{"took":127,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":31,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"22594769","_score":22.151646,"_source":{"product":"Mortgage","complaint_what_happened":"Subject : Incomplete Mortgage Accounting Records and Inflated Loan Balance Concerns Borrower : XXXX XXXX Loan Number : XXXX Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding Shellpoint Mortgage Servicing and the incomplete and inaccurate accounting records being used in connection with my mortgage loan and ongoing foreclosure proceedings. \n\nShellpoint Mortgage Servicing has repeatedly stated that it began servicing my loan in XXXX and has only provided payment history and transaction records beginning in XXXX. However, Shellpoint also claims that my loan has been delinquent since XXXX while simultaneously admitting it does not possess or has not provided complete accounting records prior to XXXX. \n\nDespite the absence of complete payment records from loan origination through XXXX, Shellpoint appears to have calculated the alleged balance using the original loan amount as though little or no prior payments were credited before servicing transferred to Shellpoint. This is deeply concerning because substantial payments were made on this mortgage over the years, including payments through bankruptcy proceedings and prior servicers. \n\nShellpoints own statements and records demonstrate that : * They do not possess or have not produced a complete accounting history prior to XXXX. \n* They can not fully document how the alleged balance was calculated from origination through servicing transfer. \n* They are relying on incomplete servicing records while pursuing foreclosure. \n* They continue asserting a default date of XXXX without providing a complete chain of payment history supporting that calculation. \n* Their accounting contains significant escrow increases and balance inflations that can not be independently verified due to missing historical records. \n\nThis raises serious concerns regarding : * Accuracy of the alleged mortgage balance * Accuracy of escrow shortages and advances * Whether prior payments were properly credited * Whether fees, escrow charges, interest, or advances were improperly added * Whether the current servicer possesses sufficient records to substantiate the amount claimed due Shellpoint has previously acknowledged to the CFPB that its servicing records only begin in XXXX. Therefore, the servicers inability to provide complete accounting prior to taking over servicing directly impacts the reliability of the amounts currently being demanded and used in foreclosure proceedings.\n\nI am requesting that CFPB require Shellpoint Mortgage Servicing to provide : 1. A complete loan-level accounting from origination to present 2. All servicing transfer and boarding records received from prior servicers 3. Complete payment histories prior to XXXX 4. Documentation supporting all escrow advances, taxes, insurance payments, fees, and corporate advances 5. Documentation showing how the current balance was calculated despite missing historical records 6. Clarification regarding how Shellpoint can legally verify an alleged default from XXXX while lacking complete payment records before XXXX I also request that foreclosure activity not proceed based upon incomplete and unsupported accounting records. \n\nThank you for your attention to this matter. \n\nXXXX XXXX","date_sent_to_company":"2026-05-26T23:07:53.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"12601","tags":null,"has_narrative":true,"complaint_id":"22594769","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2026-05-26T22:59:00.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["I am requesting that CFPB require Shellpoint <em>Mortgage</em> Servicing to provide : 1. A complete loan-level accounting from origination to present 2. All servicing transfer and boarding records received from prior servicers 3. Complete payment histories prior to XXXX 4. Documentation supporting all escrow advances, taxes, insurance payments, fees, and corporate advances 5. Documentation showing how the current <em>balance</em> was <em>calculated</em> despite <em>missing</em> historical records 6."],"product":["<em>Mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[22.151646,"22594769"]},{"_index":"complaint-public-v1","_id":"2071835","_score":21.60407,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX 2016 I called Ditech to make an almost {$2000.00} payment to my escrow account. The XXXX made a mistake and applied it as a payment to the mortgage even though I was 2 months ahead on payments.. I called Ditech in XXXX and brought the problem to their attention and they said they would fix it. They for some reason added {$5200.00} to my mortgage balance and never added my original payment to the escrow account. They have n't been able to explain what happened to the {$2000.00} or where it is. I talked with XXXX ( XXXX manager ) in XXXX and she said that the missing interest would be calculated and added to the balance and the mortgage and escrow accounts corrected. I am still waiting .... I asked XXXX several times where the amount of {$5200.00} came from and she would only say that it was a redistribution and could never explain to me the details of the actual amount of money or why my mortgage balance increased by that amount. I asked XXXX why my balance increased by the amount of {$5200.00} and she kept repeating that it was a redistribution - that does not answer my question. I asked XXXX to mail a letter explaining the redistribution, why the amount of {$5200.00} was added to my balance, and where the {$2000.00} went to ; of course she did not do what she told me she was going to do. \n\nThis problem has been going on since XXXX and Ditech lacks the competence and knowledge to correct their own problem and the only way I find out they are padding their profits and books is by me closely watching my balance. The amount of {$5200.00} plus the almost {$2000.00} needs to be reapplied back into my account, plus interest since XXXX. I also want an written explanation of what caused the problem, what they have done to correct it, why the actual dollar amount ( {$5200.00} ) was added to my balance, where the {$2000.00} escrow payment is, and what are they doing to guarantee this will not occur in the future. \n\nThere should also be fines and fees charged against Ditech. If I owed Ditech over {$7200.00}, plus interest, they would have their lawyers camping at my front door.","date_sent_to_company":"2016-08-19T17:49:12.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional fixed mortgage","zip_code":"28451","tags":null,"has_narrative":true,"complaint_id":"2071835","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ditech Financial LLC","date_received":"2016-08-19T17:49:11.000Z","state":"NC","company_public_response":"Company believes complaint is the result of an isolated error","sub_issue":null},"highlight":{"complaint_what_happened":["I talked with XXXX ( XXXX manager ) in XXXX and she said that the <em>missing</em> interest would be <em>calculated</em> and <em>added</em> to the <em>balance</em> and the <em>mortgage</em> and escrow accounts corrected. I am still waiting .... I asked XXXX several times where the amount of {$5200.00} came from and she would only say that it was a redistribution and could never explain to me the details of the actual amount of money or why my <em>mortgage</em> <em>balance</em> increased by that amount."],"product":["<em>Mortgage</em>"],"sub_product":["Conventional fixed <em>mortgage</em>"]},"sort":[21.60407,"2071835"]},{"_index":"complaint-public-v1","_id":"11336253","_score":21.460855,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/year>, I received a call from Roundpoint Mortgage Servicing regarding a missing payment. It was revealed that an increase of {$120.00} had been added to my escrow account, but I did not receive any prior notice of this change. During the call, the representative assured me that \" it would be fine if you pay the balance. '' The following month, I was charged a late fee of {$87.00}. I called the company to inquire about how the fee was calculated, and the representative explained that it was based on the overdue amount. She mentioned that her supervisor would follow up with me to explain the details, but I never received that call. \nGiven that the overdue amount was {$120.00} and the late fee charged was {$87.00}, this results in an annualized interest rate of XXXX XXXX, which I find excessive and unreasonable. I would like the agency to investigate this potentially unfair and illegal practice.","date_sent_to_company":"2024-12-31T15:18:46.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"024XX","tags":null,"has_narrative":true,"complaint_id":"11336253","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RoundPoint Mortgage Servicing LLC","date_received":"2024-12-31T14:48:55.000Z","state":"MA","company_public_response":null,"sub_issue":"Fees charged"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I received a call from Roundpoint <em>Mortgage</em> Servicing regarding a <em>missing</em> payment. It was revealed that an increase of {$120.00} had been <em>added</em> to my escrow account, but I did not receive any prior notice of this change. During the call, the representative assured me that \" it would be fine if you pay the <em>balance</em>. '' The following month, I was charged a late fee of {$87.00}."],"product":["<em>Mortgage</em>"],"company":["RoundPoint <em>Mortgage</em> Servicing LLC"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[21.460855,"11336253"]},{"_index":"complaint-public-v1","_id":"21752369","_score":17.685179,"_source":{"product":"Mortgage","complaint_what_happened":"I am the owner of this property by way of deed of trust from XX/XX/XXXX. \nI am requesting the full loan file and complete account history because the information provided by the servicer is incomplete and inconsistent. \nThe loan shows a due date beginning XX/XX/XXXX, but the account history I received only reflects activity from XX/XX/XXXX through XX/XX/XXXX, leaving a significant gap from XXXX through XXXX with no explanation of payments, servicing activity, or account status during that time. Despite this missing history, the company is claiming the loan is approximately 898 days delinquent as of XX/XX/XXXX. \nThe mortgage statement dated XX/XX/XXXX shows an outstanding principal balance of {$310000.00}, an interest rate of XXXX XXXX, and a total amount due of {$74000.00} to bring the loan current. However, the statement also shows that no principal or interest payments were applied, and instead fees, late charges, and escrow adjustments were added. \nThe account history shows a loan servicing transferred entry on XX/XX/XXXX, along with escrow advances, reversals, and late charges, but does not provide a full breakdown of how the balance and delinquency were calculated from the start of the loan. \nAdditionally, the servicing of the loan was transferred effective XX/XX/XXXX from XXXX ( servicing under XXXX ) to XXXX XXXX. I have not been provided with complete documentation of the loan transfer history, including assignments, allonges, or ownership records showing who legally holds the loan. \nI am requesting the complete loan file, including : Full payment history from loan origination to present All servicing records and notes Complete escrow history and analysis Copies of the promissory note, allonges, and any endorsements All assignments and transfer documents between entities Documentation showing how the delinquency amount was calculated Any records identifying the correct borrower and obligor on the loan I have made multiple attempts to obtain this information, but the responses provided have been incomplete and do not reconcile the discrepancies in the account. \nThis lack of transparency is preventing me from verifying the validity of the debt and the accuracy of the amounts being claimed.","date_sent_to_company":"2026-04-30T16:07:38.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"23669","tags":null,"has_narrative":true,"complaint_id":"21752369","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Dovenmuehle Mortgage, Inc.","date_received":"2026-04-30T15:41:22.000Z","state":"VA","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["Despite this <em>missing</em> history, the company is claiming the loan is approximately 898 days delinquent as of XX/XX/XXXX. \nThe <em>mortgage</em> statement dated XX/XX/XXXX shows an outstanding principal <em>balance</em> of {$310000.00}, an interest rate of XXXX XXXX, and a total amount due of {$74000.00} to bring the loan current. However, the statement also shows that no principal or interest payments were applied, and instead fees, late charges, and escrow adjustments were <em>added</em>."],"product":["<em>Mortgage</em>"],"company":["Dovenmuehle <em>Mortgage</em>, Inc."],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[17.685179,"21752369"]},{"_index":"complaint-public-v1","_id":"2857398","_score":16.902983,"_source":{"product":"Student loan","complaint_what_happened":"I am writing to enter a student loan complaint for my wife against the Navient Company. \nNavient has a loan with my wife sinceXX/XX/XXXX. They have not provided monthly statements regarding her accounts. They did not fully disclose where her payments were applied. For instance, they would give her a monthly statement then skip 2 months before the next statement. Her balance kept rising even when she paid the monthly bill. There were many months none of her payment went to principal even though she paid every month, and then they would add an additional XXXX or XXXX hundred dollars to interest without explanation. We contacted them several times and the service rep could not provide explanation neither could their mailed responses. The bill would never get paid this way. \nWhat we want at this point is discovery like they provide in the courts. That is a full disclosure of monthly statements of the two loans since it's inception, detailing the principal, interest charge, payments made to principal, payments made to interest and ending balance each month just like the amortizations that is provided with a home mortgage loan. \nAttachments : Attached is Exhibit 1 : dated XX/XX/XXXX. \nThe Effective Date is the first column displayed. \nIt starts at XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX etc. \n\n1. We would like to see the missing statements of XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX etc. \nfor every month interest was accruing and recorded. We want to examine how the interest is accruing and would like to see the results of how our payments are applied. \n\n2. Also on exhibit 1 for the following dates : XX/XX/XXXX We want to know what was the transaction amount for and how did interest of {$640.00} get accumulated if it is the first transaction of the loan. If it is not the first transaction then we need to see the first transaction from the inception of the loan. \n\n3. XXXX/XXXX/XXXX Explain what is the transaction amount of {$21000.00}. Do you have documentation of this transaction? \n3. XX/XX/XXXX How is the principal amount {$15000.00} on a {$5000.00} transaction? \n4. XX/XX/XXXX What is the basis of transaction amount {$15000.00} and if this is a new loan amount how is {$730.00} automatically added on to it? Where does this interest come from? What are the principal, interest rate and period this interest amount is calculated from? \n5. XX/XX/XXXX What is capitalized interest? That needs to be broken down on a monthly basis. \n6. XX/XX/XXXX is missing along with other months. \n7. XX/XX/XXXX Why none of the {$300.00} payment is applied to interest when a payment was applied just the month before? The same question for payments applied XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. \n8. Exhibit 2 Capitalized Accrued interest of {$570.00} dated XX/XX/XXXX. What is that for? That needs to be itemized. In Exhibit 1 to see how that figure was obtained. On Exhibit 1 XXXX paid the amount of {$290.00} on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and that approximate amount for every month there after until the year XXXX. So how does an extra {$570.00} in interest pop up? These inconsistencies appear throughout her loan period. \n9. Exhibit 3 - Capitalized Accrued interest of {$2300.00} needs to show how calculated. \n10. I could go on and on with the inconsistencies of this loan but I won't. However the questions that I set forth needs to be answered. Can you determine and follow how these interest amounts are calculated?","date_sent_to_company":"2018-03-28T13:29:40.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"27610","tags":null,"has_narrative":true,"complaint_id":"2857398","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2018-03-28T12:32:18.000Z","state":"NC","company_public_response":null,"sub_issue":"Don't agree with the fees charged"},"highlight":{"complaint_what_happened":["XX/XX/XXXX What is the basis of transaction amount {$15000.00} and if this is a new loan amount how is {$730.00} automatically <em>added</em> on to it? Where does this interest come from? What are the principal, interest rate and period this interest amount is <em>calculated</em> from? \n5. XX/XX/XXXX What is capitalized interest? That needs to be broken down on a monthly basis. \n6. XX/XX/XXXX is <em>missing</em> along with other months. \n7."]},"sort":[16.902983,"2857398"]},{"_index":"complaint-public-v1","_id":"1458321","_score":16.664482,"_source":{"product":"Mortgage","complaint_what_happened":"- My year to date escrow balance on my mortgage statements dated XX/XX/XXXX through XX/XX/XXXX show a different balance than I have made so far for the year. This is alarming because Ocwen can not account for the additional balance reflecting in my ytd escrow account. \n\n-I am forced every time to purchase a tracking number when mailing in my monthly payment because Ocwen will hold my payment and apply it or misapply it to my account whenever they feel like it, and try to get you to pay a late fee and inspection fee. Ocwen continues to fail to provide adequate servicing to my account and it has caused far too many concerns with the accuracy of the information on my account. \n\n-Ocwen keeps changing my contractual payment back and forth due to their negligence with the servicing of my payments and escrow account balance. I have brought my concerns to Ocwen 's attention over and over only to receive the run around. I do not trust the employees in Ocwen 's Ombudsman office or escalation department because they are corrupt and not transparent with their response. \n\n-Ocwen keeps sending me a manual calculated escrow analysis after I asked them to stop because the amounts stated under the escrow cushion and potential escrow shortage section of the analysis does not add up to the total amount Ocwen claims I owe for a shortage. Ocwen refuse to send me a computer generated escrow analysis report. \n\n-I have made an ongoing effort to voice my concerns to Ocwen regarding the processing of my loan modification offer. During my modification process I had to fight to get the discrepancies with the wrong income amount, wrong principal balance, and property value updated and corrected. However, I have been going in circles with them from XXXX to current about the inflated XXXX BPO report used to determine if my loan modification offer was eligible for a principal forgiveness. I requested to have an independent BPO or appraisal done, but Ocwen will not accept a XXXX party report. I provided them with several different online BPO reports showing the difference in my home value, but they refuse to use the full report. Ultimately I had to deny the modification offer because of the large balloon payment attached. \n\n- Upon withdrawing my modification application I requested that Ocwen reverse all my payments that were applied as forbearance payments and apply them as contractual payments. From XXXX to current Ocwen has performed several escrow analysis on my mortgage, and they keep coming up with different escrow shortages that do not add up, and it is affecting my fixed monthly contractual payments. \n\n-My current loan modification agreement from XX/XX/XXXX disclosed that it is a XXXX agreement. I asked Ocwen to confirm if this is accurate information so I could try and get assistance through XXXX with my modification, but they will not provide me with any documentation from the note holder that supports what type of agreement I have. \n\n-I received an incomplete payment history that is missing documentation of my payments made when Ocwen began servicing my loan in XXXX, and the history is full of XXXX payments that makes it hard to read and get a correct understanding of how my payments were applied. \n\n-I have statements dated from XXXX that are missing from the statement section of my online account. I asked for this to be researched and corrected, but to date Ocwen has provided me with no response. \n\n-Ocwens Ombudsman and escalation/research department is full of representatives that are unprofessional people who provide a whole bunch of untimely run around answers.","date_sent_to_company":"2015-07-08T15:41:39.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional fixed mortgage","zip_code":"33032","tags":null,"has_narrative":true,"complaint_id":"1458321","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2015-07-08T15:41:38.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["- My year to date escrow <em>balance</em> on my <em>mortgage</em> statements dated XX/XX/XXXX through XX/XX/XXXX show a different <em>balance</em> than I have made so far for the year. This is alarming because Ocwen can not account for the additional <em>balance</em> reflecting in my ytd escrow account."],"product":["<em>Mortgage</em>"],"sub_product":["Conventional fixed <em>mortgage</em>"]},"sort":[16.664482,"1458321"]},{"_index":"complaint-public-v1","_id":"2234295","_score":12.767359,"_source":{"product":"Credit card","complaint_what_happened":"A payment to my American Eagle credit card, backed by Synchrony Bank, was made in error apparently, leaving a {$3.00} balance for whatever reason, and I was never notified my account was now in default, considered 'delinquent '. The payment was taken for {$25.00}, not the {$28.00} that was the balance on the card. I never once received a call, postal notification, nor an email correspondence telling me my account was nearing a 30-day collection status. I have never made a late payment - I have had ZERO 'missed payments ' reflected on my credit history for anything, and this {$3.00} and change discrepancy was reported to the major credit bureaus, causing my credit to plummet, without any notification to me, the customer. Had anyone contacted me, I would have immediately made any payment that was required, which I did immediately after finding out this {$3.00} discrepancy caused a mountain of issues, affecting my ability to secure a home mortgage for my toddler and myself. I would never had knowingly left a {$3.00} balance on ANY credit card. Coupled with the fact I was never notified about my account status is bordering on/is already fraudulent. As soon as I saw a drastic change to my credit score, all while in the middle of obtaining a mortgage, I investigated and saw American Eagle coming up as in collection status. I was alarmed, thinking someone stole my credit card information. I logged into my online mobile Synchrony Bank/AE CC account only to see a fee of {$5.00} now added to my account with a due date of XXXX XXXX. No notification of a 'past-due/frozen/delinquent ' account status ; only a due date for a balance I never knew I was carrying of an entire {$11.00}, including fees and interest. I immediately opened up a complaint with Synchrony Bank/AE credit services last evening, XXXX/XXXX/16, as soon as I saw this delinquency/missed payment on my credit report. In a recorded conversation last night with a customer service rep for Synchrony said this was an error, whether it be on my end or theirs, that can and will be rectified. I call back this morning only to be told, by a supervisor, I am not able to be provided with a report/investigation number and this will take 30 business days. They asked if I would like a call back once completed. OBVIOUSLY I want a call back but what are they completing? It 's pretty cut and dry - Synchrony Bank, did not take a full payment as I elected ( defaulted to mininimum ), they did not call me nor mail me anything about delinquency, nor did I ever receive any correspondence saying I had an overdue balance remaining on the card. I have never carried a large balance on my AE credit card nor have I ever missed a payment reported to credit bureaus. I did not even log into my online AE mobile account last month, as I was under the impression I had a zero balance as I had elected to pay the {$28.00} and change in XXXX, as my minimum was apparently {$25.00}, which makes no sense to me but that may be how Synchrony calculates minimum payments. Now it 's XXXX and I am just learning of this remaining {$3.00} plus now interest, fees, and a negative report to credit bureaus. I check my credit reports multiple times a month and nothing was coming up negative until XXXX/XXXX/16. I am completing this complaint as I feel I am being taken advantage of after being a longstanding customer of Synchrony Bank, carrying multiple store cards backed by them, never missing a payment, no negative reports to credit bureaus throughout my entire credit history with this bank ( except now ), and should have either rectified the mistake back in XXXX 2016, contacted me in the two plus months since my last payment in XXXX, or during my XXXX recorded calls to Synchrony Bank/AE offered any solution whatsoever. I was hung-up on by a supervisor and a lower-level representative. Horrible customer service with zero regard for customers or fair credit laws.","date_sent_to_company":"2016-12-03T19:56:17.000Z","issue":"Billing disputes","sub_product":null,"zip_code":"02840","tags":null,"has_narrative":true,"complaint_id":"2234295","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2016-12-03T19:56:17.000Z","state":"RI","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":["As soon as I saw a drastic change to my credit score, all while in the middle of obtaining a <em>mortgage</em>, I investigated and saw American Eagle coming up as in collection status. I was alarmed, thinking someone stole my credit card information. I logged into my online mobile Synchrony Bank/AE CC account only to see a fee of {$5.00} now <em>added</em> to my account with a due date of XXXX XXXX."]},"sort":[12.767359,"2234295"]},{"_index":"complaint-public-v1","_id":"5695515","_score":12.51768,"_source":{"product":"Mortgage","complaint_what_happened":"We file this complaint today to seek consumer assistance due to overcharged amount and excessive fees by Specialized Loan Servicing ( SLS ) against our home mortgage. I am the co-borrower and my husband is the primary borrower. In XX/XX/XXXX, we were approved under HAMP for a permanent loan modification with the Pre-modification monthly trial was {$1500.00}. Upon completing successfully these 3 months free trial, SLS offered us a mortgage relief option to pay {$980.00} a month. We called SLS via XXXX and spoke with XXXX teller ID XXXX on XX/XX/XXXX and accepted this offer. As agreed, we authorized SLS under XXXX  XXXX XXXX Loan # XXXX XXXXand now XXXX to start automatically withdrawing {$980.00} each month from our bank checking account through XXXX XXXX XXXX XXXX XXXX. \nEnd of XXXX, we put our house was in short sales because it has been falling into serious disrepair, plumbing problems, wet basement leaking furnace, rotten out windows and needed full kitchen repair and roof replacements. In or about XX/XX/XXXX, XXXX XXXX XXXX sent its own appraiser to check the value of our house. According to their underwriter quantitative analysis appraisal report ( please see attached appraisal report ), they estimated it to be roughly {$120000.00}. We believe that SLS presented us that mortgage relief option {$980.00} a month, this is because of that costly repair. We decided to go for short sales because of our terrible experiences through countrywide predatory lending in XXXX, later on XXXX  XXXX XXXX and account # XXXX. In or about XX/XX/XXXX, a potential buyer made an offer for $ XXXX. According to XXXX XXXX XXXXXXXX XXXXppraisal report, likely they were going to accept that offer. Not being able to find a new place to move in, so we decided to back-up and cancel that short sale to remain into our home. \nAs the COVID-19 pandemic hit, SLS mailed us a notice and requested us to apply for forbearance. This program was set-up to help struggling homeowners to stay in their home. About XX/XX/XXXX, SLS stopped debiting the monthly payment ( {$980.00} ) from our checking account for no reason. At no times did we ever express or sign any forbearance paperwork and ask SLS to stop payments. Due to SLS unfair business practices to discontinue those automatic withdrawals, we fell behind in our mortgage payments. SLS mislead us for breaking the agreement. As the forbearance is over, we contacted SLS numerous times via XXXX and spoke with XXXX XXXX ID XXXX to ask them to resume payments but instead they and their attorney XXXX & XXXX chose foreclosure and another loan modification package in the mail. We said no. Again, we contacted SLS and spoke with XXXX ( teller Id # XXXX ) to debit that {$980.00} monthly but they still refused. Beginning XX/XX/XXXX ; we called again SLS and spoke a few times with our assigned agent XXXX ( teller ID XXXX ) to ask for a reinstatement to bring our loan status current. Our assigned agent XXXX told us that our total due amount was {$38000.00} as of XX/XX/XXXX. ( Please see attached statements and previous checking account withdrawals ) The main reason why we are complaining here is to dispute that bad payment that was due to bring our loan current. Based on that mortgage relief option being approved, our formal agreement with SLS has been {$980.00} each month whereas SLS calculated those missing monthly payments as {$1500.00} and added a lot of illegal fees to that account. We felt being overcharged at least {$15000.00} by SLS. SLS committed unfair and deceptive business practices to force us paying {$42000.00} on XX/XX/XXXX as the reinstatement balance was supposed to be much lower than that. On XX/XX/XXXX, the assigned agent XXXX XXXX id XXXX said that we must pay that {$42000.00} or XXXX is going to foreclose on us. To resolve the problem, we would appreciate for the banking commissions to review those files and make SLS to comply and refund us that disputed amount of {$15000.00}. Also, we want SLS to confirm the principal outstanding balance. \nI look forward for a formal investigation and hearing from you soon. \nRespectfully, Thanks Please contact us at XXXX XXXX","date_sent_to_company":"2022-06-22T04:30:42.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"061XX","tags":null,"has_narrative":true,"complaint_id":"5695515","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Loan Servicing Holdings LLC","date_received":"2022-06-22T00:13:48.000Z","state":"CT","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Based on that <em>mortgage</em> relief option being approved, our formal agreement with SLS has been {$980.00} each month whereas SLS <em>calculated</em> those <em>missing</em> monthly payments as {$1500.00} and <em>added</em> a lot of illegal fees to that account. We felt being overcharged at least {$15000.00} by SLS. SLS committed unfair and deceptive business practices to force us paying {$42000.00} on XX/XX/XXXX as the reinstatement <em>balance</em> was supposed to be much lower than that."],"product":["<em>Mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[12.51768,"5695515"]},{"_index":"complaint-public-v1","_id":"5547255","_score":12.32233,"_source":{"product":"Mortgage","complaint_what_happened":"NationStar dba Mr. Cooper is our loan servicing company. They have now rebalanced our escrow amount twice in the last few months ( XXXX and then again in XXXX ). \nGiven how many marketing and spam letters in the mail and phone calls I receive from them, I missed the official communication from them that the amount due had changed starting XX/XX/XXXX. I sent the incorrect payment in for two months in a row ( XXXX and XXXX ). On XX/XX/XXXX, I realized the problem and went online to their website to fix the issue. I submitted a payment for {$210.00} which was the balance due on the account and received a confirmation email ( including confirmation number XXXX ) from Mr. Cooper stating they received my payment and it would be posted to my account within 48 hours. On XX/XX/XXXX, I received another email saying the payment had been posted to my account. \nOn XX/XX/XXXX, when I was logged into the website that the escrow balance was readjusted AGAIN. Between the 2 adjustments, our escrow payment increased {$260.00} a month for a total annual increase of {$3100.00}. The first escrow rebalance sheet sited a shortage of {$820.00}. Adding that to the increase in property taxes ( {$78.00} ) and the increase in homeowner 's insurance ( {$830.00} ), the total ( {$1700.00} ) is FAR less than the annual increase of {$3100.00} that they are now collecting. I called into their customer service to inquire why it was adjusted and why for so much. The associate could not answer questions and could not locate the payment I had sent for {$210.00}. He told me to wait a little longer for the payment to post and call back again. \n\nIn early XXXX I called again and talked to a lady customer service agent. The payment for {$210.00} still had not posted. She started a 'lost payment inquiry ' and told me it would take 5-7 business days to resolve. I again asked if she could request a recalculation of our escrow as the amount it increased seemed unreasonable and too high. She kept just explaining how an escrow payment was calculated ( which I understand and can see on their documents ) however refused my requests for the escrow to be recalculated. \n\nIn XXXX I called again. We are trying to refinance another mortgage ( not this one ) and there are 2 negative marks on our Credit Report. Both from Mr. Cooper for delinquent payments. The missing payment is still not posted to my account and the associate again initiated a 'lost payment inquiry '. She also put in a request for a manual recalculation of the escrow account ( off-schedule ). She promised that I would have both in 5-7 business days. For the Credit Report, she told me to send an email to a certain email address with the details of my credit report inquiry for the delinquincies and provide all the above information regarding the two payments I did make those months and the lost payment that I made on XX/XX/XXXX to pay the balance due on the account. She said I should hear back from that Research group within 5- 7 business days.