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02/10/23

Mortgage

Conventional home mortgage

Struggling to pay mortgage

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

TN

Consent not provided

Web

02/10/23

Closed with explanation

Yes

02/21/23

Mortgage

FHA mortgage

Struggling to pay mortgage

Friedman Law Associates, PC

PA

Web

02/21/23

Closed with monetary relief

Yes

02/21/23

Mortgage

Conventional home mortgage

Struggling to pay mortgage

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

CA

Servicemember

Web

02/21/23

Closed with explanation

Yes

01/24/23

Mortgage

FHA mortgage

Closing on a mortgage

During covid we were put on the covid relief plan. My wife knew nothing about this and I was never told it would have to be paid off at the end of the mortgage. I still made the payments. I filed 2 complaints with Wells Fargo and they denied both. We somehow had to owe an extra XXXX that got " put into a 2nd mortgage loan '' that nobody told us about until we were selling the house we find out we owe a lot of extra money and we almost lost everything. There were no phone calls about this nobody called me or told me. My wife knew nothing. Neither of us signed anything. They said it was all done online in my account. That's putting a lot of trust in something online with no signatures or proof

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

MN

Consent provided

Web

01/24/23

Closed with explanation

Yes

02/28/23

Mortgage

Conventional home mortgage

Trouble during payment process

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Freedom Mortgage Company

AZ

Consent not provided

Web

02/28/23

Closed with explanation

Yes

01/25/23

Mortgage

Conventional home mortgage

Struggling to pay mortgage

update : They refuse to respond to the state of maryland whose has approved HAF. They keep lying and pretending Maryland never contacted them repeatedly. original complaint : My Mother, a senior in her late XXXX, is being lied to and mistreated by Shellpoint Mortgage Servicing. She applied for HAF funds several months ago. In the meantime, Shellpoint offered her 3 months of trial payments to lead to a mortgage modification eventually. She didn't understand that if she completed shellpoint 's offer and also signed a mystery mortgage mod, that she would be considered up to date and no longer would quality for HAF funds. I caught this error before she signed off on a 40 year mortgage mod. Yes, shellpoint is offering a senior with a perfect XXXX credit score a 40 year mortgage. Now that HAF is back on the table Shellpoint is lying about contacting the state reps working to give out HAF funds. They ar emaking up imaginary dates that they tried to contact the state giving out the HAF funds. Meanwhile the state reps are on top of things and it's clear that Shellpoint Mortgage is conspiring to trick customers out of receicing HAF funds. It benefits Shellpoint to trick people into mortgage mods over customers receiving upto XXXX in principal reductions. They need to be monitored and investigated asap. Since first contacting Consumer Finance, Shellpoint appears to have committed fraud in the state of Maryland by lying to the Maryland Homeowners Assistance Fund which has caused a denial of a XXXX loan. They claimed that my Mother was in a modification with them and that she's not eligible for HAF loan. So they will make up total lies to undermine homeowners form receiving HAF funds.

Company believes it acted appropriately as authorized by contract or law

Shellpoint Partners, LLC

MD

Servicemember

Consent provided

Web

01/25/23

Closed with explanation

Yes

02/01/23

Mortgage

Conventional home mortgage

Trouble during payment process

I made a principal payment to bring my XXXX to 77.8 %. After it cleared I sent in a PMI waiver form to ask to have the PMI automatically removed. They are now saying the bar has been moved and I will need PMI until 65 % XXXX. NO where in my original loan documents from the original LOAN I signed did it state that. Also Washington state law does not allow PMI to be charged on any mortgage after 80 % PMI. They also said I need o get an appraisal which is crazy cause I have only been in the house for 4 years. How much value could it have lost i n the recent market. I have argued numerous times and now they want a check for a XXXX appraisal at my expense. I was always have been on the understanding PMI automatically removes unless there is some special circumstance such as a blighted neighborhood where the house may have lost value. This is with Flagstar Bank who is currently servicing the loan.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

NEW YORK COMMUNITY BANCORP INC

WA

Consent provided

Web

02/01/23

Closed with explanation

Yes

01/25/23

Mortgage

FHA mortgage

Closing on a mortgage

I suffered a loss to my home on XX/XX/XXXX. XXXX. It burned down and left us without a place to live. I can not afford to rebuild due to not having enough insurance so I have to sell the property as is. US Bank received a check for {$150000.00} from XXXX XXXX on or about XX/XX/XXXX to apply to the loan as I was not able to rebuild. They have repeatedly failed to apply theses monies and continue to call and harass me about the past due balance. They are continuing to move forward with the foreclosure process even though they have this money. I have been trying unsuccessfully to sell this property since XXXX and US Bank will not send me the correct payoff documents. In fact, they have repeatedly sent the incorrect payoff documents which has held up this sale for nearly 4 months while I incur late charges and additional past due loan amounts. I am unable to work due to disability right now and don't have stable housing. I can not deal with this additional stress. I am making no money off of this sale and have to pay nearly {$21000.00} myself which I don't have. I can not afford an attorney to help me. I just need someone to assist me with this process. Thank you

Company has responded to the consumer and the CFPB and chooses not to provide a public response

