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02/02/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | An Explanation of Your Complaint I opened a mortgage account in XXXX with Bank of America for my rental property loan and setup auto payment for monthly mortgage payment, never had any issues.
In XXXX beginning, I was traveling and forgot to review the house insurance for a week, Bank of America end up buying the insurance on my behalf and charged me. In this process, BOA Opened an ESCROW account ( without my knowledge ) and never closed after the job was done. I always manage my mortgage and other payments ( without any ESCROW account ).
In XX/XX/XXXX, I started seeing missing mortgage payments as they were not applied to my mortgage account even though there was debit from my checking account. I started getting letters that I may need financial assistance etc. After investigation, I learned that portion of my monthly mortgage is being credited to the ESCROW account and hence the remaining amount is not sufficient to be applied against the monthly mortgage commitments. There were no communication from Bank about it. I visited XXXX XXXX several times, also visited XXXX XXXX XXXX XXXX BEGGING to Please close my ESCROW account as I DO NOT need it and my financials are in Good standing situation.
Bank personnel kept promising me that they will follow up and ensure its closed. It Never happened.
It is IMPACTING my HEALTH as I got so much Stress due to this USELESS issue and it has also impacted my Credit history.
Few recent tickets were opened with BOA and I never heard back on the updates Ticket # XXXX Ticket # XXXX.
I am Really really sick and tired - BOA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE PLEASE HELP CLOSING IT ASAP.IM LOSING MY PATIENCE.
CALL ME IMMEDIATELY..
XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 94,582 | null | Consent provided | Web | 02/02/23 | Closed with non-monetary relief | Yes | null | 6,531,013 |
01/19/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | FIRST CITIZENS BANCSHARES, INC. | NC | 27,244 | null | null | Web | 02/08/23 | Closed with explanation | Yes | null | 6,459,775 |
02/13/23 | Mortgage | Reverse mortgage | Trouble during payment process | null | null | null | MUTUAL OF OMAHA MORTGAGE, LLC | MI | 48,111 | Older American, Servicemember | null | Web | 02/13/23 | In progress | Yes | null | 6,566,173 |
02/08/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | GUARANTEED RATE INC. | GA | 30,344 | null | null | Web | 02/08/23 | In progress | Yes | null | 6,546,376 |
02/18/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NC | 27,615 | null | null | Web | 02/18/23 | Closed with explanation | Yes | null | 6,584,765 |
01/31/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | We got approved for our loan modification ( after trial payments made ) XXXX and paperwork was signed and turned in XX/XX/XXXX. The process is still not complete we can not get a straight answer not to mention we have not been able to get an accurate payoff since XXXX. No one can explain or answer questions not to mention they keep asking my husband if we want to foreclose even though our payments are being made on time. We are also getting XXXX on our taxes cause they have not applied any payments to our mortgage since XXXX so we can not claim mortgage interest and full escrow on our taxes. The mortgage company keeps saying they sent us a form to refill out but wont send another one saying it shows we received it. They will not provide us that tracking number either. I think they are hoping we cave and give the house back as it is not normal for a bank to ask if you want to foreclose as you are making the payment. We need help!!!!! The bank is Truist formerly Suntrust. I have also reached out on social media and they just lie to us. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | TX | 79,705 | null | Consent provided | Web | 01/31/23 | Closed with explanation | Yes | null | 6,504,347 |
02/16/23 | Mortgage | Home equity loan or line of credit (HELOC) | Trouble during payment process | null | null | null | SECURITY SERVICE FEDERAL CREDIT UNION | UT | 84,094 | null | null | Web | 02/16/23 | In progress | Yes | null | 6,579,370 |
02/04/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | Kentucky Housing Corporation | KY | 42,757 | null | null | Web | 02/04/23 | Closed with explanation | Yes | null | 6,527,583 |
02/20/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | LAKEVIEW LOAN SERVICING, LLC | CA | 94,590 | null | null | Web | 02/20/23 | Closed with explanation | Yes | null | 6,594,131 |
02/12/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | NATIONSTAR MORTGAGE LLC | CA | 92,128 | null | null | Web | 02/12/23 | Closed with explanation | Yes | null | 6,561,713 |
01/31/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | Dovenmuehle Mortgage, Inc. | MI | 48,170 | null | null | Web | 02/22/23 | Closed with explanation | Yes | null | 6,512,115 |
02/02/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Ocwen Financial Corporation | NC | 28,625 | null | Consent not provided | Web | 02/02/23 | Closed with explanation | Yes | null | 6,532,083 |
02/20/23 | Mortgage | VA mortgage | Struggling to pay mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | VA | 22,172 | Servicemember | null | Web | 02/20/23 | Closed with explanation | Yes | null | 6,592,265 |
