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02/07/23 | 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 | MA | 1,844 | null | Consent not provided | Web | 02/07/23 | Closed with explanation | Yes | null | 6,543,093 |
01/20/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | I had a mortgage with wells Fargo but they foreclosed.. they wouldn't help me modify my with my mortgage.to save my home... .i wan na make sure they don't owe me money in damages... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 92,551 | null | Consent provided | Web | 01/20/23 | Closed with explanation | Yes | null | 6,463,178 |
01/23/23 | Mortgage | Conventional home mortgage | Improper use of your report | null | null | null | KEYCORP | CO | 80,016 | null | null | Web | 01/23/23 | In progress | Yes | null | 6,476,095 |
11/21/22 | Mortgage | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 95,222 | null | null | Referral | 11/22/22 | Closed with explanation | Yes | null | 6,228,358 |
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 | IN | 47,303 | null | Consent not provided | Web | 01/20/23 | Closed with explanation | Yes | null | 6,464,665 |
01/05/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | BANK OF NEW YORK MELLON CORPORATION, THE | KY | 40,219 | null | null | Referral | 01/24/23 | Closed with explanation | Yes | null | 6,403,284 |
01/24/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Hello. I was paying 1st mortgage because Wells Fargo advised me to do so. But second mortgage I couldnt make. I was bated into believing all the letters they sent me. Pay firsts and house will be ok. But after 5 month. Wells Fargo sold my home that I have owned since XXXX to a private investor. I was forced to vacate my home. Wells Fargo lied to me. I have documents stating home will be ok. But obviously it was not. Thank u for ur time. Plz help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | AZ | 85,249 | Older American | Consent provided | Web | 01/24/23 | Closed with explanation | Yes | null | 6,479,855 |
01/30/23 | 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 | MD | 21,043 | null | Consent not provided | Web | 01/30/23 | Closed with explanation | Yes | null | 6,504,617 |
01/05/23 | Mortgage | Home equity loan or line of credit (HELOC) | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BETHPAGE FEDERAL CREDIT UNION | CA | 93,063 | null | null | Referral | 01/30/23 | Closed with explanation | Yes | null | 6,408,347 |
01/27/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | In XX/XX/XXXX I lost my job and was struggling finding a new job. I finally found a job in XXXX but at that point I was already 2 months late. When I finally had enough to make the payment I wasnt able to pay any less than {$4500.00} or 3 months of payments. I applied for a government assistance grant through XXXX XXXXXXXX in XXXX, but the program wouldnt pay anything if I made any kind of payments. Finally by the middle of XXXX they made the payment and I wasnt delinquent anymore. Im just asking for removal of the credit marks from that time so I can buy a new car soon. | Company believes it acted appropriately as authorized by contract or law | South Carolina State Housing Finance and Development Authority | SC | 29,680 | Servicemember | Consent provided | Web | 01/27/23 | Closed with explanation | Yes | null | 6,495,014 |
01/23/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | I have two issues. Inherited my home from my Mom in XXXX when she passed. Soon after the death I became gravely ill and the house was mold infested. XXXX XXXX hit and I was effected.severly by it'.My inherited home currently in foreclosure and Wells Fargo says it no longer can help me.. I want to keep my home. I am XXXX.
The second issue I had is regarding my father I. Which I am executor of the estate of both my parents. XXXX around XXXX, XXXX Wells Fargo repossessed my father car after theXXXX dealership swindled him out of his XXXX XXXX XXXX that had only XXXX original miles on it... Then repossessed his car claiming he was too old. All while Wells Fargo knew he had a savings account at Wells Fargo with nearly XXXX XXXX dollars in. It.. wit regular banking habits | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | SC | 29,505 | null | Consent provided | Web | 01/23/23 | Closed with explanation | Yes | null | 6,477,525 |
01/27/23 | Mortgage | VA mortgage | Trouble during payment process | null | null | Company believes it acted appropriately as authorized by contract or law | Village Capital & Investment LLC | VA | 24,018 | Servicemember | Consent not provided | Web | 01/27/23 | Closed with explanation | Yes | null | 6,497,172 |
01/09/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | PENNYMAC LOAN SERVICES, LLC. | NJ | 8,609 | null | null | Web | 01/27/23 | Closed with explanation | Yes | null | 6,417,853 |
01/24/23 | 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 | NC | 27,406 | Servicemember | Consent not provided | Web | 01/24/23 | Closed with explanation | Yes | null | 6,479,670 |
01/19/23 | Mortgage | FHA mortgage | Trouble during payment process | null | My loan that was originally with XXXX XXXX was under {$1200.00}, when Wells fargo took over it, it went up to {$1300.00}. I called Wells Fargo many times and they would say it's because of taxes or escrow. I eventually tried to do a modification in order to offset the increase in payment, but had to take advantage of the pandemic payment pause instead. I can only guess that Wells Fargo took over the processing about XXXX, before house was sold. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | GA | 30,288 | null | Consent provided | Web | 01/19/23 | Closed with explanation | Yes | null | 6,457,096 |
01/10/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | PNC Bank N.A. | IA | 50,313 | Older American | null | Web | 01/10/23 | Closed with explanation | Yes | null | 6,422,594 |
12/02/22 | Mortgage | Other type of mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | FL | 32,780 | null | Consent not provided | Web | 12/02/22 | Closed with explanation | Yes | null | 6,265,561 |
01/02/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | the Homeowners Assistance Fund : Its purpose : to mitigate financial hardships associated with the Coronavirus Pandemic by providing XXXX XXXX dollars, in part, for the purpose of preventing homeowner mortgage delinquencies and ultimately, as in my case, avoiding foreclosure. I researched the American Rescue Plan Act and I have read the Overview of Treasury Guidance, it states that HAF funds may be used to assist homeowners who are at risk of foreclosure and / or displacement. I read the NYS HAF program proposal to the Treasury from Homes and Community Renewal ( HCR ) in which stated funds can be used for Mortgage Reinstatement / Principal Reduction Program or the Arrears satisfaction Program. I continued to read the proposal from XXXX to the treasury. After reading XXXX proposal to the Treasury, I felt I met all the eligibility criteria needed that the XXXX wrote in their proposal to the Treasury. The Homeowners Assistance Fund was approved by the Treasury and the program was set into place and ready to launch. I followed Governor XXXX XXXX updates before the announcement that the portal to apply would be opening in XX/XX/XXXX. The portal opened on XX/XX/XXXX. I submitted my application on opening day at XXXX.
On XX/XX/XXXX, 11 months after my application was submitted, I was advised that I was ineligible for assistance from the program. My hopes shattered and I fell apart.
Nearly every other week, if not every week over the past 11 months, I called to check the status of my application and to see if anything was needed and most of the time I was told the file was being worked on and that the case manager was in talks with the bank. I was never given any information or details on how the program was in talks with the bank and I was not advised on or included in any talks. A few times I was told to send in updated statements. I sent in whatever was required.
On XX/XX/XXXX, I received a message from a case manager, through the HAF portal, stating that based on the program 's review, I meet the basic eligibility requirements for the program and that I was conditionally approved.
On XX/XX/XXXX I received a second message through the HAF Portal.It was a copy of a letter that was sent to Wells Fargo. The letter was titled : New York State Homeowner Assistance Fund Notice To Servicer of HAF Application. The letter served notice that I was deemed Eligible by the program and will be reviewed for loss mitigation.
When I spoke with a housing counselor, I asked how the mitigation process works and how the funds would be applied in conjunction with the FHA Covid-19 Recovery Modification, considering now I was deemed eligible to receive an award. I could not get any clarification and was told that the file was with the Attorney General 's Office who was confirming the total amount owed.
I called the Program to ask to speak to the person who is mitigating and negotiating directly with the bank, because I feel I should be included in the process and advised of how the loan was being mitigated and how the funds were being applied /supplemented in conjunction with the modification. I was told that there was no one I could directly speak to and I can only speak to case managers/ whoever answered my phone call at the time.
I don't believe I was ever reviewed for loss mitigation and the funds were never even factored into a loss mitigation option particularly FHAs Covid-19 recovery modification and the file was never even negotiated with the bank because if this was the case then a modification would have been worked up to include the {$95000.00} coming to the result of an affordable monthly payment. Reason I feel this way is that Wells Fargo had sent me modification offers over the past year that did not apply the formula from FHAs mortgagee letter XXXX and instead they sent me their streamlined version of a modification. If these offers had been done in accordance to the rules for FHAs Covid-19 Recovery Modification and had applied the award amount from the program, I am certain that I would be offered an affordable monthly payment and therefore avoid foreclosure.
Since the forbearance period ended, Wells Fargo had been sending me proposals for modifications. I called HAF to explain this and asked if I should accept one of the several modification packets, even though I couldn't afford the offered payment. The case managers didn't know what to say and could not give any guidance. I did not know how to proceed, nor on whether if I accepted one of the modifications, would it affect me being granted an award with HAF. Since I could not afford the offered payment from Wells Fargo without supplementing it with the assistance from the program, I did not accept any offers.
I was then advised by a case manager that wells Fargo told HAF i failed to make payments for a trial payment plan ( not sure which XXXX they are talking about because there were a few mods offered ) on a modification, and this is also where there is discrepancy and confusion because any modifications that were offered were not signed and therefore no trial payments were even supposed to be made. I found out all these concerning discrepancies, only after I had been denied assistance and having to call multiple times in a couple of days to get some sort of clarification and understanding as to why I am being denied. So now here I am with several different explanations that are not even applicable or valid to issue me a denial.
