{"took":142,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":43,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2310421","_score":17.48343,"_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":["The bottom line is that this is the second time that I have submitted a formal <em>complaint</em> to CFPB <em>about</em> this practice at PennyMac. It is a heavy burden to write a large check every month for my <em>mortgage</em> and not know whether I will receive the credit that I am supposed to receive under law. At this <em>point</em>, it is clear that this is not an isolated incident with PennyMac. I will enclose an official Certificate of Mailing from the U.S."],"product":["<em>Mortgage</em>"],"sub_product":["Conventional fixed <em>mortgage</em>"]},"sort":[17.48343,"2310421"]},{"_index":"complaint-public-v1","_id":"3007898","_score":16.230366,"_source":{"product":"Mortgage","complaint_what_happened":"I previously filed a complaint against this bank, XXXX XXXX. I read their response to my concerns and I disagreed with their version for the reason they wanted to increase my mortgage amount by more or less than 25 % of the original agrreed amount. \n\nTherefore, I am writing this note responding to their explanation for the so-called error they claimed they have made. \n\nIn their response, they have stated that the reason they wanted to increase my mortgage was because an insurance company, Florida Specialty, did not want to issue a policy on the property due to underwriting issues. \n\nWell, if that was the case, I should have heard aboout it, directly, either from the insurance company explaining to me the underwriting issue they are referring to, or, from the Agent, himself. I heard nothing other than a new payment book from the bank telling me what my new monthly was going to be. \n\nIn fact, when I called the bank to ask them to explain the reason they sent me a new payment amount after I have been making payments for the agreed amount ( {$1300.00} ) instead of XXXX XXXX dollars, they did not mention of having a problem with insurance. Instead, they said that they made a mistake calculating the first mortgage payment they gave me which amount I have been paying to them for about two months. \n\nAt that point, I asked them : if you claimed that you made mistake in calculating the {$1300.00}. \n\nwhat else did you make mistakes about in this transaction? \n\nI think their blaming misconduct on the insurance company is a startegy on their part to circumvent the rules and to cover their track because they realized that someone was paying attention to what they were doing and they got caught. They should be allowed to get away with a vialoation like that has caused me so much pain and suffering to the point where I came close to losing my livelihood, my job. \n\nBesides, if that was true that the insurance company was ready to cancel a policy that they already issued on the property, they should have told me about as well and immediately return the check they received for the primium for almost two months prior. No on that happened. \n\nBut, I received a check from for {$440.00} after I filed my complaint with CFBP. Why didn't I receive such a check long time ago? Again, someone is covering their tracks to prevent CFBP discovering the abuse that they have intended to inflict on me, as a consummer. \nThat's waht is going on. \n\nTheir misconduct affected my health and my daily living. I don't want another little guy like myself to fall victims to big predatory acts like where the consummer feels this is case between XXXX and XXXX and little XXXX does not stand a chance against such a gaint who has at his disposition all sort of clever excluses not be held accountable for their actions. \n\nA violation occurred here and it should not be pushed on under the rug like this ; like it's nothing while the consummer has big wounds showing the abuse he has endured from this major institution who has no intention to take any responsability for the harms their actions have caused.","date_sent_to_company":"2018-09-01T20:40:15.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"32258","tags":null,"has_narrative":true,"complaint_id":"3007898","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EVERBANK, NATIONAL ASSOCIATION","date_received":"2018-09-01T19:36:10.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Instead, they said that they made a mistake calculating the first <em>mortgage</em> payment they gave me which amount I have been paying to them for <em>about</em> two months. \n\nAt that <em>point</em>, I asked them : if you claimed that you made mistake in calculating the {$1300.00}. \n\nwhat else did you make mistakes <em>about</em> in this transaction?"],"product":["<em>Mortgage</em>"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[16.230366,"3007898"]},{"_index":"complaint-public-v1","_id":"3237378","_score":15.682495,"_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":["My <em>complaint</em> is harassment  and penalizing  treatment by Midland <em>Mortgage</em> aka Midfirst <em>Mortgage</em> 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 <em>mortgage</em> terms after purchase of loan from XXXX XXXX. \n\nXXXX XXXX XXXX Midland <em>Mortgage</em> purchased my <em>mortgage</em> from XXXX XXXX."]},"sort":[15.682495,"3237378"]},{"_index":"complaint-public-v1","_id":"3237510","_score":15.02473,"_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":[15.02473,"3237510"]},{"_index":"complaint-public-v1","_id":"1357316","_score":12.68463,"_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>"],"sub_product":["Conventional fixed <em>mortgage</em>"]},"sort":[12.68463,"1357316"]},{"_index":"complaint-public-v1","_id":"4987142","_score":12.366459,"_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":["Examples of common <em>mortgage</em> <em>complaints</em> include : Refinancing or modifying a <em>mortgage</em> loan Misreporting <em>mortgage</em> account status to you or to credit reporting agencies for those homeowners who do not have federally financed <em>mortgages</em>, the CARES Act provides <em>mortgage</em> forbearance by giving those homeowners the right to request and obtain a forbearance for up to 180 days."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[12.366459,"4987142"]},{"_index":"complaint-public-v1","_id":"5909417","_score":12.162441,"_source":{"product":"Mortgage","complaint_what_happened":"Wells HFargpo Home Mortgage ( WFHM ) is attempting to renege on our pre-agreed mortgage adjustment after a CARES Act forbearance and a disaster mortgage deferral. Conveniently, this action began soon after the interest rate environment made the interest rate locked for that adjustment undesirable to WFHM. It remains an open question as to how much this nefarious behavior by WFHM has expanded since the interest environment provided the bank with a string profit motive to do so. \nFurthermore, the banks errors and mishandling of my case demonstrate the banks continued activity flouting the requirements laid out in the XXXX XXXX Summary judgement against WFHM ( XXXX ) First some established facts : 1. I am a proven good faith actor : I have a perfect track record in making payments and providing documents and responses over 8 year 2. WFHM is an actor with a track record of consumer abuse, fraudulent and negligent behavior with numerous class action and regulatory actions against them. In the course of this one case, WFHM has missed committed deadlines and created long delays in at least 4 different incidents WFHM is guilty of several wrongdoings : 1. Failing to abide by our mortgage adjustment agreement by countersigning and allowing execution of the contract. This was despite clear actions that bind us in our contract : a. Having a verbal commitment from me as an identity-verified counterparty on a recorded call stating for the record that I have absolute intent to sign, notarize and send in this contract, and a confirmation by WFHM that the sending of said contract represents a commitment to that contract under law. WFHM has established numerous oral agreements with me for years, so the precedent and expectation had been set. \nb. Cancelling the mortgage modification on false and/or grossly unjust pretenses : i. Cancelling the mortgage adjustment for lack of a signed contract despite being in possession of the signed notarized contract at the time of cancellation. on XX/XX/XXXX because they had not received the contract by that time. My XXXX tracking data indicates the package was sent guaranteed 2-day A.M. delivery on XX/XX/XXXX. The package was not accepted by WFHM until XX/XX/XXXX. 2 days later, WFHM cancelled the mortgage adjustment even though they possessed the signed contract ii. That contract had already been sent to WFHM back in XXXX. The contract was notarized on XX/XX/XXXX by a notary AT a Shipping store. While I do not have tracking info for that package, it is clear that WFHM had a contract that had been signed and notarized back in XXXX when they cancelled the mortgage adjustment. \niii. I received no communication indicating that we were at risk of missing a new deadline before that deadline had passed. I called WFHM in XXXX, weeks after sending the contract, which was the conversation where I learned they had not received the contract. They never attempted to notify me of this. Once I learned this information, I verbally committed to the contract and committed to sending the contract. I did then suffer a series of health crises, including escalating XXXX pain from a Long XXXX condition that required immediate XXXX XXXX  XXXX. WFHM I claims to have sent a notification that the final deadline for submitting the contract was XX/XX/XXXX. If I had that communication, there is no way that I would have sent the package 2 day. I would have overnighted it. I did not learn if this deadline until a mailing I received ion XX/XX/XXXX. At that point, I immediately called WFHM, as their recorded calls will support. WFHM has no evidence that I received any notice of such a deadline. From my perspective, they somehow lost the first contract, I committed to sending a second, and I did so. 2 weeks later, they communicated a backdated deadline I could not possibly meet 2. Representing delayed written communications, delays in their processing of incoming mail, and failures to receive signed notarized documents as lost in the mail or never sent despite clear evidence of massive delays in their processing of incoming mail. Yet asserting that all of their mail would have arrived on a timely basis, despite us not having received crucial information about contract deadlines 3. Failing to respond on a timely basis to complaints about these issues in a manner violating the OCCs requirements Banks failure to timely detect, prevent, and quantify inaccurate loan modification decisions and failure to fully and timely remediate harmed customers. This included a. the escalation process is 2 months and counting, despite repeated commitments that it would be resolved earlier b. failure in 4 incidents to meet committed turnaround times when escalation complaints were submitted. \n4. Providing misleading information and unreasonable delays to create a payments crisis situation for customers : a. WFHM has still not made its decision, but has already begun sending default notices. WFHM refused to move that deadline despite repeated processing delays. I will have AT MOST 7 business days to come up with $ XXXX to make the account current, or face default proceedings. Even if I can manage to do so, it would require incurring massive cost in equity value losses and tax expenses. It will force me to drain my 401k/IRA retirement savings prematurely during a down market. Even then, the lead time may not be enough to liquidate assets, transfer the funds b. WFHM case manager represented on a recorded call they would offer to spread that $ XXXX of accrued mortgage payments due to COVID forbearance /Natural Disaster over 6 months. 2 weeks later, once I trioed to set up a payment plan they reversed course and declined that option 5. Committing financial institution negligence - failing to respond to my complaint, and failing to respond to all key elements of that complaint. They actually falsely lead me to believe that they were evaluating my complaint all along that time, and still have not directly responded to most of the contents of this complaint. I gave 3 primary reasons why they were at fault : ( 1 ) UPS tracking # proving their receipt of the contract before cancellation ( 2 ) oral commitment to the contract ( 3 ) the fact that I had mailed in the contract back in XXXX from a mail store where we were physically present, since they were our notary. After two months their response did not address a single one of these issues. It was a gross non-response.","date_sent_to_company":"2022-08-23T20:33:33.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"11211","tags":null,"has_narrative":true,"complaint_id":"5909417","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-08-23T20:22:37.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Yet asserting that all of their mail would have arrived on a timely basis, despite us not having received crucial information <em>about</em> contract deadlines 3. Failing to respond on a timely basis to <em>complaints</em> <em>about</em> these issues in a manner violating the OCCs requirements Banks failure to timely detect, prevent, and quantify inaccurate loan modification decisions and failure to fully and timely remediate harmed customers."],"product":["<em>Mortgage</em>"],"issue":["Applying for a <em>mortgage</em> or refinancing an existing <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[12.162441,"5909417"]},{"_index":"complaint-public-v1","_id":"3472537","_score":12.130171,"_source":{"product":"Mortgage","complaint_what_happened":"I am reaching out to you because I need help with my mortgage company. I feel I am being treated unfairly and i need to know my rights and what if any recourse I have. I was with Ocwen LLC when i was notified that the mortgagee co was being brought by PHH mortgage ( XXXX XXXX ). The next thing I received was a return of the last 4 or 5 payments with a note indicating that my mortgage increased, it asked that I add the increase. \n\nAlso, I added the increase, returned the payments and paid two additional payments. I spoke to a rep to ensure we were on the same page as far as how much I owed. Originally, they had erroneous information, but i keep good records, so we got it all straight over the phone. I then went into the bank and requested a cashiers check for XXXX and another XXXX and sent off. A few weeks later, I get a letter stating that my home is in foreclosure, my mom and I received calls and letters from real estate investors asking about buying my house. ( My mom lives in Florida ; we share the same first and last name ) After weeks of calling tirelessly and struggling to speak with a rep who spoke clear english and never being able to speak to a manager, I discovered that the company did not know where my XXXX check was, they started an investigation and I began communication with the research department. \n\n\nDuring this time, I called the department several times to follow up and no one EVER once called me, despite ensuring me that they would. I have recorded most of the dates, agent ID 's and outcomes of these conversations. The research dept advised me not to send in XXXX and XXXX payments until they located the {$6300.00} check. Meanwhile, my financial institution ( XXXX XXXX ) did their own research and I soon discovered that the XXXX check was cashed on XX/XX/2019 which was 4 days after it was sent. \n\n\nI sent evidence to PHH mtg co but still I heard nothing. I have sent certified letters requesting written acknowledgment of the current situation for my records, they sent a letter stating ( literally ) that they received my letter, and nothing more. I never wrote a letter, I wrote a complaint and sent it to them CERTIFIED. It was not even acknowledged by the company. Nevertheless, they eventually sent the XXXX check back to me, it was written to their company, ( so it was cashed! ) they then stated that the check had been REJECTED on XX/XX/XXXX when they CASHED and LOST it. I was deeply offended by this. After months of waiting, they casually dismissed me and LIED on me statmg that my payment had been rejected. They also returned the XXXX check which was never cashed. Again, I say that at no point was my mortgage 90 days behind! Therefore, I should never be in foreclosure status ; also, I was unable to pay in XXXX or XXXX ( according to PHH ) and I do not feel that I should be treated that way. For example, they would only accept certified funds to be wired or sent electronically and that I had to send no later thanXX/XX/2019 etc. This when i was not in FORECLOSURE! \n\n\nI do not feel comfortable with this company, I want this cleared up and I want it acknowledged that they made an error. Why should I be on a foreclosure list or have my credit destroyed? why should my elderly mother be called and harassed and made to think that the only child she has to depend on is in a financial upheaval. \n\n\nI am tormented and harassed by investors constanty either via phone call or mail, a few have come to visit me. The mortgage company is causing me stress and pain as they wont communicate effectively.Someone came and served me as a clerk of the court and invited me to a foreclosure meeting scheduled in XXXX after XXXX!!!! \n\nI have even reached out to XXXX the law firm handling the case and they weren't much help but suggested I get my own lawyer because the things i was stating sounded strange. I refuse to allow a company to treat me this way and I am reaching out to you to know if I have any recourse in this situation. Since then, I have reinstatesd the mortgage based on my correspondance with XXXX  lawgroup. I sent them XXXX, XXXX on XX/XX/XXXX and I have paid my XXXX mortgage. However, I feel I have been charged wrongly as my mortgage was never 90 days late. Also, they have added another XXXX to my mortgage and have not described what the fees are for. \n\n\nhave documented everything. I hope i don't have to take this treatment from my mortgage company lying down. \n\nSincerely,","date_sent_to_company":"2019-12-20T17:17:42.