Date Received: 2021-12-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02128
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: NewRez mortgage, my current FHA mortgage holder kept calling and emailing me about refinancing. I finally gave in and did their process and not communicated with through the entire process. I was advised that this was an FHA streamlined finance with no out of pocket to me. The first closing date arrived and the notary requested a check for $ XXXX dollars that I had never been advised of. I cancelled the closing and asked them to stop the process as they had lied to me and I didnt trust them. They then came back and somehow the closing funds were half and I was given a hard-sell for a Monday XXXX closing. I agreed and when the new amount was sent on XXXX XXXX in the morning it was {$1900.00}, and not the {$900.00} figure quoted. I asked them to please fix it and was told theyd get back to me immediately. They didnt. Now its closing day and they are giving me a new number altogether. Its a mess. Nobody responds and the closing figures have changed many times and NONE of those times were the no cost I was promised. Ive waited time and got my credit score by trusting these folks. It is New Rez Mortgage and the sales guy is XXXX XXXX. Please help.
Company Response:
State: CO
Zip: 80122
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The account was in a lawsuit filed in XXXX, in XX/XX/XXXX we agreed to dismiss the lawsuit if the corrected the report. We agreed to make XXXX trial payments in the amount the requested by XX/XX/XXXX. We completed the payments but they went back and marked those payments for XXXX, XXXX and XXXX. Then reported us as delinquent for XXXX and XXXX. They have not updated our report since XX/XX/XXXX, which shows us 2 times past 30 days late. We made full on time payments in XXXX, XXXX and XXXX and the still have us listed as late. That caused our score to drop XXXX points. We are not late and that needs removed as with reporting the payments we made the last XXXX months.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 473XX
Submitted Via: Web
Date Sent: 2021-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Shellpoint took over my mortgage over a year ago. For the last few months, they have been over charging me fees for taxes and insurance that I do not have with them. My XXXX payment had also been moved into an account that I knew nothing about and they kept telling me my mortgage was late. As of today which is XX/XX/21, they are still charging me for taxes and insurance. I have my own insurance and I have called these people numerous times. I am not sure why they keep screwing up my account but Im tired of them. This is the worse company ever and I dont know what the problem is with them and other peoples money.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State:
Zip: 27537
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Company : NewRez My loan was transferred to NewRez Mortgage servicing in XX/XX/XXXX. The loan was originated by XXXX I pay my own taxes and homeowners insurance directly and it was never part of my mortgage. Starting with my XX/XX/XXXX statement NewRez started charging me for taxes on my mortgage monthly statement. I immediately called NewRez and had an extensive conversation with them regarding the discrepancy. They asked me to send over proof of payment of taxes along with a letter from myself stating that I pay my own taxes. Both the proof of tax payment and letter were sent immediately to NewRez. I was advised that I should continue paying my normal monthly payment which does not include taxes. In order to make this payment I had to do it over the phone with newrez as I would be paying a lower amount than the statement which incorrectly was including my taxes. My correct payment amount = {$1900.00}. This includes principal, interest and PMI. The statement I received for XXXX had my monthly payment = {$2500.00}. I paid the normal amount of XXXX, payment was processed over the phone. The following month NewRez sent me a XXXX statement with payment amount = {$3200.00}. They have continued to include tax on my monthly statement even after I have provided proof that my taxes were paid. They simply ignored the fact that I have provided proof of tax payment and continued with adding taxes to my monthly statement. They also carried over an incorrect overdue payment amount from the XXXX statement. On top of all of this they charged me a late fee of XXXX. Another fact I learned from my discussions with NewRez is that they paid my taxes but since it was a duplicate payment ( i already paid them ) they received a tax refund from the taxing authority. NewRez continues to keep taxes on my mortgage payment even after received proof of payment from me and a tax refund from the taxing authority I have contacted NewRez again to resolve the issue. They have stated that they are now requesting escrow analysis on the account and that it could take up to a month to get the result of that analysis. Meanwhile I am receiving incorrect monthly mortgage statements and being assessed late fees for paying my correct monthly amount. The fact that I have provided NewRez with tax receipts at the moment the discrepancy was noticed and their failure to to take action on it leads me to believe that there is a high level of incompetence or lack of communication internally with this company. NewRez is placing additional burden and stress on me the consumer to constantly contact them and fix my payment even after I have provided them with necessary proof.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XXXX XXXX my mortgage payment was increased by {$210.00} per month. I called Shellpoint and was tols they are demanding a cushion in my escrow.They are charging me this for the next 12 months. My usual large monthly escrow payment is enough to cover taxes and insurance. There is no reason for this. They will not respond to my 2 emails to let me take over paying my taxes. My mortgage was sold off to Shellpoint. I would never would have done bussiness with a company that is now putting me in a hardship and an unaffordable monthly payment. When calling they just repeat we want a cushion. Please help before I am in deep trouble.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06109