I had discussed with case managers that if the program advised the bank to apply FHAs Covid-19 Recovery Modification ( and review the modification to make sure it was applied correctly ) in conjunction with the award of {$95000.00}, that I would achieve an affordable payment. My understanding is that one of the purposes of the HAF program is to supplement a loan modification with the funds to achieve an affordable monthly mortgage payment. In my case ; the full award amount would be used together with the XXXX Recovery Modification waterfall, to reach the targeted monthly payment. FHAs Mortgage Letter XXXX : update to the loss mitigation options ; dated XX/XX/XXXX states specific directive on how to apply the covid recovery XXXX. Under directive by FHA, HUD, the Treasury of The Office of Inspector General, The Consumer Financial Protection Bureau, Department of Financial Services and the Attorney General 's Office, banks are to apply this modification and if needed to avoid foreclosure, to use this modification in conjunction with the HAF Fund to achieve an affordable monthly mortgage payment and avoid foreclosure.
The denial email states that to receive mortgage reinstatement assistance, the homeowner must have a delinquent mortgage that may be brought current without exceeding the maximum award amount of {$95000.00}.
The bank had not applied the XXXX Recovery Loss Mitigation Option as outlined in detail by XXXX mortgage letter to be applied to the loan. If the bank and the HAF program had worked together and applied the Covid-19 Recovery Modification supplementing it with the {$95000.00} assistance, I would be given an affordable monthly mortgage payment.
When I spoke to another case manager I was told the reason that I was ineligible was because the loan exceeds {$200000.00} in arrears. However, I respectfully disagree with this decision because when I submitted my application on XX/XX/XXXX, I was under {$200000.00} in arrears. Additionally, I continuously throughout the program remained under {$200000.00} in arrears up until XXXX, XXXX. I have attached statements dated XX/XX/XXXX and XX/XX/XXXX showing my arrears to be under {$200000.00} for when I submitted my application to the program on XX/XX/XXXX as well as my XXXX statement showing I continuously remained under {$200000.00} in arrears up until XXXX, XXXX. According to the HAF policy manual, nowhere does it state any specific rules that if the arrears goes over {$200000.00} one month before a decision is made, that the applicant is ineligible for an award.
My application status on HAFs website states : Ineligible - No reasonable home retention offer.
I disagree with this conclusion because as previously stated if HAF and the bank had followed the Covid-19 Recovery modification - ( Please see FHAs attached mortgage letter ) in conjunction with the {$95000.00}, there would be a reasonable home retention offer.
I called again to express my concern and to try to get more understanding of how the ineligibility was decided. I was advised by another case manager ( 3rd different one ) that the reason for the denial was that I failed to make trial payments under the modification Wells Fargo had offered me. Which modification are they talking about and why would this even matter as FHA specifically states NO Trial Payment plan ( TPP ) is required under the COVID-19 Recovery modification, therefore proving that Wells Fargo had not followed FHA directive and also the Attorney General 's Office department representing HAF and its applicants did not oversee Wells fargo 's intentional misconduct therefore causing me to be ineligible for assistance. How is this possible?
Another discrepancy that I was told by a case manager is that the bank advised HAF that they had applied the funds to the modification that they offered me. This is untrue and completely false, as I have received several modifications from the bank starting in XXXX and not one of those modifications had any mention of HAF funds being applied to the modification. The Mods break down the specifics and this was not the case. ( I have attached the mods ). The bank would have clearly written in the modification packet that the funds were applied if this was true. Also, the bank would not just apply {$95000.00} to a modification, if the funds werent available in their account and sent to them first. ( i have attached a few of the modifications that were sent to me showing that I could be granted an affordable monthly payment and a reasonable retention offer if the funds were applied to the correct way to the COVID-19 Recovery modification ) A case manager said the bank applied the funds to the modification ( which is not true ) But then later on in the call he stated they would be applied if I accepted a modification. I proceeded to tell him that I could not afford the proposed modification from the bank and that I didn't accept the modification. The reason being was because in the fine print at the end of the modification offer, if I was to accept it, I forgo any future assistance from them or any other source. I called HAF several times at the time the modification was offered explaining my confusion and concern and I was not given any instruction on how to proceed. I did not know what to do at the time. I have been sent several modifications from Wells Fargo and have had no help whatsoever in regards to how to proceed.
In addition to all of the previous matters that I mentioned, the bank did not follow FHAs Covid-19 Recovery Modification Waterfall as advised and directed to follow. The program did not direct the bank and did oversee to make sure the bank used the {$95000.00} assistance and applied it to the recovery modification, therefore making me ineligible for assistance.
There are discrepancies along the communication lines and I am being advised different reasons why I am ineligible to receive funds that the government has specifically stated to be used in cases like mine. I have shown that I am eligible to receive this assistance. It is unfair that I am being denied this when the government intended the funds be used in cases like my own. I have the dire need and I am XXXX. In a time like this I am desperately relying on and need this help. this assistance is detrimental to me having to keep my home. I express each time I call that I have been in court since XXXX and that the Judge is moving quickly and I am about to be foreclosed on. I have to return to court in XXXX, to tell the Judge I was denied and filed an appeal to the program, which I received notice that it was denied XX/XX/XXXX and the reason states " We are unable to bring your account current. To be eligible for assistance with your delinquent payments, NYS HAF must be able to bring your account current without exceeding the maximum award of {$95000.00}. Unfortunately, we can not bring your account current without exceeding the maximum award amount. '' The appeal is due today, I will submit it this very last day because I have been in the hospital since XXXX morning up until XX/XX/XXXX. I was so very ill a week before being rushed to the hospital by ambulance. I did not have the functioning capacity to check my email from the program, and with only 10 days to submit an appeal after the date they send the denial email, leaves me struggling to appeal. I turn to you for help in assisting me in achieving answers and a resolution to this matter. I appreciate your assistance.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NY | 11,755 | null | Consent provided | Web | 01/02/23 | Closed with explanation | Yes | null | 6,385,491 |
02/01/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | Rocket Mortgage, LLC | TN | 37,221 | null | null | Web | 02/02/23 | Closed with explanation | Yes | null | 6,515,722 |
12/05/22 | Mortgage | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | null | I have a HELOC with Citizens Bank. XX/XX/XXXX, my husband ( co-borrower ) got covid at work and has severe complications as a result. He has not been able to work since. He has filed for permanent XXXX because of his inability to return to physical work. Our primary mortgage was put into a forbearance program, but I was able to maintain the payments on the Citizens loan until XX/XX/XXXX. I could no longer do it so I reached out to the bank. The pre-recorded message when you call Citizens states that if you are having difficulty making payments due to covid, arrangements can be made and late payments will not be reported. ( The same was done for us with the main mortgage so I was aware of the process ) I called on XX/XX/XXXX asking for covid hardship assistance. At that time, my loan payment had not been at the 30 day late point so there was no threat to negative reporting on my credit. I was told a packet would be sent to me. When I did not receive it, I called again on XX/XX/XXXX. The hardship packet was not received in the mail until XX/XX/XXXX. I called the bank on XX/XX/XXXX expressing my concern that now the payment would reflect as past due and it would affect our credit score. I spoke to their consumer finance department and filed a dispute with the credit reporting agencies. I completed the hardship packet and mailed it back to them on XX/XX/XXXX.
On XX/XX/XXXX, I called the phone number included in the packet trying to get information concerning the status of my hardship. I was continuously told that the number I was calling was not correct, despite it being the number included in the packet. I was transferred for over 2 hours to various departments and given several numbers but no one could tell me about my loan. I was getting calls from collections department however letting me know that my account was past due, but they could not tell me the status of my covid hardship packet. I thought the program was supposed to protect consumers like me??
I received a letter dated XX/XX/XXXX ( which was not mailed until XX/XX/XXXX ) stating they received my packet and would have to verify it was complete, but never mentioned anything about stopping the negative reporting to the credit agency. I called again the number in the letter and was told i was not in the right department. I gave my loan number and was told they could not help me. I was transferred and transferred with no answers. I received another letter dated XX/XX/XXXX, which was mailed on XX/XX/XXXX, telling me I needed to sign off on a list of authorizations. The same telephone number was listed. I spent all morning on XX/XX/XXXX calling but I got the collections department. Noone at citizens bank will give me any answers.
An email address was included in the letter on XX/XX/XXXX - XXXX so I sent an email on XX/XX/XXXX requesting an update - I still have not heard anything.
I filed disputes with each of the credit agencies. Citizens Bank has done nothing to stop the negative reporting on my HELOC despite my calling on XX/XX/XXXX to request covid hardship assistance. I had to call back again on XX/XX/XXXX because I did not receive any packet in the mail. When I called on XX/XX/XXXX I asked if I could apply over the phone for help because I knew how important it was not to have any negative reporting about mortgage payments- I was told NO.
I continue to try to get information about my loan and how to put it into a forbearance while I can sort out my family 's financial hardship. My husband has a hearing in XXXX concerning his permanent XXXX. He is only XXXX XXXX XXXX and covid literally damaged his XXXX and XXXX to the point of being unable to work. We are doing our best to make our finances strech. I was able to maintain payments from the time he got sick in XX/XX/XXXX until XX/XX/XXXX but when I reached out to Citizens, they literally put the financial well being of my family in serious jeopardy.
as a result, citizens reported the late payments, despite my asking for assistance prior to the late, and despite the pre-recorded message on their call lines. in doing so, me and my husband have delinquincies listed on our credit report. our credit cards and lines of credit have been affected and credit cards that we had significant lines of credit with have just been cut. Citizens Bank is responsible for that. The credit reporing needs to be corrected and only citizens bank can do that.