\n\nI have not heard back or seen any payment posted or escrow recalculation for the first two requests and it has been several weeks now. I did receive a message that they received my Credit Report inquiry but, by law, they were allowed 30 days to respond. So that is also not resolved and now the refinance of my other mortgage is unable to move forward. \nI am frustrated and upset at the lack of ability for Mr. Cooper to track and find payments made. For their recalculation of Escrow accounts that can be done quickly when it is to their benefit, however can not seem to be completed otherwise.\n\nI am extremely angry that we have lost a good rate and a good loan because our credit report has 2 negative marks from Mr. Cooper 's negligence. We have always had perfect credit.","date_sent_to_company":"2022-05-06T00:36:28.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"86004","tags":null,"has_narrative":true,"complaint_id":"5547255","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2022-05-05T23:43:14.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["She kept just explaining how an escrow payment was <em>calculated</em> ( which I understand and can see on their documents ) however refused my requests for the escrow to be recalculated. \n\nIn XXXX I called again. We are trying to refinance another <em>mortgage</em> ( not this one ) and there are 2 negative marks on our Credit Report. Both from Mr. Cooper for delinquent payments. The <em>missing</em> payment is still not posted to my account and the associate again initiated a 'lost payment inquiry '."],"product":["<em>Mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[12.32233,"5547255"]},{"_index":"complaint-public-v1","_id":"13117819","_score":12.121733,"_source":{"product":"Mortgage","complaint_what_happened":"PENNYMAC LOAN SERVICES LLC THE MORGAGE SERVICING FOR MY MORTGAGE LOAN ; THAT HAS BROKEN NUMEROUS FEDERAL AND STATE LAWS .. IS TRYING FORECLOSE ON MY HOME WHEN AT THAT TIME I HAD MADE ALL PAYMENTS, THEY HAD OVERBILLED MY LOAN, RAISED MY MONTHLY PAYMENTS BY OVER {$500.00}, USED THE FALSELY BILLED AMOUNTS AND ACCOUNT BALANCE TO SAY THAT I HAD MISSED PAYMENTS AND NOW AT THIS TIME THEY ARE : I HAVE REQUESTED TO BE IN ONE OF THE HUD PROPRAMS FOR AVOIDING FORECLOSURE AND THEY ARE TRYING TO DO MORE ILLEGAL ACTS .. DOUBLEING MY INTEREST RATE, RASING MY PAYMENTS, HIDE THESE BY ADDING 20 YEARS TO THE LOAN .. AND IN THE AMOUNT BEING PUT INTO A HUD LOAN ALL THE OVER BILLING AND ADDED CHARGES THAT I DO NOT OWE AND ADDING ADDITIONAL TERMS TO THE LOAN TO FURTHER CAUSE MORE NEGITIVE EFFECTS ON ME : : I HAVE DETAILED WHAT THEY HAVE DONE HERE ; Pennymac Loan Service LLC Perpetrated numerous wrongful actions, perpetuated over an extended period of time, causing irreparable damage, sustained hardships, suffering mental anguish and physical distress. \n\nI have left some of their behavior and actions out as it is already a great deal being required to be included in this statement of complaint, necessary to provide a proper accounting of the major offences Pennymac has committed and are solely responsible for.\n\nAnd is still on going to the present time I have attached documentation in support of all claims contained including : XXXX XXXX Treasurers statements, bank statements, Pennymac escrow statements, corrected billing amounts, payment history, and proper account balances, etc. \n\nI have provided references to these attached documents with their corresponding events, represented by ( DOC ) identification numbers posted on each of the documents, I begin with the primary inciting events OVERBILLING OF ESCROW AND MONTHLY PAYMENT AMOUNTS, UNLAWFUL DEBT COLLECTION PRACTISES, FAILURE TO PERFORM PROPER AND REQUIRED CORRECTIVE ACTIONS Received Pennymac regular escrow statement dated XX/XX/XXXXXXXX  ( XXXX XXXX XXXX ) New monthly payment amount $ XXXX county tax amount {$1400.00} 3 months later received 2nd Pennymac escrow statement dated XX/XX/XXXX ( XXXX XXXX XXXX ) New monthly payment amount $ XXXX county tax amount {$7000.00} XXXX XXXX Treasurer tax statement for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX XXXX XXXX ) net tax {$1500.00} total annual charges {$2900.00} Pennymac billed {$2900.00} by XXXX XXXX Treasurer, Pennymac billed my escrow account {$7000.00} Difference of {$4100.00} overbilling causing monthly payment amount to Increase from {$990.00} to {$1500.00} Difference of {$500.00} overbilled monthly Corrected monthly payment amount using the correct values {$1000.00} XXXX XXXX tax {$2900.00} Mortgage Ins. {$1000.00} Hazard Ins. {$1100.00} {$5000.00} DIV x XXXX {$420.00} {$420.00} + P & I {$670.00} = {$1000.00} Pennymac {$1500.00} - Corrected {$1000.00} {$410.00} overbilled monthly payment amount x XXXX = {$4900.00} Total for XXXX XXXX billing cycle Contacted Pennymac several times and advised of the error. and disputed charges Initially I had not looked closely at the details, just knew this was incorrect. I therefore continued making monthly payments of {$990.00} As this amount corresponded with the amounts I had been paying since refinanced loan In XXXX which is when Pennymac became the servicer without my authorization or Consent. \n\nIn fact made additional payments along with the regular monthly payments Example of payment amount history up to this point XXXX  {$960.00} XXXX  {$930.00} XXXX {$940.00} XXXX {$960.00} ( corrected proper amount, as I was To discover Pennymac began overbilling at This time The following year Pennymacs new escrow statement dated XX/XX/XXXX ( XXXX XXXX XXXX ) Now arriving 3 months later than the previously regular dates Stating new monthly payment amount $ XXXX XXXX tax amount {$5300.00} XXXX XXXX Treasurer 's statement for XX/XX/XXXX - XX/XX/XXXX Net tax {$1600.00} total annual charges {$2500.00} ( XXXX XXXX XXXX ) Pennymac billed {$2500.00} by XXXX XXXX Treasurer. \nPennymac billed my escrow account {$5300.00} Amounting to {$2700.00} overbilling Corrected proper monthly payment amount using proper values $ XXXX XXXX tax {$2500.00} Mortgage Ins. {$970.00} Hazard Ins. {$1200.00} Total {$4800.00} div x XXXX = {$400.00} {$400.00} + P & I {$670.00} {$1000.00} corrected proper monthly payment amount Pennymac monthly payment amount {$1300.00} Corrected proper payment using proper values {$1000.00} Pennymac {$1300.00} - {$1000.00} corrected proper amount {$220.00} overbilling monthly When I finally did begin reviewing the account activities found overbilling on XXXX  billing Cycle ( XXXX XXXX  XXXX ) ( XXXX # XXXX ) Pennymac billed monthly payment amount of {$1000.00} Corrected proper monthly payment amount using correct values {$960.00} Pennymac {$1000.00} - {$960.00} proper corrected amount = {$55.00} overbilled monthly = {$660.00} total overbilled amount for XXXX {$660.00} overbilling for XXXX {$4900.00} overbilling for XXXX {$2700.00} overbilling for XXXX {$8300.00} total overbilling for XXXX XXXX XXXX FUNDS MISSING FROM ESCROW ACTUAL ACCOUNT BALANCES While reviewing details of account activity more closely found additional discrepancy. \n\nEscrow statement account balances ending balance from one billing cycle to beginning Balance of the next cycle missing amounts with no corresponding disbursement Ending balance for XX/XX/XXXX. XXXX = + {$1300.00} Beginning balance for XX/XX/XXXX. XXXX + XXXX {$1.00}, XXXX gone ( XXXX, XXXX ) Ending balance for XX/XX/XXXX = + {$950.00} Beginning balance for XX/XX/XXXX = + {$690.00} {$260.00} gone ( XXXX, XXXX ) Ending balance for XX/XX/XXXX = XXXX Beginning balance for XX/XX/XXXX = - ( XXXX ) {$970.00} gone ( XXXX, XXXX ) Ending balance for XX/XX/XXXX = + {$870.00} Beginning balance XX/XX/XXXX = - ( XXXX ) {$1100.00} gone ( XXXX, XXXX ) {$1200.00} XXXX {$260.00} XXXX {$970.00} XXXX {$1100.00} XXXX {$3600.00} total of money unaccounted for, vanished, For. XXXX, XXXX, XXXX, XXXX Ending balance for XX/XX/XXXX = - ( {$3000.00} ) Beginning balance for XX/XX/XXXX = - ( XXXX ) - ( XXXX )??? gone ( XXXX, XXXX ) Ending balance XX/XX/XXXX = {$2400.00} Beginning balance for XX/XX/XXXX = - ( XXXX ) {$2600.00} gone ( XXXX, XXXX ) Ending balance for XX/XX/XXXX = + {$6200.00} Beginning balance for XX/XX/XXXX = - ( {$3900.00} ) {$10000.00} gone ( XXXX, XXXX ) - ( {$170.00} ) XXXX {$2600.00} XXXX {$10000.00} XXXX {$13000.00} XXXX {$3600.00} XXXX - XXXX {$13000.00} XXXX - XXXX {$16000.00} total from XXXX - XXXX MISREPRESENTATION STATUS, MISSING PAYMENTS, FALSE ACCOUNT BALANCING, EXCESSIVE THIRD PARTY CHARGES, FAILURES REGARDING QWR ERROR CORRECTION, AND IMPROPER RESPONSE TO ERROR AND DISPUTE, WRONGFUL FORECLOSURE PROCESS. \n\nAs previously mentioned I had been consistently making regular Monthly payments in the amount of {$990.00} along with additional Payments to assure any missed payments had been cured, as I had worked very hard to make up for 3 missed payments that had occurred in XXXX  due To a change of employment in XXXX of XXXX. \n\nUpon returning to regular Employment, resumed normal monthly payments and when possible made extra payments to cure the missed ones beginning the month of XX/XX/XXXX. ( see attached ( XXXX ), ( XXXX ) containing corrected value of payment history and proper account balances up to and including XXXX XXXX ) By the month of XX/XX/XXXX, Had managed to cure 2 of the 3 missed Payments and had 1 remaining In the month of XX/XX/XXXX I had managed to clear all missed payments ( using proper payment amounts ) and continued to make multiple Payments monthly that accounted for all monthly payments up to and Including XX/XX/XXXX .Again using the correct monthly payments And account balances ( XXXX, XXXX ) In fact had made payments totaling {$20000.00} from XXXX of XXXX to XXXX of XXXX. ( see attached ( XXXX ), ( XXXX ) of Bank statements showing payments made to Pennymac ) Also prior to, threw this time and continuing to the current time Pennymac billed excessive third party charges for property inspection and property preservation fees. beginning in XXXX but occurring Monthly from XXXX including multiple times in the same months up to 3 times in the months of XX/XX/XXXX, XX/XX/XXXXXXXX  and XX/XX/XXXX. and continuing monthly to XX/XX/XXXX. and appears from What billing statements I have seen, has continued threw to the current time Along with the amounts of these charges having been increased since XXXX of XXXX In XXXX of XXXX began receiving from Pennymac and XXXX XXXX. Notices of default, demands for Payments of full balance plus additional fees and charges and notice of Non-judicial foreclosure proceeding had been filed by XX/XX/XXXXXXXX  These notices contained varying amounts, but included Demands for missed payment from XX/XX/XXXX and all subsequent Payments forward, foreclosure fees, and other fees and charges. \nTotaling amounts from {$8200.00} up to {$9800.00} for the same time Frame The demands for full balance payment including additional fees and Charges from {$130000.00} up to {$130000.00} again for the same time Frame.\n\nPlease again refer to attached XXXX, XXXX, XXXX, XXXX Confirming all monthly payment amounts accounted for and payments Made threw XX/XX/XXXXXXXX   which accounts for all monthly payment Threw to and Including XX/XX/XXXX. \n\nI later noted this activity began immediately following the expiration of the Covid -19 government suspension of home foreclosure and renter evictions in XX/XX/XXXX. \n\nI again contacted Pennymac and sent Qualified Written Notice of billing And other errors including dispute of foreclosure and said errors. \n\nAfter not receiving a response.. called back and was advised A Priority Complaint Specialist named XXXX XXXX had been assigned to Address my issues and disputes. and was transferred to her. \n\nShe Confirmed receipt of my notice of errors and dispute. we discussed a Few of the details. threw the conversation, she attempted to control the Call, justify their behavior, while presenting the impression that I was the One in the wrong. After I had pointed out a number of flaws and corrected Almost every comment she had made. she asked as she was still Reviewing the account and looking into the details, if I give her some time She will contact me in a few days.\n\nAfter again no response for an extended period, called her back again. \n\nWhen I advised following up as I had not heard from her. she advised that she had sent me an email. \n\nThe manner in which she sent it, did not appear Showing as normal emails appear ( which is why I had not seen it thought I was watching for it ) needed instructions on finding it, in addition to a special Process to open it. \nThe email, being the response to my written notice of error and dispute, Failed to properly provide required statements ( no errors found ), actions required to have been be take ( Investigation ), detailed explanations demonstrating that the accounting was correct, ( violated terms of RESPA ).\n\nDuring the conversation that followed and what the emails content Actually Consisted of was : an explanation of the escrow process, How they are required to do that process That they have the right to getting the monies back from Taxes and insurance they pay for me., During the phone conversation she continually tried : to control the Call, justify her position and actions, made ridiculous Statements that made no sense, one of these statements actually Confirming that they had performed An unnecessary, unwarranted, unrequested, and unscheduled audit of the account that was actually Done by a department manager that caused obvious errors resulting in the overbilling of several thousands of dollars to the account. And more. \n\nAs for my part, after listening to each of her statements, I responded by Presenting her with examples of how her statements were not correct, Did Not actually address the issues that I had reported to her, I would restate the questions or asked for her explanation of some of the Specific details that I had included in my notice .One of which how I Could possibly have any kind of outstanding balance or any missed Payments after making {$20000.00} in payments during the Previous 13 month Period from XX/XX/XXXXXXXX  through The end of XXXX XXXX  to an account that has a total yearly average billing amount of approx {$12000.00}. \nI further asked how I could owe payments from XX/XX/XXXXXXXX  and the Subsequent payments as I had made payments totalling {$4000.00} during That same time through to the end of XXXX XXXX. \n\nAs she had no real response to these questions with the exception of that When she had looked only at the payment amounts I had made totaling Approx {$21000.00} she said she was only seeing between {$14000.00} or {$15000.00} .. in response I sent her a copy of my bank statement that Showed all the payments made to Pennymac and only the payments to Pennymac due to the manner that I have always set my payments through the bill pay services my bank provides and this provides an Activity / payment history for just those payments made to their Company.\n\nIn the end I advised that she will want to look at this again, stop the Foreclosure that was wrong and I was not missing any payments. Make The corrections to the account due to their error and let me know when properly sorted first her response was that she could not stop the Foreclosure and that there is no sale date at this time I pointed out She could stop it and discuss this with her supervisor. have him do it Then. She again said she would get back to me. \n\nAfter this we only spoke a couple more occasions and every time Just got worse, she basically refused to make the corrections, said she Could not stop the foreclosure adding that there was no sale date, etc. \n\nAt this point I tried to find legal representation however after being Unsuccessful, I was forced to file the suit myself. \n\nThe case number XXXX. THE FEDERAL DISTRICT COURT OF NEVADA. \n\nDuring this process, per one of the Nevada Revised Statutes ( NRS ) Regarding legal actions where that statue XXXX Unfair Practices ; injury to person of property. is involved in the complaint A copy of the complaint needs to be filed with the Nevada Attorney Generals Offices : Fraud Department.. Copy was filed with that office FRAUD, ABUSE AND MISMANAGEMENT OF A HUD FUNDED PROGRAM, CONTINUED ATTEMPTS TO PROFIT, COLLECT ON OVERBILLING AND TERMS PROVIDING ASSISTANCE TO PENNYMAC TO FORECLOSE. \n\nHave recently been finding additional methods of recourse and options To defend against Pennymacs actions destroying any quality of Life in my future.\n\nI came across the programs being provided by The Department of Housing and Urban Development ( HUD ) that assist struggling homeowners with FHA mortgages, avoid foreclosure and provide Relief and aid in recovery of homeowners that they can again build for their future.\n\nAdditionally that mortgage servicers are required to find alternatives And to specifically provide these homeowners with these programs to Avoid foreclosure and keep their homes. Which in my case Pennymac Has again failed to do what they are required to do. \n\nI Contacted Pennymac and formally requested to participate in these Programs. Also provided the details of the events And there actions that caused this situation.The loss mitigation department agent advised me that they would review the mortgage account and the escrow account and advise me of the result.\n\nI requested an email or some method to Send them all the details regarding the errors they had committed, providing them with proper accounting that would aid in this process. \nAs I was advised that the review of the escrow account details would Be one of the first things that would be done. I sent to the Attention of the escrow department, the first of the account details That they could make the needed corrections, allowing for this to Be completed by the time loss mitigation would receive the remainder Of the details I was sending.\n\nIn response I received a large envelope containing a number of Documents. \n\nThis turned out to be another demonstration of Pennymac abhorrent, atrocious, and despicable behavior and their perpetration of additional acts of wrongdoing that they have committed.\n\nThe first of the documents dated XX/XX/XXXXXXXX  Stating we are happy to offer a Federal Housing Administration ( FHA ) COVID Recovery Modification and Partial Claim No Trial. \n\nShortly thereafter, Informed me that they had decided that they were not able to offer me any of the several other programs, of which I already knew that I did actually qualified for others of these program that would be better suited to me and would truely Help me a great deal more. One of these other program that they should have offered me would have also coincided more with the proper purpose intended By HUD and the reasons they created these programs.to begin with.\n\nTo demonstrate how this offer would have the completely opposite Consequences to those which they were required to provide me with. \nThe following is a listing of the actions Pennymac is going to take in Accordance with terms of this offer that was to provide me with Assistance that they are required to provide This will demonstrate how their offer would cause additional hardships rather than relief them, Would perpetuate my continued suffering of these hardships for another 40 years.\n\nThey would collect on the fraudulent overbilling, falsely attached additional fees and charges And more. \n\nInstead of helping me to avoid foreclosure, they are including Additional terms in loan modification agreement that would actually help them to foreclose. \n\nTheyre going to increase my interest rate from the current 3.625 % To almost double that rate to 6.625 % Theyre going to increase my monthly payment from {$1000.00} to {$1100.00} an increase of {$30.00} when in fact it qualifies to be Lowered. In accordance with the Homeowner Protection Act to Remove the mortgage insurance charges permanently.\n\nTheyre going to add 20 ( twenty ) years of payments to the original Loan that would have been satisfied XX/XX/XXXXXXXX  now however the new loan satisfaction date would be XX/XX/XXXX. ( which considering I am XXXX XXXX XXXX at this time, I will be XXXX XXXX XXXX when this occurs ) At which time I will Be able to begin paying off the amount of the partial claim being attached in the amount of {$40000.00} That amount Includes all the fraudulent overbilling amounts they caused and refused to correct for, along with the other additional False charges they added. \n\nThe reason Pennymac actual added this additional term was to conceal the fact that they doubled the interest rates.\n\nTheyre going to add XXXX XXXX XXXXXXXX XXXX to the loan. A firm that that Pennymac paid out of my account shown on my loan transaction / activity statement activity, that they were paid fees for foreclosure trustee sale guarantee costs fees. Which are included In the above mentioned amounts being included to the Partial Claim amount being added to the loan. For fees related to the Wrongful processing of the non - judicial foreclosure that they Initiated when I had made all my payments and was not truly in default. \n\nTheyre going to add additional terms to the loan providing them the ability of processing non - judicial foreclosure proceedings whenever they should decide to do so. While reducing my abilities To defend against them doing it to me again. Which they were not Allowed to do it in the first place.\n\nTheyre adding another additional term to the loan that makes Mortgage Insurance payments permanent and that they will no Longer be required to remove them as provided for in the Homeowner Protection Act. of which my loan now qualifies for the removal of these charges due to the fact that my loan balance is 80 % or Less than the original property value. As I purchased my home In XXXX and have made 17 years of payment. \n\nAs previously mentioned there are a number of additional wrongful Acts and behavior that Pennymac has committed of which I am Not including at this time, as this has required excessive amounts Time, energy, and expense involved in this whole situation that Should never have occurred and should have been and they could have resolved this a long time ago.\n\nI have followed up with Pennymacs loss mitigation department regarding the loan modification offer I have just provided above. I Have spoken to them and sent these same written details to them Again including the same supporting documentation that I have Attached to this complaint.\n\nThis includes an outline and provides Details of the more appropriate offer that I should have been presented with. That would resolve all issues in this matter By providing a more fair and equitable solution to the one They presented it to me.\n\nI have expressed that I am still requesting their assistance and Desire to participate in the HUD programs or any program, will continue to work with them to get these matters resolved, save my home, And find a resolution to all of this that I may be able to move On With my life and put this whole thing behind me.l I am reaching out to you as I am in great need of your protection from this company.\n\nNeed your assistance to prevent them from taking my home that I have worked so very hard for. \n\nForce them to repair the damage they have caused.\n\nHold them accountable for their despicable behaviour And the atrocious acts they have committed against a good person That has been forced to endure all the malicious mistreatment and The undue suffering of the extreme hardships that Pennymac has purposely inflicted upon someone that is innocent of fault in this matter and undeserving of the treatment Pennymac has imposed.\n\nPlease help me THE FOLLOWING IS A TABLE OF CONTENTS AND DESCRIPTION OF THE ATTACHED DOCUMENTATIONS REFERENCED ABOVE THAT PROVIDES VERIFICATION OF AND IN SUPPORT OF THE DETAILS OF THE STATEMENTS THAT HAVE BEEN PRESENTED IN THIS COMPLAINT. \n\n( XXXX XXXX XXXX ) THE XXXX XXXX TREASURERS YEARLY STATEMENT OF TAX DISTRIBUTION FOR THE FISCAL YEAR OF : XXXX - XXXX THAT SHOWS THE ACTUAL AMOUNTS THAT WAS SENT TO PENNYMAC FOR XXXX XXXX TAX {$1400.00} AND TOTAL ANNUAL CHARGES FROM XXXX XXXX {$1400.00} ( XXXX XXXX XXXX ) PENNYMACS YEARLY ESCROW STATEMENT OF THE AMOUNTS BILLED TO THE ESCROW ACCOUNT FOR XXXX - XXXX XXXX TAX {$1300.00} / XXXX  XXXX {$980.00} / MORTGAGE INS. \n$ XXXX AND A UNACCOUNTED FOR SHORTAGE OF {$760.00} XXXX XXXXXXXX THE PAYMENT AMOUNT FROM {$940.00} TO {$1000.00} ( DOC # 3 ) THE XXXX XXXX XXXX XXXX STATEMENT OF TAX DISTRIBUTION FOR THE FISCAL YEAR OF XXXX - XXXX THAT SHOW THE ACTUAL AMOUNTS THAT WAS SENT TO PENNYMAC FOR XXXX XXXX TAX {$1500.00} AND TOTAL ANNUAL CHARGES FROM XXXX XXXX {$2900.00} ( XXXX XXXX XXXX ) PENNYMACS YEARLY ESCROW STATEMENT DATED XX/XX/XXXXXXXX  OF THE AMOUNTS BILLED TO THE ESCROW ACCOUNT FOR XXXXXXXX XXXX XXXXXXXX XXXX TAX {$1400.00} / MORTGAGE INS. {$1000.00}/ XXXX XXXX. {$1100.00} PAYMENT AMOUNT FROM {$1000.00} TO {$990.00} ( XXXX  # XXXX ) PENNYMACS YEARLY ESCROW STATEMENT DATED XXXX XXXX XXXX OF THE AMOUNTS BILLED TO THE ESCROW ACCOUNT FOR XXXX - XXXX XXXX TAX {$7000.00} / MORTGAGE INS. {$1000.00}/ XXXX XXXX. {$1100.00} PAYMENT AMOUNT FROM {$1000.00} TO {$1500.00} ( XXXX  # XXXX ) THE XXXX XXXX TREASURERS YEARLY STATEMENT OF TAX DISTRIBUTION FOR THE FISCAL YEAR OF XXXX - XXXX THAT SHOW THE ACTUAL AMOUNTS THAT WAS SENT TO PENNYMAC FOR XXXX XXXX TAX {$1600.00} AND TOTAL ANNUAL CHARGES FROM XXXX XXXX {$2500.00} ( XXXX  # XXXX ) PENNYMACS YEARLY ESCROW STATEMENT DATED XXXX XXXX XXXX  OF THE AMOUNTS BILLED TO THE ESCROW ACCOUNT FOR XXXX XXXX TAX {$5300.00} / MORTGAGE INS {$970.00} / HAZARD INS {$1200.00} PAYMENT AMOUNT FROM {$1500.00} TO {$1300.00} ( XXXX # XXXX ) THE XXXX XXXX XXXX XXXX STATEMENT OF TAX DISTRIBUTION FOR THE FISCAL YEAR OF XXXX - XXXX THAT SHOW THE ACTUAL AMOUNTS THAT WAS SENT TO PENNYMAC FOR XXXX XXXX TAX {$1700.00} AND TOTAL ANNUAL CHARGES FROM XXXX XXXX {$2000.00} ( XXXX  # XXXX ) PENNYMACS YEARLY ESCROW STATEMENT DATED XXXX XXXX OF THE AMOUNTS BILLED TO THE ESCROW ACCOUNT FOR XXXX XXXX TAX {$1700.00} / MORTGAGE INS {$970.00} / HAZARD INS {$1200.00} PAYMENT AMOUNT FROM {$1500.00} TO {$1000.00} ( XXXX XXXX ) LIST OF THE TRUE MISSED PAYMENTS FOR XXXX, XXXX AND TO DATE FOR XXXX USING THE PROPER VALUES. \nTHE AMOUNTS OF {$1000.00} FOR XXXX ARE FROM PENNYMACS ESCROW STATEMENT THE AMOUNT OF {$1000.00} XXXX CALCULATED USING PROPER VALUES. THIS ALSO SHOWS THE MAXIMUM TOTAL AMOUNTS OF THE PROPER AMOUNT THAT SHOULD BE POSTED FOR THE PARTIAL CLAIM AMOUNT OF EITHER {$29000.00} OR {>= $1,000,000} INSTEAD OF THE {$40000.00} WHICH IS THE AMOUNT IN PENNYMACS OFFER INTENDS TO PROVIDE FOR THE PARTIAL CLAIM AMOUNT WHICH INCLUDES THE OVERBILLED, AND ADDED FALSE CHARGES THAT ARE NOT OWED ( XXXX XXXX ) XXXX XXXX  STATEMENT SHOWING ALL PAYMENTS MADE TO PENNYMAC FROM XX/XX/XXXX - XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX  STATEMENT SHOWING ALL PAYMENTS MADE TO PENNYMAC FROM XXXX XXXX XXXX - XX/XX/XXXX ( XXXX XXXX ) REPRESENTS THE PROPER BILLING AND PAYMENT ACCOUNT ACTIVITY INCLUDING THE PROPER ACCOUNT BALANCES CALCULATED USING THE CORRECT VALUES FROM XX/XX/XXXX TO XX/XX/XXXX COLUMN LABELED DATE = DATES OF BILLING CYCLE COLUMN LABELED XXXX XXXX = CORRECT PAYMENT AMOUNT FOR THAT BILLING CYCLE COLUMN LABELED XXXX XXXX  = DATES PAYMENTS WERE MADE COLUMN LABELED XXXX AMOUNT = PAYMENT AMOUNT MADE COLUMN LABELED BAL = THE CORRECT ACCOUNT BALANCES FOR THAT BILLING CYCLE ( XXXX XXXX ) AND ( XXXX XXXX ) SHOWS THAT ACCOUNT HAD CURED AND PROVIDED FOR ALL TRUE PAYMENT AMOUNTS FROM XX/XX/XXXX THREW TO AND INCLUDING XX/XX/XXXX. ACCOUNT WAS PAID ( XXXX XXXX ) REPRESENTS THE PROPER BILLING AND PAYMENT ACCOUNT ACTIVITY INCLUDING THE PROPER ACCOUNT BALANCES CALCULATED USING THE CORRECT VALUES FROM XX/XX/XXXX TO XX/XX/XXXX COLUMN LABELED DATE = DATES OF BILLING CYCLE COLUMN LABELED XXXX XXXX = CORRECT PAYMENT AMOUNT FOR THAT BILLING CYCLE COLUMN LABELED XXXX XXXX  = DATES PAYMENTS WERE MADE COLUMN LABELED XXXX AMOUNT = PAYMENT AMOUNT MADE COLUMN LABELED BAL = THE CORRECT ACCOUNT BALANCES FOR THAT BILLING CYCLE ( XXXX XXXX ) THROUGH ( XXXX XXXX ) ARE THE XXXX ESCROW STATEMENTS OF THE ACTUAL ESCROW ACCOUNT ACTIVITY INCLUDING THE ACTUAL BEGINNING AND ENDING BALANCES FROM XX/XX/XXXX THREW TO XX/XX/XXXX. THEY PROVIDE DOCUMENTATION OF MISSING FUNDS THAT ARE NOT UNACCOUNTED FOR ANYWHERE AND VANISHED FROM THE ENDING BALANCE AND BEGINNING BALANCE FOR THE CORRESPONDING STATEMENTS","date_sent_to_company":"2025-05-22T16:49:52.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"89120","tags":null,"has_narrative":true,"complaint_id":"13117819","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2025-04-22T21:06:08.000Z","state":"NV","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":["Escrow statement account <em>balances</em> ending <em>balance</em> from one billing cycle to beginning <em>Balance</em> of the next cycle <em>missing</em> amounts with no corresponding disbursement Ending <em>balance</em> for XX/XX/XXXX. XXXX = + {$1300.00} Beginning <em>balance</em> for XX/XX/XXXX."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[12.121733,"13117819"]},{"_index":"complaint-public-v1","_id":"2907705","_score":12.100035,"_source":{"product":"Mortgage","complaint_what_happened":"What I am requesting : 1 ) I want Wells Fargo Home Mortgage to set up an appointment to personally meet with one of their supervisors or attorney at the Customer Care and Recovery Group to go over my loan modification, robo signers from notaries, employess of trustee, attorneys, trustees, affidavits ( missing or defective ), false declarations, false recorded documents, wrongful foreclosure, inaccurate accounting history and over charges of my account. I can help them see how they violated the law. If any citizen of this country did what WELLS FARGO BANK, NA and their vendors have done, we would be spending years in prison. \n\n2 ) I want a payoff statement breakdown. I have requested for months a detail breakdown of who got paid and how much? what is the interest rate paid, late fees, BPOs, mortgage insurance, property taxes, and attorney fees and if there are other fees to specify the exact fee and what was paid. I really want to know how much it was paid to THE SERVICER, TRUSTEE, THE INVESTOR. \n\n3 ) My house was wrongfully foreclosed and I was wrongfully denied a loan modification and I want my house back. I am only using what WELLS FARGO BANK HOME MORTGAGE AND THEIR TRUSTEES HAVE SENT ME and what the law says The financial crisis and 10 years laters ... there is still no stop to fraud! \n\nIn XX/XX/XXXX, I became late on my payments. In XX/XX/XXXX Wells Fargo Home Mortgage recorded a notice of Default approximately 25,000 dollars. I offered the servicer XXXX dollars to prevent further default and requested to have the rest of the money to be added to the principal or create a re-payment plan. The servicer customer representative told me not to pay the money that help was coming for homeowners like myself who had the pick a payment from XXXX XXXX and XXXX that there was some special arrangement for those type of loans. \n\nLittle did I now that I was being pushed to further default and eventually to foreclosure. From XXXX, it was the non ending loan modification loan process. The application expired, the servicer did not receive a document, my copies were not clear ect. On XXXX XXXX, XXXX, XXXX, Trustee recorded a notice of rescission of notice of default, which cancelled the XXXX notice of default. On XXXX, a new foreclosure process started again with robo signers, no interview from the servicer, but yet they recorded a declaration of compliance on XX/XX/XXXX and it was signed on XX/XX/XXXX. The thirty 30 had not passed as it was now required by the new laws and California homeowner bill of rights. \n\nThe XXXX pick a payment and the Assurance Agreement for the pick a payment were settled and a new Hamp Tier 1 an Tier 2 program was now introduced, but I was now denied for a loan modification based on NPV, a complex formula designed by the government and based on this formula I was denied for a loan modification. On paper they never said, you have equity on your property this is the reason we will never will give you a loan modification or any type of work out option. What I was told was sell your home you have equity in your house. There is not only document that has been recorded that does not show consistent fraud to the court, the documents pretend to be in compliance when they are not in compliance with the law or deed of trust. \n\nThe over charges on fees and the lack of accuracy in the accounting is amazing hidden fees in the lump sum of interest rates and mortgage statements. The mortgage statements never show the principal loan balance. There is no way to calculate a monthly mortgage payment without knowing what loan balance the servicer is using. Over charges in escrow fees still, mortgage insurance, home inspections, late fees, BPOs as high as XXXX dollars, miscellaneous fees and others. The undisclosed fees that you do not know what is paying, but you must pay because they are charging it to you. \n\nMy house was wrongfully foreclosed on XX/XX/XXXX. The substitution of trustee was recorded on XX/XX/XXXX and 6 days later the Notice of trustee sale was recorded XX/XX/XXXX The sale date was schedule for XX/XX/XXXX. I had a XXXX on XX/XX/XXXX and I was in the hospital for over 2 weeks. The foreclosure law, deed of trust and my legal due process were ignored by Wells FARGO HOME MORTGAGE. \n\nThe trustee substituted itself as attorney in fact and recorded false documents as accurate documents. There is no recorded notice of default, they did not cause a notice of default and both the trustee and Wells Fargo Home Mortgage Executive office were made aware that there was no recorded notice of default. The wrongful foreclosure continue until the house was sold. The Trustee Deed Upon Sale recitals are not in compliance with the non-judicial laws and deed of trust. this document fraud. The foreclosure was irregular and the tile was not perfected. There was not reason for me to have been in default for these long when I was able to afford my payment and I was willing to offer them partial payments to accept the balance to be added to the loan amount or have a balloon payment at the end of the term of the original loan. \n\nNo matter how much I tried to work with WELLS FARGO HOME MORTGAGE EXECUTIVE OFFICE, I found nobody who had integrity and were able to see the dishonesty, deceptive and fraud that was going on with my loan only because I had equity on my property. I lost my house due to my equity, WELLS FARGO target home owners who had equity and kept them in default until they were able to take their homes. XXXX XXXX target minorities who had equity in their homes and put them in the highest negative amortization principal cap rate of 125 % while most other banks use the max 110 % principal cap rate.