Aspen Yo LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/18/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 303XX	Web
RE : Complaint against Gregory Funding, mortgage loan servicer We are submitting this narrative explanation in attempt to resolve the multiple problems and errors we have encountered as our home mortgage loan has been transferred multiple times during the past 6 months. Our original mortgage loan was owned and serviced by XXXX XXXX XXXX. Starting in early XXXX, we began experiencing a decrease in income due to several factors effecting XXXX business ( we are both small business owners of our own businesses ). We had difficulties paying our mortgage intermittently, and at the same time, our monthly mortgage payment was raised by XXXX due to requirements of us purchasing flood insurance. XXXX income started to stabilize this year and we thought we could get caught up with XXXX XXXX right at the time that they began foreclosure on our loan. We immediately applied for home preservation assistance with them, completing an application through their online application portal. We received written notice from them that we had been approved for a home loan modification, in which they would take the amount of unpaid payments and attach them onto the term of our current loan, extending the length of the loan. Part of the agreement was that we would make three months of elevated payments during a trial period, at the conclusion of which our loan would be modified. After we had made our second payment of the three, we received notification that our loan had been sold but they would still be the servicer. Then we received notice that our loan would be transferred to a different loan servicer, but that all agreements of our current loan would be honored. We were very concerned that our loan was being transferred without the modification agreement completed, however we felt we had no choice but to trust that the system would work. Our loan was transferred to XXXX XXXX XXXX XXXX in XXXX. We made multiple calls asking about the completion of our loan modification. XXXX told us to continue making the elevated payment and that our loan documents were in their underwriters department getting reviewed before loan modification. We made the third of our three month trial period payment to XXXX, and then we made a fourth elevated payment to them as they said they were still reviewing our loan documents. They sent us multiple batches of conflicting documents, including who our personal loan contact would be, multiple copies of applications for home assistance, etc. Then, the end of XXXX we received notification that our loan was being transferred again, to Gregory Funding. We were extremely frustrated that we still had no resolution to our loan modification agreement that we had entered in to with XXXX back in XXXX. We went through the same process with Gregory Funding, multiple calls with no one being able to tell us what the status of the loan modification was, what our monthly loan payment should be, what our escrow account balance was, and most importantly, where all of our monthly payments were going or how they were being applied to our loan. Gregory Funding told us multiple times to withhold payment until they completed reviewing all of our documents, so we did not pay them in XXXX. We received a statement of total debt from them that we feel contains multiple errors and we sent them a written dispute regarding the errors as follows : 1. They show us as having made no monthly payments from XXXX through XXXX. We did not make a mortgage payment in XXXX because we were in the process of applying for home preservation assistance with XXXX and they told us to wait and make the first of the three trial period payments in XXXX. We have made elevated monthly payments during XXXX, XXXX, XXXX, XXXX and XXXX, for XXXX payment. 2. There are charges for interest listed on the statement from Gregory Funding that have no explanation. 3. There is no itemized accounting of our escrow account, which should contain approximately {$2500.00} for our property taxes which are due in XXXX. GF called us the beginning of XXXX demanding our late payment. We explained to the representative who called us that we had called multiple times asking what amount we should pay and were told repeatedly to not make a payment yet. The representative looked through their system notes and found the notes from our prior calls. He then said that we needed to make one more elevated payment to be able to complete the loan modification. So we went ahead and made the late XXXX payment to them. Gregory Funding has not attempted to complete our loan modification, per our agreement with our original loan owner and servicer. They seem to have no information about the monthly payments we have made, they have provided no explanation of how they determined any interest amounts, and have provided no explanation of our escrow account balance. They were not able to give us any loan information for weeks after our loan was transferred to them and they gave us conflicting information, e.g., when they advised us to withhold payment, they turned around and told us our payment was late. We feel that we have been mistreated through this process of being strung along, servicer by servicer, without anyone being accountable to the agreement we had made with XXXX to modify our home loan by taking the past due amounts and adding them onto the end of our loan. According to our records, we were charged by XXXX in XXXX for a full year of flood insurance, in a corporate account, which caused our monthly mortgage payment to be elevated by appx $ 300.00/ month. We do not know if we were credited back the unused portion of that term when we bought our own flood insurance in XXXX, or if that policy transferred with the transfer of our loan. Furthermore, It is not our responsibility to have to keep account of our loan interest, escrow balance, and total amount due as our loan has been transferred repeatedly. It is the responsibility of our loan servicer to provide us with accurate information, and to keep track of this information as it is passed between servicers, and we feel that this has not happened. Timeline of Mortgage Lender Problems XX/XX/XXXX through XX/XX/XXXX : XXXX and XXXX unable to make consistent mortgage payments to XXXX ; some months unable to make any payments, some months one or 1.5 times regular payment were made. {$1200.00} is the normal mortgage payment amount, however XXXX had increased the monthly payment to {$1600.00}, stating {$360.00} per month needed for escrow account to cover lender-purchased property flood insurance. This contributed to inability to make monthly mortgage payment consistently. XX/XX/XXXX : XXXX and XXXX received notice from XXXX that mortgage loan was in foreclosure due to number of missed and/or late payments. XXXX and XXXX called XXXX and requested assistance for help to avoid foreclosure. As per instructions, completed application for home preservation assistance including attaching XXXX personal tax returns, individual business profit and loss statements, and written narrative explaining the financial difficulties contributing to temporary inability to pay mortgage consistently. XXXX explained that the request for help would stop progression of the foreclosure process. Received email contact from XXXX home preservation specialists with link to XXXX home preservation web portal. XXXX and XXXX submitted initial application for loan modification within XXXX portal. XX/XX/XXXX : Received letter from XXXX stating XXXX and XXXX were approved for mortgage assistance, with agreement of three trial period monthly payments in amount of {$1900.00}, with due dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX called XXXX to accept offer for mortgage assistance program, with confirmation number given as : XXXX. XX/XX/XXXX : Received letter from XXXX stating as of XX/XX/XXXX our application was complete. XX/XX/XXXX : XXXX made 1st trial period payment of {$1900.00} by phone to XXXX. XX/XX/XXXX : XXXX and XXXX loaded additional requested loan modification documents into XXXX home assistance user portal, completing all lendee requirements for documentation. Remaining requirements stated to complete loan modification were completing the three months of elevated mortgage payments. XX/XX/XXXX : XXXX and XXXX receive written notice from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX that they are the new owner of mortgage loan, and that XXXX continues to be loan servicer. XX/XX/XXXX : XXXX and XXXX make second trial period payment to XXXX by phone. XX/XX/XXXX : XXXX and XXXX receive notice from XXXX that mortgage loan is being sold/transferred to XXXX XXXX XXXX XXXX effective XX/XX/XXXX, and that all terms of loan agreement will be honored by XXXX. XX/XX/XXXX : XXXX and XXXX receive initial paper from XXXX with application for home preservation assistance. XXXX and XXXX called XXXX and were told that loan documents were not loaded into their system yet and to call back in 7-10 days. XX/XX/XXXX : XXXX letter received from Loss Mitigation Dept. outlining options to keep home. Personal contact identified as XXXX XXXX. XX/XX/XXXX : XXXX letter received stating mortgage loan was delinquent and included application for home preservation. Received separate letter from XXXX requesting XXXX and XXXX to provide proof of flood insurance coverage, which was pre-paid through XX/XX/XXXX by XXXX. XX/XX/XXXX : XXXX and XXXX call XXXX and were told loan documents were still unavailable, but that XXXX would honor any agreements and terms of loan from prior servicer. XXXX also stated XXXX and XXXX did not need to complete a new home preservation assistance application because there was one already on file from XXXX. XXXX stated underwriters were reviewing the application and home loan modification documents from XXXX and the process of loan modification would be complete soon and that XXXX may choose to sell the loan or keep the loan. XX/XX/XXXX : Received statement of Loan Balance, Escrow and Other Debt from XXXX with Total Amount Owed : {$190000.00}, with current principle of {$170000.00} ; accrued interest without any date span of {$3900.00} ; and {$14000.00} other charges not itemized. Additionally on this date, a separate letter was received from XXXX outlining options for Home Retention Assistance, with application attached, and a personal contact identified as XXXX XXXX. This was the second mailing from XXXX of this document, and a different personal contact person than original notification from XXXX. XX/XX/XXXX : XXXX and XXXX called XXXX to inquire on status of loan modification and were told it was not yet complete. XXXX requested payment of third/final trial period payment per XXXX agreement. XXXX and XXXX made phone payment to XXXX in amount of {$1900.00}. XX/XX/XXXX : XXXX and XXXX called XXXX, spoke to XXXX. XXXX and XXXX inquired on status of loan modification and were told loan was in underwriting department and that regular loan payments should continue to be made monthly per current/ existing agreement from XXXX/prior servicer. XXXX and XXXX made phone payment to XXXX in amount of {$1900.00}, making this the 4th elevated loan payment since beginning home preservation process in XXXX with XXXX. Confirmation number for payment : XXXX. XXXX stated to expect follow-up phone call from XXXX in 7 days regarding completion of loan modification process. XX/XX/XXXX : Received notification from XXXX stating mortgage loan would be sold/transferred to Gregory Funding effective XX/XX/XXXX. XX/XX/XXXX : Received notification from XXXX stating mortgage loan would be sold/transferred to Gregory Funding effective XX/XX/XXXX. XX/XX/XXXX : Called GF, spoke to XXXX XXXX. Received new loan number of XXXX. XXXX stated no other loan information was available and to call back in 1 week. XX/XX/XXXX : Received notification from Gregory Funding GF as new loan servicer. Total Debt Owed shown on letter of {$180000.00} : including Principle Balance of {$170000.00} ; unpaid interest from XX/XX/XXXX to XX/XX/XXXX of {$4100.00} ; escrow advance balance of {$4600.00} ; Corporate Advance Balance of XXXX ; and Suspense of {$1900.00}. Letter stated if amount owed was of disputed validity, written notification must be received within 30 days. XX/XX/XXXX : Called GF to inquire on loan transfer status and expected amount and due date for XXXX payment, and to inquire about completion of loan modification. GF told XXXX and XXXX that loan documents were in process of being loaded and advised against making any payments until all loan documentation loading was completed in 1-2 weeks. XX/XX/XXXX : Received letter from GF Loss Mitigation Dept. notifying of servicer not having received one or more regularly scheduled loan payments and that they strongly encouraged application for assistance to remain in home. Application for home assistance program was included. Also on this date, received separate mortgage statement from GF showing amount due of {$26000.00}. This letter stated account was delinquent for unpaid monthly payments in amount of {$1600.00} for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, with additional next payment due XX/XX/XXXX of {$1600.00}. Explanation for amount due included a monthly principle and escrow payment of {$1600.00}, {$8900.00} Fees and Charges, and {$16.00}, XXXX Overdue Payment. NOTE : XXXX and XXXX have been paying elevated monthly mortgage amount of {$1900.00} since XXXX without any accounting of how these funds have been applied. This is a total of {$9700.00} which is unaccounted for. NO INTEREST should be accruing from unpaid monthly mortgage payments because all monthly payments have been made AT ELEVATED THREE-MONTH TRIAL PERIOD amount. XX/XX/XXXX : Received Annual Escrow Disclosure Statement letter from XXXX with a beginning escrow balance of XXXX, a XXXX deposit of XXXX, and a projected escrow balance shown as XXXX. XX/XX/XXXX : XXXX and XXXX mailed certified letter to GF disputing amounts owed including interest, unpaid monthly XX/XX/XXXX : Received letter from GF stating that dispute of amount owed was received and that a response would be made no later than 30 days from this date. XX/XX/XXXX : Called GF and spoke to XXXX who stated loan was under review and to withhold making any payment. XX/XX/XXXX : XXXX from GF called XXXX to request overdue XX/XX/XXXX payment. XXXX explained that per multiple prior calls from XXXX to GF, GF had advised us to not submit any additional payments until GF completed processing all documents. XXXX stated no new loan modification application was needed because loan modification documents were already on file. XX/XX/XXXX : XXXX called GF to make XX/XX/XXXX payment by phone. Paid monthly principle and interest {$1200.00}, plus additional {$700.00}, for total of {$1900.00}.
04/12/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WI 53105	Web
To whom it may concern : I am sending my complaint in regard to a long-lasting struggle to pay my mortgage that I had fallen behind on years ago, finally having to enter into a XXXX XXXX to prevent foreclosure but and be " allowed '' to finally pay my mortgage despite me completing hardship and mediation paperwork numerous times, literally begging to start making monthly mortgage payments. In XXXX I retained an Attorney to help with XXXX. XXXX process. After going round months and months it was apparent this attorney did nothing, literally nothing, not even respond to motions, however, I had no clue at the time, just how much " nothing '' he did or did not do I should say. But he did take my money, nearly XXXX and I still nearly lost my house. I retained another Attorney, and within an hour, was able to establish a plan with the courts, trustee and mortgage carrier that worked for all, having me make $ XXXX monthly payments towards my arrears, to the trustee and make my monthly mortgage payments to whatever mortgage ( debt ) servicer ( there were XXXX ) for the duration of my XXXX XXXX, which was 5 years. I will mention, I did originally contest the amount of arrears the mortgage carrier was claiming, as it appeared they were claiming they paid taxes and homeowners insurance which were things I had paid. My original Attorney stated he was not going to challenge a professional accountant with my claims... .ok then! I had enough on my plate at that time, so figured I'd set that aside and focus on saving my house first. Side note, I have spent nearly XXXX on attorneys to save my house from foreclosure From the beginning of the XXXX. XXXX, it was a nightmare, from not receiving mortgage statements and when I did, the monthly amount I owed was always different, from the total amount due, to my monthly amount due. There was also never a mention of a suspense fund, no breakdown of where my payments were going and tons and tons of excessive charges, late fees, appraisals, inspections etc., however I was never notified of said inspections, nor did I see anyone inspecting my property! Just added fees and charges. Some charges were XXXX and up and have no clue what for and never received a response when I asked ... when you're behind on your mortgage, you are trash and treated as so, despite making {$4200.00} or more worth of payments each month between arrears and current. There were also instances of " reversals '' or " adjustments '' that accrued late fee 's despite my payments being made on time, but late due to their reversals or adjustments. As I mentioned above, I was continued to be charged for taxes during years I paid them as well as being charged for Home owners after I had already paid. I had sent proof of payments for XXXX. numerous times and numerous ways, email, mail and fax, my insurance agent did the same, yet they continued to take this money from my escrow. They finally did catch on, sending a notice they were canceling the XXXX. they provided, yet no reimbursement to me! In XX/XX/XXXX, I received a notice stating I hadn't paid my mortgage since XXXX of XXXX and my house was set for sheriffs auction XX/XX/XXXX unless they received a payment of {$75000.00} before then. Considering I had been making monthly mortgage payments, often for more than actual as I never knew what the payment was, trying to pay above and beyond what the last statement I received reflected, also making $ XXXX payments to my trustee for arrears, I was more than confused! I contacted my attorney, also emailing, faxing and overnight the servicer copies of every check, sent and cashed/deposited by the servicer, proving payments were made. Their response was, due to my original attorneys lack of giving a care, he did not respond to whatever motion back in XXXX, which stated if he didn't, I owe such and such amount or they could take my house at that time. For whatever reason, that fell through the cracks, despite my case being in and out of court, having a Judge, both sets of attorneys and a trustee all reviewing and signing off on for over 3 years, now it's XXXX, we missed this so the plan you've been following and agreed upon, IN A COURT OF LAW, is MOOT and we could have taken your house back in XXXX, and decided to do so now, despite you following every step and payment, doing so on time. How is this legal? How can they accept all my payments and take my house? If I were never in this plan, as they now state, do I get my attorney fee 's reimbursed, the very least the fee 's I had to pay for their attorneys? Also, their notice states the total I should have paid from XXXX is {$75000.00} where my payments show I paid {$80000.00}, which does not include what I paid to trustee for arrears. So I make payments for above and beyond what they expected for current mortgage and paid nearly XXXX into my arrears, they can take all that and still take my house? Threatening to take my house unless I make an additional {$75000.00} payment? Great system we have. Despite me calling and sending proof of my payments, requesting a review of my mortgage history, a qualified written request, including a breakdown of my payments, but specifically, where my {$80000.00} worth of payments made since XXXX have gone and the only response I receive speaks on my original attorney 's error in XXXX, that they could have/should have foreclosed then and that they are doing do now. I'm well aware of the error, this does not negate the fact that I have been making {$80000.00} worth of payments error or not and want to know where this money is??? To add, before I could send my complaint off this afternoon, after checking my mail, I received a notice of intent to foreclose! Stating they have not received any mortgage payments from me since the beginning of the year. As I've already mentioned, I have not received a monthly mortgage statement since before XXXX of XXXX. Despite this fact, I have continued to make monthly mortgage payments in the amount I have been for {$1700.00} as I have no clue what or if my payment has changed, yet it seem 's, once again, that they have no documentation of this, despite them cashing/depositing my payments sent. So I am adding this to my complaint as well. I would like a qualified review of my mortgage/loan from it's beginning, including breakdowns as to where all my payments have gone, but specifically, the {$80000.00} from XXXX, the additional {$75000.00} XXXX paid on XX/XX/XXXX, the amount of arrears paid in from XXXX, which is over XXXX and the recent {$7100.00} I have paid since XX/XX/XXXX. I would like all money I have overpaid to be reimbursed to me immediately, including late fee 's, attorney fee 's and every fee accrued due to inadequate accounting on the servicer 's end. I would like money that the servicer took for taxes the years I paid them as well as the month 's they took for home owners when I had in fact paid to be reimbursed immediately. I would like accurate, monthly statements that arrive in a timely manner that also reflect a breakdown of where my payments are going towards. Thank you XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXGregory Funding XXXX-current Loan # XXXXXXXX XXXX
07/20/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	TN 37212	Web
This is in response to Gregory Fundings response to my complaint # XXXX-XXXX. I received a letter from Gregory Funding dated XX/XX/XXXX. I appreciate their quick response but nothing in their response letter was correct. Page one, paragraph 2 states that per the terms of my loan I must maintain my own hazard insurance. This is true to the fact that I must have my taxes and hazard insurance impounded, thus it is to be part of my payment monthly. Not that I am responsible for paying the yearly premium. I pay monthly to the servicer and it is the servicers responsibility to pay the premium. All HAMP modified loans require taxes and Insurance be impounded per our Modification agreement that became effective XX/XX/XXXX ( see exhibit D attached ). This is for the entire term of the loan! GSE as well as Non-GSE servicers have no right to discontinue collecting and paying insurance premiums. This can also be confirmed by calling the making home affordable hotline at ( XXXX ) XXXX and by reading Handbook for servicers of non-GSE mortgages version 4.1, page 124 and page 50 of the Handbook for Servicers, as well as page 22 under Transfers of Servicing and page 23 Relationship Manager. It should also be included in the Servicers Participation Agreement and If Gregory Funding doesn't have such an agreement with the prior Servicer, they do not have any right Servicing my kind of loan. Page 1, paragragh 4 states that both the XXXX escrow analysis as well as the XXXX escrow analysis project no disbursements for hazard insurance, so even if I did not receive the XXXX letter informing me that Gregory Funding would no longer disburse for insurance, I should have been able to figure it out by reading the analysis ( I did not ever receive anything informing me that Gregory funding would no longer be paying my insurance premium ) nor did I ever receive any analysis until they sent me one with the response to my complaint. Never the less, at the same time Gregory funding did send me a Escrow Payment History stating that on XX/XX/XXXX XXXX was paid to XXXX XXXX ( which is my hazard insurance company ) ( see exhibit E attached ) Page 1, paragraph 5 it states that I sent Gregory Funding required proof of Insurance in the normal course of time and that their records reflect that I currently have coverage from XX/XX/XXXX to XX/XX/XXXX. This was in the response letter to me dated XX/XX/XXXX ( see exhibit B attached ). But the day before I received Gregory Fundings response letter dated XX/XX/XXXX, I received a letter from Gregory Funding dated XX/XX/XXXX stating that their records show that my hazard Insurance policy had been cancelled and they do not have evidence of me having hazard Insurance ( see exhibit A attached ). So I am confused .... I have never sent Gregory Funding anything from my hazard insurance carrier, which is XXXX XXXX. This clearly proves that mistakes do happen on the Servicers end. This is a serious error, what if my house caught on fire and burned down and I have no insurance coverage? Does the servicer have a large enough bond to cover the lender and I for our loss because they decided to not pay my Insurance premium as agreed? Page 1, paragraph 6 states that assuming my neighbors car was injured by my tree XX/XX/XXXX, I should be able to place my claim with my insurance company because I gave Gregory Funding a notice that I had insurance coverage. This is 100 % untrue, I NEVER GAVE GREGORY FUNDING ANYTHING SAYING I HAD HAZARD INSURANCE IN EFFECT AND BECAUSE GREGORY FUNDING FAILED TO PAY MY INSURANCE PREMIUM, XXXX XXXX WILL NOT COVER MY NEIGHBORS CAR REPAIRS. I think it is obvious that this if not my fault, but rather Gregory Fundings fault and they should be responsible to pay for my neighbors car to be repaired! Page 2, paragraph 1 If states that non-GSE servicers maintain the normal right to escrow and de-escrow insurance premiums. It also states there is no agreement in my loan records providing that I can have any surplus of funds that might be in my escrow account. So does this mean Gregory funding gets to keep any extra money I might have paid towards my taxes and insurance? And is that why the first year I had the trial payment period and the modification became in effect.. I over paid the sum of {$2600.00} and that money was never refunded to me nor was it credited towards my mortgage payment as I had requested? ( see exhibit F attached ). That is very interesting, and deceptive in nature. How can that possibly be lawful? My trial period started XX/XX/XXXX, my modification became effective XX/XX/XXXX from XX/XX/XXXX through XX/XX/XXXX the servicer collected XXXX every month for impounds for my taxes and insurance, when they should have only been collecting XXXX. The breakdown being {$370.00} for taxes and XXXX for insurance ( taxes were XXXX a year and insurance was only XXXX a year ). So I had a surplus of XXXX. What happened to that money? Page 2 paragragh 3, this is nothing short of insulting! It states that I was frequently over 30 days late with my payments. I was in fact NEVER been 30 days late, the problem wasn't on my end. I spoke to the servicer, XXXX XXXX and I also wrote them a letter requesting that they credit the overage in my escrow account towards my next months payment ( see exhibit F attached ) they told me they would do so. Obviously they didn't do this and this caused me to be 30 days late and it has been continuously 30 days behind ever since as well as I am being charged late fees due to this error on the servicers part. You did send me a customer account activity statement that I have questions about. ( see exhibit G attached ) it states that on XX/XX/XXXX there was a hazard insurance refund of XXXX, on XX/XX/XXXX a principal curtailment of XXXX and XX/XX/XXXX disbursement to mortgagor {$1200.00}. It is my understanding that I am the mortgagor and I never received any money from anyone in regards to my mortgage, if you are saying I did, then it shouldn't be too difficult to provide me with a copy of a canceled check. I NEVER RECEIVED ANY AMOUNT OF FUNDS FROM ANYONE REGARDING MY LOAN.
03/20/2023	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	GA 30024	Web
Dear Sir or Madam, We all try to forget the past difficulties with new hopes and expectations in the new year. So I think the XXXX XXXX is a time of innocence that lets us all shine. But for me, the XXXX XXXX both last year and this year, replaces such hope with despair. Instead of pure shining moments, they are filled with darkness. Last year, which started with XXXX, suffered from shortness of breath and fever Since XXXX, my wife 's diagnosis of XXXX XXXX has plunged me into absolute despair. I hoped that the new year 2023 would be different, but this morning it is deeper than last year Despair is breaking me down. This despair is an indescribable despair. Even though XXXX and my wife 's XXXX XXXX made my mortgage payment I started making payments again and in the process there was a communication problem with the mortgage company. Bank auto pay stopped and my house was in a foreclosure situation. It's irony indeed that the mortgage company that put me in despair gave me hope. Thanks to the mortgage company introducing me to the government subsidy program, I met with a HUD local agent for consultation. They ( XXXX ) very kindly introduced government programs and explained the limitations of benefits like LOAN AMOUNT.I submitted all the required documents to my agent and he looked to see if the HAF program was right for me. After some feedback, he decided that I was a good fit for the program and he enrolled me directly in the HAF. Since this registration, I have been communicating with HAF, not XXXX. So, first with XXXX, now with HAF program agents. Communicated with LXXXX XXXX XXXX at this stage. Above all, he kindly explained why these documents were needed and how to fill them out. This process is a great comfort and hope for those of us who do not know the inside story of the HAF program. And now I get to communicate with another agent, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX, went through my papers again and supplemented the files he felt were lacking on his part, but The agent here also looked at the lack of documents in my documents and submitted more documents than before. Then, with the new practitioner, I submitted feedback, explanations, and one or two documents again. I have so far all three steps, XXXX, HAF, and the last XXXX XXXX, have not said that there is a problem with the loan amount, and even Gregory Funding, who recommended this program to me, was the first to recommend that I could benefit from it. During this process, all kinds of spam calls and e-mails related to the foreclosure made not only me but the whole family depressed. Nevertheless, I have not neglected communication with my mortgage company, HAF, and most recently I was told that HAF asked for information about my account from GREGORY and delivered all the documents. The mortgage company employee I spoke with also wished me luck, saying that everything seemed to be going smoothly. And this morning I got a denial notice over the phone. The reason I was so shocked was because of Denial. It's LOAN AMOUNT. This is what the agent also confirmed in the first step, and if this is a problem, from the beginning, GREGORY FUNDING, XXXX XXXX for XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX for HAF, XXXX XXXX XXXX XXXX The whole thing is a problem, and everyone is a problem, from the Georgia government XXXX the federal government that gave this fund. In particular, HAF, which goes by the name of support, seems to be at the center of the problem. It's like leaving all misunderstandings and misreadings about this program to the relevant organizations. This problem is not simply a matter of that individual, but the value of the existence of an institution called HAF and the state government And I think we should seriously question the federal government. How many people, including me, have been affected by some lax business progress that has not yet been identified. It is only known to the outside world when a commotion arises that it is driving us into despair. It is the experience of reality and our history that can grasp the problem a little objectively. First of all, I can only do this for the 30-day reexamination request you suggested. If the documents are insufficient or if the documents are fake or Denial, I will hold myself accountable. My denial notice is solely for this program and all persons associated with this program. It makes you incompetent and shameless. You should have said that I had nothing to do with this program from the beginning. Gregory Funding, XXXX XXXX for XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX for HAF, and XXXX XXXX XXXX, XXXX XXXX Everyone who took the time to be kind to me didn't know the basics I ended up being an incompetent person who only wasted a lot of time and government tax money. Please think about it once more so that my case is not publicized. Thank you for reading. God Bless You all. XXXX XXXX Original Mortgage Balance : {$700000.00} Purchase DateXXXX Mortgage Account XXXX Current Mortgage Balance : {$630000.00} Current Monthly Mortgage Payment : {$3100.00} Current Mortgage Interest Rate:4.75 Is this loan in default? : Yes Have you received a foreclosure notice? : Yes Scheduled Foreclosure XXXX Has a sale date been scheduled? : Yes Scheduled Sale XXXX Has your loan been in forbearance? : Yes Number of payments due in forbearance? :10 Was a FHA HUD claim filed due to pandemic delinquency? : No Are you in the process of a loan modification? : No Do you have any HOA or Condo fees? : No How many times has your mortgage been previously refinanced or modified? XXXX Have you been offered/obtained/accepted a loan modification within the past 12 months? : No Lien Position : First
06/27/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	TN 37212	Web
On XX/XX/XXXX a tree from my yard fell over and crushed the neighbors car, estimated repairs are XXXX. I read my homeowners policy and it states this kind of accident is covered by my Insurance. I called my insurance company to place a claim, gave them my policy number and was told that my policy was cancelled in XX/XX/XXXX for non payment. I told them it must be a mistake because my insurance is impounded so the lender was responsible to pay the premium that was due XX/XX/XXXX. I immediately spoke to a gal named XXXX at Gregory Funding, my loan servicing company. I asked her if they had paid my Insurance premium to XXXX XXXX In XXXX. She told me No, they had a new company policy that went into effect in XXXX, they were no longer going to be paying individuals Homeowners Insurance premiums. I was completely shocked. I asked her why I was never notified? How can a servicing company change the original terms of my loan just because they don't want to do something anymore? How come if my taxes are XXXX a year, which would be only XXXX a month, were they collecting XXXX for impounds every month? And why did they send me a letter a few months ago that stated XXXX XXXXTax payment {$5500.00} and XXXXHazard - Liberty Mutual {$1700.00}? And ... .any reasonable person would assume if I didn't have any XXXX XXXX in place, the lender would be calling me or placing forced insurance on me because they have just as much, in fact more to lose than I do if something happened, house caught on fire.. anything. In doing so, I would have at least had some knowledge that I haven't been insured and I would have gotten insurance. And now that I find out I wasn't covered and no insurance company is going to cover the cost of my neighbors repairs, They are going to expect me to come up with the money to repair their car and since I don't have it, they will of course sue me and I will have to pay their attorneys fees also ... AND THIS ISN'T MY FAULT! Her response was that they mailed me a letter in XX/XX/XXXX informing me that it was their new company policy to no longer pay Insurance premiums. I told her I never received any notification of any kind regarding my Insurance was not going to be paid. She said.. well it says right here that we sent you one. I said to her.. something as important as Hazard insurance and you just popped me a letter in the mail, it wasn't federal expressed, certified requiring a signature so You would know I received it, just sent regular mail? And she said Yes, regular mail. I asked her to send me a copy of the letter.. its been over a week and I still don't have a copy of the letter they claimed to of sent me! I also asked her what happened to the overage in my escrow impound account from the first year I obtained this modification loan. They impounded for a insurance premium of XXXX but the premium was only XXXX. The servicing company at the time, XXXX XXXX said they would refund me {$1800.00} ( which I think it should have been {$2000.00} ) rather than send me a check I requested they apply it to my next months mortgage payment. The following month my loan servicing was switched to XXXX XXXX. When I notice they were showing my account 30 days late I contact them and they said they would check into it and get back with me. I still have never received a check, a call, a credit.. nothing in regards to that money still owed me! Gregory Funding 's response was .... I would need to take it up with the servicer before them! The impound analysis is all they can go by. I said.. its easy enough to prove.. see how much XXXX XXXX impounded for my taxes and Insurance the first year, see how much they paid out ... its easy to figure there was a substantial overage left. If the servicer claims they refunded that money already, then provide a copy of the cancelled check ... which they can't do because a check was never issued or cashed. Was my payment credited : NO. SO WHERE IS THAT MONEY? Forget what the analysis says.. JUST DO THE MATH. This has been a ongoing frustration for me and every month I accrue more late chargers all stemming from money owed to me! It has always been my understanding, that when the servicing of your loan changes to another servicer, nothing should change for the borrower other than where and to whom they pay their mortgage payment .... this clearly is not true! I then contacted The Making Home Affordable hotline and asked them on my particular kind of HAMP gov. loan ( the 2 % adjustable one ) was having my taxes and insurance impounded every month a requirement for the entire term of the loan and he said YES! With this knowledge and all the other reasons stated above, any reasonable person would be safe in assuming they had Hazard Insurance in place! Please help me! I am completely panicking ... should I contact my attorney? Contact the XXXX XXXX XXXX? Contact XXXX XXXX XXXX who is the actual lender on my loan?, The US Department of housing or could you tell me who can help me regarding the Dodd-Frank Act. or maybe I should contact XXXX XXXX XXXX team? I don't know who to call or whose dept. this falls under .... But I do know, this is so wrong and I can only imagine how many people out there have been screwed over when their servicing changes and there is nothing they can do about it! Any help you can give me, would be greatly appreciated!
04/09/2021	Yes	Debt collection Mortgage debt	Communication tactics Frequent or repeated calls	PA 15146	Web	Older American
Starting in XX/XX/XXXX, my complaint began with XXXX XXXX, a debt collection agency, who reassigned my mortgage to Gregory Funding also a debt collection agency. Gregory Funding did not contact me to let me know that they were officially my mortgage servicer and did not send me any correspondence for acknowledgement or agreement to send any payments to them. All I received was notification of their intent to collect these payments. At no time did they identify themselves. I was receiving a P.O.Box from them in XXXX, Oregon to send the payments to. I began sending in the same payments that I had been sending to XXXX XXXX. Shortly there after, I received notice that they had not received my payments. I called them on the phone and was transferred to an automated system which asked me for codes and agents names. I did not have any of these and therefore, the call went unanswered. They later called me and once again they stated that they had not received payments and that they were looking into other options. When I suggested sending further payment by registered mail, they stated that things would go faster if I gave them my bank account. I said,, " H '' no! I need a physical address to send my payments to.. They told me to keep sending it to the P.O. Box. I was not comfortable in sending it to a P.O.Box and asked them to give me an actual address to where I was calling. They seemed resistant. They eventually gave me an address in XXXX, Oregon which I began sending the payments by registered mail. I began getting calls from Gregory Funding. They wanted information about my income so that they could do a loan modification and they wanted it faxed. The next day, I called to see if they had received it? That's when they said they had not received the fax and had no record of anyone in that office who had talked with me. A woman called from Gregory Funding and said they had received part of a fax, but could I resend it? The next day, I called to see if they had received it? They said, no. An argument insued. And the call ended. A week later, I again received a call from Gregory Funding. I explained my displeasure and I asked why they had not received the faxes and why they said that no one in the office had talked with me? This is when the woman said that I may be calling the wrong office. She gave me a physical address which is on XXXX, Oregon. Because of the confusion and loss of time the loan modification did not go through successfully. I became frustrated, perplexed, and angry because of the lack of communication. After receiving statements from XXXX XXXX XXXX, we discovered the principal debt on the home was slightly over {$10000.00}. But the total indebtedness was {$23000.00}. This is because at some point the property taxes were not paid. We then received notice that foreclosure was a possibility for non payment of property taxes. We then contacted the tax agencies and made arrangements to catch up and bring the back taxes current. But before we did, the mortgage servicer stepped in, paid all of the back taxes, and added that total to the mortgage. In the meantime, the home needed maintenance and repairs. Because there was no viable credit, we had to pay for all work out of pocket XXXX ie ) roof repair, replacement of doors and locks, repair/ replacement of sewer line, furnace work, and replacement of hot water tank plus plumbing work. We are now receiving notice of legal action from Greory Funding. We filed for bankruptcy but the bankruptcy payments were too high and we fell behind in utility payments. We opted out of bankruptcy. Gregory Funding agreed to accept a lower payment. We sent them {$400.00} a month. This continued until XX/XX/XXXX. They then contacted us with a recalculated payment plan of {$420.00}. We told them not to pay the taxes because we would do it. They were not happy. To conclude we received an Act 91 Notice and a letter to accelerate and foreclose. The agencies listed in the Act 91are suppose to be helping resolve this issue. The issues being, who are you? Agency identify yourself, where are you? Agency give a valid address, and under what authority do you have to collect money? Where is the contract or service agreement? Where are the receipts for my payments? ( ie ) the only statement I have received is showing the {$420.00} that I send you. Of that, only {$19.00} is being paid towards the principal. I also discovered that I was entitled to rebates and discounts on my taxes. I had never heard of this before and I'm asking where did the rebates and discounts go if I did not receive them? I called the tax office and they explained to me that information about the reception of payments and transactions of notices is sent to the payer of the taxes who at that time was the mortgage servicer. They were suppose to notify me of any transaction about the taxes, but they did not. That is why the taxes are behind ; however, now that I am paying taxes on my own, theXX/XX/XXXX taxes are paid. XX/XX/XXXX are under payment agreement. I will be working on the current taxes. Also, I am still sending them $ XXXX month.