My husband and I have been long standing customers of Citizens and have made each payment on time. To be treated like this in a time of financial need is just devastating. the impact to my family and the damage its done to the ability to meet our financial needs is great. We need help and citizens bank is just unreachable. | null | CITIZENS FINANCIAL GROUP, INC. | NY | 10,541 | null | Consent provided | Web | 12/05/22 | Closed with explanation | Yes | null | 6,283,222 |
11/20/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company believes complaint represents an opportunity for improvement to better serve consumers | AMERISAVE MORTGAGE CORPORATION | TX | 76,063 | null | Consent not provided | Web | 11/20/22 | Closed with explanation | Yes | null | 6,225,073 |
01/22/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | XXXX XXXX and Shell Point using predatory lending practices. Foreclosed on my house in Florida twice 9 years apart never took the house out of my name off the house or mortgage messed up my credit score and forced me into bankruptcy. | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | TX | 78,642 | null | Consent provided | Web | 01/23/23 | Closed with explanation | Yes | null | 6,471,039 |
01/25/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | Company believes it acted appropriately as authorized by contract or law | NATIONSTAR MORTGAGE LLC | IA | 50,266 | null | Consent not provided | Web | 01/25/23 | Closed with explanation | Yes | null | 6,483,844 |
02/03/23 | 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 | M&T BANK CORPORATION | NY | 14,240 | null | Consent not provided | Web | 02/03/23 | Closed with explanation | Yes | null | 6,528,591 |
01/20/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 95,120 | null | Consent not provided | Web | 01/20/23 | Closed with explanation | Yes | null | 6,463,185 |
01/03/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Ocwen Financial Corporation | CA | 92,532 | null | Consent not provided | Web | 01/03/23 | Closed with explanation | Yes | null | 6,391,719 |
11/21/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | HAF funds not being applied to account. Missing 2 months worth of payments. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Flagstar Bank, N.A. | FL | 32,514 | Servicemember | Consent provided | Web | 11/21/22 | Closed with explanation | Yes | null | 6,230,308 |
01/05/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | RUSHMORE LOAN MANAGEMENT SERVICES LLC | NM | 87,109 | null | Consent not provided | Web | 01/05/23 | Closed with explanation | Yes | null | 6,401,618 |
02/04/23 | 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 | MN | 55,345 | null | Consent not provided | Web | 02/04/23 | Closed with explanation | Yes | null | 6,525,274 |
01/17/23 | 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 | 76,051 | null | null | Phone | 01/17/23 | Closed with non-monetary relief | Yes | null | 6,448,435 |
01/04/23 | 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 | LoanCare, LLC | VA | 22,554 | Servicemember | Consent not provided | Web | 01/04/23 | Closed with explanation | Yes | null | 6,399,134 |
01/07/23 | Mortgage | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | We were selling our home in XXXX and moving to the XXXX, XXXX XXXX in XX/XX/2022. My credit is low, but I am working on it. We told New American funding this when we applied for a loan before starting to look at homes in the XXXX area. They provided a pre-approval and approved us to begin looking for and offering on homes.
We also had a mortgage forbearance going on our previous mortgage that we stopped in XXXX with plans for the first payment to begin XX/XX/XXXX of XXXX. I provided account statements along with all of the other information they asked for at New American Funding. We sold the home in Arkansas on XX/XX/XXXX of XXXX and repaid the forbearance plan along with the entire mortgage amount. We planned to use the proceeds we had left over to put a down payment on the new mortgage.
With New American Funding approving us, we placed an offer on a home and began a contract with a seller on our negotiated price. We had sent our XXXX XXXX and Option Fee, an inspection performed, and had an appraisal completed. During the inspection, the roof needed to be replaced. Not only did the selling agent ask, but our realtor confirmed with the loan officer that we had no issues standing in the way of closing before proceeding with the roof repair. The loan officer said we were good to go and confirmed we could proceed with the roof repair, and we agreed to pay a portion of the repairs at closing. Through the entire contract, I asked multiple times if we needed any documents or information submitted to make sure we always had things turned in within a timely manner. We were always told that we had everything and they were just having to go through steps to get things processed.
We stayed with family for a little while before leaving Arkansas since closing was set on XX/XX/XXXX for the house we were buying and closing on the house we sold was on XX/XX/XXXX. On XX/XX/XXXX we let New American Funding know we were leaving Arkansas and asked if we were still on track to close on the XXXX. They told us there were some delays but should be able to get it done before closing. On XX/XX/XXXX they said we would have to postpone because of the delays and wouldnt be able to close on the XXXX. Finally on XX/XX/XXXX after only being told there were delays they told us they would have to decline the loan because we had the forbearance on the previous loan without having XXXX consecutive payments post forbearance. We have documents proving the statement of satisfaction and a letter showing we satisfied the forbearance repayment even though we used proceeds to cover the forbearance and remaining loan. However, we were unable to close the loan and we have been left scrambling in a new city to find a place to live. New American funding has refunded the appraisal and stated they would repay the inspection. They have stated that they would not pay our XXXX XXXX and Option stating because it is an agreement between buyer and seller. However, they approved us to go down the path of buying, and they did not deny the loan within the contract period. I feel they should be responsible for the XXXX money and Option fee as well since they failed to complete the process within the contract period.
We have been working with an attorney, but I dont know how to put a dollar amount to the mental and emotional stress they have caused by approving us and then denying us once we have already moved. I could have handled being denied upfront, but what they did is wrong in more than XXXX way. My kids have had to spend XXXX in a hotel. | Company believes it acted appropriately as authorized by contract or law | BROKER SOLUTIONS, INC. | TX | 77,380 | null | Consent provided | Web | 01/07/23 | Closed with explanation | Yes | null | 6,409,011 |
11/08/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Fifth Third Mortgage Acct Number : XXXX for property sold at XXXX XXXX XXXX XXXX, XXXX, GA XXXX.
I have contacted 53rd bank several times in an attempt to have my {$800.00} overpayment of escrow refunded to me, but the bank has refused. I sold my property in XX/XX/2022 and the amount in escrow for tax was to be refunded to me. It states this in my closing documents. The company tells me they issued ( and reissued ) the check, but I have not received it. This has been going on now for 3 months. Each call to their office takes hours to complete because their hold queue/customer service is not properly staffed. The escrow overpayment amount was on the website in my account history, but the company has revoked my access to my account history since the mortgage has been paid off. I no longer have access to my statements or anything. I want a copy of my escrow statement which they have not provided and I want a refund of the escrow overpayment. | null | FIFTH THIRD FINANCIAL CORPORATION | GA | 30,311 | Servicemember | Consent provided | Web | 11/08/22 | Closed with explanation | Yes | null | 6,180,232 |
12/06/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Borrower has mortgage with Wells Fargo. During pandemic was off work due to Covid. Tried to apply for Federal Program to move mortgage payments missed to end of the loan.
Original mortgage was under XXXX married name. When applied for help, the borrower 's name had change ( XXXX divorce was done, got married again. ) Wells had the original name still on the loan, so rejected the paperwork.
A second divorce was pending so name again was an issue. Wells is now up to date with the second married name on the loan but will not accept paperwork.
Calls bring no resolution. There are calls, emails, letters from Wells, etc. The amounts of monthly payments are different depending on what document you look at. Escrow account appears inflated. Payments made by app are being applied, then reversed but don't know where these are.
Mortgage payment was around {$650.00} per month. Their app says {$650.00} due each month, but documents say over {$900.00} is due each month. One document from Wells shows over {$20000.00} due now.
It is exceptionally confusing and overwhelming to say the least.
We have numerous documents in print, some in email if you need them. There is a borrower and a co borrower on this loan and it looks like Wells may try to foreclose XX/XX/22 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NY | 14,304 | Older American | Consent provided | Web | 12/06/22 | Closed with explanation | Yes | null | 6,288,848 |
01/18/23 | 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 | TX | 76,179 | Servicemember | Consent not provided | Web | 01/18/23 | Closed with explanation | Yes | null | 6,453,381 |
01/27/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | FULTON FINANCIAL CORPORATION | VA | 23,696 | null | null | Web | 01/28/23 | In progress | Yes | null | 6,494,593 |
01/07/23 | 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 | CA | 93,101 | null | null | Referral | 01/09/23 | Closed with explanation | Yes | null | 6,415,319 |
01/18/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | I received a Covid modification due to being affected by Covid. At the time of the modification, I complained to XXXX XXXX that I was not supposed to be charged back interest or for the payments that Shellpoint made on my behalf from escrow. Shellpoint refused to make the changes to the modification and XXXX XXXX said that I had to work it out with the lender.
In the 1098, Shellpoint shows the principal balance on my loan is {$65000.00}. It shows interest paid is {$8200.00}.
