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01/05/23 | Mortgage | Conventional home mortgage | Incorrect information on your report | null | null | null | Home Point Financial Corporation | AL | 35,022 | null | null | Web | 02/07/23 | Closed with explanation | Yes | null | 6,403,581 |
02/23/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | JPMORGAN CHASE & CO. | CA | 94,601 | null | null | Web | 02/23/23 | Closed with explanation | Yes | null | 6,601,225 |
02/08/23 | Mortgage | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | Freedom Mortgage Company | TX | 76,549 | Servicemember | null | Web | 02/08/23 | In progress | Yes | null | 6,548,276 |
02/11/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | Rocket Mortgage, LLC | WI | 53,118 | Older American | null | Web | 02/11/23 | Closed with explanation | Yes | null | 6,560,228 |
02/16/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I requested PMI removal from Specialized Loan Servicing on the XXXX of XXXX. SPECIALIZED LOAN SERVICING LLC received and verified the paperwork XX/XX/XXXX. I called XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no success in getting PMI removed.
After filing a complaint with CFPB, PMI was then finally cancelled. In the communication with SLS, provided below, it stated that I would be refunded any excess PMI payments after the request date. I never received any credits or refunds for the excess PMI payments.
From SLS : On XX/XX/2022 we received such authorization, and on XX/XX/2022 we sent a letter advising that we had received sufficient information to review the account for PMI removal. As noted in the XX/XX/2022 letter, after further review of the account we have canceled the PMI coverage for the loan. As noted in the enclosed XX/XX/2022 letter, any overpayment of PMI has been or will be issued directly to you. We regret any inconvenience you may have experienced. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Specialized Loan Servicing Holdings LLC | UT | 84,121 | null | Consent provided | Web | 02/16/23 | Closed with explanation | Yes | null | 6,573,659 |
02/19/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | WELLS FARGO & COMPANY | ID | 83,402 | null | null | Web | 02/19/23 | In progress | Yes | null | 6,590,987 |
01/27/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | NATIONSTAR MORTGAGE LLC | WI | 54,324 | null | null | Web | 01/27/23 | Closed with explanation | Yes | null | 6,489,543 |
01/24/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | On or around XX/XX/2009 Wells Fargo Bank ( Mortgage Bank ), tried foreclosing on my property, my home, after I fell behind on my payments. I had regained employment and tried to do a modification loan, which was repeated denied, even though there was sufficient income. They forced me to file bankruptcy protection to save my home. I sent all documentation to the OCC, who helped force them to refinance my home as a modification loan, not before they added over {$35000.00} to {$40000.00} to my loan, which they said were for hazard insurance at over {$900.00} a month, and legal fees, and passed due interest and penalties, and even a higher interest rate, etc. No one has ever gone after Wells Fargo for these outrageous tactics, but I believe compensation is due! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | TX | 75,070 | null | Consent provided | Web | 01/24/23 | Closed with explanation | Yes | null | 6,473,529 |
02/06/23 | Mortgage | VA mortgage | Closing on a mortgage | null | Wells Fargo sold my mortgage to XXXX XXXX XXXX XXXX in XXXX.
Both mortgage companies reported on my credit reports inaccurate financial information both at the same time hindering my credibility for financial worthiness. XXXX XXXX XXXX XXXX has reported a fraudulent trade line account, also a bankruptcy and multiple inaccuracies under my identification. XXXX XXXX XXXX XXXX has made accusations against my mortgage and property.
XXXX XXXX XXXX XXXX has notified the U.S Bankruptcy court requiring me to be held accountable for the fraudulent transaction and accusations XXXX XXXX XXXX XXXX unjustifiably has reported against me.
I have XXXX been documented in writings from XXXX XXXX XXXX XXXX that my mortgage account XXXX reinstated and considered new.
At the same time XXXX XXXX XXXX XXXX placed foreclosures notice in the XXXX XXXX records reporting the date of XX/XX/XXXX and once again XX/XX/XXXX as active foreclosure proceedings.
I have been mislead and misguided and forced into a bankruptcy that was first reported by XXXX XXXX XXXX XXXX on XX/XX/XXXX, Prior to my knowledge of any bankruptcy or action to file bankruptcy.