05/12/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33313	Web
Per Gregory Funding loss mitigation package ( tracking number XXXX ) delivered to your institution ( see screen shots # 1 & 2 ), kindly review the error of placing the wrong complaint number on the priority mail envelope sent for your perusal. I respectfully request those recently received documents of 118 pages plus the cover page enclosed ( saved name as, " Gregory Funding Foreclosure Prevention ... '' ), be submitted as supporting documents for this complaint please. Thank you! The two page attachment ( with XX/XX/XXXX amendments ) shows all the documents submitted to Gregory funding per delivery confirmation of tracking number XXXX delivered to the address listed ( Screen Shot # 3 ) on the Gregory Funding loss mitigation application as XXXX XXXX, TX XXXX and your facility. The XXXX amendments were not included in the packet sent to your institution unfortunately, as that was sent prior to the one sent to Gregory Funding. I seek to also provide your company further supporting documents that show the completed loss mitigation file of XXXX per telephone conversation and requests from XXXX XXXX, Customer Service and Loss Mitigation Director in XXXX. For some strange reason, I did not receive written response to any of these concerns or company cooperation in researching and adequately responding to my concerns per response to the XXXX rejecting their XXXX response ( see letter dated XX/XX/XXXX ). I request your assistance in soliciting a response please. Gregory Funding letters dated XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX XXXX ( XXXX XXXX related letter dated XX/XX/XXXX to include copies of my two reports to the XXXX, will show that I timely submitted and followed up on those requested documents for research by Gregory Funding. When observing the timeline and response from the company per letter dated XX/XX/XXXX and letter dated XX/XX/XXXX, Gregory Funding 's loss mitigation department remained non-responsive during that time I diligent prove to show all the faxed documents that went ignored. It is with respect to the 30 day timeline this company was expected to return written response to my concerns, I seek to focus this request for research and response from the company. When viewing the letter dated XX/XX/XXXX, you will notice that my detailed concerns directed through the XXXX complaint were not addressed. Till this day, I still await thorough research per these complaints of the whereabouts of these faxed, mailed communications, request for clarification on the foreclosure prevention attorney fees that surmounted to over {$12000.00} for which no invoices re : legal services has been provided to the mortgage holder. See letter attached. I called and spoke with three Gregory Funding representatives last week in efforts of trying again to receive assistance on this loss mitigation and alert them of the 3rd party authorization form faxed with permission for XXXX XXXX of XXXX and XXXX XXXX, CPA accountant readily available to send additional documents. He too has complained ( XX/XX/XXXX ) along with XXXX XXXX of XXXX XXXX of XXXX XXXX that the delays ( XXXX through XX/XX/XXXX ) and challenges faced receiving timely responses from Gregory Funding and their representatives is contra the norm. Spending over an hour daily results in a loss of income to me as mortgage holder. The three representatives identified as XXXX, XXXX ( XXXX ), the supervisor, and XXXX XXXX XXXX manager were also vague and lacking assistance regarding loss mitigation, acknowledgement of these concerns and prompt problem resolution. I asked XXXX to confirm the formal complaints sent, she stated that she could not see any except the previous one of your company and keeps requesting that the already faxed documents be sent again. This is an unacceptable business practice. After waiting an hour and 25 minutes today, I was able to report to XXXX, agent XXXX the signed receipt by XXXX XXXX at Gregory Funding, XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. The call lasted two hours and 14 minutes. Please know that all letters written by mortgage holder per attached that requires signature will be sent in the mail today. I thank your company delegates for being part of this effort in helping derive answers so to save my home and form a closer partnership with this company regarding my mortgage and standard documents and education missing in this financial management process. In the subsequent packet that will be sent today to support this loss mitigation, foreclosure prevention complaint of missing documents, no acknowledgment of paperwork, I seek to gain assistance with why the company has successfully been able to ignored the compliance of documents sent without initiating research of said documents and valid response/acknowledgment till this day. Thanks again.
05/23/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 23513	Web	Servicemember
XXXX : I still have not paid my mortgage this month. It has nothing to do with money. I am to stressed out since Im forced to call these people again. Every phonecall is at least 40 minutes of verbal abuse. Why would I want to call? But I have to or theyll start lying again on my file. I simply do not want to call these people. They are evil. Apparently no one even cares about the 600 hours of recordings I have. Complaint. All Mortage lenders on account refuse to start direct monthly deposit 12 times since XXXX to present. Saying 1 ) " Says in your file You are a problem person ''. How so? Wouldnt starting a direct deposit be more beneficial to the company since they know theyll alwaays recieve payment? ( Have recordings backing up the statement since theyve stated Im a problem person at least 30 times. ) Thats why I can say " They are trying to default my loan on purpose by making payment methods as difficult as humanely possible. '' I received no chance to rebuttal claim of any and all false information with-in my file or credit report in regards to defaming my name and character. 2 ) '' Everyone has to pay by check this is a mortgage wide policy. " I am retired XXXX XXXX XXXX XXXX veteran and I make more then enough money to pay my mortgage 3 times over. I do not wish to call these people ever again. Cant take them to court yet cause I wil not fill out the proper documents and lose just from that and my recordings will never be heard by the right personal for a proper punishment to be made against all money lenders who have been harrassing my household for years. I just found out about my rights with this website. SO now since Im not XXXX that knows how to protect themselves properly in real estate I get abused, harrassed and robbed of over 40 thousand dollars for them breaking that laws? They can just yell out Statue of Limitations and they go scott free? MOrtage employees made this situation. Have nothing else better to do but harrass people who should never have any credit issues. They say Im the one thats trash? ( Finally can have this documented properly for court purpose of trying to resolve this ) tyvm.
05/24/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30082	Web
Dear Sirs : I have asked/requested on four separate occasions that we are provided a loan payoff balance on our mortgage along with correct payment reporting. They have also failed to pay our our escrowed city taxes that were due in XX/XX/XXXX. These taxes were finally paid in XXXX of XXXX only after the XXXX of XXXX contacted us there would be a lien placed on our property. This Lender has been nothing but uncooperative and un-American to deal with. I have been a home owner for over 25 years with three home purchases and this experience and this treatment by Gregory Funding has been the worst disparate treatment I have ever seen and unfortunately experienced as a minority. The lack of response and treatment has been nothing short or bias against me and my family as XXXX XXXX. I have called and their representatives have been demeaning each and every time I call and consistently asking are you living in the home as if I we were having financial difficulties. Our mortgage has always been on time and never late until the payments were misdirected by XXXX XXXX who sold our mortgage to XXXX for two months then it was sold again to Gregory Funding. Our interest rate is not a competitive rate and they are very well aware of that and the reason we want a payoff amount and accurate payment history is solely for us to refinance with another lender at a far more competitive rate. They only claim to mail the items we request XXXX payoff balance, payment history ) itemized b/c they a have repeatedly claimed to have provided the info to us via mail or to 3rd party providers / or our prospective new lender. These tactics used by Gregory Funding against XXXX, XXXX and other XXXX has financially and emotionally impacted me and my family significantly. Gregory Funding has numerous complaints of this nature published against them with the XXXX XXXX XXXX. There practices of ignoring clients request, delaying tactics, lost of information request along with their lack of technology use is unacceptable as mortgage lender or servicer. They can not adequately serve as a mortgage lender or servicer when they only use U.S. email and fax but not current technology or email. To use U.S. mail for such time sensitive and critical documents and needed consumer information is just unthinkable in todays market of business and technology. This abruptness, rudeness, animosity and over all lack of care and dismissive attitude I have experienced with their representatives including XXXX XXXX XXXX XXXX has been something I would have never imagined from a organization that considers themselves a service oriented company. I could only feel as a minority that this was solely based on my ethnicity as a XXXX XXXX. Gregory Funding clearly feels its ok to treat XXXX and minorities this way without providing timely and accurate information to prevent them from leaving the grips of their fraudulent and predatory lending and loan servicing behaviors. Once again as a XXXX XXXX and minority me and my family have been severely harmed financially and emotionally by these practices forced upon us by Gregory Funding. The CFPB should act immediately to remove/terminate Gregory Funding as a licensed mortgage lender/servicer and they should be held accountable to make me and all other clients who they treated unfairly and have injured unfairly and mentally whole by rewarding immediate mortgage restitution along with updated and correct current payment reporting and balances. In closing how can a company continue to be federally licensed financial lending institution when they have missed making property tax payments from my escrow account for over 6 months, cancelled my escrow home owners insurance payment with out my knowledge or proper notification of the change and in timely manner most of all, then not providing a mortgage payoff that has been requested a minimum of four times. I have been severally injured based on bias treatment from Gregory Funding b/c I am XXXX XXXX and I would like for the CFPB to hold them accountable and liable for my personal, financial and emotional injuries immediately. Thank you,
03/23/2015	No	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33611	Web
This complaint was delayed due to a major car accident in XXXX XXXX. EVERY FACT referenced is attached, XXXX docs, XXXX to show the corruption of my loan. A full detailed descript is also attached for full clarification. On XXXX/XXXX/XXXX I purchased my XXXX horse property ; my loan was $ XXXX. In XXXX, my property valued $ XXXX, at foreclosure in XXXX, $ XXXX. It sold XXXX/XXXX/XXXX, $ XXXX. My home was never upside down ; Our $ XXXX pymt do-able. I got XXXX in XXXX for XXXX. We spent XXXX yrs in loan modification ; an approval in XXXX XXXX, but the bank lost the paperwork & denied us, back to square XXXX. My house was taken illegally on XXXX/XXXX/XXXX by XXXX XXXX XXXX, WHO DID NOT EVEN OWN THE NOTE. XXXX XXXX XXXX gave XXXX a " loss note affidavit '' to my property XXXX/XXXX/XXXX. XXXX foreclosed XXXX/XXXX/XXXX ; we NEVER had a chance to remedy our loan despite written requests ; we were a $ XXXX goldmine. From XXXX XXXX we were in courts to get back our house that was rightfully ours. On XXXX/XXXX/XXXX, XXXX 's attorney perjured himself in the XXXX XXXX XXXX court, under oath/recorded in the court transcript stating they COULD produce the note to my home when the judge asked. Based on that " LIE '', the judge granted them possession of our house. On XXXX/XXXX/XXXX XXXX filed a loss note affidavit wXXXX XXXX XXXX, XXXX. XXXX, & in our evidence the judge refused to view, on XXXX/XXXX/XXXX XXXX notarized a " loss note affidavit '' for the foreclosure & filed it in XXXX XXXX XXXX XXXX/XXXX/XXXX. An independent SECURITIZATION AUDIT on XXXX/XXXX/XXXX wrote, " DUE TO THE HISTORY OF THIS NOTE, WE BELIEVE NOTHING SHORT OF PRODUCING THE ORIG NOTE WILL SUFFICE TO ACCURATELY CLARIFY OWNERSHIP OF NOTE & PROPER LEGAL STANDING. WITHOUT XXXX HAVING PROPER OWNERSHIP OF DEBT, THE BANK CAN NOT INITIATE ANY COLLECTION ACTIVITY, LET ALONE FORECLOSURE ''. In summary, I had XXXX forbearance plans ( all pd in full ) - my loan mods always denied after. My loan was transferred 8 times, $ XXXX in payments $ XXXX ( XXXX/XXXX/XXXX ), $ XXXX ( XXXX XXXX XXXX & $ XXXX ( XXXX/XXXX/XXXX ) to bring my loan current w/ XXXXXXXX went " missing '' after loan transfers. My attys asked for copies of the orig note for 2 yrs ; we were told we were n't entitled to this info ; my loan transferred immediately = more " misc fees '' /lost loan mod papers/forbearance agreements. For 6 yrs we made pymts ( noted above ), sent endless credit reports, bank statements, insurance docs, etc. It was mentally & physically exhausting ; we avg 20+ hrs/week following up, re-explaining our situation/lost paperwork because lender reps were " transferred ''. In XXXX, we had $ XXXX equity in our home ; we could n't get a line of credit. XXXX XXXX applications = DENIED. My attys repeatedly requested QWRs - NO RESPONSE. XXXX XXXX, part of XXXX, was faxed a QWR on XXXX/XXXX/XXXX. NO RESPONSE. XXXX/XXXX/XXXX my XXXX loan payment coupon showed $ XXXX past due ( the $ XXXX still missing + $ XXXX in " OTHER '' fees ). I only owed $ XXXX. NO RESPONSE. My pymt was now $ XXXX not {$2700.00}. XXXX said pay $ XXXX or we 'll foreclose. They refused to provide an itemized pastdue listing or an ability to remedy our loan. XXXX XXXX XXXX sent a letter to XXXX on XXXX/XXXX/XXXX ; asked to stop the foreclosure for an investigation ; NO RESPONSE. Foreclosed XXXX/XXXX/XXXX ; we filed XXXX XXXX that day. Spent 12 mos in court, XXXX XXXX Court refused to hear our case. On XXXX/XXXX/XXXX XXXX XXXX in XXXX XXXX broadcast our plight ( see attached video ). We were evicted XXXX XXXX. My children were traumatized. On XXXX/XXXX/XXXX my atty advised I filed bankruptcy saying this was the ONLY way to protect me from the true owner of my note showing up for the $ XXXX & I would n't have the house. XXXX/XXXX/XXXX filed $ XXXX suit for damages to my property ; there were none. XXXX XXXX XXXX sold my house for $ XXXX.
03/30/2015	No	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33611	Web
This complaint was delayed due to a major car accident in XXXX XXXX. EVERY FACT referenced is attached, XXXX docs, XXXX to show the corruption of my loan. A full detailed descript is also attached for full clarification. On XXXX/XXXX/XXXX I purchased my XXXX ; my loan was $ XXXX. In XXXX, my property valued $ XXXX, at foreclosure in XXXX, $ XXXX. It sold XXXX/XXXX/XXXX, $ XXXX. My home was never upside down ; Our $ XXXX/mos pymt do-able. I got XXXX 2yrs. We spent 6+ yrs in loan modification ; an approval in XXXX XXXX, but the bank lost the paperwork & denied us, back to square 1. My house was taken illegally on XXXX/XXXX/XXXX by XXXX XXXX XXXX, WHO DID NOT EVEN OWN THE NOTE. XXXX XXXX XXXX gave XXXX a " loss note affidavit '' to my property XXXX/XXXX/XXXX. XXXX foreclosed XXXX/XXXX/XXXX ; we NEVER had a chance to remedy our loan despite written requests ; we were a $ XXXX goldmine. From XXXX XXXX we were in courts to get back our house that was rightfully ours. On XXXX/XXXX/XXXX, XXXX attorney perjured himself in the XXXX XXXX XXXX court, under oath/recorded in the court transcript stating they COULD produce the note to my home when the judge asked. Based on that " LIE '', the judge granted them possession of our house. On XXXX/XXXX/XXXX XXXX filed a loss note affidavit w/XXXX. Ironically, & in our evidence the judge refused to view, on XXXX/XXXX/XXXX XXXX notarized a " loss note affidavit '' for the foreclosure & filed it in XXXX Court on XXXX/XXXX/XXXX. An independent SECURITIZATION AUDIT on XXXX/XXXX/XXXX wrote, " DUE TO THE HISTORY OF THIS NOTE, WE BELIEVE NOTHING SHORT OF PRODUCING THE ORIG NOTE WILL SUFFICE TO ACCURATELY CLARIFY OWNERSHIP OF NOTE & PROPER LEGAL STANDING. WITHOUT 1ST HAVING PROPER OWNERSHIP OF DEBT, THE BANK CAN NOT INITIATE ANY COLLECTION ACTIVITY, LET ALONE FORECLOSURE ''. In summary, I had 5+ forbearance plans ( all pd in full ) - my loan mods always denied after. My loan was transferred 8 times, $ XXXX in payments $ XXXX ( XXXX/XXXX/XXXX ), $ XXXX ( XXXX XXXX ) & $ XXXX ( XXXX/XXXX/XXXX ) to bring my loan current w/ XXXX/XXXX went " missing '' after loan transfers. My attys asked for copies of the orig note for 2 yrs ; we were told we were n't entitled to this info ; my loan transferred immediately = more " misc fees '' /lost loan mod papers/forbearance agreements. For 6 yrs we made pymts ( noted above ), sent endless credit reports, bank statements, insurance docs, etc. It was mentally & physically exhausting ; we avg XXXX hrs/week following up, re-explaining our situation/lost paperwork because lender reps were " transferred ''. In XXXX, we had $ XXXX equity in our home ; we could n't get a line of credit. 3 HAMP applications = DENIED. My attys repeatedly requested QWRs - NO RESPONSE. Gregory Funding, part of XXXX, was faxed a QWR on XXXX/XXXX/XXXX. NO RESPONSE. XXXX/XXXX/XXXX my 1st loan payment coupon showed $ XXXX past due ( the $ XXXX still missing + $ XXXX in " OTHER '' fees ). I only owed $ XXXX. NO RESPONSE. My pymt was now $ XXXX not {$2700.00}. XXXX said pay $ XXXX or we 'll foreclose. They refused to provide an itemized pastdue listing or an ability to remedy our loan. Congressman XXXX of Virginia sent a letter to XXXX on XXXX/XXXX/XXXX ; asked to stop the foreclosure for an investigation ; NO RESPONSE. Foreclosed XXXX/XXXX/XXXX ; we filed XXXX XXXX that day. Spent 12 mos in court, VA XXXX refused to hear our case. On XXXX/XXXX/XXXX XXXX in XXXX broadcast our plight ( see attached video ). We were evicted XXXX XXXX. My children were traumatized. On XXXX/XXXX/XXXX my atty advised I filed bankruptcy saying this was the ONLY way to protect me from the true owner of my note showing up for the $ XXXX & I would n't have the house. XXXX/XXXX/XXXX filed $ XXXX suit for damages to my property ; there were none. XXXX XXXX XXXX sold my house for $ XXXX.
03/16/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30907	Web
For SEVERAL months I have been trying to communicate to XXXX XXXX about the status of my situation with regards to making payments on my mortgage. Each time I have attempted to contact them, I have been put on hold for over 20 minutes only to NEVER talk to a customer service representative. I understand that we had Covid -19 protocols set forth by our Federal, State, and Local governments, however, not being able to keep the communication lines open is detrimental to one 's living situation which brings me to this complaint. In a letter from XXXX XXXX dated XX/XX/XXXX, I was informed that XXXX XXXX needed information that matched the " Mortgage-Payee Clause '' from my insurance company to the information they had on file. XXXX XXXX requested " proof '' that I had hazard insurance and wanted me to fax or mail the declarations page to them. I called my insurance company ( XXXX ) to advise them of the situation and they told me they would send the information to them by the fax number provided to me in the letter. In a letter from XXXX XXXX dated XX/XX/XXXX, I received an " Insurance Escrow Cancellation '' notice. I immediately called my insurance agent and asked what was going on. She advised me the insurance company sent in the paperwork requested by XXXX XXXX using the fax number given in the letter. I tried NUMEROUS times to get in touch with XXXX XXXX to discuss this situation but NEVER talked to a customer service representative after being on hold every time. On XX/XX/XXXX, I received a " Notice of Intent to Foreclose '' letter from Gregory Funding giving me to pay off the outstanding mortgage debt of {$3900.00} which INCLUDES unpaid installments, late charges, and " suspense unpaid charges ''. On XX/XX/XXXX, I paid a TOTAL of {$4700.00} which INCLUDES six months of mortgage payments PLUS some sort of late charge of {$330.00}. Now on the foreclosure letter, it stated I only owed a total of {$3900.00} HOWEVER, on XXXX XXXX 's website, it stated I owed a total of {$4700.00}, a difference of {$750.00}. I was informed by the website on XX/XX/XXXX after I had just paid the payments that it takes TWO business days for the account to update. On XX/XX/XXXX, I made a call to XXXX XXXX to check on the status of my account. I was on hold for 26 minutes and NEVER talked to a customer service representative. Later that afternoon, I attempted to contact XXXX XXXX again and was put on hold for 34 minutes before hanging up and never talked to a customer service representative. On XX/XX/XXXX, I attempted to call XXXX XXXX and was on hold for 15 minutes before hanging up and not talking to a representative. I made one more attempt that afternoon and again was on hold for 18 minutes before hanging up never to talk to a representative. On XX/XX/XXXX, I logged into XXXX XXXX 's website to check the status of my account and my account had not been updated. I made another series of calls only to NEVER talk to a representative after being on hold for over 30 minutes each time. Now I am really worried so I check my payment history and it shows the payments complete with " confirmation '' numbers of the payments I made back on XX/XX/XXXX. On XX/XX/XXXX XXXX today ), I log into XXXX XXXX 's website to check on the status of my account and STILL there is no update. Here it is on the day of my foreclosure date and I have NEVER been able to contact XXXX XXXX about my mortgage loan. The ONLY means of communication is the what seems to be a fake number that no one answers at the company. I went to the Better Business Bureau to check on this company and wouldn't you know it this company has an " F '' rating with literally ALL of the documented complaints being not having communication with the customer. I filed a complaint with them as well.
06/29/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MI 488XX	Web
My mortgage company Gregory Funding conducted a wrongful foreclosure sale on XX/XX/XXXX. Gregory Funding engaged in unethical servicing practices, sent conflicting correspondence and failed to properly notify me of the foreclosure sale date. I contacted the law firm XXXX XXXX to find out when and how they notified me of sale, and they claimed that all procedures and steps were followed in regards to the foreclosure. However, I never received notification by mail, notification by personal service nor did I ever see or receive any " posted notice '' on my property. I live on a very large lot and there was nothing attached to my door, and there was never any posted document in any area on the property that we saw. I have requested that their office or whomever was hired to serve me Notice of Default and Notice of Sale provide documents and evidence that prove that I was properly served. I had absolutely NO IDEA that my home was set for foreclosure sale on XX/XX/XXXX. In fact I was sent a letter from Gregory Funding on XX/XX/XXXX ( attached ) titled " Delinquency Notice. " In the bottom paragraph it states " Foreclosure : We have made the first filing or notice required in your state to start the foreclosure of this account. '' Yet seven days later Gregory Funding conducted the illegal foreclosure sale. I was completely unaware that the home was set for foreclosure sale date, I was NEVER notified by Gregory, the law firm or the Sheriff of this sale date on XX/XX/XXXX. At the time of this foreclosure sale I had been led to believe that I was in active review for a loan modification based on the change in my financial circumstances. I have owned my home for 21 years and live in the property with my wife and our XXXX XXXX XXXX XXXX XXXX son. We began struggling with our mortgage payment due to Covid and I reached out to Gregory in XX/XX/XXXX to see if there were any programs available to help families financially impacted by Covid. I was told by Gregory that there were no available programs and that I had to figure out a way to pay. Gregory did not offer a forbearance or any type of help as required through the CARES program. As we fell further behind I continued to reach out to Gregory and eventually we were offered a plan to get back on track with our mortgage that required a lump sum upfront payment of {$7500.00} and then modified payments of {$1200.00} per month. Although appreciated, I was on temporary leave from work when that plan was offered due to XXXX XXXX and I could not make the lump sum payment. I contacted them for an extension, but was told that was not possible. I was finally able to speak to someone at Gregory in XX/XX/XXXX and told them that I was back working full time and that we had a change in our finances and they sent out a packet for our family to be reviewed for a new modification. I sent in the requested documents to Gregory Funding. I did not receive any paperwork regarding a Notice of Default, a notice of acceleration and most certainly no notification of a foreclosure sale date. I continued to send in documents in an attempt to get Gregory to offer a modification but Gregory dragged out the process and the current and correct financial circumstances and ability to pay were never reviewed by Gregory. Gregory continued to send out mortgage statements in XXXX and XXXX ( attached ). And of course I have the letter dated XX/XX/XXXX stating that Gregory had just made the first filing in my state for foreclosure. This document calls into question the legality of the foreclosure sale that was conducted on XX/XX/XXXX. Either this is an illegal foreclosure or Gregory sent out correspondence that intentionally misled me to believe that the foreclosure was in the early stages.
06/12/2015	No	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	FL 33027	Web	Older American
The reason of this report is to file a complain again ( actual Lender ) Gregory Funding XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX who I retain and explain the problem with the law firm bellow in XXXX paragraph. This lender buy my loan from XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX on or about XX/XX/XXXX where I was a probed for a Modification Trial Period Plan for three months, once Gregory Funding buy the loan from XXXX before the XXXX and last payment of the trial modification loan they refuse to give me the modification on my loan asking in several occasion for the same type of documents like proof of income, bank statements and job information, all this information was provided to the law firm XXXX XXXX XXXX XXXX XXXX who represent me towards this Loan Modification, this law firm always state the same statement that they working towards the loan modification and lender asking for same information again and again ending up in limbo while lender continue with Judgment. Please help me since I have a suspicious of some XXXX of potential fraud because nether the lender or law firm XXXX XXXX XXXX XXXX XXXX want to give me a scope of work or status of this case. I hired XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX paying a initial retainer fee of {$1000.00} on XX/XX/XXXX {$1100.00} on XX/XX/XXXX, {$1100.00} on XX/XX/XXXX and subsequently {$590.00} up toXX/XX/XXXX for a total payment of {$18000.00} for a Foreclosure matter, I was granteda Loan Modification for a three moths trial period before hired XXXX firm, The lender who provide me with this loan modificationwas XXXX XXXX XXXX, this lender sale the loan on or about XX/XX/XXXX to XXXX who never provide me or grant me the modification loanthey had request information such proof of income, bank statements and jobinformation, all this information we had provide it to XXXX in XXXX different occasions since they are our layers. At this pointno modification has been provide it to us neither a solution. This law firmbroke our agreement since no reports, no communication and proper informationor scope of work have n't given to us in regards to our case they only statement is that the bank is working on my case. I have desired to stop making any further payment till reportor status of our case is provide it to us and at this point it seen to be likethey have no intention to provide it to us because I request a meeting with XXXX XXXX XXXX XXXX who is the manager of the law firm, they schedule an appointmentfor today XX/XX/XXXX at XXXX XXXX. They call me at XXXX to move theappointment to XXXX because the attorney ca n't make it so I accepted andshow to the attorney 's office located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX at XXXX waiting for more than 25 minutes till I ask XXXX of thestaff to tell the attorney that my appointment was schedule for XXXX and theymove it to XXXX, a different staff come out and told me that the attorneywas reviewing my file, it was XXXX till attorney XXXX step out to seeme stating that he was too busy and I have to way, I told him that I was notthere to wasting my time that I was schedule for an appointment for XXXXnot for the time that he desired to see me and provide me with status orinformation on my case and no answer or information was giving to us. A soon Igot home realize that an email was send it to me from the attorneys officestating that I did not show to the appointment for a XXXX time. It seen to belike is a potential fraud with this law firm since they violated our agreementno ethic and misrepresentation and stating false statement by saying that I didnot show to the appointment for a XXXX time. Please Help.
08/31/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NJ 07202	Web
My mortgage loan is being handled by a shady company named XXXX XXXX. I looked them up and see many complaints online and also see that they had a disciplinary regulatory action taken against them relating to their license. I have an FHA loan for my home that was transferred to XXXX XXXX. After suffering a medical emergency and being out of work for several months while recovering I defaulted on my loan. As soon as I was back to work I contacted XXXX XXXX and was able to negotiate a loan modification. I paid on this as agreed for 7 months and then XXXX XXXX told me they made a mistake on the amount I owed for taxes. They told me I had to pay them a lump sum of {$16000.00} to resolve the matter, and if I did not do it they would kick me out of the modification. I now have a foreclosure sale date set for XXXX XXXX. This company miscalculated the tax rate and picked a number out of the air and then added an extra {$10000.00} in late fees and legal fees to stop me from having a chance to save my home. I make a decent living and this is an avoidable foreclosure but XXXX XXXX could care less. I purchased my home in XXXX and the loan was originally with XXXX XXXX XXXX. Over time it was transferred to several servicers, and finally ended up with XXXX XXXX. When I bought the home I was working for XXXX, but after many years with them was terminated in XXXX. I decided to start my own business, and invested a substantial amount of my savings to start a XXXX XXXX business. It soon paid off and I was making a good living. Then in XXXX my XXXX burst and I had to have emergency XXXX. I was out of work for seven months. I exhausted my savings trying to stay afloat and went delinquent on my mortgage payment because of this situation. I applied for a loan modification in XXXX XXXX after I was back on my feet at work and ended up getting approved. I made my modification payment as agreed for 7 months but then XXXX XXXX claimed that they had miscalculated the taxes and that I needed to make a lump sum payment to them of {$16000.00}!! I did not have that kind of money sitting around and was not able to comply. As a result, they said the loan modification was invalid and XXXX XXXX refused to accept my monthly payment. I have tried to have a civil discussion to resolve this matter but have made no progress. I have requested a review for a new modification that would encapsulate whatever legitimate delinquent taxes I may owe, but cant get XXXX XXXX to consider this. On top of that they just charged me a {$10000.00} foreclosure fee so that my arrearages are even more difficult to reinstate. I feel XXXX XXXX is not following FHA guidelines. I was making my modification payments as agreed, then they detected an error on their side ( or fabricated an error in order to find a way to steal my home from me ) and demanded a lump sum payment. That is not the way an FHA loan is supposed to be serviced. XXXX XXXX has been making up the rules as they go along and hanging me out to dry. I have asked them to document the taxes owed and they have failed to do so. I believe they are trying to charge the rate for XXXX for past years in order to line their own pockets. Additionally, XXXX XXXX has not provided me with Occupied Conveyance paperwork as required on an FHA loan and has not offered the option of mediation, which is required in the state of New Jersey. Please consider this another formal complaint against this bad company.
02/05/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80206	Web	Older American
Consumer Financial Protection Bureau XX/XX/XXXX Dear Sirs- this is a follow up on the first complaint with Gregory Funding- HERE HIGHLITED ISSUES : # 1. I want and NEED a complete itemized payments and charges for year XXXX SERVERAL ATEMPS by myself to get this has produced nothingXXXX XXXX XXXX acct Service said this was mailed to me ( NEVER RECEIVED ) the XX/XX/XXXX Called XXXX again and She sent a EMAIL as was asked to mail the SERVICE REPORT ON MY ACCOUNT AGAIN -- NEVER RECEIVED AS OF THIS DATE- She did email a link to secure a passed and received it on line ( OVER 20 ATEMPT to SET A PASSCODE APPROVED UNDER THEIR SYSTEM DID NOTHING 15 of THOSE CODES WHERE APPROVED HIT THE BUTTON AND IT SAY RE- TRY ANOTHER PASS CODE ) I still do not have this report and need to to see what are charging me for PASS LATE CHARGES and FEES 2 ) Past late Charges and FEEs in today mail= TWO DIFFERENT STATEMENTS= on for a total of {$19000.00} and the other one for {$15000.00} IN LATE FEES AND CHARGES so what one is it -- -- -- -- -- -- -- -- -- -- -- -- 3 ) NOW the GREGORY FUNDING FORBARANCE === not to be confused with a REAL FORBANCE out lined by the US FEDERAL GOVERNMENT FORBARANCE PROGRAMS C.A.R.E.S. A.C.T. -- as Gregory Funding is calming to not belong to any Federal funding and this note of mine is held by PRIVATE INDIVIDULAS == ( how CAN I SEE what type of PANDEMIC RELIFE THESE PRIVATE INDVIDULES or COMPANYS=have or have not received-any Pandemic relief fund from the Federal US Government XXXX ( I DO HAVE THE NAMES OF THE OWNERS OF MY NOTE ) just let me know how to look up to see if they received any PANDEMIC XXXXELIFE BENNIFTS == 4 ) Permanently in my notes per XXXX XXXX XX/XX/XXXX I can get off this 6-month assistance program ( that does not Benefit my account=_ ) ) ) -- here is what is going on I have enrolled in Gregory Fundings XXXX. program in XXXX I paid some {$5400.00} to except the XXXX Program that would allow me to pay interest only on my note-along with late fees and charges ( small print on the note ) I had no IDEA that XXXX payment was due of sum {$3800.00} -- now with late fees an interest I am being charged some {$3500.00} for being late with four payments on my account- Keep in mind that when I make a payment of {$24000.00} it is for INTEREST on my NOTE and NO principle plus LATE FEES and CHARGES -- WHEN I GET A TRUE ACCOUNTING OF WHAT IS OWED I plan on playing my account current- and revert the original note so I can get some type of Principal reduction to my Loan with Gregory funding XXXX a subsidiary of XXXX XXXX CHARGE just look at the bottom of the statements== attached- 5. Just a note to show what type of program I am under the real payment on my account is {$3500.00} and there are three months where I need to pay for Insurance that WAS DROPED from Gregory Funding because the first 6 months of the year. Gregory funding could not realize that my monthly payment amount included INSURANCE and every month hey sent me nasty note that would put on FORCED PLACE INSURANCE ON MY ACCOUNT after six months of calls and letters I told Gregory Funding to TAKE MY INSURANCE OFF FROM MY MORTGAGE PAYMENT and I WOULD PAY FOR INSURANCE == they did that in XX/XX/XXXX after 8 months of calling them- 6 ) Now any time I call Gregory funding its about an hour a one half wait= nothing can be done about this but I want it noted ... ... ... ... ... ...
01/30/2023	No	Mortgage Conventional home mortgage	Trouble during payment process	CA 91324	Web
My lender is XXXX XXXX XXXX XXXX XXXX, loan servicer is-Gregory Funding LLC. acts in reckless disregard of state and federal laws/ regulations, created artificial barriers, their bogus overbilling is in dispute, however this bogus company up to date repeatedly refused to do an escrow analysis, added up bogus/invalid charges, forcing me to overpay my mortgage that's five times more what's owed per month, especially knowing that I struggle with extreme financial hardship. Their purpose is to force me to high risk of homelssness and property foreclosure. My property/primary home- is under imminent danger and threat. This criminal company singled out my name-as XXXX XXXX XXXX, discriminated and retaliated against in multiple ways that's continued up to date. I would have a hunger strike outside of FBI, requesting their help to rid me from this criminal clanXXXX XXXX and Gregory Funding . Gregpry Funding- is under serious Alert/red flagged by the XXXX ( please review all other victimized customers complaints, who are similarly affected ), predatory lending, fraud is this company 's corporate culture. Where is the CFPB 's control in this existing chaos and anarchy? The Gregory Funding fraudsters targeted my name/loan account and continously retaliate against me in different ways. They force me to overpay the amount they want not what is the net monthly loan payment amount, I repeatedly demanded to run an escrow analysis, adjust/correct the amount that as per loan agreement contract, they refuse to report my mortgage payments, also without my consent and permission the Gregory Funding LLC . checked my credit, committing major fraud-somebody applied for a home loan under my name, through fraud and ID Theft. The Gregory Funding LLC, committed major fraud by filing a Notice of Default back in XX/XX/2022 by forcing me to pay {$140.00} 000.00 ( one hundred forty seven thousands of dollars ), and threatened to sell my Property/Transfer the Deed without Court Order. My lawyers fought back against this fraud, after longstanding battle, I successfully stopped my property Foreclosure and illegal Transfer of the Deed of Trust. Gregory Funding company seriously impacted/crashed my credit score in retaliation-this was their vendetta. Currently this bogus entity of fraudsters and cheaters demand from me the amount of XXXX that exceeds 5 times more of my monthly mortgage loan amount. The CFPB is in default, your lack of control, allowed the Gregory Funding LLC to continue their anarchy, in spite and full disregard of all laws. As an XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I would speak out on global mass media platforms to unmask your bureacracy and existing chaos. The FBI Headquarters ( Washington, D.C. ) and Justice Department along with the Federal Reserve will be contacted through my local congressman 's office for my case, asking an audit and investigation against CFPB in this matter based upon your favorable decisions made in my previous complaints against this criminal clan named-XXXX XXXX and Gregory Funding . The federal investigation must unmask and reveal your agency 's conspiracy with this clan. Why the CFPB keeps a blind eye over this deception, fraud and predatory lending?
09/28/2020	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA XXXXX	Web
Gregory Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX We are trying to get a payoff demand so that the sale of this property can go through. Gregory Funding will be receiving a full payoff from the sale. We requested a Payoff Demand from Gregory Funding on XX/XX/XXXX. On XX/XX/XXXX the rep at Gregory Funding said they did receive the payoff request and it would take an additional 5-7 days to receive the demand. ( These time frames are outside of their servicing guidelines and a violation of CFPB guidelines. ) **********It is now 19 NINETEEN days later and we STILL HAVE NO PAYOFF DEMAND. XXXX -- -- I have contacted Gregory Funding multiple times in the last three weeks and each time I get the same response We are still waiting on the attorney fees from the trustee, and there is a delay in time frames due to COVID. -- -- None of these excuses are acceptable. Gregory Funding is well outside servicing guidelines and at this point their incompetence is damaging the parties involved with the current offer we have on the property. They continually give excuses as to why it is not yet ready. They claim the trustee is not responding to them and their excuses due to COVID are irrelevant. They have had six months to figure out a way to maintain their contractual obligations due to COVID. Additionally their staff seems overworked and apathetic on the phone every time I call. At this point is it apparent that Gregory Funding is understaffed and unable to fulfill their servicing obligations. If they are unable to perform on their obligations they need to be shut down. -- -- -- -- As an added note, the previous time we ordered a payoff demand they gave an excuse that our fax number wasnt working and thats why they were not able to send it to us -- -- We have an e-fax number. It is impossible for this to have been the case. Clearly, they are giving excuses for their incompetence and this is obviously a pattern that needs to be resolved. **Their apathy is unacceptable. They have no disregard for their contractual obligations nor the CFPB nor their consumers that are damaged by their extreme incompetence in such a simple matter. -- -- At this point they have also damaged the IRS and we will be turning them into the State as well as the IRS. ******************I have since contacted the Trustee ( info below ) who state NO ONE at Gregory Funding has contacted them in more than three weeks for anything on this file whatsoever. It is apparent that Gregory Funding is PURPOSELY DEFRAUDING THEIR CLIENTS AND LYING TO US so they can hold onto this file as long as possible in order to continue receiving the Increased Servicing Fees on this defaulted loan. ** I WOULD IMAGINE IT IS GREGORY FUNDINGS POLICY TO DO THIS ON ALL THEIR LOANS AND I ENCOURAGE THE FEDERAL AND STATE GOVERNMENT AGENCIES, AS WELL AS THE IRS, TO LOOK INTO THIS FRAUD COMMITTED ON THE REST OF THEIR PORTFOLIO. XXXX XXXX XXXX XXXX XXXX XXXX XXXX trustee XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX I have also attached our authorization letter since Im pretty sure Gregory Funding will attempt to claim I am not an Authorized Third Party. -- -- Cross-filed with : CFPB OAG IRS
