| 06/06/2019 |
No |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I am the executor of XXXX XXXX XXXX estate, who died on XX/XX/XXXX. I inherited his two mortgage loans. The first loan dated XX/XX/XXXX, loan was with Bogman XXXX in the amount of {$18000.00} with payment begin date of XX/XX/XXXX, with 240 months with an end date of XX/XX/XXXX, account # XXXX according to the Deed of Trust Note/Promissory Note. Bogman never request these payments to stop after the loan had expired on XX/XX/XXXX. I have never missed a payment with Bogman However, my father was on a fixed income and well pass age XXXX when these loans were taken out. I contacted Bogman XXXX XXXX when my father passed away it had only been two years and nine months Bogman in this contract. Bogman stated that this loan is considered default by death. Bogman could not explain the terminology. Do this mean we give loans to elderly people and once they died the mortgage company takes over the property after death. Bogman never request me to refinance the original mortgage.
Once XXXX took over this loan # XXXX, I start having major problems. This loan was transfer to XXXX in XX/XX/XXXX. First, they claimed I did not have mortgage insurance. I sent them proof of insurance. Next claim they did not receive the information. They tried to increase the mortgage payment based on no insurance. They claimed I did not send the mortgage payments until I had to send the payment by certified mail. I still received harassing phone from different departments for other reason the payment amounts are not correct holding the payments in Escrow not posting causing late fees. Once XXXX discovered the loan contract they start send threaten letters of foreclosure on the property without explaining details the for the lump sum payment. XXXX is trying to force me to refinance monies on an expired contract. Indicating I need to pay {$15000.00} but still accepting the monthly payment in the process. I do not have {$15.00}, XXXX. If this mortgage company is requesting this money show why and where the error was made or existing loan contract. Provide some type of proof of the loan contract. I requested a copy of the loan contract from XXXX and they refused to send the contract instead sent the payment history for the period they serviced this loan. I recently received a letter from XXXX XXXX with a returned check for XX/XX/XXXX from the Loss Mitigation office to contact their office. I called and the only explanation was given to me on XX/XX/XXXX maybe some payments was missed prior to you taken over the payments which is not true. I am still paying this mortgage as of now Both of these mortgage companies had every opportunity to review this loan every year for assessment of escrow for property insurance and county taxes and apply increase to short falls. If the principle mortgage was not satisfied based on the duration of the mortgage contracts. The loan move to numerous hands before being approved. This loan contract should have been verified by the loan processor and underwriting department before being assigned off.
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| 03/21/2016 |
Yes |
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- Loan servicing, payments, escrow account
|
|
Web |
|
|
I short sold my home a few years ago and part of the agreement with my mortgage company was that I would have a $ XXXX payoff amount that would be paid back monthly. Initially this would be paid to XXXX XXXX XXXX Bank, but last spring it was sold to Bogman Inc. When it was held by XXXX XXXX XXXX I had major issues with their billing department, so my account was not accurate when it was transferred to Bogman. I contacted Bogman in XXXX XXXX to obtain a payoff amount for this account and did not feel that the amount that they quoted was accurate due to the issue that I had with XXXX I was asked by a representative who was handling my account at the time to document my poor customer service from XXXX XXXX XXXX because numerous customers whose loans they had taken over had serious issue with billing at XXXX XXXX XXXX. So, On XXXX XXXX, XXXX, I sent a very detailed email to Bogman , Inc and part of my email stated XXXX under the circumstances, I felt that it was completely appropriate for me to refuse to pay the interest that Bogman was going to charge me for nonpayment for the period that XXXX XXXX XXXX Bank were the holders of my loan. That I attempted to pay this loan in full in XXXX XXXX, but could not obtain the correct balance information and as I had documented, I made numerous phone calls to XXXX XXXX XXXX that went unanswered. I was told that my account would be reviewed and that someone would get back to me. Needless to say, I have had to send numerous emails since XXXX XXXX inquiring about that review status of my account and no one has ever gotten back to me. Since Bogman took over my loan, I have never missed a payment ( until recently, I told them that I was not paying them until I herd from someone ) and I believe that they have just taken my payments and and applied a portion of it towards the interested, even though I stated that I was refusing to pay those. I have always been in excellent standing with Bogman ( at XXXX time they held my mortgage loan ) and they actually hold another small payoff loan that was part of my short sale agreement. I am completely frustrated that I have not received a response from anyone at Bogman.
Thank you!
