CitiMortgage 's XXXX XXXX XXXX ( \" Affidavit '' ), which in turn had appended to it partial payments history from XXXX XXXX, XXXX through XXXX XXXX, XXXX which is inaccurate. ( attachment ) However a plain review of the XXXX discloses that it is insufficient as a matter of law because ( i ) the payment history appended thereto is incomplete and omits over 8 years of payment history, and ( ii ) the Affidavit itself fails to establish that the documents appended thereto, allegedly establishing the amounts due under the loan, are exempt from hearsay rule as a business records. \n4. Finally, the CitiMortgage 's loss mitigation affidavit, dated XXXX XXXX, XXXX, and submitted in support of the Judgment Motion was in violation of Rule XXXX. In the loss mitigation affidavit, the CitiMortgage represented, under oath, that Defendants were \" eligible '' for \" HAMP Modification '' and \" Traditional, Standard, or In-House Modification Options ''. The foregoing statement, however, was simply not true. In a correspondence dated XXXX XXXX, XXXX from CitiMortgage, the CitiMortgage unequivocally stated that it could not modify the subject loan because the \" Loan must be Citi held ''. The foregoing letter clearly contradicts the loss mitigation affidavit, which states that Defendants are eligible for modification. Perhaps more fundamentally, the foregoing letter also corroborates the argument that CitiMortgage was not the holder or owner of the subject loan documents.","date_sent_to_company":"2016-02-09T01:15:49.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional fixed mortgage","zip_code":"60153","tags":"Servicemember","has_narrative":true,"complaint_id":"1777133","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2016-02-09T01:15:48.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["itself fails to establish that the <em>documents</em> appended thereto, allegedly establishing the amounts due under the loan, are exempt from hearsay <em>rule</em> as a business records. \n4."],"product":["<em>Mortgage</em>"],"sub_product":["Conventional fixed <em>mortgage</em>"]},"sort":[18.505802,"1777133"]},{"_index":"complaint-public-v1","_id":"17144932","_score":18.462893,"_source":{"product":"Mortgage","complaint_what_happened":"Company : BSI Financial Services Loan Type : XXXX XXXX  State : North Carolina I am submitting this complaint due to continued mortgage servicing misconduct, unauthorized loan actions, inaccurate reporting, and prohibited foreclosure activity by BSI Financial Services . \n\nDespite ongoing HUD involvement and attempts to resolve this matter since XXXX XXXX, XXXX has again taken actions on my loan without my authorization and in violation of federal FHA servicing rules.\n\nThe most recent events include : A representative came to my home, took photos of my property, and referenced foreclosure, even though my loan is currently in an active FHA Payment Supplement/Partial Claim agreement with documented coverage from XX/XX/XXXX XX/XX/XXXX. I signed and agreed to pay {$1300.00} for three years. \nBSI is now attempting to force me to sign a new standalone partial claim under pressure, despite an already active agreement and ongoing dispute. \nThey have repeatedly lost paperwork, misreported loan activity, and documented actions that never occurred, despite HUD oversight. \nXXXX continues to dual-track by engaging in foreclosure-related behavior while a loss-mitigation agreement is in place, which is a violation of CFPB Regulation X 12 C.F.R. 1024.41. \nTheir conduct also appears to violate RESPA 12 U.S.C. 2605, FHA servicing guidelines, and CFPB mortgage servicing rules.\n\nI have now experienced repeated harm due to : Unauthorized loan modification and partial claim processing Unapproved recording of a deed against my home Inaccurate loan records Lost documentation Threats or actions related to foreclosure during active loss mitigation Lack of transparency, notice, and consent","date_sent_to_company":"2025-11-10T17:43:32.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"275XX","tags":null,"has_narrative":true,"complaint_id":"17144932","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BSI Financial Holdings, Inc.","date_received":"2025-11-10T17:16:17.000Z","state":"NC","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["They <em>have</em> repeatedly lost paperwork, misreported loan activity, and <em>documented</em> actions that never occurred, despite HUD oversight. \nXXXX continues to dual-track by engaging in foreclosure-related behavior while a loss-mitigation agreement is in place, which is a <em>violation</em> of CFPB Regulation X 12 C.F.R. 1024.41. \nTheir conduct also appears to <em>violate</em> RESPA 12 U.S.C. 2605, FHA servicing guidelines, and CFPB <em>mortgage</em> servicing <em>rules</em>."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[18.462893,"17144932"]},{"_index":"complaint-public-v1","_id":"1538997","_score":18.075367,"_source":{"product":"Mortgage","complaint_what_happened":"Dear CFPB, Over the past year I have made multiple complaints to the CFPB regarding unlawful activity by loan servicer CitiMortgage. I am disappointed that the CFPB has failed to take action despite blatant disregard for the law. \nMost recently, CitiMortgage sold my home while I was protected by a Chapter XXXX bankruptcy filing ( and still am ). To date, they have not rescinded the sale of my home and have flagrantly abused the bankruptcy rules. \nAt the time that the foreclosure sale was conducted on XX/XX/XXXX, CitiMortgage failed to comply with the XX/XX/XXXX Real Estate Settlement Procedures Act ( Regulation X ) and Truth in Lending Act ( Regulation Z ) Mortgage Servicing Final Rules. \nAlthough the coborrower assosciated with this loan has excellent credit and excellent wages, CitiMortgage has REFUSED to assist us. Beginning XX/XX/XXXX I requested the name of the creditor, the amount due, the date of default, the location of the note and any assignments so that I could validate/verify the debt. CitiMortgage refused to comply. \nAlthough CitiMortgage would have been paid in FULL- CitiMortgage REFUSED to provide accurate payoff amounts ( XXXX conflicting amounts ), refused to reveal the date of default, refused to provide the location of the note so we could review the note, and refused to provide the name of the creditor ( XXXX is not a creditor under TILA ). We had the option to sell our home if good title could be assured, could have refinanced the mortgage or paid off the mortgage in full. CitiMortgage stonewalled our attempts to do so. Furthermore, CitiMortgage claimed they would provide reinstatement numbers but failed to do so. \nInterestingly, CitiMortgage pursued foreclosure. In doing so, XXXX ( the guarantor ) received fewer proceeds because of the actions of CitiMortgage. The house sold at auction for XXXX whereas, we were willing to refinance or reinstate for a minimum of XXXX. Therefore, CitiMortgage 's actions resulted in XXXX less than they would have received had CitiMortgage had worked with us to satisfy any debt. \nPrior complaints I have filed include : * a revoked traditional ( in-house ) loan modification that was revoked without reason after I made the three timely payments in violation of the TARP agreement. I provided the 'approved repayment plan ' documents. CitiMortgage claimed that XXXX would not approve the modification but an inhouse modification does not require Fannie Mae approval. \n*CitiMortgage held our modifications in a suspense account for XXXX years instead of applying the funds to our account in violation of Regulation X. When I asked for these payments back after XXXX years, I was told that they had applied them to my account. These payments were made to modify a loan and should have been returned upon refusal to modify loan. \n*In violation of Regulation X, CitiMortgage has refused to follow good customer policies. I requested assistance XXXX XXXX to pay off any debt. Instead of assisting me to satisfy any debt, CitiMortgage engaged in poor customer service policies including stonewalling. \nUnder Regulation X I had a right to obtain : the date the loan became delinquent, the creditor, an accurate payoff amount, and good customer service. \nIt has now been over XXXX years since I made my last loan modification payment to CitiMortgage. \nOther issues we have had over the duration of this loan include : * CitiMortgage filed XXXX false proof of claims in my prior bankruptcy claiming they were the lender when they were only a servicer. The submission of fraudulent claims holds up to a {$500000.00} violation per incident. \n*CitiMortgage filed legal documents claiming to be the lender/creditor in court documents when they were merely a loan servicer. \n*CitiMortgage claims to have acquired the loan by merger when CitiMortgage merely acquired servicing rights for the underlying mortgage note.","date_sent_to_company":"2015-08-28T12:34:59.