11/18/22 | Mortgage | VA mortgage | Struggling to pay mortgage | null | Went into forbearance in XXXX. XXXX due to unemployment from Covid. Submitted application packet 1 for loan modification options to begin repayment in XXXX XXXX. Called so many times. Was told packet was lost in mail. Submitted 2nd packet in XX/XX/XXXX. Never heard back. Could not log into account, did not receive any statements. Every time I call, it takes at least an hour. Called my XXXX XXXX XXXX XXXX about it. She said XXXX have a partial payment plan option. To ask for that. I would begin regular mortgage payments and begin scheduled payments on the past due amount from the forbearance period. They ignored her emails. She was persistent and was eventually told they do not participate in the program. I was told they received the packet in XX/XX/XXXX but it had expired. I called often and asked for a system. I was asked again to send another loan modification application. They are like 15 pages long. I told them no. I started making double payments in XX/XX/XXXX. The loan is still behind. XXXX from the chairman office at citizen called after hearing my complaints. She sent me papers to fill out, and I scanned and emailed them that say. This was in early XXXX. I mailed my XXXX, recent paystubs, hardship letter for why I went into forbearance in XXXX. Two weeks later I was sent a letter saying they needed another letter and recent paystubs. I literally had gotten paid that day. I emailed it in. This week I got a call from XXXX in the office of the chairman. She said she is closing my case because it seems like things are okay now. I told her I had gotten no response from loss mitigation. She said it takes them 30 days or so from the date of the packet. I told her it had been 30 days. She said she couldnt help. Loss mitigation needs to contact me, I told her I have been making double payments since XXXX and I need to see a statement. I was told there are no statements when in loss mitigation. I was about XXXX behind on payments. It is currently around XXXX by my calculations. I sent an email requesting they do not close my case as it is not resolved and that Id line them to communicate through legal representation from this point forward. I have not hired a lawyer. XXXX emailed today asking for my attorneys contact info. I have not heard anything from loss mitigation still. I guess I am going to waste money on hiring a lawyer instead of paying the mortgage. | null | CITIZENS FINANCIAL GROUP, INC. | PA | 16,117 | Servicemember | Consent provided | Web | 11/19/22 | Closed with explanation | Yes | null | 6,219,742 |
02/07/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | We purchased our home in XX/XX/XXXX with over {$80000.00} of equity in it. The mortgage company was XXXX. On XX/XX/XXXX, our home flooded. We immediately moved into a hotel for 4 months ( that we had to pay for ), then in XX/XX/XXXX we moved into a XXXX trailer for the next 18 months. During this time we were reassigned to XXXX. As a result of the XXXX XXXX XXXX of XXXX, we were put into mortgage forbearance. Long story short, we submitted for hard-ship or refinance 8 times and have been turned down each time. In almost every instance there was something wrong with our paperwork and on XXXX occasions, when we were waiting on a reply after we though everything was fine, XXXX came back and said they apologize but we had been reassigned to a new XXXX. My wife even lost her job and XXXX would not help. Keep in mind, during the early stages we had a ton of equity in the property and asked several times to just add the outstanding balance to the back of the loan. Each time we were turned down and the only remedy was to pay-off the entire amount. We even went to our XXXX XXXX for assistance and were turned down by XXXX. I have had to file Bankruptcy 3 times to avoid losing my home and my wife has filed once. We just submitted to again to be refinanced to no avail as we are now way behind in payments. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Specialized Loan Servicing Holdings LLC | LA | 70,816 | null | Consent provided | Web | 02/07/23 | Closed with explanation | Yes | null | 6,541,595 |
02/04/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | PNC Bank N.A. | AL | 35,242 | null | null | Web | 02/04/23 | In progress | Yes | null | 6,526,070 |
02/05/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | FIFTH THIRD FINANCIAL CORPORATION | FL | 32,827 | null | null | Web | 02/05/23 | Closed with monetary relief | Yes | null | 6,522,772 |
02/21/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | BANK OF AMERICA, NATIONAL ASSOCIATION | FL | 34,986 | Older American | null | Phone | 02/21/23 | In progress | Yes | null | 6,599,717 |
01/27/23 | Mortgage | FHA mortgage | Problem with a credit reporting company's investigation into an existing problem | null | null | null | PLANET HOME LENDING, LLC | MD | 20,721 | null | null | Web | 02/17/23 | Closed with explanation | Yes | null | 6,494,582 |
01/27/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | IN | 46,375 | Older American | null | Phone | 01/27/23 | Closed with explanation | Yes | null | 6,495,478 |
01/30/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | PNC Bank N.A. | DC | 20,020 | null | null | Web | 01/30/23 | Closed with explanation | Yes | null | 6,505,636 |
02/01/23 | Mortgage | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | NATIONSTAR MORTGAGE LLC | FL | 32,966 | null | null | Web | 02/23/23 | In progress | Yes | null | 6,517,323 |
02/08/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Right after XXXX, I was attempting to Re instate my mortgage with a deferral agreement with shell point mtg. I agreed to the Deferral Agreement in XX/XX/2021, and was obligated to pay {$12000.00}. I was in constant communication with the lender. as I was waiting for funds to come in, which happened XXXX XX/XX/2021. XXXX XX/XX/2021, Shellpoint served me with Foreclosure Paperwork. I began the Deferral Agreement, and I have not missed a payment since. The issue is the Bank wants to charge me, over {$5000.00} in legal fees, {$990.00} in other fees, and a Monthly payment of {$4200.00}. Its over {$11000.00}. They should have never done that. How can I get that removed. | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | NY | 11,729 | null | Consent provided | Web | 02/08/23 | Closed with explanation | Yes | null | 6,540,599 |
