Date received
stringclasses 363
values | Product
stringclasses 1
value | Sub-product
stringclasses 6
values | Issue
stringclasses 10
values | Sub-issue
float64 | Consumer complaint narrative
stringlengths 23
31.2k
⌀ | Company public response
stringclasses 10
values | Company
stringclasses 699
values | State
stringclasses 58
values | ZIP code
float64 603
99.9k
⌀ | Tags
stringclasses 3
values | Consumer consent provided?
stringclasses 4
values | Submitted via
stringclasses 5
values | Date sent to company
stringclasses 364
values | Company response to consumer
stringclasses 5
values | Timely response?
stringclasses 2
values | Consumer disputed?
float64 | Complaint ID
int64 5.3M
6.67M
|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
01/21/23 | Mortgage | VA mortgage | Trouble during payment process | null | I was with them for many years with a V.A. mortgage and after several months after closing I found out they were charging PMI insurance on my VA loan which is not required or allowed.
The VA Guarantees the loan and PMI is not required.
Tried for several years to get them to stop it and refund the charges with absolutely no help trying to work with.them.
Tried several times to get the V.A. to help with no response and they told me to take it back to Wells Fargo and again a brick wall -. Just wasted months of frustration for nothing!.
Grew tired of Stonewalling from both organizations | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | IN | 46,011 | Older American, Servicemember | Consent provided | Web | 01/21/23 | Closed with explanation | Yes | null | 6,468,448 |
01/26/23 | 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 | IL | 60,915 | null | Consent not provided | Web | 01/26/23 | Closed with explanation | Yes | null | 6,492,297 |
12/28/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | JPMORGAN CHASE & CO. | CA | 95,624 | Older American | null | Web | 01/24/23 | Closed with explanation | Yes | null | 6,369,688 |
02/02/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | Class action suit against swells Fargo for loan modification and improperly handling account | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NY | 11,236 | null | Consent provided | Web | 02/02/23 | Closed with explanation | Yes | null | 6,519,941 |
12/27/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | FIFTH THIRD FINANCIAL CORPORATION | MI | 48,074 | Older American, Servicemember | null | Postal mail | 12/27/22 | Closed with non-monetary relief | Yes | null | 6,366,968 |
01/20/23 | 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 | FL | 33,014 | null | Consent not provided | Web | 01/20/23 | Closed with explanation | Yes | null | 6,461,524 |
01/31/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | Selene Holdings LLC | CA | 94,561 | null | null | Web | 01/31/23 | Closed with explanation | Yes | null | 6,509,865 |
01/03/23 | Mortgage | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | NY | 11,215 | null | Consent not provided | Web | 01/03/23 | Closed with explanation | Yes | null | 6,393,394 |
01/20/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Wells Fargo lawsuit is for people who held accounts between XXXX and XXXX. I had a mortgage with them as well as checking account. How do I get my settlement? | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CT | 6,401 | null | Consent provided | Web | 01/20/23 | Closed with explanation | Yes | null | 6,464,537 |
01/04/23 | Mortgage | VA mortgage | Struggling to pay mortgage | null | null | null | FIFTH THIRD FINANCIAL CORPORATION | FL | 32,668 | Servicemember | Consent not provided | Web | 01/04/23 | Closed with explanation | Yes | null | 6,389,445 |
01/17/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | XXXX theys try to take my home in i take the attorneys from XXXX XXXX they help me the lawyers but the take all my money from XXXX to XXXX i {$1.00} in they put new balance on my house they refinance but the bank put new balance i pay o most XXXX XXXX dollars in theys never give to me back my money i pay before | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | GA | 30,517 | Older American | Consent provided | Web | 01/17/23 | Closed with explanation | Yes | null | 6,447,986 |
01/24/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | Idaho Housing And Finance Association | WA | 98,499 | Older American | null | Web | 01/24/23 | Closed with explanation | Yes | null | 6,480,672 |
01/18/23 | Mortgage | Other type of mortgage | Struggling to pay mortgage | null | null | null | Ocwen Financial Corporation | NY | 10,921 | null | null | Web | 01/18/23 | Closed with explanation | Yes | null | 6,447,541 |
01/19/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | My concern is the modification of the second mortgage dont understand why I have a second mortgage | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | GA | 30,134 | null | Consent provided | Web | 01/19/23 | Closed with explanation | Yes | null | 6,459,322 |
02/01/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | Wells Fargo Mortgage Department Processed a Forbearance Loan with a very high interest rate because I was struggling trying to pay my regular loan payments in 2012. I was trying to save my home, because Wells Fargo was threatening to foreclose on my home. I was unaware the forbearance loan would increase my loan payments as well, that is exactly what happened. Wells Fargo indicated that I could apply for a loan modification at that time, which would lower my loan payments. I applied for the loan modification, with advice of the loan officer. Several weeks passed, I had not heard from Wells Fargo and I was told that, they could not locate my paperwork and I was asked to resubmit all the paperwork again. After months of having the same thing to happen, no paperwork I was denied because they had no paperwork for me. I submitted the same loan documents five time, only to be told they never received them. I never got a loan modification. I lost my home. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 92,108 | null | Consent provided | Web | 02/01/23 | Closed with explanation | Yes | null | 6,509,415 |
01/31/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | received from my servicer, Freedom Mortgage, new escrow account analysis around XX/XX/23. Freedom Mortgage gave option for me to pay " shortage '' - so i did - and Freedom Mortgage acknowledges receipt. Now Freedom Mortgage is telling me their system says my payment does not match what i see online and i owe more than my online account says!?!
On phone with rep for over an hour debating discrepancy, asked for escalation. only option given was a " call back ''. i refused and demanded to speak to someone. was disconnected by rep additionally, over 2 weeks ago i renegotiated my homeowner 's insurance, followed directions on freedom mortgage website to submit EOI/dec page and requested new escrow analysis. ( which freedom mortgage acknowledges they have new XXXX page ) and am told today that they were not aware i requested new escrow analysis and they would request a new analyisi how do they acknowledge receipt of new much lower HOI and assume i wouldn't want revised monthly payment??? | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | OH | 43,040 | null | Consent provided | Web | 02/01/23 | Closed with explanation | Yes | null | 6,509,512 |
01/25/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | The company was Wells Fargo. Around XXXXXXXX XXXX XXXXXXXX. I needed to modify my mortgage. The bottom line is they put me through months of paperwork and then I ended paying more for my mortgage than before I attempted to modify my loan. I ended up having to file for bankruptcy. I always felt they didn't do right. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | MD | 20,785 | Older American | Consent provided | Web | 01/25/23 | Closed with explanation | Yes | null | 6,483,885 |
01/25/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I am a senior citizen and I'm on the XXXX program they paid my Mortgage and my mortgage company received the payment and refused to posted the payment and charging me a late fee I called several time and was told they received my payment but its not yet posted by they keep on calling me about late payment also charging me a late fee, XXXX sent the payment on XXXX also XXXX XX/XX/23 select portfolio not posting the payment and causing me issues with my credit I called them several times and they acknowledge that they did received the payment and another department is handling those payments as of today the payment received posted to my account and causing me stress and fear, at XXXX years old I cant handle this stressed from them, Please see all the letters from select portfolio services also my XXXX approval letters XXXX XXXX XXXX | Company believes it acted appropriately as authorized by contract or law | SELECT PORTFOLIO SERVICING, INC. | FL | 33,023 | Older American, Servicemember | Consent provided | Web | 01/25/23 | Closed with explanation | Yes | null | 6,484,173 |