U.S. BANCORP

ME

Consent provided

Web

01/25/23

Closed with explanation

Yes

02/03/23

Mortgage

Conventional home mortgage

Trouble during payment process

AmeriHome Mortgage Company, LLC

FL

Servicemember

Web

02/03/23

In progress

Yes

01/16/23

Mortgage

VA mortgage

Closing on a mortgage

CFPB Complaint by XXXX, XXXX XXXX, & wife XXXX XXXX Re: Sellers Lenders Servicers Insurers; Originating, Participating & Profiting from Fraud in this VA Home Loan Real Estate Transaction of: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Village Capital & Investments, and XXXX XXXX XXXX XXXX XXXX, are under a monitoring agreement with CFPB, and we believe their participation in the fraud outlined in this complaint clearly demonstrates their willingness to continue to deal in financial deceptions. This complaint involves the below companies, and the timelines they actively participated. Referred to as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Servicer Village Capital & Investment, LLC., (VC&I) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ceased to legally exist in XXXX and were counterfeit and fraud in being used past that date. These identification numbers were used to create and develop the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a legally New manufactured home, set and declared as real property. These counterfeit numbers are the sole source of every contract in this complaint that every participating company or individual in this transaction relies upon. The creation of the fraud was intentionally calculated and designed to be concealed for illicit gain. Unless otherwise stated, this section refers to the XXXX transaction. (mh) refers to manufactured home, whereas (ms) refers to manufactured salvage/structure. 1. We, XXXX XXXX XXXX XXXX responded to a publicly advertised real estate mls in XXXX for a home on 5.14 acres. The property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX was offered by XXXX XXXX XXXX XXXX XXXX XXXX XXXX (XXXX), referred to as the XXXX Sellers. (Exhibit 1) a. XXXX XXXXs affiliated with XXXX XXXX XXXX XXXX (XXXX), the XXXX Title Ins. b. XXXX XXXX agent acted on behalf of us and XXXX Sellers and informed us that this property was sold a first-time in XXXX and the manufactured home (mh) on it was new when set in XXXX (Exhibit 1b) i. We asked why no title was obtained, and were assured the title had been eliminated, by the Certificate of Origin (as a new mh when set as real property in XXXX), and the vehicle title was surrendered through the DMV process. c. We had the right to believe and rely upon what was presented to us was true by Sellers in the XXXX deal. Seller breached contract by fraudulent misrepresentation. (Exhibit 1c) 2. The property listing we were initially drawn toward was, (Exhibit 2), fit VA requirements, per our realtor and lender. The mls listed the manufactured home (mh), advertised as High-end XXXX XXXX 2,280 sq. ft, VA financeable. a. It was originally presented to be new in XXXX, according to a prior mls listing. (Exhibit 2a) 3. Our realtor agent urged a referral for Lenders agent, who was with XXXX XXXX XXXX.), who in turn referred us to the structural engineer, appraiser and the property Title Insurer, XXXX XXXX and local agents. We were told that this little group worked well together, and each knew their duties. a. The Appraiser, in his VA and Lender appraisal, noted no HUD Labels, (Exhibit 3a), yet still completed his appraisal, comparing this illegally set structure to legally set ones. i. Appraiser, according to the HUD rules, should have stopped. Instead he continued and completed his appraisal report as if everything was complete and legal. (Exhibit 3i) b. The VA has informed us that if the facts of this appraisal do not meet the requirements, their remedy could be to indemnify the VA obligation in this loan/contract. c. In XXXX VA staff verbally advised us not to make further repair on the (XXXX) since our intent is to have it removed and replaced to the legal purchase that we intended and believed was made in XXXX d. Sellers and Lenders did not obtain the legally required HUD certification verified through the national database, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. (Exhibit 15) e. Given that the (mh) was presumed and advertised as new in XXXX, there was no logical excuse or reason for this legally vital information to not have been available. (Exhibit 3e) f. We have been repeatedly informed by nearly everyone we have discussed this with, that the process is simple; when HUD Labels are missing, then an XXXX equivalent is required, which, to this date, on this property, nobody but us has ever provided. The one we got in XXXX should have been obtained in XXXX by Sellers, Lender, etc., and our XXXX confirms the transaction was never legal. 4. The entire XXXX home property sale and purchase turned out to be a clear fraud. a. The (mh) being advertised, presented and sold, was not even close to any of the mls descriptions. The claimed (mh) was, in fact, legally a manufactured salvage (ms), and legally non-existent past XXXX. 5. Sellers, Lenders, Servicers, etc., had a duty to know this sale was not legal, that the (mh) was not financeable under VA, nor legally existed past XXXX when it was wrecked, HUD decertified and only for salvage use. a. Sellers, Lenders, Servicers and Insurers rules, guidelines and/or procedures, require knowing it. i. Each financial institution admits knowing the rules; each point to another for liability. 6. The fact is that all the profiting institutions and/or agents misrepresented and misled us in the XXXX fraudulent sale, and none complied with the legally required duty to disclose. a. The financially profiting parties assured us all requirements were met and the sale was good to go. We believed and trusted them that the (ms) was as advertised, and was legally set, legally declared and legally taxed as real property. 7. Additional concealment was in Sellers contract, where Sellers inserted non-existent HUD Label certification numbers as if they had legal standing, knowing they were not legitimate. (Exhibit 7) a. Every contract or obligation that relied on this forged and fraudulent information is counterfeit. 8. With parties assurances of legal compliance, we closed the mortgage deal in XXXX, XXXX. This closing further buried the intentionally, fraudulently concealed information, that is now known to us, from which Sellers, etc., created the financial fraud which continues to compound damages. a. The VA (Veterans Affairs) acted as guaranty and has informed us that it would not have done so had the true history and character of the home property been known. 9. Sellers breached our XXXX contract; the (ms) property was not legally insurable. (Exhibit 9). a. Our home-owner insurance was cancelled after the confirmed fraud. Multiple attempts to obtain other home property insurance (aside from liability), is unavailable. (Exhibit 9a) b. Sellers, XXXX XXXX XXXX had a duty to know of the fraud in XXXX (Exhibit 13a) c. Sellers all had a duty to not commit real property mortgage fraud; the (ms) was not eligible to sale for habitation purposes, and Sellers, Realtors, Lenders and Insurers knew that our intent was to purchase a home. (Exhibit 9c). d. We relied on the representation of the (ms) as legally qualifying and it did not. (Exhibit 9d) Sellers, etc., had a duty to know the (ms) was not eligible under Seller, VA, etc., rules. (Exhibit15e) 10. Our XXXX title insurance policy/contract with XXXX etc., states, Amount of Insurance: XXXX This figure is derived from the entire purchase price which included the (ms), not just the $35,000 valuation for acreage only, that Insurers now claim thats all it covers. (Exhibit 10) a. Insurers took money from us to cover the (ms). We insist this is proof the (ms) is fully covered. b. Our contract affirmatively covers adverse events of fraud, forgery, improper or unauthorized filings in official records, and adverse events affecting property marketability, insurability, use, enjoyment, and character. (Exhibit 10b) 11. The description of land in the contract include the structures, i.e., affixed improvements (ms). (g) "Land": The land described in Schedule A, and affixed improvements that by law constitute real property... a. XXXX XXXX XXXX XXXX XXXX XXXX adopted XXXX rules that clarify a manufactured home set as real property is to be covered. (Exhibit 11a and 11b) 12. In order for Insurer to exclude/deny coverage of the (ms) in an adverse (fraud or other) event discovered, a XXXX Exception is required to have been issued in our XXXX contract in Schedule B, and there is no XXXX existing anywhere in this contract. (Exhibit 12) a. Insurers failed or refused to use the required XXXX language shows an understood intent that this (ms) is covered. This is confirmed by the XXXX Commitment requiring (mh) Endorsements (Exhibit 12a) and the Lenders were specifically issued added XXXX 7 Endorsements. (Exhibit 12b and 12c) ii. We question Insurers motivation in omitting the required XXXX language in the contract, as a deliberate, extension of favoritism to the Lender in order to grant XXXX 7 Endorsements. iii. Had Insurers used the XXXX in the policy/contract, Lenders would not have had any access to any XXXX 7 Endorsement granting any security for any loss incurred by the (ms) title matters. If Lenders didnt get XXXX 7 protections, we are convinced this sale would have been rejected by them. b. Having no XXXX in our contract requires Insurers pay our total loss claim. i. Insurers denial of our claim reflects being clearly ambiguous and prejudicial. ii. We would have rejected the entire purchase if there was XXXX language as that would have clearly omitted the purpose for the home loan purchase. c. Our contract instructs Insurer is to pay a claim within 30-days of the claim submitted to them. We can only conclude that Insurers denial of our claim is intentionally motivated to cause us harm. i. Insurers are to pay an additional 10% for delay of payment in covering this claim. ii. Insurers are to pay to replace the (ms) at todays replacement costs per our contract. 13. Insurer agent, XXXX XXXX, XXXX XXXX, now XXXX XXXX, has used the word fraud in verbally discussing this case. XXXX XXXX has refused to respond to inquiry. a. Insurers who exclude coverage after a claim is filed for discovered and confirmed adverse event, is nothing short of a fraudulent act in itself, or an outright theft, by Insurers. 14. When the fraud was confirmed XXXX XXXX XXXX, it was becoming clearer of how involved this concealed fraud and forgery matter is. It was exposed only in going outside of the small circle of the XXXX recommended individuals who all participated in this sale. What we were starting to discover was: a. The (ms) was not eligible by governing rules to sell as VA financeable. (Exhibit 13a). b. It is logical to conclude that if Sellers, by their own rules are prohibited from obtaining control of a property, then its equally logical to conclude they had no legal right to sell it. 15. The fraud remained concealed in Sellers and Lenders refusal to obtain XXXX XXXX XXXX. Had it been done, the fraud would have been revealed as it was when we received XXXX letter in XXXX (Exhibit 15) a. Had Sellers and Lenders obtained the required XXXX this legal dilemma would not exist. i. The only questions we now have are, was this gross negligence, or something more nefarious, for example, did one or more individuals have personal knowledge of the fraud, refused to admit what they knew, and chose to participate in it? ii. We do know that a representative at XXXX XXXX XXXX XXXX XXXX, Idaho, had heard of this event. The representative admitted that there were only a handful of transport companies, and the news of this transport damage apparently made it a talking point in the local region. So, how many others participated in this industry conversation? b. The ms did not legally exist after being wrecked, decertified and paid off as total loss by XXXX XXXX insurer, in XXXX (Exhibit 15b) c. Manufacturer built a new manufactured home for the original buyer. (Exhibit 15c) i. The salvage structure was obtained by a dealer who originated this intentional, concealed, orchestrated real property fraud for the purpose of illicit financial gain. ii. The (ms) HUD Labels were ordered removed. The supporting documents, including the MCO, and Dataplate should have been removed and destroyed or returned to the manufacturer and in compliance with this process it would have ensured that this fraud never could have happened. iii. The documents were not returned. In fact, they were used in the official records, and later relied upon by the appraisers and the engineers reports. (Exhibit 3a and 15ciii) d. On XXXX XXXX XXXX a manufacturer manager stated the (ms) did not legally exist; he advised we speak with the Idaho Dept. of Building Safety, XXXX XXXX (Exhibit 15d) e. XXXX XXXX later informed us: not for human occupancy or habitation and there is no process in Idaho to set (ms) on a permanent foundation as real property. (Exhibit 15e) 16. The wrecked, for salvage use ms, was obtained by a then mh dealer, who bought this property and developed it, into what is now known as XXXX XXXX XXXX XXXX XXXX, Idaho. a. The mh dealer knowingly used fraudulent, forged, non-existent HUD Certification Labels of XXXX and XXXX, in union with Serial XXXX and XXXX. i. These numbers legally ceased to exist in XXXX, were used, and theres your fraud. 17. Sellers, Lenders, etc., had to clearly know that this sale was not legally allowed to be performed. a. Sellers, etc., committed financial mortgage fraud. 18. XXXX XXXX XXXX, linked to Insurer, XXXX XXXX XXXX XXXX, had legal and regulatory duty to maintain filed proof of the (ms) as HUD certified or XXXX verified. a. XXXX and XXXX Lenders immediately transferred the Servicer contract to XXXX XXXX XXXX). No Seller, Servicer or Lender has produced to date the HUD certification or XXXX equivalent. 19. The Veteran Affairs has informed us that the Lenders are required to obtain HUD certification verification from the national databank when HUD Labels are missing from a (ms) in a VA home loan. a. XXXX XXXX XXXX VA communication with us confirms Lender had a duty to obtain the XXXX verification letter to assure compliance. (Exhibit 19a) XXXX XXXX Actively Conceals the Fraud From what we have learned from the Lender, XXXX between this current (XXXX) situation dealing with this property fraud, and their past history of deceptive actions towards veterans, we think the CFPB will be justified to take a closer look at their participation in the XXXX refinance to now. Lender XXXX XXXX XXXX XXXX XXXX), utilized fraudulent and incomplete documents from the XXXX file for the XXXX refinance of our VA home property loan. 20. In XXXX, interest rates were low, and we looked into a refinance with XXXX XXXX XXXX XXXX XXXX informed us the refinance (which would cost us nearly XXXX would be a fixed rate at 1.75% for the first three years, and then would become an XXXX, with an up to 1% increase or decrease in any given year, depending on the apr, but insisted they have never witnessed an increase or decrease of more than half a percent. This would eliminate the fixed rate of 3.75% we were paying. a. The economy was drastically different in XXXX from XXXX and equity was climbing. b. We asked XXXX if we needed to obtain a new appraisal and were informed none was required in a refinance. We were also told since the original was already in the file, that is what they would use. c. We paid professionals and believed hook, line and sinker, what we were being told was true, having no idea of the fraud at this point, though the fact information, i.e., referring to the XXXX appraisal was in the file and should have red-flagged and killed the refinance being sought. (Exhibits 3a, 3e and 3i) 21. XXXX never addressed the missing HUD Labels, though they had the appraisal. a. It makes us wonder what documents XXXX XXXX received from XXXX to grant XXXX 7 favoritism regarding the (ms). (Exhibit 21a) 22. XXXX XXXX XXXX continued as Servicer. In XXXX the Confirmation of the Mortgage Fraud Due to the economic chaos and instability real estate property values were sky-rocketing and interest rates were dropping, we decided to look into consolidating some high-interest debt into a low-interest HELOC. 