02/22/23 | Mortgage | Home equity loan or line of credit (HELOC) | Trouble during payment process | null | null | null | NAVY FEDERAL CREDIT UNION | null | 28,120 | null | null | Web | 02/22/23 | In progress | Yes | null | 6,596,625 |
02/02/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | CrossCountry Mortgage LLC | MD | 21,921 | null | null | Web | 02/02/23 | Closed with explanation | Yes | null | 6,531,038 |
02/12/23 | Mortgage | Home equity loan or line of credit (HELOC) | Trouble during payment process | null | null | null | WELLS FARGO & COMPANY | CA | 91,765 | Older American | null | Web | 02/12/23 | In progress | Yes | null | 6,559,485 |
02/22/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | RoundPoint Mortgage Servicing Corporation | VA | 23,024 | Older American | null | Web | 02/22/23 | Closed with explanation | Yes | null | 6,602,770 |
11/19/22 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | United Shore Financial Services, LLC | CA | 91,773 | null | null | Web | 02/17/23 | In progress | Yes | null | 6,219,495 |
02/08/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | CITIZENS FINANCIAL GROUP, INC. | NJ | 7,016 | null | null | Web | 02/08/23 | In progress | Yes | null | 6,546,903 |
02/17/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | Company believes it acted appropriately as authorized by contract or law | Village Capital & Investment LLC | IN | 46,304 | null | null | Web | 02/17/23 | Closed with explanation | Yes | null | 6,585,206 |
02/22/23 | Mortgage | Other type of mortgage | Struggling to pay mortgage | null | null | null | Siwell Inc | AL | 36,312 | null | null | Web | 02/22/23 | Closed with explanation | Yes | null | 6,596,859 |
02/21/23 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Lennar Financial Services, LLC | AZ | 85,248 | null | null | Web | 02/21/23 | Closed with explanation | Yes | null | 6,598,134 |
02/08/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | BANCO POPULAR DE PUERTO RICO | NC | 28,650 | null | null | Web | 02/08/23 | Closed with explanation | Yes | null | 6,549,065 |
02/22/23 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | null | null | WELLS FARGO & COMPANY | OH | 43,311 | Servicemember | null | Web | 02/22/23 | In progress | Yes | null | 6,602,533 |
02/12/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 95,120 | null | Consent not provided | Web | 02/12/23 | Closed with explanation | Yes | null | 6,563,695 |
02/21/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | Rocket Mortgage, LLC | PA | 17,316 | null | null | Web | 02/21/23 | Closed with explanation | Yes | null | 6,597,160 |
02/15/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | WELLS FARGO & COMPANY | FL | 32,439 | null | null | Web | 02/15/23 | In progress | Yes | null | 6,575,021 |
12/27/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | Upon my husbands released from the XXXX hospital down in XXXX XXXX for XXXX XXXX XXXX symptoms are hardship has been throughout the month of the year in XXXX. I sign up to have my loan my mortgage loan put on a modification, which it was a three month modification trial. Before we can start a mitigation, lost mitigation due to XXXX XXXX XXXXXXXX prepaid card that weve been on through XXXX or through XXXX somebody had fraudulently use the card and took out all the money in the bank now that put us in for our last payment, we defaulted in XXXX not because we didnt have it, but because somebody took it out of our bank account, which is leaving us now into it like an open area basically for any foreclosure. What can we do to stop this prevent this maybe look at another avenue weve lived in this house for six years when we want to keep it. Its our home. | Company believes the complaint provided an opportunity to answer consumer's questions | AMERISAVE MORTGAGE CORPORATION | CA | 93,309 | null | Consent provided | Web | 02/10/23 | Closed with explanation | Yes | null | 6,367,472 |
02/19/23 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | null | null | Better Mortgage, Inc. | NJ | 7,650 | null | null | Web | 02/20/23 | Closed with explanation | Yes | null | 6,590,527 |
02/21/23 | Mortgage | Other type of mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 91,767 | Older American, Servicemember | Other | Web | 02/21/23 | Closed with non-monetary relief | Yes | null | 6,598,207 |
02/02/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | PNC Bank N.A. | null | null | null | null | Web | 02/02/23 | In progress | Yes | null | 6,531,340 |
03/03/23 | Mortgage | Other type of mortgage | Closing on a mortgage | null | null | null | BANK OF AMERICA, NATIONAL ASSOCIATION | NV | 89,144 | null | null | Web | 03/03/23 | In progress | Yes | null | 6,642,943 |
02/21/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | CA | 93,311 | Older American | null | Web | 02/21/23 | Closed with explanation | Yes | null | 6,598,067 |
02/18/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | TX | 78,224 | Servicemember | Consent not provided | Web | 02/18/23 | Closed with explanation | Yes | null | 6,584,320 |
02/13/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | BANK OF AMERICA, NATIONAL ASSOCIATION | VA | 20,121 | null | null | Web | 02/13/23 | In progress | Yes | null | 6,567,407 |
02/17/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | CARRINGTON MORTGAGE SERVICES, LLC | GA | 30,354 | Servicemember | null | Web | 02/17/23 | In progress | Yes | null | 6,578,675 |