I am requesting a full investigation on the matter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | TX | 76,542 | Servicemember | Consent provided | Web | 02/06/23 | Closed with explanation | Yes | null | 6,536,137 |
02/19/23 | Mortgage | FHA 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 | 02/19/23 | Closed with explanation | Yes | null | 6,591,445 |
01/27/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I am a hurricane Ian victim and my loan is currently on a forbearance program ending this month. My interest only loan was on hold with no additional interest or fees. I received my statement on XX/XX/2023. I called multiple representatives and was on hold countless times. The forbearance monthly payment total doesn't add up correctly. There are additional charges added which are not itemized on the statement. Today I spent more than XXXX hours on the phone with multiple SPS servicers XXXX, XXXX and others, who weren't able to adress my question in this regard. The last supervisor XXXX XXXX promised to call me back on Monday with the explanation. Also as a hurricane victim my XXXX hazard insurance was legally binding and active regardless that I missed my last quaterly payment of {$810.00}.
I found out that SPS paid my hazard insurance bill on my behalf without my admission on XX/XX/XXXX and told that they added this charge to my escrow. I sent a request to remove my insurance payments from my escrow as I need to control my financial obligations myself. | Company believes it acted appropriately as authorized by contract or law | SELECT PORTFOLIO SERVICING, INC. | FL | 34,223 | null | Consent provided | Web | 01/27/23 | Closed with explanation | Yes | null | 6,494,890 |
02/10/23 | Mortgage | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | Fairway Independent Mortgage Corporation | AZ | 85,283 | null | null | Web | 02/10/23 | Closed with explanation | Yes | null | 6,550,119 |
02/09/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | My home loan was sold to Freedom Mortgage in XX/XX/2022. According to RESPA a new loan servicer is not allowed to charge late fees for 60 days. My loan has never been paid late, past 30 days since inception. Having said this, Freedom Mortgage has charged me a " late '' fee for XXXX, XXXX & XXXX. It's automatically included in my mortgage payment every month. I do not have the option of not paying it. I have called and sent messages to Freedom Mortgage and they have continued to charge me a late fee when my mortgage payment is not late. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | TX | 78,745 | null | Consent provided | Web | 02/09/23 | Closed with explanation | Yes | null | 6,553,183 |
02/09/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | WELLS FARGO & COMPANY | MT | 59,106 | null | null | Postal mail | 02/09/23 | In progress | Yes | null | 6,553,491 |
03/08/23 | Mortgage | VA mortgage | Struggling to pay mortgage | null | null | null | NATIONSTAR MORTGAGE LLC | PA | 16,648 | Servicemember | null | Web | 03/08/23 | Closed with explanation | Yes | null | 6,658,799 |
02/18/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | WELLS FARGO & COMPANY | LA | 70,403 | null | null | Web | 02/18/23 | In progress | Yes | null | 6,589,379 |
02/13/23 | Mortgage | VA mortgage | Incorrect information on your report | null | null | null | CARRINGTON MORTGAGE SERVICES, LLC | CA | 94,571 | Servicemember | null | Web | 02/13/23 | In progress | Yes | null | 6,566,873 |
02/07/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | NATIONSTAR MORTGAGE LLC | FL | 32,824 | null | null | Web | 02/07/23 | Closed with explanation | Yes | null | 6,541,574 |
02/16/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | TD BANK US HOLDING COMPANY | PA | 19,027 | Older American | null | Postal mail | 02/16/23 | Closed with explanation | Yes | null | 6,580,815 |
02/06/23 | 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 | CA | 92,886 | null | Consent not provided | Web | 02/06/23 | Closed with explanation | Yes | null | 6,535,982 |
03/01/23 | Mortgage | Conventional home mortgage | 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 | Freedom Mortgage Company | NJ | 7,932 | Older American | null | Web | 03/01/23 | Closed with explanation | Yes | null | 6,636,360 |
02/09/23 | 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 | CO | 80,124 | null | null | Referral | 02/16/23 | Closed with explanation | Yes | null | 6,579,924 |
02/09/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | My first mortgage loan is currently being serviced by Shellpoint ( SP ). The account is currently delinquent due to hardships relating to the Covid 19 pandemic. SP is refusing to offer loss mitigation assistance or process a loan modification. The mortgage is a government backed loan ( XXXX XXXX ), so the entire delinquent amount should be moved to the back end of the loan. SP has also refused to apply the Covid 19 payment deferral program. This program calls for recapitalization of all past due payments and deferral of all past due payments until the loan is sold. SP has refused to underwrite for this option, although they were notified many times of the intent. The CARES Act provides a mortgage payment forbearance option for all borrowers who, either directly or indirectly, suffer a financial hardship due to the novel coronavirus ( COVID-19 ) national emergency. a hardship. This relief is available to anyone who has a federally-backed mortgage, regardless of delinquency status. SP is in violation of many CFPB laws relating to loss mitigation and loan modifications, primarily CFPB XXXX. I am seeking assistance on this matter, since I do not want to lose my home. | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | IN | 46,361 | null | Consent provided | Web | 02/09/23 | Closed with explanation | Yes | null | 6,553,114 |