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: References Shellpoint Mortgage Loan # XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Mortgage Loan # XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Since XX/XX/XXXX I have been trying to complete and sign my loan modfication docs. Both Mortgage Agents have put me thru XXXX. I have attached in detail every email contact that I have been thru from XX/XX/XXXX thru XX/XX/XXXX. I has come to my Attention that Shellpoint Mortgage has reported me to all XXXX Creditors as 120 days late. It has dropped my score XXXX points. Never in my Life I have seen this at all. Please take your time and read the attached documents and you can see the XXXX I been thru.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Please see attached statement from the previous loan holder for our account. This states that a balance of {$280000.00} was transferred to NewRez and not {$280000.00}. You will realize XXXX payments were made - XXXX on XX/XX/XXXX to XXXX XXXX XXXX and XXXX to NewRez on XX/XX/XXXX. Hence, your opening balance should be {$280000.00} not XXXX. The opening loan balance for XXXX XXXX lending was {$290000.00} - after XXXX payments of a total {$4100.00} - the principal being transferred was already {$280000.00}. NewRez is only taking XXXX payment into account while doing their calculation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91711
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XXXX XXXXXXXX XXXX is reporting me being late XXXX days late in XXXX and XXXX of XXXX. I was in XXXX from XXXX XXXX XXXX My last payment to Ditech which was the previous company now XXXX was XX/XX/XXXX. In XX/XX/XXXX I made a payment to XXXX XXXXXXXX XXXX. My XXXX with XXXX XXXX started in XX/XX/XXXX. I was never late on my mortgage. In XX/XX/XXXX I contacted XXXX XXXX and notified them business was picking up and I wanted to come off of XXXX. I made my XXXX trial payments on time in XXXX, XXXX and XX/XX/XXXX. In XXXX I signed the loan modification agreement. XXXX XXXX took my XX/XX/XXXX payment and XX/XX/XXXX and applied them to XX/XX/XXXX which I already paid to Ditech in XX/XX/XXXX as the bank statements show. Cares Act states consumers can not be reported as late up to XX/XX/XXXX. I made my payment in XXXX as agreed. At this point I do not understand what payment was late? Thank you, XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 96003
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My ex-wife ( XXXX XXXX XXXX and I ( XXXX XXXX ) purchased the property located at XXXX XXXX XXXX, XXXX, Ohio XXXX in XXXX of XXXX. We took out an XX/XX/XXXX loan with XXXX XXXX XXXX XXXX ( 80 % ) and XXXX XXXX ( 20 % ) on XX/XX/XXXX. The home was awarded to me by the XXXX XXXX XXXX XXXX XXXX County, Ohio in XXXX of XXXX. I filed a XXXX XXXX Bankruptcy in the XXXX XXXX of Ohio on XX/XX/XXXX and it was discharged on XX/XX/XXXX Ditech filed a claim for the mortgage in my case and the Trustee made monthly payments for 60 consecutive months to Ditech. There was a house fire XX/XX/XXXX for which there was homeowner 's insurance with XXXX XXXX XXXX. This policy paid {$19000.00} to the lender who was Ditech Financial ( the loan had been assigned to them ). Ditech originally cut a check to a contractor to repair my home in the amount of {$4800.00} which they subsequently stopped payment on when they filed for XXXX XXXX Bankruptcy. They filed bankruptcy 45 days prior to receiving the proceeds of the fire insurance payment. I made exactly 56 phone calls to Ditech with no response or accounting of the fund. The XXXX XXXXXXXX Trustee also attempted to make contact as these funds were supposed to be sent to him. Regardless, Ditech never used any of the funds to repair my home ( it is still in a state of disrepair and has smoke damage ) and did not credit any of the funds against the mortgage balance owed to them. Additionally, Ditech did not credit any of the XXXX years of XXXX XXXX Bankruptcy payments made to them ( the trustee paid the mortgage as a conduit payment ). The Bankruptcy Court issued an order requiring the mortgage lender to properly adjusts the payoff balance- which never happened. Ditech Financial LLC/Green Tree Servicing , LLC assigned my loan to New Residential Mortgage XXXX XXXX on XX/XX/XXXX. I have not received any mortgage statements for three years. My ex-wife has received correspondence from Shellpointe Mortgage regarding the loan but there is no assignment of record in XXXX County, Ohio to this company. A foreclosure was filed by Shellpointe Mortgage in XXXX but has never been completed. I would like an accounting of this loan all the way back to the beginning. I want to see every expense and charge and every credit for payment made since the beginning of this loan. I want to know what happened to the fire money and what happened to the XXXX XXXX payments ( all 60 of them ). I want to be recognized under appropriate federal loan servicing guidelines as an individual able to receive information on this loan as I have paid on it for years and the property is in my name- as ordered by the Court.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: OH
Zip: 43701
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A