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"20020","tags":null,"has_narrative":true,"complaint_id":"3472537","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2019-12-19T15:53:02.000Z","state":"DC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The <em>mortgage</em> company is causing me stress and <em>pain</em> as they wont communicate effectively.Someone came and served me as a clerk of the court and invited me to a foreclosure meeting scheduled in XXXX after XXXX!!!! \n\nI have even reached out to XXXX the law firm handling the case and they weren't much help but suggested I get my own lawyer because the things i was stating sounded strange."],"product":["<em>Mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[12.130171,"3472537"]},{"_index":"complaint-public-v1","_id":"11062396","_score":11.371004,"_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":["XX/XX/year> To : Shellpoint <em>Mortgaging</em> Service This <em>Complaint</em> is to Report Fraudulent Fees {$6300.00} Indiscriminately Added to my XX/XX/year> <em>Mortgage</em> Statement, and to request they be removed immediately. \n\nThis is also to report Underhanded, Misleading Behavior and Actions on the part of Shellpoint <em>Mortgage</em> Loan Servicing Employees, ie Customer service and loss mitigation personnel, et al over the last 2.5 months."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[11.371004,"11062396"]},{"_index":"complaint-public-v1","_id":"16024668","_score":11.204803,"_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":["I have had to endure <em>pain</em> & suffering and loss of enjoyment for the reasons in my <em>complaint</em>. 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 <em>mortgage</em>. 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."],"product":["<em>Mortgage</em>"]},"sort":[11.204803,"16024668"]},{"_index":"complaint-public-v1","_id":"5605042","_score":11.165587,"_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":["On XX/XX/XXXX I sent a feedback in response from Liberty Mutual to provide them feedback on my experience with Liberty Reverse <em>Mortgage</em>. 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 <em>complaint</em>. I told her what I wrote in that <em>complaint</em> was <em>about</em> 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."],"product":["<em>Mortgage</em>"],"issue":["Closing on a <em>mortgage</em>"],"sub_product":["Reverse <em>mortgage</em>"]},"sort":[11.165587,"5605042"]},{"_index":"complaint-public-v1","_id":"3906419","_score":10.67618,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had XXXX credit score as shown when I was buying a SUV to lower my interest also in the process to refinance my Mortgage, I work hard to pay early and do the right thing, in XX/XX/XXXX my dealership pulled my credit it showed perfect credit at XXXX score and had order the color and options I wanted, when the new SUV arrived it took 35 days to order so the dealer had to run my credit again, this time it showed XXXX score and with 3 collection from around XXXX, it wasnt my and I could buy that SUV because the score, same time my Mortgage was also declined for refin. It was from Equifax Bureau, so I disputed those collection finally after months is calling and worries they removed those collection but it showed a XXXX score, because they comprised my personal info and leak of my info it cost me to paid higher interest cost me XXXX of dollars, because of them my score from other bureaus dropped my score. I couldnt get a loan for nothing, because my payment was too high due to higher interest rate at that time plus I was XXXX  for my mom and XXXX XXXX of her, I had to sell my items even my house because my mom passed and lots of bill came to me, I couldnt even finance a pencil. When Equifax removed my those negative item it took my score that I build so hard and doing the right thing, I though the nightmare was almost over than XXXX  Bureau did the same, it was Negative or collection but it showed I was deceased, yes show I was dead!!! Wow after all I went through with Equifax now I had to deal with XXXX, I put in a complaint and dispute because Im not deceased, they put my score to XXXX, I was trying to rebuild and hoping Equifax give me my credit score back because what they did, but instead no reinstatement of my score but base on the XXXX  at deceased XXXX score it went even lower to XXXX with Equifax that dropped my XXXX  to mid XXXX, I dont know when did XXXX put I was deceased but it has to be in XX/XX/XXXX because we try to buy the lease I was in because lease was ended I was trying to finance to keep my SUV because all the lease payment I paid. So we found out what XXXX  did I was deceased in their system and because that other Bureau was mid XXXX, so I lost my SUV and it had little damage on it so lease company charged me a fees and double on damaged over {$6000.00} and I had to borrow payday loan so I can take my kid to see a doctor and I had to fix my older car due to lost of my SUV I had no choice but to borrow high interest rate loan like 35 % interest, after I sold my house at the first issue in XXXX and pay off most creditor but couple send me to collection ; and I couldnt buy a home because those collection, I had to rent a small 3 bedroom townhome with XXXX kids and my wife paying other people mortgage since my house was sold. My company I work for 5 years in XXXX of XXXX move me to Utah for promotion, after they check my credit was so low, I did not got my promotion, I did everything I could and dont know much about the law so they took advantage of me been patient with them hope those Bureaus will do the right thing because its their fault, but it stay the same, I had to file Chapter XXXX Bankruptcy to protect the little what I have for my family and prevent those collector Garnish my pay, if that happen I would lost my family and their well-being, making a living is hard, I did not use any help from government or program because I want my kids to know about working hard and do the best to support our family, and do not do what lots of people do file assistant from our government for hand out. One last I forgot to mention was I was hurt at work, I fall and damaged both my XXXX  in XXXX, because who I am I power through my pain working 55 to 60 hours a week to put food on the table and a roof over my family head with those Credit Bureaus breach my info and ruin my credit score ; I finally couldnt work anymore so I did XXXX in XXXX for my right XXXX  XXXX  XXXX  XXXX   and XXXX XXXX, and my left XXXX this year in XX/XX/XXXX for another full construction repair and XXXX XXXX, and through that I work in pain and dealt with all this both Credit Bureaus that ruin my life, because what they did, I had to work extra hours and harder to support my family, used all the money I had saved, sold anything valuable I could to pay for my XXXX and I had to file that Bankruptcy XXXX to protect my family from those scam creditors and those 2 bureaus, even after all the try and call, now my score with XXXX  shows NA and deceased and Equifax is mid XXXX, Im on my last nerve with them, I lost XXXX of dollars, and could of save also XXXX of dollars, put my nerve through XXXX, cant sleep at night, both XXXX  XXXX and XXXX XXXX  and XXXX  to the point I cant XXXX, XXXX XXXX through tout the day, money spend on my doctors because of my symptoms cost by both Bureaus the biggest was moving to Utah though I had my promotion, because of my credit, I lost the promotion and didnt even got moving reimbursement from my work because my work though I lied to them and give my promotion to the next in-line that alone costed me {$15000.00} a year raise and additional bonus {$5000.00} per quarter. Please I need help from anyone that cares, because Im XXXX I get treated this way, Im from XXXX and I am a US citizen.","date_sent_to_company":"2020-10-19T04:28:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"84790","tags":null,"has_narrative":true,"complaint_id":"3906419","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-10-19T04:28:51.000Z","state":"UT","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["because the score, same time my <em>Mortgage</em> was also declined for refin."]},"sort":[10.67618,"3906419"]},{"_index":"complaint-public-v1","_id":"5158148","_score":10.65047,"_source":{"product":"Mortgage","complaint_what_happened":"The options given for Step 1 and Step 2 don't exactly describe my issues but here 's a long explanation of everything that has been going on. \n\nThis is a dual complaint against Mr. Cooper - their Mortgage Division ( loan # XXXX ) and against XXXX ( Claim Tracking Number : XXXX ) which is one of their subsidiaries. XXXX handles all homeowners claims. Mr. Cooper has too many addresses per se and I didnt know which one to use. I havent dealt directly with them in years. The lawyer representing Mr. Cooper in my modification case is XXXX XXXX and here is his contact information : XXXX XXXX XXXX, XXXX. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( direct ) ( XXXX ) XXXX ( facsimile ) I will provide XXXX  XXXX info when I get to that part of the complaint. \n\nI want to clarify that I am not currently represented by an attorney but I would like to be. I was represented for the past five years by XXXX XXXX for the purposes of filing a bankruptcy and negotiating a settlement. Litigation at that point was off the table for financial reasons and because I didnt think XXXX XXXX was invested enough in the case to pull it off. I know it probably wouldve been less stressful ( or not? ) to extend XXXX XXXX representation but without getting into too many details, he made too many mistakes and other than filing the bankruptcy, he didnt do much else. Im still very grateful for his service and support though. \n\nThis is my pathetic story. My name is XXXX XXXX. In XXXX, I bought my first home located at XXXX XXXX XXXX in XXXX, MA ( XXXX ) and Ive lived there ever since ; this is my mailing address as well. WIthout any notice, the mortgage companies changed a few times through the years with the last one being NationStar dba Mr. Cooper and thats when my nightmare began. \n\nBack in XXXX, a modification was offered and approved. I successfully completed the trial period and for no reason and without an explanation, they then denied it. I refused to pay the new slightly higher mortgage payments until they honored the modification agreement. Trying to get anybody to speak to me to straighten out the modification issue was impossible. I gave up and when I tried to pay the mortgage payments I had missed, they refused to accept them. Shortly after, I got a foreclosure sale notice in the mail from Mr. Cooper. Mr. Coopers unjustified and unnecessary actions forced me to get legal representation and to file bankruptcy when I shouldnt have had to. Im a teacher and I live paycheck to paycheck and what I had to do to save my house ruined my credit and ruined me financially, which to this day I still havent recovered. The emotional pain and suffering that I have endured since is immeasurable. \n\nDue to the constant stress I was under, I couldnt focus, I was sick often and I was unjustly let go of my job of 17 years as a teacher in the XXXX. Even though the Unemployment Dept reversed my employers decision, the damage was done and it was about to get worse. The unemployment benefits were only a percentage of my salary and I couldnt keep up with Mr. Coopers payment demands. Against everyone 's advice, I withdrew my retirement benefits early to pay for what I owed. Not only did I lose every cent I had saved for my retirement but I lost about {$35000.00} during that transaction due to penalties related to the early withdrawal. I was honest with the Unemployment Division and when I told them that I had withdrawn my retirement benefits, the benefits ceased. I guess they considered my retirement benefits as income. I probably couldve contested their decision but I was too emotionally drained to fight it and in all honesty, they came through for me when I needed it the most so I just let it go. This was the lowest point of my life and Mr. Cooper continued to push but I managed to pay for every cent I owed up to that point and more afterwards ( I have copies of the checks ). \n\nMy payments altogether total about $ XXXX. To make matters worse, the $ XXXX went missing ; that money was never credited to my account which Ive come to find out seems to happen a lot with Mr. Cooper XXXX My lawyer even missed that and when I pushed him to question them, Mr. Coopers lawyer admitted to it. While Im very surprised that he admitted to their oversight, I dont buy it. To me, missing one payment may be considered an honest mistake. Missing crediting my account on six different occasions ( or more ) is no different than illegally withdrawing money from borrowers without their consent, one of the many charges Mr. Cooper has been found guilty of. I have no idea where that money is but thats one of the stipulations that need to be clarified in the settlement.\n\nI believe during or shortly after Mr. Coopers big indictment in XXXX, XXXX XXXX approached my lawyer to negotiate a settlement. A whole year went by and nothing happened. XXXX XXXX didnt contact my lawyer and my lawyer didnt follow up to him either until I insisted. My lawyer finally sent XXXX XXXX a short letter on XX/XX/XXXX and XXXX XXXX responded shortly after, on XX/XX/XXXX, saying that he would get back to him soon. And that was almost a month ago? He has already taken another month to reply and before that he took over a year! What can I possibly do at this point? I dont know if taking months, a year to respond is standard procedure in this type of case and/or amongst lawyers but as my level of anxiety keeps rising, I dont know how much longer I can wait. I dont trust Mr. Cooper - Im scared that they will take back what they said they would include in their settlement, and attempt to force me out of my house again. Their MO is so predictable! and they continue acting this way because they know they can get away with it when their accuser '' is somebody like me, a divorced teacher with no legal representation, and no direction.\n\nAnd thats where Im at with this part of the case. I may be wrong but I dont think their lawyer is going to get back to me any time soon, especially knowing now that Im no longer represented. XXXX XXXX from the DOB suggested I file a complaint through you and I truly hope you can assist me.\n\nLike I said, for years, we have tried to reach an agreement with Mr. Cooper so things can go back to normal but nothing has gotten done, for one reason or another. In order for me to agree to a settlement, Mr. Coopers lawyer would have to 1 ) agree to honor the modification they had agreed on almost five years ago and later withdrew 2 ) pay my former lawyer XXXX XXXX legal fees ( they kind of agreed to that but they don't know the amount ) and XXXX ) offer monetary compensation for my emotional distress. 