02/06/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Shellpoint mortgage servicing XXXX XXXX XXXX XXXX, SC XXXX XXXX Shellpoint mortgage servicing applied late fees in XXXX of XXXX after sending a confirmation of payment being received on XXXX XXXX that the payment had posted. Confirmation number XXXX. The payment was not fully processed due to shellpoint incorrectly entering my bank information. I confirmed with my bank members XXXX XXXX XXXX XXXX, that it was not my account that caused the issue. Shellpoint never sent an email or any type of communication stating the payment did not clear. I called multiple times and after the third time made payment over the phone with a representative that finally went through on the XXXX of the month. I was also told i could not dispute late charges until the mortgage was brought current. This has been an ongoing problem with shellpoint for three months. I believe they purposely do not notify the mortgagee that a payment did not process in order to charge late fees. I disputed the charge as instructed and received a letter in the mail today dated XX/XX/2023 that my request was denied because I did not make the payment until XX/XX/XXXX. I made three attempts to pay the mortgage before the penalty date of XX/XX/XXXX. Each time I received confirmation that the payment was received. Never did I receive any notice that the payment did not process. I had to personally log into my online mortgage and bank account daily to see if the payment cleared. | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | PA | 17,057 | Servicemember | Consent provided | Web | 02/06/23 | Closed with explanation | Yes | null | 6,535,803 |
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 | Freedom Mortgage Company | TX | 76,179 | Older American | null | Web | 02/20/23 | Closed with explanation | Yes | null | 6,595,460 |
02/17/23 | Mortgage | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | WELLS FARGO & COMPANY | CA | 90,008 | null | null | Web | 02/17/23 | In progress | Yes | null | 6,586,892 |
01/27/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | CrossCountry Mortgage LLC | AZ | 85,226 | null | null | Web | 01/27/23 | Closed with explanation | Yes | null | 6,495,780 |
02/26/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | BANK OF AMERICA, NATIONAL ASSOCIATION | MD | 20,744 | Servicemember | null | Web | 02/26/23 | In progress | Yes | null | 6,619,932 |
03/01/23 | Mortgage | VA mortgage | Closing on a mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | SC | 29,229 | Servicemember | null | Web | 03/01/23 | Closed with explanation | Yes | null | 6,634,507 |
02/22/23 | Mortgage | Reverse mortgage | Trouble during payment process | null | null | null | Peer Advisors, LLC | NY | 11,203 | Older American | Other | Web | 02/22/23 | Closed with explanation | Yes | null | 6,603,267 |
02/03/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I just want to make sure Wells Fargo did not use my name and likeness to open unauthorized accounts under my name or change my mortgage without my knowing. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 90,047 | null | Consent provided | Web | 02/03/23 | Closed with explanation | Yes | null | 6,526,399 |
02/04/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | Wells Fargo bought my mortgage in XXXX and immediately sent me my new payments that were doubled the original. I complained to them and sought help but found no one to help. I was desperate and tried to sell but could not. I knew I was going to loose the house but ended up loosing my house to a scammer that promised to take care of the problem but never did. I was scammed and Wells Fargo seemed to cooperate with the scam and shunned me.
House was in my name until about 4 years ago when I finally found a lawyer to get it out of my name. The only reason why the lawyer could solve the problem was because after all that time, Wells Fargo started refusing to accept payments from the scammers even though they knew for years it was owned by a house buying scam. Why not, easy pickings for a free resale and all they had to do was foreclose on the people in the house who were put there by the XXXX XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | TX | 75,165 | Servicemember | Consent provided | Web | 02/04/23 | Closed with explanation | Yes | null | 6,526,124 |
02/09/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | CARRINGTON MORTGAGE SERVICES, LLC | GA | 30,135 | null | null | Phone | 02/09/23 | In progress | Yes | null | 6,553,666 |
02/18/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | WELLS FARGO & COMPANY | SC | 29,212 | null | null | Web | 02/18/23 | In progress | Yes | null | 6,588,773 |
02/16/23 | Mortgage | Home equity loan or line of credit (HELOC) | Trouble during payment process | null | null | null | PNC Bank N.A. | TX | 78,735 | Older American | null | Web | 02/17/23 | In progress | Yes | null | 6,579,509 |
02/17/23 | Mortgage | Other type of mortgage | Struggling to pay mortgage | null | null | null | WELLS FARGO & COMPANY | MD | 20,866 | Older American | null | Web | 02/17/23 | In progress | Yes | null | 6,585,912 |
02/17/23 | Mortgage | Conventional home mortgage | Credit monitoring or identity theft protection services | null | null | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | GA | 30,315 | null | null | Web | 02/17/23 | Closed with explanation | Yes | null | 6,585,078 |
02/24/23 | Mortgage | Home equity loan or line of credit (HELOC) | Problem with a credit reporting company's investigation into an existing problem | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | NY | 11,776 | null | null | Web | 02/24/23 | Closed with explanation | Yes | null | 6,613,672 |
02/13/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | WELLS FARGO & COMPANY | NY | 11,697 | null | null | Web | 02/13/23 | In progress | Yes | null | 6,567,453 |
02/05/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | In XXXX Wells Fargo XXXX XXXX into becoming default on my mortgage, and then refused to help me, and stole my home.