23. In XXXX of XXXX we wanted to clear up credit card debt and free up funds for home repairs. Our bank required HUD Label pictures. We couldn't find any HUD Labels (tags), which were to be on the outside of the 'home'. (Exhibits 3a, 3e and 3i) 24. We spoke with our XXXX realtor who said the that the (mh) was HUD certified, and likely the tags were painted over or accidently removed in a re-siding or repair. a. We attempted to communicate with the (mh) dealer who developed this property and declared in XXXX that the (mh) he placed here was new. The dealer never took up residence at this address. b. We asked the (mh) manufacturer where else the HUD Labels might be and were told they are on the outside end corners of each section of the (mh). We were advised that people often accidentally paint over them or remove them in re-siding, not realizing their importance. We were told to feel for raised areas for the 2"x4" riveted metal tags. 25. Finding no HUD Labels, our HELOC was denied. XXXX XXXX spoke with the bank President who granted the small HELOC using realtor assurance and tax records that the (mh) was HUD certified. LOOKING BACK AND MOVING FORWARD 26. About XXXX XXXX XXXX, we received confirmation of irreversible real property mortgage fraud. With the confirmation, we realized the bank had every right to reject the HELOC. (Exhibit 15e) a. Prior to XXXX XXXX, we were assured by the XXXX Realtor, Lender and Engineer agents that the (ms) was HUD certified, or the XXXX loan could not have closed, and we were worried about nothing. These individuals recommended that we seek legal counsel and to file a claim with our title insurance. i. We communicated with and later retained counsel in the fall of XXXX. ii. We informed our home property insurance, who advised we file a title insurance claim. A. We filed a claim with the Title Insurers; XXXX denied the claim. 27. After informing our bank of our findings, we were told no further loan will be granted with this property as collateral. a. Through the grace of God, the bank said we could just continue making our payments and they would not require the full balance to be returned immediately. CONFIRMING FRAUD 28. On XXXX XXXX XXXX, the (ms) manufacturer sent us the wreck report. (Exhibit 15b & c). a. This information prompted us to contact the XXXX Lenders agent who insisted that the VA home loan could not close without the XXXX HUD certification. She insisted the (ms) was HUD certified. i. She said since she no longer was with XXXX XXXX XXXX XXXX XXXX, she had no access to the old file, and to contact them and request a copy. When XXXX said it was no longer the lender and we needed to contact XXXX for the information, our Lender agent said all we needed to do was to purchase an XXXX letter and this would verify HUD compliance. b. We purchased the XXXX connected with this (ms); it confirmed the wreck report. (Exhibit 15) c. To date the appraiser has refused to comment why he did not condition the (ms) appraisal for XXXX compliance status. (Exhibit 15f) i. We want to know how he compared a non-HUD certified (ms) with certified properties. 29. The Engineer was reached in XXXX XXXX XXXX. He was asked why his XXXX XXXX XXXX, report to the XXXX Lenders stated the HUD Label numbers as if he had seen them, when obviously he did not. The Engineer admitted he didnt report the missing HUD so not to kill our loan. a. The jaw-dropping information was not taken well. We told the Engineer that truth would have protected us all from this fraud. It was not his job to be concerned whether we got a loan on this property or found another property instead. b. The Engineer said he would speak with a friend in the county assessor office to find out how an appraiser was able to compare a non-HUD certified, for salvage use only, (ms), to property legally HUD certified. He said the response received was comparable for salvage is nil, meaning they dont exist. c. The Engineer advised we speak with the XXXX XXXX XXXX XXXX XXXX to inquire about the recertification process. i. We did, and the response was Idaho has no re-certification process. A decertified, for salvage structure is no longer legal for human habitation. (Exhibit 15e) a. This eliminated any question or doubt as to fraud existing. 30. We filed our claim in XXXX XXXX XXXX with XXXX Insurers, XXXX, as stated above. a. Our insurance contract covers fraud, forgery, etc., and our situation clearly was in the coverage. b. XXXX denied our claim in XXXX XXXX XXXX and has denied all requested reconsiderations. c. Insurers agent, at XXXX XXXX, now Title One XXXX, XXXX XXXX, admits this is fraud, but says XXXX, the (mh) dealer, is liable, not the insurance company. Our contract is with Insurers, not with XXXX. In XXXX Continued Inquiry into Mortgage Fraud We were advised by counsel to inquire about refinancing about how this information would be handled or dealt with by the professionals in the industry. We put an inquiry into the mortgage web-stream, and were immediately inundated daily with phone calls, postal service and emails -- with offers to refinance! XXXX XXXX XXXX XXXX 31. XXXX XXXX XXXX XXXX, was adamant it could work around the missing HUD information and could still refinance the property. a. We provided all the information we had, that we are legally required to disclose; they were fully aware that there were problems with XXXX information. b. XXXX President, XXXX XXXX admitted our concerns were valid, but obviously didnt care because the loan was already VA guaranteed. (Exhibit 31b) i. We were confused by XXXX response that it could work around fraudulent HUD info. c XXXX continued to press to refinance. We questioned how it could be legally achieved given the situation. (Exhibit 31c). d. This shows that even the XXXX penalty imposed by CFPB upon XXXX clearly wasnt a large enough punishment to detour them from continuing to participate in deceptive practices. 32. XXXX title insurer, Elevated Title, representative, XXXX XXXX, admitted he could not insure the (ms) after receiving the XXXX XXXX XXXX, XXXX information that we provided to him. We are unclear if XXXX deliberately omitted the correct XXXX or if it simply intentionally sent him the incorrect XXXX document. We made it a priority to assure XXXX was informed of the conflict with XXXX documents to avoid any errors of incorrect application. (Exhibit 32) a. We had demanded answers and required confirmation from the title insurance that the manufactured home structure would be covered if a refinance occurred. 33. That ended any hopes of XXXX refinance in XXXX -- In XXXX, XXXX told the XXXX XXXX XXXX XXXX) that it knew the loan required HUD Labels (tags) certification or XXXX equivalent. XXXX claims to have the required file. XXXX has refused to produce the XXXX HUD certification to us or to the XXXX to prove that the HUD Label numbers used in XXXX are not fraudulent. aXXXX XXXX compliance officer, XXXX XXXX informed us in XXXX more than once, that a manufactured home involved in a VA refinance requires HUD certification or XXXX equivalent. This is completely opposite of her boss (XXXX XXXX position. b. XXXX President, XXXX XXXX in XXXX claimed to the XXXX XXXX XXXX XXXX that XXXX would send the XXXX XXXX verification by email if requested through XXXX. i. This request to XXXX has been sent multiple times and XXXX has sent nothing. Village Capital & Investments, LLC., XXXX Similar to our experience with XXXX Village Capital & Investments, LLC. (VC&I), appeared to mirror XXXX, in attitude, intent, and process, and was as equally intense to rush a refinance, even when provided full disclosure of the property history to the best of our information and ability. Unknown to us, VC&I, the potential XXXX Lender, who was ultimately rejected by us, in dealing with this property fraud, has a past history of deceptive actions towards veterans, and we think the CFPB is justified to take a closer look at this organizations participation in continued mortgage financial frauds. 34. In the Spring of XXXX VC&I was made aware of the fraud connected with this property, including having the XXXX letter that we personally provided to them. a. The company, after many months, eventually acknowledged it could not legally refinance our property. (Exhibit 34a). 35. VC&I was planning to accept the fraudulently created Servicing contract from XXXX XXXX XXXX who had been the Servicer since XXXX. XXXX has since XXXX been consistently approached by us and requested to provide evidence of their contract legality of XXXX XXXX XXXX. a. XXXX computer-generated form letters claiming it was still looking for the document in question, were sporadically sent to us, and were nothing more than XXXX refusal or failure to produce the simple national databank verification, XXXX, or to just admit that the company never had the information. 36. XXXX passing the illegal-counterfeit contract to VC&I is no longer passing concealed fraud along, but is in fact, knowingly and willfully participating in this mortgage fraud. a. Like XXXX, VC&I has also refused to provide the simple legal compliance proof. 37. VC&Is claim to be unaware of the fraud before taking possession of the contract in an undated, unsigned response to our written inquiries, is a straight up lie. (Exhibit 37) a. Multiple proofs exist of VC&I being informed; evidence is both by electronic and written record. a. We demand VC&I explain how it can accept a fraudulent contract that it was aware of was fraud before it took possession of the contract, and how it can be legally enforced for VC&I illicit gain. 38. The damage is now compounded in the recent loss of our home-owner insurance and our inability to obtain any type of full coverage due to the entire fraudulent and counterfeit transaction. a. VC&I informed us the company will obtain its own insurance and force us to pay for it, at a higher rate, as is required in their (legally unenforceable) contract. This is nothing short of actively taking part in extortion. (Exhibit 38a) In XXXX the XXXX XXXX XXXX and XXXX 39. XXXX multiple times told the XXXX XXXX XXXX XXXX) that it had and would send the XXXX that it confirmed it was required to have in its refinance file of XXXX (Exhibit 39) a. XXXX has never fulfilled its offer to provide the simple proof. 40. We have reached out to other finance companies and realtors who agree that the manufactured structure, being described for salvage use, has zero equity value and cannot be financed. a. One expert in the real-estate industry who is not part of any of the transactions discussed submitted their overview in writing. Identify is omitted to avoid any repercussion to them. (Exhibit 40a) Veteran, XXXX XXXX has no intention of continuing to pay for the fraud, and intends to restructure how this deal proceeds. We have submitted some of the many documents that we have in our possession that prove our claims. SUMMARY 1. HUD Certification Labels XXXX XXXX XXXX, in union with Serial XXXX and XXXX ceased to legally exist in XXXX They were used to create and develop the address of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX as a legally New manufactured home, set and declared as real property. a. These counterfeit numbers are the sole source of every contract in this complaint that every participating company or individual in this transaction relies upon. The creation of the fraud was intentionally calculated and designed to be concealed for illicit gain. 2. Every company and individual using the non-existent HUD Label information in any contract has actively participated in real property mortgage fraud, knowingly or by refused or failed duties, built on and profited from the original fraud, that should have been discovered during the XXXX loan process. a. Federal CFRs, FHFA, Mortgage, Insurance and State Idaho Codes of fraud are in violation. 4. Had ONE of the involved performed their legal and fact-check duties in XXXX none of us would be here today. The fraud would have been revealed at that time. Instead all of the involved either change the subject (or transfer Servicer contracts) and none have stopped the financial hemorrhage of damages. 5. None of the parties ever produced a scintilla of evidence that any of them were within the legal compliance in this transaction. Clear-cut mortgage fraud occurred, and each company and individual who profited holds a degree of liability, equal to or exceeding the value of our intended purchase in this real estate transaction. a. It is hard to fathom, that out of all the involved companies, individuals and the roles each was to perform, that not one of them refused to move forward, when these missing HUD Labels were noted on the appraisal, and to only continue after the authorized documents were properly obtained. 6. We have been informed by multiple entities that the restoration remedy here is to remove the structure and replace it with a legally recognized home. This will require major actions of effort, finances and time to address. 7. The issue itself is quite simple. Contracts generated fraud have no legal enforceability. Use of fraudulent contracts defeat the need of professional licenses and certifications to sell their product. a. Fraud weakens, cheapens and ultimately destroys everything it touches. 8. We have no intention of continuing to pay for fraud. We are resolved to restructure how this deal proceeds. 9. Sellers, Lenders, Servicers, and Insurers have obviously produced none of the required legal verification documents, because they dont now, nor have they ever obtained them, and all of them have just flat-out refused to admit this simple truth. 10. Therefore, CFPB should find that all the involved parties be required to initiate full restitution stated below, promptly. 11. We are in communication with the VA to review this fraudulent home property transaction, and that it indemnify itself from all liability. The VA cannot enforce or participate in acting as a conduit to mortgage fraud. Being a federal agency a higher standard is required by them. 12. We, XXXX XXXX XXXX XXXX, have submitted the documents needed that clearly prove all nine (9) elements of fraud are met, against all of the companies involved. If this matter is not resolved now, our intent is to: 1. File legal actions against all involved in the XXXX XXXX XXXX XXXX fraudulent sale and financing. 2. Cease all future mortgage payments to force addressing the finance fraud deception. Our minimum resolution is attached.