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| 01/03/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My Mortgage company ( Bogman , INC located @ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX ) transferred my loan to XXXX effective XXXX XXXX, XXXX. I have always made my mortgage payments on time since the day of the original settlement date of purchase XXXX XXXX, XXXX. As of last month, my new service lender, XXXX, informed me that I was paying homeowner 's insurance via escrow. I was not aware of this & in fact I have called & inquired this concern to Bogman prior to this notification of my new lender. I have learned through XXXX that BOgman XXXX Inc has been charging me for homeowner 's insurance. In the past when inquired, Bogman 's response to me was that I was not paying any homeowner 's insurance through them. I have always paid a separate homeowner 's insurance through a company called, XXXX for many years. I have proof of my XXXX homeowner 's insurance payments. My concern is that I wish to seek repayment from Bogman , Inc of the money I paid out to Bogman , Inc for homeowner 's insurance that which I did not need as I already was covered under my own homwowner 's insurance each month.
In reviewing Section XXXX of RESPA, I believe I am owed this money because Bogman , Inc did not act in " good faith '' as a provider in providing adequate notice & actually not at all notice of them charging myself as a paying consumer the charges in my escrow account. Again, I was advised by Bogman , Inc via phone that my escrow account only included taxes.
I am aware that XXXX has implemented procedures on XXXX XXXX, XXXX for clarity and changes of settlement procedures for the consumers who have suffered from damages & losses that which servicers violated the revised requirements in providing detailed disclosures & also adequate information when questioned via phone. I believe Bogman , Inc has allegedly performed such illegal act upon myself.
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| 10/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have started going through a hardship since me divorce was finalized in 2014. My ex husband stopped paying half of the bills like we were both accustomed to doing. I lost my XXXX after Making Healthcare Affordable Act was passed because those employers needed to make sure everyone had coverage or they had to pay a fine. After the last unemployment term for 2 weeks, I found a job working at a XXXX XXXX making {$XXXX}. This salary barely covered filling my car 's gas tank weekly. I was able to pay certain bills but not all of them. After working there for 4 months, I found another job making more money. I started getting caught up on the bills and 3 weeks later, the job ended. I found myself unemployed for two more weeks. I did finally found a job making more money and now i am trying to get back on track. I had did a Loss Mitigation package three times and every time I leave voicemail messages for the XXXX contact people I have, no one never returns my calls. I need an answer because I want a resolution that will be fair to me.
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| 03/19/2015 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
I had homesite home owners ins. It was {$2000.00} a year. I had my mortgage company pay my taxes and insurance through an escrow account. I paid {$1500.00} as a fixed price. My taxes have NOT gone up. My PMI has NOT gone up. I changed my insurance company to liberty mutual. My new yearly price is {$1000.00}. When I notified Bogman Inc. of the change, my new monthly payment only went Down {$10.00}. I have called the company 4 times. First speaking to " XXXX '' whom did not help me, then to her manager " XXXX XXXX ''. Who is telling me they have only been paying {$1000.00} a year for my previous years insurance, which is a lie.
|
| 12/12/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
Older American |
|
We paid off our mortgage XXXX 2015 and have yet to have the mortgage discharged.
The company Bogman Inc.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX or Toll Free : XXXX Fax Lines : XXXX ; XXXX Bogman has failed to find the paperwork. Bogman has accepted and cashed our check and still failed to discharge our mortgage, they claim they can not get in to the software because of a lost password. In contacting the Commonwealth of XXXX, Division of Banks, Bogman Inc has failed to be licenced in XXXX.
|
| 11/29/2023 |
No |
- Mortgage
- Conventional home mortgage
|
- Closing on a mortgage
- Trying to communicate with the company to fix an issue with the loan closing
|
|
Web |
|
|
|
| 12/09/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/03/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/15/2019 |
No |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/10/2019 |
No |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 05/28/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 05/15/2017 |
No |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 05/31/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 04/29/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 12/03/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 10/01/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/29/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
Older American |
|
|
| 04/23/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/14/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/22/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/31/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/22/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/25/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/20/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/31/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/17/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/17/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/16/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/25/2013 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/23/2013 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 04/09/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/27/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/08/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 03/02/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/22/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/03/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 12/13/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/12/2012 |
Yes |
|
|
|
Postal mail |
|
|
|
| 08/15/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/24/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/12/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 05/02/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 04/25/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 03/15/2012 |
No |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/13/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/01/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 01/18/2012 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|