02/16/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | SPS ( servicer ) and XXXX XXXX ( investor ) refuse to review the mortgage for any workout options. Please see attached Qualified Written Request, reply accurately and in full, and please review the homeowner for a loan modification and/or repayment plan. A complete assistance request package to follow within 48 hours. | Company believes it acted appropriately as authorized by contract or law | SELECT PORTFOLIO SERVICING, INC. | CA | 92,651 | null | Consent provided | Web | 02/16/23 | Closed with explanation | Yes | null | 6,574,474 |
02/10/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | FIFTH THIRD FINANCIAL CORPORATION | IL | 62,263 | null | null | Web | 02/10/23 | Closed with explanation | Yes | null | 6,558,085 |
02/16/23 | Mortgage | VA mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | M&T BANK CORPORATION | NY | 11,787 | Servicemember | Consent not provided | Web | 02/16/23 | Closed with explanation | Yes | null | 6,581,875 |
02/09/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | I became ill and was hospitalized, I requested a modification and never received one, there was a sale scheduled, and I was advised to file XXXX XXXX XXXX, and usually they will agree to a modification. That didn't happen. I find myself XXXX and am still trying to get a modification. They continue to ask for more recently dated documents, but there has been no movement. | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | MD | 20,877 | null | Consent provided | Web | 02/09/23 | Closed with explanation | Yes | null | 6,553,170 |
02/20/23 | Mortgage | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 95,394 | null | Consent not provided | Web | 02/20/23 | Closed with explanation | Yes | null | 6,594,813 |
02/12/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | FIFTH THIRD FINANCIAL CORPORATION | VA | 22,180 | null | null | Web | 02/12/23 | Closed with explanation | Yes | null | 6,562,704 |
02/12/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Select Portfolio Servicing, XXXX XXXX XXXX, UT ( XXXX XXXX XXXX, UT, XXXX ) refuses to refund the XXXXXXXX XXXX I paid from XXXX XXXX to XXXX XXXX of {$2600.00}. FEMA sent XXXX certificates to Select Portfolio Servicing showing my property isn't in a flood plane and said, " You're due a full 1 year refund. '' I contacted Select Portfolio Servicing by phone several times in XXXX XXXX and XXXX XXXX, and was told I was due a refund by customer service representatives. The law states if a homeowner proves with a FEMA certificate that they aren't in a flood plane, then the lender who fraudulently charged the homeowner XXXX XXXX, is required to refund 1 year of XXXX XXXX paid.
Today, XX/XX/XXXX I still haven't received my refund and the last contact with Select Portfolio Servicing, XX/XX/XXXX, they stated, " you aren't due a refund for the Flood Insurance you paid. '' Select Portfolio Servicing Inc. is stealing from homeowners and they keep getting away with it! Why are homeowners unprotected from lender fraud? | Company believes it acted appropriately as authorized by contract or law | SELECT PORTFOLIO SERVICING, INC. | ID | 83,716 | null | Consent provided | Web | 02/12/23 | Closed with explanation | Yes | null | 6,562,722 |
02/21/23 | Mortgage | FHA mortgage | Incorrect information on your report | null | null | null | NATIONSTAR MORTGAGE LLC | NM | 87,120 | Older American, Servicemember | Other | Web | 02/21/23 | Closed with explanation | Yes | null | 6,593,570 |
02/18/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | PENNYMAC LOAN SERVICES, LLC. | TX | 78,620 | null | null | Web | 02/18/23 | Closed with explanation | Yes | null | 6,588,366 |
02/17/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | WA | 98,077 | null | Consent not provided | Web | 02/17/23 | Closed with explanation | Yes | null | 6,578,900 |
02/17/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | CITIZENS FINANCIAL GROUP, INC. | NY | 11,780 | Older American | null | Web | 02/17/23 | In progress | Yes | null | 6,585,155 |
01/30/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | WELLS FARGO & COMPANY | TX | 75,001 | null | null | Phone | 02/17/23 | In progress | Yes | null | 6,506,939 |
02/14/23 | Mortgage | Reverse mortgage | Trouble during payment process | null | null | null | Real Time Group, Inc. | FL | 33,054 | Older American | null | Referral | 02/14/23 | Closed with explanation | Yes | null | 6,568,897 |
02/09/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | We have newrez or shell point, we tried to get money out of escrow, they do it pay homeowners on time, and just screw up on everything. They say they can pay homeowners insurance 30 days late while I get letters from home owners insurance that they will drop. We put 50 % down and have never been late. They said we dont meet requirements which we do. Calling lawyer and states attorney for XXXX over old people. Thank you XXXX XXXX | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | FL | 34,431 | Older American | Consent provided | Web | 02/09/23 | Closed with explanation | Yes | null | 6,550,724 |
02/03/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | Company believes it acted appropriately as authorized by contract or law | SELECT PORTFOLIO SERVICING, INC. | DC | 20,005 | null | Other | Web | 02/03/23 | Closed with explanation | Yes | null | 6,526,240 |
01/24/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Your questions do not apply! XX/XX/XXXX last year I had a fire at my home, in XXXX XXXX, at XXXX XXXX. While in the XXXX, XXXX XXXX sent a group of XXXXXXXX XXXX, off XXXX XXXX XXXX, XXXX XXXX. This company did not have employees and contacted XXXX XXXX XXXX XXXXXXXX. They had No employees, so they picked a band of XXXX unsupervised XXXX, not bonded, and they destroyed my home.