When I first asked for assistance and proved why I needed it, they told me I would not qualify for a loan modification until I was in active foreclosure.
They suggested that I become default on my loan, and then they could help me. I did what they said, and then they told me they wouldnt help me and I didnt qualify. At that point they informed me that I needed to pay all my back payments along with late fees.
Obviously I could not do that since I was begging for a loan modification in the first place.
These conversations were recorded, and when I asked them to please go back and listen, they told me they wouldnt unless I had the exact date and time of call.
Wells Fargo set me up to steal my house, and at the time I complained, but they continued to lie and the complaint was closed.
Apparently they were recently sued for these very practices that I am speaking of. I would like to see if my situation can be added to the lawsuit as it is very clear now that they were setting people up to fail, and I was one of them. I lost my house and had to file for bankruptcy because if it.
Thank you for this consideration. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | OR | 97,487 | null | Consent provided | Web | 02/05/23 | Closed with explanation | Yes | null | 6,524,777 |
01/30/23 | Mortgage | Reverse mortgage | Trouble during payment process | null | null | null | Ocwen Financial Corporation | IN | 46,307 | null | null | Web | 01/30/23 | Closed with explanation | Yes | null | 6,504,562 |
02/08/23 | 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 | FL | 33,062 | Older American | Consent not provided | Web | 02/08/23 | Closed with explanation | Yes | null | 6,547,203 |
02/13/23 | Mortgage | Other type of mortgage | Trouble during payment process | null | null | Company believes it acted appropriately as authorized by contract or law | Ocwen Financial Corporation | NJ | 7,712 | null | null | Phone | 02/13/23 | Closed with explanation | Yes | null | 6,565,911 |
01/25/23 | 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 | FL | 33,160 | Older American | null | Postal mail | 01/25/23 | Closed with explanation | Yes | null | 6,478,802 |
02/13/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | During COVID ( job loss ) received a forebearance but made payments ( not full amount but whatever I could ) loan amt $ XXXX is interest only adjustable rate. Found out that Servicer automated payment system should not have allowed meto make the random payments but did and all funds were put in an escrow bucket.On XX/XX/ 2022 recd letter stating there was a deficient balance of {$27000.00}. XXXX XXXX, 2022, escrow analysis showing refund due of {$18000.00}. On XXXX XXXX, 2022 I recieived repayment agreement increasing my monthly interest only payments from {$11000.00} to {$2300.00}. XXXX XXXX, 2022, sent a reply requesting a repayment more agreeable to my financial situation as this amount will create a deeper financial hardship. Denied. Was unable to make 2 of these payments ( XXXX and XX/XX/2022 ). Late XX/XX/2022 involved in HIT and Run was hospitalized left me unable to function could not work. Not at my current postion a year denied FMLA. Contacted lender to request help with my payment agreement due to my injuries, advised that the agreement must go into default and then I can request another one but no guarantee and if I do default then COVID protection of foreclosingwill no longer be active. | Company believes it acted appropriately as authorized by contract or law | SELECT PORTFOLIO SERVICING, INC. | CA | 91,356 | null | Consent provided | Web | 02/13/23 | Closed with explanation | Yes | null | 6,567,952 |
02/22/23 | Mortgage | Conventional home mortgage | 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 | LA | 70,582 | null | Consent not provided | Web | 02/22/23 | Closed with explanation | Yes | null | 6,596,752 |
01/26/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | WATERMARK CAPITAL, INC. | CA | 92,336 | null | null | Web | 01/26/23 | Closed with explanation | Yes | null | 6,492,026 |
02/05/23 | Mortgage | Home equity loan or line of credit (HELOC) | Trouble during payment process | null | null | null | TD BANK US HOLDING COMPANY | VA | 20,169 | null | null | Web | 02/05/23 | Closed with explanation | Yes | null | 6,521,961 |
01/21/23 | 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 | TX | 76,247 | null | Consent not provided | Web | 01/21/23 | Closed with explanation | Yes | null | 6,469,131 |
02/01/23 | Mortgage | Other type of mortgage | Trouble during payment process | null | null | null | OCEANFIRST FINANCIAL CORP. | PA | 19,355 | null | null | Web | 02/07/23 | Closed with explanation | Yes | null | 6,519,652 |