However to me, Shellpoints statement interest of {$10000.00} on my statement dated XX/XX/2022. It shows the principal is {$75000.00}. This means that Shellpoint is not being honest with either me or the IRS. The overpayment in interest for the year means that I should get a refund from Shellpoint. | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | TX | 78,664 | null | Consent provided | Web | 01/18/23 | Closed with explanation | Yes | null | 6,453,509 |
02/07/23 | Mortgage | Conventional home mortgage | Improper use of your report | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | FL | 33,062 | null | null | Phone | 02/07/23 | Closed with explanation | Yes | null | 6,541,670 |
01/30/23 | 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 | IL | 60,016 | null | Consent not provided | Web | 01/30/23 | Closed with explanation | Yes | null | 6,504,619 |
01/25/23 | Mortgage | VA 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 | VA | 20,171 | Servicemember | Consent not provided | Web | 01/25/23 | Closed with explanation | Yes | null | 6,488,866 |
01/20/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | In the beginning of 2021 PHH Mortgage allowed a government sponsored COVID deferment to our mortgage, at the encouragement of the PHH relationship managers. They suggested placing the past due payments, or deferred payments at the end of the loan. This would be a separate amount due after the mortgage balance was fully paid. Once deferment was over PHH requested a loan modification due to the COVID deferment. Signed papers were requested. PHH then would not accept the notarized signatures that were requested and sent by PHH. PHH then would put a time limit to receive the signed and notarized papers. This happened up to 5 times. In the midst of trying to correct the signature issues mortgage payments were sent to PHH, some were accepted, some were not accepted, then other times we were told not to send payment at all. Now after seeking legal assistance while PHH threatens foreclosure our attorney is struggling for clear dialog with PHH. They now are saying the mortgage is in active foreclosure. PHH is not willing to work through their own admitted errors by their underwriters and escalation department. Our attorney has made repeated efforts to work this out with them and PHH refuses to cooperate. This is resulting in added attorney fees while PHH is adding " delinquent '' ( We feel there is no delinquency because payments were paid as were due but not accepted by PHH at their instruction ) interest and/or fees that PHH will not explain. We feel like we have exhausted all efforts to please PHH Mortgage and are open to resolve but seem to be getting no where. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Ocwen Financial Corporation | OK | 74,075 | Servicemember | Consent provided | Web | 01/20/23 | Closed with explanation | Yes | null | 6,460,853 |
01/18/23 | Mortgage | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | null | My Home equity Loan at Wells Fargo has gone from {$85.00} to {$160.00} per month. I Iost my retirement savings in the XXXX crash ( over XXXX XXXX dollars ) and got stuck with a XXXX XXXX XXXX for {$25000.00}. I became XXXX soon after only been able to pay the interest for many years. I almost died from XXXX have been sick for XXXX years. I have tried to refinance with Wells fargo but they can't really help me. Thanks, XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | MN | 55,732 | Older American | Consent provided | Web | 01/18/23 | Closed with explanation | Yes | null | 6,453,018 |
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 | AL | 35,016 | Older American, Servicemember | Consent not provided | Web | 01/25/23 | Closed with explanation | Yes | null | 6,465,991 |
10/14/22 | Mortgage | FHA mortgage | Trouble during payment process | null | Lost my homeowners insurance due to mortgage company not paying my escrow. Got a call from my insurer in XXXX of 2022 stating they have not recieved escrow, called my mortgage company and they said they paid it. Fastforward to XXXX of 2022 found out my insurance had been canceled due to none payments by my mortgage company I reached out to my mortgage company but they can not give me an answer they told me they will call me back but they have not in over a week. Try calling again but call will not go through. As of today I have no insurance on my home. | null | State Home Mortgage | GA | 30,016 | Servicemember | Consent provided | Web | 10/14/22 | Closed with explanation | No | null | 6,088,449 |
01/26/23 | 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 | REGIONS FINANCIAL CORPORATION | CA | 95,404 | null | Consent not provided | Web | 01/26/23 | Closed with monetary relief | Yes | null | 6,492,519 |
01/27/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | In XX/XX/XXXX an insurance claim had to be filed due to water damage caused by the dishwasher. When the insurance claim was filed, the mortgage was being serviced by XXXX XXXX XXXX XXXX and was in a current status.
As of XX/XX/XXXX the loan servicing was transferred to Mr. Cooper. Prior to the service transfer an insurance claim settlement had been approved and a check was issued dated XX/XX/XXXX. The check was made payable to us ( borrowers ), a third party adjuster, and the lender ( XXXX XXXX Mortgage ).
Due to the loan being transferred to Mr. Cooper on XX/XX/XXXX the insurance company had to re-issue a new check to reflect the new lender.
The insurance company re-sent a new check, dated XX/XX/XXXX and made payable to us ( the borrowers ) and lender ( Nationstar ).
On XX/XX/XXXX I contacted Mr. Cooper to obtain instructions on how to send and obtain the lenders endorsement. I was transferred to the insurance/loss draft department and was told that an escalation needed to be opened due to the loan being serviced by a previous servicer when the claim was initially opened. Additionally, I was told that the previous servicing file/loan history could not be reviewed in their system.
XX/XX/XXXX, follow-up phone call was made to Mr. Cooper. I was told the request was still being reviewed by the legal department because of the loan being previously serviced by another company. I was again told that the prior servicing history could not be viewed. When I asked the agent why, he basically told me that their system had not yet been updated and said that in a perfect world it should be.
At this point I do not understand why it is so difficult to get instructions on how to send a check to get endorsed and feel as though this company is in violation of the servicing rule regarding mortgage transfers. | Company believes it acted appropriately as authorized by contract or law | NATIONSTAR MORTGAGE LLC | MI | 48,329 | null | Consent provided | Web | 01/27/23 | Closed with explanation | Yes | null | 6,489,582 |
01/17/23 | Mortgage | Home equity loan or line of credit (HELOC) | Trouble during payment process | null | null | null | TRUIST FINANCIAL CORPORATION | FL | 33,703 | null | null | Referral | 01/18/23 | In progress | Yes | null | 6,454,338 |
12/23/22 | Mortgage | Other type of mortgage | Struggling to pay mortgage | null | If I don't pay my bill in the first week of the month, the lender mails me a notice of my account potentially incurring a late fee, and this is before my payment is officially late. If I fail to make a payment by the end of the month, they immediately mail a notice of intent to foreclose letter to my house. I admit I have not been consistent in keeping my account current and the lender initiated foreclosure proceedings last year but I was able to get approved for a loan modification so maybe there is something in the paperwork that allows them to contact me with threats of foreclosure after one missed payment. During the loan modification process, they continued to proceed with the foreclosure, even though I had successfully submitted a request for assistance. At the time, I brought up the question of possible dual tracking, and they did not acknowledge my concerns. I feel this lender violates consumers ' rights and uses predatory collection practices. | null | CARRINGTON MORTGAGE SERVICES, LLC | CA | 91,790 | null | Consent provided | Web | 12/23/22 | Closed with explanation | Yes | null | 6,357,776 |
01/04/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | Box Home Loans A Division of XXXXXXXX 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 XXXXXXXX Are you having a 5 star experience? Let my manager know : XXXX Applied for mortgage and was not provided a denial letter or any concrete information on my denial. Was not provided any information or how to correct the problem. XXXX XXXX would not return any of my calls. The times we did speak, he spoke in a condescending way such a multiple time referring to the information as mines, instead of discussing the problem. | Company believes the complaint provided an opportunity to answer consumer's questions | Nudge Funding, LLC | MI | 48,336 | Older American | Consent provided | Web | 01/04/23 | Closed with explanation | Yes | null | 6,397,703 |
01/17/23 | 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 | NEW YORK COMMUNITY BANCORP INC | WI | 53,151 | null | Consent not provided | Web | 01/17/23 | Closed with explanation | Yes | null | 6,449,047 |
01/23/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | Attention, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, their employers, supervisors, managers, et al. not excluding their successors, predecessors, assigns, owners, partners or related or non-related whatever ( hereinafter respondents ), Please, affirm or deny the following in writing, point by point using facts of law and do deliver such to our ministry under penalty of perjury, within seventy-two ( 72 ) hours, or be held liable and in default that a JUDGEMENT be sought in a UNITED STATES FEDERAL COURT before a jury of twelve for the respondents crimes against our sister, the XXXX XXXX ( hereinafter victim ), in VIOLATION of the UNITED STATES CONSTITUTION and in VIOLATION of the ORGANIZED CRIME CONTROL ACT of 1970 ( XXXX ). Should the respondents choose silence as a response, said silent response will be noted as an insufficient response, and an insufficient response will be recorded as a non-response pertaining to respondents conspiracy to commit organized crimes in VIOLATION of the laws of the UNITED STATES.
I allege XXXX XXXX XXXX and/or SHELLPOINT by successor in ownership, or XXXX XXXX XXXX XXXX XXXX singularly and/or collectively violated provisions of the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1640, 1666 and 1681, by wrongfully, improperly and illegally reporting negative information as to me to one or more Credit Reporting Agencies, resulting in my having negative information on my credit reports and the lowering of my XXXX XXXX XXXX ( FICO ) score. I hereby dispute any debt and demand YOU to change any and all negative information reported to Credit Reporting Agencies or YOU will be in violation of The Truth In Lending Act 15 U.S.C. 1601, Privacy Act Title 5 U.S.C. 552 ( b ) ( 4 ), and Title 12 U.S.C. 2605.
I hereby question the authenticity of ALL dates and/or ALL signatures by ALL parties on ALL documents, including without limitations, notarized documents, contracts, deeds, titles, affidavits, and/or the like, including without limitations the dates and/or signatures by notary publics, officers, employees, and any and ALL parties attesting to any and ALL claims, facts, accounting, transfers, recordings, publications, and/or the like, etc. I disavow any and ALL implied and/or conferred and/or inferred understanding of legalese terms now and at the time of the signing of any and ALL of the documents pertaining to the purported Mortgage.
Whereas in deviation from the XXXXXXXX XXXX XXXX of XXXX wherein section XXXX it does clearly state, And be it further enacted, That it shall be unlawful for any officer acting under the provisions of this act to countersign or deliver to any association, or to any other company or person, any circulating notes contemplated by this act, except as herein before provided, and in accordance with the true intent and meaning of this act. And any officer who shall violate the provisions of this section shall be deemed guilty of a high misdemeanor, and on conviction thereof shall be punished by fine not exceeding double the amount so countersigned and delivered, and imprisonment not less than one year and not exceeding fifteen years, at the discretion of the court in which he shall be tried.
