ALAMEDA MORTGAGE CORPORATION CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via
12/02/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	CA 91304	Web
Alameda mortgage was in receipt of my cancelation of loan XXXX for XXXX XX/XX/XXXX. The law and contract says all of lenders interests in my property are canceled immediately period. They sent me a bill for the canceled loan while I made payments on the original loan for XXXX with Alameda. After I cancel Then they prove to me they have canceled all interests. Then they return the money they took from me for the loan, XXXX XXXX They did none of that. But I gave back money per contract, after a reasonable time for alameda to fix their breach of contract and law. I gave back almost XXXX of the XXXX they gave me. They paid off XXXX in cc. The contract said and the law that they have to ask for any more money or property or I may keep it. They did not ask. Then they sent a bill for the canceled mortgage then their attorneys said I was 44 days late to my attorney and then they sent their attorney to intimidate me again stating they credited the payments I made to them for the XXXX loan, to the canceled loan. They asked for escrow payments they never set up. My home was uninsured for 3 months because of them. But they continue to bill me for escrow and sent that to the money source. Now the money source is trying to collect on a canceled loan and for escrow payments. I fail to see how this company continues to get this agencies support when it isnt even trying to hide their unlawful conduct. Its a free for all on predatory lending, breaking the law, and unlawful debt collection because this agency gives them the green light to do so. This loan was canceled and they broke the law by not canceling it and you agree. Then you agree I have to pay an additional XXXX $ a month for 30 years to this company and I got NOTHING from this but ongoing serious financial injury, lost retirement income, lost hope, anxiety, and a firm understanding that this agency serves the criminal predatory lenders and punishes the single family homeowners who are retired and alone. The law means nothing here!
09/03/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NV 89408	Web
I went through Alameda Mortgage Corporation to finance the purchase of my home. The original closing occurred in XX/XX/2019. Soon after closing, I was contacted by Alameda Mortgage Corporation that they needed to quickly refinance due to a glitch in their system in order to make it possible to sell the mortgage to a bigger bank. The refinance closed in XX/XX/2019 and my mortgage is now with XXXX XXXX. The original mortgage that closed in XX/XX/2019 was never released when the refinance closed in XX/XX/2019. I currently show two mortgages for the same parcel filed in the county I reside. I am currently in the process of negotiating a HELOC through another financial institution and in order to close, they need to have the release/reconveyance of the XX/XX/2019 mortgage from Alameda Mortgage Corporation. I have been contacting them on a daily basis for the past 3 weeks, the loan processor from the financial institution has also been trying to work with them on having this document filed. The law within the state I reside says that in the event of a refinance or when the grantee has satisfied the mortgage, the grantor is required to file a release of the lien within 21 days. This indicates that Alameda Mortgage Corporation should have filed the XX/XX/2019 release in XX/XX/2019. I was just notified today by Alameda Mortgage Corporation Chief Compliance Officer that the document will be finally be recorded today - 1 year and 2 months after it should have been, and I still have not received the actual document.
01/20/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91304	Web
XXXX XXXX made promises to me in XX/XX/2022 that my loan would be for XXXX cash out and take about 2 months. XXXX made the samXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX made the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from XXXX to XXXX. I thought my loan had started, I gave XXXX every piece of document he used in the loan by XX/XX/XXXX. However, XXXX said he needed my certificate of occupancy to go forward. He needed that in order to make the appraisal work for the loan. So he lied to me to make sure that he increased my interest rates XXXX % for the entire loan. XXXX also said I did not qualify for a home equity because XXXX XXXX is qualifying for a home equity anymore since covid ''. the qualifications have changed, you don't qualify. But that was also a lie so he could refi the entire amount of the loan he did a year an half earlier. How is that the Alameda Mortgage standard of care that XXXX XXXX the board of XXXX agrees with and says its a competitive loan??? Its fraud!!! The claim at the California Department XXXX Financial Protection and XXXX is the same as the one here. please answer my question, why is this ok>? >?
01/20/2023	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 91304	Web
Why do you think that this loan was a meeting of the minds. I got this loan for a stated purposeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You knew that. You made assurances to a XXXX knowing that. You know of the lawsuit I filed prior to signing the loan docs. The law suit states I will not give up my right to court. But the loan not only takes away my right to go to court but also goes against public policy by causing a default if I report any crimes that your XXXX XXXX XXXX Then the loan takes away any remedy a judge XXXX find. You demand repayment of any law suit I win against you. There is no way that there was a XXXX XXXX XXXX XXXX and you knew that. It was an active concealment on your part to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That is fraud!!! Why do you think that is ok to continue to do and XXXX XXXX XXXX XXXX
01/18/2023	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 91304	Web
d ) Any person transferring the servicing of indebtedness as provided in subdivision ( a ) to a different servicing agent shall provide to the new servicing agent all existing insurance policy information that the person is responsible for maintaining, including, but not limited to, flood and hazard insurance policy information.XXXX XXXX XXXX XXXX So did you pay ins or taxes when you miss applied, absconded with, or otherwise negligently put XXXX XXXX into an escrow account! Or later stole, embezzled, and refused my demand to return that XXXX XXXX amount. Wheres the money!!! Where did u apply my escrow? Did you pay taxes or ins. You took the money. Where did it go. And stop blaming the servicing company for your theft of my XXXX XXXX that you STOLE from me. The escrow I DEMANDED return of.