Company believes it acted appropriately as authorized by contract or law

Village Capital & Investment LLC

ID

Servicemember

Consent provided

Web

02/06/23

Closed with explanation

Yes

02/11/23

Mortgage

Conventional home mortgage

Struggling to pay mortgage

NATIONSTAR MORTGAGE LLC

CA

Web

02/11/23

Closed with explanation

Yes

01/25/23

Mortgage

FHA mortgage

Applying for a mortgage or refinancing an existing mortgage

PENNYMAC LOAN SERVICES, LLC.

MD

Servicemember

Phone

02/15/23

Closed with explanation

Yes

02/17/23

Mortgage

FHA mortgage

Trouble during payment process

Company believes the complaint is the result of a misunderstanding

Shellpoint Partners, LLC

FL

Phone

02/17/23

Closed with explanation

Yes

03/09/23

Mortgage

Conventional home mortgage

Trouble during payment process

SANTANDER HOLDINGS USA, INC.

RI

Web

03/09/23

In progress

Yes

03/06/23

Mortgage

Home equity loan or line of credit (HELOC)

Applying for a mortgage or refinancing an existing mortgage

FlexPoint, Inc.

WA

Web

03/06/23

In progress

Yes

01/30/23

Mortgage

Conventional home mortgage

Applying for a mortgage or refinancing an existing mortgage

TD BANK US HOLDING COMPANY

FL

Web

01/30/23

Closed with explanation

Yes

02/07/23

Mortgage

Conventional home mortgage

Trouble during payment process

LoanCare, LLC

AZ

Web

02/07/23

In progress

Yes

12/19/22

Mortgage

Conventional home mortgage

Trouble during payment process

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRUIST FINANCIAL CORPORATION

GA

Older American

Consent not provided

Web

12/19/22

Closed with non-monetary relief

Yes

01/20/23

Mortgage

Conventional home mortgage

Struggling to pay mortgage

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

NY

Consent not provided

Web

01/20/23

Closed with explanation

Yes

01/28/23

Mortgage

Conventional home mortgage

Trouble during payment process

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Specialized Loan Servicing Holdings LLC

FL

Other

Web

01/28/23

Closed with explanation

Yes

01/28/23

Mortgage

FHA mortgage

Applying for a mortgage or refinancing an existing mortgage

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

FL

Other

Web

01/28/23

Closed with explanation

Yes

01/21/23

Mortgage

FHA mortgage

Struggling to pay mortgage

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

GA

Consent not provided

Web

01/21/23

Closed with explanation

Yes

08/31/22

Mortgage

Conventional home mortgage

Struggling to pay mortgage

CFPB closed a previous complain without chance to answer, loan company did never send any documentation about the fraud their are committing. The previous letter send XX/XX/2022 thru CFPB portal did not response all customer demands, without resolving this issue, loan company are committing fraud adding balance to a mortgage payment, payment that was pause during covid bringing this wrong amount due, CFPB are not following te correct steps to fix this situation, and loan mortgage company are committing mortgage fraud, I required a lawyer involved in these matter since loan company is refusing to provide all documentation that I requested thru CFPB complaints

Company has responded to the consumer and the CFPB and chooses not to provide a public response

LoanCare, LLC

FL

Consent provided

Web

08/31/22

Closed with explanation

Yes

02/23/23

Mortgage

FHA mortgage

Closing on a mortgage

Company believes it acted appropriately as authorized by contract or law

Shellpoint Partners, LLC

GA

Web

02/23/23

Closed with explanation

Yes

02/20/23

Mortgage

Conventional home mortgage

Struggling to pay mortgage

SANTANDER HOLDINGS USA, INC.

