Date Received: 2021-07-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX I was approved for a modification from Ocwen Loan servicing on my mortgage. I filled out the documentation and faxed it off. They said they never received it and told me I had to start all over in the modification process. For the next 3 years I made appointments with relationship managers, submitted documentation over and over and over again. Each time I would be denied but never told why. In XXXX I applied to a program called Making Homes Affordable that the State of Oregon and OHSI ( Oregon Homeownership Stabilization Program ) offered and got approved. They would help me catch up my mortgage and Ocwen would not send them the total dollar amount needed to catch up the arrears. Ocwen literally played games with both myself and OHSI. By this time I was very close to going over the {$40000.00} limit this program allowed. This drug on into XXXX, I went over the XXXX and Ocwen wouldn't return OHSI 's phone calls, emails etc. Ocwen then sold out to PHH Mortgage/newrez and I have spent the last two years trying to get somewhere with them. I make appointments with relationship managers who have to call me at a time that works for them. Several times I would not get the call or I would get disconnected. The few times I did get to talk to one they offered no answers, no help, just fill out another application and resubmit. The last time I called I got passed around for 45 minutes to different departments and then hung up on. I have documentation going back all the way to XXXX Letters, applications, income documentation, notices stating they need more documentation or the documentation is expired and I have to resubmit, etc. I was told recently I was denied because its more then 90 days past due. It was more then 90 days past due when they purchased the mortgage from Ocwen. They are burring me in my home and for the last 7 years I have tried to get this fixed. XXXX XXXX from OHSI has been helping me since XXXX trying to get this fixed and he also has gotten the runaround. I am now at an accelerated amount of {$280000.00} with the principal balance interest bearing {$140000.00}. I can not get any help, they said they don't have any program to help me because i am 90 days past due. Please help me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: AGAIN IM ON HERE DOING COMPLAINT AFTER COMPLAINT ABD IT DOES NOTHING. THIS GROUP WONT GET OUT OF MY PHONE AND LEAVE ME ALONE!!! PREVENTING ME FROM REACHING MY OWN FAMILY IN XXXX TO TRY AND FIND A PLACE TO STAY AND BECAUSE MY SIS IS A FORMER XXXX XXXX WITH A HUSBAND A XXXX XXXX THEYNOT ONLY PREVENT PICS FROM GOING THROUGH, NOTHE WHOLE MESSAGE! AND DONT THINK THIS IS ISOLATED INCIDENT WHERE YOU CAN SCAPEGOAT BY SAYING IM CRAZY CFPB! WE AS HOMEOWNERS ARENOT XXXX!!! THEY BEEN DOIN THIS ALL ALONG TO ALL OF US! ITS WHY YOU NEVER HEAR DROM US!!! THE OBSTACLE COURSE A HOMEOWNER HAS TO NAVIGATE JUST TO EVEN TRY AND REPORT ANYYHING TO ANY AGENCY THAT GIVES A XXXX YET FIND LEGAL REPRESENTATION FOR THE XXXX XXXX XXXX XXXX IS JUST SAD AND BORDERS ON CORRUPTION! THERRS NO DENYING LOGIC. AN INDUSTRY PROVEN TO RAMPANT WITH FRAUD YEY HARDLY EVER REPORTING OF IT BY HOMEOWNERS. WOW, I GUESS JOB WELL DONE AGAIN. YET RHE CFPB KNOWS THAT IS 100 % WRONG! WERE HERE! WERE BEING SUBJECTED TO ALL KINDS OF FRAUD AND DAMIGING METHODS ON THEIR EFFORT TO COVER UP ABD YOU SIT THERE AND PAT YOUSELF ON THE BACK. ONCE AGAIN A FAILURE TO ALL HOMEOWNERS NATION WIDE.