In addition, whereas XXXX XXXX XXXX as TRUSTEES of the UNITED STATES BANKRUPTCY acting as TRUSTEES of the XXXX XXXX XXXX XXXX did commit a crime through their UNLAWFUL CONVERSION of the victims signed mark into a financial instrument that will shortly be reported to the CRIMES INVESTIGATION DIVISION of the IRS, the ILLINOIS COMPTROLLER and the UNITED STATES COMPTROLLER of the CURRENCY, XXXX either, knew, should know or should have known that any CONVERSION by the XXXX XXXX XXXX concerning the PROMISSORY NOTE bearing the XXXX XXXX XXXX XXXX into a FINANCIAL INSTRUMENT through which XXXX XXXX XXXX did obtain PAYMENT of over {$80000.00} UNITED STATES TREASURY DOLLARS without negotiation with the victim would be unlawful, XXXX XXXX XXXX did perform an UNLAWFUL CONVERSION once the victims PROMISSORY NOTE was CONVERTED into a FINANCIAL INSTRUMENT without DISCLOSURE to or NEGOTIATION with the victim in VIOLATION of the heretofore mentioned ACT, whereas, in addition, XXXX XXXX XXXX did FURNISH a DECEPTIVE FORM in VIOLATION of said ACT with WILLFUL INTENT to mislead the victim concerning the true source of funding.
Whereas XXXX XXXX XXXX, its successors, assigns or other can not prove anything to the contrary, XXXX XXXX XXXX did not loan the victim {$80000.00} as the RESPONDENTS bookkeeping would indicate, as the money secured by XXXX XXXX XXXX on behalf of the victim was not applied to the victims debt, as the UNITED STATES would intend but was claimed as an asset belonging to the RESPONDENT although the RESPONDENT had not right or entitlement to claim such thus making the RESPONDENT guilty of IDENTITY THEFT with INTENT to EMBEZZLE UNITED STATES SECURITIES.
XXXX XXXX XXXX also had no RIGHT or ENTITLEMENT to OBTAIN FUNDS in the name of the VICTIM by VIOLATING said ACT in any capacity. In addition, nor had the RESPONDENT right or entitlement to enforce any FINANCIAL INSTRUMENT, COMMERCIAL OBLIGATION or SALE resulting from the ILLEGALITY of the UNLAWFUL CONVERSION herein referenced nor did the RESPONDENT have right to TRANSFER anyright or ENTITLEMENT to MORTGAGE ELECTRONIC REGISTRATION SERVICES, or XXXX XXXX XXXX XXXX ( formerly known as ) XXXX XXXX XXXX XXXX XXXX, who in turn had no entitlement right to receive or transfer said ILL-GOTTEN INSTRUMENT to neither XXXX XXXX XXXXXXXX XXXX WHO IN TURN HAD NO RIGHT to TRANSFER any XXXX RIGHT, ENTITLEMENT or OFFICE to GREENTREE SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX whom had not right or entitlement to receive or transfer said ILL-GOTTEN ASSIGNMENT to NEWREZ LLC d/b/a SHELLPOINT who , in turn had not right to TRANSFER any INTEREST to the RESPONDENT, thus making all of the above participant accomplices to that crime initiated by the RESPONDENT UNTIL the victims property has been returned, as the RESPONDENT is liable for RESPONDENTS creation and enforcement of a XXXX XXXX XXXX XXXXXXXX through which the victim was FINANCIALLY HARMED and the XXXX kept from that lawful CREDIT GRANTED to the XXXX XXXX XXXX SOCIAL SECURITY XXXX XXXX XXXX XXXX XXXX by the UNITED STATES TREASURY unbeknownst to the victim.
Pursuant to XXXX ILCS XXXX et seq respondents or any other responsible agent of RESPONDENT must produce or facilitate the viewing of an original contract signed in blue, wet ink by the legal representative of the complainant, a living flesh and blood agent of RESPONDENT and a non- interested third party as witness to said contract may exonerate respondents from the claims of identity theft and commercial fraud of which respondents on behalf of RESPONDENT are being accused.
Whereas RESPONDENTS INDIVIDUALS, OFFICERS, EMPLOYEES, AGENTS and REPRESENTATIVES, are directed, controlled, financed, subsidized and/or compensated for aiding, abetting, counseling, commanding, representing, and procuring the gathering of information, soliciting, collecting, disbursing, dispensing contributions, loans, money, currency, or other things of value for, or in interest of INTERNATIONAL BANKS pursuant to TITLE XXXX XXXX XXXX XXXX and the INTERNAL REVENUE SERVICE XXXX XXXX al, are in fact engaged in inter-agency, international stipulations, agreements and commerce with the respondent and/or the INTERNATIONAL BANK for RECONSTRUCTION and XXXX XXXX XXXX and XXXX many- faceted subsidiary, artificial beings, Further, due to the residency and collateral fact that the RESPONDENTS and RESPONDENTS FOREIGN PRINCIPALS, ORGANIZATIONS, ASSOCIATIONS, OFFICERS, EMPLOYEES, REPRESENTATIVES, SERVANTS, or other INDIVIDUALS acting under their DIRECTION and CONTROL, are incapable of maintaining the integrity of the, Lawful, Constitutional Monetary System of the de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States of America, and XXXX not XXXX in Law or by birthright, i.e. Posterity, and have contributed to cause the victim grievous harm, damage and injury under pretense and colors, and are in breach of numerous legal duties imposed upon our Public Offices, making the RESPONDENT, by XXXX barred, estopped and precluded under the " XXXX Hands doctrine, '' from making any claim or right, title, or interest thereon. ( See : XXXX XXXX. XXXX ).
Respondent is hereby given further NOTICE of this ministrys INTENT to SEEK, COMMERCIAL, and CRIMINAL PROSECUTION all those responsible under all applicable provisions and Mandates of the Ordained Constitution for the Union of several States of the United States of America, and Laws made in pursuance thereof, including, but not limited to 18 U.S.C. 219, 241, 242, 645, 654, 912, 951, and 1001.
LET THIS NOTICE SERVE AS AN ESTOPPEL ON ALL CLAIMS, RESCISSION of ALL SIGNATURES AND OBJECTION OF ALL EFFORTS TO ENFORCE SAID UNLAWFUL CONVERSION CONCERNING THIS ACCOUNT AS FRAUD VITIATES ALL IT TOUCHES. DO NOT SELL, TRADE OR TRANSFER THE VICTIMS INFORMATION CONCERNING SAID ACCOUNT.
SINCERELY, | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | IL | 60,659 | null | Consent provided | Web | 01/23/23 | Closed with explanation | Yes | null | 6,476,378 |
11/11/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | My name is XXXX XXXX, formerly known as XXXX XXXX. Im trying to reach Specialized Loan Servicing ( SLS ) to request documents and my efforts have been unsuccessful. Ive spoken to a representative a few weeks ago but was never given a number or email address to follow up with.
The representative confirmed that SLS had sent my insurance company {$2200.00} on XX/XX/2022. I contacted my insurance company regarding this transaction ; however, they are requesting that I send them proof of this transaction. If SLS could send over documented proof of this transaction, that would help significantly in resolving the confusion. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Specialized Loan Servicing Holdings LLC | VT | 5,346 | null | Consent provided | Web | 11/11/22 | Closed with explanation | Yes | null | 6,190,200 |
01/21/23 | Mortgage | VA mortgage | Closing on a mortgage | null | CFPB Complaint by Veteran, 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 XXXX XXXX XXXX XXXX and b. 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 Company or Companies
XXXX Sellers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lenders Eagle Home & Universal American Mtg. Cos. (Lennar Mtg.)
Loan No. XXXX XXXX Servicers 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 XXXX XXXX XXXX XXXX Servicer XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage and Property Fraudulent Sale under VA Eligibility Disguise
HUD Certification Labels XXXX XXXX XXXX, in union with Serial 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 XXXX 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 is affiliated with XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 Eagle (Lennar Mtg.), 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 (ms) 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 and 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 $XXXX 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 XXXX 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 XXXX Endorsements.
iii. Had Insurers used the XXXX in the policy/contract, Lenders would not have had any access to any XXXX XXXX Endorsement granting any security for any loss incurred by the (ms) title matters. If Lenders didnt get XXXX XXXX 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 of 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 in 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 in XXXX XXXX XXXX, 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 XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX (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 XXXX.
a. The mh dealer knowingly used fraudulent, forged, non-existent XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in union with XXXX XXXX XXXX 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 Servicer, 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. XXXX 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 ARM, 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 XXXX 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 Eagle Home Mtg. (now Lennar), she had no access to the old file, and to contact them and request a copy. When Eagle 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 of XXXX, with XXXX Insurers, XXXX, as stated above.
a. Our insurance contract covers fraud, forgery, etc., and our situation clearly was in the coverage.
bXXXX XXXX denied our claim in XXXX XXXX XXXX and has denied all requested reconsiderations.
c. XXXX agent, at XXXX XXXX, now XXXX XXXX XXXX, XXXX XXXX, admits this is fraud, but says XXXX, the (mh) dealer, is liable, not the insurance company. Our contract is with XXXX, not with XXXXXXXX.
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 XXXX 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, XXXX XXXX, 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.
a. 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. XXXX XXXX XXXX XXXX XXXX XXXX
Similar to our experience with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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, XXXX, 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, XXXX 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. XXXX 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 of XXXX.
aXXXX 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 XXXX is no longer passing concealed fraud along, but is in fact, knowingly and willfully participating in this mortgage fraud.
a. Like XXXX XXXX has also refused to provide the simple legal compliance proof.