\n\nMy loan file has been reviewed so many times and the interesting thing is that the executive office of WELLS FARGO HOME MORTGAGE the highest level of customer complaints has never found any wrongdoing and has not corrected any of their wrongdoing. I lost my only asset I had, my family purchase this home in the XXXX 's with many sacrifices working 6 days per week and I lost my house to a bank that is lawless all because I had equity. I lost my health, my low property taxes and we lost safe place to live. This is a home that just it was passed to me, I wanted one of my children to have it. \n\nThe bank continues claiming no wrongdoing and as long as they are claiming no wrongdoing ; their documents correspondence points to illegal violations, I will continue fighting for my house. I have sent them several documents showing what the law says regarding the laws they have violated. I also sent them a request of items that I would like to have since now I am a defendant to the surplus funds of the wrongful foreclosure of my house. The trustee wants to be released of any liability by the defendants. The trustee did not provide notification of the foreclosure to the defendants and foreclosed illegally and wants to be released from any liability??? There seems not be any justice. \n\nI am enclosing the documents that wells Fargo claims there is no wrongdoing and there is no violations found by the executive office. I have written on the recorded documents, which are public information for your review of the violations found that can not be denied by WELLS FARGO. As long as WELLS FARGO BANK, NA EXECUTIVES ARE NOT MADE accountable for the many crimes against their customers the millions and billions in fines is just like a license to continue growing their fraudulent enterprise.","date_sent_to_company":"2018-05-16T05:36:52.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"93436","tags":null,"has_narrative":true,"complaint_id":"2907705","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2018-05-16T00:13:04.000Z","state":"CA","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":["The over charges on fees and the lack of accuracy in the accounting is amazing hidden fees in the lump sum of interest rates and <em>mortgage</em> statements. The <em>mortgage</em> statements never show the principal loan <em>balance</em>. There is no way to <em>calculate</em> a monthly <em>mortgage</em> payment without knowing what loan <em>balance</em> the servicer is using. Over charges in escrow fees still, <em>mortgage</em> insurance, home inspections, late fees, BPOs as high as XXXX dollars, miscellaneous fees and others."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[12.100035,"2907705"]},{"_index":"complaint-public-v1","_id":"12376598","_score":12.032539,"_source":{"product":"Mortgage","complaint_what_happened":"-- - FORMAL COMPLAINT AGAINST SECURENET LOAN SERVICES, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX Texas Department XXXX XXXX XXXX XXXX XXXX Attn : Commissioner XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX -- - Subject : Urgent Complaint Against SecureNet Loan Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Being Reported : SecureNet Loan Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : ( XXXX ) XXXX Email : [ XXXX ] Website XXXX XXXX XXXX XXXXsecurenetloanservices.com/ Primary Contact at SecureNet Loan Services : XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) XXXX Email : [ Insert XXXX 's Email Here ] Loan Information : Account Holder : XXXX XXXXXXXX XXXX  Loan Number XXXX XXXX Property Address : XXXX XXXX XXXX, XXXX, TX XXXX Mortgage Type : [ Insert specific mortgage type, e.g., conventional, FHA, VA ] -- - TO WHOM IT MAY CONCERN, I am filing this formal complaint against SecureNet Loan Services, LLC for their mismanagement of my mortgage account, failure to handle escrow payments properly, unexplained fees, and continued deceptive practices. \n\nI have been dealing with unjustified charges, missing payments, escrow mismanagement, and SecureNets complete lack of transparency for years. Every attempt I have made to resolve these issues directly with SecureNetprimarily through XXXX XXXX been met with delays, misinformation, and outright avoidance. \n\nTheir actions have placed me at risk of foreclosure and property tax delinquency, despite my compliance with all mortgage obligations. \n\n\n-- - SUMMARY OF ISSUES WITH SECURENET LOAN SERVICES 1. ESCROW MISMANAGEMENT & MISSING PAYMENTS SecureNet has failed to properly manage my escrow account, leading to a delinquent property tax notice from XXXX XXXX despite my payments being made on time. \n\nEscrow Analysis Shows a Surplus ( {$1000.00} ), Yet My Payment Increased Instead of Decreasing. \n\nProperty Tax Delinquency : I received a Notice of Unpaid Property Taxes from XXXX XXXX Appraisal District, dated XXXX XXXX XXXX, stating a balance due of {$1300.00} for XXXX. \nFailure to Pay Taxes from Escrow : SecureNet i s legally responsible for making my property tax payments through escrow, yet I am being charged delinquent fees and penalties for taxes that should have been paid\n.\n\nUnexplained Handling of Escrow Funds : Despite their own escrow analysis confirming a surplus, SecureNet has increased my mortgage payment instead of adjusting it accordingly. \n\n\nXXXX. UNJUSTIFIED LATE FEES & FABRICATED PAST-DUE BALANCES SecureNet has repeatedly charged me late fees and past-due balances that I do not owe. \n\nMy recent mortgage statement claims that I have a past due balance of {$1000.00}, but I have paid all my required amounts on time. \n\nSecureNet has failed to provide an itemized breakdown showing how this past due amount was calculated. \n\nI have requested a full transaction history multiple times and have either been ignored or provided with vague, conflicting responses. \n\n\nXXXX. DELIBERATE AVOIDANCE & FAILURE TO PROVIDE TRANSPARENT ACCOUNTING I have made repeated attempts to contact XXXX XXXX and SecureNets customer service department, yet : They fail to provide clear documentation. \n\nThey refuse to explain why my escrow surplus isnt being applied. \n\nThey continue to add charges without justification.\n\nThey pro\n\nvide conflicting information regarding payments. It is clear that SecureNet is actively avoiding accountability while continuing to take money from m\ne under false pretenses. \n\n\n-- - HOW THIS HAS AFFECTED ME SecureNets ongoing errors, negligence, and deceptive practices have caused : Risk of Foreclosure : Due to their fabricated past-due amounts and mishandling of my escrow. \n\nProperty Tax Delinquency : Because they failed to apply my escrow funds as required. \n\nFinancial Hardship : I have lost thousands of dollars due to their wrongful fees, overcharges, and payment mismanagement. \n\nSevere Stress & Frustration : Trying to get SecureNet to provide basic transparency into my own mortgage account has been an exhausting and infuriating process. \n\n\nI have been fighting this battle for years, and I am done being ignored, misled, and financially exploited. \n\n\n-- - FORMAL REQUEST FOR ACTION I am demanding that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate SecureNet Loan Services and provide regulatory enforcement where necessary. \n\nI Request the Following Actions : XXXX. A full and independent audit of SecureNet Loan Services escrow management and payment processing. \n\n\nXXXX. A complete and itemized breakdown of every payment I have made, how it was applied, and any discrepancies that need correction. \n\n\nXXXX. Immediate correction of all false past-due balances and removal of unjustified late fees. \n\n\nXXXX. Proof of escrow funds being correctly allocated to property taxes. \n\n\nXXXX. Legal and regulatory consequences if SecureNet is found to have mismanaged funds, engaged in predatory practices, or withheld payments. \n\n\n\n\n-- - FINAL WARNING & LEGAL IMPLICATIONS If SecureNet Loan Services does not immediately correct these fraudulent practices, I will escalate this matter further by : Filing a formal complaint with the Texas Attorney Generals Office. \n\nSubmitting a report to the Federal Trade Commission ( FTC ) for deceptive financial practices. \n\nRequesting an investigation from the U.S. Department of Housing and Urban Development ( HUD ). \n\nConsulting with legal professionals regarding a potential lawsuit. \n\n\nSecureNets misconduct has gone unchecked for far too long, and I refuse to continue being financially exploited. I expect a written response within 10 business days outlining what corrective actions will be taken. \n\nIf you require additional information, please contact me at ( XXXX ) XXXX or XXXX. \n\nSincerely, XXXX XXXX XXXX -- - NEXT STEPS : Email the letter to : Texas XXXX : XXXX CFPB : File online at XXXX : XXXX Mail a hard copy via Certified Mail. \nFollow up within 10 business days.","date_sent_to_company":"2025-03-14T18:39:00.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"765XX","tags":null,"has_narrative":true,"complaint_id":"12376598","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SecureNet Loan Services LLC","date_received":"2025-03-08T03:07:29.000Z","state":"TX","company_public_response":null,"sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["Unexplained Handling of Escrow Funds : Despite their own escrow analysis confirming a surplus, SecureNet has increased my <em>mortgage</em> payment instead of adjusting it accordingly. \n\n\nXXXX. UNJUSTIFIED LATE FEES & FABRICATED PAST-DUE <em>BALANCES</em> SecureNet has repeatedly charged me late fees and past-due <em>balances</em> that I do not owe. \n\nMy recent <em>mortgage</em> statement claims that I have a past due <em>balance</em> of {$1000.00}, but I have paid all my required amounts on time."],"product":["<em>Mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[12.032539,"12376598"]},{"_index":"complaint-public-v1","_id":"22372218","_score":11.333619,"_source":{"product":"Mortgage","complaint_what_happened":"NOTE : This is a continuation of active CFPB Complaints # XXXX, # XXXX, and # XXXX. This submission provides critical additional forensic data and evidentiary exhibits to support the administrative record. \n\n======================================================================== FORENSIC AUDIT EXHIBIT : CAPITALIZATION & PAYMENT DISCREPANCY ANALYSIS Regarding Wells Fargo Response Data ( CFPB Portal Case Record ) ======================================================================== XXXX. THE SERVICER 'S WRITTEN ADMISSION OF BASE DELINQUENCY : In formal administrative responses issued by Executive Office Case Specialist XXXX XXXX, Wells Fargo provided the specific itemized figures used to calculate the forced XX/XX/XXXX Loan Modification principal increase : Delinquent Interest : {$5800.00} Delinquent Escrow : {$5500.00} Recoverable Expenses : {$1300.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TOTAL ACCRUED BASE DELINQUENCY : {$12000.00} ( Minus a minimal {$150.00} acknowledged in unapplied funds, yielding the net forced modification balance of {$12000.00} ). \n\nXXXX. THE FORENSIC CONTRADICTION & EVIDENCE OF DOUBLE-DIPPING : FACT : Wells Fargo documented that the entire accrued amount required to bring the loan current following the XXXX XXXX disaster suspension program was {$12000.00}. \nFACT : Bank statements and mortgage ledger records prove the consumer consistently submitted thousands of dollars in active monthly mortgage payments while under the protection of the disaster suspension program. \nCONCLUSION : If the true accumulated delinquency on the account was only {$12000.00}, the substantial cash payments made by the consumer during that exact period should have drastically reduced or entirely wiped out this balance prior to any modification calculations. \n\nXXXX. REVENUE/EQUITY STRIPPING VIOLATION : Instead of applying the consumer 's active cash payments directly to clear the accrued interest and escrow balances as required by XXXX XXXX XXXXXXXX Guidelines , Wells Fargo diverted those funds into an unverified \" unapplied funds '' pool, suppressed the true ledger, and capitalized the full {$12000.00} delinquency balance into the new principal. By withholding the consumer 's cash while simultaneously adding the exact same debt onto the back of the loan, Wells Fargo effectively charged the consumer twice and stripped the property of its rightful equity. \n\n======================================================================== EVIDENTIARY EXHIBIT ROADMAP & ADMINISTRATIVE NOTICE ======================================================================== In support of this master 14-count complaint, the following documentation is incorporated into the record : EXHIBIT A ( Attached ) : Original Executed XXXX XXXX Security Instrument dated XXXX. This document explicitly establishes the true XXXX origination date, conventional Fannie Mae uniform covenants, and the fully executed Condominium Rider. \nEXHIBIT B ( Attached ) : This Forensic Math and Capitalization Discrepancy Analysis text. Exhibit B utilizes Wells Fargo 's own written figures ( {$5800.00} in interest and {$5500.00} in escrow ) to mathematically prove that active cash payments were suppressed, resulting in an artificial delinquency. \nPROOF OF CASH PAYMENTS : Complete sets of supporting bank statements showing ongoing payments made during the disaster suspension program, previously uploaded under active companion files # XXXX and # XXXX. \n\nNOTICE TO INVESTIGATOR REGARDING SYSTEMIC PATTERN : This filing outlines a pattern of ongoing, unresolved systemic violations and data corruption. This submission directly builds upon, but remains distinct from, the unresolved factual records established in my previously closed CFPB complaints. The investigator is requested to review the following historical case files accessible within the Bureau 's database for full administrative context : CFPB XXXX XXXX. XXXX ( Closed ) CFPB XXXX XXXX. XXXX ( Closed ) CFPB XXXX XXXX. XXXX ( Closed ) CFPB XXXX XXXX. XXXX ( Closed ) CFPB XXXX XXXX. XXXX ( Closed ) ======================================================================== DEMANDED FINANCIAL REMEDY & RESOLUTION ======================================================================== The consumer demands a total direct financial resolution and monetary restitution of {$100000.00} to fully compensate for cumulative equity stripping, double-capitalized disaster balances, suppressed cash payments, and extensive administrative harm across five prior closed filings. A full accounting reconciliation of the {$39000.00} in missing disaster-period payments, the removal of the {$5800.00} forced interest, and the removal of the {$5500.00} forced escrow from the capitalized principal balance is required to clear this account. \n\nAs previously stated, a copy of this administrative record will be shared with the following agencies for oversight : Florida Attorney General Florida Office of Financial Regulation FHA / HUD Fannie Mae Florida Department of Agriculture and Consumer Services As previously stated a copy of this will be shared with the following agencies : In addition to the CFPB - Florida Attorney General Florida Office of Financial Regulation FHA/HUD Fannie Mae Florida Department XXXXf Agriculture and Consumer Services","date_sent_to_company":"2026-05-20T02:33:18.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"334XX","tags":"Older American","has_narrative":true,"complaint_id":"22372218","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-05-20T01:08:08.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["A full accounting reconciliation of the {$39000.00} in <em>missing</em> disaster-period payments, the removal of the {$5800.00} forced interest, and the removal of the {$5500.00} forced escrow from the capitalized principal <em>balance</em> is required to clear this account."],"product":["<em>Mortgage</em>"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[11.333619,"22372218"]},{"_index":"complaint-public-v1","_id":"9312676","_score":11.312365,"_source":{"product":"Mortgage","complaint_what_happened":"I got a home mortgage through Wells Fargo on XX/XX/XXXX i moved into my home. I put {$20000.00} down and I paid off {$20000.00} in my student loan debt and Wells Fargo wrote a mortgage for {$45000.00}. \n\nIssue is in XXXX I experienced finacial difficulties and i missed 4 payments at around {$350.00} per payment. Wells fargo caused me a tremendous amount of stress and out of pocket finaces trying to save my. They had a date that they were going to auction it off up at my local court house. Let me remind you i only owe around {$39000.00} around this time as my loan was only for {$45000.00}. The home value was more than {$150000.00} at this time in XXXX as I had it remodeled all of it on the inside and out. I struggled getting a loan modification which i finally got. So i was 4 payments behind in XXXX ar around {$350.00} per payment that is around {$1400.00} give or take. I had my loan paid down to around {$39000.00} give or take. This was all in XXXX got a loan modification and now 6 years later now XX/XX/XXXX it has been almost 9 years since I been paying on my home the original payment amount or higher besides those 4 months and my loan balance is currently around {$46000.00}. In XXXX the loan was only {$45000.00} taken out. I paid every month besides those 4 months i had to take a modification every month the original payment or higher {$350.00} or more for 8 years. Now almost 9 years later i have a higher mortgage balance then i started with in XXXX when taking the loan out. {$39000.00} in XXXX before the modification. Only missed 4 payments atound {$1400.00} paid for 6 more years after the modification and being at {$39000.00} 6 years ago. I know owe more than the original mortgage was 8 years ago. \n\nFurthermore, Wells Fargo wrote a couple of checks to try to cure the damages. I recently got another one in the mail. However all the checks dont add up to not even a quarter to what finacial loss i took and still going through. All tbe stress and not only just with my mortgage i had credit card through them, business checking and saving. I mean the stress alone of missing 4 payments and them just having my hiuse up for auction so fast at my local court house when i had more then a XXXX in equatly in it basically forcing my hand into a loan modification that paying on this loan for 8 years beings the loan higher than the original loan was starting off its crazy. I would like to speak to the mediation XXXX the last letter said they will pay for it at no cost to me but their little checks for XXXX or XXXX does not even touch all the money i handed over to them knowing it went to nothing besides me being higher today 8 years later paying every payment besides 4 the loan being higher than it was starting out. On estimate with stress and finacial lost wells fargo cost me around {$16000.00}. They also say my home is only appraised at around {$150000.00} when it actually was appreasied by a private realtor recently for {$260000.00} since it was all remodeled etc. with how much i out into it before XXXX when i had a finacial set back. \n\nMy question is at what point is my house going to be mine because almost 10 years later paying Wells Fargo every payment but 4 and like i said im higher than the loan started. I should have almost 1/3 of my home paid off by now but i have none of my home paid off infact i owe more than when the loan starter and i only missed around {$1400.00} 4 payments in XXXX. Around {$16000.00} dollars in finacial burdern, stress and all else is what i can prove or calculate however it is probably higher yet Wells Fargo keeps sending me little checks paying the minimum they can. \n\nThis time i would like to speak to their midiation expert and i would like a fair shot at owning my home one day without the stress of knowing i paid every payment beside 4 since XXXX of XXXX and my loan is higher now 8 yesrs later. In the letter of the last checm sent to me Wells Fargo said ibcan request a midiation XXXX if i feel i wasnt made whole. Well i am doing so now. I put a lot of money into my property and always trying and making sure Wells Fargo got their payment no matter what. Every time i login into my wells fargo mortgage account however i am reminded that i once was around {$39000.00} in XXXX after 2 years of paying and im now at around {$46000.00} in XXXX after 8 years of paying. I put everything i got into my home for my family and it seems like it will never be enough. All because Wells Fargo right away three my home up for action at my local court house when i had over a {$100000.00} in equity and there was no other option but to take a modification that i luckly got at a huge cost.","date_sent_to_company":"2024-06-20T07:04:25.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"24151","tags":null,"has_narrative":true,"complaint_id":"9312676","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-06-20T06:53:07.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"An existing modification, forbearance plan, short sale, or other loss mitigation relief"},"highlight":{"complaint_what_happened":["However all the checks dont <em>add</em> up to not even a quarter to what finacial loss i took and still going through. All tbe stress and not only just with my <em>mortgage</em> i had credit card through them, business checking and saving."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[11.312365,"9312676"]},{"_index":"complaint-public-v1","_id":"20991772","_score":11.2237,"_source":{"product":"Debt collection","complaint_what_happened":"Shellpoint says only that HAF funds were applied to XX/XX/XXXX through XX/XX/XXXX payments and outstanding fees with zero breakdown by month, by principal, by interest, or by escrow.\n\nThe Notes own Section 2 ( Application of Payments ) requires funds to be applied in order : ( a ) interest, ( b ) principal, ( c ) escrow. The NOE demands a month-by-month ledger for all 37 months covered, Error No. 1 The Loan History -Compliant The XX/XX/XXXX Loan History Statement has multiple fatal accounting deficiencies : [ Attachment ] Only goes back to XXXX XXXX missing 10+ years of payment history from origination Principal balance frozen at {$85000.00} for every single Shellpoint-era entry it never changes, even though payments should reduce it Ending unapplied balance of NEGATIVE ( {$21000.00} ) a negative unapplied balance is an accounting anomaly that is never explained and may represent misapplied funds Summary page shows Taxes Paid : {$12000.00} but the individual tax disbursement entries add up to approximately {$21000.00} net of refund a discrepancy of {$9200.00} [ Attachment ] Error No. 4 Tax Accounting Is Critically Incomplete Every tax entry in the loan history is missing the tax year, tax type, and jurisdictional authority. This is required under RESPA 12 C.F.R. 1024.17. Specific red flags identified : [ Attachment ] City Tax Bills totaling over {$2000.00} were paid for a property in XXXX XXXX which is NOT within the City of Reading. Township properties do not owe Reading City tax. These may be overpayments billed in error. [ Attachment ] A XXXX tax bill was not paid until XX/XX/XXXX nearly 3 years late. Who absorbed the penalties and interest? That amount must be removed from the Borrowers escrow deficit. [ Attachment ] A {$1000.00} XXXX XXXX refund was issued on XX/XX/XXXX, yet a separate payment of {$2100.00} for what appears to be the same tax was made on XX/XX/XXXX. This suggests a double payment was made and only partially refunded. [ Attachment ] foreclosure was filed with XXXX XXXX prothonotary XX/XX/XXXX, The XXXX school tax bill was paid 11 months late ( due XX/XX/XXXX, paid XX/XX/XXXX ). Late payment penalties are the servicers responsibility, not the Borrowers. And should have been paid from the escrow account that my payments funded from the forward mortgage assistance [ Attachment ] Error No.5 No Annual Escrow Analysis Was Ever Provided RESPA 2609 and 12 C.F.R. 1024.17 ( i ) require the servicer to provide an annual escrow account statement to the Borrower every year. No such statement appears anywhere in the record for any year from XXXX through XXXX. The {$9200.00} negative escrow balance at transfer can not be attributed to the XXXX without proof that escrow was properly collected and accounted for. [ law.cornell +1 ] Error No. 6 Self-Dealing Assignment of Mortgage The XX/XX/XXXX Assignment of Mortgage ( XXXX XXXX XXXX XXXX ) was signed by Newrez LLC ( as Attorney-in-Fact for XXXX XXXX  ) transferring the mortgage to Newrez LLC itself. This is a self-dealing transaction. The NOE demands the underlying Power of Attorney proving Newrez had authority to assign the mortgage to itself, and challenges the unbroken chain of title required to prosecute foreclosure. [ Attachment ] Error 7 Duplicated and Unsubstantiated Foreclosure Fees The loan history shows multiple identical FC Cost entries on the same date three entries of {$410.00} each, four entries of {$70.00} each all listed on XX/XX/XXXX. Combined with attorney fees, sheriff costs, title costs, BPO fees, and property inspection charges, these costs represent thousands of dollars charged to your account without a single invoice provided. Under Pennsylvania Rule of Civil Procedure 1144, these fees must be reasonable and documented. [ Attachment ] Error 8Dual Tracking and Trial Plan Issues The servicer offered a trial modification on XX/XX/XXXX at $ XXXX 65 % higher than the regular {$520.00} payment with no written explanation of how that figure was calculated. The offer was declared null and void ( sheriff sale scheduled on XX/XX/XXXX ), before the first payment was even due on XX/XX/XXXX. \n\nMeanwhile, a foreclosure sale was scheduled for XX/XX/XXXX. Under 12 C.F.R. 1024.41, pursuing foreclosure while loss mitigation options are pending constitutes illegal dual tracking. \n\nXXXX Taxes Not Paid Despite SLS receiving {$7200.00} in HAF funds that included escrow for XX/XX/XXXX through XX/XX/XXXX, Shellpoints own loan history shows the XXXX school year tax ( due XX/XX/XXXX ) was NOT paid until XX/XX/XXXX a full 319 days late. There is no confirmed record in the loan history of any XXXX XXXX tax payment for XXXX at all. [ Attachment ] The XX/XX/XXXX XXXX XXXX The XXXX letter dated XX/XX/XXXX is the clearest evidence of servicer error in the entire record. XXXX admits : [ Attachment ] 1. It made an advance for delinquent taxes meaning it found taxes already past due in XX/XX/XXXX, even AFTER the HAF payments 2. It then learned the taxes had already been paid and reversed the advance 3. It removed the collection of escrow and adjusted the payment [ Attachment ] XX/XX/XXXX, Despite payment of {$7200.00} sls received, intended to be applied monthly payments of {$520.00} escrow took over $ 600 monthly yet XXXX taxes unpaid for 319 days. And foreclosure filed XX/XX/XXXX which was premature and financially satisfied/paid and then the amount that was again claimed by the foreclosure. Making this completely unreasonable, irresponsible, illegal, and unethical claim against me. \n\nShellpoint XXXX XXXX Admits Shellpoints XX/XX/XXXX response was supposedly a no error determination but it actually confesses the core problem without realizing it. [ Attachment ] Shellpoint admits that HAF ( Homeowner Assistance Fund ) payments of {$3600.00} were received in XXXX and XX/XX/XXXX, but applied them toward the inflated escrow-adjusted payment amounts of {$1800.00} and {$1200.00} rather than the contractual payment of {$520.00}. The reason those inflated amounts exist is that XXXX ( XXXX XXXX XXXX ) performed an escrow analysis in XX/XX/XXXX showing a shortage of {$11000.00}, which caused your payment to nearly triple overnight. A second analysis in XX/XX/XXXX reduced it to {$1200.00}. [ Shellpoint 2nd response ] This is the heart of the fraud pattern : an artificial escrow shortage was created, which inflated payment, and then HAF funds meant to keep current instead had funds were consumed by that inflation and could not cover multiple months as intended. \nShellpoint states the following in statement : The last full payment recorded by Shellpoint was XX/XX/XXXXXXXX XXXX","date_sent_to_company":"2026-04-06T22:52:45.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Mortgage debt","zip_code":"19604","tags":null,"has_narrative":true,"complaint_id":"20991772","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2026-04-06T21:28:21.