MI

Older American

Web

02/20/23

In progress

Yes

02/18/23

Mortgage

FHA mortgage

Trouble during payment process

Rocket Mortgage, LLC

SC

Web

02/18/23

Closed with explanation

Yes

02/18/23

Mortgage

Conventional home mortgage

Trouble during payment process

GUARANTEED RATE INC.

CA

Web

02/18/23

Closed with explanation

Yes

02/20/23

Mortgage

Conventional home mortgage

Trouble during payment process

PNC Bank N.A.

UT

Web

02/20/23

Closed with explanation

Yes

02/28/23

Mortgage

VA mortgage

Struggling to pay mortgage

MONEY SOURCE, THE

TN

Servicemember

Web

02/28/23

Closed with explanation

Yes

02/21/23

Mortgage

FHA mortgage

Trouble during payment process

PARAMOUNT RESIDENTIAL MORTGAGE GROUP

IN

Web

02/21/23

In progress

Yes

02/09/23

Mortgage

Conventional home mortgage

Trouble during payment process

MONEY SOURCE, THE

AA

Web

02/09/23

Closed with explanation

Yes

02/07/23

Mortgage

VA mortgage

Struggling to pay mortgage

Company believes it acted appropriately as authorized by contract or law

UNITED SERVICES AUTOMOBILE ASSOCIATION

VA

Older American, Servicemember

Consent not provided

Web

02/07/23

Closed with explanation

Yes

01/14/23

Mortgage

Conventional home mortgage

Applying for a mortgage or refinancing an existing mortgage

EQUIFAX, INC.

IL

Web

02/06/23

Closed with explanation

Yes

01/27/23

Mortgage

Conventional home mortgage

Trouble during payment process

Santander Consumer USA Holdings Inc.

MO

Web

01/27/23

Untimely response

No

01/11/23

Mortgage

Conventional home mortgage

Struggling to pay mortgage

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

VA

Older American, Servicemember

Phone

01/11/23

Closed with explanation

Yes

01/31/23

Mortgage

Conventional home mortgage

Applying for a mortgage or refinancing an existing mortgage

SELECT PORTFOLIO SERVICING, INC.

CA

Servicemember

Web

02/23/23

In progress

Yes

02/21/23

Mortgage

Conventional home mortgage

Trouble during payment process

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRUIST FINANCIAL CORPORATION

TX

Web

02/21/23

Closed with explanation

Yes

02/10/23

Mortgage

FHA mortgage

Struggling to pay mortgage

RUSHMORE LOAN MANAGEMENT SERVICES LLC

NM

Servicemember

Web

02/10/23

Closed with explanation

Yes

02/12/23

Mortgage

Conventional home mortgage

Struggling to pay mortgage

I filed a complaint with CFPB in XXXX of XXXX and did not get a satisfactory outcome. CFPB Complaint ID : XXXX I did speak with XXXX from the CFPB on XX/XX/XXXX and she looked at my case. She told me to File the complaint with OCC, FTC Fraud Department and my states AG Office. Since then, I have filed complaints with the Michigan State AGs Office, FTC, OCC and North Carolina State AGs Office. In my filings to the other agencies, I explained of the filing in XXXX to the CFPB and the unsatisfactory response I received from the bank, Flagstar. In each complaint I was told to refile the complaint with the CFPB. I have attached the file with the complaint to the OCC, for more clarity. I just want the bank to treat us fairly in this situation, so my attorney advised that I file this one last complaint with the CFPB before we move ahead with a lawsuit.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

NEW YORK COMMUNITY BANCORP INC

NC

Consent provided

Web

02/12/23

Closed with explanation

Yes

02/09/23

Mortgage

Conventional home mortgage

Trouble during payment process

I filed a complaint with the CFPB about Wells Fargo 's handling of my mortgage concerning the covid 19 motgage payment suspension period, I complained that Wells Fargo added money to my mortgage, money that I did not borrow, but a penalty for using the Covid mortgage payment suspension. Wells Fargo 's answer was to create virtually a second loan account for the assesed penalty. Again I must complain about this, The implied Covid mortgage payment suspension was that mortgage payments would be suspended and resume after the alotted time period without penalty. These terms were implied and I and I am sure many others are appaled that an important government social contract in time of Government Mandated Shut Downs, would be used to defraud the home owning public. No penalties should be assesed, and if they are allowed to be then the Government should be the one to pay those penalties. It was the Government who shut the country down, and tried to mitigate the loss of personal income by coming up with this program and other programs to help with the loss of that income. The adding of money owed or " borrowed '' to my mortgage account, when I never borrowed more, is not only improper but imoral.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

NJ

Older American

Consent provided

Web

02/09/23

Closed with explanation

Yes

02/26/23

Mortgage

VA mortgage

Incorrect information on your report

PENNYMAC LOAN SERVICES, LLC.

NC

Web

02/26/23

Closed with explanation

Yes

02/13/23

Mortgage

Home equity loan or line of credit (HELOC)

Applying for a mortgage or refinancing an existing mortgage

Applied for regular mortgage through Bank of America, and on the application was denied due to lien on my current mortgage, but this is false. I do t have any liens on my current mortgage. They did a hard credit check, and was directed to call their mortgage specialist. So, basically the Bank of America home lending Dept. falsified my application. I got a message asking to call them. No approval for loan with credit score of XXXX. No email explanation, no letter sent. I have zero liens in my name.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BANK OF AMERICA, NATIONAL ASSOCIATION

TX

Consent provided

Web

02/13/23

Closed with explanation

Yes

12/10/22

Mortgage

Home equity loan or line of credit (HELOC)

Trouble during payment process

Fidelity National Financial, Inc

IL

Older American

Web

02/22/23

Closed with explanation

Yes

02/07/23

Mortgage

Conventional home mortgage

Trouble during payment process

JPMORGAN CHASE & CO.