02/03/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | WELLS FARGO & COMPANY | IL | 60,047 | null | null | Web | 02/03/23 | In progress | Yes | null | 6,528,000 |
01/25/23 | 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 | BANK OF AMERICA, NATIONAL ASSOCIATION | MD | 21,222 | null | null | Phone | 01/25/23 | Closed with monetary relief | Yes | null | 6,484,525 |
02/15/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I had a Mortgage with Wells Fargo and I tried multiple times to get a loan modification and I was rejected due ti my race. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | IL | 60,707 | Older American | Consent provided | Web | 02/15/23 | Closed with explanation | Yes | null | 6,572,232 |
02/06/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | I did a loan modification and after a long struggle finally got approved just to find out my account was sold to another mortgage company named Shellpoint. I was never notified by XXXX XXXX selling my account to another company. Now I'm being told by this company that my escrow is negative and I need to pay the balance as soon as possible or my payment will increase again. | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | TX | 77,061 | null | Consent provided | Web | 02/06/23 | Closed with explanation | Yes | null | 6,521,328 |
02/08/23 | 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 | WELLS FARGO & COMPANY | NC | 28,806 | null | null | Postal mail | 02/08/23 | Closed with explanation | Yes | null | 6,546,169 |
01/23/23 | Mortgage | FHA 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 | SC | 29,936 | null | Other | Web | 01/23/23 | Closed with explanation | Yes | null | 6,473,501 |
02/08/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | FIFTH THIRD FINANCIAL CORPORATION | NY | 11,361 | null | null | Web | 02/08/23 | In progress | Yes | null | 6,540,352 |
02/02/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | LD Holdings Group, LLC | TX | 77,355 | null | null | Web | 02/02/23 | Closed with explanation | Yes | null | 6,533,157 |
02/09/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | SANTANDER HOLDINGS USA, INC. | PA | 19,015 | null | null | Web | 02/09/23 | In progress | Yes | null | 6,552,399 |
01/12/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company believes it acted appropriately as authorized by contract or law | Idaho Housing And Finance Association | CT | 6,066 | null | null | Web Referral | 02/10/23 | Closed with explanation | Yes | null | 6,435,144 |
02/06/23 | 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 | WELLS FARGO & COMPANY | NY | 10,309 | null | null | Web | 03/06/23 | Closed with explanation | Yes | null | 6,536,161 |
11/09/22 | Mortgage | Home equity loan or line of credit (HELOC) | Trouble during payment process | null | On XX/XX/XXXX XXXX we applied for a home equity line in the branch with XXXX XXXX. While the bank was still BB & T.
On XX/XX/XXXX We had to go back in and resign paperwork for home equity line of credit in the branch with XXXX XXXX. We were we were advised that BB & T was merging to create a new company called Truist Bank. We were told to expect a new online platform and mobile app coming very shortly.
On XX/XX/XXXX we also opened a personal checking account so that we could make payments to the home equity line of credit from there. We also were advised that we could fix our interest rate at any time during this process I just needed to come into the branch and let them know.
We took advances against the XXXX Acct # XXXX on XX/XX/XXXX for {$50000.00} XX/XX/XXXX for {$25000.00} XX/XX/XXXX for {$37000.00} For a grand total of {$110000.00} ever borrowed against this line. No future draws were ever made, just payments from here on out in the amount of {$12000.00}.
On XX/XX/XXXX we visited the Truist branch ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ) to lock in {$100000.00} to be a fixed rate 4.25 % with XXXX XXXX, Relationship Banker, phone XXXX, XXXX. We signed papers and thought everything was good to go.
XX/XX/XXXX We discovered that Truist had two lines of credit being reported to our credit bureaus saying we were carrying a balance of approximately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We visited the branch again with XXXX XXXX, he advised he would open a ticket for us. No response, no fix, no communication.
XX/XX/XXXX We received a refund check from Truist for acct XXXX XXXXXXXX overpayment in the amount of {$960.00}. We visited again with XXXX at the branch, bringing the check with us. We had the manager come over and meet with us ( XXXX manager, didnt get her name ), and she advised us to deposit the refund check into our checking account. She even wrote up the deposit for us.