02/09/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 94590	Web	Older American
Received a phone call from the loss mitigator XX/XX/XXXX from Gregory Funding that my request for payment assistance was approved with the following terms, down payment due by 15 days from when the letter is mailed from Gregory Funding. Down payment amount for the forbearance/trial period is {$4300.00}. I call back XX/XX/XXXX to ask my loss mitigator if there is an extension for him so that I don't have to hold for an extended period to reach him. His answer is " NO '' we are not allowed to give out an extension. I call back on XX/XX/XXXX and speak to a customer service representative to ask the question, " DO I WAIT TO RECEIVE THE LOSS MITIGATION LETTER BEFORE I BEGIN MAKING PAYMENTS TOWARD THE DOWN PAYMENT? '' The customer service rep puts me on hold and comes back to say that I DO NOT have to wait for the letter, that all payments going forward will go toward the down payment. XX/XX/XXXX I send in a payment for {$470.00} toward the down payment. XX/XX/XXXX I send in {$1600.00} toward the down payment, XX/XX/XXXX I send in {$300.00}. On XX/XX/XXXX I notice that part of the payments have been applied to a delinquent month XX/XX/XXXX payment and the rest is put in the unapplied suspense. I called back XX/XX/XXXX and held XXXX minutes to ask my question again, " SHOULD I BE CONCERNED THAT MY DOWN PAYMENT MONEY FOR MY NEW FORBEARANCE HAS BEEN APPLIED TO A PREVIOUS MONTHS PAYMENT? I AM TOLD, " NO NEED FOR CONCERN, IT HAS ALL BEEN CALCULATED IN ABOUT XXXX PAGES WORTH OF CALCULATIONS TO TAKE INTO CONSIDERATION THE PAST DUE. WE WILL MAKE A NOTE IN YOUR FILE TO LET YOUR LOSS MITIGATOR KNOW THAT YOU CALLED AND WHAT QUESTIONS YOU ARE ASKING. '' XXXX I send in a payment for {$1200.00} to go toward my down payment and set up another payment for {$800.00} for XX/XX/XXXX for a total down payment of {$4300.00}. Such a relief knowing that I have paid it in full because my loss mitigator said on XX/XX/XXXX that " any amount I am short by the XXXX day from when my letter is mailed we can work it out ''. As of XX/XX/XXXX no letter has ever arrived from loss mitigation since our discussion on XX/XX/XXXX. XX/XX/XXXX the phone rings, it is the loss mitigator calling to let me know that my letter was mailed XX/XX/XXXX and my down payment is due XX/XX/XXXX. I mention all of the payments I have made toward the down payment since our XX/XX/XXXX conversation, and XX/XX/XXXX payments toward the down payment and his response is, 'THOSE PREVIOUS PAYMENTS made in XX/XX/XXXX CAN NOT BE APPLIED TOWARD YOUR DOWN PAYMENT, ONLY PAYMENTS MADE AFTER THE DATE OF THE XX/XX/XXXX LETTER FROM LOSS MITIGATION. '' The loss mitigator speaks to his supervisor and calls me back. " THE MONEY THAT YOU PAID IN XX/XX/XXXX MUST REMAIN WHERE IT HAS BEEN APPLIED AND THE {$4300.00} MINUS THE {$2000.00} IN PAYMENTS THAT YOU HAVE MADE IN XXXX CAN BE SUBTRACTED. YOU AND I CAN WORK OUT THE REMAINING {$2300.00} OVER THE NEXT XXXX MONTHS '' Something is wrong with the fact that the phone calls to customer service are documented with me asking specifically if I need to wait for the loss mitigation letter to begin making payments or can I begin making the payments now. Something is not right?
08/17/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 21207	Web
My son and I are in danger of losing my house of 30 years because of the questionable and possibly illegal actions of Gregory Funding. I am XXXX and suffer from XXXX and on a fixed income after working for Social Security in XXXX XXXX for 40 years. My son XXXX is my full time caretaker and he is helping me to write this letter. My husband handled all of our finances and he had the mortgage payment set on automatic debit with XXXX and payments were in good standing. Shortly after he passed away the mortgage was transferred to Gregory Funding. My son and I assumed that the automatic payments would continue to come out of our account so we did not take any action as we were busy with funeral arrangements and getting me settled without my husband. Once we realized that the payments were not being taken out my son XXXX who is my authorized representative and has Power of Attorney contacted XXXX to try and reinstate the missed payments. This is where the problems and shady activities begin. XXXX was given a reinstatement amount in XXXX of {$5900.00} to catch up the missed payments. He called in by phone and gave bank account information for the ACH debit and was told it cleared and they gave him a confirmation number. When he checked his bank account the next day he saw that the funds had not been withdrawn and when he called in to XXXX on Monday their agents said sorry it did not go through, and that they had been trying to call him. This is where the concern starts, because there was no record of missed calls on his phone or my phone and this is a total lie. Then their agents said the reinstatement figure had increased {$1300.00} over that weekend. We are requesting a full and complete ledger and accounting of all payments due, all fees, all interest as well as a specific description of the type of fee that would increase the payment {$1300.00} over a weekend. From an extra two days of interest??? My son did not have the extra {$1300.00} so their agents told him that they would order a new reinstatement amount because the old one had expired and that it would take at least a week to 10 days to get a new reinstatement amount, and since the reinstatement figure is only good for two weeks we would only have 3-4 business days to get the payment together. We were unable to catch up because Gregory Funding dragged their feet with the reinstatement figures and played a shell game with our family home. In the last three months the reinstatement amount has doubled. There is no logical explanation for this and we want some answers. We tried speaking with the lawyer for XXXX and he gives us the runaround also. XXXX recently tried calling in to their main office and asked if we could be considered for a loan modification. The agents said no, but we could try to apply for the Maryland XXXX program but that it takes so long we would probably lose our home before we get help from them.
10/12/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33027	Web	Older American
On XX/XX/2020 I sent a certified return receipt request letter requesting a QWR 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) to my mortgage attorneys XXXX XXXX XXXX in XXXX, Florida, attorneys for my mortgage lender Gregory Funding who I send a carbon copy of my QWR, on XX/XX/2020 ( first violation and false statement since they indicated they had receive my letter on XX/XX/2020, a copy of certified return receive is attached as well a copy of the USPS confirmation delivery on XX/XX/2020 ) I received a confirmation received letter Dated XX/XX/2020 by my Mortgage lender Gregory Funding, in this letter they stated they had received my QWR and they will investigate my inquires and typically provide me with detailed response within 30 business days from the day they receive my correspondence. As of today XX/XX/2020, they have not responded to my QWR passing 52 days violating RESPA rules ( Second violation ). They had also violated RESPA rules, how they had violet, by : 1. Failure to apply my payments correctly 2. Charging improper fees 3. Starting a foreclosure sale in violation of regulations 4. Fail the State of Florida Executive Order 20-180 signed by governor XXXX XXXX on XX/XX/2020. XXXX. Making and error in the servicing of a mortgage loan 6. Failing to properly credit a payment when proof of receipt is provided 7. Fail to provide a writing response, acknowledging receipt within 5 business days of receiving my QWR certified return receipt letter 8. Fail to respond to my QWR letter within 30 business days under 12 CFR 1024.36, Subpart C, 1024.36 ( d ) ( 2 ). Prior to this request on XX/XX/2020 I had requested a Notice of Error 12 CFR 1024.35 to my lender Gregory Funding and their Attorney XXXX XXXX XXXX responded on XX/XX/2020 stating that Gregory Funding has reviewed the accounting in connection with my complaints multiples times and has determined in good faith that no corrective adjustments are necessary. ( see attached communication letters dated XX/XX/2020 from borrower and XX/XX/2020 from XXXX XXXX XXXX, attorney for lender Gregory Funding. On XX/XX/2020 I apply for a loan modification ( see attached email with information corresponding loan modification ). On XX/XX/2020 I received and email with a letter attached from attorney XXXX XXXX XXXX indicating that Gregory Funding XXXX, LLC, and Gregory Funding LLC have already responded thoroughly and repeatedly to my redundant questions ( see attached letter ). They also indicated that if I have an alternative calculation of my indebtedness to provide them by Monday XX/XX/2020, allowing me to provide them with a resolution in ONLY 3 business days, like rules does not exist on my favor. I call today Monday XX/XX/2020 around XXXX XXXX and spoked with XXXX, a Gregory Funding agent representative regarding information on my loan modification and she indicated me that my loan is in foreclosure that there is no loan modification.
05/23/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33428	Web	Older American, Servicemember
On XX/XX/2021 the servicer XXXX XXXX transferred our mortgage to Gregory Funding. Mortgage fraud, missing payments and failure to act accordingly with stated operational procedures outlined in CFPB bulletins. Help is needed to avoid foreclosure action by Gregory Funding. We have been consistently abused by Gregory Funding. The abuse has reached a point where my wife and myself are under a doctors care. My Mortgage service company, currently is Gregory Funding. The Mortgage account was transferred from XXXX XXXX, and prior Servicer was XXXX. Gregory Funding has failed to account for payments made when the account was being serviced by XXXX XXXX. XXXX XXXX and Gregory Funding failed to acknowledge, or allow for the Covid Forbearance, when requested and agreed to by XXXX XXXX. I, my wife, and XXXX XXXX our financial advisor have repeatedly requested a corrected statement of accounts from Gregory Funding and they have refused to provide it, calls to Gregory Funding have not resulted in our request for a corrected mortgage statement, they have refused to provide requested documents related to an unsanctioned refinance by XXXX, they have refused provide an alleged note of more than {$150000.00}. Gregory Funding is now threatening to foreclose on my home. They have advised that the date for starting foreclosure proceedings will begin on the XXXX of XXXX. When informed that we were going to file a complaint with the CFPB, we were rebuffed and they mocked our intent to do so. This company has a history of doing this to homeowners, we believe that there maybe a number of homeowners may have been foreclosed due to lack of due-diligence on the part of Gregory Funding XXXX Our research indicated that there have been law suits against Gregory Funding where homeowners were successful and yet we see meaningful action by the CFPB as Gregory Funding mocks and ignores the notice that we intend to file with your agency. When we called Gregory Funding they falsely claim that they are escalating the issue and we continually are connected with the same man who has no authority to act, has very little understanding of the issues at hand, and he repeatedly tells us that it is our responsibility to convince them of our claims. Your help is desperately needed in this matter. We are requesting that you open an investigation and require Gregory Funding to provide all requested documents and a correction of their records associated with our mortgage account. We are requesting a stop to any foreclosure action, we are requesting accountability as to our covid forbearance immediately. We believe that some form of compensation should be provided to all homeowners aggrieved by XXXX XXXX and Gregory Funding. We have suffered medical issues as well as paying for assistance in this matter. We are prepared to act as class action head for your agency or any law firm willing to take up such an action.
09/01/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NJ 074XX	Web
I am a homeowner who is in the XXXX field and due to COVID-19 I was working limited hours and only recently have we started to pick up hours almost back to normal. I am a single parent so there is one income at this point as well. I began the forbearance period in XX/XX/XXXX although I continued paying the mortgage until XX/XX/XXXX then with cut hours not coming back I stopped making payments due to the uncertainty of what the future holds. I spoke to my then servicer XXXX XXXX and they discussed future options with paying it back, they defer payments but I would owe my escrow. I spoke to XXXX at XXXX XXXX on XX/XX/XXXX at XXXX XXXX to discuss my process to pay back and at that point I was told I owe {$5100.00} in escrow and then my regular payment would resume on XXXX XXXX. This was very fair. I filled out my loan modification package and emailed it back to XXXX XXXX. As I was waiting for a response from Loan Care I received a letter from XXXX XXXX saying I was sold to Gregory Funding as of XX/XX/XXXX. I called Gregory Funding many times to reach out and see how to begin payments. Each time I called I was told they don't have any information yet. Finally, I spoke to a XXXX [ forgot the date ] she mentioned that I should pay the now {$7500.00} escrow before they do an escrow analysis to avoid their escrow department calculating that into my monthly payment and it would go way up. Then, I spoke to XXXX on XX/XX/XXXX I wanted to get the exact escrow amount to pay and how I would pay it and should I also pay the XXXX payment. She advised me to not pay the escrow yet because if I had limited funds I may need that as a down payment after my mortgage was modified because they do not participate in deferral programs. She did recommend that I pay {$640.00} to at least make the XX/XX/XXXX payment complete. At this point I have no idea what to do it is impossible to get in touch with the company, each time I call there are 100+ calls they must take [ they have an automated voice that counts down ] if you leave a call back number they do not call back. In addition, I am basically told something different each time. I was also told a loan officer would reach out to me at some point to review my modification form that was forwarded from XXXX XXXX but I'm afraid that whatever payment option I do at this point it may hurt me financially and I'm very uncertain as to what step to take. A letter also came that said my mortgage was {$250000.00} before COVID-19 and now it's {$280000.00}. Where did the {$30000.00} come from if the idea of a forbearance was that interest would not be tacked on you were supposed to be deferred. Can this company change the deferment at this point or was it fair for XXXX XXXX to sell me to another company in the end of a forbearance before the exit was planned? Any help or direction would be greatly appreciated. Sincerely, XXXX
06/04/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AL 361XX	Web	Older American, Servicemember
Account Information : Mortgage Servicer Information : Gregory Funding, LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : XXXX XXXX XXXX transferred my home mortgage to Gregory Funding in XXXX of XXXX. Currently, I am in the process of trying to pay the mortgage off. I have reached out to Gregory Funding for the past year and feel I have not been able to receive satisfactory information concerning the mortgage. I initially contacted XXXX XXXX but was told no other information was available as it had been transferred to Gregory Funding. According to paperwork Ive obtained from the credit bureau and from Gregory Funding the amount of the mortgage originated in XX/XX/XXXX was {$130000.00}. I have reached out to Gregory Funding and XXXX XXXX to obtain the correct information and the payoff amount on many occasions but have not been able to receive the correct amount that was actually owed since XX/XX/XXXX because according to the documents the original mortgage amount in XXXX was {$130000.00}. To date from XX/XX/XXXX until the present time XX/XX/XXXX I have paid Gregory Funding approximately {$120000.00}. The interest rate is 6 %. I received a payoff statement from Gregory Funding for {$140000.00} several months ago and have spoken with many of the staff but still havent received the correct information. Over the last year I have reached out to the headquarters many times, tried to speak with someone in management to see I can get the correct amount. The number at the headquarters located in XXXX, Oregon goes to an answering machine and no one returns your call. The wait on the office phone located in XXXX Oregon is normally over an hour or more, and when someone gets on the line the information that is received is normally not what you request. I have had several calls just dropped after holding for way over an hour. I have waited several months for another payoff statement after I told them that the original mortgage amount was {$130000.00} in XXXX ; and that is not the amount that should have been transferred in XXXX. It should have been much lower. I have not gotten any additional information from them. From what I understand they are plagued with lawsuits for mishandling customers accounts, mortgage balances not correct and not providing correct information concerning mortgages that they hold. I have enclosed a copy of a lawsuit that theyre trying to settle now due to them violating the federal Fair Debt Collection Practices Act. I certainly hope your organization can help me obtain correct information relative to my mortgage so I can pay it off! Thanks for any consideration, given this request. XXXX XXXX XXXX XXXX cell preferred XXXX office
12/21/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 080XX	Web	Older American
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Gregory Funding XXXX XXXX XXXX XX/XX/2022 To whom it may concern : I, XXXX XXXX, XXXX XXXX following : I am a retired XXXX American citizen. My income comes from my pension of {$1000.00} per month. I am presently in the Bankruptcy program Case # XXXX. My monthly payment to the bankruptcy program is {$610.00} and my monthly payment to my mortgage is {$1200.00}. During the COVID pandemic, I applied for the CARES Act Mortgage Forbearance program thru XXXX XXXX XXXX XXXXXXXX mortgage company and I was accepted. The agreement was for one year of suspension of payment of the mortgage. These payments would be made after the completion of the last mortgage payment. XXXX XXXX XXXXXXXX mortgage company without previous notification and without my consent, sent my mortgage to Gregory Funding. I contacted Gregory Funding via phone call and they notified me that all of the terms and payment that I had with XXXX XXXX XXXXXXXX mortgage company would remain the same. Gregory Funding also let me know that they are a collection agency. On XX/XX/2022 I received an email from the Bankruptcy lawyer and the email stated that Gregory Funding demanded the total payment of that were not paid towards the mortgage because of the agreement with the CARES Act Mortgage Forbearance program. If the total amount was not paid by XX/XX/2022, my house would be put into foreclosure. The Bankruptcy lawyer made me sign an agreement with Gregory Funding to make the following monthly payments : A prorated amount of {$670.00} ( {$25000.00} divided by 38 months ) due to the trustee, plus the mortgage of {$1200.00} and additional payment to the Trustee of {$610.00} making it a grand total of {$2500.00} monthly payment which is impossible for me to make. At this point, feel as though that being a person of my age, my income, and my limited XXXX it is extremely hard to be able to understand the legal terms put on these agreements. I would like to solicit to whom it may concern that they do justice according to the laws given by the government in power and it not be pretended that individuals with low income lose the little that has been acquired in their lifetime I also would like to solicit that it be communicate to Gregory Funding to desist in the harassment and threats that I have been received because I applied to the CARES Act Mortgage Forbearance program. Please correspond to me ASAP these concerns. Attentively : XXXX XXXX XXXX : GreXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/05/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	VA 23832	Web
In the middle of COVID my mother died, I couldnt make my mortgage payments nor work, because of COVID and needing XXXX. After burying my mother. I had XXXX XXXX and XXXX XXXX or workin XX/XX/XXXX, months after XXXX I kept having pain to find out that they XXXX XXXX XXXX XXXX in my XXXX and had to go back in to fix it on XXXX XXXX. I am looking for work from home, but no luck yet. financially Im empty with no other resources or help. From XX/XX/XXXX I have been taking food from food banks. I filed for unemployment and now in XX/XX/XXXX theyve told me my unemployment is getting ready to expire. I am still in need of assistance, And afraid to end up on the street. I tried contacting Gregory Funding LLC and said they couldnt talk to me because of bankruptcy, I would need to get authorization from my attorney so I got authorization to talk to them and now they answer and put me on hold for and hour and a half at a time and then hang up. Theyve filed a relief from stay with my bankruptcy in order to foreclose. I want to work with them. When I purchased this property I put a deposit down of {$46000.00} leaving mortagage balance of only XXXX from XXXX my balance should only be {$78000.00}, but because of 2 modifications the are telling me I owe {$200000.00}. Look I have made payments over the years and not of my payments have been calculated in, theyre breaking the law by charging outrageous fees and taking advantage of me knowing I want be able to sell because of what my home is worth at market price. I am trying to sell, but because of the high fees theyve tack on Im not getting any perspective buyers, which also have to do with what I have to sell it for in order to transition or move and pay to move and 20 percent to put down on another place. What their doing is against the law with the fees theyve tact on. I need for them to remove some of their fees that they have tact on bringing the property to a reasonable price in order for me to sell at a reasonable price. Look I have put so much money in this property since XXXX I want be able to get it back, I got to have something to move and settle some where. At XXXX I should be preparing to retire, I have buried my father and XXXX XXXX and now my mother! I had taken a financial toll on me and the thing is Im still responsible for another brother who had a XXXX in XXXX in a XXXX XXXX in Florida. I had to raised his XXXX XXXX, because my parents couldnt. I dont want to give these people a hard time I need help to keep Gregory funding from put me on the street with nothing. Please help me
04/01/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VA 23231	Web
My loan was acquired XX/XX/XXXX by Gregory Funding LLC. Even after receiving Letter of Authorization from my Bankruptcy Attorney ( XXXX XXXX ), The servicer has failed to provide me with detailed information regarding my loan- making it unclear where I stand. After excessive hold times and an escalated call back from a Bankruptcy Representative today, the servicer stated that they are unable to provide me with these two basic requests : -What months am I currently due for? ( In other words, if I make a payment today to your company OUTSIDE OF MY BANKRUPTCY AGREEMENT/POST PETITION PAYMENTS what month will my payment be applied to ) -What is the total delinquency amount? The reasons I am requesting this information are as follows : I am currently under review for mortgage payment assistance with the Virginia Mortgage Relief Program and they are in need of detailed information regarding my delinquency that I have been unable to provide due to the incompetency of my current mortgage servicer. My application has been opened since XX/XX/XXXX. My intention is also to begin making payments directly to the servicer to pay down the arrearages quicker in the event that I am denied for the XXXX however, I am disputing the total delinquency amount and would like a breakdown of payments due prior to doing so. On the call today with representative 'XXXX XXXX in the Bankruptcy Department XXXX She stammered and stuttered through the reasons she was unable to provide assistance with my requests. On the first 34 minute call ( XXXX XXXX XXXX ) I was advised that the information could not be provided to me due to the active bankruptcy ... although she acknowledged receipt of executed Authorization from my attorney. On the second outbound 37 minute call ( XXXX XXXX XXXX ) she advised the reason she could not provide the information because the Post Petition Plan was not currently in effect. She argued that the reason that they can not view or obtain the information ( months currently due ), was because the bankruptcy protects the account from Foreclosure. I advised that I am aware of the Bankruptcy Protection Act, however the mortgage servicer should still be able to provide an explanation of arrearages. She offered to send out a contractual reinstatement letter but did not seem confident that the letter would provide the information requested. I am disputing the total delinquency amount and I am requesting that all arrearages for which can not be explained be forgiven. Thank you
09/23/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 302XX	Web	Older American, Servicemember
We have applied for Mortgage Assistance through the XXXX XXXX XXXX XX/XX/XXXX. We have been through HUD counseling and they have reached out to our lender via fax. We were in a loss mitigation process with them until their offer dated XX/XX/XXXX where they wanted almost {$20000.00} to restructure our loan. We had until XX/XX/XXXX to respond. We did not receive the package until the week after XX/XX/XXXX. I have a nervous disorder and the XXXX of the XXXX and our financial situation during it ; i became ill. I did have a mild breakdown in XXXX if XXXX and sought medical advice during that time. My system shut down on me. I could not handle the paperwork or the XXXX. I have handled all during our 37 year marriage. I did file the paperwork on XX/XX/XXXX and included the foreclosure papers which expedited our application immediately to the foreclosure department. We are asking that the CFPB investigate Gregory funding on their legal fees etc and handling of partial payments on our account during the pandemic and now. I spoke directly to the loss mitigation department yesterday and they are unwilling to postpone the sale of our home on the courthouse steps on the XXXX of XX/XX/XXXX. I did contact their attorneys yesterday also. I forwarded them the hardship letter from HUD where we went through counseling with them and have shown our ability to afford our mortgage now. Plus we sent the notice posted by CFPB regarding homeowners rights in the application process for assistance from the XXXX XXXX XXXX in XXXX of XXXX, and their scrutiny of lenders who do not honor the process to help their mortgagees in this process. We The attorneys told me they would speak to their client and call me back. Due to the time sensitivity of this matter ; i have previously filed a complaint during the pandemic when they tried to foreclose when the moratorium on foreclosures was lifted in XX/XX/XXXX. We have satisfied {$10000.00} of the {$11000.00} we owed them. We filed a Chapter XXXX on XX/XX/XXXX, XXXX had sale date then of XX/XX/XXXX. We had to refile a XXXX in XXXX of XXXX when my husband lost his job The Friday before XXXX XXXX. Through the two bankruptcy filings our mortgage balance increased. We will refile a XXXX to stop the foreclosure but think that is waste of XXXX Bankruptcy XXXX time attorney time and more fees added to our already ridiculous fees on our account. Thank youfor your assistance in monitoring these lenders and their unfair practices.
09/07/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA XXXXX	Web
I hereby submit my complaints on how Gregory Funding has handled my mortgage ever since itwas transferredto them on XX/XX/XXXX. Complaint # 1 I requested for Covid forbearance on XX/XX/XXXX XXXX I spoke with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX and no Covid Code had been put on my account. I asked her to escalate my request because Gregory Funding had mailed out a " demand '' letter which was going to expire on XX/XX/XXXX. I called again on XX/XX/XXXX and spoke with XXXX. She confirmed that they had received my Covid questionnaire and all supporting documents and that they had been forwarded to loss mitigation for review and processing. I also told her that my tenant had received approval for the XXXX ( XXXX XXXX XXXX XXXX ) but we were yet to receive the funds. Therefore, it made sense to put a Covid Code ( Covid Forbearance ) on my mortgage account as we waited for the funds. I am disappointed at the slow pace that Gregory funding is taking to handle my mortgage account yet they do not hesitate to send out correspondence that supports them to initiate the foreclosure process on my mortgage account. Complaint # 2 Gregory funding also mailed me monthly mortgage statements that misrepresented my suspense account balance. By doing so, they violated the Federal Fair Debt Collection Practices Act & Federal Truth In Lending Act. Complaint # 3 I received a letter dated XX/XX/XXXX from Gregory Funding titled " Notice Of Insurance Escrow Cancellation ''. It stated " As of XX/XX/XXXX, we will no longer disburse funds from your escrow account ( also called an " impound ' or " trust '' account ) to pay insurance premiums for hazard insurance because : X We are terminating your insurance escrow. Before Gregory Funding assumed my mortgage, I had an affordable mortgage payment which included taxes & insurance. As of today, my mortgage property taxes & insurance are NOT included in my monthly mortgage payment. Efforts to resolve the above complaints by phone have been fruitless due to long wait times on the phone ( 2 hour hold times ). Expected Result From Gregory Funding : 1. Covid Forbearance : Review my account for Covid Forbearance ASAP and stop my mortgage account from progressing towards foreclosure. 2. Affordable Mortgage Payment : To give me an affordable mortgage payment that includes taxes and insurance. 3. Trial Modification : Put me on a TRIAL MODIFICATION Immediately. Thank you for considering my request.
06/01/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 614XX	Web	Older American, Servicemember
I called in a complaint against Gregory Funding a few weeks ago because they were trying to auction my house. I was able to get the sale date postponed by the judge because I have an active application for the Illinois Emergency Homeowner Assistance Fund in review. Gregory responded to my complaint and said they agreed to postpone the sale ( false ) I had to hire lawyer and judge stopped it. Gregory said that they were willing to work with me if I can get the application for state program approved. Gregory said in the letter that they included a loan summary with payoff demand good through XX/XX/XXXX, but they lied -- they did not send this to me or to my Attorney and the response to the complaint was not uploaded to your site. I have included their response. I am very XXXX and facing XXXX XXXX XXXX and I have authorized a friend and my son to speak with Gregory on my behalf. However, Gregory puts them on hold for 30 minutes and when they finally get on the phone tell them they are not authorized to speak on my behalf, even though i signed the paperwork. This happened several months ago when I was trying to get reviewed for modification -- Gregory would make up a new excuse every time to deny me access to available modification and forbearance programs that are available. Gregory claims that the forbearance offer they gave me which required a XXXX down payment was the only option available. I would like to review the investor guidelines for loss mitigation and also review the performance of the tranche of loans with this particular investor to determine what percentage have been modified and what types of deals they were offered? Gregory Funding has been running a grift since they first took over the servicing of my loan, adding force placed insurance on multiple occasions, even AFTER I provided documentation that we had insurance, they did it anyway. Gregory is being sued by multiple homeowners, in fact we just got a check from a class action settlement against them. I just want them to follow through and get us the documents we need for the state. My son called them today and they said that they need a payoff demand not the mortgage statement since I am behind and they are not sending me mortgage statements. I want Gregory to work with my friend that I authorized and son to help with this situation instead of playing games so they can run out the clock and foreclose on my home
05/11/2023	Yes	Mortgage FHA mortgage	Trouble during payment process	NY 125XX	Web
I purchased my current residence in XXXX. The servicer at that time was XXXX. The service has changed several times since then with the last one as XXXX. In XXXX or XXXX of XXXX, XXXX sent a letter saying I would have a new servicing agency. This was supposed to occur in XX/XX/XXXX. I did not hear anything from the new company and when XXXX came I went ahead and made my mortgage payment to one of the companies which great hesitation. The previous companies would send a letter with contact information and instructions before the new servicing date, but this company did not. With XXXX my loan was modified from over {$1800.00} a month to {$1300.00} per month which worked out perfectly. I made an extra payment in XXXX of {$1500.00} and made all payments up until XX/XX/XXXX. In XXXX of XXXX, I received my first statement from a company by the name of Gregory Funding. Prior to that, I received a generic letter stating that they were behind in sending out the statements. When I tried to call the company I am always put in a cue of 100 to 125 callers on the line. I then noticed that my monthly payments were increased without prior notice from {$1.00}, XXXX to {$1600.00}. In addition, the company started asking for payments over {$3000.00} without an explanation. I wrote the company after not being able to reach anyone by telephone, which was sent to the XXXX XXXX address on XX/XX/XXXX with no response and a second letter sent certified return receipt on XX/XX/XXXX. This company has failed to communicate with me even with attempts made to rectify this issue. They appear to want to force me into foreclosure and ruin my credit, yet they did not reach out to me prior to XXXX to introduce themselves and provide contact information. I want my loan put back at the modification level that it was and my credit cleared of all late charges. My balance must be updated and current. However, I first would like to know if this is a legitimate company with the right to service this loan. There are some concerns because their communication is poor, which seems very odd for a legitimate business. It seems very strange that a servicer would not work with the customer to fix an issue that they created.
01/06/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WI 53216	Web
RE : GREGORY FUNDING MORTGAGE SERVICER, OF XXXX XXXX, CA XXXX XXXX XXXX XXXX TO PAY MY ESCROWED PROPERTY TAXES BY YEAR END XXXX AS REQUESTED! I'm filing a Formal Complaint against my Mortgage Servicer, Gregory Funding for REFUSING to pay my Property Taxes by Year end XXXX, as I requested several times via email, on the phone & via fax on their formal letter form as requested. XXXX XX/XX/XXXX, I faxed a formal request to my Mortgage Loan Servicer, requesting that my Escrowed Property Taxes ( that I paid on time monthly via my mortgage ), be paid by Year end XXXX, to my City Taxing Authority to ensure I receive a Tax Receipt by Year End XXXX, showing I paid my Property Taxes. On XX/XX/XXXX, I called as a follow up reminder & was advised that they will mail the taxes by the due date of XX/XX/XXXX. I advised the rep that I needed to speak to a manager in the Escrow Department to ensure me my Property Taxes would be mailed by year end XXXX. I was advised to wait until next week because they mail the taxes in batches & if I do not see that my payment was received, to call back & email Gregory Funding Escrow Department On XX/XX/XXXX, I called the City of XXXX, WI & asked if my property Taxes were paid yet. I was advised NO by the Treasurer 's Office. So, I sent an email to Greory Funding on XX/XX/XXXX @ XXXX requesting that they mail my Property Taxes by XX/XX/XXXX I called Gregory Funding again on XX/XX/XXXX & spoke to the Escrow Dept - a rep by the name of XXXX XXXX She advised me that they will mail my taxes by XX/XX/XXXX - the bill due date. I advised her that I faxed a formal request XX/XX/XXXX, & was assured by completing the tax request form, my Taxes would be paid by XX/XX/XXXX, not the due date of XX/XX/XXXX. XXXX stated that they are not required to pay taxes by year end & disconnected our call. I called back & was on hold for over XXXX hour before I hung up. XXXX XX/XX/XXXX, I sent another email to Gregory Funding- Attention Escrow Dept requesting an immediate response to the lack of customer service & to assure me my Property Taxes were paid by year end XXXX. I never received a call nor email As of XX/XX/XXXX, My Property Taxes were not paid for XXXX
04/19/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11417	Web	Servicemember
In XXXX, like so many other American families, my husband lost his job and was initially told he did not qualify for unemployment. That decision was reversed but trying to refile proved impossible. My salary was cut by 35 % beginning XX/XX/XXXX, and was not restored until XX/XX/XXXX. I sent a fax to my mortgage servicer back on XX/XX/XXXX, to which I have not yet received a response all these months later. And this was after spending 5 months trying to reach someone by phone. I filled out the forbearance paperwork that was available on their website, I gave detailed information as to why we had fallen behind and I communicated my intent to sell the house. Fast forward a few months, I have now caught up on all my payments ( the next payment due is XX/XX/XXXX ), and I was also able to catch up on my past due XXXX tax payments, which I have paid myself almost since the inception of this loan. As I was trying again to contact the servicer, they sent me a letter that I received on XX/XX/XXXX advising me that as of XX/XX/XXXX, they would start escrowing for my taxes because I was behind. I immediately called and advised that the amount they had was incorrect, and that I had also scheduled my payment for the full ( and more importantly, correct ) amount that I still owed for the tax year for XX/XX/XXXX. I was told they had already sent payment, which was not true, and when I explained that the third party that they were relying on for information had the amount wrong, Gregory Funding pretty much just shut the conversation down, and told me someone would be in touch. My payment posted, and last week suddenly a credit balance of {$7400.00} appeared on my tax account. I again attempted to reach someone at Gregory, and was told by customer service that " the legal department was reviewing '' and someone would call me back within 30 days of my original call to them. That is still a week away, and I have a tentative closing date for the sale of my home set for XX/XX/XXXX. Because of their error, they've assessed my account with a negative escrow balance and they have almost doubled my mortgage payment. I need a swift resolution on this so that I can close on schedule.
08/10/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 76248	Web
Our mortgage loan was transferred from XXXX XXXX XXXX to Gregory Funding in XXXX of XXXX. We had a forbearance in place with XXXX due to loss of income from a XXXX diagnosis. Gregory Funding has been awful. They are not recognizing the forbearance that was in place. They continue to charge us late fees every month. We have tried to refinance to stop using them and also to lower our interest rate which is 8.5 %. Through a Broker we are trying to refinancing with and XXXX they have both told me to contact you since something is not right with this Gregory Funding. The broker we are trying to use has had to try and get information from Gregory Funding because they show no payment history on our credit report and state to the new broker we are trying to use that we have been late for 13 months-on all payments, when we have not. Gregory Funding is just are not recognizing the forbearance. We are afraid of losing our house. I have caught us up on payments except for the 3 months of forbearance. The new servicer, Gregory Funding will not recognize the forbearance, so that we can move forward with re-financing our home. We can not afford our monthly payments so high and we are fearful of our home going into foreclosure. We have a lot of equity and our credit is fair, so we should be able to refinance if Gregory Funding would get their paperwork straight and acknowledge the forbearance. Gregory Funding has continued to tell us to reapply for a modification, but every time we do, they say the application is not complete and the process starts over every 30 days when all the paperwork is not " submitted within 30 days. '' The customer service department has even said on the phone the application is correct, their department which handles the paperwork says it is not. We are so frustrated. It is just not right and have no recourse. When we were with XXXX they gave me a " verbal '' loan modification where the forbearance would be put on the end of loan and interest would be reduced, etc. Sadly, I did not get this in writing since the loan was transferred during this same time. We need help and I have no where to turn. Hoping you can help us somehow?
05/05/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 94602	Web