MD

Web

02/07/23

Closed with explanation

Yes

02/06/23

Mortgage

Conventional home mortgage

Closing on a mortgage

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRUIST FINANCIAL CORPORATION

FL

Referral

02/07/23

Closed with non-monetary relief

Yes

02/08/23

Mortgage

FHA mortgage

Applying for a mortgage or refinancing an existing mortgage

To whom it may concern, I am contacting you to file a complaint against Freedom Mortgage Corporation. I have been dealing with this company since XX/XX/XXXX after my father passed away. Unfortunately, the process with Freedom mortgage continues to get worse instead of better. From the moment my father passed, I have been working hand in hand with Freedom Mortgage to successfully get the loan modified and under my name for over a year and 5 months now and we are back at square one. I was first approved for the loan modification in XX/XX/XXXX. 2 days later I was surprised by a knock on my door by a Clerk handing me paperwork saying my house is under foreclosure. 2 days after being approved for my first loan modification. It goes to show that certain departments within Freedom mortgage are not working with each other correctly because how can something like that happen after communicating religiously from XX/XX/XXXX to XX/XX/XXXX to ensure that Freedom Mortgage was aware that I am interested in this home. I called Freedom Mortgage immediately after receiving the Foreclosure paperwork and I let them know the mistake theyve made, and they said they would pause the foreclosure and we will have to start the Loss of Mitigation process. At this point it was a waiting game. I continued to call Freedom Mortgage multiple times a week to make sure the process was being handled correctly and gathering any information I could as to what happened. I was told to just make sure Im making my monthly mortgage payments until the XXXX XXXX XXXX Department finishes my loan modification paperwork. In the meantime, I noticed they had the wrong address in my file. I called over 5 times just to change my address because every time I would call, my old address would be the one on file. Even though I called to request that change over 5 times, apparently it was never successfully changed. That caused so much stress and anxiety on my end because I knew that I wasnt going to receive very important documents in the mail that Freedom Mortgage was sending out because they were sending it to the wrong address ( an address that has no relation to me. ) Months went by of me paying my monthly mortgage on time while waiting on my loan modification and then one day I receive a call from a Notary asking me if Ive had time to go over my loan modification packet and if Im ready to sign it. Unfortunately, I never even received it because it was sent to a nonexistent address. I had barely any time to review it because I was then told by the notary that the packet was due to be returned the very next day even though they sent it to me 2 weeks prior. Upon receiving the packet from the notary, I realized that all the numbers were incorrect by a long shot. About {$20000.00} less than it shouldve been. I brought the attention to a representative of Freedom Mortgage, desperate and asking If I should sign the rep specifically said you must not sign, I need to get it escalated to an underwriter and redo the information she then proceeded to tell me that she spoke with her supervisor and had it escalated due to the inaccuracy. I called Freedom Mortgage to receive an update and I was getting nowhere. Unfortunately, with Freedom Mortgage, all of the representatives are not on the same page. One gives me the complete opposite information than another, so I was getting so frustrated that I had them escalate my case to a supervisor. I had been in contact with this XXXX since XX/XX/XXXX. This supervisor and I have been talking on a weekly basis, whether I called him, or he called me. Always receiving the same news of the underwriters have many cases on their desks and youre still in line this had been going on for four months. Until XX/XX/XXXX, the same notary called me ; I was thrilled thinking the underwriter had updated the information but also very confused because I had literally talked to the supervisor the day before and he just finished telling me that there was no new update and that we just had to keep patiently waiting. When I spoke with the notary, the same situation occurred I had never received my own physical copy of the FHA loan, still I asked if the notary could make me a copy for myself so I can review it. Low and behold, the notary arrives with the packet that showed the EXACT same date that I had from the old one dated XX/XX/XXXX. With the exact incorrect address on the first page and with it stating the HUD Partial Claim amount incorrect by {$20000.00} and counting. I called the supervisor who had been dealing with my case to update him what had just happened to have him tell me I should not sign it and that he doesnt know what is going on but that it must be a mistake and that he will speak with the underwriters and have this in writing about what happened continuing our weekly calls with no update. I called Freedom Mortgage In the beginning of XXXX to make my monthly set amount that I have been making since the month of XX/XX/XXXX. To then be told by a different supervisor that I am unable to make this payment because as of XX/XX/XXXX, I have been put back on foreclosure. Unfortunately, I am at a loss of words and a loss of hope for the company I have been dealing with. I am reaching out for a helping hand to get someones attention because I have received no help nor a real look at my file/ situation.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Freedom Mortgage Company

FL

Consent provided

Web

02/08/23

Closed with explanation

Yes

02/08/23

Mortgage

VA mortgage

Struggling to pay mortgage

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

AR

Older American, Servicemember

Consent not provided

Web

02/08/23

Closed with explanation

Yes

02/02/23

Mortgage

Conventional home mortgage

Trouble during payment process

FIFTH THIRD FINANCIAL CORPORATION

OH

Postal mail

02/02/23

In progress

Yes

02/16/23

Mortgage

Conventional home mortgage

Trouble during payment process

PENNYMAC LOAN SERVICES, LLC.

TX

Servicemember

Web

02/16/23

Closed with explanation

Yes

02/13/23

Mortgage

VA mortgage

Incorrect information on your report

Midland Mortgage is reporting my account as late, and missed payments for the months of XX/XX/XXXX and XX/XX/XXXX, despite the issue being a problem on their end. We were previously reported as late for several months at the end of last year and disputed it with XXXX in XX/XX/XXXX. Midland then confirmed that we were not late the report was updated to reflect that, but they are continuing to report us as late.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

MIDFIRST BANK

FL

Servicemember

Consent provided

Web

02/13/23

Closed with explanation

Yes

02/01/23

Mortgage

VA mortgage

Applying for a mortgage or refinancing an existing mortgage

Company disputes the facts presented in the complaint

Ozark Mountain Mortgage, LLC

AR

Servicemember

Web

02/28/23

Closed with monetary relief

Yes

02/08/23

Mortgage

Conventional home mortgage

Struggling to pay mortgage

PENNYMAC LOAN SERVICES, LLC.

FL

Phone

02/08/23

Closed with explanation

Yes

02/18/23

Mortgage

Conventional home mortgage

Closing on a mortgage

Fidelity National Financial, Inc

GA

Web

02/18/23

Closed with explanation

Yes

01/30/23

Mortgage

Conventional home mortgage

Trouble during payment process

I own a home in XXXXXXXX XXXX, and the mortgage is serviced by Specialized Loan Servicing LLC since XXXX. I have maintained homeowners property insurance without an escrow since XXXX. In XXXX, I purchased homeowners property insurance from XXXX XXXX with a expiration date of XX/XX/XXXX. Prior to XX/XX/XXXX, I did not receive a renewal reminder from XXXX XXXX Specialized Loan Servicing LLC or Insurance broker/Agent XXXX XXXX XXXX However, on or about XX/XX/XXXX, I contacted XXXX XXXX, XXXX XXXX for the purpose of renewing the policy. On XX/XX/XXXX, the policy agreement was signed and payment or the insurance premium was given to XXXX XXXX. On or about XX/XX/XXXX, I received a mailed notice and a robocall from Specialized Loan Servicing LLC requesting verification of homeowners insurance. On or about XX/XX/XXXX, I received a mailed copy of the homeowners insurance binder from XXXX XXXXXXXX XXXX XXXX XXXX, with an issue date of XX/XX/XXXX and an expiration date of XX/XX/XXXX but the declarations page contained a policy period of XX/XX/XXXX to XX/XX/XXXX. I also discovered that the policy period dates were already uploaded to the Specialized Loan Servicing LLC insurance verification website. I subsequently called and spoke with a Specialized Loan Servicing LLC customer service representative, who indicated that unless I have the insurance coverage issue date backdated from to XX/XX/XXXX, I would be billed for a lender placed insurance policy covering an 8 day lapse period. I contacted XXXX XXXX, XXXX XXXX to request a change of the issue date to XX/XX/XXXX. However, XXXX XXXX explained that the insurance issue date could not be backdated because additional days were required to produce the above insurance policy due to a change of insurance carriers. XXXX XXXX also indicated that there are no insurance carriers that would agree to cover an 8 day period lapse and a grace period should be offered due to the above circumstances. Contact was established with Specialized Loan Servicing LLC, customer service representatives on two separate occasions. However, the customer service representatives were adamant that a force placed insurance policy would be obtained from XXXX XXXX XXXX XXXX for the 8 day lapse in coverage in the form of escrow on the mortgage account. This policy could not be paid out of pocket. Additionally, Specialized Loan Servicing LLC did not have a grace period policy and there was not a complaint resolution desk to resolve to the above matter. Specialized Loan Servicing LLC arbitrarily and capriciously, assessed my mortgage account an additional fee, which they determined was owed for an homeowners insurance lapse from XX/XX/XXXX to XX/XX/XXXX. However, Specialized Loan Servicing , LLC has yet to produce a valid insurance binder for above period and their action appears contrary to a court settlement from court complaint, XXXX XXXX v. XXXX XXXX XXXXXXXX XXXX filed on XX/XX/XXXX, involving the same issues.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Specialized Loan Servicing Holdings LLC

MI

Servicemember

Consent provided

Web

01/30/23

Closed with explanation

Yes

01/30/23

Mortgage

Other type of mortgage

Struggling to pay mortgage

WELLS FARGO & COMPANY

UT

Other

Web

01/30/23

In progress

Yes

02/22/23

Mortgage

FHA mortgage

Struggling to pay mortgage

Company has responded to the consumer and the CFPB and chooses not to provide a public response

U.S. BANCORP

AZ

Web

02/22/23

Closed with explanation

Yes

02/27/23

Mortgage

FHA mortgage

Trouble during payment process

Caliber Home Loans, Inc.

TX

Web

02/27/23

Closed with explanation

Yes

02/21/23

Mortgage

Conventional home mortgage

Trouble during payment process

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Freedom Mortgage Company

IL

Older American

Web

02/21/23

Closed with explanation

Yes

02/24/23

Mortgage

Home equity loan or line of credit (HELOC)

Applying for a mortgage or refinancing an existing mortgage

GATEWAY FIRST BANK

CA

Phone

02/25/23

In progress

Yes

02/16/23

Mortgage

Conventional home mortgage

Trouble during payment process

Caliber Home Loans, Inc.

