{"took":292,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":67,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18391218","_score":19.553299,"_source":{"product":"Mortgage","complaint_what_happened":"Earlier in the year I became sick to the point that I was unable to work. I have had XXXX XXXX, have spent about a month in the hospital combining the dates that I had been admitted plus several months at home in pain and recovering. I was not able to keep up with my mortgage payments. I spoke with SP Servicing multiple times attempting to get approval for a loan modification due to my health hardship to get my loan current, lower my interest rate of 7.75 %, extend the term of the loan thus lowering my monthly payment without success. \nI have communicated to SP Servicing the great news that I have been recovering from my illnesses and that I now have a good job that will enable me to make my mortgage payments without any issues. THAT NOW i just need help with the past due balance on my account to be able to keep it paid current. But they have dismissed all of my requests notifying me of their decisions of denial with a very short time period left to a foreclosure date that they set. \n\nIn addition, they have added many large fees to my balance making it even harder to come up with the lump sum to catch up my payments. On the notices they have issued denying all kinds of assistance and relief the straight out stated that they did not even review my applications. \n\nI need help reaching the right person that has the will and ability to help me set my mortgage account straight and to put an end to the foreclosure nightmare.","date_sent_to_company":"2025-12-31T08:43:31.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"78213","tags":null,"has_narrative":true,"complaint_id":"18391218","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2025-12-31T08:38:50.000Z","state":"TX","company_public_response":null,"sub_issue":"Foreclosure"},"highlight":{"complaint_what_happened":["Earlier in the year I became sick to the <em>point</em> that I was unable to work. I have had XXXX XXXX, have spent <em>about</em> a month in the hospital combining the dates that I had been admitted plus several months at home in <em>pain</em> and recovering. I was not able to keep up with my <em>mortgage</em> payments."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[19.553299,"18391218"]},{"_index":"complaint-public-v1","_id":"2310421","_score":17.86237,"_source":{"product":"Mortgage","complaint_what_happened":"I mailed my mortgage payment to PennyMac Loan Services on XXXX XXXX, XXXX ( I have proof of doing so ), but my payment was not credited to my account until XXXX XXXX, XXXX, the day after the payment is considered late. PennyMac has in the past credited my payment later than the day that it was received. I know this because I have sent some past payments by certified mail and I saw that, on occasion, PennyMac did not provide a credit to my account on the day the payment was received. \nThis is not the first time that I have filed a formal complaint against PennyMac with CFPB regarding this same issue. I also filed a complaint on XXXX XXXX, XXXX. On that occasion, I had mailed my payment to PennyMac on XXXX XXXX, XXXX, and PennyMac did not credit it until the day that I filed the complaint on XXXX XXXX, XXXX. \nAt this point, I think that this is a pattern of behavior for PennyMac. When I called PennyMac yesterday to complain about my payment being credited late, they immediately started encouraging me to pay my mortgage in other ways ( such as electronic payments ). My impression is that they would rather I use another method to make my payments instead of mailing in a check every month. \nThis would all appear to be extremely unscrupulous. At this point, I want PennyMac to sell my loan to a company that will fairly credit my payments in a timely manner as required by law. I have never had a late mortgage payment and it is a pain in the neck to have to take extra measures to be able to prove that I mailed in my mortgage payment on time every month. \nOn this occasion, PennyMac did not credit my payment to my account until 12 days after I mailed it, then they charged a late fee to my account. When I asked the customer service representative why they did not credit my account in a timely fashion, she said the same thing that they said 2 years ago : We had bad weather across the country and it held up the mail. She even said that they had trouble getting to their lockbox even though it is in XXXX, Texas. \nThe bottom line is that this is the second time that I have submitted a formal complaint to CFPB about this practice at PennyMac. It is a heavy burden to write a large check every month for my mortgage and not know whether I will receive the credit that I am supposed to receive under law. At this point, it is clear that this is not an isolated incident with PennyMac. I will enclose an official Certificate of Mailing from the U.S. Postal Service showing that I mailed my payment on XXXX XXXX, XXXX, as I previously stated. \nIt is completely unreasonable that PennyMac credited my payment a full 12 days after I mailed it. Whenever I have sent my payment using Certified Mail, it usually arrives at PennyMac in 3 days. Occasionally, it takes 4 days but never more than that. It is obvious that PennyMac has not credited my account in a timely manner and this is the second time that this has happened. This is a pattern and they should sell my loan to a company that will credit my account on the day that they receive the payment as is required by law.","date_sent_to_company":"2017-01-25T14:21:05.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional fixed mortgage","zip_code":"20721","tags":null,"has_narrative":true,"complaint_id":"2310421","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2017-01-25T14:21:04.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["At this <em>point</em>, I want PennyMac to sell my <em>loan</em> to a company that will fairly credit my payments in a timely manner as required by law. I have never had a late <em>mortgage</em> payment and it is a <em>pain</em> in the neck to have to take extra measures to be able to prove that I mailed in my <em>mortgage</em> payment on time every month. \nOn this occasion, PennyMac did not credit my payment to my account until 12 days after I mailed it, then they charged a late fee to my account."],"product":["<em>Mortgage</em>"],"issue":["<em>Loan</em> servicing, payments, escrow account"],"company":["PENNYMAC <em>LOAN</em> SERVICES, LLC."],"sub_product":["Conventional fixed <em>mortgage</em>"]},"sort":[17.86237,"2310421"]},{"_index":"complaint-public-v1","_id":"9972491","_score":17.748713,"_source":{"product":"Mortgage","complaint_what_happened":"I have a FHA Loan with Loan Depot after refinancing with them a year ago, I have not been working for the last XXXX  months due to a serious health issue. I was unable to make my XXXX and XXXX payments as a result. \n\nI called Loan Depot XXXX on XX/XX/XXXX ( after a flyer was left on the entrance to my XXXX threatening foreclosure ), specifically to request forbearance. I spoke to a male XXXX who took all my credit information, income expenses and informed that I have to be XXXX  days past due for this to be put in place, but assured me that they had all in formation they needed to proceed. He never made it clear that I have to call back on or after day XXXX. \n\nI have received numerous phone calls and letters since then. My XXXX and XXXX call happened to be to be same person, who is very petty, vindictive, unprofessional and needs to be retrained. She made a point if telling she is the one I spoke to before, reading her useless notes about me hanging up on her, but nothing about me explaining that I just had XXXX was in pain, as she kept repeating everything I already gone over only to tell me had to call back on XX/XX/XXXX, as that would be day XXXX. \n\nI called back on Saturday XX/XX/XXXX, as the XXXX was only day XXXX, knowing full well their offices would be closed on Saturday. I believe this was done on purpose and I need these people to be disciplined for their blatant disrespect and mistreatment of their customers. I had a relative who had everything taken care on the first call to their mortgage company, there is something very wrong here and needs to be addressed.","date_sent_to_company":"2024-09-01T02:11:49.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"06095","tags":null,"has_narrative":true,"complaint_id":"9972491","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LD Holdings Group, LLC","date_received":"2024-09-01T01:36:53.000Z","state":"CT","company_public_response":null,"sub_issue":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu"},"highlight":{"complaint_what_happened":["She made a <em>point</em> if telling she is the one I spoke to before, reading her useless notes <em>about</em> me hanging up on her, but nothing <em>about</em> me explaining that I just had XXXX was in <em>pain</em>, as she kept repeating everything I already gone over only to tell me had to call back on XX/XX/XXXX, as that would be day XXXX. \n\nI called back on Saturday XX/XX/XXXX, as the XXXX was only day XXXX, knowing full well their offices would be closed on Saturday."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[17.748713,"9972491"]},{"_index":"complaint-public-v1","_id":"3237378","_score":17.666103,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My complaint is harassment  and penalizing  treatment by Midland Mortgage aka Midfirst Mortgage aka Midland Bank, incorrect information reported to credit reporting agencies, misuse of escrow funds, over charges of escrows, forced insurance purchase, not abiding by established mortgage terms after purchase of loan from XXXX XXXX. \n\nXXXX XXXX XXXX Midland Mortgage purchased my mortgage from XXXX XXXX. Hurricaine Florence hit XXXX XXXX my area was declared a disaster area by FEMA and the President. I requested a deferment from XXXX, and was granted a via letter dated XXXXforbearance thru XX/XX/XXXX w/ my loan being current the next payment due XX/XX/XXXX for a total of 3 payments. Immediately upon being notified of the new mortgage servicer Midland I contacted them early XX/XX/XXXX and sent copy of the granted forbearance. From that point I have received countless letters stating I was delinquent despite the approved deferment/forebearance. They sent me a letter on or about XX/XX/XXXX my wind and hail ( extra insurance NOT REQUIRED by XXXX ) was expired. That Midland purchased w/my escrows Wind and Hail from their Ins. Co., ( Force Purchase, Midland a party to a past class action suit force purchasing Ins. for homeowners ) I on XXXX XXXX XXXX provided proof of Wind and Hail I purchased good thru XX/XX/XXXX and was paying for in good standing. This forcing Midland to cancel their Forced Purchase. Midland at that point Took funds from my Escrow Acct. and purchased Wind and Hail again at full price of {$1700.00} ( I was already paying for causing Duplicating payments ) ) causing my Escrows to go in arrears. They also are demanding xtra escrow above the needed balance to pay the bills. My monthly escrow payment went from {$240.00} to {$650.00}. \nMidland Mortgage pressured me to apply for a Loan Modification and sent applicable plan which increased my Mortgage Interest rate to more than 5.4 % from a 3.8 % I currently had. This would have given Midland more than {$100000.00} over the life of the loan. I refused the modification and informed Midland I would pay up what I owe n my own. I spoke w a male supervisor who threatened me if I did not accept the Modification plan that they would report to the credit reporting agencies late payments. I rebuffed and stated the previous forbearance d/t disasters should not report the forbearance as late or delinquent. I subsequently expressed Midland was unfair, harrassing  and deceptive in not explain consequences of a forbearance in my initial notification to them. I paid all owed mortgage payments w/I 3 months. and am current in my mortgage since. Midland reported to the credit agencies 90, 60 and 60 days late payment even though I pain all owed. All conversations and calls to them  have been recorded by them. I had an attorney sent a letter w/no resolution.","date_sent_to_company":"2019-05-17T13:12:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"285XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"3237378","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"MIDFIRST BANK","date_received":"2019-05-09T19:06:37.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I paid all owed <em>mortgage</em> payments w/I 3 months. and am current in my <em>mortgage</em> since. Midland reported to the credit agencies 90, 60 and 60 days late payment even though I <em>pain</em> all owed. All conversations and calls to them  have been recorded by them. I had an attorney sent a letter w/no resolution."]},"sort":[17.666103,"3237378"]},{"_index":"complaint-public-v1","_id":"5620355","_score":17.635801,"_source":{"product":"Mortgage","complaint_what_happened":"Unfortunately, I have some very disappointing news to share with you about Shellpoint Mortgage, Despite the fact that I haven't even begun my first payment yet, my loan was transferred on XX/XX/XXXX, from XXXX/NewRez to Shellpoint Mortgage I have been paying on time for 20 years and have never been late. \n\nI have experienced financial hardship due to the Covid crisis but have been able to pay my mortgage on time. I am considered to be underemployed. \n\nI wanted to take advantage of RESPA laws for the 60-day grace period to give me time to pay other expenses. My new mortgage company Shellpoint Mortgage unfortunately took the entire payment out of my account. My personal bank information was given to them without my knowledge on XX/XX/XXXX by XXXX XXXX, I spoke with XXXX on several occasions and they never disclosed that the new mortgage company will do this due to the auto bi-weekly program, XXXX told me my last payment would be on XX/XX/XXXX and I need to set up everything with the new company ( I have that voice recorded ) Initially, Shellpoint refused to waive the {$15.00} charge for insufficient funds that I put a request for without fault of my own. After speaking with the Representative at Shellpoint XXXX she informed me they will waive the charge but nothing they can do about extending the payment for XX/XX/XXXX, but my concern I have, that I was told by two Shellpoint Representatives on XX/XX/XXXX that my first monthly payment wouldn't be until XXXX for bi-weekly payments. I called to confirm this information again with another Shellpoint representative on XX/XX/XXXX and both representatives informed me, yes that information is correct the first payment due will be XX/XX/XXXX, I called today XX/XX/XXXX to follow up with the instructions for bi-weekly and discovered that my first payment is due on XXXX tomorrow, this puts me in a bind because I was told by two shell point representative my payment isn't due until XX/XX/XXXX. I initially thought the payment would have been due in XX/XX/XXXX, but after Shellpoint reversed the payment back in and replaced my account, that was the mix-up. Despite communicating with numerous Shellpoint representatives, they failed to catch that error several times. I would like my first mortgage payment to be granted for XX/XX/XXXX with a bi-weekly setup and not full payment by XX/XX/XXXX, due to a shell point representative error. I have these conversations voice recorded and documented. The pain and suffering that I've endured have triggered stress and XXXX within me.","date_sent_to_company":"2022-06-01T02:22:23.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"20744","tags":null,"has_narrative":true,"complaint_id":"5620355","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2022-06-01T02:11:20.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Unfortunately, I have some very disappointing news to share with you <em>about</em> Shellpoint <em>Mortgage</em>, Despite the fact that I haven't even begun my first payment yet, my <em>loan</em> was transferred on XX/XX/XXXX, from XXXX/NewRez to Shellpoint <em>Mortgage</em> I have been paying on time for 20 years and have never been late. \n\nI have experienced financial hardship due to the Covid crisis but have been able to pay my <em>mortgage</em> on time. I am considered to be underemployed."],"product":["<em>Mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[17.635801,"5620355"]},{"_index":"complaint-public-v1","_id":"10454296","_score":17.194906,"_source":{"product":"Mortgage","complaint_what_happened":"On XXXXer 8, 2024, I submitted an application for a deferment. Due to my wages illegally being garnished from a previous employer-I had significant income loss in XX/XX/scrub> XXXX \nI explained to the representative my intention to move the balance to the end of the loan and resume making payments in XXXX at my current monthly rate of {$850.00}. \n\nAfter I submitted my application for a deferment, I spoke with a supervisor after my point of contact who was extremely condescending and strategically deceitful by trying to reduce my standing as the home owner to XXXX. In short, XXXX XXXX, XXXX XXXX, and XXXX XXXX is trying to expedite an illegal foreclosure. \n\nWhen I explained to XXXX XXXX XXXX that I just submitted my application for a deferment \" she stated \" you can't. '' She became extremely hostile and disgruntled and tried to undermine me by making loud statements about everything \" modification '' other than my deferment application which I submitted. \n\nI am well within my rights to plan ahead for the end of my forbearance and because I did just that and planned ahead-Shell point is trying to sabotage my efforts to support the illegal foreclosure. \n\nMy father was a victim of financial fraud by Department of Veterans Affairs XXXX XXXX XXXX who has manipulated multiple systems across multiple states to try and illegally obtain my property using XXXX, NewRes and now Shellpoint corrupt mortgage company. A supervisor stated his name is on the paperwork in their system and that is why my name was updated in their system two weeks ago.