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01/21/23 | Mortgage | VA mortgage | Struggling to pay mortgage | null | This complaint is to notify Wells Fargo Bank ( XXXX ) that I am part of the XXXX XXXX XXXX CFPB Consent Order, as I was refused a HAMP and VA XXXX modification as XXXX was not conducting these XXXX required modification under TARP protection starting in XXXX through at least XX/XX/XXXX according to XXXX XXXX XXXX XXXX XXXX Mortgage XXXX and XXXX XXXX XXXX XXXX XXXX who provided statement to HUD during investigation Case Number : XXXX v. Wells Fargo Case Number : XXXX NEB XXXX XXXX admitted to not underwriting me for the XXXX and VA XXXX and were found guilty of this by the financial team Promontory Financial they were required to hire under the Independent Foreclosure Review Board ( IFR XXXX .. Wells was required under XX/XX/XXXX, VA Circular XXXX required starting XX/XX/XXXX, was required underwrite my loan, as it said the the servicer " must '' underwrite for both the XXXX and VA XXXX before a foreclosure could be considered! As XXXX did not underwrite they could not ever consider a foreclosure but instead did illegally foreclose on XX/XX/XXXX. Also as XXXX was not the " holder in due course '' of the loan but only " holder of the Note '' as the as custodian of records for XXXX XXXX who gained procession of the Note through XXXX XXXX XXXX XXXX XXXX XXXX placing my loan into their XXXX XXXX XXXX on XX/XX/XXXX. Now because XXXX XXXX XXXX XXXX XXXX XXXX the originator of my VA mortgage loan, failed to deliver and record the Deed of Trust while XXXX owned the loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as the loan was paid off in full when XXXX purchase the loan on XXXX XXXX XXXX XXXX and XXXX had a correspondent agreement which XXXX failed to provide XXXX with a recorded DOT and Assignment of DOT per the correspondent agreement making XXXX not appear in title at XXXX XXXX XXXX XXXX XXXX XXXX, which prevented XXXX from being in title and not having a lien against the property. This issue was address in XXXX XXXX XXXX XXXX, Limit Power of Attorney ( POA ) by XXXXXXXX XXXX XXXX XXXX XXXX, and delivered and recorded on XXXX XXXX XXXXXXXX while XXXX was assigning XXXX XXXX of its Fed Gov Backed mortgage loans to Wells from XXXX XXXX XXXX XXXX XXXX XXXX, but did not include my loan as the DOT was not recorded within the time of ownership violation XXXX XXXX XXXX. XXXX not receiving the recorded DOT and Assignment of DOT submitted and had accepted my loan into their XXXX XXXX XXXX while my loan did not qualify for the pooling because the DOT and Assignment of DOT where not recorded on or before XX/XX/XXXX. As XXXX did illegally deliver and record the DOT on XX/XX/XXXX, it cause a situation were XXXX could never record a Assignment of DOT because after XX/XX/XXXX, XXXX could not XXXX XXXX as the true date of the sale of the VA loan being XX/XX/XXXX, shows that on XXXX XXXX XXXX, that is was impossible for XXXX to have an interest in the loan and was legally unable to record the DOT. XXXX having the Limited POA did not or could not produce a Assignment of DOT as the need of a sale date was needed to determine when in fact ownership changed hands. XXXX had a purchase agreement of XX/XX/XXXX and the court needed to cross reference that date with the DOT which had a stamped recording date of XX/XX/XXXX which is 21 days to late to record the DOT. XXXX stopped existing on XXXX XXXX XXXX never being able to record a Assignment of Deed of Trust and was not longer owner on my VA loan because the company is dead and never in the future can claim ownership because it not returning from the dead! It must be understood that the Note ( not the debt ) has been owned by XXXX XXXX through the XXXX procedure required of all XXXX pooled loans that the Notes be endorsed in blank and relinquish to XXXX as a form of underlying collateral for the securities, however as XXXX is not authorized by US Congress to buy or sell a mortgage loan, get is not owed a debt from me as the did not originate or buy my VA loan! So XXXX, XXXX and XXXX XXXX XXXX law firm XXXX signed the Assignment of DOT by not showing XXXX XXXX XXXX that XXXX was involved in the ownership of the loan as the XXXX needs a reference document in the DOT that is recorded illegally and shows the recording date of XXXX XXXX XXXX but the sale date is XXXX XXXX XXXX making it impossible for XXXX to assign to XXXX. So the XX/XX/XXXX, Assignment of DOT does not mention XXXX as the Successor or Assign when in fact XXXX is the Successor of the loan through the XX/XX/XXXX, sale of the VA loan. Problem XXXX also has is that they on XX/XX/XXXX relinquished the blank endorsed Note to XXXX XXXX and is not the owner of the NOTE! So as a non financially interest party can not place a lien against the property, it is made to look as if XXXX paid a value for my loan on XX/XX/XXXX, over a year after XXXX was declared a " failed bank '' by the FDIC. As XXXX has admitted that it was not the owner of my debt, but is saying that XXXX XXXX is, is an impossible fact as XXXX is not allow by the United States of America to buy a mortgage loan! So XXXX can not after XXXX stops existing grant a assignment to something that shows no proof of purchasing this debt. XXXX not alerted that XXXX purchase the loan debt on XX/XX/XXXX. XXXX does not provide proof of purchase from anyone because no entity on earth purchased the debt from XXXX! Reason also that XXXX refused to modify is there was not debt attached to the property as XXXX could not make the claim while being dead! Also there was a lien ahead of the phony lien that was recorded by XXXX on XX/XX/XXXX, and show the importance of having a lien recorded because without a subordination of the lien the phony lien was in XXXX position! The XXXX of VA was given a cloudy title and turned around and sold the property illegally. XXXX stole my equity in the property with funds given by the Fed Gov at the illegal foreclosure sales! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | GA | 30,248 | Servicemember | Consent provided | Web | 01/21/23 | Closed with explanation | Yes | null | 6,466,819 |
01/17/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | FIFTH THIRD FINANCIAL CORPORATION | CO | 80,121 | null | null | Web | 01/18/23 | Closed with explanation | Yes | null | 6,447,577 |
01/22/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | When I purchased the home in XXXX I was paying less than {$600.00} a month. Then through out the year it would go up sometimes up to {$900.00} or to {$1100.00} a month. I would called them for the increase. There response was escrow when up. I did not understand what they were telling me. I'm a first time buyer. So do not know much about mortgage. The years when by. I noticed my home mortgage payment would not go down. I complained a few times. Would not get a answer. I felt they were keeping my payments and the balance would not go down. On XXXX it showed balance at XXXX. I bought the house for almost XXXX. Where did my payments go for so many years. On XXXX it showed I owned {$95000.00}. Then it was waived on XXXX. Due to Covid. I was having problems making payments. Then started making payments on XXXX. I noticed the balance when back XXXX {$11000.00}. That was the balance when I bought the home. I called and they won't give me answers. I feel they have and still taking more money for m mortgage. I'm behind XXXX XXXX right now. They want me to pay {$3000.00} by XX/XX/XXXX. I don't have the money. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | TX | 79,109 | Older American | Consent provided | Web | 01/22/23 | Closed with explanation | Yes | null | 6,471,611 |
01/22/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I was buying a house in XXXX, Arkansas At XXXX XXXX XXXX XXXX, Arkansas, XXXX.
In XXXX I entered into a Contract of Sale Owned by XXXX XXXX, ( Desease ) XXXX XXXX.
I paid XXXX monthly. This doucement was filed in : XXXX XXXX, Arkansas, on XXXX XXXX.