01/25/23 | Mortgage | VA mortgage | Struggling to pay mortgage | null | When moving from XXXX to New Mexico in a Permanent Change of Station ( PCS ) move for the XXXX XXXX XXXX, I took out a mortgage with XXXX, who eventually transferred my loan to XXXX XXXX XXXX, serviced by Mr. Cooper. I was having financial difficulties due to the cost of living during the pandemic ( and taking out loans during that time ) and due to the cost to move from overseas that was not reimbursed by the XXXX XXXX. I had already began talking to the financial advisor at my local XXXXXXXX XXXX XXXXXXXX XXXX XXXX in order to get into a better financial situation. When looking at the Mr. Cooper website, I saw that they had a relief plan specifically for hardships incurred due to the XXXX XXXX. I applied for the " Mortgage Assistance '' program and immediately saw that my account reflected the change. According to the Mr. Cooper Website page for XXXX XXXX, the program allows you to not make payments on your mortgage for 3 months with no penalties. A month later, I started getting phone calls and letters from XXXX XXXX XXXX XXXX stating that I was behind on my payments. Upon telling them on the phone that I had signed up for the pandemic relief program, their staff told me that the program did not exist any more and got really frustrated with me and threatened me with foreclosure stating that I still had to make payments. As soon as I submitted the application, and to this day, the total due is marked through on their website with {$0.00} due. However, the amount that is marked through keeps increasing and I keep getting phone calls. I am currently enrolled in a financial hardship program with In-Charge Debt Solutions for unrelated debt, because I am trying to get into a better financial situation. I have already spent the money that was supposed to go towards this mortgage on food, gas and other bills. I have already filed a complain with the XXXX, but I found this website and didn't know if it would be better to file here. XXXX complaint case # XXXX | Company believes the complaint provided an opportunity to answer consumer's questions | NATIONSTAR MORTGAGE LLC | NM | 88,101 | Servicemember | Consent provided | Web | 01/25/23 | Closed with explanation | Yes | null | 6,484,177 |
01/02/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | XX/XX/XXXX Caliber transferred service of my loan to XXXX. Just before this transfer, I ended my COVID forbearance under Caliber, and made restarted payments eff. XX/XX/XXXX but was told I had to make phone payments because underwriters were working on my account. I requested the removal of PMI based on the evaluation of my home, done by Caliber 's broker and was issued a XXXX XXXX XX/XX/XXXX, showing the increased value of my home, which put the value above the threshold to carry PMI. Caliber let me know that underwriters would automatically remove this, they issued the letter and it would be included with all materials when the underwriter saw it, and I would see the removal of PMI in my statements once the underwriting was complete. When I asked why an underwriter was reworking my loan, since my mortgage terms remained the same per my COVID deferral/ending agreement, a SPOC agent let me know that all those ending COVID forbearance go through underwriting and it would take minimally 45 days to complete this. All this sounded reasonable, so I waited. Shortly after this Caliber conversation, I then learned in late XXXX that my mortgage servicing would move to XXXX, with Caliber holding the note. When I called XXXX ( many times ) to ask about status of the PMI removal they said they would review that and did not have the records and no information. I stated that I have the letter and it should be in my records from Caliber. XXXX said they would review it after they got my records and then later told me they could not 'see ' any records prior to my mortgage being transferred to XXXX for servicing. It is nowXXXX and my account is still inaccessible online. The PMI is still on my mortgage statement/payment. I have to make my payments by phone - and when I call to request a fix a CSA tells me they are working on it, but not before they tell me they are a 'debt collector '. By law XXXX/any services has 60 days after transfer to provide transparency around your mortgage. I am also now being hit with an escrow shortage, an increased mortgage payment. I spend countless hours on hold with no resolution and no information. At times, I have spent 2 hours on hold with no one answering. Who has the TIME to wait like this and then be told they don't have the info and/or they will file an IT ticket or complaint. This is not a good servicer that leaves the consumer in the dark about payments. What I want : access to view my mortgage and terms ; information on what is now a 2nd escrow analysis ( one in XXXX, a XXXX in XXXX ) ; removal of PMI based on my BPOE letter showing increased house value ; transparency around the COVID deferral/no-interest back due amount that should be shown separately from my main mortgage ( I am under same terms as prior to COVID, per my deferral agreement. ) which is now shown as being grouped in with the main mortgage with interest being charged on the combined total amount ( an increase of $ XXXX per month ). ( My total mortgage was {$510000.00} prior to my COVID deferral of 12 months. It is now showing on the paper statements that XXXX is sending as {$520000.00} with no breakout of the missed payments ( PITI ) from the new total mortgage balance. ( Caliber made escrow payments during my COVID forbearance ; any backdue should be tacked to end of loan, or sale/refinance. ) When I ask for clarification or correction from XXXX I am told they dont have my mortgage information prior to transfer, or, that I can file a complaint and they can do an analysis. They are not providing me with information around the details of my mortgage other than 2 paper billing statements and a 'hello/goodbye'/ 'welcome ' letter. XXXX is very simple not following the federal law regarding PMI removal, COVID deferrals and using delay tactics with the additional upfront cost being pushed to me/the consumer, while they take many more months to get information from Caliber and do an analysis. XXXX illegal delay tactics are costing me serious money and stress. At minimum, my interest on the mortgage should NOT be significantly and consistently higher than when I began the COVID deferral ( but it is per the 2 statements I've received ) and with PMI being removed, per law, my mortgage payment should be reduced by approx. $ XXXX {$150.00} per month. I want clarity around the ENTIRE scope/duration of my mortgage, what escrow payments have been made, what has been deferred into a zero-interest account, and the removal of PMI. | null | Caliber Home Loans, Inc. | WA | 98,133 | null | Consent provided | Web | 01/02/23 | Closed with explanation | Yes | null | 6,388,448 |
01/24/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Hi- I closed my loan with XXXXXXXX XXXX on XX/XX/XXXX My servicing was transferred to XXXX prior to the first mortgage payment being made and remained being serviced by XXXX through XX/XX/XXXX. The servicing was then transferred to Freedom Mortgage in XX/XX/XXXX. Shortly after Freedom acquired the loan they stated that my flood insurance coverage was insufficient and put forced gap flood insurance in place at a cost to me close to {$1000.00}. The Flood insurance was acceptable with the originating lender, and the Flood insurance meets XXXX flood insurance requirements, yet Freedom states this isn't correct. Apparently, Freedom adds together the XXXX ( walls in ) replacement cost with the Master Flood insurance replacement cost to establish the replacement cost for the unit, which isn't consistent with XXXX requirements for condo coverage resulting in a large cost to me. I have spoken with Freedom numerous times and they remain steadfast. I need to escalate to get some help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | AZ | 86,442 | null | Consent provided | Web | 01/24/23 | Closed with explanation | Yes | null | 6,480,471 |
12/10/22 | Mortgage | Conventional home mortgage | Incorrect information on your report | null | In XXXX, Huntington Bank put force-place insurance on my home mortgage despite my insurance agent sending them proof-of-insurance two times. I was able to provide proof-of-insurance in XXXX, and the force-placed policy was removed. The escrow account was then adjusted to remove any charges of the force-placed policy. There was XXXX dollars owed for the cancelled insurance, and no net change to my escrow amount as a result.
Despite this fact, Huntington Bank still charged me for the cancelled policy, and then reported me as late to the credit bureau despite me paying on time.