\n\nThroughout the past two weeks, I have experienced the mind-altering pain of Hurricane Helen, Hurricane Milton and the malignant abuse of Authority Veterans Affairs has used to leverage the mortgage company into purposely using high-pressure, gas-lighting tactics to try and force me out of my family home, into an illegal foreclosure. \n\nPlease Assist, XXXX XXXX","date_sent_to_company":"2024-10-16T06:28:45.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"296XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10454296","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2024-10-16T05:44:27.000Z","state":"SC","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":["Throughout the past two weeks, I have experienced the mind-altering <em>pain</em> of Hurricane Helen, Hurricane Milton and the malignant abuse of Authority Veterans Affairs has used to leverage the <em>mortgage</em> company into purposely using high-pressure, gas-lighting tactics to try and force me out of my family home, into an illegal foreclosure. \n\nPlease Assist, XXXX XXXX"],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[17.194906,"10454296"]},{"_index":"complaint-public-v1","_id":"2659783","_score":17.184402,"_source":{"product":"Mortgage","complaint_what_happened":"I applied for Mortgage assistance with Carrington Mortgage for the second time on XX/XX/XXXX because my loan is in foreclosure and I am having trouble making the payment and getting the loan current. Before that I applied around XX/XX/XXXX and they came to decision and denied me because I did n't have enough income. I applied again on XX/XX/XXXX because my income changed. It 's NOW XX/XX/XXXX and I still have not had any progress with Carrington mortgage to resolve my issue. The normal process takes 30 days to reach a decision if they can help or not and I have n't got to that point yet because I 've been getting the run around. The issue I am having with them is that they keep asking for the same paperwork and documentation to complete their mortgage package. ( divorce decree, other borrower financial information, letters of explanation, etc. and they keep asking for a Quit claim deed from the other borrower who has no interest in the property since I was granted my divorcee. Also I was abused by the other party and there is a current OFP on file for the next 50 years that the other person can not contact me. I have talked to several employees and Supervisors about this issue and no one seems to know why they keep requesting the same information from me and keep opening and closing my file when they know my foreclosure date is approaching very soon. I have faxed, email, and uploaded everything they needed to start the process and I have not got anywhere. In Minnesota you have 7 business before the foreclosure date to submit a request for mortgage assistance and do to this issue I am concerned that I will not meet that deadline. My situation is complicated and I would like to explain in more detail in person or the telephone. Since I have started this process with Carrington mortgage I have suffered a lot of emotional stress, pain and anxiety because I have done everything I need to do to keep my home and I feel Carrington mortgage is not understanding to that. If possible I would like all the notes and phone calls pulled from them so someone can see in detail what I have been through these last 3 months. Please if you can help I would appreciate it. Thanks","date_sent_to_company":"2017-09-06T20:54:20.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"55443","tags":null,"has_narrative":true,"complaint_id":"2659783","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CARRINGTON MORTGAGE SERVICES, LLC","date_received":"2017-09-06T20:17:01.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I applied for <em>Mortgage</em> assistance with Carrington <em>Mortgage</em> for the second time on XX/XX/XXXX because my <em>loan</em> is in foreclosure and I am having trouble making the payment and getting the <em>loan</em> current. Before that I applied around XX/XX/XXXX and they came to decision and denied me because I did n't have enough income. I applied again on XX/XX/XXXX because my income changed. It 's NOW XX/XX/XXXX and I still have not had any progress with Carrington <em>mortgage</em> to resolve my issue."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"company":["CARRINGTON <em>MORTGAGE</em> SERVICES, LLC"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[17.184402,"2659783"]},{"_index":"complaint-public-v1","_id":"2907147","_score":17.176243,"_source":{"product":"Mortgage","complaint_what_happened":"This the letter I sent to our new mortgage provider We have learned that our mortgage has been sent to you and that at some point Stearns decided to send in the paperwork to foreclose on our house. \nWe have been fighting with them for two years over mis-managed payments by us for our mortgage. \nStearns says we owe {$13000.00}. \nBy our records from XX/XX/XXXX thru XX/XX/XXXX we paid {$40000.00}. \nWe owed {$44000.00}. \nTotal behind {$4000.00}. \nAnd there is an escrow of {$1700.00} They have tried to tell us on more than one occasion that we didnt have insurance, we sent proof otherwise and they have never fixed any of the issues that we spoke to them about. \nStearns Lending created escrows on our account in XX/XX/XXXX and in XX/XX/XXXX claiming we did not have insurance. Both times we had the insurance and presented proof. It took a considerable amount of time for them to realize we were correct and get rid of the escrow. They told us each time, that we needed to send them a letter stating that we wanted the escrow that was created in error, to be removed. Each time this happened it extended the amount of time of the escrows existence and made us late on payments we were making due to the incorrect information they had on file. \nThis situation also affected our credit adversely. My wife 's and my credit plummeted. They finally fixed the error and our credit went back up but never fully recovered. I have attached photo evidence to show what Stearns has done to our credit. From my conversations with XXXX at XXXX XXXX, the mortgage was never returned to the original amount as was discussed and written in a letter from Stearns after removing each of the escrows. \nA lot of pain, suffering and financial burden has occurred from what Stearns Lending has done. \nThe emotional pain has been huge. Arguments, talk of divorce, total dissension in our home. \nWe have not been able to do anything with our credit since this started in XX/XX/XXXX. We wanted to get a home equity loan to add solar, and air conditioning and lower our payments. We could not. \nAs we are fighting the claims by Stearns on how much we owe, we are falling further and further behind. \nOne reason for this is XXXX XXXX, the company Stearns sold our deed to, told us not to pay until this is resolved. \nThere have been two recent escrows created because of property taxes not being paid on time. That was caused by the state of Hawaii and filing issues that we are also currently dealing with and paperwork has been filed. \nEven with that we do not owe them nearly what they claim we do.","date_sent_to_company":"2018-05-15T19:19:53.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"96793","tags":"Servicemember","has_narrative":true,"complaint_id":"2907147","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Stearns Ventures, LLC","date_received":"2018-05-15T19:08:16.000Z","state":"HI","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":["This the letter I sent to our new <em>mortgage</em> provider We have learned that our <em>mortgage</em> has been sent to you and that at some <em>point</em> Stearns decided to send in the paperwork to foreclose on our house. \nWe have been fighting with them for two years over mis-managed payments by us for our <em>mortgage</em>. \nStearns says we owe {$13000.00}. \nBy our records from XX/XX/XXXX thru XX/XX/XXXX we paid {$40000.00}. \nWe owed {$44000.00}. \nTotal behind {$4000.00}."],"product":["<em>Mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[17.176243,"2907147"]},{"_index":"complaint-public-v1","_id":"3237510","_score":17.008339,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My complaint is harassment and penalizing treatment by XXXX XXXX aka XXXX XXXX aka XXXX XXXX, incorrect information reported to credit reporting agencies, misuse of escrow funds, over charges of escrows, forced insurance purchase, not abiding by established mortgage terms after purchase of loan from XXXX XXXX. \n\nXXXX XXXX XXXX XXXX XXXX purchased my mortgage from XXXX XXXX. Hurricaine Florence hit XXXX XXXX my area was declared a disaster area by FEMA and the President. I  requested a deferment from XXXX, and was granted a via letter datedXX/XX/XXXXforbearance thru XX/XX/XXXX w/ my loan being current the next payment due XX/XX/XXXX for a total of 3 payments. Immediately upon being notified of the new mortgage servicer XXXX I contacted them early XX/XX/XXXX and sent copy of the granted forbearance. From that point I have received countless letters stating I was delinquent despite the approved deferment/forebearance. They sent me a letter on or about XX/XX/XXXX my wind and hail ( extra insurance NOT REQUIRED by XXXX ) was expired. That XXXX purchased w/my escrows Wind and Hail from their Ins. Co., ( Force Purchase,  XXXX a party to a past class action suit force purchasing Ins. for homeowners ) I on XXXX XXXX XXXX provided proof of Wind and Hail I purchased good thru XX/XX/XXXX and was paying for in good standing. This forcing XXXX to cancel their Forced Purchase. XXXX at that point Took funds from my Escrow Acct. and purchased Wind and Hail again at full price of {$1700.00} ( I was already paying for causing Duplicating payments ) ) causing my Escrows to go in arrears. They also are demanding xtra escrow above the needed balance to pay the bills. My monthly escrow payment went from {$240.00} to {$650.00}. \nXXXX XXXX pressured me to apply for a Loan Modification and sent applicable plan which increased my Mortgage Interest rate to more than 5.4 % from a 3.8 % I currently had. This would have given XXXX more than {$100000.00} over the life of the loan. I refused the modification and informed XXXX I would pay up what I owe n my own. I spoke w a male supervisor who threatened me if I did not accept the Modification plan that they would report to the credit reporting agencies late payments. I rebuffed and stated the previous forbearance d/t disasters should not report the forbearance as late or delinquent. I subsequently expressed XXXX was unfair, harrassing and deceptive in not explain consequences of a forbearance in my initial notification to them. I paid all owed mortgage payments w/I 3 months. and am current in my mortgage since. XXXX reported to the credit agencies 90, 60 and 60 days late payment even though I pain all owed. All conversations and calls to them have been recorded by them. I had an attorney sent a letter w/no resolution.","date_sent_to_company":"2019-05-09T20:09:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"285XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"3237510","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-05-09T20:09:23.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I paid all owed <em>mortgage</em> payments w/I 3 months. and am current in my <em>mortgage</em> since. XXXX reported to the credit agencies 90, 60 and 60 days late payment even though I <em>pain</em> all owed. All conversations and calls to them have been recorded by them. I had an attorney sent a letter w/no resolution."]},"sort":[17.008339,"3237510"]},{"_index":"complaint-public-v1","_id":"3564848","_score":16.38201,"_source":{"product":"Mortgage","complaint_what_happened":"In XX/XX/XXXX I had applied for a loan modification because I had fallen behind on my mortgage. I had contacted my mortgage company PHH and told then that I've fallen behind on my payments due to an injury that I sustained and needed XXXX. This process dragged on for several months until I was told that my case has been closed. \n\nI had reapplied for the modification once again and the process is still pain staking. I've been asked to send in the same documents over and over again. The frustration has gotten even more once I've found out that one of the mortgage rep. lied to me and told me that I, had a completed modification package. This phone call had taken placed on XX/XX/XXXX at XXXX XXXX and lasted 27 minutes. The rep. told me several times \" I am looking at your package and it's stamp complete so you have nothing to worry about. '' It wasn't until I've called back several days later to get an update that I was told that I did not have a completed package. If I would have known that I didn't have a complete package I would've made a payment. Now several days later I'm 90 days past due. To make matters worst It was confirmed on XX/XX/XXXX that I had a complete package. Today ( XX/XX/XXXX ) I've called again to check my status and was told that it's still under review and that can take up to 30 days. I was told that I would need to pay 90 days of payment now. I've asked the rep. that if my account is under review could I wait until the review is over. I was told I can depending if my house is not in foreclosure. It's my understanding that if the mortgage company have a complete modification package and the modification is under review, then the can not foreclose. \n\n\" No foreclosure can be instituted until 120 days have passed from the first delinquency. More importantly, if a complete loan modification application has been submitted to the the servicer by the 120 day point, no foreclosure can be begun. Reg. X 1024.41 \" Can someone help it's been a nightmare dealing with this company. They quote is \" We're here to help home owner '' I can not see that","date_sent_to_company":"2020-03-12T22:29:28.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"078XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3564848","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2020-03-12T21:55:04.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In XX/XX/XXXX I had applied for a <em>loan</em> modification because I had fallen behind on my <em>mortgage</em>. I had contacted my <em>mortgage</em> company PHH and told then that I've fallen behind on my payments due to an injury that I sustained and needed XXXX. This process dragged on for several months until I was told that my case has been closed. \n\nI had reapplied for the modification once again and the process is still <em>pain</em> staking. I've been asked to send in the same documents over and over again."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[16.38201,"3564848"]},{"_index":"complaint-public-v1","_id":"1557351","_score":14.917897,"_source":{"product":"Mortgage","complaint_what_happened":"Ten years ago, I set up a HELOC loan as a XXXX mortgage on my home, in order to take care of emergency bills that had arisen, etc, and then with other needs over time, that amount ended up at $XXXX, which I have now been paying Interest-Only on for the past XXXX years - around $XXXX/month.  Originally, back in XX/XX/XXXX, I was going to pay off all of my debt (including the HELOC and primary mortgage) with the sale of land, for which I had committed buyers for $XXXX total, for XXXX land parcels totaling XXXX acres.  However, an administrator for XXXX County messed up my subdivision transaction, dragging me out for 2 years, and costing me XXXX of dollars.  I lost both buyers at around the 1 year mark, and then by the XXXX year mark when the County finally gave me the subdivision, the real estate market crashed.  At that point, my house was completely upside-down on just the 1st mortgage, let alone the HELOC sitting as the 2nd.  Zions Bank is the lender for the HELOC.  I didn't feel the financial pain of being upside-down until my ex-wife abandoned our marriage for another man, XXXX, and then drained me of XXXX of XXXX of dollars.  At that point, I was trying to live on a monthly deficit, so I tried to work with Zions Bank to allow a short sale --which my primary mortgage lender, XXXX, was willing to do.  But Zions refused.  They also refused to work with me on any principal reduction or modification.  Fortunately, my primary lender provided a modification program significant enough to keep me in the home, so I kept paying the approx. $XXXX/mo to Zions and didn't skip a beat.  Then, in XX/XX/XXXX, my corporate employment ended, due to our company being bought and downsized.  By the time my severance pay ended in XX/XX/XXXX, I hadn't been able to obtain a job that came anywhere near replacing my income, so I was in a more serious monthly deficit than ever before.  So, I contacted Zions Bank again to discuss the situation with them and see what they would work out with me.  They told me to fill out a Hardship Packet, so I spent hours gathering all the information, filling out the forms, etc, and submitted it.  They responded back with a denial letter, stating that my income was TOO LOW to qualify for their loan modification program!!  I was blown away -- that was the whole reason I had submitted the hardship packet in the first place.  Why would I have even approached them if my income was sufficient??!!  SO, I complained about the denial, and they said I could submit an appeal.  Which I did right away; and all they did was deny it too, on the same basis.  It was a sham.  Fast forward to this summer, when I received a letter from Zions Bank, stating that my HELOC will balloon to a payment of approximately $XXXX on XX/XX/XXXX (a little over XXXX weeks from now).  