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["The NOE demands a month-by-month ledger for all 37 months covered, Error No. 1 The Loan History -Compliant The XX/XX/XXXX Loan History Statement has multiple fatal accounting deficiencies : [ Attachment ] Only goes back to XXXX XXXX <em>missing</em> 10+ years of payment history from origination Principal <em>balance</em> frozen at {$85000.00} for every single Shellpoint-era entry it never changes, even though payments should reduce it Ending unapplied <em>balance</em> of NEGATIVE ( {$21000.00} ) a negative unapplied <em>balance</em>"],"sub_product":["<em>Mortgage</em> debt"]},"sort":[11.2237,"20991772"]},{"_index":"complaint-public-v1","_id":"20991775","_score":11.218229,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX says only that XXXX funds were applied to XX/XX/XXXX through XX/XX/XXXX payments and outstanding fees with XXXX breakdown by month, by principal, by interest, or by escrow. \nThe Notes own Section 2 ( Application of Payments ) requires funds to be applied in order : ( a ) interest, ( b ) principal, ( c ) escrow. The NOE demands a month-by-month ledger for all XXXX  months covered, Error No. 1 The Loan History -Compliant The XX/XX/XXXX Loan History Statement has multiple fatal accounting deficiencies : [ Attachment ] Only goes back to XXXX XXXX missing XXXX years of payment history from origination Principal balance frozen at {$85000.00} for every single Shellpoint-era entry it never changes, even though payments should reduce it Ending unapplied balance of NEGATIVE ( {$21000.00} ) a negative unapplied balance is an accounting anomaly that is never explained and may represent misapplied funds Summary page shows Taxes Paid : {$12000.00} but the individual tax disbursement entries add up to approximately {$21000.00} net of refund a discrepancy of {$9200.00} [ Attachment ] Error No. 4 Tax Accounting Is Critically Incomplete Every tax entry in the loan history is missing the tax year, tax type, and jurisdictional authority. This is required under RESPA 12 C.F.R. 1024.17. Specific red flags identified : [ Attachment ] City Tax Bills totaling over {$2000.00} were paid for a property in XXXX XXXX which is NOT within the City of XXXX. Township properties do not owe XXXX XXXX tax. These may be overpayments billed in error. [ Attachment ] A XXXX tax bill was not paid until XX/XX/XXXX nearly 3 years late. Who absorbed the penalties and interest? That amount must be removed from the Borrowers escrow deficit. [ Attachment ] A {$1000.00} Town Tax refund was issued on XX/XX/XXXX, yet a separate payment of {$2100.00} for what appears to be the same tax was made on XX/XX/XXXX. This suggests a double payment was made and only partially refunded. [ Attachment ] foreclosure was filed with XXXX county prothonotary XX/XX/XXXX, The XXXX school tax bill was paid XXXX  months late ( due XX/XX/XXXX, paid XX/XX/XXXX ). Late payment penalties are the servicers responsibility, not the Borrowers. And should have been paid from the escrow account that my payments funded from the forward mortgage assistance [ Attachment ] Error No.5 No Annual Escrow Analysis Was Ever Provided RESPA 2609 and 12 C.F.R. 1024.17 ( i ) require the servicer to provide an annual escrow account statement to the Borrower every year. No such statement appears anywhere in the record for any year from XXXX through XXXX. The {$9200.00} negative escrow balance at transfer can not be attributed to the Borrower without proof that escrow was properly collected and accounted for. [ law.cornell +1 ] Error No. 6 Self-Dealing Assignment of Mortgage The XX/XX/XXXX Assignment of Mortgage ( XXXX County Instrument XXXX ) was signed by XXXX XXXX XXXX as Attorney-in-Fact for XXXX XXXX  ) transferring the mortgage to XXXX XXXX itself. This is a self-dealing transaction. The NOE demands the underlying Power of Attorney proving XXXX had authority to assign the mortgage to itself, and challenges the unbroken chain of title required to prosecute foreclosure. [ Attachment ] Error 7 Duplicated and Unsubstantiated Foreclosure Fees The loan history shows multiple identical FC Cost entries on the same date XXXX entries of {$410.00} each, XXXX entries of {$70.00} each all listed on XX/XX/XXXX. Combined with attorney fees, sheriff costs, title costs, BPO fees, and property inspection charges, these costs represent thousands of dollars charged to your account without a single invoice provided. Under XXXX  Rule of Civil Procedure 1144, these fees must be reasonable and documented. [ Attachment ] Error 8Dual Tracking and Trial Plan Issues The servicer offered a trial modification on XX/XX/XXXX at $ XXXX 65 % higher than the regular {$520.00} payment with no written explanation of how that figure was calculated. The offer was declared null and void ( sheriff sale scheduled on XX/XX/XXXX ), before the first payment was even due on XX/XX/XXXX. \n\nMeanwhile, a foreclosure sale was scheduled for XX/XX/XXXX. Under 12 C.F.R. 1024.41, pursuing foreclosure while loss mitigation options are pending constitutes illegal dual tracking. \n\nXXXX Taxes Not Paid Despite SLS receiving {$7200.00} in HAF funds that included escrow for XX/XX/XXXX through XX/XX/XXXX, XXXX own loan history shows the XXXX school year tax ( due XX/XX/XXXX ) was NOT paid until XX/XX/XXXX a full 319 days late. There is no confirmed record in the loan history of any XXXX County tax payment for XXXX at all. [ Attachment ] The XX/XX/XXXX XXXX XXXX The SLS letter dated XX/XX/XXXX is the clearest evidence of servicer error in the entire record. SLS admits : [ Attachment ] 1. It made an advance for delinquent taxes meaning it found taxes already past due in XX/XX/XXXX, even AFTER the HAF payments 2. It then learned the taxes had already been paid and reversed the advance 3. It removed the collection of escrow and adjusted the payment [ Attachment ] XX/XX/XXXX, Despite payment of {$7200.00} sls received, intended to be applied monthly payments of {$520.00} escrow took over $ 600 monthly yet XXXX taxes unpaid for XXXX  days. And foreclosure filed XX/XX/XXXX which was premature and financially satisfied/paid and then the amount that was again claimed by the foreclosure. Making this completely unreasonable, irresponsible, illegal, and unethical claim against me. \n\nXXXX 2nd Response Admits XXXX XX/XX/XXXX response was supposedly a no error determination but it actually confesses the core problem without realizing it. [ Attachment ] Shellpoint admits that HAF ( Homeowner Assistance Fund ) payments of {$3600.00} were received in XXXX and XX/XX/XXXX, but applied them toward the inflated escrow-adjusted payment amounts of {$1800.00} and {$1200.00} rather than the contractual payment of {$520.00}. The reason those inflated amounts exist is that SLS ( Specialized Loan Servicing ) performed an escrow analysis in XX/XX/XXXX showing a shortage of {$11000.00}, which caused your payment to nearly triple overnight. A second analysis in XX/XX/XXXX reduced it to {$1200.00}. [ Shellpoint XXXXnd response ] This is the heart of the fraud pattern : an artificial escrow shortage was created, which inflated payment, and then HAF funds meant to keep current instead had funds were consumed by that inflation and could not cover multiple months as intended. \nXXXX states the following in statement : The last full payment recorded by XXXX was XX/XX/XXXX 2023","date_sent_to_company":"2026-04-06T22:52:48.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Mortgage debt","zip_code":"19604","tags":null,"has_narrative":true,"complaint_id":"20991775","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Selene Holdings LLC","date_received":"2026-04-06T22:52:23.000Z","state":"PA","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["The NOE demands a month-by-month ledger for all XXXX  months covered, Error No. 1 The Loan History -Compliant The XX/XX/XXXX Loan History Statement has multiple fatal accounting deficiencies : [ Attachment ] Only goes back to XXXX XXXX <em>missing</em> XXXX years of payment history from origination Principal <em>balance</em> frozen at {$85000.00} for every single Shellpoint-era entry it never changes, even though payments should reduce it Ending unapplied <em>balance</em> of NEGATIVE ( {$21000.00} ) a negative unapplied <em>balance</em>"],"sub_product":["<em>Mortgage</em> debt"]},"sort":[11.218229,"20991775"]},{"_index":"complaint-public-v1","_id":"8118224","_score":11.117271,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/XXXX, I made my first application for homeowner assistance from Planet Home Lending via their online portal. I submitted all the documentation I could with my application. On XX/XX/XXXX, I received a \" Check-In Trailing '' email from PHL, letting me know that my application and documents had been received and were being reviewed. On XX/XX/XXXX, I received a \" Missing Items '' email, requesting additional documentation from me, which I sent on the same day. They sent the \" We've received your documents '' email on XX/XX/XXXX, and that same day, closed their review, denying my application for assistance, with no explanation. I called to inquire why it was denied, and the person who answered couldn't tell me ; they surmised that my application should be fine & to submit it again, and to \" just make sure you send in all the documentation they ask for ''. \nI then attempted my XX/XX/XXXX payment via telephone 3 times. It never went through, even though the funds were in my account. \nAfter the 3rd attempt was unsuccessful, I no longer had the full payment in my bank account, and asked about partial payments, to which I was told that \" we don't accept those. It has to be the full payment, all at once. '' ( But on the mortgage statement, it states, \" ** Partial Payments : Any partial payments that you make are not applied to your mortgage, but instead are held in a separate \" unapplied '' account. If you pay the balance of the partial payment, the funds will then be applied to your mortgage. \" I submitted my second application for assistance on XX/XX/XXXX ( the home had been active on the market for over 3 months by this time ). I received \" Check-in Trailing '' emails on XX/XX/XXXX and XX/XX/XXXX, missing items email received XX/XX/XXXX ( those items were submitted on XX/XX/XXXX ). There was no correspondence between XX/XX/XXXX and XX/XX/XXXX, when I received the \" new documents received '' and \" package closed '' emails BOTH on XX/XX/XXXX, again, with no explanation as to why my application was denied. ( I had sent in absolutely everything they'd requested through their online portal for both applications, so I don't believe they simply \" missed '' the email. ) I called for clarification again and was again told ( in my first call ) that everything was fine and I just need to submit all the documentation. I HAD already done that at this point. I called again to speak to someone else, and was told that they do NOT, in fact, offer assistance for homeowners who are no longer living in the home. ( XXXX had moved back to Nevada just after XXXX XXXX and I had moved out at this point so the home could be clean & show-ready for selling. ) I attempted a third time to get assistance from my loan servicer. I called XXXX and asked directly what assistance they DO offer for customers in my predicament. They told me I had to call HUD and gave me a phone number. I called that HUD phone number and was told that I have to talk to the VA and they gave me a phone number. I called the VA and they told me that they don't deal with loans directly, that my loan servicer is the one to offer assistance, and that I need to contact them. I called PHL and told them about the spicy journey I'd just been on ( through gritted teeth, if I remember correctly ), and they basically told me I'm XXXX. ( This was the tone and attitude of the agent who'd answered the phone that time. ) I had called a local HUD agency in Great Falls the same day and was told that they offer loans to help homeowners out, but I couldn't pay back the loan I already had, so that wasn't going to help me. \n\nWe finally got an offer we could work with on XX/XX/XXXX. I called PHL to report that we had an offer and were in counter-offer stage and to request a payoff statement so I could calculate our bare minimum sale price so we didn't have to come out of pocket ( we hadn't paid the mortgage in 5 months at this point ; I was making barely enough to cover my daily bills with the children 's needs, so I couldn't come out of pocket anything ). They sent the payoff ( {$510000.00} good thru XX/XX/XXXX ), but the very day AFTER they printed/prepared it to send, they added over {$1000.00} in attorney fees ( I didn't know yet that they had sent our loan to the attorneys for foreclosure proceedings ) and later an exorbitant amount of interest, totaling {$520000.00} ( which is the figure on our closing statement ). ( We were initially set to close on XX/XX/XXXX, per our counter offer. Then the buyer had some issue with THEIR close on their sale, and we ultimately closed on XX/XX/XXXX, all of which had been communicated to PHL, meaning they had every opportunity to go over the updated payoff information with me, and didn't. ) ***The big deal with this is that I had calculated our bare minimum breakeven on the previous figure of {$510000.00}, so there was ABSOLUTELY NO WAY we were going to break even at any point in time. Nobody from PHL so much as attempted a courtesy call to me to let me know these numbers had been updated, and I only figured that out when I saw them on the closing statement. The ladies at Flying S Title didn't request a payoff until just a few days prior to our ( pushed out, but still scheduled ) closing. When I called in a panic to ask why the figures had changed SO DRASTICALLY, I was put on hold for a total of nearly 20 minutes so the person on the phone could go ask someone who might have any idea what PHL is doing what to say. She came back with a line about PHL charging interest in arrears, which I know is nonsense, because I paid additional interest when I purchased this home so I wouldn't be in interest arrears when the mortgage payments began, as is the way mortgage loans work. \nll in all, the emotional turmoil I endured for a year ( the sheer frustration at speaking with ANYONE on the phone at PHL, the countless hours crying at work trying to make sense or figure it out, watching my credit score fall below the acceptable threshold, etc ), financial strain, confusion, anger, frustration, and feeling completely and helplessly LOST in dealing with these people, led to my lowered credit score, more stress than anyone should have to deal with, and I was denied housing when I relocated to Colorado late last year. I ultimately had to take a smaller & more expensive apartment for me and my daughter, because PHL put remarks on my credit report that a foreclosure had begun in XX/XX/XXXX, after the home sale had already closed ( when I NEVER received ANY documentation with any such verbiage. When I called their attorney 's office, they chuckled and said, no, there's no set date, we haven't started working on your account yet ). I called to ask them about THAT and they said that they filed the foreclosure in XXXX. I've had credit long enough to know that it doesn't take 90+ days for a negative remark/action to be reported on my credit. XXXX couldn't tell me when it was reported.","date_sent_to_company":"2024-01-07T01:13:11.000Z","issue":"Struggling to pay mortgage","sub_product":"VA mortgage","zip_code":"80011","tags":null,"has_narrative":true,"complaint_id":"8118224","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PLANET HOME LENDING, LLC","date_received":"2024-01-07T01:06:13.000Z","state":"CO","company_public_response":null,"sub_issue":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu"},"highlight":{"complaint_what_happened":["It has to be the full payment, all at once. '' ( But on the <em>mortgage</em> statement, it states, \" ** Partial Payments : Any partial payments that you make are not applied to your <em>mortgage</em>, but instead are held in a separate \" unapplied '' account. If you pay the <em>balance</em> of the partial payment, the funds will then be applied to your <em>mortgage</em>. \" I submitted my second application for assistance on XX/XX/XXXX ( the home had been active on the market for over 3 months by this time )."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["VA <em>mortgage</em>"]},"sort":[11.117271,"8118224"]},{"_index":"complaint-public-v1","_id":"19583190","_score":10.375199,"_source":{"product":"Mortgage","complaint_what_happened":"CRITICAL ADDITIONAL EVIDENCE : SYSTEMATIC PAYMENT THEFT THROUGH \" UNAPPLIED FUNDS '' WELLS FARGO HAS BEEN HOLDING MY PAYMENTS IN \" UNAPPLIED '' STATUS SINCE XXXX I have documentary evidence ( which I am uploading ) showing Wells Fargo has systematically held my payments in \" UNAPPLIED FUNDS '' status instead of applying them to my loan principal and interest. \nWHAT \" UNAPPLIED FUNDS '' MEANS : When I make a payment, Wells Fargo receives the money but does NOT apply it to : Principal balance Interest charges Escrow account Instead, they hold it in a suspense account called \" unapplied funds '' where it generates NO benefit to me but allows Wells Fargo to : Continue charging me interest on the full balance Claim I'm delinquent or short-paying Eventually steal the money through fees and charges Report me as late to credit bureaus THIS HAS BEEN HAPPENING SINCE XXXX - OVER 20 YEARS I have been making payments faithfully since XXXX. My payments total approximately {$280000.00} over XXXX years. \nWells Fargo claims I still owe {$100000.00}. \nWHERE DID MY {$280000.00} GO? \nWells Fargo 's own documents show large amounts in \" UNAPPLIED FUNDS '' that were NEVER properly applied to my account. \nWELLS FARGO 'S XX/XX/XXXX RESPONSE ADMITS THIS FRAUD In their response to CFPB ( which they sent me ), Wells Fargo admits : \" You expressed concerns about funds for the XX/XX/XXXX, through XX/XX/XXXX payment were held in an unapplied account. We have provided a breakdown of how those funds were applied to the account. '' Then they show : XX/XX/XXXX : Received {$640.00} placed into unapplied funds XX/XX/XXXX : Received {$640.00} placed into unapplied funds XX/XX/XXXX : Applied {$1100.00} from unapplied to XXXX payment XX/XX/XXXX : Received {$640.00} placed into unapplied funds XX/XX/XXXX : Received {$640.00} placed into unapplied funds XX/XX/XXXX : Applied {$1100.00} from unapplied to XXXX payment XX/XX/XXXX : Received {$640.00} placed into unapplied funds XX/XX/XXXX : Received {$640.00} placed into unapplied funds XX/XX/XXXX : Applied {$1100.00} from unapplied to XXXX payment XX/XX/XXXX : Received {$640.00} placed into unapplied funds XX/XX/XXXX : Received {$640.00} placed into unapplied funds XX/XX/XXXX : Applied {$1100.00} from unapplied to XXXX payment XX/XX/XXXX : Received {$640.00} placed into unapplied funds XX/XX/XXXX : Received {$640.00} placed into unapplied funds XX/XX/XXXX : Applied {$1100.00} from unapplied to XXXX payment THIS IS PAYMENT MANIPULATION FRAUD Questions Wells Fargo refuses to answer : WHY were my payments held in unapplied instead of being applied immediately? \nWhere did the \" remaining {$100.00} from unapplied funds to principal balance '' go each month? \nHow much total money is STILL sitting in unapplied funds? \nHas this been happening for ALL XXXX years, not just XXXX XXXX? \nHow much interest have I been charged on money that was sitting in unapplied instead of reducing my principal? \n\nWELLS FARGO 'S \" EXPLANATION '' PROVES THE FRAUD Wells Fargo claims the unapplied funds manipulation was legitimate. But their own explanation shows : They received my payments They held them in suspense They applied them LATER Meanwhile, they continued charging me interest on the FULL balance I was being charged interest on money I HAD ALREADY PAID This is theft through payment manipulation. \nI HAVE COPIES OF UNAPPLIED FUNDS STATEMENTS I am uploading documentary evidence showing \" UNAPPLIED FUNDS '' on my account statements going back years. \nThis proves : Wells Fargo received my payments Wells Fargo refused to apply them properly Wells Fargo held them in suspense to generate extra interest charges Wells Fargo has been doing this systematically for XXXX years WHY WELLS FARGO DOES THIS By holding payments in \" unapplied funds, '' Wells Fargo : Continues charging interest on the full balance ( even though I paid ) Can claim borrower is \" delinquent '' or \" short-paying '' Can impose late fees and other charges Can report negative information to credit bureaus Eventually steals the money through various fees Extends the loan term by delaying principal reduction THIS IS SYSTEMATIC THEFT AFFECTING MILLIONS OF BORROWERS Wells Fargo has a history of systematic consumer fraud ( fake accounts scandal, etc. ). The \" unapplied funds '' scheme is another systematic fraud : Affects millions of mortgage borrowers Generates billions in extra interest charges Allows Wells Fargo to steal payments while claiming \" compliance '' Is designed to be confusing so borrowers don't understand they're being robbed ADDITIONAL DAMAGES FROM PAYMENT MANIPULATION Beyond the {$590000.00} in direct damages I calculated, the \" unapplied funds '' manipulation adds : Interest charges on money already paid : $ XXXX ( estimated ) Extended loan term from delayed principal application : Additional years added to mortgage Late fees and charges from unapplied payments : $ XXXX ( estimated ) Credit damage from false delinquency reporting : Incalculable Total additional damages from payment manipulation : {$55000.00} - $ XXXX CFPB MUST INVESTIGATE THIS SYSTEMATICALLY I am not the only Wells Fargo mortgage customer with \" unapplied funds '' on my account. This is a SYSTEMATIC SCHEME affecting potentially millions of borrowers. \nCFPB should : Investigate Wells Fargo 's \" unapplied funds '' practices across ALL mortgages Determine how many borrowers have been affected Calculate total amount stolen through this scheme Order restitution to ALL affected borrowers Impose maximum penalties Refer for criminal prosecution WELLS FARGO 'S RESPONSE DID NOT ADDRESS THIS Wells Fargo 's XX/XX/XXXX response shows the XXXX XXXX unapplied funds manipulation but provides NO explanation for : Why payments were held in unapplied in the first place Whether this happened in other time periods ( IT DID- I have proof ) How much total money is in unapplied funds Why I was charged interest on money already paid Why they're STILL doing this I DEMAND : Complete accounting of ALL unapplied funds from XXXX Explanation of why EVERY payment was or was not applied immediately Calculation of excess interest charged due to payment manipulation Return of all unapplied funds PLUS interest Investigation of systematic unapplied funds scheme Criminal referral for payment theft THIS IS WHY I STILL OWE {$100000.00} AFTER PAYING {$280000.00} The \" unapplied funds '' scheme explains where my money went : I paid {$280000.00} Wells Fargo held it in `` unapplied '' Charged me interest on the full balance as if I hadn't paid Eventually applied some of it ( months or years late ) Stole the rest through fees and manipulation Result : After XXXX years of payments, I own almost nothing WELLS FARGO CAN NOT HAVE IT BOTH WAYS Either : They applied my payments properly then I should owe ~ {$48000.00} and own 60 % of my home OR they held payments in unapplied then they committed systematic theft Their own documents prove the second option. \nWELLS FARGO REFUSING TO COMPLY WITH CFPB INVESTIGATION - WITHHOLDING CRITICAL EVIDENCE RE : Original Complaint XXXX I am filing this complaint because Wells Fargo is NOT complying with CFPB 's investigation, is withholding critical evidence, and is attempting to close the investigation through submission of false and incomplete responses. \nWELLS FARGO 'S NON-COMPLIANCE WITH CFPB REGULATIONS Under CFPB regulations, when a consumer files a complaint, the company must : Provide a complete and truthful response Address ALL issues raised by the consumer Provide ALL requested documentation Not provide false or misleading information Wells Fargo has violated ALL of these requirements. \nVIOLATION # XXXX : INCOMPLETE RESPONSE - CRITICAL DOCUMENTS WITHHELD In my original complaint ( XXXX ), I specifically requested : Complete chain of title documentation Explanation of MERS deactivation ( XX/XX/XXXX ) Explanation of XXXX XXXX  cancellation ( XX/XX/XXXX ) All cancelled checks showing payments between loans Complete payment history showing application of funds XX/XX/XXXX XXXX Settlement Statement Documentation explaining how my {$120000.00} purchase became a {$140000.00} loan WHAT WELLS FARGO PROVIDED : Wells Fargo sent approximately XXXX XXXX of documents on XX/XX/XXXX. However, they deliberately EXCLUDED the most critical documents : MISSING : Explanation of XXXX  purge ( XX/XX/XXXX ) - They provided XXXX explanation for why XXXX  XXXX shows loan was \" purged '' and marked \" Inactive - all other data has been purged '' MISSING : Explanation of XXXX  cancellation ( XX/XX/XXXX ) - They provided XXXX explanation for why XXXX XXXX XXXX stamped the mortgage \" CANCELLED BY NOTE on XX/XX/XXXX '' MISSING : Cancelled checks - They provided NO copies of checks showing payments between loans or to the XXXX  MISSING : Complete chain of title - They did not provide recorded assignments showing valid transfer of the mortgage MISSING : Explanation of loan inflation - They did not explain how my {$120000.00} purchase price ( documented in public records ) became a {$140000.00} loan in 7 months This is deliberate withholding of evidence. Wells Fargo is hiding the documents that would prove the fraud I reported. \nVIOLATION # XXXX : FALSE STATEMENTS TO CFPB Wells Fargo 's XX/XX/XXXX response to CFPB contains demonstrably false statements : FALSE CLAIM # XXXX : \" Loan has been serviced in compliance with federal & VA servicing requirements '' TRUTH : Their own documents show : XXXX  purged the loan XX/XX/XXXX XXXX cancelled the mortgage XX/XX/XXXX Wells Fargo continued collecting for 15 YEARS after cancellation This is NOT \" compliance '' - this is THEFT FALSE CLAIM # XXXX : \" We found no evidence of improper conduct, predatory terms, or regulatory violations '' TRUTH : Their own XX/XX/XXXX XXXX ( which they buried in the XXXX pages ) shows : I purchased property for {$120000.00} ( public record ) Loan amount : {$140000.00} Inflation : {$27000.00} ( 22.9 % ) This IS predatory lending and loan inflation fraud FALSE CLAIM # XXXX : \" Service transfers and loan number changes are administrative and do not affect loan ownership or borrower obligations '' TRUTH : XXXX  purge is NOT administrative- it means loan was deactivated Parish cancellation is NOT administrative- it means mortgage was terminated Wells Fargo deliberately mischaracterized these critical events Wells Fargo is lying to CFPB to cover up fraud. This violates CFPB regulations and constitutes obstruction of the investigation. \nVIOLATION # XXXX : ATTEMPTING TO CLOSE INVESTIGATION WITH INSUFFICIENT RESPONSE Wells Fargo 's strategy is clear : Send XXXX pages of filler documents to create appearance of cooperation Withhold the XXXX  XXXX evidence Make false statements denying fraud Hope CFPB closes the investigation based on incomplete response This is not good faith compliance with CFPB investigation. This is deliberate obstruction. \nVIOLATION # XXXX : REFUSAL TO ADDRESS CONSUMER 'S SPECIFIC ALLEGATIONS My original complaint raised these specific issues : Issue # XXXX : Loan inflation - {$120000.00} purchase became {$140000.00} loan Wells Fargo 's response : IGNORED - provided no explanation Issue # XXXX : MERS purge and Parish cancellation in XXXX Wells Fargo 's response : IGNORED - claimed these were \" administrative '' Issue # XXXX : Continued collection after loan cancellation Wells Fargo 's response : DENIED - falsely claimed \" compliance with servicing requirements '' Issue # XXXX : Loan churning - fraudulent \" refinances '' in XXXX and XXXX Wells Fargo 's response : MISREPRESENTED - claimed I \" voluntarily authorized '' when I was deceived Issue # XXXX : Request for compensation and debt discharge Wells Fargo 's response : REFUSED - stated \" we respectfully decline your request for compensation '' Wells Fargo did not address my allegations. They deflected, denied, and lied. \nVIOLATION # XXXX : RETALIATION THROUGH CREDIT REPORTING During the CFPB investigation, Wells Fargo reported LATE PAYMENT on my credit report even though I am in forbearance until XX/XX/XXXX. \nReporting late payments during forbearance violates : Fair Credit Reporting Act ( 15 USC 1681 ) CFPB regulations Their own forbearance agreement This is retaliation for filing the CFPB complaint. \nVIOLATION # XXXX : VA LOAN REQUIREMENTS VIOLATIONS This is a VA loan, which has additional protections and requirements : VA loans are NON-ASSUMABLE without VA approval Wells Fargo transferred servicing to XXXX XXXX without VA authorization Wells Fargo violated VA servicing standards Defrauding a veteran carries additional penalties THE SMOKING XXXX WELLS FARGO IS TRYING TO HIDE While reviewing the XXXX pages Wells Fargo sent, I found the document they hoped I wouldn't notice : XX/XX/XXXX XXXX XXXX XXXX Loan Number : XXXX Lender : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$140000.00} My purchase price ( public record ) : {$120000.00} Inflation : {$27000.00} This single document PROVES the predatory lending fraud I reported. Wells Fargo buried it in XXXX pages, provided no explanation for it, and hoped CFPB would close the case without examining it. \nWHY WELLS FARGO IS WITHHOLDING EVIDENCE The documents Wells Fargo refuses to provide would prove : XXXX  purge records would show the loan was deactivated/cancelled in XX/XX/XXXX Parish cancellation documents would show the mortgage was terminated in XX/XX/XXXX Cancelled checks would show Wells Fargo paid off the loan in XXXX Chain of title would show Wells Fargo never had valid ownership Complete payment history would show systematic misapplication of my payments Wells Fargo can not provide these documents without admitting fraud. So they withhold them and hope CFPB accepts their incomplete response. \nWELLS FARGO 'S PATTERN OF CFPB NON-COMPLIANCE This is not an isolated incident. Wells Fargo has a documented history of : Fake accounts scandal ( deceiving regulators ) Mortgage servicing abuse ( ignoring CFPB orders ) Consumer complaint manipulation ( providing false responses ) Wells Fargo does not cooperate with CFPB in good faith. They obstruct, deceive, and withhold evidence. \nWHAT I'M REQUESTING FROM CFPB REJECT Wells Fargo 's incomplete response as non-compliant ORDER Wells Fargo to provide ALL requested documents within 10 days : Complete MERS transaction history and purge explanation XXXX mortgage cancellation documents and explanation All cancelled checks Complete chain of title with recorded assignments Explanation for {$27000.00} loan inflation Complete payment history showing fund application INVESTIGATE Wells Fargo 's false statements to CFPB Refer false statements for perjury investigation Investigate obstruction of CFPB investigation SANCTION Wells Fargo for non-compliance Impose civil penalties for incomplete response Impose penalties for withholding evidence Impose penalties for false statements to CFPB KEEP INVESTIGATION OPEN until Wells Fargo provides COMPLETE response INVESTIGATE retaliation ( credit reporting during forbearance ) CONSOLIDATE with original complaint XXXX REFER to VA XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX WELLS FARGO THINKS THEY CAN OVERWHELM CFPB Wells Fargo XXXX strategy : Send XXXX pages of irrelevant documents Withhold the XXXX  XXXX  Make false denials Hope CFPB doesn't have time to investigate thoroughly Hope case gets closed as \" company responded '' I am requesting CFPB not let Wells Fargo get away with this. \nWells Fargo is NOT complying with the investigation. They are withholding critical evidence. They are lying to CFPB. They are obstructing justice. \nCONCLUSION Wells Fargo 's XX/XX/XXXX response is incomplete, false, and non-compliant with CFPB regulations. They are deliberately withholding evidence that would prove the fraud I reported. \nI request CFPB : Reject their insufficient response Order production of ALL requested documents Sanction them for non-compliance Investigate their false statements Keep investigation open Consolidate with complaint XXXX Refer to VA OIG Wells Fargo is trying to close the investigation through deception and document withholding.CONCLUSION ON UNAPPLIED FUNDS The \" unapplied funds '' evidence proves Wells Fargo has been systematically stealing my payments for XXXX years through payment manipulation, accounting fraud, and interest charge inflation. \nCombined with : XXXX inflation fraud ( {$27000.00} ) Post-cancellation collection ( {$210000.00} ) XXXX churning ( {$13000.00} ) Payment theft through unapplied funds ( $ XXXX ) Total fraud exceeds $ XXXX in direct damages. \nI am uploading documentary evidence of unapplied funds. \nXXXX XXXX XXXX XX/XX/XXXX XXXX","date_sent_to_company":"2026-02-20T21:15:27.000Z","issue":"Struggling to pay mortgage","sub_product":"VA mortgage","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"19583190","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-02-18T09:28:58.