11/18/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91304	Web
Alameda Mortgage in CA closed a loan XXXX. XXXX XXXX I closed another refi. I canceled the loan within the 3 day period and gave them back XXXX of the XXXX cash out and XXXX in cc payoff, so all money returned less XXXX in actual damages they caused me. Alameda has resold the loan to the money source. Alameda never communicated with me except to bill me for new loan. The sent their att to harass me and extort XXXX or no cancelation. XXXX in tax n ins they never paid was requested or no cancel. I sent in payments to 1st loan on checks and electronically with loan id and month and p+i. The payments were applied to loan 2. I canceled a check, they knew, they sent it to XXXX XXXX XXXX as payment on loan 2.
01/19/2023	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91304	Web
You had all my documents to complete the loan application on XX/XX/XXXX. Why did it take you until XX/XX/XXXX to lock in my interest rate. THE XXXX XXXX XXXX XXXX XXXX AND XXXX Has evidence you had all the taxes, ins, loan info, rental agreements, XX/XX/XXXX there are over XXXX calls n texts between XX/XX/XXXX and XX/XX/XXXX. But no contact AT ALL from u between XX/XX/XXXX when you had all the documents and XX/XX/XXXX when u called. U still didnt lock the rate till XX/XX/XXXX in a historic interest rise market. Your intentional delay cost me tons. What makes you think your conduct is legal? It looks criminal to everyone I talk to.
01/04/2023	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 91304	Web
FDCP act and XXXX act violations are now in the XXXX XXXX XXXX of dollars for statutory damages. Civil code violations are adding up to over {$XXXX} in statutory damages. Criminal violations can be prosecuted my ME!!! For the XXXX time : where the XXXX did you apply my money. Escrow is insufficient. You are on a desist order to make accurate monthly accounts. Your complete disregard for the law is astonishing. What escrow? Taxes or XXXX or both. Where did u apply the money!!!
01/24/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91304	Web
Wheres my money deb and XXXX XXXX U stole money. I demanded its return. You ignored me and passed off the problem to XXXX XXXX a servicer. Wheres my money!!! My XXXX wrote several XXXX dollars was taken from payment you got and u applied it to an escrow. He failed. You failed. The XXXX team failed. Everyone failed. To EXPLAIN WHERE THAT MONEY IS. WHERES MY MONEY ALAMEDA MORTGAGE. Wheres the hundreds of dollars you applied to an escrow account???
01/25/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91304	Web
Please explain what a mortgage credit is. You charged me XXXX XXXX dollars for mortgage credits in my first loan. Then the second loan had a XXXX fee. So y did I get charged mortgage credits on loan one. Why did no body tell me what they were. Why did I have to pay XXXX XXXX dollars for something that I think increases my interest rate. Why are they used in both loans. What did you use the mortgage credits for.
01/18/2023	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 91304	Web
XXXX you and your team of attorneys and company executives agreed to cancel the loan only if I paid XXXX in escrow fees you claimed you had already paid out. Your words not mine. Please tell where you spent that XXXX you claimed you spent. My records show you never spent a dime to pay my ins or taxes. You left me without home ins for nearly 4 months. So where did you all ply the XXXX you said you spent??
01/20/2023	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 91304	Web
Please Review THE LAW you must cancel the fraud loan XXXX the cancelation docs are not dated correctly, that means the 3 day window is extended. XXXX Then you accepted the cancelation, even with your wrongful and criminal extortion of the XXXX of escrow money you never spent. CANCEL THIS STUPID LOAN!!!! STOP COMMITTING FRAUD AGAINST YOUR SHAREHOLDERS AND THE IRS FOR A LOAN YOU KNOW YOU DON'T HAVE!!!
11/16/2023	No	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	CA 91304	Web
Wow XXXX compliance guy. So heres the think XXXX. I told u that ur site is broke. U sent me a screenshot. Then u said there was a link? Are u trying to be hilarious or were u seriously trying to get me to use your screenshot to make a payment. There is no link in the screenshot. What link. Am I just missing something and there is a link or what. The screenshot has no link. Plus its for the wrong loan.
01/24/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91304	Web
Why did you need to ding my credit 6 times during my refi? You also opened a dispute? This conduct looks like intentional harm to raise my interest rate by purposefully reducing my credit score.
10/30/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	CA 91304	Web
Why does your payment link for loan XXXX say that there is no payment due? You advertise a payment can be made online. But thats a lie because it says no balance due.
01/13/2023	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91304	Web
Where did you get the money for my loan. What company funded my loan Where did the investor money come from Who was the investor in my mortgage
04/05/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91304	Web
Please explain why you needed me to provide blank leases off the internet and just sign then during the formation of the mortgage XXXX
01/25/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91304	Web
Did you agree to cancel the loan on or before XX/XX/XXXX. Please note the blank cancel docs at signing.
01/25/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91304	Web
You sold me a loan that cost over {$30000.00} That is a high cost mortgage. Where are my disclosures.
01/24/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91304	Web
In later XXXX early XXXX Did you, ALAMEDA MORTGAGE, agree to rescind or not.
04/05/2023	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 91304	Web

04/05/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91304	Web

03/22/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91304	Web

03/22/2023	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 91304	Web

01/20/2023	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 91304	Web