It is recorded in XXXX XXXXXXXX XXXX XXXX. After making payments fro 5 months.
XXXX XXXX died.
A law firm representing Wells Fargo. By the name of XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas.
Sent me a letter stating that Wells Fargo Had foreclosure on the property .I had 20 day 's to leave the property.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I still feel I was treated un justly.l reached out to Wells Fargo,.
I spoke to XXXX XXXX about this matter.
I never heard from her. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | AR | 71,845 | Older American, Servicemember | Consent provided | Web | 01/22/23 | Closed with explanation | Yes | null | 6,467,349 |
01/27/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | WELLS FARGO & COMPANY | PA | 19,401 | null | null | Web | 01/27/23 | In progress | Yes | null | 6,496,857 |
01/27/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | RUSHMORE LOAN MANAGEMENT SERVICES LLC | FL | 32,097 | null | null | Web | 01/27/23 | Closed with explanation | Yes | null | 6,490,883 |
01/26/23 | Mortgage | FHA mortgage | Trouble during payment process | null | RE : Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This complaint is about how funds were applied to the subject mortgage and why there is a partial claim lien on the property.
I received a grant from XXXX the XXXX XXXX assistance in XX/XX/2022. My mortgage loan was reinstated with {$12000.00} and I was scheduled to receive six months of payments which added up to {$4300.00}. My total XXXX assistance through XXXX the XXXX added up to {$17000.00}. However, it appears, my loan was reinstated prior to receiving the XXXX the XXXX assistance using a partial claim in the amount of {$11000.00} in XX/XX/2022.
I spoke with XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and she has confirmed the XXXX XXXX XXXX monies were paid out to US Bank for my mortgage loan.
Since it appears both monies were applied to my mortgage loan, the math does not make sense on what my balance owed on the mortgage would be given the initial loan amount was only {$100000.00}.
Questions : XXXX ) What happen to the monies from XXXX XXXX XXXX XXXX ( {$17000.00} ) XXXX ) Shouldnt the partial claim lien have been removed from the mortgage account? The reinstatement amount that was given to XXXX the XXXX should not have been so large if a partial claim was used to reinstate the loan. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | OH | 44,142 | null | Consent provided | Web | 01/26/23 | Closed with explanation | Yes | null | 6,492,062 |
01/29/23 | Mortgage | Reverse mortgage | Trouble during payment process | null | Claim department I have forwarded my insurance claim money to the mortgage company and they received it on XX/XX/XXXX as yet XX/XX/XXXX they have not sent me the money that is owed to me and my XXXX. I call almost everyday and get a different answer. They dont communicate if information is missing, I call everyday almost. Mailed to the wrong address, returned, shredded and 5 days to reissue. That was the story on XX/XX/XXXX still not sent or receivedIm beyond frustrated, this has affected my health and well being I not only want this money forthwith I want something for the injustice and their lack of consideration and incompetence. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Finance of America Holdings LLC | CA | 92,220 | Older American, Servicemember | Consent provided | Web | 01/29/23 | Closed with explanation | Yes | null | 6,502,045 |
01/18/23 | Mortgage | Home equity loan or line of credit (HELOC) | 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 | 34,683 | Older American, Servicemember | Consent not provided | Web | 01/25/23 | Closed with explanation | Yes | null | 6,454,767 |
12/28/22 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | CITIZENS FINANCIAL GROUP, INC. | FL | 32,507 | null | null | Referral | 12/29/22 | Closed with explanation | Yes | null | 6,376,378 |
01/21/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | Wells Fargo refused to work with us. Husband had XXXX XXXX we got behind d on payments. Ended up losing our home after being there 10 years. Forced us to do short sale. On top of all the hassle they put us threw our realtors group bought the house a d using for a rental. We lost a lot of money because of wells fargo.XXXX.. please help.. thank you | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | IL | 61,550 | Older American | Consent provided | Web | 01/21/23 | Closed with explanation | Yes | null | 6,467,981 |
01/21/23 | Mortgage | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | null | We applied with Wells Fargo in 4 different occasions in XXXX for loan modifications. We had both a first and a second. Wells Fargo was never responsive and we lost our home | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | ID | 83,303 | Older American | Consent provided | Web | 01/21/23 | Closed with explanation | Yes | null | 6,468,120 |
02/06/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | NATIONSTAR MORTGAGE LLC | MD | 21,207 | Older American | null | Web | 02/06/23 | Closed with explanation | Yes | null | 6,537,624 |
01/20/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | We had a mortgage with Wells Fargo back in XXXX, and the failed to work with us on a loan modification A complaint was filed back in XXXX. I notice that Wells Fargo has a settlement out there, but I was never contacted by them. I do believe I am part of the settlement. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | IN | 46,311 | null | Consent provided | Web | 01/20/23 | Closed with explanation | Yes | null | 6,465,455 |
01/30/23 | Mortgage | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | SUN WEST MORTGAGE COMPANY, INC. | NV | 89,128 | null | null | Web | 01/30/23 | Closed with explanation | Yes | null | 6,504,687 |
01/23/23 | Mortgage | Other type of mortgage | Struggling to pay mortgage | null | I tried to refinance or get a loan modification considering I had difficulty. The amount of paperwork, phone calls and struggles, I was denied every time. They said I did not qualify if I made my payment sin time. The mortgage was {$4300.00} and interest rate was close to 8 %. I ended up loosing the building and forced to sell in a short sale and paying about $ XXXX Wells Fargo for the short sale in XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | IL | 60,645 | null | Consent provided | Web | 01/23/23 | Closed with explanation | Yes | null | 6,474,043 |
01/25/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I closed my bank account. I changed the information in my auto draft. It didnt draft and I was hit with late fees. I called. They said on their end it didnt change but on my dashboard it said it did. Theres no way I couldve known it didnt change on their end. They refused to absolve me of the late fees.