Company Response:
State: TX
Zip: 78223
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Once again I'm dealing with these wan na be hackers in my phone literally deleting pics I have, stoping me from reporting the fraud I caught phhh mortgage services in and XXXX XXXX XXXX XXXX which is phh and the cfpb sitsback and does nothing. The worse part js these group of people are staged at my house sent by none other than phh mortgage services to literally participate andbleed you out. This shady person named XXXX from phh has actually been in my XXXX residence! At no point should the answer have ever been to send anyone out to myhouse but that is what I'm dealing with day by day. And XXXX this person has literally used the only other person here to try and hold me down taking my phone, taking my keysand keeping so I don't go anywhere at all like I'm in prison and they have the right to do! This person, XXXX XXXX is in stage XXXX XXXX failure and on XXXX and they literally used her. They don't have herbest interest in mind and now she's on her own because I can't trust her after she has sold me put over and over again. Is sad. Literally just sad. I've known this person for over 10+ yrs and now she's non existent. Unfortunately it's not the 1st time. XXXX XXXX was the 1st they reached out to and sold me out. All for a little money and a car. You check the Vin number or license plate number on car in pic in driveway and you'll see belongs to her. Her with bad credit, never had a loan before, or anything. Just like that. I bought her the previous car she had, a XXXX jeep and they literally got her to keep my keys from me so I couldn't do ride share to make the payment. These shady people with the backing of phh mortgage services even made sure to get the repo team to break laws and keep for a time from me getting items from car. XXXX gets repoed. My credit further ruined and the jump in and save the day buy her a car. Then this freaking person WHO SHOULD IN NO WAY BE NEAR OR IN MY HOUSE FROM PHH, starts literally staying with and sleeping with her at my house! On more than one occasion and keeps coming back. Like this is some game! They literally used her and now what? Is he going to take care of her??? WHAT IS THIS! I SIGNED UP FOR A MORTGAGE, PAID IT DILLIGENTLY EVERY SINGLE MONTH ON TIME NOT ONE SINGLE PAYMENT MISSED NOT ONE SINGLE PAYMENT LATE AND THIS IS WHAT I GET! Myown mortgage servicer staging groups of people at my house! Literally following people out in effort to intimadate and ruined this woman 's life. I took care of her. When where she stayed with her dad was unstable I took her in and this XXXX XXXX who is probably married played a game and she's on her own. I can't afford to be around anyone at all especially people that can cause damage since they close to me and basically cuz that's my choice. I will never see her again. I will never want to hear from her again. This is the destruction these mortgage services cause! AND FOR THE LAST TIIME LET 'S BE CKEAR SINCE THE CFPB IS BEING MADE OUT TOBE A JOKE BY PHH MORTGAGE SERVICES. IN NO WAY SHAOE OR FORM DO I WANT ANYONE AT ALL SENT FROM PHH MORTGAGE SERVICES NEAR, CLOSE, IN YES XXXX IN MY HOUSE NOW OR EVER!!!!! WHY DO I HAVE TO KEEP COMING BACK ON HERE ABOUT THESE SAME PEOPLE AND NOTHING IS DONE! Harassment, destroying people 's lives!!!! I didn't sign up for this! I signed up for a mortgage XXXX! I paid it DILLIGENTLY for 10 years and phh mortgage services just up and decides they want me off the books so the staged a default to my home loan and illegally foreclose and sell my home right before my eyes onXX/XX/2019. Then they send these wannabe hackers literally out to my residence to causeeven more damage by pitting the people closest to me against me to help bleed me out! All because they messed up when processing me for mortgage assistanc 1 and it blew up in there face and I'm the one paying for it! This is my life!!!!! NOT A GAME!!!!!! THERRS EVIDENCE EVERYWHERE IT CABT EVEN BEE HIDDEN. PHH PAID OFF THE LAWYER I HIRED TO FILE A LAWSUIT AGAINST THEM SO THAT THEY CAN SWOOP IN AND PAY OFF THE ENTIRE LOAN IN AN ATTEMPT TO HIDE THEIR FRAUD. What's even worse I have to now report XXXXXX/XX/XXXXXXXX for selling me up the river where XXXX possibly get barred. Because he's a CPA and either he sold me out or is going to actually try and use the argument that he didn't notice which