This complaint is in regards to my current lender ( Gregory Funding ), who I have submitted several letters in order to correct the error in reporting a late mortgage payment. I have submitted several letters of proof that I am not late or have I ever been late on my mortgage. I have also had my attorney submit a letter to correct the error, Gregory Funding never responded within the 30 day legal time they are required to respond to my attorneys letter. To date the error has not been corrected and we are unable to refinance our home because of Gregory Fundings incorrect reporting error stating that I was late on my mortgage payment. I am attaching the letter I sent to Gregory Funding, on XXXX XXXX, requesting them to correct their reporting error : XX/XX/XXXX Gregory Funding XXXX. XXXX XXXX XXXX, XXXX. XXXX FAX : XXXX XXXX Subject Disputing Late Notice XX/XX/XXXX This letter is being forwarded to Gregory funding based on a letter I received dated XX/XX/XXXX. The letter states that I am behind on my monthly payment in the amount of {$3000.00}, this is incorrect and I am disputing all late fees and the amount of {$3000.00} I have never been late on my mortgage. My loan was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX, all scheduled payments were paid on time. My final payment to XXXX XXXX was made on XX/XX/XXXX in the branch. My mortgage with XXXX XXXX was in bankruptcy and discharged in XX/XX/XXXX in which a notice of final cure payment was issued from the bankruptcy court to XXXX XXXX XXXX and it states Agrees that Debtor ( s ) has paid in full the amount required to cure the default on Creditors claim, The loan is due for XX/XX/XXXX payment ( see attachment ). We received a letter from XXXX XXXX XXXX that our loan as of XX/XX/XXXX was transferred to XXXX XXXX XXXX. XXXX sent us a letter stating that our next payment would be due on XX/XX/XXXX we made a payment to XXXX XXXX management in the amount of {$4900.00} on XX/XX/XXXX. Based on my records we are current, please correct this recording error. I am requesting Gregory Funding company to correct the error and bring the loan current.
12/24/2020	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 902XX	Web
Good Morning, I have a mortgage on my property at XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX CA XXXX and the Mortgage Servicing company is Gregory Funding. This loan was in forbearance with the previous Lender ( XXXX XXXX XXXX ) since XXXX of 2020. The loan was transferred to Gregory funding also in XXXX. I did get a notice of this from Gregory funding and notified them of the difficulties of paying my mortgage during these times and requested the the continuation of the forbearance period. During the months between XXXX and XXXX i did make payments to Gregory funding. The last payment was XX/XX/2020. On XX/XX/2020 Gregory funding recorded a notice of default and started foreclosure. I immediately contacted them on XX/XX/XXXX and discussed the matter with representative. I asked why I was in foreclosure with out the correct notices provided by law. At this time the agent said they had mail returned for insufficient address. I asked them why they did not reach out to me via telephone to correct the mistake, representative did not have a response. We went over the address and what was missing from the address was the Suite Number hence the mail was returned. I immediately told the agent why do you have the incorrect address if you were given the correct address by the previous lender XXXX XXXX XXXX, No response. Gregory funding did not follow protocol of what is required by law to notify me of intent to foreclose or follow the forbearance agreement. I have spoken to a supervisor today ( Mr. XXXX XXXX and I said I am willing to clear out my savings and bring the loan current but it is not correct to include Legal fees in the reinstatement figures. He refused to make any concessions and was not willing to give me any answers on why Gregory funding was quiet/no contact with me since XX/XX/XXXX and notified me of the intent to foreclose or notify me that they had returned mail. I would like help in putting some human sense into the situation and for them to reduce the legal fees and allow me to make the past payments and keep my home.
11/19/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL XXXXX	Web	Older American
On or about XX/XX/XXXX, Gregory Funding LLC ( " Gregory '' ) acquired the servicing of the subject mortgage ( the " Mortgage '' ) from XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) ..The Mortgage was modified by a Modification Agreement dated XXXXXX/XX/XXXX ( the " Modification Agreement '' ), a copy of which is attached to this complaint. The crux of this complaint arises from the interpretation of the Paragraph 3C of the Modification Agreement, which appears on pdf page 9 ( page 2 of 2 ) of the Modification Agreement, This Paragraph provides for a {$77000.00} principal reduction ( the " Deferred Principal Reduction '' ), one third of which shall be granted in the " first, second and third anniversaries of XX/XX/XXXX '' of the Modification Agreement, " provided I am not in default of my new payments SUCH THAT THE EQUIVALENT OF THREE FULL MONTHLY PAYMENTS ARE DUE AND UMPAID ON THE LAST DAY OF ANY MONTH, ON EACH OF THE FIRST, SECOND AND THIRD ANNIVERSERIES of XX/XX/XXXX [ emphasis added ]. '' Because of a change in bank accounts, the prior servicing agent ( XXXX ) did not process the XX/XX/XXXX payment until XX/XX/XXXX. Gregory has interpreted this one late payment to constitute a default under the terms of the Modification and refuses to grant the second portion of the Deferred Principal Reduction, constituting the sum of {$25000.00} ( one-third of {$77000.00} ). Gregory claims that since the XX/XX/XXXX payment was processed three months after the due date, I was in default of three full monthly payments, even though I paid the XXXX and XX/XX/XXXX and the XX/XX/XXXX payments when due. Despite numerous telephone conversations and letters, Gregory improperly refuses to grant the {$25000.00} principal reduction. I have attached my letter to Gregory dated XX/XX/XXXX ( see the date the top of page two of the letter ), Gregory 's response letter dated XX/XX/XXXX, and my attorney 's letter to Gregory dated XX/XX/XXXX. Neither my attorney nor I have received a satisfactory response to these letters or the requested principal reduction.
04/22/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 33313	Web
Since the transfer of this mortgage ( XX/XX/XXXX ) from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX representatives have not assisted in the following umbrella of Hazard Insurance requests. Received another letter dated XX/XX/XXXX. ( XXXX XXXX Their first communication to mortgage holder was not a introduction or mortgage statement, but a request for hazard insurance - XX/XX/XXXX. There are many types of hazard insurance, mortgage holder was unsure which XXXX. This was not requested by XXXX, or XXXX XXXX XXXX. Mortgage holder sent multiple written requests for clarification. It took XXXX XXXX over a year to address the request for clarification. ( XXXX ) In the interim, XXXX policies related to the XXXX hazard insurance was sent to their vendor - XXXX. XXXX was the first point of contact, and then XXXX. Not only were the policies faxed, emailed ( XXXX ) and discussed over the phone with this company, mortgage holder requested that vendor communicated timely with Gregory Funding. Fax was sent to Gregory Funding as well for a hazard policy that expires XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ). Letters persists without response to ALL hazard insurance related written letters. The company consistently denies mortgage holder opportunity to discuss these issues since XX/XX/XXXX. Mortgage holder called again in XX/XX/XXXX and was denied assistance by XXXX of customer service. ( XXXX ) Per loss mitigation file with HUD agencies, declaration page of both homeowner 's and XXXX insurance XXXX XX/XX/XXXX & XX/XX/XXXX ) were submitted. ( XXXX ) Called XXXX and spoke with head operator who connected call to XXXX XXXX, head of XXXX XXXX, left a voice message. Awaiting call back. Operator Sup researched the email address ( XXXX ) and stated email shows associated web developer 's name. Head operator called to reach XXXX, XXXX rep, no answer. Mortgage holder was transferred to XXXX 's voice mail, left a message for XXXX, no response from Candy or XXXX.
10/05/2021	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 334XX	Web
My loan was modified after falling behind by Gregory Funding. I was bombarded with intimidating Court Documents making me feel if I did not agree to the terms offered they would proceed with Foreclosure. I was forced to retire after 37 years with XXXX XXXX and my salary was paid but reduced by more than 50 %. My mom was on the origial loan with me. We modified the loan the same way, however myself and my husband make the payments. I submitted paperwork with his name but they modified as per the origional loan. I have no idea why this was done. The deal I felt I had to take was not good but I was desperate to keep my home. I was unaware, at the time, of forebearance programs and the moratoriums on foreclosures nor did the bank mention this. I tried to contact the banks lawyer but they would not speak with me about correcting the paperwork. The loan should have been in my and my husbands name.. I thought I was applying for HAMP which I understood offers a good interest rate, especially during Covid. Mine rate is 5 %. I had to come up with XXXX in cash. I feel I was ripped off by this bank which should have given me a better interest rate and should have modified as per my application. I can not take advantage of a full homestead as the loan has my mothers name on it. She does not live her. It was as if they did not even look at the application. I havent received the permanant modfication papers yet. The only thing I have received is from the court- it has been released from lis pendens. I would like to reapply or refinance for a better rate but Covid had caused my credit to take some dings. My husbands credit is perfect. He qualiifies for FHA. Can the Consumer Protection Beureau help? Are there better programs out there? I would like to refinance to an affordable payment. My loan is just over XXXX but my payment, interest and taxes come to XXXXXXXX XXXX per month. This does not include insurance. I will start receiving a pension next month. My husband is still working.
02/16/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 337XX	Web
To whom it may concern ; My mortgage was recently sold to a mortgage servicing company, named Gregory Funding, LLC ( gregoryfunding.com/contact ). I found out that my loan had been sold when I tried to make a payment a couple of months ago. I was given no information about Gregory Funding, with the exception of a phone number. I had no information until a few weeks ago, when I received a certified letter telling me that I owe then nearly $ XXXX, by XXXX XXXX, 2021. I have created an account, using the loan number on the certified document, After logging into my account it tells me how much I owe and when it is due. However, despite both their contact page and hold greeting saying that I can, " make a payment online, 24 hours per day '' I am unable to make the payment, as my account says that the payment feature is disabled for my account. I also attempted to call to make the payment but, as always, I sit on hold for over an hour. Since then I have attempted to communicate with them the following ways : - Multiple phone calls to their customer service phone ( XXXX ) XXXX, which for the first two months went to a busy signal. Since then I call and sit on hold for at least an hour until the phone call drops. - Sent multiple emails, using their contact form, requesting them to contact me. I have received no response either vis email or via phone, from Gregory Funding. - Sent a fax ( XXXX ) XXXX requesting to be contacted, for which I received confirmation it was sent. It is beginning to seem like they don't actually want me to make a payment because they have created multiple barriers, which prevent me from doing so. I am not sure what else I can do and really need assistance with this. All I know is without speaking to someone, especially the way this company operates, I am not going to mail this large of a check in their name and hope they receive it and process it. Thank you for any assistance you are able to provide. regards, XXXX XXXX
04/29/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90732	Web
We applied for a modification but this company Gregory Funding wants to offer a forebearance. Its not to our benefit. We got a unfavorable agreement but we thought we had no other options. After paying a 3 month trial period they were to send the restructured affordable payment plan. We did not receive anything. I got a call from the shady company to continue to make the unreasonable payments until they get caught up with paperwork and send us a final work out plan. At that point we felt that was unfair and we needed help to stop this company from collecting more payments that were not part of the agreement. This XXXX XXXX XXXX charged us {$1500.00} A month for 6 months to submit. Mother application and prevent any foreclosure proceedings. They dropped the ball because by the time Gregory funding reviewed our paperwork they had already submitted a demand letter a month before they reviewed our forbearance plan. The representative called to inform us of the pending agreement we needed to sign before a certain date as there was already a demand letter sent to us but that was never done. We had to ask for the letter to be emailed, it was dated XXXX and we are in XXXX. I sent a freedom of information act letter to Gregory asking for the proof of documentation stating they have a claim to our property as it was sold several times. They were supposed to send documentation via certified mail within 20 days. To this point XX/XX/XXXX will be 20 days We have now been sent another threatening letter of foreclosure and letting us know that we can still apply for assistance through a modification packet. We are very stressed and feel nervous, Ive researched for any and all avenues to stop them from their unethical practices. There is a lot more to this and I have a lot of letters and demands that by RESPA we are entitled to information but they have not sent or responded to any of my demands.
11/21/2023	No	Mortgage Conventional home mortgage	Trouble during payment process Paying off the loan	KY 42001	Web
I was selling my property in XX/XX/XXXX, I requested payoff from Gregory Funding multiple times beginning in XX/XX/XXXX. These requests were submitted online, through email and USPS. Requests were also made by the Title Company and banks ... with no response. Somehow Gregory Funding had the mortgage ONLY in my late husbands name, even though my name is on the property title. All parties involved agreed to proceed with the sale and use the payoff amount listed on my XXXX XXXX. The Title Company also withheld {$2000.00} from the sale to cover any additional costs that may arise. Gregory Funding received the payment with documentation that it was payment in full for this mortgage... .the payment was deposited. Closing date was XX/XX/XXXX. Since this time, Gregory Funding has never released the mortgage and sends a company out every month to take pictures of the property and continues to accrue charges on the account for insurance and these pictures. We hired an attorney, because Gregory Funding refuses to speak with me until I sign a form accepting responsibility for the mortgage ... ..they are now saying I owe an additional $ XXXX on top of what was reported on the XXXX. The attorney asked for documentation on this amount and they have not provided any documentation. We tried to offer a settlement of $ XXXX to make this all go away and their attorney agreed in XX/XX/XXXX, but the updated agreement was never produced and their attorney has quit answering any calls or emails from our attorney. Mortgage on file at courthouse does not reflect any of the information that Gregory Funding has stated. They continue to send people out to the property to take pictures that has been sold for over a year and a half. They continue to send mailing to the Estate of my husband, but there is no Estate and never was. This company has caused much XXXX and stress in an already stressful situation.
07/08/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	TX 76011	Web
I contacted XXXX requesting refinancing for lower payments * XXXX instructed me to miss 3 payments for enrollment in a program called HAMP * I complied. In month three I was instructed my loan was sold and to await instructions as to on a ) who to make payments to b ) how much payments would be * After approximately 2 months I phoned XXXX, concerned about timely payments, and was told theyd phone and email me once they determined who my new lender was * I continued to save the payments and finally after approximately 3 months they notified me I would receive written notification via mail from Gregory Funding regarding : a ) who to make payments to b ) How much payments would be * Gregory Funding mailed notice to render a single payment which was equal to previous payments ( no refinance ) * I asked about refinance status and was advised I would have to render payments without an interest rate reduction until they reviewed my file * No amortization chart, notice of interest paid etc was received, in spite of my inquiry for over a year. * Note : I asked why my On Time mortgage payments were not sent to the credit bureau. They advised they were not required to, which negatively impacted my credit. ( 1 ) Complaint # 1- Gregory Fundings accounting continues to increase the principal balance on the loan, although payments were made timely. To date, they have added in excess of {$30000.00} to my loan. ( 2 ) Complaint # 2 Escrow Account Failure to Pay Taxes Gregory Funding has not paid my property taxes for XXXX as of XX/XX/XXXX, which has accrued delinquent fees, although they have funds within the account. ( 3 ) Complaint # 3 - Gregory Funding renewed my Flood Insurance policy by replacing my name with theirs. I filed a claim for damages and Gregory Funding received payment intended to pay me for damages. I still do not have payment.
05/07/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60188	Web
We are hoping that you have some power to push Gregory Funding to provide us a review for mortgage assistance on our home mortgage. We fell behind on our payments due to an unforeseen financial downfall, but are back on our feet and want to keep our home. However, Gregory Funding isnt providing us with the guidance we need to ensure that we can resume making payments on our delinquent mortgage loan. Something is amiss with their representatives as they seem to not care about whether or not we keep our home. We have tried repeatedly to engage them in discussions about a loan modification or forbearance, but our requests are falling on deaf ears. Our mortgage loan qualifies for mortgage assistance and our mortgage payment is affordable, but we can not seem to get the communication going with Gregory Funding. When I did speak with their staff to obtain some assistance, I was treated very rudely. Last year my family had some very serious health issues which cost me almost {$40000.00}. We had to make a choice between taking care of my familys health or fall behind on my mortgage payments. It is unfortunate that we had to become delinquent on the mortgage payment, but we are ready to get our loan current and start making payments again. We tried to be proactive and address this issue and figure something out, but their staff hasleft a bad taste in our mouths and have obstructed us. We feel we have never had an opportunity for review, have never had an opportunity for a real discussion on how to fix our delinquency and feel we have never been given any options other than foreclosure. We have read a lot about how homeowners get helped through a modification or forbearance and are interested in either option that will keep us in our home. We are not sure if you can help, but we believe that you are the right agency to oversee their actions.
05/28/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 080XX	Web
We purchased our house without any knowledge that the property had issues with severe flooding and have made several attempts to make several of the mortgage companies that we have had over the years. Apparently severe flooding issues with a property do not matter much. One of our mortgage companies was XXXX XXXX after we provided kondaur with photos of the flooding and at the end of the day we wound up in a forbearance agreement which we completed in hopes of having a more affordable monthly mortgage payment but after we made our last foreberance agreement payment our mortgage was promptly sold to XXXX XXXX and after still having issues with property flooding yet again we are being asked to do another forbearance agreement for 24 months and we would be doing this WITHOUT the knowledge of what happens after the 24 month period. Instead of this company offering us a realistic and affordable way option to get on good terms they have all Of our financial information and are well aware of our financial capabilities. So in short we are interested in some kind of resolve that would be realistic and actually allow a family of five 3 of which are in school from elementary school thru college we also WANT them to come and physically come and inspect the property so they can justify the value they have placed on it. We think that XXXX XXXX l deceived XXXX XXXX when it was purchased we seriously very much doubt that XXXX disclosed the flooding issues this property has. And if in fact that is the case that would mean that XXXX XXXX would have a legitimate Compliant that they could pursue with XXXX XXXX . When you view the photos that are uploaded for review we like someone to explain and justify NOT being able to come to A Reasonable solution.
07/15/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 75217	Web	Older American
XX/XX/XXXX contacted Gregory Funding regarding taxes not paid and return of my escrow monies. They had not paid my taxes when they took over the loan on XX/XX/XXXX per documentation attached. There was enough in escrow at that time as the escrow was also transferred. I contacted Attorney XXXX XXXX and she had a hard time communicating with them as they were telling her she could not speak on my behalf even with me in the room giving permission. She was told in Texas that is against the law. However I did send them by fax, mail and portal a third-party authorization letter. Even with the letter they refused to talk to her. Our main thing was to get the taxes paid, find out who is my mortgage lender since Gregory Funding states they only service the loan, and return my excess in escrow funds. GF finally paid the taxes a day before legally Texas could of placed my account in foreclosure as they knew it would take a day or XXXX to process. Gregory Funding is very hard to contact. At XXXX am I am the XXXX caller. XXXX XXXX from Gregory Funding said my escrow would be in review in XX/XX/XXXX, however, that is over a year from having my account transferred to them. These people are not professional, and told me " well the taxes are paid now, everything is okay '' as if I was just to accept when they paid and be quiet. Also Gregory funding stated that XXXX held my mortgage, but they would not respond to attorney 's inquiry. Copy of attorney 's email to them is also attached. I also make additional payments to principal, but they put all extra monies into escrow and what they call an undetermined account. If I ask for monies to go to a specific place i.e. principal, then that is where they should go.
08/28/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 75115	Web	Older American
My husband and I were advised by our attorneys to vacate our home and let it go due to our not having an escrow account and we owed XXXX in back taxes. We did have an escrow account because our insurance was paid there as well. We had been paying on our bankruptcy case for XXXX XXXX years. I contacted our mortgage company XXXX, then XXXX XXXX to see if there was anything we could do, to try and make any money out of our lost. XXXX said we could try a Short Sale. We could list the house at XXXX, our listed balance is XXXX. If we did not sale the house, we would get XXXX if we moved at the end of that posted period. The house did not sale and we moved into an apartment. We did not get the XXXX. Within a week, we received a letter from a new lender/mortgage company, Gregory Funding. I have called them to ask what we can do, is there any way we can move back into the home and continue with our payments? The only comment they 've made is that we need to provide insurance for the house. Our lawyers say we do not, since it has been surrendered in the Chapter XXXX. We get a bill each month from Gregory Funding for the house. Is it possible that our paperwork during the Bankruptcy has not been properly filed? We know our lawyers did not have our best interests in mind. We XXXX the lawyers two times ( due to their error XXXX to save our home. Since we left that home, XXXX 2014, it just sits there. The garage is open at various times. That was our dream home. Our preacher came over to say blessings the day we signed our paperwork. Our plague reads ... XXXX is the head of this house, the unseen Guest in every room. I pray to you for help.
08/01/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91739	Web	Older American
We have attempted to modify my mortgage that was serviced originally by XXXX XXXX and most recently with XXXX XXXX. I have called XXXX to help us with our modification to keep our home. We provided all the documents that were requested. On XX/XX/2019 we received a letter from XXXX XXXX thanking us for submitting a request to be considered for our loss mitigation programs. They state they were submitting our application to underwriting. We do not need to submit more information at this time. If they need more information they will send a written notice of the additional requirements. They will contact us within 30 days. However on XX/XX/2019 we have received Late Payment notices with late charges as if we are not working with the lender. The delinquency notice states that they have made the first filing or notice to commence foreclosure of this loan account. We received a letter from XXXX XXXX on XX/XX/2019 regarding : Loss Mitigation Review and the Loan Modification was Denied. The letter states the reason not eligible for forbearance or a loan modification agreement because : I did not submit sufficient information for them to review the application before the deadline and to see previous letter that was sent to me. What I received I did send to XXXX and they said they forward everything they asked for to XXXX XXXX. We are not eligible for a Short Sale or Short Pay resolution because they have concluded the property value upon sale should be enough to pay the outstanding loan balance in full. I would like my information reconsidered for better options to keep our home.
10/03/2023	No	Mortgage Conventional home mortgage	Trouble during payment process Payment process	OR 975XX	Web	Servicemember
In XXXX of XXXX after filing another Complaint see XXXX with CFPB. I was approved for the XXXX XXXX XXXX XXXX After months of underwriting I signed Document for this Federal Program on XX/XX/XXXX. The Default amount was not paid to Gregory Funding, HAF stated Gregory Funding LLC is refusing funds. Gregory Funding says HAF never sent money, I have received another letter with Intent to foreclose if not reinstated by XX/XX/XXXX. I was approved for up to {$60000.00} and a lien has all ready been put on my property. This would included all reinstatements, plus I was approval for additional 12 months of Mortgage payments through this Oregon Housing Assistance Program. The Amount on my mortgage statement on XX/XX/XXXX was {$14.00}, XXXX to reinstate loan. HAF says a payment of {$10.00}, XXXX was disbursed on XX/XX/XXXXXXXX XXXX XXXXXXXX which was refused by Gregory Funding LLC on XX/XX/XXXX {$1300.00} for XXXX Payment XXXX was excepted ID XXXX on XX/XX/XXXX {$1300.00} for XXXX Payment XXXX was excepted ID XXXX on XX/XX/XXXX {$1300.00} for XXXX Payment XXXX is still pending no explanation no further payments made by HAF. they say Gregory Funding is refusing, or account number has changes or its an internal issue. Each month is a different excuse. Gregory funding says they received an XXXXXXXX on XX/XX/XXXX from HAF saying a payment of {$11.00}, XXXX was on the way. This was never received. The amount due on my Mortgage Statement at that time was {$16.00}, XXXX XXXX Escrow shortage. to date total Due over {$24000.00}, XXXX .... This programs is part of the CARES ACT
10/11/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60487	Web
In XXXX, 2019 our loan was sold to Gregory Funding from XXXX. At the time of the sale of the mortgage our payments were made timely. Since Gregory Funding assumed the loan, there have been significant issues for which we have contacted Gregory Funding in writing and have not been able to reach a conclusion on our concerns, which include : - After assumption of the loan in 2019 Gregory Funding indicated that we owed over {$5000.00} and we have not received documentation as to why - Gregory Funding increased our loan payment by {$1000.00} creating a payment we could not afford - We have had to pay homeowners insurance on our own because Gregory Funding will not pay this from our escrow - Our payments to Gregory Funding in XXXX, 2019 and XXXX, 2019 were made to interest only causing us to consistently be 2 months in arrears on payments- We continue to accrue late payment charges every single month because of Gregory Fundings lack of response While we acknowledge that some of our payments were late, most at the beginning when we were trying to get the payment corrected, which never happened. We ended up continuing to payment the previous payment amounts. We have attempted almost monthly verbally and several times in writing on getting this issue rectified to no avail. We are hoping to get some help in getting our mortgage to a good place so that we do not constantly have this issue hanging over our head. Any help you can provide to us to act as a liaison with Gregory Funding to understand the status of our loan and an amenable resolution would be greatly appreciated.
04/20/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33025	Web
I requested forbearance in XX/XX/XXXX before my loan was transferred from XXXX XXXX to Gregory Funding. At the time my loan was transferred to Gregory Funding, it should have still been in forbearance. I applied for a modification with them, but I have not gotten an approval as yet, so therefore my loan should have remained in forbearance. However, on XX/XX/XXXX I got a notice that I'm in Loss Mitigation, which is incorrect. It said that I was more ten 4 months behind. I can not be in forbearance and loss mitigation at the same time. I should not be in Loss Mitigation because my loan should still be in forbearance until I reach a loss mitigation agreement with your company. I spoke to a manager XXXX today XX/XX/XXXX who advised of my monthly payment due in the amount of {$940.00} -- he also said my loan was out of forbearance for which I have received no written notice. The person working on my account is XXXX XXXX who I have not been in contact with. Per my conversation with XXXX, I intend to make that payment immediately. Therefore, I need Gregory XXXX to present a Loan Modification agreement which takes me out of forbearance. In addition, I need my account updated to show that none of my payments should be listed as late as I should still be in forbearance. It is very difficult to get someone to speak to at this company. There is a lot of conflicting information given and other times a complete lack of communication. If I do get a chance to speak with someone at this company they give me misinformation. I need these discrepancies rectified. XXXX XXXX
01/07/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30263	Web
I didn't think it would ever escalate to this point, but the mortgage servicer on our house, Gregory Funding LLC ( in association with XXXX XXXX XXXX XXXX ) has declared a foreclosure and is directly violating federal law. They have claimed falsely that we have not paid the mortgage in over 2 years, starting from the beginning of 2020. They continually send back checks and refuse to let us pay them, then claim we missed a payment. They have repeatedly refused to look at the evidence and bank records I've given them. I've submitted full bank records to them now 5 times, and they keep saying they'll get around to it, but never do/did. They have repeatedly refused to acknowledge or investigate where they came up with saying that my family is in XXXX $ dollars in debt. It came from nowhere. The dollar amount keeps changing randomly, and now sits at {$45000.00}. They have repeatedly failed to comply with information requests. They have twice now raised the mortgage from XXXX, to XXXX dollars, to nearly XXXX dollars on a FIXED RATE mortgage where the amount hasn't changed in over 20 years! They have now suddenly began to escalate after 2 years of waiting! We have done everything on our end, provided proof, called, demanded, sent mail, sent emails, nothing has worked! They are refusing to cooperate, refusing to listen, and are threatening to illegally steal and invade our home despite us making payments on it for over 20 years. Please. I do not want to lose my home illegally. Send someone. Do something. Anything. This is a cry for help and a dire emergency.
08/05/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OR XXXXX	Web
The Agents/Representatives/business doing business as Gregory Funding has been misrepresenting and demanding exorbitant fees/charges under the threat of foreclosure and a term called forbearance. Attached is evidence showing that this company has intentionally misrepresented my regular on time payments ; and applied shocking tactics under pressure to force compliance with demands for large sums of money, $ 21,000+ first ( paid XX/XX/2019 ) and now {$17000.00} under what they term delinquency and late payment. Further to this fact, they/ their collaborators have placed an advertising on a real estate service indicating my home is up for sale listed as a distress sale. I have been getting calls and mail for many months from individuals attempting to buy from me. Recently I read that XXXX XXXX County is a hotbed of white collar crime. This is a very good testimonial of that declaration. Examples of their targeting my financial situation : 01. Filing Erroneous Notices of Default 02. Affidavit of how Gregory Funding has documented my payments 03. Affidavit from my bank proving Regular Payments 04. Them/their agent placing my home on real estate service as a distressed sale 05. Intentionally discounting my payments and listing them as delinquent 06. Multiple calls to force compliance with usurious forbearance contract ( s ). a. to my cellular phone ; b. to my aged parent phone to purchase my home at distressed sums ; 07. Evidence of the new demand for payment. I am requesting an investigation and remedys to correct/relieve this distressing wrongdoing.
03/07/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MD 20772	Web
Today at XXXX My name is XXXX XXXX owner of property located at XXXX XXXX XXXX XXXX XXXX Maryland XXXX the county XXXX XXXX County. The name of my servicer is Greggory Funding LLC and my loan number is XXXX. In RE : Estate of XXXX XXXX XXXX. I am filing this complaint due to Mortgage Fraud, Negligent Lending, Breach of Good Faith and Fair Dealing and Breach of Fiduciary Duty. 1 ) I have been denied mortgage relief for the last XXXX. 2 ) I have n't received any meaningful temporary or permanent mortgage assistance in the last 24 months, servicer keeps increasing the late fees and penalties associated with my account yet refuse to offer mortgage assistance programs. 3 ) Lender is clearly steering me into foreclosure because they tell me the only option available is for me to pay arrears in one lump sum payment. I am approximately 65 months behind on my mortgage, how do they suppose I come up with that kind of money? Surely this can not be my only option, is it? 4 ) My lender has scheduled a Foreclosure Sale Date XXXX/XXXX/2016. I stopped it with a Chapter XXXX Bankruptcy I demand that lender halt any and all foreclosure activity in order to review and resolve this complaint in a manner suitable to both parties. 5 ) I believe a proper resolution will be to lower my payment to something reasonable I can afford on a monthly basis. 6 ) I asked Greggory Funding LLC for Proof of Claim showing that they have something that I signed showing or made a consideration for owing a debt to them I got nothing showing the debt they said I owed them anything.
11/05/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IA 50320	Web
Hello, on XXXX I submitted a complaint to Gregory Funding and copied multiple agencies that may assist with the complaint, which is how I got Consumer Financial Protection Bureau ( CFPB ) information from FDIC 's Office of Ombudsman. Gregory Funding purchased my mortgage from XXXX in XX/XX/2020. I made the XX/XX/2020 payment to XXXX in XX/XX/2020, then XXXX forwarded the payment to Gregory Funding. To date the XXXX payment is not applied by Gregory Funding because they claim XXXX did not send the payment. Proof of XXXX mortgage payment by me to XXXX and proof of XXXX mortgage payment wire transfer from XXXX to Gregory Funding was provided to Gregory Funding on XXXX to, but to date the XXXX mortgage payment is not applied. In short, two companies are in dispute of money sent and money received, but for me as the consumer, I am out an entire mortgage payment, accumulating monthly late fees, reflecting my credit report, and Gregory Funding is withholding an escrow surplus check because my account is not current, which is incorrect. I have made multiple attempts to resolve this matter with Gregory Funding and this process has become labor intensive with no resolution yet. Please see attachments which are the XXXX complaint sent to Gregory Funding with detailed information about this complaint. In this attachment to CFPB I am including everything that was sent to both Gregory Funding and XXXX, specifically proof of XXXX payment on loan history statement. Thank you in advance for your assistance with this matter. Sincerely, Consumer
04/25/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 90732	Web
Starting way back in of XXXX. I was laid off from my position at work due to the impact of Covid in my industry. We fell behind on our mortgage payments. In working with our lender. Both parties agreed to a 6 month payment plan. After which the 6 months of mortgage at a higher monthly payment was made. We were returning to our original monthly mortgage payment. The monthly mortgage payment was not adjusted back to our original payment. The lender stated that we are still under review and to keep making the payment at the higher rate until notified. This was not what we agreed upon. We hired an a Law firm to argue on our behalf. We went through the whole process again. Instead of paying the lender. We were now paying the law firm. We finally received a loss mitigation letter. I received the letter on XXXX XXXX. The lender decided on a large upfront payment due on the XXXX XXXX. Then a larger monthly payment for the next 6 months. Not stating anywhere on the letter when we will be approved. I have requested a copy of our original loan agreement by certified mail and email to the lender with no response. There are other practices like not receiving a demand letter from the lender. When the demand letter officially started. A hard inquiry of our credit reports without any permission. That I believe to be incorrect. We have submitted every item requested and continued to keep up with current request from the lender. This whole time we are falling more behind on what we owe. When were in an agreement that was not held up by the lender.
12/04/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 440XX	Web	Servicemember
In XXXX we received a statement from our newest loan servicer Gregory Funding, LLC ( our loan has been transferred 3 times in the past year ) that our monthly payment was increasing by $ XXXX. I called to inquire about the increase and after waiting in their que for XXXX minutes, I was told that we have an escrow shortage of {$100.00} from our previous loan servicer XXXX XXXX XXXX. I asked why that would create a $ XXXX increase to my mortgage payments and she replied Because you dont understand escrow and your previous loan servicer was not paying your homeowners insurance to XXXX XXXX. Not true. The call then abruptly disconnected. I can assure you I did not disconnect the call. Since then I have seen numerous similar complaints on the XXXX website about escrow and unethical behaviors by Gregory Funding. When you call this company there is an extensive wait time, and when you are finally able to speak to someone, they can not provide legitimate answers. I am very concerned about how this company operates. They never sent us anything in writing detailing the substantial increase to our monthly payment. We worked out new terms with our previous mortgage company XXXX XXXX and have been told that if the loan is sold they can not just alter the terms at will. We have been dragged through the mud by predatory mortgage companies in the past which is why we are in the situation we are in now. XXXX years in our home and a mortgage XXXX times what we borrowed originally. Have never borrowed equity.
10/19/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Problem with the payoff process at the end of the loan	CA 91360	Web
We have been trying to file a complete package to get a loss mitigation with Gregory funding for the last year and a half. Every time we reach out we have to wait XXXX XXXX to XXXX hours on hold to hear which document they can not read or can read, depending on the individual who answers. They are avoiding helping us get the XXXX XXXX XXXX XXXX, which they are listed on as a Lender on the pull down list. We have equity in our home and every time they have again and again said that they can not read this document or this letter ect. I have a third-party nonprofit that has fax, uploaded on the website and emailed. Gregory funding has denied us from saving our home. We hired a lawyer and since the last 2 weeks now they have receive the loss mitigation/loan modification package, everything illegible every single page complete, but we are too far behind. They will not except our package due to a high pass balance, and denial of which they have pushed off and avoided to help us since covid. We have fill out every form they have ask for and upload and called multiple times a week. I have also requested phone records and submission packets and havent received any response. They locked me out of my account so I could not upload any documents, said it was under construction. Gregory funding is taking a vantage of our family of XXXX, please do not let this company continue to push families out of their homes and communities. Sincerely, XXXX XXXX
04/15/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33025	Web
