AMA Advisors, LLC. CFPB Complaints
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| Date Received | Timely Response | Product | Issue | State / Zip | Submitted Via | Tags |
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| 01/02/2019 | Yes |
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| I closed on my home in XXXX with Homebridge Financial Services. Everything was going fine payment wise until my family and I were affected by hurricane Matthew XXXX. I had damage to my home and my children and I had to evacuate. I had damages to my home, I lost power and my food. As a new homeowner, I was dropped from my homeowner 's insurance company, because I had filed a claim. Homebridge allowed me to make arrangements to pay my mortgage. Then in XXXX I had a loss of income and was not able to pay my mortgage. Also in XXXX, we had another hurricane and had to evacuate again and XXXX loss wages. Homebridge had me complete some paperwork to begin trying to make a way to save me from going into foreclosure. I filled out the loan modification papers and I believe everything was put on hold while I was going through the modification process. All the while going through this process, someone kept coming to my home creeping my family and I out, by putting a tag on my door with a handwritten note indicating for me to call Homebridge. I kept asking why is this happening when they know I am complying with what I am being told. Homebridge stated that they are aware that someone is coming out, but its protocol to see if someone is still living in the property, but they do not know the name of the company that is coming to my home. In XXXX, I was approved for trial modification to pay {$850.00} for three months. After the three months, I was told that my modification will be reviewed to determine if I would be approved. Every time I would call into Homebridge ( after my three months ), they would tell me that Im still in the trial modification and that even though its after the 90 days they are still working to get my modification approved. This extended all the way until XX/XX/XXXX. I was given a letter stating that my loan modification was approved to continue to pay {$850.00} and my new terms and agreement would be sent out to me and that someone would come out to my home to certify my documents. I received the documents via post-mail. The VERY next day these same documents were taped to my door ( creeping me out again ). I called Homebridge about it and really did not know why this would happen or who did it. Nevertheless, I contact XXXX they come out to my home in XX/XX/XXXX to notarize my paperwork and to send it back off to Homebridge for finalization. I called Homebridge after XXXX XXXX XX/XX/XXXX to find out if they received my signed documents. They said that they did not. I called for about 2 weeks and finally they were located. Even with them now finding my document, I was still considered in a trial. Every time I called Homebridge about getting things finalized, Ive heard different stories about my loan being transferred to another company, then I was told that it was not being transferred. When I inquired about my modification approval been signed by Homebridge, they stated that they sent it out somewhere for recording and are waiting to get it back. Later I learned that the recording was here in my own county. I called down to the clerks office to inquire about the recording and I was told the only recording they had was when I first purchased the home in XXXX. I called back to Homebridge to inform them of this information and that I wanted to have my sign contract. I kept getting the runaround about the contract, so I later filed a grievance on the corporate level because I had learned once again that in fact my loan was being sold ; and that I was being transferred effective XX/XX/XXXX. I questioned Homebridge and ask them how could they transfer my loan and my business is not finalized yet and I still dont have my contract? After filing my grievance, I received via email my execute loan modification. I inquired about my payments, stating that I had been paying since XX/XX/XXXX was not being recorded with the credit bureaus. Homebridge informed me that all of these things would be taking care of prior to me transferring over to the new loan company, but that was not the truth. My loan transferred over to XXXX XXXX on XX/XX/XXXX. I contacted XXXX XXXX to inquire about my loan and they stated that they were not able to discuss with me fully until the loan was fully transferred over and to them give it about a week or two. So I gave it a couple weeks to inquire and I was told by the Representative that it takes about 60 days for my loan to be fully transferred over, but that I would not experience the issues that I had with Homebridge. They stated that it should be a smooth transition. This information was not the truth either. No sooner than after my loan transferred over to XXXX XXXX, I started receiving foreclosure letters and threatening letters from a company called XXXX. I never heard of them before, so I contacted them online to see who they were and I reluctantly created an account because I thought someone was using my name fraudulently. I scrolled down to the bottom of their website that I saw that they were Doing Business As XXXX XXXX. I realized that this was the same company. I contacted the company and shared with them my concerns and everything that I experienced with Homebridge. I asked if they are aware that my loan is being transferred over, why am I receiving foreclosed letters, threatening letters, and stating that I owe all of this money? I was told by my single point of contact at XXXX that this is typically their process. I was told that I would not able to pay my mortgage until my loan was fully transferred over to them. They gave me an email address to their Escalations department to send them something in writing because I wanted to request a letter stating that while going through this process, I am not allowed to pay my loan. The Escalations department sent me everything but I what I requested. As time went on I still was receiving letters stating that I owe all this money. I kept calling back because I was fearful of losing my home because everything was not fully transferring over from Homebridge. When I talk to a XXXX Rep, they stated that my loan had transferred over enough so that I can make a payment. I made a lump sum of {$1700.00} for the month of XX/XX/XXXX and XX/XX/XXXX ( combined ). I told him that I really wanted to get this issue resolved and get on with my life. They told me that they can not do anything until they received contract signed by me and Homebridge. They said Homebridge only sent them an unsigned copy. I told them that I have a signed copy of the executed contract. I sent it to my single point of contact, she never acknowledge that she received my modification. I left her voicemails, stating if she did not get me, she could leave a detail message informing that she got it. She never verified via phone or email that she received it. I later spoke to another Rep that told me that I am not allowed to email my contract to a contact and that I needed to send it to Loss Mitigation. I learned that the single point of contact will was no longer my contact and I had been transferred to someone else at XXXX. I requested to speak to a manager at that point because again here it is again my business is not finalized and yet Im being transferred over again. I spoke with a supervisor who stated to me that it looks like the modification that I have would most likely have to be done all over again and that they would work get me a better modification amount then what I currently have. The supervisor also told me that if I was to submit the contract for them to honor the modification, that it could put me further in debt because only a portion of the money was given to them. She asked that I give her time to work on it. Meanwhile I continue to receive letters, but this time the payment amount came down. I received invoice letters for {$980.00}. I received invoice letters for {$1200.00}. I called to inquire about that and none of the people that I spoke to at XXXX could explain to me why am I receiving figures other than approved modification amount of {$850.00}. They said that if I only pay the {$850.00}, there will be a balance and late fee. They see on their system that my escrow amount has not changed, they see my property tax hasnt changed. Quite frankly the property taxes and escrow arrears all were considered and calculated when I was approved for the modification at Homebridge making it {$850.00}. I was even told by XXXX they see an amount of {$850.00} as my payment. Where are these figures coming from? No one seems to know. Due to all that I have experienced, I am writing/filing this complaint because I am fearful of losing my home. My anxiety level is to the roof. I am having trouble sleeping because of this is constantly on my mind. Im unable to function properly at work and basic daily routine because I dont know if one day when I come home, will there be a home to go to. The point of this complaint is to have my contract honored. I am okay to keep my {$850.00} executed contract without penalty and be free from any other additional debt and/or bankruptcy. This complaint is to have XXXX honor my terms and conditions of this contract and to send me over to XXXX XXXX and remove me from XXXX Debt Collection/Loss Mitigation Department. I did everything that Homebridge requested of me for the past year and a half to get this modification approved. I should not be penalized in this manner and have the uncertainty of not knowing if I have a home for my children and I because the two companies cant get it together for the sake of the consumer. I want my county to be sent the proper documentation to put the recording on file that is necessary. I want my credit bureaus to be made aware that I have been paying my modification amount on time since XX/XX/XXXX. I know what its like to be XXXX when I was a child and as a result, I had to grow up in XXXX XXXX. I purchase this home to give me and my children a sense of stability and consistency and this fear of losing my home is traumatic for me!!! Thank you for taking the time to review my complaint. | ||||||
| 11/27/2017 | Yes |
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| Home bridge Financial accepted my application for a loan on a new construction home back in XXXX XXXX 2017. At that time the application was processed over the telephone about how much I made a year and general debts and my credit was pulled. I was then advice to work on my credit by getting a secured credit card and then they will pull my credit again and then proceeded asking me to send information about my XXXX, recent pay stubs, bank statements and retirement information. Then after information was gathered my employment was verified. I assisted with providing the information about my employment and both jobs were verified. Im a XXXX and it was explained at the start of the application that I just started working at a new job in the same field as a XXXX and had been working full time hours with my agency and was not working there at the time of the application but was part of my income this year and I pick up hours as needed because Im a XXXX XXXX XXXX. I was told they would work on trying to use that income but had already prequalified me based on all the debt I given them and my income from my full time job and what I made this far at my XXXX XXXX XXXX. After gathering all my information in XX/XX/XXXX, they asked me for updated pay stubs and was I still working at my second job and my employer stated I did and I explained via email conversation that was true but only worked per diem and due to mandated court counseling sessions from a previous family issue I was not picking up shifts in a phone conversation with XXXX the loan processor because I also made him aware that I had to use savings for legal fees and he said that shouldnt be an issue. They proceeded to have me change my student loan payments from income based to 300 month payment and take disputes of my credit report. I continued to ask about where we were with the status of the loan that I received a commitment letter stating all I needed to do to close on this loan was sell my house which my contract with the builder was based on contingency of my Home selling. Mind you this was the builder preferred lender I was told to use in order to receive financial assistance with closing. After providing the lender with updated pay stubs, they never once explained to me that they couldnt proceed with the loan due to my income was not enough. However they did proceed to tell the realtor for the builder that there was nothing else needed but a second verification of my employment. The problem did not arise until I had an offer on my home to sell and I needed confirmation that I had the loan and the question arised if my income had changed because an updated pay stub showed a different pay rate which I explained was payment for computer orientation hours as an employee we get paid at the rate for orientation and not our regular pay rate and then the issue was well we can not use this income because you have not worked at this job for over two years part time and this conversation is now happening in XX/XX/XXXX and when all my employment information had been provided since XX/XX/XXXX up to XX/XX/XXXX. The lender cant bsck stating I would have to pay off my car which I have only been financing for less then two years, giving me the option to sell my car I had XXXX left to pay and be upside down with not enough money to pay back the car loan and also my house still had not been sold and the lender was depending and new I needed the proceeds of the house to aid in closing cost. I asked the lender why was I just being told this so far in the process where the house had now been completely build. The lender stated they had been having issues verifying my employment and trying to get the second income used. I explained to the lender that there was no way to pay off my car at this time and that my contract was contingent on my house selling and at this time the offer had fell through. I told the lender that there was nothing they could do for me at this time if my house didnt sell because I would be depending on the proceeds to move forward and I wasnt considering selling my car. So from there the realtor begin to get involve trying to convince me to sell my car and I told them that wasnt possible that was my ride back and forth to work and they told me I could get another one after closing. I then explain haw can closing happen when my current home was not under contract and have not sold. They later expressed that they would be terminating my contract and I agreed if we couldnt move forward and requested my earnest money back since they couldnt wait on my house selling. The seller stated that it was my fault the loan did not go through because I lied about my income and they would not be giving me my money back. I then tried pleading my case asking to speak to the manager and the seller had decided to go off what the lender had provided in why I wasnt going through with the loan. I explained everything I have written in this complaint and also stated how could I have lied when I have been mislead with my credit being pulled over more than five times and my employment being verified with recent pay stubs submitted and then later told five months into the loan process that they could not use my second income because I had not worked there as part time for two years but have been employed with them for over five years. I explained and felt it was unreasonable and I did my due diligence my providing every documentation asked for and change student loan terms and that I supposedly lied and now because the lender has not processed my loan because my debt to income is high with just using my full time income I cant purchase the home and mind you I wouldnt been able to until my current home sold but the builder is holding my earnest money because the lie was told by the lender that I lied about my income. At the end of it all, the lender stated I couldnt use my second income and I didnt want to be going back and forth this late in the process with the loan processor and told him if he said I couldnt use it then so be it, I guess so and this is whats suppose to make me a liar because he didnt figure out all the information Ive provided on my income would not be able to be use and now Im getting penalized for this lender mistake for not doing his due diligence. However, I went even further to get other financing through another bank and the builder objected in giving the additional XXXX towards closing because it wasnt there preferred lender. | ||||||
| 03/24/2021 | Yes |
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Web | Older American |
| Been contracted to purchase home at XXXX XXXX XXXX XXXX, Georgia XXXX since XX/XX/XXXX. After I was pre-approved by HomeBridge Financial Services represented by XXXX XXXX via their Reverse Mortgage Program, I paid the Seller {$45000.00} a 5 % non-refundable deposit to have the property taken off the market. I had hoped to close by XX/XX/XXXX. I was advised in mid-XX/XX/XXXXXXXX by Rep a new reverse mortgage program would reduce amount needed to pay down on this newly built property if I were to wait and re-apply in XXXX. My package was received by HomeBridge Underwriter on XX/XX/XXXX. I commented XXXX said " processed by XX/XX/XXXX '' and how important it was for me to close by XX/XX/XXXX, and Rep explained it was standard process time, he would " work to expedite. '' XX/XX/XXXX Mr. XXXX, with his Sales Manager from the HomeBridge Corporate Office in XXXX XXXX, XXXX XXXX, on the phone and in writing told me I " would have to bring {$120000.00} to closing and he " would 'see ' if he could get a closing appointment by Thursday. '' He further advised that the " XXXX had found my letters of explanation ( LOE ) 'unacceptable ' regarding why I paid my XXXX property tax on XX/XX/XXXX vs XX/XX/XXXX ; and why my XXXX fees were late ( less {$300.00} due- arrangements made as soon as I learned owed with XXXX XXXX in XX/XX/XXXX ). '' Because " XXXX found my LOE unacceptable '', he further explained, a XXXX was needed to be paid to their company of {$120000.00} so money was set aside to pay " 18 future years of projected taxes and insurance '' for the new house. I became extremely distraught and bewildered as to how I would come up with that much money and only being told about it on XX/XX/XXXX 60 days after application about this huge amount of money. The Manager suggested they talk to the XXXX and see if anything could be done. Overnight they were able to speak with the XXXX and get the XXXX amount reduced to {$75000.00}. I advised them on XX/XX/XXXX, I would not pay {$75000.00} to put into an account so they could pay my taxes and insurance for 18 years because their XXXX found my letters of explanation " unacceptable. '' There is NO EVIDENCE of my insurance or taxes not ever being paid, I've lived in my home for 35 years. I also requested ALL of the hard copy documents sent to him AND their XXXX file regarding my application be returned to me overnight. I advised I would be making the acquisition for this property with another lender. After 2 days, and several notes via voice, text, email that I had not received the documents to XXXX XXXX and Ms XXXX, I received a phone call from MsXXXX XXXX. She apologized and advised I would get the documents. I finally received hard copy documents 7 days after my initial request. I still have not received the XXXX file, although I asked daily until XX/XX/XXXX when Ms XXXX said to me because I was going with another lender those documents were " internal to them. '' She did ask who Id be going with, advising they had other Reverse Mortgage Companies ; but when I refused to say, she did not offer to have any other of their companies approve the application without this stipulation. I advised the docs might help me expedite my new loan process. I still do not have them. My best acquisition method for this property is a Reverse Mortgage. Accordingly, I met every requirement except this subjective one. Ive even paid 1st year in full for home insurance XX/XX/XXXX. Rep insisted it be raised {$150000.00} MORE THAN 100 % replacement value of home per my XXXX Agent. I paid increased amount so not to hold up closing on the property. I withdrew from IRAs XX/XX/XXXX & in mid XXXX expecting this loan would close. Ive lost significant earnings as my down payment ( {$410000.00} ) has been ready to wire since XX/XX/XXXX ; and {$45000.00} non-refundable deposit and agreement made in XXXX expired at the end of XXXX, which Rep knew would happen. I have proof he submitted to his 2 " letters of explanation '' to his company that he forged saying they were from me dated on XX/XX/XXXX. I explained to Ms XXXX that I did not write either of the letters, and certainly I would not be writing those letters in XXXX when I'd been trying to close since XXXX by contract- XX/XX/XXXX by application. Additionally, Ms XXXX sent me a copy of the XXXX notes that showed I had been " approved on XX/XX/XXXX '' with the only conditions needed mostly met in my response to her. It does not show by XXXX checkmark any XXXX is required. Only that the XXXX need to be in the file. Although I still put in writing a letter of explanation I've since remembered in XXXX XXXX, because of Covid-19, we were permitted to pay later than XX/XX/XXXX, I believe up to XX/XX/XXXX, which means I paid it earlier than due. Rep even told Manager I had to provide a letter of explanation for " WHY I wanted to move into such a 'large ' house so close to my existing home. '' Totally INSULTED by this question, I explained to her in writing that I was born in XXXX and was buying this new home in the area of XXXX where I was born, and closer to my XXXX year old mother, my house of worship, and the community in which I mostly work or serve in social service projects. Additionally that I was moving where I could live, work, and play and would be incorporating my company in XXXX from my new home. For me this was also a special XXXX XXXX Historical fact as XXXX, a Federal Empowerment Zone, is also a National Historic District. It was so designated as it was founded in XXXX by freed XXXX American Slaves after the Civil War ended. I am a Direct Descendant of the freed XXXX American Slaves who settled XXXX. I was born there and moving back to my " Heritage '' home! The delay in closing has caused me irreparable damage in launching my new company which was to be done in XXXX to optimize XXXX History Month to include a news article of local and national interest launching my company and noting a XXXX History XXXX Fact. I truly want to buy and live in this house and am trying to get another lender to rapidly approve me, but as a senior with only SS and IRA investment income, it is proving difficult. The Reverse Mortgage is the product that works for me. If I don't get a lender ASAP I will lose the deposit {$45000.00} and the Seller is not willing to enter into a new agreement to take this property off the market. | ||||||
| 01/01/2018 | Yes |
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| Our Mortgage company is in violation of the HUD FHA Single Family handbook and of their contractual obligation with us. They have also violated RESPA by not responding to a notice received of this error. We have an FHA 203 ( k ) loan. It requires the mortgage company to maintain an escrow account to pay for repair costs. Th Single family handbook stipulates how those funds are to be handled. Additionally we have serval signed agreements with Hombrige that dictate the requirement that need to be met before funds are released. It is required by both the Single Family Housing Policy Handbook 4000.1 and out contract with Homebrige that they make sure that all permits are in place before releasing any funds from our escrow account. Single Family Housing Policy Handbook 4000.1 states that The Mortgagee that is the custodian of the repair escrow funds is responsible for ensuring all funds from the escrow account are properly distributed. It further states that The Mortgagee may release funds only when repairs and improvements per the draw request, whether made by the contractor or Borrower, meet all federal, state, and local laws, codes and ordinances, including any required permits and inspections. Both of those quotes can be found in the section governing 203 ( k ) loans. Given those two statements is it obvious that the Mortgage company has to make sure there are permits in place before the release any funds. Additionally, the mortgage company put this requirement in writing and we have three signed agreements with them stating the same thing. First we have a document titled Permits and/or Certifications Required it states that copies of permits MUST BE ATTACHED to the first draw request for the renovation funds to be disbursed Next we have our HUD borrowers acknowledgement that states I understand no draws on the escrow account can be made until all permits have been issued by the local or state building departments, where required. Finally we have out rehabilitation loan agreement which states : Mortgagee shall release Rehabilitation Escrow Account funds by check, payable to the Borrower and/or the contractor, upon satisfactory completion of the rehabilitation in accordance with the Work Write-Up or Work Plan, as evidenced by a compliance inspection or other authorized method, and when the repairs and improvements meet all federal, state and local laws, codes and ordinances, including required permits and inspections. Thats a total of three time that the mortgage company gave us documents to sign that stipulated that they cant or wont release funds without permits. The mortgage company has admitted that it has disbursed three draws from our escrow account. There have been no permits pulled at our property. The mortgage company reply is that they processed the draws they received. We agree. But they did not carry out there obligation between receiving the draw requests and processing the draws. We had a independent HUD consultant of Homebridges choosing inspect the property and take note of any deficiencies of the draw process. He stated that there needed to be permits in place and that no funds should have been released. That means we have three times that Homebridge stated that they wo n't or ca n't process draw requests until all permits are in place. We have the HUD handbook stating that the mortgage company needs to have permits in place before releasing funds, and we have a neutral third party that was chosen by the mortgage company stating that no funds should have been released because permits are required first. The mortgage company at no time informed us that there were permits in place. When we discovered this fact we contacted them and informed them of the error in writing. They have not acknowledged this letter. The mortgage company did not provide me with an address to submit a QWR to Our closing documents only mentions an address to send mortgage payments to. We have not received a notice transferring the servicing right to another company. Therefore the mortgage company should has to treat any notice they receive as QWR provided they meet the guidelines of REPSA. | ||||||
| 12/07/2021 | Yes |
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| My original complaint : I did business with this company 's wholesale division from XX/XX/XXXX to XX/XX/XXXX. The loan program was a NON-QM bank Statement. My file was submitted to underwriting on XX/XX/XXXX and received conditional approval on XX/XX/XXXX. The list of conditions was extensive, but my broker turned in everything we could. The underwriter asked for new documents each time, with some requests sounding like they were made up along the way. After weeks of back and forth, we were told that the loan cant be cleared to close because the fees were too high and that they needed to see 18 months of reserves. The max fees for the loan were around XXXX and my fees were XXXX+. My broker asked what could be done and if some fees could be waived. My broker was told, Keep in mind this loan hasnt passed non-QM since day 1. We are not able to do this loan for free If that was the case, why would you conditionally approve me?! Even if I supplied the documents and got exceptions, I would still take pricing hits that would affect the fees. The company offered no insight except having XXXX reserves, which still wouldnt fix the fee situation. The other solution was for my parents to cosign as they said, They seemed to be willing to give me money After zero information on how to actually fix the situation, the seller was extremely frustrated and backed out. This all could have been avoided if the company was transparent from the very beginning. My file was complicated, but I would rather have been turned away upfront instead of being dragged along for a month. This company was extremely disingenuous and frankly unethical _______________________________________________________________ XX/XX/2021 : This complaint is a response to Case # XXXX, in which Homebridge failed to provide an acceptable resolution to their negligence. I want to first say that this loan was NOT handled in an appropriate and professional manner. Number 1 : Homebridge states that my file showed the Debt-to-Income ratio exceeded 43 % - without {$1500.00} of residual income, no history of a housing payment, therefore, the maximum Loan-to-Value ratio would be 75 %. The minimum loan amount for the program is {$100000.00} and the borrower did not have 18 months reserves to compensate for the high ratio, so an exception had to be obtained. RESPONSE : I submitted MULTIPLE LOEs that their representative asked for to gain exceptions. However, if each exception entailed pricing hits, why would you continue to keep processing the loan? Would that not disqualify the loan from the jump? Their representative stated that the loan never qualified from the beginning, but they conveniently could not read my upload. Number 2 : I did in fact have both 12 and 18 months in reserves. I have attached my bank statement as well. It was properly sourced with bank deposit slips. Based on your calculations, I needed XXXX for 90 % LTV loan. However, your underwriter refused to look at that sighting that the fees were too high. Once again, out of my control. You refused to waive any, even the fee for my broker which she asked you to do. RESPONSE : I even had a CPA letter and profit/loss to help with the residual income and debt/ratio issue. According to Homebridges site, Requires a XXXX XXXX XXXX provided by a CPA, EA or licensed tax preparer for the most recent 12 or 24 months as applicable. If the deposits on the business statements support a minimum of 75 % of the gross receipts listed on the XXXX XXXX XXXX the XXXX XXXX XXXX may be used for qualifying based on the borrowers pro-rata share of ownership. The resulting income should be reasonable for the borrowers line of work. Homebridge refused to accept it ; because my CPA was foreign. I had my XXXX XXXX XXXX reviewed AGAIN by a XXXX XXXX and Homebridge acted like it didnt exist. It is extremely lazy to insist that I did not include attachments that could be retrieved. These documents were given to me by Homebridge. Its interesting how a PDF cant be read. Dont worry, I converted them to XXXX. Perhaps, an update of software is required on your part. | ||||||
| 04/09/2019 | Yes |
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| In the middle of XX/XX/XXXX, hurricane Florence came to south east North Carolina and destroyed much of what was around. Luckily our home was not damaged beyond repair. However, after dealing with this mortgage company, I feel like the hurricane was the easy part. We decided to go to Florida far out of the Hurricanes path and wait for the storm to finish up. Due to the storm and our area where we live, we were unable to get back to our home for multiple weeks. Once we returned there were repairs to be done. I did not believe however filing a claim and paying someone else to make the repairs was worth it when I could fix the damage myself for the price of our deductible. I fixed everything up while my wife and I both tried to do what we could to get back to work. FEMA declared our area a disaster area and encouraged the community to call our mortgage companies for financial relief. We decided to call our car companies and even credit cards and they all happily held payments for 60 days giving us time to get back to normal. Not a problem. We called Homebridge, and are now about to lose our home. Towards the end of XX/XX/XXXX, we called Homebridge. We called and explained the situation and they said sure not a problem. Just fill out these forms, send us some documents and we will defer your mortgage for 3 payments. We filled out the forms. Got the required documents and sent everything down to them. No problem. Come the beginning of XX/XX/XXXX, I get to wondering whats going to change if anything, so I call them. We never received your package sir. Is what I got. But was assured if I sent it again before XX/XX/XXXX than it will work. So I send it again. Get a letter two weeks later saying they have received my docs and will contact me once they are reviewed and a decision has been made. Two weeks later ( second week of XX/XX/XXXX ). I receive a letter saying my mortgage is being sold from Homebridge financial to Homebridge mortgage servicing. In XX/XX/XXXX, I receive a letter from the new Homebridge stating Im late on my mortgage and needed to pay it. I sent in a check for XX/XX/XXXX and it was returned to my account. I called Homebridge as soon as it came back and they told me you account is under review, no payments are required. I thought to myself that new Homebridge had to do the same process that old Homebridge did. They tell us on the phone that they have not received our package from the other mortgager and that it can take up to 60 days. And that my payments can not be accepted after Im 3 payments behind, ( the same 3 payments I was deferred ). So at this point Im calling weekly. Have you received it yet? The answer was always no. XX/XX/XXXX comes and goes and still, have not seen a file for this. So they send me a new one. In the mean time, Im calling this company who is a servicer of Homebridge mortgage and asking what to do. They say, just keep calling and we can update you. Im getting foreclosure letters and all sorts of notes and when I call them, all they say is they are still required to send those notices. It set me off when I got one that said pay by this date or we will move to next steps of acquiring the home or selling it or whatever they do. I called today XX/XX/XXXX, to make sure they got my new packet. They have. They tell me it will take a week to review, then its sent to an underwriter who can have it for 30 days, and I have to call back weekly to see if I need to send anything to them. I ask them if this all works itself out, and we get back to even and I can make the whatever payments, will it back date to showing up on my credit report as late payments? No. It doesnt. they tell me. If I want those late payments taken off my credit report id only be able to write the three credit bureaus myself and offer an explanation and they may take it off. Now Im waiting until next week as instructed to call back and see if they need anything else. I cant make a payment at all until its current apparently. | ||||||
| 12/12/2015 | Yes |
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| As first time homebuyers, my wife and I discovered that the Maryland Mortgage XXXX offered a home credit that would turn 25 % of our mortgage interest deduction into a tax credit. This incentive would really help our ability to afford a home, so I sought out a lender that was qualified to complete loans that participated in the program and would provide us with the tax credit. The tax credit certificate must be obtained on a homebuyer 's behalf by an approved lender. Our lender failed to register us for the tax credit as he said he had done so we will not receive the tax credit certificate and will lose out on the {$2000.00} annual tax credit each year we live in our new home. I worked with XXXX XXXX XXXX NMLS # XXXX ) and XXXX XXXX XXXX XXXX Company NMLS ID # XXXX XXXX, a division of Homebridge Financial Services, to obtain a home mortgage through the Maryland Mortgage XXXX. XXXX told me he was familiar with the program and ensured me throughout the process that he had done all that was required to obtain the Maryland XXXX. A week before we were set to close, I called XXXX to ensure everything was in order. I told him that according to the Maryland XXXX website ( http : //mmp.maryland.gov/Pages/MDHomeCredit.aspx ) we had to obtain the Mortgage XXXX XXXX before closing. He ensured me that everything was in order. When we got to closing on XXXX XXXX, 2015. I asked XXXX if he had the Mortgage XXXX XXXX with him. He said he did n't have it, but he would call the program right away to get things squared away. He assured me that everything was in order. The closing attorney included documentation from the Maryland XXXX website as evidence that I had done all that was required of me as the lender to get the tax credit. XXXX said he had had trouble getting the website to work properly, but he would download the certificate and give it to us right away. Later that day ( the day of closing ) and in the days ahead, I discovered that XXXX never completed the registration for the XXXX and that my family and I would lose out on the {$2000.00} annual credit for as long as we live in the home. I was extremely frustrated because the availability of this credit was precisely why I chose to work with XXXX and XXXX and he ensured me throughout the process that everything was in order. In the days and weeks that followed I was in constant communication with XXXX to get the situation resolved. XXXX said that he thought he had done what was required, but he never registered us for the program. Since he never verified that we were registered, it was n't until after we closed that he realized he had made a mistake but at that point it was too late for him to get it corrected. In the weeks following, I spoke with the state mortgage program and was told there is nothing they can do to issue me the certificate after closing despite the fact I did everything I was supposed to up front and it is due to my lender 's error. I also spoke with the head of XXXX 's mortgage branch, XXXX XXXX, who expressed his dismay that XXXX failed to register us for the certificate. He said he would get to the bottom of things and figure out a resolution. Since that phone call in early XXXX, XXXX has never called me back and has not answered or returned any of my numerous calls. I have included documentation showing that XXXX said he thought he registered us for the program ( verifying that he knew that was our intent ) and from the state saying that there was nothing that could be done after closing to fix XXXX 's error. Buying our first home was a major long-term financial commitment and our expectation to obtain the Maryland XXXX helped us make the decision to buy our home. XXXX XXXX and XXXX XXXX XXXX 's failure to register us for the tax credit as they promised causes us significant financial harm. | ||||||
| 10/16/2016 | Yes |
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| I have been a XXXX for over 10 amazing years. Unfortunately, in XXXX I started to increasingly become sick towards the end of the XXXX. I was granted by New York State XXXX a 12 month leave of absence to support and restore my current health issues such as XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX. My XXXX became XXXX in a way it was very difficult for me to work on a daily basis. I did not receive any income during my 12 month leave from the XXXX XXXX, only allowed to keep my health benefits. I wrote a letter to request any help that is available to bring my mortgage back into good standing, when I feel behind on 3 payments. I have never once missed a mortgage payment since I purchased the home, If anything my payments were always early. This was up until I became sick XXXX of XXXX. I had exceeded all of my bank accounts and just like a snowball affect I could n't stop it, I just kept going deeper into debt with my home and with no help from loan company. Home Bridge Financial Services sent me an application and all documents necessary to proceed with a " loan forbearance. '' If I knew then what I know now I would have begged people for money to pay my mortgage.I trusted this loan company and complied with everything they asked me to do. First, I went to make a payment on my mortgage for a month I was behind, and was denied access onto my account online for payment. I called Home bridge and the agent told me my payments are being suspended until they come up with a decision for loan forbearance. I never thought twice about it, I assumed this was protocol in determining a decision. Eight months later numerous times from that point on of asking if I could pay and the XXXX agents assigned to my case still till this day tell me No not until a decision in determined. I pointed out to the one agent that the longer I go without paying my payments the more in debt I am going in, and Ill never be able to climb out of this hole of debt for my home. The agent told me, If I would have saved my money I would n't be in this position to begin with. Next, I have sent in all documents they asked for, and every couple weeks I get a completion letter stating to wait 30 days for a decision. Then, like always two weeks later I get a redundant letter asking for the same documents I already sent in and something else they had never asked for before. They will send out the letter of documents needed on ( ex. XXXX XXXX, XXXX, I will received the letter on XXXX XXXX from Georgia to NY and the due date will be XXXX XXXX. ) It is impossible for me to gather all the information they ask for as well as signatures from my job, doctors, etc. in 2 days b/c now last months have expired and again have to start all over. Last letter I received was a list of documents that my mother needs to send in, such as, her personal bank accounts, investments, pay stubs, income, etc. and a letter stating she will be the " CO-BORROWER '' on my loan!! I put my mother down as a person who supports me with my daily living expenses up to about {$200.00} a month, and next thing I know I receive a list of personal information they are requesting from my mother to be co-borrower without any permission or knowledge by my mother and I. I have collected a pile of redundant letters for documents needed and documents stating I completed my application process. I feel as if they are doing this on purpose to me at this point. They claim they do n't receive my faxes but I have proof showing the fax went through. Majority of the time their fax machine is shut off, they never call me back or answer my emails. If they answer my emails they are very vague and wont answer my questions and advise me to call. They REFUSE to take any of my mortgage payments since XXXX until they make a decision, and eight months later still no decision. | ||||||
| 07/28/2023 | Yes |
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| I contacted XXXX XXXX XXXX, who at the time was at XXXX XXXX in XXXX on recommendation from my realtor. I submitted all documentation to her and was pre-approved and told that I qualify for the Time-to-own and down payment assistance program in Connecticut I did note to her that in XXXX my income would be changing as I would be receiving a raise from my job. I submitted my new time sheets to her at the end of XXXX per her request. I began home shopping and put in an offer on XX/XX/XXXX, it was accepted on XX/XX/XXXX. I resubmitted documents to XXXX XXXX to being the process of processing my loan with a closing date in XXXX. During XXXX I was informed that XXXX XXXX was switching to Home bridge Mortgage company, and that she would still be in charge of my loan. During which time multiple incidents took place. In the end a week before closing I was told that the original programs I was told that I would qualify for I no longer did, and that my mortgage payment would now be {$400.00} more than originally planned. At this point the seller has stopped signing extension 's and I was told that if I didn't take this mortgage that I would loose my {$5000.00} deposit. I felt as though I was forced into a mortgage. During this time I was also very XXXX and being forced out of the place I was renting as the landlord was tired of the multiple extension 's. I began receiving documents for me to sign stating multiple different amounts as to what the mortgage would be. I said I was uncomfortable with the price and I would just fight for my deposit back. My realtor then tried to work a deal, the seller went down XXXX in price so that I could still purchase the home. While that was great it didn't help with the mortgage payment as it only went down {$80.00} or so. I still didn't feel comfortable with the price but I felt like I had no other option but to buy the house. I did share with XXXX XXXX that I was scared to purchase the home as I was XXXX and going on XXXX XXXX. She stated that there were multiple programs to help me when I go on leave and I shouldn't be worried. I also noted to her I felt that the mortgage payment would make me house rich but cash poor, and I would financially not be able to make the payments. She asked me if my significant other at the time couldn't help me out with the bills. I should've noted this as a red flag to not continue with the purchase. I agreed to the purchase with some coercion from my realtor. I was given a closing date of XX/XX/2022. XX/XX/XXXX came and went, I was given another date of XX/XX/XXXX. On XX/XX/2022 as I was heading to my lawyers office, he called and let me know the paperwork that was submitted had the wrong amounts on it. At this point I became very frustrated and contacted the Division Executive XXXX XXXX, and explained what had been happening during this home buying process. He took things into his own hands and was able to close on the house the following Tuesday. After my closing XXXX visited my home with {$1000.00} in gift cards as a apology for the way my mortgage was handled. I went on XXXX XXXX in XXXX and was not able to make my payments due to the mortgage company that purchased my mortgage at the closing table not offering the same programs homebridge had offered. I am now 5 months behind in mortgage payments and I will more than likely have to sell my home at the beginning of the year. At my lawyers urgency I am making this complaint, as I was unaware of the illegal ness of the handling on my mortgage and the potential falsifying of my documents to give me a mortgage that I could not offered. It was noted to me by my realtor XXXX XXXX that after the closing on my home there was a big meeting with the lender, the mortgage company and the realtor to discuss how my loan was handled. | ||||||