4 ) He would also have to put in writing that they have waived the mortgage payments in arrears ( he also agreed to that as well but I obviously want him to agree to an amount and put it in writing along with the other conditions ) and 5 ) deposit my $ 33k ( approxly ) into an escrow account or apply it towards my mortgage balance ( as they were supposed to but never did ). \n\nUnfortunately, there is more to complain about. Back on XX/XX/XXXX, my kitchen caught on fire. The kitchen was destroyed and the smoke and soot went all over the house. Ive been living in a hotel since then and its been the opposite of Heaven. Here we are, 9 months later and my house is still not fixed because XXXX, a subsidiary of Mr. Cooper has simply decided to keep the money. Not only they havent released any of the funds but they havent given me an explanation as to why they are doing that either- is that even legal? \n\nThe check from the insurance company I received in XXXX to repair my home was made payable to me and Mr. Cooper. Based on their track history of losing money, I didnt want them to have the check. I tried asking them to endorse it so I could keep it but they refused. I tried to figure out other options with XXXX and that didnt work either. When I asked XXXX XXXX for information about where to send the check, he told me to just send it to him and that he would figure out where to send it. I refused and demanded to have in writing the name and contact info of whoever would be handling my case and a description of their claim procedures. I never got any detailed information from XXXX XXXX about their procedures ; all he gave me was the name XXXX and the address and that took months! Assurants addresses are : Regular Mail Overnight Mail Mr. Cooper Mr. Cooper Attn : Loss Drafts Attn : Loss Drafts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX, OH XXXX Ph # XXXX While waiting for some kind of response from XXXX XXXX, the original check from XXXX expired and I had to contact the insurance company to get another check issued. XXXX was not aware that the home repairs had not yet begun and needless to say, they were appalled. Thats when I was notified by XXXX that my ALE benefits that are currently paying for my hotel stay while my house was supposed to be getting repaired will be terminated at the end of XXXX. Since five months had already passed at this point and with the fear of becoming homeless soon, I felt I had no choice but to send the check to XXXX and hope for the best. \n\nOn XX/XX/XXXX, I reluctantly forwarded a check in the amount of {$26000.00} to XXXX. As I mentioned earlier, this check was issued by XXXX with the sole purpose of repairing the damages done to my property by the kitchen fire. Along with the aforementioned check, I included the insurance repair estimates, the contractor 's report and a Declaration of Intent to Repair form. As its their usual tactic to delay things, they asked me yet for another Intent to Repair form through their website. I immediately filled it out and submitted it and I still havent heard from them once ; not a letter, not a phone call - nothing. Ive also been checking their useless website for updates and there is nothing there either. Not only it doesnt have an updated status but the information is contradicting and deceitful. In one section, it says Were going to take you to Step 3 : Receive Partial Claim Funds. Then the next screen says : Claim Funds Sent to you but when I scroll down, in smaller print, it says funds not yet sent. Again, no explanations. ( I have pictures of the screens ). \n\nI decided to call their Customer Service Dept and that was another nightmare in itself. One of the many reps I spoke to informed me that none of the Customer Service reps could discuss the case with me because my case is coded LITIGATION. Nobody can discuss the case with you, she said. My own case! She then proceeded to give me a list of generic emails to file complaints about Mr. Cooper to Mr. Cooper ( the links on the website to file a complaint, www.mrcooper.com/legal/complaints, don't even work! I also have the pictures of the error messages. ) When I demanded the name of someone with authority that I could speak to about my case, she simply replied that she had no names to give me. This is all so unfair, so wrong. I have never encountered a situation like this where a company wont inform me of whats going on with my own claim and then tells me that theres nobody I could speak to about the situation! \n\nI tried to explain to the CS rep that there is no litigation '' going on, that Ive been involved in a serious situation with Mr. Coopers Mortgage Division for the past 4+ years about a shady modification offer and an unjustified attempt to foreclose on my home but that we are not battling it in court nor am I being represented by a lawyer. I explained further that negotiations for a settlement with Mr. Coopers legal counsel XXXX XXXX XXXX, XXXX on the mortgage case have begun and that I hoped to reach a final resolution soon, one way or another. My explanations didnt matter ; she just kept saying file a complaint with Mr. Cooper . I cant waste my time with Mr. Cooper aymore so here I am, I decided to file my complaints where they matter and where I may have a chance to get some kind of resolution. \n\nAs I mentioned above, my insurance company will no longer pay for my hotel stay after XXXX which means Mr. Cooper is pushing me into homelessness once again. To avoid this from happening, my house would have to be deemed safe and livable for me to move back in and the only way to accomplish that is if the contractor starts working on my house now and finish all major repairs within a very unrealistic short amount of time and with non-existent building materials or appliances as I havent been able to order any of them. And thats if he is available to work. He has been waiting to start this project since I got the first check back in XXXX. Being aware of the situation and Mr. Cooper 's reputation, my contractor will not do any work until I can confirm that the entire {$26000.00} is available to him and that there will be no more issues if and when additional funds are needed. And the same goes for any contractor in the area. \n\nWithout that money, my house wont get repaired - plain and simple. And their unjustified and intentional delays have not only affected everybody involved but the condition of my home continues to deteriorate as its still covered with smoke residue and soot. At this point, when so much time has passed and nothing has gotten done, a partial disbursement or half of the funds now and the second half later is not acceptable. The entire amount is needed now to complete all the major repairs at once and as fast as possible. ( 6 ) They also need to have the LITIGATION code removed from my claim case immediately. ( 7 ) This is something Im sure Mr. Coopers lawyer could request but Im even more sure that it wont happen unless somebody with more knowledge and power intervenes on my behalf. \n\nBecause of the pending settlement negotiations, I have taken a closer look at my case and I was really embarrassed because Mr. Coopers deceptions were very obvious from the beginning and a more aggressive approach shouldve been taken. I started doing my research and thats when I realized that what Ive experienced with Mr. Cooper, thousands of consumers have gone through it as well : the shady modification offers, unjustified foreclosures, repetitive requests for the same information, lost documents/payments, among other unfair and deceptive practices. To their long list, I can add failure to communicate ( a year+ on one case and 60 days on the other ) and misappropriation of funds, for wrongfully keeping the insurance funds that I need to repair my home. I hope you can help me put an end to this nightmare once and for all! I would be eternally grateful!","date_sent_to_company":"2022-01-28T08:23:27.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"016XX","tags":null,"has_narrative":true,"complaint_id":"5158148","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2022-01-28T03:07:48.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["She then proceeded to give me a list of generic emails to file <em>complaints</em> <em>about</em> Mr. Cooper to Mr. Cooper ( the links on the website to file a <em>complaint</em>, www.mrcooper.com/legal/<em>complaints</em>, don't even work! I also have the pictures of the error messages. ) When I demanded the name of someone with authority that I could speak to <em>about</em> my case, she simply replied that she had no names to give me. This is all so unfair, so wrong."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[10.65047,"5158148"]},{"_index":"complaint-public-v1","_id":"8563109","_score":10.608522,"_source":{"product":"Mortgage","complaint_what_happened":"XX/XX/XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX CFPB Complaint ID : To be provided Copy sent via USPS Mail XXXX XXXX, XXXX Bank of America XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX Department Bank of America, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX CFPB COMPLAINT : ILLEGAL FORECLOSURE We will be referring the illegal foreclosure ( explained herein ) perpetrated by Bank of America in collusion with XXXX  on our property to the Department of Justice Mortgage Fraud Division for potential criminal prosecution BANK OF AMERICA DID NOT OWN THE PROMISSORY NOTE Bank of America XXXX BofA XXXX on XX/XX/XXXX, conducted a foreclosure sale of our property ( XXXX XXXX XXXX XXXX XXXX AL XXXX ) while having full and complete knowledge that their action was illegal and fraudulent. ( See attachment. ) Bank of America had full knowledge that Countrywide had no ownership or beneficial interest on the Promissory Note ( Note ) to this property. Hometown Mortgage Hometown ) the original lender never endorsed the note to an alleged buyer - Countrywide Home Loans ( Countrywide ) and there appears no true arms-length transactional documentation of any purchase of Countrywide of the Note from Hometown.\n\nThe claim of Bank of America Corporation Home Loans ( BAC ), which acquired Countrywide, that it owns the Note as a result of the acquisition of Countrywide is false and without basis because Countrywide never owned the Note. \n\nBANK OF AMERICA DID NOT OWN THE MORTGAGE ( SECURITY INTEREST ) FRAUDULENT ASSIGNMENT OF MORTGAGE The Assignment of Mortgage recorded on XX/XX/XXXX, had XXXX pages. Page XXXX and XXXX indicate the Agreement for Signing Authority between XXXX XXXX, ( XXXX ), its subsidiary XXXX Countrywide as Member and XXXX & XXXX XXXX. ( Sirote ) as XXXX, this is the law firm that appeared to have allowed its employees to be certifying officers for XXXX. ( See attachment : Assignment of Mortgage ). \n\nThis Agreement for XXXX XXXX section was dated around XXXX and XX/XX/XXXX or XXXX years before this Assignment of Mortgage on XX/XX/XXXX. This indicates that it might be a boilerplate form previously used elsewhere. \n\nIt should be pointed out that XXXX  has NO ( XXXX ) employees and its parent company XXXX, in a deposition, admitted to having XXXX employees. And yet at one point they are the mortgagee of record on XXXX XXXX mortgages - again with XXXX employees. \n\nSo through agreement for signing authority they have appointed XXXX people as certifying officers ( based on a testimony of XXXX XXXX XXXX XXXX XXXXXXXX ) with essentially no checks, limitations or restrictions and no monitoring on the activities of these so-called certifying officers which has resulted in thousands of foreclosure fraud and abuses. \n\nXXXX XXXX OF APPOINTING AGENTS IS OUTSIDE THE LAW The Alabama Supreme Court on the case of XXXX XXXX XXXX ( No. XXXX dated XX/XX/XXXX ) ruled on XXXX XXXX that XXXX system of appointing agents is outside the law. ( See Attachment : XXXX XXXX XXXX XXXX ) The portion of AL Supreme Court ruling on this appointing of agents as outside the law reads in part : XXXX XXXX  's system of appointing agents is outside the law. \nXXXX  of people are authorized to act as certifying officers of XXXX. ( XXXX XXXX ). This term of art has no legal meaning under Alabama law. XXXX XXXX, the CEO for XXXX, testified his company has authority to foreclose because of the limited authority of these thousands of certifying officers. ( XXXX XXXX ) and even testified in front of a XXXX XXXX studying this issue that XXXX has granted XXXX people certifying XXXX status. ( XXXX XXXX XXXX on XXXX XXXX XXXX ). According to XXXX, XXXX provides its members a corporate resolution designating one or more employees of the member as a certifying officer. ( C. 807 ). Certifying officers are given authority to act in seven areas on behalf of XXXX. ( XXXX XXXX ). But nothing in the documentation provided by XXXX  indicates that any certifying officer has or had accurate knowledge of the transfers of XXXX loan. XXXX employee XXXX testified that while he XXXX was a certifying XXXX of XXXX, he did not know exactly what criteria was used to authorize him as a certifying officer or what steps were taken. Instead, he received an email from XXXX  announcing that he was now a XXXX XXXX. ( XXXX XXXX ). XXXX XXXX never filled out an application and never filed an affidavit to become a XXXX  certifying officer. ( XXXX XXXX ). \n\nThe XXXX resolution from XXXX  to XXXX appointing certifying officers, along with the XXXX supplement granting authority to each of the XXXX different legal entities XXXX Mortgage operates under, is vague. What appears to take place is that XXXX, an entity that is a nominee of XXXX, gives XXXX a blank slate upon which to write any of its employees it chooses to act on XXXX  's behalf. In effect, MERS and XXXX have turned principal/agent law on its head : XXXX, an agent of XXXX, XXXX XXXX the XXXX to act as an agent on its behalf. If both XXXX and XXXX are the agent and the principal, then who is accountable when there is a violation of law? An agent is presumed to intend to bind his principal only and to incur no personal liability and unless an intention to substitute or super add his personal liability for or to that of his principal is clearly shown, XXXX he will not be bound in his individual capacity. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ). XXXX argues it is not an agent, but simply a nominee of XXXX. A nominee is generally understood as a person designated to act in place of another. See XXXX 's XXXX XXXX ( XXXX XXXX ). But, how can XXXX  acting in place of XXXX XXXX XXXX 's action in the appointing of certifying officers? Again, XXXX is attempting to stand XXXX letter law on its head. \n\nCERTIFICATION OF XXXX XXXX XXXX IS OUTSIDE THE LAW The Certification of XXXX XXXX XXXX, an employee of XXXX, of the Assignment of Mortgage is invalid, outside the law, and therefore null and void Thus, based on this important Alabama Supreme Court ruling, the signature of XXXX XXXX XXXX, an employee of XXXX is outside the law and therefore null and void. Therefore, this Assignment of Mortgage is also null and void and the Foreclosure Deed, by extension, is null and void, as Countrywide had no beneficial interest or ownership on the mortgage. \n\nSUMMARY Bank of America committed three criminal acts : 1 ) knowingly and maliciously falsifying and illegally fabricating the assignment of mortgage on XX/XX/XXXX, and XXXX ) knowingly and maliciously conducting an illegal foreclosure action on our property on XX/XX/XXXX that caused us untold severe emotional pain, anguish and suffering, and XXXX ) Illegally and maliciously selling our property to XXXX knowing full well that it had no ownership interest in the property. \n\n\nBank of America remains unresponsive, after about XXXX weeks, to this complaint which might be an indirect confirmation of the all the facts and assertions we laid out and an admission of their guilt. \n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-03-17T15:32:49.