The water from the fire department was left to warp all the wood floors and created mold.
XXXX XXXX sent the checks to repair the home. Shellpoint is a wantabe Bank/Collection company. The mortgage was with XXXX and XXXX sold the mortgage. My friend at XXXX XXXX stated it is illegal to with hold money for their own self centered reasons.
Shellpoint told my son ; 'We are waiting for your Dad to not pay us. We will resell the house and keep your Dad 's {$33000.00} for repairs. ' I have a XXXX XXXXXXXX. I have Nowhere to live and a home I can not repair or live in. I have sent Attorney General XXXX XXXX information on this. Retained Attorney XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX is next. Open for ideas with these manipulating XXXX. They told my son, they want ME to pay off the loan and them what with the repairs?
Contact me at ( XXXX ) XXXX text first/call, E-mail to XXXX, XXXX XXXX XXXX attorney at law, this hotel on XXXX XXXX XXXX XXXX XXXX XXXX. Good Luck working with thieves!
Sincerely, XXXX XXXX XXXX | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | OH | 45,240 | Older American | Consent provided | Web | 02/16/23 | Closed with explanation | Yes | null | 6,473,399 |
02/16/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | Idaho Housing And Finance Association | TX | 78,237 | null | null | Web | 02/16/23 | Closed with explanation | Yes | null | 6,582,110 |
02/13/23 | Mortgage | Home equity loan or line of credit (HELOC) | Trouble during payment process | null | null | null | HUNTINGTON NATIONAL BANK, THE | WV | 25,801 | null | null | Web | 02/13/23 | Closed with monetary relief | Yes | null | 6,565,737 |
02/09/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | WELLS FARGO & COMPANY | IL | 60,517 | null | null | Web | 02/09/23 | In progress | Yes | null | 6,553,971 |
02/16/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company believes it acted appropriately as authorized by contract or law | SELECT PORTFOLIO SERVICING, INC. | FL | 34,105 | null | null | Web | 02/16/23 | Closed with explanation | Yes | null | 6,581,261 |
02/07/23 | Mortgage | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | null | null | null | WELLS FARGO & COMPANY | FL | 33,578 | Older American | null | Web | 02/07/23 | In progress | Yes | null | 6,541,027 |
02/03/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Specialized Loan Servicing Holdings LLC | GA | 30,305 | null | null | Web | 02/03/23 | In progress | Yes | null | 6,528,052 |
02/06/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | WELLS FARGO & COMPANY | NJ | 7,019 | Older American | null | Web | 02/06/23 | In progress | Yes | null | 6,537,002 |
01/25/23 | Mortgage | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | CARDINAL FINANCIAL COMPANY | TX | 75,201 | Older American, Servicemember | null | Web | 02/18/23 | Closed with explanation | Yes | null | 6,488,436 |
02/25/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | JPMORGAN CHASE & CO. | CA | 92,694 | null | Consent withdrawn | Web | 02/25/23 | Closed with explanation | Yes | null | 6,611,338 |
02/03/23 | Mortgage | FHA mortgage | Trouble during payment process | null | I have a mortgage on my home through M & T bank they put 2 parcels on my lot when there is only one. So after that happened my monthly payment went up over {$300.00}. I called one year ago today to find out why i paid double the amount if property taxes and not one person could give me an answer for over a month. I called back after another payment posted with the additional money and was told that i paid for 2 parcels and it was a clerical error and i would get my money back from the city at the end of the year! So i have to pay over {$3000.00} for their error and now the year is up and the payment has not went back down. I asked what would happen if i didn't have the extra {$300.00} a month in my account to pay for the mortgage and was told that my house would have been foreclosed on. Ive never ever received a formal letter from the bank explaining how they messed up. After a year i finally reached a breaking point and called my lawyer and he found it outrageous that this has happened. This is horrible for anyone to deal with. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | M&T BANK CORPORATION | PA | 19,128 | null | Consent provided | Web | 02/03/23 | Closed with monetary relief | Yes | null | 6,531,128 |
02/27/23 | Mortgage | Conventional home mortgage | Incorrect information on your report | null | null | null | NATIONSTAR MORTGAGE LLC | NJ | 8,043 | null | null | Web | 02/27/23 | Closed with explanation | Yes | null | 6,623,288 |
02/01/23 | Mortgage | VA mortgage | Struggling to pay mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | AR | 72,653 | Older American, Servicemember | Other | Web | 02/01/23 | Closed with explanation | Yes | null | 6,515,415 |
02/18/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | MI | 48,097 | null | Consent not provided | Web | 02/18/23 | Closed with explanation | Yes | null | 6,584,489 |
02/24/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | NC | 28,602 | null | null | Web | 02/24/23 | Closed with explanation | Yes | null | 6,613,873 |
01/31/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | Company disputes the facts presented in the complaint | Guild Mortgage Company LLC | LA | 71,109 | null | Consent not provided | Web | 01/31/23 | Closed with explanation | Yes | null | 6,512,365 |
01/13/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | Ocwen Financial Corporation | NY | 10,562 | null | null | Web | 02/10/23 | Closed with explanation | Yes | null | 6,441,782 |
02/11/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I am writing in regard to the mortgage on my property at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Mortgage Loan Number : XXXX.