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","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":["The \" unapplied funds '' scheme is another systematic fraud : Affects millions of <em>mortgage</em> borrowers Generates billions in extra interest charges Allows Wells Fargo to steal payments while claiming \" compliance '' Is designed to be confusing so borrowers don't understand they're being robbed ADDITIONAL DAMAGES FROM PAYMENT MANIPULATION Beyond the {$590000.00} in direct damages I <em>calculated</em>, the \" unapplied funds '' manipulation <em>adds</em> : Interest charges on money already paid : $ XXXX ( estimated )"],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["VA <em>mortgage</em>"]},"sort":[10.375199,"19583190"]},{"_index":"complaint-public-v1","_id":"2946103","_score":10.32525,"_source":{"product":"Mortgage","complaint_what_happened":"In XX/XX/XXXX my brother and I purchased an investment home with our parents. My parents owned 45 %, I owned 45 % and my brother owned 10 %. In XX/XX/XXXX, our father passed away. We continued to make the payments even though it was a hardship due to the loss of our father 's income. In XX/XX/XXXX, our mother passed away and it became an extreme hardship for my brother and I. As of XX/XX/XXXX, we had made payments in excess of {$750000.00}. We understand that most of that was interest because of how the loan is amortized. We went to Ocwen Loan Servicing and told them we wanted to do everything we could to keep our family investment as it was the right thing to do and we had so much already invested. We were told to file for a loan modification. We filled out all the paperwork right away and it took over a year for them to receive everything they needed. They kept telling us they didn't receive documents even though we sent the documents certified mail. They would tell us one page was missing which was not the case because we scanned everything into one PDF and also emailed the files so if they received one page they received all the pages. The house at the time of loan modification application was appraised by a realtor ( comp basis ) of {$720000.00} but our balance was ~ {$840000.00}. They would not accept payments during the application process but they added late fees and penalties every month. Now they tell us we owe over {$960000.00} after paying for 10 years on an original note of {$990000.00} we only get credit for {$25000.00}. We purchased the house for {>= $1,000,000} so we had a $ {$330000.00} home equity line of credit on my parents primary residence which we had to sell at the time of my mother 's passing in order to pay off this debt. My brother and I now owe this to our remaining XXXX siblings in order to buy them out of my parents share. The original monthly mortgage amount that was paid for 10 years was {$6200.00} without escrow. We paid our property taxes and insurance on our own. We made all these payments on time until both of our parents passed away. After 14 months from the date of application for the loan modification Ocwen Loan Servicing gave us a trial 3 month payment plan. We asked for the terms and they refused to give them to us. They said you make these payments and then we will calculate your final modification. We made the 3 payments of {$6300.00} and then received the final modification to sign. They reduced the interest rate from 6.5 % to 4.125 % and left the maturity date the same. They started the loan over so we lost the benefit of having already paid the first 10 years of an amortized loan which is when the most interest is paid. They also added a balloon payment in the amount of {$430000.00} at the end of the 18.5 years. We were not aware of the balloon payment until after we made all our trial payments. I had to argue with them because the first payment for the trial payment was applied to the previous balance and not to the trial plan payments. We had over 50 calls during this process and it was never clear about what they were doing to help us. We told them that we would do anything they needed for us to keep our home but we could not keep paying at these rates. They told us we had 5 options : 1 ) Foreclosure, 2 ) Short sale ( they would accept under {$700000.00} ), 3 ) Accept the loan modification with the balloon payment, 4 ) Make payments at 6.5 % and over the next 11 months the payments would be over {$18000.00} per month to catch the loan up and then it would be caught up and we would pay {$7000.00} per month for the remaining 18.5 years, 5 ) Pay the remaining balance in one installment. We explained to them that we are applying for the loan modification because we are in distress. We feel that they have been deceiving all along. We paid the full flood and hazard insurance out of pocket yet they added those amounts into the past amounts owed because they thought they paid them. We sent them proof from our insurance company and showed cancelled checks and they still kept those payments on our debt. It is unbelievable how bad they have treated us. We have done everything we can to keep our home and will continue to do so. Right now they said they will not accept payments from us until we sign the loan modification agreement but it will be like starting over when we have already paid over {>= $1,000,000} which includes what we owe on the other equity loan. We are good people that have always worked hard and did the right thing. All we are trying to do is to keep our family investment that we made almost 12 years ago with our parents that are now both deceased. We are asking for help to require Ocwen Loan Servicing to treat us fairly so we can keep our home. We are upside down on this house. We have told them we are willing to continue to pay for the next 18.5 years but we need the terms to change. We were requesting the principal balance be reduced to what they said they would accept on a short sale which is ~ {$680000.00}, the interest rate to be reduced to 3 % which they alluded to when we applied, and allow the loan to be on year 12 of the amortization schedule so the high interest payments don't start over. They told us if they short sale it then they would accept less than {$700000.00} ( they mentioned {$680000.00} ). All we are asking is that we get the same opportunity that a new person could come in and just get without any previous investment since we have so much invested already and have the desire to pay the loan. \nPlease help us keep our family home. \nThank you for being here to help. We appreciate any assistance you can provide. \n\nIn Gratitude, XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2018-06-26T13:09:56.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"45036","tags":"Servicemember","has_narrative":true,"complaint_id":"2946103","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2018-06-26T11:42:41.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They would tell us one page was <em>missing</em> which was not the case because we scanned everything into one PDF and also emailed the files so if they received one page they received all the pages. The house at the time of loan modification application was appraised by a realtor ( comp basis ) of {$720000.00} but our <em>balance</em> was ~ {$840000.00}. They would not accept payments during the application process but they <em>added</em> late fees and penalties every month."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[10.32525,"2946103"]},{"_index":"complaint-public-v1","_id":"5722467","_score":9.332655,"_source":{"product":"Mortgage","complaint_what_happened":"I built my home and finance it by myself, in XXXX. I was the sole owner. Against my will, I was coerced ( by XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX XXXX  XXXX into refinancing my home in XXXX of XXXX and adding my Now ex-husband to my loan ( I married him in XXXX of XXXX kicked him out in XXXX, and finalized our divorce in XXXX ). At closing, I paid an additional {$3100.00} to buy my rate down to 0.75 %. My monthly payment should have consisted of 0.75 % ~Margin plus the 30 day Libor rate. They tried to get me to pay even more money to reduce my margin to 0.25 % but I did not have that much extra. As it was, I paid more money to buy my rate down than I wanted to pay. My home loan is known as a Home Ownership Accelerator Loan and the payments change monthly based on the interest rate ( Margin ) plus the 30 day Libor. I am now discovering that the reason XXXX wanted my ( now ex-husband ) on my home loan is so they could increase my balance as high as possible so they could get a higher commission. I told them I did not want my balance to be that high, but they insisted it would be better in the long run. Since my very first mortgage payment in XXXX, the interest calculated on my account has been inaccurate. My loan was immediately sold to GMAC Mortgage. I contacted XXXX on XX/XX/XXXX and inquired as to when my new lower payments would be taking effect since I bought my rate down and he told me something about pressure on the international markets or something like that. On XX/XX/XXXX, XXXX emailed me and told me my rate fell half a point. I was extremely excited because I though my payments would be significantly lower. However, this was not the case. My payments were still not where I was told they were going to be during the presentation by XXXX XXXX. In XXXX of XXXX, I asked XXXX when I would be receiving a statement from my mortgage company regarding the \" Points '' I paid to buy my rate down. He said it should come in the mail from either GMAC Mortgage or XXXX. I wrote him back on XX/XX/XXXX and told him I found my \" points '' on my closing statement. NOW, looking back at my year end tax statement from GMAC mortgage in XXXX, they did NOT include the points. At the time, I didn't really pay understand because I did NOT have any idea how that worked. I kicked XXXX out of my home in XXXX because he was abusive to my two young children, but did not file for divorce until XXXX because he refused to accept the fact that we were done. I do not have any children with XXXX. In my divorce decree, the judge awarded me sole ownership of my home. I have been the sole owner and monthly mortgage payer since I had my home built in XXXX. Although I contacted GMAC Mortgage on several occasions to try and find out why my payments were wrong, and why my payments weren't being applied properly, I was never able to get it resolved because nobody was able to figure out how my home loan was supposed to work. It was EXTREMELY frustrating. My monthly balance never seemed to change even though I had paid a significant amount towards the principal. Anything above my interest was to be paid to the principal. I have verification of every single payment I made on this account and it can be supplied if the need arrises. I have paid at least {$150000.00} TOTAL on my home and yet I am somehow facing foreclosure. GMAC Mortgage ( XXXX XXXX XXXX XXXX, AZ XXXX ) declared bankruptcy in XXXX and liquidated their assets in XXXX. I continued making my payments to GMAC even though a company named OCWEN Loan Servicing Center ( XXXX XXXX XXXX XXXX, IA XXXX ) had taken over my home loan from XX/XX/XXXX to XX/XX/XXXX. My Bill Pay from my bank continued to send my payments to GMAC. I was not aware that GMAC was not my servicer anymore until I began researching my home loan timeline for this foreclosure. That is when I saw emails from OCWEN. What I have found in my research is that OCWEN was found guilty of fraud and numerous other allegations of wrongdoing. From the documents I am able to locate, I paid GMAC and OCWEN a total of {$100000.00}. ( this does not include payments to XXXX  and XXXX. These payments were both tied to the same account number. These are the payments I can locate by searching my different payment methods. It could be more than this. During this entire time, I contacted GMAC hundreds of times to try and get my account straightened out. It was so stressful. They just kept giving excuse after excuse and kept saying they would look into it ; but that never happened. And then they were gone! XXXX took over my loan in XXXX of XXXX. It was a nightmare right from the start. My account number changed. Their online system was horrible. Nothing about my home loan looked correct. The payments, the balance, and the odd charges they kept charging my account were not applicable. Their system wouldn't accept payments from me that were less than what they claimed I owed. Prior to that I could make a payment every hour if I wanted. The amount of interest they were charging me was WAY too high. Calling them and trying to get a supervisor was impossible. Nobody knew what type of home loan I had, nor did they understand how to credit any of my payments. I tried telling them my balance was wrong, my interest was wrong and they needed to accept my payments regardless of the amount I tried to pay. They refused to help me. Even charging me a fee to take payments over the phone when their system wouldn't accept my payments. They are horrific and shouldn't even be in business. Then in XXXX of XXXX, XXXX suddenly doubled my monthly payment without any explanation. Even though my payments were not accurate to begin with, the Libor rate hadn't changed much so my payment shouldn't have doubled. Once again I tried calling to get help but everyone I spoke with was useless. NOBODY knew how to help me. They kept telling me that a supervisor would call me back, but that call never came. It was an endless cycle of lies and deceit. In XXXX my interest only period ended and my payment increased by {$700.00} per month. I was able to keep up on these payments until XXXX of XXXX. I was still trying to get my mortgage balance/payments straightened out and because these payments weren't accurate, my mortgage fell behind. I was owed money from a company who emailed me and said they were going out of business and couldn't pay me. That was a complete blindside. I have several different companies, but that was a huge part of my projected income. So in addition to my payments being higher than they were were supposed to be, I now had to rebuild my companies. Come to find out XXXX was issued a Cease and Desist order for unsafe and unsound practices from the XXXX in XX/XX/XXXX. Then the pandemic hit and I started receiving mortgage statements from a company named XXXX Bank. They held off foreclosures during the pandemic. I spoke with a gentleman in XXXX of XXXX and asked for forbearance. He kept trying to tell me that the loan wasn't mine. I don't know if he was ever convinced that this loan belongs to me but he tried his hardest to tell me that it did not belong to me. He also said that I could only have forbearance for 6 months. That brings me full circle to this moment in time. I am trying to work with XXXX  to have them straighten this out. I also have a housing counselor ( XXXX XXXX ) at Idaho Housing and Finance Association. She can attest to all of the incompetence we are experiencing. We asked for a loss mitigation packet on XX/XX/XXXX. My original sell date was set for XX/XX/XXXX. I did not receive that packet until XX/XX/XXXX. In the interim, I found a previous loss mitigation packet from XXXX ( which I sent to XXXX  but the post office was not able to deliver because they said nobody was at their address in New Jersey ). I emailed XXXX an 8 page hardship letter, along with numerous financial documents etc ... on XX/XX/XXXX. The email I was given to send these documents was XXXX. I received an error from this email \" XXXX '' stating that the documents were too large ( even though they were under XXXX ). The error message was from XXXX. This was a RED FLAG. Then on XX/XX/XXXX my housing counselor compressed/faxed/emailed all of these documents ( hardship letter which also asked for payment verification along with calculation of interest rate for my loan from XXXX to present, loss mitigation application, divorce decree, XXXX, XXXX, Owner policy Schedule A, and DT. On XX/XX/XXXX, I received an email from the loss mitigation department at XXXX telling me the options in lieu of the foreclosure. They also asked me to enroll in their online portal. I started the enrollment process then noticed that the terms and conditions belong to XXXX XXXXXXXX. I also noticed that the terms and conditions included a section that wanted me to give my permission to Back in the XXXX XXXX to use, reproduce, adapt, publish, translate, and distribute my user content in any existing or future media, text, images, audio material documents that I submit to the website for whatever purpose they desire. Another RED FLAG. XXXX called on XX/XX/XXXX and spoke with agent XXXX. She had to put XXXX on hold and finally WAS able to locate the documents sent on XX/XX/XXXX. The agent looked over the paperwork and made some suggestions. I complied with her suggestions and XXXX sent ALL the documents once again on XX/XX/XXXX. On XX/XX/XXXX, XXXX called to verify that the documents had been received. The agent told her that there was not an open case yet ; but that the foreclosure/sale date had been pushed out until XX/XX/XXXX. I had not received any notice regarding this so it was a surprise. We still do not know why the date was pushed out. On XX/XX/XXXX we did a three way call which consisted of me, XXXX and XXXX XXXX from XXXX. She informed us that NONE of the documents we had sent were in their system. She said we would have to send everything again. I was so upset. I kept asking her questions and she couldn't answer one single question. I asked to speak with a supervisor and she said this was not possible but that a supervisor would call me back within 24 to 48 hours. I waited all day XX/XX/XXXX and XX/XX/XXXX and no call ever came. I have screenshots of all my calls during this time and they did NOT call me. A supervisor, to this day ( XX/XX/XXXX, ) has never called me back. XXXX sent all of my documents again on XX/XX/XXXX. I received a letter in the mail from XXXX on XX/XX/XXXX dated XX/XX/XXXX, that states they are still missing several documents. This company has now lost all of my documents that were ( rejected XX/XX/XXXX ) sent again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The missing documents have been sent. On XX/XX/XXXX my phone rang at XXXX. I answered the call and it was XXXX. The person on the line was XXXX XXXX agent number XXXX. This was NOT a supervisor. Just a collection agent who couldn't help me. She tried telling me that she couldn't talk to me unless I verified which two accounts my prior payments had been sent from. I couldn't understand why she would need to know that. She said because it's a HELOC, she has to verify more than just my name, address, social security number, etc .... I told her my loan is NOT a HELOC and that it's a home ownership accelerator. She said she had never heard of that. I proceeded to tell her that the reason for my delinquency was mainly because of fraudulent payment ommissions and miscalculations of payments. She said that I had to contact GMAC and OCWEN because XXXX didn't take over my loan until XXXX. She said that OCWEN would be impossible to reach so \" good luck ''. I informed her that since they now own my loan, they will have access to all of the information attached to my loan since its inception. I told her I wrote and asked for verification of my payments and calculation of my payments when I sent my hardship letter in on several different occasions. She said she didn't see those documents in her system. I told her they had FIVE Days to acknowledge receipt of my request ( this has not happened ). She said that documents get lost all of the time and I would just have to continue sending them. ( THIS IS RECORDED ON HER END SO YOU CAN VERIFY ALL OF THIS ). I was absolutely floored when she told me that they lose documents all the time. I believe they are trying to prevent me from getting my loan modified by losing my paperwork and telling me requirements that aren't true. That's unethical and not acceptable. XXXX XXXX did tell me that she would put in a request for verification of my payments made and calculation of my payments. In addition to the fraud, I also told her that my delinquency was due to financial hardship. I told her that we had sent in ALL of the documents that had been asked for and she said she would email the loss mitigation department to find out why they are still saying I have missing documents. XXXX called XXXX again in the afternoon of XX/XX/XXXX. She wanted to follow up with them regarding my conversation with XXXX XXXX. She was informed that the request for verification had been sent but they also told XXXX they have received the missing documents ( XX/XX/XXXX ) ; but will not accept my documents because I have redacted a portion of my bank statements and my taxes are expired. According to the letter I received from them, they only need to see my deposits. That is what I provided. They also said to provide my most current filed tax return ( which it's XXXX ). I filed my tax returns on XX/XX/XXXX. They want me to provide the extension I filed for this year. I have done XXXX for XXXX  years and I know for a FACT that I do NOT have to file an extension unless I owe taxes. And even then, I have until XX/XX/XXXX of XXXX to file my tax return regardless of if I filed an extension or not. IF I owed taxes, I technically don't have to file an extension but I would be penalized higher for not filing an extension ; BUT if I don't owe taxes, I am not legally obligated to file an extension. HOWEVER ; their letter states that either tax returns OR bank statements are necessary. I DO NOT TRUST them. I DO NOT want them having my bank account information. I sent them my bank statements with my deposits listed but my debits and my account number redacted. I also sent them my XXXX, XXXX, XXXX statements. They do NOT need to see my debits, they only need to see my deposits. That is what their letter asks for. They are also trying to say I have to include my ex-husband on my modification application since his name is still tied to my home loan. He has not lived her since XXXX. My divorce decree from XXXX states that the judge grants me as sole owner of my home. My ex is obsessed with me and since he was abusive, I have had ZERO contact with him since I kicked him out in XXXX. He only lived here from XXXX to XXXX. I know that XXXX  can modify my loan without him. I have been the sole person who has made 100 % of the payments since day number one. In fact, once my payments are credited properly, I shouldn't have much of a balance left at all. In addition to everything that has happened. My mail carrier forged my name on some Certified Letters from the attorney handling this foreclosure. I filed a complaint with the postmaster in my home town. Both the carrier and the postmaster have tried to cover up this fraud. I have a witness that wrote a sworn statement regarding the carrier never exiting their vehicle on the day in question. The postmaster said their GPS tracking system shows the carrier never exited their vehicle AND ... ..NOBODY was home when the mail carrier forged my name and left the certified letters in my mailbox. I did not want these letters and I had never gone to the post office to pick them up in the past when the notice was left in my mailbox. I'm sure that a letter carrier forging my name comes with some pretty serious implications. I'm pretty certain this is a federal offense. Now the attorney who sent those letters \" THINKS '' I have received them and read them. I still have not opened them. I will also be filing a complaint with the postmaster General. I asked my local postmaster what the update was today. He said he would find time last week to speak with the carrier after I sent him the sworn statement from a neighbor. He has yet to reply. Me trying to get this straightened out is not due to lack of trying, it is due to incompetency and lack of follow up from GMAC, OCWEN, XXXX  and XXXX. I am a female, XXXX XXXX XXXX and I raised my children all by myself without any help at all. I have been XXXX since XXXX. I work hard XXXX. I have never depended on a man ( or anyone else ) to help me financially. I have experienced GREAT success but also financial hardships. I refuse to lose my home because my interest rate and my payments were never calculated or applied correctly. I am so tired of this corruption and incompetency. I have PROOF of every thing I have said in this statement. I can back everything up. I do not have much time because my foreclosure has been rescheduled to XX/XX/XXXX. It was previously scheduled for XX/XX/XXXX, then XX/XX/XXXX. It keeps getting pushed out. Yesterday ( XX/XX/XXXX ) I received a notice from CFPB.. That notice was from XXXX  who acquired OCWEN. In their statement, they claim they have no record of my mortgage. They want me to provide them with information regarding my mortgage. I am not going to make their job easy. They sent me emails, and also reported my mortgage to the credit bureau so they should absolutely have record of it. The fact that they can't find record of it is very concerning. This just goes to show that they must not have record of all the payments I made to them. I spoke with my housing counselor today. She informed me that she spoke with XXXX  yesterday ( XX/XX/XXXX ) and was told that they closed my loss mitigation application but could not provide a reason why. My counselor was told that I have to begin the process all over again. They told me to call on Friday and ask why it's closed. This level of incompetency is unacceptable. They need to be investigated for fraud and be shut down for incompetency. XXXX XXXX","date_sent_to_company":"2022-06-29T19:29:34.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"83634","tags":null,"has_narrative":true,"complaint_id":"5722467","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2022-06-29T19:26:05.000Z","state":"ID","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am now discovering that the reason XXXX wanted my ( now ex-husband ) on my home loan is so they could increase my <em>balance</em> as high as possible so they could get a higher commission. I told them I did not want my <em>balance</em> to be that high, but they insisted it would be better in the long run. Since my very first <em>mortgage</em> payment in XXXX, the interest <em>calculated</em> on my account has been inaccurate. My loan was immediately sold to GMAC <em>Mortgage</em>."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Other type of <em>mortgage</em>"]},"sort":[9.332655,"5722467"]},{"_index":"complaint-public-v1","_id":"2920725","_score":9.290465,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX XXXX and its subsidiaries never ever respond to clients. They intentionally failing borrowers at every stage of the mortgage servicing process. The modification was designed to help people and Ocwen tried to defraud people by increasing the monthly payments by 1700 % This is a criminal organization that must be closed. Ocwens years of widespread errors, shortcuts, and runarounds cost some borrowers money and others their homes. Ocwen allegedly botched basic functions like sending accurate monthly statements, properly crediting payments, and handling taxes and insurance. Allegedly, Ocwen also illegally foreclosed on a top-secret close door against XX/XX/XXXX foreclosure act and after it they find the proper moment to go in the house illegal and criminal and loot the entire property in case you complain too much. on struggling borrowers, ignored customer complaints, and sold off the servicing rights to loans without fully disclosing the mistakes it made in borrowers records. The NY. PA, Florida Attorney General took a similar action against Ocwen today in a separate lawsuit. Many state financial regulators are also independently issuing cease-and-desist and license revocation orders against Ocwen for escrow management and licensing issues today. \n\n\" Ocwen has repeatedly made mistakes and taken shortcuts at every stage of the mortgage servicing process, costing some consumers money and others their homes, '' said CFPB Director XXXX XXXX. \" Borrowers have no say over who services their mortgage, so the Bureau will remain vigilant to ensure they get fair treatment. '' Ocwen, headquartered in XXXX XXXX XXXX, Fla., is one of the nations largest nonbank mortgage servicers. As of XXXX XXXX, XXXX, Ocwen serviced almost XXXX XXXX loans with an aggregate unpaid principal balance of {$200.00} XXXX. It services loans for borrowers in all 50 states and the District of Columbia. A mortgage servicer collects payments from the mortgage borrower and forwards those payments to the owner of the loan. It handles customer service, collections, loan modifications, and foreclosures. Ocwen specializes in servicing subprime or delinquent loans. \n\n////////////////////////////////////////////////////////////////////////////////////////////////////////////// CFPB, State Authorities Order Ocwen to Provide {$2.00} XXXX in Relief to Homeowners for Servicing Wrongs XX/XX/XXXX Share this Share on XXXX Share on Twitter Share on XXXX Share on email Largest Nonbank Servicer Will Also Refund {$120.00} XXXX to Foreclosure Victims and Adhere to Significant New Homeowner Protections WASHINGTON, XXXX Today, the Consumer Financial Protection Bureau ( CFPB ), authorities in 49 states, and the District of Columbia filed a proposed court order requiring the countrys largest nonbank mortgage loan servicer, XXXX XXXX XXXX, and its subsidiary, Ocwen Loan Servicing, to provide {$2.00} XXXX in principal reduction to underwater borrowers. The consent order addresses Ocwens systemic misconduct at every stage of the mortgage servicing process. Ocwen must also refund {$120.00} XXXX to the nearly 185,000 borrowers who have already been foreclosed upon and it must adhere to significant new homeowner protections. \nDeceptions and shortcuts in mortgage servicing will not be tolerated, said CFPB Director XXXX XXXX. Ocwen took advantage of borrowers at every stage of the process. Todays action sends a clear message that we will be vigilant about making sure that consumers are treated with the respect, dignity, and fairness they deserve. \nThe proposed Ocwen Consent Order is available at : http : //files.consumerfinance.govXXXX Ocwen, a publicly traded Florida corporation headquartered in XXXX, Ga., is the largest nonbank mortgage servicer and the fourth-largest servicer overall in the United States. As a mortgage servicer, it is responsible for collecting payments from the mortgage borrower and forwarding those payments to the owner of the loan. It handles customer service, collections, loan modifications, and foreclosures. \nOcwen specializes in servicing subprime or delinquent loans and places a major emphasis on resolving delinquency through loss mitigation or foreclosure. In recent years, it has acquired competitors including XXXX XXXX XXXX XXXX ( formerly American Home Mortgage Servicing Inc. ) and XXXX XXXX XXXX XXXX. It has also acquired the mortgage servicing rights from the portfolios of some of the countrys largest banks. \nThe CFPB is charged with enforcing the Dodd-Frank Wall Street Reform and Consumer Protection Act which protects consumers from unfair, deceptive, or abusive acts or practices by mortgage servicers whether they are a bank or nonbank. State financial regulators, state attorneys general, and the CFPB uncovered substantial evidence that Ocwen violated state laws and the Dodd-Frank Act. \nIn early XXXX, examinations by the XXXX XXXX XXXX, which is comprised of state financial regulators, identified potential violations at Ocwen. In addition, the Federal Trade Commission referred its investigation of Ocwen to the CFPB after the Bureau opened in XX/XX/XXXX. The Bureau then teamed with state attorneys general and state regulators to investigate and resolve the issues identified. Todays settlement is a multi-jurisdictional collaborative effort. \nBorrowers Pushed into Foreclosure by Servicing Errors The CFPB and its partner states believe that Ocwen was engaged in significant and systemic misconduct that occurred at every stage of the mortgage servicing process. According to the complaint filed in the federal district court in the District of Columbia, Ocwens violations of consumer financial protections put thousands of people across the country at risk of losing their homes. Specifically, the complaint says that Ocwen : Took advantage of homeowners with servicing shortcuts and unauthorized fees : Customers relied on Ocwen to, among other things, treat them fairly, give them accurate information, and appropriately charge for services. According to the complaint, Ocwen violated the law in a number of ways, including : o Failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; o Charging borrowers unauthorized fees for default-related services ; o Imposing force-placed insurance on consumers when Ocwen knew or should have known that they already had adequate home-insurance coverage ; and o Providing false or misleading information in response to consumer complaints. \nDeceived consumers about foreclosure alternatives and improperly denied loan modifications : Struggling homeowners generally turn to mortgage servicers, the link to the owners of the loans, as their only means of developing a plan for payment. Ocwen failed to effectively assist, and in fact impeded, struggling homeowners trying to save their homes. This included : o Failing to provide accurate information about loan modifications and other loss mitigation services ; o Failing to properly process borrowers applications and calculate their eligibility for loan modifications ; o Providing false or misleading reasons for denying loan modifications ; o Failing to honor previously agreed upon trial modifications with prior servicers ; and o Deceptively seeking to collect payments under the mortgages original unmodified terms after the consumer had already begun a loan modification with the prior servicer. \nEngaged in illegal foreclosure practices : One of the most important jobs of a mortgage servicer is managing the foreclosure process. But Ocwen mishandled foreclosures and provided consumers with false information. Specifically, Ocwen is accused of : o Providing false or misleading information to consumers about the status of foreclosure proceedings where the borrower was in good faith actively pursuing a loss mitigation alternative also offered by Ocwen ; and o Robo-signing foreclosure documents, including preparing, executing, notarizing, and filing affidavits in foreclosure proceedings with courts and government agencies without verifying the information.