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"35242","tags":null,"has_narrative":true,"complaint_id":"8563109","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-03-17T15:12:36.000Z","state":"AL","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":["Bank of America remains unresponsive, after <em>about</em> XXXX weeks, to this <em>complaint</em> which might be an indirect confirmation of the all the facts and assertions we laid out and an admission of their guilt. \n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX"],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[10.608522,"8563109"]},{"_index":"complaint-public-v1","_id":"3626198","_score":10.54253,"_source":{"product":"Mortgage","complaint_what_happened":"My current mortgage is with Mr Cooper. I am in the process of refinancing with another entity which about to be closed soon. This lending institution told me to stop paying the mortgage and to end any and all conversations with Mr Cooper. My first problem is that I requested a payoff quote from Mr Cooper over two months ago through my supposed dedicated account representative. I never got any response from him and never received a payoff quote. \n\nMost importantly, my second problem is that Mr Cooper hired a local real estate agent from XXXX County PA to come take pictures of my home. She was at my home on 3 separate occasions. The first time I let her do what she said she needed to do. \n\nThe second visit, the same woman appeared in my driveway on my personal property unannounced. She immediately got out of her vehicle and started walking around my house taking pictures. My XXXX year old son and XXXX year old daughter were in the yard playing at the time and she was taking pictures with them in the pictures. I demanded that she leave immediately and told her I would call the police if she returned. As she was leaving, she began to scream out her car window that I was going to lose my house and my kids would have no home. My XXXX children heard all of this and were upset all night long. One friend was also present and heard witnessed this entire incident. I contacted Mr Cooper and told a representative about this woman and I was told it would not happen again and the woman would be contacted. \n\nOn XX/XX/2020, this woman appeared again. Her and another woman were in a car that stopped on the street directly in front of my home. The driver ( a second unknown woman ) got out of her car and waved to my children who were playing in the yard. She walked around to the passenger side and the passenger then walked to the driver 's side and got in. After a few minutes they drove away. My XXXX year old son informed me that the woman was taking pictures of him and his XXXX year old sister. \n\nAbout an hour later ( XXXX XXXX  ) this same car returned and stopped in front of my driveway. I witnessed her taking photos while me, my XXXX kids and several friends were standing in front of my garage. I began to walk toward her car and she kept pointing to the road and telling me I could do nothing about it. I kept walking toward her car and said I was going to call the police on her if she didn't leave. She then began to yell out her car window that she researched my name and found out I was a XXXX XXXX and was on the XXXX 's List. She even made comments about getting my kids taken away. My friends in the driveway all heard her screaming out the window and so did my XXXX kids. She continued to do this as she drove slowly away down the road. I was not able to get her license plate number since she made sure to drive away before I could read it. I waited for over 30 minutes watching to see if she would drive past again but she never returned that I saw. \n\nI contacted the local XXXX XXXX police department on Sunday XX/XX/2020 to file a police report on this woman and to file charges against her. Officer XXXX took down the information and said he would be in contact with Mr Cooper to find out who this woman is and to potentially file an arrest warrant. If Mr Cooper will not release this woman 's name, Officer XXXX is ready to get a warrant to have the name released. \n\nOn XX/XX/2020, I contacted Mr Cooper to see if they would give me the name of this woman contractor so I could give it to the police. The person I spoke to said he could not release that name to me. He did however say he was going to message their property claim department and inform them of the incident. I told him that I filed charges against this woman and that I would be including Mr Cooper in the criminal complaint since they had been told of this woman 's actions once before and promised she would not be allowed to return. Since they again to chose to ignore that complaint and sent her to my home again, I am holding them criminal responsible for putting my children in danger once again. This woman is not only totally unprofessional but she definitely crossed the line of harassment, vulgarity and terroristic threats toward me and my XXXX children. Taking unauthorized pictures of underage children is a crime and she will have charges filed against her. \n\nI will also be hiring an attorney to file a civil lawsuit against Mr Cooper for hiring this woman to come to my property a third time after a complaint was filed against her prior to this visit. Since Mr Cooper chose to hire her again while ignoring her past performance and un-professionalism, Mr Cooper is liable for the pain and anguish they caused me, my family and friends and especially my XXXX children. They are not only criminally responsible for endangering these XXXX children but they are also responsible for the actions of this Mr Cooper representative. Mr Cooper chose not to abide by their promise to not send this woman to my house again but by sending her the third time, they may very well be criminally negligent. I will be pursuing criminal and civil penalties against Mr Cooper in the near future. \n\nFinally, Mr Cooper is also attempting to foreclose on my property even though President Trump has put a hold on all foreclosures.","date_sent_to_company":"2020-04-28T00:34:09.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"166XX","tags":null,"has_narrative":true,"complaint_id":"3626198","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2020-04-27T23:49:24.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["My current <em>mortgage</em> is with Mr Cooper. I am in the process of refinancing with another entity which <em>about</em> to be closed soon. This lending institution told me to stop paying the <em>mortgage</em> and to end any and all conversations with Mr Cooper. My first problem is that I requested a payoff quote from Mr Cooper over two months ago through my supposed dedicated account representative. I never got any response from him and never received a payoff quote."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[10.54253,"3626198"]},{"_index":"complaint-public-v1","_id":"3270569","_score":10.470362,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/XXXX we did an annual check of our credit rating with the three major credit bureaus. We have a first and second mortgage with XXXX XXXX XXXX. We have make regular payments on or before each due date for both the first and second mortgage. \nWhile reviewing the credit report, we were astonished to see that our first mortgage had been sold by XXXX XXXX XXXX to a company we had never heard of, Shellpoint. As we continued to read, Shellpoint had placed our account/home in foreclosure claiming we were late more than 180 days in payments. We have never received any notice of late payment nor had we been contacted within the 15-day federally mandated time frame that our mortgage had been sold and purchased ; neither Bank/Mortgage servicing company failed to follow federal banking guidelines/laws. The following information and timeline shows twice that Shellpoint has failed to work with us in a timely, open format and is stonewalling us in order to sell our home from under us. We did nothing wrong and are being victimized by XXXX XXXX XXXX and the Shellpoint mortgage servicing company. We have worked for over a year trying to correct this issue ( caused by the XXXX XXXX XXXX and Shellpoint ). This complaint will likely not stop the sale of our home out from under us, and it will result in litigation with both companies. \n\nXX/XX/XXXX we contacted XXXX XXXX XXXX concerning the missing payments. We were instructed to overnight bank statements showing the canceled checks of each mortgage payment that XXXX XXXX XXXX said we didn't send. \n\nOn XX/XX/XXXX we contacted Shellpoint for the first time. We were directed to XXXX XXXX as our point of contact. She confirmed that Shellpoint indeed had purchased the mortgage from XXXX XXXX XXXX and had no idea why we were in foreclosure status. She indicated an audit would need to take place taking up to 7 business days. \n\nOn XX/XX/XXXX we called XXXX XXXX XXXX and spoke with XXXX who stated our mortgage was paid and current but there were problems. She said she would send us a packet of paperwork that we needed to fill out and send back. \n\nOn XX/XX/XXXX we contacted Shellpoint and spoke with XXXX who indicated that the mortgage was purchased in foreclosure status. She requested information from XXXX XXXX XXXX and that she would contact us no later than XX/XX/XXXX. \n\nXX/XX/XXXX we contacted Shellpoint and spoke with XXXX who said paperwork arrived from XXXX XXXX XXXX but they needed an additional 72 hours to look it over. \n\nXX/XX/XXXX we received claim paperwork from XXXX XXXX XXXX, filled it out, added copies of check and bank statements. Due to the lateness of the day, the paperwork had to be mailed the next day. \n\nXX/XX/XXXX we called XXXX at XXXX XXXX XXXX who confirmed they received our paperwork and they she would look at the claim next week. \n\nXX/XX/XXXX. We contacted XXXX at Shellpoint who indicated they are still comparing their records to XXXX XXXX XXXX records. They asked for additional bank statements and duplicates. They will send us a form to fill out and return with our documents. \n\nXX/XX/XXXX. We contacted XXXX at XXXX XXXX XXXX for an update. She claimed she was still working on the issue. She stated that she should have things cleared up by the end of the coming week. \n\nXX/XX/XXXX We received a packet from Shellpoint. We signed papers, added duplicate copies of checks and bank statements and mailed the documents priority mail same day. \n\nXX/XX/XXXX we called XXXX at XXXX XXXX XXXX, they have no further information for us and said to call back Monday. \n\nXX/XX/XXXX we called XXXX at Shellpoint. She indicated the papers arrived and she is going over them and said to call next week. \n\nXX/XX/XXXX called XXXX XXXX XXXX. XXXX indicated we are not in foreclosure. She found the problem, she is crediting our payments onto our first mortgage. She will send a letter and documentation to Shellpiont to fix the loan status of foreclosure. \n\nXX/XX/XXXX called XXXX at Shellpoint, relayed the info from the conversation with XXXX at XXXX XXXX XXXX. XXXX told us to call back Thursday after she could be sure the letters and payments arrived. \n\nXX/XX/XXXX. Called XXXX at Shellpoint. She received a letter from XXXX XXXX XXXX and would review it with her supervisor. She told us to call Monday and confirm that our account would be credited with payments that had previously and erroneously been thought to be missing. \n\nXX/XX/XXXX. called XXXX at Shellpoint. She stated everything was fixed and back to normal. They would send out an updated payment voucher and we would be ready to go for the XX/XX/XXXX regular payment date. As stated previously, both XXXX XXXX XXXX and Shellpoint failed to notify us of the sale/purchase of the first mortgage. \n\nJumping ahead in the timeline, oddly enough, in XX/XX/XXXX we were notified our second mortgage with XXXX XXXX XXXX had ben sold to XXXX XXXX XXXX. We were notified by both companies the second mortgage had been sold/purchased. Why didn't this happen with our first mortgage? The non-notification by both XXXX XXXX XXXX and Shellpoint is what caused a significant portion of the current issue. However, the problem was not even close to being solved! \n\nOn XX/XX/XXXX we discovered foreclosure papers from the city & county we live in stating our home will be sold XX/XX/XXXX. We instinctively called Shellpoint and spoke to XXXX. She claimed to take down our information/complaint. She told us she had some intake questions about income and household bills. She told us that the only way to stop the sale of the home was to go through loan mitigation. We filed a form 4506T, sent a current pay stubs, second mortgage company info etc. All forms were to be signed and dated and uploaded to the Shellpoint website. This was all the help she offered. \n\nXX/XX/XXXX we contacted Shellpoint who indicated they had received a request for modification but that the forms were inaccurately filled out. She said they needed a physical signature, signed and dated and needed 30 days proof of income from both occupants of the home. XXXX stated she had issues formatting some of the documents, we don't know what that means. \n\nXX/XX/XXXX XXXX we contacted Shellpoint who indicated that they only received the 4506T and Dodd-Frank certification form. They claimed there are additional forms missing. XXXX did not provide the address of where the documents were to be sent nor did she provide information as to how Shellpoint wanted the information XX/XX/XXXX XXXX we contacted Shellpoint asking where to send the documents. We were then told Shellplint Mortgage Servicing XXXX XXXX XXXX XXXX, SC XXXX. All requested documents were sent overnight mail. \n\nXX/XX/XXXX. Called Shellpoint who confirmed the documents were at their local post office waiting to be picked up. \n\nXX/XX/XXXX XXXX indicated it would take 48 hours to upload the documents into Shellpoint 's system. \n\nXX/XX/XXXX called Shellpoint who indicated there were minor errors in the document that needed to be fixed and then sent overnight mail. \n\nXX/XX/XXXX called Shellpoint only to get voicemail. Contacted them via email. They stated that they needed hardship papers to be sent. Over the next 8 days we tried to contact Shellpoint via telephone and had no luck. We emailed and got sporadic responses. \n\nXX/XX/XXXX. We were notified by Shellpoint that our case is sitting at underwriting. With less than 3 days to the sale of our home, I have zero confidence that Shellpoint will come through and correct the problem they created. At this point I am nearly resigned to the fact that although we have not missed a payment AND CAN PROVE IT, we'll still lose our home that we've been in for almost 14 years. We want to sue both XXXX XXXX XXXX and Shellpoint for negligence, communications fraud, pain, suffering and harm to our credit for their failure to follow banking laws and guidelines.","date_sent_to_company":"2019-06-11T05:39:34.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"84074","tags":null,"has_narrative":true,"complaint_id":"3270569","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2019-06-11T00:03:30.000Z","state":"UT","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["She claimed to take down our information/<em>complaint</em>. She told us she had some intake questions <em>about</em> income and household bills. She told us that the only way to stop the sale of the home was to go through loan mitigation. We filed a form 4506T, sent a current pay stubs, second <em>mortgage</em> company info etc. All forms were to be signed and dated and uploaded to the Shellpoint website. This was all the help she offered."],"product":["<em>Mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[10.470362,"3270569"]},{"_index":"complaint-public-v1","_id":"3906406","_score":10.1155815,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had XXXX credit score as shown when I was buying a SUV to lower my interest also in the process to refinance my Mortgage, I work hard  to pay early and do the right thing, in XX/XX/XXXX my dealership pulled my credit it showed perfect credit at XXXX  score and had order the color and options I wanted, when the new SUV arrived it took 35 days to order so the dealer had to run my credit again, this time it showed XXXX score and with 3 collection from around XXXX, it wasnt my and I could buy that SUV because the score, same time my Mortgage was also declined for refin. It was from XXXX  Bureau, so I disputed those collection finally after months is calling and worries they removed those collection but it showed a XXXX score, because they comprised my personal info and leak of my info it cost me to paid higher interest cost me XXXX of dollars, because of them my score from other bureaus dropped my score. I couldnt get a loan for nothing, because my payment was too high due to higher interest rate at that time plus I was XXXX  for my mom and XXXX XXXX of her, I had to sell my items even my house because my mom passed and lots of bill came to me, I couldnt even finance a pencil. When XXXX  removed my those negative item it took my score that I build so hard and doing the right thing, I though the nightmare was almost over than Experian Bureau did the same, it was Negative or collection but it showed I was deceased, yes show I was dead!!! Wow after all I went through with XXXX now I had to deal with Experian, I put in a complaint and dispute because Im not deceased, they put my score to XXXX, I was trying to rebuild and hoping XXXX  give me my credit score back because what they did, but instead no reinstatement of my score but base on  the Experian at deceased XXXX score it went even lower to XXXX with XXXX  that dropped my XXXX  to mid XXXX, I dont know when did Experian put I was deceased but it has to be in XX/XX/XXXX because we try to buy the lease I was in because lease was ended I was trying to finance to keep my SUV because all the lease payment I paid. So we found out what Experian did I was deceased in their system and because that other Bureau was mid 500s, so I lost my SUV and it had little damage on it so lease company charged me a fees and double on damaged over {$6000.00} and I had to borrow payday loan so I can take my kid to see a doctor and I had to fix my older car due to lost of my SUV I had no choice but to borrow high interest rate loan like 35 % interest, after I sold my house at the first issue in XXXX and pay off most creditor but couple send me to collection ; and I couldnt buy a home because those collection, I had to rent a small 3 bedroom townhome with XXXX kids and my wife paying other people mortgage since my house was sold. My company I work for 5 years in XXXX of XXXX move me to XXXX  for promotion, after they check my credit was so low, I did not got my promotion, I did everything I could and dont know much about the law so they took advantage of me been patient with them hope those Bureaus will do the right thing because its their fault, but it stay the same, I had to file  Chapter XXXX Bankruptcy to protect the little what I have for my family and prevent those collector Garnish my pay, if that happen I would lost my family and their well-being, making a living is hard, I did not use any help from government or program because I want my kids to  know about working hard and do the best to support our family, and do not do what lots of people do file assistant from our government for hand out. One last I forgot to mention was I was hurt at work, I fall and  damaged both my shoulders in XXXX, because who I am I power through my pain working 55 to 60 hours a week to put food on the table and a roof over my family head with those Credit Bureaus breach my info and ruin my credit score ; I finally couldnt work anymore so I  did XXXX in XXXX for my right shoulder full construction repair and XXXX XXXX, and my left shoulder this year in XX/XX/XXXX for another full construction repair and XXXX XXXX, and through that I work in pain and dealt with all this both Credit Bureaus that ruin my life, because what they did, I had to work extra hours and harder to support my family, used all the money I had saved, sold anything valuable I could to pay for my XXXX and I had to file that Bankruptcy XXXX to protect my family from those scam creditors and those 2 bureaus, even after all the try and call, now my score with  Experian shows NA and deceased and XXXX  is mid XXXX, Im on my last nerve with them, I lost XXXX of dollars, and could of save also XXXX of dollars, put my nerve through XXXX, cant sleep at night, both shoulder XXXX and XXXX XXXX and XXXX  to the point I cant XXXX, XXXX XXXX  through tout the day, money spend on my doctors because of my symptoms cost by both Bureaus the biggest was moving to Utah though I had my promotion, because of my credit, I lost the promotion and didnt even got moving reimbursement from my work because my work though I lied to them and give my promotion to the next in-line that alone costed me {$15000.00} a year raise and additional bonus {$5000.00} per quarter. Please I need help from anyone that cares, because Im XXXX I get treated this way, Im from XXXX and I am a US citizen.","date_sent_to_company":"2020-10-19T04:28:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"84790","tags":null,"has_narrative":true,"complaint_id":"3906406","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-10-19T03:07:50.