My Mortgage servicer, NewRez LLC, did not properly credit the payment that I made on XX/XX/2022 in the amount of {$97000.00}. This payment was equal to the payoff amount the company quoted me through their website that same day and should have paid off the loan in full. Apparently, since the payment through the online payment portal, and did not follow NewRez 's " protocol '' for paying off the loan, the payment was not credited as a payoff. I phoned their customer service number three times explaining that the payment was meant as a payoff and to correct the error before writing and sending them the attached notice of error. I have not received a response to my letter as of today. I have called their customer service line twice more since then as the problem is not resolved and no one from the company has reached out to me. Each time I called, I was assured by their customer service representative that the error would be corrected and the loan would be paid off in full. As of today, this error has not been corrected. | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | FL | 32,561 | Servicemember | Consent provided | Web | 02/11/23 | Closed with monetary relief | Yes | null | 6,560,176 |
02/14/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | FIFTH THIRD FINANCIAL CORPORATION | CO | 80,209 | null | null | Web | 02/14/23 | Closed with non-monetary relief | Yes | null | 6,569,898 |
02/22/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | WELLS FARGO & COMPANY | CA | 91,007 | Older American | null | Web | 02/23/23 | In progress | Yes | null | 6,602,050 |
02/16/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) | MI | 49,912 | null | null | Web | 02/17/23 | Closed with explanation | Yes | null | 6,579,529 |
02/06/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Rocket Mortgage, LLC | AR | 72,002 | null | null | Referral | 02/06/23 | In progress | Yes | null | 6,537,530 |
02/21/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | CITIZENS FINANCIAL GROUP, INC. | OH | 45,205 | null | null | Web | 02/21/23 | In progress | Yes | null | 6,598,737 |
02/06/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | WELLS FARGO & COMPANY | TX | 78,660 | null | null | Web | 02/06/23 | In progress | Yes | null | 6,537,567 |
02/07/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | CARRINGTON MORTGAGE SERVICES, LLC | TX | 77,373 | Older American, Servicemember | null | Phone | 02/07/23 | In progress | Yes | null | 6,541,513 |
02/07/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | FIFTH THIRD FINANCIAL CORPORATION | FL | 33,952 | Servicemember | null | Web | 02/07/23 | In progress | Yes | null | 6,541,855 |
02/05/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | 1. A Foreclosure on my FHA mortgage for XX/XX/XXXX with No notice to you or posted on the Property. 2. Claims of an incomplete Loss Mitigation application despite providing all documents requested. 3. Having a Homeowner Assistance Application in process for my FHA mortgage this is all happening with loan care | Company has responded to the consumer and the CFPB and chooses not to provide a public response | LoanCare, LLC | MI | 49,250 | null | Consent provided | Web | 02/05/23 | Closed with explanation | Yes | null | 6,522,991 |
02/05/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | CrossCountry Mortgage LLC | MS | 38,851 | null | null | Web | 02/05/23 | In progress | Yes | null | 6,524,297 |
02/11/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I have a mortgage with XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX.
( XXXX ) XXXX My mortgage/loan number is : XXXX My loan processor for my mortgage is : Select Portfolio Servicing , INC , located at Select Portfolio Servicing , Inc .
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX. I have had my mortgage for 1 year. My mortgage is {$11000.00} and I have paid my XX/XX/XXXX mortgage on XXXXXXXX/XXXX via wire in the amount of {$11000.00}.