| 06/09/2020 | Yes |
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| -XXXX of XXXX myself, XXXX XXXX , and my wife, XXXX XXXX purchased a house in XXXX , XXXX with a 30 year loan from Homebridge . -XXXX to XXXX of XXXX both my wife and I totaled our vehicles due to the snow, lost our jobs and I sustained a medical injury while in XXXX XXXX. We decided to move and continue to meet payments on the house in XXXX. XXXX, XXXX we moved to XXXX, XXXX with a friend and secured new jobs prior to move. -XX/XX/XXXX we maintained our mortgage payments, but we started talking with Homebridge about short sale and Deed in Lieu options. Homebridge recommended, because of the circumstances, that we are good candidates for a Deed in Lieu ( DIL ) of foreclosure and to submit a loss mitigation process. It is important to note that they suggested the DIL package and advised that we will be back dated on the missed payments to only show 90 days or 3 months missed payments from time of submittal if approved. Sounding like a solid plan we stop paying the mortgage and submit a DIL package XX/XX/XXXX. - XX/XX/XXXX my XXXX XXXX XXXX ( XXXX ) requested a reinvestigation for my XXXX XXXX as a full foreclosure can lead to a revocation of clearance. My wife and I inquire to Homebridge with calls and emails with no updates. -XX/XX/XXXX we were informed that the DIL had been approved! I flew back from XXXX and signed the DIL on XX/XX/XXXX. I submitted the paperwork to my XXXX and was cleared for full XXXX XXXX XX/XX/XXXX. -XX/XX/XXXX My wife and I begin calling Homebridge daily. They stated that they lost our paperwork in the midst of a company restructure. XXXX was now our loan holder. Homebridge and XXXX both had no idea about our loan status. We plead with them that we were long approved for DIL and they did not want paperwork or ever call us back. To date we have never received a phone call from them. During this time we continued to receive missed payments and discovered it was doubled. XXXX and Homebridge has a mortgage each in our names with missed payments from XX/XX/XXXX. -XX/XX/XXXX my XXXX requested a re-investigation. With our dropping credit score I was once again in Jeopardy of losing my XXXX and job. - XX/XX/XXXX at some point the credit was corrected with no information relayed to us why, when, how. XX/XX/XXXX I am fully reinstated for my secret clearance once again. With the credit corrected my wife and I began to look at homes to purchase which brings us to date XX/XX/XXXX. In the process XXXX XXXX XXXX discovered missed payments on the XXXX loan in XXXX. This is a discrepancy and needs to be corrected as we can not purchase a home if we are still being shown as owing the XXXX house. It should be noted that I contacted the town of XXXX in XXXX and they had the Deed listed as being owned by the bank in XX/XX/XXXX and not by us. -XX/XX/XXXX we have decided to purchase a home and through our escrow we were notified that there was still missed payments on the home we finalized a DIL with. We both reached out to HomeBridge/XXXX and they could not provide us with any information, or were able to locate our file apon calling in. Since we were getting no where with the mortgage company we filed disputes with all three credit bureaus. We submitted everything we have submitted here and what they came up with was the home was out or our name as of XX/XX/XXXX and went back and corrected those dates on our reports. We have decided to reach out since the home was signed out of our name as of XX/XX/XXXX ( I have attached the document ). If the home was out of our name as of that date, and the town clerk of XXXX, XXXX shows XX/XX/XXXX as the date of the deed going back into the banks name, why does our credit report show XX/XX/XXXX. We appreciate your help and any insight you can provide. XXXX and XXXX XXXX | ||||||
| 10/30/2015 | Yes |
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| We called to begin the loan process XX/XX/XXXX with a XXXX at XXXX XXXX XXXX and signed our application docs right away. Once requested, we handed in all of our underwriting docs within a few days. We requested an XXXX XXXX closing date. Because we were unsure if our builder would be ready on that date ( new construction ) they decided to use the date of XXXX XXXX. We were fine with that. They ensured they would do their best to beready by XXXX XXXX just in case. As we got closer the builder informed us the house would be ready to close on XXXX XXXX. We relayed that informaion to the broker. The broker then told us the lender ( another company ) was working towards an XXXX XXXX date. We had never heard XXXX XXXX previously and were confused. The broker said they would try to move quicker but the appraisal was not done. Not only not done, but the appraiser had n't even been out to see the house. In the meantime, the appraisal had been ordered over ten days prior and our credit card already charged. The appraiser did not go out to our new property until Monday XXXX XXXX. Later that day the broker emailed us a list of new conditions required to close. Example, XXXX was a XXXX for a previous rented apartment that came up on our credit report. Another item was a 2014 EOY paystub because my VOE and XXXX was off. We were again confused because our broker had told us they had eveyrthing they needed from us and wondered why did they not ask for these items earlier. I would like to mention we began being frustrated since missing the XXXX XXXX date ( however that one was somewhat understandable ). Missing an XXXX XXXX closing ( the date on our application docs ) was even more disappointing. We were still counting on an XXXX XXXX closing but then guess what, more things came up. We continued to hand in everything the broker asked for right away. Today is XXXX XXXX. Clealy I am not closing. We had to ask for an extension from our landlord to stay in our current residence - we were given only 4 extra days at a high daily rate. We were thankful to not be without anywhere to go and were told we would be closing Monday or Tuesday of next week. Still this is cutting it very close because we need to close, move, and clean our old place in one or two days. All of our things have been packed and we 've been living out of boxes since XXXX XXXX thinking anyday we 'd be closing. Today we were notified the Tax Cert is incorrect and the broker said " it should have been fixed weeks ago. '' This could add additional days. Now we are scheduled to close Wednesday XX/XX/XXXX " at best. '' That gives us ONE day to close, move, and clean if we even get to close that day. In my prespective we have missed XXXX closing dates. We went into a whole other month ( changing pre-paids, and many other scheduled peices ). I am about to have no where to go and no where for my belongings if we do n't close by Wednesday and it feels like no one seems to care. The appraisal being late is not our fault. The Tax Cert being incorrect and not fixed on time is not our fault. Yet we will be the ones to suffer. By contract, the builder will be allowed to take the home away from us that we have been building for the last ten months if we are not ready to close by Tuesday. The market price on our new construction home is already up $ XXXX which we cant afford so we can not lose this house! The broker claims to be doing all her can yet does n't sound like he can do anything but relay messages. The lender, XXXX XXXX, has made too many errors that are greatly affecting us and we feel no one is being held accountable. This is unacceptable to us, but it seems the lender and broker are just going along as if everything is fine and it 's okay to continue pushing our closing date again and again. | ||||||
| 06/24/2021 | Yes |
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| Official Complaint to the Consumer Financial Protection Bureau For HomeBridge Financial Services HomeBridge Mortgage Services XXXX, XXXX & XXXX On XXXX XX/XX/XXXX, my mortgage account at Homebridge Financial Services ( HFS ) was sold to XXXX XXXX as of today, HFS is inaccurately reporting information on my credit reports and XXXX, XXXX and XXXX will not assist in updating the inaccurate information despite receiving the attached information and dispute. The Issue On XXXX XX/XX/XXXX, the above property was satisfactorily paid off without incident. Also, on XXXX XX/XX/XXXX, I received a cancellation of security deed from the County of XXXX regarding the property initially financed through HomeBridge Financial Services. Unfortunately, as of XX/XX/XXXX, HomeBridge Financial Services is reporting the borrower ( me ) as 90 ninety days late and in pre- foreclosure which is untrue and is adversely affecting me both personally and professionally. I request your assistance in determining how/why Homebridge Financial Services is reporting me as 90 days late as of XX/XX/XXXX, when my mortgage account was transferred to XXXX XXXX in XXXX XXXX and the property was sold on XXXX XX/XX/XXXX. ( documentation provided ). XXXX XXXX did issue a letter of apology to me for the inaccurate reporting and has since updated the correct information to the credit reporting agencies as of XX/XX/XXXX. I am humbly asking that the CRAs review the documentation update the same way. I am currently going through the under-writing process again to purchase a new home and a flag in XXXX XXXX ( XXXX ) has stopped the process because it is stating that the property in pre- foreclosure and 90 days late as of XX/XX/XXXX. I am not sure where the mix up occurred, but my desire is to get this resolved immediately. I have emailed the contact us on HFS Corporate website and I was sent a message to prove where it is being reported in XXXX. I have also contacted all three of the CRA 's with the supporting documentation : * XXXX Letter of Satisfaction/Release of Lien *Cancellation of Security Deed from XXXX County Clerk of Superior Court *Email from XXXX XXXX stating account acquisition date and official pay off date * Email from XXXX XXXX Letter of Apology On XXXX XXXX and XXXX XX/XX/XXXX, I spoke again to a HFS customer service representative for assistance in getting this resolved quickly with two Homebridge Financial Services Customer Service Representatives from Purged Records and they advised me to contact HFS Research Department and so I did. The only information that was provided was a fax number of XXXX, I faxed this number as of today 5 times, 2x on XXXX XXXX, 1x on XXXX XXXX and 2x XXXX XX/XX/XXXX. I have called HFS every day for the last week for an update and all the customer service reps say is " IF '' the research department received the fax, they will eventually let me know. Unfortunately, I do not have a number directly to call and speak to the research department or an email address. At this time, I am not aware of the time it will take to research this issue or contact me but I ask for immediate assistance because as XXXX veteran, the home I am in the process of buying home that now fits my current medical needs and conditions is at risk. The one item that the underwriting team did state they needed was a letter written on HomeBridge Financial Services letterhead stating my name- account number and that the account was never in pre foreclosure status with HFS XXXX No one at HFS has done anything but give me the fax number to the research department and asked me to prove the error in XXXX XXXX before even trying to assist. The bottom line is this is unacceptable customer service even in the COVID-19 posture. Respectfully, XXXX XXXX XXXX XXXX | ||||||
| 06/08/2022 | Yes |
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| I have been working with the company in question to finance a potential house purchase for some time now - originally reached out to them XXXX, and then again in XXXX after taking a short break from house searching. In XX/XX/XXXX, I completed underwritten pre-approval for a {>= $1,000,000} purchase price with the same company, but was not able to lock in a rate until I went under contract for a property. After finally going under contract for a house ( {$970000.00} purchase price ), I was given a rate lock for for 4.375 % with 0.245 % points on XX/XX/XXXX. However, on XX/XX/XXXX I was suddenly told that I do not meet minimum tradeline requirements for the loan program the originator chose, and would need to re-lock in at 5.625 % with 0.533 % points, an increase of 1.25 % in interest and resulting in $ XXXXmonth increase in mortgage payments. When I inquired why that would be the case given that 1 ) I had already been underwritten pre-approved for a much lower rate, 2 ) that the loan product type ( 30 year fixed ) has remained the same, and XXXX ) that my financial circumstances have not changed, the loan originator working with me told me I had actually been pre-approved with a different loan program, and that she had switched them for the rate lock. However, I was never made aware that the rate lock was dependent on the loan program, and there is nowhere on the rate lock document that clearly states that is the case, only that the rate lock is with the loan origination company. I was also never made aware that the program the originator chose is different from the one I was pre-approved with. Additionally, I feel that the loan originator did not do proper due diligence in selecting the program, as the requirements and guidelines ( as far as I am aware ) are available to them and it was clear that I would have never qualified for that program. The closing date is XX/XX/XXXX for the house, and at this time I can not go with another lender as most can not close in such a short period of time - I have attempted to contact several since learning of the massive rate increase. The sellers are unwilling to give an extension to the closing date. So I am forced to accept the 1.25 % increase in interest rate, or risk losing my earnest money and the house. I have attempted to understand why I was not told about this or why the rate I locked is not being honored, but have not received a clear response. I asked the loan originator if there was someone I could talk to about this, but was told 'you can talk to my manager if you want but there's nothing I can do ', and never received manager contact details. I have tried to escalate this issue with the company through external means, but the phone number on the rate lock document returns 'the number you have dialed is not in service ', and the customer service lines on their website reach to some 'debt collector ' every time I have tried. I talked to the loan originator many times, and was told the very best she could do is give me .25 % points credit - meaning 5.625 % with 0.283 % points ... which is not a meaningful difference in the least. I feel incredibly deceived by this company. I can not find anything in the rate lock document that would suggest dependency on a particular program. Regardless, if I had known about this beforehand, I would have never agreed to this, and would have either locked for a slightly higher rate but guaranteed approval, or gone with an entirely different lender ( as at that point I had 31 days to close- well within reason for many lenders ). Instead, I am being coerced into accepting an enormous increase in interest rate, through no fault of my own. | ||||||
| 07/27/2018 | Yes |
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| I lost my job and started missing my mortgage payments. During the process of trying to repair my life, forclosure was filed against me. Before the foreclosure auction date that would have forced me out if my home with my children and no place to go, i was able to file bankruptcy to stop the foreclosure. During the first week of the bankruptcy i was offered a new chance at a secure life but it would require me to relocate to Florida. Being willing to do so and not wanting a bankruptcy on my credit, i stopped the bankruptcy proceedings, while same time i was fortuante enough to find a buyer for my home, so im thinking WIN WIN for everyone involved. My first action was to do a short sale so i contacted my mortgage company to start the procedure and thats when all the lies from them started. First, they agreed to settle for XXXX in the short sale but required the process to unfold as it was to do. During this time my buyer was ready to close within a few days and i shared that with my mortgage company. They assured me all would be ok and no problem, we would have this approved by closing date. Closing date came and i was told to ask my buyer to extend closing date for an extra week and once again, YES WE WILL GET YOU APPROVED BY THEN. After this went on and on and this one person who appeared to just enjoy delaying me time after time after time and demanding more paperwork after more paperwork after more paperwork ( most if it already submitted more than once! ) It came to be that my buyer decided to back out because of all the not organized procedure time and time again. Now my buyer was gone and all because i could not simply get a payoff letter from my mortgage company with the amount for payoff being what was agreed on. At that point i tried to speak to several people within the office that all promised the same thing ... XXXX '' CANT BELIEVE HE DID THAT TO YOU, DONT WORRY WE WILL GET THIS APPROVED FOR YOU SO YOU CAN MOVE FORWARD WITH YOUR LIFE. DONT WORRY ''! Now, after all of this back and forth work and talk to get to nothing resolved, i asked once again for the mortgage company to assist me. I told them WE AGREED TO SETTLE FOR XXXX BUT THEY FORCED MY BIYER AWAY, SO NOW, IM STILL REACHING OUT TO RESOLVE THIS AND TRY TO WALK AWAY WITH US ALL BEING AT LEAST CONTENT SO, WITH THE FEES AND INTEREST AND ALL ELSE THAT WAS ON THE CURRENT PAYOFF, IT WAS TO MUCH FOR MY BUYER TO EVEN CONSIDER BUT IF THEY WOULD SIMPLY WORK WITH AND TAKE SOME OF THE FEES OFF THE CURRENT PAYOFF, I COULD STILL MAKE THIS WORK AND HAVE THEIR MONEY IN 24 HOURS PAID FROM THE TIME OF ME RECEIVING THE PAYOFF LETTER, SO MY REQUEST WAS, YOU AGREED TO SETTLE FOR XXXX, YOU DELAYED PURPOSEFULLY AND FORCED MY BUYER TO BACK OUT, SO NOW THE PAYOFF IS XXXX, AND WHAT IM ASKING FOR IS TO SIMPLY GET MY PAYOFF FROM XXXX BACK TO AS CLOSE TO MY ORIGINAL PAYOFF OF XXXX AS POSSIBLE, AND ILL PAY THIS OFF IN 24 HOURS! AFTER ALL THE PROMISES YET ONCE AGAIN OF YES SURE WE CAN DO THAT, then next day NO WE WONT DO THAT, MY MANAGER SAID NO, and me speaking once again to an entirely new set of people all saying the same thing ... .YES WE WILL GET THAT DONE AND THE NEW PAYOFF LETTER TO YOU SHORTLY to now, NO, WE ARE KEEPING THE PAYOFF AT XXXX. Im at the point of nervous breakdown and all of this appears to simply be due to someone sitting at a desk playing with my life, and i have proof if all said, and its just not fair. So many complaints against this company after i finally looked to see what others said about them and now i feel trapped with no way out. | ||||||
| 09/01/2021 | Yes |
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| The XX/XX/2021 loan officer XXXX XXXX at HomeBridge Financial Services XXXX XXXX Homebridge Financial Services Mortgage Loan Originator | NMLS # XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, AZ XXXX Branch NMLS # XXXX asked me questions about my XXXX and that had nothing to do with the loan since I proved I am XXXX due to recieving SSI. She directly asked me HOW DID I BECOME XXXX, WHAT WAS MY XXXX " AS IN '' WHAT CAUSED IT, AND WHAT KIND OF WORK DID I DO BEFORE I BECAME XXXX ''. That was an invasion of privacy and my rights as a XXXX person and I felt like she was verbally forcing me to answer the questions because we were going thru the actual loan process application over the phone when she asked me this question. She is part of the reason I decided to forget about applying in Arizona altogether. I did not finish the application process after that because I was uncomfortable with her and her the company she represents after this happened, she probably disclosed ALL my personal information she got to others she works with or knows, so I will not be using this servicer for a mortgage. I did however request a written letter asking for a credit decision based on the application information she took over the phone that she did the underwriting numbers for so I can save it for my records TO which I not too long after cancelled because of her adverse actions and they company contated me with a diffrent loan officer and I declined based on not wanting to do business with HomeBridge as a whole. ntire Conversation with Ms. XXXX from start to finish is attached as an audio file HERE ON XXXX XXXX LINK COPY LINK DO NOT SHARE THIS LINK OR ITS DOWNLOAD OUTSIDE OF THIS GOVERNMENTAL INVESTIGATION DUE TO THE SENSITIVE PRIVATE INFORMATION ON THIS AUDIO IN ORDER TO PROTECT MYSELF AND OTHERS SOCIAL SECURITY NUMBERS AND OTHER IDENTIFYING INFORMATION TO AVOID THIS INFORMATION BEING COMPROMISED BY POTENTIAL IDENTITY THIEF XXXX XXXX XXXX XXXX Ms. XXXX knowing I receive SSI is her " being aware of my apparent XXXX '', she is aware even though she did not know the exact XXXX before asking me what it was, she knew of my legal XXXX status based on my SSI income. So she broke the law based on that fact. The whole conversation was uncomfortable for me past when she began asking me the direct XXXX questions. I was on the phone with her for over an hour so I had to endure a long time 'after the fact '' of her violating my rights. I LOST A POTENTIAL HOME LOAN BECAUSE SHE DECIDED TO DO THIS, I COULD HAVE POSSIBLY GOT A HOME FINANCED. She also told me my income was too low and that she will not be helping me get a loan on my SSI income alone and that I have to have my son on the loan because he works, something I really did not want to do. I later applied with the STATE OF CALIFORNIA calhfa.ca.gov. AND WAS PRE-APPROVED QUICKLY WITH MY SSI INCOME FOR A HOME LOAN BASED ON JUST MY CREDIT AND JUST MY SSI INCOME ALONE. I ALSO HAVE THAT PREAPPROVAL LETTER ATTACHED AS A PDF FILE, AS WELL AS EMAIL MESSAGES FROM HOMEBRIDGE. THIS WAS OUTRIGHT XXXX DISCRIMINATION AND EVEN SOME STEERING BY MS. XXXX WHO KEPT SUGGESTING WHERE I SHOULD AND SHOULD NOT MOVE IN ARIZONA BASED ON HER THINKING I WOULD NOT BE ABLE TO LIVE IN CERTAIN AREAS IN HER OPINION. I BELIEVE HER OPINION WAS BASED ON MY XXXX STATUS. " If a lender tries to feel you out to see if you're suffering from any serious health problems or questions you " directly about an apparent XXXX '', that's a violation of your legal protections. | ||||||
| 12/22/2020 | Yes |
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Hello, I have been trying to resolve an issue with my mortgage company, Homebridge Financial, for over a month now. It seems the lender is picking up an incorrect amount for my taxes, an amount based off of a tax relevy from when I bought the house, which is no longer in place.
I have reached out to the receiver of taxes at the Town of XXXX XXXX NY and they have assured me that there will be no relevy on the property for any future taxes. I started reaching out to Homebridge regarding this issue on XX/XX/XXXX ( timestamp : ~ XXXX ). I explained the situation to the customer service rep. I told the rep that I had a letter from the town verifying the correct tax amount. The Homebridge rep gave me an email ( XXXX ) to send over the paperwork from the town. I sent that email the same day, XX/XX/XXXX. The issue hadn't been resolved when I checked XX/XX/XXXX. I have since made two additional phone calls to the company ( XX/XX/XXXX ( timestamp : XXXX ) and XX/XX/XXXX ( timestamp : ~ XXXX ) and sent XXXX emails on the matter ( once again to the email above on XX/XX/XXXX per the customer service rep and to a different email address XXXX XXXX ) on XX/XX/XXXX, per a different customer service rep ) and still, no resolution. On the XX/XX/XXXX phone call, I was told that the original email address I was being told to send the paperwork to was an older address and should have never been given out. The last two reps I spoke with ( XX/XX/XXXX rep and XX/XX/XXXX rep ) said they would personally call me back to confirm the status of the issue by the end of the week and neither of them called to confirm. It's been incredibly frustrating because every time I call, I'm on phone for a while ( the last call was almost 2 hours between reps! ) explaining everything all over again and nobody has the power to resolve the issue, nor can they put me through to actual tax department who will be handling the complaint. I'm told that department has no phone number. None of the reps will send anything to me in writing about this complaint or how they are trying to resolve the issue. Additionally, I had asked the rep on XX/XX/XXXX if I should be making my regular payment or the new adjusted payment for XX/XX/XXXX and she said to send my regular payment. She said they would see that they were asking for too much and resolve it. But that's not what happened. Now Homebridge is saying I'm short for XXXX and that my XXXX payment will be returned if it's not at this higher amount. This will then affect my credit. Until this gets resolved, my mortgage bill has been increased by over {$300.00} a month, which is an unfair ask for a consumer to lay out right now, especially since it's based on Homebridge Financial 's negligence to verify taxes. Homebridge is making this way too difficult to resolve. This feels like a scam on the consumer. Is Homebridge Financial purposely not verifying taxes to help cushion their bank account at the expense of their borrowers in this time of uncertainty? I can forward any original emails and the most up-to-date letter from the Town, upon your request. I hope you can help me take care of this issue. It has been very stressful and is tarnishing my immaculate credit and good name. Please reach out for any additional information you may need. Thank you in advance for helping me with this issue! |
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| 01/12/2018 | Yes |
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| In XX/XX/XXXX, Homebridge Financial Services ( " Homebridge '' or the " Company '' ) approved me for hardship trial payments commencing in XX/XX/XXXX. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I timely made the required trial payments and the Company indicated that I was eligible for the Home Affordable Refinance Program. Despite the fact that the modification included a higher interest rate, I was anxious to participate in the program based upon my hardship. Accordingly, I submitted all documentation requested. At the expiration of the trial period in XX/XX/XXXX Homebridge was still not ready with a modification agreement, but they promised that I was on track and instructed me to continue making trial payments. I have submitted every payment, on time, each month. Finally, in XX/XX/XXXX, Homebridge forwarded a modification agreement for me to sign which I immediately executed and returned to them. After repeated failed attempts to finalize the Modification Agreement, Homebridge still has not executed it or recorded the Agreement in my county 's deed records. Furthermore, they continue to send delinquent statements that include late fees each month ( including coming on to my property to attach notices to my front door ) that indicate that I have not been making my payments and billing me the incorrect amount. Myself or my wife ( authorized on the account ) have called or e-mailed the Company no less than twenty times in the previous six months to notify them of the error. Each time, I 'm only permitted to speak with the customer service representative that answers the phone and they give me a different answer each time. Some examples include " the signed agreement is with the County '', " we are in the middle of a corporate buyout '' and " the agreement is at the attorney 's office ''. These contradictions make it clear that Homebridge is either incompetent beyond explanation or just plainly fraudulent. Often, the Company does not even bother with an untrue explanation and simply state that they will call back with more information. They never call back as promised. The only calls that we receive are collection calls requesting a payment. Yesterday, for example, the customer service representative indicated that a loss mitigation specialist would call back " immediately ''. As expected, the call never came. I 've attached a couple of e-mail examples that demonstrate the Company 's failure to communicate with us. I submitted a complete application for modification almost one year ago and have not received a single ECOA notification. My understanding is that one of the policy reasons for the notifications required by ECOA was to prevent Company 's from dragging customers through the application process. That is exactly what Homebridge has done. The conflicting information, failure to communicate and failure to complete the process is causing a great deal of hardship for my family. We entered the program in good faith and have complied with every request and requirement. Nevertheless, our mortgage is still reporting delinquent ( despite almost a year 's worth of on-time payments ), we are still getting delinquent statements that include late fees and have complete strangers coming onto our property to hang contact notices. | ||||||
| 11/27/2019 | Yes |
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| My name is XXXX XXXX, I live at XXXX XXXX XXXX XXXX Colorado in XXXX XXXX County. Loan number XXXX. I am making a complaint about Homebridge Financial Services and the way they handled my loan modification. I got behind on my mortgage when my husband passed away in XXXX. My house went under foreclosure while I was going thru the loan modification process with HomeBridge Financial Services. I got the loan modification finalized on XX/XX/XXXX. The foreclosure lawyer that my financial institution used, stopped handling cases in Colorado and somehow my case got lost in the mix. The lawyer who was working on this foreclosure never filed a withdrawal of Notice of Election with the XXXX XXXX County Trustees office to take my house out of foreclosure when the modification went thru. The lawyer that was handling it not taking cases in Colorado and will not tell me who they forwarded my case to because I am not the Mortgage comapnay. I found this out only due to the fact that I am trying to sell my house now and the Trustees office will not release my title until Homebridge Financial Services files the withdrawal of Notice of Election. I have been working with XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX Colorado, and for 6 weeks now, since XX/XX/XXXX we have been doing work on trying to get this resolved with the financial institute. I have contacted the mortgage company on several occasions starting on XX/XX/XXXX at XXXX mountain time to authorize the title company to get any and all information on my account for the 3rd time. Then starting on XX/XX/XXXX I called at XXXX mountain time to try myself to solve this issue and I talked to a Mr. XXXX , a supervisor out of the Arizona office , who told me to give them 72 hours for a response from the foreclosure department. So I Called Friday XX/XX/XXXX at XXXX ( mt ), XXXX ( mt ), and XXXX ( mt ). Tried to get ahold of Mr. XXXX and I never got a response. I called again on Monday XX/XX/XXXX at XXXX ( mt ) and left a message for Mr. XXXX to call me back again and I never heard back. I called again on Wednesday XX/XX/XXXX at XXXX ( mt ) and talked to a different person about the problem and they finally sent me to the loss mitigation department where the lady I talked sent a e-mail to a supervisor and told me to give them 72 hours for a response again. Finally on XX/XX/XXXX I called again at XXXX ( mt ), at XXXX ( mt ), and at XXXX ( mt ) which ended with getting transferred to the default department and then transferred to customer service with whom I talked to XXXX in the Arizona office and she said she could send a email to the trustees office stating I was not in foreclosure hoping that it would be enough, and that she would mail me a copy of the email she sent. XXXX at the title company nor I have gotten a resolution or a response from this company. The closing was supposed to be XX/XX/XXXX and now it has been pushed back do to lack of cooperation from Homebridge Financial. All I want is them to contact XXXX XXXX County Trustees Office in XXXX Colorado and file the withdrawal so they will release my title. The foreclosure should not be in effect any longer, even every person I talk to at Homebridge Financial Services says it should not be this way. | ||||||
| 04/21/2016 | Yes |
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| I XXXX XXXX am a local XXXX XXXX. I had a listing where a homebridge employee ( XXXX XXXX ) was helping a buyer obtain financing to purchase the home. XXXX XXXX, Branch Manager XXXX HomeBridge Financial Services , Inc . XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX o : ( XXXX ) XXXX f : ( XXXX ) XXXX XXXX : XXXXXXXXXXXX web : www.HomeBridge.comXXXX On XXXX/XXXX/2016 the lender called me on the phone and started cussing and yelling at me. I asked that he not contact me and disconnected the call. On Apr XXXX, 2016, at XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX ; wrote : XXXX XXXX is copied on this email and he is whose time you would be wasting with this. He is my Regional VP and my direct report. XXXX XXXX, Regional Vice President HomeBridge Financial Services , Inc . XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX o : ( XXXX ) XXXX c : ( XXXX ) XXXX f : ( XXXX ) XXXX XXXX : XXXXXXXXXXXX web : www.HomeBridgeInc.com & lt ; XXXX XXXX XXXX XXXX , Branch Manager XXXX # XXXX HomeBridge Financial Services , Inc . XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX o : ( XXXX ) XXXX f : ( XXXX ) XXXX XXXX : XXXXXXXXXXXX web : www.HomeBridge.comXXXX XXXX XXXX, Loan Officer Assistant XXXX # XXXX c : ( XXXX ) XXXX f : ( XXXX ) XXXX XXXX : XXXXXXXXXXXX The HomeBridge Vision : We aspire to be the most recommended home mortgage company in the country. Hear for Yourself : Click here for a closer look at the HomeBridge culture From : XXXX XXXX [ XXXX : XXXXXXXXXXXX ] Sent : Thursday, XXXX XXXX, 2016 XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX ; XXXX XXXX Subject : XXXX : FHA amendatory clause for XXXX XXXX XXXX, The moment anyone raises their voice or starts using inappropriate language, is when I end the conversation. I will be reporting your call to me with corporate. Sent from my iPhone XXXX LIKE Best Regards, XXXX XXXX Realtor XXXX XXXX : XXXX XXXX " Do you want to work with an agent who actually KNOWS XXXX like the back of his hand and lives/breathes Real Estate each and every day? Or do want an agent who simply finds a few houses to look at and may or may not have the negotiation skills to even close on a house? The choice is obvious. XXXX XXXX has seriously been a lifesaver when it comes to listing our homes and getting over asking almost every single time!! Not only that but his local knowledge and expertise is impeccable. Whether you 're looking for a luxury condo with all the bells and whistles or a first time home for your children, give your trust to XXXX. He 's never let us down : ) # XXXX '' ( Review from XXXX by XXXX ) On XXXX XXXX, 2016, at XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX wrote : No one here is to accept or call back XXXX he may call me back if he decides to stop hanging up the phone. XXXX XXXX, Branch Manager XXXX # XXXX HomeBridge Financial Services , Inc . XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX o : ( XXXX ) XXXX f : ( XXXX ) XXXX XXXX : XXXXXXXXXXXX web : www.HomeBridge.com/XXXX On XXXX/XXXX/2016 The lender XXXX XXXX called with a threat at XXXX and said " real classy, I hope you 're going to be at closing tomorrow, because I will be, and I 'm looking forward to seeing you ''. He has since harassed me on social media through XXXX | ||||||
| 08/23/2019 | Yes |
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| HomPlease review document below to show that previous loan was held and serviced by Homebridge. It is very concerning that no one was able to find this information and goes to more on why there is still a significant portion of our original escrow account that is missing. If customer service is unable To find customer documentation it raises questions on what other things are not being done especially with the issues I have been reporting for awhile now about how a huge portion of our escrow account has gone missing with no explanation from Homebridge, your loan officer or affiliates on where our money went. Homebridge held out first mortgage when we purchased our first home in XXXX of XXXX and we refinanced with Homebridge and their loan brokers in XXXX of XXXX. At the time we had an Escrow Account of over $ 6k and our Homebridge loan officer and notary both had told us our escrow account of $ 6k+ would transfer over to the new loan. I have included text messages and communication of the confirmation of transfer of funds. We are going on months with no explanation of where the funds have gone and now no more communication from any of the parties involved. We then decided to escalate the complaint with Homebridge customer service as our Homebridge loan broker stopped responding after telling us it was originally transferring over and that we would get a breakdown report. Homebridge customer service has been just as bad in communicating and getting us a breakdown of what happened to our escrow account as there is over $ 5k+ missing that has been unaccounted for and no explanation of where it is after we were told it was going to be transferred over. They opened our new Homebridge Escrow account with {$960.00} which doesn't account for the rest of the funds and never received a breakdown after being told it would transfer over. Have been going back and forth with Homebridge and no accountability or any communication, instead they tell us that they never held the first loan which is a sad state of their records as we had our first mortgage with them and refinanced with homebridge and have documentation to show both. We are first time home borrowers and Homebridge has been nothing but a nightmare to deal with, should have never refinanced with them as we were lied to and no one takes any ownership or is willing to help instead denies factual evidence that they have always been our lender for both mortgages. We had a problem with them earlier in the year which Homebridge customer service denied after months of nightmares dealing with their customer service. At that occurence we had to file a claim with the CFPB and we were ruled in our favor but it wasn't until then that they took ownership. Again we are asking for your help as Homebridge has since locked us out of accessing past records for our old loan but I still have copies and have included them in the attachments. They have lied and said they didn't hold the first loan which they did and most importantly we have never been told what happened to our $ XXXX extra in our escrow account and they have provided no records or help in finding it most likely taking it as an unauthorized commission. | ||||||
| 06/21/2017 | Yes |
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| We closed with XXXX XXXX XXXX in XXXX 2015 on a XXXX rehabilitation loan to finish a basement. The loan officer and FHA inspector recommended the same unlicensed contractor to finish the basement. The FHA inspector told me not to hire my own contractor because this type of loan requires a contractor that owns a business that is financially capable of beginning work without needing a down payment from the homeowner. The loan also requires bank approval of the contractor and that contractor has to be licensed. The mortgage company approved a contractor who fraudulently sent them the license of another contractor. After I fired the unlicensed contractor, I asked the bank for a copy of the license the contractor sent to them for approval. The contractor sent a contractor 's license ID # to the bank that belonged to someone else and they sent a copy of this license to the bank with a name on it that does n't match the names or signatures on the contract. Sadly, the bank approved this contractor even with paper work that is clearly fraudulent. The contractor recommended by the bank had obviously committed fraud on a federal loan document and THE BANK REFUSES TO DISCUSS with me how a contractor requiring bank approval in order to begin work with this type of federal loan could be approved when the license the contractor sent had the name of another person not included on the contract. Any meticulous person who does a good job can see that fraud has occurred. I would be remiss if I did not mention th at during all of the many problems, XXXX XXXX changed its name to Homebridge Mortgage. I was told by a manager that Homebridge only purchased some of the assets of XXXX XXXX , but I do n't know how this is possible since they never sent me notice of my mortgage being sold to another bank which I know is required by financial banking laws. I found out XXXX XXXX changed its name only after sending an email to someone managing my loan who then told me their email address changed due to XXXX XXXX turning to Homebridge. I have several emails to prove this. Back to the problem at hand ; the former contractor did work that was not up to code, did not pass inspection and had to be demolished and rebuilt. They also received money paid from my loan for work they did not complete and that did not pass inspection. They left several pounds of trash in my back yard that I had to pay to be removed. After several months of dealing with an unlicensed contractor ( that the bank recommended and approved ), I had to pay a newly hired contractor {$4600.00} to clean up, repair and rebuild what the unlicensed contractor had done. Not to mention the bank paid out {$5400.00} to a contractor for work that was not complete and did not pass inspection. The contractor they approved who clearly was not licensed. I have copies of all of these contracts and the bank sent me the copies of the fraudulent documents submitted by the contractor that anyone can clearly see are fraudulent. The bank refuses to discuss this with me still. | ||||||
| 06/18/2016 | Yes |