They claimed they changed it on their end and its still not working. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | RoundPoint Mortgage Servicing Corporation | GA | 31,210 | null | Consent provided | Web | 01/25/23 | Closed with explanation | Yes | null | 6,478,740 |
01/19/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Selene Holdings LLC | FL | 33,012 | Older American | null | Phone | 01/19/23 | In progress | Yes | null | 6,459,578 |
01/19/23 | 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 | TX | 77,018 | Servicemember | Consent not provided | Web | 01/20/23 | Closed with explanation | Yes | null | 6,457,442 |
02/13/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Selene Holdings LLC | MD | 21,046 | null | null | Web | 02/13/23 | Closed with explanation | Yes | null | 6,565,162 |
01/31/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) | MN | 56,581 | null | null | Web | 01/31/23 | Closed with explanation | Yes | null | 6,510,853 |
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 | Freedom Mortgage Company | VA | 23,839 | Servicemember | null | Phone | 02/03/23 | Closed with explanation | Yes | null | 6,529,194 |
12/21/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | Wellsfargo wrongfully foreclosed on my property XXXX month later after contracting a loan modification, this happened in XXXX of XXXX. They contested me in court for XXXX yrs, even ended having to file bankruptcy XXXX times in XXXX and XXXX.They never owned up to their wrongful foreclosure proceedings, this lead to emotional and financial distress for my family. Then in XXXX at the point of a sale date for the property, in which I would have lost everything, I had no choice but to accept their astronomical offer. Their predatory lending enforcement has brought great difficulty to my family | 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 | 01/10/23 | Closed with explanation | Yes | null | 6,349,607 |
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 | FL | 33,004 | Older American | null | Phone | 01/23/23 | Closed with explanation | Yes | null | 6,477,459 |
01/09/23 | Mortgage | FHA mortgage | Trouble during payment process | null | Hello my loan service provider is Mr Cooper XXXX. For the last year I have had numerous financial difficulties because of the pandemic. I am currently on the forbearance program with Mr Cooper XXXX. I have applied for the Nebraska homeowners assistance fund. My application was approved and the status right now says communication sent to lender. Nebraska homeowner assistance fund claims they sent communication to sender on XX/XX/XXXX. It has been over a month and my forbearance program ends at the end of this month XX/XX/XXXX. The Nebraska homeowners assistance fund claims that Mr Cooper is not responding to their communication. I have spoken to the compliance department XXXX of issue resolution XXXX XXXX of Mr Cooper on XX/XX/XXXX. She has supposedly talked to her HAF team but the issue is not being resolved. I'm running out of time and I did not want to lose my home. I need Mr Cooper XXXX to respond back to Nebraska homeowners assistance fund with the documents they need so they can make the decision of what they're going to pay. I would appreciate if Mr Cooper lakeside would do their part so this issue could be resolved. | Company believes it acted appropriately as authorized by contract or law | NATIONSTAR MORTGAGE LLC | NE | 68,157 | null | Consent provided | Web | 01/27/23 | Closed with explanation | Yes | null | 6,417,855 |
12/29/22 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | Back in XX/XX/2022 I applied for payment assistance through the Texas XXXX XXXX XXXX also known as TX XXXX. On XX/XX/2022 I was told by TX XXXX that they needed to speak with my lender PHH Mortgage Services to move forward with my application. From XX/XX/2022 until the first week of XX/XX/2022 I had to repeatedly contact PHH and following up with TX XXXX. I was told something different by each person I spoke with. I was initially told they had the application. Then I was told they didn't have it. I was later told they did not have authorization to speak with TX XXXX despite me saying repeatedly I give you authorization to do so. I would later find out what was missing was a 3rd party authorization one single document and PHH never made it clear what was required. I was also told my application had been denied by PHH MTG because I didn't qualify, which was a lie. Finally I got the ball moving after threatening legal action. And after thinking everything was going to be okay I discovered PHH MTG received a {$5800.00} payment from TX XXXX on my behalf on XX/XX/2022. However PHH MTG is denying receiving the payment even after being provided a document from TX XXXX that shows the check number, what day it cleared, the tracing number and who it was sent to. PLEASE HELP ME GET TO THE BOTTOM OF WHAT Phh Mortgage DID WITH THAT PAYMENT. I am uncertain if PHH understands to take gov't funds via wire and not allocate them to the proper account and even deny receiving them is wire fraud. | null | Ocwen Financial Corporation | TX | 76,103 | null | Consent provided | Web | 12/29/22 | Closed with explanation | Yes | null | 6,375,159 |
01/20/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | On XX/XX/XXXX I called Newrez Shellpoint. For some unknown reason my automatic payment that has existed for years was stopped. I was fined for nonpayment in XXXX. I called and made my payment for XXXX and XXXX over the phone. They confirmed my payment. But, it seems Newzez or shell point recorded my bank number incorrectly. They never notified my of the problem. When I called them on the XXXX they said it is the banks job. They fined me again. Their customer service stone walled my questions and concerns.
I have had this montage for years, no late payments. I am emailing my concerns because their phone behavior was outrageous and made me wonder ... ... lAre they targeting 3 % loans, is their training so poor they can be not helpful communication with customers, are they conducting shabby business practices????
My concerns stem from the abruptness of the rejection of the automatic payment ... is this a good audience to target, in addition to their lack of explanation and correcting the problem.
In advance thank you for investigating Newrez business practices.
XXXX XXXX | Company believes the complaint provided an opportunity to answer consumer's questions | Shellpoint Partners, LLC | MI | 48,104 | Older American | Consent provided | Web | 01/20/23 | Closed with monetary relief | Yes | null | 6,456,334 |
01/05/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | Deceptive trade practices, Fraudulent misrepresentations during application process. On XX/XX/2023, I contacted Loan Depot for a refinance. I contacted them based on an advertised rate I found on XXXX. XXXX XXXX was the loan XXXX I was working with. I informed XXXX I was responding to advertisement I found on XXXX. She informed me that she could provide an even better offer if I was well qualified. I agreed to provide all the information she requested. She then proceeded to make me an offer that she presented as far better than what was advertised. I specifically asked her to reiterate the offer. She said I can get a 4.625 % rate on a 15 year fix loan with a {$7000.00} lender credit. I asked her twice to confirm that I heard her correct. She confirmed, but refused to provide an loan estimate unless I did the full application and gave her my credit card. Then I agreed to proceed with the full application. When I received the loan disclosures along with my application for signature, I noticed that there was no lender credit, but rather I was being CHARGED nearly {$25000.00} for points! I objected to this charge, and request the have the XXXX offer instead with zero points. In response, XXXX proceeded to lecture me about how much money I would save with her loan. She is dishonest, deceptive and a flat out liar. She should not be licensed to sell loans. I was conned into proceeding with an application on false pretenses. Luckily her company records all conversations. First, she plainly admitted that the XXXX ad was false to intentionally direct traffic to her company and that they would not honor that offer. Then she proceeded to apply deceptive and fraudulent tactics to overcharge me for points that I specifically and repeatedly told her I didn't want. This kind of behavior erodes the publics trust in institutional lending, is a deceptive marketing practice, and flat out fraudulent. | null | LD Holdings Group, LLC | GA | 30,324 | null | Consent provided | Web | 01/05/23 | Closed with explanation | Yes | null | 6,402,130 |
01/22/23 | 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 | SC | 29,681 | null | Consent not provided | Web | 01/22/23 | Closed with explanation | Yes | null | 6,471,763 |
01/25/23 | 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 | CA | 95,337 | null | Consent not provided | Web | 01/25/23 | Closed with explanation | Yes | null | 6,483,956 |
01/13/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | Rocket Mortgage, LLC | NC | 28,104 | null | null | Web | 01/13/23 | Closed with explanation | Yes | null | 6,440,718 |
01/23/23 | 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 | IN | 47,164 | null | Consent not provided | Web | 01/23/23 | Closed with explanation | Yes | null | 6,474,142 |
01/24/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | WELLS FARGO & COMPANY | NV | 89,014 | null | null | Web | 01/24/23 | In progress | Yes | null | 6,479,676 |
02/01/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | AMERIS BANCORP | GA | 30,016 | null | null | Phone | 02/01/23 | Closed with explanation | Yes | null | 6,519,031 |