The check was then bounced back as a stop payment on XX/XX/XXXX ( see attached A ) and we were charged a bounced fee of {$12.00}. ( THIS IS A CAUSE OF A LOT OF THE MISAPPLICATIONS OF PAYMENT, BUT I WILL ADDRESS THAT LATER ). EXHIBIT XXXX XX/XX/XXXX That same visit with XXXX and his manager resulted in an incident number of XXXX. He was going to have them fix the two accounts issue, and credit back any weirdly applied payments resulting from having XXXX accounts, not locking in the fixed amount on XX/XX/XXXX as they should have, and we were assured our problems would all be fixed.
From there it has been a nightmare of applied payments, misapplied payments, crazy interest applications, multiple incident reports opened, etc EXHIBIT XXXX On XX/XX/XXXX, I emailed XXXX regarding our credit report, and asked that Truist cease and desist derogatory credit reporting as it was fraudulent until they could straighten out our account. EXHIBIT XXXX On XX/XX/XXXX, I emailed XXXX, still having problems with application so I sent him a simplified one with showing our payments and estimated interest. No response.
On XX/XX/XXXX, I emailed XXXX to see if he received my email, he responded he had.
On XX/XX/XXXX, I asked if we could go over it, he responded it was best to contact loan department at headquarters directly.
** Email correspondence EXHIBIT XXXX On XX/XX/XXXX I spoke with XXXX regarding applications of payment at your headquarters loan department. She understood everything I was trying to explain to her and said she would apply those accordingly.
On XX/XX/XXXX I got a voicemail ( which I still have on my phone ) from XXXX detailing that her application of payment created a past due account on XXXX and that she was escalating it to case XXXX XXXX XXXX for them to research further because she knows that it was incorrect cause XXXX to go negative.
On XX/XX/XXXX we got a notice from our credit bureau that there was a hard inquiry from Truist bank that we had not authorized on our credit report. EXHIBIT XXXX On XX/XX/XXXX we got a notice from our credit bureaus that our credit score had dropped over XXXX points for a severely delinquent account which turns out to be Truist HELOC XXXX which should have a XXXX balance. We also were removed from access to this account online period by Truist.
On XX/XX/XXXX We immediately contacted Truist regarding both of these issues and were told that the XXXX XXXX XXXX XXXX had never been submitted correctly and that they were opening a second escalation ticket of XXXX XXXX. Also they were going to open a separate computer ticket XXXX to get us access back to our account within XXXX hours.
It is now XX/XX/XXXX and we have no access to our accounts still. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | FL | 33,413 | Servicemember | Consent provided | Web | 11/09/22 | Closed with explanation | Yes | null | 6,185,597 |
02/17/23 | 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 | GA | 30,022 | Older American | null | Web | 02/17/23 | Closed with explanation | Yes | null | 6,585,944 |
02/07/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | I am a XXXX XXXX homeowner, I was working with Shellpoint Mortgage servicing my point of contact on a repayment plan. In late XX/XX/XXXX, I submitted an Application to XXXX XXXX XXXX XXXX early XX/XX/XXXX. Shellpoints mother company filed a foreclosure complaint on XXXX. They put an abandoned/vacant notice on my neighbors home that had my address on it. They sent foreclosure documents to my exhusbands home with my name on them. My ex husband has never been on my loan or title, they sent paperwork to my mothers home in which shes been deceased for over 5 years and I havent live there in over XXXX. They never sent foreclosure paperwork to the home in question my home XXXX XXXX XXXX XXXX Ohio.