The letter said to contact them if I \"anticipate difficulty in being able to make the required payments\" and said, \"there may be options available to you\"...and then they listed various options, such as \"extension of loan term\", \"interest rate reduction\", \"principal forbearance\", etc.  But, when I contacted them, they informed me that -- since I had already been denied by them previously -- they wouldn't do anything to help me, unless I could show that my income had significantly improved!  Again, if my income had significantly improved, why would I be contacting them?!?  So, I am sick and tired of their tactics -- they are essentially forcing me to default, so they can put me into collections.  That is going to harm the credit standing I have worked XXXX years to maintain, and I am extremely frustrated with them.  A friend of mine heard about my situation and suggested I contact CFPB.","date_sent_to_company":"2015-09-09T17:03:32.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Home equity loan or line of credit","zip_code":"836XX","tags":null,"has_narrative":true,"complaint_id":"1557351","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ZIONS BANCORPORATION","date_received":"2015-09-09T17:03:31.000Z","state":"ID","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["At that <em>point</em>, my house was completely upside-down on just the 1st <em>mortgage</em>, let alone the HELOC sitting as the 2nd.  Zions Bank is the lender for the HELOC.  I didn't feel the financial <em>pain</em> of being upside-down until my ex-wife abandoned our marriage for another man, XXXX, and then drained me of XXXX of XXXX of dollars."],"product":["<em>Mortgage</em>"],"issue":["<em>Loan</em> modification,collection,foreclosure"],"sub_product":["Home equity <em>loan</em> or line of credit"]},"sort":[14.917897,"1557351"]},{"_index":"complaint-public-v1","_id":"5105833","_score":14.836327,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was told in XXXX of 2021 that I had been approved for a loan modification which stated that I had to make 6 months payments on time to enter into a modification which I did and was approved for a modification. After I return signed notarized copys they said Id be sent my copy of the signed and notarized copy. I still havent received my copy. I talked to them numerous times and everyone I called and request my copy said theyd send and they never did. I was not informed ever about them changing my mortgage note from 30 to 40 years and I couldnt get anyone to return my call with my questions. Every time I call they say Im behind on my payments. Ive explained numerous times to every rep that I never would have been approved for modification if I was truly behind. Newrez continues to report to all the credit bureaus that Im late and behind months on my payments which is false and is destroying my credit score. Due to Covid and the death of my wife and me being disabled on strong pain medication Ive been extremely stressed out. How unprofessional not to address my questions and concerns. I suspect it is being done deliberately to keep me locked in at my 4.5 % which they benefit approximately {$3000.00} a year on each 1.0 % interest on my {$300000.00} mortgage for the next 40 years. I thought there federal protections in place to stop this kind of treatment of people, especially since Im a XXXX XXXX XXXX XXXX, widowed man. I will continue to protest my treatment. Hopefully I dont need to get a lawyer to get any help from anyone government or Newrez. Still waiting for proof that my modification was approved with either a letter or an email. All I have is my word of what Ive been told. From this point forward Ill be recording any phone conversations I have with Newrez to prove Im being messed with. Shame on you Newrez saying youre trying to help me. Sincerely XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-01-12T21:02:24.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85140","tags":"Older American","has_narrative":true,"complaint_id":"5105833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2022-01-12T21:02:20.000Z","state":"AZ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Due to Covid and the death of my wife and me being disabled on strong <em>pain</em> medication Ive been extremely stressed out. How unprofessional not to address my questions and concerns. I suspect it is being done deliberately to keep me locked in at my 4.5 % which they benefit approximately {$3000.00} a year on each 1.0 % interest on my {$300000.00} <em>mortgage</em> for the next 40 years."]},"sort":[14.836327,"5105833"]},{"_index":"complaint-public-v1","_id":"11062396","_score":14.736652,"_source":{"product":"Mortgage","complaint_what_happened":"XX/XX/year> To : Shellpoint Mortgaging Service This Complaint is to Report Fraudulent Fees {$6300.00} Indiscriminately Added to my XX/XX/year> Mortgage Statement, and to request they be removed immediately. \n\nThis is also to report Underhanded, Misleading Behavior and Actions on the part of Shellpoint Mortgage Loan Servicing Employees, ie Customer service and loss mitigation personnel, et al over the last 2.5 months. \n\nRE : Shellpoint/ NewRez On XXXX, XXXX, XXXX  my mortgage account was reinstated with Shellpoint XXXX \n\nDays before the reinstatement my seasoned NY attorney asked Shellpoint attorneys for the full amount of all charges and fees for Shellpoint, Forward and Back. They emailed her back the Final amount, which she emailed to me.\n\nAt that point, my attorney also requested the reinstatement payment date be pushed back a couple days. She knew I was about to receive a {$20000.00} XXXX  towards reinstatement fees. From a Government agency that was helping me due to my illness.\n\nShe informed Shellpoint attorneys I had written confirmation from the XXXX, which confirmed XXXX  would be dispersed in the next seven days. \n\nBut Shellpoint attorneys refused to give the small extension to receive the XXXX that was to be mailed directly to them. \n\nThey said the reinstatement payment must be received and all completed by XX/XX/XXXX. \n\nI paid the final reinstatement amount by the due date they gave us. \n\n* Shellpoints refusal to allow a couple days more for payment caused me to lose enormous financial assistance. That would have made a BIG DIFFERENCE going forward, for ease in mortgage payments. XXXX I wouldnt be asking for lower monthly payments now!!! \n\n\n\n\n\nXXXX XXXX XXXX XXXXXX/XX/year>, I contacted Shellpoint to let them know I have my own insurance policy, and would be sending it to them in the next two days, which I did. \n\nThe associate I spoke with XXXX pulled up my account and said I see you owe fees of {$6300.00} on your account. \n\nI said thats not possible. What are those fees for? \n\nHe said he didnt know, but most likely for foreclosure and reinstatement fees I said NO WAY!!! \n\nI knew immediately this was wrong and they were being deceitful. \n\nI contacted my attorney. \n\nI told her Shellpoint was trying to charge me more for the reinstatement and/or foreclosure fees. \n\nShe said Thats Unbelievable. I asked them for All Charges! \n\n*See attorney email response enclosed. \n\nXXXXThis is Unacceptable and Deceptive. They need to remove those fees immediately. \n\nXXXX XXXX and XXXX mortgage statements enclosed here. \n\nXXXXFURTHER MORE : On XX/XX/year> I applied for a loan modification/lower monthly payments with a Shellpoint associate over the phone. He said I will hear back in XXXX to 7 days. \n\nOn XX/XX/year> I called Shellpoint and got my XXXX, ( Single point of contact ) and I inquired about the XX/XX/XXXX loan modification application status. \n\nHe said he wasnt aware of any XX/XX/year> loan application call & no record of it. \n\nHe then told me that he/Shellpoint had put me in forbearance without my permission?!!\n\nHe said because I was in default they put me on forbearance right away.\n\nI said I dont understand why you would do this this?\n\nI simply asked for a loan modification, not a Forbearance. \n\nAnd Its only XX/XX/XXXX. \n\nIm not default.\n\nI still have time to make a timely payment before the grace period ends.\n\nI asked about the loan modification again.\n\nHe told me I needed to be in default for three months before I could apply for a loan modification, and also emailed this as a reminder to me. \n\nSomething didnt seem right to me, so I took a moment to try and understand. \n\nWithin an hour, on the same day, XX/XX/year>, I call Shellpoint again and got an associate named XXXX XXXX. \n\nI told him I was put on forbearance without my permission and I want to be taken off. He said I think its too late. I said what do you mean its too late? I never gave permission for this. \n\nHe said he would speak to an associate to see what they could do, but thinks its too late to cancel the forbearance. \n\nHe put me on hold, and came back-and-forth several times telling me he needed more time to look into this. \n\nAfter 40 minutes of me holding, he hung up on me! The automated message that came on said Please try your call again another time Horrible!!\n\nI was unable to call back then. But I emailed Shellpoint loss mitigation about the forbearance matter immediately after.\n\nAs Im dealing with a debilitating illness that causes massive fatigue, pain and brain fog, This is very stressful and a lot to process in the middle of all of that.\n\nMy XXXX  continued to tell me and email me I needed to wait three months before applying for a loan modification. \n\nI ended up agreeing to the forbearance only out of exhaustion and confusion. \n\nAfter that, the same XXXX  that put me into forbearance without my permission, had the audacity to tell me that I could not apply for a loan modification if I was in forbearance!!! \n\nSo it appears this was a scheme for him/them to put me in forbearance to slow down my ability to get a loan modification. \n\nThis is deceptive practices. \n\nHe also told me that my XXXX XXXX  loan does not allow loan modifications before three months of default. \n\nI called XXXX XXXX and spoke to an executive there and she said thats incorrect what the XXXX said. \n\nShe said I could apply for a loan modification at any point if there is Imminent Default. Which is exactly why I was applying. \n\nI told her they had put me in a forbearance. \n\nShe said you can still apply for modification after the second half of your forbearance, in this case towards the end of XXXXbeginning of XXXX. \n\nIn complete contrast to what my XXXX was telling me. \n\nShe also said, The amount accumulated during the forbearance can be rolled into the modification amount. \n\n( I also emailed all the above to the loss mitigation department of Shellpoint on XX/XX/year> ) XX/XX/year> : Shellpoint has now confirmed by letter that on XX/XX/year> they received my loan modification application and they dont need any further documents from me. \n\nXXXX 2024 : I called both customer service and loss mitigation at Shellpoint XXXX confirm the confirmation letter, and when I would hear about my request for loan modification/ lower monthly payments. \n\nThe supervisor I spoke XXXX, tried to tell me it wasnt a loan modification I was requesting, it was a \" Loan Refinancing, and I needed to go elsewhere for that. \n\nI said That is ABSOLUTELY NOT what Im asking for!! \n\nI read to her the language directly from the new Rez/Shellpoint website my attorney sent me about their loan modification, Shellpoint Loan Modification : Usually your missed mortgage payments, get added to your total principal balance and become due at the maturity date of the loan. It is common for loan modifications to offer reductions in interest rates, extended maturity dates, and sometimes they lower the monthly mortgage payments. \n\nThis, right there in the language of their website! \n\nHere again a Shellpoint associate/supervisor, giving more misleading and wrongful information! \n\nWHY? To drag me through the mud and throw me off with my modification request every way they could? \n\nThis is Harassment, As Well as Financial Exploitation. \n\nNOTE : *All phone calls I refer to above were recorded, dated and saved by me, Ive also emailed, sent certified letters, faxes, and in writing to specific departments for dispute and loan modification. Everything is documented. Supporting documents are enclosed or will be forwarded if needed. \n\n*Reminder to Shellpoint/New Rez : They need to remember they are privileged to be able to make money from our asset. This is my asset not yours, I hope to see you make the amends I have requested here. \n\nThank you.","date_sent_to_company":"2024-12-06T03:08:10.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"10014","tags":null,"has_narrative":true,"complaint_id":"11062396","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2024-12-06T01:56:48.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"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":["XXXX XXXX and XXXX <em>mortgage</em> statements enclosed here. \n\nXXXXFURTHER MORE : On XX/XX/year> I applied for a <em>loan</em> modification/lower monthly payments with a Shellpoint associate over the phone. He said I will hear back in XXXX to 7 days. \n\nOn XX/XX/year> I called Shellpoint and got my XXXX, ( Single <em>point</em> of contact ) and I inquired <em>about</em> the XX/XX/XXXX <em>loan</em> modification application status. \n\nHe said he wasnt aware of any XX/XX/year> <em>loan</em> application call & no record of it."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[14.736652,"11062396"]},{"_index":"complaint-public-v1","_id":"2607690","_score":14.473272,"_source":{"product":"Mortgage","complaint_what_happened":"In XX/XX/XXXX, XXXX XXXX sold my mortgage loan to Fay Servicing.  I received a letter from Fay Servicing stating that an “Account Manager” would be assigned to my loan to service the loan and that this person would be my contact for any questions or problems I would encounter because they would become familiar with my situation and loan.   At the time that my loan was transferred to Fay Servicing,  I had submitted a complete Modification Package to XXXX that was under review and I was instructed by XXXX not to make any mortgage payments while the modification was being reviewed.  I informed Fay Servicing about this situation and was told that modification paperwork had not been transferred to them with the loan documents.  Fay Servicing then sent me a new Modification Package, which I immediately filled out since I had copies from the paperwork I had submitted to XXXX.  Several weeks passed and I did not hear anything from Fay Servicing regarding the status of the modification so I called the “Account Manager” who had been assigned to service my loan.  I explained my financial situation with him and I was told that I could make payments of XXXX a month.  I was concerned about the repercussions of during this, such as late fees, increased interest, a penalty being assessed on the mortgage, or my loan going into a default status.  I was told that none of these options would apply and there would not be a problem as long as I made the XXXX/month payment.  I asked if the shortage in the mortgage payment amount would be added to the principle amount owing on the loan and I was told that the shortage would be added to the mortgage amount as long as I made the XXXX monthly payment.  No paperwork was given to me to document this.  The following month when the payment of XXXX was due, I called my “Account Manager” to make sure that everything was the same.  After leaving several messages for a week and not receiving a return call, I called the main number for Fay Servicing and was told that my “Account Manager” had been changed.  I did not receive any type of notification about this change.  I called the “2nd Account Manager” and asked about sending the payment of XXXX and I was told that a signed and authorized Forbearance Agreement was required for this type of payment agreement.  When I received the Forbearance Agreement, I immediately signed and returned it.  The “2nd Account Manager” said that there was no modification paperwork in the system, so I was sent a second package, which I again immediately completed and returned.  Again, I was told not to make any payments while the modification was in review.    I did not receive any information regarding the status of the modification, which I assumed was in review, so I called the “2nd Account Manager”, left several messages, did not get a response, so I once again called the main number and was told that my “2nd Account Manager” had been changed and again, I received no notice of this change.  To follow up on the status of the modification review, I called the “3rd Account Manager” and was told that documents that were needed for the modification were missing from the modification package.  I did not receive any type of notification that documents were missing from the package.  The needed documents were sent to me and I immediately signed and returned them.  Again, I was instructed not to make any type of payment while the loan was being reviewed for modification.  I then received a notice saying that nothing more was needed to complete the modification package.  After several weeks, the modification was denied and I received a letter stating that my loan was in default and a foreclosure status was being initiated.  I called my “3rd Account Manager” to discuss why foreclosure was in process and I was told that my loan was being referred to another “Account Manager” that specialized in bankruptcy and foreclosure cases.  This was the 4th change of “Account Managers” and again, I was not informed of any change.  At this point, I was forced to retain the services of an attorney in order to prevent foreclosure as I am XXXX, have no children or family to help me and I would be rendered homeless. My attorney tried several times to reach my “Account Manager” and encountered the same problem I had.  