\n\nRemedies : Consumer Protections Todays proposed court order will bar Ocwen from committing such violations in the future. It requires Ocwen to provide {$120.00} XXXX in refunds to foreclosed-upon consumers and {$2.00} XXXX in loan modification relief to its customers through principal reduction. The refunds and relief also apply to consumers whose loans were previously serviced by XXXX XXXX XXXX and XXXX XXXX XXXX. According to the proposed order, Ocwen must : Provide {$2.00} XXXX in relief to underwater borrowers : Over a three-year period, Ocwen must complete sustainable loan modifications that result in principal reductions totaling {$2.00} XXXX. For loan modification options, eligible borrowers may be contacted directly by Ocwen. Or borrowers may contact Ocwen to obtain more information about specific loan modification programs and to find out whether they may be impacted by this settlement. Ocwen can be reached at XXXX or XXXX. If Ocwen fails to meet this commitment, it must pay a cash penalty in the amount of any shortfall to the CFPB and the states. \nProvide {$120.00} XXXX in refunds to foreclosure victims : Ocwen must refund {$120.00} XXXX to consumers whose loans were being serviced by Ocwen, XXXX XXXX XXXX, or Litton Loan Servicing, and who lost their homes to foreclosure between XX/XX/XXXX and XX/XX/XXXX. All eligible consumers who submit valid claims will receive an equal share of the {$120.00}  XXXX. Borrowers who receive payments will not have to release any claims and will be free to seek additional relief in the courts. Ocwen will also pay {$2.00} XXXX to administer the refund process. Eligible consumers can expect to hear from the settlement administrator about potential payments. \nStop robo-signing official documents : Ocwen must ensure that facts asserted in its documents about borrowers loans used in foreclosure and bankruptcy proceedings are accurate and supported by reliable evidence. Affidavits and sworn statements must be based on personal knowledge. \nAdhere to significant new homeowner protections : Ocwen must change the way it services mortgages to ensure that borrowers are protected from the illegal behavior that puts them in danger of losing their homes. To ensure this, the CFPB and the states are proposing that Ocwen follow the servicing standards set up by the XXXX XXXX XXXX XXXX with the five largest banks. Because of Ocwens track record of problems handling the large volume of  mortgage servicing rights it has quickly acquired in recent years, Ocwen is also being ordered to adhere to additional consumer protections, including how it manages transferred lans. Among other things, Ocwen must : o Properly process pending requests : For loans that are transferred to Ocwen, the company must determine the status of in-process loss mitigation requests pending within 60 days of transfer. Until then, Ocwen can not start, refer to, or proceed with foreclosure. \no Honor previous loan modification agreements : If the borrower has a loan modification agreement, Ocwen must honor it under the terms of the company that transferred the loan. \no Ensure continuity of contact for consumers : Ocwen will have to ensure that consumers get regular and dependable assistance when they call for help. This includes requiring more than just a single point of contact assigned to each borrower, but also that other Ocwen employees with access to the borrowers information be available if the borrower wants to speak to someone immediately. \no Restrict servicing fees : All servicing fees must be reasonable, bona fide, and disclosed in detail to borrowers. For example, Ocwen can not collect any late fees if a loan modification application is under review or if the borrower is making timely trial modification payments. \no Notify consumers of loss mitigation options and restrict dual tracking : Ocwen generally can not refer a borrowers account to foreclosure while the borrowers application for a loan modification is still pending. If the loan-modification request is denied, the borrower can appeal that decision and Ocwen can not proceed to foreclosure until that appeal has been resolved. \nIn XX/XX/XXXX, the CFPB released new rules on mortgage servicing that will apply to every mortgage servicer. The standards that Ocwen must adhere to according to this court order are in addition to the protections offered to consumers under the new rules that take effect on XX/XX/XXXX. More information about the CFPBs new mortgage rules can be found at :  consumerfinance.gov/mortgage. \nA factsheet about the proposed order filed today can be found at : http : //files.consumerfinance.govXXXX Common consumer questions and answers about the order can be found at : http : //files.consumerfinance.govXXXX A copy of the Ocwen complaint that the CFPB and state attorneys general filed today can be found at : http : //files.consumerfinance.govXXXX The complaint is not a finding or ruling that the defendants have actually violated the law. The proposed federal court order will have the full force of law only when signed by the presiding judge. \n# # # The Consumer Financial Protection Bureau is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. For more information, visit consumerfinance.gov. \nUpdated on XX/XX/XXXX : The XXXX XXXX XXXX XXXX will mail claim forms to borrowers who lost their home to foreclosure between XX/XX/XXXX and XX/XX/XXXX and whose loans were serviced by Ocwen, XXXX XXXX XXXX XXXX, and XXXX XXXX   XXXX XXXX ( also known as XXXX XXXX XXXX XXXX XXXX XXXX, or AHMSI ). Borrowers may submit claim forms online using their personalized claimant ID number, which is located on the claim form they receive. More information can be found at : XXXX Updated on XX/XX/XXXX : The Ocwen consent judgment entered by the court can be found at : http : //files.consumerfinance.govXX/XX/XXXX ////////////////////////////////////////////////////////////////////////////////////////////////////// CFPB Sues Ocwen for Failing Borrowers Throughout Mortgage Servicing Process Mortgage Servicers Widespread Errors, Shortcuts, and Runarounds Cost Borrowers Money, Homes XX/XX/XXXX Share this Share on XXXX Share on XXXX Share on XXXX Share on email WASHINGTON, D.C. The Consumer Financial Protection Bureau ( CFPB ) today sued one of the countrys largest nonbank mortgage loan servicers, XXXX XXXX XXXX, and its subsidiaries for failing borrowers at every stage of the mortgage servicing process. The Bureau alleges that Ocwens years of widespread errors, shortcuts, and runarounds cost some borrowers money and others their homes. Ocwen allegedly botched basic functions like sending accurate monthly statements, properly crediting payments, and handling taxes and insurance. Allegedly, Ocwen also illegally foreclosed on struggling borrowers, ignored customer complaints, and sold off the servicing rights to loans without fully disclosing the mistakes it made in borrowers records. The Florida Attorney General took a similar action against Ocwen today in a separate lawsuit. Many state financial regulators are also independently issuing cease-and-desist and license revocation orders against Ocwen for escrow management and licensing issues today. \n\" Ocwen has repeatedly made mistakes and taken shortcuts at every stage of the mortgage servicing process, costing some consumers money and others their homes, '' said CFPB Director XXXX XXXX. \" Borrowers have no say over who services their mortgage, so the Bureau  will remain vigilant to ensure they get fair treatment. '' Ocwen, headquartered in XXXX XXXX XXXX, Fla., is one of the nations largest nonbank mortgage servicers. As of XXXX XXXX, XXXX, Ocwen serviced almost XXXX XXXX loans with an aggregate unpaid principal balance of {$200.00} XXXX. It services loans for borrowers in all 50 states and the District of Columbia. A mortgage servicer collects payments from the mortgage borrower and forwards those payments to the owner of the loan. It handles customer service, collections, loan modifications, and foreclosures. Ocwen specializes in servicing subprime or delinquent loans. \nThe CFPB uncovered substantial evidence that Ocwen has engaged in significant and systemic misconduct at nearly every stage of the mortgage servicing process. The CFPB is charged with enforcing the Dodd-Frank Wall Street Reform and Consumer Protection Act, which protects consumers from unfair, deceptive, or abusive acts or practices, and other federal consumer financial laws. In addition, the Bureau adopted common-sense rules for the mortgage servicing market that first took effect in XX/XX/XXXX. The CFPBs mortgage servicing rules require that servicers promptly credit payments and correct errors on request. The rules also include strong protections for struggling homeowners, including those facing foreclosure. In its lawsuit, the CFPB alleges that Ocwen : Serviced loans using error-riddled information : Ocwen uses a proprietary system called REALServicing to process and apply borrower payments, communicate payment information to borrowers, and maintain loan balance information. Ocwen allegedly loaded inaccurate and incomplete information into its REALServicing system. And even when data was accurate, REALServicing generated errors because of system failures and deficient programming. To manage this risk, Ocwen tried manual workarounds, but they often failed to correct inaccuracies and produced still more errors. Ocwen then used this faulty information to service borrowers loans. In XX/XX/XXXX, Ocwens head of servicing described its system as ridiculous and a train wreck. \nIllegally foreclosed on homeowners : Ocwen has long touted its ability to service and modify loans for troubled borrowers. But allegedly, Ocwen has failed to deliver required foreclosure protections. As a result, the Bureau alleges that Ocwen has wrongfully initiated foreclosure proceedings on at least 1,000 people, and has wrongfully held foreclosure sales. Among other illegal practices, Ocwen has initiated the foreclosure process before completing a review of borrowers loss mitigation applications. In other instances, Ocwen has asked borrowers to submit additional information within 30 days, but foreclosed on the borrowers before the deadline. Ocwen has also foreclosed on borrowers who were fulfilling their obligations under a loss mitigation agreement. \nFailed to credit borrowers payments : Ocwen has allegedly failed to appropriately credit payments made by numerous borrowers. Ocwen has also failed to send borrowers accurate periodic statements detailing the amount due, how payments were applied, total payments received, and other information. Ocwen has also failed to correct billing and payment errors. \nBotched escrow accounts : Ocwen manages escrow accounts for over 75 percent of the loans it services. Ocwen has allegedly botched basic tasks in managing these borrower accounts. Because of system breakdowns and an over-reliance on manually entering information, Ocwen has allegedly failed to conduct escrow analyses and sent some borrowers escrow statements late or not at all. Ocwen also allegedly failed to properly account for and apply payments by borrowers to address escrow shortages, such as changes in the account when property taxes go up. One result of this failure has been that some borrowers have paid inaccurate amounts. \nMishandled hazard insurance : If a servicer administers an escrow account for a borrower, a servicer must make timely insurance and/or tax payments on behalf of the borrower. Ocwen, however, has allegedly failed to make timely insurance payments to pay for borrowers home insurance premiums. Ocwens failures led to the lapse of homeowners insurance coverage for more than 10,000 borrowers. Some borrowers were pushed into force-placed insurance. \nBungled borrowers private mortgage insurance : Ocwen allegedly failed to cancel borrowers private mortgage insurance, or PMI, in a timely way, causing consumers to overpay. Generally, borrowers must purchase PMI when they obtain a mortgage with a down payment of less than 20 percent, or when they refinance their mortgage with less than 20 percent equity in their property. Servicers must end a borrowers requirement to pay PMI when the principal balance of the mortgage reaches 78 percent of the propertys original value. Since XX/XX/XXXX, Ocwen has failed to end borrowers PMI on time after learning information in its REALServicing system was unreliable or missing altogether. Ocwen ultimately overcharged borrowers about {$1.00} XXXX for PMI premiums, and refunded this money only after the fact. \nDeceptively signed up and charged borrowers for add-on products : When servicing borrowers mortgage loans, Ocwen allegedly enrolled some consumers in add-on products through deceptive solicitations and without their consent. Ocwen then billed and collected payments from these consumers. \nFailed to assist heirs seeking foreclosure alternatives : Ocwen allegedly mishandled accounts for successors-in-interest, or heirs, to a deceased borrower. These consumers included widows, children, and other relatives. As a result, Ocwen failed to properly recognize individuals as heirs, and thereby denied assistance to help avoid foreclosure. In some instances, Ocwen foreclosed on individuals who may have been eligible to save these homes through a loan modification or other loss mitigation option. \nFailed to adequately investigate and respond to borrower complaints : If an error is made in the servicing of a mortgage loan, a servicer must generally either correct the error identified by the borrower, called a notice of error, or investigate the alleged error. Since XX/XX/XXXX, Ocwen has allegedly routinely failed to properly acknowledge and investigate complaints, or make necessary corrections. Ocwen changed its policy in XX/XX/XXXX to address the difficulty its call center had in recognizing and escalating complaints, but these changes fell short. Under its new policy, borrowers still have to complain at least five times in nine days before Ocwen automatically escalates their complaint to be resolved. Since XX/XX/XXXX, Ocwen has received more than 580,000 notices of error and complaints from more than 300,000 different borrowers. \nFailed to provide complete and accurate loan information to new servicers : Ocwen has allegedly failed to include complete and accurate borrower information when it sold its rights to service thousands of loans to new mortgage servicers. This has hampered the new servicers efforts to comply with laws and investor guidelines. \nThe Bureau also alleges that Ocwen has failed to remediate borrowers for the harm it has caused, including the problems it has created for struggling borrowers who were in default on their loans or who had filed for bankruptcy. For these groups of borrowers, Ocwens servicing errors have been particularly costly. \nThrough its complaint, filed in federal district court for the XXXX District of Florida, the CFPB seeks a court order requiring Ocwen to follow mortgage servicing law, provide relief for consumers, and pay penalties. The complaint is not a finding or ruling that the defendants have actually violated the law. \nThe lawsuit is available at : http : //files.consumerfinance.govXXXX # # # The Consumer Financial Protection Bureau is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. For more information, visit consumerfinance.gov. \n/////////////////////////////////////////////////////////////////////////////////////////////////////// CFPB Sues Ocwen for Failing Borrowers Throughout Mortgage Servicing Process Mortgage Servicers Widespread Errors, Shortcuts, and Runarounds Cost Borrowers Money, Homes XX/XX/XXXX Share this Share on XXXX Share on XXXX Share on XXXX Share on email WASHINGTON, D.C. The Consumer Financial Protection Bureau ( CFPB ) today sued one of the countrys largest nonbank mortgage loan servicers, XXXX XXXX XXXX, and its subsidiaries for failing borrowers at every stage of the mortgage servicing process. The Bureau alleges that Ocwens years of widespread errors, shortcuts, and runarounds cost some borrowers money and others their  homes. Ocwen allegedly botched basic functions like sending accurate monthly statements, properly crediting payments, and handling taxes and insurance. Allegedly, Ocwen also illegally foreclosed on struggling borrowers, ignored customer complaints, and sold off the servicing rights to loans without fully disclosing the mistakes it made in borrowers records. The Florida Attorney General took a similar action against Ocwen today in a separate lawsuit. Many state financial regulators are also independently issuing cease-and-desist and license revocation orders against Ocwen for escrow management and licensing issues today. \n\" Ocwen has repeatedly made mistakes and taken shortcuts at every stage of the mortgage servicing process, costing some consumers money and others their homes, '' said CFPB Director XXXX XXXX. \" Borrowers have no say over who services their mortgage, so the Bureau will remain vigilant to ensure they get fair treatment. '' Ocwen, headquartered in XXXX XXXX XXXX, Fla., is one of the nations largest nonbank mortgage servicers. As of XX/XX/XXXX Ocwen serviced almost XXXX XXXX loans with an aggregate unpaid principal balance of {$200.00} XXXX. It services loans for borrowers in all 50 states and the District of Columbia. A mortgage servicer collects payments from the mortgage borrower and forwards those payments to the owner of the loan. It handles customer service, collections, loan modifications, and foreclosures. Ocwen specializes in servicing subprime or delinquent loans. \nThe CFPB uncovered substantial evidence that Ocwen has engaged in significant and systemic misconduct at nearly every stage of the mortgage servicing process. The CFPB is charged with enforcing the Dodd-Frank Wall Street Reform and Consumer Protection Act, which protects consumers from unfair, deceptive, or abusive acts or practices, and other federal consumer financial laws. In addition, the Bureau adopted common-sense rules for the mortgage servicing market that first took effect in XX/XX/XXXX. The CFPBs mortgage servicing rules require that servicers promptly credit payments and correct errors on request. The rules also include strong protections for struggling homeowners, including those facing foreclosure. In its lawsuit, the CFPB alleges that Ocwen : Serviced loans using error-riddled information : Ocwen uses a proprietary system called REALServicing to process and apply borrower payments, communicate payment information to borrowers, and maintain loan balance information. Ocwen allegedly loaded inaccurate and incomplete information into its REALServicing system. And even when data was accurate, REALServicing generated errors because of system failures and deficient programming. To manage this risk, Ocwen tried manual workarounds, but they often failed to correct inaccuracies and produced still more errors. Ocwen then used this faulty information to service borrowers loans. In XX/XX/XXXX, Ocwens head of servicing described its system as ridiculous and a train wreck. \nIllegally foreclosed on homeowners : Ocwen has long touted its ability to service and modify loans for troubled borrowers. But allegedly, Ocwen has failed to deliver required foreclosure protections. As a result, the Bureau alleges that Ocwen has wrongfully initiated foreclosure proceedings on at least 1,000 people, and has wrongfully held foreclosure sales. Among other illegal practices, Ocwen has initiated the foreclosure process before completing a review of borrowers loss mitigation applications. In other instances, Ocwen has asked borrowers to submit additional information within 30 days, but foreclosed on the borrowers before the deadline. Ocwen has also foreclosed on borrowers who were fulfilling their obligations under a loss mitigation agreement. \nFailed to credit borrowers payments : Ocwen has allegedly failed to appropriately credit payments made by numerous borrowers. Ocwen has also failed to send borrowers accurate periodic statements detailing the amount due, how payments were applied, total payments received, and other information. Ocwen has also failed to correct billing and payment errors. \nBotched escrow accounts : Ocwen manages escrow accounts for over 75 percent of the loans it services. Ocwen has allegedly botched basic tasks in managing these borrower accounts. Because of system breakdowns and an over-reliance on manually entering information, Ocwen has allegedly failed to conduct escrow analyses and sent some borrowers escrow statements late or not at all. Ocwen also allegedly failed to properly account for and apply payments by borrowers to address escrow shortages, such as changes in the account when property taxes go up. One result of this failure has been that some borrowers have paid inaccurate amounts.\n\nMishandled hazard insurance : If a servicer administers an escrow account for a borrower, a servicer must make timely insurance and/or tax payments on behalf of the borrower. Ocwen, however, has allegedly failed to make timely insurance payments to pay for borrowers home insurance premiums. Ocwens failures led to the lapse of homeowners insurance coverage for more than 10,000 borrowers. Some borrowers were pushed into force-placed insurance.\n\nBungled borrowers private mortgage insurance : Ocwen allegedly failed to cancel borrowers private mortgage insurance, or PMI, in a timely way, causing consumers to overpay. Generally, borrowers must purchase PMI when they obtain a mortgage with a down payment of less than 20 percent, or when they refinance their mortgage with less than 20 percent equity in their property. Servicers must end a borrowers requirement to pay PMI when the principal balance of the mortgage reaches 78 percent of the propertys original value. Since XX/XX/XXXX, Ocwen has failed to end borrowers PMI on time after learning information in its REALServicing system was unreliable or missing altogether. Ocwen ultimately overcharged borrowers about {$1.00} XXXX for PMI premiums, and refunded this money only after the fact. \nDeceptively signed up and charged borrowers for add-on products : When servicing borrowers mortgage loans, Ocwen allegedly enrolled some consumers in add-on products through deceptive solicitations and without their consent. Ocwen then billed and collected payments from these consumers. \nFailed to assist heirs seeking foreclosure alternatives : Ocwen allegedly mishandled accounts for successors-in-interest, or heirs, to a deceased borrower. These consumers included widows, children, and other relatives. As a result, Ocwen failed to properly recognize individuals as heirs, and thereby denied assistance to help avoid foreclosure. In some instances, Ocwen foreclosed on individuals who may have been eligible to save these homes through a loan modification or other loss mitigation option. \nFailed to adequately investigate and r","date_sent_to_company":"2018-05-30T05:18:46.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"11375","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2920725","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2018-05-30T01:09:17.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Servicers must end a borrowers requirement to pay PMI when the principal <em>balance</em> of the <em>mortgage</em> reaches 78 percent of the propertys original value. Since XX/XX/XXXX, Ocwen has failed to end borrowers PMI on time after learning information in its REALServicing system was unreliable or <em>missing</em> altogether. Ocwen ultimately overcharged borrowers about {$1.00} XXXX for PMI premiums, and refunded this money only after the fact."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[9.290465,"2920725"]},{"_index":"complaint-public-v1","_id":"5623510","_score":8.894417,"_source":{"product":"Mortgage","complaint_what_happened":"I built my home and finance it by myself, in XXXX. \n\nI was the sole owner. Against my will, I was coerced ( by XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX XXXX  ) into refinancing my home in XXXX of XXXX and adding my Now ex-husband to my loan ( I married him in XXXX of XXXX kicked him out in XXXX, and finalized our divorce in XXXX ). At closing, I paid an additional {$3100.00} to buy my rate down to 0.75 %. My monthly payment should have consisted of 0.75 % ~Margin plus the 30 day XXXX rate. They tried to get me to pay even more money to reduce my margin to 0.25 % but I did not have that much extra. As it was, I paid more money to buy my rate down than I wanted to pay. My home loan is known as a Home Ownership Accelerator Loan and the payments change monthly based on the interest rate ( Margin ) plus the 30 day XXXX. I am now discovering that the reason XXXX wanted my ( now ex-husband ) on my home loan is so they could increase my balance as high as possible so they could get a higher commission. I told them I did not want my balance to be that high, but they insisted it would be better in the long run. Since my very first mortgage payment in XXXX, the interest calculated on my account has been inaccurate. My loan was immediately sold to GMAC Mortgage. I contacted XXXX on XX/XX/XXXX and inquired as to when my new lower payments would be taking effect since I bought my rate down and he told me something about pressure on the international markets or something like that. On XX/XX/XXXX, XXXX emailed me and told me my rate fell half a point. I was extremely excited because I though my payments would be significantly lower. However, this was not the case. My payments were still not where I was told they were going to be during the presentation by XXXX XXXX. \n\nIn XXXX of XXXX, I asked XXXX when I would be receiving a statement from my mortgage company regarding the \" Points '' I paid to buy my rate down. He said it should come in the mail from either GMAC Mortgage or XXXX. I wrote him back on XX/XX/XXXX and told him I found my \" points '' on my closing statement. NOW, looking back at my year end tax statement from GMAC mortgage in XXXX, they did NOT include the points. At the time, I didn't really pay understand because I did NOT have any idea how that worked. I kicked XXXX out of my home in XXXX because he was XXXX  to my XXXX young children, but did not file for divorce until XXXX because he refused to accept the fact that we were done. I do not have any children with XXXX. In my divorce decree, the judge awarded me sole ownership of my home. I have been the sole owner and monthly mortgage payer since I had my home built in XXXX. Although I contacted GMAC Mortgage on several occasions to try and find out why my payments were wrong, and why my payments weren't being applied properly, I was never able to get it resolved because nobody was able to figure out how my home loan was supposed to work. It was EXTREMELY frustrating. My monthly balance never seemed to change even though I had paid a significant amount towards the principal. Anything above my interest was to be paid to the principal. I have verification of every single payment I made on this account and it can be supplied if the need arrises. I have paid at least {$150000.00} TOTAL on my home and yet I am somehow facing foreclosure.\n\nGMAC Mortgage ( XXXX XXXX XXXX XXXX, AZ XXXX ) declared bankruptcy in XXXX and liquidated their assets in XXXX. I continued making my payments to GMAC even though a company named OCWEN Loan Servicing Center ( XXXX XXXX XXXX XXXX, IA XXXX ) had taken over my home loan from XX/XX/XXXX to XX/XX/XXXX. My XXXX XXXX from my bank continued to send my payments to GMAC. I was not aware that GMAC was not my servicer anymore until I began researching my home loan timeline for this foreclosure. That is when I saw emails from OCWEN. What I have found in my research is that OCWEN was found guilty of fraud and numerous other allegations of wrongdoing. From the documents I am able to locate, I paid GMAC and OCWEN a total of {$100000.00}. ( this does not include payments to XXXX and XXXX. These payments were both tied to the same account number. These are the payments I can locate by searching my different payment methods. It could be more than this. During this entire time, I contacted GMAC hundreds of times to try and get my account straightened out. It was so stressful. They just kept giving excuse after excuse and kept saying they would look into it ; but that never happened. And then they were gone! \n\nXXXX took over my loan in XXXX of XXXX. It was a nightmare right from the start. My account number changed. Their online system was horrible. Nothing about my home loan looked correct. The payments, the balance, and the odd charges they kept charging my account were not applicable. Their system wouldn't accept payments from me that were less than what they claimed I owed. Prior to that I could make a payment every hour if I wanted. The amount of interest they were charging me was WAY too high. Calling them and trying to get a supervisor was impossible. Nobody knew what type of home loan I had, nor did they understand how to credit any of my payments. I tried telling them my balance was wrong, my interest was wrong and they needed to accept my payments regardless of the amount I tried to pay. They refused to help me. Even charging me a fee to take payments over the phone when their system wouldn't accept my payments. They are horrific and shouldn't even be in business. Then in XXXX of XXXX, XXXX suddenly doubled my monthly payment without any explanation. Even though my payments were not accurate to begin with, the XXXX rate hadn't changed much so my payment shouldn't have doubled. Once again I tried calling to get help but everyone I spoke with was useless. NOBODY knew how to help me. They kept telling me that a supervisor would call me back, but that call never came. It was an endless cycle of lies and deceit. In XXXX my interest only period ended and my payment increased by {$700.00} per month. I was able to keep up on these payments until XXXX of XXXX. I was still trying to get my mortgage balance/payments straightened out and because these payments weren't accurate, my mortgage fell behind. I was owed money from a company who emailed me and said they were going out of business and couldn't pay me. That was a complete blindside. I have several different companies, but that was a huge part of my projected income. So in addition to my payments being higher than they were were supposed to be, I now had to rebuild my companies. Come to find out XXXX was issued a Cease and Desist order for unsafe and unsound practices from the OCC in XX/XX/XXXX. \n\nThen the pandemic hit and I started receiving mortgage statements from a company named XXXX XXXX. They held off foreclosures during the pandemic. I spoke with a gentleman in XXXX of XXXX and asked for forbearance. He kept trying to tell me that the loan wasn't mine. I don't know if he was ever convinced that this loan belongs to me but he tried his hardest to tell me that it did not belong to me. He also said that I could only have forbearance for 6 months. That brings me full circle to this moment in time. I am trying to work with XXXX  to have them straighten this out. I also have a housing counselor ( XXXX XXXX ) at XXXX XXXX XXXX XXXX XXXX. She can attest to all of the incompetence we are experiencing. We asked for a loss mitigation packet on XX/XX/XXXX. My original sell date was set for XX/XX/XXXX. I did not receive that packet until XX/XX/XXXX. In the interim, I found a previous loss mitigation packet from XXXX ( which I sent to XXXX  but the post office was not able to deliver because they said nobody was at their address in New Jersey ). I emailed XXXX an XXXX page hardship letter, along with numerous financial documents etc ... on XX/XX/XXXX. The email I was given to send these documents was XXXX. I received an error from this email \" XXXX '' stating that the documents were too large ( even though they were under XXXX ). The error message was from XXXX. This was a RED FLAG. Then on XX/XX/XXXX my housing counselor compressed/faxed/emailed all of these documents ( hardship letter which also asked for payment verification along with calculation of interest rate for my loan from XXXX to present, loss mitigation application, divorce decree, XXXX, XXXX, Owner policy Schedule A, and XXXX. On XX/XX/XXXX, I received an email from the loss mitigation department at XXXX telling me the options in lieu of the foreclosure. They also asked me to enroll in their online portal. I started the enrollment process then noticed that the terms and conditions belong to XXXX  XXXX. I also noticed that the terms and conditions included a section that wanted me to give my permission to Back in the XXXX XXXX to use, reproduce, adapt, publish, translate, and distribute my user content in any existing or future media, text, images, audio material documents that I submit to the website for whatever purpose they desire. Another RED FLAG. XXXX called on XX/XX/XXXX and spoke with agent XXXX. She had to put XXXX on hold and finally WAS able to locate the documents sent on XX/XX/XXXX. The agent looked over the paperwork and made some suggestions. I complied with her suggestions and XXXX sent ALL the documents once again on XX/XX/XXXX. On XX/XX/XXXX, XXXX called to verify that the documents had been received. The agent told her that there was not an open case yet ; but that the foreclosure/sale date had been pushed out until XX/XX/XXXX. I had not received any notice regarding this so it was a surprise. We still do not know why the date was pushed out. On XX/XX/XXXX we did a three way call which consisted of me, XXXX and XXXX XXXX from XXXX. She informed us that NONE of the documents we had sent were in their system. She said we would have to send everything again. I was so upset. I kept asking her questions and she couldn't answer one single question. I asked to speak with a supervisor and she said this was not possible but that a supervisor would call me back within 24 to 48 hours. I waited all day XX/XX/XXXX and XX/XX/XXXX and no call ever came. I have screenshots of all my calls during this time and they did NOT call me. A supervisor, to this day ( XX/XX/XXXX, ) has never called me back. XXXX sent all of my documents again on XX/XX/XXXX. I received a letter in the mail from XXXX on XX/XX/XXXX dated XX/XX/XXXX, that states they are still missing several documents. This company has now lost all of my documents that were ( rejected XX/XX/XXXX ) sent again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The missing documents have been sent. On XX/XX/XXXX my phone rang at XXXX. I answered the call and it was XXXX. The person on the line was XXXX XXXX agent number XXXX. This was NOT a supervisor. Just a collection agent who couldn't help me. She tried telling me that she couldn't talk to me unless I verified which two accounts my prior payments had been sent from. I couldn't understand why she would need to know that. She said because it's a HELOC, she has to verify more than just my name, address, social security number, etc .... I told her my loan is NOT a HELOC and that it's a home ownership accelerator. She said she had never heard of that. I proceeded to tell her that the reason for my delinquency was mainly because of fraudulent payment ommissions and miscalculations of payments. She said that I had to contact GMAC and OCWEN because XXXX didn't take over my loan until XXXX. She said that OCWEN would be impossible to reach so \" good luck ''. I informed her that since they now own my loan, they will have access to all of the information attached to my loan since its inception. I told her I wrote and asked for verification of my payments and calculation of my payments when I sent my hardship letter in on several different occasions. She said she didn't see those documents in her system. I told her they had FIVE Days to acknowledge receipt of my request ( this has not happened ). She said that documents get lost all of the time and I would just have to continue sending them. ( THIS IS RECORDED ON HER END SO YOU CAN VERIFY ALL OF THIS ). I was absolutely floored when she told me that they lose documents all the time. I believe they are trying to prevent me from getting my loan modified by losing my paperwork and telling me requirements that aren't true. That's unethical and not acceptable. XXXX XXXX did tell me that she would put in a request for verification of my payments made and calculation of my payments. In addition to the fraud, I also told her that my delinquency was due to financial hardship. I told her that we had sent in ALL of the documents that had been asked for and she said she would email the loss mitigation department to find out why they are still saying I have missing documents. XXXX called XXXX again in the afternoon of XX/XX/XXXX. She wanted to follow up with them regarding my conversation with XXXX XXXX. She was informed that the request for verification had been sent but they also told XXXX they have received the missing documents ( XX/XX/XXXX ) ; but will not accept my documents because I have redacted a portion of my bank statements and my taxes are expired. According to the letter I received from them, they only need to see my deposits. That is what I provided. They also said to provide my most current filed tax return ( which it's XXXX ). I filed my tax returns on XX/XX/XXXX. They want me to provide the extension I filed for this year. I have done taxes for 33 years and I know for a FACT that I do NOT have to file an extension unless I owe taxes. And even then, I have until XX/XX/XXXX of XXXX to file my tax return regardless of if I filed an extension or not. IF I owed taxes, I technically don't have to file an extension but I would be penalized higher for not filing an extension ; BUT if I don't owe taxes, I am not legally obligated to file an extension. HOWEVER ; their letter states that either tax returns OR bank statements are necessary. I DO NOT TRUST them. I DO NOT want them having my bank account information. I sent them my bank statements with my deposits listed but my debits and my account number redacted. I also sent them my XXXX, XXXX, XXXX statements. They do NOT need to see my debits, they only need to see my deposits. That is what their letter asks for. They are also trying to say I have to include my ex-husband on my modification application since his name is still tied to my home loan. He has not lived her since XXXX. My divorce decree from XXXX states that the judge grants me as sole owner of my home. My ex is obsessed with me and since he was XXXX, I have had ZERO contact with him since I kicked him out in XXXX. He only lived here from XXXX to XXXX. I know that XXXX  can modify my loan without him. I have been the sole person who has made 100 % of the payments since day number one. In fact, once my payments are credited properly, I shouldn't have much of a balance left at all. \n\nIn addition to everything that has happened. My mail carrier forged my name on some Certified Letters from the attorney handling this foreclosure. I filed a complaint with the postmaster in my home town. Both the carrier and the postmaster have tried to cover up this fraud. I have a witness that wrote a sworn statement regarding the carrier never exiting their vehicle on the day in question. The postmaster said their XXXX XXXX XXXX shows the carrier never exited their vehicle AND ... ..NOBODY was home when the mail carrier forged my name and left the certified letters in my mailbox. I did not want these letters and I had never gone to the post office to pick them up in the past when the notice was left in my mailbox. I'm sure that a letter carrier forging my name comes with some pretty serious implications. I'm pretty certain this is a federal offense. Now the attorney who sent those letters \" THINKS '' I have received them and read them. I still have not opened them. I will also be filing a complaint with the postmaster General. I asked my local postmaster what the update was today. He said he would find time last week to speak with the carrier after I sent him the sworn statement from a neighbor. He has yet to reply. \n\nMe trying to get this straightened out is not due to lack of trying, it is due to incompetency and lack of follow up from GMAC, OCWEN, XXXX and XXXX. I am a female, XXXX XXXX XXXX and I raised my children all by myself without any help at all. I have been self-employed since XXXX. I work hard XXXX. I have never depended on a man ( or anyone else ) to help me financially. I have experienced GREAT success but also financial hardships. I refuse to lose my home because my interest rate and my payments were never calculated or applied correctly. I am so tired of this corruption and incompetency. I have PROOF of every thing I have said in this statement. I can back everything up. \n\n\nI do not have much time because my foreclosure has been rescheduled to XX/XX/XXXX. Please let me know how we will proceed from this point. \n\nThank You, XXXX XXXX","date_sent_to_company":"2022-06-21T14:55:45.