NY

Web

02/16/23

In progress

Yes

02/19/23

Mortgage

Conventional home mortgage

Struggling to pay mortgage

WELLS FARGO & COMPANY

MD

Web

02/19/23

In progress

Yes

02/20/23

Mortgage

Conventional home mortgage

Trouble during payment process

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Freedom Mortgage Company

AZ

Web

02/20/23

Closed with explanation

Yes

02/07/23

Mortgage

Conventional home mortgage

Trouble during payment process

United Shore Financial Services, LLC

CA

Web

02/07/23

Closed with explanation

Yes

02/03/23

Mortgage

FHA mortgage

Trouble during payment process

CARRINGTON MORTGAGE SERVICES, LLC

MI

Web

02/04/23

Closed with explanation

Yes

02/09/23

Mortgage

Other type of mortgage

Trouble during payment process

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Freedom Mortgage Company

CA

Web

02/09/23

Closed with explanation

Yes

02/13/23

Mortgage

Conventional home mortgage

Closing on a mortgage

NATIONSTAR MORTGAGE LLC

OH

Older American

Web

02/13/23

Closed with explanation

Yes

02/07/23

Mortgage

FHA mortgage

Closing on a mortgage

CountryPlace Acceptance Corporation

TX

Web

02/07/23

Closed with explanation

Yes

02/25/23

Mortgage

FHA mortgage

Trouble during payment process

AmeriHome Mortgage Company, LLC

AL

Web

02/26/23

In progress

Yes

02/21/23

Mortgage

Conventional home mortgage

Trouble during payment process

Company has responded to the consumer and the CFPB and chooses not to provide a public response

U.S. BANCORP

MD

Web

02/21/23

Closed with monetary relief

Yes

02/17/23

Mortgage

Conventional home mortgage

Trouble during payment process

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Specialized Loan Servicing Holdings LLC

TX

Web

02/17/23

Closed with explanation

Yes

02/23/23

Mortgage

Conventional home mortgage

Trouble during payment process

Company has responded to the consumer and the CFPB and chooses not to provide a public response

LoanCare, LLC

MN

Servicemember

Web

02/23/23

Closed with explanation

Yes

01/28/23

Mortgage

Other type of mortgage

Trouble during payment process

NATIONSTAR MORTGAGE LLC

NM

Older American, Servicemember

Web

01/28/23

Closed with explanation

Yes

02/17/23

Mortgage

Conventional home mortgage

Struggling to pay mortgage

WELLS FARGO & COMPANY

NY

Other

Web

02/17/23

In progress

Yes

02/07/23

Mortgage

FHA mortgage

Applying for a mortgage or refinancing an existing mortgage

Company has responded to the consumer and the CFPB and chooses not to provide a public response

M&T BANK CORPORATION

NJ

Phone

02/07/23

Closed with explanation

Yes

02/02/23

Mortgage

VA mortgage

Trouble during payment process

We have had multiple issues with our escrow account through LoanCare and XXXX XXXX. They are by far the worst servicing company I have ever experienced, through over 5 separate mortgages we've had. First, they refunded us $ XXXX from our account that needed to be used for taxes. When the taxes came to be paid, we waited for them to send us the notice to pay back the amount and it never came ( the funds remained on the side as we knew it had to be paid back. ) We received our tax bill from XXXX XXXX and they had to make adjustments to the value ( decreasing the amount due by appx $ XXXX ) and I've submitted to the loan servicer multiple times in the last 30 days so they can update our escrow needs. They continue to tell us it will be reviewed but in the meantime are trying to have us pay the higher amount towards our escrow. When the letter finally came regarding the $ XXXX, they did not give us an option to pay that alone, and just adjusted our mortgage payment by $ XXXX. Due to the constant errors in our escrow account, we've continuously placed requests to delete our escrow account and we would pay accordingly with XXXX XXXX and insurance company. They keep making excuses why it can't be done, saying the case will be " escalated '', and nothing happens. We have called over 10 times in the past 10 months to try and have the issue resolved. They told us we'd need a new appraisal to confirm we had 20 % equity in the home, so we confirmed we'd pay the fee and to order it. We called on several occasions over the last year to know when the appraisal would be ordered/completed and no one could answer. They told us a letter would be mailed with the cost and to sign off but a letter never came. This has been ongoing since we closed on the property since XX/XX/2021. We can not get ahold of anyone, the numbers we agreed to pay are incorrect, our tax escrow is incorrect, and after multiple requests to have everything resolved we are ignored, passed off, and lied to about why they can't help. We just want this fixed and to pay the proper amount on our mortgage. We've never missed a mortgage payment in over 10 years, have plenty of liquid assets, and no reason why we can't correct these items.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

LoanCare, LLC

FL

Servicemember

Consent provided

Web

02/02/23

Closed with explanation

Yes

02/17/23

Mortgage

Conventional home mortgage

Trouble during payment process

Selene Holdings LLC

FL

Web

02/17/23

In progress

Yes

02/21/23

Mortgage

Home equity loan or line of credit (HELOC)

Applying for a mortgage or refinancing an existing mortgage

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

MD

Web

02/22/23

Closed with explanation

Yes

02/14/23

Mortgage

Other type of mortgage

Closing on a mortgage

I was a previous XXXX XXXX at Flagstar Bank. I was laid off Tuesday XX/XX/XXXX. Shut out from helping close any loans I was working on. Will only be paid on loans closed by end of XX/XX/2023. Yet my clients have not been contacted, their loans are not moving forward. The company will not give me updates. And the clients are super upset and I will lose potentially over {$20000.00} in commissions by a bank that does not have the capacity to close these loans.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

NEW YORK COMMUNITY BANCORP INC

CA

Consent provided

Web

02/14/23

Closed with explanation

Yes

02/07/23

Mortgage

Conventional home mortgage

Applying for a mortgage or refinancing an existing mortgage

XXXX XXXX, I began the process of refinancing my home through Wells Fargo ( WF ). Currently, they are my mortgage company. I was told I needed to have the home appraised and the cost would be {$600.00}. I paid and in XX/XX/XXXX the home was appraised. The Valuation Report was sent to Wells Fargo for an underwriting review. This is where things got sticky. The Wells Fargo representative verified all the documents I submitted. Everything was going smoothly until I was asked about a home I returned to XXXX in XX/XX/XXXX due to financial difficulties I was experiencing. Although I voluntarily returned the home to XXXX after attempts to complete a short sale, it is listed as a foreclosure. Furthermore, the WF rep asked for various documents from XXXX such as payroll documents as check stubs, income taxes, billing statements from the XXXX XXXX XXXX where my son went to college. I informed the rep that I was employed with the XXXX XXXX XXXX at the time. Once an employee leaves the agency, payroll records are not maintained. Also, my XXXX graduated in XXXX. The university no longer maintained the billing statements. Lastly, I only keep tax records for XXXX yrs after filing. Therefore, I only had tax docs dating back to XXXX. I provided the WF representative a copy of the Letter of Explanation sent to XXXX discussing the circumstances surrounding my returning the home. The WF rep was also asking for detailed information regarding my FHA loan. WF was the holder of my mortgage at the time. Therefore, the information regarding the FHA loan was already on file. Note, at the time ( XX/XX/XXXX ), XX/XX/XXXX was more than 7 years prior. It is my understanding that financial institutions can not request information or ask for documents, etc., about incidents that occurred more that 7 years prior. Bottom line : Wells Fargo asked for information that did not align with the preliminary assessment I completed for them before being assigned a representative and was outside the 7 year window. I felt this tactic was used to substantiate denying me the loan. For the record, I am a XXXX American female over the age of XXXX.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

VA

Consent provided

Web

02/07/23

Closed with explanation

Yes

02/14/23

Mortgage

Conventional home mortgage

Struggling to pay mortgage

Company believes it acted appropriately as authorized by contract or law

Shellpoint Partners, LLC

CA

Consent not provided

Web

02/14/23

Closed with explanation

Yes

02/08/23

Mortgage

FHA mortgage

Trouble during payment process

NATIONSTAR MORTGAGE LLC

NJ

Web

02/08/23

In progress

Yes

02/09/23

Mortgage

Home equity loan or line of credit (HELOC)