This has happened to me multiple times with this company. | null | HUNTINGTON NATIONAL BANK, THE | WA | 98,103 | null | Consent provided | Web | 12/10/22 | Closed with explanation | Yes | null | 6,305,446 |
01/23/23 | Mortgage | Conventional home mortgage | Incorrect information on your report | null | null | null | PENNYMAC LOAN SERVICES, LLC. | FL | 33,913 | null | null | Web | 01/23/23 | Closed with non-monetary relief | Yes | null | 6,475,798 |
12/27/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | My wife and I applied for a loan modification with Wells Fargo. I lost my job during XXXX and we struggled to pay our mortgage. We were sent out documents and were ordered to make 3 trial payments for 3 months which we paid. We were told that a notary would come to our house to notarize our paperwork but after several attempts they never got back to my wife. Soon after my wife, myself and kids all got XXXX and set us back a month. We finally were able to complete the paperwork and send it in the prepaid XXXX envelope that was provided from Wells Fargo. They never received it and were unable to locate it even though they had the tracking number for it. To this day it was never found and during the process of filing complaints they sold our mortgage and never honored the loan modification. They said they would give us another loan modification which would be {$300.00} more a month than originally quoted. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NJ | 8,234 | null | Consent provided | Web | 12/27/22 | Closed with explanation | Yes | null | 6,366,505 |
01/24/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | Guild Mortgage Company LLC | CA | 92,025 | null | null | Web | 01/24/23 | In progress | Yes | null | 6,480,943 |
01/20/23 | 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 | NJ | 8,332 | null | Consent not provided | Web | 01/20/23 | Closed with explanation | Yes | null | 6,464,545 |
01/22/23 | Mortgage | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | I tried to get a loan and was turned down | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NY | 11,003 | null | Consent provided | Web | 01/22/23 | Closed with explanation | Yes | null | 6,472,059 |
01/21/23 | Mortgage | Conventional home mortgage | Credit monitoring or identity theft protection services | null | Had home sold but would not accept terms and went into foreclosure | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | IL | 60,467 | null | Consent provided | Web | 01/21/23 | Closed with explanation | Yes | null | 6,462,636 |
01/21/23 | Mortgage | FHA mortgage | Problem with a credit reporting company's investigation into an existing problem | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CO | 80,207 | null | Consent not provided | Web | 01/21/23 | Closed with explanation | Yes | null | 6,463,058 |
02/03/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | LD Holdings Group, LLC | CA | 92,307 | null | null | Phone | 02/04/23 | Closed with explanation | Yes | null | 6,526,161 |
01/24/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I am obligated to carry mortgage insurance until I have 20 % equity in my home. I reached 20 % equity in XX/XX/XXXX. I requested to have my PMI removed. After filling out a form and paying a {$150.00} fee on XX/XX/XXXX, I expected to have a response on my request no later than XX/XX/XXXX ( as the form I filled out stated that " Within 45 days of receiving your request if using original value or the completed BPO or appraisal if using current value, we will determine if your loan qualified for PMI removal and provide you a written response. '' Instead, I have received no response and was charged PMI on XX/XX/XXXX. I called ServiceMac ( my mortgage loan servicer ) today and was told they misapplied my {$150.00} payment and that they can not be certain that I will have my PMI charges removed prior to being charged again. I have no insight into how the " fixing '' of the misapplication will affect my loan balance or my right to have my PMI charges removed ( a premium charge that, given my equity cushion, does not create any value for me at this point ). I was told that I would not be given any update on what is happening with my loan for at least a week. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SERVICEMAC, LLC | IL | 60,639 | null | Consent provided | Web | 01/24/23 | Closed with explanation | Yes | null | 6,478,964 |
01/24/23 | Mortgage | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | No matter what kind of loan transactions Ive ever tried to get through Wells Fargo, it was denied. And was easily excepted at other financial institutions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NV | 89,031 | Older American, Servicemember | Consent provided | Web | 01/24/23 | Closed with explanation | Yes | null | 6,474,299 |
01/21/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | NATIONSTAR MORTGAGE LLC | CA | 94,164 | Older American | null | Web | 01/21/23 | Closed with explanation | Yes | null | 6,462,852 |
01/25/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Midwest Loan Services, Inc. | NY | 12,831 | null | null | Web | 01/25/23 | Closed with explanation | Yes | null | 6,483,815 |
01/25/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | ALAMEDA MORTGAGE CORPORATION | CA | 91,304 | null | null | Web | 01/25/23 | Closed with explanation | Yes | null | 6,489,168 |
12/30/22 | Mortgage | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | null | null | null | Dovenmuehle Mortgage, Inc. | MO | 64,030 | null | null | Web | 01/25/23 | Closed with explanation | Yes | null | 6,380,035 |
01/31/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | NATIONSTAR MORTGAGE LLC | CA | 90,220 | Older American, Servicemember | null | Web | 01/31/23 | Closed with explanation | Yes | null | 6,510,150 |
01/31/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | I XXXX XXXX had home mortgage loan with Wells Fargo in XXXX. Im not sure about dates they denied us every time. Do i qualify for compensation from XXXX XXXX settlement. Please let me know XXXX. Thanks | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NC | 27,040 | null | Consent provided | Web | 01/31/23 | Closed with explanation | Yes | null | 6,511,848 |
01/30/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Hi I have several months and several times asking to this bank to remove the private Morgage Insurance because my property has more than 20 % in equity and I sent the recently appraisal of my property to the bank ( about 1 month ago in my online bank account ) I sent several request to get removed the Private morgage insurance that I am paying monthly because I have a conventional credit but bank is not giving me answers, same way in coronavirus time I asked reduce my interest and they skip my request and just the put my debt for coronavirus in my Morgage and never gave me the promotional interest what government was offering although I asked it in that moment, so they never gave me the promotional interest rate and now they are not also giving me any answers!! I am tired of asking answers and they skip it because is not themselves interest, thats unfair!!! I want my interest rate what I asked in that time of 3 % and I want now to remove the PMI!! I need a specific answer to remove the private Morgage insurance because my property is value now in more than $ XXXX and I just had a debt with bank of $ XXXX, a have BIG EQUITIY I dont need to pay anymore the PMI, see attached the appraisal that I sent to the bank about 1 month ago in my loan care account online showing a value of {$400.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | LoanCare, LLC | FL | 32,821 | null | Consent provided | Web | 01/30/23 | Closed with explanation | Yes | null | 6,501,789 |
01/28/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | WELLS FARGO & COMPANY | IL | 62,526 | Older American | null | Web | 01/28/23 | In progress | Yes | null | 6,493,875 |
12/02/22 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | CARRINGTON MORTGAGE SERVICES, LLC | GA | 30,016 | Older American | null | Phone | 12/06/22 | Closed with explanation | Yes | null | 6,272,652 |
01/29/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | MO | 64,089 | null | Consent not provided | Web | 01/29/23 | Closed with explanation | Yes | null | 6,502,616 |
01/25/23 | Mortgage | VA mortgage | Struggling to pay mortgage | null | null | null | MONEY SOURCE, THE | FL | 33,458 | Older American | null | Web | 01/25/23 | Closed with explanation | Yes | null | 6,484,498 |
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 | 53,022 | null | Consent not provided | Web | 01/20/23 | Closed with explanation | Yes | null | 6,464,327 |
01/18/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company believes complaint represents an opportunity for improvement to better serve consumers | Shellpoint Partners, LLC | NY | 11,786 | null | Consent not provided | Web | 01/18/23 | Closed with explanation | Yes | null | 6,453,599 |
01/26/23 | 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 | NY | 10,520 | null | Consent not provided | Web | 01/26/23 | Closed with explanation | Yes | null | 6,492,406 |
01/25/23 | 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 | PA | 18,434 | null | Consent not provided | Web | 01/25/23 | Closed with explanation | Yes | null | 6,484,687 |
01/22/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | I was forced to sell and received nothing due to wells Fargo scamming me out of my home.
ADDITIONAL COMMENTS Wells Fargo has not addressed my specific complaint to the XX/XX/XXXX Hurricane Irma relief email they sent to me ( I have original Email ). They keep going to a XXXX XXXX disaster help that I DID NOT USE. There was NO hurricane inXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are also stating that they tried to contact me with an out dated phone number. I have had the same phone number since XXXX and included this number in emails sent ( I have original emails with phone number included ). On XX/XX/XXXX I received email from XXXX XXXX saying they were my new loan officer, I responded with email and NEVER was contacted by her. Wells Fargo states they tried to contact me on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, again I have had the same phone number since XXXX I was not contacted via email or message left on my phone. On XX/XX/XXXX there was no such trial payments discussed with me. The information sent to me in XX/XX/XXXX is null and void due to the fact there was NO HURRICANE IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not use the disaster assistance until XX/XX/XXXX for hurricane XXXX that hit in XXXX XXXX XXXX I was contacted in XX/XX/XXXX by XXXX XXXX and or XXXX XXXX telling me I was in foreclosure because I didn't pay XX/XX/XXXX payment and that my option was try for loan modification or short sale. I applied for loan modification and was approved. I had XXXX do an automatic withdraw for the XXXX months of payments. Shortly after talking with XXXX I received a large package of paper work that I did not understand. So I tried calling XXXX XXXX to ask several questions. I called XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX Without getting a return call to my knowledge. There were NO messages left on my phone. If she made these calls there was no massage left for me to return her call. In reference to the XXXX XXXX XXXX XXXX XXXX calls, still no message left and the paperwork was due back by XX/XX/XXXX. Sometime in XXXX XXXX I heard fro XXXX XXXX the newest loan officer assigned to me, this now makes the XXXX XXXX in less than a year. He informs me that the modification has been tossed out and all I can do is sign house over for short sale. I tried the loan modification again thinking that I had just been approved, he told me a few weeks later i was NOT approved. During this XXXX XXXX time frame my XX/XX/XXXX payment was sent back to me. When I ask XXXX why, he told me it wasn't the full XXXX months in XXXX that I missed and all payments I tried to make would be sent back to me and for me to stop making that payments. And I listened to him. I kept trying to give XXXX XXXX XXXX dollars to get caught up and XXXX XXXX told me it wasn't enough. Now I don't know why because I only missed XXXX payments of XXXX. I paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX. So I don't understand that either. I do not believe that this should be closed. None of what Wells Fargo did to me was correct. I have had to sell my house to try and get out from under the stress from this. My loan amount was XXXX. I sold my house for XXXX. Wells Fargo added so much XXXX to the final payment that I ended up paying them over XXXX and got NOTHING absolutely NOTHING for the sale of my house. I'm not done with this | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NC | 28,734 | null | Consent provided | Web | 01/22/23 | Closed with explanation | Yes | null | 6,469,436 |
01/29/23 | Mortgage | VA mortgage | Trouble during payment process | null | null | null | NATIONSTAR MORTGAGE LLC | GA | 30,016 | Servicemember | null | Web | 01/29/23 | Closed with explanation | Yes | null | 6,503,228 |
01/04/23 | Mortgage | VA mortgage | Struggling to pay mortgage | null | null | Company believes it acted appropriately as authorized by contract or law | Village Capital & Investment LLC | TX | 79,912 | Servicemember | null | Phone | 01/24/23 | Closed with explanation | Yes | null | 6,399,127 |
12/30/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Loan # XXXX We wish to complain against Roundpoint Mortgage who is holding the final {$22000.00} of our insurance claim with unnecessary delays to the point that it risks the termination of our current construction of our house with our contractor. We have spent all of our personal savings to prevent a pause in reconstruction.