My mortgage was sold to this company last year. I applied for a modification in XX/XX/2021 and sent in all requested documents. I have not been hearing back from the company. Every time I call I am told I will get a call back and there is no follow-up. In the meantime, the unpaid forebrearnace balance has been growing. I called them today and insisted on a call back and the person told me I didn't qualify for a loan mod because I didn't send in the requested documents, which is not true. I have the email that I sent to them. They said they sent me a notice of missing documents, which is also not true. Then the man kept pushing on me another program because I failed to qualify for loan mod and said if I didn't accept today they would send my file to loss mitigation. They declined to defer the loan balance, which is what I requested in my application. They are going to recapitalize the loan which makes my payments balloon. If I couldn't pay my mortgage before how will I manage an even higher payment now? They're giving me no reasonable options to save my house and giving me information in a rushed phone call and expect me to accept their terms, immediately. I'm not ebbed sure what the man was trying to explain to me. In the meantime, the deferred/owed balance is continuing to grow. I did send all the documents required in XXXX, they're trying to scam me and trap me into a higher payment which I can not afford so I will end up losing my home.
02/10/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 94611	Web	Older American, Servicemember
In early XX/XX/2020 I reached out to Gregory Funding for mortgage loan assistance related to the Covid19 pandemic. I was offered and completed a loan modification application. After some sporadic communication I reached out via fax in XXXX and XXXX to request a call back. I received a call that the application was in process. On XX/XX/2020 I received a letter that the modification was declined. On XX/XX/XXXX I requested the review the modification because the income information they verbally told me they used on the phone was incorrect. I sent the reconsideration letter on XX/XX/XXXX. XXXX XXXX was my single point of contact but they do not and have not provided me my SPoC 's phone or email address. On XX/XX/2020 I called in ( a Thursday ) I was told that the modification was approved and " I would receive details by the following Thursday at the latest ''. I have not heard or received anything since then. I've called and was on hold for 44 min and when I spoke to a rep I was again told someone would call me back with details. On XX/XX/XXXX I sent another letter again asking for an update on the modification as it's been 3 months. I sent yet another letter on XX/XX/XXXX again asking to please update me on the status of the loan, by mail, phone or any way at all. To date I have not heard anything back from Gregory Funding since XX/XX/2020. I do get the monthly statements but no update on the modification
12/08/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Escrow, taxes, or insurance	PA 190XX	Web
Received notice from tax collector in XX/XX/XXXX that they never received payment for school taxes. After reviewing online mortgage statements I saw tax payment was deducted from escrow account on XX/XX/XXXX for school district taxes in the amount of {$4900.00}. I called tax collector and they confirmed it was never received. I called mortgage company approx. XX/XX/XXXX and explained situation. Gregory fund customer service said they are very busy and will refer message to escrow department and should be taken care of within a week. I called the tax collector a week later and they never heard from mortgage company nor did they receive payment for school district taxes. Finally got through to mortgage companys customer service again on XX/XX/XXXX and they told me it was paid on XX/XX/XXXX. They were to send me ( email ) a copy of distribution letter to show the county taxes were paid. Instead of a distribution letter, I received a the Escrow account statement showing money ( XXXX ) was taken out on XX/XX/XXXX for school district tax payment and on XX/XX/XXXX the transaction was voided and the {$4900.00} was added back to my account. I called again on XX/XX/XXXX and asked to speak with someone from the Escrow department and they said its not possible but they will once again escalate the process. Since the Escrow department didnt pay taxes when due there are a total of 12 % in extra fees and penalties.
06/09/2015	No	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 34741	Web
A recent check on the XXXX XXXX XXXX XXXX XXXX found a foreclosure case filed against me by a Gregory Funding/GREAT AJAX OPERATING PARTNERSHIP LP. There were motions submitted for approval and hearings held on this case without being served or even a summons being issued by the court. I spoke to the attorney of XXXX XXXX XXXX XXXX XXXX and asked that he cease and desist because there was fraud being committee upon the court in this file and to cease and desist all actions against me because I do not owe this debt. The original default on this debt was in 2007 which in the state of florida puts this out of the statute of limitations. I do not owe this debt to this company even if that was possible without fraud being committed it is out of the statute of limitations. I plan on contacting every federal state regulatory agencies including the bar to complain about this attorney moving forward with fraudulent documents for his client. I am willing to take this to the supreme court if I have to because I do not owe this money to this entity. I have no idea who they are and I will not pay an entity that will try to strong arm me to pay by abusing me and the judicial system. This is a notice of error and to cease and desist foreclosure efforts because I do not owe this debt. They are in violation of Tila Respa FDCPA and Dodd Frank. I will make sure that all agencies are apprised of their fraudulent actions.
05/08/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VA 23513	Web	Servicemember
Mortage company will not stop ignoring me. Was forced into a bankrupcty that should never have happened in XXXX due to false billing. They refuse to answer any and all questions relating to the bankruptcy. But I am not calling to discuss the bankruptcy. I want to know why they refuse to pay my property insurance. It is incluoded in the monthly mortage payments. My home insurance defaulted and I had to pay it out of pocket. I cant ask them why since they refuse to answer any questions saying I need a 3rd party lawyer to contact them. Again I am not calling them in regards to the bankruptcy and they keep hiding behind that excuse. I am calling about the mortgage. The bankruptcy lawyers do nothing or s ay they dont believe me. I have the phone calls on recording leading up to my insuarnce being defualted due to the mortgage lender. Been ignoring me on this situation since XX/XX/XXXX. This is one of dozens of examples of harrassment Ive had to go through due to the mortageg lender either lying about information or simply black listing me and refusing to answer any questions due to there own actions, Mortage company also stated they can remove any money owed to me every 90 to 60 days. Why would they even say that? Its there responsiblility to pay the home insurance. They are trying to sabotage my home loan. The forced bankruptcy was due to them lying as well and false billing me.
01/21/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 94591	Web
In XXXX of XXXX my loan was with the company XXXX. During that time I was approved for a Forbearance program that would allow me to not make any payments for 180 days ( Document enclosed ). In XXXX of XXXX I started making my payments again ( Document enclosed ). I continued making my regular payments with the understanding from XXXX XXXX that forbearance balance would be added to the end of my loan. Since that time my loan was sold to Gregory Funding. They insisted they picked up my loan in XX/XX/XXXX it was delinquent and due for all subsequent installments even though I was in the forbearance program. For the past 5 months I have been trying to get re-fiance with XXXX XXXX. This process has been held because besides the amount of the loan of {$310000.00}, Gregory Funding is demanding an additional {$11000.00} for the forbearance balance and additional fees. XXXX XXXX specifically stated I would be charged any fees while i was in the forbearance program. Now Gregory Funding sent me a letter stating this " Mystery '' fee is due to when my loan was owned by XXXX in XXXX. My loan has been sold 4 times since than and this " mystery '' has never been mentioned by any of the other companies that owed the loan. I have researched Gregory Funding and there has been numerous complaints to the XXXX XXXX XXXX with customers complaining about this same situation once Gregory Funding got a hold of their loan.
08/31/2023	No	Mortgage FHA mortgage	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	SC 297XX	Web	Servicemember
Recently, Gregory Funding had increased my Mortgage payments almost by a 100 %. I underwent XXXX XXXX in XX/XX/2022 and had a major setback in my health particularly my mental health. I had to relearn many thinks including speech. I am the sole person that handles my family affairs and this setback caused a major financial hardship for me. To make matters worse, Gregory Funding has doubled my mortgage payments to over {$1300.00} from $ XXXX monthly. The increase in mortgage is partly due to an error in my escrow account. Gregory Funding had allowed two insurance companies to bill me for home insurance. I have send a notice of error letter to demand and investigation to review this matter. I haven't heard from them even after bringing it to their attention months ago. Currently, I receive military XXXX and Social Security and is on limited funds. Have a just recently missed a few payments and Gregory Funding is quick to submit my mortgage for Foreclosure without offering or giving me the opportunity for Loss mitigation. My Balance is around {$80000.00} on a {$660000.00} value home. They seem very eager to take an advantage of me and foreclose my home during my time of hardship. The servicer has not informed me in writing about loss mitigation options that might be available. They are adamant about moving forward with foreclosure. You help in this matter will be appreciated.
08/21/2023	Yes	Mortgage FHA mortgage	Trouble during payment process	IL 60637	Web	Older American, Servicemember
In 2017, my FHA mortgage was {$860.00} monthly. My mortgage payments began increasing with no explanation. The mortgage service was XXXX XXXX. After many calls and no answers given, I hired legal counsel. My Attorney, checked my recorded mortgage and found that U.S. Bank had changed my mortgage from FHA to XXXX. This was done without my knowledge, permission or signature. The mortgage increased to {$3500.00}. I could afford the payment but, after finding out what the bank had done, I stopped payments. Knowing my mortgage was FHA, there are Federal rules that have to be followed. The bank did not follow the FHA guidelines. Instead, they chose to start foreclosure proceedings. My Attorney fought this to no avail. The Bank never produced a signed document. Yet without admitting their wrong doing, their excuse was, we are not located in the same state and could not carry out the face to face meeting. If this had taken place, my property would not have been foreclosed and sold at the auction. I now have filed a Federal Law suit against U.S. Bank, XXXX XXXX. Their commitment of Fraud has caused serious harm to me and my family. I am filing this complaint at the direction of a Attorney. U.S. Bank has committed Federal Fraud. Also, my property is located in a area that is being gentrified. Very close to the XXXX XXXX. I know I can't be the only person this has happened to.
02/22/2022	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 322XX	Web
I had a COVID-19 loan forbearance with XXXX that was set to expire on XXXXPrior to that date a company called Gregory Funding bought the loan . In XXXX I contacted them prior to the end of XXXX by phone ( very difficult company to deal with they have 6 hour hold times on average ). I was told that I would be put on a streamlined program which would basically have me start making my normal payments of approximately $ XXXX as usual. I didn't hear from them for over a month then received loss mitigation paperwork. I contacted them by phone again in XXXX and was told to fill out the paperwork and that even though my loan is an FHA loan Gregory Funding does not have to follow federal guidelines because they are not an FHA company. I asked to speak to a supervisor and was told one would call me back. That has not happened. In the meantime I have received a 'notice of intent to foreclose ' letter and they intend to foreclose on my house on XXXX XXXX. According to your website the company needs to work with my to offer a payment solution and can not simply ask for me to pay the entire sum as a lump sum. However that is exactly what they have done. I believe that Gregory Funding is a predatory company that is specifically targeting houses in Florida trying to take advantage of consumers who utilized the federal COVID-19 forbearance program. Please help me.
10/26/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 331XX	Web	Servicemember
I am in the process of refinancing my current mortgage, which is with a company named Gregory Funding. The new mortgage company had requested a 30 day payoff on 3 different occasions and on each of the last 2 occasions Gregory Funding sent the same mortgage payoff which expires in less than 30 days. When I called them to request a new payoff, I was told it would take up to 7 business days for the payoff to be generated. They also informed me that they would not be sending a new mortgage payoff until the original one expired. When I asked them who regulates your company I was told the same people who regulate mortgage servicing companies. They refused to tell me who regulates them, and only after asking for a supervisor and I informing him of the problem with the payoff request, and he informing me that they will send the same payoff even though a new 30 day payoff had been requested. That they would only send the original one until it has expired. I was told that they are regulated by RESPA, and he refused to tell me the agency name. This company placed me on hold and played a recording before they could talk to me about them being a collection agency, and a lot of information about bankruptcy. They sounded and treated me like a collection agency would very unprofessional and not like my Bank or any other Bank I have dealt with in the past.
01/07/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MD 20744	Web
we have a construction loan since we bought the house and the land in XX/XX/XXXX first with XXXX XXXX 's Federal Savings bank in XXXX XXXX Maryland we got behind in payments after lost Job in XX/XX/XXXX and XXXX XXXX 's XXXX XXXX XXXX refinanced us to a lower interest rate to lower payments and then the other spouse lost her job in XXXX and our payments of XXXX was replaced back into our loan to catch us up but after the bank sold our loan to Gregory Funding who we think are a group of investors-that took the loan over added back the XXXX plus all the added arrears on to the loan. My husband is working full time as an XXXX and we have extra income due to my father who is a vet living with us we are now able to afford our home but after mediation with Gregory Funding they are demanding we pay the XXXX plus an extra XXXX including the mortgage payment of XXXX or they will foreclose on our home that mediation was done on XX/XX/XXXX they said they will contact us in 30 days for a final option from us it 's now XX/XX/XXXX and we are getting nervous cause we have not heard from them and we do n't want to lose our home Gregory Funding only has a XXXX XXXX XXXX XXXX XXXX we do not have XXXX in funds to catch this loan up and what they are asking from us is not workable to help us stay in our home something seems very suspect with these investors.
04/23/2023	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	IL 60406	Web
My mortgage account has been placed in foreclosure. I was not made aware nor did I sign any notice of foreclosure documents. I did however, become aware on XX/XX/XXXX after attempting to make a payment towards my account as well as a letter from an attorney dated on XXXX XXXX requesting for full payment of my mortgage account balance. My account is also suspended which is preventing me from making payments. My account was sold of to Gregory Funding. When I got notification and called to see where I should submit payments I was instructed to wait because they were still in process of receiving all of my account details. This occurred sometime in XXXX early part of XXXX. I spoke then at that time with a representative and explained my circumstances and I was left with the impression that my account would be noted what I share with the gentleman. I later ended up submitting a partial payment two over the course of them taking over my mortgage in XXXX and XXXX. Here it is XXXX and my account is suspended and in foreclosure. Beginning in XXXX of XXXX I was out of work for XXXX XXXX months, lost my mother unexpectedly that XXXX and XXXX months prior to that my grandmother passed away. Both of whom I lost due to XXXX. It was a difficult time and still is. Also my payments that I did submit have not been applied to the outstanding balance.
11/05/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PA 19131	Web
My loan was transferred from XXXX to Gregory Funding on XX/XX/2021. I was concerned about this transfer because I was in a Covid-related Forbearance program that I needed to extend after XX/XX/XXXX, so I tried to reach Gregory Funding about getting this extension. I finally reached a representative on XX/XX/XXXX who told me she would begin the process to extend the forbearance, and she asked me a lot of questions about my ongoing Covid-related hardship. Then I received a letter from Gregory Funding dated XX/XX/2021, stating I had asked for a hardship extension, and giving me instructions on how to complete that request. I completed the hardship questionnaire that was included with the letter, as well as a hardship statement. My lawyer submitted the packet via email as instructed in the letter from Gregory Funding on XX/XX/2021. Since that submission, I have not been able to reach Gregory Funding. Every time I call, I am asked to wait on hold anywhere from 1 hour 25 minutes to 2 hours 50 minutes before I can speak to a representative. I havent gotten any correspondence from Gregory Funding about my hardship and forbearance application. I have instead gotten bills and statements from them telling me that I am behind and they are continuing to add late charges and fees to my account. I am very frustrated about this. I feel helpless.
03/26/2020	No	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NJ XXXXX	Web
I have called Gregory Funding repeatedly over several years for their assistance in refinancing a 7.5 % {$860000.00} mortgage. They refuse to offer assistance at all. The say to go to another bank and refinance with them. This is a loan that was originated during the housing crises. The government has provided many different programs to consumers to refinance such loans, however, due to my low income, I can not get approved anywhere for a refinance. Gregory Funding holds this mortgage NOW. They refuse to even assist with lowering the 7.5 % interest rate when mortgages rates in todays market are between 3.5 - 4 %. My credit is excellent. Despite many obstacles ( housing crises, financial crises, medical issues, unemployment, hurricane Sandy, etc. ) I have remained steadfast in paying Gregory Funding over {$7000.00} a month for this mortgage. The least they could do, is assist me with locking in a lower rate. There are also issues with them placing insurance on the property when I already have sufficient insurance. They never answer their phones, except at the end of the month when payments are due. I do not understand how Gregory Funding gets to choose if it wants to comply with mandatory debt relief programs for people with predatory loans. Please please offer some assistance, if anything, with a lower interest rate. Thank you.
01/19/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 193XX	Web
Hello, My name is XXXX XXXX is live at XXXX XXXX XXXX XXXX, PA. Recently in the past 1.5 months I received a letter from XXXX XXXX that our home loan was sold to XXXX XXXX XXXX XXXX CA. The customer service number is XXXX and our new loan number is XXXX. I had trouble paying my XX/XX/2019 mortgage payment ( wanted to pay before the 10 of the month to avoid paying a late charge of {$120.00} ). I telephoned XXXX XXXX and they said to wait the mortgage was still in the process of being transferred. I paid my monthly mortgage XXXX at an interest of 7.1250 % ( robbery ) on XX/XX/XXXX. XXXX XXXX said they would waive the late charge. Today in the mail I received a bill for XXXX to be paid by XX/XX/2019. I believe this months mortgage was included in this fee. I paid my loan to XXXX every month was late in the past 18 yrs many times due to situations that were out of my control. XXXX told me not to worry about the late fees until we sell our house. I believe the outstanding monies we owe to XXXX XXXX are due to late charges that we have already paid late fees in the past 18 years ; now I have to pay the late charges again? I don't have XXXX dollars. We live pay check to pay check and I just don't understand how this can be legal? I really need help with this matter. Please can someone help me. I'm scared I don't want to lose my home.
03/01/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80206	Web	Older American
Monday XX/XX/XXXX STILL ON HOLD since XXXX its now XXXX my first answered call from XXXX she was going to transfer me to ACCT rep XXXX and I repeated a number of time you transfer me you stay on the line till some one answers- She Transfered me and the line broke off THIS HAPPENS A LOT so back on the phone for a 93 minute WAIT WHAT WRONG my STATMENTS each a every month= for the last 6 month XXXX has finally sent me in my payment review for all of 2020= and it shows the LATE PAYMENT OF {$150.00} now this STATMENT AGAIN IS another {$150.00} in late fees IF I PAY THE LAST three month in late payment ( EACH of {$3500.00} ) that is {$10000.00} plus 4 late fees {$610.00} -- PAST DUE FEE of {$950.00} - total ( {$12000.00} ) THAT STILL IS NOT MATCHING WHAT THE STATMENT SAYS {$20000.00} and that I what I need for some to pay attention to '' '' '' '' and CALL ME by a MANAGER of GREGORY FUNDING THAT UNDERSTANS MY ACCOUNT ALL I GET FROM THE REPS ON THE PHONE IS DO NOT PAY ATTENTION TO TH STATEMENT JUS PAY WHAT YOU ARE SUPOSTE TO {$2400.00} and everything will be all right -- - NO SUCH LUCK -- GREGORY FUNDING at the end of this work out program is going to STICK ME with all the late fees and interest and a whopping $ XXXX bill to get current I want a written statement from GREGORY FUNDING ITS NOW XXXX still on HOLD AT GREGORY FUNDING-
06/20/2023	No	Mortgage Conventional home mortgage	Trouble during payment process	GA 30342	Web
XX/XX/XXXX I received a " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' for XXXX XXXX XXXX due of {$6400.00}. At which point I began calling and spending endless hours waiting to speak with customer service at Gregory Funding. My mortgage payments including escrow had been current for over 10 years. However in XXXX, XXXX I began withholding my escrow from my payment as I was concerned they would never correct their errors. I requested they stop holding my escrow immediately in correspondence dated XX/XX/XXXX. Gregory Funding responded to my correspondence of XX/XX/XXXX on XX/XX/XXXX alleging they sent my tax payment to XXXX XXXX on XX/XX/XXXX however this was never applied to my account. They claim they sent another check on XX/XX/XXXX and are asking why the check was never posted. They are still currently working with XXXX XXXX to get late fees and penalties assessed waived. This note also notified me they have applied fees to my account for the 3 months I have withheld my escrow payments and denied my request to stop collecting these funds. During my research I discovered many complaints online about Gregory Funding not paying escrowed taxes and many consumers actually having liens placed on their properties. This has been extremely frustrating and time consuming thank you for your assistance with this matter.
06/13/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 77449	Web	Older American
This complaint is presented for recommendation of one representative from CFPB, because case XXXX was closed, but with this new complaint CFPB will keep open until I can recover my house that was stolen for a group of people and organization, who are dedicated to robe properties, including this Bank Gregory Funding. As I explained I want to report fraud with my mortgage and house located at XXXX XXXX XXXX XXXX tx XXXX. This Company Gregory Funding showed up as soon as a fraud of my house started to robe my house in XXXX with robbers ( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX employees, XXXX XXXX XXXX, XXXX XXXX Police Department and other involved including XXXX XXXX XXXX XXXX. I presented report XXXX to XXXX XXXX police Department about this robbery in the middle of XXXX. This police department ignored my report and waited until to the robbers finished with the robbery in XX/XX/XXXX in XXXX. I also reported this robbery on XX/XX/XXXX to the XXXX when robbers stole my house and personal belongings. Robbery included my house located at XXXX XXXX XXXX XXXX tx XXXX and all my personal belongings at the house. XXXX XXXX Office was involved to help to keep my property, but looks the robbers ignored what XXXX XXXX office did to protect my house and the corruption in government showed up. Sent from my XXXX
01/19/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	FL XXXXX	Web
My loan was transferred in XX/XX/2020 from XXXX XXXX to Gregory Funding. However, around the same time, I did a refinance. My property taxes was paid by the refinance company and Gregory Funding in XX/XX/2020. After several calls to XXXX County Tax Revenue department a supervisor by the name of XXXX informed me that the money in the amount of {$5800.00} was sent back to Gregory Funding since my account was already paid by XXXX XXXX XXXX. He further stated that Gregory Funding must reclaim their own funds. As of today, I have not received my escrow balance in the the amount of {$5800.00} from Gregory Funding. It is very difficult to communicate with them and I keep getting the same people and being told that the research department is working on it. I spoke to a supervisor by the name of XXXX XXXX a couple of times about the matter. The last time I spoke to him was on XXXX. He told me that the research department spoke with someone at the XXXX County Tax office and I should receive the refund soon. I called again on XXXX and was told that I was not going to receive the refund. I was connected to XXXX XXXX voice mail and Ieft a message again for him to call me but he never called me back. I would like a resolution to this matter by Gregory Funding refunding my {$5800.00} that is due to me from my escrow balance.
12/05/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Payment process	NY 11510	Web
I made two {$1100.00} ( total {$2200.00} ) in XXXX. This was to meet my XXXX obligation. These payments have not posted. I have bank confirmation that the payments were delivered. I called today to ask why my account had not been updated. I didnt catch the persons name who provided customer service. My wait time was 1 hour and 30 minutes before anyone bothered to pick up. She alleged I had not made payment in XXXX. She alleged I had a returned payment in XXXX. My payments have been on time or paid in advance since XX/XX/2008. This has been reflected in the monthly statements published by the mortgage company. So I questioned this persons competence. I believe my payments were improperly allocated. Theyre trying to hit me with a late fee and adversely affect my credit. The customer service person refused to let me speak with a supervisor. She alleged she was going to send me my payment history. She confirmed my email address and claimed she was going to email my payment history. It has not been received. She said any payment dispute I had must be submitted in writing. When I asked for her for her name and employee ID, I was put on hold while she spoke to a supervisor. When she came back, I was supposed to be transferred to a supervisor. I was transferred to a random answering service & eventually was disconnected.
09/20/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu	NY 130XX	Web
I have not received an accurate mortgage amount from my new loan servicer, Gregory Funding. My n2 previous servicer have never adjusted my payment from my post XXXX XXXX discharged bankruptcy. XXXX, my previous servicer never adjusted my 24 month escrow shortage after we satisfied their agreement to make up their admitted miscalculations of my escrow payment during my 5 year, 60 payments to satisfy my XXXX XXXX terms. The servicer then changed to XXXX XXXX and they did not adjust my payment that should reflect my XXXXXXXX XXXXXXXX and the subsequent 24 additional monthly payments to satisfy the 5 year escrow shortage on behalf of XXXX 's mishandling of my escrow account. it has been over 7 years of exorbitant payments which i have worked 7 days a week to keep up with. i recently have satisfied a 3 month trial that was originally with XXXX XXXX, that Gregory funding honored. I am asking that my mortgage and interest rate, which has never been refinanced, and no equity loans or adjusted interest rate since the start of the mortgage in 2006. i have sent Gregory Funding an extensive e-mail with 21 attachments of legal agreements and additional previous relevant mortgage information. looking for some relief after 7 years, paying my original mortgage payment amount.
09/08/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AL 359XX	Web
I received my annual escrow account disclosure statement XXXX XX/XX/2021. The statement reported that I had a surplus of {$470.00}. It stated that they would be sending me a check for the surplus. I never received a check and it is still showing in my escrow. On XXXX I contacted them via phone and received a callback. When I asked them about the statement and the check, she said that since it was so long ago that she would have to check to see if they would still be sending me a check and that she would send an email to that department. When I told her the surplus was still showing in my account she stated that she would still have to send the email. I asked how I was supposed to know what the answer was and she just stated that she would keep an eye on my account. **Another issue is that this company canceled my escrow for my homeowners insurance. I asked her why and she stated that they could do that if they wanted to. I asked her to please send me something showing that they could do that and she stated that I would have to submit something in writing to them in order to receive something in writing from them. I made a previous complaint on this company regarding their failure to pay my taxes and insurance. I believe they canceled my escrow due to this.
04/27/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CO 80207	Web	Older American
I received damage to my basement XX/XX/XXXX. I filed a claim when I returned from vacation on XX/XX/XXXX. I received a payment of XXXX from my insurance adjuster and I signed it and sent the necessary documents they requested on XX/XX/XXXX. I have been calling Gregory Funding daily and at times weekly as they request and did not get advised of there new requirement that they needed to refer the payment to bankruptcy court before they would release it. I subsequently received a check from my Insurance Aduster for XXXX and i sent it by certified mail and Gregory Funding Claims Department signed for the package on XX/XX/XXXX at XXXXXXXX XXXX. I am now told when I call that I have to still wait untill they hear back from bankruptcy court before they could release the funds. In the mentime my basement is in shambles due to construction and uninhabitable for my grandsons and they are sleeping on the floor untill the basement has been refinished and furniture brought back in. I want to get my life back to where I was before the artic freeze. Please help me get my checks back so I can finish my basement and get back to normal. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX, last four of ssn in XXXX for identification with Gregory Funding LLC.
09/02/2020	No	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	FL 33020	Web
For several months I have been in constant contact with new servicer - Gregory Funding LLC ( further - GF ) based in Oregon regarding modification application started with previous servicer - XXXX XXXX XXXX ( XXXX ). GF stalled my application by asking to resubmit documents which the firm already had from me and XXXX. Most recently, in XXXX of this year, based on suggestion of GF representative, I submitted a written request to consider my offer due to several conditions worsening the current situation including coronavirus. On XX/XX/XXXX, GF 's representative XXXX informed me that my letter had been registered and because they considered it a qualified written request, they would provide a written response within 30 business days. I called several times since to follow up but got the same response each time : " your request is under review '' by " investor '' or a special department. My last call was on XX/XX/XXXX, when rep XXXX again informed me that " it is being discussed with investor '' and " it is still under review ''. I asked her to make a note of the fact that it has been longer than 2 months and this violates my consumer rights and I will complain to Federal government about this violations. I also suspect dual tracking violation.
11/04/2020	No	Mortgage Conventional home mortgage	Closing on a mortgage	MN 553XX	Web
My mortgage was transferred from XX/XX/XXXX XXXX XXXX XXXX Gregory Funding in XXXX in 2020. My taxes and homeowners insurance were escrowed with them. The lender did not pay the homeowners insurance policy when it was due, and my policy lapsed. In XXXX there was storm damage to the home and when I contacted my insurance agent to make a claim, i was informed the policy was not in force and I was not able to make a claim for the storm damage. In XXXX I sold the home and the lender did not respond with a payoff until the day of closing, after several request to them by the title company an myself. We closed the sale and paid off the mortgage on XX/XX/2020. the next week i received notice from the county that the property taxes were not paid from the escrow account by the lender and i owed the tax and late fees. On XX/XX/2020 I received a late notice from the lender that the XXXX payment was past due and I'm in default. Finally, on XX/XX/2020 the lender contacted the title company stating they will not satisfy the mortgage as the quoted the incorrect payoff amount and asked that I send them an additional {$2400.00}. They said the reason for the error was that they paid the property taxes after they submitted the payoff to the title company
12/08/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IN 46804	Web
My Mortagage was transferred to Gregory Funding from XXXX XXXX. I paid the XXXX payment to XXXX on XX/XX/2021. On XXXX the mortgage along with my payment was sent to Gregory Funding XXXX I gave them the XXXX statement stating I was on time with my XXXX Mortagage payment. I also gave Gregory Funding my bank statement. Gregory stated after I file the first complaint in XXXX that they would resolve this issue. As of XX/XX/2021 this matter is not resolved and now Gregory finding states that Inwas already late with payments when the loan was transferred to them. This is not true and has been proven otherwise. XXXX XXXX has contacted Gregory to resolve this but they have been unresponsive. Meanwhile, Gregory has charged me {$600.00} i late fees and now states that my loan is 2 months behind. I dont know how To solve this. According to Gregory I am XXXX months behind. This is matter than should probably be resolved by the Federal court system since Gregory is still charging me 7 % interest and I cant refinance with FHA since they are reporting my loan late. I have proven my case and my previous Mortagage company is in agreement with me. Please help me this company refuses to help me after promising me and your agency that they would
06/21/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95207	Web	Older American
A company called Gregory Funding based in XXXX XXXX and XXXX, OR assumed the servicing of our loan XX/XX/2020. Ever since, we have been disputing their accuracy in our statements. For the past 20 months, I can document and verify 20 payments, yet they continue to claim we are behind on payments ( in default ) and claim we owe more than we should and have threatened us with foreclosure. Their own records, obtained from their website, shows they have not posted 3 payments, even though I have the cancelled checks and bank records to document those payments. We applied for a refinance loan with another institution and we were conditionally approved at a lower rate, saving us thousands of dollars. All of my credit reports from 8 credit reporting agencies list me as good to excellent, above 750. Gregory Funding took it among themselves to give the institution a " poor mortgage rating '' which cost us the refinance. We were denied the chance to refinance based on Gregory Funding 's false reporting us as poor " mortgage rating. '' We have voluminous documents sent to Gregory regarding their continual false accounting. I believe my last correspondence will explain it in more detail which will be sent as an attachment below.
01/27/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 326XX	Web
I submitted a loss mitigation package to Gregory Funding at the email the company provided ( XXXX ) on XX/XX/XXXX, almost 2 months before the scheduled sale date. I also provided a copy to my attorney, XXXX XXXX XXXX. My attorney 's office sent email requests on XX/XX/XXXX and XX/XX/XXXX to the attorneys for Gregory Funding, XXXX XXXX and XXXX XXXX, asking them to indicate whether their client had received the loss mitigation package. These attorneys never responded. However, on XX/XX/XXXX a letter was sent to my attorney 's office from Gregory Funding entitled " Notice of Incomplete Loss Mitigation Application '' and that documents with an " x '' must be received within 15 days. However, the attached page did not show that any " x 's '' were checked. Based on this letter, nothing is required and my application should be complete. I am concerned that Gregory Funding is not acting in good faith. They should be responding to my attorney 's emails. I should be notified by now that my package is complete. My sale is set for XX/XX/XXXX. I simply want to be evaluated and approved for a modification as soon as possible. Time is running out. I am attaching an affidavit from my attorney 's legal assistant.
03/17/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	IL 605XX	Web	Older American
-Since the mortgage was transferred from XXXX , XXXX XXXX , Florida ( also reporting late payments to the credit bureaus while the case still was in court. I have paid for late fees totally out of my control as a customer. - Gregory Funding, LLC charged me fees for delays in the transfer of the mortgage paper work from XXXX to them. I had experienced rude and unprofessional behavior/attention even arguments with the customer representatives. They talk and act as you " the customer '' own them something. Customer Representatives answer to simple questions without " clarity '' and " transparency ''. These abusive acts and unfair practices such as paying for fees out of my control during the transfer process of my mortgage between XXXX to Gregory Funding. - Latest incidents : Since XX/XX/2020 until today, Tuesday, XX/XX/2020 I have been faxing and calling Gregory Funding, LLC to please submit a " Pay Off " letter to the XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX XXXX -- XXXX. ( Contact person : MS. XXXX XXXX, Loan Manager ). - Faxed twice last fax : dated XX/XX/2020. -The Credit Union Processor and the Mortgage Loan Manager contacted Gregory Funding , LL 3 times to get the " Pay Off '' letter.
01/12/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OR 970XX	Web
Our loan was sold from XXXX, XXXX XXXX XXXX, to Gregory Funding. Immediately Gregory Funding sent us a default notification when in fact we were never in default. We have been trying to get an accurate payout since XX/XX/2021. Gregory funding has failed to accurately respond to our multiple requests. Initially, they wouldn't accept payments per our previously agreed terms with our old lender, nonetheless I have been making payments to them since XX/XX/2021. We have noticed there are many complaints online. We have continued to attempt to get an accurate accounting of the loan balance and had our lawyer reach out to them in early XXXX, yet they have delayed responding in a timely fashion and have accrued late charges which should be nonexistent. From the inception of their purchase they have failed to provide a mortgage statement showing the payment due and an accounting for payments received. Nor have they provided one point of contact, they don't pick up their phone and you have to wait for over an hour to get through to anyone. We have no idea what they have done with the payments received. Despite promises, as of today, XX/XX/XXXX, they have still not provided the needed documentation.
03/07/2019	Yes	Mortgage FHA mortgage	Closing on a mortgage	IL 601XX	Web
I been with Gregory Funding for more than a year now I am XXXX living with XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and much much more Pain Daily! I was told the home insurance will be removed from mortgage so it was I asked Gregory Funding will they refinance me they said I had to find someone else so I set out since XX/XX/XXXX it's now XX/XX/XXXX XXXX XXXX have Approved me I received a telephone call saying Gregory Funding said you are 30 days late every month, since I been with Gregory Funding they have and all the Creditors know Social Security sends payment Every XXXX Wednesday of Each month only. So I am O. AUTOPAY my Bank even knows I am on AUTOPAY, for i I might be in hospital at times and payment only every XXXX Wednesday of the month the Agent put a payment in too early which caused payment to go off track but I was paying extra money to catch up XXXX XXXX need a letter stating that I don't be 30 days late with payment to continue with the refinance, however Gregory Funding don't seems to want to work with them the entire loan will be paid It's not fair to loose this Loan in 3 days that was so very hard fatigue frustrating painful every day
11/15/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OH 43402	Web
My mortgage servicer changed in XX/XX/XXXX from XXXX to Gregory Funding. Ever since, my outstanding mortgage balance and credit reporting has been incorrect. Gregory funding has failed to acknowledge any payments I have made directly to them, my existing loan modification plan, or the forebearance I had previous to the transfer of my loan servicing to their company. In doing so, they violated the Federal Fair Debt Collection Practices Act & Federal Truth In Lending Act. I have called three times XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to request that my forbearance end so that I can apply for a loan modification. I was told in XX/XX/XXXX, it would be several weeks before they would reach out with details on how to apply. They promised to update my credit report with accurate info ( I was reported late rather than on a forebearance which has destroyed my credit score increasing my insurance premiums and making my car payments increase as well. This has caused such a hardship on my family. Further, I have been making regular, timely payments which are not being applied to my account or outstanding balance yet they have been CASHING THE CHECKS that I mail for my payments. Please help.