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| HomeBridge Financial Services failed to make my escrow disbursement for XX/XX/XXXX property taxes to XXXX County Tax Office. Since my loan is escrowed, my mortgage servicer has a duty to make timely escrow disbursements under federal mortgage servicing law. I received my first XXXX Delinquent Tax Statement XX/XX/XXXX and called HomeBridge immediately and was told that payment had been made on XXXX XXXX, XXXX in the amount of {$4200.00}. However, delinquent notices continued to appear and nonstop phone calls from 3rd party lenders regarding Texas Property Tax Loans. XX/XX/XXXX, and XX/XX/XXXX, I continued to make contact with HomeBridge hoping to find a solution to this embarrassing and most stressful enigma-only to no resolve. My loan was then transferred to XXXX XXXX as of XXXX XXXX, XXXX. After which, I received a Notice of intent to place a lien on my property for the delinquent taxes. If taxes remained unpaid, the lien may be foreclosed on. On XXXX XXXX, XXXX @ XXXX, I spoke with XXXX in the tax department and faxed delinquent statements to XXXX. I was asked to follow-up on XXXX XXXX, XXXX. I did so and was informed that on XXXX XXXX, XXXX a bulk check # XXXX was sent to my tax office in the amount of {$5300.00}. HomeBridge representatives has continued to provide me with false information and my property taxes remain unpaid. On XXXX XXXX, XXXX, I received a call from a HomeBridge representative regarding the situation and was told that I should have paid my taxes with the surplus check which was mailed in the amount of {$4100.00}. I explained that upon receiving the check, I made a phone call to ensure this was in fact payment being returned for escrow overage. However, the representative was very rude and told me HomeBridge sent that in error and I 'm now responsible for paying my own property taxes for XXXX. I explained that the amount sent was not enough to cover property taxes, penalties and interest. He stated " It 's not my problem. You 're responsible now and I do n't know what else to tell you. '' XXXX XXXX made the delinquent tax payment on XXXX XXXX, XXXX in the amount of {$4200.00} and {$540.00} for penalties and interest. As a result, my escrow account now has a shortage of approximately {$2000.00} ; which will cause my payments to increase monthly after they conduct an analysis. My wife and I have and continue to experience a great deal of emotional distress due to HomeBridge Financial Services ' negligence in maintaining the day-to-day management of our loan, including making escrow payments and in a timely manner. I feel that I 'm in this battle alone and fighting an undefeatable battle. I have never missed a payment and should not be punished for the negligence of my assigned mortgage servicer. HomeBridge Financial Servicers has not accepted responsibilities of their actions or lack of. They 've continued to provide me with false information and there 's very suspicious activity regarding payments received and reversals on my transaction statements since the refinancing of my property XX/XX/XXXX. | ||||||
| 03/30/2022 | Yes |
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| - XXXX XXXX XXXX XXXX XXXX XXXX is I guess released - XXXX XXXXXXXX we purchased our home financed with Homebridge Mortgage Company ( HB ), we were required to get flood insurance which we did with XXXX XXXX XXXX XXXX ). - XXXX XXXX HB sent XXXX-home insurance branch a notice stating that the loan had been refinance. - XXXX XXXX we refinanced our loan with Homebridge, the loan stayed with HB. - XX/XX/XXXX HB sent a letter to XXXX-flood branch that the loan had been paid in full and to remove them from the account. It had not! We continued our mortgage with HB until they sold it to XXXX in XXXX of XXXX. - XX/XX/XXXX we get a bill from XXXX, we call XXXX to confirm if payment is required, they stated no, HB has payed it you don't need to worry about the bills your escrow account covers it. - XXXX XXXX annual flood insurance premium was payed by HB to XXXX. Insurance is now good from XXXX - XX/XX/XXXX we get a letter from HB stating our mortgage has been sold to XXXX. But that all insurance companies will be notified. - We make a XX/XX/XXXX payment to HB. In the escrow disclosure it shows they had the annual amount ready, it was never transferred. - XX/XX/XXXX we get a call from XXXX stating as such. The last day of the window. Even though all the correspondence we have from them states " Premium Payment Penalty- To avoid a lapse in coverage, payment must be received within 30 days of the expiration date of the policy. If payment received more than 29, but less that 90 days after the expiration, the policy will be reinstated with a 30 day waiting period. The new effective date of the policy will be 30 days from the receipt of payment. If the Alternate Coverage is selected a 30 day waiting period may be required. '' - XX/XX/XXXX XXXX XXXX goes into effect. - XXXX is saying it is HBs fault for not updating the paperwork correctly for the Flood policy. And HB is saying it was never sent a bill for the insurance even though they should have paid it with the XXXX XXXX release of funds. XXXX won't follow their own policy blaming XXXX because now we MUST have a new policy ( which contradicts the legal disclosures on paper correspondence ) and our new mandatory flood policy with XXXX is not {XXXX} per year, but an additional {XXXX} per MONTH. We are not being given any other options, neither HB or XXXX are disclosing communications they have had with each other to us the person paying the bills. No one disclosed this to us. XXXX lawyers and communications department did no outreach to effected consumers. HB filled bad paperwork and now my family is being punished for not knowing the rules of the game. How is this legal and fair practices? The XXXX XXXX states that increases are to be done gradually. This is not gradual. We understand that this is coming but we can not afford this insane of an increase right away. Please help us. We need time. The only policy documents that explain our flood policy in detail are dated XXXX which does not reflect the XXXX adoption of XXXX XXXX XXXX. | ||||||
| 11/27/2017 | Yes |
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| Home Bridge Financial failed to uphold it 's part of it obligation in servicing my 203 ( k ) loan. They did not properly vet the contractor. After speaking with police, the person we thought was a contractor is a con man. He does not hold a valid contractor 's license. He can not perform any work in our city. As required by the HUD guidelines it is up to the mortgage company to ensure that the contractor is licensed, certified, and can perform the work required. Home Bridge failed to to this. They certified a person who had no experience with construction work, was not licensed and could not complete the work. That would be forgivable if it were not for what happened next. According to my agreement with home bridge as evidenced in the attached documents, and to the HUD FHA Single Family Handbook, Home Bridge is supposed to ensure that all permits have been pulled before releasing any money from our escrow account. Yet Home Bridge released more that {$35000.00} to a con man without a single permit being pulled. In fact there is literally no way the " contractor '' could have gotten a building permit since he is n't licensed. When I begin to have issues with the contractor that seem insurmountable I contacted Home Bridge. Up to that point I thought I was dealing with a licensed contractor who was working legally. Our HUD consultant told us that the work was done and getting done correctly, and we, being completely new to this process believed that. It was not until it was pretty obvious that something was wrong that we realized it. We went to License and Inspections to try to get more information. It was then that we discovered that there were no permits on our property. In fact no one had ever tried to apply for a permit in at least 4 years. Confused and angry we called Home Bridge. We knew that we had signed a document that stipulated that money could n't be released without permits. We knew that money had been released. And we knew that no permits were submitted or granted. We did not yet know that this person was not even licensed. Home Bridge flat out denied that they had any obligations to check out our contractor 's background. The also denied knowing if permits were required before the draw. They denied that the HUD FHA Single Family Handbook had any guidance on their procedure. I have sent them numerous emails. I have made several phone calls, and i have tried to work this issue out with them. What upsets me most is Home Bridge, despite violating our contract and the FHA guidelines, demands that I and my husband pay for their mistakes. Even if we did " pick the contractor '' we did so in good faith and from the position of first time home owners. Home Bridge was supposed to be a check on our inexperience. They we supposed to make sure this situation did n't happen. Instead it seems as though the did not do what was required of them and are content to ignore the issue while demanding that we pay them money they had no right to give in the first place. | ||||||
| 10/29/2018 | Yes |
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| This is a continued case from Compliant # XXXX I received 2 calls both a message with no person 's name just a voicemail to call HomeBridge and a phone number. ( Very unprofessional ). When I called back they said that everything is cleared up on my account and that I did not owe any past due amounts. They said I would receive a letter any day about them sending a notice to a 3 credit agencies to remove any negative marks. ( I did received the letter ). After our conversation ended, the rep called me back and told me that I actually overpaid all this time {$2700.00} and asked if I wanted a check. I told the rep that it was suppose to be applied to the principal all this time. I told him I would discuss with my Husband and my bankruptcy attorney. I received the 2nd call no name just voicemail and I called back they said my loan will be transferring to a new mortgage company. I told the lady rep that I wanted them to apply the {$2700.00} to the principal. She said she would make note. In regards to the letter from Homebridge ( see their response on the previous C ase # XXXX. My comments to this letter are : I received a escrow statement they sent to my lawyer every year except XXXX. By LAW they are to send every year 's escrow payment to the bankruptcy lawyer and file with the court. They did not do this for XXXX. My bankruptcy confirmed they did not file with the courts per court records. Homebridge does say due to an inadvertent staff member error .... I never saw a past due amount on the escrow statements I received in XXXX and XXXX and paid what the new amount was. The letter further says that I told them to apply part of the {$2700.00} over payment to my XXXX mortgage and apply the balance to the principal. I did NOT tell the rep this. 1st of all I had already paid my XXXX payment. I told her to apply all the {$2700.00} to the principal. They need to go back to the RECORDED call! I do not yet again want the {$1700.00} I just paid for XXXX mortgage to be setting in Homebridge 's savings account getting interest when I said to apply all of the over payment to the principal. All of this time that I have been paying extra to go toward the principal was going to Homebridge 's account earning interest for them while they were sending remarks to my credit agency. This also caused me to pay more on interest since it was not being applied to the principal. I do not think this is fair. Finally there is a Monetary relied amount listed of {$340.00}?? What is that? I haven't seen that and that is nothing compared to this mess and time I have to waste on something due to HomeBridge 's employees errors. To make this all worst!! I received another statement 2 days ago with past due amounts AGAIN {$1300.00} pre bankruptsy and {$1800.00} past due???. This is not cleared up and now this will be reported to the credit agencies again! I would like these past due amounts to be taken off my account ( see statement attached ). I may have to take additional means to get this cleared up. | ||||||
| 12/30/2019 | Yes |
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| On or around XX/XX/XXXX, I called my mortgage company Homebridge financial, to find out if I was still signed up for auto pay. The representative I spoke with said that indeed, I was not on auto pay and would need to make a payment for my mortgage over the phone. I did this at her request. The following day and additional mortgage payment was drawn from my bank account causing me to go overdrawn. Apparently I still was signed up for auto pay, even though the representative told me I was not. When I spoke to Homebridge, they informed me that that there was nothing they could do but to have a check refunded back to me which would take 15 days. Meanwhile my bank account was overdrawn for the amount of my mortgage payment which was over {$2000.00}. I informed my bank of what was happening, and asked them to put a stop payment on the second mortgage payment that had been debited. The bank did so. After many many phone calls to Homebridge to sort out the problem, they then said that I actually still owe them a mortgage payment when it clearly said in my bank account that they had already been paid. I even gave them the debit transaction number stating the amount that had been debited and that has shown in my bank account that had been debited. Each representative I spoke with, and there were probably 10 to 12 different people including supervisors and managers that I spoke with, told me different information. Information that conflicted with what the previous representative told me. I also requested a copy of my note on 4 to 5 different occasions. It took over 15 days for me to get a copy of my note. When I inquired why it was taking so long and why I had to request so many times, each representative informed me that it was either a wrong work order that had been put in or some other bogus reason why the request could not be granted. Finally I had a third-party from my bank get on the phone with me and speak with a supervisor to get some resolution. We requested a copy of the note be faxed to us, to which the representative told us it should get to us within 4 to 8 hours. Nothing happened. Several days later a fax showed up that looked like a note but it was completely illegible. Homebridge argued with me back and forth for 19 days, each time I was the person who had to call them, even though I had requested call backs to help resolve the issue. They told me I had to make another payment because it still showed I hadnt paid regardless of what my bank said. In order to not have negative impact to my credit, at this point I made another payment. To add insult to injury, they charged me to make this payment over the phone and then added late fees into the payment. This is the most ludicrous, inept, unprofessional, boardering on illegal, company I have ever had the displeasure of dealing with. They still have XXXX of my hard earned money, my bank statement proves it. But they are saying too bad. | ||||||
| 06/23/2021 | Yes |
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| This is a follow-up complaint against Homebridge financial ( previous complaint # XXXX XXXX. I was told that a supervisor would call me, and I have yet to speak with a supervisor. Homebridge said they would remove the negative credit reporting. My credit history still reflects negative reporting from homebridge. Everytime I made a payment and while making additional payments to pay down my amount they would report that I needed to pay more the balance was not going down with the payments I continued to make. The amount continued to increase and not decrease. They always included extra fees and resons why I was paying money towardsHomebridge told me to make payments ( amounted to $ XXXX ) during the forbearance ; after taking money from my XXXX I paid Homebridge what I owed to become cureent. I called a representative she told me that I was current, The representative admitted she also heard the same call, and I then told her another representative told me they would not report my account negative and I was told they would listen to the call where the rep told me incorrect info about my account, they followed up and told me they no longer had any of those calls. Then I told them I would like to speak with a supervisor, and I was told the supervisor was out at lunch ( the call took place around XXXX in the XXXX ). I was told the supervisor would call me at XXXX XXXX, but I received no call. I have yet to receive a call or resolution. I still have no resolution, and homebridge is not taking any accountability for their reps repeatedly misinforming me and taking my payments, and telling me I had to pay during the forbearance to become current on my loan. They took my money, promising me they were going to bring my account current and would not affect my credit. They also told me all of my money would go to cover my interest and payments and that I should make the payments which they did not. They paid taxes with the $ XXXX I gave them and not paid any of my previous payments. Please help. I've been going through this cycle with HomebridgeXXXX over a year without any resolution ; I'm never able to speak with the same rep. I can not move on in my life because they are reporting 3 months of missed payments. They confirmed that their reps lied to me and are unwilling to follow up with me. They have not removed the negative reporting even though they confirmed they heard a recording where multiple people misinformed me and also confirmed my account should have reflected current, and they have the recordings and still haven't fixed my credit. Please help!!! I took all of my money from my 403b during the pandemic to secure my home for my family, and I am trying to move on, but Homebridge is hindering me. I asked for a copy of my tax payments, escrow payments, homeowner insurance payments, communications from homebridge, and transcribed copies of the recording/conversations. | ||||||
| 07/24/2018 | Yes |
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| My request for a loan modification begin XX/XX/XXXX thru present date XX/XX/XXXX, over a year pending final loan modification payment. With me on multiple occasions, submitting, resubmitting, consistently completed required requested documents to Home Bridge Financial Services and with a successfully completed trial payments of {$1600.00}, from XX/XX/XXXX thru XX/XX/XXXX. I called Home Bridge Loss Mitigation Department XX/XX/XXXX, regarding a major concern with my modification/trial payments of {$1600.00} as to why such an outlandish monthly amount. With all requested hourly pay check stubs submitted and confirm receipt from the company to review. I was directed to speak with Mr. XXXX XXXX ( Underwriting ) to address my concern. XX/XX/XXXX I had the opportunity to speak with Mr. XXXX on a recorded line regarding the calculations of my successfully paid trial payments {$1600.00} and addressing the outlandish amount of final modification payments of {$1600.00} and an increased interest rate. Mr. XXXX stated let me take a look at your package we received. He noticed and stated that my check stubs reflect 2-months of high overtime hours 50+/70+, my response yes that would be XX/XX/XXXX & XX/XX/XXXX peek mandatory months, with co-workers on vacation or out and due to annual year-end closing of company books. XXXX XXXX, acknowledge that he saw/see the error that the overtime was calculated as 12 months as oppose to the 2 months based on pay by the hour as reflected on check stubs and said that HUD cause the error. Im not by any means interested in finger pointing, my FOCUS/DESIRE is maintaining my home with a correct recalculated lower monthly payment and interest rate until paid in full for my children & me. I've provided the complete re-modification package more than once and all information required was provided within the allotted time frame. The mortgage company should honor the fact that they made the error and correct it based on the dates and information they've ALREADY Consistently and Variously received. Their negligent behavior has taken a toll on not only me but my family and I'm now being told we may soon have to vacate our home, leaving us destitute and homeless if i don't come up with $ XXXX per their letter they mailed me received XX/XX/XXXX and XX/XX/XXXX for {$9600.00} that their attorney letter stating i need to pay to avoid foreclosure. This within itself shows error and conflict of information within the Mortgage company and information they're providing to their attorney 's office. This is Mentally stressful and a depressing state of mind to be in with a desire to keep my home. To keep my home i did re-submit the package via ( email, certified mail to Home bridge ) that Mr XXXX XXXX Underwriting department advise his colleague to send me via email Ms. XXXX XXXX Loss Mitigation department. | ||||||
| 02/17/2021 | Yes |
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| On XX/XX/2020, I received a call from a Mortgage Loan Originator, XXXX XXXX, from XXXX XXXX XXXX, in XXXX, NJ, regarding my online inquiry. After speaking for a few minutes, asking what their current rates were and letting XXXX know I just started to shop around with different lenders to refinance and shared what another lender was offering my wife and I to see if Homebridge rates would be comparable, he began telling me to watch out for brokers. I explained the quote I received was from a lender, not a broker. XXXX seemed to be combative and focused more on telling what I should or shouldn't do, rather than what he can do for my wife and I. I explained the quote I received was in writing as he was implying the person who gave me the quote, was deceitful. I stated my wife and I may give them a try. XXXX then, in a snarky tone said, " Good luck with that, '' and abruptly hung up on me. His last words were not genuine, but clearly dismissive. We were not mutually ending the phone conversation, nor was it done in the typical universal way two people hang up. I never got to say thank you for calling me back, or be well. Minutes after he hung up on me, I emailed XXXX and told him how rude and unprofessional he was and that I'd definitely be taking my business elsewhere. He replied back via email with continued rudeness and arrogance, coupled with a misrepresentation of the facts regarding our phone conversation. I never stated I didn't want to apply online to refinance. He lied in saying we were mutually ending our phone conversation when that was not true. He abruptly hung up the moment he felt we might not work together. I contacted Homebridge via their website to inform them of my experience and was told, XXXX XXXX, the Divisional Vice President, would reach out to me to discuss my concerns. He never did. It seems this unprofessionalism starts at the top, which would make sense as to how someone in XXXX 's position would not hesitate to handle a potential customer ( or anyone for that matter, even if he felt I was not going to give him my business ) the way he did. What makes it more shocking is the fact that XXXX is a Branch Manager. I have attached all email correspondence. You can see how unprofessional and arrogant this employee is solely based on what he told an employee within Homebridge, from the Customer Commitment Department. These types of verbal attacks against those who are not clients of Homebridge, seem to be common place for XXXX to speak freely like this to an employee, who is supposed to handle grievances with the company. On XX/XX/2020, I followed up with Homebridge and expressed how it is evident that the poor customer service with Homebridge runs from the top down, since XXXX XXXX never contacted me. | ||||||
| 07/28/2023 | Yes |
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| AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT HOMEBRIDGE XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Mortgage Mortgage Mortgage Account Type - Detail : FHA real estate mortgage FHA real estate mortgage Real estate mortgage Bureau Code : Individual Individual Individual Account Status : Transferred Transferred Transferred Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$240000.00} {$240000.00} {$240000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Transferred to another lender Transferred to another lender or claim purchased. Account transferred or sold Real Estate Mortgage Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK XXXX XXXX OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! | ||||||
| 09/27/2017 | Yes |
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| Purchased a home with an FHA mortgage and a XXXX XXXX Homestyle Renovation loan. I am seeking to terminate the Renovation loan and have the loan balance applied to the principal balance of my mortgage and the company refuses to terminate the loan. Originally held by XXXX XXXX, the mortgage or renovation loan portion of the mortgage is currently administered by HomeBridge Financial Services. HomeBridge had indicated that if I did not re-apply for an extension of the loan, the loan would be terminated. I did not apply for an extension, but they did not terminate the loan. I contacted HomeBridge and demanded the termination of the loan. HomeBridge has refused to terminate the loan. HomeBridge demanded an appraisal of the property, which I consented to, and an appraisal was conducted on XX/XX/XXXX. I have made numerous, almost daily, requests for a copy of the appraisal, and have always been told by several individuals at HomeBridge that they do n't have a copy of the appraisal and have never received a copy of the appraisal. I contacted the company that conducted the appraisal and they related the following : the appraisal was tendered to HomeBridge on XX/XX/XXXX ; on XX/XX/XXXX, HomeBridge requested modifications to the appraisal ; on XX/XX/XXXX, a modified appraisal was tendered to HomeBridge. The appraisal company had also sent copies of the appraisal to a company called XXXX XXXX on XX/XX/XXXX. Representatives of XXXX XXXX informed me that they too sent a copy of the appriasal to HomeBridge on XX/XX/XXXX. The last time I contacted HomeBridge demanding a copy of the appraisal was XX/XX/XXXX. The HomeBridge representative at that time told me that HomeBridge never received a copy of the appraisal. I have requested the termination of my renovation loan, HomeBridge refuses. I have requested a copy of the original appraisal conducted on my property, HomeBridge has actively misrepresented to me that they never received an appraisal when in fact they received several copies of the appriasal and requested modifications to same ; I have requested a copy of the modified appraisal conducted on my property, again HomeBridge consistently states they never received a copy ; HomeBridge fails and refuses to respond to requests for information ; HomeBridge fails and refuses to produce information regarding my loan ; HomeBridge representatives have consistently given me divergent and conflicting information regarding my loan and the process for the termination of my loan. For more than one month I have been attempting to work this out with the company. Again, the company, rather than addressing the issue, either ignores me or lies to me. | ||||||
| 09/09/2021 | Yes |
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| I filed a complaint against XXXX on XX/XX/XXXX. I am reaching out today Wednesday, XX/XX/XXXX, regarding the same issue of an incorrect XXXX code that was reported on my XXXX credit profile. I want CFPB to note that this is the fourth time complaint now that I have filed against XXXX for the same exact issue which still has not been corrected. I am respectfully requesting that CFPB recognize that XXXX is not resolving issues but creating more problems. I am due to close in a few weeks and need this matter expeditiously resolve. It is frustrating that I have already submitted three previous complaints for the same exact issue with the last complaint dated XX/XX/XXXX Report # XXXX, and prior to that was XX/XX/XXXX - Report # XXXX. We noticed the issue when my mortgage company pulled my credit on XXXX XX/XX/XXXX, it was the same exact information as the previous report pulled dated XXXX XX/XX/XXXX. Nothing was changed or properly updated by XXXX and still has not as of this date. XXXX report still shows the final reported XXXX codes from being in this year ( XXXX ) on all of the reports that were pulled ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) which meant nothing has been changed or properly updated. I am scheduled to close by XX/XX/XXXX. This is time consuming and extremely frustrating. Therefore, I am once again reaching out to your Organization ( CFPB ) to help me expeditiously resolve this issue regarding an incorrect XXXX code that is still being reported on my XXXX credit profile. I am unable to obtain an approval through their automated underwriting systems due to the multiple 120-day late markers for the months of XXXX and XXXX. My issue is that XXXX, second mortgage ( along with my first mortgage - XXXX ) were closed and transferred in XXXX and XXXX respectively. In XX/XX/XXXX, the house was sold in a normal sale and the third mortgage ( XXXX ) was paid in full and closed. Below is a snip from my credit report showing XXXX and the negative reporting that cycled for XXXX. Following the XXXX is a snip showing both XXXX and XXXX and the negative reporting that cycled in XXXX. I was told that by XXXX, the third-party vendor my lender used to pull my tri-merge credit report, that when an account is closed the final XXXX code reported should not be anything other than a XXXX. XXXX reported a 60 day late in XX/XX/XXXX ( was not on prior to XX/XX/XXXX ) - Account closed and transferred in XX/XX/XXXX XXXX and XXXX both reported 120 day late marker in XX/XX/XXXX ( again, nothing prior to XX/XX/XXXX ) - XXXX closed and transferred XX/XX/XXXX - XXXX closed/paid in full after sale on home XX/XX/XXXX. | ||||||
| 05/02/2022 | Yes |
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| I started to refinance 3 properties in XX/XX/XXXX with a lender I have worked with for years. I was approved and HomeBridge ( one of the current lenders at that time ) was notified of my refinance. XXXX XXXX, with HomeBridge reached out to me to keep my business, they could do the loan at a less rate & closing costs. I moved one property over, then the other XXXX. I submitted all the requested information, signed all the disclosures and things were moving along. I was assured that my XXXX did not to be filed as we were funding in XXXX. Things started get to suspicious. I was then told in XXXX you need to file your returns and the rates will be expiring. I was getting frustrated as this wasn't what I was told and led to believe. My refinances were then transferred to XXXX XXXX with XXXX to " expedite '' the process and put me top of the line assuring me rates are locked. I have been dealing with XXXX for XXXX months now on closing the original XXXX refinances. These refinances are unethical when I have signed disclosures, email from XXXX XXXX HomeBridge we need one last piece of info and we can fund by XXXX, then to be strung along for XXXX months to not honor what was started and agreed upon. XXXX didn't return phone calls for 30 days for a business promotion and sometimes a week at time for business travels which dragged on the loan process but I was assured dont worry, your rates are still locked, and with the amount of time this has dragged on and for customer relations, Ill take off $ XXXX {$4000.00} in closing costs on XXXX XXXX XXXX I supplied everything that was needed, I was approved, had paid for XXXX appraisals, signed disclosures on all XXXX properties. This dragging it out for XXXX months, then to have my rates expired ( guess they werent locked ), is on the lender. I did my apart as a consumer and supplied everything as requested asap to close these XXXX refinances. You will see the emails dragging on and on. XXXX reached out to me XX/XX/XXXX and XXXX XX/XX/XXXX says you need your XXXX tax returns, which at that point a XXXX day rate lock is expired, even though I continued to confirm locks were in place. I was told verbally, husband and client had heard the conversation as well. I have emails saying nothing of we need your XXXX returns. She states we want to close in XXXX, please sign the disclosures. On XX/XX/XXXX XXXX reached out to me after being " caught up to speed '' with my scenario of not having my XXXX returns. I want the loans refinanced with the original terms agreed upon with HomeBridge. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 10/23/2017 | Yes |
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| I spoke with XXXX XXXX, loan XXXX at HomeBridge Financial Services , Inc ober a week ago about what types of loans are available to purchase an investment property and whether I would be eligible to take out said loan. First contact was over the phone. I told her I was not comfortable filing an application yet as I did not want a hit on my credit and would feel more comfortable if she would review my financial paperwork first and only info I would give her to make a preliminary determination. She assured me she would do so and send me a link to the application via text. Once I filled out the application, there is a box to check to give consent to lender to run a credit check next to the submit button. I made sure not to check the box since I did not want to have my credit pulled, and before submitting the application, I texted XXXX again. She again ensured me, in writing this time, that she would not pull my credit and for me to go ahead and submit the application so that she may review it. I clicked submit and she confirmed she received it via text. To my surprise, the following morning, I received a credit karma notification that my credit had a new hard inquiry and that my credit score was lowered by XXXX points. I immediately texted XXXX. She apologized, blaming her assistant but saying that he did not know not to pull my credit despite the box not checked, clearly not giving my consent for such inquiry to be done. She said she would give me a copy of my report as apology. I explained that I was not okay with her way of doing things. She then made a determination of my eligibility solely on the tax return paperwork I had submitted. I then adked her what she was going to do to fix my credit since, if she had not been XXXX, there would have never been any need to pull my credit in the first place, which I was trying to avoid all along. She refused to try to " fix '' her mistake but sent me emails saying that there was nothing to worry about, that inquiries did not affect credit scores anyways. I told her that XXXX states that inquiries do lower scores, and will appear on the credit history for XXXX years. That she needed to contact the credit bureaus and explain that she made a mistake so that my credit could be restored and that if not, I would have to contact CFPB for assistance. I also told her that as a licensed professional, she owed me duty of care when I entrusted her with my sensitive info but she was XXXX or XXXX when she betrayed that trust and pulled my credit despite giving me her word not to do so. Needless to say how outraged I am at this point. | ||||||
| 11/29/2020 | Yes |
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| My husband and I purchased a home in XX/XX/XXXX with Homebridge Financial. Our first payment was due XX/XX/XXXX. I have attempted to pay Homebridge Financial a total of six times for XXXX and XXXX. I was able to pay for XXXX after contacting customer service multiple times to have the " red flag '' that was placed removed from our account. While attempting to pay Homebridge in the months of XXXX and XXXX I was assured we would not be charged a late fee because the issue was Homebridge 's fault. I was also assured that it would not be reported to the credit bureaus which was not true. Homebridge Financial did in fact report it. Both my husband and I had almost perfect credit scores prior to this issue and now it is significantly lower. Please see the following timeline of attempted payments : - Bill of {$1300.00} paid through mobile banking app on XX/XX/XXXX. Payment was then refunded XX/XX/XXXX ( # 1 ) - Bill of {$1200.00} then paid over the phone on XX/XX/XXXX, payment was canceled by Homebridge on XX/XX/XXXX ( # 2 ) - Bill of {$1200.00} paid over the phone on XX/XX/XXXX, payment was canceled by Homebridge. ( # 3 ) - Bill of {$2500.00} paid over the phone on XXXX. The customer service representative stated Homebridge had the wrong banking account information, this was updated at this time. Payment was never posted. ( # 4 ) - Contacted customer service on XX/XX/XXXX regarding previous payment, customer service rep stated payment was placed in a " holding account. '' Payment then applied to the remaining balance. Payment was never processed by Homebrige after being removed from " holding account. '' ( # 5 ) - I then paid my outstanding balance of {$2500.00} on XX/XX/XXXX online through XXXX. At that time I had to input the correct banking information ( Homebridge system had this wrong ). Payment was then processed on XX/XX/XXXX. ( # 6 ) The only way my payment was correctly processed by Homebridge was through the online payment system and correct banking information that I had to enter. - I paid my XX/XX/XXXX payment on time and through the online payment system. I have filed a dispute on all three major credit bureaus to have my credit score fixed. My husband 's and I credit score prior to all of this was almost perfect and we have never been late on any loan payment. XXXX and XXXX both completed my dispute saying Homebridge Financial responded accurately and no changes were made on my credit report. This is Homebridge Financials fault. We attempted to pay them multiple times and their system failed to process our payment due to their customer service error. | ||||||
| 11/17/2021 | Yes |
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| In XX/XX/2021, we were pursuing an extended lock rate with Homebridge Financial Services ( HFS ) for a FHA loan with an expected closing in XX/XX/2021. At that time, HFS was the only mortgage company that could offer us an extended lock rate for which a deposit of {$1800.00} was officialized under the impression that it was a refundable deposit. In early XX/XX/2021, after receiving our closing letter, we also received other lending options which had lower interest rates and closing costs. We decided to pursue the lender with the best offer and asked HFS to refund our lock fee deposit. HFS denied our refund stating that the lock fee was forfeited when we decided to pursue our financing with another institution. Below the arguments we have already presented Homebridge Financial Services in our lock fee refund request and respectfully request CFPB to evaluate in this claim : 1. Deposit for an extended lock rate was made on XX/XX/2021, under the representation by XXXXomebridge Financial Services that it was a refundable deposit that could be used as cash to close in the future. We were never made aware that this condition was exclusively with HFS or that this deposit will be forfeited if we choose a different lender. In fact, no additional terms or conditions were disclosed at that time. 2. The Extended Lock Rate Agreement, with the terms and conditions that HFS is now holding as reference, was uploaded to the portal on XX/XX/2021, fifty ( 50 ) days after HFS requested our deposit money. Terms and conditions for the Extended Lock Rate Agreement were never disclosed at the time of our decision making. 3. The first page, last paragraph of the Extended Lock Rate Agreement states : " This Extended Rate Lock Agreement shall become binding when signed by you and the lender, and upon payment of the Lock Fee ''. The agreement continues in capital letters and portions in bold : " A LOAN IS NOT LOCKED UNTIL AN AGREEMENT HAS BEEN ACHIEVED WITH YOUR LENDER, AND YOU HAVE ENTERED INTO A SIGNED RATE LOCK AGREEMENT. YOU MUST SIGN THIS EXTENDED RATE LOCK AGREEMENT AND RETURN IT TO THE LENDER ALONG WITH ANY LOCK FEE WITHIN 2 BUSINESS DAYS. '' Since this agreement was never divulged back in XXXX, it has never been signed by us. According to the above, the loan was never locked and the lock fee never used. 4. Homebridge Financial Services, after failing to properly disclose the terms of the Extended Lock Rate Agreement and lacking a binding arrangement, is unreasonably withholding our {$1800.00} deposit. | ||||||
| 06/08/2018 | Yes |
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| My current mortgage is being serviced by Homebridge, the reason for this complaint is due to moneys that have been sent by my insurance company for the repairs after hurricane Irma. The check from my insurance came in my and my wifes name along with the mortgage company Homebridge. I have been hiring different contractors to perform the jobs necessary to finish fixing my house. Trying to get Homebridge to these contractors has been an absolute nightmare. I have called over 100 times to try and get checks cut to pay the hired contractors and for some reason or another Homebridge will hold sending payments or state that the check got lost in the mail or that the inspector they hired states the from a simple drive by from the street he can see that only 11 % of the work has been done. Currently I have a roofing contractor performing the repairs necessary for my roof and his contract states that 50 % of the invoice be paid upon receipt of the material necessary to do the job which Homebridge has a copy of that estimate along with the contractors insurance and license. The materials where delivered XX/XX/XXXX for which I took a picture of the materials sitting in my driveway and sent it to Homebridge loss draft department and they confirmed receipt. The roofing contractor has yet to receive his 50 %, the contractor then started to perform the work of which I informed Homebridge by email and by speaking several times with XXXX XXXX, I also left several messages for her supervisor XXXX XXXX 4 to be exact of which she has never had the decency to return any of the phone calls. At this point the contractor has stopped work and has left my roof halfway done because he is not receiving any funds. I have also explained this to Homebridge. They currently hold a little over {$14000.00} hostage because of this mystery inspector that apparently also doesn't have the decency to call me and explain to me how he can see from the street the repairs done to the inside of my home along with the fence repair done 600 ' in the rear of my property and state that only 11 % is complete. Homebridge refuses to give me the inspectors number and has refused to send the necessary payments for me to pay the roofing contractor. It has been like this since they have received the money from my insurance policy. I need help in getting them to release these funds so I can pay the roofing contractor and be done with this nightmare of a process with this company. | ||||||
| 08/17/2019 | Yes |
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| Homebridge mortgage was handling my homestyle loan. We applied XX/XX/2019. We were not approved for the homestyle renovation loan, however we were told we could apply for a FHA XXXX loan given the credit requirements. We gave in all necessary documents requested. We were supposed to close this week XX/XX/2019 or next week. We had all documents in within a timely matter however the loan originator and processor were completely incompetent. They lost documents sent via email which is very alarming. We had to resend documents and we had no communication as to a precise timeline or what was happening next. There were misleading expectations of a 45 day closing timeframe. Simple promises saying they would return calls or emails the same day but we wouldn't get a call until 3-4 days later. When they did return calls there would be apologies, sorry I was in another customers file, and more and more excuses. We had to call and follow up and even call upper management to complain. We said we no longer wanted to deal with the loan originator. However they continued to handle our loan. This upset the loan originator and they even said, " well you calling managers, CEO 's and executives ''. We just wanted to know if we were approved so we can either move forward or move on. The loan originator told us we were approved and gave us a commitment letter with items to satisfy prior to closing. The loan processor told us that they would not order appraisal ( {$490.00} ) or advise us to move forward with the HUD inspector ( {$1000.00} ) without the green light from underwriting. We sent several emails and called several times to find out when was our closing date Monday XX/XX/2019. Today, XX/XX/2019 ( 94 days since application ) we were advised via email after that they had good news and bad news. The underwriter can't move forward with the loan because of withdrawals from the home equity line of credit we have on the house. It had to be subordinated. Shouldn't the loan originator or processor told us this when we first submitted the documents for the loan? Now, we are out {$1400.00}. Due of incompetence. The miscommunication and level of unprofessionalism is ludicrous. In a nutshell 94 days of our lives were wasted when this could have been communicated to us at minimum 10 days after underwritting recieved the documents. We even have the upper management on voicemail saying he'd do what he had to do to get it to closing. | ||||||
| 08/20/2015 | Yes |