The attorney then took this issue to court before a judge to postpone the foreclosure and advised me to sell the property as soon as possible because the postponement was temporary and my locks could be changed after this temporary delay.  I was extremely afraid of loosing my personal belongings, so I took the first offer that was made to sell my property.  It was sold below market value because of this situation.  Also, I had to place all of my furniture in a consignment store, I could not afford a storage unit to accommodate all of the furniture.  After a short period of time, the “4th Account Manager” returned my loan to the previous manager who had been handling the loan.  This was the 5th change of “Account Managers.”  Due to the fact that my loan had been placed into a foreclosure status in the county records, I could not qualify for a mortgage to purchase something else to live in or rent an apartment.  I was forced to stay with a friend until I had time to find someone to finance a place for me to live.  I am currently living in a mobile home financed by the previous owners.  I have a medical condition that affects my nerves and as a result of the stress, my pain medication had to be increased.  The equity in my home and my furniture was all that I had left for retirement.  I do not have an IRA or any type of insurance policy, only a small pension of XXXX a month, because all was lost when the market fell in XX/XX/XXXX. I am XXXX years old and this situation has caused me mental/physical health issues due to the XXXX and urgency to move quickly.I have documented all transactions pertaining to this loan and my attorney and the judicial system also has a record of everything pertaining to this mortgage loan.  My attorney advised me that Fay Servicing had performed “Mortgage Misrepresentation”.","date_sent_to_company":"2017-08-17T20:09:19.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"33928","tags":"Older American","has_narrative":true,"complaint_id":"2607690","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fay Servicing, LLC","date_received":"2017-08-17T18:46:43.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["At the time that my <em>loan</em> was transferred to Fay Servicing,  I had submitted a complete Modification Package to XXXX that was under review and I was instructed by XXXX not to make any <em>mortgage</em> payments while the modification was being reviewed.  I informed Fay Servicing <em>about</em> this situation and was told that modification paperwork had not been transferred to them with the <em>loan</em> documents."],"product":["<em>Mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[14.473272,"2607690"]},{"_index":"complaint-public-v1","_id":"14893535","_score":14.238916,"_source":{"product":"Mortgage","complaint_what_happened":"I was in a 6 payment repayment plan with Shellpoint Mortgage in XX/XX/year>. That month I came down with XXXX XXXX XXXX XXXX In addition to the XXXX  I developed an XXXX  which required an XXXX XXXX XXXX XXXX. I called Shellpoint Mortgage and told them I can not make my XX/XX/year> payment and the nice gentleman on the phone told me \" not to worry about it '', get better and try to make my XX/XX/year> payment. I make my payment with the same gentleman on XX/XX/year>. So I missed XXXX and XXXX. Shellpoint then applied the payment as \" suspense ''. I called my single point of contact, XXXX XXXX email XXXX, and she said she personally defaulted me, the person I spoke to should not have accepted the payment and she said she wanted all the payments to get caught up to the loan. She issued me a reinstatement letter, which I have a copy of which states if I make the payment prior to XX/XX/year>, the amount I would need is {$9700.00}. On XX/XX/XXXX I called XXXX and told her after begging and borrowing I have the money. I needed the wire instructions and was on my way to the bank.She told me to \" turn around '' she now wanted {$11000.00}. I was shocked. When I went home, I emailed XXXX a copy of the letter, which was on my payment portal saying if I make my payment prior to XX/XX/year> the amount is {$9700.00}. XXXX also had a copy of the letter. XXXX replied via email, which I have, \" i can not read the email ''. I called her and she said she put me in a FORECLOSURE status and the amount is {$11000.00}. She then emailed me the wire instructions and reinterated the amount to pay was {$11000.00}. XXXX told me she added XXXX 's payment to the reinstatement because she did not believe I would make my XX/XX/year> payment after paying almost {$10000.00} on XX/XX/year>. So basically she wanted to keep me in a FORECLOSURE status because if she accepted the {$9700.00} that would restore my loan back to current and out of Foreclosure. This is key because had she accepted it and I went deliquent, they could not put me back in Foreclosure status. XXXX sent me a new reinstatement letter good through XX/XX/year> and the amount is the same amount as the amount she told me on XX/XX/XXXX. How could this be possible XXXX month later, It is possible because XXXX XXXX lied to me to keep me in foreclosure. I asked her at that point if I could get back on a repayment plan, loan modification or Forebearance and she said, we don't do deferrals anymore, you do not qualify for a loan modification or repayment plan because I have too much equity in my home. I have all emails to back this up. Here I am XX/XX/year> and needing to come up with {$11000.00} by Tuesday. I've spoken to XXXX probably XXXX times this month and she talks to me like I am beneath her. I now have a {$10000.00} salary, i can afford my payments. I had a medical emergency and I have to sell my house or come up with {$11000.00} by Tuesday? I feel XXXX 's deceptive actions should warrant at the very least, allow me to get into a forbearance or loan modification. I also feel that XXXX should be disciplined for lying to a customer and causing them pain, suffering and health issues.","date_sent_to_company":"2025-08-13T18:10:01.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"02919","tags":null,"has_narrative":true,"complaint_id":"14893535","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-07-25T22:55:15.000Z","state":"RI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Foreclosure"},"highlight":{"complaint_what_happened":["I feel XXXX 's deceptive actions should warrant at the very least, allow me to get into a forbearance or <em>loan</em> modification. I also feel that XXXX should be disciplined for lying to a customer and causing them <em>pain</em>, suffering and health issues."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[14.238916,"14893535"]},{"_index":"complaint-public-v1","_id":"4987142","_score":14.069244,"_source":{"product":"Mortgage","complaint_what_happened":"XX/XX/2021 My name is XXXX XXXX and I live at XXXX XXXX XXXX XXXX, OH XXXX. I feel I have been discriminated against, misled and retaliation has been taken because of a complaint I filed. I was not given Covid assistance when I requested it from my lender, my credit report has incorrect damaging information and my health has drastically been affected by the treatment I have received. I was unable to get help and my situation worsened in the process from acts done by Shellpoint Newrez. \n\nI have been on XXXX for years now due to XXXX XXXX, XXXX XXXX and XXXX. I explained the situation to numerous people and begged for help that was offered to all. I still have not received any help and I have no hope of this situation being resolved. After all my efforts I now have lost a credit card ( due to incorrect information from Shellpoint/Newrez ). My credit score has gone down over 100 points due to their information inaccurately being reported to credit bureaus. I had worked for years to have a good credit score, my score was XXXX until Shellpoint reported incorrect information to the credit bureau. All I have asked is what the government offered to everyone and I have not received any help or assistance with this matter. I have been ignored, given inaccurate information and been treated rudely during this whole process. \n\nI ask that someone help me with this inequality in the system. I have listed dates and information below. I was given multiple people as my loss mitigation specialist, I was tossed around and not given respect or help. I also attached emails and letters NewRez sent regarding my complaint against them. My credit score took over a 100 point loss after this due to NewRez reporting incorrect information, In XXXX I got approval through XXXX XXXX XXXX for 6 months house payments, the information was sent to NewRez and it is now XXXX, my house payment was taken out and no response regarding XXXX XXXX XXXX from NewRez. \n\nI also found my credit report was hurt by NewRez incorrectly reporting a partial payment in XXXX, which is incorrect. This brought my credit score down over 130 points and my XXXX credit card was revoked. This information I found out this first week of XXXX. \n\nBelow I have pasted several things I have found that lead me to believe I would be able to get help with no problem. I don't understand why this has turned into such a life altering situation.None of what is stated below was made available to me. \n\nI am hoping my mortgage will get the modification it was entitled to in XX/XX/2021, adjusting my mortgage balance to reflect the monies that would have gone to principal had I received the modification. I want my credit report fixed- this should be done regardless. I want Shellpoint to mail a letter to me and XXXX explaining their error and following through till it is corrected. I don't think this is too much to ask since lawyers are offering pain and suffering due to mortgages and banks not living up to their responsibilities. My XXXX, XXXX and XXXX are through the roof. I have not been able to deal with these multiple issues because I am unable to concentrate when all of these factors are present and it has taken me this long to reach out to someone to make them accountable. \n\nThank you for your time and consideration with this matter. Should you have any questions I can be reached at XXXX. Please leave a message as I am receiving scam calls since I reached out to request help. \n\n\nSincerely, XXXX XXXX XX/XX/2021 I called NewRez after seeing the XXXX XXXX XXXX program online and was told it was not offered. \n\nXX/XX/2021 Talked to XXXX XXXX explaining I was struggling and Im with XXXX XXXX and was requesting a loan modification to avoid going into foreclosure. He said since housing values have gone down, having an appraisal to get the loan modification would possibly make my interest rate and payment go up. I told him that would only make matters worse. I have borrowed money, used credit cards to keep up. My son has had XXXX twice, my daughter-in-law has XXXX and has had XXXX twice and I have had my granddaughter and I need assistance. \n\nXX/XX/2021 XXXX I called in to NewRez and was routed to a loss mitigation specialist for financial hardship - XXXX XXXX from customer service transferred me to XXXX XXXX who only looks at delinquent loans and mine is current. A hardship form will be mailed out. \n\nXX/XX/2021 Assigned XXXX XXXX as point of contact. \n\n\nXX/XX/2021 Point of contact now XXXX XXXX. Spoke with him and he stated it should be no problem to get loan modification lowering my interest rate and keeping the same terms. He would send it up and should get back to me by the end of week. \nI did not hear from him after sending multiple emails : XX/XX/2021 XXXX XXXX. I spoke with XXXX XXXX and sent a paper thru email to fill out and to send proof of income ( XXXX XXXX XXXX ) and payments or bank statements using loan ID XXXX and he would send up for an approval on loan modification. Also had me enclose a hardship letter. I explained I was paying over 40 % of my income on my mortgage. \n\nXX/XX/2021 Finally reached XXXX at XXXX XXXX. and he said he still hasn't heard anything and he couldn't tell me anything as it was taken out of his hands. I questioned this and he had me hold and came back and said his supervisor took over. It was being processed and that was all he could tell me right now. He would let me know something by the end of the week. \n\nXX/XX/2021 Spoke with XXXX at CFPB at XXXX and explained I had started asking for help in XXXX and I was ignored, given incorrect information. She said option 1 was to file a complaint and 2 I could ask for mortgage assistance elsewhere. \n\nXX/XX/2021 I called in again as I had not heard from XXXX and was told I was offered an extended term of 40 years and I only have 23 years left currently. I was not agreeable to that option after all this time of being told differently. I was told that I could have a 6 month deferral but all of it was due at the end of the 6 months. I explained that if I couldn't pay it now how would I possibly pay it at the end of 6 months. \n\nXX/XX/2021 Sent complaint to Consumer Finance ID # XXXX XX/XX/2021 Contacted XXXX XXXX, spoke with XXXX and he sent a packet to sign. I was unable to print. At this point my XXXX and XXXX were uncontrollable and this went to the wayside. \n\n\nThe CFPB enforces several laws, such as the Truth in Lending Act and the Real Estate Settlement Procedures Act. Examples of common mortgage complaints include : Refinancing or modifying a mortgage loan Misreporting mortgage account status to you or to credit reporting agencies for those homeowners who do not have federally financed mortgages, the CARES Act provides mortgage forbearance by giving those homeowners the right to request and obtain a forbearance for up to 180 days. Additionally, once that 180 days runs out, the Cares Act provides for that homeowner to request and apply for another 180 day extension. The Act provides that no additional fees, penalties, or interest will apply. Furthermore, no additional documentation needs to be submitted other than your basic claim that you are experiencing financial hardship due to COVID-19 and are unable to make your monthly mortgage payment. \n\nA COVID-19 payment deferral allows you to bring your mortgage current by delaying repayment of forbearance amounts without changing other terms of your mortgage. This option may be available if you can not afford a reinstatement or repayment plan. You will not be charged interest on the forbearance amounts, which will be due and payable at the maturity of the mortgage loan or earlier whenever you sell or transfer of the property, refinance the mortgage loan, or pay off the interest-bearing unpaid principal balance. Talk to your mortgage servicer about how escrow payments will be handled for this option. \n\nI was never offered this option and I did send information in to XXXX If you are a homeowner, have your financial information handy and contact your mortgage servicer ( the company listed on your monthly statement ) to request help if youre concerned about your mortgage payments. And, if XXXX XXXX owns your mortgage loan, our XXXX XXXX XXXX ( XXXX ) can help you navigate the mortgage relief process and address other financial challenges. Visit XXXX to learn about our available mortgage assistance and relief options. \n\nFHFA Expands Use of Interest Rate Reduction to Help Borrowers with a COVID-19 Hardship Reduce Their Monthly Mortgage Payment Changes to loan modification terms will help borrowers stay in their homes FOR IMMEDIATE RELEASE XX/XX/2021 Washington, D.C. Today , the Federal Housing Finance Agency ( FHFA ) announced changes to loan modification terms for COVID-19 impacted borrowers with mortgages backed by XXXX XXXX or XXXX XXXX XXXX XXXX  XXXX ) needing payment reduction for successful home retention. The updated terms are specifically for borrowers with permanent COVID-19 hardships and respond to the unprecedented nature of the pandemic. \nFlex Modification terms will be adjusted for COVID-19 hardships making interest rate reduction possible for eligible borrowers, regardless of the borrower 's loan-to-value ratio. Previously, only borrowers with mark-to-market loan-to-value ( MTMLTV ) ratios greater than or equal to 80 percent were eligible for a possible interest rate reduction. MTMLTV is a ratio that compares the balance remaining on the mortgage to the current market value of a home. \nAllowing more families to qualify for an interest rate reduction will prevent unnecessary foreclosures, help strengthen the Enterprises ' books of business, and make sustainable homeownership a reality for more families currently living with the uncertainty of forbearance, '' said Acting Director XXXX XXXX XXXX. \nToday 's action is just the latest step FHFA has taken to benefit homeowners and the mortgage market during the pandemic. FHFA continues to monitor the effect of the COVID-19 servicing policies on borrowers, the XXXX and their counterparties, and the mortgage market. FHFA may extend or sunset its policies based on updated data and health risks. Homeowners and renters can visit consumerfinance.gov/housing for up-to-date information on their relief options, protections, and key deadlines.","date_sent_to_company":"2021-12-08T13:09:58.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"443XX","tags":null,"has_narrative":true,"complaint_id":"4987142","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2021-12-08T13:03:55.000Z","state":"OH","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["You will not be charged interest on the forbearance amounts, which will be due and payable at the maturity of the <em>mortgage</em> <em>loan</em> or earlier whenever you sell or transfer of the property, refinance the <em>mortgage</em> <em>loan</em>, or pay off the interest-bearing unpaid principal balance. Talk to your <em>mortgage</em> servicer <em>about</em> how escrow payments will be handled for this option."