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"FHA mortgage","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"1538997","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2015-08-27T20:56:49.000Z","state":"FL","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Dear CFPB, Over the past year I <em>have</em> made multiple complaints to the CFPB regarding unlawful activity by loan servicer Citi<em>Mortgage</em>. I am disappointed that the CFPB has failed to take action despite blatant disregard for the law. \nMost recently, Citi<em>Mortgage</em> sold my <em>home</em> while I was protected by a Chapter XXXX bankruptcy filing ( and still am ). To date, they <em>have</em> not rescinded the sale of my <em>home</em> and <em>have</em> flagrantly abused the bankruptcy <em>rules</em>."],"product":["<em>Mortgage</em>"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[18.075367,"1538997"]},{"_index":"complaint-public-v1","_id":"5069020","_score":18.034561,"_source":{"product":"Mortgage","complaint_what_happened":"NOTICE OF APPEAL XX/XX/XXXX Re : Loan Depot Mortgage Account Number XXXX I am formerly appealing your decision to disqualify me for the Loan Modification Agreement that you approved on XX/XX/XXXX. \nI received a Loan Modification Agreement from Loan Depot on XX/XX/XXXX. The agreement afforded me the opportunity to refinance my home with the first payment due in XX/XX/XXXX. The modification agreement had documents that had to be signed and notarized. I provided the signed and notarized documents on XX/XX/XXXX. The documents were due by XX/XX/XXXX. \nOn or about XX/XX/XXXX you sent me another package of documents with a note that stated I had signed one of the documents on the wrong line. I had the documents corrected and mailed them back to you in the envelope that you provided. \nDuring this entire process I telephoned your office at least 3 times a week to make sure everything was received by your processors. I was told that everything had been satisfied and that all I needed to do was to pay my first mortgage payment in XXXX to fully consummate the agreement. I paid my mortgage payment in XXXX by phone because you would not allow me to make the payment on line until after your internal processes were fully set in force with my first payment. Your phone representatives reiterated that the payment was the last step in the process. \nNow you have sent me a letter dated XX/XX/XXXX and postmarked XX/XX/XXXX, that disqualifies me for the modification agreement that you had previously approved. The letter states that I failed to provide the corrected copy of one of the documents. The letter also advises me that I am ripe for foreclosure and that you have advised me of your right to sell my mortgage off to a non-FHA entity at your convenience. \nI disagree with your decision and am requesting that you rescind the disqualification letter for the reasons outlined herein. \n\n\n1. The Federal Housing Administration amended its FHA COVID assistance guidelines in a effort to help its home owners to bounce back from COVID. I was one of the FHA homeowners that qualified for the assistance. \n2. The FHA rules provide that its homeowners should be offered 3 different options before rendering them disqualified for receiving assistance. You have not provided me with any options prior to passing my property on for foreclosure. \n3. The FHA rules provide that while mortgage companies are assisting its FHA home owners that they should not halt the process because of an incomplete application. Your assertion that I mis-signed one of the several documents is related to the application process and you are in violation of the spirit of their stated process. Any documents that have to be signed to further the process are considered as part of the application process. The application process ends when the process has been completed and not because of an incomplete document that is a part of the process. \n4. In your letter date on XX/XX/XXXX you advised me of your plans to sell my loan off to a non FHA entity. I consider this action as a behavior that is initiated in an effort to circumvent your obligations under the FHA and it is not what FHA intended when it provided revised guidelines for the COVID crisis that we all face. \nIn closing, I would like for you to reconsider your decision and reinstate my approved refinancing. FHA adopts safeguards so that there is no confusion. I believe you have violated the safeguards that FHA provided me. There is a difference in the Federal Guidelines and those overlays provided by mortgage companies. \n\nSigned XXXX XXXX","date_sent_to_company":"2022-01-04T20:51:35.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"FHA mortgage","zip_code":"20721","tags":"Older American","has_narrative":true,"complaint_id":"5069020","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LD Holdings Group, LLC","date_received":"2022-01-04T18:48:05.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The FHA <em>rules</em> provide that while <em>mortgage</em> companies are assisting its FHA <em>home</em> owners that they should not halt the process because of an incomplete application. Your assertion that I mis-signed one of the several <em>documents</em> is related to the application process and you are in <em>violation</em> of the spirit of their stated process. Any <em>documents</em> that <em>have</em> to be signed to further the process are considered as part of the application process."],"product":["<em>Mortgage</em>"],"issue":["Applying for a <em>mortgage</em> or refinancing an existing <em>mortgage</em>"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[18.034561,"5069020"]},{"_index":"complaint-public-v1","_id":"2022369","_score":17.925325,"_source":{"product":"Mortgage","complaint_what_happened":"I demand that Wells Fargo provide me the following documents in that they have no contract with me and do not own the mortgage or home they have violated the SEC rules and regulatins and the FHA laws. They have securitized the loan into hedge funds and continue to harass and threaten even during my bankruptcy. \nI want full accounting of this loan Deed of trust Chain of title full legal servicing of loan full accounting of loan All equity in property Refund of all money submitted for payment by me on this account made Payable to I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they have and can not produce the original note because they have securitized the mortgage which is illegal they are committing fraud and perjury. I want to see an official wet ink signature showing where I signed for the loan. This bank has commited fraud on several accounts.Again I am respectfully demanding that the bank show Tila agreement, show the sources used to assign this loan I was bamboozled and a victim of predatory lending. \n\nA complete statement proof of claim. \nproof and view of my wet ink signature on mortgage note Chain of ownership of Loan and or loans Deed of trust Chains of title full legal servicing of loan full accounting of loan money from day of origination to this present moment day and time. A valid proof of claim. \nproof and view of my wet ink signature on mortgage note Chain of ownership of Loan original statement form XXXX on this account Wells Fargo has taken advantage of me and other XXXX home owners across the country. They have falsely certified and submitted ineligible residential mortgage loans for FHA insurance. I want the owners of this company arrested and locked in a prison without bail. I also demand a full refund and XXXX dollars in settlement for pain and suffering and harassment because they violated the FHA laws and used predatory lending practices","date_sent_to_company":"2016-07-20T05:32:10.000Z","issue":"Application, originator, mortgage broker","sub_product":"FHA mortgage","zip_code":"10977","tags":null,"has_narrative":true,"complaint_id":"2022369","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2016-07-20T05:32:10.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I demand that Wells Fargo provide me the following <em>documents</em> in that they <em>have</em> no contract with me and do not own the <em>mortgage</em> or <em>home</em> they <em>have</em> <em>violated</em> the SEC <em>rules</em> and regulatins and the FHA laws. They <em>have</em> securitized the loan into hedge funds and continue to harass and threaten even during my bankruptcy."],"product":["<em>Mortgage</em>"],"issue":["Application, originator, <em>mortgage</em> broker"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[17.925325,"2022369"]},{"_index":"complaint-public-v1","_id":"5049313","_score":17.892792,"_source":{"product":"Mortgage","complaint_what_happened":"My husband passed away on XXXX XXXX, 2021 and was sole owner of our marital home. I promplty notified the mortgage company the week of his death. He left the property to me in his will, which was probated. The property Deed is in my name. The VA backed mortgage is not, however I have been confirmed as Successor in interest. All documents pertaining to my right to assume this mortgage were provided to the company, including Letters of Testamentary, the Will, the Deed in my name, personal identification, death and marriage certificates.