is impossible. I'm not like any other case. If XXXX XXXX set the presidence for beating phh at trial, I'm not a case or subset like that case. They are a subset or case like me. Because whereashe had to prove with records, receipts, call logs that he made his trial payments they missapplied but coulnt see where they went, on my statements you see it all. Every miss applied payment and where it's missapplied to, every XXXX overdraft phh does in between mortgage assistance 1 and 2 where they collude with XX/XX/XXXXXXXX which was my bank I had a checking account with to strip me of my equity once the overdraft comes back where after they close then open the next period, every little abd big destruction done to my account and now to me. A mortgage servicer I didn't get to pick causing me to have XXXX for 1st time in life. They know I have XXXX, I even signed an avidavit at one point telling phh of it because they were fishing for any lil reason to justify what even their foreclosure dept saw I was caught in. A tried and true complete homeowners insurance XXXX scheme with a method at the XXXX that has been used in all their fraudulent schemes that they stage and take a homeowners home. And not just phh or any of the fraudulent servicers under the Ocwen umbrella. All if them. I found clear cut evidence of exact same scheme used by a different servicer in a diff state 11 years ago. Like XXXX XXXX, she received the other set of statements than I did. Rember dual statements means dual iterations to what happened, dual time lines and yes, dual statements to! How they do it I'll show on next complaint. I now need to find where I'll be staying. I have XXXX. There's no denying that. People are always my Achilles heel and those close have caused the mist damage. And I never even saw it coming. Which is why I have to stay away. Next time I may not even make it out. This is the destruction and fraudulent acts I'm dealing with all because they committed fraud on me. I paid my mortgage DILLIGENTLY for 10 years on time and phh ruined my whole life. Every single part, every single person in it.
Company Response:
State: TX
Zip: 78223
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I apologize I have filed numerous complaints but the more I look the more I find. Phh mortgage stole XXXX from our escrow account and XXXX insurance can verify it. They actually paid for 2 insurance policies to cover up some of their fraud. I now have two home insurance policies they charged me for. I will attach both policies for you. So they have taken almost XXXX out of our account for homeowners insurance. We want the XXXX they stole mailed certified XX/XX/XXXX and the flood insurance check they are regarding. I have reached out to the attorney general in New Jersey and in Texas. I will file with the police department and forward you the case number. This is the only license they possess that is not surrendered. I want them penalized for stealing more money from us. We discovered about XXXX today in fines. I will paste them beneath. It just makes me nauseated. Our accountant XXXX is essentially going through all the spreadsheets. This is the only license that has not been surrendered. I want it revoked immediately. Below you will see the list of fees and the 2 insurance policies that are currently on our home. That's almost XXXX stolen from us once again. It's heartwrenching. I can not take much more. I have to go to dr tomorrow for my XXXX XXXX and I have been having chest pains. I can not take much more of this! Owner/Entity Name : PHH MORTGAGE CORPORATION Location-Address : XXXX XXXX XXXX Business Name : Zip : XXXX License Number : XXXX City : XXXX XXXX Status : Active State : NJ XXXX policies at XXXX XXXX of them and I am charged almost XXXX. policyholder Name XXXX XXXX Phone ( XXXX ) XXXX Policy Contact Email XXXX Policy Details Policy Number XXXX XXXX XXXX Effective XX/XX/XXXX to XX/XX/XXXX Status Active Premium {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX Coverages Coverage A - Dwelling {$200000.00} Coverage B - Other Structures {$20000.00} Coverage C - Personal Property {$83000.00} Coverage D - Loss of Use {$20000.00} Coverage E - Personal Liability {$300000.00} Coverage F - Medical Payments To Others {$5000.00} Deductibles Wind/Hail {$4100.00} All Other Perils {$2000.00} Policy SearchEnter Payment DetailsReview and submit Policy Information ContinueCONTINUE