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| I feel I am the victim of credit discrimination by HomeBridge FinancialServices doing business as Real Estate Mortgage Network. Theiraddress is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX. The contact information of the account executive is XXXX. I applied for a home mortgage with this company and received a loancommitment from them on XX/XX/XXXX. I am a single divorced womanreceiving child support from my ex husband under a XXXX divorcedecree which provides for monthly child support which, under XXXXlaw, is to continue until my youngest child is XXXX. Currently my youngestchild is XXXX years old so the child support will continue until XX/XX/XXXX. Item XXXX of the commitment listing conditions for underwriting states '' Provide continuance of child support payments, such as the childrenfor whom support is being paid or the duration. '' I have provided thisinformation to the lender. Nevertheless, the lender has refused toapprove this loan because it will not consider the child supportpayments despite the divorce decree and citation to the XXXXstatute which describes the duration of the child support obligationas being until the youngest child reaches age XXXX ( with certain exceptionsnot applicable here ). I now risk losing the house that I was scheduled toclose on last week and if I need to move out of my current rental Iwill not have a place to live. I feel that this action by the lender violatesthe Equal Credit Opportunity Act ( Regulation B section 102.6 ( b ) ( 5 ) andalso constitutes discrimination on the basis of sex and marital statuswhich is prohibited under XXXX law ( where I now reside ). XXXX. General Statutes section XXXX. I should also point out that myex-husband has been paying me child support on a regular basis, inaccordance with the court order, for the past 6 years. He is an XXXX XXXXveteran and currently a XXXX employee who has a secure income. Thelender asked me for 6 months proof of timely child support paymentswhich I provided. If this lender is doing this to me, I fearthat other divorced women receiving child support might bebeing treated in a similar way. If you can get the lender to quicklychange their position, I can still close on the house I wish to purchasefor myself and my children. I also want to point out that on XX/XX/XXXX I received a revised list ofitems required to close the loan and there is nothing on that listthat refers to child support documentation. | ||||||
| 02/17/2021 | Yes |
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| I am writing to you in regards to the results of a recent dispute I submitted to XXXX. Ive made two attempts to them, offering all of the proper documentation, following the correct process in order to have a negative and unfair listing against my credit to be removed. Ive reached out to them to understand their hesitation and can not gain an understanding nor the results needed. A representative of XXXX informed me the decision to leave this on my report is in the hands of Homebridge. Ive talked with Homebridge representatives on several occasions and they insist they have nothing in their files to initiate any derogatory remarks regarding this transaction or my relationship with them as a previous customer. The simplest form of proof that I have is XXXX nor XXXX has not reported anything like this. In the meantime, this negative mark against my credit is causing other creditors, in which I have worked very hard to build relationships with, to suddenly cut my credit limits, some even cancelling my accounts entirely ( since a negative mortgage remark holds a lot of value ). I have lost {$6500.00} in credit limits as a direct effect of this remark from XXXX since most of my credit cards are held by XXXX XXXX who relies heavily on XXXX for accurate reporting. This began in XX/XX/2020 with completion of a refinance on my home loan in order to lower the interest rate on my home loan. The closing was completed XX/XX/2020. Apparently there was a shortage in the payoff from the title company to Homebridge Mortgage in the amount of {$4900.00}. I was then reported 30-days late for XX/XX/2020. XXXX XXXX XXXX was the title company in which this human error occurred. They promptly corrected the error, Homebridge closed the loan XX/XX/2020 and offered a no fault letter to me to ensure this error would not reflect on my credit reports. I did not have an account with Homebridge in XX/XX/2020, therefore, impossible to report this month as a 30-day late payment. Homebridge recd a payment of {$200000.00} toward the payoff amount of $ XXXXthis amount clearly would cover the 3 day delay for XXXX mortgage payment of {$1500.00} ; regardless of the human error that occurred. I am pleading with you to review the supporting documentation and review this in its entirety to consider the possibility of not penalizing me for an error that was beyond my control. Please let me know if you need anything further from me. | ||||||
| 07/12/2020 | Yes |
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Web | Servicemember |
| Last XXXX or early XXXX I asked to have my account enrolled in the automatic payment program at Homebridge. I received a letter saying that it would start in the next few months but that I was responsible for my payments on time until it began. It was XXXX when several days into the month the money hadn't been taken out yet so I paid the bill. The money is due the XXXX. On XX/XX/XXXX Homebridge attempted to withdraw another mortgage payment from my bank account. This attempt was made even though my money had already been deposited and applied into my Homebridge account. When Homebridge attempted to with draw a second monthly payment there wasn't enough money in that account to withdraw so it bounced and I received an NSF of {$29.00} from my bank and {$25.00} from Homebridge. Homebridge attempted to withdraw the second mortgage payment for the month of XXXX for a third time on XX/XX/XXXX, after which I received another {$29.00} fee from my bank. XXXX, my bank, has a policy of only being able to return fees possibly charged in error for two items annually, which they already did for me this year in an unrelated matter. So although they felt strongly that charges should never have been attempted to have been withdrawn against my account and they were aware I had no part whatsoever in the creation of the withdrawals that caused the overdrafts they could not refund the {$58.00} because two withdrawals had in fact been attempted against my account that lacked the funds. I called and spoke with a supervisor who explained that a letter had been mailed out stating that the XXXX payment would be made automatically for me. I received the letter after I made the payment. He informed me that he could do nothing about my bank charges, but that he would reimburse the {$25.00} fee charged by Homebridge. It is now XXXX and the {$25.00} is still on my account. I am asking that my account be corrected and remove the {$25.00} fee charged. I am also asking that they reimburse me the {$58.00} charged by my bank for the NSF fees. I did try one more attempt to resolve the matter with Homebridge before coming here. I again waited 40 minute + on the phone, went through the whole story several times and was eventually given the email address XXXX to send the appropriate paperwork to. Which I did. Only to find out its a bogus address. I am sure I have it right too, because she spelled it out letter by letter. | ||||||
| 01/16/2017 | Yes |
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| HomeBridge Financial Services reported a negative account to my credit file, which means Bankruptcies, liens, garnishments and other judgments. This significantly dragged my credit score down and would stay on my credit file for at least XXXX years. Because of this, I failed my application to buy my dream house. This was totally inaccurate and unprofessional. I 'd like to provide all the correct information below. **** HomeBridge Financial Services started my mortgage loan on XX/XX/2016. I paid {$4400.00} in XX/XX/XXXX to cover the period from XX/XX/XXXX to XX/XX/2016 by check. The monthly payment was {$2000.00}. I set up a monthly ACH drafting in XX/XX/XXXX, and I received a confirmation letter that shows the ACH drafting autopay has been effective on XX/XX/2016. Then HomeBridge auto charged the amount of {$2200.00} on XX/XX/2016 from my bank account. On XX/XX/2016, I received the letter to notify me that HomeBridge has sold my loan to XXXX XXXX, and it would be effective XX/XX/2016, which means the payment I just paid on XX/XX/XXXX was the last payment to HomeBridge. In the meantime, I received a bill from XXXX on XX/XX/2016 to ask for {$2200.00}. I sent the check to XXXX as well, which ended up with I paid {$2200.00} twice in XXXX. Other than that, I never stop the autopay with HomeBridge, so if there 's a bill there, they would auto charge my money from my autopay account. All these above just shows that I always take my responsibilities, and never paid my bill late. However, HomeBridge reported me a negative account on XX/XX/2016. On that day, the new loan mortgage XXXX already collected XXXX months payments from me. How would they report me a negative account?! I have kept all the transactions in record, monthly payments from my bank account in pdf file, the auto pay confirmation letter form HomeBridge, and the letter when they sold my loan to XXXX. I was applying for buying another house, but the negative account reported by HomeBridge horribly affected my application. I really like that house, but I can not get my loan application approved since the negative account. So I lost it. I contacted HomeBridge Financial Services office several times at XXXX, and left many voice mails, but I got no response from them. I 'd like to provide all the documents I have kept. And I need HomeBridge to give me a solution how they pay my damage caused by them due to their errors. | ||||||
| 09/23/2017 | Yes |
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| After applying for and being pre-approved for a loan with HomeBridge, we requested a loan estimate and a rate lock. - When pressed for a XXXX, XXXX provided a misleading document and claimed it was a loan estimate. Quote : Here is the XXXX you requested. and naming the filename in question LE XXXX. After being we asked to confirm : XXXX XXXX Thank you for sending this. I 'm on my phone and ca n't review it, but wanted to confirm this is a loan estimate ..., XXXX replied with : The very inaccurate XXXX, yes. [ XXXX ] - XXXX refused to provide an official loan estimate unless we signed a purchase agreement for the home : Quote : This is all I can legally provide you without having a complete application ( meaning a purchase contract ). [ XXXX ] [ XXXX ] - XXXX refused to send an official loan estimate after taking a full application, pulling our credit, all our XXXX, bank statements etc and providing a pre-approval letter. [ XXXX ] Additional complaints - XXXX offered an extremely attractive interest rate, beating all our other offers by XXXX and offering a free XXXX rate lock. [ XXXX ] - In order to confirm XXXX claims, we contacted XXXX separately, provided the same information, and were quoted a rate that was XXXX higher, and a 45 day lock. - Immediately after we were pre-approved, XXXX requested we should not have our credit pulled by another lender, saying that would hurt our score. XXXX : - On XXXX XXXX XXXX - We made an offer to purchase XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX | MLS # XXXX - On XXXX XXXX XXXX - The seller XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX demanded we pre-qualify XXXX XXXX. Quote : Purchase agreement shall be signed upon pre approval verification from XXXX XXXX of XXXX XXXX XXXX. - On XXXX XXXX XXXX we met XXXX and spend several hours with her providing all our financials to pre-qualify for a loan. [ XXXX ] - On XXXX XXXX XXXX we requested XXXX lock the promised interest rate and provide us a XXXX XXXX. At that point, she immediately informed us the interest rate had jumped by an XXXX - On XXXX XXXX and XXXX XXXX we kept requesting for an official loan estimate. XXXX provided XXXX separate XXXX separate documents which were not official loan estimates, but claimed XXXX of them were. Eventually XXXX said she could not provide an official loan estimate unless we sign the purchase contract with the house first. | ||||||
| 07/30/2021 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX we entered a forbearance agreement with Homebridge Financial as our loan servicer due to financial stresses related to the COVID pandemic regulations. The forbearance began on our XX/XX/XXXX payment due and ended after our XX/XX/XXXX payment. Communication from Homebridge to repay the balance due was not clear and one sales representative in particular that called insisted that the only option was for a loan modification. We did not want any adverse effect on our credit and had the funds to repay in full the balance due from the forbearance period payments and escrow. The sales representative was insistent the modification was better even after we insisted we wanted to pay in full. We called later and spoke to Customer service and were give a dollar amount remaining due on XX/XX/XXXX after we had already made a payment for the XX/XX/XXXX payment due. We paid the amount we were given. The following month we made a regular payment for the XX/XX/XXXX payment due on that day but were unable to set up reoccurring payments because records still showed we were past due. We waited for payments to update on the system but called 2 weeks later and were told the amounts were still off and we were still short by 2 months payments, we disagreed and asked them to submit a ticket to investigate but made a second payment in the month of XXXX. Homebridge did not resolve the misallocation of funds and applied part of the repayment to the escrow account exceeding the amount needed to pay more than the annual amount. We made another 2 payments in the month of XXXX to resolve but with each payment Homebridge records still do not reflect on time or current. according to our records and all payments made we have now overpaid by 2 months worth of payments and continue to pay monthly on time but Homebridge shows us as being 30 days past due. Responses to written requests are automated or scripted and they never directly address any questions or resolutions to the issue. It is now the end of XXXX and we still have not received a written resolution or correction to our account to show on time. Luckily this has not been reported to credit but that is also our concern as this would be very damaging to our credit history even though the paper trail and payment records show full and current. - VERY dissatisfied customers | ||||||
| 10/07/2020 | Yes |
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| We sold our house on XX/XX/XXXX. Homebridge is the mortgage company with our escrow account that would need to be refunded. XX/XX/XXXX XXXX We call Homebridge about our refund for our escrow. We were informed their policy is 17 days after the close of the house. We were given the amount of the refund and that the check should arrive by late that week or early the next week. XX/XX/XXXX - Called Homebridge, we should have received the check by now, verified our new address and they would reissue check. XXXX XXXX Had not received refund check yet, called Homebridge , checks are slow due to covid and may take extra time. Informed her a check was to have been sent over two weeks ago, she verified we should have received it. She would expedite this and see if a new check could be sent out. Again, we verified our mailing address. XX/XX/XXXX - Had not received check, so we called Homebridge again. Check had not be issued yet, but was going to be expedited. We are closing on new house on XXXX XXXX and this refund check is needed for part of closing costs. Was going to expedite this and get a check issued. To call tomorrow afternoon and they would have information on check being sent out. XX/XX/XXXX - Called Homebridge, check not issued yet, would have check issued and overnighted by XXXX XXXX, call tomorrow for tracking number. XX/XX/XXXX - Called Hombridge, Check has been issued, but did not have a tracking number for it.Should receive check on Monday by XXXX XXXX. XXXX XXXX Did not receive XXXX XXXX package. Called Homebridge, should received today or tomorrow ( tuesday ) did not have tracking number but did give a XXXX XXXX confirmation number XXXX XX/XX/XXXX - Did not receive check. Called Homebridge. No refund Check has been issued by XXXX. Would expedite and have a manager call today. Well no manager has called us today or tonight. I should include that during these calls on these dates, it was never the first call, we would have to wait 35 to 45 minutes for someone, who would hang up and then we would have to make the call again. Overall we were hung up on 12 times. So in essence, we have been hung up on multitude of times, lied too a multiple amount of times and still no payment. We are having to liquidate some funds to we can pay for our closing on XX/XX/XXXX. | ||||||
| 12/21/2015 | Yes |
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| I completed an FHA Streamline mortgage with XXXX XXXX XXXX Bank and they sold my mortgage to HomeBridge. At escrow, I was given XXXX receipts for my XXXX and XXXX payments so that I would know where to send my payments until my account was setup and I could make electronic payments. After signing, I misplaced the coupons and asked my broker to re-send them via email, which he did. I paid my XXXX payment on time using the coupons he emailed me. In XXXX, HomeBridge called me to inform me that I was late on my payment and they were " attempting to collect a past due debt ''. They called me on my work phone line. I asked them to call back on my cell phone. I ended up spending around 45 minutes talking to someone about my mortgage. He told me that I owed them {$1100.00}, which was disconcerting because it was significantly lower than expected. I asked them if they had setup my impound account to pay taxes and home insurance. He said they had not and that I would have to fax my tax documents and my insurance documents to XXXX separate departments! I immediately called my broker from XXXX XXXX, and he said to ignore them and wait for my welcome packet in the mail sometime in XXXX and to continue paying to the coupons he sent me. I paid my XXXX bill promptly on the XXXX of the month. Then on the XXXX of XXXX, I received another call from HomeBridge saying I was late on my XXXX payment, but they had received my XXXX payment. I told them I mailed the check to the same place as I had in XXXX and the check had been cashed! She asked me to pull up all kinds of information as to where I sent the check, who I addressed it to. Again, I was at work. Again, it took about 40 minutes. Then I just received another call today! The woman who I spoke to on Friday apparently did n't take very diligent notes. This process is a waste of my time and is a huge disturbance at work. I feel harassed to talk to these incompetent people out of fear that they will mistakenly report a missed mortgage payment to the credit bureau. I want to emphasize that I have followed all directions that were given to me and both of my payments were cashed. This process has been sloppy and jarring. HomeBridge should be seriously reprimanded for their disorganized practice and harassment of new mortgage holders. | ||||||
| 01/04/2016 | Yes |
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| I started a home mortgage through Homebridge Financial Services XXXX XXXX XXXX XXXX GA XXXX. They are extremely difficult to make payments through their automated phone payment system unless I set up an automatic draft which I don not prefer. I prefer one time ACH drafts as I need to control the date of payment each month as I need to insure funds are available. Their system makes it so difficult I had to wait through extremely long and irrelevent bot messages just to get to the phone payment. Then each and every month it looks like I need to re enter my checking account info as their system will not save the info. Other mortgage agenceis can and will do that service. But that 's not the worst of the experience yet. They also require you to enter the payment amount in dollars and cents from your phone keypad even though they now what you need to pay. I had so much trouble with this ( on my second time ever doing it ) that I ended up entering a payment of only {$12.00} when I really owed around {$1100.00} I didnt even get to figure out how Im supposed to do the decimal point on my phone keypad by the time I realized I started a whole other issue now with an XXXX payment. So then I hung up had to do it all over again and waited 20 mins before I could talk to a rep whose best case scenario was to delete my {$12.00} payment and was told I had to wait till tomorrow as the system will only allow XXXX pending transaction at a time. This is a terrible system I feel is designed to create difficulty in order to ensnare the consumer in fees and interest traps. Their phone number is XXXX try it you 'll see its not right. I would also like to add that I started this loan with Homebridge ( and I wont even get into that ) but after my first payment they switched me to XXXX ( who in comparison was exemplary ) They saved my info after the first time and I would call and be done with the process in 5 or so minutes doing one time ACH drafts from my checking account ( also due to less irrelevant bot messages ). Then for some reason I dont know they switched us back from XXXX to Homebridge just a couple months ago. Thanks for taking the time to read my experience with Homebridge Financial Services and I hope it helps them make changes to their system. | ||||||
| 07/24/2020 | Yes |
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| Hello, In XXXX of XXXX, I wsa laid off due to COVID-19 epidemic. I called in to Homebridge Financial and was placed on a forbearance due to what occurred. In XX/XX/XXXX, I called back in to Homebridge in order to see what my options were to catch up on my mortgage as i found employment again, I was told to the forbearance would be extended until end of XXXX so I can have time to get some paystubs in for review. In XXXX, I called in multiple times and was told just to send in financial documents to be reviewed for options. Also in XXXX, i read online that FHA had a program that specifically helped homeowners who were affected by COVID. This program is called a partial claim. I was not informed by anyone at the company, only from someone I knew and because I looked at the program online. I have called multiple times in the month of XXXX and the only thing I was informed of was a modification review when I asked about assistance. I finally got a hold of a young man on XX/XX/XXXX with whom I had to ask about the partial claim and he took his time and helped to submit this for me. He specifically said to me the review would take 3-5 business days and I would get a letter in the mail. I have called two more times to the company and no one seems to know what is going on. I asked about the review and I have been told different time frames each time and that the department is backed up and give them more time. i even spoke with a young lady on XX/XX/XXXX and asked about the review. I told her my main concern is that the forbearance is ending and I still don't know what the next steps are. She told me not to worry and it was going to be okay. My biggest concern here is the lack of knowledge by each representative that I have spoken to. The timeline before the forbearance is ending is being cut each day and we don't have an answer. I have no faith in this process as no one knows what the other person says or what is going on. There is no consistency. I don't even have a single point of contact to speak with in order to know what all my options are. I would like a clear understanding of what is going on and what are my options in order to try and stay in my home. The level of service I have experienced with Homebridge has been horrible. | ||||||
| 06/16/2016 | Yes |
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| This all started on XXXX XXXX, 2016 when my husband attempted to pay biweekly, without asking if they accepted payments that way. This led to payments being placed in unapplied funds and the mortgage company calling about unpaid mortgage payment ; when they actually had a full payment plus 1/2 payment held in unapplied funds. We have since then made all the payments and they are still saying we have not paid, when actually we have overpaid by over {$1300.00}. Our credit has been destroyed and we have called several times to attempt to get this issue fixed, they keep saying they will call us back and that they will have someone review the payment history. I spoke with someone on XXXX XXXX, 2016 and we discovered the error on the call while reconciling the payments we made to their payment history. The agent I was speaking with stated that both our XX/XX/XXXX payment and XX/XX/XXXX payment were applied to XX/XX/XXXX. How could that be and how could they not see that as the error? they have reported to the credit bureaus that we have not paid our mortgage 3 times. I have had a pretty stellar credit history for quite some years and now my credit is destroyed and this company continues to report to the bureaus that we are not paying and they are also not finding a solution to the issue. Now my husband has made matters worse by not paying the XX/XX/XXXX mortgage payment, I understand my husband 's frustration in dealing with this company, as they have been grossly incompetent and have ruined me and any chance I have of moving on financially into any new endeavors. This company Homebridge Financial has been horrible since acquiring our mortgage from XXXX, which acquired it from XXXX XXXX. I feel like this is definitely a violation of my consumer rights and they have been unfair in how they are dealing with this issue and very deceptive in telling us they will get back to us, and someone will review the issue and so on. They have done nothing to fix this issue and this is snowballing into wrecking my life! if they continue to do this we will be ruined totally! we have attempted on so many occasions to speak with them and figure this all out and they keep giving us the run around and continue to report erroneously to the bureaus. | ||||||
| 10/06/2022 | Yes |
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Web | Servicemember |
| In XX/XX/2022, I started working with XXXX XXXX. I was applying for a VA mortgage through Homebridge. After several requests, we finally received our pre-approval letter in XXXX. We chucked this up to just human error. After we received preapproval, we discussed rates and he recommended I locked my rate and pay {$3900.00} to lock rate. I was ok with this since we planned on closing with Homebridge. After paying for the locked rate, I started receiving loan estimates that were grossly inaccurate. After the second or third time, I asked XXXX about the incorrect values on my loan estimates as it was making it extremely difficult for us to compare to other lenders. XXXX only addressed part of the issue, and their remained a {$100000.00} error on our loan estimate. Because we received late preapproval, and because it had been several months, and such a huge error on loan estimates, and because our builder was stressing at us to finalize paperwork, we had to leave Homebridge and go to another lender. It wasnt until we told XXXX that we were leaving, that they finally decided to go through loan estimates and make corrections. The coordinator corrected the loan estimate, but XXXX remained hands off and refused to look or answer my questions regarding where the additional funds in down payment was coming from. XXXX, instead, kept threatening us with the money we put down for our locked rate. Telling us we were going forfeit our rate even if we left due to their lack of concern with processing correct paperwork and poor customer service. We had worked with XXXX for months, but could no longer as we felt we would have issues with closings and because our builder was pressuring us to finalize lender documents. XXXX XXXX put us in a very bad position and has now refused to refund our locked rate payment and will not respect our request to withdraw our application. We have asked several times. He stated that he spoke with his VP, XXXX XXXX, regarding the concerns we had about XXXX and his ability to successfully get us through closing, but there was still no concern from Homebridge. We were not offered the opportunity to work with a new broker, or anything. Therefore, we request to change lenders without penalty. | ||||||
| 04/13/2022 | Yes |
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| The mortgage company, Homebridge Financial Services was the originator of the initial mortgage of my home in XXXX. In the interim, Homebridge sold the loan to XXXX XXXX. During Covid, my business decreased significantly which later resulted me to go into a forebearance program with my mortgage. In the summer of XXXX, the forebearance period ended which then meant that I had to resume mortgage payments. I then turned to Homebridge since they were the originators of my mortgage and applied to refinance my mortgage to lower my interest rate and term. The mortgage was a bank statement loan being that I am self employed. From XX/XX/XXXX to XX/XX/XXXX, the mortgage has yet to be approved. The original loan XXXX caught XXXX which then introduced his supervisor, the loan manager to oversee the file. It has been over 8 months that this loan application has been dragged and mislead. Every week, there's been a request to submit a document, pay down a credit card, but now once until last week did we hear that there are no longer unconventional loans being approved. I'm submitting this complaint of the deception that Homebridge Financial has engaged. Their promises that the loan was going to be approved was absolutely false. I was convinced that the loan manager was experienced and truthful so much that I didn't pursue other lenders. ( why would I pursue any other lenders since Homebridge already had my history ) For the last 8 months, I had to pay a high monthly mortgage payment of {$4400.00} that I couldn't afford thinking that this month would be the last. Homebridge was 99 % sure that the loan would be approved but it was never submitted to underwriting. This is why I know I was wrongfully advised and deceived. This week I approached 2 lenders and submitted my tax documents for them to review my file for a loan. They all told me that there's not been an unconventional loan program for some time. ( bank statement loan ). I'm frustrated and angry that the loan manager has NEVER mentioned that the underwriters never looked at my file and that that the unconventional programs have ceased. 8 months of wasted time and money down the drain! | ||||||
| 02/11/2016 | Yes |
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| I attempted to do a streamline refi with Homebridge Financial XXXX XXXX XXXX. They contacted me with the refi. I told them I am filing a Chapter XXXX bankruptcy. Can this still be done, " I asked ''? The loan officer said sure no problem. I also disclosed right away to the loan officer about our loan modification that has been closed and recorded and gave him copy of that too. Our modification lowered rate from XXXX to XXXX and they took a balance off of XXXX estimate. I lost my job XXXX XXXX and Illinois would not extend my unemployment past XXXX XXXX. Well filed BK in XXXX XXXX new loan approved with the Judge XXXX XXXX XXXX. I made first payment in XXXX XXXX on new loan. Anyhow with everything the old loan with homebridge not paid off they said they want interest of XXXX from XXXX thru XXXX XXXX XXXX. They gave me a lender credit of XXXX. I already paid closing costs XXXX for escrows etc. They froze the new loan after I made first payment. XXXX and XXXX XXXX XXXX cell XXXX email XXXXXXXXXXXX XXXX XXXX XXXX XXXX Il XXXX ... Purchased XXXX/XXXX/XXXX XXXX FHA case # XXXX shows closed XXXX/XXXX/XXXX old XXXX number XXXX Fha new case number XXXX shows only XXXX opened. new loan number XXXX. We are making payments with the collections department of Homebridge since this closing is all messed up. They did not clear the check for XXXX XXXX payment yet??? We will make XXXX XXXX this Friday. Not sure what to do our Bankruptcy attorney is trying to fix but they wont talk to her for over a week now. What is our legal rights on this? I have asked since XXXX XXXX for an explanation since I found out with Homebridge and XXXX XXXX, Homebridge said we will only speak with your attorney. My attorney was requesting the reason either a hud or a breakdown of why they are asking for final amount from me is XXXX. I already paid XXXX in closing costs on XXXX XXXX XXXX. This does not seem to be correct. I asked if they are recalling the modification. The pay off request for XXXX through interest of 4.375 on a loan amount XXXX through XXXX XXXX XXXX. They shaded out the Fha case number as well as loan number. Thank you for your assistance. | ||||||
| 09/16/2016 | Yes |
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| Homebridge contacted me about a missing payment in XXXX, at first they told me it was my XXXX XXXX payment, which i paid to them, then they contacted me again a week after and told me that it was my XXXX payment. At this point i started getting worried because I 've never experienced this kind of negligence before from a financial company. I gave them my bank statements from XXXX - XXXX XXXX. Then they contacted me again and finally said it was my XXXX XXXX payment. Mind you between XXXX XXXX and XXXX XXXX, I had gotten calls from them whenever i they have n't received a payment from me on XXXX of every month. And after making payment, they will tell me that my account is current. at no point in time between XXXX XXXX - XXXX XXXX did any one from their company called me to say i have n't made XXXX payment. And my statements reflects that. I sent to them all my Bank Statement showing that payment went out of my account. After almost one month of going back and forth with Homebridge, we finally found out that they didnt get the payment from Bill Pay. Whatever happened between Homebirdge and Billpay, I dont know because BillPay paid my other bills but not Homebridges '. If Homebridge had contacted me on time about this in XXXX, we wouldnt have this issue because we would have gotten to the bottom of it. I submitted all my bank statement which my bank statement reflected that the money was taken out. for some reason, they didnt want to honour that. Then in XXXX they reported that i was late in XXXX for 60days, XXXX, XXXX, XXXX and XXXX days. The question i have is how was i able to pay on time in APR, but then late again for the rest of the months? I did a dispute with XXXX and XXXX. XXXX removed their reporting because they found out that they were at fault. For some reason, after i talked to XXXX, they told me that they understand my plight ; however, they can only remove it only if Homebridge told them to. To me that sounds crazy given i thought credit bereau is suppose to be a middle man between me and the lender and look at the facts. I have all my bank statement ready to submit them thanks | ||||||
| 10/08/2021 | Yes |
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| We started our original home loan in XXXX XXXX live with my fiancee XXXX XXXX we are not married, she is not on any of the legal paperwork for the house, HomeBridge ( my mortgage company ) did not ask for my consent ; Yet she is the one who first requested a forbearance, not myself-XXXX XXXX. We had never been late or missed a payment until XX/XX/XXXX, when we both lost our jobs.This is the reason the forbearance was requested and it was granted on XX/XX/XXXX. There is a letter from Homebridge stating that they did not get the information correct until XX/XX/XXXX. We stayed on a forbearance for as long as we possibly could- it just ended XX/XX/XXXX. The entire 18 months I was on a forbearance HomeBridge Financial has been and continues to report to the credit bureau that I am not making my mortgage payments and that I am currently 563 days past due. I have called hundreds of times trying to reach a solution with HomeBridge, I have been spoken down to, laughed at, put on hold for a manager then the line gets disconnected.I have literally spent countless hours on the phone with HomeBridge, thousands of phone calls, endless sleepless nights because there is no certainty with my mortgage company. Not once in more than a 12 month time period did a manager ever call me back. I do however have three separate letters on three separate dates stating that my account is paid up to date and as agreed for the previous 24 months. So they are telling me one thing and doing a the complete opposite. My credit score has plummeted dramatically. As a final farewell, HomeBridge sent out our loan modification packet the day that my forbearance ended. The icing on the cake is that 2 days later they sold my loan to a different company- XXXX XXXX..the sold our loan that was in default. Never was it ever mentioned that our financial provider was going to change, I feel like HomeBridge mistreated us and probably broke a few laws along the way just to sell my loan at the last second just in time for it to go into default. I would like to know what your thoughts are about this situation. Sincerely, XXXX XXXX XXXX XXXX | ||||||
| 10/01/2018 | Yes |
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Web | Older American, Servicemember |
| My husband and I have an negative escrow balance of {$9500.00} and an escrow shortage of {$13000.00} with Homebridge Financial Services. Our mortgage continued to increase from {$1100.00} to {$1600.00}. In XX/XX/XXXX, because of the constant increase in payments, with Homebridge, a loan office by the name of Ms. XXXX XXXX told me about tax deferments, and how they worked. Ms. XXXX contacted her XXXX, Ms. XXXX XXXX, who needed something in writing from our XXXX Co XXXX XXXX to this effect ; We got the written communication from the tax assessor and Ms. XXXX gave the go ahead with the deferment. Homebridge honored the tax deferment from XXXX to XXXX. During this time, we thought the taxes were being deferred and not considered delinquent. Unbeknownst to us, HomeBridge was advancing funds to cover the taxes. We have been in constant communications with Homebridge via email, phone, and certified mailings regarding the situation. We have spoke with Mr. XXXX XXXX out of the XXXX, TX Office on XX/XX/XXXX and several occasions afterwards. There have been several communications w/ Ms. XXXX XXXX XXXX VP of Customer Serv. on several occasions via phone, email, phone calls ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), certified letters sent to Mr. XXXX XXXX, XXXX, Mr. XXXX XXXX, XXXX both on XX/XX/XXXX ; I spoke with Mr. XXXX XXXX, VP on XX/XX/XXXX, all in vain. Homebridge sent a certified letter addressed XX/XX/XXXX from Ms. XXXX basically telling me there was nothing to be done to assist w/ our situation. Our homeowners ins expires on XX/XX/XXXX ; We changed ins companies and paid the insurance in full for the year. Homebridge in the meantime paid the ins up front a moth in advance, which will increase the mortgage, again. We paid it ourselves to hopefully decrease the mortgage. Now, ins has been paid twice! My husband is a XXXX, both of us are senior citizens, on or about to be on XXXX, and on a set income. We are struggling to meet the new increase. We negotiate monthly between buying our medications and making the unaffordable mortgage payment. See attachments : We need CFPB 's help! | ||||||
| 06/01/2021 | Yes |
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| I went into forbearance during the beginning of Covid and was told my account wouldn't receive a negative to credit reporting. I was told me, due to covid I was placed under forbearance, and Homebridge told me my account would not be reported negatively to the credit while in forbearance ; they reported me late, negatively impacting my credit score ; they then apologized and sent me a letter stating that they removed the negative reporting. I also paid them about {$15000.00} during my forbearance, which they told me. I also directed them to send my payments to cover my mortgage ; I went into my XXXX and took out all of my money and paid them so that my house did not go into foreclosure. They never paid the money to my mortgage payments. They couldn't find any payments I made for weeks at a time, The money was also to cover the beginning of my forbearance, so I should have never been reported as a negative account. They later told me they had my money in a suspension account and never paid any of the money I sent to pay my mortgage ; instead, they paid my taxes. They told me I still owed them about {$10000.00} more to pay toward my mortgage principal and interest, or I can stay in forbearance, which I obviously did not want to do ; I was paying them money sometimes {$6000.00} at a time entire pandemic. I extended my forbearance, and I had no money to pay them. My XXXX was wiped clean. I stopped paying any money after telling me I needed to extend my forbearance or pay an extra {$10000.00}. I had no money. They sold my application to another mortgage company after I extended the forbearance with them. I have no way to contact them now because my account number ceases to exist, and I can't ask for the letter that stated they fixed my credit report to reflect I was never late on a payment to have it removed. I'm ready to move on, and the negative credit reporting is holding me up. Please help, it's been a horrible year, and I would like to move on ; please help. They drained my XXXX, and now I can't even get a representative to help fix their mistakes. | ||||||
| 03/10/2020 | Yes |
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| In XXXX of XXXX, I refinanced my home with XX/XX/XXXX( aka ) XXXX. They had paid my taxes due for XX/XX/XXXX. Homebridge who was my current lender at the time claimed they also sent my property taxes - Homebridge was in the process of merging - since my property taxes were paid at the close of escrow, Homebrige should have issued a refund for the excess of balance. I have been calling Homebridge for the last 11 months. There first claim was they paid my property taxes on XX/XX/XXXX. I sent them proof that my taxes had already been paid. Every time I would call they would say they needed to get back to me. They called me XX/XX/XXXX advising me the the payment that was made on XX/XX/XXXX was for my XX/XX/XXXX taxes due. I advised them, that is not correct and showed them again the payment was taken from my escrow account from Homebridge. The representative on the phone told me there was nothing else she could do- I asked for a supervisor to return my call and she said, I would have a call within 24 hours. I am 2 weeks still waiting for the supervisor to call. The tax payment was in the amount of $ XXXX since I then, XX/XX/XXXX( aka XXXX XXXX ) requested I proved them with a post dated check to refund them the property taxes and the homeowners insurance. I have been attempting to work with Homebridge to no avail - meanwhile, XXXX filed a law suit for the {$5100.00} & now I have a judgement on my credit report since I don't have an additional {$5100.00} laying around to pay back XXXX. As a consumer, I have no rights, no one is listening to me and it's me against these large companies bullying me and this is all the result of Homebridge not issuing a refund check. Now this is affecting my mental & physical state not to mention now my credit. Who and how do I resolve this and do I need to possible seek legal action. I also need Homebridge to issue the refund & also provide a letter to the courts to have this removed my credit report. I am essentially paying through escrow and XXXX 3 times the amount of $ XXXX and no one cares - I NEED HELP | ||||||
| 03/22/2016 | Yes |
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| We were left homeless for almost 2 weeks due to the incompetence of XXXX XXXX XXXX ( broker ) and HomeBridge Mortgage. We sold our home and were supposed to close simultaneously on our new home on XX/XX/XXXX, we were given final loan approval and closing disclosures on XX/XX/XXXX only to be told on XX/XX/XXXX that due to a change in credit scores we would have to pay 3.03 % in discount points and wait an additional 3 days for new disclosures. On XX/XX/XXXX we signed the new closing disclosure and were told then on XX/XX/XXXX we were told that the loan was failing QM points and fess and that a fee buyout would be added and the loan would have to be re-disclosed yet again. We received a XXXX closing disclosure on XX/XX/XXXX with another .25 % in points to cover underwriting fees and were told the loan would close and fund on XX/XX/XXXX. On XX/XX/XXXX we were told that the loan was still failing QM and that HomeBridge stated it was a " system error '' and that they were working on it when in fact we were later told that the loan was failing points and fees so we were sent a XXXX disclosure with now an increase of ..375 % in our interest rate and 2.25 % in points, with our backs against the wall, XXXX kids, a dog and no place to live we had no choice but to accept the disclosure with the higher interest rate. On XX/XX/XXXX we HomeBridge reported to our broker that the file was still non-QM compliant, exceeding fees by {$350.00} and that they were again " working on it ''. The loan finally closed on XXXX/XXXX/16, 12 days after it was originally scheduled to and at a .375 % higher rate and 2.25 % more in points. The incompetence on the part of HomeBridge and the lack of timely accurate information being relayed to us and our realtor by XXXX XXXX lending cost us thousands of dollars in hotels, meals out, pet boarding, storage and paying movers to move our belongings twice, not to mention the thousands of dollars we will pay for the higher mortgage rate, with an almost 2 week delay in closing we could have found another mortgage provider. | ||||||
| 06/04/2020 | Yes |