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["SUV because the score, same time my <em>Mortgage</em> was also declined for refin."]},"sort":[10.1155815,"3906406"]},{"_index":"complaint-public-v1","_id":"4447343","_score":10.088132,"_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> loan 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":[10.088132,"4447343"]},{"_index":"complaint-public-v1","_id":"8073043","_score":10.004217,"_source":{"product":"Mortgage","complaint_what_happened":"ON XXXX XXXX  I SIGNED OFF ON NOTICE OF ASSIGNMENT, SALE OR TRANSFER OF SERVICING RIGHTS WITH XXXX XXXX XXXXXXXX AND XXXXXXXX XXXX XXXX XXXX  THEY HAVE MULTIPLE NAMES. U.S. BANK WRONGFULLY FORECLOSED ON THIS PROPERTY FRAUDULENTLY AND FORGED DOCUMENTS WITH MY SIGNATURE DATE OF THE DOCUMENTS SHOW XX/XX/XXXX. I HAVE THE ORIGINAL DOCUMENTS AS WELL. MY SIGNATURE WAS TAKEN THROUGH AN ANALYSIS AND IT SHOW U.S. BANK CREATED A PDF SIGNATURE TO PLACE ON MORTGAGE DOCUMENTS. I HAVE NEVER AS LONG AS I HAVE BEEN SIGNING DOCUMENTS INCLUDE MY MIDDLE INITIAL. ON THE ORIGINAL DOCUMENTS MY MIDDLE INITIAL IS NOT PRESENT. ON XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX AND LXXXX LISTED THIS HOME AS A LOST MORTGAGE. THEREFORE U.S. BANK HAS NEVER HAD THE DOCUMENTS I HAVE IN POSSESSION BECAUSE THIS LOAN WAS PART OF THE {$200.00} XXXX DOLLAR LAW SUIT U.S. BANK WAS MADE TO PAY CONSUMERS FOR FRAUDING FHA/HUD. MY LOAN WAS DEFINITELY PART OF THIS SCHEMEXXXX I HAVE GIVEN AMPLE AMOUNT CHANCES TO U.S BANK TO MAKE THIS RIGHT AT THIS POINT AND THIS WILL BE THE LAST AND FINAL TIME. U. XXXX BANK HAS RESPONDED WITH THE SAME INFORMATION STATING THEY HAVE NEVER RECEIVED A PAYMENT FROM BANKRUPTCY. THROUGH MY XXXX  XXXX. U.S. BANK STATES XXXX THEY HAVE NEVER RECEIVED A PAYMENT AND APPLIED ALL FUNDS FROM THE SAVE THE DREAM PROGRAM TO THOSE STATED YEARS. U.S. BANKS BANKRUPTCY DEPARTMENT ACKNOWLEDGED THE BANKRUPTCY AND SENT A LETTER STATING SUCH THIS LETTER IS ALSO IN MY POSSESSION.WHEN SAVE THE DREAM REACH OUT TO U.S BANK WHICH EVER ENTITY THESE DOCUMENTS WENT TO THEY ADVISED THE PROGRAM OF A FALSIFIED DELIQUENT AMOUNT AND AN UNPAID PRINCIPAL OF {$80000.00}. U. S. BANK THEN WAITED 8 MONTHS TO COMPLETE THE MODIFICATION AFTER RECEIVING THE FUNDS XX/XX/XXXXXXXX  REASON BEING THEY DID NOT HAVE THE ORIGINAL LOAN DOCUMENTS FROM XXXX XXXX XXXX AND XXXX  SIGNED BY MYSELF XX/XX/XXXX. XXXX XXXX XXXX AND XXXX AND U. S. BANK WAS COMMITTING FRAUD AND PUTTING CONSUMERS IN UPSIDE DOWN LOANS. ON MY ORIGINAL DOCUEMENTATION IT STATES FINANCE AMOUNT OF XXXX AND I WOULD HAVE PAID A TOTAL OF XXXX SHOWING FINANCE CHARGE OF {$92000.00}. BOTH XXXX XXXX  XXXX AND U.S. BANK NEW I WOULD HAVE NEVER GONE FOR THIS. XXXX XXXX XXXXXXXX AND XXXX WAS ALREADY IN TROUBLE AND BARRED FROM ALL GOVERNMENT ENTITIES AND STILL IS BARRED AND NO LONGER IN EXISTENCE. XXXX XXXX XXXXXXXX AND XXXX IS NOT A SUBSIDIARY OF U. S. BANK THEREFORE A PROMISSORY NOTE WAS NEVER SIGNED BY MYSELF WITH U.S. BANK SO THEY FALSIFIED DOCUMENTS TO HURRY UP AND TAKE OUR HOME AND LEAVE US HOMELESS WITH THE LOAN MODIFICATION THAT I WAS FORCED TO SIGN IN XXXX  THEN. U.S BANK NEVER FILED FORECLOSUE ON ORIGINAL LOAN DOCUMENTS BECAUSE I WILL REITERATE IT IS LISTED WITH THE COURTS AS A LOST MORTGAGE, I HAVE EVERY DOCUMENT FROM XXXX FOR THIS HOME WITH MY ORIGINAL SIGNATURE ON THEM. GOING BACK TO THE SAVE THE DREAM PROGRAM. IF YOU STATED UNPAID PRINCIPAL WAS {$80000.00} HOW IS IT REMOTELY POSSIBLE FOR A MODIFICATION TO BE DONE AND IT SHOW THAT UNPAID PRINCIPAL IS NOW {$84000.00}. WHATS MORE MY ORIGINAL AMOUNT OF INTEREST ON THE ORIGINAL LOAN SHOW 6.157 % THEN IT SHOW 5.5 % NOW IT SHOW 3.62 %. CONTACTED FHA AND THEY ADVISED ME TO PULL FOIA AND NO DOCUMENTS ARE FOUND FOR THIS SUPPOSE TO BE FHA/HUD HOME.THE FHA XXXXOCUMENTS THAT HAS BEEN SENT TO MY EMAIL ARE FALSIFIED THROUGH U.S. BANK FROM A REPRESENTATIVE AT U. S. BANK SENT THE DOCUMENTS TO ME. THE DOCUMENT DID NOT COME FROM FHA. I HAVE NOW INVOLVED THE FDIC, OCC, AND ARE NOW IN CONTACT WITH THE ATTORNEY 'S THAT HANDLED THE {$2.00} XXXX LAWSUIT. U.S. BANK REFUSE TO MAKE THIS RIGHT I HAVE UPLOADED DOCUMENTS THAT PROVE THEY HAVE WRONGED ME BUT THEY REFUSE TO REVIEW THESE DOCUMENTS AND INSIST THAT I KEEP SENDING THE SAME INFORMATION THAT HAS BEEN SENT TO THEM OVER AND OVER AGAIN. I HAVE SENT PROOF OF PAYMENT THROUGH BANKRUPTCY AND THEY REFUSE TO RECOGNIZE THE PAYMENTS TO STEAL A HOME THAT NEVER BELONGED TO THEM. I SHOULD NOT HAVE NOT PAID THIS BANK NOTHING NOR WENT THROUGH THE BANKRUPTCY TO SAVE THE HOME BECAUSE THEY NEVER HAD RIGHTS TO THIS HOME AT ALL THAT'S WHY THEY FILED FORECLOSURE WITH MODIFICATION DOCUMENTS QUICKLY BECAUSE THE JUDGE HAS ALLOWED U.S BANK TO SCAM AND TAKE THE HOME WITH LAWYERS THAT RESIDE IN FLORIDA. THE XXXX XXXX IS IN THE PROCESS OF RECEIVING COMPLAINTS ON ALL ATTORNEYS THAT WAS PART OF THIS DISCRIMINATIVE/WRONGFUL FORECLOSURE INCLUDING MY ATTORNEY. U.S. BANK STATED I OWED OVER {$130000.00} ON THIS HOME PER THE SHERIFF 'S DEPARTMENT AND THEY BOUGHT THE HOME FOR {$100.00} YOU HAVE TO HAVE A HORRIBLE SOUL TO TAKE A SINGLE XXXX MOTHER THROUGH THIS TYPE OF TRIUMPH. I WILL NOT STOP. IVE SENT THIS STORY TO THE NEWS AS WELL. I HAVE GONE BACK ON THE AMOUNT OF MONEY I HAVE SPENT ON ATTORNEYS AND PAYING A BANK THAT NEVER HAD RIGHTS TO A HOME THAT THE COURTS ALLOWED THEM TO SCAM AND TAKE XXXX XXXX XXXX WILL HAVE A COMPLAINT AS WELL WITH THE SUPREME COURT. NO ATTORNEY 'S OR COURTS SHOULD HAVE BEEN PART OF THIS. THIS BANK HAS COMMITTED FRAUD BEYOND THE POINT OF NO RETURN HOWEVER WEHAVE 6 WAYS TO SUNDAY AS XXXX XXXX SAY. I'M ONE THAT KEEP TAXES BACK TO XXXX. AND HAVE PROOF OF THE FORGERY PROOF OF THE UPSIDE DOWN MORTGAGE AND WHEN PRESIDENT OBAMA PUT THIS PLACE IT WAS SET IN STONE AND NOT TO BE IGNORED, I WAS ONE THAT WAS NAIVE AND WANTED SAVE MY HOME.THE BEST PART OF THIS ENTIRE ORDEAL WAS U. S BANKS ATTORNEY STATED IN THE BANKRUPTCY DOCUMENTS WHICH WE HAVE THAT I WAS 13 PAYMENTS BEHIND ON THE MORTGAGE FROM XXXXXXXX  MY FIRST PAYMENT WAS DUE XX/XX/XXXXXXXX  HOW IS THAT EVER POSSIBLE U.S BANK HAS PROVED INCOMPETENCE IN MANY AREAS AND UNFORTUNATELY, I WILL NOT STOP. SHERIFFS STATES EVICITON STARTS ON OR AFTER XX/XX/XXXXXXXX  THAT IS FINE BUT THIS WILL NOT GO AWAY UNTIL THIS BANK ADMITS TO WRONGFULLNESS ON A LAW-ABIDING CITIZEN. U. S. BANK NEED TO PRODUCE THE ORIGNAL LOAN I SIGNED DATED XX/XX/XXXXXXXX  NOTHING WAS EVER SIGNED BY ME ON XX/XX/XXXX. THAT BEING SAID THE 3 BOXES OF DOCUMENTS IN MY POSSESSION DOESN'T LIE AND THIS BANK HAS NO RIGHT TO EVER SAY THEY NEVER RECEIVED PAYMENT FROM BANKRUPTCY THESE ARE GOVERNMENT FILES WHICH I AM ALSO XXXX XXXX XXXX XXXX, AND THEY SPEAK VOLUME. U.S. BANK FILED A FORECLOSURE ON THIS PROPERTY AND STATED THEY HAVE NEVER RECEIVED A PAYMENT BUT FROM THE XXXX THE DREAM PROGRAM. MY RECEIPTS DON'T LIE. THIS BANK IS PREDJUDICE TOWARDS XXXX AND THEY HAVE PROVED THAT WITH WHAT THEY HAVE DONE. NOT TO MENTION THIS SAME HOME WERE IN WAS BOUGHT OUT OF FORECLOSURE FOR {$22000.00} SOMETHING IS WRONG AND THAT CONSUMER WAS UNDER U.S. BANK AS WELL AND HAS A LOT TO DEVULDGE. I ADVISE U. S BANK PAY ATTENTION TO THIS COMPLAINT AND NOT SEND THE SAME DOCUMENTS THEY SENT FROM THE FIRST COMPLAINT BECAUSE THAT IS DECEITFUL AND A VIOLATION OF MY FIFTH AMENDMENT RIGHT. I MUST ADD I AS WELL AM RECEIVING A STATING EVERY MONTH AND THE MATH IS NOT MATHING. SOMEONE FROM THIS BANK SENT ME A DOCUMENT THAT MULTIPLE ERRORS WERE MADE ON MY ACCOUNT AND THEY WERE IN THE PROCESS OF CORRECTING THEM AS WELL. BACK ON A STATEMENT I RECEIVED XX/XX/XXXXXXXX  IT SHOW UNPAID AMOUNT {$25000.00} CONTRACTUAL AMOUNT SHOW {$25000.00} BUT NOT ONE OF THESE STATEMENTS SHOW THE MODIFICATION EVERY LAST STATEMENT SHOW OUTSTANDING PRINCIPAL XXXX THE AMOUNT U.S. BANK CLAIM I FINANCED THE HOME FOR. WHAT'S MORE I NO WITHOUT A DOUBT U.S. BANK NEVER OWNED THIS LOAN BECAUSE IT DOES NOT APPEAR ON MY CREDIT REPORT AND THE FORECLOSURE BETTER NOT EVER SHOW UP OR ANOTHER LAWSUIT WILL BE FILED AND EVERYONE, I'M WORKING WITH WILL SEE TO IT. THIS IS MY LIFE THAT THIS BANK IS MESSING WITH AND XXXX XXXX AND BEEN IN AND OUT THE HOSPITAL BECAUSE OF THIS BANK FOR THE FOULNESS THEY HAVE COMMITTED I NOW HAVE TO HAVE XXXX IN XXXX BECAUSE OF THE STRESS THAT THIS BANK HAS TAKEN MY FAMILY THROUGH PAIN AND SUFFERING IS AT THE POINT OF NO RETURN THE NOTICES PUT ON MY DOOR HAS CAUSED MANY AILMENTS I'VE NEVER HAD IN MY LIFE.LACK OF SLEEP SITTING UP WORRIED ABOUT MY GIRLS I RAISED ON MY ON SINGLE PARENT THAT IS XXXX SINGLE AND XXXX  TAKING FROM SOMEONE THAT HAS NOTHING GOING TO PANTRIES TO FEED MY FAMILY BECAUSE OF THE MONEY I'VE HAD TO PAY TO KEEP A ROOF OVER OUR HEAD HOLES IN MY SHOES BECAUSE MY GIRLS COME FIRST A XXXX TREE WITHOUT GIFTS HOPING WE HAVE A ROOF BECAUSE ATTORNEYS COST WHOLE PAY CHECK GOING TO BANKRUPTCY AND THIS BANK HAS THE NERVE TO SAY THEY NEVER RECEIVED NOT ONE PAYMENT. SENDING THIS COMPLAINT TO THE NEWS AS WELL. \n\nCPFB YOUR NEEDED FOR THIS COMPLAINT AND NOT TO JUST SEND TO THIS CROOKED BANK. WHEN THEY WERE FRAUDING FROM XXXXXXXX  OR MOR AND THIS LOAN IN DEFINITELY PART OF THE {$200.00} XXXX CASE OFFICE OF PUBLIC AFFAIRS DOESN'T LIE.","date_sent_to_company":"2024-01-05T18:45:38.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"441XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8073043","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2023-12-29T03:27:44.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["THIS IS MY LIFE THAT THIS BANK IS MESSING WITH AND XXXX XXXX AND BEEN IN AND OUT THE HOSPITAL BECAUSE OF THIS BANK FOR THE FOULNESS THEY HAVE COMMITTED I NOW HAVE TO HAVE XXXX IN XXXX BECAUSE OF THE STRESS THAT THIS BANK HAS TAKEN MY FAMILY THROUGH <em>PAIN</em> AND SUFFERING IS AT THE <em>POINT</em> OF NO RETURN THE NOTICES PUT ON MY DOOR HAS CAUSED MANY AILMENTS I'VE NEVER HAD IN MY LIFE.LACK OF SLEEP SITTING UP WORRIED <em>ABOUT</em> MY GIRLS I RAISED ON MY ON SINGLE PARENT THAT IS XXXX SINGLE AND XXXX  TAKING FROM SOMEONE"],"product":["<em>Mortgage</em>"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[10.004217,"8073043"]},{"_index":"complaint-public-v1","_id":"3255171","_score":9.978384,"_source":{"product":"Mortgage","complaint_what_happened":"This is not my first complaint. My former complaint was XXXX This is an escalation, due to the mishandling of my monies received by my insurance for a fire claim resulting from the Campfire wildfire in XXXX, CA. \n\nHere are the facts : I opened a claim with Ditech mortgage, to submit a check I received from XXXX XXXX insurance for reimbursement for fire remediation repairs to our home that survived the Campfire  wildfire. What did not survive was a seperate structure equaling 1200 sq ', and based on our policy, we were paid for a total loss of that structure, {$100000.00}. \n\nThe check was cosigned to Ditech mortgage. I was promised before sending the check, that the check would easily be signed back to us, so I sent it to them. That was the first lie. \n\nNext I am sent on this crazy goose chase of submitting proof of service, with Lien Waivers, and receipts and W9s. Which I get was neccesary for the repairs but nothing to do with the total loss. It was clear on my policy and the claim letter from the insurance that we were paid for total loss and no repair or rebuild was necessary. \n\nI spend months calling, asking for clarification for why my total loss for seperate structure was not returned. They finally informed me after I submitted a claim through this agency, that they required that the check used to rebuild the lossed structure or used to pay down the principal, based on XXXX XXXX rules ( since XXXX XXXX  was the ultimate lender ). \n\nAfter fighting this with XXXX XXXX, because we felt it was unfair given that we paid for the build of the sep structure with cash and no financing, they persisted, and we gave in. We agreed to have the claim money used to pay down the principal of {$120000.00} on XX/XX/XXXX. \n\nI have been calling every week sometimes 2-3 times a week since XX/XX/XXXX to track the processing of that claim money, since they also have been mismanaging the monies owed to us for the reimbursement for the fire remediation of the surviving structure. I will not provide highlights of that mismanagement, because these events combined are either a demonstration of how dysfunction this organization is, or whether this is just a elaborate scheme to hold onto the claim money instead of refunding the money to use. \n\nXXXX included in the check that was cosigned to them, the estimated fees for cleaning of the home, and replacement of the insulation. \nIt was only after I filed a complaint with this agency that they finally informed me that all the paperwork I submitted resulted in them sending me checks. But, they conveniently sent the checks to the wrong address. The wrong address I believe was a rouse, since I had them repeat the new address to me, when I gave it to them. We were staying at a temporary address since we were displaced from the wild fire, and the post office was causing great delays in forwarding mail to our new address. Therefore I informed Ditech of our new address, which was XXXX XXXX XXXX XXXX. They sent it to XXXX XXXX XXXX XXXX. Which is a vacant residence, and ultimate the post office returned the envelope to sender. It's now XX/XX/XXXX and I have yet to receive that money either. Those checks total {$22000.00}. \n\nWeek after week, I am promised that they are being processed or in the mail, just to find out there are more excuses for why they are still not sent. My last communication with Ditech on Friday XX/XX/XXXX, they informed me that they could not locate the checks. On more than one occaision they change the story, and tell me they need to cancel the original checks and rerequest them, when I inform them that had been done more than 2 weeks ago. \n\nAgain, I don't know if this organization is that inept and dysfunctional or whether they are lying as a major game to keep this money in their possession. \n\nThe final and agreegious complaint is something I found out, but not by Ditech. In all the conversations I have had with them, never did they bother to inform me that they have sold my mortage to another company. SOLD my loan! How in the world were they planning to pay down my principal when the principal balance was sold to another company. \n\nThe nightmare that I see, and why I am filing this complaint, is that the {$100000.00}, which was ordered to be paid towards the principal on XX/XX/XXXX is lost in their organization. When I spoke to them about where it was specifically, they said vaguely that the money was ordered to a vendor to be sent to Ditech and they don't know where it is right now, because the mailing address on file does not match the physical address on file, so the vendor supposedly did nothing. By the way, I did not know at the time of that discussion, that my loan is scheduled to be in possession of another finance company by XXXX, XXXX, and last they told me it would take another 7 - 10 business days to be processed, so how are they going to pay off the principal when they no longer have the note. What is to happen to that {$100000.00} I spoke to a Ditech claims superviser on Friday, he gave me his personal extension and promised to get back to me. He did not call back, he did not inform me that my loan was sold to another company, he had no idea where any of the checks in question were. It was a holiday weekend. \n\nWhat is to happen to that money if they already sold my loan? \nWhy did they not inform me about the sale of the loan? \nWhy would they sell the loan in the middle of a claim processing? \nWhat don't they know where any of the money is? \nWhy do they keep losing the money? \nDid they intentionally mismail the check as a ploy? \nIs it possible they are doing something illegal and they are hiding it with they elaborate schemes of hide the money and mistakes in processing? \n\nI feel powerless to get straight answers, every week it's a new excuse. At one point I was promised that 3 managers were going to take ownership and get to bottom of things, and then suddenly one took a few personal days and then that was the end of that due dilligence. \n\nPlease help me. I have no intention to live in that home again. I have the house for sale. How could I possibly sell the home when the claim is left open and the mortgage is sold and the new company has no idea about the claim or worst is expecting me to wait while they become acquainted with the claim. \n\nThis has been a nightmare. I thought escaping a town on fire was my worst nightmare, but it pales to the pain these people have put me through. They've been playing this game of cat and mouse since XX/XX/XXXX. It's been 5 months of XXXX. You'd think they'd be compassionate since I am a wildfire survivor, but instead they have just compounded the injury. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2019-05-28T06:41:11.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"95747","tags":"Servicemember","has_narrative":true,"complaint_id":"3255171","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ditech Financial LLC","date_received":"2019-05-28T05:17:27.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["How could I possibly sell the home when the claim is left open and the <em>mortgage</em> is sold and the new company has no idea <em>about</em> the claim or worst is expecting me to wait while they become acquainted with the claim. \n\nThis has been a nightmare. I thought escaping a town on fire was my worst nightmare, but it pales to the <em>pain</em> these people have put me through. They've been playing this game of cat and mouse since XX/XX/XXXX. It's been 5 months of XXXX."],"product":["<em>Mortgage</em>"],"sub_product":["FHA <em>mortgage</em>"]},"sort":[9.978384,"3255171"]},{"_index":"complaint-public-v1","_id":"10217845","_score":9.95114,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/XXXX I received a letter from Wells Fargo letting me know that they were aware of bad practices during the XXXX XXXX XXXX XXXX  in XXXX. Wells Fargo is giving the consumer an opportunity to mediate if we feel that Wells Fargo may have affected us and caused financial burden. They are offering mediators to us to see if we were affected by this practice. I have been in contact with 2 different mediators whom form no malpractice. I have since been escalated to the ECMO department and I am dealing with XXXX. She has up to now said they don't see where I was affected by this and I disagree. below is my hardship letter that will explain what i am talking about. She has also received this letter to her office along with the attached legal and accurate documents to prove the malpractice. \n\nLoan # XXXX Wells Fargo denied us help and forced us to file bankruptcy to protect us from loosing our home. We were finally given a solution when we made a formal complaint ( at that time ) the ATTORNEY GENERAL OF XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, The CONSUMER FINANCIAL PROTECTION BUREAU, THE JUSTICE DEPARTMENT Modification loan denied dates ( 5 times ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Home Preservation Bankruptcy Specialists throughout my requests for modifications. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Specialist XXXX XXXX XXXX After Filing for Bankruptcy my trustee had to resubmit our arrearage of $ XXXX from Wells Fargo. Our trustee gave Wells Fargo to submit all documents necessary and amount or arrearage to her by XX/XX/XXXX. \nUnfortunately Wells Fargo lagged and missed the court date. On XX/XX/XXXX according to my attorney XXXX XXXX Wells Fargo contacted the bankruptcy court and asked if our attorney would make a motion to reopen the case so the arrearage could be rolled into the chapter XXXX unfortunately it would cost more money to reopen my case. Our Trustee XXXX XXXX XXXX agreed upon the motion to reopen the case for Wells Fargo so long as they would modify our loan. We have tried two prior occasions once last XX/XX/XXXX and the second time XX/XX/XXXX. Those two occasions were turned down from modification. Since the case was resubmitted in XX/XX/XXXX we were denied two more times and we were notified by our home preservation specialist at Wells Fargo XXXX XXXX that we could appeal the decision by rewriting another letter of hardship and they would review the case again. When we told her that our Trustee could possibly retract on the arrearage and not included in the XXXX XXXX payments because they had not followed through with their agreement, she was told that they would begin following procedure to repossess our home. We were mailed a letter stating that our hardship was not permanent nor it was enough to modify our loan. We explained to XXXX, if we were not in a hardship, our payments would be current. XXXX also informed her that in order to modify alone you must be current on your home payments. However, at this point we were two more payments behind due to our hardship. We explained to XXXX XXXX if we could make our payments we would not be needing a modification. As of XX/XX/XXXX we appealed our case again and we were sent a letter stating that Wells Fargo would re-review our case. Within a week, my wife made a formal complaint against Wells Fargo practices to XXXX XXXX XXXX XXXX, Attorney General of Texas XXXX XXXX, The US Justice Department, and Consumer Federal Protection Bureau. My wife was given a call by XXXX XXXX XXXX an executive mortgage specialist. She informed my wife once again we did not qualify for the modification because our income to payment ratio was not enough. The percent they got made it look like we could afford our home. They based it on our gross income. That does not help anybody to qualify. As there are overhead expenses and taxes to take into consideration. That makes no sense at all. XXXX XXXX informed my wife that there were no other programs to save us from losing our home except for a short sale. My wife informed her that we didnt want to lose our home and asked how it would be possible to qualify for a modification loan. XXXX XXXX told my wife if she was to close down her business then we would qualify. That means I would have to make absolutely no income and be on time on my payments. That was not an answer. We expected to hear from a person who is an executive mortgage specialist for Wells Fargo not a bully. We felt attacked and helpless at this point. How can anyone doing this have a conscience. On XXXX XXXX XXXX XXXX sent a letter with her version of how we were at fault for why Wells Fargo would not modify us. She mentioned in the letter that as of XX/XX/XXXX it was determined that we were unable to approve a workout option for the loan. She also mentioned that the criteria that needed to be met, which would need to include the inability to maintain payments on the property as a result of a financial hardship. So one minute Im being told I have to be current on my loan to qualify, but now its being said that we would have to have the inability to maintain payments on the property as a result of a financial hardship to qualify. At the end of the letter, one of the last lines on page XXXX says as of the date of this correspondence, the mortgage loan is contractually due for the XX/XX/XXXX through XX/XX/XXXX mortgage installments. What does that mean? We were in arrearage 10 months. Wouldnt that qualify me for a modification loan based on what XXXX XXXX states in the letter directed to myself, my lawyer, XXXX XXXX XXXX, and the CFPB. Obviously, even after she sent this letter, it was proven that there was a way for me to get modified for some sort of modification loan. XXXX XXXX through Wells Fargo. My wife told XXXX XXXX that we would no longer be making our mortgage payments if she was going to assume the process of repossessing our home. My wife had also read up on an article that Wells Fargo was involved in a discrimination case against Latin Americans and African-Americans between XXXX that was settled in XX/XX/XXXX. \nAfter researching this case we are beginning to feel discriminated against. My wife and I at that point stopped making our payments to Wells Fargo because we felt that if we were not going to be modified this time, they would take our home from us anyway. We were emotionally exhausted with the mirage that they cared and wanted to help their customers. We do not rely on anyone to bail out just to be fair. All we asked was fairness from the bank that had a huge bail out from the government. Because of Wells Fargo we were forced to file for bankruptcy so we could have some thing to protect us from losing our home and there was no way we could catch up on 10 months of payments. What I found interesting was once I made my formal complaint to our US Senator all of the sudden I was able to get modified and they were able to help me. I also find it disheartening how I was told we didnt qualify and there was nothing Wells Fargo could do to help. \nMy automatic assumption is that Wells Fargo just wanted to take my home anyway. It caused so much hardship and heartache trying to have to explain to our children at that time that we were going to be homeless and that the bank was going to take our home. The persistent callers, visits, and mail we received from the threat to reposes our home from Wells Fargo was excruciating. I believe their hope was that they could posses my home before the trustee would give them an opportunity to reopen the case. At this point our credit was ruined, we had to wait five years to finish our XXXX  XXXX, which we paid off, and 10 years for it to come off of our record which put us in XXXX just last year. During this time we were unable to help our son with college, purchase a vehicle because one of our vehicles had been totaled, nearly divorced as to break up our family, and dealt with severe XXXX. When we received your letter of mediation. I decided to go ahead, and follow through with it because I feel like I was not treated fairly and we were not taken care of by Wells Fargo. Whether it is discrimination or just the fact that Wells Fargo is so greedy, they didnt care who they took their homes from. They gladly accepted the bail out from the government and didnt use any of that money to help modify the people who needed it the most. We are middle class hard working people and we dont rely on the government unless necessary. Thankfully we have been able to come out of this, but not without the pain and suffering it caused. I believe Wells Fargo should be responsible for at the very least a settlement which we would be happy to negotiate. In the meantime, I have already contacted our US Senator once again, and the CFPB I have let them know up to this point nothing has been resolved regarding mediation. We are waiting for the Senator to reply and CFPB to respond. \nI will also be attaching all of the hardship letters that I sent to Wells Fargo, to the CFPB, president of Wells Fargo, and to the office of XXXX XXXX XXXX during the process.","date_sent_to_company":"2024-09-23T23:35:52.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"78260","tags":null,"has_narrative":true,"complaint_id":"10217845","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-09-23T23:10:52.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["Thankfully we have been able to come out of this, but not without the <em>pain</em> and suffering it caused. I believe Wells Fargo should be responsible for at the very least a settlement which we would be happy to negotiate. In the meantime, I have already contacted our US Senator once again, and the CFPB I have let them know up to this <em>point</em> nothing has been resolved regarding mediation. We are waiting for the Senator to reply and CFPB to respond."],"product":["<em>Mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[9.95114,"10217845"]},{"_index":"complaint-public-v1","_id":"5157851","_score":9.637785,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Fraud Claim On XXXX XXXX, I was part of a felony robbery in XXXX, Tennessee ( more than {$10000.00} in goods and money stolen in the state of Tennessee ), including physical items such as XXXX XXXX XXXX as well as credit and debit cards taken and used immediately for high-dollar transactions. \n\nOn XX/XX/XXXX- the same day as the incident - I immediately informed all financial institutions and law enforcement of my situation. Law enforcement further investigated my situation, sending an officer to come interview, collect evidence elsewhere, and pursue the person or ring that committed the crime. \n\nOn XXXX XXXX, after I explained what happened to them, Charles Schwab Bank extended provisional credit of {$3900.00} while they investigated my case. During the following three months, I did not hear from any representative of XXXX XXXX to update or inquire for any details about my case. I did not receive any inquiry from any official at XXXX XXXX asking for a police incident number, a police report, contact information of the investigating officer, a list of other stolen card transactions, or a list of physical merchandise stolen. \n\nOn XX/XX/2022, with very little warning and still having not asked for *any* of the above information that one would normally think constitutes an investigation, Charles Schwab reversed {$3900.00} out of my account, putting the account in a negative balance, with negative consequences on my finances and no means to address the negative balance until my next payday ( XX/XX/XXXX ). They had left me two voicemails during the holidays, which I was spending with my family on international holiday, and did not receive until around the same time as the denial of my claim and reversal occurred. I left a panicked voicemail with the fraud investigator letting her know my shock and the trauma that I was reliving the incident of having been violated so terribly ( reliving this over the holidays with my family when I should have been celebrating my daughters XXXX birthday party was traumatic to say the least ). The fraud investigator sent me a document titled Merchant Documents, which supposedly stated the basis for denial. \n\nOn XX/XX/2022, I followed up via email with the fraud investigator that had sent me the denial letter - XXXX XXXX- asked the following, Can you confirm that you investigated my fraud case but did not know there was a police incident report, did not ever see the police report, nor talk to the investigating officer, nor at any point did you or anyone investigating ask me for these reports? The fraud investigator never responded to my inquiry. \n\nOn XX/XX/XXXX, I contacted the Banking division to let them know that a ) I would like to get the XXXX Compliant line and b ) that I would like to pursue whatever means necessary to escalate the case, as I did not feel my case had been fairly investigated or even investigated at all, as best I could tell. At that time, I provided the banking agent with the XXXX Incident Number XXXX. \nThey 1 ) did not provide me the Chairmans Complaint line and 2 ) simply sent my inquiry back to the same fraud investigation department and same investigator who has proven both nonprofessional in actually investigating the case and non-responsive to my own inquiries! \n\nOn the morning of XX/XX/XXXX, XXXX AM EST, I sent a very detailed email to the Fraud Investigator - XXXX XXXX- with the XXXX Incident Number, an attachment of the detailed police report, which includes physical items stolen and cards stolen and used for fraudulent purchases, as well as supplemental information on what time the professional thieves deactivated the highly secure XXXX  tracking features on a brand new XXXX and XXXX. I also provided the name, phone number, and email of the investigating officer, who told me he would be happy to talk to her if needed or if she had follow-up questions. \n\nAs of the writing of this complaint, at XX/XX/XXXX XXXX XXXX  EST, XXXX XXXX, nor anyone from XXXX XXXX  has replied to me about the various documents I provided showing the charges were clearly fraudulent. \n\nI do not feel that my case is being taken seriously nor has an actual investigation of the fraud taken place. It has caused me great emotional pain in reliving the incident, as well as great financial injury, causing my account to go into negative balance and affecting or having the ability to affect numerous ongoing and automated payments, including health insurance for my family, schooling for my daughter, mortgage payment for my home, and several other critical items. \n\nSo I am requesting your help in seeking justice and a favorable and fair resolution to my case. \n\nI greatly appreciate your help.","date_sent_to_company":"2022-01-27T20:41:29.