\n\nAmerisave Mortgage Company refuses to put my name on the Mortgage and is demanding that I submit a new mortgage application. As the sole owner of the property by inheritance, as surviving spouse and because this is my personal residence, this appears to be in violation of the Garn St Germain Act, and the fact that the Ability to Pay rule is not applicable to the transfer of the contract. \n\nThe mortgage is current. We/I have never missed a payment or been late and at present I am not seeking to refinance or otherwise renegotiate the terms of the contract. I simply want the mortgage placed in my name. \n\nI have been in regular communication with the company, and on XX/XX/2021 received the letter requiring that I submit the new mortgage application.","date_sent_to_company":"2021-12-29T06:17:05.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"VA mortgage","zip_code":"83709","tags":"Servicemember","has_narrative":true,"complaint_id":"5049313","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERISAVE MORTGAGE CORPORATION","date_received":"2021-12-29T00:50:02.000Z","state":"ID","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":null},"highlight":{"complaint_what_happened":["As the sole owner of the property by inheritance, as surviving spouse and because this is my personal residence, this appears to be in <em>violation</em> of the Garn St Germain Act, and the fact that the Ability to Pay <em>rule</em> is not applicable to the transfer of the contract. \n\nThe <em>mortgage</em> is current. We/I <em>have</em> never missed a payment or been late and at present I am not seeking to refinance or otherwise renegotiate the terms of the contract. I simply want the <em>mortgage</em> placed in my name."],"product":["<em>Mortgage</em>"],"issue":["Applying for a <em>mortgage</em> or refinancing an existing <em>mortgage</em>"],"company":["AMERISAVE <em>MORTGAGE</em> CORPORATION"],"sub_product":["VA <em>mortgage</em>"]},"sort":[17.892792,"5049313"]},{"_index":"complaint-public-v1","_id":"2217630","_score":17.759045,"_source":{"product":"Mortgage","complaint_what_happened":"I have been in modification for several years with CitiMortgage. Today ( XXXX/XXXX/XXXX ), the underwriter erroneously closed my file 9 days prior to my sale date ( the sale date is XXXX XXXX, XXXX ). \nOn XXXX XXXX, XXXX, four final documents were requested via letter : Lease agreements, XXXX taxes, 3rd quarter profit and loss and bank statements. I provided these four docs by the XXXX XXXX, XXXX deadline. They were accepted by CitiMortgage and I received written confirmation that all of my documents were successfully submitted. This was the final request for documents ( as confirmed today XXXX/XXXX/XXXX ) by XXXX XXXX at CitiMortgage. \n\nToday, XXXX confirmed that my file was closed for failing to provide a \" recorded quit claim deed ''. This was not requested on my final document request letter from XXXX XXXX, XXXX. She agreed over the phone that this was an error and asked that I submit another complaint to the CFPB. They appear to be continually misleading me and intentionally trying to circumvent my due process under the CFPB fair practices laws. I consider this an intentional infliction of XXXX on me and my children. We desperately need to stay in our home. CitiMortgage needs to be shut down until they correct this behavior or it will just continue. They have no reason to comply with CFPB rules if they repeatedly violate them without consequences.","date_sent_to_company":"2016-11-22T00:20:23.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional fixed mortgage","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2217630","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2016-11-22T00:20:23.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["We desperately need to stay in our <em>home</em>. Citi<em>Mortgage</em> needs to be shut down until they correct this behavior or it will just continue. They <em>have</em> no reason to comply with CFPB <em>rules</em> if they repeatedly <em>violate</em> them without consequences."],"product":["<em>Mortgage</em>"],"sub_product":["Conventional fixed <em>mortgage</em>"]},"sort":[17.759045,"2217630"]},{"_index":"complaint-public-v1","_id":"1419347","_score":17.656807,"_source":{"product":"Mortgage","complaint_what_happened":"\" We have had an extremely difficult time with our mortgage company, CitiMortgage. They have given us the runaround, they have violated our consumer rights and they have engaged in illegal activities that may result in the wrongful foreclosure of our home. We are very concerned that CitiMortgage is intentionally trying to force me to give up so they can foreclose on my home of XXXX years. We have been in foreclosure for over XXXX years. CitiMortgage has cost me over {$5000.00} in Lawyer 's fees which part of that {$5000.00} included my vehicle title being put up as collateral, and us having to pay {$210.00} on a monthly basis to keep from losing it, and another title loan on my other vehicle of {$250.00} a month adding to my monthly expense 's along with my regular monthly expenses. Just so happens both of these extra expenses included in our budget also happens to be the dollar amount CitiMortgage claims is the amount which disqualifies us from getting a modification on our home. We have been doing everything in our power to make this right with our lender, but they are just unwilling to work with us. So we are requesting a review into CitiMortgage 's questionable tactics as listed below : Real Estate Settlement Procedures Act ( RESPA ) Regulation X Violation DCitiMortgage has violated the Mortgage Servicing Rule 12 C.F.R. pt. \n1024.41 subpart c. CitiMortgage failed to comply with Loss Mitigation Procedures. CitiMortgage exceeded the XXXX day time line to review my complete application. In fact, the constant mishandling of our account perpetuated CitiMortgage 's excessive delays. While continuously requesting us to send them the same documents over and over again claiming they did n't receive them. Even after being denied we still received letters requesting some of the same documents we already sent during the modification process. They clearly do not have their priorities in order to control their business, so how can I trust them to have their priorities in order to properly handle my modification. CitiMortgage wrongfully denied me due to insufficient income. \n\nRESPA 12 CFR Chapter X Part 1024.41- Dual Tracking 1024.41 ( g ) the servicer is restricted from moving \" forward with foreclosure while simultaneously working with the borrower to avoid foreclosure ''. CitiMortgage has blatantly engaged in dual tracking. In XXXX of2010, we received a foreclosure notice from CitiMortgage. This caught us by surprise, because we were previously in review for a loan modification. I called CitiMortgage to get to the bottom of this and they confirmed that ourAccount was still active and under review for a loan modification. Why was CitiMortgage moving forward with the foreclosure? \n\nCitiMortgage has repeatedly violated Section 5 of the FTC act - prohibits \" unfair or deceptive acts or practices in or affecting commerce '' -Cause or is likely to cause substantial injury to consumers- Can not be reasonably avoided by consumersI am now concerned that CitiMortgage has prepared and executed false and misleading documents with the courts and government agencies as part of the foreclosure process. I am requesting a copy of all documentation associated to the processing of the foreclosure of our home. \n\nCitiMortgage 's failure as a servicer is absolutely egregious and it has caused great harm and injury to my family and me. CitiMortgage 's illegal practice is putting my family at risk of becoming homeless, due to no fault of our own. We want to refer our complaint to the Consumer Financial ProtectionBureau, The Federal Trade Commission, the Office of the Comptroller of the Currency and the Department of Justice to issue a ruling on CitiMortgage 's continued violation. ''","date_sent_to_company":"2015-06-12T21:00:43.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional fixed mortgage","zip_code":"29406","tags":null,"has_narrative":true,"complaint_id":"1419347","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2015-06-12T21:00:42.