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| I closed on a HomeStyle Renovation Loan with Homebridge Financial Services on XX/XX/2020. There were two major red flags that occurred leading up to the closing, one of which was resolved after I complained. The 2nd one was discovered on the day of closing and I am still fighting with executive management level to get it resolved but no success as of yet. 1 ) About a week prior to my closing, I received disclosure documents that had inflated fees built into my reno costs. The lender added a {$2000.00} " Rehab Fee '' that was never mentioned when I did my initial inquiry before starting the loan process. After complaining and escalating to the branch manager, XXXX XXXX, this was removed prior to closing. 2 ) On the day of closing, I saw my amortization schedule for the first time. My XXXX begins at 137 % vs. being under 100 % as you would typically expect. This increases the length of time to reach automatic PMI cancellation at 78 % XXXX. This is a loan for a total of XXXX ( purchase price of XXXX and renovation costs of XXXX = XXXX ). The XXXX from appraisal company was $ XXXX. I know that the banks will use lesser of the XXXX values for XXXX but Homebridge used purchase price only. That is how they got the 137 % and get me hooked for PMI for longer than I need to. I disagreed and brought it with XXXX XXXX, who then forwarded my concern to the Renovations Manager, XXXX XXXX, who confirmed that 137 % XXXX is incorrect and that is due to a " glitch '' in their " encompass '' program. He confirmed that my XXXX should be 94.05 % to start based on a value of XXXX. So agreed with XXXX 's rationale as that was my argument to begin with. All I asked for was to get revised amortization schedule with the corrected LTVs showing the starting point at 94 %, not 137 %, as that would reduce the number of years to reach 78 % for PMI cancellation. I have escalated my email to highest of executives in the company including XXXX XXXX and XXXX XXXX for the past few weeks but no corrected amortization schedule to date. Please help me. | ||||||
| 08/01/2016 | Yes |
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| First of let me say for a manager to start yelling at a customer is beyond belief. I reluctantly dealt with XXXX and it was one of the worst things I could do. She constantly made excuses, would not call me back or answer questions. I got answers from another lender. She told me that I did not qualify for a loan because the loan to debt ratio was XXXX. Another lender told me XXXX, and I called her numerous times because I wanted to know, would I qualify if I paid off my XXXX car loan. So it would not be considered debt if it were not there. She never even mentioned any other options after running my credit. She is unprofessional, rude and loud. She got angry because I questioned her lack of customer service, went off on me as though she was some street fighter and frankly she only embarrassed herself! Please allow me to send you the emails where she tried to send me to another company. I did not want to deal with her ecause of her poor customer service and you will see that in the emails. I cant believe you have such an unprofessional person in your employ. I would like to speak to the President of the company. She lied and manipulated me into allowing her to r run my credit information. I sent her all of the documentation and she claimed that she looked it over BEFORE to see if it were feasible to run my credit which I do n't believe she did. All she was interested in was running my credit. Also to try to send me to another lender without even trying to earn my business is disturbing. The emails outline the fact that she was ignoring me and I had to get answers from another lender. She never even gave me any alternatives to make the loan work. despite all of this, no 'PROFESSIONAL ' has the right to yell at a customer., tell them anything to run their credit then abandon the customer Here is her information XXXX XXXX , Sales Manager/Mortgage Loan Originator, XXXX # XXXX HomeBridge Financial Services , Inc . XXXX Member Preferred Lender XXXX XXXX XXXX XXXX XXXX, NJ XXXX o : XXXX c : XXXX f : XXXX e : XXXXXXXXXXXX | ||||||
| 06/17/2021 | Yes |
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| This all began in XX/XX/2020. My mortgage company Homebrigde took two payments ( XXXX ) from my account and when i informed that they took t wo payments from my account they agreed to send one of the payments back. I spoke with them on many occations and no funds returned until XX/XX/XXXX. Prior to them taken the two payments they sent me a letter that my payments will be going up by XXXX as of XX/XX/XXXX which brought my payments to XXXX. I attempted to contact homebriged XXXX, XXXX XXXX, XXXX when i paid my payment in XXXX the person on the phone states the I attampere paid XXXX in XXXX and when I went to pay in XXXX the customer services person stated that I only needed to pay XXXX I explained that I paid XXXX last month he insisted that I paid XXXX he stated that I only needed XXXX i gave him that amount and it was reported that I made partial payment. They still had not returned the XXXX they took in XX/XX/2020. XXXX i got my bank involved and homebridge sent me a check for XXXX. I still had not gotten a explanation for the raise in house payments in XXXX, Now in XXXX I spoke with a customer services and the issues seem to have been resolved he states that a supervisor will call me and financialize mistake and would correct my credit report regarding my house payments. NOTE : I have never missed a house payment since i have been with Homebridge XXXX my amount on my invoice was going up to like XXXX dollars and no one would give me a reason why I put in at least 20 request to speak to a supervisor and was never contact by a supervisor so I paid XXXX for the months of XXXX, XXXX, XXXX, XXXX Now come XXXX and my invoice states that i owe XXXX dollars and im behind in payments XXXX the XXXX I agreed to pay them XXXX to resolved the issues. I paid XXXX on XXXX the XXXX and they sold my mortgage to XXXX and I and scheduled to pay them starting XXXX now my payments XXXXmonthly my credit is bad due to there mistake | ||||||
| 03/22/2021 | Yes |
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| At closing my initial escrow starting balance was {$1400.00}. However, my 1098 from my lender Homebridge Financial Services XXXX Inc shows my starting balance was XXXX. Homebridge Financial Services, Inc was paid towards my tax escrow for XXXX. However, I received a letter from XXXX County stating I was delinquent on my taxes and that a tax lien was going to be placed on my property on XX/XX/XXXX as my taxes were due in XXXX of XXXX. My mortgage lender Homebridge Financial Services , Inc failed to pay my taxes and when I tried reaching out both by email and phone I couldn't get anyone on the phone to actually look at the closing documents or pay the taxes prior to the lien date. I was given a run around all the times and I was hung up on several times when I asked to escalate the calls. Therefore I had no choice but to pay the {$1600.00} of the taxes out of pocket and use a credit card plus my saving so my house wouldn't go on sheriff sale on XX/XX/XXXX as the county had said that would have been the date the house would go on sale on. I have attempted to call my lender so can they refund me my money including all the interest on my credit card and the penalties that was charged to me by my county. All the times I have called Homebridge Financial Services the people are rude and will not listen to my issue and will not even look at the closing document to see what happened. I have had to retain an attorney to get this resolved and have paid retainer fees out of pocket just to get them to do what is right and what should have been done from day one. My emails have gone unanswered at all. I also tried getting my Mortgage Broker to reach out to someone within the company and have not had any luck and the closing attorney have not been able to help outside of sending me my copies of the closing documents showing Homebridge Financial Services , Inc was paid at closing and it is out of their hands. | ||||||
| 04/30/2020 | Yes |
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| My partner is on furlough from his job so we have a financial hardship to household income. We have an FHA loan so I logged into the Homebridge ( our mortgage servicer ) website understanding that we could apply for a forbearance or a deferment of payments ( the latter being the preference ). The website says only forbearance is available and any skipped payments must be repaid in one lump sum at the end of the forbearance period. They even provided this example ( copied straight from their page ) : Example One : 1. XXXX 's monthly mortgage payment is {$1500.00} and is due on XXXX XXXX. He chooses a 90-day forbearance in XXXX. As a result, the forbearance period will run from XXXX through XXXX. During this time, his monthly mortgage payments are suspended. At the end of the forbearance period, XXXX will owe a total of {$6000.00} on XXXX XXXX. That is, he will owe {$4500.00} for the XXXX through XXXX payments, plus his XXXX payment of {$1500.00} ( total = {$6000.00} ). Example Two : 2. XXXX 's monthly mortgage payment is {$1500.00} and is due XXXX XXXX. He chooses a 180-day forbearance in XXXX. As a result, the forbearance period will run from XXXX through XXXX. During this time his monthly mortgage payments are suspended. At the end of the forbearance period, XXXX will owe a total of {$10000.00} on XXXX XXXX. That is, he will owe {$9000.00} for the XXXX through XXXX payments, plus his XXXX payment of {$1500.00} ( total= {$10000.00} ). We can't repay a large lump sum like that so I guess we're left on our own to figure out other options. I was under the impression the CARES act was supposed to benefit the consumer by allowing deferments but clearly not ; I don't understand how anyone who suffers a job loss can be expected to come up with a {$21000.00} lump sum payment in six months ( our payment is $ XXXX/mo x 6 months = {$18000.00} + the next payment of {$3000.00} ). | ||||||
| 01/08/2020 | Yes |
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| On, XX/XX/2019, I enrolled for ACH withdrawal of my mortgage payment on Homebridge Financials online account center and there were no errors shown. So I thought everything was setup correctly and so forgot about it. On XX/XX/2019, we found a letter on front porch of our house indicating that we were late on mortgage payments. I was surprised at seeing that and immediately logged into my account, and first thing I I did was to clear the pending balance on the account and then started investigating what happened. As I looked online at all the documents that they mailed, I did see that they did mail a notice to my home address about an issue with my ACH setup. But when looked at the address closely, I noticed that the mailing address was incorrect. The street address was correct but it had a different city and zip code. I was very sure that at one point I was receiving my statements from them, so when I looked at the old statements online, they had the correct mailing address until XX/XX/2019 but starting with XX/XX/2019 statement, they had incorrect address. I never contacted them to change the address and they changed my personal information without my consent. Due to unauthorized change of mailing address, I never received any notifications of incorrect ACH setup or about late payments. I now have a " 30 Day Late Payment '' remark on my credit report that has adversely impacting my credit score and will continue to impact for the next seven year. Had I know that there was an issue with my ACH setup, I would have taken care of it immediately and resolved the issue before it went to past due status. All this for the mistake that the bank did on their part by changing the mailing address without my authorization. I tried to dispute this with the bank and the credit reporting agencies with no success. I kindly request you to please help me resolve this issue. | ||||||
| 12/23/2019 | Yes |
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| On XX/XX/2019 I began the process of a mortgage loan refinance with Homebridge Financial Services , Inc. license # XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX My loan officer was XXXX XXXX XXXX NMLS # XXXX. The loan was scheduled to close on XX/XX/2019. Unfortunately, the loan did not close. Homebridge Financial and Mr. XXXX vanished on XX/XX/2019 leaving me wondering the status of my loan. I reached out to Mr. XXXX on XX/XX/2019 and requested a explanation. Surprising, I received a statement of credit denial stating my " original application was denied '' due to a credit inquiry on XX/XX/2019. I have a copy of a XXXX credit report from XX/XX/2019 going back several years. The specific reasons Homebridge is stating they based their credit decision on simply does not exist. To put this in perspective I have spent 65 days providing documents, answering questions ( via phone, email and text ), meeting with a home appraiser to whom I paid {$870.00} and retrieving professional estimates for repair work ... ... all for a mortgage loan Homebridge Financial is now claiming never existed???????? I have in my possession the following documents that further prove the validity of this loan : 1. Uniform Residential Loan Application with a " Welcome to Homebridge letter ''. XX/XX/2019 2. Preliminary Commitment for Title Insurance requested by Homebridge Financial. XX/XX/2019 3. Mortgage Loan Commitment from Homebridge Financial Services. XX/XX/2019 4. Receipt for appraisal services {$870.00} XX/XX/2019 5. A check for the refund of the appraisal service by the appraiser in the amount of {$870.00} with a " general release '' for keeping quiet regarding the fraudulent appraisal. 6. 2 professional estimates for repair work. XX/XX/2019 7. Pre-closing disclosure documents signed on XX/XX/2019 8. 60 emails and 200 text messages regarding this loan. | ||||||
| 08/10/2018 | Yes |
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Web | Servicemember |
| CONTACTED SERVICER XXXX=CUSTOMER SERVICE REP STATES THAT XX/XX/2018 ESCROW ANALYSIS WAS COMPLETED AND SENT TO BORROWER VIA US MAIL , SHE PUT IN ORDER TO EMAIL ESCROW ANALYSIS, AND WE SHOULD GET IT IN 24-48 HOURS THE CURRENT PAYMENT AS OF XX/XX/2018 IS {$680.00} UPB $ XXXX..UNAPPLIED/SUSPENSE BALANCE $ XXXX.SHE TRANSFERRED US TO DEFAULT DEPT ... .... 1ST REP XXXX/ID XXXX=SHE STATED BALANCE DUE WAS XXXX 3 MONTHS DELINQUENT BREACH LETTER WENT OUT. 1ST REP XXXX/ID XXXX ... SHE PUT IN TICKET/CIT REQUEST TO REQUEST THAT FUNDS IN UNAPPLIED BE PAID TO XX/XX/2018 PAYMENT, SHE PUT IN THE SYSTEM THAT THE BREACH LETTER IS NULL AND VOID NOW. THE BALANCE SHOULD NOW BE {$2300.00} ONCE UNAPPLIED FUNDS POST TO ACCOUNT. WE ASKED IF THIS BANK ERROR, ( SENDING PAYMENTS BACK SUCH AS XX/XX/2018 RETURNED {$580.00} THAT IS SET UP ON AUTO DEBITED FROM HIS CREDIT UNION ACCOUNT BY HIS CREDIT UNION ) HE WOULD HAVE LESS OF A DELINQUENCY BALANCE AND SHOULD NOT HAVE INCURRED ANY LATE FEES. REP RESEARCHED THIS QUESTION AND STATED=SHE FILED ANOTHER CIT TICKET TO HAVE LATE FEES REMOVED FOR XXXX, XXXX AND XXXX WHICH is PENDING AT THIS TIME, REP NOT SURE HOW LONG THIS WILL TAKE TO ADJUST.. MR XXXX REQUESTED THAT THE ADJUSTED/CORRECTION BE EMAILED, REP STATES IT WOULD NOT BE READY SINCE SHE JUST SENT THE CIT TICKETS, HE WILL NEED TO CALL BACK TODAY OR TOMORROW. As of this date they have not completed the CIT tickets Completing the tickets would give me the actual balance due in order to bring my payments current. I pay my mortgage through my bank auto-pay. My payments were never late. They force applied insurance when I have insurance, made payments to the insurance company out of my mortgage payments. Wanted me to pay them {$3800.00} by XX/XX/2018. Charged me late fees when I was never late due to auto-pay. Have not completed CIT tickets so I can bring my account current. | ||||||
| 05/06/2021 | Yes |
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| Homebridge took my mortgage loan over in XX/XX/XXXX because I had done so good in 1st year on FHA loan and I received lower interest rate. XX/XX/XXXX Called Homebridge to request Forebearance XX/XX/XXXX logged into website on Homebridge to pay monthly loan and showed I owed XXXX and XXXX so I called CS Rep said Forebearance done incorrectly so paid loan to XXXX and put me properly in Forebearance for XXXX XXXX XX/XX/XXXX Homebridge sent me letter saying they sent Credit Bureau incorrect info and they have fixed it and will take 30 days and apologies that credit was dinged when should not have been. ( attached ) XX/XX/XXXX Forebearance ended Loss Mitigation told me I was approved to pay XX/XX/XXXX at the end of loan, it was deferred. XX/XX/XXXX went to pay loan and logged into Homebridge and saw random bank account on my profile ( picture attached ) o Called Homebridge, CS Rep said this was my fault, I hadnt logged in though since XX/XX/XXXX and at that time that account was not on profile, I tried to explain but agent would not listen to me and just kept repeating this was my fault. XX/XX/XXXX called Homebridge and made over the phone payment for XX/XX/XXXX XX/XX/XXXX called Homebridge again to pay XXXX. XX/XX/XXXX called Homebridge again to pay XXXX. XX/XX/XXXX set up online payment to pay XXXX and showed I didnt owe double mortgage payments XX/XX/XXXX sent info that Freedom Mortgage bought my loan XX/XX/XXXX XXXX XXXX said to send XX/XX/XXXX and XX/XX/XXXX bank statements to show I paid XXXX and it was not sent back to my checking account XX/XX/XXXX called XXXX and still no answers and said to check back XX/XX/XXXX. The entire time I have asked to speak to supervisors and for help and have never heard from a supervisor and have never had anyone truly help me except to blame me for all of this and also being called a XXXX. | ||||||
| 06/16/2021 | Yes |
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| I have made numerous attempts to contact Homebridge Financial Services, Inc regarding my escrow refund in the amount of {$2300.00} since XX/XX/XXXX and they refused to send me the refund. Instead they have forged my name on the back of a check that I never cashed and they refused to provide the banking information where check was processed. I have repeatedly spoke to numerous reps that admitted check was not cashed or submitted to my residence. During this process I spoke to several representatives on : XX/XX/XXXX, spoke to XXXX employee # XXXX stated check was mailed to XXXX XXXX XXXX XXXX but was never cashed and she submitted request to reissue check. On XX/XX/XXXX, I spoke to XXXX at extension XXXX, which stated check was never cashed and she completed a form to expedite check to be mailed to my residence in 10 days. On XX/XX/XXXX, I talked to XXXX she stated see previous notations from other representatives in her organization that check was in process to be mailed. On XX/XX/XXXX at XXXX XXXX I spoke to XXXX XXXX XXXX through email she stated check was mailed on XX/XX/XXXX. On XX/XX/XXXX at XXXXXXXX XXXX, she verified that the check has not cleared and would like to proceed with it being reissued to my residence. On XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX stated she received a call that check was cashed and cleared on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX stated according to your Servicing Accounting Department the check was cashed by XXXX XXXX, a subsidiary of XXXX XXXXXXXX XXXX XXXX. Then, XXXX XXXX XXXX stated if check was cashed by someone else other than myself, I need to file a police report and submit to Homebridge Financial Services , Inc, so she can complete fraud paperwork. I filed a police report and submitted document to Homebridge Financial Services, Inc office. I am requesting assistant to resolve this matter. | ||||||
| 09/22/2020 | Yes |
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| I co signed for a loan with my son so he can purchase a home. Homebridge Financial Services is the mortgage co. I am in the process of trying to purchase a home. They put my son on Forbearance without his permission. He didn't realize until I applied for a mortgage and it came up. My son realized that they didn't do the withdrawal. This was in XXXX, so the made XXXX and XXXX payment together. My mortgage company saw the late payment and requested a letter from the company stating that - They made an error and put him on a forbearance and that is why they didn't take the payment and that he paid once he realized he XXXX was taken out. On XX/XX/XXXX my son and my mortgage broker called the company requesting that letter. They said it will go out on the XXXX of XXXX. When called on the XXXX they said it went out on the XXXX. When I called on the XXXX stating it hasn't been received, they said they will fax it and it will take 24 to 48 hrs. When I called on XX/XX/XXXX and was disconnected 5 different times spoke to 6 different people, some said they do not see the letter. The other say they did. Employee ID # XXXX was going to email Managers and see what they can do for me. I was unable to speak to a manager or supervisor when I asked. Last night we spoke to someone again with my mortgage broker on conference call. They said they see no letter and there is nothing they can do for us. This morning my wife got a fax, a useless fax just stating the definitions for the column headings and my loan history. Loan history was not attached. This letter is not what we need. I have exhausted all avenues with Homebridge on getting this letter. Not only will I lose the house but I have been just advised that I will lose my {$20000.00} deposit which I definitely can not afford to do. Contract is voided on XXXX, 2020. I am on a time constraint. | ||||||
| 07/16/2016 | Yes |
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| Against XXXX / HomeBridge Financial Service My mortgage payment is setup the way I have to pay the monthly bill and the mortgage company pays the insurances and XXXX taxes out of my escrow account. The monthly payment is basically a combination of the principal, interest and escrow payments. I had been paying all bills on time and somehow the XXXX said that the XXXX tax was not paid ( {$3300.00} ) and XXXX claimed it was paid. This went on until the XXXX put a lien on my house and finally XXXX made a payment again out of my escrow in XXXX. I know the XXXX tax was taken out of my escrow account in XXXX and I have documents to show that. A second XXXX in XXXX ( {$3900.00} : initial amount + late fee and interest ) was refer on my monthly as Utility bill. That payment also turned my escrow balance to a negative as a result they increase the escrow payment with my monthly payment going from {$1300.00} to {$1600.00}. When I first called about this, no one at XXXX knew what that utility was. I called multiple times the XXXX tax office to confirm it 's not other than XXXX tax. My mortgage management was transferred to HomeBridge Financial Service and since XXXX XXXX, I 've been trying to make these people understand that I ca n't pay twice the yearly XXXX tax and they do n't even attempt to listen my side. Lately, HomeBridge Financial Service started to return my monthly payment since I kept sending them what was my monthly payment before XXXX XXXX ( {$1300.00} ). Now, they threatening to drive my mortgage to foreclosure. All I want is for them to answer the following simple questions : Was the XXXX tax paid out of my escrow? If the XXXX did not recognize the payment of XXXX tax, is n't that a problem between the XXXX and XXXX / HomeBridge? Why do I have to pay twice the tax for XXXX? Thank you, | ||||||
| 03/05/2019 | Yes |
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| I received an XXXX XXXX dated XX/XX/XXXX ( see attachments ) saying there is {$310.00} shortage amount on my loan and that divided by 12 months, there will be an increase of {$26.00} to my monthly mortgage payment. Then I received another letter on XX/XX/XXXX ( see attachment ) showing the shortage to be {$410.00}. As a background, my loan originated XX/XX/XXXX and I have been paying a {$100.00} Escrow payment towards PMI. I do not currently have an impound account. Per my amortization schedule, the PMI is to remain static until I reach the 80 % debt to loan ratio. Also, as of XX/XX/XXXX my loan was transferred to a new servicer. I contacted the new servicer on several occasions to understand what the shortage payment is for and they weren't able to help me because they are saying they don't see any transaction history prior to XXXX. Two supervisors ( XXXX and XXXX ) requested the transaction history from the old servicer and haven't received the document. They are claiming they are just collecting this amount on behalf of the old servicer and have nothing to do with it. I've also been in contact with the old servicer and they are also saying they don't know why there is a shortage payment. No one is able to help me and this is my last resort to get this issue resolved. I have made my mortgage payments on time every month since the origination of my loan and I don't understand why there is a shortage payment and why I would be the one responsible for that when I pay what I owe every month. I am not in control of when and how much money goes in and out of the escrow account, and I shouldn't be punished for it. I feel I am being given the run around by both servicers. No one is able to help me and I'm reaching out to you. Please help me to resolve this matter. | ||||||
| 02/28/2018 | Yes |
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| They are discriminatintg based off national origin. The fact of someone working out of country mostly as a XXXX XXXX. The taxes were filed under being an XXXX XXXX and they said that it doesn't prove a full year of work history since I have not resided in the United States for that full year. Even though income that was earned out of country was included in the income tax return they still will not accept income tax return as evidence of working independently for the full year. They only are accepting about 6 months out of the year when the XXXX was granted. In my country if you earn under a certain amount you are not required to file taxes. Earned under that amount so I did not have to file taxes in my country. I only had to file taxes in the United States. This should be acceptable I did exactly what I was supposed to. They also will not allow me the opportunity to amend my tax return to specifically say what income was earned out of the country. They say that that would be changing the tax return to get approved for a loan. Even though it's not it will be changing a tax return because you noticed something was possibly wrong. They are forcing me to wait until it has been a full two-year. Or they are forcing me to get documentation from a third-party out of country that does not exist. I told them I was working XXXX and I file my taxes working XXXX and they will not accept that. I also have bank statements and XXXX XXXX to prove some of the payments that I receive. And they will not accept that they want something from an employer and there is no employer if you're working as an XXXX XXXX. They said the documentation has to be from a third-party. I do not feel like this is fair I feel like I'm being discriminated against. | ||||||
| 09/28/2020 | Yes |
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Web | Servicemember |
| Homebidge Financial Services and XXXX are my mortgage service company. I have made all my payments on time and those payments posted to my account summary and the last payment for XX/XX/2020 posted on XX/XX/2020, and 3 days later I received an email from Cenlar telling me I am in FORBEARANCE. I never asked to be in forbearance. The website has forbearance information on the Mortgage account page which does not allow you to advance to your account without clicking on the CLICK HERE section, I clicked it so that I could get to my account and make a payment and 3 days later I received a forbearance email so I called XXXX the only number available and they began to give me the runaround, telling me that they will get someone to fix it, put me on hold for hours at a time then disconnecting me. I have been calling them since XX/XX/XXXX to fix this issue and each time they say/do the same thing. They say " Please hold while I get someone to fix this issue '' then they put me on hold, they come back after about 15 min and say " Please continue holding '' then put me on hold again and this goes on for hours EVERY DAY. They have been sending me letters saying if I do not make my payment or fill out the forbearance paperwork that my house will go into foreclosure. Each time I call them I tell them I never asked for the forbearance and I want them to fix it, take it off of my mortgage and put my payments back on my mortgage. Today I was told by XXXX employee # XXXX ( probably fake name and # ) that she is going to put in the notes that I asked them to remove my mortgage payments so that my account will be delinquent, I told her that is a fraud and she said that is what she is going to do then she put me on hold and disconnected me. | ||||||
| 07/31/2019 | Yes |
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| I recently refinanced with Homebridge Mortgage Company and my first payment was due on XX/XX/XXXX. I went to their website on XX/XX/XXXX to make the payment and their system would not allow me to make just the XXXX payment, it required me to make XXXX & XXXX. I was forced to make both payments because if I didnt, then I would be penalized with a late payment. The next morning, XX/XX/XXXX, I called them to see if I can adjust the payment to just XXXX payment and pay XXXX at a later date. The representative on the phone advised me to cancel the entire payment and he would then transfer me to someone else to re-do the payment to just cover XXXX. I was very concerned that if I cancelled, they would report it late on my credit report but the agent reassured me that they would not report it late. I agreed to cancel and he transferred me to make the single payment. When I tried to make the payment with the next agent, she told me that they no longer had my loan and it was transferred to another lender and I was unable to make the XXXX payment with them. When I called the new lender, they advised me that it would take at least 10 days to see the loan in their system and told me to call back then to make the payment. Now Homebridge reported me late for the XXXX payment and I am requesting they remove that late payment from my XXXX credit report. The Homebridge agent gave me incorrect information. If you check the records, my payment was made on-time ( not XXXX days past due, it was XXXX days ) and it was cancelled the next day. It is unfair to force consumers to pay XXXX months before the month is technically over. If it was not for the agent giving me the incorrect information, my credit would not be effected. | ||||||
| 03/23/2015 | Yes |
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| We recently originated a home mortgage for a primary residence with HomeBridge Financial Services of XXXX, GA. Only the XXXX payment only was due to HomeBridge, and XXXX took ownership of the loan and loan servicing with two weeks of closing. HomeBridge assured me the first and all subsequent payments could be made to XXXX, this is what we 've done, and no payments have been late. We have since been billed by both HomeBridge and XXXX, whereas the loan and subsequent documents clearly show XXXX as the correct loan servicer. HomeBridge continues to invoice us showing multiple months of late payments and late fees. We brought the issue to HomeBridge and XXXX upon the XXXX mistaken invoice ; HomeBridge would only give a verbal " we 've fixed it ''. Our concern was the HomeBridge mistake could lead to negative filing with the credit bureau. HomeBridge sent an email stating that no negative reporting would occur ; however, this was false. They had made a negative report to the credit bureau based on their inability to correct the mistake. To clarify, HomeBridge sold the loan but is attempting to continue collecting. In doing so, they are applying late fees on top of payments that are not due to them, and now confirmed that they made a negative filing with the Credit Bureau. This is negligent noncompliance with the Fair Credit Reporting Act. HomeBridge states that they are remedying their cascade of mistakes ; however, failing to act on previous verbal and written assurances leaves us in a position to defend our rights, our credit and our money from the clearly dysfunctional and untrustworthy HomeBridge Financial Services, Customer Service and Loan Administration departments. | ||||||
| 08/02/2021 | Yes |
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| XXXX of XXXX I closed on a refinance loan with homebridge financial and XXXX title company. On XX/XX/XXXX I noticed a change in my Homebridge financial monthly mortgage payment amount. I contacted the mortgage company and I was told at that time the reason for the increase was due to an increase in property tax and homeowner insurance. I received a statement in the mail from XXXX county that shows my property taxes are XXXX. They were indicating a shortage of my escrow by over XXXX that would have to be paid over a 12 month period. I received no prior communication of the shortage. XX/XX/XXXX I contacted Homebridge financial and spoke with another representative XXXX that explained to me that the analysis was done incorrectly they overpaid my property taxes for the previous year. They paid XXXX county a total of XXXX for XXXX. I was told That a high priority ticket would be submitted and my account should be adjusted in a couple of days back to my original amount of XXXX. On XX/XX/XXXX I called again to homebridge to follow up with the ticket because my account was still Showing the shortage calculation. I spoke with another representative that is now telling me that My title company XXXX title Created the error when my escrow was created. They are claiming that my escrow wasnt enough to over taxes and insurance and they have been paying the taxes to keep the account current. Again no communication was given to me with this occurring until the change was paid for this mortgage payment XXXX. They are not addressing the fact that they didnt pay my property taxes on XXXX of XXXX and they sent two payments in XXXX Causing my escrow to be short. | ||||||
| 05/03/2021 | Yes |
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| When I purchased my home, I took out a mortgage with HomeBridge Financial Services. Everything has been great, up until this last year. The mortgage company escrows my insurance and taxes, and my insurance is due in XXXX of each year. In XXXX of XXXX, my insurance agent mailed the invoice to the mortgage company. In in XXXX of XXXX, HomeBridge sold my mortgage to a new servicer. I received my new statement for my new servicer & my payment increased by $ XXXX/month. When I inquired, it was because of the escrow. I found out through my insurance agent that HomeBridge never paid my insurance policy in XXXX of XXXX. I immediately called HomeBridge, they refuse to speak with me because I am not longer a customer ( since they sold my mortgage not even 1 month ago ). I finally got through to someone who in turn hung up on me & told me they wouldn't help me. She informed me that they forceplaced insurance in XXXX of XXXX because the home needed to have insurance ( OBVIOUSLY! ). If they would've paid the invoice that my agent sent in XXXX, this would never have been an issue!!!! Insurance rates have skyrocketed in my state, so now to get a new insurance policy in place, I have to pay for new inspections, and my premium is going to be MUCH higher than it was when my agent sent the invoice back in XXXX. I am out HUNDREDS if not THOUSANDS of dollars because HomeBridge is incompetent and refuses to take responsibility for their mix up. The woman at HomeBridge acknowledged they never tried to call me, but they may have mailed me something ( which I never received ). How could I have fixed this if I didn't even know it was an issue???? | ||||||
| 01/10/2016 | Yes |
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| On XX/XX/XXXX I contacted Homebridge Financ to find out why we had not received our escrow check to pay our XX/XX/XXXX taxes They said they would pay it themselves instead of us paying it They then said they did not receive a tax bill so i faxed to them XX/XX/XXXX i contacted them on XX/XX/XXXX cause taxes still not paid then again XX/XX/XXXX check still not mailed. they then said i signed a paper work stating i for them to pay the taxes for us NOT TRUE. When we were with XXXX our escrow check was always mailed to us by XX/XX/XXXX so that we could pay our taxes within the same year. Someone also indicated to me that as long as our taxes are paid by XX/XX/XXXX you will still be able to file your taxes by XXXX when the check finally arrived it was XX/XX/XXXX it was shown the check was cut on XX/XX/XXXX but the envelope post mark date was XX/XX/XXXX XXXX I was being told numerous of times that it was mailed but it was not we took it upon ourselves to pay our XX/XX/XXXX taxes before XX/XX/XXXX because the check still had not come. The village returned our personal check after receiving the check from HOMEBRIDGE. I am also being told that the surplus from my escrow will not be returned to me because HOMEBRIDGE until XX/XX/XXXX because they are waiting to ensure my property insurance is fully paid up. Every year I pay my property insurance my property insurance is part of my mortgage payment. why are you holding my surplus to draw interest? We want to know how this can be corrected for XX/XX/XXXX and future years we want our escrow check mailed directly to us at our home address post marked no later than XX/XX/XXXX | ||||||
| 10/22/2020 | Yes |
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Web | Servicemember |
| My wife and I had a loan with Homebridge ( # XXXX ) and in XX/XX/XXXX decided to take advantage of the VA IRRL program and refinance to a lower rate. On XXXX, Homebridge responded to a payoff request by the new lender, XXXX XXXX XXXX. The payoff request submitted by Homebridge estimated a payoff of {$540000.00} if paid in full by XXXX on XXXX, after adding additional interest for the four days, XXXX XXXX a transfer in the amount of {$540000.00} to Homebridge . On XX/XX/XXXX, Homebridge issued a letter stating that our mortgage had been paid in full. On XX/XX/XXXX, Homebridge mailed out an escrow refund check in the amount of {$3000.00}, which was less than expected. Upon reviewing the annual escrow account disclosure statement provided by Homebridge, it indicated that {$2500.00} was subtracted ; however, there was no explanation in the statement was listed next to the amount. After 3 calls this past week to Homebridge 's customer service, resulting in over 6 hours of waiting time, a manager tried to explain that the reason that money was subtracted was because the payoff was less than expected and that it should have been {$540000.00}. I tried to explain that the payoff was requested by Homebridge and that they received the amount provided by them. At no time, was I notified that the payoff was short or that they would take this amount from my escrow account. I am waiting for an explanation from Homebridge but in the meantime, I believe I am due {$2500.00}. Thank you for your asistance in resolving this matter. XXXX and XXXX XXXX | ||||||
| 12/02/2020 | Yes |
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| So in XXXX when Covid happened I knew my pay/commissions would suffer and I reached out to Homebridge Financial who told me if I made a payment in XXXX for XXXX they would put my on forebearance for 3 months. At end of this from XXXX through XXXX I kept getting run around about coming off and pushing payments off until end of loan. Right up front I told them I would not be able to pay lump sum and they continued to tell me I would not have to all the way through XXXX and I have a letter from them admitting I was told that in error and they would use as training. I was told these payments would be pushed to the end of the loan and I could make first payment in XXXX and when I called to make a payment they said I need lump sum or nothing. I contacted the MA Atty Generals office ( who suggested now I contact you too ) who told me Cares Act and Chapter 65 laws do not allow mortgage company to do this. I sent paperwork to them multiple times to get loan modification and continued to get letters saying they don't have the info so I resent 3 times. They have not returned emails from MA Atty Generals office either. I followed what I was told to do by not only Homebridge but also MA Atty General 's office from day one. I also received a message from them they received my info and would look it over and then a second letter saying they needed more time. The admitted errors on their part have put me in this situation and honestly I find it to be more fraudulent then errors made. I am reaching out again at the advice of MA Atty General 's office | ||||||
| 04/10/2019 | Yes |
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| I had been working with a XXXX approved Housing Counselor since XX/XX/XXXX, assisting me with my request for mortgage assistance. I was approved for the New Jersey XXXX XXXX XXXX XXXX which provided monthly payment assistance for several months. However due to the severity of my medical condition ( XXXX ), I had fallen behind on my mortgage and loss my job. I was able to obtain gainful employment and requested the Housing Counselor 's assistance with an application to the mortgage company for a loan modification on XX/XX/XXXX. I received a Summons & Complaint from the lender 's attorney in XXXX of XXXX, In which the Servicer is the plaintiff. Due to application documents expiring, an updated application for modification had to be re-generated. An updated submission went out on XX/XX/XXXX. Due to the severity of my medical condition it has delayed the process for me. On XX/XX/XXXX, The XXXX inquired of my son 's income information. In a letter of explanation, I responded that my son is not on my mortgage we only share a bank account. On or about XX/XX/XXXX I received legal notification from the lender 's attorney motioning the court to substitute a new plaintiff. I have not received any communication from The servicer or the new purported Plaintiff indicating there has been a change in servicing or change in investor with regard to my loan. There had been no determination regarding my application request for modification with the servicer. I would ask that the CFPB conduct an investigative inquiry in to this matter for me. Thank you | ||||||
| 11/13/2019 | Yes |
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Web | Servicemember |
| In XXXX, the mortgage company ran an escrow analysis which showed an escrow shortage on our account. In XXXX XXXX payment, our payment showed significantly higher because of the shortage but because we could not afford the shortage of approximately {$3000.00} at the time, we paid the mortgage due. Mid XXXX, we paid the escrow shortage of {$2700.00}. Weeks go by and to our dismay, Homebridge misapplies our escrow shortage payment to XXXX XXXX mortgage payment, which is why we did not have a XXXX payment due. I was expecting our payment to go back to normal. I call the mortgage company repeatedly to get them to reapply the payment and fix our monthly payment for XXXX. This takes multiple phone calls. XX/XX/XXXX rolls around and the XXXX payment is still showing the incorrect payment amount and they still have not updated it. Then, they finally move the funds around to our escrow, however, they run another escrow analysis WITHOUT MY PERMISSION, showing another ESCROW SHORTAGE of another {$400.00} after I HAD PAID THE INITIAL {$3000.00}. Around this time ( it is the second week of XXXX ), I have called them repeatedly to have them update the XXXX payment, and still to no avail, because I have gotten tired of waiting, I had no choice but to pay the XXXX mortgage payment + the {$400.00} shortage. NOW, we are stuck waiting for them to update XXXX XXXX payment. WHICH IS SHOWING the full payment amount AGAIN. This has been a whirlwind and I have been so incredibly tired of dealing with such a disorganized company. | ||||||
| 01/02/2022 | Yes |
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Web | Older American |
| On XXXX XXXX. 2020 I submitted a letter to Homebridge Financial for assistance because I got behind in mortgage payments due to getting XXXX. I was not able to work a full schedule because I was too weak. ( Im a XXXX, got XXXX from my patient ) I had to qualify for one of their programs. I finally qualified for one of their programs. I started dealing with XXXX XXXX in the loan modification Dept. I followed all his instruct to the t because I wanted a loan modification for a lower payment. I believe I made 11 or 12 payments between $ 860- $ 900 monthly. In the meantime they sold my loan toXXXX XXXXXXXX and still kept collecting monies from me. XXXX XXXX said that I would be getting a loan modification soon. He also requested that I NOT contact XXXX XXXX because it would be counter productive. These payments to Homebridge were made with a card called XXXX XXXX. I dont have any receipts but I do have some of these cards I. My possession. I eventually called XXXX mortgage because my husband said it sounded like a scam. And he was right. My house is in foreclosureand I owe & XXXX to XXXX mortgage. I only get a recording when I call Homebridge Financial. And XXXX XXXX does not take my calls anymore. I got scammed from this mortgage company. I need all my money back that I gave to XXXX XXXX for a loan modification that never happened. He lied and cheated for Homebridge. And I am currently in foreclosure. Here are the pertinent numbers Loans # at Homebridge XXXX XXXX XXXX XXXX and XXXX Homebridge financial XXXX XXXX | ||||||