CancelCANCEL Policy Holder Name : XXXX XXXX Policy Number : XXXX XXXX XXXX Term : XX/XX/XXXX - XX/XX/XXXX Total Premium + Fees : {$1800.00} Outstanding Balance : {$0.00} Minimum Due : {$0.00} Due Date : XX/XX/XXXX XXXXEmail Address : XXXX Payment Plan : Credit Card eCheck Please note : The payment method that has been preselected for you is based on your last payment. If you would like to change how you are paying for your policy, please contact your agent. Any changes to the payment method may result in a change to your premium. eCheck Details *Payment Amount : *Account Number : Edit ACH Account I want them in jail, shut down, lien released and I am about to file for health problems. Below is a list of more embezzlement we found! Until the accountant is done I can only go through so much. There is a lot more to convey to you. XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late feet XXXX XX/XX/XXXX Late XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Long-form XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Longform XXXX XX/XX/XXXX Bad check reversal XXXX XX/XX/XXXX Longform XXXX XX/XX/XXXX XXXX nsf XXXX XXXX XX/XX/XXXX returned check fee XXXX XX/XX/XXXX returned check fee XXXX XX/XX/XXXX return check fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Bad check fee XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Principal curtailment XXXX XX/XX/XXXX Late fee XXXX XX/XX/XXXX Bad check reversal long XXXX I demand the insurance flood check they are keeping from us and the XXXX insurance check now. I want all these fees eliminated asap. I want the lien discarded and a written apology from them. If XXXX maintains his somewhat threatening demeanor, I will send this to the bar. He knows very well he is defending criminals. Get a moral compass! I encountered more spreadsheets with fraudulent account numbers on them and nothing and I mean nothing matches their forged statements. Let me attach them for you. I discovered payments I made in XXXX posted in XXXX. None of the escrow payments are in the accurate year. I have requested 5 times now a copy of the fake nsf checks they have charged us thousands for. I want a copy of them and they are past their 5 day grace period. I require copies of the checks they sent to insurance companies and tax offices. I will attach a copy of the XXXX and XXXX payments made from my escrow that I found in my saved emails. GUESSSSS what? Not one, not one, not one matches. Also, they are hiding XXXX and XXXX spreadsheets from me. I found 5 statements for XX/XX/XXXX and none of them match. Every one of them has a different amount paid. I have not even gotten the bank statements from XXXX in. I am also still waiting on the accountant. Can you imagine what will be unearthed when those come in? I also attached the XXXX escrow theft for you to see. You can clearly see they charged me twice for school taxes. I want that sent to me as well. Certified please. Here is a copy of the illegal XXXX fee they charged me and never reported on our statements. They were just sued in Minnesota for this. Please note : This e-mail message was sent from a notification-only address that can not accept incoming e-mail. Please do not reply to this message. RE : XXXX XXXX XXXX Dear XXXX XXXX This email is to confirm that a payment to Ocwen Loan Servicing, LLC was authorized to be applied to the account referenced above on XX/XX/XXXX. Details regarding the transaction appear below : Payment amount : {$730.00} plus {$10.00} convenience fee. Payment scheduled on : XX/XX/XXXX. Confirmation number : XXXX. I paid it on the XXXX and it shows up on the XXXX so they can impose more late fees. Now they are attempting to blackmail me to compensate them for XXXX second loan. It was released for the identical reason. We had no idea they were stealing from us until we obtained a letter in the mail. The feds closed XXXX down in XXXX and the lien was released in XXXX. Phh mortgage is attempting to make me pay them for it now. That's so unwarranted it's unbelievable. I am not halting till every dime they took is returned, lien released, an apology, and a significant check for all the anguish. When the bank statements arrive and XXXX is completed with accounting I will forward them to you. Have a good day XXXX!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77546