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[14.069244,"4987142"]},{"_index":"complaint-public-v1","_id":"4447343","_score":13.859513,"_source":{"product":"Mortgage","complaint_what_happened":"First of all, I am a 36  year veteran of the United States XXXX attempting to construct our retirement home. \n\nWe were referred to the loanDepot Mortgage Corporation seeking a 30 year VA Construction loan in XX/XX/XXXX. We spoke with the local loanDepot 's Loan Consultant ( Mr. XXXX XXXX NMLS # XXXX ) who assured us they offered a loan service and product that would cost us XXXX down payment and zero interest payments during construction period for a 30 year VA construction at 100 % financing. The mortgage would be at a fixed interest rate of 3.5 % with an underwriting and processing fee of {$890.00} that he estimated he could close within 45-60 days. \n\nGiven this, we agreed to use their services and applied for the VA construction loan with loanDepot on XXXX XX/XX/XXXX. We were asked to provide copies of the land contract on XXXX XX/XX/XXXX with a tentative closing date of XXXX XX/XX/XXXX. We were aslo asked to provide a detailed breakdown of the cost of construction from the builder, which we promptly provided on XXXX XX/XX/XXXX. As of XXXX XX/XX/XXXX, we had not yet received a mortgage approval or any loan estimates and disclosures from loanDepot. We felt this was unusual, and kept inquiring about the loan approval status update. Finally, on XXXX XX/XX/XXXX, Mr. XXXX emailed me to indicate that due to the COVID 19 pandemic and its impact on the economy, XXXX XXXX XXXX XXXX XXXX XXXX  and other lending institutions associated with them had suspended all VA construction applications and submissions at that time. At the time he indicated the lenders anticipated the suspension lasting approximately three to four weeks ( See Attached email dated XXXX XX/XX/XXXX ). At this point, we had to withdraw from the existing land contract, stop the title research, which they ordered, and notify the builder that everything was on hold pending loanDepot notification that the VA construction lending had resumed. Keeping in mind, we had yet to received a loan estimate or any disclosures on the projected loan to date. We were on hold until XXXX XX/XX/XXXX, when loanDepot contacted me to indicate that XXXX  had picked back up VA CP lending programs. After loosing the previous land contract, it took us until XXXX XX/XX/XXXX to find another lot, and we signed the contract on XXXX XX/XX/XXXX, which we uploaded a copy to loanDepot. Per coordination with loanDepot, we scheduled a closing date for XXXX XX/XX/XXXX, loanDepot had my attorney start the title research again, and they requested an updated detailed builder 's breakdown to construct of home. On XXXX XX/XX/XXXX, we finally received our first loan estimate and disclosure for loan # XXXX thanking me for the application and looking forward to working with me. The loanDepot consultant then requested a list of needed documents, which I promptly upload to the loanDepot mortgage site on XXXX XX/XX/XXXX with a follow up email to the loan consultant. We then went from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX before we got a response to numerous email follow up on the status of the VA construction loan from loanDepot ; realizing we had a closing, which they agreed on, scheduled for XXXX XX/XX/XXXX. This was really poor customer service to say the least. \nDuring this period, we received a loan estimate from loanDepot on XXXX XX/XX/XXXX and again on XXXX XX/XX/XXXX ( See Attached ). Given the fact that we were still working this VA construction loan since XXXX XX/XX/XXXX with the same attorney and builder, but were sent this very large and cumbersome XXXX builder registration packet to set the builder up as an approved VA builder, which I later found out that he had already been verified and had a VA builder number. We had an entire year to get this requirement accomplished, but they procrastinated until late in the mortgage process to request it.. This is yet another case of loanDepot 's representatives being unqualified and untrained in the timely brokerage of a VA construction loan. Not to mention, their failure to be responsive and provide timely updates on the loan processing. Needless to say, we did not meet the closing date of XXXX XX/XX/XXXX, which caused the seller to almost withdraw from the contract of the land sale. We asked him to please work with us until we could close the loan. We asked for an extension until XXXX XX/XX/XXXX, which was coordinated with the loanDepot representatives who indicated they could get it done by this time. On XXXX XX/XX/XXXX I had been unable to reach the loanDepot consultant for several days, so I wrote an email to the corporate office in hopes to get someone responsible and competent enough in the VA construction loan process to assist us with getting the loan to the closing table ( See Attached email dated XXXX XX/XX/XXXX ). At this point I had lost all trust and confidence in the loanDepot 's loan consultant to assist us with our loan. On XXXX XX/XX/XXXX, Mr. XXXX XXXX ( NMLS # XXXX ), loanDepot 's local Branch Manager and supervision of Mr. XXXX, took over the loan consulting in effort to expedite getting the loan to closing. He immediately began to work directly with me and my builder to get him registered as a VA builder for XXXX which remember, he is already registered as a VA builder with a number and builds many home for VA mortgages. loanDepot representatives also asked my builder to pay {$4000.00} to {$5000.00} for a builder 's permit prior to loan approval and closing. It was also brought to my attention they asked the builder to add {$17000.00} in the builder 's contract costs that we signed on XXXX XX/XX/XXXX without my knowledge and approval, which the builder promptly denied their request. \n\nOn XXXX XX/XX/XXXX after the builder had been registered as a VA again, loanDepot finally uploaded my 1003 mortgage loan application into the XXXX  MyLoanCenter for further processing and underwriting after 13 months and 6 days. At the same time, the seller is loosing his patience and considering walking away from the land contract that is two weeks past the extended closing date of XXXX XX/XX/XXXX. This was personally embarrassing, humiliating and questioned our word and credibility in a community in which we intend to reside. \n\nThis is where this complaint is really substantiated through loanDepot 's representatives actions, inactions, omissions, misrepresentation, misleading, deceptive lending actions and practices, failure to properly disclose critical loan costs to us, providing false and inaccurate information regarding the loan VA construction costs to us, and finally admitting that they did not understand or was knowledgeable of this loan product. Furthermore, they indicated this was the very first loan of this type that they tried to process, and they were simply not qualified to adequately process it. In fact, the loanDepot 's Branch Manager ( XXXX XXXX ) told me that if he had been involved from the beginning a year ago, he would have not accepted the loan for processing. \n\nOn XXXX XX/XX/XXXX, once the loan was uploaded to XXXX they produced a new online loan estimate and disclosures that vastly differed from any of the original loanDepot estimates ( XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX See Attached ). \n\nOne of the disclosures from XXXX  on XXXX XX/XX/XXXX was a Mortgage Broker Fee Agreement for us to agree to compensate loanDepot {$10000.00}, which the loanDepot Branch Manager, MrXXXX XXXX, acknowledged that it would be paid by us the borrowers. This was the first time we ever heard about this so called brokerage fee. \n\nI printed a copy of it in order to discuss it with loanDepot 's representatives ( See Attached ). After inquiring about this agreement, I went back to the XXXX  website to review it again, and interestingly this document was removed from the disclosures on the site. I felt that this was also very questionable, since it was the only document that was removed after I inquired about it. \n\nIn our opinion, this mortgage loan company did not earn XXXX XXXXr of compensation, given their lack of qualifications and misrepresentation, not to mention the pain, aggravation, emotional distress, and personal embarrassment they have caused to our credibility. They should be compensating us for the harm they have caused us throughout this process. \n\nThe major differences in the XXXX estimate was a XXXX XXXX {$17.00}, XXXX ) of the loan amount in points in addition to the {$890.00} from loanDepot. The original locked fixed rate of 3.5 % loanDepot promised with XXXX down was simply not true, and they would not honor it. This is a deceptive lending practice, and it should be illegal. \n\nAdditionally, because this was a jumbo VA construction loan ( {$680000.00} ), which it was from the beginning a year ago, XXXX now wanted 25 % on every dollar above the VA lending limit of {$540.00}, XXXX, which {$33000.00} above the other closing costs and above fees ( See Attached Estimate ). \n\nOur costs to close the loan went from the loanDepot estimate on XXXX XXXX XXXX {$60000.00} to the XXXX loan estimate to close on XXXX XX/XX/XXXX of {$25000.00}. \n\nOn XXXX XX/XX/XXXX, we received another XXXX loan estimate that increased our estimated closing costs from an estimated {$25000.00} to {$59000.00} on the same 30 year VA construction loan. This loan was originally offered to us by loanDepot representatives at XXXX down, at 3.5 % locked fixed rate, zero payments during the XXXX year construction period, and a one time closed mortgage. \n\nThis should be illegal, unethical, deceptive, and misleading lending practices and actions on the part of loanDepot. \n\nOn XXXX XX/XX/XXXX, I finally got an XXXX  building cost calculation from Mr. XXXX of loanDepot ( See attached ). Even on this document, he had to call XXXX to get clarification before he could explain it to me, and had to hand write in some of the calculations and additional costs that we were being informed of for the very first time during this 14 months processing time. \n\nBecause of loanDept 's unqualified representatives ; this lengthy, cumbersome, uncoordinated, deceptive, and misleading process, the cost to build our home increased from {$480000.00} on XXXX XX/XX/XXXX to {$570000.00} on XXXX XX/XX/XXXX had it closed as it was originally estimated in 45-60 days.\n\nIn fact, the loanDepot loan consultant falsely told us the lending companies suspended the VA CP lending program during the COVID 19 pandemic, but his manager later corrected that information by informing me the the VA appraisers were experiencing difficulties coordinating and conducting appraisals for draws. We required a VA appraisal for land and a construction plan, which had limited to no exposure to COVID 19. This was yet again a false and misleading statement coupled with misrepresentation of the actual facts of the matter. \n\nIn closing this complaint statement, on XXXX XX/XX/XXXX given the recent and significant financial adjustments made to our original loanDepot estimate and disclosure to the XXXX estimates and disclosures, we were left with no viable option but to withdraw our loan application. If we were provided this information by loanDepot 's representatives last year when we contacted them, we would not be in this predicament at this time. \n\nWe now may loose the land contract again that has expired, and are having to start this process over again after wasting 14 months of our time and life dealing with a company that should be band from offering this loan product to future consumers. \n\nMoreover, they should be held liable to compensate us the harm they have caused our family during this time ; to include restitution for the pain, emotional distress, mental anguish, personal embarrassment and adverse impact on our word and credibility with the seller, our attorney, the builder and the community we will be residing. \n\nThanking you in advance for your assistance in helping us address this grave injustice to us as a veteran family trying to build our retirement home. \n\nBest Regards, XXXX XXXX XXXX XXXX","date_sent_to_company":"2021-06-17T20:55:31.000Z","issue":"Closing on a mortgage","sub_product":"VA mortgage","zip_code":"29063","tags":"Servicemember","has_narrative":true,"complaint_id":"4447343","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LD Holdings Group, LLC","date_received":"2021-06-09T12:28:09.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In our opinion, this <em>mortgage</em> <em>loan</em> company did not earn XXXX XXXXr of compensation, given their lack of qualifications and misrepresentation, not to mention the <em>pain</em>, aggravation, emotional distress, and personal embarrassment they have caused to our credibility. They should be compensating us for the harm they have caused us throughout this process."],"product":["<em>Mortgage</em>"],"issue":["Closing on a <em>mortgage</em>"],"sub_product":["VA <em>mortgage</em>"]},"sort":[13.859513,"4447343"]},{"_index":"complaint-public-v1","_id":"5605042","_score":13.259501,"_source":{"product":"Mortgage","complaint_what_happened":"I have contacted Liberty as usual the response is they are escalating this matter. In issues I had before the end ( closing ) they did the same thing- they are escalating, I was handled. \n\nElder Abuse and Manipulation that occurred in the Reverse Mortgage application with Liberty Reverse Mortgage In XX/XX/XXXX I finally realized that I had been scammed by a self-professing XXXX woman. Based on this womans lies I had gotten myself in debt renovating my home. For most of my adult life I have lived within my means and gone without to survive. I understand the difference between needs and wants having gone without court ordered child support without a college education and not on welfare raising XXXX children. I was in debt from this event about {$30000.00} and had the potential of losing my home. My dishonest scammer was very very good at the manipulation that occurred. \n\nI might have been able to pay this debt leaving me barely able to squeeze by. I had decided to look in to Reverse Mortgage programs designed for the elderly. I was turning XXXX in a year and felt that my health was only going to deteriorate as I get older. By the time I would have any relief from this debt I would not have the health to do things that I wanted or dreamed to do. My thinking was that I could do a reverse mortgage to pay this debt off and then I would just live within my means as I have done in my life. \n\nThe first organization I called was XXXX. I was just trying to get an estimate for how much my would be available to me if my home was worth x amount of money providing I met all the requirement of the program stating that I understood it was not a set figure. The person would not give me any dollar amount or provide me with an example of formulas used to determine an amount. I needed to find out if the dollar amount would even make it worth me pursuing this. They asked for extreme personal details of information without providing hardly any information ( so I an elderly person is giving up very detailed and personal information ). Information that could be used to manipulate a person by someone knowing what situation you are in or how urgently help is needed. \n\nWith the amount of fraud taking place today, I felt it was not appropriate information to be disclosed at this level until I made a decision formally make an application. \n\nI was not getting any information from XXXX so I searched for other reverse mortgage companies. I ran across the name of Liberty Reverse Mortgage. Alongside the names of the companies were comment s and I remember it saying for people with good credit. Since I have had good credit scores ( XXXX + as high as XXXX ) I decided to call Liberty Reverse mortgage. Each time you call you are given a message that the phone call is recorded. \nPhone calls to Liberty Reverse Mortgage- I made close to 70 phone calls to Liberty Reverse Mortgage. I have a list of 48 dates although there were more between XX/XX/XXXX & XX/XX/XXXX when I formally made the application and a few more that werent logged due to the stressful situation I was dealing with. I was under so much stress the person who was dishonest was causing problems with my family members and her church people did not leave my home when I told them to leave and I ended up calling the police. See attachments A & B. \n\nIt was in those 2 months ( XXXX XXXX XXXX ) that I had talked extensively to XXXX XXXX about the terms of the loan. We also discussed how long it would take to close once I applied. I was told 1 2 months. \n\nIt took 8 months to get this reverse mortgage, 6 months from the time I formally applied in XX/XX/XXXX. I jumped every hoop they demanded. I had provided all the information they wanted, scheduled the counseling for XX/XX/XXXX which was the earliest date I could get. I wanted to close the loan soon after counseling. \n\nIn XX/XX/XXXX when I applied the interest rate was just under 2 % interest, max increase 2 % per year and capped at 10 %. This was the only plan XXXX and I verbally spoke about. Quite honestly I thought once you identified what type of reverse mortgage you choose, this was the offer for that plan. It never occurred to me that there were options. \n\nI have close to 5 inches of paperwork of things sent to me. One example is shortly after I officially applied for the reverse mortgage with Liberty. The package I received was 92 double sided pages, single line, not double lined, printed in 10pt and smaller type ( equating to 184 pages ). It covered all the types of reverse mortgages. If a company wants to bury or minimize information, it could easily be done in that package. A person would have to know what to ask to get down to what would apply to their loan. I am not a banker and do not know all the acronyms. \n\nThe differences if I went to a bank to get a loan : A bank would not take 6 8 months to complete the process. You would submit the information they require. In my previous mortgages the interest rate was locked in when you made the application. \nA bank would be give able to give you print outs of the financial information. More specific to your loan numbers given at the time. \nA person would not be isolated. Again 70 calls, containing 100 200 hours of conversation. \nThe amount and depth of personal information would not be disclosed in a bank situation.