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["\" We <em>have</em> had an extremely difficult time with our <em>mortgage</em> company, Citi<em>Mortgage</em>. They <em>have</em> given us the runaround, they <em>have</em> <em>violated</em> our consumer rights and they <em>have</em> engaged in illegal activities that may result in the wrongful foreclosure of our <em>home</em>. We are very concerned that Citi<em>Mortgage</em> is intentionally trying to force me to give up so they can foreclose on my <em>home</em> of XXXX years. We <em>have</em> been in foreclosure for over XXXX years."],"product":["<em>Mortgage</em>"],"sub_product":["Conventional fixed <em>mortgage</em>"]},"sort":[17.656807,"1419347"]},{"_index":"complaint-public-v1","_id":"17819930","_score":17.557013,"_source":{"product":"Mortgage","complaint_what_happened":"Issue : Mortgage balance inflated and mishandled during/after COVID forbearance ; improper capitalization ; inaccurate principal ; servicer errors ; loan transferred repeatedly ; VA forbearance rules violated. \n\nSummary : We had a VA loan originated in XX/XX/XXXX for {$430000.00} at 2.75 %. We entered COVID forbearance under the CARES Act. When leaving forbearance, XXXX XXXX added the entire amount of missed payments onto our principal and reset our loan amortization, despite VA rules stating missed payments must be deferred, not capitalized. \n\nIn XX/XX/XXXX, I requested all documents from XXXX XXXX the originator of our home loan. I asked for the partial claim documentation and all they sent me was a loan modification document dated XX/XX/XXXX. We did go into forbearance a few times and unfortunately, my copies of documents have been misplaced, which is why I requested original documents from XXXX XXXX. What prompted us to contact for copies was when we received a separate statement from XXXX mortgage with a 'Lien ' amount in addition to increased balance from original loan balance. \n\nOur loan has also been transferred multiple times, and we believe payments were misapplied. Despite over 3 years of on-time payments, our combined balances still total approximately {$430000.00} almost identical to the original principal amount which is mathematically impossible under a 2.75 % fixed VA loan XXXX \n\nWe request an investigation into : Improper capitalization of missed payments Incorrect loan modification handling Incorrect principal balance Misapplied or missing payments Servicing transfer errors Failure to follow VA forbearance and partial claim rules We have submitted a QWR and request full regulatory review.","date_sent_to_company":"2025-12-08T05:25:38.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"75088","tags":"Servicemember","has_narrative":true,"complaint_id":"17819930","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mortgage Research Center, LLC","date_received":"2025-12-08T04:30:18.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Loan sold or transferred to another company"},"highlight":{"complaint_what_happened":["Issue : <em>Mortgage</em> balance inflated and mishandled during/after COVID forbearance ; improper capitalization ; inaccurate principal ; servicer errors ; loan transferred repeatedly ; VA forbearance <em>rules</em> <em>violated</em>. \n\nSummary : We had a VA loan originated in XX/XX/XXXX for {$430000.00} at 2.75 %. We entered COVID forbearance under the CARES Act."],"product":["<em>Mortgage</em>"],"company":["<em>Mortgage</em> Research Center, LLC"],"sub_product":["VA <em>mortgage</em>"]},"sort":[17.557013,"17819930"]},{"_index":"complaint-public-v1","_id":"6316621","_score":17.491796,"_source":{"product":"Mortgage","complaint_what_happened":"I had received solicitations from Carrington Home Mortgage for some time regarding refinancing my home to get cash out and pay off additional debts. I had phone calls and received solicitations when logging into the Carrington Home Mortgage portal to make my payments. \n\nOn XX/XX/2022 I discussed my options with a Mortgage Loan Officer out of Arizona. His name is XXXX XXXX XXXX. We reviewed my current income, my current debts and decided to move forward with a Second Mortgage through Carrington Home Mortgage, as he stated that all look to be in line with their requirements and I could get up to 85 % of the home value which their portal stated I had a estimated home value of {$480000.00}. I wanted enough to get my current debts paid off and we discussed putting the Loan to Value on an estimated {$450000.00} so that we would be okay with paying off my debts. This say week I received a debt collection call from Carrington Home Mortgage saying I was late on a my first mortgage and a payment was due or information would be sent to the credit agencies, however I have until the 15th of each month to make a payment. This was a violation of XXXX, as this was an unfair call and deceptive knowing I have additional days to make my payment. I informed the agent on that call that I was getting a second mortgage and was also going to be making my payment online. I was very confused as to why I was receiving this call when there was clear communication with XXXX of Carrington Home Mortgage Loan Officers that I was making payment to them and had never missed a payment. \n\nXXXX sent over documents which were signed and sent back, he also gave me a list of documents I needed to upload. I proceeded to upload requested documents and XXXX asked me to email them to him as well as it would be easier. As I reviewed the Initial Disclosures, there was an error and XXXX said this would be corrected on the Closing Documents. Essentially {$1700.00} in fees would be removed when the loan was in processing and mentioned I would need to pay for an appraisal which would be {$550.00} and could be put on a credit card that we are paying off. All of this communication was via email. During these email exchanges I let XXXX know that I needed to contact my old employer for two years of W2 's and was able to get those documents uploaded, I also send him two years of tax transcripts and returns to help with the loan processing. \n\nAfter all documents were uploaded and everything XXXX mentioned needed to be signed were signed, I asked what were the next steps via email and he said all is great, we will just wait for processing. \n\nOn XX/XX/XXXX, I emailed XXXX to see what was going on because I had not heard anything nor had been informed of an appraisal. He responded that there was no need for anything and he or the processor would reach out to me with next steps. The next day XXXX talked to me and he forgot to email the link for the appraisal and because it's a 2nd that the appraisal should only be {$220.00}. He then sent a link to me and I was able to go in and pay for an appraisal which was listed as {$550.00} and he said there could be glitch in the system but to pay it anyway and I put the {$550.00}, on the XXXX XXXX Credit Card which was being paid off with the 2nd mortgage. This was via email exchange. He said that at the end of the day, he would made sure it was squared away either way on the mortgage or to pay for it. \n\nOn XX/XX/2022 I had an appraiser come out to the home and perform an appraisal. The value came back as {$450000.00} on the Cost Approach, and {$430000.00} on the Sales Comparison Approach. \n\nI emailed XXXX on XX/XX/XXXX to ask which valuation Carrington would be using for the mortgage and received no response. On the same day, XX/XX/XXXX, I got a notice of incomplete application and email XXXX again to ask why I was receiving that. I had already uploaded documents, I had already signed documents, I had an appraisal and then was receiving a notice of incomplete application. \n\nI received no response from XXXX and replied to the email address where I got the notice of incomplete application, this was XXXX manager XXXX XXXX. I also attempted to call XXXX and did not receive an answer. This all took place on XX/XX/XXXX. \n\nI attempted to call XXXX several times over the next week with no response. I also called another loan officer with Carrington Home Mortgage who answered via their general line and told me he found the loan application, and that XXXX had not taken action on it. He gave me the contact information for XXXX XXXX, and I told him I had already attempted to contact XXXX XXXX. That loan officer then gave me the XXXX 's contact information, that XXXX is named XXXX XXXX. \n\nI called XXXX XXXX on XX/XX/XXXX and left a message, and then I emailed XXXX and XXXX once again. This time I told them all docs have been uploaded and signed, nothing is left for me to do and I have not heard back from anyone regarding my 2nd mortgage. I was hopeful to have this process done and approved within the first week of XXXX as XXXX had initially stated that is our timeframe. \n\nXXXX finally emailed me back less than 10 minutes after my email and told me the loan had not fallen off his radar, but it was in processing and he would let me know the status ASAP by the end of the day. \n\nI waited until XX/XX/XXXX to reach back out because again, I had not heard anything from XXXX and we were coming up on 30 days since submitting the loan application with no response. I emailed again on XX/XX/XXXX and asked if he was too busy to help, could he get the loan to a loan officer who would help. I also left a voice mail for XXXX and did not hear back. \n\nI am now past 30 days from initial application, and this is a violation of ECOA. I understand that Carrington Mortgage sent the Notice of Incomplete Application, however this is a false Notice of Incomplete Application to extend their timing and allowance for compliance. The notice was stating I needed to upload documents when had been uploaded and this tactic is used often with mortgage companies to avoid having to follow compliance rules and regulations. \n\nI worked in the Mortgage Compliance space for many years and find what I have experienced to be a violation on UDAAP, ECOA and privacy ( as the loan officer asked me to provide documents outside of the secure portal ) I would like to have my loan closed so that I can get the high APR debts paid and also the money