2. The wire was sent from my XXXX checking account ending in XXXX.
3. The XX/XX/XXXX mortgage payment was made via wire from the same XXXXXXXX XXXXXXXX
4. The XX/XX/XXXX mortgage payment was made via wire from the same XXXX XXXX
5. All of my mortgage payments have been in an amount greater than the amount due.
6. On XX/XX/XXXX I received an email from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX notifying me that XXXX XXXX XXXXl had not received my XX/XX/XXXX mortgage payment.
7. On XX/XX/XXXX I called XXXX XXXX XXXXl and spoke with XXXX XXXX, Mortgage Operations Assistant at XXXX XXXXXXXX XXXX to inform XXXX XXXX XXXX that I had already paid the XX/XX/XXXX mortgage payment to Select Portfolio Servicing on XX/XX/XXXX via wire in the amount of {$11000.00}. While on the phone with XXXX XXXX, I called Select Portfolio Servicing and they confirmed receipt of the wire on XX/XX/XXXX in the amount of {$11000.00} and assured us that they would apply the payment as they were running behind.
8. On the XX/XX/XXXX I emailed XXXX XXXX, Account Executive at XXXX XXXX XXXX, XXXX XXXX, Chief Operations Officer and XXXX XXXX, Mortgage Operations Officer at XXXX XXXX XXXX a copy of the wire payment receipt in the amount of {$11000.00} to Select Portfolio Servicing from my XXXX XXXX account ending in XXXX. ( See copy enclosed copy of wire confirmation receipt, below ) 9. As of today, XX/XX/XXXX Select Portfolio Servicing has not applied my XX/XX/XXXX mortgage payment.
10. At XXXX XX/XX/XXXX I called and spoke with XXXX XXXX XXXX XXXX '', Supervisor at Select Portfolio Servicing at extension XXXX on a recorded line to inquire about the status of my XX/XX/XXXX mortgage payment.
11. XXXX XXXX informed me that she was emailing the cashier department to escalate the application of the XX/XX/XXXX mortgage payment tonight and that the payment would be applied tomorrow morning XX/XX/XXXX.
12. Please see the dates of the correspondence regarding this timely XX/XX/XXXX mortgage payment : a. On XX/XX/XXXX payment made b. On XX/XX/XXXX correspondence received by XXXX XXXX XXXX regarding the missing XXXX mortgage payment.
c. On XX/XX/XXXX correspondence responding to XXXX XXXX XXXX with email of wire confirmation payment receipt.
d. On XX/XX/XXXX phone call with XXXX XXXX XXXX and Select Portfolio Servicing to inquire about the XXXX payment not yet applied to my mortgage account.
d. On XX/XX/XXXX phone call to Select Portfolio Servicing and this email correspondence regarding the same XXXX mortgage payment still not applied to my mortgage account 13 days after it was paid via wire from my XXXX checking account to the Select Portfolio Servicing Chase checking account.
13. As my lender I am asking for your assistance to resolve this issue of my XX/XX/XXXX mortgage payment not being applied by Select Portfolio Servicing.
14. According to the Federal Trade Commission ( FTC ) the servicing company ( Select Portfolio Servicing ) is required to : a. Apply payments on the day they are received so to avoid fees, b. Review and keep records regarding my mortgage, c. Pay taxes and insurance from the mortgage payment, d. Track down late payments.
15. Under the Real Estate Settlement Procedure Act ( RESPA ) Select Portfolio Servicing is required to : a. Acknowledge my correspondence in five business days. On XX/XX/XXXX I requested the expeditious application of the XX/XX/XXXX payment. As of today, I have not received any correspondence from Select Portfolio Servicing regarding the status of said payment or its status. This is well beyond the required 5 days.
16, I have made all of my mortgage payments on time. At no time has any mortgage payment bee 30 days late.
17. Select Portfolio Servicing ( your servicing company ) is causing me undue and tortuous harm as the late application of my XX/XX/XXXX mortgage payment will accrue undue fees and penalties XXXX. I have made numerous phone calls to both Select Portfolio Servicing and XXXX XXXX XXXX XXXX in regards to applying my XXXX mortgage payment as required by law. To date, I have been given assurances that the XX/XX/XXXX payment received would be applied to my account. As of XX/XX/XXXX. The only correspondence I have received in writing is an " Early Intervention Notice '' as of XX/XX/XXXX via online document delivery. I advised XXXX XXXX XXXX that if this matter is not resolved and my payment applied then I would file a complaint to the Consumer Financial Protection Bureau ( CFPB ) for action.
19. The delay in applying my XX/XX/XXXX mortgage payment threatens to place me in default of my mortgage in addition to undue penalties and fees which would constitute a financial crime.