03/09/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85024	Web
My loan was in default due to illness, We filed a Chapter XXXX in XXXX Bankruptcy Court and paid on the plan for 3 years, We were able to get a short term loan to Buyout the Chapter XXXX, When we received the payoff letter the mortgage company had added {$14000.00} in fees that we had never been invoiced for and were not included the bankruptcy proof of claim. i contacted the mortgage company by phone, also the lender contacted them and the title agency, They were unable to explain what the fees were for, They said they needed to be paid to stop the .sale of the property. The private lender that was helping us paid the fee, I also faxed a letter requesting a breakdown of the fees. I received no response to my letter so I mailed it in XXXX to their address for mortgage problems. In early XXXX, I received a letter telling me that they would have an answer within 30 days. i heard nothing back so mid XXXX I sent a 3rd letter demanding the return of these funds, Yesterday I received the same form letter I had received in XXXX saying that would look into it and resolve it in 30 days..This company is extremely dishonest .There is no way to contact them as they don't answer their phone.
09/24/2020	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	CO 80206	Web	Older American
Consumer Finance Protection Bureau DEAR SIRS : XX/XX/XXXX XXXX I have been dealing with Gregory Funding since the Corona Virus Pandemic in XXXX of XXXX= There seems to be different option every time I call Gregory Funding- with Late Fee Charge and compounded interest on my residential home loan- # XXXX First Gregory Funding will not allow a REAL Forbearance to rearrange my monthly payment to the end of the Lease- responding that they are not a Federal Insurance supported Bank- Now they want o Modify my 4 % loan with a ton of paper work that they can not find on a timely manner including misplacing documents= My Question for CFBE is to see where the funds for the modification process would be coming from in the event, I get to participate with the Modification Process= The only way I know for Banks to get reduced interest rates are to turn to the Federal Markets to accomplish that = What I need is at least three months with a full forbearance of the Mortgage Payments, allowing them to be added to end of my Mortgage Term= as most bank in the USA are now doing- Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX Gregory Funding XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
10/31/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Trying to communicate with the company to fix an issue while managing or servicing your loan	CA 90744	Web	Older American
Since my mortgage was transferred to Gregory Funding, I've had nothing but problems. I wasn't able to access their website, they said they would be resetting my password but I kept getting errors their system did not recognize my information. Then I would receive letters from them that they were trying to contact me but when I called they would refuse to help me. My statements weren't reflecting the correct payments I made. Most recently, my health has worsened, I moved my granddaughter in with me who is a XXXX XXXX. To help take care of things. We completed a Loss Mitigation application then I received a letter from XXXX XXXX of Gregory Funding that everything was received. Once again they have gone radio silent and will not help me or return my calls. Yesterday I received a collection letter from XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Stating that I owe {$150000.00} to XXXX XXXX XXXX XXXX, Mortgage Backed Securities, Series XXXX, by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with loan number XXXX. Now I am able to log into my Gregory Funding account online and it says I am in FORECLOSURE. I am very stressed out about this and feel as though they are trying to take away my home.
12/05/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 117XX	Web
I submitted a mortgage modification application for the mortgage on my primary residence at my first foreclosure settlement conference which was XXXX XXXX, 2016. The bank was instructed to send me a missing documents letter on, or about XXXX XXXX, 2016. Instead of requesting documents, I immediately received a denial, dated XXXX XXXX, 2016 stating that I would not be reviewed or offered any other modification because I previously declined a forbearance plan that was offer which the servicer feels was affordable. The forbearance offer was for 6 months and I could probably have made the payments somehow to save my property. The problem is that I can not make a {$10000.00}. down payment, and 6 months trial payments to possibly get a modification with a balloon of {$130000.00}. I am recently widowed, have XXXX children depending on me for financial support, XXXX of whom is in college full time and the down payment is just not a realistic option at this time. They did not even consider other options according to the letter. I want to pay my mortgage but I would like to be considered for a reasonable modification that is not going to jeopardize my ability to support my family.
12/16/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 94591	Web
I am working with XXXX XXXX to purchase my loan from Gregory Funding but this is being prevented because of the past due balance that Gregory Funding keeps showing on my account. The rules of my Forbearance agreement with XXXX XXXX specifically stated that I would not be charged any fees while I was in the program. The loan was purchased by Gregory Funding from XXXX. I have no problem paying the {$7600.00} of my past due payment. But I should not be charged the XXXX in past due fees and charges that Gregory Funding is trying to charge me because as I stated before I was in the Forbearance program. I have called Gregory Funding XXXX times and waited on hold for hours and the reps can not even justify what these charges are for. They just keep telling me to send an email and I never received a response. Now I have just been told my home insurance company that Gregory Funding has not even paid my home insurance since my loan has been transferred to them and now XXXX insurance is asking for XXXX immediately or my policy is being cancelled. I have the checked with the XXXX and I have read countless claims against Gregory Funding with people having the exact same complaints!
07/30/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 78626	Web	Older American
Aspen XXXX, a/k/a Gregory Funding, is using deceptive and abusive practices to confiscate funds that are not in keeping with the strict adherence of the Deed of Trust. I have entered into an agreement with the county to compensate me for the easement for a partial taking. Gregory Funding is stating that their secure instrument requires that they are entitled to the funds, when it is clear that their formula and their interpretation of the loan document states if the partial taking is equal or more than their secured instrument. They are holding up on the Consent of the Lender letter required by the county in order to allow payment to me the borrower. The payment is in the amount of {$66000.00}. The Lender wants it applied to the mortgage, even though they are completely secured and the value of the property is approximately {$100000.00} more then the principal. They are not applying the Deed of Trust instructions in securing an appraisal immediately before the partial taking and the payoff immediately prior to the taking. The Lender will not be reasonable even when it was offered to divide the compensation due to the owner equally with the Lender.
11/03/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AZ 85249	Web
I have been trying to end my COVID-19 Forbearance and have my missed payments deferred and loan brought current since XX/XX/XXXX. First with the previous servicer and now with my current servicer as the account was service transferred XXXX XXXX. I called Gregory funding numerous times to get the status and to confirm I am seeking the end of the program and need the deferral completed. Turns out they had me waiting for months in a back log to reapply for a new Forbearance when I could not have been more clear in all my calls. I finally speak to XXXX in their loss mitigation department who confirms they were waiting on a questionnaire from me to submit for forbearance. I explain again I am not waiting for a new or extension to be done. He says he will submit that now but will take 2 months. I asked for this to be expedited due to their error in having me already wait several months for the wrong thing. This needs to be completed now. Also, after being told I was in protection for all this time I am now being charged late fees for XX/XX/XXXX and XX/XX/XXXX. I am suffering financial impact due to this events and demand satisfaction.
04/28/2023	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	LA 70003	Web	Older American, Servicemember
I have several rental properties and my home residence. Through covid 1p9 I received 1 stimulus check and nothing else. No SBA, no payroll supplement, or anything else. I think at tax time they gave me another like XXXX credit on my taxes. I say this to say even though there was a stay order for landlord to protect renters from being evicted and thus far roughly 10 % of my tenants have received emergency rental assistance covering 18 months when the shutdown was close to 24 months. Maybe more here in XXXX XXXX. The Lahaf approved me for XXXX. On my home where it's XXXX. Behind. This according to fees late charges etc. Then because the mortgage company did not write someone stating they were going to work with me in time the worker XXXX XXXX withdrew my application. 5he email slaying it was withdrawn says when ready contact the LAH. The mortgage company then denied my forbearance application because it was now incomplete. Since the XXXX counselor said incomplete application they did too. The Gregory financial agent stated during a call, oh I see you have contacted the housing counselor. During this time another mortgage.
01/29/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY XXXXX	Web	Older American
During this pandemic I found myself asking for a forbearance with the mortgage company I had at the time, which was XXXX XXXX. Before the three months was up, XXXX XXXX sold the loan to Gregory Funding LLC. The dates involved are XXXX, XXXX, and XXXX of XXXX. From XX/XX/XXXX up till XXXX of XXXX, I was paying on time. I was not able to pay XX/XX/XXXX, which made me then 4 months total behind. I have since gotten another forbearance from XXXX and have been paying the mortgage every month since then. I have spoken with several people at XXXX and XXXX operator XXXX, who I spoke with today, Friday XX/XX/XXXX. I was asking if they could put the four months on the back of the loan of which she informed me that they are not doing anymore deferments at this time. I have been asking all along if I could have the 4 months put on the end but to no avail. My escrow is very high, and I really need help with this matter. They are also saying the I owe almost XXXX, when I know that there was not supposed to be any interest accrued during the forbearance months. Now my last forbearance is up on the XXXX, of this month, XX/XX/XXXX.
07/31/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91405	Web
1-I have been making extra payments to the principal and my mortgage lender doesn't apply it in the right time, they put the money on my mortgage loan at their convenience, 2-beside that, I requested the cancelation of the escrow payment in my mortgage bill due to they don't pay in the right time period or sometimes they make 2 payments to complete 1 of the property taxes, when they took my money already to make those payment, 3- after I was approved of the cancelation of the escrow payment in my bill, there was remaining money the mortgage lender was suppose to have refunded me so I can make the next property tax bill payment and since XX/XX/2021 Gregory Funding , has not sent me any money back. The total of {$410.00}. 4- I have been making many calls to Gregory Fundings customer service and nobody will help me, they alway say ... oh I will escale your case, oh I will call you back to follow up your case, and never happen, they don't care about the customers at all 5- On the bill statements they put the money on suspense-unapplied, so they don't put the money in the correct day of the mortgage payment date.
05/16/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA XXXXX	Web	Older American
Loan # XXXX - Gregory Funding, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Phone number - XXXX - they also have an address of XXXX XXXX XXXX, XXXX, XXXX XXXX My real estate taxes are escrow-ed and are due on XX/XX/XXXX of each year. According to the XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX my real estate taxes have not been paid and are accumulating interest. I have tried since XX/XX/XXXX to get thru to their customer service line and can not get thru, they keep giving a ridiculous number of people ahead of me. Today when I called again I was number XXXX in line to speak to an agent. I have written to them, faxed them, uploaded a letter to my account and have received no response. If they have paid my taxes they need to address this with the XXXX XXXX XXXXXXXX. If they have not paid them, they need to be paid immediately and include the interest payment which brings my tax balance, as of today, to {$2400.00} and growing. I believe that interest is assessed monthly. I have never before had a problem getting thru to this company and am concerned. I would appreciate your assistance in resolving this.
11/22/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MD 21114	Web
I applied for XXXX funding and had a completed HAF application pending but Gregory Funding proceeded to foreclosure without waiting for DHCD to finish up the process. I contacted XXXX many times about this. XXXX told me it would work with XXXX ( the state agency rolling out XXXX ) but it never did so and elected to proceed to foreclosure sale where it bid-in the property. So, there was no third party purchaser. I believe XXXX violated XXXX law you are required to enforce and its duty of good faith under Maryland regulations. If they did this with me they probably are doing it with others and you are allowing them to do business in Maryland and elsewhere. That is wrong. Under Md. XXXX XXXX. XXXX XXXX has a good faith duty to pursue loss mitigation when possible. It was possible in my situation as my HAF application was completed and seemed to be approved by the underwriters. Under 12 U.S.C.A. 2605 ( k ) ( 1 ) ( C ) XXXX had a mandatory duty to avoid foreclosure but it also violated that mandatory duty and proceeded to foreclosure while my confirmed, completed XXXX application was being processed.
06/08/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60409	Web
After 11 months of loss mitigation efforts, a modification was offered, however they only gave me 7 days ( 5 business days ) to review and come up with a down payment of XXXX . We had an appeal sent out today to give us more time, but the down payment they are requiring is to " create an affordable payment '' however, I can not come up with that kind of down payment when they know my hardship was loss of income. I am back to work now and look forward to working with them but a down payment of XXXX is counterintuitive and almost impossible. Also, I have been in review for several months and the sale date for XX/XX/XXXX was never cancelled, so we are citing " dual tracking '' and we are requesting that the foreclosure be placed on hold while we try to find another, more reasonable solution. They are stating if I do not pay them XXXX by tomorrow the sale will still take plac e on XXXX 2017. The lender moved for a foreclosure judgment or conducted a foreclosure sale in violation of Regulation X 1024.41 ( g ) or ( j ), which is a covered error under Regulation X 1024.35 ( b ) ( 10 )
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	FL 32114	Web	Older American
Back in XX/XX/XXXX, my home mortgage company was XXXX and I was in a temporary forbearance during XXXX XXXX crisis. In XX/XX/XXXX my forbearance came to a end and I received a letter that Gregory Funding LLC took over my loan from XXXX. During this time I reestablish a home modification with Gregory Funding LLC with the understanding I would need to start paying out of pocket home owners Insurance that it would not be included in my mortgage payment XX/XX/XXXX. Furthermore from the start of my loan in XXXX till today, XX/XX/XXXX, over 1 year of on time early payments, plus even setting up auto pay monthly, Gregory Funding LLC has not XXXX TIME reported my credit to any of the XXXX credit bureaus. My credit score plays a important role in my life as I am reaching age XXXX in XXXX. I need this to help me while on Social Security, car repairs, medical test my medical insurance doesn't cover, living expenses and so on ect. I think you get the picture. Credit is a valuable tool in ALL peoples life. I would greatly appreciate it if Gregory Funding would take the time to help a loyal on time customer.
08/18/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OR 975XX	Web	Servicemember
I had an approved requested Cares Act Forbearance Plan with XXXX XXXX XXXX XXXX that did not get transferred with my loan when they transferred it to Gregory Funding XXXX XX/XX/2022, they said it would take up to 60days to get all documents transferred. I filed an application for Oregon Home Owners Assistance Program, and also filled out loss mitigation papers to avoid foreclosure, The packet was approved today. With a loan payment amount increase of {$360.00} plus an escrow payment due of {$1200.00} in which my escrow account was XXXX balance upon transfer. I would like to know why it wasn't transferred with the loan. GF is asking that escrow account be paid on XX/XX/2022, and a payment of XXXX due 2 days later. Today followed up with a phone call pertaining to the documentation I received today, and they denied that no where on document does it say lender will proceed with foreclosure if payment is not paid promptly. I repeated the section in where that is stated and the rep said thats if you dont make a payment on your new forbearance plan. I though Forbearance is a differed payment.
11/19/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91324	Web
My loan servicer is the Gregory Funding LLC. The origignal lender is-XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. All my mortgage payments made until XX/XX/2020 were hid, converted and never reported/disclosed by the Lender to all 3 Credit Bureaus XXXX As a result of COVID-19 global health outbreak, I was hit hardest, struggle with extreme hardship, as indicated in attached letters. I asked the Lender under CARES Act for the Forbearance or other repayment plan. Three times I mailed a full package substantiating the proof of hardship attached with the Forbearance Agreement. The Gregory Funding LLC and XXXXXXXX XXXX XXXXXXXX received, verified and confirmed full satisfactory evidence for further processing. Thereafter the Lender defrauded and cheated me, by accelerating a Forelosure proceeding. Please review the attached and contact the XXXX. Please review the XXXX website for alarming records of other victimized homeowners complaints against the Gregory Funding LLC. That raises a red flag. The Government keeps a blind eye over this suspicious company.
02/19/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 117XX	Web	Servicemember
Received a letter dated XX/XX/XXXX that I was short in escrow by XXXX and my payment will go up XXXX a month. Called no one answers. Spoke to XXXX on XX/XX/XXXX she said she could spread balance out over 48 months. Not the answer Im looking for as I am not short in escrow. I had a balance of XXXX in escrow. I told her if they charged me this amount there would be an excess of XXXX at the end of the year. She said they could only keep XXXX in account at end of year. XXXX said to speak to supervisor XXXX XXXX. Left her a message she never called me back. XXXX said XXXX would call back in 48 hours. On hold multiple times over the course of the next few days sometimes 2 hours plus and no one answers. Spoke to XXXX in XX/XX/XXXX she said XXXX is working in escrow account. Requested trust ledger from XXXX XXXX ( my loan was transferred to Gregory funding on XX/XX/XXXX ) escrow balance at time of transfer was XXXX called on XX/XX/XXXX and XXXX stated it could take a month. Called on XX/XX/XXXX and no one answers your just on hold over a half hour. My current escrow balance is XXXX.
11/08/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu	CA 93422	Web	Older American
I was told it was to late and if my documents were received they would not be downloaded until XXXX XXXX XXXX XXXX It was XXXX XXXX and it would be too late. I called GREGORY FUNDING on XX/XX/XXXX and was told the documents never arrived on Fri. I requested information concerning an appeal and was advised that no appeal process excist if an application is not complete. I had provided all the documents requested and received notification concerning my medical records I provided. I was informed my documentation I submitted was destroyed in it entirety. I had no idea that my loan modification was no longer being reviewed. I have hired a law firm to assist me and was informed that the wait time on the phone was approximately 5 to 6 hours. This is exactly what I was subjected to when I began the process. I began submitted the documents again to GREGORY FUNDING. My loan server changed hands three times, after XXXX filed for bankruptcy. HUD has agreed to assist me and states I should contact GREGORY FUNDING and ask for an extension of two weeks. This is the XXXX XXXX XXXXXXXX
05/27/2020	No	Mortgage Conventional home mortgage	Trouble during payment process	PA 19087	Web
On XX/XX/XXXX my mortgage was transferred from XXXX XXXX to Gregory Funding. I was in the middle of a loan modification - and was assured that Gregory Funding would honor the terms of my loan modification with XXXX XXXX. I have tried on 6 occasions since XX/XX/XXXX to have my loan terms correctly applied with Gregory Funding and have been given excuses as to they need more time to setup my account and or they dont have the loan modification agreement. I have sent them the loan modification agreement via fax that Gregory Funding provided on XX/XX/XXXX, emailed after getting no response on XX/XX/XXXX, and then uploaded to their website on XX/XX/XXXX. Not to mention that every call takes a minimum of 20 minutes on hold before you speak with anyone! All I want is for Gregory Funding to accept the terms of my loan modification, which they must legally honor in accepting the transfer of my account from XXXX XXXX. I have placed XX/XX/XXXX payment in escrow as they have refused to accept the funds and will do the same for XX/XX/XXXX if this is not resolved quickly.
02/28/2023	No	Mortgage Conventional home mortgage	Trouble during payment process	TX 76028	Web
I noticed on my XX/XX/ mortgage stmt that Gregory Funding had used my escrow account to pay property taxes on some unknown account in " XXXX XXXX ''. I have no idea why or how this happened, but we don't own any property in XXXX XXXX anywhere. I tried to call Gregory Funding regarding this mistake, and was placed on hold. The recording told me I would be on hold for over an hour and a half and that there were XXXX callers in line in front of me. After XXXX minutes, a recorded message came on and told me there were now XXXX callers in line in front of me. After a few more minutes, a message came on and told me they would save my place in line and call me back. It has now been well over an hour and a half, and I have had no phone calls. I am completely fed up with how my previous servicer, XXXX, and now this servicer, Gregory Funding, have mishandled my mortgage. We currently have an approved claim against XXXX for around {$15000.00} for money they stole from us through servicing our mortgage. Something needs to be done about all of these crooked servicers.
09/22/2023	No	Mortgage Conventional home mortgage	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	MD XXXXX	Web
This mortgage servicer, Gregory Funding, is benefiting financially from delaying processes while Im doing everything I can to try and save my home. I am being victimized by this mortgage servicer resulting in multiple years of investment of time in trying to fight back, not to mention the emotional trauma Ive suffered worrying about having a place to live. They need to be held accountable for what they have done to me, and I would imagine there are others that have similar stories. I've included a very detailed letter consisting of a timeline of events in which this servicer has failed to respond to me in a timely fashion resulting in ballooning fees and a past-due balance significantly higher than when I attempted to resolve this issue. Further, I'm now working with the State of Maryland HAF where I have an approved application to bring the mortgage current, and the servicer continues to delay in responding to requests so this application can be completed. Please review the attached letter and supporting documentation for a complete picture of this issue.
12/29/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MN 554XX	Web
I have been charged late fees by Gregory Funding while I am in the process of resolving why XXXX is changing of the terms of my mortgage agreement. I expect these fees to be waived after we resolve why my mortgage terms are being manipulated after the fact. The mortgage terms and agreement were finalized on XXXX/XXXX/16. In the meantime, I called to XXXX to make my regular phone payment on my mortgage and was told that they would not accept my payment via phone and that I have to mail my payment with an explanation. I have done so. I appreciate your help in resolving this situation and confirming the original terms of my XXXX XXXX XXXX mortgage per the five year modification consummated on XXXX XXXX, 2016. I am requesting an escrow account history ( insur and taxes ) from : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Loans and 3 ) Gregory Funding. As the XXXX Home Loans Mortgage modification explains : Any and all outstanding escrow balances noted on the XXXX Home Loans account will be paid when the home is sold and not until that time. thank you very much.
10/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 34741	Web
This notice is to serve as an Emergency Notice of Error. Gregory Funding Servicer for XXXX and XXXX. Have received a complete loan mitigation application in the timeframe as required by the Dodd Frank Act as well as an agreement from the previous servicer for a principal reduction. The Plaintiff and Servicer are guilty of dual tracking and have moved forward to foreclosure sale of my property tomorrow XXXX XXXX at XXXX in violation of Federal Law. I have also found fraudulent documents and forgeries of my signature in both TILA and Respa notices in which I have proof of. I am requesting that the sale be cancelled and the facts of my complaint investigated thoroughly. I will also be contacting every regulatory agency both federal and state to make a complaint in regards to these facts. These are serious violations of federal law and I intend to persue any and all legal action in regards to these egregious violations. I am requesting that a motion be sent in the court today to cancel the sale so that I am not further damaged by this action.
07/18/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 08723	Web
The last two times I have tried to modify with my servicer, XXXX XXXX , I was told that even though I am divorced from my ex-husband/co-borrower that his income must be included in my modification review. I would like to see if the CFPB can to anything to have XXXX XXXX not include my ex-husband in my request. I plan on providing income information for my fianc since he is a contributing member of the household. My ex-husband is not contributing income to this household and does not live here, therefore we should not have to use his income for a modification. My ex-husband is also not willing to comply with providing documentation or signing documents to allow me to modify on my own. I plan to eventually refinance my ex-husband off of the mortgage but unfortunately our divorce had a negative impact on my credit. Therefore I am currently stuck in an unaffordable mortgage situation with no options to make it better due to XXXX XXXX XXXX requirement to include the income of a divorced co-borrower/non-household member.
10/18/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	FL 338XX	Web	Servicemember
I sold my home in NY recently and the closing took place on XX/XX/2021. Every aspect of the process concerning my mortgage satisfaction was like pulling teeth, including this last piece - filing the Satisfaction of Mortgage with XXXX County. I've even sent several to the legal department of the mortgage servicer, which to date remain unanswered, and trying to call them results in 4 hour marathon hold sessions, which I just can't do. Approx. 1 month ago I did remain on the line until someone in " customer service '' finally picked up the phone, and was told that while she didn't have specific information, " the Satisfaction was sent to 'XXXX ' in early XXXX ''. I asked for a fax copy of what had supposedly been mailed, and got anything but a fully executed Satisfaction of Mortgage in return. As we are fast approaching the end of 2021, I would very much appreciate assistance in getting the proper documentation filed with XXXX County so that I can fully close the chapter on this part of my life.
02/16/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 02150	Web
Some months ago a mortgage loan on a property owned by my wife and me was sold to a financial institution called Gregory Funding. Average wait times to speak to customer service are typically around an hour, making it extremely inconvenient to contact them. They have no email address that I know of, and their web site is extremely primitive and unhelpful. It provides almost no information at all. I'm on hold right now, once again, waiting to speak to somebody. There are 50 people ahead of me in line. At least once, on an earlier occasion, I waited on hold for more than an hour, and just when I finally got to the front of the line, the call was disconnected. All I need to do is cancel a regularly scheduled automatic mortgage loan payment for the month of XX/XX/2022, since I already inadvertently paid it through XXXX bill pay. This company is a disgrace. If they can not properly service their customers they shouldn't be allowed to acquire more mortgage debt from other institutions.
06/09/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IN 46804	Web
in XXXX of XXXX my mortgage loan service was changed from XXXX XXXX to Gregory Funding. I informed " Gregory Funding that a payment I made in XXXX of XXXX had been made with XXXX XXXX. Eventually, we found that the payment was made and the payment was transferred to Gregory Funding. Since that time I have not been late for any payments. I am trying to refinance my loan since Gregory Funding is a predatory lender and charging me 7 %. I called Gregory Funding to get my payment history and was told that every payment was 30 days late. That is not reflected on the website run by Gregory Funding and now I can not apply for an FHA loan. This is FRAUD!!!!!!!! I was not 30 days late on my payments 11 times. I don't know where to turn but I believe legal action by CFPD needs to be taken against this company. They essential have made me a prisoner to a high-interest loan and through false reporting made it impossible to get another loan. Something needs to be done about companies like this.
06/01/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91324	Web
I had notified the loan servicer-Gregory Funding, LLC. of my extreme hardship and asked to work with me payment assistance options, give me forbearance. This company stalled the process, every day create artificial barriers in order to escalate foreclosure activity. As a victim of discrimination, predatory lending and consumer fraud, I ask for your help. As a homeowner, I had submitted loss mitigation forms and supplemental supporting documents many times, last one was mailed last week, however their staff are well trained in verbal manipulations and stall tactics. Prior to COVID-19 pandemic, my mortgage loan was sold/transferred to more than dozen of suspicious " bogus '' loan servicing companies, including the current company.I have a proof of my misaaplied/missing and never posted payments I've made last year. My timely payments were posted to my account, prior to XX/XX/2020, however this company repeatedly refused to report my mortgage payments to CRA 's.
06/09/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 10466	Web
In XX/XX/2020 Covid 19 Started .... At the time I was working with XXXX XXXX XXXXy. I filled out paper work to have a forbearance. It was agreed upon with my payments being deferred to the back end of my mortgage. I didn't worry as much. About 3 months in when I was going to start my mortgage back up I find that the note was sold to Gregory Funding. I reached out to this company to make sure everything was still in order. I was told they don't do deferments and full payments are due. That was close to {$10000.00} We don't have $ XXXX to pay upfront and now. And we can't afford to add principle onto current mortgage. I checked to see if the note was still backed by XXXX or XXXX and find out its no longer back or protected with the Cares Act.. As a consumer what can be done. I find this act of selling mortgages last minute is so unfair to the consumer. So I am trying to borrow funds from family members to get this done so I don't lose my home.
06/30/2017	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	NY 11746	Web
I have tried multiple times to get help from XXXX XXXX, ( Servicer ) to afford to keep my home. They purposefully not returned my calls and the always find and excuse not review the multiple packages that have been sent. They ignore my calls and when they do pick up, they always tell me that only the person assigned to the file can give me updates. That assigned person is never available. They have had 2 or three complete loan modification packages, over the last 2 months, sent to them but no official review from this servicer. They are not helpful and I believe are more geared towards collection then home retention assistance. It appears that the do not really care about helping their customers find a solution. I asked many times to speak to a supervisor and they just patch me through another representative who has the same attitude and responses. It 's like a vicious cycle of not getting anywhere. It feels like it 's being done on purpose.
02/24/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08527	Web
My mortgage was sold to Gregory Funding. They were fine the first 9 months and as of XX/XX/XXXX they stopped paying my property taxes. There is more than enough money in the escrow account. I am getting notices from my township about the property taxes not getting paid. As of XX/XX/XXXX, they did not pay the next quarter of taxes either. They are behind by two quarters. The money is in my escrow account. I have over $ XXXX in the escrow account and they owe the township of XXXX $ XXXX. I have attached a copy of my latest mortgage statement along with the letter from my township tax collector. I have called the mortgage company over 7 times in the last 4 months and they literally tell me a check is going out the next day and it never does. I have also written to them 3 times and they have not responded back at all. This fraud. They have my money and they are not paying the taxes. I am worried the township will put my house up for tax sale.
04/24/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91362	Web
I am behind on my mortgage. Over the past year my loan has been sold twice and the current holder is Gregory Funding. I have submitted an application for loan modification or any assistance and I was denied because they stated that wanted a downpayment of approximately {$65000.00} to do something which they know I do not have so I was denied. They stated that the are only a service agent for the holder of my loan who is an investment company and they are not an institution that can offer load modification or refinancing due to their rules. I feel that they are not being helpful with helping me with my situation. If I had the funds to pay them, I would be able to pay the default payment to get me current, but their inability to offer forbearance, refinancing or loan modification is not legal and I am filing a complaint. I may be missing information you need and will be able to submit any information you need. XXXX XXXX XXXX XXXX XXXX
04/09/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91354	Web
I lost my job due to the COVID-19 pandemic. XXXX XXXX XXXX and California public health officials have issued shut down orders to prevent the spread of COVID-19. We are 5 people in our family me my wife and our 3 kids. we have no money and our mortgage company is not giving a forbearance option, my business is still shut down, and have not got the approval yet from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to reopen our business, Our XX/XX/2021 mortgage statement shown we had positive {$1100.00} positive escrow balance and I requested from lender to release it back to us that way we can buy some food and kids school clothing but I don't know what they did with the money, we are getting $ XXXX monthly food stamp for 5 people which barely get us by, I try to get a job but no luck and also no luck for reopening our family business. also, they add a late fee every month on our mortgage even though we were on the forbearance with them
05/24/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	CA 93257	Web
I would like to file a complaint with Gregory Funding Customer Service XXXX XXXX XXXX XXXX, XXXX XXXX By fax : XXXX I have continuously tried to receive a mortgage statement from Gregory funding. I had a bankruptcy chapter XXXX discharged XXXX 2015. After my discharge it is my right to receive my statements after discharge. Gregorgy Funding has done everything possible to not release a statement to me. I submitted a modification and was denied and now I am going through Keep Your Homes XXXX. One of the requirements is a mortgage statement with balances. I am unable to continue with the process because of their negligence in the rights after my bankruptcy. I have delt with XXXX with unknown last name and she has given me mis information. It is important that this gets resolved immediately as though i will not like to loose my home to this issue that can be resolved. Thank You for your time and effort in this matter. XXXX XXXX
07/14/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 78660	Web
After some years I was finally approved for XXXX going back to XXXX. Due to this there was a reduction in my homeowners taxes that was sent to my mortgage company for XXXX, XXXX and XXXX because I have an escrow account. I called about these funds on XX/XX/XXXX, XX/XX/XXXX and faxed and wrote them on XX/XX/XXXX. I was told that they would hold the over pay until my escrow accountant was satisfied. This was on XX/XX/XXXX, spoke supposedly to XXXX XXXX on XX/XX/XXXX. He was very rude, wouldnt let me ask questions i needed for understanding. Called again on XX/XX/XXXX, same inquiry. No solution. On XX/XX/XXXX was told they got refund on XX/XX/XXXX and a new analysis was requested, they said will call me in a week. Towards the end of the next week, i called and was told they were still working on analysis and someone would call me back. It is now XX/XX/XXXX and over XXXX of paid up taxes are being held by Gregory Funding.
08/18/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33029	Web
XX/XX/XXXX or XX/XX/XXXX our mortgage loan which resided with XXXX ( XXXX ) was sold to Gregory Funding ( XXXX ). Since then, we seem to have one problem or another with this company. First they were charging us incorrectly and it was n't until speaking with them at least twice did it get corrected. For the past 8 months or so they keep calling us and sending us letters that our mortgage payment is late every month. The issue is that we have it set up for auto billing which automatically debits our account. We speak with them every month, tell them its on auto payment, then we do n't hear from them until the next month. This is getting really annoying and I am afraid that they are at some point going to report this to the credit companies. ( The also did not respond to our flood insurance on a timely basis which made our premium increase. This has since been corrected through a call I made to my insurance agent. )
05/06/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 77493	Web	Older American
I have been reporting to you previously that this Gregory Funding was involved in charges to my account. I want to report this time the possible fraud with my mortgage and house located at XXXX XXXX XXXX XXXX tx XXXX. This Company Gregory Funding showed up as soon as a fraud of my house started to robe my house in XXXX with robbers ( XXXX XXXX, XXXX, Constable XXXX XXXX, constable XXXX XXXX, XXXX XXXX employees, Judge XXXX XXXX, XXXX XXXX Police Department and other involved from XXXX I presented report XXXX to XXXX police Department about this robbery in the middle of XXXX. This police department ignored my report and waited to the robbers finish with the robbery in XX/XX/XXXX in XXXX. I also reported this robbery on XX/XX/XXXX, when robbers stole my house and personal belongings. Robbery included my house located at XXXX XXXX XXXX XXXX tx XXXX and all my personal belongings at the house.
09/07/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Payment process	VA 23513	Web	Servicemember
original complaint : XXXX Company lied in there response and is still ignoring me. My insurance just defaulted again this year XX/XX/2023 for non payment. I am being forced to pay the late fees. They are using the bankryptcy excuse to ignore me. I will have the home insurance company be the first to testify about this issue. So the mortgage company can keep lying as long as its to a judge i dont mind anymore/ I now have two home insurance defaults due to the mortgage company not paying at all or on time. I am being forced to pay all the late fees and the home insurance twice out of pocket so my insurance isnt turned off. i have all copies of the defaulted documents and all phone calls are recorded with the home insurance company. XXXX XXXX LIED IN EVERY RESPONSE. original complaint : XXXX STILL STANDS. THEY IGNORED THIS WITH EXUSES AND LIES WHICJ I CAN NOW PROVE IN A COURT ROOM.
05/16/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MA 02151	Web