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My mortgage was paid off in XX/XX/XXXX with PHH MORTGAGE. The amount of {$900.00} was left in escrow and was to be refunded to me. PHH mortgage claimed they mailed a check for this amount on XX/XX/XXXX. I have not received that check. On XX/XX/XXXX I spoke with the XXXX in Customer Service and explained the issue.XXXX advised me that I needed to send a fax to the Research Department and request payment verification and a re-issue of the check. I faxed this request the same day. XXXX stated I could not contact the Research Department directly because that department did not have a phone. On XX/XX/XXXX I received a letter from PHH mortgage stating a new check number XXXX will be re-issued shortly. I have not received that check either. Again I contacted PHH mortgage. Tuesday XX/XX/XXXX I called the Escalation Department and spoke with XXXX who took the information and stated she was going to call me back that same day. I have not heard back from her. Wednesday, XX/XX/XXXX I called the escalation department and spoke with XXXX he took the information and advise he was going to call back. I have not heard from him. Thursday, XX/XX/XXXX I called the escalation department and spoke with XXXX and who took the information and advised she would surely follow up and call me back. I have not received any further communication from PHH Mortgage. I have not received my refund check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23236
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX ( The year of the Pandemic ) A document was sent from XXXX ( aka PHH Mortgage Services ) stating I was approved for permanent loan modification so to help me be able to pay my mortgage during my hard times. I was instructed to sign the documents and return them before XXXX XXXX for which I did. My monthly payments were reduced to {$400.00} which I paid on time each month by way of XXXX XXXX as per XXXX instructions. XXXX XXXX I received certified mail with expedited foreclosure documents enclosed filed with XXXX County District Court 133rd. Stating the following : " As of XXXX XXXX -- XXXX XXXX XXXX XXXX monthly payments have not been paid. The amount required to cure the default is {$5700.00}. The total amount to pay off the loan agreement, contract, or lien is {$44000.00}. Notice to cure the default has been sent by certified mail to each respondent who is obligated to pay the underlying debt or obligation. The opportunity to cure has expired. '' The problem is, I had signed a loan modification and were making payments as per our agreement so why are they acting as if they received no replies, or efforts to pay the debt. None of my payments were returned nor were they applied on the debt. When calls were made to XXXX I was told I didn't return my signed mortgage modification which I did within the time frame they instructed. So they resent another mortgage modification form, and I repeated the process and still they claim they didn't receive that signed loan modification documents. I need a third party to investigate for fraud because XXXX XXXX is acting as if I've not attempted to make any payments. Now I'm being threatened by them with foreclosure when I did as XXXX their servicer instructed me. Since they are behaving in a unfair and unjust manner I need someone to do a securitization audit of my mortgage to see if any fraud has taken place.
Company Response:
State: TX
Zip: 77020
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX XXXX for a long-form fee -theft! XX/XX/XXXX XXXX was charged for a late charge. XX/XX/XXXX XXXX was taken for a bad check? just getting started with you, XXXX. XX/XX/XXXX XXXX was stolen for fake insurance once again XX/XX/XXXX XXXX late charge. wow that's impressive XX/XX/XXXX XXXX taken for escrow again-how much can you take in one month and not get caught XXXX? XXXX XXXX for escrow again-hmmmm something is fishy. XX/XX/XXXX XXXX late charges-hmmm just unreal XX/XX/XXXX XXXX late charges XX/XX/XXXX XXXX fee for bad check? we don't write checks XX/XX/XXXX XXXX county tax disbursement-what county? doesn't say. XX/XX/XXXX XXXX to school taxes when you know that is a lie XX/XX/XXXX XXXX for fake hazard insurance-we paid for insurance XXXX XX/XX/XXXX XXXX for fake hazard insurance again XX/XX/XXXX XXXX late fee XX/XX/XXXX XXXX for school taxes again that we were overcharged once again. XX/XX/XXXX XXXX late charges XX/XX/XXXX XXXX for lock changes? what? unreal XX/XX/XXXX XXXX late charges XX/XX/XXXX XXXX principal adjustment- its stealing from us XXXX XX/XX/XXXX XXXX principal adjustment again-stealing XX/XX/XXXX XXXX forbearance fee-what? Remove all of this and release the lien. I am just getting warmed up. Quit wasting my time with your poor defense. If you're going to be an attorney then you need a defense. How can you defend this? You have a commitment to being an attorney if you would like me to print it out and send to you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77546