| 11/05/2021 | Yes |
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| Today, 8 days before closing, I got a call from my realtor today about a hiccup in the loan process. Naturally, I was very confused. She explained that something had happened, and now my husband and I were no longer eligible for our loan. I freaked out a little and texted our loan officer who did a very poor job of explaining via text that there was an algorithm update, and thats just how it is. I spoke to him on the phone later, and he clarified : The bank ( Homebridge ) runs the loan through an algorithm provided by XXXX XXXX, and this algorithm gets updated fairly regularly. What seems to have happened is that the previous version of this algorithm deemed us worthy, the update happened, the bank finished the underwriting process and ran the loan through the NEW algorithm, and even though NOTHING has changed on our side, the code has now deemed us unworthy, as of XX/XX/XXXX. Our loan officer told us he and the real estate lawyer have been on the phone with XXXX XXXX for the last 3 days trying to figure out whats going on, and no one at XXXX XXXX can figure it out either. No one on either side of this process can identify a single thing that change our eligibility EXCEPT FOR THE UPDATE IN THE ALGORITHM. Now, the ONLY way we qualify is if we double our down payment from 5 % to 10 %, which raises our closing costs to $ XXXX. There is no way we can come up with $ XXXX in a week or less, and since we're currently renting, we might end up homeless if our landlord has rented out our unit without telling us. | ||||||
| 05/25/2016 | Yes |
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| I am having massive issues with HomeBridge Financial Services , Inc . The loan processing times have been lengthy with consistently wrong paperwork in terms of costs, payoff, and cash required to close. I signed the final documents only to be told 4 days later that my loan had to be redrawn at a lower payoff amount because they failed to get accurate payoff numbers ( I had made 2 mortgage payments of which they were advised ) because they had a limit on cash that could be returned to me and could not use the cash to pay down the principal on the new loan. It has now been another week and half and I have been presented with a new CD that has the same payoff and loan amount as the previous documents that I signed with more wrong numbers to fill it in. The loan would fail again. I can not get them to provide a correct estimate or a correct CD and they do n't seem to want to correct the errors in a timely manner or at all. I have supplied correct payoff information and correct numbers through my finanical rep and there is NO reason for these delays or incompetence. Please tell me how I can close my loan and make them do their job. Meanwhile I am paying alot of daily interest to carry this loan. We estimate my loan amount should be in the $ XXXX-XXXX range and lender insists it is much higher. Payoff is {$310000.00} through XX/XX/XXXX. With the credit negotiated for my loan the payoff amount meets the same as the loan amount nearly. I dont understand why this is such a ridiculous process. | ||||||
| 06/12/2015 | Yes |
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| XXXX with HomeBridge Financial Services delayed the closing for 15 days. We had asked from the very beginning if it was feasible to close this in 30 days he assured us it was, knowing the clients low credit score and harder qualification process. The week of closing he was requesting verification on renters history which should have been dealt with way earlier. He was not getting any response from the Rental office for days. After we found out the hang up was he never send them a Release from the tenant to request this information and they asked for it multiple times. It took the selling and buying agent to help with this and get him the information needed. At this point we just needed a day more to get it closed said XXXX. We had to extend the contract for another 2 weeks with a total of XXXX Extensions. Very unprofessional and he was not up front just leading us on thinking he can make it happen and then did not come through. His manager XXXX XXXX got involved and assured us they were working really hard on this file. I believe that was true but not until the last 2 weeks of the process which was after we should have closed. My buyers were very frustrated with the process and it did cost them more money since we did not close XXXX XXXX and they had to pay another months rent. Closing was finalized on Friday, XXXX XXXX at the very end of the day with the money not clearing until Monday. I do n't want any other buyers having to go through what my buyers had to experience. | ||||||
| 10/15/2022 | Yes |
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Web | Servicemember |
| We were informed on XX/XX/XXXX XXXX XXXX ( XXXX # XXXX loan originator ) that our loan increased from 3.5 % to 7 % due to XXXX XXXX stating that we fell through the cracks, he dropped the ball because he was very busy at that time. XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX ) is the preferred lender of XXXX XXXX XXXX. Their solution was to give credits to reduced mortgage to 4.5 % because 3.5 % isnt available anymore. XXXX XXXX was contacted repeatedly before interest rates began to rise for counseling and advise. He ignored every call and did not answer emails regarding interest rates and this is the result. On XX/XX/XXXX XXXX contacted me to do a long term rate cap with free float down. At that time our interest rate was 3.5 % and we were looking to go down to around 3 %. We were okay with that. On XX/XX/XXXX XXXX sent out loan papers and the rate was not fixed though his calculations were based on 3.5 %. I emailed XXXX asking questions about the discrepancy and asked for advice and counseling. He nor his office ever contacted us. Just as they never contacted us regarding any communication about fixing the interest rate before the interest rateincrease started in XX/XX/XXXX. He just left us high and dry. Now XXXX who is a preferred lender of XXXX XXXX XXXX expects us to pay {$2100.00} at closing for credits ( we originally had a {$3800.00} refund ) and over $ XXXX year on a 30-year mortgage fixed at 4.5 % due to their lenders negligence. | ||||||
| 03/14/2022 | Yes |
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| In XX/XX/2020, I was contacted several times by " XXXX XXXX XXXX XXXX '', to refinance my house mortgage loan for a lower rate. After speaking with them I decided to take the offer and refinanced my mortgage loan. They had promised to give me a lower rate and affirmed that everything was valid. I closed on the refinance on XXXX XX/XX/2020 with a principal balance of {$270000.00}. I was told that I had a mortgage with XXXX XXXX XXXX. So I've been paying my mortgage for 2 years and 2 months now. Previously my monthly payment was {$1700.00} after a while XXXX raised my payment to {$2000.00} a month after they had fabricated some stories. They took possession of my previous escrow account and never reimbursed it to me, then claim that they had to charge me extra to catch up. Now after 2 years they decided to sell my mortgage to another company called " XXXX XXXX XXXX ''. for {$260000.00} And this new mortgage company now charge me for all the closing costs and claim that I owe them XXXX. So after more than 2 years my mortgage barly went down because XXXX has been taking all my payments for interested and fraud and have taking advantage of me. I'm complaining for XXXX to return to me all the money that they've taken from me unfairly, that they remove all the fees that they're trying to charge me and that I refinance with a decent mortgage company. I want them to return most if not all the payments that was supposed to go to the principal of my mortgage. | ||||||
| 12/04/2017 | Yes |
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| While paying my XXXX mortgage payment online on XXXX/XXXX/XXXX, I noticed that it showed that I had 2 Fees that were added to my loan account for {$640.00} and {$85.00}, both labeled as Recording Fees. My loan modification was completed nearly 6 months ago and I have not been notified that any additional fees would be assessed. I called 4 times, was transferred to the Loan Modification department since the customer service representative explained that this is where the fee originated. Three times, I could hear someone pick up the line ( with voices in the background ) and hang up. I called back the 4th time and was asked if I filed for a Forbearance on my mortgage, which I replied No and was told that all of the lines were busy and I was assured that someone would call me back very soon. I had no confidence in this, since no one EVER calls me back from XXXX. Of course, I received no call back. I also checked my credit report and my loan account is in the status of " Affected by a natural disaster '' even though I have not claimed this with the mortgage company. I called again on the morning of XXXX/XXXX/XXXX and was again promised a callback from the loan modification department, which still has not happened. I called in the afternoon on XXXX/XXXX/XXXX and customer service connected me to the Loan Modification department and I was again, for the 6th time, hung up on. This service is appalling and beyond unacceptable. | ||||||
| 11/22/2017 | Yes |
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Web | Servicemember |
| I applied with XXXX XXXX XXXX, specifically the mortgage loan originator XXXX XXXX. They ran my credit, took my personal information yet refuse to provide me with a loan estimate. This process began on XXXX XXXX, 2017 and today is XXXX XXXX,2017. He presented me with a prequal that just listed the rate. I found a home that would be built so I updated him with the exact mortgage amount needed, terms, taxes, etc. and he has refused to send me any term sheet, loan estimate etc. I asked why my credit was ran if nothing was going to be provided and he switched his words from saying I applied ( which is why my credit was ran ) to that I only partially applied. How do you partially apply to anything? In my opinion You dont partially apply to anything if your credit is ran, you say specific loan terms, down payments etc. Three other companies have had absolutely no problem submitting me this information, as is required by XXXX within 3 business days, but he for some reason refuses and insists on calling me multiple times a day when Ive asked him to stop and only contact me through email. I want nothing to do with this shady company and feel my credit shouldnt have been pulled based upon false pretenses and receiving literally nothing in return. Why would anything apply for anything to receive zero information? Disgusting way to do business. Upset my credit score will drop based on these misleading business practices. | ||||||
| 06/25/2020 | Yes |
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Web | Older American |
| I fell behind on my mortgage because my mother was living with me and contributing {$2500.00} into the household income and she passed away. I then applied for a loan modification and was denied. My income between my pension and social security income is {$4300.00} monthly and my unpaid balance on my home is {$240000.00}. With the low interest rates I did not understand how they sent me a denial stating that my income was insufficient. I was also denied due to my hardship not qualifying. I called my lender and asked for more information including the value used and how the value was derived. I was told to contact my lenders counsel. I did and was unable to get a copy of the valuation, I began requesting this information in XXXX and it is now XXXX. I also asked for the net present value used in the modification underwriting. I was told that it would be sent to me and never was, they just continue to send the denial missing the information I am requesting. It has been 6 months and they will not share the documents. Also, I am in a XXXX and over community and had to leave for almost a month when the quarantine began, I also had to pause my home based business. Homebridge Financial is refusing to give me the forbearance under the CARES act stating the firms procedure, however I was under the impression that everyone who had a hardship qualified. I thank you for your assistance in this matter. | ||||||
| 08/19/2021 | Yes |
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| XX/XX/XXXX I requested Forbearance due to my husband loosing his XXXX ( XXXX XXXX XXXX ) due to corona virus and my hours at work decreased then to make things worse my husband was diagnsoed with XXXX XXXX XXXX lXXXX XXXX then later XXXX XXXX XXXX. I was approved for a 6 month forberance I then filed an application with my Mortgage company Homebridge to get a modification of the mortgage at which time I checked my online mortgage account and seen several letters which stated the reduced mortgage by {$100.00} kept me at the same intrest rate and extended my terms for 13 years, for a 6 month forbearance this so predetory I can not believe this is even legal. I contacted them several times they state thier system is down and cant give me information they have given me until XX/XX/XXXX per letter dated XX/XX/XXXX to make a decesion, short time to preasure me to make a decision. please help this should be illiegal in every way how could this be allowed to be done to consumers. Also if I do not accept this terrible offer they are demanding I pay XXXX XXXX dollars what I was behind for the six months as soon as XX/XX/XXXX or they will begin forclosure process. I have reached out to XXXX they state they have received many complaints frsom Homebridge and other mortgage companies but they cant help I reached out to HUD impossible to get through and only if you qualfy for an attorney. Please help | ||||||
| 05/06/2021 | Yes |
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| Refinanced FHA mortgage loan, closing date : XX/XX/2020. Homebridge Financial rec 'd final payment from XXXX ( closing attorney ) who apparently mistakenly short-paid Homebridge in the amount of {$4900.00}. Upon realizing this mistake, they corrected within 48 hours ; additionally offered a letter of accountability. Homebridge reports " late mortgage '' payments for XXXX and XXXX on my credit report through Equifax and Transunion. I have made four attempts to correct with the previous lender and credit bureaus ( offering them supporting documentation ) and they will not remove the negative remarks from my credit report. Letter of accountability clearly states the human error lies with the closing attorney. Furthermore, {$4900.00} on a {$210000.00} pay off marked " two days '' past due date does not justify TWO 30-day late penalties on my credit reports. The result of this has caused credit limit decreases totaling {$7400.00} and credit denial for new credit accounts or increases, three creditors have even completely cancelled access to existing credit accounts with a reasoning " recent late mortgage '' payments -- which I have zero. I pride myself on a stellar payment history to my creditors. PLEASE help me with a remedy for fair credit reporting for this unique situation. I have worked very hard to build my credit -- to have blemishes I can not control is unjust. Thank you | ||||||
| 04/13/2020 | Yes |
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| Regarding the COVID-19, the Homebridge loan institution in NJ hasnt been offering any type of help during this time. They have it online that they can suspend the payment for one, two, or three months but you would need to pay the full amount after your payments begin. So if you select XXXX and XXXX payments to be suspended, in XXXX you need to pay for XXXX, XXXX and XXXX. I dont see how this is any help or concern during this time. Why cant they have those payments to be broken down or have them pay at the end of the loan. Below is the information of the institution : Home Bridge Financial Homebridge Financial Services , Inc . XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX NMLS ID # XXXX XXXX Homebridge Financial Services , Inc . I have called and after speaking to a rep, I was told that this was the only option and if you still cant make the payment then adjacent s would need to be made to your loan and that would effect your credit score. I dont understand these type of institutions, instead of helping in these times, they are trying to make things worse for people down the road. While on the phone and I mention to them that a similar situation happened in XXXX and after the consumer finances got involved they changed the offering ( they hung up on me as I was speaking to them about this and never got a call back ) Hope this email is helpful to make a change Thank you | ||||||
| 11/01/2018 | Yes |
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| I recently refinanced my mortgage with XXXX XXXX XXXX and that decision has ruined my credit. My mortgage was refinanced in XX/XX/2018 and Homebridge reassigned the mortgage to XXXX. My mortgage shows on my credit report as paid off. The new loan does not appear. This is the only installment loan on my report, I paid off both of my car loans in XXXX of the same year. Therefore my credit mix is skewed and my points have dropped from XXXX to now XXXX. I have called both companies and requested that they report this loan and each just refers me to the other. No one cares about the impact this is having on my credit. At this point most of my credit lines have been reduced and other cards have been cancelled by my lenders. I am a co-signer for my elderly mothers apartment. She is entering into a new lease and I can not co-sign because my credit has been ruined by this company. They have such little regard for customers. I have never missed a payment in my life, have never filed for bankruptcy, no public collections. And here it is that my credit is being ruined because a loan that I have been paying on time for the last eight years is simply not being reported. None of these companies are doing anything about it despite contacting them numerous times. My hope was only to reduce my mortgage payments on my loan but this has turned into such a nightmare. | ||||||
| 04/24/2018 | Yes |
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| My husband XXXX XXXX was going through some health issues which resulted in 4 months behind on the mortgage payments. On XX/XX/XXXX my brother-in-law XXXX XXXX, contacted XXXX XXXX to pay all the late mortgage bills which he was given a total of {$4100.00} XXXX Confirmation # XXXX XXXX. My brother-in-law insisted that he wanted to pay all the late mortgage payments until XXXX XXXX ; allowing my husband and I to begin making payments onXX/XX/XXXX Whoever spoke with my brother-in-law from loss mitigation department advised him that " she '' will cancel the transaction and the new total was {$5100.00}. The amount of {$510000.00} was paid onXX/XX/XXXXat XXXX ( Confirmation # XXXX XXXX. A week later my husband and I began to receive daily phone calls from Home Bridge. I attempted to return the call 3 times ; however, I was left holding on the line for over 20minutes and no one would speak with me. I didn't really think it was anything bad or to worry about because I knew we were caught on the mortgage untiXX/XX/XXXX Tonight,XX/XX/XXXXI logged into my account and learned that I was covered until XX/XX/XXXXand not XX/XX/ as requested. I don't have issues paying the bill, but I have a huge issue with the employee that did not perform the job well and my husband and I will be suffering the consequences. | ||||||
| 05/15/2018 | Yes |
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| I used a company called the XXXX XXXX, XXXX. to help me with a mortgage " Adjustment '' after having issues with my lender 's payment process. My loan ID was incorrect and payment was " denied '' and considered " late ''. I sought out help to possibly get my mortgage adjusted and become current. I was told NOT to communicate with my lender directly and to send ALL mail received to the XXXX XXXX. I was asked to make payments of {$870.00} for the next 3 pay periods, of which I made these payments to the " XXXX XXXX ''. The process has taken over 3 months and now I have received a letter from my lender stating that they will not do any mortgage adjustment or forebance for my mortgage and that I must pay {$9700.00} + late fees within 16 days or I will be Foreclosed on. I can catch up on this mortgage if given another month or so, and plan to make a payment of half of the total balance due by XX/XX/2018 of {$5000.00} and will have issues trying to get together the additional ( approx ) {$5000.00} by my next pay day on XX/XX/XXXX, of which I will be an additional {$1800.00} past due. I have asked for more time, and have been denied this request. I have equity in the home that would more than cover these amounts, however after being scammed by the XXXX XXXX, I'm simply left with no time to recover. | ||||||
| 03/13/2018 | Yes |
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| Our address is XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX. We have a 203k loan on this property. We finished all of the home improvements as required and received our last reimbursement check in XXXX. Homebridge employee XXXX XXXX was servicing the XXXX loan. Within the rules of the loan, Homebridge had 30 days to close out the loan with FHA. Their failure to do so is creating us great financial hardship because we can not refinance the loan until it is done. This costs us several hundred dollars a month. We are ready to close on a refinance and this is preventing us from being able to have another loan on the property. We have contacted their office many times and sent them the information that they need in order to close out the loan. They are claiming ignorance and not accepting responsibility. The loan is with XXXX but Homebridge is servicing the XXXX. Our XXXX inspector, XXXX XXXX has been reaching out to the HUD office on our behalf but it does not seem as though HUD can help us. It is our understanding that the close out process takes approximately 5 minutes. Here is the contact information for the company servicing the loan. XXXX XXXX, 203K Draw Administrator HomeBridge Financial Services , Inc . o : XXXX f : XXXX e : XXXX w : www.HomeBridgeInc.com Thank you, XXXX XXXX XXXX | ||||||
| 12/10/2020 | Yes |
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| I did a FHA Streamline refinance with Home Bridge Financial services in XX/XX/XXXX that lower my interest rate from 5.5 % to 3.3 % mortgage payment went from {$1600.00} to {$1200.00} it appear to be a good deal until I got an escrow shortage in XX/XX/XXXX total of {$4600.00} with mockery when I turn down to to a repeat FHA loan to got down to 2.9 % but they wanted me to pay the escrow shortage upfront, and I still would have a higher mortgage payment of XXXX up to XXXX and when I turn down at the suppose closing, I seen have been targeted by this loan service company, I also has to do a tax correction with that lower the payment of XXXX to XXXX without the opportunity to paid the difference of XXXX tax increase and correction of XXXX which would come out to XXXX that would have lower my monthly payment instead that want to pay the total shortage of XXXX, causing a hardship because they feel I can't pay the shortage in full I am accusing this company of loan Stacking, I did receive XXXX back from the original refinance from XXXX XXXX but wasn't inform that there would be a escrow storage on this FHA Streamline or else I would have hold the money I believe it was not told to me on purpose to cause a hardship that can lead to possible foreclosure | ||||||
| 04/30/2021 | Yes |
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| This is in reference to my original CFPB case number XXXX with mortgage company Homebridge Financial Services , Inc. My attorney sent a letter to the mortgage company in reference to them not paying my property taxes when they are were holding my tax escrow. After they received the letter from my attorney Homebridge Financial Services , Inc. sold my mortgage to XXXXXXXX XXXX and now I am not able to get to them since I no longer have a valid loan number with them. Homebridge Financial Services , Inc. took a payment for XXXX and that is when my loan was transferred to XXXXXXXX XXXX. Now I am late with the new mortgage lender XXXXXXXX XXXX because the Homebridge Financial Services , Inc. will not send me my refund for the mortgage payment that they took from me for XXXX and I need to send that same money to the new company. In additional to everything that has happened I feel I have been discriminated on because of my accent. I have asked to speak with someone in their compliance department or even a supervisor and the representatives refuse to escalate my call and they pretend to not hear me because of my accent. I have been mistreated and the representatives have been rude and disrespectful in every single interaction. | ||||||
| 01/23/2018 | Yes |
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| I applied and received a preapproval from HomeBridge Financial in XX/XX/XXXX. I found a townhome and went into escrow in XX/XX/XXXX, the loan officer ran my credit numerous times so he was aware of my credit score and finances, he requested documents as required and I complied with everything. In XX/XX/XXXX a offer was accepted and he informed me that my loan documents had passed underwriting and that I needed to pay the ( non-refundable ) appraisal fee to process the loan. I inquired on numerous occasions if we were good to proceed as I didnt want to spend money on something that was not going to work he said yes well the conventional loan failed underwriting, he then asked me to write a letter removing a dispute from my credit report stating it was a underwriting requirement for a conventional loan which it is not, he then stated it was my fault and my credit score as it had gone down from use when I provided him with documentation to the contrary and that my score was lowered due to his multiple running of my credit and removal of dispute he said we can get a fha loan after 60 plus days in escrow and his inability to secure a loan I am now left with a financial loss due his lack of knowledge or unethical conduct. | ||||||
| 08/10/2020 | Yes |
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Web | Servicemember |
| At the end of XX/XX/2020 we received our XXXX statement in which it showed our mortgage payment was increasing by $ XXXX. When we called they stated that it was due to an escrow analysis and the escrow account was short so we needed to pay back into the escrow and also the escrow for the year ( 2020 ). We asked for assistance in an adjustment due to the fact that $ XXXX increase in the middle of a pandemic is a financial strain on our family. They stated that they did not have the homestead exemption on file and we needed to send this to them so that they can make an adjustment that was properly calculated as at the moment they were over calculating our escrow amount. We sent them the trim notice on XX/XX/2020. We received receipt notice from XXXX of our trim notice being received on XX/XX/2020. It has been over 5 months and we have yet to have this resolved. We spoke to an escalation supervisor on XXXX by the name of XXXX XXXX and she stated we needed to start the process again and submit the trim notice again and request the escrow analysis again because they never processed our initial request. This is ridiculous and it is causing strain on our family that is already going through a financial hardship. | ||||||
| 01/10/2022 | Yes |
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| My loan servicer was transferred to another mortgage company as of XXXX. I received a notice from the new servicer that my escrow account was grossly overdrawn, and my payment would need to increase nearly 50 % for the next XXXX months. Upon reviewing the annual escrow account disclosure statement, the previous servicer had paid out property tax nearly XXXX what the actual bill was. The property tax in the town the house is in only bills once per year and thus only XXXX payment per year. In XX/XX/2021 the amount of XXXX was paid ( erroneously ). In XX/XX/2021 a payment in the amount of XXXX was made ( also erroneously ). A third payment of XXXX was paid in XX/XX/2021 which is the only payment that should have been paid. I contacted the Town which the home is located in, and they have stated they did not receive the XX/XX/2021 and the XX/XX/2021 payments. The town did receive the XX/XX/2021 payment. When I contacted the previous mortgage company ( Homebridge ) who made the mistake they said they would look into and get back to me in a few weeks. I believe they should credit my account immediately. This is an escrow account with my money in it. They continually refer to the money as " their '' money. | ||||||
| 03/22/2018 | Yes |
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| My FHA original mortgage balance ( and based on my amortization schedule ) reached below the 78 % LTV over 5 months ago ( XX/XX/2017 ). Although I have met all requirements under HPA and FHA guidelines, my mortgage service company ( HomeBridge Financial Services ) has continued to collect PMI. In XX/XX/2017 I also received a letter stating the PMI would be cancelled due to the requirements being met. Having attempted to contact them on several coactions, beginning the end of XXXX, I was informed that it was my responsibility to inform them of this fact along with a requirement for me to email their PMI department at XXXX. I informed them of their lender responsibilities to automatically remove the PMI payment once the principle balance had reached 78 % of the original loan amount and demanded they cease billing of the PMI on future bills/payments along with a refund of the PMI payments paid plus interest on those funds. Since the initial telephone call and conversation, I have attempted to resolve this issue four more times without success. At this point I am having extreme difficulty gaining assistance and am continuing to be billed for the PMI payments. Any assistance would be greatly appreciated. | ||||||
| 09/15/2022 | Yes |
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| I have always used automatic payment to pay my monthly mortgage with Homebridge Financial. On XX/XX/2021, Homebridge returned the mortgage payment to the bank. I did not find out until a month later when i was notified by the credit bureaus that i had a 30 day late notice on my credit report. The funds were in my bank account and this was an error on behalf of Homebridge. I have a letter from my bank ( XXXX XXXXXXXX XXXX ) which states that the funds were in my account at the time Homebridge tried to take the payment and it should have never been returned. I tried reaching out to Homebridge many times for almost a year now and no response from them at all. My loan officer has also tried to rectify this with corporate to no avail. I disputed with all three credit bureaus and they notified me that they submitted the dispute to the " furnisher '' which is Hombridge but they have not received a response as well. I am asking that Homebridge please have this information removed immediately from my credit report as this was their error. I tried to apply for a home equity line of credit but was denied because of this negative account on my credit. Please help me get this cleared with Homebridge Financial. | ||||||
| 10/08/2019 | Yes |
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| Refinanced into a conventional mortgage with Homebridge Financial roughly a year ago. Homebridge owns the note and ( until XX/XX/2019 ) serviced their own loans. Apparently, when they started using a 3rd party servicer ( XXXX? ) they also changed the loan number. We have never missed a payment and in fact had our mortgage set up on autopay at our bank ( Arizona XXXX XXXX XXXX ). Somehow in XXXX the change in loan number started to create confusion at Homebridge because they indicated that we had missed that month 's payment. However, we did NOT miss that payment it just went into their system under the old loan number ... .but they still withdrew our funds. I have spend countless hours at my bank and on the phone trying to resolve this problem but it persists. We have provided Homebridge the transmittal report for the XX/XX/XXXX payment but they continue to indicate that we missed the payment ( and that we are accruing late fees ). Furthermore, our taxes and insurance were just paid from our account however this deduction will be too small because Homebridge didn't include our XX/XX/XXXX payment contribution. This is a mess and we do not know where to turn to resolve the issue. Please help | ||||||
| 12/07/2015 | Yes |
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| I received a call on or around XXXX XXXX, 2015 from XXXX XXXX, Producing Branch Manager at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ohio XXXX. This was my initial mortgage lender under the name XXXX ( they later changed their name ). Shortly after obtaining the loan it was transferred to XXXX XXXX XXXX XXXX. I have been paying XXXX now for around 2 years. XXXX XXXX was calling to advise me that they were going to be taking back my loan from XXXX. He said he would be sending me the details. I have no current account information for XXXX only XXXX. I, later that day received an email that essentially just said " Welcome back to XXXX '' ( attached ). I have received no other communication from either of the lenders. Later in the month I received my regular statement from XXXX with no mention of this change. It is now XXXX and I have still received no notification of transfer from either lender, no date of when service will stop with XXXX and new service will begin with XXXX and no effective date of transfer, as required by law. I have no idea who I should be making my next mortgage payment to and I do not want it to be paid to the wrong party and not credited to my account. | ||||||
| 11/04/2020 | Yes |
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| On XX/XX/XXXX I attempted to pay my mortgage through Homebridge mortgage website. Their was an issue with the website allowing me to make my payment for XXXX mortgage. I attempted to called IT department but was stuck with Customer service. On XX/XX/XXXX I called in to Homebridge/XXXX and spoke with representative and made my payment over the phone with the company representative and received a confirmation number. I noticed at end of day on XX/XX/XXXX the payment still had not been drafted from my account. At XXXX Pacific on XX/XX/XXXX I called and spoke wit Homebridge/XXXX representative to provided my confirmation and asked about the payment draft. She ( Homebridge rep ) stated that she sees the payment was made however the representative by error did not process the payment correctly. I immediately requested a manager to reconcile the issue and that their error must not result in any late payment reflection on my credit as I am in middle of a new mortgage. She stated shell put a note because she sees I made payment on XX/XX/XXXX, note to manager to call me back and transferred me to credit customer service department where I sat on Hold not resolved. | ||||||
| 03/08/2021 | Yes |
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| I have been impacted by Covid 19 laid off in XX/XX/2020. Then back to work 3 weeks later. My husband had to shut down at the XXXX 3 weeks However When I returned back to work it was partime, ( still am ) my husband clientele decreased. Our XXXX children are at home doing school. We have to buy love s of food. My financial institutions Homebridge has not help me during this time of me requesting help I need. We have filled out paperwork to prove our hardship, after sendIng in paperwork over a year now. We were told they didnt receive documentation. And kept sending in paperwork I have email proof of it all. We have been denied Assistance. After denial we tried to do a refinance but was told we are not making enough at this time. I sent an appeal letter they said they will get back to me within 30 days. I have learned that we actually dont need to fill our extension paperwork for assistance According to the CARES ACT. But this company has me filling out paperwork for an entire year of COVID and just recently sent a denial letter in XXXX. Please help me they are not helping or even letting you know you dont need a lot of paperwork to get help Thank you | ||||||
| 02/17/2020 | Yes |
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| Started application process in XX/XX/2019 summited everything needed including paying for appraisal, my old mortgage company was removed from my homeowners insurance by them without my knowdege, like everything was okay with loan, two Hard Inquiry was pulled on my credit report which lowered my FICO score, was told by company everything was fine he had lenders approval letter that we should be ready to close soon then I stopped hearing from him. It is now XXXX the title closing office also stated she can not get in contact with him. They were ready to " CLOSE '' I asked for a letter of denial if we weren't going on with the loan I get this email not signed by anyone, not on company letterhead etc.. form had that I was denied due to " non proof of employment '' would not have gotten this but I asked nothing was mailed. A CPA had sent information earlier on this, I had other times I feel remarks or questions were due to my race., " why do you have two bank accounts '' giving me the impression blacks should not have two .I have text message. Amount of refinance was {$140000.00}. My home appraised for {$230000.00} with only {$85000.00} left on mortgage. | ||||||
| 12/18/2015 | Yes |
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Web | Older American |
| New mortgage with Homebridge Financial ServicesXXXX XXXX NY NY XXXX phone XXXX ( put on hold for XXXX min and never talked with anyone ) paid XXXX XXXX payment with personal check, paid XXXX XXXX payment through virtual wallet, XXXX XXXX, it went through Paid XXXX XXXX through XXXX ... they never got or lost check. Waited til end of month to see if it would clear ... it did n't, so rewrote virtual wallet check out XXXX XXXX XXXX mortgage and XXXX XXXX, for XXXX mortgage ... they never got it. I have called and called and can not speak to a real person. I cant get on even to pay by phone I go on line and in order to make payment it says I have to fill out a 'hardship ' form? This is going to ruin our credit and I ; m trying to pay the mortgage. I emailed customer service and the man said we could set up auto pay ... great, I 'll do it ... cant get hold of anyone. WHen I do call them on the phone they say they are debt collectors???? we thought it was a mortgage company? Very frustrated and just want to make our payments on time ... please advise. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX I am hoping you can help us asap. thanks | ||||||
| 11/04/2015 | Yes |
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| I received notice around the XXXX of XXXX that HomeBridge Financial Services had purchased my mortgage and would be servicing my loan. In this notification it stated that I would need to start sending my mortgage payment to them starting XXXX XXXX, 2015. In the letter it stated that I would not be able to establish an new user account or access my loan information until XXXX XXXX, 2015. On Monday XXXX XXXX I tried calling the number listed on the notice to make a phone payment, but the automated phone system would not recognize my social or loan number i provided and I got stuck in a loop. After this I decided to wait until the XXXX and try to pay online. This morning I tried setting up a new user account on HomeBridge 's website and it keeps telling me that they do n't recognize my information. I then tried again to call and after XXXX minutes of trying to get through the automated system, which also did n't recognize my information, I finally got through to hold music. I then waited on hold for XXXX minutes to get a hold of a person so that I could make my payment. I have wasted a considerable amount of time trying to resolve this issue. | ||||||
| 05/26/2017 | Yes |
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Web | Servicemember |
| i purchased my home in XXXX XXXX which was financed through Homebridge with a VA mortgage. Initially my piti payment was XXXX then in XXXX after escrow analysis my payment went up to XXXX now again in XXXX they have increase my PITI p to XXXX . This is an extra XXXX . / year they are collecting from us now when our property taxes have only increased by {$1500.00}. I have called HomeBridge several times during this month - XXXX XXXX - for a response to why they have increased our payment so much. They sent us another projected escrow analysis which is not even correct. no one will call y ou back from the escrow department and customer service department can not transfer you to anyone to discuss either. This is a serious financial hardship for a family of a XXXX vet when you purchase a home with a fixed rate mortgage and you are being over charged for your escrow with your monthly mortgage payment increasing {$450.00} over 18 months and No One will discuss this with you to verify why. I am reaching out for some assistance and to have our escrow reassessed so we have a more accurate monthly payment. | ||||||
| 02/04/2020 | Yes |
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| We applied for a VA cash out refinance with Homebridge on XX/XX/XXXX. On XX/XX/XXXX our loan was fully approved and " Cleared to close ''. All conditions and documentation had been provided. NO ADDITIONAL INFO WAS NEEDED- we were all set to sign our refinance paperwork after nearly 3 MONTHS of waiting. Our lock was expiring on XX/XX/XXXX and we had started making plans with the loan officer to sign documents at the title company. We were informed that our loan had to go through QC or Quality Control. Over 10 days went by with no answers from our loan officer or Homebridge 's management team. On XX/XX/XXXX, our loan officer informed us that the loan had been denied. No reason provided, there ultimately is no reason and that is why Homebridge hasn't given us an answer or opportunity to proceed. We have pensions and guaranteed retirement income, low debt to income, low combined loan to value ratio 's and superb credit. We are A+ borrowers. I know that the loan officer was having issues with the company and I feel that Homebridge is punishing us, the customer, to resolve an employee issue ( or try to make him leave ). | ||||||
| 02/29/2016 | Yes |
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Web | Servicemember |
| We had our mortgage through XXXX XXXX, but on XXXX XXXX XXXX they sold our account to Homebridge Financial. XXXX, before selling the account, paid their portion of the taxes due to our county property taxes, and forwarded the remaining bill to Homebridge. Homebridge was due to pay the remainder by XXXX XXXX XXXX, they did not pay. We are military and live XXXX states away and received notification from our county XXXX XXXX XXXX that the taxes have not been paid. We immediately contacted XXXX, and I was advised by the agent to fax over the delinquent notice, and they will contact and make payment arrangements with the tax commissioner office within 3 days. On XXXX XXXX they had not yet done so and I was informed by tax commissioner office that Lien would be placed the following day XXXX XXXX XXXX. Homebridge continues to say they are trying to verify parcel numbers and verify amounts. I provided to them a direct number to tax commissioners office. I also called tax commissioner office and verified that homebridge has not contacted them and no arrangements have been made along with any payment. | ||||||
| 03/28/2019 | Yes |
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| Homebridge GA failed to pay my taxes for XXXX in XXXX Then they sold my mortgage to there sister company homebridge NJ and never sent any of the paperwork to them. Homebridge GA told me back in XX/XX/XXXX it get paid in XX/XX/XXXX. Then i discovered they sold my mortgage. Homebridge NJ told me they'd pay my taxes in XX/XX/XXXX. They didn't i had to called them 3 more times before payments were made two of them to XXXX office. they lied to me about when and how many payments were made and it still has an outstanding balance. Homebridge GA has still not sent my paperwork to Homebridge NJ and now my escrow is gone. Seems someone as Homebridge GA is embezzling money. My escrow has vanished homebridge NJ has informed me i have to pay XXXX $ or get XXXX increase to my mortgage. I can not believe in good faith that this is a mistake. it seems to me that they are stealing money and hiding the paper trail. I have the documents for all the above. I will be filing a complaint to the IRS for tax fraud as well. I contacted NJ state bank and file a complaint there as well. XXXX | ||||||