On XXXX XXXX I was approved by the Ohio homeowners finance agency for the Rescue funds through the homeowners funding agency. New Rez LLC attorneys have accelerated the fees and have not halted the foreclosure proceedings and keep saying the forward the amount I have in default of {$10000.00} to the Ohio home Finance Agency who has confirmed to me they have not received any Response at all from Shellpoint. | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | OH | 44,128 | null | Consent provided | Web | 02/07/23 | Closed with explanation | Yes | null | 6,542,596 |
02/16/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | Freedom Mortgage Company | NJ | 7,050 | null | null | Web | 02/16/23 | In progress | Yes | null | 6,581,201 |
02/13/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Gitsit Solutions, LLC. | TX | 77,346 | null | null | Web | 02/13/23 | Closed with explanation | Yes | null | 6,566,262 |
01/27/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | NATIONSTAR MORTGAGE LLC | OK | 73,012 | null | null | Web | 01/27/23 | Closed with explanation | Yes | null | 6,494,725 |
02/16/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Ocwen Financial Corporation | NC | 28,602 | null | null | Web | 02/16/23 | Closed with explanation | Yes | null | 6,580,346 |
01/27/23 | Mortgage | VA mortgage | Trouble during payment process | null | null | null | Home Point Financial Corporation | FL | 33,141 | Servicemember | null | Web | 01/27/23 | Closed with explanation | Yes | null | 6,495,732 |
02/09/23 | 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 | Specialized Loan Servicing Holdings LLC | CA | 91,402 | null | null | Phone | 02/09/23 | Closed with explanation | Yes | null | 6,545,574 |
02/10/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | PENNYMAC LOAN SERVICES, LLC. | VA | 23,114 | null | null | Web | 02/10/23 | Closed with explanation | Yes | null | 6,555,806 |
02/08/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | WELLS FARGO & COMPANY | NY | 11,225 | Servicemember | null | Web | 02/08/23 | In progress | Yes | null | 6,547,758 |
02/14/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | This is literally the only way to contact Loancare , LLC, unless you want to spend over an hour on the phone and not have your issue resolved. The company needs to provide a help email or a contact person.
Per my prior complaints, I have returned the {$5300.00} to Loancare, which they mistakenly sent to me. However, my next payment is still {$100.00} higher than my payment prior to my loan being transferred to Loancare. I would like them to conduct another escrow analysis and finally get this corrected. Additionally, a contact name or email would be appreciated. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | LoanCare, LLC | OH | 45,213 | null | Consent provided | Web | 02/14/23 | Closed with explanation | Yes | null | 6,572,869 |
02/17/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Fay Servicing, LLC | NY | 12,590 | null | null | Web | 02/17/23 | Closed with explanation | Yes | null | 6,585,585 |
01/22/23 | Mortgage | FHA mortgage | 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 | IN | 46,410 | Older American | Consent not provided | Web | 01/22/23 | Closed with explanation | Yes | null | 6,471,759 |
02/16/23 | Mortgage | VA mortgage | Trouble during payment process | null | null | Company believes the complaint is the result of a misunderstanding | EMI Equity Mortgage, Inc. | PR | 949 | Older American, Servicemember | null | Web | 02/16/23 | Closed with explanation | Yes | null | 6,580,186 |
02/07/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Ocwen Financial Corporation | WI | 53,176 | null | Other | Web | 02/07/23 | Closed with explanation | Yes | null | 6,542,694 |
02/14/23 | Mortgage | Other type of mortgage | Closing on a mortgage | null | null | null | MORTGAGE SOLUTIONS OF COLORADO | MI | 49,093 | null | null | Web | 02/14/23 | Closed with explanation | Yes | null | 6,564,275 |
02/09/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | SELECT PORTFOLIO SERVICING, INC. | PA | 19,073 | null | null | Web | 02/09/23 | In progress | Yes | null | 6,545,702 |
01/20/23 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | null | null | CARRINGTON MORTGAGE SERVICES, LLC | NJ | 7,050 | null | null | Phone | 01/20/23 | Closed with explanation | Yes | null | 6,464,937 |
01/30/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | WELLS FARGO & COMPANY | LA | 70,601 | Servicemember | null | Referral | 02/09/23 | In progress | Yes | null | 6,545,532 |
01/23/23 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | In XXXX, XXXX, I received an approval letter that stated my mortgage refinancing plan was approved.The next month Wells Fargo foreclosed on my house. After years of battling with them in the county courts, they completed the foreclosure in XXXX and I was forced to move. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | OH | 44,109 | Older American | Consent provided | Web | 01/23/23 | Closed with explanation | Yes | null | 6,475,274 |
03/02/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | LAND HOME FINANCIAL SERVICES | IL | 60,411 | null | null | Web | 03/02/23 | In progress | Yes | null | 6,641,032 |
02/14/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Rocket Mortgage, LLC | WA | 98,117 | null | null | Web | 02/14/23 | In progress | Yes | null | 6,570,517 |
02/08/23 | 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 | CA | 92,530 | Servicemember | Consent not provided | Web | 02/08/23 | Closed with explanation | Yes | null | 6,547,374 |
02/08/23 | Mortgage | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | WELLS FARGO & COMPANY | PA | 17,011 | null | null | Web | 02/08/23 | In progress | Yes | null | 6,547,007 |