\n\nYou would know what institutions you are dealing with. For instance Liberty Reverse Mortgage is a dba, several of the other institutions who are involved ( dbas ) in this process. And how many of these other entities are owned or associated with Liberty Reverse Mortgage. In a conventional loan I would have a choice of the XXXX, the title company and I would know what company is managing the loan. \nIt is XX/XX/XXXX and I still do not have a Welcome Package. I dont know where to return the excess money they sent me although I am paying interest on it, or how to request more money if I wanted it. I have requested this information multiple times but never received it. \nLiberty is very aware that I am very stressed about having this {$190.00}?? XXXX money in my bank account if someone gets access to my account it could be stolen. \nI could choose the title company you I wanted to use and be given the cost. With the reverse mortgage process you are not able to have those choices. \nI paid for the appraisal via a screen with no cover page, just a place to authorize a {$550.00} payment to XXXX. There was no ability to ask for a receipt or get a copy of the transaction. XXXX also included a statement that additional charges for the appraisal could be charged. In a bank setting you would receive dated receipts for transactions ( not be sent a form to sign to charge your credit card and not provide a way to get a receipt. See attachment D. \nThe company who is overseeing the reverse mortgage has unlimited access to the checkbook. Some of the fees you are charged are outrageous and I have no say or ability to seek out more reasonable venders to provide the service. \nA senior should not receive communications in 5 point type or letters in 7 point type. I had to use 2 devices to be able to read these documents. Readers and magnifying devices. See attachment C. \nYou would get answers, not be told that they will escalate the issues to never addressed ( the person then says they are not authorize to do anything ). Knowing that each time you go over the information it is creating stress, health issues and despair being so manipulated and these companies have the checkbook. The lack of humanity is astounding. At a bank you would have those answers before you left the bank. \nAt the time of closing the loan there are not additional requirements that would have been resolved before you got to the closing part. The 1st time I tried to close I was given the additional requirement the Thursday before I was going to close the following week. See attachments G & H. \nThe 2nd time to close the loan papers, I was presented with different financial rates of at least 2 times plus the amount of interest that had been discussed and in place at the time I applied for the loan. \nIt seems in the reverse mortgage process, seniors dont seem to have a right to get receipts, a copy of the appraisal I paid for, and I had to request it from Liberty. This includes getting financial statements/receipts in a timely manner. The only thing I seem to get in a timely manner is the bill of the monies they are adding to my debt. In a traditional bank setting I would have all issues resolved and information given within hours, at most days. \n\nOther practices that have occurred with Liberty Reverse Mortgage In a feedback communication email sent to me from Liberty Reverse Mortgage. See attachment I. I have asked Liberty Reverse Mortgage for a copy of all the phone recordings ( every time you call them they tell you that they are recording everything. I implore you to ask for a copy of the voice recordings for the following reasons 1 ) You will see how manipulation is used to divert the focus from questions that ones asked. In my case there is well over 100 - 200 hours of discussions that took place and would demonstrate how a senior is manipulated.\n\n2 ) There is very personal information recorded that could be sold, or used to target elderly people for other scams 3 ) The amount of personal information that can be used to confuse or suggest that one doesnt remember things. This would not happen if a person goes to a bank to get a conventional loan. This was done to me when XXXX presented 3 different loan programs to me. I told XXXX that XXXX and I only spoke about 1 loan package. 3 ) The phone recordings would demonstrate how easy it is to run elderly people in circles, avoid answering questions and use personal information and fears to close the loan which is what happened to me. \n\n2 examples : 1 ) When XXXX ( processor from Liberty Reverse Mortgage ) told me that Liberty would not consider the information I sent ( XXXX XXXX, XXXX ) via email to Liberty information about the flood insurance, I requested to speak with the Compliance officer from Liberty. I was diverted to several other personal but never got to speak to a compliance officer, although it was being escalated. \na. I immediately called about getting this insurance. XXXX national flood insurance would cost me an additional {$2700.00} a year. Why wasnt I told that in XXXX when I submitted the application with information regarding my home insurance policy? I would have not gone any further with the reverse mortgage. I submitted to Liberty via email information from the XXXX flood site to Liberty so you could see that my home sits uphill and was not in the flood plan. In the XXXX flooding that occurred in XXXX, this property did not flood. Also information stating that flood insurance is for the structure, not dirt which is where the tips of my property lie in a 100 yr. flood plan. I also informed Liberty that I was filing an amendment with XXXX that can determine the home does not sit in the flood area and can be exempt from the requirement. \nXXXX I spent hours and hours the next weeks contacting ( often multiple calls to these departments ) XXXX XXXX, XXXX XXXX Department, XXXX XXXX Department XXXX XXXX XXXX Department, XXXX XXXX Map XXXX, XXXX XXXX, XXXX of Flood Plan, XXXX XXXX and XXXX XXXX, Getting quotes for cost of Elevation Certificate from surveyors in XXXX XXXX ( {$1600.00} and up ). Filed for amendment with XXXX when they told me I didnt have to have the elevation certificate to file ( application # XXXX ) although it might be required later. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FHA  XXXX XXXX, FHA XXXXXXXX, XXXX XXXX for FHA, XXXX XXXX XXXX. At one point I waited 2 hours and 45 minutes on hold just to talk to someone. \ni. NOTE : I had applied for an amendment with XXXX because my home is on a hill on my property, did not flood in the XXXX XXXX floods. On XX/XX/XXXX I received notification from XXXX stating that the XXXX insurance was not required on my home this was almost 2 weeks after I closed. \n\nXXXX ) In XXXX XXXX I received a call from XXXX ( processor ) informing me that the Flood insurance would not be required, no explanation was given. I asked to close ASAP. At the 2nd attempt to close XXXX sent me 3 financial packages. I had told her I wanted to use XXXX to put some formulas in to extend out the figures 10 yrs. or more. Note : She offered to send me some examples. This is the 1st time I was offered examples of financial information specifically related to my loan. She did tell me that they were not exactly the final numbers. I remember in a conversation after I received this information XXXX talking more about the value of my home going up, the ability to pay more fees in the future should interest rates go below what I was now being offered. I just want to XXXX  in my home, at this point sometimes I feel the sooner the better. I dont care about the value of my home going up. I cared about after paying off the debt I incurred and not drawing additional funds, would I have enough money left in the account after 10 years to pay for services if I became fragile and could not do domestic activities. At this point I dont think I will live that long ( due to stress and manipulation ) and I wonder will there be any money to draw from after the bank draws their share. Diverting my attention to other information. \na. All the home mortgages I have gotten in the past, once the application was formally submitted the interest rate was locked in. I met the demands in a timely manner and LIberty changed the terms. Loans may not always exist with the locked in rate, but in my time my loans did. Reverse mortgages are for senior people who probably have had the same experience ( XXXX years ). NOTE : I recently checked with a local bank in XX/XX/XXXX and was told that loans can still be locked into a rate when a person applies. \n\nHow I have been treated after the ReversXXXX Mortgage was signed. \nAt closing the notary called a number provided by Liberty if there were any questions. He ( the notary ) called the number 2 times. I spoke on speaker phone with a person from the Title company ( recorded, try getting that recording ). She told me they would look into the figures that were incorrect and that I would get a copy of the changes to sign and send back. Never received any copy of the correction to sign, nor did I receive an email stating the changes and figures. \nWhen the check was deposited into my account the entire {$29000.00} was received again no statement or email accompanying this deposit. I knew that XXXX requirement of this loan was that the XXXX XXXX XXXX I had with XXXX Bank ( my banking institute ) had to be paid off. I received the money on Friday XX/XX/XXXX. I had been told they would pay it off, but then again I have been told a lot of things. I paid the XXXX XXXX XXXX off that day. This also means additional {$190.00}?? money is on my loan. I have only asked for {$29000.00}. Now I am paying interest on this money that I did not request. \nOn XX/XX/XXXX I talked to XXXX ( XXXX ) from the Title Company ( closing ) and she said I had to call Liberty Reverse Mortgage about the discrepancies. \nOn XX/XX/XXXX I called XXXX and left a message asking her to call me immediately and left a brief message of what it was about. To this day I have not received any return call from XXXX. \nBefore closing I had asked XXXX how I would get information about the account, how to withdraw additional funds, statements etc. she had said I would receive a Welcome package after closing. I have not received this package so I dont know where to send the additional funds they put on my account. Yet I am paying interest on it. \nI did not receive a statement regarding my loan from Liberty Reverse Mortgage until the week of XX/XX/XXXX more than 1 month after closing. This statement was printed in 5 point type I am a senior and had to use 2 devices so I could read it. \nThe same week I had received what looked like a check from my bank, XXXX. It was for the amount of the payoff of my XXXX XXXX Account. It looked so much like a check so I went to the bank to ask them what it was. It took them that day to figure it out and called later that day to tell me it was a refund, the account had been paid. Again no paperwork or email had been received until XX/XX/XXXX. \nOn XX/XX/XXXX I sent a feedback in response from Liberty Mutual to provide them feedback on my experience with Liberty Reverse Mortgage. Again no ability to have a copy of the feedback. \nOn XX/XX/XXXX or XXXX I received a call from XXXX XXXX (? ) asking me if I wanted to add any more to the complaint. I told her what I wrote in that complaint was about what I felt was Libertys failure to do business in a timely manner and feel that I am paying over twice because of their delays. There are quite a few issues I have with how seniors are treated and the manipulation used in this process is not only ethically wrong but it is morally wrong. XXXX said that she could not do anything but she would escalate it. I had been told that before and nothing happened. I told her that having almost {$20000.00} in my bank account is making me nervous, that I wanted to send the money back and felt I should not be charged interest on it. I also told her that repeating again and again these issues is causing me physical problems and affecting me mentally. I am exhausted. See attached voice recording of the conversation XXXX. \nOn XX/XX/XXXX or XXXX I receive a call XXXX the ( operation XXXX and XXXX the sales department from Liberty- they are going to escalate it. XXXX said she would email me the welcome package and the information I requested. I received a package of some of the information. The Welcome package still hasnt been received. Enough people at Liberty know this it is stressing me out to have these funds ( where I feel it is vulnerable ) and are affecting my health, they know that I am not sleeping, my health has been severely affected and I am mentally exhausted. I have stated that many times in XXXX in conversations that I feel like I am XXXX XXXX XXXX. The emotional trauma is literally killing me. See attached voice recording XXXX. \nThen the week of XX/XX/XXXX I received a letter in the mail. Get this 7 point type. See attachment F. \nI guess things are being elevated. I believe they are just trying to delay and do not intend to respond. Knowing this is affecting my health. Maybe XXXX XXXX how many seniors have they put in their graves? By this neglect and strategy ignore the person. \nThis company needs to be held responsible. Although I do not think this conduct is isolated just to Liberty but to XXXX Mortgage companies. \n\nSuggestions Get copies of the recorded phone calls, these recordings will clarify everything. \nHave the recordings evaluated by a XXXX  for elder abuse and the isolation. I was exhausted by the time I closed I couldnt take any more. They isolated me, figured out my weakness at that point- my fear that interest rates were going to go up. As I was reminded in several conversations that rates changes occur on Tuesday of each week. \nI would like to know all the dbas that have been involved and how many of them are subsidiaries or the relationship with Liberty Mutual. \nI would like to have the Welcome package that was promised, the funds returned and the associated interest be returned to m. \n\nMy health has been severely affected by this experience. I am a person who rarely has XXXX I have them daily. Experience very disturbed XXXX XXXX I feel suffocated and often find myself XXXX XXXX  in which I need to sit up to calm my body. I have lost 2 crowns on my teeth because of the grinding. My XXXX and XXXX  track is in pain daily ( XXXX, XXXX, XXXX XXXX and more. I have also developed the XXXX XXXX instead of XXXX  normally. \n\nThe mental stress and XXXX ( which is why it has taken me so long to put this complaint together ) is fought daily the conduct and lack of humanity these companies use is something that will never leave me. I wonder how many other seniors have experienced the conduct of this company, and have just given up. It is too overwhelming. \n\nI think the reverse mortgage program had good intentions, but never considered the greed of these corporations that have turned it into something so completely vulgar. If this had gone as presented, I would now be able to be kind to people and live my life I am filing this complaint because no senior should go through this. \n\nNOTE : There are 2 - MP3 files that I would like to send- either I already hit the limit on the size or I don't know how to send them. The are important.","date_sent_to_company":"2022-06-16T15:37:22.000Z","issue":"Closing on a mortgage","sub_product":"Reverse mortgage","zip_code":"37013","tags":"Older American","has_narrative":true,"complaint_id":"5605042","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2022-05-26T20:13:31.000Z","state":"TN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I told XXXX that XXXX and I only spoke <em>about</em> 1 <em>loan</em> package. 3 ) The phone recordings would demonstrate how easy it is to run elderly people in circles, avoid answering questions and use personal information and fears to close the <em>loan</em> which is what happened to me. \n\n2 examples : 1 ) When XXXX ( processor from Liberty Reverse <em>Mortgage</em> ) told me that Liberty would not consider the information I sent ( XXXX XXXX, XXXX ) via email to Liberty information <em>about</em> the flood insurance, I requested to speak"],"product":["<em>Mortgage</em>"],"issue":["Closing on a <em>mortgage</em>"],"sub_product":["Reverse <em>mortgage</em>"]},"sort":[13.259501,"5605042"]},{"_index":"complaint-public-v1","_id":"3982210","_score":12.497175,"_source":{"product":"Mortgage","complaint_what_happened":"To whom this may concern, I, XXXX XXXX XXXX am writing to inform you of gross negligence, discrimination and dishonesty from my mortgage lender. For a ten year U.S. military veteran, and 8 year mortgage loan officer, it is unbelievable that some Americans could stoop so low. \nI bought home but was not told that the city certifications were not done. This is something you have to do every time after you buy a property in the city of XXXX XXXX Ohio. \n\nThis lender first went by Lender USA LLC. Now they go by Nationwide T and L holdings LLC. They are also the mortgage servicer. \nThey should be immediately fined and stripped of lending and mortgage servicing. They should also pay me for pain and suffering. My mortgage should be forgiven as well by them. \nThese are the violations : Inaccurate information on mortgage statements. It says interest rate is 9 percent on the mortgage statement, however I am actually paying 10.5 percent. \nI paid more than what is said on the mortgage statement. Allot of the payments were not counted. Their Bank should be audited in order to show my payments to Lender USA. Harassment by lender putting Nationwdie on mortgage statement. Mortgage statements generally have that part already as a default. Why this change and why 2 mortgage letters sent same month?? \nFaulty inaccurate next due payment dates on mortgage statements. \n\nLender tricked me into missing mortgage payments in order to forclose on home after learning I wanted to sell home and value went up 100 percent. \n\nRegulation C Regulation X - no special booklets etc ( 1024.1-1024.20 ) List of homeownership counseling ( 1024.20 ). As well as all the other mandates for regulation X Mortgage servicing ( 1024.30-1024.41. ) They are unable to be reached most of time.