| 02/02/2017 | Yes |
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| I have a home mortgage with Homebridge Financial. I had significant home damage from XXXX, XX/XX/2016. As a result I filed a claim with my insurance company, who intern issued a claim check in the name of myself, my wife and our mortgage company ( Homebridge Financial. They made me hire a contractor ( due to dollar amount of the claim ) and would not turn over the funds to me so I could get repairs underway. I am only getting a fraction of the money at a time ( only after waiting for them to get THEIR inspector out to look at the repairs ). This is taking an extra week and then I have to wait 2 more weeks to get a menial check that does not even cover the cost of the particular repairs done. I am winding up paying all the expenses out of pocket and then going thru the hassle of them writing a check to me, my wife and our contractor ( again a three party check ). In the mean time the contractors doing the actual work are calling daily wanting their money and threatening court action for non-payment. These contractors do n't like waiting three weeks to get paid. | ||||||
| 09/23/2021 | Yes |
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| After my XX/XX/2021 payment, the outstanding principal balance of my loan was {$350000.00}. Based on my amortization schedule that puts me at 77.8718 % resulting LTV %, which means I no longer have to pay the monthly PMI charge of {$100.00}. On XX/XX/2021, I called HomeBridge customer service regarding this matter to ensure that the PMI automatically drops off my loan balance as of XXXX, as per my amortization schedule. The agent informed me that customer service doesn't handle PMI matters and gave me an email address to reach out to. Right after I hung up, I proceeded to email XXXX to let them know the above. On XX/XX/2021, after 7 days of no response to my email, I followed up with XXXX again. It is now XX/XX/2021 and yesterday I received my paper statement in the mail for the month of XXXX, and it still shows the {$100.00} PMI amount due. I am filing a complaint here as a last resort to attempt to get a response from HomeBridge. They have given me problems with my escrow balance in the past, as they are very inefficient and uncommunicative. | ||||||
| 12/17/2020 | Yes |
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| I am under a legal forbearance with the cares act with my mortgage servicer home bridge financial services. My forbearance does not expire until XX/XX/XXXX. However, since the inception of this forbearance in XX/XX/XXXX, I have been receiving harassment collection calls from home bridge demanding payment. The calls come from an automated system and a live person. The calls come in every other day. The latest collection call was today from the phoneXXXX. I complained to management about these collection calls multiple times and homebridge stated they will stop the collection calls. However this morning the collections manager stated that the collection calls need to done every month. While on the call, they ask you if you are occupying the property, if there are any damages to the property and that if we have any intentions to occupy the property. These questions are questions that relate to a foreclosure and not a forbearance. I demanded that these collection calls stop immediately or I will report them to CFPB and the FTC and state attorney office. | ||||||
| 06/22/2016 | Yes |
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| Our mortgage was sold within a year of purchasing our new home. We have never missed payment on our mortgage, however it shows up on paper that we missed payment on our mortgage because we were never contacted by the new mortgage company ( Homebridge Financial Services ). We also have a new problem, because our mortgage was sold again in XXXX and our mortgage has been incorrect for three months and the new company ( XXXX Mortgage ) has not corrected it. There was an escrow shortage that we paid in full to Homebridge to reduce our monthly mortgage. As soon as we paid the escrow shortage our mortgage was sold to XXXX Mortgage. We have had to call for three months to get current amounts due corrected and this XXXX will be month four. Every time we talk to XXXX Mortgage, they tell us they can see that we paid the escrow shortage and will get it corrected however it has yet to be done. Due to all of these problems our credit has now been negatively affected when there should have never been a problem because every mortgage payment has been paid in full. | ||||||
| 11/23/2020 | Yes |
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| I just called about the fact that Homebridge keeps messing up my forbearance. I asked for one in XXXX and still had to pay my XXXX house note because I didn't see where it had taken effect online. It took over a month to get my money back. They said I have one month of forbearance on file. I just called this week to start a forbearance again and was told I would get five months. Then I kept getting calls from Homebridge telling me to call in. I call in and the rep tells me that my forbearance ends XXXX and that I have had one from XXXX to XXXX, which is inaccurate. I did not have a forbearance. I did not apply for forbearance until this week. I paid my house note every month from XXXX through XXXX. Please HELP! I have asked for a supervisor to clear this up and am getting that this has to go through loss mitigation. LOSS MITIGATION!!!! There is no loss as I haven't had forbearance a single time yet. They keep messing it up. Is this a scam? I am filing with XXXX and getting legal assistance if necessary. I would like for them to correct this asap. | ||||||
| 05/24/2018 | Yes |
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| Not that I expect the current management of the CFPB to do anything about this, but I wanted to register my complaint. I have a mortgage with HomeBridge Financial Services and I was notified of a loan transfer by a letter mailed regular mail that on XX/XX/2018, that as of XX/XX/2018 they would no longer accept payments on my loan. Obviously, I did not receive the letter in time to do anything about it and immediately set about making sure that future payments would promptly be made to the new servicer. Based on the language in the letter, I simply assumed that they would transfer the funds to the new servicer. Instead, the funds were returned to my account, apparently without notice or comment. I understand that the new servicer will be unable to charge me a late fee, but I wanted to register my chagrin at the thoroughly unprofessional way that this was handled. Despite, the anti consumer bias of the current administration, I can hope that regulations are put in place that prevent this kind of thing for future customers of HomeBridge | ||||||
| 03/27/2017 | Yes |
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| 1. In XXXX I scheduled an online bill payment on my Homebridge Mtg loan through XXXX. 2. On the same day in XXXX I also scheduled automatic payments to be sent each month from XXXX to Homebridge. 3. Because of scheduling two payments in one day XXXX cancelled the first payment to avoid a duplicate payment. This should not have happened because I had the payment dates correct to avoid a duplicate payment. 4. Homebridge did not get a XXXX payment as a result. My XXXX pmt was applied to XXXX, XXXX was applied to XXXX, making both of those months 30+ days late. 5. Homebridge did not properly notify me of the error therefore I was not able to resolve. 6. XXXX notified me that the loan was past due and I called in immediately and made the extra payment. 7. I log into my Homebridge account every month to check on my payments and my account shows a SMILEY FACE and says YOUR LOAN IS CURRENT. 8. This deceptive online account status prevented me from being aware there was any problem. As a result my credit score has dropped over XXXX pts. | ||||||
| 04/12/2016 | Yes |
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| Our mortgage was sold to Homebridge from XXXX. After our escrow account was audited in XXXX, we received notice that we had over a {$3000.00} shortage, which is fine, however, they also wanted to add a {$2500.00} cushion to our account, effectively raising our fixed rate conventional loan mortgage {$450.00} a month. Despite multiple calls, and inquires, I was never given satisfactory information. Under my account online, it shows that there is no escrow information, so I am unable to keep up with PMI and other information. We asked to pay down our mortgage and dissolve our escrow account, they said that Homebridge 's " rule '' is that there are only XXXX states allowed to do that, and Texas is not XXXX of them. In XXXX place their website says that you can pay down your mortgage, pay an escrow fee, and not have an escrow account, another area of the website says " no unless specified by law. " We were never given solid information, just told we had to pay or else. No one could justify or verify anything. It is very scary. | ||||||
| 08/06/2020 | Yes |
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| On XX/XX/XXXX, I submitted a Sales contract to Home Bridge XXXX XXXX. Knowing they only have 3 business days from the XX/XX/XXXX to send out application documents, Loan Estimates, etc., They took almost to weeks to send my documents to me. I received a Loan Estimate on XX/XX/XXXX. When I confronted the Loan Officer about the problem, he informed me that his company is following the appropriate guidelines. However, they are playing the system. I have proof that I sent the Sales Contract to this Loan Officer on XX/XX/XXXX, but the " Date of Application '' they have is XX/XX/XXXX to make it look like they are in compliance. I told her Loan Officer that they are out of compliance and I should not be charged any fees due to the 0 tolerance rule. He disagreed with me but told me that their systems generate the dates of application once they get the 6 key factors of the application. He had ALL information needed on XX/XX/XXXX. He even states he let the sales contract " Sit '' in his email due to being " So busy '' | ||||||
| 03/03/2023 | Yes |
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Web | Servicemember |
| It has come to my attention that my Federal rights and protections have been trespassed upon and violated by Homebridge Financial Services Inc. In XXXX of 2023 I, XXXX XXXX wanted to purchase a new home so I extended my credit by placing my Social Security number on a credit application provided by Homebridge Financial Services. After doing so, the application has now become a financial asset and negotiable instrument due to my security interest in the document. My loan officer XXXX XXXX notified me a few days later that I was denied my home because my credit history was too thin. I explained to XXXX XXXX that the decision appears to be discriminatory and the Equal Credit Opportunity Act provides federal protection from such discrimination. XXXX XXXX told me to fix my credit and then I can buy a home. I felt a nauseous feeling like I was sick because my children need a new home. Im asking the CFPB to report this discrimination and defamation of character committed by Homebridge Financial Services Inc. | ||||||
| 08/16/2019 | Yes |
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Web | Servicemember |
| I've contacted Homebridge Financial Services regarding my inability to make my regular monthly payments due to being laid off on XX/XX/2019. I have had to contact them repeatedly to ascertain what documents are still needed for completion of my package. I recently gained employment and will be starting a job onXX/XX/19. That information has been provided to the lender. I have not been given the option of getting a loan forbearance. This would be helpful while I am waiting to obtain my next 2 paychecks. I have contacted Homebridge to determine why they have not offered me a forbearance. At this point I have been unsuccessful in obtaining a forbearance or any relief from the lender as each time I call I am advised they need yet more documents. I feel the lender is deliberately making the process overly difficult to prevent me from obtaining relief on this issue. I am a XXXX veteran and will also be making my complaint known to the Dept of Veteran 's affairs. I need help resolving this issue. | ||||||
| 09/09/2019 | Yes |
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| Dear Mortgage Loan Servicer, First of all I appreciate your effort to convey information confirming the mortgage loan issued with the MIN ( XXXX ), that was provided. However, after dedicated communication with XXXX ( XXXX XXXX XXXX XXXX, it was made clear to us that the specific MIN number has been used to identify two mortgage loans in the XXXX System. While one of the loan issued was on one of the property location to be XXXX XXXX XXXX, XXXX, TX XXXX, the XXXX Record confirmed that the other loan issuance against our property addressed at XXXX XXXX XXXX, XXXX, TX XXXX. Moreover, XXXX team confirmed that the specific entry has been made by your company employee acting on behalf of service agent. Should this information is not correct, please provide a statement of fact that the " Specific Loan has not been issued by any lender, or by you ( Through any other means, fraud etc ), under penalty of perjury. '' Hope your prompt response and co-operation in this matter. Thanks. | ||||||
| 09/06/2019 | Yes |
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| On XX/XX/XXXX, I was informed by my Home Owners insurance broker that my Home Owners insurance had lapsed. The insurance is paid via an escrow account and was up for renewal XX/XX/XXXX. The insurance company tried billing our preiovus lender which was XXXX XXXX. However, last spring we refinanced our home to HomeBridge. Apparently HomeBridge never notified our Home Owners insurance that they were the new lender. So when my insurance company was told by XXXX XXXX that they are no longer our Mortgage company , the insurance company didn't know what to do so they canceled the policy. My broker then had to get me a new policy which was an increase of {$200.00} per year on the premium. I went to HomeBridge with this information and asked them why they never contacted the insurance company. Their response is that it isn't their responsibility to do that. Clearly this is a BIG problem. I need help in understanding who's fault this is so that going forward this doesn't happen again. | ||||||
| 08/23/2019 | Yes |
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| Homebridge financial Services , Inc serviced a fraudulent mortgage loan on the basis of a mortgage note on our property ( Addressed at : XXXX XXXX XXXX, XXXX, TX XXXX ) on the XXXX of XXXX of XXXX The mortgage loan has been recorded in the XXXX XXXX with the mortgage identification number of XXXX. Since we did not have any legal business relation with this servicer I need to know the following information : 1. Was Homebridge Financial Services licensed as a mortgage loan servicer in Texas in XX/XX/2015? 2. Who was the borrower of the fraudulent mortgage loan? 3. When was the mortgage note executed? 4. When was the mortgage loan account opened and when was it closed? 5. Who is the lender of the fraudulent mortgage loan? 6. Has there been a deed of trust executed in XXXX XXXX or anywhere else for this mortgage loan? 7. What was the loan amount of this fraudulent mortgage loan? 8. What type of mortgage loan was it ( FHA, VA, Conventional etc? ) | ||||||
| 08/26/2021 | Yes |
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| I called my mortgage company in early XX/XX/2021 to request they pay my county property taxes annually instead of semi-annually, because my county offers a discount by doing so. My escrow account had the money to do so which i funded with my own money. They confirmed they would do it. I called again within a week to confirm again and they said they would do it. Finally after my taxes were actually paid by them, they didn't do it and paid semi annually so i will end up paying more in total tax. I have talked with their management and they acknowledged the mistake and said they would correct it moving forward and credit me the difference caused by their error. I went through a special review process, only to find out they are not going to follow through with the credit and also won't update my escrow moving forward. It seems like they continue to give me misinformation and don't actually follow through on helping. Please help! | ||||||
| 06/29/2020 | Yes |
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| I applied for a loan modificaiton onXX/XX/XXXX. I clearly marked on the application that I have a decrease in household income. I was told I need to send them proof to show how my income decreased. Since I am self employed, I sent them 3 months of bank statements from XXXX to XXXX showing the decrease of business income with a letter explaining this. When I called to follow up, the very very rude representative said that I did not show documents that my household expenses increased. I told him again and again, that was not my hardship. I never marked that. I indicated that my household income decreased and provided bank statements showing as such. He did not assist me and on top of it, my application was declien onXX/XX/XXXX even though their original letters said XXXX XXXX XXXX i SENT these documents prior to that. Now I am facing losing my home which I put a lot of work into. I put in solar panels for energy saving | ||||||
| 05/17/2021 | Yes |
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| I was in a repayment plan back in XXXX, XXXX and XXXX. I had {$1400.00} in my suspense account as of XX/XX/XXXX. According to my lender I failed behind I did not pay submit the payment with 10 days of grace. My grace has always been 15th days. Never I was told during a Forbearance period your grace period is 10 days. On XX/XX/XXXX a check was issued to me for {$1400.00} check # XXXX according to them. I never received the check. On XXXX the XXXX, I asked my lender to put a stop payment on the check and re issued another one. They have not re issued the check and I need the check in order to add to it to make a full payment. Every time I call, I am on the phone for hours and no one can tell me what's happening with the statue of the second check. I am a single mom trying to survive in this difficult time My account with Homebridge financial is XXXX they address is Homebridge Financial. XXXX XXXX XXXX, XXXX, NJ XXXX | ||||||
| 05/25/2021 | Yes |
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| In XXXX of XXXX Homebridge mortgage took away my ability to pay over the phone. This caused me to have to mail the payment to Homebridge 's XXXX XXXX and the payment was applied late due to processing. I did complain and was told that there was nothing I could do about it and it counts as a 30 day late even though there are 28 days in XXXX. In XXXX I still had to mail the payment in which I did so by USPs priority mail. I received a letter from Homebridge stating that I had mailed the payment to the wrong XXXX XXXX and it provided me with the correct XXXX XXXX to mail future payments too. the letter was dated XX/XX/XXXX however I still received a 30 day late on my credit report. This caused my Streamline refi to not go through because it shows two thirty day late charges. Homebridge has refused to remove the charges and I can not continue to pay a 5.25 % interest rate which I have been paying since XX/XX/XXXX. | ||||||
| 02/09/2022 | Yes |
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| I was in searching for a new home when I reached out to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX. I provided my approval letter from a lender that I worked with which was not satisfactory to XXXX to which she said she would accept my offer under the contingency that I would acquire a preapproval from a mortgage company that they worked with ( XXXX XXXX at Homebridge XXXX # XXXX ). I was told I am approved verbally, never received a pre-approval letter. Days later my agent reached out stating that XXXX had declined to accept my offer because of information disclosed to the mortgage broker regarding my financial information. This text indicated my location, my ownership in another home, and my plans to lease this home out. These were only solely disclosed to XXXX 's team at Homebridge. I never authorized this information be disclosed to XXXX as this is sensitive information. A clear violation of lender laws. | ||||||
| 05/03/2016 | Yes |
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| I received a letter dated XXXX/XXXX/16 from HomeBridge Financial Services ( actually received the physical letter via mail on XX/XX/XXXX ) stating my loan was sold AGAIN ( this is the 3rd time my loan has been sold in less than 12 months ) to XXXX XXXX XXXX effective XXXX/XXXX/16. However, I have auto setup for my payments at HomeBridge that has been transferred on XXXX/XXXX/16. When I attempted today ( XXXX/XXXX/16 ) to call XXXX XXXX, to explain that I have n't received a loan package yet and the payment had already been made to HomeBridge, I was unable to physically talk to anyone without a Loan # but did hear a recording that " if I was calling regarding loan transfer - it would n't be completed until XXXX/XXXX/16 ). I then tried to call HomeBridge and every time I entered my Loan # and last XXXX digits of SSN the call was disconnected. Therefore, I was unable to speak with anyone there either. | ||||||
| 04/01/2020 | Yes |
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| I have been paying my mortgage on time until 2 months ago. I called Homebridge financial and asked what I could do. I even offered to pay partial payments or just my mortgage amount minus the PMI and was told it was all or nothing. Which I could not do. I was told I did not quality for a modification. Now I lost my job due to Covid19 and am waiting to be tested for the virus. I called again to ask what I could do and was told there was nothing they could do and they would send me a packet to fill out which I should receive in 12 days. All my calls were recorded as per the company. I was told that there would be possible assistance during this time. This is not my original mortgage company as I refinanced and wished I never did. Every time I call I am treated horrible. I am not a bad person just having some financial problems. I would like them to work with me not treat me terrible. Please help. | ||||||
| 12/18/2019 | Yes |
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| XX/XX/2019 my loan was paid off with Homebridge Financial ; the escrow balance of {$3500.00} was supposed to be reimbursed and mailed to me within 30 days of the loan being paid off. by XX/XX/XXXX, I called them to follow up on the check, and was told to wait another 2 weeks. By the end of XXXX, I was told that the wrong address was imputed on the mailing envelope and the check was returned to Homebridge. I requested a direct deposit or expedited mailing at my cost, and they declined the request. I was told the check would not be issued any time before XXXX XXXX in XX/XX/XXXX, I received an Escrow Account Disclosure Statement, but no checks. I been trying to reach customer service to no avail. Finally today I reach someone and was told that the check was not mailed until XXXX XXXX that is clearly way over 2 months since my loan was paid and as of today, XX/XX/2019. I do not have my refund. | ||||||
| 09/05/2020 | Yes |
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Web | Servicemember |
| I Requested a Forbearance under the " Cares Act '' on XX/XX/2020 and received a letter from the mortgage company saying the mortgage was placed in the forbearance until XX/XX/2020, then the payment would be due, the mortgage was CURRENT at the time of the request. On XX/XX/2020 received a letter from the mortgage company requesting XXXX and XXXX payment be made on XX/XX/2020 or a Late Fee would be imposed. We created Another financial hardship to get the money and paid the loan for fear of credit report damage, as the mortgage payments have Never been late. I am a veteran that is XXXX percent XXXX with a Spouse that is my VA Federal Fiduciary, the mortgage company has been given permission via Telephone and in Writing and still Refuse to communicate with my Spouse Fiduciary on my behalf, I don't understand and can't argue and debate with them. | ||||||
| 03/12/2016 | Yes |
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| I refinanced my FHA loan XX/XX/2015 through a program to reduce my mortgage insurance. HomeBridge Financial Services acquired my loan at that time and began harrassing me by calling repeatedly ( while I was at work on my cell phone and on my work phone ) about paying my mortgage, even though the checks I sent in were cashed! Now I have a new, VERY serious problem. I have received Notices of Delinquent Secured Taxes with late penalties of over {$1200.00} due to the fact that no one has paid the taxes on this property. This is completely unacceptable and I will not be held liable for these late charges. I was NEVER told that I would be responsible for getting the taxes paid. This is an FHA loan and therefore an impound account is assumed and it was my understanding that this is n't something I have to worry about or handle on my own. | ||||||
| 02/05/2019 | Yes |
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| We have a fixed 30 year fixed mortgage with Home Bridge and have been paying $ XXXX month for many years. Suddenly our mortgage went up to {$4900.00} and we called Home Bridge to find out what happened. They said we had a {$7400.00} escrow shortage because they made a mistake on our property taxes. For some reason they were billing us half the property taxes but the township was paid in full. We are being held liable for these high payments since they spread the escrow shortage over 12 months and added to our monthly payments. The loan has been transferred to XXXX XXXX now. We have taken a personal loan with a high interest rate and paid off the escrow shortage. Do you think this is fair? How can we approach this? This is causing us a lot of stress. Any advice would be appreciated. | ||||||
| 11/14/2019 | Yes |
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| I had a construction/rehab loan. I had reached the maximum number of withdrawals from the escrow account, after which I was not allowed to make any more draws on the account. The servicer ( Homebridge ) refused to have the balance of the account applied to the principal of the mortgage. This cost me interest, as I am paying interest on the escrow. After a year, I finally refinanced the loan. At this time, the servicer claimed that the account was closed and that the balance on the escrow account had been applied to the principal at the time of payoff. This turned out not to be true. They held that money for ten months before sending me a check for the balance. During all this time, I have been paying interest on this money because it is still part of the principal that I owe on the mortgage. | ||||||
| 09/01/2020 | Yes |
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Web | Servicemember |
| As of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX is reporting on my credit reports, I have never had an account with this company, My Mortgage was handle by Homebridge Fin. My Home loan was paid in full XX/XX/XXXX and now XXXX is reporting on my CRA as 90 late, I have tried calling the number listed on the CRA report, but it is just no answer. Also it is reporting my loan was late XXXX, XXXX, XXXX, XXXX now. I have contacted Homebridge and they provided a notice stating there is no adverse action being reported on my CRA reports but the CRA ( XXXX XXXX, XXXX ) states and show the information is being reported as accurate after I have sent them all the paper work to dispute and correct. I want all information from this company removed from my CRA reports. | ||||||
| 03/16/2020 | Yes |
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Web | Servicemember |
| I am the Seller of a home in XXXX Florida that closed on XX/XX/XXXX. Per the terms of the contract I offered to provide the buyers with a new A/C system. The cost of the new A/C system was {$5500.00} of which {$540.00} was pre-paid. The Lender required an escrow hold-back of 150 % which equaled {$7500.00}. The A/C system was installed XX/XX/XXXX and a Escrow Release Agreement was signed XX/XX/XXXX. To date ( XX/XX/XXXX ) the A/C company has not been paid nor have I have received the {$2500.00} held back over the {$5000.00} remaining balance of the A/C system. Homebridge Wholesale refuses to address the title company 's multiple request for an explanation of when the escrow hold-back will be released nor do they respond to numerous phone calls from me. | ||||||
| 01/11/2017 | Yes |
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| XXXX of 2016 i decided to refinance my 15 year mortgage to a 10 year mortgage with Homebridge Financial Services, lowering my rate from 3.5 % to 2.75 %. The loan officer locked the rate and started the process of refinancing. I paid {$650.00} upfront for an appraisal on the property. Over the next four months I sent in all of the documents requested to Homebridge. Unknowing to me, the rate expired and no one notified me of this so I could make a decision early on to move forward or not. I finally get a call at the end of XXXX 2016 to tell me that they did n't think that it would be beneficial to me to refinance now that the rates had gone up. I am requesting that my {$650.00} be refunded to me due to the incompetence of this company. Thank you, XXXX | ||||||
| 06/10/2021 | Yes |
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Web | Servicemember |
| My previous home was sold on XX/XX/2020 and the mortgage with Homebridge was paid off. We received a letter of satisfactory. 6 months later Homebridge continues to report to all 3 credit bureaus that the account is open. This has affected my lifestyle and family tremendously as it shows that I have multiple homes and mortgages and it has negatively impacted me & my family. Ive attempted multiple times to resolve this with Homebridge and they continue to say to dispute it with credit bureaus instead of updating the account status. Ive requested to speak to a supervisor and Im denied to speak to one at the moment and told a request is submitted and I have to wait an unknown amount of time to receive a call back. I have yet to receive one. | ||||||
| 01/27/2020 | Yes |
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| Homebridge Financial Services did not pay my home insurance payments, even though they are legally required by FHA regulations. I first called them in XX/XX/XXXXand asked why my home owners insurance had not been paid, they told me that I didn't have an escrow account to insurance, even though its a legal requirement of a FHA loan, they even told my insurance company that the payment was not escrowed as well. After Homebridge corrected the original issue of not paying insurance, they got a hold of my provider, and mailed a check. apparently the check was not received or refused. Instead of notify me, they did nothing, allowing my insurance to lapse. Homebridge then sent me a fine for the lapse of coverage, which they are the cause of. | ||||||
| 04/20/2016 | Yes |
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| I was browsing local lenders on XXXX and XXXX websites to find a local mortgage lender. I noticed there are several mortgage loan officers at our local Homebridge Financial Services branch that are not advertising their license number. Before I apply anywhere for a home loan, I 'd like to research and review their employment history to see how knowledgeable they are. The last time I gave my personal information for a home loan, I had a bad experience so I am very cautious. It 's my understanding that each loan officer is required to display their license number. I even noticed that one of their co-workers with a higher title is n't advertising his license number, either. I 'm concerned that this company is n't operating legally. | ||||||
| 08/10/2021 | Yes |
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| My mortgage company, Homebridege Financial Services , Inc. ( HFS ), claimed to pay my home insurance renewal fee to XXXX XXXX XXXX ( XXXX ) .The fee was {$830.00} and HFS claims to have paid the full amount of {$830.00} on XX/XX/2021. XXXX claims they received a payment from HFS of {$590.00} on XX/XX/2021. XXXX claims that there is a policy balance of {$230.00} and that I must pay for it since HFS did not. I have contacted both HFS and XXXX on several occasions to sort things out. Their accounts remain the same : HFS claims they paid {$830.00} ( the full amount ) to XXXX while XXXX claims that HFS only paid XXXX {$590.00} and that I owe the {$230.00} balance. Both companies have paperwork that backs up their respective claims. | ||||||
| 09/07/2021 | Yes |
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| This second complaint is in correspondence with my previous complaint filed with you on XX/XX/XXXX complaint XXXX. Homebridge financial services inc has not resolved this issue. The tax exemptions department has not adjusted my mortgage payment back to XXXX to date. I have submitted proper supporting documentation along with XXXX city Metropolitan department stating that the error to my water consumption for XXXX was corrected. I have called to follow up with this issue on XX/XX/XXXX And XXXX to get the status and I was left on hold for an extended amount of time and no one answered to give me an update or status to when this will be completed. This is the second month I am left to pay a high mortgage payment of {$1900.00}. | ||||||
| 07/20/2016 | Yes |
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Web | Older American |
| I contracted with HomeBridge Financial Services in XXXX for 30 year mortgage. I was very happy with my loan with them ... in XXXX of XXXX, they sold my loan to XXXX Mortgage. I received a letter from XXXX that stated I need to get flood insurance. I have been fighting this for weeks trying to resolve the issue. my my loan included a flood certificate dated XXXX which was totally valid but XXXX would n't accept it. my loan should NOT have been sold if they would n't accept the document. now I have spent XXXX already to obtain a document from from FEMA ( pending ) and faced with having XXXX automatically add flood insurance to my monthly payment. which I cant afford right now. I am so unhappy that all of this has happened. | ||||||
| 02/28/2021 | Yes |
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| I recently refinanced my mortgage on XX/XX/XXXX. I paid the new mortgage company ( XXXX ) on XX/XX/XXXX. However somewhere during the month of XX/XX/XXXX the new mortgage company XXXX XXXX took over. I never received the notice. XXXX XXXX is stating they didnt receive my XX/XX/XXXX payment and because my XXXX loan is closed they say the didnt receive the payment. I have proof of payment from XXXX, yet they cant get my money back. I am now out {$1300.00} and no one is getting the money returned to me. What can I do? XXXX prompts tell me the loan is closed and hang up. I have faxed them and sent a letter providing my proof is payment. Please tell me how I get my money back so I can pay XXXX XXXX. Thank you XXXX XXXX. | ||||||
| 03/06/2018 | Yes |
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| Homebridge Financial recently sent me an Escrow Statement in which they astutely projected the expense toXX/XX/XXXX but since they conducted the trial balance in XX/XX/XXXX, omitted theXX/XX/XXXX actual from their calculations. If this payment had been calculated, I would've had an overage of {$100.00} in the account. Since the impacted payment would be in XX/XX/XXXX, this continued practice by HFS will always throw a shortage on the escrow. In essence, they are calculating the requirement to 12 months but the actual payments to 11 months. This practice is contrary to the rules on escrow and could be impacting thousands of consumers, I have called 3 times already and can not get a straight answer. | ||||||
| 03/19/2021 | Yes |
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| Ive been applying for a loan modification with Homebridge since XX/XX/XXXX. Ive had to submit multiple complaints to them in order to try and receive any help but still none. They finally approve me for a loan modification XX/XX/XXXX. I sign My agreement and send it back to them via XXXX certified mail. Tracking # XXXX. This shows signed for my Homebridge on XX/XX/XXXX at XXXX. I just Received a letter in the mail with my trial payment returned and them stating they never received my agreement signed. This process is very frustrating and this company does not know what they are doing. Im on the phone with an associate now saying my modification is denied. This is complete and utter nonsense! | ||||||
| 10/26/2020 | Yes |
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Web | Servicemember |
| My wife and I were going through XXXX XXXX to have a home built. The process with them has been great, the problem weve had is with their preferred lender HomeBridge. The sale of our existing home and moving was based around an expected closing date of the XXXX of XXXX. The next day, Friday the XXXX of XXXX we were told by the loan officer and his staff that the closing was Monday now the XXXX of XXXX, and we would need an additional {$7000.00} at closing. The additional funds at closing was due to a clerical error on the loan officers part, admitting that they failed to give the appraiser paperwork for an upgrade on the house. This caused the appraiser to fall short on his appraisal. | ||||||
| 02/17/2021 | Yes |
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Web | Older American, Servicemember |
| My husband, XXXX XXXX XXXX. LOAN NUMBERXXXX, XXXX XXXX XXXX XXXX XXXX, Fla. XXXX has passed away on XX/XX/XXXX. He was 100 % military XXXX and had a VA mortgage. I was left with no back up or spouses survival money because we were only married seven months even though we were together 10 years. All of the mortgage payments were paid for his VA military XXXX benefits. The check stopped arriving immediately. All I have is my Social Security which is after {$900.00} a month. I want to try to sell the house and and be able to put it on forbearance. My name is XXXX. Do you think you can help me I have been trying all day on the phone and have gotten in touch with absolutely nobody. | ||||||
| 12/30/2015 | Yes |
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Web | Older American |
| Our previous mortgage holder transferred our mortgage to HomeBridge Financial in XX/XX/XXXX. We have always paid our mortgage payment and sent an extra check for {$1200.00} to go toward our principle. Since they have become our mortgage company, they have applied that extra check as another mortgage payment and then applied the extra as the principle. This happened in XX/XX/XXXX and in XX/XX/XXXX. They are now saying we do not owe a payment until XX/XX/XXXX. Instead, we want that applied as principle to help our interest payments. I e-mailed the company on XXXX XXXX, 2016 asking them to correct this and all I get is assurances that it has gone to their accounting department. | ||||||
| 08/28/2017 | Yes |
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| HomeBridge Financial Services , Inc . Loan # XXXX my principal is {$710.00}, payment {$1000.00} with Escrow {$330.00} per year sinceXX/XX/XXXX when I refinance and pay over {$3000.00} in Escrow in total over {$6000.00} Escrow insurance {$660.00} tax {$2400.00} total {$3000.00} {$330.00} x XXXX = {$3900.00} now {$400.00} X XXXX = {$4900.00} home bridge inXX/XX/XXXX have increased my monthly payment by {$78.00} with out letting me know I have to pay {$400.00} per month XXXX {$4900.00} per year to cover my tax and insurance wish cast me {$3000.00} Home Bridge company is not acting in my best interest. I should not be forced to over pay every month to keep a roof over my head | ||||||
| 09/29/2020 | Yes |
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Web | Servicemember |
| On XXXX the XXXX my mortgage loan was paid off in full to homebridge financial services and I was to receive a escrow refund check from the mortgage company homebridge financial services. The escrow check that I was to receive in thirty days never received the check at my address.I have made several phone calls to the mortgage about this issue but have not made any head way into resolving this issue with them. They assured me that they would stop payment on the first check that I never received. And they assure me that they would send out another check that they said should reach me within five business days which as of this date has not been delivered to my address. | ||||||
| 04/13/2019 | Yes |
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| i have ask several times for the mortgage company ( Homebridge Financial ) to report my account correctly ... they continue to tell me that they are but they are not! i have never been late with this account. They do not even service this account anymore and on my XXXX report it shows that they do and that it is open and late. They even tell me they do not service it anymore. XXXX XXXX is who services my account is what they tell me ... well i know that and they are showing on my bureau open and never late but so is HomeBridge who used to service my account but it is showing late. I WANT THIS OFF OF MY XXXX REPORT! IT IS NOT TRUE AND THEY ARE HARMING MY CREDIT! | ||||||
| 09/15/2021 | Yes |
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Web | |
| HomeBridge Financial Services , Inc. is refusing/delaying the process of disbursing the money held in escrow. All Payments have been made ( zero missed or late payments ) and the loan has been paid in full. I have sent multiple requests to their " chat '' and message inbox and they continue to delay and will not release the money from escrow. Furthermore, their customer services department is unable to take any action nor willing to fix the issue for release of the money. I feel as a consumer I am being taken advantage and concerned their financial mortgage operation is not financially sound. They are in violation of their agreement as a mortgage servicer. | ||||||
| 10/08/2021 | Yes |
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| They are refusing to help me and continue to report my account late when it has never been late. XXXX EID # XXXX told me today the credit department erroneously marked my account as past due though they still don't own the account and have not owned it since XX/XX/2021. The company who is doing this is XXXX XXXX. The XXXX report number for my case is XXXX. I have also notified the company 's top executives XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and others -- all have done nothing to help. These executives can be reached at XXXX. They have turned my life into a nightmare with this credit issue and I need to have this fixed today!! | ||||||
| 02/19/2018 | Yes |
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| Homebridge financial in XXXX Ca pulled my credit file without any authorization whatsoever from me in XXXX. This has had a damaging effect on my credit file. I contacted the credit bureaus and they are telling me they have no control over what they report and print, That the only one that can remove this is the [ party that put it on, in this case Homebridge Financial. These guys pulled my credit in XXXX with my permission to do a refinance of my home. Then they went and pulled it a second time in XXXX without my permission. This is Illegal and against the law. My name is XXXX XXXX and my social sec # is XXXX my dress is XXXX XXXX XXXX XXXX XXXX ca XXXX. | ||||||
| 06/08/2015 | Yes |
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| There was lack of communication from the lender, HomeBridge, and the Buyer and Seller involved in the deal. The lender kept pushing back the closing when they told us it could be done in 30 days. There were just excuses and really no concrete reason for the delay. At first it was because of the buyer 's verification of rent ; but, it was a simple needing the buyer to sign a release form to allow the rental agency to send the documents to the lender. After that I do n't know what the reason was for a 2 week delay in closing. It was a lot of simple mistakes and not owning the issue. Luckily we closed ; but, there was a lot of unnecessary drama involved. | ||||||
| 05/17/2017 | Yes |
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| I applied for a loan modification in XXXX 2016 and after months of resending the same paperwork and jumping through hoops, I received approval and a partial payment plan in XXXX 2016 in which I needed to being making payments for 3 months before I could be assessed for a permanent modification. I made my three payments, last one i n XXXX 2016 and they still have not completed my final loan modification. I have since been denied a job because of this account on my credit, due to their delay and just keep getting the run around when I call for an update. I need this modification to be complete and my credit report updated immediately. | ||||||