37. XXXX 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 XXXX being informed; evidence is both by electronic and written record.
a. We demand XXXX 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 XXXX 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. XXXX 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 XXXX 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 XXXX XXXX ceased to legally exist in XXXX. They 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.
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 and XXXX fraudulent sale and financing.
2. Cease all future mortgage payments to force addressing the finance fraud deception.
Our minimum resolution be | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Lennar Financial Services, LLC | ID | 83,801 | Servicemember | Consent provided | Web | 01/21/23 | Closed with explanation | Yes | null | 6,466,586 |
10/07/22 | Mortgage | FHA mortgage | Trouble during payment process | null | I was approved for the Homeowners Assistance Fund through the Florida Department of Economic Opportunity in XX/XX/2022, but my mortgage company is not updating my account. The approval was for my reinstatement amount and 4 monthly payments ( XXXX payments total ). There were XXXX checks dispersed in XXXX XXXX for {$42000.00} and the XXXX for {$1600.00}. The XXXX check was dispersed in XXXX for {$1600.00} and same for XXXX.
I notified Nations Direct Mortgage via the Loss Mitigation department back in XXXX that these funds will be coming and emailed them the grant letters, per their request. I began calling again about mid XXXX to check on the status of my account. It was suggested that I wait 30 days from the time the funds were sent out for an update. That is what I did, so I began calling again starting the second week in XXXX. Today is XX/XX/XXXX and despite calling 1-2 times per week for about a month now, the funds have not been applied to my account. The same action is performed everytime I call- they send an email to their HHF department for an update.
I have even had the Florida DEO on the line with me on 2 occasions with no progress. The DEO confirmed that 2 payments were processed by the mortgage company, however Im not very clear on where that information was being pulled from. Nations Direct was even unable to confirm an address that payments should go to when the representative from the DOE asked for one.
I fear that, at this point, there is no process in place at Nations Direct on how to accept these types of payments, despite me notifying them back in XXXX about it and emailing the grant letters that contain all the information they need. This mortgage company has already once erroneously sent my account to a Foreclosure attorney, but fortunately I was able to catch it early and get that stopped and reversed. However, they still charged me for the attorney fees.
Im afraid of losing my home. Please help me. | null | NATIONS DIRECT MORTGAGE, LLC | FL | 32,068 | null | Consent provided | Web | 10/07/22 | Closed with explanation | Yes | null | 6,062,283 |
01/20/23 | Mortgage | FHA mortgage | Trouble during payment process | null | Wells Fargo became my third mortgage server. My loan was initiated by XXXX XXXX. My XXXX XXXX. and property taxes were in escrow. When Wells Fargo became the server they failed to pay my XXXX XXXX I lost my grandfather coverage amount. After being notified by my insurance company that they canceled my policy for nonpayment. I had to open a new account at the expense of twice the rate. I then paid my property taxes. And sent Wells Fargo payments for principal and interest in full, On time regularly. They cashed each payment and sent me a Wells Fargo check back to me in the same amount. With a statement that said my payment was insufficient funds. I never cashed any of the multiple checks they sent. They told XXXX XXXX they were starting foreclosure and ruined my credit. They sent a XXXX XXXX to take pictures of my home to evaluate the value and condition. The entire experience was very difficult and lengthy. I received numerous ridiculous letters and phone calls. Some being very absurd. They sent a third party payment processor money left in my escrow to pay my property taxes. That were already paid where is that money now? I had no other option but to pay off my mortgage in full. After I sent them the entire amount. I received a letter telling me that I still owed them a little more than {$1800.00}. Then the recorded to my County deed office that my lein was released free and clear. My credit report still remains damaged and I recently tried to purchase a second vacation home. And was abruptly refused due to my credit report.
I pray that Wells Fargo compensates me to the fullest extent. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | MD | 21,872 | Older American | Consent provided | Web | 01/20/23 | Closed with explanation | Yes | null | 6,456,723 |
01/21/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | I think it was XXXX, I tried to modify my loan and did everything they said to do. I saved it from auction 14 times to try to save it. I finally had to sale my family home that my grandparents bought brand new in XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 94,559 | null | Consent provided | Web | 01/21/23 | Closed with explanation | Yes | null | 6,462,622 |
01/23/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Lender Name : Wells Fargo Home Mortgage I recently read that Wells Fargo had to settle and help those effected by their inability to assist home owners in loan modifications after XXXX. I called Wells Fargo and told them I was XXXX of those effected and they said if I am, they would reach out but they have not.
In XXXX I attempted to modify my loan and several reps failed to assist with files getting lost, reapplication and so on. Wells Fargo put my house into Foreclosure without any guidance or help. I was forced to sell my house at a lower price than worth just to regain my down payment and not lose everything entirely. During the closing they charged me enormous amount of late fees.
Their carelessness and lack of service affected me for years and until today. If you can please help and look into this I would appreciate it. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NY | 11,229 | null | Consent provided | Web | 01/23/23 | Closed with explanation | Yes | null | 6,476,073 |
02/01/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Ocwen Financial Corporation | CO | 80,466 | Servicemember | null | Web | 02/01/23 | Closed with explanation | Yes | null | 6,517,569 |
01/19/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | I was trying to get them to help me to save my house from foreclosures and they told that they will help me save my house I try to make a payment for past due when it was {$5000.00} they kept getting me the runaround | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | TN | 38,122 | null | Consent provided | Web | 01/25/23 | Closed with explanation | Yes | null | 6,458,881 |
01/21/23 | 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 | FL | 33,446 | Older American | Consent not provided | Web | 01/21/23 | Closed with explanation | Yes | null | 6,468,562 |
01/20/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | I had a home but lost it to foreclosure. I started with a low manageable payment but yearly it increased to an unmanageable amount. I had to XXXX lose my truck cause i wanted to keep the house then eventually i lost the house. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | LA | 70,364 | null | Consent provided | Web | 01/20/23 | Closed with explanation | Yes | null | 6,465,679 |
11/01/22 | Mortgage | Home equity loan or line of credit (HELOC) | Trouble during payment process | null | Entailed within the letter of complaint to XXXX XXXX are the following issues I raised : Predatory Lending, XXXX XXXX XXXX Discrimination o My mother was a XXXX XXXX American woman when she applied for a HELOC of $ XXXX, when XXXX XXXX enticed her XXXX XXXX the loan amount from $ XXXX to $ XXXX, although she already had lines of credit of $ XXXX and $ XXXX on XXXX separate credit cards with Bank of America Fiduciary Irresponsibility XXXX XXXX XXXX XXXX belief because my mother was an XXXX XXXX, senior citizen and XXXX XXXX wanted to secure a sales bonus, he failed his fiduciary responsibility to my mother and the bank and enticed my mother to increase her HELOC application from $ XXXX to $ XXXX. I joined my mother at the Bank of America XXXX XXXX. Branch when she applied for the $ XXXX HELOC, not knowing she already had XXXX separate lines of credit of $ XXXX and $ XXXX, because I would have talked her out of applying for a HELOC when she had XXXX available lines of credit of $ XXXX and $ XXXX o While my mother and I was at the Bank of America XXXX XXXX. Branch, XXXX XXXX informed my mother he had to call his manager in XXXX, NC to get her sign-off on the HELOC application and when he called his manager and she didnt answer the phone, ( wink, wink ) he informed my mother she would need to return on the following Monday to finish the application process o Essentially, XXXX XXXX, wanted my mother to return to the branch by herself and when she returned on the following Monday, XXXX XXXX enticed my mother to increase the HELOC amount from $ XXXX to $ XXXX, however, after my mother was approved for the $ XXXX HELOC, she waited over nine months before she requested Bank of America to provide her with a $ XXXX Cashiers Check and she deposited the cashiers check into her account. This doesnt appear to be the actions of a person who needed a loan immediately to wait nine months before she utilized any of the funds from the HELOC Charging default fees when the account isnt in default, namely : o Charging fees allowable when the account is considered in default, however, the account is no longer in default as of XX/XX/XXXX, when I paid the outstanding balance minus the escrow balance due Mortgage Servicing fees can be found at their website : www.bankofamerica.com/defaultfees XXXX Corporate Advance Fee ( description changed to Recoverable Corporate Advance ) of {$52.00} has been assessed against the account monthly since XX/XX/XXXX, after I paid the outstanding balance minus the Escrow Balance of {$1600.00}, which is still owed to Bank of America Mortgage Servicing XXXX XXXX Home Inspection Fees ( description changed to Property Dwelling Fee ) of {$17.00} and {$35.00} ; description changed to Property XXXX XXXX after I questioned why this fee is assessed against the account because no home inspection has occurred at the property since my mothers death o Late Fees of {$6.00} and {$29.00} after I questioned why a late fee was imposed on an estate account, BOA Mortgage Servicing XXXX made an adjustment to the account and refunded the late fees incurred and sent me a refund check for {$6.00} for XXXX of the late fees assessed against the account, however, they charged a late fee on the XXXX billing cycle for XX/XX/XXXX due date in advance of the payment due date of XX/XX/XXXX, although I paid the bill on time | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | NC | 28,233 | null | Consent provided | Web | 11/18/22 | Closed with explanation | Yes | null | 6,152,677 |