back for the appraisal. This process along each step and communication was reassured by XXXX XXXX that things were moving and here I am on XX/XX/XXXX, with no updates on the 2nd Mortgage. I have lost a significant amount of trust in Carrington Home Mortgage, and this includes receiving that collections call about the XXXX payment which was made before the XXXX. \n\nBecause I am in the industry, I am aware of CFPB actions taken against Carrington for other violations under the CARES Act, and I would hope this is a one off case that I am experiencing but they are loosing consumer trust and financially impacted me. I ask that the CFPB look at this complaint seriously and consider how these violation may also be happening to other consumers or customers of Carrington Home Mortgage. \n\nIf I am making payments to this Mortgage Servicer and Mortgage Lender, I expect to be treated with respect, in a timely manner, and that this company has knowledge and actively is participating in training and awareness campaigns for compliance to lending and servicing regulations. \n\nThe lack of communication, the lack of character, and the lack of understanding to their mortgage lending and servicing rules including payments is shocking and I am expected to pay for my mortgage throughout the next 28 years on my first mortgage, and do want to complete my refinance to pay off my debts and this would be 30 years of payments. \n\nThroughout this loan process I was assured that all debts that I discussed with XXXX would be able to be paid, it was just a matter of getting the loan closed. I am still paying my higher APR on debts, and additionally added debt to the XXXX XXXX XXXX per the Loan Officers statements because that would be included in the pay off.","date_sent_to_company":"2022-12-13T16:27:47.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"84045","tags":null,"has_narrative":true,"complaint_id":"6316621","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CARRINGTON MORTGAGE SERVICES, LLC","date_received":"2022-12-13T15:27:59.000Z","state":"UT","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This say week I received a debt collection call from Carrington <em>Home</em> <em>Mortgage</em> saying I was late on a my first <em>mortgage</em> and a payment was due or information would be sent to the credit agencies, however I <em>have</em> until the 15th of each month to make a payment. This was a <em>violation</em> of XXXX, as this was an unfair call and deceptive knowing I <em>have</em> additional days to make my payment."],"product":["<em>Mortgage</em>"],"issue":["Applying for a <em>mortgage</em> or refinancing an existing <em>mortgage</em>"],"company":["CARRINGTON <em>MORTGAGE</em> SERVICES, LLC"],"sub_product":["Conventional <em>home</em> <em>mortgage</em>"]},"sort":[17.491796,"6316621"]},{"_index":"complaint-public-v1","_id":"19683330","_score":17.385374,"_source":{"product":"Mortgage","complaint_what_happened":"I am a victim of mortgage fraud. Due to a 2nd mortgage that I knew nothing about ; an already approved short sale was denied by XXXX XXXX. \nI refinanced my home on XX/XX/XXXX for {$650000.00} with XXXX XXXX. It was then, in less than 2 months, placed under mortgage-backed security XXXX XXXXXXXX by XXXX XXXX. The closing date of XXXX XXXX was XX/XX/XXXX. XXXXXXXX XXXX XXXX  ceased operations on XX/XX/XXXX, more than one year after the securitized trust closed. On XX/XX/XXXX, XXXX XXXX XXXX  acquired certain assets of XXXX XXXX  and thereafter claimed an interest in my mortgage loan. At the time of XXXXXXXX XXXX failure and the subsequent asset sale to XXXX XXXX XXXX, XXXX no longer owned or held my mortgage loan, having divested itself of all interest years earlier. Currently, XXXX XXXX  claims to own the mortgage and the promissory note. XXXX Bank violated the FTC rule requiring that all mortgages to be placed in a mortgage-backed security be a performing mortgage for at least 1 year. \nOn XX/XX/XXXX, XXXX Bank and its servicer, Shellpoint Mortgage approved a short sale for my home. The title company discovered a 2nd mortgage for {$50000.00} that was executed on the same date as the closing of my refinance on XX/XX/XXXX which I knew nothing about all these years. This XXXX mortgage was also issued by XXXX XXXX. Due to the requirement of the short sale, we investigated the lienholder and the payoff for this XXXX XXXX. Therefore, Shellpoint advised us to submit the short sale documents with the XXXX XXXX satisfaction listed in there so they can give us a final approval for the short sale. On XX/XX/XXXX, XXXX XXXX  and its servicer, Shellpoint mortgage denied our already approved short sale without a valid reason. Now at this point I am at the verge of losing my home on XX/XX/XXXX.","date_sent_to_company":"2026-02-21T20:27:27.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"113XX","tags":"Older American","has_narrative":true,"complaint_id":"19683330","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2026-02-21T20:22:05.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Foreclosure"},"highlight":{"complaint_what_happened":["XXXX Bank <em>violated</em> the FTC <em>rule</em> requiring that all <em>mortgages</em> to be placed in a <em>mortgage</em>-backed security be a performing <em>mortgage</em> for at least 1 year. \nOn XX/XX/XXXX, XXXX Bank and its servicer, Shellpoint <em>Mortgage</em> approved a short sale for my <em>home</em>. The title company discovered a 2nd <em>mortgage</em> for {$50000.00} that was executed on the same date as the closing of my refinance on XX/XX/XXXX which I knew nothing about all these years. This XXXX <em>mortgage</em> was also issued by XXXX XXXX."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Conventional <em>home</em> <em>mortgage</em>"]},"sort":[17.385374,"19683330"]},{"_index":"complaint-public-v1","_id":"11624323","_score":17.250288,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"It has come to my attention that due to WELLSFARGO constantly harassing us at our residence I now feel obligated to be sure that WELLS FARGO and all affiliated agencies as well as Wells Fargo Home Mortgage are in compliance with what is legally required of the IRS I as a consumer and a Private member of society of the XXXX have the rights to know who I am contracting with and if they are in compliance with the federal and state laws required to do such business and contractual obligations Can \" WELLS FARGO '' and \" Wells Fargo Home Mortgage '' provide the numbers/figures and records of all interest accumulated on the allegedly owned property located at XXXX XXXX XXXX XXXX XXXX FL [ XXXX ] Is Respondent \" WELLSFARGO and Wells Fargo Home Mortgage '' in compliance with State and Federal rules and regulations and FBAR reporting and can respondent provide evidence such as supporting documentation of compliance filed by the filing deadlines XX/XX/XXXX or with extension XX/XX/XXXX if WELLSFARGO and XXXXXXXX XXXX XXXX XXXX are claiming to be in contract with me and my household The Family name XXXX then XXXX have a right to ask and know these questions for my own protection and safety Being that \" WELLS FARGO and Wells Fargo Home Mortgage '' is claiming to be \" in contract with XXXX : XXXX XXXX XXXX has and exercises the right that Respondent : WELLS FARGO and Wells Fargo Home Mortgage answer and provide detail explanation and supporting documents ( Declarations are not suffice for they Please provide a comprehensive review of your current tax compliance status, including any potential issues or areas of concern. \n\nXXXX asks that Respondent Wells Fargo Home Mortgage provide written proof of a valid contract signed by all parties involved Affiant is not in possession of any documentation that provides the statutes and enforcing regulation that proves Wells Fargo Home Mortgage, WELLS FARGO or XXXX XXXX XXXX 's claim that XXXX XXXX XXXX is clearly and unequivocally liable for this alleged debt. \n\n\n\n\n\n\n\n\n\n\nXXXX XXXX XXXX XXXX, Florida [ XXXX ] XXXX United States zip code exempt ( XXXX XXXX ) zip code exempt ( XXXX XXXX ) I have disputed this unlawful debt, therefore, until validated Wells Fargo Home Mortgage/WELLS FARGO and those thereof know that your information concerning ( Loan number : XXXX address XXXX  XXXX XXXX XXXX, FL XXXX XXXX in fact INACCURATE. Thus if you have already reported this \" debt/information '' to any credit-reporting agency ( CRA ) or Credit Bureaus ( CB ) 's and any other GOVERNMENTAL AGENCIES then, you must immediately inform them of my dispute with this claim. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act UCC 1691s-2. Should respondent pursue a judgement without validating all of affiants rightful and lawful questions, XXXX will inform the SECRETARY OF STATE AND ATTORNEY GENERAL and request the case be dismissed based on your failure to comply with the FDCPA, IRS, CCPA, GAAP for reservation of rights.