| 01/03/2018 | Yes |
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| Despite numerous complaints, Homebridge financial keeps locking me out of my account. They are not the one-stop-shop for my entire financial profile. I use third party applications/software to log into my homebridge mortgage account and pull the data needed to keep up with my finances. Homebridge blatantly blocks my attempts to log into my own account through these apps. They have declared 5 of my passwords unusable. I 'm on my 6th password, and it 's not 1 of my usual 3 passwords so I 'm constantly forgetting it and having to go through the process of resetting my password. Homebridge, and its security are doing more harm than good. | ||||||
| 08/16/2019 | Yes |
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| I closed on my property at XXXX XXXX XXXX XXXX, la XXXX on XX/XX/2019. money was collected at closing ( {$4700.00} ) for holdback for repairs and sent from the title company to the lender ( homebridge ) as instructed by the lender. I have been contacting home homebridge since XX/XX/2019 in regards to that amount of money to have repairs taken care of. I have not only gotten the run around and multiple numbers to contact but no one has yet to contact me or the closing company back. The corporate office number I was instructed to call no longer gives you a option to select a extension it does nothing nor does a operator pick up the line. | ||||||
| 02/10/2021 | Yes |
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Web | Servicemember |
| VA loan with XXXX in XXXX. Loan was sold three times in two years Homebridge to Company X, back to Homebridge. Homebridge now has two accounts on my credit showing past due 60 days because they sucked at keeping up with when they sold my loan. Sold house in XXXX, paid in full and was never late. I have called, faxed and snail mailed Homebridge with no response. Calls after waiting on hold hours, end with promises of a call back by " credit department '', never happens. All disputes come back with " verified information ''. Now they have just put a current late XX/XX/XXXX on a loan that was closed and paid in full back in XXXX. | ||||||
| 02/19/2021 | Yes |
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Web | Older American, Servicemember |
| I refinance my mortgage in XXXX of this year I was told I didnt have to make a payment to the new mortgage until XX/XX/XXXX the mortgage company sent the payoff check to my mortgage company and it was short they sent a check back but three weeks went by I found that out made a payment for XXXX to try to save my credit report the mortgage company since sent the correct payment with the XXXXirst mortgage company report and me being late 30 days to no fault of mine Im trying to fix it with them but they giving me a hard time Ive even sent letters from the mortgage company saying it was their fault what am I supposed to do | ||||||
| 09/13/2017 | Yes |
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| I filed all paperwork to support my situation to the Loss Mitigation Department and they are stating I do not qualify for a modification. I lost my job in XXXX and was unemployed for almost 3 mths. I started the process of the application in XXXX and on XXXX XXXX, 2017 is when I was notified that they could n't help me. I 've had my home for 2 1/2 years payments always on time. My salary is lower. I do live in my house and wish to keep it just need help staying in my home. They seem to be unwilling to help. I 've asked about any other options and they stated unfortunately there 's nothing they can do. Please help!!! | ||||||
| 05/23/2016 | Yes |
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| On XXXX XXXX I made an online payment with Homebridge Loan Servicing Inc. and received immediate confirmation of such. This payment was not debited from my account and they subsequently transferred my loan to another servicing company. I have written and called on numerous occasions and no one has even investigated the matter, much less resolved it. This company is poorly run and has had numerous problems in the past with its web-site and with debiting mortgage payments appropriately, even to the point recently where they improperly debited numerous accounts and had to provide refunds. XXXX XXXX XXXXXXXXXXXX | ||||||
| 09/07/2018 | Yes |
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| Home Bridge is reporting a 30 day late to my credit report. They have admitted that they were wrong in charging me this late fee and sent me a letter saying that they would refund the late fee that I was charged. That was back in XXXX and they still have yet to send me the refund. Furthermore they can not say that they will send a refund for the late payment and continue to post a 30 day late to my reports. This company is terrible to work with and I have been trying to be routed to the correct person to fix this since it happen back in XXXX of this year. They are damaging me by report this loan inaccurately. | ||||||
| 09/05/2022 | Yes |
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| On XX/XX/2021, HomeBridge Financial made a payment of {$980.00} from my escrow account to the incorrect insurance company. HomeBridge made the incorrect payment to XXXX XXXX XXXX XXXX XXXX. HomeBridge recognized the error in XX/XX/2021 and made payment of {$980.00} to the correct insurance company ( XXXX XXXX ). I have contacted HomeBridge over 10 times requesting the XX/XX/2021 payment be refunded. In XXXX of XXXX, a manager for HomeBridge verbally agreed to refund my escrow. In XXXX of XXXX, my loan was sold to XXXX. Since my loan was sold, HomeBridge as refused to provide me a refund for their error. | ||||||
| 10/15/2019 | Yes |
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Web | |
| Home bridge financial report late payments in XX/XX/2018. When I reached out to Home bridge they advised that they never report any negative information and to dispute with credit bureaus. I did that also and was told it was removed. I recently applied for a refinance with XXXX and they are telling me Home bridge report late payments on my credit which Home bridge denied they did when I asked about it in XX/XX/2018. I am attaching emails from home bridge where they are stating they did not report a late payment and the texts from XXXX saying they did report and i can not refinance now due to this error | ||||||
| 08/24/2021 | Yes |
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Web | Servicemember |
| After completing a loan forbearance under the CARES Act in XX/XX/2021, I was placed in a VA Streamline Covid19 Disaster Modification repayment in which I have been on time each month. However, Homebridge Financial is negatively reporting my payments citing that once the initial prequalification is completed ( 3 months ) then they will remove the negative reporting to my credit. This does not make any sense and I never signed anything agreeing to such a crazy process. I feel that I am being discriminated against and I need your help to resolve this issue and make whole the credit reporting issue. | ||||||
| 02/04/2016 | Yes |
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| Our new loan accepted the first payment for XXXX XXXX but locked out the XXXX XXXX payment. It did not clear year. Found out late XXXX that Homebridge Financial froze old loan and wants a payoff through extra doubled up of prepaid interest due for XXXX XXXX XXXX. The new loan already that I signed XXXX XXXX XXXX XXXX with the payoff upped the loan amount as well as the old pay off had the interest figured in. Nobody can tell me why and have the figures laid out of why. My closing costs on old loan XXXX to reestablish escrows. They want another XXXX to fix their problem but not addressing why. | ||||||
| 12/08/2020 | Yes |
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| I reached out to my mortage company on XX/XX/2020. I requested a Forebarance. I was told by the rep I had already used my forebarance periods, except 1. I asked her to look up that I had not ever missed a paymet before XXXX, however, she didn't speak english and I couldn't understand her. I asked for a translator, via email but no one ever responded to me. I did request the 1 last forebarance period Homebridge said I had online, but was denied. Now they are showing a late payment. I have tried reaching out 6 times via chat and email but they always give me a canned answer or disconnect. | ||||||
| 07/26/2018 | Yes |
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| I refinanced my home at the end of last year with Home Bridge Finical. I am not happy with the company and pray every day that they sell my mortgage to another servicer. I have never been late on my Mortgage still they somehow charged me a late fee which was damaging to my family to have to pay. They were not able to prove that I was late ( because I was not ). When I call into talk to a representative about this no one can help they state that I have to email them directly. Which also provides no support to my problem. CONSUMERS beware to never use this company!!!! | ||||||
| 07/21/2015 | Yes |
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Web | |
| We applied for a VA mortgage loan with Homebridge Financial Services. We were assured numerous times by our representative with Homebridge that we would be able to do a loan modification on our VA loan after closing since we would be making a substantial payment soon after closing. However, we are now being told that such loan modifications are not available on VA loans. We have a larger payment that we expected to have because of this mis-information and we will have to pay thousands of dollars to refinance the loan to reduce that payments as planned. | ||||||
| 07/19/2018 | Yes |
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Web | |
| I have call homebridge consumer service, haven't heard from XXXX XXXX branch manager, they give a number XXXX XXXX XXXX, XXXX XXXX officer refuse a appraisal refund, I feel loan officer Mr XXXX XXXX misrepresented my options by telling me loan was approved, requesting a fee or appraisal which homebridge cashed that declined the loan the loan should have been reviewed and declined before the appraisal was ordered I do not recall signing an intent to proceed disclosure, this is required before an appraisal can be ordered and charged to the consumer " | ||||||
| 12/12/2023 | Yes |
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| We closed in XX/XX/2022 and since then it's been one thing or another with the title. And now it is still not retired as indicated at closing by Homebridge our lender at the time of closing. It closed and funded. The loan was bought by XXXX XXXX and the title is still under Homebridge as well. And they won't change that either. It became an issue when we tried to refinance and the title was not retired as was indicated by Homebridge to the title company. It's been an ongoing struggle with all companies. And neither have come up with a solution. | ||||||
| 05/01/2015 | Yes |
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Web | |
| I asked a loans officer who had previously help me obtain a previous mortgage what thee estimated cost would be for a new mortgage for a new home I wanted to look. I wanted to get ahead of the curve by knowing what my estimated closing cost were and the rate based on current 30 year fixed rates. However, the loan officer took it upon herself to pull my previous file and run my credit with out my permission. It came as a shock when she sent me the credit report. The officers name is XXXX XXXX from XXXX XXXX XXXX. NMLS # XXXX XXXX # XXXX | ||||||
| 11/09/2020 | Yes |
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Web | Older American, Servicemember |
| I've been trying ever since XXXX the XXXX to get my mortgage documents. Homebridge Mortgage keeps telling me their sending it out and that I will receive it within 72 hours but I've never received any documents or papers since XXXX the XXXX. I've called 6 times within that time frame. Ive asked to speak with the CEO to get this resolved, they gave me someone in office and they stated the same info about sending within 72 hours. Still I have nothing! Please help me get this resolved asap, thank you for your service! | ||||||
| 02/11/2021 | Yes |
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Web | Servicemember |
| In XXXX I was closing on our home through Homebridge financial. There was an issue I couldnt get resolved through their proper channels so I submitted a complaint. Complaint number XXXX was closed on XX/XX/XXXX by Homebridge with the response that they would give {$1000.00} in monetary relief. As of XX/XX/XXXX I have yet to receive the check. After many phone calls to Homebridge they have stated that they are not aware of any money they owe and are not aware of the complaint made. | ||||||
| 06/05/2015 | Yes |
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Web | |
| I tried to purchase a condo in XXXX XXXX south Carolina. The bank that I dealt with ( Home Bridge Financial Services ) waited until the day of closing to tell me that I could not rent this unit out so I had to get a different loan for 3 % higher than the XXXX they was already charging me. I had already paid out Earnest Money, Appraisal Fees, and Home inspection Fees. Costing me over {$2000.00} and lots of time. These financial institutions needs to be takin out of business. | ||||||
| 05/03/2016 | Yes |
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Web | |
| My mortgage lender keep bouncing me from one servicer to another. I had to switch 4 times in less than 14 months. Every time there is a switch, had to signup with new servicer for auto debit processing. Also, during most recent switch, I got double charged for the same month ( XXXX ). Got an email saying that it happened in an error. Looks like there is no clear regulation on these kind of activities. Worst of all these things, customer service is no where to find. | ||||||
| 06/28/2018 | Yes |
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Web | Servicemember |
| I did a refinance for a lower rate. I supplied my current mortgage statement and the current tax information for that year up coming taxes. The broker XXXX XXXX with XXXX XXXX XXXX, wanted to under cut the competition and got me a lower monthly mortgage by cutting my escrow in half! Thus making my mortgage escrow account short shortly after that thus increasing my mortgage by {$500.00}! Now I pay more than I originally did a month! This refi happened XX/XX/2017. | ||||||
| 08/18/2023 | Yes |
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Web | Servicemember |
| XXXX companies for the past XXXX years have been inaccurately reporting late payments on my accounts and refuse to investigate and correct or update accounts to paid as agreed. Companies have listed accounts as " was a collection, but paid '', " sold '' or " transferred ''. Creditors refuse to correct these inaccuracies and have left me paying higher interest, being denied for credit, and left me no other choice but to report their illegal activities. | ||||||
| 02/02/2017 | Yes |
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Web | |
| We applied for a refinance at 3.125 % for 20 years. Homebridge, which is also my current lender, dragged out the process for over 60 days, continuously delaying submission of documents. Each time we were asked for a document, we provided within 24-36 hours. Homebridge delayed our closing so long that the mortgage rates skyrocketed and they refused to honor our signed rate lock even though all delays were their fault. | ||||||
| 01/20/2021 | Yes |
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Web | |
| Homebridge had closed a previous inquiry regarding an issue with my escrow account. But there still is an open issue from that inquiry that needs to be addressed. Your company previously stated that an escrow refund of {$3300.00} was mailed to me, the borrower, back in XX/XX/2019. I do not recall receiving this check in for the overage from the escrow account. Can you please tell me of that check was ever cashed? | ||||||
| 09/18/2020 | Yes |
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Web | Servicemember |
| No returned calls or emails. Mislead about a refinance. Mislead about the removal of Our mortgage insurance. XXXX XXXX caused a financial burden throughout our attempts to refinance our property. Words cant express how unethical they have treated my father and I even as their current customers. My father and I own multiple houses and this is the worst experience weve ever had with a lending company. | ||||||
| 08/02/2017 | Yes |
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Web | Servicemember |
| I sold my home and the mortgage was paid off on XXXX/XXXX/17. At the time the mortgage was paid off, I had an escrow balance of {$8400.00}. I sent a letter to Homebridge Financial requesting the escrow balance be refunded and I provided a current mailing address. It 's now been 20 days, and I have not had my escrow balance refunded. Is there a limit to the time frame the bank can withhold my money? | ||||||
| 05/24/2019 | Yes |
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Web | Servicemember |
| Incorrect reporting on all three credit bureaus. Creditor, HomeBridge mortgage reporting a 30 day late XXXX of 2018, this is incorrect. Sending a copy of the mortgage statement. I have been working with a credit repair company for two months with this problem, it still exists on all three credit reports. This incorrect reporting is stopping me from a refinance of my present mortgage. | ||||||
| 11/02/2021 | Yes |
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Web | Servicemember |
| I applied for a loan modification due to the pandemic. My husband hours got cut, so we were behind on payments. We applied for the modification for a fresh start. The home lender raised our mortgage payments instead of lower it. I reached out for help to get my payment were i could afford them. If I knew they would raise it, then I shouldnt have asked for help. How is that helping me. | ||||||
| 08/18/2020 | Yes |
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Web | Servicemember |
| I paid my mortgage in XXXX through cashier check .The mortgage company has the cashier check but do not want to put in the work to find it .My bank already faxed them duplicate of the cashier check .it has been over 6 months and anytime I call I get the same response Give me up to 3 working days and nothing is being done .They reported me to my credit bureau amidst all this. | ||||||
| 03/11/2021 | Yes |
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Web | |
| Home Bridge Financial Services Re UNAUTHORIZED HARD INQUIRY RUN ON MY CREDIT On XX/XX/2020 The above mentioned company ran UNAUTHORIZED HARD INQIURY ON MY CREDIT. THIS INQUIRY ran ON XX/XX/2020 is impacting my credit and am unable to obtain needed credit. XXXX***I RESPECTFULLY ASK, REMOVE THIS INQUIRY FROM ALL CREDIT BUREAUS IMMEDIATELY - WITH OUT ANY FURTHER DELAY***** | ||||||
| 04/06/2018 | Yes |
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Web | |
| HomeBridge Financial gave me false information over the past 3 months regarding my PMI. Even after a letter was sent they refused to stop charging it and kept telling me I wasn't qualified for it even though I was. And when I finally escalated they refused to have me stop paying until it was at 78 %, which when requested and good standing can be done at 80 %. | ||||||
| 05/19/2021 | Yes |
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Web | |
| Homebrige transferred account to XXXX XXXX. Homebridge is reporting account is closed. I did no close this account. I should no be penalized with the lost of 79 points on my credit profile XXXX XXXX XXXX XXXX This transfer has left a negative status on my credit profile and is hurting my future credit opportunities and has kept my score in the negative. | ||||||
| 10/26/2015 | Yes |
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Web | |
| We just finished doing a refi to remove PMI off our mortgage with no cash out and now we are paying more on the back end while they only eliminated XXXX of the {$600.00} PMI monthly. Today, not even making the first payment for another week, they send me a flyer in the mail on how I can eliminate the entire PMI as part of the new program they have. | ||||||
| 07/05/2022 | Yes |
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Web | Servicemember |
| Homebridge financial Services is a home loan servicing company that is reporting inaccurate information to the credit bureaus about my home loan. XXXX reported to XXXX and XXXX that I " pay as agreed and that my loan was transferred to another company '', but it is currently reporting negatively to XXXX that I have " XXXX late payments ''. | ||||||
| 06/30/2015 | Yes |
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Web | |
| I made XXXX mortgage payment electronically from my XXXX XXXX account to Homebridge financial on XX/XX/XXXX and XX/XX/XXXX. The mortgage company only credited my account for 1 payment. I have been followed up on this matter a few days but the company kept giving me a runaround and neither credit my account nor refund my money. | ||||||
| 03/28/2016 | Yes |
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Web | Servicemember |
| My new loan servicer incorrectly applied an entire mortgage payment to principal, failing to give me credit for the normal installment payment. I became aware of this mistake via robo-calls every month asking me to make a payment even though it was automatically drafted on the due date each month since origination. | ||||||
| 09/22/2015 | Yes |
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Web | Servicemember |
| Complaint # XXXX. This is our complaint on file with your agency. I received an email today stating you are passing it to the OCC. I already tried to file a complaint with the OCC and they would n't take it as the lender is a mortgage company and NOT a bank and referred us to you. This is beyond frustrating! | ||||||
| 02/14/2020 | Yes |
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Web | Servicemember |
| I need help with a loan modification. I can not get any information on how to proceed. Senior leadership has been involved but has done nothing to assist in the process. When I call customer service I am given different information each time I call. The process has been extremely frustrating. Please help! | ||||||
| 09/20/2018 | Yes |
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Web | |
| They are posting inaccurate information on my credit reports. I was NEVER late!!! They are saying I was 30 days late and it is not true. They have admitted that they were wrong and sent me a refund check for the late fee. I have been going round and round with them for almost 10 months now. | ||||||
| 10/28/2017 | Yes |
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Web | |
| I have tried to make the payments on line but, I am behind on my payments and they will only let me fill out a form for hardship. If I call then there will be a fee for calling in to make the payment.I have not filed bankruptcy and would like to keep up on things when i fall behind | ||||||
| 04/07/2021 | Yes |
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Web | |
| They are refusing to stop pay on homeowners insurance, the insurance company sent back check weeks ago and they can't seem to locate nor will they stop payment and refund the escrow. They are forcing me to pay 2 insurance for an error they made when I told them not to pay. | ||||||
| 08/25/2020 | Yes |
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Web | |
| I purchased a home on XX/XX/2020, and there was no information provided regarding the transfer fee ( {$7000.00} ) or monthly fee ( {$350.00} ) for the country club that the property is apparently part of. I am not sure who to talk to about this, so Im reaching out to you. | ||||||
| 03/09/2020 | Yes |
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Web | |
| I received a letter dated XX/XX/2020. That my request was received and all foreclosures and collections activity wil Will cease doing this 30 day Review, But my house was sold on XX/XX/2020 And then I was told that the letter was not sent out but I have a letter in hand. | ||||||
| 01/25/2017 | Yes |
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Web | |
| Despite previous requests that mortgage servicer not contact me at work and the mortgage servicer having my personal phone number, Homebridge Financial Services has continued to contact me at work including leaving a voice message in my employer 's general voicemail. | ||||||
| 10/04/2021 | Yes |
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Web | |
| I have always made ontime payments and never been late yet Homebridge Financial reported me as being 90 days late. I have never paid late and am on a forbearance plan and though they apologized and promised to get it off my record, they still have not done so. | ||||||
| 09/26/2018 | Yes |
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Web | |
| My mortgage monthly payment was Increase and tthey refuse to give explanation on why. My property taxes has went down as well as the PMI. On several occasion I have requested an Analysis of my escrow account amount but the company has refuse to do so. | ||||||
| 09/25/2021 | Yes |
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Web | |
| Violation of XXXX Timely escrow payments and treatment of escrow account balances. Loan fully paid on XX/XX/2021. Balance in escrow still has not been paid out timely. They are in violation of the 20 business days. Funds have not been received. | ||||||
| 11/09/2016 | Yes |
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Web | Servicemember |
| Homebridge financial Corp. is my mortgage and escrow company. They failed to pay my 2015 taxes on time. This resulted in a derogatory public record on my credit report. I paid Homebridge Financial on time for the entire year. | ||||||
| 02/22/2021 | Yes |
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Web | Older American, Servicemember |
| I had a home mortgage with Homebridge Financial Services last year ( Loan # XXXX ). This loan was paid in full as of XX/XX/2020. Homebridge has refused to send me my 1098 Mortgage Interest Statement for the year 2020. | ||||||
| 06/04/2021 | Yes |
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Web | |
| XXXX XXXX is reporting old information dated XX/XX/2020 and XX/XX/2020 on my accts ending in XXXX XXXX XXXX XXXX and Master Card XXXX also Credit XXXX is posting old information XXXX | ||||||
| 01/23/2017 | Yes |
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Web | |
| I was trtrying to see my loan on line and was told that I am blocked. From seeing it. Because I am delinquent on my loan and that it will only let me request lost Mtigation information | ||||||
| 06/07/2016 | Yes |
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Web | |
| I am in Chapter XXXX and asked for a payment history for my mortgage from my bank and they wo n't do it unless my attorney sends a letter. | ||||||
| 03/26/2023 | Yes |
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Web | Servicemember |
| Late payments thats shouldnt be on my consumer report according to 15 U.S. Code 1681a illegal to report late payments | ||||||
| 06/23/2022 | Yes |
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Web | |
| I was under forbearance, due to covid, It was not supposed to effect my credit. | ||||||
| 04/18/2020 | Yes |
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Web | |
| Payment late do to a natural disaster of coronavirus virus. | ||||||
| 11/03/2020 | Yes |
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Web | |
| XX/XX/2020 till XX/XX/2020, I was under employed | ||||||
| 01/25/2024 | Yes |
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Web | |
| 10/30/2023 | Yes |
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Web | |
| 08/29/2023 | Yes |
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|
Web | |
| 08/15/2023 | Yes |
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Web | |
| 06/30/2023 | Yes |
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Phone | |
| 03/17/2023 | Yes |
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|
Web | |
| 01/09/2023 | Yes |
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|
Web | |
| 10/14/2022 | Yes |
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|
Web | |
| 09/26/2022 | Yes |
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Postal mail | |
| 09/21/2022 | Yes |
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Postal mail | |
| 07/29/2022 | Yes |
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Web | |
| 07/27/2022 | Yes |
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Phone | |
| 07/14/2022 | Yes |
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Web | |
| 06/30/2022 | Yes |
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Phone | |
| 06/28/2022 | Yes |
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Postal mail | |
| 05/19/2022 | Yes |
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Referral | |
| 04/04/2022 | Yes |
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|
Web | |
| 03/30/2022 | Yes |
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Phone | Older American |
| 03/19/2022 | Yes |
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Web | Servicemember |
| 03/03/2022 | Yes |
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|
Web | |
| 02/25/2022 | Yes |
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Web | Servicemember |
| 02/19/2022 | Yes |
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Referral | |
| 02/02/2022 | Yes |
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Web | |
| 01/28/2022 | Yes |
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|
Web | |
| 01/28/2022 | Yes |
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|
Web | |
| 01/16/2022 | Yes |
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|
Web | |
| 01/12/2022 | Yes |
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Phone | |
| 01/08/2022 | Yes |
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Web | |
| 12/22/2021 | Yes |
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Referral | |
| 12/02/2021 | Yes |
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|
Web | |
| 11/09/2021 | Yes |
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Phone | |
| 10/27/2021 | Yes |
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Web | |
| 10/25/2021 | Yes |
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|
Web | |
| 10/22/2021 | Yes |
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|
Web | |
| 10/13/2021 | Yes |
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Referral | |
| 10/09/2021 | Yes |
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|
Web | |
| 09/28/2021 | Yes |
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Phone | Older American |
| 09/18/2021 | Yes |
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|
Web | |
| 09/14/2021 | Yes |
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Referral | |
| 09/09/2021 | Yes |
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|
Phone | |
| 09/07/2021 | Yes |
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|
Web | |
| 08/23/2021 | Yes |
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Web | Older American, Servicemember |
| 08/18/2021 | Yes |
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|
Web | |
| 08/10/2021 | Yes |
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Web | Older American, Servicemember |
| 07/27/2021 | Yes |
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|
Web | |
| 07/14/2021 | Yes |
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Phone | |
| 07/09/2021 | Yes |
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Web | |
| 06/30/2021 | Yes |
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|
Web | |
| 06/16/2021 | Yes |
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|
Web | |
| 06/15/2021 | Yes |
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Web | Servicemember |
| 06/08/2021 | Yes |
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|
Web | |
| 06/04/2021 | Yes |
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Referral | |
| 06/01/2021 | Yes |
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Phone | Servicemember |
| 05/24/2021 | Yes |
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|
Web | |
| 05/07/2021 | Yes |
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|
Web | |
| 05/04/2021 | Yes |
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Web | Older American |
| 04/25/2021 | Yes |
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|
Web | |
| 04/21/2021 | Yes |
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Web | Older American |
| 04/20/2021 | Yes |
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|
Web | |
| 04/16/2021 | Yes |
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|
Phone | |
| 04/01/2021 | Yes |
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|
Web | |
| 03/30/2021 | Yes |
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Phone | Older American |
| 03/02/2021 | Yes |
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|
Web | |
| 02/16/2021 | Yes |
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|
Web | |
| 02/08/2021 | Yes |
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Referral | |
| 02/06/2021 | Yes |
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|
Web | |
| 01/26/2021 | Yes |
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Web | Servicemember |
| 12/28/2020 | Yes |
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Web | Servicemember |
| 12/01/2020 | Yes |
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Referral | |
| 11/18/2020 | Yes |
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|
Fax | |
| 11/13/2020 | Yes |
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|
Web | |
| 11/05/2020 | Yes |
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|
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Phone | Older American, Servicemember |
| 11/03/2020 | Yes |
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|
Web | |
| 10/23/2020 | Yes |
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Web | Servicemember |
| 10/15/2020 | Yes |
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|
Web | |
| 10/13/2020 | Yes |
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Web | Older American |
| 08/29/2020 | Yes |
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Referral | |
| 08/04/2020 | Yes |
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|
Phone | |
| 06/23/2020 | Yes |
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|
Web | |
| 06/22/2020 | Yes |
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|
Referral | |
| 06/22/2020 | Yes |
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|
Referral | |
| 06/09/2020 | Yes |
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Web | Servicemember |
| 05/20/2020 | Yes |
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|
Web | |
| 05/06/2020 | Yes |
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|
Web | |
| 04/30/2020 | Yes |
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|
Web | |
| 04/28/2020 | Yes |
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|
Web | |
| 04/06/2020 | Yes |
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Phone | |
| 03/18/2020 | Yes |
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Postal mail | |
| 02/14/2020 | Yes |
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Referral | Servicemember |
| 01/30/2020 | Yes |
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Web | Older American, Servicemember |
| 01/27/2020 | Yes |
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|
Phone | |
| 01/07/2020 | Yes |
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|
|
Phone | Servicemember |
| 01/02/2020 | Yes |
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|
Phone | Servicemember |
| 12/11/2019 | Yes |
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|
Web | |
| 11/25/2019 | Yes |
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|
Phone | Servicemember |
| 11/21/2019 | Yes |
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|
Phone | |
| 11/11/2019 | Yes |
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|
Web | |
| 10/02/2019 | Yes |
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Web | Servicemember |
| 09/21/2019 | Yes |
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|
Referral | |
| 09/20/2019 | Yes |
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|
Referral | Servicemember |
| 09/17/2019 | Yes |
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|
Phone | |
| 09/15/2019 | Yes |
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|
Web | |
| 08/02/2019 | Yes |
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Referral | |
| 07/31/2019 | Yes |
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|
Web | |
| 07/12/2019 | Yes |
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|
Web | |
| 07/11/2019 | Yes |
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|
Web | |
| 06/24/2019 | Yes |
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|
Web | |
| 06/05/2019 | Yes |
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Phone | Older American |
| 04/30/2019 | Yes |
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|
Web | |
| 04/12/2019 | Yes |
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|
Web | |
| 04/04/2019 | Yes |
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|
Web | |
| 03/19/2019 | Yes |
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|
Web | |
| 03/19/2019 | Yes |
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|
Web | |
| 02/22/2019 | Yes |
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|
Web | |
| 02/10/2019 | Yes |
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|
Web | |
| 12/26/2018 | Yes |
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|
Web | |
| 12/19/2018 | Yes |
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|
Referral | |
| 12/04/2018 | Yes |
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|
Referral | |
| 11/17/2018 | Yes |
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|
Web | |
| 10/30/2018 | Yes |
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|
Web | |
| 10/05/2018 | Yes |
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|
Web | Servicemember |
| 09/17/2018 | Yes |
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|
Web | |
| 09/05/2018 | Yes |
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|
Web | |
| 09/02/2018 | Yes |
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|
Web | |
| 08/28/2018 | Yes |
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|
Web | |
| 08/20/2018 | Yes |
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|
Referral | |
| 07/20/2018 | Yes |
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|
Web | |
| 07/13/2018 | Yes |
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|
Fax | |
| 07/12/2018 | Yes |
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|
Web | |
| 07/03/2018 | Yes |
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|
Web | |
| 06/13/2018 | Yes |
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Referral | Servicemember |
| 06/04/2018 | Yes |
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|
Web | |
| 05/04/2018 | Yes |
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|
Web | |
| 04/27/2018 | Yes |
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|
Web | |
| 04/26/2018 | Yes |
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|
Referral | |
| 04/20/2018 | Yes |
|
|
|
Web | Older American |
| 04/09/2018 | Yes |
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|
Web | |
| 04/05/2018 | Yes |
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|
Referral | |
| 03/17/2018 | Yes |
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|
Web | |
| 03/14/2018 | Yes |
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Postal mail | |
| 03/05/2018 | Yes |
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|
Web | |
| 02/09/2018 | Yes |
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|
Web | |
| 02/03/2018 | Yes |
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|
Web | |
| 02/01/2018 | Yes |
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|
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Web | Older American, Servicemember |
| 01/14/2018 | Yes |
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|
Web | |
| 12/07/2017 | Yes |
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|
|
Web | |
| 11/13/2017 | Yes |
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|
|
Phone | |
| 10/30/2017 | Yes |
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|
|
Web | |
| 09/25/2017 | Yes |
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|
Web | |
| 09/21/2017 | Yes |
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|
Web | |
| 08/29/2017 | Yes |
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|
Web | |
| 08/15/2017 | Yes |
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|
Web | |
| 07/30/2017 | Yes |
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|
Web | |
| 06/13/2017 | Yes |
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|
Web | |
| 05/26/2017 | Yes |
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|
|
Referral | |
| 04/26/2017 | Yes |
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|
|
Web | |
| 04/12/2017 | Yes |
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|
|
Phone | |
| 03/28/2017 | Yes |
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|
|
Web | |
| 02/18/2017 | Yes |
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|
Web | |
| 02/06/2017 | Yes |
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|
Web | |
| 02/06/2017 | Yes |
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|
Web | |
| 01/31/2017 | Yes |
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|
Web | |
| 01/26/2017 | Yes |
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|
Web | |
| 01/05/2017 | Yes |
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|
|
Web | |
| 01/02/2017 | Yes |
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|
|
Web | Older American |
| 12/28/2016 | Yes |
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|
Web | |
| 09/07/2016 | Yes |
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|
|
Web | |
| 06/23/2016 | Yes |
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|
Referral | |
| 06/17/2016 | Yes |
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|
Postal mail | |
| 06/09/2016 | Yes |
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|
Web | |
| 05/17/2016 | Yes |
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Postal mail | |
| 05/04/2016 | Yes |
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|
Web | |
| 04/14/2016 | Yes |
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|
Web | |
| 03/30/2016 | Yes |
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|
Web | |
| 03/10/2016 | Yes |
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|
|
Phone | Servicemember |
| 02/12/2016 | No |
|
|
|
Web | |
| 02/06/2016 | Yes |
|
|
|
Web | |
| 01/22/2016 | Yes |
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|
|
Referral | |
| 01/05/2016 | Yes |
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|
|
Referral | |
| 12/23/2015 | Yes |
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|
|
Web | Servicemember |
| 12/18/2015 | Yes |
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|
|
Web | |
| 12/14/2015 | Yes |
|
|
|
Web | |
| 12/02/2015 | Yes |
|
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|
Web | |
| 09/17/2015 | Yes |
|
|
|
Referral | Servicemember |
| 08/18/2015 | Yes |
|
|
|
Web | Servicemember |
| 06/23/2015 | Yes |
|
|
|
Web | |
| 05/26/2015 | Yes |
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|
|
Phone | |
| 05/25/2015 | Yes |
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|
|
Web | |
| 05/14/2015 | Yes |
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|
|
Phone | |
| 03/10/2015 | Yes |
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|
|
Web | |
| 03/03/2015 | Yes |
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|
Web | |
| 01/20/2015 | Yes |
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|
Web | |
| 11/07/2014 | Yes |
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|
|
Web | |
| 09/03/2014 | Yes |
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|
|
Postal mail | |
| 05/27/2014 | Yes |
|
|
|
Web | |
| 03/25/2014 | Yes |
|
|
|
Web | |
| 03/18/2014 | Yes |
|
|
|
Referral | |
| 02/07/2014 | Yes |
|
|
|
Web | |
| 01/17/2014 | Yes |
|
|
|
Referral | |
| 12/30/2013 | Yes |
|
|
|
Web | |
| 10/15/2013 | Yes |
|
|
|
Web | |
| 08/14/2013 | Yes |
|
|
|
Phone | Servicemember |
| 07/14/2013 | Yes |
|
|
|
Web | |
| 07/13/2013 | Yes |
|
|
|
Referral | |
| 05/30/2013 | Yes |
|
|
|
Web | |
| 05/01/2013 | Yes |
|
|
|
Web | |
| 04/29/2013 | Yes |
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|
|
Web | |
| 03/07/2013 | Yes |
|
|
|
Phone | Older American |
| 10/24/2012 | Yes |
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|
|
Web | |