01/28/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | WELLS FARGO & COMPANY | CO | 80,104 | null | null | Web | 01/28/23 | In progress | Yes | null | 6,500,200 |
01/25/23 | 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 | MD | 20,707 | null | Consent not provided | Web | 01/25/23 | Closed with explanation | Yes | null | 6,488,053 |
01/21/23 | Mortgage | FHA mortgage | Trouble during payment process | null | They have taken over {$3000.00} of mine just missing off of my mortgage payments they subtract ed more when I complain last time they took {$1900.00} from me last time I complained I want an audit done on this otherwise I'm going to the FBI | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | FL | 33,952 | Servicemember | Consent provided | Web | 01/21/23 | Closed with explanation | Yes | null | 6,466,845 |
01/14/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | NEW YORK COMMUNITY BANCORP INC | IL | 60,615 | null | null | Web | 01/14/23 | Closed with explanation | Yes | null | 6,433,525 |
01/18/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | In XX/XX/XXXX I contacted Freedom Mortgage to see if I could have my PMI removed. I was told I'd pay {$150.00} for a BPO and it would be removed if it qualified. Then I received a letter stating it wasn't eligible for BPO review until after XX/XX/XXXX because I needed to pay 2 years on the house. In XX/XX/XXXX, I again requested a BPO review by secure email. I received a response stating that I would need to pay {$450.00} for an appraisal. When I called, I was told that the fee is {$150.00} and it must be a typo, but then the agent looked further and said that West Virginia is the only state that Freedom Mortgage requires a {$450.00} appraisal and not a {$150.00} BPO. Additionally, Freedom Mortgage states that even if I pay my mortgage down to 80 % of original value, I will have to pay {$450.00} appraisal fee before they will remove the PMI. Why is WV the only state that must pay significantly more to remove PMI? And once I've met 80 % of my original purchase price, how is it not contrary to the Homeowners Protection Act to have to pay {$450.00} for an appraisal just to avoid paying additional PMI? | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | WV | 25,177 | null | Consent provided | Web | 01/18/23 | Closed with explanation | Yes | null | 6,453,354 |
01/27/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | I inherited 25 % of this home from my uncle and own it with my XXXX XXXX XXXX mom and sister. Apparently my uncle and his significant other put a mortgage on the property in XXXX and stopped making payments when he died in XXXX. My mom nor my sister or me signed a note so we do not owe the bank anything. Wells Fargo never contacted my mom or us about the mortgage or the default and started foreclosure. We paid my uncles share of the mortgage in full and paid an attorney to work with the bank and they delayed the foreclosure but did not release the lien. The bank refused to work with me and my sister or the attorney we hired and will not send us information on the mortgage or what is owed. We want to get this lien removed but the bank will not talk to us. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NC | 28,207 | null | Consent provided | Web | 01/27/23 | Closed with explanation | Yes | null | 6,497,018 |
02/10/23 | Mortgage | VA mortgage | Trouble during payment process | null | null | null | CMG MORTGAGE, INC | VA | 23,455 | Servicemember | null | Web | 02/10/23 | Closed with explanation | Yes | null | 6,555,625 |
01/31/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company believes it acted appropriately as authorized by contract or law | SELECT PORTFOLIO SERVICING, INC. | VA | 22,192 | null | null | Phone | 01/31/23 | Closed with explanation | Yes | null | 6,512,110 |
01/26/23 | Mortgage | Other type of mortgage | Trouble during payment process | null | The problem began approx. XX/XX/2022. I had a business loan for {$430000.00} with SPS. My monthly payments were $ XXXX. I had a XXXX % interest rate. For some reason, Select Portfolio Servicing ( SPS ) put money into my checking account ( around {$2800.00} ) that they were not supposed to put in there. I thought it was an escrow overage so I put the money into the stock market and unfortunately, I lost it. Then SPS contacted me to tell me I was behind in my payments. They told me it was not an escrow overage and that they made a mistake putting the money into my checking account and they wanted it back. In XX/XX/2022, I made a double mortage payment of approximately {$5600.00}. However, because my loan is a business loan, they have a default rate of XXXX %. So instead of using that money to catch up on my mortgage, they didn't apply it towards the loan and they sent the payment back to me because I was at default level, which was about {$7000.00} per month instead of {$2800.00}. Since I made the double payment, I believed I was current. I took a business trip to XXXX and I was gone for a month and I was not receiving any mail at my home in XXXX to inform me that I was in default. When I returned to XXXX I advised SPS of these facts but they did not try to help me. I also explained that during the trip to XXXX, my wife and I both contracted XXXX and it affected my earnings. I asked if they could help due to that situation and take me off the default rate so that I could catch up. They explained that it would take a month for them to decide if they would help. I requested that while we were waiting for the one month period if they could take me off the default rate but SPS said they could not do that. So after I waited a month, they declined to help me. Now my situation is worse because now I owe {$14000.00}. I contacted them in XXXX of XXXX five different times to see if they could help me fix this situation but I could only leave messages and no one would call me back. I had to come up with the money which put me in a hardship situation to get out of the default rate. At one point, SPS said they would possibly assist me with getting out of the default rate but they did nothing despite my circumstances. I spoke to a representative at SPS about the double payment and was told that the they should have never mailed that money back to me but should have applied it to the loan. Since I've had a loan with this company, they have taken out double payme nts three times without my permission. If there is something you can do to assist me with this predatory compa ny, I would appreciate it.
Thank you.
XXXX XXXX XXXX XXXX | Company believes it acted appropriately as authorized by contract or law | SELECT PORTFOLIO SERVICING, INC. | CA | 93,455 | Older American | Consent provided | Web | 01/26/23 | Closed with explanation | Yes | null | 6,492,760 |
01/23/23 | 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 | OR | 97,202 | null | Consent not provided | Web | 01/25/23 | Closed with explanation | Yes | null | 6,476,347 |
01/21/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CO | 80,022 | null | Consent not provided | Web | 01/25/23 | Closed with explanation | Yes | null | 6,467,253 |
01/10/23 | 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 | BANK OF AMERICA, NATIONAL ASSOCIATION | MI | 48,221 | Older American | Consent withdrawn | Web | 01/10/23 | Closed with explanation | Yes | null | 6,413,742 |
01/20/23 | Mortgage | VA mortgage | Struggling to pay mortgage | null | RE : Request for Loan Modification for Real Estate Property Dear Wells Fargo Bank, We, The XXXX XXXX, are slowly recovering from our financial hardship.
We have a second Lien Holder ( Deed of Trust ) on the XXXX XXXX XXXX XXXX mortgage XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX advised us to sell our XXXX XXXX XXXX to purchase the XXXX XXXX XXXX XXXX property. The original owners XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX agreed to pay for the vehicle to complete the sale of the XXXX XXXX XXXX property. We agreed to repay them {$80000.00} in installments of {$410.00} via a XXXX XXXX XXXX XXXX Account. The current balance of the Deed of Trust is {$73000.00}.
We are still paying this bill.
Our financial hardship scenario histories are below : My husband received a reduction in income ( salary ) after serving in a temporary promotion position from XX/XX/XXXX XX/XX/XXXX. His salary was reduced from {$120000.00} to {$110000.00} in XX/XX/XXXX. After performing in the temporary promotion position for 3 years, he was demoted. He made many attempts to apply for the full-time permanent promotion that he served in, but he was disqualified and replaced by another candidate who was selected to fill the role of XXXX XXXX XXXX XXXX with the State Department XXXX In XX/XX/XXXX, he received a 2.0 % raise, and his current salary is {$110000.00}.
From XX/XX/XXXX XX/XX/XXXX, we were summoned to court by our rental property tenant over a leaking bay window, HVAC issues, and serious damages and repairs inflicted by the tenant and his pets. We exhausted our savings and retirement accounts appearing in Tenant Assertion Court in XXXX XXXX XXXX, Virginia, paying legal fees to Attorney XXXX XXXX XXXX in the amount of {$20000.00} dollars, and remediating repairs on our rental property XXXX XXXX XXXX, XXXX, Virginia XXXX. From XX/XX/XXXX XX/XX/XXXX, we did not receive any rental income from the tenant XXXX XXXX XXXX XXXX. The tenant vacated the property in XX/XX/XXXX.
The rental property of XXXX XXXX XXXX, XXXX, Virginia mortgage amount is {$1600.00}. This amount does not include the Home Equity Loan ( {$1500.00} ), HOA fees, insurances ( $ XXXX year ) or taxes ( $ XXXX ).
The Home Equity Loan, HOA fees, insurances and property taxes are all separate payments.