We present the following timeline of facts as evidence of this complaint.
XX/XX/2022 through XX/XX/2022. - We had a pipe leak that resulted in damage to our property. We filed the proper claim through our insurance provider ( XXXX XXXX claim XXXX ) ; solicited bids for work ; initiated construction ; and received a check for the claim that was endorsed to our mortgage company at the time ( XXXX XXXX ) ; approximately of the claim was released by XXXX. Per our contract with XXXX, we paid a large initial deposit to purchase raw materials and initiate construction, and weekly payment range between $ XXXX {$10000.00} depending on the amount of the work completed the prior week.
XX/XX/2022 - XXXX notified us that our loan had been transferred to Roundpoint.
XX/XX/2022- Roundpoint notified us as new servicer of mortgage via email.
XX/XX/2022 - Roundpoint website recognized our personal information well enough for me to set-up a personal profile and set-up account.
XX/XX/2022 - XXXX started demolition and reconstruction of our house.
XX/XX/2022 & XX/XX/2022 - XXXX made phone calls to customer service at Roundpoint where he was told that nothing is showing from insurance transfer, but it was merely a matter of time before all funds and necessary documentation would be processed.
XX/XX/2022 XXXX XXXX sent an email inquiry to XXXX ( per website ) that stated : Our mortgage was a transfer from XXXX.
We were mid-insurance claim when the transfer occurred.
Our original insurance check was for {$62000.00} of which XXXX disbursed {$40000.00}.
There should have been a {$22000.00} insurance balance transfer that I can not see or access on my new account.
All of the FAQs that I could see was designed to address setting up from the initial claim, not a transfer of an existing balance.
Please advise.
We have about 2-3 weeks of payments to the contractor before we need to access this money and not be late on payments.
XXXX and XXXX XXXX XXXX phone XXXX We have not received a response from this email to date.
XX/XX/2022 XXXX We sent the following email.
XX/XX/2022 XXXX called Roundpoint and was given the choice between waiting for XXXX documentation to transfer or sending them Roundpoints claim forms, affadavits, etc. XXXX elected to complete Roundpoints process. She made a point of explicitly asking if there was more that we needed to do procedurally on our end.
XX/XX/2022 XXXX sent all documents described.
XX/XX/2022 XXXX XXXX called Roundpoint. She initially talked to XXXX and was transferred to XXXX. She was told that XXXX signature was missing on one page. She was not given an answer when she asked if anyone from Roundpoint would notify or if we needed to perform every action in this process. XXXX stated that the check will be released in a few business days. Again, XXXX made a point of explicitly asking if there was more that we needed to do procedurally on our end.
XX/XX/2022 by XXXX Necessary page with XXXX signature was sent.
XX/XX/2022 XXXX and XXXX Failed attempts to reach Roundpoint by phone after not receiving check as per XXXX.
XX/XX/2022 XXXX XXXX called Roundpoint and reached XXXX who stated that an inspection was necessary. XXXX gave XXXX cell phone number who is a public educator on break who would make himself available XXXX for an inspection. She was told that an inspector would call in 2-5 days. Again, XXXX made a point of explicitly asking if there was more that we needed to do procedurally on our end.
XX/XX/2022 XXXX XXXX received a call stating that an inspector would be calling him soon.
Since then, we have not received a call from an inspector, the check, nor any correspondence explaining additional requirements necessary to receive our funds.
We are also out of savings and are at risk for having the reconstruction of our house halted for nonpayment. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | RoundPoint Mortgage Servicing Corporation | CA | 92,057 | null | Consent provided | Web | 01/19/23 | Closed with explanation | Yes | null | 6,379,986 |
01/12/23 | Mortgage | Other type of mortgage | Trouble during payment process | null | Wells Fargo re-instated my loan in XX/XX/XXXX, after XXXX years of unsuccessful attempts.
In XXXX I made a lump sum payment to bring my loan current. Wells Fargo did not apply that renovation loan money to my past due. Nor did they inform me how the XXXX would be applied. After XXXX years of disputing the issue, they agreed to reinstate the loan.
Yet they never waived the penalties or interest ( ALL CAUSED BY HAPPILY TAKING MY XXXX, yet applying non to my past due balance ).
I have made on time payments again since XX/XX/XXXX.
As of XX/XX/XXXX Wells Fargo has taken the unpaid months and added XXXX to my principal balance.
All of the fees for the XXXX years should be waived due to their error. Should also be waived for they never wanted to reinstate the loan during the XXXX year ( XXXX ) time frame.
Reasoning is I own in a Gentrifying zip code. my property value has shot up XXXX in XXXX years. I have news articles if the large parcels being assembled in my area and sold to a specific individual. It was developer XXXX XXXX who brought a legal case, that shed light on the matter. Because he was promised the foreclosure lots/homes/parcels, and they were given to someone else.
I am asking that these XXXX years of fees/penalties/missed payments, are not added into my principal XXXX months after this matter was supposedly settled.
I am also asking to be compensated for I have read Wells Fargo has settled a CFPB case and individuals who were financially harmed would be made whole.
All of this started when Wells Fargo Emailed me that there Renovation department was closing and the money I had not yet used, would be taking back.
This is Renovation money for a Primary Residence I can still not live in to this day.
These situation on a whole has ruined my credit, and I can not finish my home. only pay the mortgage. IF there renovation department didn't close, I have been wronged. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | GA | 30,016 | Servicemember | Consent provided | Web | 01/12/23 | Closed with explanation | Yes | null | 6,431,471 |
01/22/23 | Mortgage | Other type of mortgage | Trouble during payment process | null | I was a consumer with Wells Fargo regarding my mortgage from XXXX to XXXX ( when my loan was transferred. ) During my time with WF I had applied for home assistance, provided all required documents and was denied payment assistance.
In the beginning, when the loan was originated, WF loan officer assured me I qualified for a 30 year fixed; on the day of closing, XX/XX/XXXX, she called me hours before advising for some reason I only qualified for an interested only mortgage. I was upset as I was assured based on my credit score, and down payment I would get a 30 year fixed.