I am currently the homeowner of XXXX XXXX XXXX in XXXX, Massachusetts XXXX. I have been seperated from my estranged husband since XX/XX/2015. We currently still own the home together. I have applied for a loan modification since I have fallen behind on my mortgage payments. In a conversation yesterday with a Customer Service member XXXX who claimed she did not have a last name or identification number, she told me I needed additional information to process my application. When I asked for the information in writing to forward to my estranged spouse, XXXX told me she was not sending me any further correspondence and claimed the information was on the previous correspondence which it was not. I asked to speak to a supervisor who did not return my calls. I submitted all of the information they asked. If they require additional information a detailed letter should be sent.
02/14/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 30338	Web
My mortgage was sold from XXXX XXXX XXXX XXXX around XXXX or XX/XX/2014. Since then, the loan has been sold more than once but the servicer has not changed from Gregory Funding, LLC which is currently the mortgage servicer. Gregory Funding has been receiving more than the monthly due amount each month for years yet they refuse to report payment history to any of the credit agencies. This act has caused me the opportunity to refinance and further obtain any credit for the payments being made. Coupled with the fact that XXXX has a picture of myself and my wife exiting this home. we are being identified as XXXX in an affluent neighborhood and the refusal to credit the payment history is discrimination coupled with the fact that any lender can readily identify the applicants ( me and my wife ) as XXXX people- based on the fact that XXXX shows our picture at this address.
08/07/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA XXXXX	Web	Older American
Please refer to Complaint # XXXX and Complaint # XXXX - Please note that the response from Gregory Funding to these two complaints doesn't include a name and/or direct line to whoever wrote the letter, just telling me to contact their general number with any questions which is virtually impossible. As stated in the first two complaints it is extremely difficult to get thru to Gregory Funding, wait time to get thru to them is a minimum of 90 minutes. Sometimes a recording comes on and tells you that they can call you back, but they never do. This is my third complaint with the CFPB regarding my real estate taxes which are escrowed. My taxes were finally credited to my account with the City of XXXX, and I have been charged {$100.00} in interest and turned over to a collection agency for nonpayment, this amount will increase every month that this is not paid.
05/06/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 070XX	Web
This is a third or more of attempts to have my problems/issues resolve with Gregory Funding. I am not able to make online payments. I am aware of the pandemic and limitations to having people working as before, but I am not getting a response from the mortgage company XXXX Gregory Funding XXXX within a reasonable time. Erroneously my XXXX 's 2020 mortgage payment was applied to the XXXX 's 2020 payment by Gregory Funding, when I had already made the XX/XX/2020 to the previous mortgage company XXXX XXXX XXXX. As stated on Gregory Funding 's letter, payments on the account should be forwarded to them as on XX/XX/2020, but the letter is dated XX/XX/2020 which came after the XXXX 's payment was already submitted to the XXXX company. Gregory Funding should have not applied the XXXX 's payment towards the XXXX 's and afterwards say that I am/was behind my payment.
07/16/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91977	Web	Older American
We have had a very difficult time with XXXX XXXX. We tried to do a loan modification and could not afford the mortgage payment. We have placed our property on the market to sell. XXXX XXXX and the investor have refused to postpone sale dates while we go through this process. We have had to get free assistance from legal aid. We now have a full file in the system in review with XXXX XXXX, that has met the numbers requested by XXXX XXXX for approval, and now they have refused to postpone the sale date. From my understanding, this is illegal in the state of California. ( California Bill of Rights ). All documents requested have been received by XXXX XXXX. We feel like XXXX XXXX is lying to us, and only want to foreclose and kick us out on the streets. We simply want to avoid foreclosure. We are both retired living off a fixed income. Our SSI and XXXX Pension.
10/13/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX XXXXX	Web	Older American
I paid my home off at XXXX XXXX XXXX XXXX, XXXX, Texas on XX/XX/2022. Around XX/XX/2022, there was a three-way call with Gregory Funding , the title company and myself regarding the escrow owed which was verified at {$2700.00}, and the representative stated the escrow was released. I asked when it was mailed and he stated it had not been mailed but would mail it within 15 days. As of today I have not gotten my escrow payment back. I also called back about a week ago to give them the new forwarding address to send the payment to which is XXXX XXXX XXXX, XXXX, Texas XXXX and still have received the payment. They also told the title agent that it would take 45 days to release the papers for the home in which the title agent thought it was quite excessive compared to other mortgage companies. I would like my escrow back as soon as possible please.
04/13/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 786XX	Web	Older American, Servicemember
XXXX XXXX XXXX sold my loan to XXXX, which is administered by XXXX XXXX, XXXX. I was in an 18 month deferral for payment to XXXX until XXXX XXXX, XXXX because I lost my job because covid affected my employers business and I could not make payments during that time. I was laid off on XXXX XXXX. I started making payments to XXXX again for XXXX, XXXX, and then for XXXX and XXXX. XXXX sold my loan effective XX/XX/XXXX this year. I then began making payments to XXXX for XXXX and XXXX. However, Gregory has moved those last five payments to unpaid months in XXXX and have notified me that I am delinquent and subject to foreclosure. This is not accurate. I have requested first, of XXXX and second, of Gregory to roll my unpaid interest and escrow amounts ( {$38000.00} ) into a balloon payment due at the end of the loan. They have not responded.
04/01/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33010	Web
My loan was transferred from XXXX XXXX to Gregory Funding. I was on a forbearance program last year. This year, I started to pay my monthly payment every month on time ; however, I was told that they were processing all payments manually. This process is causing a late fee every month due to the volume of customers they have in their books. This XXXX, I've received a Forbearance Agreement Trial for three months. Payments are high. After the three months, I have only one option, Loan Modification. I do not want to extend my Loan or keep the high monthly payments. I thought the government stated that customers would be able to put the amount owed at the back of the Loan. I have been in communication/conversation with Gregory Funding almost every month, dates documented. Please help. Assistance will be appreciated. Thank you!
05/11/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 195XX	Web
this complaint shall follow complaint number XXXX XXXX XXXX sold the servicing to XXXX XXXX on and about XXXX according to XXXX XXXX the escrows were never transfered which put the account in a deficite and increased the mortgage balance up {$22000.00} + made several attempts to resolve the escrow dispute. i was told by them that it was my responsibility to make sure that the escrows were transferred from XXXX XXXX to XXXX XXXX that caused the mess that i/we are in currently. facing foreclosure, please if possible stop that action as i currently have refinance in place to take out XXXX XXXX however, the payoff is the dispute, if you could help me drill down the exact figures required to pay off XXXX XXXX because of all the past problems. made several attempt to bring mortgage up to date and they refused the money.
11/06/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Foreclosure	MD 21221	Web	Older American
First, they take at least one hour or longer to answer. And whoever answers I ask to speak with Loss Mitigation and they told me no department like that exists. I feel that they don't want to help me. My wife and I have been XXXX XXXX XXXX XXXX XXXX. we don't want to lose our house. we have no where to go. I am XXXX and my wife is XXXX and we are both XXXX. First I was told no sale date and now I told that I do have a sale date on XX/XX/14, but I never received any papers telling me this. I did get papers from a law firm and I called them and they told me no sale date. I don't know what to do. When my loan was sold to Gregory Funding from XXXX XXXX, my loan payment went up {$600.00} but they did not explain for what- my property taxes did not go up that much and I pay my own home owners insurance.
08/22/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30039	Web	Older American
Gregory Funding is serving my loan and fraudulent assignments are being used to foreclose. They accepted 2 payments of {$5000.00} XX/XX/XXXX and {$5000.00} XX/XX/XXXX. They required these payments for a loan modification Instead of modifying my loan was sent to a foreclosure attorney. This clearly against federal law XXXX tracking laws were established in XX/XX/XXXX. They have my money which was sent va certified funds. The assignments are fraudulent and robo signed. Fraud can't be the basis of obtaining a deed. I have sent 2 QWR and neither have been addressed. I Also asked for the gap accounting and it was sent either. I ask for the Ombudsman department and I was told they didn't have that department. I sent a notice of error and they have not responded to any of my correspondence
10/13/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	FL 33027	Web
My loan was transferred from XXXX XXXX to Gregory Funding but I had applied for a loan modification on XX/XX/2021 and my loan was transferred to Gregory Funding on XX/XX/2021. When I used to check my XXXX XXXX XXXX, it stated a modification was successful but now Gregory Funding agent telling me when a loan is transferred, there are 100 of documents. Gregory Funding LLC has been a nightmare to me and by looking at their reviews it say 1 star. Almost everyone with similar complaints. It doesnt seem that Gregory Funding will not abide by the process that was already in place. I got everything in writing from from XXXX XXXX what was my options after my forbearance. Gregory Funding agent was asking me what documents I have and instantly I felt something is not right.
06/28/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA XXXXX	Web	Older American
Please refer to # XXXX as this is the same problem. Unfortunately whoever answered the previous complaint did not sign or indicate a name on the letter to me so I am unable to address him/her. Although Gregory Funding has stated that they sent my tax payment to the XXXX XXXX XXXX on XX/XX/2022 it has still not been received and credited by the XXXX XXXX XXXXXXXX. 14 weeks later my original tax payment of {$2300.00} generated fines and penalties resulting in the amount due to the XXXX XXXX XXXXXXXX as {$2500.00}. I have tried to get thru to Gregory Funding to obtain a copy of the cancelled check so that I can work with the XXXX XXXX XXXXXXXX to credit my tax obligation. It is impossible to get thru to customer service, therefore there is no customer service.
02/23/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33411	Web
I am very dissatisfied with my Mortgage Servicing company, Gregory Funding, XXXX. I have extensive damage in my home due to a hurricane. It took me 3 years of legal action to get my insurance company to settle out of court for the amount of the repairs. The settlement check was cut in the middle of XXXX to my mortgage servicing company and they have yet to pay out any amount of the settlement as they have been instructed to. When I or my attorney 's office try to call we are kept on hold for sometimes over an hour. When we email them, we get no response. How can a company be allowed to operate like this? The worst part of this, is that we didnt choose to work with this company. Our mortgage was sold to them and they were forced upon us.
06/21/2021	No	Mortgage Conventional home mortgage	Trouble during payment process	IN 46804	Web
Gregory Funding bought my loan from XXXX XXXX on XX/XX/2021. Since this time they have refused to a knowledge my XXXX payment and repeatedly said that I was 30 days behind. I even emailed them my bank statement showing my payment was taken out by XXXX on XX/XX/2021. I ave also given them.an email from my loan officer at XXXX which states that they were wired the money from this payment and it was to be credited to my account. This payment was also acknowledged by an officer at Gregory Funding. I also have shown them my statement my XXXX as of XXXX showing that there are no past due statements. It is not my responsibility to do this but I have documented this for them anyway to expedite the progress to no avail
12/17/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 080XX	Web	Older American
Was in a 6 month forbearance with Gregory Funding since I was unable to make the high mortgage payment when my husband died suddenly. I have made all the payments and they have not paid the 3rd and 4th quarter property taxes which I received a letter from the city saying my home was going for sheriff sale first week of XXXX. I tried to reach out to Gregory Funding and was on hold for OVER AN HOUR and was told they wouldn't be paying them until the forbearance was complete. I receive a letter from Gregory Funding every month saying I'm late which I was told I wouldn't be because of receiving my SSI check on the second Wednesday of the month and was also charged a fee that no one could tell me what it was for.
01/27/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94538	Web
I would like to know the names of the actual people who benefit from this mortgage. I don't want the trustee. I don't want the trustor. I want the name of the person who OWNS the money I borrowed -- the BENEFICIARY!!! There is a track record of it somewhere. I have reason to believe that the loan has been paid off due to the lender applying for MORTGAGE RECOVERY during a default back in 2013, & that they were paid off IN FULL but are still threatening I owe the money after it was modified. I would like to know the name of this BENEFICIARY who provided the funds to me, NOT THE TRUSTEE or TRUSTOR. By not offering this information upon request is a violation of Mortgage Regulations & laws according to the SEC.
08/21/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	MD 21239	Web
Hello, My name is XXXX XXXX. Currently, I am one payment behind with my mortgage with Gregory Funding. My mortgage company keep adding very high late fees. As a result I owe over {$1500.00} in late fees. I was wondering if you could help me get the late fees removed. And, have the 1 payment moved to the back of my loan. I have a FHA loan and I continued to pay my mortgage during the pandemic. I was never offered the opportunity to have this 1 payment moved to the back of my loam. I feel Gregory funding is a predatory loan company. Also, I have a surplus on my Escrow and I am not allowed to receive these funds. Thank you for your help regarding this matter. Have a wonderful day. XXXX XXXX
04/26/2023	No	Mortgage Conventional home mortgage	Trouble during payment process	MA 02169	Web
First i want t say thank you guys for your help in the past i am not late and yes pay on time this mortage company Gregory Funding continues to raise our mortgage payment this has been the third time i have complaint to you guys about this mortgage company and they continue to do this to me i work hard and i have to pay other bills to make it in life my previous payment was XXXX now its gone up to XXXX i really can not pay the extra money keeping in mind i dont get it when i pay the home mortgage myself were is all the money going please help me thanks XXXX i really could use some legal help i really believe there is something wrong with this ive been dealing with this for years thank you XXXX XXXX
01/01/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	GA 30032	Web
I am current with my mortgage account. However, I receive a notice from the county that my taxes were not paid and they intend to issue a Tax FIFA on my home. I contacted my mortgage company concerning the unpaid taxes and fax them a copy of the county tax notice but received no feedback on what they were going to do to rectify the matter. I called and faxed on XX/XX/XXXX, again on XX/XX/XXXX and XXXX. My taxes was due XX/XX/XXXX. I was given the run around for two weeks and still no decision was made to paid my taxes. I ended up having to pay the taxes due to prevent the issuing of the Tax FIFA. My mortgage company took my money to escrow my taxes and insurance ; and they failed to pay my taxes.
01/20/2021	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	IL 60515	Web
I have a federally backed loan by XXXX - a government owned company division of HUD. I submitted all requested information to apply for modification. The servicer, Gregory Funding, says that they did not receive all my paperwork. I have resent them. They will not confirm receipt. I sent via email which I have a copy of. Their preferred method is to have customer log into account and upload the documents directly. When you do it this way, there is not a record of the submittal created. I am at a loss on how to proceed. Moreover, I requested a CARES ACT forbearance due to being impacted by COVID 19 and my loan being backed by XXXX, a Federal company and division of HUD. The servicer refused.
03/17/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 02169	Web
My name is XXXX XXXX and this is my second complaint about the same issue with you your organization and it seems like your organization is not helping no one. Last year I filed a complaint about how my mortgage company Gregory funding keeps increasing my mortgage payment keeps going up every year. I pay right now XXXX every month frond XXXX XXXX dollars a few years ago last year my mortgage increased by XXXX dollars and I complained to you guys and you guys did nothing. Just a few days ago just got a letter from my mortgage company telling me now I have to pay From XXXX to XXXX dollars something is seriously wrong i really need help of I will lose my home after 20 years.
01/23/2023	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 90011	Web	Servicemember
XXXX XXXX sold the loan without permission falsified the documents and XXXX XXXX was already dead I attached some debt validation, and, XXXX please investigate all the loans on the pdf documents I sent you guys and make sure they follow the federal law and guidelines please and XXXX XXXX closed my business account because of me bringing this up please have them reopen thanks under federal law you have 30 days to leave your investigation. Being right at the description of the processes used to determine the accuracy of completeness of the information is here by requested as well to be approved within 15 days of the complete of your investigation.
04/22/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60126	Web	Older American
My mortgage is in foreclosure. Attorney has motioned for judgement on default. We have paid back all the payments we were behind. Over {$52000.00} the last two years. Gregory funding is asking for over {$22000.00} in back payments to re instate. No explanation as to why they are asking for so much. We completed everything they asked for in paying back our forbearance amount and was current through XX/XX/21. Their modification offer was for {$500.00} more a month than our original payment and we also have to pay our own homeowners insurance. Another {$180.00} per month. They will not work with us or explain why our reinstatement amount is so high
11/13/2023	No	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage Confusing or misleading advertising or marketing	MS 38632	Web
I called and spoke to several different representatives, and was told different information each time. I was told XXXX by XXXX that they had everything they needed but it would take 4 weeks to get the funds back to me. I have been out of my home since XX/XX/XXXX of this year. I have the contractors ready to start and Gregory Funding is keeping me from getting back in my house this year. I have paid my payments on time and I am very frustrated. I really feel that Gregory Funding is only looking out for them as I have been out placed for 5 months. I would like for them to speed up the process where I can get into my home by the end of the year.
04/14/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	OH 440XX	Web	Servicemember
Gregory Funding purchased Mortgage from XXXX XXXX XXXX XXXX. Gregory increased our escrow by over $ XXXXyear stating XXXX XXXX did not pay our property taxes and that we were in arrears. I requested and RFI from XXXX XXXX and the document confirms taxes were paid in XX/XX/XXXX ( due XX/XX/XXXX ) {$4100.00} and XX/XX/XXXX there was an escrow disbursement of {$4700.00}. During the RFI process we were also charged {$2500.00} in legal fees for which XXXX XXXX will not provide details of. They responded that we would have to inquire with Gregory Funding what the legal fees XXXX XXXX charged, as they are no longer the servicer of our loan.
12/01/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91354	Web
I lost my job due to the COVID-19 pandemic. XXXX XXXX County and California public health officials have issued shut down orders to prevent the spread of COVID-19. We are XXXX people in our family me my wife and our XXXX kids. we have no money and our mortgage company harassing us regards monthly payment, they are loan sharks and don't care about anyone beside money. We asked forbearance they give only 6 months after that they ask us to pay upfront fee {$8400.00} and monthly additional {$1500.00}. which we don't have. we get {$700.00} monthly food stamp and {$230.00} unemployment almost over. i am trying to find a job but no luck.
05/11/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 92127	Web
We just completed and discharged our Chapter XXXX bankruptcy officially on XXXX XXXX, XXXX. ALL of our payments had been paid on time, along with {$24000.00} roughly, of interest arrearage paid to the XXXX mortgage holder/servicer Gregory Funding prior to discharge. ( see attached documents ) .To our shock and surprise we received a " Notice of Intent to Foreclose '' from Gregory Funding XXXX dated XXXX/XXXX/XXXX stating that we were delinquent 6 payments back to XXXX XXXX, along with nearly {$28000.00} past due amount, late fees included. The notice also showed that our payment would go up nearly doubling, as of XX/XX/XXXX.
04/04/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	VA XXXXX	Web
Because I am in an active Chapter XXXX Bankruptcy, XXXX XXXX XXXX seems to ignore and do not comply with my request and my attorney consent letter. Just in 2018, I have asked on several occasions by calling ( XXXX ) and asked for the lender name for my mortgage loan, verification and history of payments. I have waited over a week for the requested documents and no documents were sent to me. I called back and was read the Attorney Consent letter but still I have not received the requested documents. I am trying to refinance and every time I start the process XXXX XXXX helps me lose out on refinance opportunities.
08/31/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MA 01960	Web
For the past 2 years, Gregory Funding, my mortgage collector has not made timely payments on my property taxes resulting in interest charges and fees. My City is demanding payment for these fees or I will have a tax lien against my home. I have reached out to them via phone and there is a 2+ hour wait. I sent an email through their Contact Us form and no response. I submitted the bill via an email I had previously with a tax issue and no response. These fees need to be paid by them, not out of my escrow as I did not create this problem. They are causing un-needed stress and financial problems for me.
01/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	FL 33166	Web	Servicemember
XXXX XXXX in the aftermath of Hurricane Irma offered us a repayment plan in XX/XX/2017. We only took advantage of this repayment plan because our understanding was that it would have no negative implications. Fast forward to today, we are now faced with not being to refinance our XXXX because XXXX XXXX in fact did report us as being late on payments on this " repayment plan ''. Be advised, if you are requesting a repayment plan due to a catostophic event, like Hurricane Irma, there is in fact negative reporting done by XXXX XXXX in what is called in the Industry a Verification of Mortgage.
02/18/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AL 359XX	Web
My property taxes are being held in escrow by my loan processor, Gregory Funding. They were due on XX/XX/2020. I was sent a late notice at the first of XXXX with a late fee. I contacted Gregory Funding on XX/XX/XXXX via phone. They confirmed that they have not been paid but said they needed copies of my tax information. On XX/XX/XXXX, I submitted an Error Resolution Notice via mail, email, and fax. I included copies of both bills which contained all information needed. As of this date, XXXX, they have not contacted me. My taxes have not been paid. This company is impossible to work with.
03/27/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 190XX	Web
My Mortgage company escrows taxes to be paid. We have faxed and send the bill to them as per there instructions as soon as we receive it And they have not been paid. We have received a notification from the county that our house may go up for sheriffs sale. The tax bill was faxed to them on XX/XX/XXXX. The tax bill was mailed to them on XX/XX/XXXX. The sheriffs notice was received on XX/XX/XXXX. I called them and cant reach anyone to help us to find out why the bill is not being paid. My statement shows that the money for the taxes is in escrow. The same incident happened last year.
04/07/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IN 478XX	Web
The company XXXX XXXX sent me a letter stating that they will no longer be collecting funds for escrow to pay for hazard insurance. I received the letter on XX/XX/2018 and called them the same day. While I was speaking to them I asked if standard home owners insurance is considered hazard insurance. The person I spoke with stated yes it is. I asked the representative is insurance that covers floods would still be paid through escrow and the representative stated yes it would be. As of XX/XX/2018 they have sent me a check for some of the funds from the escrow account.
09/09/2022	Yes	Mortgage Other type of mortgage	Trouble during payment process	LA 700XX	Web
My Loan was transferred form XXXX XXXX to Gregory funding on XX/XX/2021 I reached out to Gregory funding several times to send me a detail written explanation of my payoff amount of all XXXX of my mortgages for about eight months they had no record of all XXXX of my loans so I ask to start the loss mitigation process so I complied and sent all requested doc all still they will send me information on my loans individually now they are say my default rate is 14 % and have added {$150000.00} yes XXXX XXXX and XXXX XXXX dollars to my balance with no detail explanation
07/29/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 240XX	Web
from XX/XX/2020 till today XX/XX/2020 I have sat on the phone for hours waiting on someone from my mortgage company GREGORY FUNDINGt o tell me why they had not paid my county taxes that is included in my mortgage. Since XXXX XXXX they tell me every time that they will make sure it is paid. I call back several days later to checkon it and it has not been paid. THEY WERE DUE XXXX I called today XX/XX/2020 and it still has not been paid. How do I get away from this company. They are very dis organized. I have never been late paying taxes. This is bad business!
01/25/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 78664	Web	Servicemember
I received a letter from my county tax office on XX/XX/XXXX stating my property taxes have not been paid. I have an escrow account with my lender to pay for the taxes. I have tried to contact my lender, Gregory Funding, on 3 separate occasion ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to no avail. Wait times have ranged from 45 minutes to over 2 hours, which is time wasted because no one ever answers the phone. This exact situation also occurred last year. I have no idea how or why this company is still in business with such horrible customer service.
10/21/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Trying to communicate with the company to fix an issue while managing or servicing your loan	MS 38632	Web
XXXX XXXX, XX/XX/XXXX XXXX XXXX is holding my insurance checks that have been issued in order for me to have repairs done to my home due to damage on XX/XX/23. The serlveity of the damage has cause me to be displaced from my home for the past 4 months, which has caused financial strain and emotional distress.I first spoke to them they said once they received the checks they would promptly sign them and send them back out but are not doing so. They are causing further delay, in my ability to have the repairs completed so that I can return to my home.
12/24/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77493	Web
GREGORY FUNDING & the prior Finance Company are charging late fees that they created because they are selling my mortgage. Also, GREGORY FUNDING & the prior Finance Company are taking my money and they are not applying to my mortgage. They are using and charging for other charges that I did not approve. I also asked to GERGORY FUNDING and prior Finance Company to send my mortgage to a trustable Bank ( XXXX ) and they do not want transfer my mortgage because they want to continue robing my money. I am not agree to continue working with robbers.
04/13/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MN 55126	Web	Older American, Servicemember
My mortgage was originally a XXXX -- it was sold to a Mortgage Servicer Gregory Funding last XXXX of XXXX. During this time the Mortgage was under a Forbearance due to COVID. In XXXX of XXXX I sent in a Modification Request -- after a series of back and forth where they asked for additional information ( which I supplied ) As of Today ( XX/XX/XXXX ) they have not responded with any answer on this Modification Request. What are my rights? Thanks so much for your assistance! XXXX XXXX Mortgage Information : Gregory Funding
01/05/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	PA 19114	Web
The City of XXXX will be putting a lean on my property XX/XX/2021 because of unpaid property taxes in the amount of XXXX that hasn't been receive from Gregory Funding. I make my payments Each month to Gregory Funding which includes payments towards property Tax. I have XXXX $ in my Escrow Account that Gregory Funding has access to but they have not made any payments towards my Taxes. I had several Communication within the past three months with Gregory Funding and FHA and nothing has been resolved at this moment.
01/14/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 182XX	Web
My mortgage company cancelled my escrow account XX/XX/XXXX and didn't notify me. They are charging me for escrow though still and have taken out of my XXXX through XX/XX/XXXX payments. My home owners insurance was cancelled as they didn't pay it. They raised my inters from 4.5 to 5.5 effective with payment due XX/XX/XXXX. They still haven't been added to my credit report since XXXX of last year. I hold for hours to speak to an agent and just get the run around Gregory Funding
07/29/2020	No	Mortgage Conventional home mortgage	Trouble during payment process	PA XXXXX	Web
This is my second complaint over the same issue. My loan was transferred from XXXX to Gregory Funding. At the time of transfer I was in the last month of my loan modification trial period. XXXX assured me the Gregory Funding was legally bound to honor my modification terms. I have made all payments on time yet Gregory Funding still has not created a loan modification and are now sending me letters with late fees. This is mortgage fraud and I want them investigated.
02/15/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MI 484XX	Web
We are trying to get our mortgage modified but they want money up front. My mortgage has been bought and sold so many times, I'm not sure who holds the note. I am disabled, I put {$100000.00} down on my home. Now they tell me my home is worth {$80000.00} less. I need help. I want to keep my home, we have been here 20 years. Just a payment to fit my ssdi. They do a modification, bam my payment goes up. No help, should I sue these companies? Thank you, XXXX XXXX
10/26/2020	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA XXXXX	Web
On file complain on XX/XX/2020 case # XXXX Requesting mortgage note Gregory funding did send dee of trust form and all information is not correct and not recorder by the state of californian and my legal name is not in there files and send me a letter want to foreclosure whit not properly legally file ducument s not We need to be stop to file in court and show right legal documents I will send copy s they did send 7 copies Is clear documents are not correct
08/20/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CO 80206	Web	Older American
I now have the second modification from Gregory Funding and its the first month of a three month program HUD I DO NOT WANT THIS NEW NOTE going from a 30 year mortgage to a 40 year mortgage and they are adding {$60000.00} to my note for being 164 days LATE== this is XXXX XXXX and I want to crure the late fees of {$15000.00} BUT THEY WILL NOT LET ME REINSTAMENT IS MORE THAN {$22000.00} WHY IS THIS= XXXX XXXX XXXX XXXX XXXX Gregory Funding loan number XXXX
02/24/2021	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	MA 02169	Web
My mortgage is with Gregory funding previously to them XXXX XXXX had the loan and I guess Gregory funding got of hold of it ever since Gregory funding has had my mortgage I have had fees after fees my payments have gone up drastically to a point that its out of control also Ive tried to get help and they have not given me any options like a loan modification or try to restructure my payments noting and now Im afraid of loosing my home after 20 years.
10/03/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30316	Web	Older American
My mortgage company has applied forced insurance on my premiums but will not provide the name and the amount paid each month/year. I initially provided homeowner 's insurance but the mortgage company refused to pay it. Instead, they applied another insurance ( forced insurance is what they called it ) and refuse to send me a copy of who the insurance carrier is. I did ask who was paying for the insurance and they stated that it was being escrowed-
05/30/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 33470	Web
1 I have been paying my mortgage to Gregory Finance Company for 3 years and now I need to refinance my mortgage. They have not sent my payment history to the credit bureau. 2 I was verbally told by them I need to pay {$1800.00} to bring my account current which was due to some disputed charges. I was to get back {$5900.00} in escrow and to date they have refused to pay me back my escrow overage. I could not get any written communication from them
05/12/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 082XX	Web
We where sold to Gregory Funding Mortgage Co. in XX/XX/2021, after our 1st payment to them the told us that we owed the XXXX dollars. There lawyers told us we where up to date when we where sold to them, Gregory funding told us that any payment we sent other than the XXXX would not be concerned a payment and kept adding to the XXXX which is now XXXX and put us in foreclosure. They started sending payments back and stating we did not send them any
10/28/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77493	Web
As I explained before too many times, XXXX are selling and selling my mortgage. Right now, GREGORY FUNDING ( XXXX- XXXX CA XXXX. NO ADDRESS AS YOU CAN SEE ) is showing delay payments in my mortgage since I paid before to the prior Finance Company XXXX LOANS. These Companies are doing fraud to get more money. Now they are asking Fees & Changes. I do n't want to continue paying my mortgage with robbers. I want to pay my mortgage in XXXX.
04/16/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91977	Web
I have had a very difficult time with XXXX XXXX. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. XXXX XXXX always seemed to lose my paperwork, which I constantly had to re-fax. Last month I had a full modification package submitted to the lender. At the last minute, they placed a sale date on my property and declined my modification review.
06/23/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NH 032XX	Web	Servicemember
I lost my house to a fire on XX/XX/XXXX. Gregory funding mortgage company has had the insurance check for 5 weeks now and am still waiting for them to credit my account. I need them to do this so that I may sell property as is and find a new home. I had lived there for 24 years and I lost everything. I am retired XXXX XXXX XXXX XXXX, served XXXX. They need to finalize this for me. I would appreciate any help with this.
04/08/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VA 245XX	Web
My loan was in forbearance with XXXX XXXX and was sold to Gregory Funding. Once Gregory Funding took over my loan, they did not honor my forbearance and they are requiring payment of all of the amount that was put into forbearance. So they are saying that I am behind on payments and the entire {$25000.00} is due immediately. Even though I am making my monthly payments they are charging me a monthly late fee.
07/14/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60409	Web
XXXX XXXX failed to follow the provisions of Regulation X of RESPA. They never provided XXXX XXXX with the Post Foreclosure Referral Notice required by 12 CFR 1024.39 ( b ), they never made the live contact with XXXX XXXX required by 12 CFR 1024.39 ( a ), and they " dual tracked '' XXXX XXXX ' loan by simultaneously advancing foreclosure while he was in review for loss mitigation.
12/29/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MD 21221	Web
Gregory Funding has not paid my insurance which caused it to be terminated and nor my Taxes for the past year. Gregory Funding purchase my loan from another company with an escrow and I have been paying the same amount of mortgage and Gregory Funding not doing what they are suppose to do. Why do they even have my mortgage and my escrow account and not paying the bills?
01/15/2021	No	Mortgage Conventional home mortgage	Trouble during payment process	NJ 070XX	Web
I do not receive mortgage statement neither by mail or emails, none available. I am not able do online or by phone payments. no response to any of my emails and certify letters. Erroneously my XX/XX/2020 mortgage payment was applied towards my loan balance principal and this has caused their records to be a month behind. Mortgage modification information.
09/27/2020	No	Mortgage Conventional home mortgage	Trouble during payment process	MI 492XX	Web
Gregory Funding is trying to collect $ XXXX month ( over {$2400.00} a year ) for my escrow account on my mortgage. I've provided proof that my current property taxes for this year have totalled to about {$910.00} for the year. They have said they would reexamine my escrow, but have not contacted me, not has my escrow amount due changed.
10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	IL 604XX	Web
Gregory Funding is the company that sends me statements and takes my mortgage payments every months. over 12 months have went by and they are not reporting to any of the credit companies. I have called them multiple times and its not still reporting. They took over my mortgage loan in XXXX of 2022.
11/30/2020	No	Mortgage Conventional home mortgage	Trouble during payment process	IL 60432	Web
When trying to make a monthly mortgage payment to Gregory Funding, which is a new mortgage company, as our loan was transferred, the website keeps crashing. When attempting to call, the number provided goes to some random voicemail. I have no confidence in making payments to this company.
02/25/2021	No	Mortgage Conventional home mortgage	Trouble during payment process	NJ 070XX	Web
Gregory Funding has not responded to my complaints with in the 30 days period. Gregory Funding is not paying my property taxes from my monthly mortgage escrow. I will escrow my monthly mortgage payments moving forward and pay the taxes myself until this problem is resolved.
10/31/2023	No	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	OH 444XX	Web
Gregory funding not reporting payments or mortgage balances to credit bureau and ever time I get credit score it says lack of realistate history hurting my credit score which makes me pay higher interest rates because of lower score how is this fair credit reporting
05/21/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92683	Web
XXXX XXXX XXXX transFer mortgage to Gregory funding to serving. snd. also. sold my mortgage. ownership and. new owner. # acc. is. the. same. as the new servicing. company. I need to request letter of mortgage truth lending disclosure statement
11/03/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Escrow, taxes, or insurance	TN 37214	Web	Older American
Gregory funding are a bunch of crooks they raised my mortage XXXX dollars a month which they claimed was due to higher taxes and now i find out they are not paying my taxes and charging me they need to fix this I jave a perfect payment history
04/15/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85023	Web
Gregory Funding is demanding money for an escrow account because " you are delinquent in paying your taxes ''. My taxes are current until XX/XX/2020. They refuse to answer their phone, i have held up to six hours and never spoke to anyone..
09/15/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 91768	Web
I called my mortgage company on XX/XX/2021 and spoke with a agent and she said the mortgage company is not insured by FDI and there for they cant help us and pressuring me to somehow pay late late balance
04/12/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 236XX	Web
they keep taking my money when i pay extra on my principal and telling them on the money oder to apply to my principal only they taking my money and apply it like month payment i more in attachment
03/07/2022	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Information is missing that should be on the report	CA 90805	Web	Older American
company does not want to report- verification status or record of payment history to credit bureaus. Was told that they did not have to.
09/27/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NJ 07726	Web
We want to make 3 consecutive payments to this company so we can refinance after coming outta forbearance and they refuse to let us??
01/21/2024	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage An existing modification, forbearance plan, short sale, or other loss mitigation relief	FL 33029	Web