Due to our lack of funds, COVID-19, supply chain issues and inflation, it was difficult to secure contractors to repair the rental property. By taking out additional loans, credit cards, and drafting promissory notes, we were able to rectify most repairs from XX/XX/XXXX XX/XX/XXXX. Our rental property has been vacant from XX/XX/XXXX until XX/XX/XXXX ( 1 full year ). The rental property was on the real estate market effective Monday, XXXX XX/XX/XXXX. We asked our real estate agent to conduct a quick sale with only pre-qualified buyers. A quick sale did not occur.
We, the XXXX XXXX, would like to inform you that our rental property has been placed under contract and was effectively sold and finalized on Friday, XXXX XX/XX/XXXX.
The IRS notified us in XX/XX/XXXX that we owe back taxes for XXXX XXXX XXXX for both federal and state governments ( approx. {$10000.00} ). We paid the IRS with the proceeds from the sale of the rental property.
Tuesday, XXXX XX/XX/XXXX, my employment with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was terminated. I was employed from XXXX XXXX XXXX XXXX XX/XX/XXXX and my salary was reduced due to COVID-19. I was ineligible to collect unemployment benefits because my termination letter stated that my performance and conduct were unsatisfactory during my probationary period.
Currently, I am gainfully employed again. I am employed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My employment began on Sunday, XXXX XX/XX/XXXX. My salary income was reduced from {$130000.00} now to {$130000.00}. This was a reduction of approximately {$4000.00} since XX/XX/XXXX.
We would like to request to have our current Wells Fargo loan modified by incorporating the following : 1. We are requesting a reduction in the interest rate. Or 2. Extending out the maturity date of the VA loan. Or 3. Payment Plan to assist with bringing the VA loan current.
XXXX XXXX and I would like to request the lump sum of {$90000.00} to be placed on the end of our current loan and to have our new payment amounts recalculated to make up for the 15 months that we were in forbearance.
We filed an application with the Virginia Mortgage Relief State Program and did not qualify for assistance.
Today, we are submitting five ( 5 ) forms to show a change in our situation : 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 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX benefits this year. The benefit is pending an appeal with her attorney and is expected to be resolved later in XXXX.
Our intentions are to keep our home XXXX XXXX XXXX XXXX, XXXX, Virginia XXXX.
We can not pay Wells Fargo the full lump sum of {$90000.00} from the proceeds from the sale of the rental property because we used the money to pay the contractors who have performed home improvements and renovations to the rental property that sold on Friday, XXXX XX/XX/XXXX ( the debt load from the sale of the rental property to make it attractive ) : 1. Presently, we are still paying down multiple high interest rate credit cards and loans that we incurred while making home improvements renovations on the rental property as an effort to beautify the rental property to sell it faster.
2. We are still paying contractors that we have promissory notes of payment with who performed additional unexpected repairs identified by the House Masters home inspector such as painters, septic, and well water construction repairs.
We are asking to have the lump sum of {$90000.00} placed on the end of our current loan and/or reduce our interest rate and/or extend out the maturity date of the VA loan and/or place us on a special payment plan to bring our VA loan current.
Wells Fargo needs to inform its customers up front and directly in writing the following : When a person sells their rental property, some of the proceeds of the money received from the sale of the home is expected to be applied to any forbearance ( delinquent payments ) immediately. We were unaware of the misleading actions Wells Fargo was planning on doing.
Both of our incomes are anticipating a 4 % annual federal increase in XXXX.
Lastly, we anticipate an increase in our credit scores by the end of XX/XX/XXXX. We paid approximately XXXX creditors.
We want to avoid foreclosure and bankruptcy because this could cause us to lose our federal government jobs and our security clearances. We are willing to work out a solution that benefits both our needs and Wells Fargo Bank Home Mortgages needs.
The current condition of the XXXX XXXX XXXX XXXX property is fair. It requires an estimated amount of {$250000.00} dollars in repair work. Three ( 3 ) geothermal furnaces need to be updated to code, new flooring needs to be installed, new windows and doors need to be installed, roof replacement, a new composite deck needs to be rebuilt, a retaining wall near the pool needs to be reconstructed, privacy and security fencing around the pool needs to be installed, the landscaping needs beautification, the plumbing needs to be updated, and the attic area needs insulation. These are just a few items and not the full list of required repairs. Two months ago, we had a home inspection performed on our primary residence and the home inspection report outlines all the deficiencies ( flaws ) with the primary residence.
Hopefully, you can work with us and propose a flexible solution to assist with the preservation of our home at XXXX XXXX XXXX XXXX in XXXX, Virginia.
Respectfully and Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | VA | 22,192 | Servicemember | Consent provided | Web | 01/20/23 | Closed with explanation | Yes | null | 6,463,934 |
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 | NY | 11,226 | null | Consent not provided | Web | 01/24/23 | Closed with explanation | Yes | null | 6,480,030 |
01/30/23 | 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 | MO | 63,010 | Older American, Servicemember | Consent not provided | Web | 01/30/23 | Closed with explanation | Yes | null | 6,507,223 |
01/23/23 | Mortgage | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | FL | 33,176 | Older American | null | Phone | 01/23/23 | Closed with explanation | Yes | null | 6,475,055 |
01/24/23 | Mortgage | FHA mortgage | Closing on a mortgage | null | null | null | MONEY SOURCE, THE | CA | 94,928 | null | null | Web | 01/24/23 | Closed with explanation | Yes | null | 6,482,679 |
12/21/22 | 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 | MI | 48,836 | null | Consent not provided | Web | 12/21/22 | Closed with explanation | Yes | null | 6,341,181 |
02/08/23 | 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 | CA | 94,805 | Older American | Consent not provided | Web | 02/08/23 | Closed with explanation | Yes | null | 6,540,588 |
02/14/23 | Mortgage | VA mortgage | Struggling to pay mortgage | null | WELLSFARGO STILL HAS NOT ANSWERED MY COMPLAINT VA REP XXXX XXXX XXXX XXXX XXXX SAID VA IS OVERIDDING THE CAP AT 3 LOAN MODIFICATIONS! LETS HAVE A 3 WAY PHONE CALL! DONT CARE ABOUT HOW MANY LOAN MODIFICATIONS WERE DONE! WELLS RESPONDED BACK WITH NOTHING THAT I HAVE REQUESTED! AM A VETERAN LOAN MODIFICATION CAN BE DONE! SEE PROOF OF ANOTHER VA LOAN MODIFICATION 4TH ONE! WILL PUT IN STATE COURT! RIGHT THING TO DO IS MODIFY LOAN AND DONT WANT TO BE DISCRIMIATED DUE TO XXXX! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | PA | 19,053 | Servicemember | Consent provided | Web | 02/14/23 | Closed with explanation | Yes | null | 6,570,364 |
02/10/23 | Mortgage | FHA mortgage | Closing on a mortgage | null | XXXX XXXX from Nations Lending from XXXX XXXX Texas started helping me with my home loan on XXXX. Thru out the application she received check stubs, income taxes, my 401 and 402 retirement information plus a copy of my life and death insurances from work. On XX/XX/2023 appraisal was requested and paid {$770.00}, gas meter was in place and paid {$100.00}, a personal home inspection was processed and paid {$250.00} and due to appliances not in place when first appraisal was performed a 2nd appraisal was processed and paid {$250.00}. The builder offered a 3 %, and a {$900.00} incentive and my work offered and gave me a {$8000.00} incentive for first time home buyer. My rental home lease was over XXXX but agreed on paying two more month and now I have to move out by XXXX XXXX. On XXXX XXXX XXXX had for me a conditional loan approval for me to close on XXXX. A day before closing she advised me that my loan was denied. XXXX kept telling me that i was approved thru out the whole process but then found out that I was nott approved day before closing, and if that was the case I would not have so much.