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"5157851","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHARLES SCHWAB CORPORATION, THE","date_received":"2022-01-27T19:28:55.000Z","state":"AL","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["As of the writing of this <em>complaint</em>, at XX/XX/XXXX XXXX XXXX  EST, XXXX XXXX, nor anyone from XXXX XXXX  has replied to me <em>about</em> the various documents I provided showing the charges were clearly fraudulent. \n\nI do not feel that my case is being taken seriously nor has an actual investigation of the fraud taken place."]},"sort":[9.637785,"5157851"]},{"_index":"complaint-public-v1","_id":"2670700","_score":9.500144,"_source":{"product":"Mortgage","complaint_what_happened":"My complaint is against Wells Fargo and their predatory and abusive lending practices, which has brought an extreme amount of financial hardship and financial depression, as well as a severe amount of mental anguish to me and my family. This complaint began a long time ago ; however, I was very unaware of what was being done with my lending account ( s ) with by Wells Fargo and the unfair lending practices that they were employing. In my opinion, they are in clear violation of the Unfair, Deceptive and Abusive Acts or Practices Act ( UDAAP ). In addition, I strongly feel now that I look back at the entire chain of events that the lender and the bank engaged in sales practices that were used in order for the lender to maximize their sales incentives and commission for the transaction ( s ) that they performed with me, while not explaining anything on my part. Lending is not my expertise and I feel that it is the responsibility of the lender and the bank to financially educate their consumers on the specific types of transactions they are performing with them and what financial affect they may have in the future. \nThis began in XXXX of XXXX, I was dealing with XXXX XXXX, a home mortgage consultant at Wells Fargo. She was from the office in XXXX NY, XXXX XXXX  XXXX XXXX, XXXX XXXX phone # XXXX. I have also never once met her in person. This loan was a re-finance mortgage on XXXX XXXX XXXX XXXX in XXXX NY to lower the interest rate. The loan number was XXXX and the amount was {$180000.00} at a rate of 6 %. All of which was obtained based on a no income check. We also applied for a home equity line of credit in the amount of {$50000.00}. The loan number for that was XXXX. This was the beginning of many very bad financial choices that XXXX XXXX and Wells Fargo were all too eager to allow to happen. All of this was done based on my salary of {$25000.00} and my wifes of {$16000.00}. We continued paying our mortgage and as I see now just getting by. In XXXX of XX/XX/XXXXand having a second child and some extended family living with us to help make ends meet, we looked for a bigger home. We found a home we loved in XXXX NY, XXXX XXXX XXXX ; however, the price of the home was over {$600000.00}. We again contacted XXXX XXXX at Wells Fargo who over the phone only and based on an income of {$36000.00}, agreed that we would be approved and would be able to handle the payments. See attached files for loan and conditions. We still owned the property at XXXX XXXX XXXX XXXX in XXXX and was given a second home mortgage for XXXX XXXX XXXX in XXXX NY, for which XXXX XXXX was aware. Also attached is the loan application which is completely falsified by XXXX XXXX and Wells Fargo, claiming we had {$81000.00} in assets but failing to mention that {$56000.00} of those assets was the balance of the home equity line of credit, for which I unfortunately did not educated on and was told to include those numbers for the application. The balance of which was no beyond the original {$50000.00} and now at {$76000.00} along with our mortgage amount of {$180000.00}. This was all based on an imaginary monthly income of {$9100.00} as stated on the loan papers attached and my tax returns for XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. The yearly income noted by Wells Fargo was {$100000.00} which was a quite a bit off from the amount I filed for my taxes of {$36000.00} for that year. But being nave and young and being assured by XXXX XXXX that the interest only payment wouldnt be much more and was the best option for me, again not educating me as the consumer, the financial affect and what would be financially expected of me in the future. We Went from a mortgage payment of {$2400.00} to {$3800.00}, all of which we did not fully understand the ramifications of the future in doing so. We closed on the XXXX home XX/XX/XXXX, even though we still owned the home in XXXX. XXXX XXXX had supplied us with bridge loans and mortgages that made my head spin and Im not sure I still even understand, but again was assured by her that everything would be OK when the XXXX home was sold. Also attached are the papers from that closing, I still do not understand them. But we paid off two lines of credit one was # XXXX in the amount of {$77000.00}, the second was # XXXX in the amount of {$76000.00} and the mortgage amount of XXXX. We now had our larger home and an interest only mortgage for the first 10 years and XXXX XXXX persuaded us to switch to a conventional mortgage after about 5 or 6 years when the rates were more favorable without, again, educating us on this type of mortgage, and she assured us it was in our best interest. So we once again just got by financially, paying the mortgage. As taxes increased, we were forced to rent out our basement to try and make ends meet. In an effort to make things easier we thought wed expand the home and put a large apartment on the second floor and we once again called XXXX XXXX who had us approved us for a second mortgage on our new home by XX/XX/XXXX for an additional {$110000.00} for home improvements, assuring us with our income that we could make these payments. This was a fixed rate loan # XXXX. All this with a tax return showing {$25000.00} in XX/XX/XXXXand {$32000.00} in XXXX. After taking the second mortgage, we felt the effects of all the predatory and abusive and unfair lending practices by Wells Fargo, and we began slowly drowning in interest only payments. To get ourselves out of the obvious bad loan decisions we had allowed XXXX XXXX and Wells Fargo to practically force us into, we immediately gave back whatever was left of the original {$110000.00} second mortgage and had called XXXX XXXX to have our interest only loan changed to a conventional mortgage so we could actually begin paying principal instead of just interest, as we had been doing. It was then that we realized how badly XXXX XXXX and Wells Fargo had advised and not educated us for all of these years. After being lent a first mortgage, two lines of credit, and a second montage, all totaling in excess of {>= $1,000,000}, we could not get refinanced for our interest only mortgage of {$420000.00} and the remaining balance of the second mortgage. All of this while showing the highest tax returns from XX/XX/XXXX-XX/XX/XXXX an average of around {$50000.00}. We had begun a vicious cycle of faxing in paperwork weekly always being told that we were missing something additional. We were given multiple options of government help from Wells Fargo ; however, we never qualified due to some missing paperwork that we again, were not provided any direction on from XXXX XXXX. This began on XX/XX/XXXX, XXXX XXXX was no longer available and we dealt with XXXX XXXX from Wells Fargo. She had advised us that we were at a deficit for our monthly payments and advised us to lower our outgoing monthly expenses. We tried hopelessly to do so to get qualified for a lower rate conventional mortgage from Wells Fargo. After faxing over 100 pages a week for months ( all of which had to be dated for the day being faxed ) we were denied from XXXX XXXX. So, XXXX XXXX advised us to declare bankruptcy. Once again, we followed what Wells Fargo said in an effort to save our home. We filed for bankruptcy in XXXX. We now began faxing paperwork weekly to XXXX XXXX and Wells Fargo for another year. We also stopped paying our mortgage because XXXX XXXX of Wells Fargo advised us that we could not qualify for any government programs if our mortgage was up to date. Of course, we were never approved for anything from Wells Fargo after being advised by them to stop making payments in order to get approved. So we retained a lawyer to try to help us get approved. This went on for the next two years and were once again denied by Wells Fargo. We received a notice that Wells Fargo was now going to proceed to foreclose on the home and, once again, hired a lawyer for help. After 7 months in court, he advised us that there was nothing he could do due to all the bad choices and transactions performed between Wells Fargo and us, all of which was basically pushed on us, as we were assured by the two Wells Fargo lending representatives mentioned above that we would be approved and able to afford the payments. We were then at this point informed that if we were lucky, we would have another 6 months in the home. I ask you what is lucky about that? Me and my wife, along with my XXXX children, have given everything to Wells Fargo, who we strongly feel that we were completely taken advantage of and every place we turn there is no help for those who want to pay their home mortgage. All I ever asked of them was to reset my mortgage to the current interest rate and let me make the payments. I have met every requirement that the XXXX XXXX and XXXX XXXX had advised us on and was still denied by Wells Fargo. Shortly, me and my family will be left homeless and with all of the years of paying Wells Fargo not only this interest only mortgage, but the previous loans I paid off and in good standing ( until we were advised by XXXX XXXX to not make payments in order to be approved for government assistance ) have all been in vain and I am left with nothing after close to 20 years of paying them. I have 2 apartments in my home and me and my wife both work, but yet Wells Fargo has denied us a loan which they previously approved via a phone call with zero proof, all of which, I feel, were to make their sales incentive goals and commissions. These methods in which they employ are not UNFAIR, DECEPTIVE, ABUSIVE, and PREDATORY and are in very clear violation of many, if not every law/regulation written regarding this. Is there no accountability on the part of Wells Fargo? Why did Wells Fargo not offer a modification to attempt to assist us throughout this whole process while we constantly contacted the two representatives to discuss? For all the pain and suffering they have and will continue to put my family through in the coming years? My children are embedded in this community and have friends in school and now I must tell them that because Wells Fargo lent us out of surviving financially, we will have nowhere to live. I implore you to please look into this entire situation and XXXX XXXX practices throughout this entire process and assist us so that we are not left with nothing and can not provide a home for our children. \n\nThank you for your anticipated assistance and cooperation with the above. I can also supply any additional paperwork needed to support everything in this letter, there is way too much to scan and attach. I attached what I thought to be most relevant. \n\n\nXXXX XXXX","date_sent_to_company":"2017-09-13T04:50:45.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"11783","tags":null,"has_narrative":true,"complaint_id":"2670700","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2017-09-13T00:24:39.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["We were then at this <em>point</em> informed that if we were lucky, we would have another 6 months in the home. I ask you what is lucky <em>about</em> that? Me and my wife, along with my XXXX children, have given everything to Wells Fargo, who we strongly feel that we were completely taken advantage of and every place we turn there is no help for those who want to pay their home <em>mortgage</em>. All I ever asked of them was to reset my <em>mortgage</em> to the current interest rate and let me make the payments."],"product":["<em>Mortgage</em>"],"issue":["Struggling to pay <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[9.500144,"2670700"]},{"_index":"complaint-public-v1","_id":"3562520","_score":9.283485,"_source":{"product":"Mortgage","complaint_what_happened":"XX/XX/XXXX My husband received an email from his nonprofit XXXX XXXX announcing their partnership with Princeton Mortgage ( NMLS # XXXX ) exclusively with Team Leader/Loan Originator XXXX XXXX ( NMLS # XXXX ). Princeton Mortgage was offering special rates for XX/XX/XXXX XXXX  personal on  mortgages and refinances. \nAt the end of XX/XX/XXXX, I contacted XXXX for information on refinancing my primary residence. We had refinanced back in XX/XX/XXXX, but XXXX said he could beat my current rate of 3.875 % with 3.375 % for a 30 year fixed rate. I asked how he was able to get such a low rate and if points were involved. He said no points and Princeton Mortgage likes to take care of XX/XX/XXXX XXXX. I also inquired about closing costs which he responded ( email dated XX/XX/XXXX ) {$990.00} plus appraisal and title. Only thing out of pocket is appraisal. I asked if we could use the appraisal from XX/XX/XXXX, but he said a new one would be required. \nWe continued to exchange emails and had many phone conversations. I asked multiple times what the principal and interest payment would be with the 3.375 % rate however, he would never respond with this information in an email. Rather he would call and verbally disclose numbers, but would always follow-up with that an exact amount would not be known until right before closing- everything quoted was an estimate. I also mentioned we had a rental property that was purchased at the height of the market and since has been under water in addition to a town wide reassessment. He said that we should proceed with both properties. Worst case the rental does not appraise, he would reimburse our credit card for the appraisal fee. He said, Ok I am going to save you a ton lol! ( Emailed dated XX/XX/XXXX ). \nWe decide to proceed with refinance of our primary residence and rental property. On XX/XX/XXXX, we received the appraisals- our primary came in $ XXXX less than our XX/XX/XXXX appraisal and the rental came in $ XXXX to qualify for the refinance. I immediately called XXXX and expressed my concerns, as it was not possible for our property to have depreciated $ XXXX within 7 months with a booming housing market and economy. XXXX agreed and explained that I could appeal the appraisal, which we did on XX/XX/XXXX. \nOn XX/XX/XXXX, I sent another email regarding the appeal and a follow-up email on XX/XX/XXXX, which upon he responded, Havent heard calling them now. ( Email dated XX/XX/XXXX ). I followed-up with XXXX on XX/XX/XXXX asking if the deal was dead and he replied, Deal not dead. Please give me some. I am trying to get done for you. ( Email dated XX/XX/XXXX ). We had a brief conversation on Thursday, XX/XX/XXXX at XXXX ET and he asked to call me back in 30 minutes. XXXX never called and I followed-up with an email on XX/XX/XXXX asking for an update and he replied he would call me that day. He never called and another follow-up email was sent on XX/XX/XXXX. He called and said that he did not respond because he was away on business and training new employees. I explained that I too work in the XXXX XXXX industry however ; his lack of communication and professionalism is unacceptable. If he did not have an answer or whatever the case may be, a simple reply would have been acceptable. \nAt this point, XXXX was still working on the numbers. I was starting to get suspicious as to why he did not have the numbers. Never before have I worked with a loan officer that could not provide me the principal and interest payment almost immediately. Please refer to XXXX email dated XX/XX/XXXX. On XX/XX/XXXX, I followed up asking if he thinks he would have the numbers by Monday, XX/XX/XXXX and he said yes. On XX/XX/XXXX, he emailed me that refinancing XXXX would require me to bring $ XXXX closing. He offered to raise the interest rate on my primary to 3.5 % and give us {$6000.00} towards the investment property. As for the primary residence, the interest rate would be 3.375 fixed for 30 years. He ended his email by