01/05/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Wells Fargo takes my payments from my checking account and insists they have not received payments. I have all documentation of payments being made. I use Wells Fargo bill pay online to pay my Wells Fargo mortgage. The monies have been consistently deducted from my checking account. Even if I use a direct payment to WF the money is redirected to other Wells Fago accounts that are not mine. Wells Fargo keeps sending me notifications of collection and does nothing to correct it and admits the money has been redirected and claims it's an internal issue but won't document it. When I spoke with Wells Fargo Management I simply asked where are my money and they admitted it was received but they can't find it and insist I am in rears. I have never in 30 years missed a payment. This all began when I refinanced on XXXX I have all the documentation Wells Fargo has withdrawn my funds internally from my account but keeps harassing and doing a run around to me and refuses through incompetence to correct the issue. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NJ | 8,520 | null | Consent provided | Web | 01/05/23 | Closed with explanation | Yes | null | 6,399,428 |
01/04/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | I tried to stay current on my mortgage during the pandemic however I fell behind in XXXXXXXX XXXX. My loan was transferred to Selene finance and they put me into foreclosure. I have an FHA loan and Selene did not tell me assistance was available. They did not offer me any assistance nor did they inform me of the programs that FHA had put in place for homeowners like myself. Every time I tried to get information regarding the FHA partial claim or recovery modification I was told I had to send in an application with full documentation. I am now in foreclosure and incurring fees and lawyer costs without even being informed that I could have gotten a streamline through FHA and been helped. I think Selene has violated the CARES act by blocking me from assistance and then putting me into foreclosure. The COVID pandemic was horrible and I do not think I should lose my home. Especially if there is available assistance and Selene blocked it. | null | Selene Holdings LLC | FL | 33,458 | null | Consent provided | Web | 01/04/23 | Closed with explanation | Yes | null | 6,396,906 |
01/23/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | They didnt try to help me, turn down my modification so I lost my house | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | AL | 36,617 | null | Consent provided | Web | 01/23/23 | Closed with explanation | Yes | null | 6,470,646 |
02/02/23 | 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 | U.S. BANCORP | OK | 74,014 | Servicemember | Consent not provided | Web | 02/02/23 | Closed with explanation | Yes | null | 6,533,050 |
01/27/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | RUSHMORE LOAN MANAGEMENT SERVICES LLC | CA | 90,265 | null | null | Web | 01/27/23 | Closed with explanation | Yes | null | 6,489,686 |
01/23/23 | Mortgage | VA mortgage | Trouble during payment process | null | null | null | Movement Mortgage LLC | CO | 80,921 | Older American, Servicemember | null | Web | 01/23/23 | Closed with explanation | Yes | null | 6,477,462 |
02/02/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | Central Mortgage Funding, LLC | NJ | 8,053 | null | null | Web | 02/02/23 | Closed with explanation | Yes | null | 6,531,379 |
01/21/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Wellsfargo illegally forced me to pay them close to {$2000.00} dollars | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | AZ | 85,032 | null | Consent provided | Web | 01/21/23 | Closed with explanation | Yes | null | 6,469,172 |
01/31/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | RUSHMORE LOAN MANAGEMENT SERVICES LLC | MA | 2,052 | Older American, Servicemember | null | Web | 01/31/23 | Closed with explanation | Yes | null | 6,512,152 |
12/30/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | Good Morning : I have been trying to work with SLS mortgage company. My loan is in default. I received assistance of {$65000.00} from TX XXXX program but the mortgage company would NOT accept it because it was not the full amount. I was pleading for a loan modification and this amount would help substantially with some personal funds that I have. Instead XXXX has continued with the foreclosure process instead of working with me, the homeowner. This lack of communication and lack of assistance upon request has been going on since XX/XX/XXXX and now I am scheduled for Foreclosure on XX/XX/XXXX. I am quite sure there are resources out here to help, I just don't know who to contact. Please advise if you know of any resource that I can contact. Thanking you in advance. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Specialized Loan Servicing Holdings LLC | TX | 75,040 | null | Consent provided | Web | 12/30/22 | Closed with explanation | Yes | null | 6,379,672 |
12/30/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Hi! We recently bought our home and our mortgage was bought by a company named Shellpoint Financial. We had them for roughly a month before we got notice that they were being bought out or our mortgage was being bought by a company called NewRez. We started this process back in XXXX or XXXX of XXXX. I just want to set up automatic payments and keep our military power of attorney form on file. Unfortunately neither one of these has happened. I have turned in by mail, phone and e-mail numerous copies of both the automatic payment form and the power of attorney form. The mortgage is in my husbands name and they sometime want to speak to him to verify and other times will talk to me. This has incurred a late payment EVERY month that we have had this company. And every month I have to call to make my payment and am told that a supervisor can help or whatever excuse Im getting with that phone call. I dont have the time or energy to call and complain to a company every month about paying my bill. Even the app doesnt work, to try to even look at my account. My husband is in the military and will be getting XXXX soon, and not being able to work with a company to get a resolution is absolutely absurd. | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | IA | 50,232 | Servicemember | Consent provided | Web | 12/30/22 | Closed with explanation | Yes | null | 6,374,284 |
01/20/23 | 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 | WI | 54,001 | null | Consent not provided | Web | 01/20/23 | Closed with explanation | Yes | null | 6,465,862 |
01/24/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | I have applied for Loan Modification for my house at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but they stated that they can not approve it because I dont have a default payment. Wells Fargo CSR told me not to pay my mortgage payment in order to have a default payment and get approved. However, when I started not to pay my mortgage, they always telling me to wait and faxed them some documents. Every time I called them, they stated that its not approved yet and asked for more documents as they did not receive it since I faxed it inside Wells Fargo Bank. Until I missed paying 8 months, then they told me that they will foreclosure my house on XX/XX/XXXX.
My sister told me that she knows a Real Estate Agent by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who handle Loan Modification through their Attorney. I negotiated with them and paid them. They wrote a letter to Wells Fargo and they gave me a trial period of three months, paying {$1900.00} to Wells Fargo to avoid the Foreclosure. I started paying WF on XX/XX/XXXX ; however, Wells Fargo returned our payment for XXXX as they told me that the house was foreclosed. My attorney tried to negotiate but he failed. Wells Fargo foreclosed my house on XX/XX/XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 92,223 | Servicemember | Consent provided | Web | 01/24/23 | Closed with explanation | Yes | null | 6,479,657 |
01/09/23 | Mortgage | Conventional home mortgage | Incorrect information on your report | null | null | Company believes it acted appropriately as authorized by contract or law | AMA Advisors, LLC. | NV | 89,129 | null | Other | Web | 01/09/23 | Closed with explanation | Yes | null | 6,417,330 |
12/29/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Below is an email sent to XXXXLoanCare regarding our mortgage. LoanCare is accusing us of non-payment and we have provided and proved substantially with documentation that payments were made and the money is with LoanCare/XXXX
Even after we proved everything, LoanCare/XXXX has predatory, inhouse debt collection calling us demanding payment. When we ask to escalate to a supervisor we are unable to speak to anyone and there is denial that LoanCareXXXX has payments.
We as borrowers are extremely upset and perturbed by XXXX and LoanCare as to managing the transfer of servicing from XXXXXXXX XXXX to XXXX and ongoing payments. What should be an enjoyable time of making our new home our own has become a nightmare. With the advances of technology, there should be better communications between both companies ( XXXX and XXXXXXXX XXXX ) and transparency to let me, the borrower, understand what, where, when and to whom, I need to make payments to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Many of the mortgages I held were taken out with a paper driven process. It is clear that there is antiquated servicing software being used and that there is poor to no communication that meets the standards of customer service of 2022. The loan was sold while I was in XXXX for 8 weeks, visiting my daughter and vacationing. I was unable to receive paper mail and I never received electronic communication. I have been trying to resolve the payment issue with my mortgage without success from XXXXXXXX XXXX and XXXX. Your customer service and collections teams have been unable to solve the problem, despite providing all documentation and actions. I am prepared to go to the Consumer Financial Protection Bureau next and open a case as you are not acting within your fiduciary duty to me as the borrower, and your servicing/collections team is acting predatory even after I have proven that we have made all required payments. Our credit scores are XXXX. We are prompt with paying bills.
Attached is all of the payments made to XXXX XXXX on loan # REMOVED which you are currently servicing for XXXX with a new account # REMOVED.
I have paid directly to Loan care XXXX on XX/XX/2022, to customer service because they asked for escrow to be paid. Confirmation number Removed.
I also paid on XX/XX/2022 XXXX for XXXX mortgage payment Conformation XXXX XX/XX/2022 a bulk wire transfer was sent to Loan Care which included my XXXX payment.
Wire Transfer XXXX XXXX After 2 hours of conversations NO ONE can seem to find my transaction.
XX/XX/2022 XXXX sent a bulk wire transfer to Loan Care which included my XXXX payment.
Wire Transfer # REMOVED I am totally up to date on XXXX XXXX XXXX and Escrow.
This transfer has become a nightmare that I have never experienced before, and I have had 20-25 mortgages in which most have been sold. Many of these mortgages occurred before the industry was computerized. It is clear that there is antiquated servicing software being used and there is poor communication. The loan was sold while I was in XXXX for 8 weeks, and not receiving mail. I can not get customer service to help me solve this problem.