I have lost incentives that were offered to me by the builder and my work, plus home inspection fees and my rental home.
My dream of obtaining a home was crushed and she has caused me to be under emotional distress. I feel violated, misled, angry and emotionally tired.
Builder was advised that some of the walls were deformed, and garage walls patched and visible and I told them that needed to get fixed, then the builder said that nothing else could be done and that is the best they could do.
I feel that due to complaint and wanting fixtures on the home they all got together for me to not get approved a DAY BEFORE closing. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | NATIONS LENDING CORPORATION | TX | 79,907 | null | Consent provided | Web | 02/10/23 | Closed with monetary relief | Yes | null | 6,556,281 |
02/09/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | IL | 61,705 | null | Consent not provided | Web | 02/09/23 | Closed with explanation | Yes | null | 6,552,945 |
01/24/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | XX/XX/XXXX Mortgage Regular Monthly Payment misapplied to late fees ( from 10yrs ago ) ... but payment was exactly recognizable as the mortgage term Regular Monthly Payment.
XX/XX/XXXX upon recognizing Flagstar Bank 's error, I contacted them by phone and requested rep escalate to Management Leadership Team to submit for a refund, or reapply as next due mortgage payment. Case submitted.
XX/XX/XXXX called Flagstar bank for status of case number, status shows " closed '', reason is per over 90-days since payment, as reviewed by " Cash Operations Dept '' ... my response, Regardless of time that has passed, the payment was misapplied to other category, though exactly submitted as matching " Regular Monthly Payment ''.
Flagstar representative quoted CFPB Part 6500 Section 1005.33 which states " incorrect '' amounts of currency received can be applied to category of their choice, However this was NOT an 'Incorrect '' amount, and was exactly " regular monthly payment '' of principal and interest and escrow total.
XX/XX/XXXX spoke with management team 2nd request again to reapply correctly as identifiable regular payment, but request was denied as previously stated over 90-days. Perhaps the issue lies in that the Cash Processing system may not electronically be able to reverse the payment or reapply to other category per over 90-days, but rather than needs to escalate the error correction as a manual refund to sender instead. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | NEW YORK COMMUNITY BANCORP INC | MI | 48,044 | null | Consent provided | Web | 01/24/23 | Closed with explanation | Yes | null | 6,480,621 |
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 | CA | 92,624 | null | Consent not provided | Web | 01/22/23 | Closed with explanation | Yes | null | 6,467,906 |
02/08/23 | Mortgage | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | null | null | null | TD BANK US HOLDING COMPANY | FL | 34,987 | null | null | Postal mail | 02/08/23 | In progress | Yes | null | 6,547,096 |
01/21/23 | Mortgage | FHA mortgage | Trouble during payment process | null | Wells Fargo years ago I was behind on my mortgage I did everything possible to try to make it up when I did get them to work with me I had to resign for XXXX more years and they added XXXX.to my mortgage.my original mortgage loan was XXXX. In XXXX now XXXX years later I still owe XXXX. How is this right. I only got like XXXX months behind when I had XXXX XXXX XXXX XXXX XXXX and my husband lost his job.This can not be right after XXXX years to owe way more than my original mortgage.Please help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | OR | 97,523 | null | Consent provided | Web | 01/21/23 | Closed with explanation | Yes | null | 6,468,961 |
01/14/23 | Mortgage | FHA mortgage | Trouble during payment process | null | Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Valuation performed XX/XX/XXXX This should be obvious to anyone inside of Well Fargo.
XXXX ) The address listed in XXXX XXXX XXXX XXXX.
XXXX ) Wells Fargo Home Mortgage, Home Equity Line, XXXX XXXX ( Checking and Savings ) all have the LEGAL ADDRESSING OF PROPERTY - Currently correct.
XXXX ) I have even looked at XXXX website, they list the home correctly.
XXXX ) The person from XXXX XXXX is to be completely disregarded for not providing a legal document with the LEGAL ADDRESS OF PROPERTY as provided by the XXXX XXXX XXXX XXXX XXXX, The City of XXXX, and many references.
XXXX ) Also to note, the property value can not be consistent with the standard plot of land in the XXXX of XXXX. I went before the XXXX members for XXXX XXXX aa long time ago to address the issue that the plot of land is pie-shaped, and not a rectangle or square plot of land. Hence, the valuation model measured against like properties is incorrect.
XXXX ) Please also look to he details of the XXXX XXXX XXXX XXXX. Their last known valuation was listed at around {$110000.00} not in the range of {$130000.00}.
7 ) Multiple properties in the area are rental properties, including the home directly next door, and at least one more on the street.
I also received a notification regarding XXXX Tax documentation. The best my legal advisor could determine with the program I have at work for XXXX XXXX XXXX. With that considered, I have been a part of that program for over 3 years, and that continues through employment.
To date, I have paid over {$17000.00} to XXXX XXXX none of the funds applied. I have also maintained payment to XXXX of XXXX for the past XXXX months, consistently. This will continue.
As for the process in process for 45 days ( at the time of the last documents sent to me ). XXXX XXXX XXXX had sent a letter Summer XXXX, did nothing then, except for Wells Fargo Home Mortgage in XXXX, MI mailed a Short Sale form indicating the home was eligible for Short Sale..etc. Nothing came to pass.
XXXX XXXX Firm was a no-show at heir Scheduled Court Date XX/XX/XXXX with no notification that I was not to appear. The Clerk in the meeting room I was scheduled to appear in indicated that I was Cooperating with Wells Fargo, and there was no need for a XXXX appearance. For XXXX XXXX, I have been current on payments. Wells Fargo Home Mortgage only returned XXXX small payments less than {$900.00} in total. Currently, Wells Fargo Home Mortgage is in possession of the amounts paid since XXXX XXXX, through the current date.
All along, during any of the Assistance XXXX, no forms were sent to a local branch, a meeting set up with a Notary in an office, and forms verified, signed, and returned. When the home was refinanced, and the Equity Line of Credit signed for, forms were electronically sent to an office, a meeting arranged, and papers signed, and faxed/scanned back to XXXX. This method can be more beneficial to all parties considering XXXX, availability and scheduling of personnel, and following safe office procedures.
XXXX XXXX Wells Fargo FAILURES TO RETURN MONEY WELLS FARGO HAS BEEN TURNED INTO THE IOWA ATTORNEY GENERALS OFFICE SEVERAL TIMES. MOSTLY FOR FAILURE TO MAINTAIN A CORRECT LEGAL ADDRESS OF PROPERLY.
THEIR DISPUTE RESOLUTION SPECIALISTS AND XXXX MANAGEMENT OF CUSTOMER RELATIONS HAVE INFORMED ME AND THE IOWA ATTORNEYT GENERALS OFFICE THAT THE LEGAL ADDRESS IS NOT 1931 N OAK STREET MULTIPLE TIMES YET, THEY CONTINUED TO SEND TO THAT ADDRESS.
DELIVERY GOES TO XXXX XXXX XXXX XX/XX/XXXX TIMES WHEN ADDRESSED IMPROPERLY.
TO DATE, THE LAST PAYMENT THEY HAVE MADE WAS IN THE AMOUNT OF A LITTLE OVER {$2000.00} OF WHICH THERE WAS NO DOCUMENTATION OF WHAT THE CHECK WAS ALLOCATED OR ATTRIBUTED TO OF PREVIOUS PAYMENTS. STILL UNACCOUNTED FOR ARE NON RETURNS OF EVERYTHING ON THE MONTHLY STATEMENTS THAT ARE CLEARLY MARKED UNAPPLIED FUNDS WELLS FARGO HOME MORTGAGE LOAN MODIFICATION PROGRAM WAS SET TO MAKE A FAILURE OF MT FAMILY AT THE TIME, AND THEIR ATTEMPTS AT FORECLOSURE MAY STILL LOOM IN THE BACKGROUND EVEN THOUGH I HAVE A LOAN MODIFICATION FROM XXXX MORTGAGE THAT THE ACCOUNT WAS TRANSFERRED TO.