As result of this type of loan I got behind and it was then I asked WF for payment assistance ; I was given the runaround, misinformation from different reps when I contacted customer service until the loan was transferred in XXXX of XXXX. As a minority homeowner, WF took advantage of me based on XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NY | 10,989 | Older American | Consent provided | Web | 01/22/23 | Closed with explanation | Yes | null | 6,472,567 |
01/20/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Our mortgage was sold to LoanCare in XXXX of XXXX. We immediately received a disbursement from our escrow account from an overage they incorrectly calculated. Our property taxes are due semi-annually and the first analysis they performed they assumed the property taxes were only due annually. In the past 2 months we have had to request 4 more analysis and/or escalations as we have property taxes due XX/XX/XXXX. As of today, XX/XX/XXXX our escrow account is still wrong, we are being sent a second overage check of our escrow account, and our property tax disbursement is still not scheduled until XX/XX/XXXX. Our escrow account is now so underfunded that it is only half of the balance for our property taxes due in less than 2 weeks. On my most recent call they noted that the taxes are handled by the 3rd party vendor and they were not able to do anything for me without a few day wait for the vendor to look at our taxes again. They promised that they would be liable for any fees assessed by XXXX XXXX, but I am not able to get that in writing. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | LoanCare, LLC | OH | 45,227 | null | Consent provided | Web | 01/20/23 | Closed with explanation | Yes | null | 6,465,129 |
01/21/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | OR | 97,624 | null | Consent not provided | Web | 01/21/23 | Closed with explanation | Yes | null | 6,467,130 |
01/22/23 | 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 | TRUIST FINANCIAL CORPORATION | IN | 47,331 | Older American, Servicemember | Consent not provided | Web | 01/22/23 | Closed with explanation | Yes | null | 6,467,753 |
01/19/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Select Portfolio Servicing ( SPS ) mortgage company didnt give me the right principal amount I owe and gives me runarounds after speaking to several representatives and supervisors in loss mitigation..
Im still being charged interest by my mortgage company, SPS, even when I paid/sent in the exact principal amount I owe in advance of at least 30 days. SPS has been withholding information regarding my mortgage that caused me to pay interest. Please reference my documents of Mortgage statements in Question, Copy of mortgage check. Ill explain in detail below Ive been an informed consumer regarding my mortgage recently. My mortgage is a 30 year fixed rate, my maturity date is XXXX/XXXX, and my interest is COMPOUND interest. And my mortgage interest is being charged in the rears. I called my mortgage company, SPS to get the EXACT principal amount I owe the next/following month, so that when I send in this exact principal amount owed, it will be applied and the interest for the next month can not be charged or has to be removed.
I did this for 2 times from period of XXXX and XX/XX/XXXX.
In XXXX, XXXX, when I called and spoke with the SPS representative, XXXX XXXX XXXX / Employee XXXX, on XX/XX/XXXX at XXXX XXXX, I was reassured that the exact XXXX, XXXX Principal Owe was {$660.00}.
Using the payment stub that comes in the mail, where I wrote in where says TOTAL AMOUNT ENCLOSED in the amount of {$2100.00} in check # XXXX. This amount includes my regular mortgage payment of {$1400.00} which includes Interest, Principal, and Escrow for XXXX PLUS the next months principal owe in this case is for XXXX is {$660.00}.
I did the same for XXXX with XXXX exact amount of principal owe.
In XX/XX/XXXX, the exact XXXX, XXXX Principal Owe was {$660.00} when I called and was reassured by another representative -- XXXX on XXXX and confirmed with her supervisor. I again used the payment stub, I wrote in where says TOTAL AMOUNT ENCLOSED in the amount of {$2100.00} in check # XXXX. This amount includes my regular mortgage payment of {$1400.00} which includes Interest, Principal, and Escrow for XXXX XXXX the next months principal owe in this case is for XXXX is {$660.00}.
The only way this does not work is that SPS didnt provide me the exact next/following month principal owe. They are withholding info from me, and legally they can not do this because its my rights as a consumer. Furthermore, other mortgage companies of my friends and colleagues provide this information to them, and they are able not to pay interest, and their maturity date goes down by 1 month everytime they send in the exact next/following payment.
I called back on/after XX/XX/XXXX to check on my maturity date ( to ensure their system has a chance to balance and update ), its still the same at XXXX/XXXX which means that Im still being charged interest for XXXX even though they have received payment ahead of time.
Because I was given the wrong XXXX exact principal owe by their own SPS representative, I asked to speak to supervisor so I can get this accurate exact #.
I was reassured that the XXXX principle owe is accurate and correct of {$660.00}. When the statement comes in, its incorrect #, it should have been {$660.00}.
I was reassured that the XXXX principle owe is accurate and correct of {$660.00}. When the statement comes in, its incorrect #, it should have been {$660.00} If they had given me the exact correct following principal owe for XXXX and XX/XX/XXXX, then I wouldnt have to pay interest respectively for XXXX XXXX & XX/XX/XXXX. And this can be confirmed by my mortgage maturity date decreased by 1 month each time. Hence, in XXXX, my new maturity date should be XXXX/XXXX, and in XXXX, my new maturity should be XXXX/XXXX. As you can see, this didnt happen, my maturity date is still the same XXXX/XXXX. This means legally, I would still have to make payments until XX/XX/XXXX unless I refinance into another company, or pay the mortgage off in its entirety before then, or when the amount of money I send in for extra payments meets/equals to the mortgage balance. This does not give me the ability to save on interest ( not pay interest ) as much as possible if I send in the next/following months principal owe WHENEVER Im able.
In the timeframe of XXXX XXXX to XX/XX/XXXX I had to call 8 to 11+ times to even get the following months principal amount. I have been getting major runarounds both by various representatives and 2-3 supervisors even those that work in the loss mitigation department. I verified that all the calls were recorded, especially the dates that they told me the exact principal amount. I believe it was on XX/XX/XXXX & XXXX.
SPS is withholding information, giving me the runaround by NOT providing me the Exact next /following month principal owe that I legally have the right to know regarding my mortgage and save on my interest.
For which this was not done, and was even told by a supervisor, you can just send in ANY amount to principal and even if you send in the exact amount of principal owe, SPS cant not legally update my maturity date. This is just incorrect information.
I tried to work this out with SPS, even have XXXX XXXX with 3rd party permission to speak to SPS on my behalf while I was on the phone to further explain to them that he and his friends were able to get this done with their mortgage company, but unfortunately I had to resort to file a complaint through Consumer Financial Protection / Consumer Protection Bureau.
Incorrect info Ive received : Theres no way we know or have the followings month principal you owe until you make this months payment Cant legally change/update your mortgage maturity date even if you send in example principal owe Because your loan was modified, we dont have the next principal amount to give you and we cant give you an amortization schedule either You can just send in ANY extra principal amount ( in order for not to be charged interest, one must send in the EXACT next month 's principal owe ) Other banks may be able to change the maturity date but SPS cant even when I shared with other colleagues banks were able to do this. Supervisor XXXX in the loss mitigation department on XX/XX/XXXX around XXXX XXXX ( employee ID XXXX ).
SPS can not legally withhold information pertaining to my mortgage or delay from me, causing me to pay interest otherwise could have been avoided.
See attachment pdf of : Mortgage statements, Maturity Date, and Check paid/send to SPS MORTGAGE COMPANY ( SPS ) : SPS Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : XXXX Customer service : XXXX | Company believes it acted appropriately as authorized by contract or law | SELECT PORTFOLIO SERVICING, INC. | NC | 28,078 | null | Consent provided | Web | 01/19/23 | Closed with explanation | Yes | null | 6,452,484 |
01/21/23 | Mortgage | VA mortgage | Trouble during payment process | null | Subject : Complaint against Newrez Mortgage Company for Poor Communication and Lack of Assistance by Team Member XXXX XXXX To Whom It May Concern, I am writing to file a complaint against Newrez Mortgage Company for their poor communication and lack of assistance in a timely manner, specifically by team member XXXX XXXX. I have been trying to work with the company to resolve an issue with my mortgage and have consistently been met with unresponsiveness, lack of interest, and poor communication by XXXX XXXX XXXX.
I have attempted to reach out to the company through phone calls, emails, and letters, but have received little to no response. When I do receive a response, it is often delayed and inadequate. I have also made multiple attempts to reach out to XXXX XXXX XXXX specifically, but have been met with the same lack of interest and poor communication.
As a result of this poor communication and lack of assistance, I have been unable to resolve my issue with my mortgage and am left feeling frustrated and disheartened. I strongly urge the Consumer Financial Protection Bureau to take appropriate action to address this issue and ensure that Newrez Mortgage Company improves its communication and assistance to its customers.