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Please look at the spreadsheets from years ago and see the fake ones they sent me. You can see for yourself all the numbers they forged and overcharged us for. Our loan does not have a late payment policy or NSF policy so all these fees need to be returned. YOU refuse to answer us on this. LOOK at them, XXXX. So many lies it's unreal. Look at the bank payments I am sending. None of it matches. NONE OF IT! Payments are being applied where ever they want them to appear or they are missing. XXXX representative XXXX will be more than happy to go over the account with you. XXXX XXXX STATEMENTS DO NOT LIE. LOOK AT WHERE THE XXXX DOLLAR PAYMENT IS MISSING AND 8 XXXX PAYMENTS ARE MISSING. THE LOAN PAPERS ARE ATTACHED AND NOWHERE DOES IT SHOW YOU CAN CHARGE ME ANY OF THESE FEES XXXX. NOWHERE. PLEASE PROVIDE ME A PROOF OF OUR SIGNATURE AGREEING TO ALL THESE PHONEY FEES. ALL OF THE FAKE CHARGES IS A CRIME. YOU CAN NOT BE BLIND. JUST BECAUSE YOU REFUSE TO ACKNOWLEDGE IT DOES NOT MAKE IT DISAPPEAR. I AM ATTACHING OUR LOAN AND YOU SHOW ME WHERE THEY HAVE THE RIGHT TO CHARGE FAKE LATE PAYMENTS AND FAKE NSF CHARGES. WHERE DOES IT SHOW YOU CAN CHARGE ME FOR A CHANGE OF LOCKS AND LONG-FORM FEES FOR XXXX XXXX DOLLARS? IT DOES NOT XXXX. WHERE DOES IT SHOW YOU CAN CHARGE XXXX FOR LATE PAYMENTS? EVERY LATE PAYMENT IS FALSE AND I WANT IT REMOVED ASAP. IT'S THOUSANDS OF DOLLARS. I WILL NOT STOP EVER TILL ALL OF THIS IS EXPOSED ON THESE CROOKS. HOW CAN YOU CHARGE MY ESCROW A XXXX MORE FOR PAYING FISD SCHOOL TAXES? YOU DO NOT ANSWER ANYTHING BUT TYPE UNRECONSTITUTED INUENDOS. SO STOP WITH YOUR EDUCATED FAKE THEORIES AND GET SOME GLASSES. I AM EDUCATED AS WELL AND WORK IN THE COURT SYSTEM SO KNOW FOR A FACT WHAT YOU ARE DOING. YOU THINK YOU CAN JUST THROW IN YOUR EDUCATION WITH A SOMEWHAT THREATENING DEMEANOR. IT DOESN'T NOT WORK FOR ME AND I FIND IT LESS THAN ENTERTAINING. YOU HAVE MET YOUR MATCH AND UNLIKE YOU I WORK FOR THE WELL-BEING OF OTHERS NOT THE PAYCHECK. WHEN I TELL YOU THEY ARE STEALING FROM XXXX YOU CAN BANK ON IT. I HAVE NO REASON TO LIE. WHY WOULD I? WHAT WOULD BE THE POINT? SO ALL THE LAWSUITS AGAINST YOU ARE JUST MAKE-BELIEVE? GOOD GRIEF. KEEP RETALIATING AGAINST XXXX AND WE WILL FILE WHISTLEBLOWING. KEEP THREATENING TO TAKE OUR HOME WHEN ALL WE DID WAS REPORT THE THEFT AND YOU WILL FIND YOURSELF IN ALL KINDS OF TROUBLE. ONE MORE FAKE PAYOFF STATEMENT WITH MONEY OWED OR THE COMMENT ABOUT RELEASING OUR DEED TO THE SECURITY INSTRUMENT TO SCARE XXXX WILL CONSTITUTE EVERY ASPECT OF THIS LAW. ( Almost anyone with evidence of fraud or misconduct can be a whistleblower. You do not have to be a current or former employee of the company that engaged in fraud or misconduct. ... )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77546
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XXXX XXXX XXXX I received a letter that I was not approved for a work out plan and I have been impacted XXXX XXXX XXXXXXXX and have been sick. Now, my relationship department called me and told me their was no options for me to save my home at this time. I told them I have a change in circumstances and I emailed my XXXX tax return and I feel like since the restrictions has been uplifted. Now they want to slam me and take my property. And the property is not worth what I owe its only worth {$66000.00} and I was told if I had a change in circumstance which I can start paying my regular mortgage payments since I submitted my XXXX tax return.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX filed judgment XXXX against us even though we had already filed Chapter XXXX and loan was discharged XX/XX/XXXX by XXXX XXXX XXXX United States Bankruptcy Judge
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19464
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A