WELLS FARGO HOME MORTGAGE AND XXXX ARE TIED INTO A COURT CASE THAT WILL NOT GO AWAY XXXX IN XXXX XXXX XXXX SYSTEM ( IOWA ). NO ACTION HAS BEEN TAKEN, THE CASE HAS NOT BEEN REMOVED SINCE XXXX.
WELLS FARGO PROCESSES FOR LOAN MODIFICATIONS FAIL GREATLY. WHEN I REFINANCED ON TIME, THE PERSON IN PENNSYLVANIA SENT DOCUMENTS ELECTRONICALLY TO THE XXXX IOWA WELLS FARGO XXXX AND ALL DOCUMENTS SIGNED IN FRONT OF A MORTGAGE XXXX. WHEN PROCESSING THE LOAN MODIFICATION, HE SAME COURTST DID NOT APPLY. I REPEATEDLY RECEIVED DOCUMENTS FROM MULTIPLE SOURCES, DIFFERENT STATES, AND WAS NOEVE OFFERD TO GO INTO THE LOCAL BRANCH IN PERSON AND SIGN EVERYTHING XXXX TIME. XXXX MORTGAGE SENT XXXX DOCUMENT, WE SIGNED, THEN FAXED AND HARD COPY MAILED TO DOCUMENT, AND THE SECOND VICE PRESIDENT SIGNED OFF ON THE LOAN MODIFICATION WITHIN A WEEK!
WELLS FARGO OWES ME ALL THE UNAPPLIED FUNDS, PLUS ALL LEGAL FEES, INTEREST ACCUMULATED ON THE MONEY IN THEIR POSSESSION IMMEDIATELY, WITHOUT EXCEPTION. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | IL | 61,282 | null | Consent provided | Web | 01/14/23 | Closed with explanation | Yes | null | 6,433,910 |
02/22/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | WELLS FARGO & COMPANY | WV | 25,303 | Older American | null | Web | 02/22/23 | In progress | Yes | null | 6,604,755 |
01/28/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | WELLS FARGO & COMPANY | DC | 20,009 | Older American | null | Web | 01/28/23 | In progress | Yes | null | 6,500,213 |
01/13/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 94,172 | null | null | Phone | 02/15/23 | In progress | Yes | null | 6,430,764 |
02/11/23 | Mortgage | Conventional home mortgage | Closing on a mortgage | null | I started a application with Amerisave mortgage company. On XX/XX/XXXX I sent a text to this company and asked XXXX XXXX to cancel my application and to refund the {$550.00} he asked for. I put it on credit XX/XX/XXXX.
He will not respond to my request, instead he is continuing forward with this mortgage loan. And he has not refunded my {$550.00} back on my card. No appraisal was done with Amerisave. | Company believes the complaint provided an opportunity to answer consumer's questions | AMERISAVE MORTGAGE CORPORATION | IN | 47,404 | Older American | Consent provided | Web | 02/11/23 | Closed with explanation | Yes | null | 6,559,894 |
02/14/23 | 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 | WA | 98,226 | Older American | Consent not provided | Web | 02/14/23 | Closed with explanation | Yes | null | 6,572,807 |
02/10/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | CITIZENS FINANCIAL GROUP, INC. | SC | 29,572 | null | null | Web | 02/10/23 | In progress | Yes | null | 6,558,203 |
01/27/23 | Mortgage | Other type of mortgage | Trouble during payment process | null | null | null | Ocwen Financial Corporation | GA | 30,238 | Older American, Servicemember | null | Web | 02/27/23 | Closed with explanation | Yes | null | 6,495,209 |
02/18/23 | Mortgage | VA mortgage | Struggling to pay mortgage | null | null | null | CARRINGTON MORTGAGE SERVICES, LLC | TX | 77,433 | Servicemember | null | Web | 02/18/23 | In progress | Yes | null | 6,589,055 |
02/14/23 | Mortgage | Home equity loan or line of credit (HELOC) | Trouble during payment process | null | null | null | KEYCORP | CT | 6,278 | null | null | Web Referral | 02/14/23 | In progress | Yes | null | 6,573,324 |
01/24/23 | Mortgage | Other type of mortgage | Trouble during payment process | null | null | null | WCS LENDING, LLC | NY | 10,013 | Older American | null | Web | 02/14/23 | Untimely response | No | null | 6,481,623 |
02/10/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | WELLS FARGO & COMPANY | FL | 33,411 | null | null | Web | 02/10/23 | In progress | Yes | null | 6,555,793 |
02/10/23 | Mortgage | Other type of mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | UNITED COMMUNITY BANK | SC | 29,566 | null | Consent not provided | Web | 02/10/23 | Closed with explanation | Yes | null | 6,555,938 |
02/06/23 | Mortgage | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | null | Request for Assistance in Removing Incorrect Information Credit Report.
I am writing to : XXXX. Requesting that you investigate USAA practices on which households ( by race and zip code ) they granted XXXX XXXX forbearance.
XXXX. Your assistance in removing late payments from my credit file as reported by USAA Bank. In XXXX of 2021, I notified both USAA and XXXX XXXX of a financial hardship because of XXXX. XXXX XXXX promptly replied and placed my accounts in forbearance for ( 3 ) months, then an additional ( 3 ) months. I contacted USAA via phone and letter requesting the same XXXX forbearance request. My account was in good standing and my credit score was over XXXX. Even though USAA had also posted on their website for members to contact them if they were experiencing a XXXX financial hardship, I was treated with very unfairly. Instead of working with me during the hardship, USAA reported late pays, threatened a short sale or foreclosure.
After contacting XXXX XXXX in XX/XX/2021, USAA finally agreed to modify my Loan. I returned to work in XX/XX/2021 and able to resume payments.
I believe USAAs reporting is inaccurate and damaging to my credit score. I have tried to resolve this issue with USAA, but they have been unfair. I am now turning to you for help.
I would appreciate your assistance in investigating this matter and taking appropriate action to correct the inaccuracies on my credit report, as reported by USAA. I have included all relevant documentation, including my original request for XXXX forbearance and my load modification agreement.
Thank you for you time and attention to this matter. I look forward to your prompt response. | Company believes it acted appropriately as authorized by contract or law | UNITED SERVICES AUTOMOBILE ASSOCIATION | MD | 20,715 | Servicemember | Consent provided | Web | 02/06/23 | Closed with explanation | Yes | null | 6,521,767 |
02/07/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Reaching out regarding our property at XXXX. We were contacted through mail to procure flood Insurance from Lakeview. We were out of town due to the Hurricane that impacted our home. Once we were home and received the letter we were 30 days out from the time we needed flood insurance. We procured flood insurance as fast as we possibly could and found that it takes 30 days to kick in since its a flood policy. This is standard for any flood policy. It is impossible for us to get coverage before the 45 days.
My concern is the following - Our home is not in a flood zone. We had to pay {$1000.00} for a surveyor to come out and prove that it is not. They have proven this, now they have to go to FEMA to get the official XXXX. This is standard and take 90-120 days. Again impossible for us to provide in 45 days. Now I have to pay more right after paying {$8000.00} in repairs to our home from a hurricane.