Thank you for your time and attention to this matter.
Sincerely, | Company believes complaint represents an opportunity for improvement to better serve consumers | Shellpoint Partners, LLC | FL | 32,763 | Servicemember | Consent provided | Web | 01/21/23 | Closed with explanation | Yes | null | 6,468,280 |
01/23/23 | 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 | 90,061 | null | Consent not provided | Web | 01/23/23 | Closed with explanation | Yes | null | 6,477,463 |
01/23/23 | Mortgage | VA mortgage | Trouble during payment process | null | null | null | NATIONSTAR MORTGAGE LLC | IL | 61,024 | Older American, Servicemember | null | Web | 01/23/23 | Closed with explanation | Yes | null | 6,477,683 |
01/18/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | The previous servicer ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) received a wire for {$49000.00} on XX/XX/XXXX. My loan was transferred to another company ( Specialized loan servicing ) on XX/XX/XXXX, XXXX keep stating they do not have funds. Specialize loan servicing is refusing to communicate with XXXX ( the company they purchased my loan from ). They refuse to reach out to there servicing transfer dept. or cashiering department to have these funds applied to my loan. Specialize loan state I need to show them proof but they need to get it from XXXXthe money source, they received the money. I have been trying to get XXXX to send the funds to the new company for almost XXXX months now. I called the XXXX today, XX/XX/XXXX, now they are telling me they still have not wired the funds when multiple managers assure the funds had already been sent to new company. ( stated they wired your company the {$49000.00} that was received by them. Below is the bogus wire info from there rep. ref # XXXX confirmation # XXXX I need these funds posted to my loan. None of my funds need to be applied the inspection and XXXX fees, its not valid and you all and the previous company are investigating. The funds will bring my loan current plus payment for XXXX future months, use funds to cover my escrow shortage, then place remaining funds in unapplied.
In additional, XXXX has legal fees and inspection fees when I was on the XXXX then tried to get mod sent with updated dates. I was protected by the Cares Act, there is no reason my loan should have gone into foreclosure, I kept constant contact.
You all need to do your job and reach out to XXXX. You both have me playing the middle guy when yall need to communicate. WHERE IS THE {$49000.00}?!? | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Specialized Loan Servicing Holdings LLC | GA | 30,213 | null | Consent provided | Web | 01/18/23 | Closed with explanation | Yes | null | 6,447,211 |
01/21/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Wells Fargo charged late fees wrongfully, Placed my full monthly payment as a unapplied payment. Forged loan documents for the loan paperwork. Incorrect application process for a loan modification. Attempted to foreclosure on my home. I had to get an attorney to save my home from foreclosure.They put foreclosure information in the local news papers. After spending nearly {$24000.00} on attorney fees. Wells Fargo lost. We were able to keep our home but it took all of our savings.When my credit recovered from situation, We we're finally able to refinance with a reputable company. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | MI | 49,665 | null | Consent provided | Web | 01/21/23 | Closed with explanation | Yes | null | 6,466,649 |
02/08/23 | Mortgage | FHA mortgage | Closing on a mortgage | null | Wellsfargo modified my mortgage without my permission XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NY | 11,757 | null | Consent provided | Web | 02/08/23 | Closed with explanation | Yes | null | 6,540,056 |
01/24/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | Ive been late on my mortgage every month for two years. After I re financed My mortgage Wells Fargo went up on my monthly payments 3 times saying I was forcased to not have enough in my escrow.So why this keep happening. Do they know how to calculate? | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | LA | 70,506 | Older American, Servicemember | Consent provided | Web | 01/24/23 | Closed with explanation | Yes | null | 6,474,269 |
01/23/23 | Mortgage | FHA mortgage | Trouble during payment process | null | In 2011 we had an FHA mortgage with Wells Fargo. Our loan payment was increased due to what they described as an escrow shortage but reasons why could not be established. This was done every 6 months for 18 months. We ultimately had to foreclose on our home. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | IL | 60,018 | null | Consent provided | Web | 01/23/23 | Closed with explanation | Yes | null | 6,470,644 |
01/15/23 | Mortgage | Other type of mortgage | Trouble during payment process | null | There have been numerous problems and questions I've tried to get answers to with a legal aid service locally. I've not been able to get answers and I'm now coming to you as my last resort. I went through a divorce from XXXX to XXXX. I was awarded the home in the decree. The mortgage at that time was with XXXX. The balance was less than {$30000.00}. When the load XXXX was done in XXXX, unbeknownst to me when agreeing to it, the balance ballooned to {$50000.00}. No explanation or detail was given to me at that time. Since that time the mortgage was sold to XXXX, then XXXX, then New Rez and currently with Shellpoint. I've questioned each time the balance was transferred, it didn't seem to coincide with what it should be. In XXXX, I finally got an assumption to remove my ex-husband from the mortgage and a new loan XXXX to remove him from the mortgage. I thought at least that part was behind me ( but not the balance issue ). When the mortgage was transferred in XX/XX/XXXX, I discovered that the XXXX was split between my ex and myself. My attorney at legal aid requested they send me a corrected XXXX which they never have. I did receive a letter from New Rez stating his name was taken off, but I'm not sure that is true. I also was told at XXXX time that he was still financially responsible even after I assumed the mortgage. I have my account set up online to make payments and to watch the account. Also when the account went to New Rez, they had documents online concerning the transfer. At that time, I found they mysteriously had fees listed which there should not have been any after the loan mod. No explanation has ever been given for those to myself or legal aid. This has kept me from making any additional payments to bring my balance down. The fees listed are much older and some prior to the divorce!!! In addition to that, I can not see the account activity at all, I try to add my phone number as a contact and after I submit it shows until I refresh the account and it's gone. Lastly, I've spoken to a representative within the last 2 months about these matters not available and she made a comment that my account is not fully set up!! This all leads me to believe that somehow my ex is still on the account which after the assumption he should not be. I feel I've been conned and cheated by these horrible companies. I've read all the reviews of each of them and they all make my skin crawl. I've tried the only legal route I can afford to no avail. My home is all I have and right now, that is even in question. I know this is a lot but I'm so frustrated and tired of dealing with deceptive practices. If needed, I have statements from XXXX that shows there were no fees at time of transfer to New Rez | Company believes complaint caused principally by actions of third party outside the control or direction of the company | Shellpoint Partners, LLC | IN | 46,530 | Older American, Servicemember | Consent provided | Web | 01/15/23 | Closed with monetary relief | Yes | null | 6,441,488 |
01/23/23 | Mortgage | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | null | Original complaint # XXXX my home That I lost is now valued at XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | WI | 54,151 | null | Consent provided | Web | 01/23/23 | Closed with explanation | Yes | null | 6,476,248 |
02/06/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | NATIONSTAR MORTGAGE LLC | NY | 11,434 | null | null | Referral | 02/06/23 | Closed with explanation | Yes | null | 6,537,521 |
01/31/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | We heard there may be a law sued by Wells Fargo. In 1981 we worked out a plan with Wells Fargo to pay our mortgage 6 months on time and they would work out a plan to modify our mortgage. We paid over 6 months and they contacted us shortly prior to XXXX 1981 with no modification the same mortgage with all the back payment and interest due at one time. We were back on our feel but could not do that we were fine with paying it back over time on the tail end etc. But had to way to come up with all upfront. We called customer service and they said too bad and would start foreclosure on us. Many friends with other companies were receiving modifications very favorable but we were floored. The address was XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX and XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | GA | 30,043 | Older American, Servicemember | Consent provided | Web | 01/31/23 | Closed with explanation | Yes | null | 6,510,584 |
01/18/23 | Mortgage | VA mortgage | Struggling to pay mortgage | null | Greetings My husband and I made a payment for our Mortgage to XXXX before the year of 2010. As it was made to our attention, the mortgage company claimed that they never received the payment, but they did receive it! Using a US POSTAL MONEY ORDER for almost & XXXX, an employee I intercepted the payment for their PERSONAL USE! It was traced and came back with a signature on the back and the date! XXXX, denied the claims and continued to charge us for the payment not being received after we repeatedly made contact with them on the incident! This in turn caused my husband and I to file for protection against foreclosure of our home, using the XXXX XXXXXXXX bankruptcy protection! We have received no compensation from XXXX but since then we have moved on from this company and we are in another home. This was the only way to get out of the terms of this condition and we have NEVER RECEIVED ANY COMPENSATION FOR THIS MATTER, AND NOT EVEN A SIMPLE APOLOGY! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | GA | 30,809 | Servicemember | Consent provided | Web | 01/25/23 | Closed with explanation | Yes | null | 6,454,840 |
01/29/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | Bank : Wells Fargo Mortgage # : XXXX I had foreclosure process with Wells Fargo late XXXX.