Applying for a mortgage or refinancing an existing mortgage

HUNTINGTON NATIONAL BANK, THE

PA

Web

02/09/23

Closed with explanation

Yes

02/02/23

Mortgage

FHA mortgage

Struggling to pay mortgage

Specialized Loan Servicing Holdings LLC

GA

Older American

Web

02/02/23

In progress

Yes

02/15/23

Mortgage

Conventional home mortgage

Incorrect information on your report

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

Web

02/15/23

In progress

Yes

02/09/23

Mortgage

VA mortgage

Trouble during payment process

WELLS FARGO & COMPANY

TN

Servicemember

Web

02/09/23

In progress

Yes

02/21/23

Mortgage

Home equity loan or line of credit (HELOC)

Applying for a mortgage or refinancing an existing mortgage

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BANK OF AMERICA, NATIONAL ASSOCIATION

CA

Consent not provided

Web

02/21/23

Closed with explanation

Yes

02/08/23

Mortgage

Conventional home mortgage

Trouble during payment process

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Freedom Mortgage Company

IL

Postal mail

02/08/23

Closed with explanation

Yes

02/14/23

Mortgage

VA mortgage

Struggling to pay mortgage

On or about XX/XX/XXXX, I started the process to obtain a loan modification. The loan modification is still being worked as of XX/XX/XXXX. On that date I submitted the most recently requested documents to Freedom Mortgages Loss Mitigation Department. I have complied with every request that has been made by the Loss Mitigation Department. I have completed follow up calls to Freedom Mortgage as well, the last call was placed on Thursday, XX/XX/XXXX, to follow up on the documents I emailed on XX/XX/XXXX. I spoke with customer service representative XXXX, who advised me that the documents I submitted on the XXXX had still not been uploaded to my account. The suspense date for these documents is XX/XX/XXXX. I submitted the requested documents well ahead of the deadline via their email address ( XXXX XXXX XXXX ). I received an auto reply email from Freedom Mortgage stating that the documents were received on XX/XX/XXXX. When speaking with XXXX she mentioned that they ( Freedom Mortgage ) were behind on uploading loss mitigation documents and they were working to get that rectified. I also questioned why the account status was showing as active foreclosure when I am obviously working on a loan modification and have been for over one year. XXXX advised that status would change once the most recent documents submitted on XX/XX/XXXX, were uploaded, however, the foreclosure was initiated prior to the most recent document request with no explanation, as stated previously, there was a loan modification in process since XX/XX/XXXX. I never received anything from Freedom Mortgage stating I had not complied with their document requests or anything that would put the loan modification in jeopardy and move me into a foreclosure. I simply got a letter stating they had started a foreclosure and follow up from their foreclosure attorneys stating the same. I have complied with every request that was made to me either by phone or by letter from Freedom Mortgage. It is my belief that any foreclosure proceeding should immediately be stopped due to the ongoing loan modification. Furthermore, I am a disabled veteran and this is a guaranteed VA loan. I have been reaching out to VA to advise them of what has taken place concerning this loan, the loan modification, and the foreclosure. I have called the last 2 days leaving messages with the rep assigned from VA. So, far there has been no response to either call. In XXXX of XXXX, Freedom Mortgage held virtual appointments to help with getting the loan back on track after a Covid-19 forbearance. I scheduled an appointment and spoke with a representative via a zoom type call. I was advised that because it was a VA loan I was eligible for a VA based loan modification. When asked how long the process would take, I was advised 30-45 days. Here we are over a year later, and not only has the loan modification not been completed, but I am also now somehow facing foreclosure. I have received different information from the representatives every time I call in to check the status of the modification or to follow up on documents I have submitted. At one point, I received a letter from Freedom Mortgage advising of the foreclosure. I immediately called them. At that time, I was advised they started foreclosure and the only way to stop it was to complete a whole new hardship packet which I did that day and submitted via the email stated above. When I called to verify the packet was received, I was advised that they were actually looking for documentation from my daughter, XXXX XXXX, who lives in my home and is a 100 % contributor. The letter sent to me requesting documents did not state the requested information was needed from my daughter and not me, so I sent my information. As soon as this information was clarified the documents needed from my daughter were emailed. As far as I knew the loan modification is back on track. I have been trying to do the right thing for the past thirteen months. All I want is for this loan modification to be completed so I can afford to make my payment every month. When I first received this loan I was a XXXX for the XXXXXXXX XXXX working overseas in XXXX and XXXX, making XXXX figures. I wanted the loan modification to reduce the payment which went from roughly XXXX XXXX dollars per month to over XXXX XXXX. I had a great interest rate already. What I explained to the rep on the virtual call was that I was looking for a payment closer to my monthly disability check. Since returning home from overseas I was working a job for XXXX dollars an hour. Going from XXXX figures to this was an adjustment, hence the request for modification. A process that I requested to get help has now put me at risk of losing my home. I just cant understand how that can be. I am requesting that you contact Freedom Mortgage to verify that I have had a loan modification in process for the last thirteen months. Once you are able to verify that information, I am requesting that all foreclosure proceedings are stopped or withdrawn as they should have been already. On Saturday, XX/XX/XXXX, I received another letter from Freedom Mortgage stating that if I wanted to stop the foreclosure, I had a list of options to save my home. One of those options was to start a loan modification. On Monday, XXXX XXXX, I received another hardship packet from Freedom Mortgage to be completed. In total I have already submitted two complete hardship packets for my loan. This would be the third. I called Freedom Mortgage both yesterday and today. Today the representative took the time to review everything that had been requested and the documents I had submitted. She was able to verify everything was there as requested on the first hardship packet. She reviewed the second packet I sent on XX/XX/XXXX and found two things that needed correcting but also stated that underwriting has not even reviewed the second packet I submitted as of today. I completed the documents the representative stated were needed for the second packet and scanned an emailed them to loss mitigation by the end of the phone call. Freedom Mortgage currently has everything they required to this point to complete my loan modification.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Freedom Mortgage Company

FL

Servicemember

Consent provided

Web

02/14/23

Closed with explanation

Yes

02/21/23

Mortgage

Reverse mortgage

Applying for a mortgage or refinancing an existing mortgage

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Finance of America Holdings LLC

NJ

Phone

02/21/23

Closed with explanation

Yes

12/21/22

Mortgage

Home equity loan or line of credit (HELOC)

Trouble during payment process

Rushmore Service Center, LLC

NY

Older American, Servicemember

Phone

12/21/22

Untimely response

No

03/03/23

Mortgage

Home equity loan or line of credit (HELOC)

Closing on a mortgage

FIFTH THIRD FINANCIAL CORPORATION

KS

Older American

Phone

03/03/23

Closed with non-monetary relief

Yes

02/01/23

Mortgage

Conventional home mortgage

Trouble during payment process

I have a wells fargo mortgage that was opened in XX/XX/2011. Unfortunately, I am one of the over XXXX XXXX wells fargo customers whose mortgage account and life has been negatively impacted by their constant unjust and unethical business mortgage practices. This CFPB claim is being filed to request my inclusion in the newest {$3.00} XXXX and/or {$200.00} XXXX in refunds to be distributed. This is all due to them harming their customers. Truly, wells fargo thinks that they are an untouchable giant who can not be penalized for their wrong doing. Their endless cruel, abusive, and deceptive business treatment towards their customers is bold, endless, and totally unacceptable. Personally, they have mistreated me in the following manners : 1 ) consistently overcharging me with multiple PITI payments monthly. For example, charging me upwards of XXXX payments versus XXXX payments per year. Then threatening foreclosure if not paid. 2 ) holding my XXXX payments hostage in their " Unapplied Funds '' account. Then claiming that I was 4-5 months behind on payments of mortgage. Then threatening foreclosure. 3 ) unfairly refusing to correct loan modifications, payments paid, ignoring extra payments, etc. 4 ) incorrectly charging me fees, other costs, forcing late fees, demanding duplicate pays, etc. 5 ) refusing to decrease my mortgage balance after extra principal payments paid, etc. 6 ) double charging my escrow homeowners insurance account. 7 ) forcing me into the courts in order to stop their increasingly unfair harassment. 8 ) transferred my account to their sister company without notifying me or their bank. To avoid mortgage balance correction. Plus, to say they did not have my records anymore. 9 ) reported my account PIF ( which it is XXXX ) ; yet, is allowing their sister company to charge me {$70000.00}. Again, an incorrect balance. 10 ) refusing to acknowledge that this mortgage balance is incorrect and they owe me refunds. 11 ) was harassing me to refinance my 15 year mortgage ( half paid off ) to a 40 year mortgage or face foreclosure. Documents available to prove this point. In closing, your assistance is sought on two levels. First, to be added in the newest {$3.00} XXXX wells fargo settlement. Second, to assist me in correction of my mortgage balance service issues. Thank you sincerely.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

FL

Consent provided

Web

02/01/23

Closed with explanation

Yes

02/17/23