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"83634","tags":null,"has_narrative":true,"complaint_id":"5623510","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2022-06-02T00:56:54.000Z","state":"ID","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am now discovering that the reason XXXX wanted my ( now ex-husband ) on my home loan is so they could increase my <em>balance</em> as high as possible so they could get a higher commission. I told them I did not want my <em>balance</em> to be that high, but they insisted it would be better in the long run. Since my very first <em>mortgage</em> payment in XXXX, the interest <em>calculated</em> on my account has been inaccurate. My loan was immediately sold to GMAC <em>Mortgage</em>."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Other type of <em>mortgage</em>"]},"sort":[8.894417,"5623510"]},{"_index":"complaint-public-v1","_id":"2831757","_score":8.631884,"_source":{"product":"Mortgage","complaint_what_happened":"I started a HAMP Modification. In XX/XX/XXXX, I was told I was approved for the trial period. In 52.5 years, I have NEVER been late or missed ANY payments EVER especially mortgage payments thus there are no fines, fees or finance charges other than regular principle and interest payments on a fixed rate fully amortized loan involved!!! I have also never had an Escrow account on any of my loans. My P & I payments were {$2900.00} for the last 16 years, and my HAMP trial period payments were calculated to be {$2500.00}. My trial payments were to be XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. When I called, XX/XX/XXXX to setup my trial payments, I was told since my XX/XX/XXXX payment was more than the trial amount, it counted as my first trial payment to be received on or before XX/XX/XXXX. Not believing this to be true, per the trial modification agreement received, I set up the 3 trial payments, per the documentation received, so as not to jeopardize the modification. Monies were to be taken from my account automatically per the trial plan. When I called in to inquire about the process, after receiving paperwork stating that my new Escrow amount was to be {$3300.00}, I was told that unless I make my full old Loan payment with the new ESCROWED payment, which was now actually {$4000.00}, instead of the {$3300.00}, per the escrow analysis statement date XX/XX/XXXX, I would be reported as delinquent in my mortgage to the credit bureaus. I kept calling SLS to find out how much I owed, so as not to be reported as late, and again, was ALWAYS told different answers. I have written them countless letters and even had them review their telephone recordings from all the times I called in to hear exactly what I was advised and told to do and how much to send in. \nI not only made my 3 trial payments, but I also made payments for my regular mortgage, however, ESCROW monies were now attached to my OLD Loan as well, because that is how the modification is setup! When I again called to inquire WHY I am making 2 P & I Payments, 2 Tax Escrow Payments, 2 Insurance Escrow Payments, and 2 escrow shortage payments monthly, and a separate Escrow shortage check I was snottily told by an SLS representative, look if you dont pay OLD loan PI and Escrowed T & I youll be reported as late. So, I took out a loan and made whatever payments SLS told me I needed to make as not to lose the modification. When I received the Final Loan Mod paperwork XX/XX/XXXX ( before the 3rd trial payment was taken out of my account ), I called and was told I had one more payment to make. When I informed them I am looking at the final Loan Mod paperwork to sign and fax back, but have questions about HOW I could sign something that is in error, I was told nothing could be done at this point, like the accounting of funds sent in and a refund of excess escrow monies, until the final loan modification was completed, and only after I receive the Final HAMP Loan Modification Documentation. When I inquired about this {$7500.00} escrow shortage, I was re-assured all would be fixed after the final wet signature was received, and the 3 trial payments were made. Ive called and written SLS dozens and dozens of times, and I always get the same response. NOTHING IS WRONG! Weve looked and everything is correct. They will NOT give me a straightforward accounting of funds received and WHERE those funds went and why they just dont add up, just pages of codes with reversals and amounts going into and out of different categories. They send me an escrow analysis statements of what my new payments will be and a mortgage statement showing what the amount should be, which are both out of sync, then charge me a late fee and put monies into a suspense account, not applying it to my mortgage and escrow properly, and then ding my credit, after I send them what they said needed to be paid. Over {$2500.00} is missing from Escrow, there is an incorrect loan amount listed ( ie. It is also in arrears 1 month already, and the balance keeps growing ) and the monthly payment amount is incorrect. I continue making these incorrect contractual payments after sending SLS monies based on their escrow analysis and initial mortgage statements received where they then tell me that is not the correct amount and they do not believe I received an Escrow analysis. So, I send them all documents received and they get back to me over 30 days later most of the time. Of course, the numbers change after each monthly payment, so I am forced to review my account all over again each time I prepare new documents and send them to wait to hear nothing is wrong. \nMy XX/XX/XXXX mortgage statement still shows an incorrect loan balance, an incorrect amount in Escrow, and monies are held in suspense wrongfully, and I get canned responses from SLS each time I email or mail them. Once again, different departments contact me. One sends me an application to start the process all over again by requesting a new Loan modification, and the another sends me mortgage statements with reversals and incorrect amounts listed on the statement. \nTo make a long story short, below is my payment history, since the beginning of XX/XX/XXXX. ( The XX/XX/XXXX mortgage payment was made on XX/XX/XXXX, hence is not listed below. ) I almost could follow this, but get extremely lost as they also have many reversals. \nFunds Sent Date Monthly Interest Principle Taxes and Monthly Excess Running Balance Running Balance Ending Loan Balance Sent In Sent In Total Sent Insurance Sent In Excess/Month After T & I Paid {$350000.00} {$3000.00} XX/XX/XXXX {$3000.00} {$1700.00} {$1200.00} {$0.00} {$0.00} {$0.00} {$350000.00} {$3000.00} XX/XX/XXXX {$3000.00} {$1700.00} {$1200.00} {$0.00} {$0.00} {$0.00} {$350000.00} {$3000.00} XX/XX/XXXX {$3000.00} {$1700.00} {$1200.00} {$0.00} {$0.00} {$0.00} {$350000.00} {$2500.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$2100.00} XX/XX/XXXX {$8700.00} {$1700.00} {$1200.00} {$700.00} {$5700.00} {$5700.00} {$5000.00} {$350000.00} {$2500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$4000.00} {$1700.00} {$1200.00} {$1000.00} {$6100.00} {$6100.00} {$350000.00} {$0.00} XX/XX/XXXX {$0.00} {$0.00} {$350.00} {$0.00} {$5700.00} {$5700.00} {$350000.00} XXXX OFF BY - {$350.00} {$350000.00} {$1600.00} XX/XX/XXXX {$1600.00} {$1100.00} {$310.00} {$210.00} {$5900.00} {$5900.00} {$350000.00} {$2300.00} XX/XX/XXXX {$2300.00} {$1100.00} {$310.00} {$2900.00} {$950.00} {$6900.00} {$4000.00} {$350000.00} {$2300.00} XX/XX/XXXX {$2300.00} {$1100.00} {$320.00} {$950.00} {$4900.00} {$4900.00} {$350000.00} {$2400.00} XX/XX/XXXX {$2400.00} {$1100.00} {$320.00} {$1000.00} {$6000.00} {$6000.00} {$350000.00} {$2400.00} XX/XX/XXXX {$2400.00} {$1100.00} {$320.00} {$4300.00} {$1000.00} {$7000.00} {$2600.00} {$350000.00} {$33000.00} {$33000.00} {$14000.00} {$8200.00} {$7900.00} XXXX XXXX {$25000.00} {$14000.00} {$7800.00} {$1000.00} Difference {$7900.00} - {$600.00} {$320.00} {$6900.00} Hmmmm! Interesting Differe+ {$51.00} - {$51.00} = {$7900.00} {$30000.00} XX/XX/XXXX PITI Paid Exactly What I ( XXXX ) paid for T & I {$2600.00} S/B In ESCROW XX/XX/XXXX My XX/XX/XXXX mortgage statement shows I have a Loan Balance of {$350000.00}, and I owe {$1600.00}, so I send that into SLS. SLS puts that into suspense. XX/XX/XXXX Escrow analysis received shows a new monthly payment at {$2300.00} starting XX/XX/XXXX. When I speak to a supervisor about the XX/XX/XXXX Suspense payment, he states he doesnt see an Escrow analysis that I should send it to him, and I send SLS {$2300.00} on XX/XX/XXXX and XX/XX/XXXX, per the escrow analysis I received, but they put that in suspense once again. After calling again, I am told I have to send in contractual payments of {$2400.00}, so I do, and they still put that in suspense. In a letter dated XX/XX/XXXX they state I asked to have my XX/XX/XXXX payment reversed on XX/XX/XXXX, yet they do not state they received my XX/XX/XXXX payment, in the amount of {$1600.00} per the 1st Modified Loan statement received. In this letter they say my contractual payments went from {$2500.00} down to {$2400.00}, as there were sufficient funds there, ( YEAH! YA THINK!! ) yet on XX/XX/XXXX they state to send in {$2300.00}, per the escrow analysis statement. I really dont know how many more errors are in their correspondences. \nAfter my XX/XX/XXXX payment was processed, on or about XX/XX/XXXX, I expected to see a mortgage statement showing a balance in Escrow of {$2600.00}, and a Loan Balance of {$350000.00} with the corrected monthly payment amount of whatever it should be after being corrected. Instead, I see a loan balance of {$350000.00} and {$970.00} in Escrow with a payment due of {$3500.00} and {$1400.00} in suspense. Late fines were assessed a couple of months, but were graciously removed once, as a 1 time courtesy I also expected to see mortgage interest in the amount of {$14000.00}, per XXXX   Holdings Incs Tax Year End XX/XX/XXXX Statement. \n{$33000.00} Total Pmts Made in XX/XX/XXXX {$14000.00} Interest ( XX/XX/XXXX-XX/XX/XXXX, as per outlined above ) {$8200.00} Principle {$7900.00} Taxes & Insurance ->  {$700.00} + {$2900.00} + {$4300.00} ============== {$2600.00} Should be in Escrow as of XX/XX/XXXX and the Mortgage Balance should be {$350000.00}, but this is not the case. \nIf I look at things differently, per a ledger similar to the SLS Ledger, I  still show an Escrow balance of {$2600.00}, a loan balance of {$350000.00} with all funds applied, after all trial payments go into the Unapplied Funds Category then taken out prior to the Final Loan Modification. \nTransaction Effective Principle Interest Escrow Late Charge Unapplied Funds Transaction Transaction Balance Balance Paid Thru Unapplied Balance Date Date Amount Amount Amount Amount Amount Amount Type Principle Escrow Running Balance XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1700.00} {$0.00} {$0.00} {$0.00} {$3000.00} AP {$350000.00} {$0.00} XX/XX/XXXX {$0.00} {$0.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1700.00} {$0.00} {$0.00} {$0.00} {$3000.00} XXXX   {$350000.00} {$0.00} XX/XX/XXXX {$0.00} {$0.00} XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$0.00} {$0.00} {$3000.00} {$3000.00} XXXX {$350000.00} {$0.00} {$3000.00} {$0.00} XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$0.00} {$0.00} {$2500.00} {$2500.00} XXXX {$350000.00} {$0.00} {$5500.00} {$0.00} XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$0.00} {$0.00} - {$700.00} - {$700.00} XXXX {$350000.00} {$0.00} {$4800.00} {$0.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1700.00} {$1000.00} {$0.00} {$0.00} {$4000.00} XXXX   {$350000.00} {$1000.00} XX/XX/XXXX {$4800.00} {$0.00} XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$2100.00} {$0.00} {$0.00} {$2100.00} XXXX   {$350000.00} {$3200.00} {$4800.00} {$0.00} XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$0.00} {$0.00} {$2500.00} {$2500.00} XXXX {$350000.00} {$3200.00} {$7300.00} {$0.00} XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$0.00} {$0.00} {$1500.00} {$1500.00} XXXX {$350000.00} {$3200.00} {$8800.00} {$0.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1700.00} {$0.00} {$0.00} - {$2900.00} - {$2900.00} XXXX   {$350000.00} {$3200.00} XX/XX/XXXX {$5800.00} - {$2900.00} XX/XX/XXXX XX/XX/XXXX {$1200.00} {$1700.00} {$0.00} {$0.00} - {$2900.00} - {$2900.00} XXXX {$350000.00} {$3200.00} XX/XX/XXXX {$2800.00} - {$2900.00} XX/XX/XXXX XX/XX/XXXX {$350.00} {$0.00} {$0.00} {$0.00} - {$350.00} - {$350.00} XXXX {$350000.00} {$3200.00} {$2500.00} - {$350.00} XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$2500.00} {$0.00} - {$2500.00} - {$2500.00} XXXX   {$350000.00} {$5700.00} {$0.00} - {$2500.00} XX/XX/XXXXXX/XX/XXXX {$310.00} {$1100.00} {$210.00} {$0.00} {$0.00} {$1600.00} XXXX   {$350000.00} {$5900.00} XX/XX/XXXX {$0.00} {$0.00} XX/XX/XXXX {$310.00} {$1100.00} {$950.00} {$0.00} {$0.00} {$2300.00} XXXX {$350000.00} {$6900.00} XX/XX/XXXX {$0.00} {$0.00} XX/XX/XXXX {$0.00} {$0.00} - {$2900.00} {$0.00} {$0.00} - {$2900.00} XXXX {$350000.00} {$4000.00} XX/XX/XXXX {$0.00} {$0.00} XX/XX/XXXX {$320.00} {$1100.00} {$950.00} {$0.00} {$0.00} {$2300.00} XXXX {$350000.00} {$4900.00} XX/XX/XXXX {$0.00} {$0.00} XX/XX/XXXX {$320.00} {$1100.00} {$1000.00} {$0.00} {$0.00} {$2400.00} XXXX {$350000.00} {$6000.00} XX/XX/XXXX {$0.00} {$0.00} XX/XX/XXXX {$320.00} {$1100.00} {$1000.00} {$0.00} {$0.00} {$2400.00} XXXX {$350000.00} {$7000.00} XX/XX/XXXX {$0.00} {$0.00} XX/XX/XXXX {$0.00} {$0.00} - {$4300.00} {$0.00} {$0.00} - {$4300.00} XXXX {$350000.00} {$2600.00} {$0.00} {$0.00} {$8200.00} {$14000.00} {$2600.00} {$0.00} {$0.00} {$16000.00} XXXX XXXX Prin Paid Int Paid Esc Paid late Chrg unapplied funds Trans Amt {$7800.00} {$14000.00} {$1000.00} {$0.00} {$1400.00} {$25000.00} XXXX {$320.00} - {$600.00} {$1600.00} {$0.00} - {$1400.00} - {$8900.00} If I continue making the payments as contractually required, the scenario only gets compounded. In XX/XX/XXXX, after property Taxes are paid, Ill have a {$2500.00} Escrow Balance, and in XX/XX/XXXX, when Insurance is paid, Ill have an Escrow balance of {$4900.00}. Then after XX/XX/XXXXs taxes are paid, Ill have a {$3600.00} Escrow Balance. Shouldnt an Escrow cushion balance be like XX/XX/XXXX or XX/XX/XXXX of Taxes & Insurance?? \nFunds Sent Date Monthly Interest Principle Taxes and Monthly Excess Running Balance Running Balance Ending Loan Balance Sent In Sent In Total Sent Insurance Sent In Excess/Month After T & I Paid {$350000.00} {$3000.00} XX/XX/XXXX {$3000.00} {$1700.00} {$1200.00} {$0.00} {$0.00} {$0.00} {$350000.00} {$3000.00} XX/XX/XXXX {$3000.00} {$1700.00} {$1200.00} {$0.00} {$0.00} {$0.00} {$350000.00} {$3000.00} XX/XX/XXXX {$3000.00} {$1700.00} {$1200.00} {$0.00} {$0.00} {$0.00} {$350000.00} {$2500.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$2100.00} XX/XX/XXXX {$8700.00} {$1700.00} {$1200.00} {$700.00} {$5700.00} {$5700.00} {$5000.00} {$350000.00} {$2500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$4000.00} {$1700.00} {$1200.00} {$1000.00} {$6100.00} {$6100.00} {$350000.00} {$0.00} XX/XX/XXXX {$0.00} {$0.00} {$350.00} {$0.00} {$5700.00} {$5700.00} {$350000.00} XX/XX/XXXX OFF BY - {$350.00} {$350000.00} {$1600.00} XX/XX/XXXX {$1600.00} {$1100.00} {$310.00} {$210.00} {$5900.00} {$5900.00} {$350000.00} {$2300.00} XX/XX/XXXX {$2300.00} {$1100.00} {$310.00} {$2900.00} {$950.00} {$6900.00} {$4000.00} {$350000.00} {$2300.00} XX/XX/XXXX {$2300.00} {$1100.00} {$320.00} {$950.00} {$4900.00} {$4900.00} {$350000.00} {$2400.00} XX/XX/XXXX {$2400.00} {$1100.00} {$320.00} {$1000.00} {$6000.00} {$6000.00} {$350000.00} {$2400.00} XX/XX/XXXX {$2400.00} {$1100.00} {$320.00} {$4300.00} {$1000.00} {$7000.00} {$2600.00} {$350000.00} {$2400.00} XX/XX/XXXX {$2400.00} {$1000.00} {$320.00} {$1000.00} {$3700.00} {$3700.00} {$350000.00} {$2400.00} XX/XX/XXXX {$2400.00} {$1000.00} {$320.00} {$1000.00} {$4800.00} {$4800.00} {$350000.00} {$2400.00} XX/XX/XXXX {$2400.00} {$1000.00} {$320.00} {$1000.00} {$5800.00} {$5800.00} {$350000.00} {$2400.00} XX/XX/XXXX {$2400.00} {$1000.00} {$320.00} {$4300.00} {$1000.00} {$6900.00} {$2500.00} {$350000.00} {$2400.00} XX/XX/XXXX {$2400.00} {$1000.00} {$320.00} {$1000.00} {$3500.00} {$3500.00} {$350000.00} {$2400.00} XX/XX/XXXX {$2400.00} {$1000.00} {$320.00} {$1000.00} {$4600.00} {$4600.00} {$340000.00} {$2400.00} XX/XX/XXXX {$2400.00} {$1000.00} {$320.00} {$1000.00} {$5600.00} {$5600.00} {$340000.00} {$2400.00} XX/XX/XXXX {$2400.00} {$1000.00} {$330.00} {$1000.00} {$6700.00} {$6700.00} {$340000.00} {$2400.00} XX/XX/XXXX {$2400.00} {$1000.00} {$330.00} {$2900.00} {$1000.00} {$7800.00} {$4900.00} {$340000.00} {$2400.00} XX/XX/XXXX {$2400.00} {$1000.00} {$330.00} {$1000.00} {$5900.00} {$5900.00} {$340000.00} {$2400.00} XX/XX/XXXX {$2400.00} {$1000.00} {$330.00} {$1000.00} {$7000.00} {$7000.00} {$340000.00} {$2400.00} XX/XX/XXXX {$2400.00} {$1000.00} {$330.00} {$4300.00} {$1000.00} {$8000.00} {$3600.00} {$340000.00} I am enclosing Mortgage Statements and Escrow Analysis statements I have received from SLS thus far, as well as most recent correspondence from SLS Stating that they responded five times within the last year, and that A copy of your most recent Escrow Analysis Disclosure Statement Dated XX/XX/XXXX has been enclosed for your Convenience. YES. IT STATES MONTHLY PAYMENT IS {$2300.00}. Mortgage Statement shows CONTRACTUAL PAYMENT of {$2400.00}. Thats a difference of $ XXXX/Month. WHICH ONE IS IT?? They cant figure it out correctly until the Escrow balance and loan balance is corrected pre-modification, based on payments received since XX/XX/XXXX, for the trial payments and the regular NOW ESCROWED payments. It seems there are MULTIPLE departments involved here and one doesnt know what the others are doing, or they want until payments are received and the numbers are different. Someone needs to be held accountable for the history of this account and correct all the issues and get all departments in sync. I made more payments than what was required of me ( $ XXXX OR is it $ XXXX OR was it supposed to be {$4000.00} ) and SLS should apply the payments correctly when they came in and to the correct Escrow account in a proper fashion and only then do an Escrow analysis. Payment amounts and their codes are being applied everywhere and are constantly changing depending on where the document originated. I would just really like to see where my monies went when they received them, and follow it succinctly. They can not seem to provide me this. \nI sent them, to a different address as requested, an escrow shortage amount of {$2100.00}. This amount appears over 12 times in XXXX accounting which I can ALMOST follow, but still cant. It looks like I sent in {$2100.00} three times, which I did not. The Final Loan Modification shows I still have an Escrow Shortage of {$7500.00}, after sending them a shortage amount of {$2100.00} at the SLS address specified! \nIn the most recent letter from SLS ( XXXX ), SLS states that trial payments were applied XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the amount of {$2500.00} each ( x 3 ). If that is the case, where is the additional {$8200.00} ( {$15000.00} {$7500.00} ) sent in and how was each {$2500.00} applied to my Principle, Interest, Tax, Insurance and Escrow account? \nCould someone please help me get this corrected? I am at my wits end playing with numbers. WHO do I turn to? I can not get SLS to correct these errors by giving me a clean/ Succinct accounting of exactly where all this money went based on when it came in and where it was supposed to go. I just get PAGES of reversals to different categories I can not follow. They just keep assessing late fees, reporting me as late, sending me late notices and then telling me to disregard them as they were sent out in error, and telling me everything is correct. I was obligated to pay {$2500.00} for three months, which I did. I also paid my normal Mortgage Payment AND ESCROWED that too, yet the monies are NOT in Escrow. Is there ANOTHER account somewhere holding my {$7500.00}?? \nIf each trial payment contains an Escrow Amount of {$1000.00} and I made 3 of those and 2 regular payment ones and I sent in 1 Escrow shortage check for {$2100.00}, then escrow should have had {$7400.00}. Subtract {$700.00} for the insurance payment and you are left with {$6700.00} in Escrow at the time of Loan Modification, with a balance of {$8300.00} sitting in unapplied funds for P & I to calculate the loan amount. \nAll I want is a clean accounting of funds sent in, and how/where/when they were applied, because I cant make heads or tails out of all the reversals into and out of the different codes, that just dont seem to balance no matter how long and hard I look at the numbers. I followed it for a while, then it gets too convoluted. Hopefully you can assist. Thank You! \n\nWhat would be a fair resolution to this issue? \nWell forward this to the companies involved. Be specific so they know what resolution you are looking for. The company may or may not offer to resolve your complaint. \nStop sending canned letters and actually look at my payment history and correspondence ( on a payment by payment - month by month basis, line by line ) before all reversals were made using multiple codes and amounts and apply the payments succinctly and CORRECTLY the first time around which will properly disperse monies into correct categories ( Principle, Interest, & Escrow ), correct my end of year tax statement, correct my loan balance, calculate Escrow amounts correctly, correct my monthly payment amount, correct the current escrow balance, remove the late from my credit report, remove the late fees assessed, put account back into clean status with HAMP, send me interest on the monies held for the last 9 months, send me my escrow refund check, and get me the job back I probably lost because of the lates on my credit report.","date_sent_to_company":"2018-03-03T06:40:37.000Z","issue":"Trouble during payment process","sub_product":"Other type of mortgage","zip_code":"92028","tags":null,"has_narrative":true,"complaint_id":"2831757","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Loan Servicing Holdings LLC","date_received":"2018-03-03T05:25:37.000Z","state":"CA","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":["the <em>Mortgage</em> <em>Balance</em> should be {$350000.00}, but this is not the case."],"product":["<em>Mortgage</em>"],"sub_product":["Other type of <em>mortgage</em>"]},"sort":[8.631884,"2831757"]},{"_index":"complaint-public-v1","_id":"5722407","_score":8.527282,"_source":{"product":"Mortgage","complaint_what_happened":"I built my home and finance it by myself, in XXXX. I was the sole owner. Against my will, I was coerced ( by XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX XXXX ) into refinancing my home in XXXX of XXXX and adding my Now ex-husband to my loan ( I married him in XXXX of XXXX kicked him out in XXXX, and finalized our divorce in XXXX ). At closing, I paid an additional {$3100.00} to buy my rate down to 0.75 %. My monthly payment should have consisted of 0.75 % ~Margin plus the 30 day Libor rate. They tried to get me to pay even more money to reduce my margin to 0.25 % but I did not have that much extra. As it was, I paid more money to buy my rate down than I wanted to pay. My home loan is known as a XXXX XXXX XXXX XXXX and the payments change monthly based on the interest rate ( Margin ) plus the 30 day Libor. I am now discovering that the reason XXXX wanted my ( now ex-husband ) on my home loan is so they could increase my balance as high as possible so they could get a higher commission. I told them I did not want my balance to be that high, but they insisted it would be better in the long run. Since my very first mortgage payment in XXXX, the interest calculated on my account has been inaccurate. My loan was immediately sold to GMAC XXXX. I contacted XXXX on XX/XX/XXXX and inquired as to when my new lower payments would be taking effect since I bought my rate down and he told me something about pressure on the international markets or something like that. On XX/XX/XXXX, XXXX emailed me and told me my rate fell half a point. I was extremely excited because I though my payments would be significantly lower. However, this was not the case. My payments were still not where I was told they were going to be during the presentation by XXXX XXXX. In XXXX of XXXX, I asked XXXX when I would be receiving a statement from my mortgage company regarding the \" Points '' I paid to buy my rate down. He said it should come in the mail from either GMAC XXXX  or XXXX. I wrote him back on XX/XX/XXXX and told him I found my \" points '' on my closing statement. NOW, looking back at my year end tax statement from GMAC XXXX  in XXXX, they did NOT include the points. At the time, I didn't really pay understand because I did NOT have any idea how that worked. I kicked XXXX out of my home in XXXX because he was abusive to my two young children, but did not file for divorce until XXXX because he refused to accept the fact that we were done. I do not have any children with XXXX. In my divorce decree, the judge awarded me sole ownership of my home. I have been the sole owner and monthly mortgage payer since I had my home built in XXXX. Although I contacted GMAC XXXX  on several occasions to try and find out why my payments were wrong, and why my payments weren't being applied properly, I was never able to get it resolved because nobody was able to figure out how my home loan was supposed to work. It was EXTREMELY frustrating. My monthly balance never seemed to change even though I had paid a significant amount towards the principal. Anything above my interest was to be paid to the principal. I have verification of every single payment I made on this account and it can be supplied if the need arrises. I have paid at least {$150000.00} TOTAL on my home and yet I am somehow facing foreclosure. GMAC XXXX  ( XXXX XXXX XXXX XXXX, AZ XXXX ) declared bankruptcy in XXXX and liquidated their assets in XXXX. I continued making my payments to GMAC even though a company named XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, IA XXXX ) had taken over my home loan from XX/XX/XXXX to XX/XX/XXXX. My Bill Pay from my bank continued to send my payments to GMAC. I was not aware that GMAC was not my servicer anymore until I began researching my home loan timeline for this foreclosure. That is when I saw emails from XXXX. What I have found in my research is that XXXX was found guilty of fraud and numerous other allegations of wrongdoing. From the documents I am able to locate, I paid GMAC and XXXX a total of {$100000.00}. ( this does not include payments to XXXX  and ALLY. These payments were both tied to the same account number. These are the payments I can locate by searching my different payment methods. It could be more than this. During this entire time, I contacted XXXX hundreds of times to try and get my account straightened out. It was so stressful. They just kept giving excuse after excuse and kept saying they would look into it ; but that never happened. And then they were gone! XXXX took over my loan in XXXX of XXXX. It was a nightmare right from the start. My account number changed. Their online system was horrible. Nothing about my home loan looked correct. The payments, the balance, and the odd charges they kept charging my account were not applicable. Their system wouldn't accept payments from me that were less than what they claimed I owed. Prior to that I could make a payment every hour if I wanted. The amount of interest they were charging me was WAY too high. Calling them and trying to get a supervisor was impossible. Nobody knew what type of home loan I had, nor did they understand how to credit any of my payments. I tried telling them my balance was wrong, my interest was wrong and they needed to accept my payments regardless of the amount I tried to pay. They refused to help me. Even charging me a fee to take payments over the phone when their system wouldn't accept my payments. They are horrific and shouldn't even be in business. Then in XXXX of XXXX, XXXX suddenly doubled my monthly payment without any explanation. Even though my payments were not accurate to begin with, the XXXX rate hadn't changed much so my payment shouldn't have doubled. Once again I tried calling to get help but everyone I spoke with was useless. NOBODY knew how to help me. They kept telling me that a supervisor would call me back, but that call never came. It was an endless cycle of lies and deceit. In XXXX my interest only period ended and my payment increased by {$700.00} per month. I was able to keep up on these payments until XXXX of XXXX. I was still trying to get my mortgage balance/payments straightened out and