I think I paid too much fee to Wells Fargo.
I did not contacted by Wells Fargo regarding CFPB 's lawsuit. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 94,582 | null | Consent provided | Web | 01/29/23 | Closed with explanation | Yes | null | 6,503,056 |
01/30/23 | Mortgage | VA mortgage | Trouble during payment process | null | null | null | NATIONSTAR MORTGAGE LLC | TX | 76,904 | Servicemember | null | Web | 01/30/23 | Closed with explanation | Yes | null | 6,505,326 |
01/21/23 | Mortgage | FHA mortgage | Trouble during payment process | null | I purchased my home in XXXX and the next year my howmwoners insurance increased and i didnt catch the increase. I received notice from the insurance company that the policy was going to get canceled. I called the mortgage company because i have my account escrowed and they had not made the payment. When i contacted them they made the payment. They did the mortgage analysis and explained how the process works when changes are made and i have escrow. I was advised that every time i had an increase or decrease the analysis needs to be done. This year XX/XX/2022 i change insurance companys and the property tax increased and the full tax for the second payment wasnt made in full and i have late fees and penalty with that. When i changed insurance companies i asked for the analysis and the person who answered the phone said she didnt know what i was talking about. I tried calling several times and didnt receive an answer. Now they sent me some projection saying i have and defiecency of XXXX and have increased the mortgage payment and that number isnt correct also they have the wrong amount for my escrow payments calculated. I am tired of these people they are unprofessional and i feel like they trying to make me deliquent on my payments and it adversly affects my credit. | Company believes it acted appropriately as authorized by contract or law | Sombrero Capital LLC | OH | 44,128 | null | Consent provided | Web | 01/21/23 | Closed with explanation | Yes | null | 6,466,792 |
01/27/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | NJ | 8,822 | null | Consent not provided | Web | 01/27/23 | Closed with explanation | Yes | null | 6,490,303 |
01/21/23 | 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 | OH | 44,128 | null | Consent not provided | Web | 01/21/23 | Closed with explanation | Yes | null | 6,467,964 |
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 | Ocwen Financial Corporation | VA | 23,220 | Older American | Consent not provided | Web | 01/17/23 | Closed with explanation | Yes | null | 6,447,810 |
01/23/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX, CO XXXX Re : Request to Review Basis for Denial of Loan Modification Account Number : # XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XXXX XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( SLS ), is refusing to follow the guidelines pursuant to XXXX. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct.
I have owned the subject property since XXXX.
Although SLS is my loan servicer, I am unaware of the present lender, which is allegedly a governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/RMA packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled.
Therefore, because SLS has been the designated loan servicer, I am asking that you look into the following issues : | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Specialized Loan Servicing Holdings LLC | CA | 90,210 | null | Consent provided | Web | 01/23/23 | Closed with explanation | Yes | null | 6,476,712 |
01/30/23 | Mortgage | Other type of 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 | NV | 89,117 | null | Consent not provided | Web | 01/30/23 | Closed with explanation | Yes | null | 6,501,254 |
12/29/22 | Mortgage | Home equity loan or line of credit (HELOC) | Trouble during payment process | null | I am filing this NEW Complaint because Wells Fargo Home Mortgage FAILED and/or REFUSED to Answer OR Explain the following things I pointed out in my previous Complaint that was submitted on XX/XX/XXXX > COMPLAINT ID # XXXX As well as this COMPLAINT ID # XXXX that I Submitted on XX/XX/XXXX and closed on XX/XX/XXXX >.Here are the following 3 Points they NEED to Answer Completely and Fully >POINT A ) Qualifying for a Home Equity Account with XXXX XXXX In Wells Fargos XX/XX/XXXX XXXX to me they state that and I quote We have found No evidence of you not qualifying for a Home Equity Account with XXXX '' They found the XXXX XXXX XXXX XXXX account XXXX which was rebooked with a new loan number XXXX and paid in full plus the XXXX XXXX recorded on XXXX XXXX... .The problem with that explanation is this : Wells Fargo FAILED to Explain that Under XXXX XXXX Policy I Could NOT be eligible to apply for a Home Equity Loan as a Borrower in the first place because of these 2 ( TWO ) Reasons >> 1 ) I did NOT have a Checking and/or Savings Account with XXXX XXXX And 2 ) My Income was BELOW their minimum requirements ( The Minimum Income required to Open a Checking OR Savings Account was XXXX a year BUT my gross yearly Income for XXXX was XXXX!!! XXXX XXXX XXXXI NEVER had a Checking and/or Savings Account with XXXX XXXX ! ! My account was and STILL is with the XXXX XXXX XXXX XXXX XXXX North Carolina ( XXXX ). The Account XXXX # XXXX in which the back of the copies of the endorsed processed checks show & Prove this point clearly! ! XXXX XXXX FILES Attached> I was ONLY a Power of Attorney ( POA ) with XXXX XXXX POINT B ) Home Equity portion sold to XXXX XXXX XXXX XXXX In XXXX XXXX XX/XX/XXXX letter to me they state that and I quote We have found No evidence of a Loan being sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a XXXX loan Well here is the Evidence/Documentation XXXX XXXX XXXX FILE Attached> And POINT C ) > They did NOT show me a copy of the Original XXXX XXXX Loan Document that would show my signature as the Power of Attorney IS underneath my XXXX signature therefore proving I was NOT a Primary Co-Borrower. INSTEAD They sent me these Forged Switched copies of the Deed of Trust and the XXXX XXXX XXXX Note> Here is PROOF of Forgery > SEE XXXX FILE Attached> That is just a sample. If necessary I CAN show other examples of this XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NC | 27,597 | Servicemember | Consent provided | Web | 12/29/22 | Closed with explanation | Yes | null | 6,376,037 |
02/13/23 | 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 | MN | 55,446 | null | Consent not provided | Web | 02/13/23 | Closed with explanation | Yes | null | 6,565,265 |
01/22/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | In the past we had trouble paying mortgage and had remodified the mortgage several times paying fees that made no sense.
On our last remodification our mortgage was sold to XXXX without notification or communication of any kind and the remodification was in the middle of the process. We struggled for months trying to do figure out what was happening and communicating with our new mortgage holder the process that we were in prior to the sale from Wells Fargo to XXXX. XXXX was minimal at best with Wells Fargo and they over all optics were that they sold it and didnt care about our process or finances. Things have leveled out and were on track with the new mortgage holder ( XXXX ) but the stress was intense at that time. I would love for someone to investigate unexplained/unexpected fees and determine if Wells Fargo XXXX XXXX nefarious in their process. I felt burned and it left a bad impression on their ways of business. Other friends have also picked up on their reputation and their business model and want nothing to do with them. XXXX glad I know longer have a mortgage with them but left feeling defrauded and uncertain about the money I was paying and being charged.
Thanks for your time XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | IL | 62,239 | null | Consent provided | Web | 01/22/23 | Closed with explanation | Yes | null | 6,471,626 |
01/27/23 | Mortgage | VA mortgage | Trouble during payment process | null | null | null | WELLS FARGO & COMPANY | TX | 75,002 | Servicemember | null | Web | 01/28/23 | In progress | Yes | null | 6,494,583 |
01/24/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | JPMORGAN CHASE & CO. | FL | 33,063 | null | null | Web | 01/24/23 | Closed with explanation | Yes | null | 6,480,036 |
01/20/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | I was behind my mortgage I applied for the XXXX loan modification. I made my three payments and the bank for closed anyways. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | FL | 33,414 | Servicemember | Consent provided | Web | 01/25/23 | Closed with explanation | Yes | null | 6,465,451 |
01/19/23 | 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 | NEW YORK COMMUNITY BANCORP INC | SC | 29,909 | null | null | Referral | 01/19/23 | Closed with explanation | Yes | null | 6,459,339 |
01/19/23 | Mortgage | FHA mortgage | Trouble during payment process | null | Waiting for the mortgage company to apply HAF payments that were sent XX/XX/2022 XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | NEW YORK COMMUNITY BANCORP INC | FL | 33,612 | null | Consent provided | Web | 01/19/23 | Closed with explanation | Yes | null | 6,459,158 |
01/25/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | Select Portfolio Servicing Acct XXXX Because of COVID, I was in forebearance with mortgage company. Forebearance ended in XXXX and I have called them since XXXX, XXXX to get my new payments. This is log of my calls starting in XXXX.