20. Time is of the essence as I have exhausted all available remedies via phone call and email correspondence. | Company believes it acted appropriately as authorized by contract or law | SELECT PORTFOLIO SERVICING, INC. | TX | 77,478 | Servicemember | Consent provided | Web | 02/11/23 | Closed with explanation | Yes | null | 6,554,693 |
02/20/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | MIDFIRST BANK | MN | 55,117 | null | null | Web | 02/20/23 | Closed with explanation | Yes | null | 6,594,904 |
02/06/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | CITIZENS FINANCIAL GROUP, INC. | NY | 11,104 | null | null | Web | 02/06/23 | In progress | Yes | null | 6,537,782 |
02/21/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Selene Holdings LLC | IL | 60,446 | null | Other | Web | 02/21/23 | Closed with explanation | Yes | null | 6,597,110 |
02/21/23 | Mortgage | Other type of mortgage | Struggling to pay mortgage | null | null | null | WELLS FARGO & COMPANY | WI | 53,216 | null | null | Web | 02/21/23 | In progress | Yes | null | 6,597,781 |
02/16/23 | Mortgage | VA mortgage | Trouble during payment process | null | null | null | AmeriHome Mortgage Company, LLC | FL | 34,788 | Servicemember | null | Web | 02/16/23 | In progress | Yes | null | 6,579,380 |
01/31/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | Wells Fargo denied loan modification on my property, forcing me to file for bankruptcy in 2019. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | FL | 33,351 | null | Consent provided | Web | 01/31/23 | Closed with explanation | Yes | null | 6,510,514 |
01/25/23 | Mortgage | Conventional home mortgage | Incorrect information on your report | null | Having bought a home for {$310000.00} at the height of the market in XXXX and struggling to keep it during the housing crisis plus dealing health issues ; I decide to sell in XX/XX/XXXX to move to another town for work. My home was still under water and had to list it at {$190000.00} as a short sale while a new developer was selling homes around the corner for {$160000.00}. Despite that, it was under contract within the first week although Wells Fargo would not accept the sale. Between XX/XX/XXXX and XX/XX/XXXX, Wells Fargo repeatedly refused to accept the sale until I made it clear I was already living in another town due to work I was physically able to do. The house finally closed as a short sale in XX/XX/XXXX for XXXX. I have the paperwork to show their agreement to the SHORT SALE, however it was years later that I finally discovered the short sale was listed as a foreclosure. In fact in XX/XX/XXXX I attempted to get a mortgage only to be hustled out of the office without being told why. This broker at a State Bank location in XXXX Arizona did not tell me my short sale was shown as a foreclosure and I went several years more before someone would tell me what they were seeing on my credit report. I have tried since then to have this corrected with Wells Fargo denying any wrongdoing. Now my credit report is excellent but now I am retired after years on XXXX and can not afford a home when I should have been able to purchase a home the summer of XXXX ; 2years after the short sale was completed.
Wells Fargo ruined my life. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | UT | 84,741 | Older American | Consent provided | Web | 01/25/23 | Closed with explanation | Yes | null | 6,483,755 |
02/10/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | NATIONSTAR MORTGAGE LLC | SC | 29,708 | null | null | Web | 02/10/23 | Closed with explanation | Yes | null | 6,558,234 |
02/06/23 | Mortgage | Home equity loan or line of credit (HELOC) | Trouble during payment process | null | This complaint is for a home equity line of credit ( HELOC ) with Specialized Loan Servicing ( part of the XXXX XXXX ) at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX.
XX/XX/XXXX : I received a payoff quote of {$120.00}. There was no previous balance due on the account, and the payoff amount was for fees to release the lien.
XX/XX/XXXX : I submitted a letter to SLS requesting that they freeze my account to so that I may pay the payoff amount and close the account. I submitted this letter per instructions from an SLS rep.
XX/XX/XXXX : I paid {$120.00} per the payoff quote.
XX/XX/XXXX : I received an email confirmation from SLS that my payment had been applied to my account.
XX/XX/XXXX : I called XXXXLS to request that my payment be applied to my account and for the account to be closed. I was told that the payment would be applied within a few days and that by XX/XX/XXXX I should receive a letter from SLS that the lien has been released and account closed.
XX/XX/XXXX : SLS generated the monthly account statement on this date and the {$120.00} payment is still unapplied.
XX/XX/XXXX : I did not receive a letter from SLS about releasing the lien and closing the account.
XX/XX/XXXX : I have still not received a letter from SLS about releasing the lien and closing the account. I called SLS to ask about the status of closing the account. I was told that I needed to submit a letter requesting the account to be closed and a copy of my drivers license. I was not told this information when I requested the payoff quote or when I called SLS in XX/XX/XXXX. The SLS rep said she would escalate my complaint to a supervisor who would call me back to also tell me that I need to submit a letter requesting the account to be closed and a copy of my drivers license.
I believe the company is intentionally not closing the account and changing the requirements to close the account in order to keep the account open as long as possible and stop from losing a customer. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Specialized Loan Servicing Holdings LLC | CA | 95,020 | Servicemember | Consent provided | Web | 02/06/23 | Closed with explanation | Yes | null | 6,536,803 |
02/02/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I had a Wells Fargo mortgage between XXXX I believe my interest rate was mishandled. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | IL | 60,649 | null | Consent provided | Web | 02/02/23 | Closed with explanation | Yes | null | 6,533,088 |