01/24/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | I wanted to sell the house because I became injured at work and started falling behind on payments. Wells Fargo refused to allow me to initiate a sell because my husband had an IRS lien even though the mortgage was in my name only. My husbands name was placed on the deed after the house was purchased. I had XXXX XXXX in XXXX and was forced to retire so I fell behind on payment eventually foreclosing on the house in XXXX and I am still unable to get any type of mortgage for at least two more years | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | AL | 35,660 | null | Consent provided | Web | 01/25/23 | Closed with explanation | Yes | null | 6,481,695 |
01/03/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | I was a customer with Wells Fargo from XXXX until XXXX over this period we were denied refinance request over and over. These continual refinance request denials during a period of hardship were difficult. The request denials for help because of loss of income during the market explosion forced us ultimately into bankruptcy, to protect us from foreclosure actions that was initiated by Wells Fargo in XXXX. I would like to formally request information how settlement qualifications are being considered. And if I fit the criteria to apply. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | IL | 60,154 | Older American | Consent provided | Web | 01/03/23 | Closed with explanation | Yes | null | 6,390,465 |
01/21/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | I was unable to modify my adjustable rate mortgage with Wells Fargo back in XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | TX | 76,123 | null | Consent provided | Web | 01/21/23 | Closed with explanation | Yes | null | 6,462,831 |
01/19/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | I tried to refinance my mortgage with Wells Fargo early 2021 when mortgage rates were very low. I submitted all documentation that was asked of me, and over 3 months Wells Fargo Mortgage people strung me along and eventually said they would not allow me to refinance. I had no reasonable explanation as to why my remortgage would not go through. I believe this was done so they could continue to collect far more money at my initial interest rate than what they would have collected at the much lower rate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | FL | 32,583 | null | Consent provided | Web | 01/19/23 | Closed with explanation | Yes | null | 6,460,066 |
01/20/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | I had the opportunity to payback arrears in full and the next day was the deadline. I forgot who I talked to but they told me even though I pay arrears back. They can't guarantee that my house will go into foreclosure. So I had to file for XXXX XXXX bankruptcy and I eventually sold my house to a cash buyer. This process took place through XXXX XX/XX/2019. Please advise XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 94,518 | null | Consent provided | Web | 01/20/23 | Closed with explanation | Yes | null | 6,464,667 |
01/25/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | NATIONSTAR MORTGAGE LLC | NY | 13,905 | null | null | Web | 02/21/23 | Closed with explanation | Yes | null | 6,488,808 |
12/31/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | In XX/XX/2016, the amount was XXXX. I was behind with my payments of my mortgage, I explained them that I had a hardship and they offered a modification they said that with this program I can paid monthly my mortgage without any issues. I qualified because I summited all the requirements that they asked me and later, the mortgage transferred my mortgage to other company. I paid XXXX XXXX XXXXXXXX, for get solved this issue but the XXXX XXXX didnt fix it. I was asking to other legal advisers and said it was a fraud. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 95,961 | null | Consent provided | Web | 12/31/22 | Closed with explanation | Yes | null | 6,383,265 |
02/21/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Ocwen Financial Corporation | NJ | 8,003 | null | null | Web | 02/21/23 | Closed with non-monetary relief | Yes | null | 6,599,703 |
01/30/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Fay Servicing, LLC | CA | 92,071 | Servicemember | null | Web | 01/30/23 | Closed with explanation | Yes | null | 6,506,082 |
01/25/23 | 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 | TX | 76,082 | null | Consent not provided | Web | 01/25/23 | Closed with explanation | Yes | null | 6,477,902 |
01/31/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | BSI Financial Holdings, Inc. | FL | 33,334 | null | null | Web | 01/31/23 | Closed with explanation | Yes | null | 6,510,318 |
01/21/23 | 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 | AZ | 85,054 | null | Consent not provided | Web | 01/21/23 | Closed with explanation | Yes | null | 6,462,909 |
01/20/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | In the recession of XXXX and its subsequent fallout our property was targeted for foreclosure after Wells Fargo refused to help us avoid foreclosure. We never missed a payment and were told multiple times that there was nothing to be done to assist us in avoiding this disaster. We lost our home in XXXX of XXXX. We were offered XXXX consolation in resolving this problem of their inability to restructure our mortgage. I had multiple contacts with Wells Fargo which led to nothing. Please help us. We had been excellent customers.
Thanks XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 90,278 | Older American | Consent provided | Web | 01/20/23 | Closed with explanation | Yes | null | 6,465,367 |
01/20/23 | 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 | WELLS FARGO & COMPANY | NY | 12,206 | Older American | Consent not provided | Web | 01/20/23 | Closed with explanation | Yes | null | 6,464,117 |