May Under Review XX/XX/XXXX Under review XX/XX/XXXX Under Review XX/XX/XXXX Under Review XX/XX/XXXX Under Review XXXX Under Review XX/XX/XXXX Sent requested hardship letter XX/XX/XXXX, Called in because I could not log in and to check the status and I am told I am not eligible to the repayment of my loan and that I've been referred for foreclosure. I was told by the service rep that SPS approved my repayment XX/XX/2022 and I had a window of XX/XX/XXXX to accept.
So instead of approximately {$1800.00} a month I must come up with {$32000.00} to avoid foreclosure. My problem is that they did not follow their process or were they timely in completing my request for the loan modification and closed the door on me without making any other attempts to advise me of that opportunity. They did not follow their process of notification and they indicated because I am paperless I should have been checking their website. SPS should give me additional consideration since they did not follow their process and I did follow up as much as I thought was necessary.
I am only behind in my payments because as a XXXX in XXXX, I did not receive rent nor could I evict. It does not seem fair that I have to lose my building and home because I complied with state and federal laws and SPS was not transparent or timely in processing my forebearance request.
All I want is to be allowed to accept the plan that was offered that I waited over 7 months to receive. | Company believes it acted appropriately as authorized by contract or law | SELECT PORTFOLIO SERVICING, INC. | IL | 60,649 | Older American | Consent provided | Web | 01/25/23 | Closed with explanation | Yes | null | 6,487,437 |
01/24/23 | Mortgage | Home equity loan or line of credit (HELOC) | Closing on a mortgage | null | I sold my house back in XXXX XXXX I have been owed a reimbursement check I have talked to 3 different agents one her ID was XXXX they talk to fast started reading them, I call and give them my new address they say the will be in the mail, every time no one has a record of me calling, I have went into office locations they won't help, went I to the XXXX branch to get the loan number to file a XXXX help me very nice man told me nothing had been do e the address hadn't be changed, got the account number sent there for about 30 minutes he was trying to fix this for me had 5 minutes to get to work left my number. Have go a call back. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | UT | 84,737 | null | Consent provided | Web | 01/24/23 | Closed with explanation | Yes | null | 6,479,844 |
01/21/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | I did a loan modification and they decided to foreclose on the property I got hud involved and they said they made a mistake and let it slip through the cracks and backed out. They added a lot of money to my loan and a 50 year term. My current mortgage lady told me that was the most fraudulent loan shes ever seen and shes been in the business for 20 years. I sold the house over the summer. Property address XXXX XXXX XXXX XXXX va XXXX. Thanks XXXX XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | FL | 32,244 | null | Consent provided | Web | 01/21/23 | Closed with explanation | Yes | null | 6,468,510 |
01/24/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | In 2013 I had a morgage through Wellsfargo and my home was foreclosed on. Wellsfargo repeatedly told me what to do and what they needed then swiftly foreclosed on my home without providing the help they were promising. I was required several times to fill out the same packet without receiving any information from them. They would transfer me and my account around to different associates whom had no information on prior conversations with other employees | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | FL | 33,407 | null | Consent provided | Web | 01/24/23 | Closed with explanation | Yes | null | 6,479,852 |
01/24/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | Company believes it acted appropriately as authorized by contract or law | SELECT PORTFOLIO SERVICING, INC. | CA | 94,112 | null | Consent not provided | Web | 01/24/23 | Closed with explanation | Yes | null | 6,479,298 |
01/24/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | WELLS FARGO & COMPANY | FL | 33,351 | null | null | Web | 01/24/23 | In progress | Yes | null | 6,479,675 |
02/09/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | Rocket Mortgage, LLC | NJ | 8,831 | Older American | null | Phone | 02/09/23 | Closed with explanation | Yes | null | 6,553,402 |
01/20/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | During a loan modification, due to loss of income because of accident, I made monthly payments of interest only to qualify for loan modification to lower payments. After 6 months of paying on time, I had to add an additional {$20000.00} plus estimated cost to loan and payment was not modified at all and full monthly payments went back into effect of about {$450.00} more per month. I don't understand why to qualify for loan modification of paying interest only on time paying roughly {$450.00} less per month for 6 months added {$20000.00} to existing loan. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | MO | 65,049 | Older American | Consent provided | Web | 01/20/23 | Closed with explanation | Yes | null | 6,465,844 |
01/13/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Schools First directed me to the XXXX XXXX XXXX XXXX. That California state program awarded me {$70000.00} to catch up completely on my mortgage due to covid income reduction. Schools First will not accept the money from the state of California to the point that the State agency has asked me twice to contact Schools First and tell them to accept the money. I have contacted Schools First and they refuse to accept the money to bring my mortgage current. I have been in foreclosure since XX/XX/2022 and have worked extensively with Schools First Loss Mitigation ( called XXXX ) ; they have " lost '' my application more than 10 times, scheduled 4 or 5 short sale foreclosure sale dates, refused to keep me updated, started me over in their process more than 10 times, and added on one ridiculous demand after another ( oh we lost your current bank statement we need 3 months more ), over and over again. All I want is for Schools First to accept the {$70000.00} grant awarded me from the XXXX XXXX XXXXXXXX XXXX and bring my account current. | Company believes it acted appropriately as authorized by contract or law | SCHOOLSFIRST FEDERAL CREDIT UNION | CA | 92,660 | Older American | Consent provided | Web | 01/13/23 | Closed with explanation | Yes | null | 6,430,597 |
01/24/23 | Mortgage | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | Recently we applied for a Home Loan with Veterans United out of XXXX, MO. Upon initial conversation with their Loan Officer. He spoke to us in a very Disrespectful manner. We asked 1 of their Upper Executives for a New Loan Officer. She would not assign a new Loan Specialist for us. We also noticed that our W-2s had been Under Review for at least 2 weeks. We asked the same Upper Executive for answers as to why these things were happening and never got any follow-up from her on our questions. We also were informed that the Loan Amount on our Application was for a XXXX loan. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Mortgage Research Center, LLC | TX | 76,117 | Servicemember | Consent provided | Web | 01/24/23 | Closed with explanation | Yes | null | 6,479,208 |
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 | IL | 60,803 | null | Consent not provided | Web | 01/20/23 | Closed with explanation | Yes | null | 6,465,183 |
01/20/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | In 2004, Wells Fargo gave me a loan on a condo. The loan was for a condo, XXXX XXXX XXXX XXXX in XXXX CA. The condo cost approximately {$210000.00} and the loan amount was around {$400000.00}, with a balloon payment of {$50000.00} after 5 years. I was a beginning XXXX at the time. I was making approximately {$2600.00} a month with a payment around {$1400.00}. I ended up losing the house despite trying to work an extra job. I just couldn't afford the payment and there was no way I was going to have {$50000.00} in 5 years on a XXXX XXXX salary. I was very young and I kept asking how I was supposed to afford this amount. The loan officer just kept telling me I could do it. I would like to lodge a complaint against Wells Fargo and see if I can recover any of the money I lost due to the foreclosure and making a poor XXXX lose her home. Thank you. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | TX | 76,513 | null | Consent provided | Web | 01/20/23 | Closed with explanation | Yes | null | 6,463,625 |
01/23/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | FL | 33,872 | null | Consent not provided | Web | 01/23/23 | Closed with explanation | Yes | null | 6,472,913 |
01/20/23 | Mortgage | Home equity loan or line of credit (HELOC) | Trouble during payment process | null | null | null | PNC Bank N.A. | NJ | 7,755 | null | null | Web | 01/20/23 | Closed with explanation | Yes | null | 6,465,632 |