01/12/2024	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage An existing modification, forbearance plan, short sale, or other loss mitigation relief	CA 93422	Web	Older American

01/11/2024	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Foreclosure	NJ 08618	Web

01/11/2024	Yes	Mortgage Conventional home mortgage	Trouble during payment process Trying to communicate with the company to fix an issue while managing or servicing your loan	VA 22003	Web

12/28/2023	Yes	Mortgage FHA mortgage	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	MD 20735	Web	Servicemember

12/28/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Trying to communicate with the company to fix an issue while managing or servicing your loan	MD 20735	Web	Servicemember

12/10/2023	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Account information incorrect	TX 76248	Web

12/05/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Escrow, taxes, or insurance	CO 80207	Phone	Older American

12/01/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage An existing modification, forbearance plan, short sale, or other loss mitigation relief	NC 27704	Phone	Older American

11/29/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Trying to communicate with the company to fix an issue while managing or servicing your loan	CA 91709	Phone	Older American

11/13/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Foreclosure	GA 30083	Referral

11/06/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Payment process	MD 20744	Web	Older American

10/27/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Escrow, taxes, or insurance	RI 02889	Web	Older American

10/26/2023	Yes	Mortgage Conventional home mortgage	Credit monitoring or identity theft protection services Billing dispute for services	NJ 08053	Web

10/03/2023	No	Mortgage FHA mortgage	Trouble during payment process Escrow, taxes, or insurance	OH 45240	Phone

10/02/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Escrow, taxes, or insurance	FL 33056	Web

10/02/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Payment process	FL 33056	Web

09/27/2023	No	Mortgage Conventional home mortgage	Trouble during payment process Trying to communicate with the company to fix an issue while managing or servicing your loan	LA 70816	Web

09/26/2023	No	Mortgage Conventional home mortgage	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	FL 32940	Web

09/21/2023	No	Mortgage Conventional home mortgage	Struggling to pay mortgage Foreclosure	GA 30218	Referral	Older American, Servicemember

08/21/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 32824	Phone	Older American

08/07/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 31535	Web

08/07/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19116	Web

08/02/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90221	Web

08/01/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 08825	Web	Servicemember

08/01/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 08825	Web	Servicemember

07/31/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 20176	Web

07/25/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33982	Phone	Servicemember

06/27/2023	Yes	Mortgage FHA mortgage	Trouble during payment process	GA 30083	Web

06/20/2023	No	Mortgage FHA mortgage	Trouble during payment process	GA 30083	Web

06/06/2023	Yes	Mortgage FHA mortgage	Trouble during payment process	OH 45240	Phone

05/18/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30034	Web	Older American

05/18/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 78753	Web

05/15/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 23693	Web

05/01/2023	Yes	Mortgage FHA mortgage	Trouble during payment process	MD 21122	Phone	Servicemember

05/01/2023	Yes	Mortgage FHA mortgage	Trouble during payment process	SC 29604	Phone

04/25/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29681	Phone	Older American

04/20/2023	Yes	Mortgage FHA mortgage	Trouble during payment process	IL 60073	Phone

04/14/2023	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NV 89451	Web	Older American

04/06/2023	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	PA 19140	Web

04/05/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NJ 07734	Web Referral

01/28/2023	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	FL 32818	Web	Older American

01/23/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92627	Phone	Older American

01/12/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30907	Phone	Older American, Servicemember

12/19/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CT 06854	Web

12/16/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77449	Referral

12/12/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90744	Referral

10/03/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	SC 29063	Web

09/27/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 22003	Web

09/20/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 95219	Phone	Older American, Servicemember

09/02/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85018	Phone

07/21/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91354	Phone

06/29/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07076	Web Referral

06/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11207	Referral

06/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11207	Referral

05/24/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00727	Phone

05/24/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	IL 60805	Web

05/24/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MN 55126	Referral

05/10/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 61420	Phone	Older American, Servicemember

05/03/2022	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	SC 29604	Phone	Older American, Servicemember

04/26/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 93637	Web

04/25/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MA 01119	Referral

04/22/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 10576	Web

04/13/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33060	Phone	Older American

04/04/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08081	Web

03/25/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60653	Web

02/19/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 236XX	Web

02/14/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 15237	Postal mail

02/12/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92307	Phone

02/10/2022	Yes	Mortgage FHA mortgage	Trouble during payment process	VA 20109	Phone

02/04/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 93035	Web

02/02/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 60417	Referral

01/31/2022	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NY 11706	Web

01/28/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	KY 41017	Postal mail

01/11/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AZ 85249	Web

12/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	IL 60471	Phone	Older American

12/02/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	CA 94110	Referral

12/01/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	AL 35126	Web

12/01/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	OH 44904	Web

11/29/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	KY 41015	Phone

11/15/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34209	Web

11/11/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34209	Web

10/29/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MO 641XX	Web	Older American

10/20/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 34604	Phone	Older American

10/01/2021	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	DC 20017	Web

10/01/2021	Yes	Mortgage FHA mortgage	Trouble during payment process	MD 21239	Postal mail

09/29/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33830	Phone

09/29/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11369	Postal mail

08/29/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	WA 98445	Web	Servicemember

08/27/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	VA 23832	Web

08/13/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 61420	Phone

07/27/2021	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	DC 20017	Web	Older American

06/25/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30034	Referral

06/04/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30038	Web

05/25/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90045	Phone	Older American

05/13/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	IL 62234	Web

04/19/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 07062	Web

04/07/2021	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA 90043	Phone	Older American

04/06/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 93035	Web

03/30/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 12118	Web

03/28/2021	No	Mortgage Conventional home mortgage	Trouble during payment process	GA 30038	Web	Servicemember

03/22/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30044	Web

03/09/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90744	Phone	Older American

02/25/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NC 287XX	Web

02/24/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30034	Phone

02/19/2021	No	Mortgage Conventional home mortgage	Trouble during payment process	FL 33701	Referral

02/04/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 08865	Web

01/26/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 79705	Phone

01/25/2021	No	Mortgage Conventional home mortgage	Trouble during payment process	GA 30506	Web

01/15/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone	Older American

01/14/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	PA 18657	Web

01/13/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30044	Web

01/11/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 236XX	Web

01/11/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 94513	Web

01/05/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	IL 60641	Postal mail

12/22/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33432	Web

12/22/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90003	Referral

12/18/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	TX 79705	Phone

11/27/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PA 19002	Postal mail

11/18/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone

10/23/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92411	Web

10/16/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 90502	Phone

10/14/2020	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 31907	Fax

10/09/2020	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92704	Web

10/01/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	VA 20112	Referral

09/18/2020	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 92411	Web

09/15/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92683	Referral

09/02/2020	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30218	Referral

08/18/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11703	Phone

07/27/2020	No	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	MA 01376	Web

07/23/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33027	Web	Older American

06/24/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	CA 90605	Referral

06/04/2020	Yes	Mortgage FHA mortgage	Struggling to pay mortgage	CA 92021	Phone

05/22/2020	No	Mortgage Conventional home mortgage	Trouble during payment process	CA 92880	Phone

05/18/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33182	Web

05/03/2020	No	Mortgage Conventional home mortgage	Trouble during payment process	VA 236XX	Web

03/16/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MO 64155	Referral

03/12/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NV 89084	Referral

03/04/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL XXXXX	Web

02/07/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage		Phone	Older American

01/14/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VA 235XX	Web

12/02/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 23454	Phone

10/29/2019	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 32168	Postal mail

08/20/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	VA 236XX	Web

08/13/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 30034	Phone

05/14/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 14224	Web	Servicemember

10/17/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	WA 98354	Web

10/04/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 34741	Web

09/27/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	VA 23661	Phone

06/13/2018	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	VA 23661	Postal mail

05/29/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30045	Web	Older American

04/11/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 20707	Web

04/04/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	VA 23661	Postal mail

03/28/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	AZ 85225	Referral

03/07/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 77092	Web	Older American

02/23/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MD 20707	Web

02/21/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone

12/20/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	PR 00727	Phone

12/18/2017	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	SC 29072	Referral

12/14/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NY 11552	Web

12/07/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NJ 08105	Referral

09/21/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage		Phone

09/09/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MI 48044	Web

08/23/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NJ 08016	Fax

07/20/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 91103	Web

06/27/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	MD 20744	Web

06/06/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33403	Web

04/28/2017	Yes	Mortgage Reverse mortgage	Struggling to pay mortgage	NC 27703	Web

03/30/2017	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NC 27587	Web

03/28/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	MD 20744	Referral

03/27/2017	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	MD 20744	Postal mail

03/09/2017	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	TX 75034	Web

01/06/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NY 11435	Web

01/05/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	MD 20874	Web

11/16/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33173	Referral

10/24/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NH 03071	Referral

10/19/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	CA 21222	Web

10/02/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	TX 77493	Web

09/12/2016	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	KY 40211	Web

07/21/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NY 11212	Web

07/11/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	IN 46208	Web

06/20/2016	Yes	Mortgage FHA mortgage	Loan servicing, payments, escrow account	FL 33157	Web

06/03/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NJ 08062	Web

04/25/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	NJ 08753	Referral

03/28/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NY 10562	Web

02/26/2016	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NJ 08081	Web

01/13/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	GA 30030	Web	Older American

01/07/2016	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 20850	Web

01/06/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	SC 29412	Referral

12/08/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 11101	Web

12/03/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	IL 60029	Referral

11/17/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	FL 33301	Web

10/27/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	TX 77088	Fax

10/23/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	MD 20850	Web

09/29/2015	Yes	Mortgage FHA mortgage	Loan modification,collection,foreclosure	NJ 07093	Referral

09/17/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 32266	Fax

09/15/2015	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	VA 22657	Referral

07/07/2015	No	Debt collection Mortgage	Taking/threatening an illegal action Attempted to/Collected exempt funds	NJ 08757	Referral

06/09/2015	No	Mortgage Other mortgage	Other	FL 32309	Referral

04/27/2015	No	Mortgage Other mortgage	Loan servicing, payments, escrow account	FL 34461	Referral	Older American

04/09/2015	No	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 28411	Web

04/06/2015	No	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	VA 23666	Web	Servicemember

11/11/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	VA 23452	Web