Date Received: 2022-12-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: When I first bought my home Green Tree was the mortgage company but my mortgage has been sold several times and now it is with Shellpoint and I'm trying to get an equity loan and can't because Green Tree is on my title as the lien holder and they are no longer in business and I need that removed from my title so I can transfer it over to a real estate title and can't because Green tree is no longer in business and can't anyone get ahold of someone from Green Tree to get it removed.
Company Response: Company believes the complaint is the result of a misunderstanding
State: KY
Zip: 42141
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was transferred to Newrez last month of XXXX. I am already having issues with payment portal and the reporting payment history being incorrect. I've sent messages to newrez and I've contacted them via phone. My last payment to newrez was on XX/XX/XXXX thru the payment portal on their website. My payment was never processed and I can't even see record of my attempt on their site. I called my bank to see if there was an attempt to take the payment and there wasn't. Additionally, newrez claims the last payment was XXXX. XXXX. Before my mortgage was transferred to them my XXXX payment was made to XXXX loan so the correct payment history should have transferred. I am on the verge of having a mental breakdown dealing with them please hold this company accountable there are far to many documented complaints
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our mortgage was transferred from XXXX XXXX XXXX to New Rez Finance last month. XXXX XXXX XXXX processed our COVID Forbearance in XXXX and per several conversations and paperwork, the amount ( {$44000.00} ) during the forbearance period would be transferred to the back of the loan. As of XX/XX/XXXX, New Rez took over our mortgage XX/XX/XXXX and XXXX XXXX XXXX did not include the forbearance period amount to the transferred mortgage. Unbeknownst to us, we receive a separate mortgage in the mail by a company called XXXX XXXX service requesting the entire forbearance amount of {$44000.00} dollars without any notification XXXX XXXX XXXX XXXX. Our first mortgage payment to New Rez was submitted on XX/XX/XXXX through bank ACH from XXXX XXXX XXXX XXXX. The payment was processed, cleared and confirmed by XXXX XXXX. Upon logging into my account to make XXXXXXXX XXXX payment, I noticed the XXXX amount was showing not received. I contacted XXXX XXXX and they confirmed there was a tracking number through the treasury, and the payment was received by New Rez on XX/XX/XXXX. XXXX XXXX initiated a dispute for the payment, and I resubmitted another payment to New Rez on XX/XX/XXXX to avoid our credit being impacted. I just logged into the New Rez account and the balance shows we are now owing XXXX and XXXXXXXX XXXX payment. XXXXXXXX XXXX payment was made on the XXXX and withdrawn from our bank account just like the payment made on XX/XX/XXXX. I was purposely waiting for XXXX XXXX period to process prior to making XXXXXXXX XXXX payment, but our account shows no credit to the account for the last payment made. I also firmly believe once our mortgage was updated to reflect our XXXX Veteran tax exempt status, XXXX decided to sell our loan; and they were also dishonest in their process regarding the COVID forbearance. I spoke to New Rez on XX/XX/XXXX when I made the payment which was processed over the phone by an agent. I don't know where the payments are going, but I am not comfortable about this entire process with them. I see incompetence from a company who can not even track mortgage payments they are collecting. This is also straining us financially, and not to mention the additional mental anguish. Please investigate these two companies for unfair mortgage practices. Thank you for your time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My neighbor has imposed continual maintenance problems on me with landscaping the drainage ditch next to my house. The area has my water pipes, a power line for the street light, and some appliances reside along that wall. My insurance agent will just raise my insurance. I believe my house is being flooded with high radio frequency ( RF ) waves, this caused the street light to go out.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Shellpoint Mortgage has issued several Foreclosure notices and late notices on my Account XXXX XXXX XXXX. However, all payments have been made timely and in advance by 60 days, they have misapplied the amounts, and i have made Fax, verbal and XXXX notice to the servicer with abolsolutely no response. I am at a complete loss to next steps other than hiring a law firm. I have provided them copies of all cancelled checks and payments confirming without question i am 100 % correct.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93710
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: A loan was originated with XXXX XXXXXXXX XXXX on XX/XX/XXXX during the height of the XXXXXXXX XXXX XXXX.I was a first time home buyer and was told by my mortgage broker that it would be no problem refinancing later-which was not true due to the XXXX economic collapse and XXXX employment. In XXXX, I began the process of pursuing a loan modification with XXXX and continued to pay my second mortgage with XXXX XXXXXXXX ( XXXX ) .They had done a short term modification for me that was 6 months. After that I attempted to do a permanent loan modification with XXXX for the 2nd mortgage. After several attempts to contact them both by phone and in written correspondence to pursue and secure a modification, they simply stopped responding. ( I found out later that XXXX XXXXXXXX under XXXX had declared bankruptcy in XXXX. ) The next I heard from anyone was that Green Tree Financing was my loan servicer. I tried to contact them and they also didnt respond. The paperwork they sent me did not have any of the original terms of the loan-no clear amount owed and no interest rate. The next statements I received were from Ditech saying that they were servicing my loan-also with no terms, etc Ditech went through bankruptcy twice between XXXX, and they sold the servicing to ShellPoint Mortgage Services who said that XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX now owns my loan. I hired a lawyer who pursued Shellpoint with certified letters to ask for verification of the loan and the letters were received, but never responded to. I then approached the Attorney General of the State of Minnesota and Shellpoint Mortgage finally responded. They also filed the mortgage with the State of Minnesota in XXXX of XXXX, after hearing from my lawyer, but never responded to us directly. There are key pieces in their response letter that are concerning to me : Concerns -Please accept our apologies as due to an inadvertent error, your prior communication was not sent over to provide a timely response- For 10 years? -Why is an assignment, assumption and recognition agreement private? XXXX. What did they pay for the note and is there actual proof that that is the amount owed? -Notice that they registered the mortgage with the state of Minnesota AFTER receiving letters from my lawyer-which they did not respond to at all. I paid through t he 1st mortgage modification. I was never informed of the charge off. Why would a mortgage loan be charged off within a 35 day window of receipt of a payment? Is the asset still in their books as an asset after charging it off and why? There was no attempt to modify the loan or respond at all to my request for a modification, what are the legalities around that? In summary, I question the legality and validity of this lien based on the way I have been treated as a consumer and how much time has passed between communications from the various servicing entities. It currently sits as a lien against the property with no clear path forward and low trust, based on long gaps in communication and no negotiation. I question both the moral and legal behaviors of XXXX, Green Tree, Ditech, Shellpoint and XXXX XXXX XXXX. Thank you for your support in resolving this in a fair and equitable way.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: MN
Zip: 55407
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I believe my property was wrongfully foreclosed on. I have sent a large attachment with correspondence and the following to thetrustee that foreclosued on my property. The pages correspond with the attachments I had sent. There was gross negligence by theemployees and account managers assigned to my XXXX XXXXXXXX and it resulted me in losing my home when i didn't even know there was apending sale. I was unaware of an active sale date of my property and found out about it when the third party showed up at myproperty letting me know they purchased it at the auction. Up until XX/XX/XXXX, I was in communication with my accountmanager assigned to my XXXX XXXXXXXX to fi nalize a trial modifi cation I was approved for in XXXX of this year and had made 6 successful trialmodifi cation payments for. I was in an active modifi cation trial and had made all trial payments. Contradictory information andnegligence for months caused the sale of my home, a sale that I wasnt even aware of was pending. I was in communication with myaccount contact who was following up with the escalations department TWO DAYS PRIOR to the sale which led me to believe my fi lewas still being worked on ; a follow up for something that was submitted to the escalations dept from XX/XX/XXXX for documents that weresubmitted for review by an employee of Shellpoint on XX/XX/XXXX! Again, I dont want to start any legal proceedings, because I believe thiscan be resolved by reversing the sale of the property, and with the information I provided, I believe I have just cause to have thatdone. I will not lose a house thats been in my family since XXXX because of the careless and negligent mishandling of mymodifi cation by Shellpoint and their staff. I have over 60 pages in correspondence that I've printed and notated. I would like theforeclosure rescinded and be given the actual chance to pay back the amount that was owed. I again would never have let my familyhome of 34 years slip through my fi ngers had I known it was in active foreclosure. I request review and resolution to be able to getmy home back. THank you in advance
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: CA
Zip: 91201
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I switched insurance companies with NewRez mortgage over a month ago. I was contacted by the insurance company stating that they never received payment. When attempting to contact the mortgage company about this they were impossible to get in touch with and when I did, NewRez created false information. I was told a number of things by different agents. I was told I did not have a mortgage with this company, I was told a check was mailed, and I was told they did a wire transfer. Finally, I called and said I need to speak to a supervisor, as I am now getting letters saying they are canceling my insurance. When I spoke to a supervisor, they stated that they had no documentation of this issue ( despite multiple emails and other representatives being able to pull this information up in the past. ) I told her that this was serious and this issue needed to be resolved and the agent hung up on me. I have been trying for well over a month to get this resolved. However, it is hard to know when this will be resolved due to NewRez agents lying to me about what has/has not been done. I have documented all of this in email. I was also told by the insurance company that they frequently see this with NewRez insurance and they almost always fail to pay insurance through escrow. I am concerned that NewRez is scamming customers and keeping escrow money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage servicing company changed in the beginning of XXXX i was not notified until after the XXXX and that entire time i could not schedule payments. Once i was able to schedule payments i could not use the normal account we use and had to use a business account. that payment went through but was showing up in shellpoint as returned. i contacted them with no response then filed complaint. I should have an additional payment schedule for this week and now i am again locked out of my account and cant see payments made cant schedule new payments. i have been with this new company for less than a month and for half of that time i could not schedule payments view payments. i also could not use our personal bank account and had to use a business account. now i again cant access anything. This has put me at further risk of being foreclosed on and it is unfair considering my account has been unavailable to me for much of the last 30 days
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 12553
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: mortgage compang will not allow me to schedule or view payments i am 4 months behind on payments but according to your website foreclosure cant begin until i am 120 days delinquent on my payments which I am not. i am currently just over 90 days delinquent and have a payment scheduled for this week which will put me at just over 60 days delinquent. On top of that my mortgage servicing company switched and i have been locked out of my account for half of the last 30 days and couldnt make payments and believed payments to not be credited properly
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 12553
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A