because these payments weren't accurate, my mortgage fell behind. I was owed money from a company who emailed me and said they were going out of business and couldn't pay me. That was a complete blindside. I have several different companies, but that was a huge part of my projected income. So in addition to my payments being higher than they were were supposed to be, I now had to rebuild my companies. Come to find out XXXX was issued a Cease and Desist order for unsafe and unsound practices from the XXXX in XX/XX/XXXX. Then the pandemic hit and I started receiving mortgage statements from a company named ALLY Bank. They held off foreclosures during the pandemic. I spoke with a gentleman in XXXX of XXXX and asked for forbearance. He kept trying to tell me that the loan wasn't mine. I don't know if he was ever convinced that this loan belongs to me but he tried his hardest to tell me that it did not belong to me. He also said that I could only have forbearance for 6 months. That brings me full circle to this moment in time. I am trying to work with ALLY to have them straighten this out. I also have a housing counselor ( XXXX XXXX ) at XXXX XXXX XXXX XXXX XXXX. She can attest to all of the incompetence we are experiencing. We asked for a loss mitigation packet on XX/XX/XXXX. My original sell date was set for XX/XX/XXXX. I did not receive that packet until XX/XX/XXXX. In the interim, I found a previous loss mitigation packet from XXXX ( which I sent to XXXX  but the post office was not able to deliver because they said nobody was at their address in New Jersey ). I emailed ALLY an 8 page hardship letter, along with numerous financial documents etc ... on XX/XX/XXXX. The email I was given to send these documents was XXXX. I received an error from this email \" XXXX '' stating that the documents were too large ( even though they were under 20gigs ). The error message was from XXXX. This was a RED FLAG. Then on XX/XX/XXXX my housing counselor compressed/faxed/emailed all of these documents ( hardship letter which also asked for payment verification along with calculation of interest rate for my loan from XXXX to present, loss mitigation application, divorce decree, XXXX, XXXX, Owner policy Schedule A, and DT. On XX/XX/XXXX, I received an email from the loss mitigation department at Ally telling me the options in lieu of the foreclosure. They also asked me to enroll in their online portal. I started the enrollment process then noticed that the terms and conditions belong to XXXX  XXXX. I also noticed that the terms and conditions included a section that wanted me to give my permission to XXXX XXXX XXXX XXXX XXXX to use, reproduce, adapt, publish, translate, and distribute my user content in any existing or future media, text, images, audio material documents that I submit to the website for whatever purpose they desire. Another RED FLAG. XXXX called on XX/XX/XXXX and spoke with agent XXXX. She had to put XXXX on hold and finally WAS able to locate the documents sent on XX/XX/XXXX. The agent looked over the paperwork and made some suggestions. I complied with her suggestions and XXXX sent ALL the documents once again on XX/XX/XXXX. On XX/XX/XXXX, XXXX called to verify that the documents had been received. The agent told her that there was not an open case yet ; but that the foreclosure/sale date had been pushed out until XX/XX/XXXX. I had not received any notice regarding this so it was a surprise. We still do not know why the date was pushed out. On XX/XX/XXXX we did a three way call which consisted of me, XXXX and XXXX XXXX from ALLY. She informed us that NONE of the documents we had sent were in their system. She said we would have to send everything again. I was so upset. I kept asking her questions and she couldn't answer one single question. I asked to speak with a supervisor and she said this was not possible but that a supervisor would call me back within 24 to 48 hours. I waited all day XX/XX/XXXX and XX/XX/XXXX and no call ever came. I have screenshots of all my calls during this time and they did NOT call me. A supervisor, to this day ( XX/XX/XXXX, ) has never called me back. XXXX sent all of my documents again on XX/XX/XXXX. I received a letter in the mail from ALLY on XX/XX/XXXX dated XX/XX/XXXX, that states they are still missing several documents. This company has now lost all of my documents that were ( rejected XX/XX/XXXX ) sent again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The missing documents have been sent. On XX/XX/XXXX my phone rang at XXXX. I answered the call and it was ALLY. The person on the line was XXXX XXXX agent number XXXX. This was NOT a supervisor. Just a collection agent who couldn't help me. She tried telling me that she couldn't talk to me unless I verified which two accounts my prior payments had been sent from. I couldn't understand why she would need to know that. She said because it's a HELOC, she has to verify more than just my name, address, social security number, etc .... I told her my loan is NOT a HELOC and that it's a home ownership accelerator. She said she had never heard of that. I proceeded to tell her that the reason for my delinquency was mainly because of fraudulent payment ommissions and miscalculations of payments. She said that I had to contact XXXX and XXXX because ALLY didn't take over my loan until XXXX. She said that XXXX would be impossible to reach so \" good luck ''. I informed her that since they now own my loan, they will have access to all of the information attached to my loan since its inception. I told her I wrote and asked for verification of my payments and calculation of my payments when I sent my hardship letter in on several different occasions. She said she didn't see those documents in her system. I told her they had FIVE Days to acknowledge receipt of my request ( this has not happened ). She said that documents get lost all of the time and I would just have to continue sending them. ( THIS IS RECORDED ON HER END SO YOU CAN VERIFY ALL OF THIS ). I was absolutely floored when she told me that they lose documents all the time. I believe they are trying to prevent me from getting my loan modified by losing my paperwork and telling me requirements that aren't true. That's unethical and not acceptable. XXXX XXXX did tell me that she would put in a request for verification of my payments made and calculation of my payments. In addition to the fraud, I also told her that my delinquency was due to financial hardship. I told her that we had sent in ALL of the documents that had been asked for and she said she would email the loss mitigation department to find out why they are still saying I have missing documents. XXXX called ALLY again in the afternoon of XX/XX/XXXX. She wanted to follow up with them regarding my conversation with XXXX XXXX. She was informed that the request for verification had been sent but they also told XXXX they have received the missing documents ( XX/XX/XXXX ) ; but will not accept my documents because I have redacted a portion of my bank statements and my taxes are expired. According to the letter I received from them, they only need to see my deposits. That is what I provided. They also said to provide my most current filed tax return ( which it's XXXX ). I filed my tax returns on XX/XX/XXXX. They want me to provide the extension I filed for this year. I have done taxes for 33 years and I know for a FACT that I do NOT have to file an extension unless I owe taxes. And even then, I have until XX/XX/XXXX of XXXX to file my tax return regardless of if I filed an extension or not. IF I owed taxes, I technically don't have to file an extension but I would be penalized higher for not filing an extension ; BUT if I don't owe taxes, I am not legally obligated to file an extension. HOWEVER ; their letter states that either tax returns OR bank statements are necessary. I DO NOT TRUST them. I DO NOT want them having my bank account information. I sent them my bank statements with my deposits listed but my debits and my account number redacted. I also sent them my XXXX, XXXX, XXXX statements. They do NOT need to see my debits, they only need to see my deposits. That is what their letter asks for. They are also trying to say I have to include my ex-husband on my modification application since his name is still tied to my home loan. He has not lived her since XXXX. My divorce decree from XXXX states that the judge grants me as sole owner of my home. My ex is obsessed with me and since he was abusive, I have had ZERO contact with him since I kicked him out in XXXX. He only lived here from XXXX to XXXX. I know that ALLY can modify my loan without him. I have been the sole person who has made 100 % of the payments since day number one. In fact, once my payments are credited properly, I shouldn't have much of a balance left at all. In addition to everything that has happened. My mail carrier forged my name on some Certified Letters from the attorney handling this foreclosure. I filed a complaint with the postmaster in my home town. Both the carrier and the postmaster have tried to cover up this fraud. I have a witness that wrote a sworn statement regarding the carrier never exiting their vehicle on the day in question. The postmaster said their GPS tracking system shows the carrier never exited their vehicle AND ... ..NOBODY was home when the mail carrier forged my name and left the certified letters in my mailbox. I did not want these letters and I had never gone to the post office to pick them up in the past when the notice was left in my mailbox. I'm sure that a letter carrier forging my name comes with some pretty serious implications. I'm pretty certain this is a federal offense. Now the attorney who sent those letters \" THINKS '' I have received them and read them. I still have not opened them. I will also be filing a complaint with the postmaster General. I asked my local postmaster what the update was today. He said he would find time last week to speak with the carrier after I sent him the sworn statement from a neighbor. He has yet to reply. Me trying to get this straightened out is not due to lack of trying, it is due to incompetency and lack of follow up from XXXX, XXXX, XXXX  and ALLY. I am a female, self employed entrepreneur, and I raised my children all by myself without any help at all. I have been self-employed since XXXX. I work hard 24/7. I have never depended on a man ( or anyone else ) to help me financially. I have experienced GREAT success but also financial hardships. I refuse to lose my home because my interest rate and my payments were never calculated or applied correctly. I am so tired of this corruption and incompetency. I have PROOF of every thing I have said in this statement. I can back everything up. I do not have much time because my foreclosure has been rescheduled to XX/XX/XXXX. It was previously scheduled for XX/XX/XXXX, then XX/XX/XXXX. It keeps getting pushed out. \n\nYesterday ( XX/XX/XXXX ) I received a notice from CFPB.. That notice was from XXXX who acquired XXXX. In their statement, they claim they have no record of my mortgage. They want me to provide them with information regarding my mortgage. I am not going to make their job easy. They sent me emails, and also reported my mortgage to the credit bureau so they should absolutely have record of it. The fact that they can't find record of it is very concerning. This just goes to show that they must not have record of all the payments I made to them. \n\nI spoke with my housing counselor today. She informed me that she spoke with ALLY yesterday ( XX/XX/XXXX ) and was told that they closed my loss mitigation application but could not provide a reason why. My counselor was told that I have to begin the process all over again. They told me to call on Friday and ask why it's closed. This level of incompetency is unacceptable. They need to be investigated for fraud and be shut down for incompetency. \n\nXXXX XXXX","date_sent_to_company":"2022-06-29T19:19:03.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"83634","tags":null,"has_narrative":true,"complaint_id":"5722407","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2022-06-29T18:51:06.000Z","state":"ID","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 am now discovering that the reason XXXX wanted my ( now ex-husband ) on my home loan is so they could increase my <em>balance</em> as high as possible so they could get a higher commission. I told them I did not want my <em>balance</em> to be that high, but they insisted it would be better in the long run. Since my very first <em>mortgage</em> payment in XXXX, the interest <em>calculated</em> on my account has been inaccurate. My loan was immediately sold to GMAC XXXX."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Other type of <em>mortgage</em>"]},"sort":[8.527282,"5722407"]},{"_index":"complaint-public-v1","_id":"17075987","_score":8.265259,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"SYSTEMATIC FAIR CREDIT REPORTING ACT VIOLATIONS- COMPLETE FILE FAILURE, INCONSISTENT REPORTING, AND IMPROPER DISPUTE INVESTIGATIONS DISCOVERY AND TIMELINE : XX/XX/XXXX : I obtained my tri-merge credit report and discovered severe systematic violations of the Fair Credit Reporting Act affecting all three credit bureaus and numerous creditors. \n\nXXXX XXXX : I sent certified mail dispute letters to TransUnion, Experian, and Equifax detailing specific errors on multiple accounts. I included supporting documentation ( payment records, account statements, loan modification notices, identity theft affidavits ). I requested XXXX of XXXX documentation for all disputed accounts. I also sent debt validation requests under FDCPA Section 809 ( b ) to collection agencies and information requests to furnishers under FCRA Section 623 ( a ) ( 2 ). \n\nXX/XX/XXXX : All three credit bureaus sent generic form letters stating disputes were \" investigated '' and information was \" verified as accurate. '' However, no XXXX of XXXX documentation was provided, no specific explanation of verification procedures was given, and many accounts still show \" consumer disputes after resolution '' or \" subscriber reports dispute resolved - consumer disagrees '' proving investigations were inadequate. XXXX agencies did not respond to debt validation requests within the required XXXX days. Furnishers did not respond to information requests. \n\nVIOLATION XXXX XXXX - TRANSUNION COMPLETE FILE FAILURE ( MOST CRITICAL ) : TransUnion credit report shows : - Total accounts : XXXX - Credit score : \" Can not be calculated '' - Open accounts : XXXX - Closed accounts : XXXX - All data fields : Empty or \" none reported '' Meanwhile, for the same person on the same date : - Experian shows : XXXX total accounts, XXXX open, XXXX closed, balances totaling {$640000.00} - Equifax shows : XXXX total accounts, XXXX open, XXXX closed, balances totaling {$640000.00} This complete file failure violates FCRA Sections 607 ( a ), 602, and 15 USC 1681e ( b ). I have extensive credit history dating to XXXX including mortgages, credit cards, auto loans, and other accounts. TransUnion 's complete failure to maintain my file prevented me from refinancing my mortgage in XX/XX/XXXX ( estimated cost : {$12000.00} in higher interest over loan term ). I can not obtain accurate tri-merge credit scores required by most lenders. This is not a minor error but complete systemic failure. \n\nVIOLATION XXXX XXXX - INCONSISTENT MULTI-BUREAU REPORTING : XXXX XXXX  XXXX  ( Primary Mortgage - Balance {$440000.00} ) : - TransUnion : NOT REPORTED AT ALL - Experian : Balance {$440000.00}, Payment {$4000.00}, Late XXXX  Days, Past Due {$15000.00}, Last Payment XX/XX/XXXX - Equifax : Balance {$440000.00}, Payment {$4000.00}, Late XXXX  Days, Past Due {$15000.00}, Last Payment XX/XX/XXXX Account opened XX/XX/XXXX. Experian and Equifax show different last payment dates ( XX/XX/XXXX vs XX/XX/XXXX ), and account is completely missing from TransUnion. Violates FCRA Section 623 ( a ) ( 1 ). \n\nXXXX XXXX  ( Balance {$34000.00} ) : - TransUnion : NOT REPORTED AT ALL - Experian : Balance {$34000.00}, High Balance {$34000.00}, Late XXXX  Days, Past Due {$5800.00} - Equifax : Balance {$34000.00}, High Balance {$27000.00}, Late XXXX  Days, Past Due {$5800.00} Account opened XX/XX/XXXX. Different high credit limits ( {$34000.00} vs {$27000.00} ), different late payment classifications ( XXXX  days vs XXXX  days ), and missing from TransUnion. Violates FCRA Section 623 ( a ) ( 1 ). \n\nXXXX XXXX  ( XXXX {$22000.00} ) : - TransUnion : NOT REPORTED AT ALL - Experian : Charge-off {$22000.00}, Date of Last Activity XX/XX/XXXX, Last Payment XX/XX/XXXX - Equifax : Charge-off {$22000.00}, Date of Last Activity XX/XX/XXXX, Last Payment XX/XX/XXXX Account opened XX/XX/XXXX, original amount {$30000.00}. Different dates across bureaus and completely missing from TransUnion. Violates FCRA Section 623 ( a ) ( 1 ). \n\nXXXX XXXX XXXX XXXX XXXX ( Home Equity - Balance {$57000.00} ) : - TransUnion : NOT REPORTED AT ALL - Experian : Balance {$57000.00}, Late XXXX  Days, Past Due {$1500.00}, Last Payment XX/XX/XXXX - Equifax : Balance {$57000.00}, Late XXXX  Days, Past Due {$1500.00}, Last Payment XX/XX/XXXX Account opened XX/XX/XXXX. Different last payment dates and missing from TransUnion. \n\nPATTERN : Major creditors systematically report to only XXXX or XXXX bureaus while TransUnion shows XXXX accounts, creating wildly inconsistent credit profiles that do not accurately reflect my credit history. \n\nVIOLATION XXXX XXXX - IMPROPER DISPUTE INVESTIGATIONS : XXXX ( Charge-off {$41000.00} ) : - Experian : Balance {$41000.00}, High Balance {$41000.00}, Date of Last Activity XX/XX/XXXX, Shows \" Subscriber reports dispute resolved - consumer disagrees '' - Equifax : Balance {$41000.00}, High Balance {$12000.00}, Date of Last Activity XX/XX/XXXX, Shows \" Account disputed '' and \" Consumer disputes after resolution '' Account opened XX/XX/XXXX. The notation \" consumer disagrees '' after \" dispute resolved '' proves investigation was inadequate. I provided documentation showing unauthorized charges totaling approximately {$28000.00}, identity theft report filed in XXXX, proof I was out of country when charges occurred, and requested transaction-level documentation. Bureaus report different high balances ( {$41000.00} vs {$12000.00} - a {$28000.00} difference ) and different dates of last activity ( XX/XX/XXXX vs XX/XX/XXXX - XXXX  months apart ), proving neither properly verified information. No XXXX of XXXX documentation was provided. Violates FCRA Sections 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( B ) ( i ), 611 ( a ) ( 7 ). \n\nXXXX ( XXXX {$26000.00} ) : - Experian : Balance {$26000.00}, Shows \" Account not disputed '' yet also states \" dispute resolved/Consumer disagrees '' ( contradictory ) - Equifax : Balance {$26000.00}, Shows \" Account disputed '' and \" Consumer disputes after resolution '' Account opened XX/XX/XXXX. Experian shows contradictory dispute statuses proving poor recordkeeping. Different dates of last activity ( XX/XX/XXXX vs XX/XX/XXXX ). I disputed because charges were made after I closed account, XXXX XXXX failed to honor closure request, many charges were unauthorized. I requested transaction-level documentation - never provided. No XXXX of XXXX documentation provided. Violates FCRA Sections 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( B ). \n\nXXXX AUTHORIZED USER ACCOUNT ( Balance {$0.00}, Paid, Closed ) : - Equifax only XXXX Shows \" Consumer disputes after resolution '' Account opened XX/XX/XXXX, high balance {$3000.00}. Even a PAID, CLOSED authorized user account shows unresolved dispute. I disputed because I never authorized being added as authorized user - account holder used my information without permission. This should be removed as identity theft. Equifax marked \" resolved '' without removing account or explaining why they believe I authorized this. Demonstrates systematic failure to properly investigate. \n\nXXXX XXXX XXXX XXXX XXXX ( Home Equity {$57000.00} ) : - Experian : Shows \" Subscriber reports dispute resolved - consumer disagrees '' - Equifax : Shows \" Consumer disputes after resolution '' I disputed because late payments were reported during loan modification review period. Documentation shows : Applied for modification XX/XX/XXXX, servicer instructed me to stop payments during review, modification denied XX/XX/XXXX, payments resumed immediately. Servicer should not have reported late payments during protected review period per CFPB guidance. Both bureaus marked \" resolved '' without obtaining modification documentation from servicer, verifying whether I was properly instructed to stop payments, or determining whether late payment reporting during modification review was proper. \" Consumer disagrees '' notation proves dispute not actually resolved. Violates FCRA Sections 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ) and 12 CFR 1024.41. \n\nXXXX XXXX  ( Balance {$0.00}, Paid, Closed XX/XX/XXXX ) : - Experian : Shows \" Subscriber reports dispute resolved - consumer disagrees '' - Equifax : Shows \" Account disputed '' and \" Consumer disputes after resolution '' High balance {$1000.00}. Even though paid in full and closed, shows unresolved dispute. I disputed PAYMENT HISTORY because it inaccurately showed late payments during XXXX when I always paid on time. Both bureaus marked \" resolved '' without correcting inaccurate payment history and without XXXX XXXX XXXXXXXX documentation showing they verified payment history. Demonstrates bureaus only verify current balance/status, not detailed payment history that impacts credit scores. \n\nPATTERN : XXXX separate accounts show identical pattern - \" dispute resolved '' immediately followed by \" consumer disagrees '' or \" consumer disputes after resolution, '' no XXXXXXXX XXXX XXXX documentation provided, no specific explanation of what was verified or who verified it, generic form letters only. This proves credit bureaus are not conducting genuine investigations. They contact furnishers and accept whatever response is provided without reviewing specific documentation I provided, requesting detailed verification, making independent assessment of accuracy, or providing investigation results including XXXXXXXX XXXX XXXX. Violates FCRA Sections 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 2 ), 611 ( a ) ( 5 ) ( B ) ( i ), 611 ( a ) ( 7 ), 15 USC 1681i ( a ) ( 6 ), and 12 CFR 1022.43. \n\nVIOLATION XXXX XXXX - DUPLICATE AND QUESTIONABLE COLLECTION ACCOUNTS : XXXX  vs XXXX XXXX XXXX ( APPARENT DUPLICATE ) : XXXX  ( Equifax only ) : - Account number ending XXXX - Amount : {$13000.00} - Date Opened : XX/XX/XXXX - Original Creditor : XXXX XXXX. \n- Status : Derogatory, Open, Late XXXX  Days - Shows \" Consumer disputes this account information '' XXXX XXXX XXXX ( Experian only ) : - Account number ending XXXX - Amount : {$13000.00} - Date Opened : XX/XX/XXXX - Original Creditor : XXXX XXXX. \n- Status : Derogatory, Closed, Collection/Chargeoff - Shows \" Customer disputed account - reported by subscriber '' IDENTICAL account numbers, amounts, dates, and original creditor. Related company names. This is either duplicate reporting of same debt violating FCRA accuracy requirements OR same collection agency using different names across bureaus to avoid detection. Additionally, {$13000.00} is approximately 32 % of the XXXX charge-off balance of {$41000.00}, suggesting this may be partial settlement or portion of that debt. I sent debt validation requests under FDCPA Section 809 ( b ) to both entities in XX/XX/XXXX requesting proof they own/are authorized to collect debt, chain of custody from XXXX, original account documentation, explanation of whether these are same debt, and itemized accounting. As of XX/XX/XXXX ( over XXXX  days later ), XXXX entity responded. Violates FCRA Section 623 ( a ) ( 1 ) ( A ), FDCPA Sections 809 ( b ), 807 ( 2 ) ( A ), 807 ( 10 ). \n\nXXXX XXXX XXXX - XXXX QUESTIONABLE ACCOUNTS : ACCOUNT XXXX ( Experian only, ending XXXX ) : - Original Creditor : XXXX XXXX XXXX- Date Opened : XX/XX/XXXX - Original Amount : {$3000.00} - Collection Amount : {$3600.00} ( 21 % increase = {$630.00} ) - Description : \" Responsible in Case of Default '' ACCOUNT XXXX ( Experian only, ending XXXX ) : - Original Creditor : XXXX XXXX XXXX- Date Opened : XX/XX/XXXX ( just XXXX  months after Account XXXX ) - Original Amount : {$3500.00} - Collection Amount : {$4200.00} ( 21 % increase = {$740.00} ) - Description : \" Responsible in Case of Default '' ACCOUNT XXXX ( Equifax only, ending XXXX ) : - Original Creditor : XXXX  XXXX- Date Opened : XX/XX/XXXX - Amount : {$74.00} VIOLATIONS : BALANCE INFLATION : Both XXXX accounts show 21 % increases ( {$630.00} and {$740.00} ) without documentation of authorized interest or fees. Violates FDCPA Section 808 ( 1 ) and FCRA Section 623 ( a ) ( 1 ). \n\nPOTENTIAL DUPLICATE OR RE-AGING : XXXX collection accounts from same original creditor ( XXXX XXXX XXXX ) opened just XXXX  months apart with similar amounts suggests same debt reported XXXX  or improperly re-aged to restart XXXX reporting period. Violates FCRA Section 623 ( a ) ( 1 ) ( A ), FDCPA Section 807 ( 2 ) ( A ), FCRA Section 605 ( a ) ( 4 ).\n\nQUESTIONABLE OWNERSHIP : Both show \" Responsible in Case of Default '' suggesting I may have been guarantor, not primary account holder. XXXX XXXX XXXX is merchant payment processor. I never operated business requiring merchant processing, never opened XXXX accounts, never agreed to be guarantor on anyone 's XXXX account. If these are business debts or I was only guarantor, reporting on personal credit violates FCRA accuracy requirements. \n\nNO DEBT VALIDATION : XX/XX/XXXX, I sent certified debt validation requests to XXXX XXXX XXXX for all three accounts under FDCPA Section 809 ( b ) requesting : proof they own/are authorized to collect, copy of original agreements, itemized accounting showing how balances increased, verification I was primary account holder not guarantor, documentation proving XXXX XXXX accounts are separate debts not duplicates, complete chain of custody. As of XX/XX/XXXX ( over XXXX  days ), no response received. Under FDCPA Section 809 ( b ), they must cease collection activities until validation provided. By continuing to report without providing validation, they violate FDCPA. \n\nSELECTIVE REPORTING : All XXXX  accounts reported to ONLY XXXX BUREAU EACH ( XXXX to Experian, XXXX to Equifax, none to TransUnion ). This creates inconsistent profiles, suggests forum shopping ( picking bureaus less likely to investigate ), helps avoid detection of duplicate/inflated debts, and is suspicious combined with TransUnion 's XXXX file failure. \n\nXXXX  XXXX  : {$74.00} amount is suspicious- extremely small ( agencies typically don't pursue under {$100.00} ), no recollection of owing this, may be billing dispute from policy cancellation, no validation provided despite request. If XXXX referred to collections without proper final billing and opportunity to dispute, violates state insurance regulations and FDCPA Section 809 ( a ). \n\nPATTERN : All XXXX collection accounts ( XXXX XXXX + XXXX XXXX XXXX + XXXX XXXX  ) show identical pattern - reported to only XXXX bureau each, no debt validation despite written requests, questionable ownership/inflated balances/duplicate reporting, showing \" Account not disputed '' despite my validation requests. Total questionable collection debt : {$21000.00}. Violates FDCPA Sections 809 ( b ), 808 ( 1 ), 807 ( 2 ) ( A ), 807 ( 10 ) and FCRA Sections 623 ( a ) ( 1 ), 605 ( a ) ( 4 ). \n\nVIOLATION XXXX XXXX - ADDITIONAL INCONSISTENCIES : XXXX CHARGE ACCOUNT ( Equifax only, ending XXXX ) : Balance {$3400.00}, opened XX/XX/XXXX, creditor type \" Television/Radio Sales and Service, '' Late XXXX  Days XXXX times over XXXX  years, last payment XX/XX/XXXX. I never opened account with television/radio sales company. May be identity theft or fraudulent account. Disputed with identity theft documentation. Equifax failed to properly investigate. Reported ONLY to Equifax ( suspicious for legitimate creditor ). \n\nFINANCIAL HARM : XX/XX/XXXX : DENIED for mortgage refinancing due to inaccurate credit information, TransUnion file failure preventing tri-merge score, and unresolved disputed accounts showing as derogatory. ESTIMATED COST : {$12000.00} in higher interest over remaining loan term. \n\nUNABLE to consolidate high-interest debt due to credit score suppression from inaccurate negative accounts and inconsistent reporting preventing accurate creditworthiness assessment. ESTIMATED COST : {$3600.00} annually in excessive interest charges. \n\nDENIED for credit cards with promotional 0 % APR offers. ESTIMATED COST : {$1200.00} annually in lost balance transfer savings. \n\nSPENT over XXXX hours attempting to resolve : preparing detailed dispute letters with documentation, researching FCRA/FDCPA requirements, making phone calls to bureaus ( all ineffective ), organizing documents, tracking responses. TIME VALUE : XXXX XXXX. \n\nEMOTIONAL DISTRESS from anxiety about inaccurate credit information, frustration with ineffective dispute process, stress about inability to refinance home, concern about identity theft and fraudulent accounts. \n\nTOTAL QUANTIFIABLE HARM : $ XXXX annually. \nTOTAL UNVALIDATED COLLECTION DEBT DAMAGING CREDIT : {$21000.00}. \n\nREQUESTED ACTION : INVESTIGATE systematic FCRA and FDCPA violations by TransUnion, Experian, Equifax, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nREQUIRE TRANSUNION TO immediately restore complete credit file, calculate credit score, explain failure, implement prevention procedures, and pay damages. \n\nREQUIRE ALL BUREAUS TO conduct proper reinvestigations with actual verification, provide Method of Verification documentation, delete unverifiable information, ensure consistent reporting across all three bureaus, and implement better dispute procedures beyond form letters. \n\nREQUIRE FURNISHERS TO report accurately and consistently to all three bureaus, properly investigate consumer disputes, provide complete documentation when requested, correct or delete inaccurate information, and stop selective reporting. \n\nREQUIRE COLLECTION AGENCIES TO provide complete debt validation or delete accounts, stop balance inflation without authorization, stop duplicate reporting, stop using different company names for same debts, and cease selective single-bureau reporting. \n\nTAKE ENFORCEMENT ACTION including civil penalties for willful violations, require systemic changes to dispute procedures, monitor compliance, and publish findings to deter future violations. \n\nAWARD APPROPRIATE RELIEF including actual damages for mortgage denial and higher interest costs ( $ XXXX ), statutory damages up to {$1000.00} per violation under FCRA Section 616, punitive damages for willful violations under FCRA Section 617, and attorney 's fees under FCRA Section 616 ( a ) ( 3 ). \n\nENSURE IMMEDIATE CORRECTIONS : TransUnion file restoration within XXXX  days, all disputed accounts reinvestigated with Method of Verification within XXXX  days, all unvalidated collections deleted within XXXX  days, consistent reporting across all bureaus within XXXX  days. \n\nLEGAL BASIS : Filed under Fair Credit Reporting Act ( 15 USC 1681 et seq. ), Fair Debt Collection Practices Act ( 15 USC 1692 et seq. ), CFPB Regulations ( XXXX XXXX XXXX et seq. ), and XXXX ( XXXX XXXX XXXX et seq. ). I reserve all rights to pursue private legal action under FCRA Sections 616-617, FDCPA Section 813, state consumer protection laws, and state unfair/deceptive practices statutes. \n\nCONCLUSION : This represents systematic, willful violations of federal consumer protection laws by multiple entities. The pattern demonstrates : ( XXXX ) complete systemic failure by TransUnion to maintain credit file, ( XXXX ) inadequate \" rubber stamp '' investigations by Experian and Equifax, ( XXXX ) selective reporting by furnishers to manipulate credit profiles, ( XXXX ) unvalidated collection accounts with inflated balances, ( XXXX ) duplicate reporting of same debts under different names, ( XXXX ) refusal to provide required documentation, and ( XXXX ) consistent pattern of marking disputes \" resolved '' when consumer still disagrees. These violations caused significant financial harm and prevented access to accurate credit information - a fundamental right under FCRA Section 602. I exhausted all reasonable attempts to resolve directly with companies. They consistently failed to comply with FCRA and FDCPA requirements. CFPB investigation and enforcement action is necessary to correct violations, compensate for harm, deter future violations through penalties, and protect other consumers from similar systematic violations. I request immediate action on TransUnion 's complete file failure while conducting thorough investigation of all other violations.","date_sent_to_company":"2025-11-06T19:32:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33175","tags":"Servicemember","has_narrative":true,"complaint_id":"17075987","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-06T19:02:59.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Different dates across bureaus and completely <em>missing</em> from TransUnion. Violates FCRA Section 623 ( a ) ( 1 ). \n\nXXXX XXXX XXXX XXXX XXXX ( Home Equity - <em>Balance</em> {$57000.00} ) : - TransUnion : NOT REPORTED AT ALL - Experian : <em>Balance</em> {$57000.00}, Late XXXX  Days, Past Due {$1500.00}, Last Payment XX/XX/XXXX - Equifax : <em>Balance</em> {$57000.00}, Late XXXX  Days, Past Due {$1500.00}, Last Payment XX/XX/XXXX Account opened XX/XX/XXXX. 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