- I opened a flood policy for {$900.00} to simply appease the ridiculous request to get flood insurance. Now Lakeview ha
s told me that they purchased one that starts XX/XX/23 for {$3600.00}. The one we bought doesnt kick in until XXXX because of course this is standard and takes 30 days to kick in.
- When I contact Lakeview to explain how ridiculous this situation is all they can say is there is nothing they can do because it is what the system does.
In summary, this home does not need flood insurance it is not in a flood zone. I understand you have to follow a ridiculous law that is unfair to the homeowner and provide a LOMA which is what we are doing and we procured insurance in the meantime. I have paid enough! All I ask is for Lakeview to not pull an additional policy that goes in effect XX/XX/23 for me to pay as well. This is absolutely insane, and taking advantage of home owners who can not afford to willing throw XXXX out the window for absolutely nothing because again we are not in a flood zone. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | LAKEVIEW LOAN SERVICING, LLC | FL | 33,993 | null | Consent provided | Web | 02/07/23 | Closed with explanation | Yes | null | 6,542,279 |
02/02/23 | Mortgage | Conventional home mortgage | Incorrect information on your report | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | WV | 25,813 | null | Consent not provided | Web | 02/02/23 | Closed with explanation | Yes | null | 6,515,337 |
02/10/23 | 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 | MD | 21,136 | null | Other | Web | 02/10/23 | Closed with explanation | Yes | null | 6,556,763 |
02/09/23 | Mortgage | Other type of mortgage | Trouble during payment process | null | null | null | RUSHMORE LOAN MANAGEMENT SERVICES LLC | SC | 29,710 | null | null | Web | 02/09/23 | Closed with explanation | Yes | null | 6,550,668 |
02/08/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | When I was struggling to pay my mortgage while I was in bankruptcy, I applied for a loan modification and was denied a couple of times. This denial took place around XXXX and XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | AL | 36,575 | null | Consent provided | Web | 02/08/23 | Closed with explanation | Yes | null | 6,546,638 |
02/15/23 | Mortgage | Reverse mortgage | Struggling to pay mortgage | null | null | null | CITIZENS FINANCIAL GROUP, INC. | OR | 97,913 | null | null | Web | 02/15/23 | In progress | Yes | null | 6,576,817 |
02/15/23 | Mortgage | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | CITIZENS FINANCIAL GROUP, INC. | IL | 60,655 | null | null | Web | 02/15/23 | Closed with explanation | Yes | null | 6,576,802 |
02/10/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | Fay Servicing, LLC | CT | 6,357 | null | null | Web | 02/10/23 | Closed with explanation | Yes | null | 6,556,244 |
02/10/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Roundpoint Mortgage didn't transfer my entire escrow balance to my new servicer when they sold my loan. They claim that they issued a check for the difference to me on XX/XX/XXXX. On XX/XX/XXXX, I reached out to Roundpoint Mortgage as i had not received the check. They said since it had been more than 30 days, they would reissue it. I called again on XX/XX/XXXX as I still had not received the check. The customer service representative said they would reissue the check and I should receive it by the end of XXXX. As of today, XX/XX/XXXX, I still have not received the check for {$110.00}. Roundpoint Mortgage has not provided answers as to why. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | RoundPoint Mortgage Servicing Corporation | FL | 32,708 | null | Consent provided | Web | 02/10/23 | Closed with explanation | Yes | null | 6,556,583 |
02/02/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | GUARANTEED RATE INC. | TN | 37,167 | null | null | Web | 02/02/23 | In progress | Yes | null | 6,533,165 |
02/22/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | WELLS FARGO & COMPANY | ME | 4,981 | null | null | Web Referral | 02/22/23 | In progress | Yes | null | 6,603,718 |
02/24/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Freedom Mortgage Company | TX | 75,071 | null | null | Web | 02/24/23 | Closed with explanation | Yes | null | 6,611,886 |
02/15/23 | Mortgage | Other type of mortgage | Struggling to pay mortgage | null | null | null | CITIZENS FINANCIAL GROUP, INC. | OR | 97,132 | null | Other | Web | 02/15/23 | In progress | Yes | null | 6,577,416 |
02/14/23 | Mortgage | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | null | null | null | WELLS FARGO & COMPANY | GA | 30,310 | Older American, Servicemember | null | Web | 02/14/23 | In progress | Yes | null | 6,563,958 |
02/18/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | CARRINGTON MORTGAGE SERVICES, LLC | CA | 94,401 | null | null | Web | 02/18/23 | In progress | Yes | null | 6,588,411 |
02/22/23 | Mortgage | Home equity loan or line of credit (HELOC) | Closing on a mortgage | null | null | null | Real Time Group, Inc. | SC | 29,056 | null | null | Web | 02/22/23 | Closed with explanation | Yes | null | 6,602,387 |
02/22/23 | Mortgage | Reverse mortgage | Closing on a mortgage | null | null | null | AMERICAN ADVISORS GROUP | NY | 11,434 | Older American | null | Web | 02/22/23 | Closed with explanation | Yes | null | 6,596,145 |
02/10/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | COLORADO HOUSING AND FINANCE AUTHORITY | CO | 81,504 | null | null | Web | 02/10/23 | Closed with explanation | Yes | null | 6,556,579 |
02/21/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | null | BSI Financial Holdings, Inc. | TX | 75,098 | null | null | Web | 02/21/23 | Closed with explanation | Yes | null | 6,599,482 |
02/01/23 | Mortgage | Conventional home mortgage | Trouble during payment process | null | My husband and I were forced to refinance our existing mortgage with your company after we fell behind on two payments due to a loss of income. We were threatened repeatedly with foreclosure and out of destitution of losing our home, we signed the paperwork. The refinance fees were astronomical, and our interest rate was outrageous. Our new mortgage payment was over {$2000.00} a month and it was only by the grace of God that we were able to cash out a retirement account to cover the expense. We would end up having to refinance the house again a second time just to get payments that were more manageable. We felt taken advantage of and misguided during this time period. We have not heard from Wells Fargo since the XX/XX/XXXX verdict. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NE | 68,136 | null | Consent provided | Web | 02/01/23 | Closed with explanation | Yes | null | 6,515,783 |
02/07/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | null | PNC Bank N.A. | NY | 11,213 | null | null | Web | 02/08/23 | In progress | Yes | null | 6,540,640 |
02/15/23 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | I lost my house to foreclosure back in 2016, Wells Fargo was supposed to be doing a short sale with me and my attorney that I was paying. And the day of the short sale, Wells Fargo just decided to Fort clothes and take my house from me. I have never gotten any money from any settlements. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | FL | 33,317 | Servicemember | Consent provided | Web | 02/15/23 | Closed with explanation | Yes | null | 6,575,711 |
02/22/23 | Mortgage | FHA mortgage | Struggling to pay mortgage | null | null | null | WELLS FARGO & COMPANY | TX | 77,479 | Older American | null | Web | 02/22/23 | In progress | Yes | null | 6,600,763 |
02/23/23 | Mortgage | Reverse mortgage | Closing on a mortgage | null | null | null | Ocwen Financial Corporation | CO | 80,631 | Older American, Servicemember | Other | Web | 02/23/23 | Closed with explanation | Yes | null | 6,607,695 |
02/17/23 | Mortgage | FHA mortgage | Trouble during payment process | null | null | null | NEW YORK COMMUNITY BANCORP INC | FL | 33,545 | Older American, Servicemember | null | Phone | 02/17/23 | In progress | Yes | null | 6,586,947 |
02/16/23 | Mortgage | Reverse mortgage | Trouble during payment process | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Finance of America Holdings LLC | IN | 47,905 | Older American | Consent not provided | Web | 02/16/23 | Closed with explanation | Yes | null | 6,581,695 |