\n\nRegulation B- Was never provided appraisal or any other written valuation ( 1002.14 ) Regulation Z - I was not notified that I had a high cost mortgage in paperwork or otherwise when I bought home. \nI was got a high cost mortgage but they only pulled my credit. They did not check about job or anything else. This is a violation ( violation code ) ( 1026.34 ). \n\nNationwide T and L holdings had a maintenance man as a realtor, named XXXX. They paid him illegally, to facilitate me buying the home instead of a realtor. Nationwide T and L are located in Texas. \n\nI asked Nationwide T and L holdings if I could sell my home around XX/XX/2020. \nI was told I could sell property. I have proof via email. They even sent me the mortgage payoff numbers. On top of that, they said they would forgive a few months back payments if I sold the home before the end of the year. This made me confident that they were telling the truth. Then I made preparations to put home up for auction. I did not make mortgage payment the next month because I thought I was selling the home. But when it came time to sign off on the auction, Nationwide T and L holdings refused. \nThen they said they would forclose my home if I did not pay $ XXXX in a week from that day. How can my back payments equal $ XXXX? They are trying to When asked them why XXXX, they were not business like at all. I did not get a valid reason. Their record keeping is suspect and should be audited. They totally are unprofessional and untrustworthy. They deserve to be punished. \nThis would not have happened if they would have gotten the certificates from the city like they should have. So I bought home thinking it was ok, not knowing or notified that the certifications were not done. It says nothing about certifications in the contract, so it definitely should have been done. The house has major issues that I am still taking care of. Because of many urgent issues I was unable to pay mortgage on time. But they worked with me, until I made them upset. I insulted them after they lied to me saying I could sell the home. They would not respond, only when I berated them. I tried calling and they do not call back. They refuse to speak to me in person. \nThey also realized that they could auction the home for themselves after they saw the value in the home went from $ XXXX to $ XXXX. \nThey blocked me from making a profit because they would have only get the XXXX that was left on the mortgage. \nOn top of that, Nationwide T and L knows this COVID-19 crisis has many businesses hurting such as mine. They like to prey on others especially when they think people are weak. \nThey put me at a high cost 10.5 percent interest rate initially without any notification. Then later said they would refinance at 9 percent when interest rates are at historic lows currently. My credit is about 600. That to me is a form of predatory lending. Furthermore : 1. In the city of XXXX XXXX, Ohio : Point of sale Inspections are required for residential and commercial properties prior to change of occupancy. This was not done by Lender USA aka Nationwide T and L holdings LLC. \n2. Certificate of occupancy inspection is required for residential and commercial properties prior to change of occupancy. This was not done This was not done by Lender USA aka Nationwide T and L holdings LLC 3. A vacant registration is required as well, and was not done. \n\nFor some reason my XXXX mortgage bill Said it was from Nationwdie T and L holdings This I found particularly troubling. Especially because the state of the nation we are in. I find this very discriminatory and demeaning. \nI also find this very threatening and would like some resolution. I can not get any valid response from the lender/mortgage services. \n\nI would appreciate your assistance on helping me get justice regarding these unscrupulous shenanigans by USA Lender aka Nationwide T and L Holdings LLC. \n\nBest Regards, XXXX XXXX XXXX","date_sent_to_company":"2021-01-16T17:23:18.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"44139","tags":"Servicemember","has_narrative":true,"complaint_id":"3982210","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nationwide T & L Holdings, LLC","date_received":"2020-11-30T22:29:25.000Z","state":"OH","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":["They are also the <em>mortgage</em> servicer. \nThey should be immediately fined and stripped of lending and <em>mortgage</em> servicing. They should also pay me for <em>pain</em> and suffering. My <em>mortgage</em> should be forgiven as well by them. \nThese are the violations : Inaccurate information on <em>mortgage</em> statements. It says interest rate is 9 percent on the <em>mortgage</em> statement, however I am actually paying 10.5 percent. \nI paid more than what is said on the <em>mortgage</em> statement. Allot of the payments were not counted."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Other type of <em>mortgage</em>"]},"sort":[12.497175,"3982210"]},{"_index":"complaint-public-v1","_id":"16024668","_score":12.452895,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/XXXX XXXX XXXX XXXX entered into a Deed of Trust with Jet Lending LLC, whose address is XXXXXXXX XXXX XXXX XXXXXXXX, Texas XXXX. The amount of the Deed of Trust was {$260000.00}. I only wanted {$50.00}, to start a farm. Since I filed for XXXX Exemption. And my home was my Homestead. The Lender from Jet Lending said I had to take that amount and not to worry because the money they loaned me would cover the payments and after a year they would refinance me at a low interest rate. Also after 12 months would be a ballon payment asking for the full amount in 12 months. I was not employed at the time and had just got out of the Hospital from having XXXX. The payments from their money was being drafted out of my bank account. But during the year I received a letter that another company was going to be taking the payments. Then XXXX XXXX XXXX. took over and Foreclosed on my Homesteaded home without proper notice and sold the home to themselves. \nI hired a lawyer and he sent them a letter. The case is still active in the XXXX XXXX XXXX XXXX CASE # XXXX. I then found out that Jet Lending committed Mortgage Fraud. They lied to me about getting the 30 year Mortgage at a low interest rate after 1 year. And they DOUBLE ASSIGNED MY NOTE. This is how the dates went : XXXX. XX/XX/XXXX ( DEED OF TRUST ) FROM JET LENDING LLC TO XXXX XXXX FOR {$260000.00}. \n\nXXXX. XX/XX/XXXX ( ASSIGNMENT ) FROM JET LENDING LLC TO XXXX XXXX XXXX XXXX XXXX. Giving XXXX Collateral Assignment to the Note and Lien for {$260000.00} from the Deed of Trust dated XX/XX/XXXX. \n\nXXXX. XX/XX/XXXX at XXXX XXXX. ( RELEASE ) FROM XXXX XXXX XXXX XXXX XXXX TO GRANTEE XXXX XXXX. RELEASING THE NOTE & LIEN FOR {$260000.00}. Giving XXXX XXXX A TOTAL RELEASE OF THE {$260000.00}. \n\nXXXX. XX/XX/XXXX at XXXXXXXX XXXX. ( ASSIGNMENT ) FROM JET LENDING LLC TO XXXXXXXX XXXX XXXX. Giving XXXX XXXX XXXX a 2nd Collateral Assignment to the Note & Lien from Jet Lending LLC and XXXX XXXX. \n\nXXXX. After XXXX XXXX XXXX FORECLOSES ON XXXX XXXX WITHOUT PROPER NOTICE. The Loan was for a HOME EQUILTY & IMPROVEMENT LOAN.\n\nMy complaint is that Jet Lending LLC, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX all worked together to deceive me and are DECEPTIVE. XXXX XXXX XXXX HAD NO RIGHT TO FORECLOSE ON MY PROPERTY. AND JET LENDING DID NOT HAVE THE RIGHT TO DOUBLE ASSIGNMENT MY NOTE TO XXXX XXXXXXXX XXXX XXXX. IT APPEARS THAT I WAS SCAMMED. PLEASE HELP ME WITH THESE BIG CORPORATE GANGSTERS FROM TRYING TO STEAL MY HOMESTEADED HOME. \n\nJet Lending LLC had no right to DOUBLE ASSIGN my home to XXXX XXXXXXXX XXXX XXXX since Jet Lending LLC hd already ASSIGNED the ASSIGNMENT OF COLLATERAL NOTE & LIEN FOR THE FULL AMOUNT OF {$260000.00} OF THE NOTE & LIEN AMOUNT TO XXXX XXXX XXXX XXXX XXXX. Then after XXXX XXXX XXXX XXXXXXXX WRONGFULLY & ILLEGALLY FORECLOSES on my HOMESTEADED home. AT THAT POINT I WAS GIVEN A FULL RELEASED FILED IN THE XXXX XXXX CLERK 'S RECORDS IN REAL PROPERTY at XXXX XXXX XXXX XXXX XXXX XXXX FILED A RELEASE FOR THE FULL NOTE AND LIEN TO ME GRANTEE XXXX XXXX. \n\nMORTGAGE FRAUD WAS COMMITTED BY JET LENDING FOR A INVALID CONVEYANCE AND FRAUDULENT DOUBLE ASSIGNMENT FILED ON XX/XX/XXXX AT XXXXXXXX XXXX. FROM JET LENDING LLC ASSIGNS TO XXXX XXXX XXXX XXXX. This act of Mortgage Fraud is FELONY and consists of other FELONIES IN THE STATE OF TEXAS. JET LENDING ALSO IS GUILTY OF CREATING A SCHEME TO DEFRAUD ME. AND GUILTY OF CONSPIRACY TO CONSPIRE WITH XXXX XXXX XXXXXXXX BY DOUBLE ASSIGNING THE NOTE & LIEN THEN FORECLOSING NOT GIVING PROPER NOTICE.\n\nI would like these Corporate XXXX to be convicted and fined for their criminal acts against me. I have had to endure pain & suffering and loss of enjoyment for the reasons in my complaint. Please help me. How can I stress at the time I signed the Deed of Trust I did not have a job and no way to pay the mortgage. I had just got out of the hospital with XXXX. I was tricked to sign the Deed of Trust and was never given a copy of what I signed at the Title Company. Jet Lending LLC. forged my signature on a Homestead document and my Mother had to pay money to get a Handwriting Specialist. And his opinion was it is a Forgery. You can see all the documents have no account number or loan number. I had to hire an Attorney. And since I can not afford an attorney he could not represent me anymore. I feel sick that I have to fight for my home and that Jet Lending LLC and XXXX XXXXXXXX XXXX XXXX has committed Mortgage & Foreclosure Fraud and need to be charged for their crimes against me.","date_sent_to_company":"2025-09-18T17:47:16.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"77511","tags":null,"has_narrative":true,"complaint_id":"16024668","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Jet Lending Inc.","date_received":"2025-09-18T17:22:26.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["AT THAT <em>POINT</em> I WAS GIVEN A FULL RELEASED FILED IN THE XXXX XXXX CLERK 'S RECORDS IN REAL PROPERTY at XXXX XXXX XXXX XXXX XXXX XXXX FILED A RELEASE FOR THE FULL NOTE AND LIEN TO ME GRANTEE XXXX XXXX. \n\n<em>MORTGAGE</em> FRAUD WAS COMMITTED BY JET LENDING FOR A INVALID CONVEYANCE AND FRAUDULENT DOUBLE ASSIGNMENT FILED ON XX/XX/XXXX AT XXXXXXXX XXXX. FROM JET LENDING LLC ASSIGNS TO XXXX XXXX XXXX XXXX. This act of <em>Mortgage</em> Fraud is FELONY and consists of other FELONIES IN THE STATE OF TEXAS."],"product":["<em>Mortgage</em>"],"sub_product":["Home equity <em>loan</em> or line of credit (HELOC)"]},"sort":[12.452895,"16024668"]},{"_index":"complaint-public-v1","_id":"1357316","_score":12.4480715,"_source":{"product":"Mortgage","complaint_what_happened":"We have already submitted several complaints about same situation and now I have just found out more information which is destroying us and needs rectified immediately. One of past complaint numbers is XXXX. This should help you get the other and all past case information. Thank you. \nThe new case info I just found is that Bank of America placed info in our credit file that states we had a foreclosure started. I warned them at least 2 years ahead of situation that was coming and they did not do mod until we missed payment. We made late penalty and then made payments during mod process until we were advised by BoA not to any more. But BoA still kept late payment time adding up.BoA messed up several times delaying everything. When finished mod. BoA only extended high interest rate ( 5 3/4 % ) and made loan 40 yrs instead of 2 % for 30 yrs even though our monthly set bills where over the ratio required. Then we missed the XXXX mortgage payments also with BoA and so we went through Save the Dream Ohio and BoA messed up again even with us warning them ahead of time up front not to make the mistake they did. BoA just brought it current which was of no use as we could not make payments and needed it paid off with Save the Dream funds. It took several more months to get BoA to get act together and finally with the remaining Save the Dream funds and added funds we borrowed from Family got XXXX paid off completely. We were told we could refi in 1 year on XX/XX/XXXX. Now have tried and just found out BoA messed up again. BoA placed foreclosure inforemation on our credit report such that 1st they do not have the late payment off untill XX/XX/XXXX not XX/XX/XXXX, then also because of foreclosure info ( which we did not have ) making a XXXX on some refi banking thing. We can not refi untill XX/XX/XXXX at all. BoA is killing our finances and Family. BoA executives should be taken to jail as we at a point were working with the executive offices of BoA. All this requires fixing immediately and even compensation for BoA 's hardships, pain and suffering they have caused us and I am sure many others. \nXXXX XXXX XXXX","date_sent_to_company":"2015-05-01T15:51:27.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional fixed mortgage","zip_code":"43026","tags":null,"has_narrative":true,"complaint_id":"1357316","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2015-05-01T15:51:26.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["BoA executives should be taken to jail as we at a <em>point</em> were working with the executive offices of BoA. All this requires fixing immediately and even compensation for BoA 's hardships, <em>pain</em> and suffering they have caused us and I am sure many others. \nXXXX XXXX XXXX"],"product":["<em>Mortgage</em>"],"issue":["<em>Loan</em> modification,collection,foreclosure"],"sub_product":["Conventional fixed <em>mortgage</em>"]},"sort":[12.4480715,"1357316"]},{"_index":"complaint-public-v1","_id":"19079390","_score":12.352963,"_source":{"product":"Mortgage","complaint_what_happened":"I am reporting numerous errors regarding my mortgage. All of the past modifications have been inaccurate and admittedly so by Wells Fargo starting with XXXXXXXX XXXX XXXXXXXX and with XXXXXXXX XXXX XXXX  along with multiple Respa Act violations. \nI do have all of my documentation from the start. \nI am requesting XXXX look into this and try and rectify my actual balance that I owe, and have sent XXXX via cert. mail this request. \nI realize that this is almost impossible due to Wells Fargo admitting to calculating my modification incorrectly in XXXX XXXX XXXX along with the in and out of foreclosure status while I was trying to do a modification that took from XXXXXXXX XXXX XXXXXXXX ; then while In foreclosure, they sold my loan to XXXX XXXX XXXX with a very hefty amount that they added for foreclosures, attorney fees and numerous other fees. Wells Fargo was in violation of the Respa Act numerous times. I know, its alot and that's just a small explanation of everything. \nSome of the errors include, bankruptcy inaccuracy on one of my modifications, illegally forcing my ex husband to sign a modification when he is not on the loan or deed, putting me in and out of foreclosure status multiple times due to miscommunications between mitigation specialists, stating they were in receipt of needed documents and then stating they did not have the needed documents a day later, stating that I had to do a quit claim deed to my ex husband in order to use him as non-borrower contributor on a form and then making him sign as a borrower, stating that Wells Fargo did not have the quit claim deed, but later admitted the underwriter had it the whole time, but did not see it until after I was put in foreclosure. Wells Fargo then tells me that I didnt do it correctly while stating they were sorry for telling me to do the quit claim deed like that. Wells Fargo has also held up all of my modifications due to stating they received my documentation and then saying they did not have it, which, in turn, made each modification take longer and longer due to having to keep starting over. \nI called HUD and XXXX XXXX spoke with Wells Fargo a few times, telling them the process they were using was not correct. I also had FHA stating that the practices were incorrect and they would be calling them. At one point, when I told one of the Wells Fargo mitigation specialists about what FHA stated, they said \" Uh oh, we're about to get trouble '' not sarcastically, but worried. \nAll this time with these modifications, I was told to hold off on sending any payment until the process was complete because it would just go into a holding account and if I was not approved, I would lose that money. \nI really feel like my mortgage is paid in full, once you subtract all of the foreclosure fees, attorney fees, interest fees, the countless hours I was on the phone, going back and forth to the library and XXXX  to fax things. I literally missed seeing my kids from XXXX due to constantly being on the phone trying to secure my home. That is the absolute most stressful time of my life. Suffering and stressing put while I had XXXX XXXX  and dogs thinking I was about to be homeless was almost too much to handle. \nI was told by XXXX, my XXXX at XXXX in XXXX ( I think it was XX/XX/XXXXXXXX  ) that I was approved for a FHA Supplemental Repayment Plan to start in XX/XX/XXXXXXXX  for {$960.00} per month. I called XXXX back in XX/XX/XXXXXXXX  and she said I was not approved. \nI was concerned because that meant I was way more in debt than I thought. I was mailed letters from XXXX stating that \" due to the complex nature of my account, to please give them more time '' at one point, after six ( 6 ) of these letters, I called my POC, XXXX, and she could not even find the letters. \nI also received letters from XXXX  stating that due to not being able to verify my unemployment along with stating that I refused other programs, so the decision was made that I am not approved and foreclosure proceedings were about to begin. I am not unemployed and haven't been since XXXX  when my first modification was done due to hurricane XXXX and being out of work. \nI purchased my home in XXXX  for $ XXXX and now, with a $ XXXX balloon and another amount about to be added as a balloon, I owe $ XXXXXXXX XXXX  ( XXXX ) years later?? \nAll of my payments that I have made since XXXX have paid more than $ XXXX plus interest and do not feel like I owe any more money. I feel like I am owed for pain, suffering and stress along with the fees added, foreclosures, attorney fees... etc for the years It took for a simple task of doing a modification when a customer is In need, should have been simple. All of my modifications were done inco, one after the other with incorrect numbers. It took months and years to complete the modifications. \nI have all of my documents from Wells Fargo, XXXX, XXXX from XXXXXXXX XXXX now if you need them, just let me know.","date_sent_to_company":"2026-01-28T20:06:48.