Our credit scores are XXXX. I am prompt with paying my bills. How many others are you torturing through this process? Ive spent too much time trying to correct these mistakes. My next email is to the Consumer financial protection bureau. Loan Care will not communicate with me or with XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | LoanCare, LLC | SC | 29,601 | null | Consent provided | Web | 12/29/22 | Closed with explanation | Yes | null | 6,375,675 |
11/17/22 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | Company believes it acted appropriately as authorized by contract or law | Guild Mortgage Company LLC | WA | 98,640 | null | Consent not provided | Web | 11/17/22 | Closed with explanation | Yes | null | 6,217,930 |
01/25/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Selene Holdings LLC | AZ | 85,255 | null | null | Web | 01/25/23 | Closed with explanation | Yes | null | 6,478,628 |
01/30/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | Shellpoint knows all they have to do is send a misleading statement and CFPB will close the case XXXX. They overcharged me. Then, they applied money back to the principal. Then, they skipped two payments and now they are using there overcharge to misrepresent that they corrected to muddle the facts. In the letter, Shellpoint never addresses that it was a covid modification and whether it received funds from the government to cover back interest and escrow.
In the letter, Shellpoint claims the {$65000.00} is for XX/XX/2022. This again is a red-herring. The XXXX covers the entire year of XXXX. So, if my statement at the end of XX/XX/2022 reflects XXXX, then the XXXX should reflect the same. | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | TX | 78,664 | null | Consent provided | Web | 01/30/23 | Closed with explanation | Yes | null | 6,501,856 |
12/06/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | I lost my job several months ago, and have spent the last few months securing new employment and rebuilding my financial life. As part of this, I reached out to Citizens Bank for assistance with my mortgage as I have been unable to pay. I will be able to pay within the next few months as my finances balance out with my new employment. Citizens referred me to the XXXX XXXX XXXX web portal to submit my paperwork. My wife and I submitted everything, but were told we needed additional pay stubs ( along with my unemployment ). We uploaded these documents on XX/XX/2022. On XX/XX/2022 - I received a phone call from Citizens that they had not yet received the requested documents and were going to close my file for assistance if they were not received before the end of the week. I promised to have the documents emailed to them ( to an email address they provided me ) within the hour. As promised- all documents were sent. On XX/XX/2022, I received notification that my request was closed. We called Citizens Bank and were told that it sometimes takes 2-3 business days to receive the documents, but they would re-open my case when they received them internally. On XX/XX/2022 - I called to follow-up and was told they still had not reviewed the documents. They noted that my Relationship Manager would be given a note to call me, even though the relationship managers were typically not allowed to speak to their clients. Today, XX/XX/2022, I still have not received a call from the relationship manager, and my wife was told that Citizens Bank does not have any record of the conversations we have had, and that we will need to start the process over again since we failed to follow their instructions. I faxed the " missing '' documents to the fax number they provided today, however, my wife was told we would need to re-submit everything. | null | CITIZENS FINANCIAL GROUP, INC. | PA | 16,877 | null | Consent provided | Web | 12/06/22 | Closed with explanation | Yes | null | 6,287,958 |
01/22/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | We paid the company and nothing was resolver. The bank did not want to do a loan modification for us. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | FL | 33,027 | Older American | Consent provided | Web | 01/22/23 | Closed with explanation | Yes | null | 6,467,728 |
01/28/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | I was affected by XXXX. I had XXXX and could not pay my mortgage. I am XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | GA | 30,038 | null | Consent provided | Web | 01/28/23 | Closed with non-monetary relief | Yes | null | 6,499,982 |
01/23/23 | Mortgage | VA mortgage | Trouble during payment process | null | null | null | Selene Holdings LLC | IN | 46,176 | Servicemember | null | Web | 01/23/23 | In progress | Yes | null | 6,475,283 |
02/13/23 | Mortgage | Other type of mortgage | Trouble during payment process | null | null | null | ASSOCIATED BANC-CORP | IL | 60,134 | null | null | Web | 02/14/23 | Closed with explanation | Yes | null | 6,564,876 |
01/20/23 | Mortgage | VA mortgage | Trouble during payment process | null | Something late payment due to the mail system. They would charge a late fee | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | WA | 98,382 | null | Consent provided | Web | 01/25/23 | Closed with explanation | Yes | null | 6,456,838 |
01/24/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | Shell point mortgage put me on cares act. XXXX of XXXX. They are demanding payment in full.
I'm not behind on payments They stopped accepting any money from me in XXXX of XXXX. I was on the cares act plan. They have denied I was on this plan. They have denied me any way to get modification or forbearance. They have never notified of anything. I can prove their lies at every point of contact. They have had class action lawsuits filed an shell point lost every lawsuit. For the exact same thing they are doing to me. Theese people should be in prison. This is just a couple of the thing they have tried there is a lot more they have done an said an lied about trying to steal my house. I'm not upside down on my house Actually I have around XXXX in equity in my house. Please help me resolve this matter. I can document lie after lie by shell point. It's criminal what they have done.. | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | LA | 70,817 | Servicemember | Consent provided | Web | 01/24/23 | Closed with explanation | Yes | null | 6,474,451 |
01/24/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | NATIONSTAR MORTGAGE LLC | AL | 36,330 | null | null | Web | 01/24/23 | Closed with explanation | Yes | null | 6,480,008 |
01/23/23 | Mortgage | FHA mortgage | Trouble during payment process | null | This is my XXXX complaint filed against XXXX. On XX/XX/XXXX my mortgage was transferred to affiliate company Shellpoint. Since the transfer date, it has been very difficult for payments sent and confirmed they were sent by HAF to be transferred to Shellpoint. These XXXX companies are connected and any correspondence is easily relayed regarding these complaints. However payments being transferred is a different story! According to XXXX both XXXX XXXX payments were sent to XXXX both on the first of each month. I have sent in an escalation to HAF in regards to missing payments in XXXX. I was notified that Shellpoint received XXXX payment from XXXX on XX/XX/XXXX and was in the process of posting it. They never posted the payment until XX/XX/XXXX. When a payment was posted and applied to XXXX. I am still unsure if this was a transfer payment sent to XXXX for XXXX or a current payment sent to Shellpoint for XXXX. Shellpoint Customer service is unsure?? According to Shellpoint customer service they state their hands are tied as to where XXXX payment is and when it will be transferred and also XXXX payment. They confirmed they have escalated this issue to XXXX as to missing payments not being transferred and advised it can take up to 60 days for everything to smooth out and payments being posted. It has been over 60 days and Im now receiving a threatening letter from Shellpoint for foreclosure if not paid by XX/XX/XXXX. This is unreal as it was not an issue to post these payments prior, they may have been posted late towards the end of the month but were eventually posted with no issue. Now that they transferred mortgage to there affiliate company ( due to me being on XXXX assistance ) they have lost the payments and no one in both companies can find. Not only will I be filing this complaint, I will also be filing a complaint with The Department of Treasury, for misuse of funds, the XXXX and also my State Senator! | Company believes complaint caused principally by actions of third party outside the control or direction of the company | Shellpoint Partners, LLC | FL | 33,853 | null | Consent provided | Web | 01/23/23 | Closed with explanation | Yes | null | 6,477,507 |
01/28/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | WELLS FARGO & COMPANY | WA | 98,002 | null | null | Web | 01/28/23 | In progress | Yes | null | 6,499,122 |
01/26/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | MONEY SOURCE, THE | MI | 48,911 | null | null | Web | 01/26/23 | Closed with explanation | Yes | null | 6,491,897 |
01/24/23 | Mortgage | VA mortgage | Trouble during payment process | null | null | null | PLAZA HOME MORTGAGE, INC. | IL | 60,104 | Servicemember | null | Web | 01/24/23 | Closed with explanation | Yes | null | 6,473,736 |
01/04/23 | Mortgage | VA mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SIMMONS FIRST NATIONAL CORPORATION | AR | 72,472 | Servicemember | null | Phone | 01/31/23 | Closed with explanation | Yes | null | 6,399,032 |
01/23/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | NATIONS DIRECT MORTGAGE, LLC | TX | 79,705 | null | null | Web | 01/23/23 | In progress | Yes | null | 6,477,083 |
01/20/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I gave a payment of XXXX when I should've I called wells Fargo they told me it wasn't time for my payment and to go back and ask for my money so I did and they refused to give it back to me | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 91,103 | Older American | Consent provided | Web | 01/20/23 | Closed with explanation | Yes | null | 6,465,883 |
01/25/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | NATIONSTAR MORTGAGE LLC | TN | 37,323 | null | null | Web | 01/25/23 | Closed with explanation | Yes | null | 6,478,623 |
01/25/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Home was originally purchased through the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) ( working through XXXX XXXX cell XXXX ) and I qualified for a XXXX Covid relief fund and was told to stop making my monthly payments until I was approved and they would reach out to the borrowers ( I have two mortages - Peoples United now M & T Bank and XXXX XXXX XXXX XXXX has tried reaching out to M & T Bank 3 times before they responded at all. They sent an incomplete response on XX/XX/XXXX and XXXX sent another request on XXXX and no response back. They repeatedly send a XXXX company out each month to see if I am still residing in the property and put an envelope on my door. I have called and complained each time. They know I am working through this process and can not make any payments or it defaults my grant through XXXX. They are harrassing me, but, in fact, it is their own fault that they haven't gotten paid yet as they are not sending back the required information that is needed for a payment to be issued. I am not being harrassed by XXXX ( second mortgage ). The total amount due as of XX/XX/XXXX was {$13000.00} for M & T Bank. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | M&T BANK CORPORATION | VT | 5,354 | Older American | Consent provided | Web | 01/25/23 | Closed with explanation | Yes | null | 6,484,674 |
01/24/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | WELLS FARGO & COMPANY | GA | 30,016 | null | null | Web | 01/24/23 | In progress | Yes | null | 6,479,860 |
01/25/23 | Mortgage | Other type of mortgage | Struggling to pay mortgage | null | null | null | Lil' Wave Financial, Inc. | CA | 95,632 | Older American | null | Web | 01/25/23 | Closed with explanation | Yes | null | 6,484,108 |