\n\nThe CCPA allows the California Attorney General to impose civil penalties of up to {$7500.00} per violation for intentional violations of the law and {$2500.00} per violation for unintentional violations. Businesses that are notified by the California Attorney Generals Office that they have violated the CCPA have 30 days to cure the violation. If businesses fail to cure the violation within 30 days, they can be fined. By understanding the civil penalties for violations of the CCPA, businesses can take steps to avoid being fined and to comply with the law.","date_sent_to_company":"2025-01-19T19:33:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33870","tags":null,"has_narrative":true,"complaint_id":"11624323","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-01-19T19:15:07.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXXXXXX XXXX XXXX XXXX are claiming to be in contract with me and my household The Family name XXXX then XXXX <em>have</em> a right to ask and know these questions for my own protection and safety Being that \" WELLS FARGO and Wells Fargo <em>Home</em> <em>Mortgage</em> '' is claiming to be \" in contract with XXXX : XXXX XXXX XXXX has and exercises the right that Respondent : WELLS FARGO and Wells Fargo <em>Home</em> <em>Mortgage</em> answer and provide detail explanation and supporting <em>documents</em> ( Declarations are not suffice for they Please"]},"sort":[17.250288,"11624323"]},{"_index":"complaint-public-v1","_id":"11623193","_score":17.230932,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"It has come to my attention that due to WELLSFARGO constantly harassing us at our residence I now feel obligated to be sure that WELLS FARGO and all affiliated agencies as well as Wells Fargo Home Mortgage are in compliance with what is legally required of the IRS I as a consumer and a Private member of society of the XXXX have the rights to know who I am contracting with and if they are in compliance with the federal and state laws required to do such business and contractual obligations Can \" WELLS FARGO '' and \" Wells Fargo Home Mortgage '' provide the numbers/figures and records of all interest accumulated on the allegedly owned property located at XXXX XXXX XXXX XXXX XXXX FL [ XXXX ] Is Respondent \" WELLSFARGO and Wells Fargo Home Mortgage '' in compliance with State and Federal rules and regulations and FBAR reporting and can respondent provide evidence such as supporting documentation of compliance filed by the filing deadlines XX/XX/XXXX or with extension XX/XX/XXXX if WELLSFARGO and XXXX and associated agency are claiming to be in contract with me and my household The Family name XXXX then XXXX have a right to ask and know these questions for my own protection and safety Being that \" WELLS FARGO and Wells Fargo Home Mortgage '' is claiming to be \" in contract with XXXX : XXXX XXXX XXXX has and exercises the right that Respondent : WELLS FARGO and Wells Fargo Home Mortgage answer and provide detail explanation and supporting documents ( Declarations are not suffice for they Please provide a comprehensive review of your current tax compliance status, including any potential issues or areas of concern. \n\nXXXX asks that Respondent Wells Fargo Home Mortgage provide written proof of a valid contract signed by all parties involved Affiant is not in possession of any documentation that provides the statutes and enforcing regulation that proves Wells Fargo Home Mortgage, WELLS FARGO or XXXX XXXX XXXX 's claim that XXXX XXXX XXXX is clearly and unequivocally liable for this alleged debt. \n\n\n\n\n\n\n\n\n\n\nXXXX XXXX XXXX XXXX, Florida [ XXXX ] XXXX United States zip code exempt ( XXXX XXXX ) zip code exempt ( XXXX XXXX ) I have disputed this unlawful debt, therefore, until validated Wells Fargo Home Mortgage/WELLS FARGO and those thereof know that your information concerning ( Loan number : XXXX address XXXX  XXXX XXXX XXXX, FL XXXX is in fact INACCURATE. Thus if you have already reported this \" debt/information '' to any credit-reporting agency ( CRA ) or Credit Bureaus ( CB ) 's and any other GOVERNMENTAL AGENCIES then, you must immediately inform them of my dispute with this claim. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act UCC 1691s-2. Should respondent pursue a judgement without validating all of affiants rightful and lawful questions, XXXX will inform the SECRETARY OF STATE AND ATTORNEY GENERAL and request the case be dismissed based on your failure to comply with the FDCPA, IRS, CCPA, GAAP for reservation of rights.\n\nThe CCPA allows the California Attorney General to impose civil penalties of up to {$7500.00} per violation for intentional violations of the law and {$2500.00} per violation for unintentional violations. Businesses that are notified by the California Attorney Generals Office that they have violated the CCPA have 30 days to cure the violation. If businesses fail to cure the violation within 30 days, they can be fined. By understanding the civil penalties for violations of the CCPA, businesses can take steps to avoid being fined and to comply with the law.","date_sent_to_company":"2025-01-19T19:33:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33870","tags":null,"has_narrative":true,"complaint_id":"11623193","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-01-19T19:33:12.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX and associated agency are claiming to be in contract with me and my household The Family name XXXX then XXXX <em>have</em> a right to ask and know these questions for my own protection and safety Being that \" WELLS FARGO and Wells Fargo <em>Home</em> <em>Mortgage</em> '' is claiming to be \" in contract with XXXX : XXXX XXXX XXXX has and exercises the right that Respondent : WELLS FARGO and Wells Fargo <em>Home</em> <em>Mortgage</em> answer and provide detail explanation and supporting <em>documents</em> ( Declarations are not suffice for they"]},"sort":[17.230932,"11623193"]},{"_index":"complaint-public-v1","_id":"8629023","_score":17.22664,"_source":{"product":"Mortgage","complaint_what_happened":"Submitted a Qualified Written Request for corrective action including payment history correction, and Failure under XXXX to properly notify me of mortgage transfer of servicer. Also not cancelling foreclosure sell while in a modification process. \n\nMortgage was sold from XXXX XXXX  to a new servicer, Selene Finance without notifying me, and incorrect payment history. I have disputed and requested the information for the falsifying missing payments. The new servicer Selene Finance will not tell me and or my authorize Rep, anything about what payments are missing and/or delinquent after multiple request and Selene have not accepted any payments since obtaining this account stating because its \" too delinquent '' to accept payments, and recently sent me a modification application for the first time which I completed and returned immediately but Selene failed to stop the foreclosure during the modification process as allowed federally and per State of Georgia violating all my righs under Rule 80-11-6-.02. Also request all documents pertaining to the already approved Making home affordable loan, and program approval documents and terms which is current and active on current loan.","date_sent_to_company":"2024-03-27T02:41:54.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"30122","tags":"Servicemember","has_narrative":true,"complaint_id":"8629023","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Selene Holdings LLC","date_received":"2024-03-27T02:04:35.000Z","state":"GA","company_public_response":null,"sub_issue":"Loan sold or transferred to another company"},"highlight":{"complaint_what_happened":["of Georgia <em>violating</em> all my righs under <em>Rule</em> 80-11-6-.02."],"product":["<em>Mortgage</em>"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[17.22664,"8629023"]},{"_index":"complaint-public-v1","_id":"11623189","_score":17.17596,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"It has come to my attention that due to WELLSFARGO constantly harassing us at our residence I now feel obligated to be sure that WELLS FARGO and all affiliated agencies as well as Wells Fargo Home Mortgage are in compliance with what is legally required of the IRS I as a consumer and a Private member of society of the XXXX have the rights to know who I am contracting with and if they are in compliance with the federal and state laws required to do such business and contractual obligations Can \" WELLS FARGO '' and \" Wells Fargo Home Mortgage '' provide the numbers/figures and records of all interest accumulated on the allegedly owned property located at XXXX XXXX XXXX XXXX XXXX FL [ XXXX ] Is Respondent \" WELLSFARGO and Wells Fargo Home Mortgage XXXX XXXX compliance with State and Federal rules and regulations and FBAR reporting and can respondent provide evidence such as supporting documentation of compliance filed by the filing deadlines XX/XX/XXXX or with extension XX/XX/XXXX if WELLSFARGO and XXXX and associated agency are claiming to be in contract with me and my household The Family name XXXX then XXXX have a right to ask and know these questions for my own protection and safety Being that \" WELLS FARGO and Wells Fargo Home Mortgage '' is claiming to be \" in contract with XXXX : XXXX XXXX XXXX has and exercises the right that Respondent : WELLS FARGO and Wells Fargo Home Mortgage answer and provide detail explanation and supporting documents ( Declarations are not suffice for they Please provide a comprehensive review of your current tax compliance status, including any potential issues or areas of concern. \n\nXXXX asks that Respondent Wells Fargo Home Mortgage provide written proof of a valid contract signed by all parties involved Affiant is not in possession of any documentation that provides the statutes and enforcing regulation that proves Wells Fargo Home Mortgage, WELLS FARGO or XXXX XXXX XXXX 's claim that XXXX XXXX XXXX is XXXX and unequivocally liable for this alleged debt. \n\n\n\n\n\n\n\n\n\n\nXXXX XXXX XXXX XXXX, Florida [ XXXX ] XXXX United States zip code exempt ( XXXX XXXX ) zip code exempt ( XXXX XXXX ) I have disputed this unlawful debt, therefore, until validated Wells Fargo Home Mortgage/WELLS XXXX and those thereof know that your information concerning ( Loan number : XXXX address XXXX  XXXX XXXX XXXX, FL XXXX is in fact INACCURATE. Thus if you have already reported this \" debt/information '' to any credit-reporting agency ( CRA ) or Credit Bureaus ( CB ) 's and any other GOVERNMENTAL AGENCIES then, you must immediately inform them of my dispute with this claim. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act UCC 1691s-2. Should respondent pursue a judgement without validating all of affiants rightful and lawful questions, XXXX will inform the SECRETARY OF STATE AND ATTORNEY GENERAL and request the case be dismissed based on your failure to comply with the FDCPA, IRS, CCPA, GAAP for reservation of rights.\n\nThe CCPA allows the California Attorney General to impose civil penalties of up to {$7500.00} per violation for intentional violations of the law and {$2500.00} per violation for unintentional violations. Businesses that are notified by the California Attorney Generals Office that they have violated the CCPA have 30 days to cure the violation. If businesses fail to cure the violation within 30 days, they can be fined. By understanding the civil penalties for violations of the CCPA, businesses can take steps to avoid being fined and to comply with the law.","date_sent_to_company":"2025-01-19T19:33:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33870","tags":null,"has_narrative":true,"complaint_id":"11623189","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-01-19T19:33:12.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["and XXXX and associated agency are claiming to be in contract with me and my household The Family name XXXX then XXXX <em>have</em> a right to ask and know these questions for my own protection and safety Being that \" WELLS FARGO and Wells Fargo <em>Home</em> <em>Mortgage</em> '' is claiming to be \" in contract with XXXX : XXXX XXXX XXXX has and exercises the right that Respondent : WELLS FARGO and Wells Fargo <em>Home</em> <em>Mortgage</em> answer and provide detail explanation and supporting <em>documents</em> ( Declarations are not suffice for they"]},"sort":[17.17596,"11623189"]},{"_index":"complaint-public-v1","_id":"2680998","_score":17.160126,"_source":{"product":"Mortgage","complaint_what_happened":"I 'm extremely exhausted with Ocwen loan servicing because they have made it impossible for me to get anything. I have been trying since XXXX to get a resolution for my mortgage which is very high at a 7.6 pct interest rate. they kept denying my application even when they told me everything was OK. on  XXXX XXXX 2017 at XXXX. I received a phone call from an ocwen employees name XXXX XXXX she a relationship manager at ocwen told me that the loan was denied so I ask why. her response to me they could n't come up with a modification because the loan is being paid monthly, and if I need a modification. I should leave the loan unpaid for 90 days, and they would give a modification, and her second option was for me to go a refinance with another bank because ocwen do n't want me as a a customer when in fact I had this house for over 10 years all I have been paying is interest rate that is very high. Ocwen have violated federal and state laws yet again by providing me with misleading information so I can lose my home, and become homeless because I 'm retired and my saving have getting depleted and ocwen have all my document. they made impossible i do n't know how long I can keep this home because they keep violating mortgage servicing rule.","date_sent_to_company":"2017-09-21T16:58:01.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"11234","tags":null,"has_narrative":true,"complaint_id":"2680998","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2017-09-21T16:50:55.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Ocwen <em>have</em> <em>violated</em> federal and state laws yet again by providing me with misleading information so I can lose my <em>home</em>, and become homeless because I 'm retired and my saving <em>have</em> getting depleted and ocwen <em>have</em> all my <em>document</em>. they made impossible i do n't know how long I can keep this <em>home</em> because they keep <em>violating</em> <em>mortgage</em> servicing <em>rule</em>."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Conventional <em>home</em> <em>mortgage</em>"]},"sort":[17.160126,"2680998"]},{"_index":"complaint-public-v1","_id":"3134301","_score":17.15959,"_source":{"product":"Mortgage","complaint_what_happened":"Freedom Mortgage is illegally delaying and taking excessive time in reviewing and making a decision for my loan modification application. Freedom Mortgage excessive delays, often causing my application documents to expire, which then they would close the application due to expired documents. To date, no decision has been made on my loan modification since first applying in early XXXX. \n\nI spoke with a loan modification representative at Freedom Mortgage on XX/XX/XXXX and was advised that I was missing an explanation on transfers from account ending in XXXX. I have made numerous fruitless attempts, to explain the {$16.00} DEBITS ( from account ending in XXXX ). On XX/XX/XXXX, l gathered and emailed 61 pages to Freedom Mortgage loss mitigation department. Freedom Mortgage  acknowledged receipt of all pages on XX/XX/XXXX. It is my understanding from Freedom Mortgage that the purpose of the bank statements is to verify my income was received ( bank statements included in the 61 pages emailed ) and verify all income ( all deposits were explained with letters in 61 pages sent on XX/XX/XXXX ). My loan modification application ( as of XX/XX/XXXX ) is pending closure per Freedom Mortgage because of failure to explain the transfers from account in XXXX. \n\nBecause of the delay in my loan modification application review which, violates mortgage servicing rules I was deprived of the ability to make an informed choice about how to save my home, which caused me to file for bankruptcy.","date_sent_to_company":"2019-01-26T23:59:07.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"761XX","tags":null,"has_narrative":true,"complaint_id":"3134301","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2019-01-26T21:15:30.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Because of the delay in my loan modification application review which, <em>violates</em> <em>mortgage</em> servicing <em>rules</em> I was deprived of the ability to make an informed choice about how to save my <em>home</em>, which caused me to file for bankruptcy."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"company":["Freedom <em>Mortgage</em> Company"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[17.15959,"3134301"]},{"_index":"complaint-public-v1","_id":"15618422","_score":17.127571,"_source":{"product":"Mortgage","complaint_what_happened":"Friday, XX/XX/XXXX Formal Complaint Violation of FHA Forbearance Rights by Carrington Mortgage To Whom It May Concern, As a borrower with an FHA-insured mortgage currently facing a verifiable medical hardship ( a XXXX XXXX XXXX sustained in XX/XX/XXXX ), I am submitting this formal complaint against Carrington Mortgage Services for egregious and deliberate violations of U.S. Department of Housing and Urban Development ( HUD ) guidelines, FHA servicing rules, and consumer protection laws. Carrington Mortgage has willfully and repeatedly denied my lawful request for a forbearance based on hardship. Instead, they falsely claimed that FHA forbearance only applies to borrowers experiencing employment-related hardship. The date of occurrence happened on Thursday, XX/XX/XXXX and XX/XX/XXXX when I spoke with XXXX, in escalations on the XXXX and XXXX and XXXX on the XXXX. \n\nThis is categorically false and directly contradicts HUDs own guidance, which allows forbearance based on any verifiable hardship including medically documented XXXX. Under HUD Mortgagee Letter XXXX, Section III, FHA explicitly states : The Mortgagee must offer the Forbearance Option to any Borrower that experiences a verifiable hardship... The Borrowers attestation to a financial hardship is sufficient.