saying, The 10 year bond is lower today and I can possibly get you 3.25 will know that at XXXX ( email dated XX/XX/XXXX ). We spoke at XXXX and XXXX confirmed he locked us in at 3.25 % 30 year fixed. \nI replied that same day that we will proceed with the primary residence refinance and that we will revisit the rental property in 6 months. I asked if he needed my credit card to reimburse the {$500.00} appraisal fee. I ended my email by asking to please send the new mortgage payment including taxes escrowed ( email dated XX/XX/XXXX ). I never received a response, so I sent follow-up emails on XX/XX/XXXX and XXXX, XXXX. He finally replied on XX/XX/XXXX and followed-up by a phone call to go over the payments. He said that our payment including escrow would be {$3900.00} with P & I   {$2500.00}. I said that does not make any sense- why would I refinance to only save $ XXXX/mo. At this point, my level of concern hit an all-time high. We are scheduled to close in 4 days and he still can not give us a concrete monthly mortgage payment. I explained that this still does not make sense because I did my own due diligence- I was quoted 3.375 % 30 year fixed from another bank for a P & I payment of {$2500.00}. How is the one point higher rate {$23.00} less than his P & I payment? Again, he did not have an answer and asked to call me back so he could work on the numbers. He came back with a monthly payment including escrow of {$3900.00}. He also said he would give us a $ XXXX closing cost credit for all the aggravation. I just assumed this would reduce the money we would have to use for escrow since the closing costs he quoted in XXXX were minimal. \nOn XX/XX/XXXX, we received the electronic loan disclosures to prepare for our closing scheduled on Saturday, XX/XX/XXXX at XXXX. Upon reviewing, I was alarmed by the following : 1. The closing costs were {$21000.00} 2. The $ XXXX credit and {$550.00} appraisal reimbursement was missing 3. The monthly payment was {$3900.00} 4. Points were included in the rate I asked XXXX to advice and he said he would call me later that day. Upon leaving work, I still had not received a call back. I contacted XXXX XXXX who was the senior loan processor I had been working with throughout this process. I expressed my above concerns and told her to cancel the closing. I also requested for XXXX manager to call me and refund us the two appraisal fees ( {$470.00} and {$550.00} ) as we never would have proceeded with Princeton Mortgage if we knew points were being charged to obtain the lower rate. I also followed up with an email to XXXX dated XX/XX/XXXX. About 30 minutes later, I received a phone call from XXXX. He was aggressive, nasty and condescending. He implied that I was stupid and I was well aware of points all along. I explained that I work in XXXX  and he is just mad because I read the disclosures and figured out his scam. I told him he was unethical for not disclosing the points and charging over $ 21k   in closing costs. I said no one would ever consider doing something like this because it is financially not perceptive. Why would anyone want to add on an additional $ XXXX on his or her principal amount? He got quiet, apologized and said that he wanted to make it right. He said he would honor the rate with no points and would reduce the closing costs. I said you are too late- you are only doing this because you were caught. He asked me to think about it and said he would follow-up with me the next day ( he did not ). I ended the call with please have your supervisor call me. \nOn Thursday, XX/XX/XXXX, I received a call from XXXX XXXX who identified himself as XXXX manager. I explained what happened, requested the refund of appraisal fees and he asked that I send him copies of the email correspondence which I did on XX/XX/XXXX. XXXX responded that he could reduce the fees by {$7400.00} with a monthly escrow payment of {$3900.00} ( email dated XX/XX/XXXX ). I replied to XXXX on XX/XX/XXXX that my husband and I did not feel comfortable moving forward with Princeton Mortgage and to please refund the appraisal fees. XXXX never responded. \nOn Tuesday, XX/XX/XXXX, I received an email from XXXX XXXX ( NMLS # XXXX ), Sales Support, and Manager. I  immediately called him, as I was very confused to his role. He said that he was XXXX manager and XXXX XXXX was just his team member. I explained everything to XXXX. He was very empathetic and agreed this was a horrible experience. He offered to close the loan, he would be our direct contact and XXXX would be removed from the file. He said he would reduce closing costs, honor the rate with no points, and would only charge {$500.00} in commission because his branch manager would be livid if he knew what happened. He said you know we need to make something off this refi. He also said that XXXX started this partnership with my husbands nonprofit XXXX XXXX in late XXXX. He said it has brought in 25-30 closings/month from its members and it would be detrimental if we contacted them about our incident. He said we were the first complaint received. My response was, that is probably because I am the only person that took the time to read the disclosures before electronically signing off. He asked that I speak with my husband in hopes we would reconsider. I explained that he is not going to change his mind however, I will speak with him. I ended the conversation that in the meantime he should start speaking to his branch manager on the refund of the appraisals. He said that was going to be a sore subject because the appraisal company is a third party. I said that is not my problem. XXXX, Princeton Mortgage, you or all of you should make it right. Perhaps even if that means coming out of pocket for the pain and suffering we endured over the past few months. He said he would work on it. On Tuesday, XX/XX/XXXX, I sent a follow-up email to XXXX asking for an update. He replied almost instantly and I responded a few minutes later- please reference email dated XX/XX/XXXX at XXXX for complete details. I received a response late afternoon, which included his National Sales Director, XXXX XXXX. He said, After going thru the loans in detail and speaking with everyone involved it has been determined that due to your house under appraising the loans didnt make as much sense as once thought. Since you were a XXXX member, we made an additional pricing concession on the primary loan to make it make sense for you and your Husband. You decided to not move forward and unfortunately, we will not be able to refund the cost of the appraisals. As a company, we did what was necessary to make it right by you people. I am sorry it had to end this way and wish you the best of luck. I have CCd our National Sales Director, XXXX XXXX on this email as he is aware of the situation. ( Email dated XX/XX/XXXX ). I responded stating that XXXX was unethical with his lack of communicating points were being used to obtain the rate and also was negligence on not disclosing the closing costs which were upwards of $ 21k. We disputed the appraisal and XXXX never mentioned that Princeton Mortgage was making an exception. It was our understanding the appraisal dispute was approved. I also included copies of the emails for their reference. Please refer to email dated XX/XX/XXXX at XXXX. \nTo date, we have not received a response. In addition, to submitting a complaint with the Consumer Financial Protection Bureau, we have also spoken the XXXX XXXX New Jersey State Delegate and have left a message for the National President. We  will also be filing a complaint with the XXXX. \nIn order to resolve this matter, we are asking Princeton Mortgage to refund us {$1000.00} for the appraisal fees on our primary residence and rental property. \nThank you.","date_sent_to_company":"2020-03-13T14:27:28.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"085XX","tags":null,"has_narrative":true,"complaint_id":"3562520","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Richard A. Weidel Corporation","date_received":"2020-03-11T18:16:53.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In addition, to submitting a <em>complaint</em> with the Consumer Financial Protection Bureau, we have also spoken the XXXX XXXX New Jersey State Delegate and have left a message for the National President. We  will also be filing a <em>complaint</em> with the XXXX. \nIn order to resolve this matter, we are asking Princeton <em>Mortgage</em> to refund us {$1000.00} for the appraisal fees on our primary residence and rental property. \nThank you."],"product":["<em>Mortgage</em>"],"issue":["Applying for a <em>mortgage</em> or refinancing an existing <em>mortgage</em>"],"sub_product":["Conventional home <em>mortgage</em>"]},"sort":[9.283485,"3562520"]},{"_index":"complaint-public-v1","_id":"15651647","_score":9.0858555,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XX/XX/XXXX, on a Monday From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Re : Complaint : Created Chase Total Checking account ( With enticement, on XX/XX/XXXX ) with Chase Bank ; followed quickly by Chase Bank 's illegitimate hold ( Unjustifiable w/no explanation or reason, on XX/XX/XXXX ), 45 pages, total, specifically ; JPMorgan Chase Bank , N.A . ; dba : Chase Bank Facts : Account number : Unknown ; Account blocked/locked/or placed on hold before I had a chance to acquire my account # ; Debit Card number : Unknown : I do not have a Chase Bank debit card ; also, I have no physical checks associated with it ; Added issue : My Chase Home Lending/Chase Mortgage Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX same account number since XX/XX/XXXX ; ( XXXX XXXX, Chief Executive Officer of Chase Home Lending ) ; Note : Chase Bank performed a block/lock/hold on my Chase Bank account, which had also, illegitimately, blocked/prevented my payment to Chase 's Mortgage Division, in addition to simultaneously placing a block/lock/or hold on my non-associated Chase Mortgage account of which I am a 28+ year customer, once again, accounXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Account balance ( est. ) : in Chase Bank newly created account, Unknown ; inasmuch as I am blocked from accessing my account, and my repeated queries to Chase Bank representatives were met with pushback, meaning, their responses were routinely, quote, We can not verify you! We can not release the hold! We can not disclose that information to you! Call back later! \", with me being the one and only account holder ; Estimated value as of XX/XX/XXXX, is between {$5000.00} and {$6000.00} ; To : JPMorgan Chase Bank , N.A . Member FDIC ; XXXX JPMorgan Chase & Co ( XXXX XXXX, President and Chief Executive Officer of JPMorgan Chase Bank , N.A . ) Complaint : Begin : To Chase Bank : At this point in time in my life, sevenplus decades, seventy-one + years, in hindsight, there exists nothing that I regret more than opening a Chase Total Checking Account in the month of XXXX, in the year XXXX, specifically, XX/XX/XXXX ( See Exhibit 1 below - Chase checking account opened ) ; Re : enticed by this, quote : \" XXXX XXXX XXXX Enjoy {$300.00} as a new Chase checking customer, when you open a Chase Total Checking account1 and make direct deposits totaling {$500.00} or more within 90 days of coupon enrollment '' XXXX XXXX XXXX \" In response to a Flyer I received, in the mail, perhaps a dozen times. \n\n... and the reason for that is because Chase Banks enticement of a mere {$300.00} is now going to potentially lead to my homelessness, having already created agony, pain, and suffering, while causing unprecedented spikes in my XXXX XXXX,... \n\n... because, as a DIRECT RESULT of your ( Chase Bank ) carelessness, recklessness, and outright blatant illicit conduct by placing my newly created Chase Total Checking account on a hold, or a freeze, or blocked, whatever you wish to call it, for no articulable reason, no reason ever explained to me despite me asking Chase reps at least eight ( 8 ) times, while denying my access to my own hard earned money for a solid seventy-five ( 75 ) days, and counting now,... \n\n... without providing me any opportunity to use my hard-earned money via your 100 % - rigged ( see definition, examples, and explanation of 'rigged ', below ) identification/verification process, whereas Chase Bank repeatedly tells me XXXX We can not verify your identity, therefore, we can not release the hold on your account. Try again later, and hearing that SAME well-practiced rhetoric EIGHT - PLUS ( 8+ ) TIMES ( because, despite eight separate phone calls into Chase Bank 's phone number that I was required to call in order to get my account 'unlocked ', my call was escalated on occasion, where I got the precise same well-practiced rhetoric that I got prior to the escalation ) until I finally gave up, leading to THIS Immediate Emergency COMPLAINT directly to Chase Executive Office,...\n\n... and now that I have suffered a XXXX in late XXXX, which corresponded with Chase Banks sketchy and illegitimate conduct, LEGAL ACTION WILL ENSUE, unless Chase Bank not only releases my own hard-earned money back to me IMMEDIATELY, but also, Chase Bank is responsible for Sections A., B., C., and D. below , ALL THIS over my foolishness to attempt to generate an extra {$300.00} due to Chase Banks enticement to open a new Chase Banks so-called Chase Total Checking Account. \n\nI am a XXXX elderly man, and I have never been treated in such a reprehensible manner by any bank before, that is until JPMorgan Chase Bank XXXX XXXX mishandled my mortgage in XXXX, leading to my CFPB Complaint against JPMorgan Chase Bank N.A. precisely one year ago to the day, XX/XX/XXXX, and now Chase Bank, also part of JPMorgan Chase Bank, N.A., took it upon themselves to conduct themselves reprehensibly as well, leading to this immediate complaint one year later for a completely different reason, yet just as appalling as the reason I complained about last year against JPMorgan Chase Bank, N.A., and this Immediate Complaint is AFTER I attempted to reach out to JPMorgan 's Executive Branch in XXXX XXXX XXXX on two occasions via email in late XXXX ( XXXX ) with a XXXX Complaint, yet JPMorgan didn't even have the common courtesy to acknowledge their receipt of my repeated Complaints, much less do anything to assist me. I am now broke, potentially losing my home, and struggling to afford even food, all because of Chase Bank, a subsidiary of JPMorgan Chase Bank , N.A . \n\nPlease read more in my ATTACHMENT, including the 45-PAGE COMPLAINT that I sent to Chase 's Headquarters, receiving nary an acknowledgement of receipt,. much less any assistance in this matter, while my newly created Chase Bank account was illegitimately placed on 'hold \" shortly after I opened it in an attempt to generate a Bonus {$300.00} enticement that I was flooded with in my mailbox, and I estimate that I have between {$5000.00} and {$6000.00} in my Chase Bank account as of today, XX/XX/XXXX, having been on hold since XX/XX/XXXX, which is now eightry days and counting since that illegitimate 'hold ' began. My attachment ( below ) INCLUDES MUCH, MUCH MORE DETAIL REGARDING THIS MATTER, including exhibits AND PROOF, Complaints from hundreds of other people over the same conduct, and examples of JPMorgan Chase Bank 's prior illegal activity and felonies perpetrated against Americans. ... \n\nThank you ( Much more info in the Attachment below, called ( Major Complaint ; Illicit Hold ; Freeze ; Block quickly placed on my new Chase Bank 's so-called Total Checking Account, which I opened after multiple enticements, with no basis or articulable reason for the 'Block ', then subject to rigged ID attempts ) 45 pages","date_sent_to_company":"2025-09-01T07:25:49.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"17552","tags":"Older American","has_narrative":true,"complaint_id":"15651647","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-09-01T07:00:43.000Z","state":"PA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":[", yet just as appalling as the reason I complained <em>about</em> last year against JPMorgan Chase Bank, N.A., and this Immediate <em>Complaint</em> is AFTER I attempted to reach out to JPMorgan 's Executive Branch in XXXX XXXX XXXX on two occasions via email in late XXXX ( XXXX ) with a XXXX <em>Complaint</em>, yet JPMorgan didn't even have the common courtesy to acknowledge their receipt of my repeated <em>Complaints</em>, much less do anything to assist me."]},"sort":[9.0858555,"15651647"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":43,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":43}]}},"product":{"doc_count":43,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage","doc_count":33,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":16},{"key":"FHA mortgage","doc_count":7},{"key":"VA mortgage","doc_count":5},{"key":"Conventional fixed mortgage","doc_count":2},{"key":"Home equity loan or line of credit (HELOC)","doc_count":1},{"key":"Other type of mortgage","doc_count":1},{"key":"Reverse mortgage","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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