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"70791","tags":null,"has_narrative":true,"complaint_id":"19079390","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-01-28T19:29:10.000Z","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":["At one <em>point</em>, when I told one of the Wells Fargo mitigation specialists <em>about</em> what FHA stated, they said \" Uh oh, we're <em>about</em> to get trouble '' not sarcastically, but worried. \nAll this time with these modifications, I was told to hold off on sending any payment until the process was complete because it would just go into a holding account and if I was not approved, I would lose that money."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[12.352963,"19079390"]},{"_index":"complaint-public-v1","_id":"6793909","_score":12.159904,"_source":{"product":"Mortgage","complaint_what_happened":"HELLO MY NAME IS XXXX XXXX AND MY BROTHER XXXX XXXX. WE ARE THE XXXX OF XXXX XXXX WHO WAS THE BORROWER ON THE LOAN WITH PPH MORTGAGE. MY MOM PASS AWAY ON XX/XX/XXXX. SOON AFTER WE WENT TO PROBATE COURT BC SHE PASSWD WITHOUT A WILL. SO WE GOT A DOCUMENT CALLED LETTER OF ADMINISTRATION SAYING WE WAS HER XXXX. IN THAT TIME WE CONTACTED PPH LETTING THEM KNOW WE WANTED TO KEEP THE HOUSE, SHE [ MY MOTHER ] SAID IF ANYTHING HAPPEN TO HER THE HOUSE WOULD BE PAID OFF. \nSO THE DOCUMENTS REQUESTED FROM YALL WAS MY ID, MY BIRTH CERTIFICATE, THE LETTER OF ADMINISTRATION, MY MOM DEATH CERTIFICATE, AND MY INCOME AT THE TIME. SO WITH THAT MY BROTHER AND I BECAME SUCCESS OF INTEREST ON THE ACCT. MEANING I HAD THE RIGHTS TO TALK ABOUT THE ACCOUNT. SO IN XXXX WE COMMUNICATED SEVERAL TIMES ON THE ACCOUNT. SO A MODIFICATION WAS TALKED ABOUT TO HELP US. SO WITH TERMS OF THAT WE HAD A 3 MONTH TRIAL ON PAYING THEN WENT TO 6 MONTHS WE PAID AND THEN IT WAS ISSUES ONCE AGAIN WITH YALL NOT RECIEVING PAYMENTS FROM US AND WE SEND THROUGH XXXX XXXX SO WE COULD HAVE PROOF IT GOT TO PPH. WE HAD TO DO MODIFICATION AGAIN SAME TERMS WE FOLLOWED THEN AGAIN WENT THROUGH MISSING PAYMENTS SO IT BECAME VERY FUSTRATING AND NERVE WRECKING. TALKING WITH DIFFERENT AGENTS BECAME AN ISSUE BC WE WAS TOLD DIFFERENT INFORMATION EVERYTIME UNTIL I STARTED ANXIETY ATTACKS FROM BEING TOLD YALL DIDNT RECIEVE DOCUMENTS GIVING ME EMAILS THAT DIDNT WORK AND SAYING ALL THE TIME ITS GONE TAKE 10 DAYS TO UPDATE IN THE SYSTEM THEN XXXX TO MAKE A DECISION NUMEROUS TIMES VERY UPSETTING TO ME SO I STARTED LETTING MY BROTHER TALK WITH PPH. SO A XXXX NAME XXXX XXXX WAS ASSIGN TO THE ACCOUNT. HE WAS THE ONLY ONE TOLD US WHY THE MODIFICATIONS WAS NEVER COMPLETE. WE NEEDED A FAMILY TRANSFER PACKET COMPLETED WHICH WE WAS NEVER INFORMED UNTIL HE TOLD US WHY WE WAS HAVING A PROBLEM EVERY SIX MONTHS WITH THE MODIFIFCATION. SO AGAIN WE HAVE RESUBMIT MORE COPIES OF PREVIOUS DOCUMENTS ALREADY SENT IN. SO OUR QUESTION WAS WHERE IS OUR INFORMATION AT, WAS TOLD MAYBE IN A DIFFERENT DEPARTMENT. IRRATATED ONCE AGAIN BECAUSE WE ARE NOT MOVING FORWARD. SO WE SENT REQUIRED DOCUMENTS IN AGAIN PLUS PAPERWORK THAT HAD TO BE SIGNED AND XXXX EXPLAIN HE COULD MAKE ANYTHING HAPPEN IN THAT OFFICE BC MY BROTHER CLEARLY ASK HIM WAS WE GONE GO INTO FORECLOSURE HE SAID NO AND XXXX WE TRIED TO MAKE A XXXX AND XXXX PAYMENT THEY RETURNED IT TO US SAYING NOT TO MAKE ANY MORE PAYMENTS UNTIL FUTHER NOTICE WHICH HAS PUT US BEHIND FOR A WHOLE YEAR NOT BC WE COULDNT PAY BUT BC WRONG INFORMATION BEING SAID TO USE. WE REACH OUT TO XXXX AND HE WAS NO LONGER ON THE ACCT TO BE THE AGENT. WOW SO NOW AGAIN WE SPEAKING WITH DIFFERENT AGENTS TELLING US THIS THAT AND THE THIRD. WE HAVE EMAILED FAX SENT CERTIFIED DOCUMENTS TO THE OFFICE IN FLORIDA AND NEW JERSEY. SO NOW BEING TOLD NO MORE MODIFICATION BC THE LOAN AMOUNT IS LESSER THAN WHAT THE VALUE OF THE HOUSE IS NOW. SO ARE PUT IN A NO WIN SITUATION BC OF MISLEADING INFORMATION WE HAVE DID OUR PART WITH SENDING IN DOCUMENTS REQUESTED AND BC THE EMAILS ARE WRONG OR DIDNT RECIEVE SO TO SAY GIVING US THE RUN AROUND AND RESENDING DOCUMENTS HAS BEEN NERVE WRECKING AND CAUSE ALOT OF TIME COSUMING AND PAIN AND MENTALLY STRESSED BEHIND ALL OF THIS. NOW WE ARE TOLD A REPAYMENT IS THE ONLY OPITION. AND WE ARE BEHIND NOT BC OF US ITS BC OF THE INFORMATION NEEDED OFF HAND WASNT TOLD TO US. IT WAS NEVER A PROBLEM WITH US MAKING PAYMENTS AT ALL. MISLEADING INFORMATION AND TOLD BY DIFFERNT AGENTS SOMETHING DIFFERENT CAUSED ALOT OF CONFUSION. SO NOW WE HAVE BEEN AGAIN PUT IN A POSITION FOR THE HOUSE TO FORECLOSE ON AND WASNT TOLD THIS BY PPH BUT BY A CONSUMER THAT CAME TO THE HOUSE THAT HE SEEN IT ONLINE. WOW DEALING WITH THIS MORTAGE COMPANY HAS US TO WORRY AND STRESS BEYOND MEASURES. AND I CANT UNDERSTAND WHY ANYONE WHO HAS A MORTAGE WITH THIS COMPANY HAVE TO GO THROUGH THIS MUCH PAIN AND STRESS JUST TO KEEP THE HOUSE WE GREW UP IN BULIT FROM GROUND UP TO BE PUSHED TO THE POINT OF MAKING US GIVE UP BUT WERE NOT BC YALL ARE WRONG IN SO MANY WAYS.","date_sent_to_company":"2023-04-04T16:18:21.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"30518","tags":null,"has_narrative":true,"complaint_id":"6793909","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2023-04-04T15:50:56.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["AND I CANT UNDERSTAND WHY ANYONE WHO HAS A MORTAGE WITH THIS COMPANY HAVE TO GO THROUGH THIS MUCH <em>PAIN</em> AND STRESS JUST TO KEEP THE HOUSE WE GREW UP IN BULIT FROM GROUND UP TO BE PUSHED TO THE <em>POINT</em> OF MAKING US GIVE UP BUT WERE NOT BC YALL ARE WRONG IN SO MANY WAYS."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[12.159904,"6793909"]},{"_index":"complaint-public-v1","_id":"7832721","_score":12.028331,"_source":{"product":"Mortgage","complaint_what_happened":"I've been in loss mitigation for this loan for some time. Due to a problem with IRS, I did not have the documents needed to complete the application and remained in touch with the loss mitigation team. During a recent disaster declaration on our island, XXXX XXXX  cancelled my loss mitigation process and put the loan into forclosure. \nI worked with HUD and a HUD housing counselor who got onto a conference call with the mortgagor. This was very helpful as the mortgagor has been difficult to deal with and has made statements that I know to be untrue. \nThis call was on or are XX/XX/XXXX of XXXX. There was a list of 5 documents that although each has been provided, the representative we worked with claims not to have ever received. \nThe five documents include page one and 2 of the application, a hardship letter, a letter explaining my income, one of the following 2 most recent bank statements showing self employment deposits amounts ( this is what I included ), quarterly profit/loss statement, most recent complete and signed business tax return or the same personal tax return ( this was previously provided as well as as completing and signing the form for a transcript of tax returns-personal and business tax return is the same as I file as a single member llc ). \nAll of these documents were again uploaded to the portal on or around the XXXX of XXXX. I did not \" double '' my submission that time by also emailing the documents although that became my standard practice following this communication. \nI separately sent an email requesting the pay off and recent statement be sent to me, this was printed signed and emailed as requested. \nThe payoff statement has not been received and the request ( wet signed and dated ) was again sent on XX/XX/XXXX via email and postal mail. \nXXXX XXXX continued to claim that did not have the documents in their possession. \nAgain, a call with the HUD Housing Counselor was made with the loss mitigation department. They again claimed not to have the documents. We questioned this specifically but the rep could not confirm what was uploaded or emailed. She could not follow up on previous document submissions, could only read the screen that said they weren't there. \nOn XXXX, the same documents were emailed to the loss mitigation department as instructed as well as uploading to the portal. My HUD counselor recommended reaching out to Consumer Finance Protection division as you are the correct entity to complain to-she seemed to agree that we were getting the run around. \nOn XXXX I sent a hard ship letter that was requested during the hud counselor call, it was not sent on the XXXX as it had not been created yet. This letter is the same exact information that is asked of me every single time I call in, it relates to the events and circumstances that led to the hardship. I personally feel that this practice of forcing those of us in uncertain times to revisit the pain and loss that we suffered in order to speak with the mortgage company cruel and unusual punishment. Nevertheless, the letter was written, ink signed, and dated. \nOn XXXX first, I received a call which I thought was in reference to my message following up on the pay off statement. The representative from the loss mitigation department had no information about that. I was not surprised to find they were again citing \" missing '' documents. \nNow they state that if the documents I sent were the \" two most recent bank statements with self employment income '' that I should write a letter, print it, and ink sign it, scan it back in and send to them to certify that the documents I sent were in fact the \" two most recent bank statements with self employment income ''.\n\nThe tax returns submitted and the signed release for transcript submitted months ago so they could request copies from the IRS did not seem to qualify although the requirement was for EITHER two most recent... or the complete signed and dated business/personal tax return of which they had ALL.\n\nIn other words, they are requesting additional documents of me. 2 bank statements OR 2 tax returns is the requirement-not 2 bank statements, 2 tax returns and a letter explaining why these are the documents.\n\nTo date, I am going to lose my home to forclosure because the company will neither work with me in good faith towards a loan modification nor provide the pay off so that another mortgager can take over the loan.\n\nAt this point, I can't reduce the mortgage because of the cat and mouse games with the required documents. I have another lender but can not pay it off without a pay off number.","date_sent_to_company":"2023-11-10T21:04:56.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"337XX","tags":null,"has_narrative":true,"complaint_id":"7832721","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Dovenmuehle Mortgage, Inc.","date_received":"2023-11-10T20:42:39.000Z","state":"FL","company_public_response":null,"sub_issue":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu"},"highlight":{"complaint_what_happened":["To date, I am going to lose my home to forclosure because the company will neither work with me in good faith towards a <em>loan</em> modification nor provide the pay off so that another <em>mortgager</em> can take over the <em>loan</em>.\n\nAt this <em>point</em>, I can't reduce the <em>mortgage</em> because of the cat and mouse games with the required documents. I have another lender but can not pay it off without a pay off number."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"company":["Dovenmuehle <em>Mortgage</em>, Inc."],"sub_product":["FHA <em>mortgage</em>"]},"sort":[12.028331,"7832721"]},{"_index":"complaint-public-v1","_id":"4331761","_score":11.995731,"_source":{"product":"Mortgage","complaint_what_happened":"Hello I am reaching out today because I have nowhere else to turn trying to get resolution to an issue with Wells Fargo. On XX/XX/XXXX of last year I went to the wells fargo site conducting my regular home banking to make sure payments went out for mortgage and other simple banking items. On the page I saw a link that said they would help with covid something and I clicked to read article. At that time there was a note that said there was nothing else I needed to do. Not knowing what that meant I immediately contacted wells fargo and told them what had happened and ask them to do nothing to my account and that I did not agree to anything being done to account and the person said it would take up to 10 days so I assumed nothing had happened. About that same time my neighbor had gotten a home refinance at a rate of 2.8 so as mine is 4.8 I inquired about who he did it with and I called to set refinance in motion not realizing wells fargo has done something to my account. On XX/XX/XXXX I went to check payoff of account because I knew it would be requested at some point and noticed forbearance on XX/XX/XXXX so I called wells fargo and ask them what this was and why and they said I had requested it and again I told them no i did not want it and please remove. ( I have a recording of this call because Ga is a one party state and wells fargo says calls may be recorded ) I was told it would take ten days so ok it would be removed. After that I received a letter telling me they had complete task I ask them and again I called to tell them i did not request that. After that call my payment XXXX Automatically withdrawn from my XXXX retirement pay ) did not get withdrawn so another call to wells fargo and they told me because I ask for the forbearance my allotment automatically ended and I never received any notice of this. I was quite upset with them because now I have to set up allotment again but I did and I made the payment that was due on day it was due so I have never missed or been late for a payment. But, after that I was denied on the refinance loan because my account was required to have 3 or 6 months paid before they would consider my refinance. ( Credit scores of XXXX and XXXX denied loan ) I have beat my head against a wall with these folks for over a year and after more conversations I called XXXX I assume corporate ) and spoke with a person and explained all this ( I have documented and received documents to prove ) and ask for wells fargo to lower my rate out of good faith because I did not cause issue and was promptly told the only way that could happen is refinance with wells fargo but rate would be more. I have attempted to find an attorney and if I do I will ask them in court to remove my payment because this has been nothing but severe pain for a year and no one cares. 21 years in the XXXX and now another 20 working for the XXXX it amazes me how they can just XXXX on customer and not even blink. I apologize for the lengthy note and have more but, that's the just of my issue i would like help with if possible.","date_sent_to_company":"2021-04-27T22:40:46.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"318XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4331761","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-04-27T22:21:28.000Z","state":"GA","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":["<em>About</em> that same time my neighbor had gotten a home refinance at a rate of 2.8 so as mine is 4.8 I inquired <em>about</em> who he did it with and I called to set refinance in motion not realizing wells fargo has done something to my account."],"product":["<em>Mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[11.995731,"4331761"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":67,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":67}]}},"product":{"doc_count":67,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":58,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":29},{"key":"FHA mortgage","doc_count":13},{"key":"VA mortgage","doc_count":6},{"key":"Other type of mortgage","doc_count":3},{"key":"Conventional fixed mortgage","doc_count":2},{"key":"Home equity loan or line of credit (HELOC)","doc_count":2},{"key":"Home equity loan or line of credit","doc_count":1},{"key":"Reverse mortgage","doc_count":1},{"key":"USDA mortgage","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":5},{"key":"Credit repair services","doc_count":2}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":1}]}}]}},"issue":{"doc_count":67,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Struggling to pay mortgage","doc_count":25,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, 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