\n\nCarrington misrepresented my request by improperly categorizing it as mortgage assistance, and attempted to force me into an underwriting process under a so-called streamline review. This maneuver directly undermines the intent of FHA forbearance and constitutes obstruction and misclassification of my rights under federal mortgage servicing law. Additionally, Carringtons representatives asked unlawful questions such as : Is there anyone else in your home who can assist in making the mortgage payments?\n\nThis question is not only irrelevant under HUD loss mitigation policy, but may constitute a violation of the Equal Credit Opportunity Act and the Fair Housing Act, particularly when used to deny loss mitigation to a borrower with a documented XXXX. \n\nWhen I refused to answer that illegal question and instead insisted on a review consistent with HUD rules, Carrington summarily canceled my application leaving me without relief, at risk of default, and with worsening medical symptoms triggered by the stress of the interaction. Carrington Mortgages actions violate : - HUD Mortgagee Letter XXXX - HUD Handbook 4000.1, III.A.2.k - The Fair Housing Act ( 42 U.S.C. 3601 ) - The Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) - The Dodd-Frank Act prohibition on unfair, deceptive, and abusive acts or practices ( UDAAP ) I am demanding immediate enforcement action and intervention. No borrower should be denied legally mandated FHA relief or subjected to discriminatory treatment due to a XXXX. \n\nI am currently current on my FHA mortgage, but Carrington Mortgage Services is refusing to grant me a verbal forbearance based on documented medical hardship, as required by HUD Mortgagee Letter 2023-15.\n\nThey are insisting on misclassifying my request as mortgage assistance and subjecting it to an underwriting process, which is not required under HUD rules. FHA allows forbearance based solely on borrower attestation of hardship, and I have clearly provided that.\n\nCarringtons refusal is forcing me into delinquency and may cause avoidable credit damage, despite the fact that I am eligible and timely in my request. This is a deliberate obstruction of an FHA-mandated relief option and violates federal servicing rules.\n\nI urgently request CFPB intervention to prevent negative credit impact, enforce HUD compliance, and stop Carrington from requiring underwriting for a forbearance that should be granted immediately by law.\n\nI am still current, but will become late solely because Carrington is refusing to grant me a forbearance that HUD requires them to approve. \n\nRespectfully, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX. \nXXXX XXXX","date_sent_to_company":"2025-08-29T19:48:29.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"604XX","tags":"Servicemember","has_narrative":true,"complaint_id":"15618422","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CARRINGTON MORTGAGE SERVICES, LLC","date_received":"2025-08-29T19:09:29.000Z","state":"IL","company_public_response":null,"sub_issue":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu"},"highlight":{"complaint_what_happened":["I am currently current on my FHA <em>mortgage</em>, but Carrington <em>Mortgage</em> Services is refusing to grant me a verbal forbearance based on <em>documented</em> medical hardship, as required by HUD Mortgagee Letter 2023-15.\n\nThey are insisting on misclassifying my request as <em>mortgage</em> assistance and subjecting it to an underwriting process, which is not required under HUD <em>rules</em>. FHA allows forbearance based solely on borrower attestation of hardship, and I <em>have</em> clearly provided that."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"company":["CARRINGTON <em>MORTGAGE</em> SERVICES, LLC"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[17.127571,"15618422"]},{"_index":"complaint-public-v1","_id":"3458390","_score":17.107128,"_source":{"product":"Mortgage","complaint_what_happened":"1 ) The mortgage servicer PHH Mortgage formerly Ocwen Loan Servicing, LLC had accepted and confirmed the submission for XXXX XXXX XXXX loan modification file on XX/XX/XXXX. \n\n2 ) PHH Mortgage formerly Ocwen Loan Servicing, LLC approved the trial modification on XX/XX/XXXX. Mr. XXXX made an completed all three trial payments dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ocwen Loan Servicing, LLC, currently PHH Mortgage did not send the final modification agreement ; however, Mr. XXXX always continued to make his payment with fail.\n\n3 ) PHH Mortgage, formerly Ocwen Loan Servicing, LLC realized in late XX/XX/XXXX that the final modification was not delivered to Mr. XXXX. PHH Mortgage allegedly then issued the final modification agreement in late XXXX and asked for Mr. XXXX to send back immediately. The modification agreement was not delivered within the time requested for document to be returned. Instead Mr. XXXX received agreement in mid to late XXXX. Upon receiving Mr. XXXX then called PHH Mortgage, and explained the situation. PHH Mortgage representative XXXX id # XXXX confirmed with MrXXXX XXXX that they would accept the final signed agreement because of the mix up and he would have no further problems. \n\n4 ) Mr. XXXX returned agreement as instructed and continued to make scheduled payment. However, PHH Mortgage cancelled the modification because, documents were not received per date on agreement ; and set a scheduled sale date. Although PHH Mortgage representative confirmed agreement would be accepted, as it was no fault of Mr. XXXX for the delayed return.\n\n5 ) When Mr. XXXX contested PHH Mortgage actions his funds were returned, and PHH has continued to push the sale date of XX/XX/XXXX. \n\n6 ) The actions of PHH Mortgage are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, PHH Mortgage violates the rule of RESPA AND ECOA, while failing to properly and timely provide Mr. XXXX with required documentation to complete modification, while discriminating against Mr. XXXX by not accepting said agreement. This practice violates federal law ( 12 C.F.R. 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking.\n\n7 ) As stated in the opening of this Notice of Error, Mr. XXXX complied with instructions provided by PHH Mortgage and continued to honor his payment commitment. However, a foreclosure sale date was scheduled, and final modification cancelled. As of XX/XX/XXXX, the sale date of XX/XX/XXXX remains on record.","date_sent_to_company":"2019-12-04T14:14:02.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"23060","tags":null,"has_narrative":true,"complaint_id":"3458390","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2019-12-04T14:02:49.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Dual tracking occurs when a <em>mortgage</em> servicer continues to foreclose on a borrower 's <em>home</em> while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, PHH <em>Mortgage</em> <em>violates</em> the <em>rule</em> of RESPA AND ECOA, while failing to properly and timely provide Mr. XXXX with required documentation to complete modification, while discriminating against Mr. XXXX by not accepting said agreement."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Conventional <em>home</em> <em>mortgage</em>"]},"sort":[17.107128,"3458390"]},{"_index":"complaint-public-v1","_id":"6773739","_score":17.017088,"_source":{"product":"Mortgage","complaint_what_happened":"The mortgage servicer Rushmore Loan Management Services , LLC made verbal and written promises to provide mortgage assistance. \n\nRushmore Loan Management Services , LLC was made aware financial hardship that I experienced with COVID-19. My income significantly decreased for a period, and I was not able to make my regular monthly payments. \n\nRushmore Loan Management Services , LLC started a loss mitigation process for me to obtain a loan modification to help lower my monthly mortgage payment and bring my loan current. \n\nThis process was started in XXXX XXXX and I worked with Rushmore Loan Management Services , LLC for several weeks providing document after document to only be informed on XX/XX/XXXX, that my file was abruptly closed and a sale date for XX/XX/XXXX, was entered into the system. Rushmore Loan Management Services , LLC would no longer assist me in any efforts to prevent foreclosure and I was not provided with any complete review for mortgage assistance programs. \n\nThe actions of Rushmore Loan Management Services , LLC are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance options. This practice violates federal law ( 12 C.F.R. j1024.41 ) ; The Consumer Financial Protection Bureau XXXX which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XXXX XXXX XXXX Among other things, the rules restrict dual tracking. \n\nRushmore Loan Management Services , LLC has established a history of misleading practices pertaining to CFPB guidelines and the Dodd-Frank Act which I have detailed in a Qualified Written Response dated XX/XX/XXXX XXXX","date_sent_to_company":"2023-03-30T19:19:39.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"206XX","tags":null,"has_narrative":true,"complaint_id":"6773739","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RUSHMORE LOAN MANAGEMENT SERVICES 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