| 12/06/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
- Foreclosure
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Web |
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Complaint Facts : TRINITY FINANCIAL SERVICES , LLC, XXXX XXXX XXXX and PXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX commenced a foreclosure lawsuit on XX/XX/XXXX, to foreclose on me and my wifes property located XXXX XXXX XXXX XXXX XXXX, XXXX. TRINITY FINANCIAL SERVICES , LLC, was assigned the mortgage from US Mortgage Resolution LLC XX/XX/XXXX, per document # XXXX recorded XX/XX/XXXX, but never sent any notice to us that this assignment had occurred. TRINITY FINANCIAL SERVICES , LLC never performed any of the servicing functions like introduction, notices, billing statements or account related updates breaching an assignees fiduciary duties and never creating a contractual agreement with my wife and I.
After reading the XXXX XXXX XXXX claims from people with similar complaints as ours and the fact that TFS has an F rating but is still being allowed to operate is very upsetting and very troubling. This is why people are losing or have lost faith and confidence with banking and lenders.
TFS is a predatory stalker of properties with low dollar amount second mortgages that contract document preparation service companies like XXXX XXXX and in this case XXXX XXXX using fraudulently prepared assignments to basically steal unsuspecting homeowners property.
The long explanation TFS submitted in their response to Consumer Financial Protection Bureaus follow up is generic and probably routine. The documents provided in TFSs response that raise a red flag are what I will highlight in this rebuttal response to CFPB.
The date and signers of the Mortgage and the Note : 1. XXXX XXXX XXXX XXXX XXXX clearly shows it was signed by both myself, XXXX XXXX, and my wife, XXXX XXXX, on XX/XX/XXXX XXXX. The next document TFS references as the Note is a generic looking document. It has XXXX XXXX XXXX XXXX XXXX XXXX at the top and is dated XX/XX/XXXX, the same date as the Mortgage, but there is no account number and our names ( XXXX & XXXX XXXX ) are not inserted within the first page, nor the body of the 6-page document that contains terms and conditions similar to a Mortgage for different states that dont include XXXX. The suspicious part is, it was pre-drafted with my wife, XXXX XXXX, name and is signed by my wife XXXX XXXX only but not by me, XXXX. I am on the mortgage and was present on the XX/XX/XXXX, date. The other red flag is it was endorsed by XXXX XXXX, Vice President of XXXX XXXX XXXX XXXX XXXX with a Pay To The Order of to XXXX XXXX XXXX on the XX/XX/XXXX date, but XXXX XXXX XXXX did not merge with XXXX XXXX XXXXXXXX until XX/XX/XXXX, plus when a Pay To The Order Of. is applied to a financial document the obligator, XXXX XXXX, my wife is being released of that obligation. There is no other date within the 6-page document to reference when the transaction occurred and no-account number attaching to the mortgage account.
The XXXX XXXX XXXX XXXX Assignment : 1. The XXXX XXXX XXXX XXXX Assignment is a very questionable document because it was prepared by, requested to be recorded by and executed by XXXX XXXX XXXX, Vice President of XXXX XXXX and returned to XXXX XXXX, XXXX XXXX, a division of XXXX XXXX, all in-house. Why was XXXX XXXX XXXX XXXX left out of the loop?
2. The XXXX Attorney General, Consumer Financial Protection Bureau and The Federal Tade Commission should seek evidence that XXXX XXXX XXXX XXXX XXXX XXXX, Owner and XXXX XXXX, Co-Founder & Managing Director were really participants in the transaction since we never received any notices, acknowledgements or statements from XXXX XXXX XXXX XXXX after the executed assignment on XX/XX/XXXX, and recorded document # XXXX on XX/XX/XXXX, with the XXXX XXXX Recorder of Deeds.
3. XXXX XXXX XXXX XXXXXXXX officers XXXX XXXX, Vice President and XXXX XXXX XXXX, Vice President both need to be contacted to request notarized statements on their participation in this transaction and specifically why a closing for the buying and selling of this account did not include us since it is our property. This is a remedial oversight action the Attorney General, Consumer Financial Protection Bureau and The Federal Tade Commission should request from both of the XXXX XXXX XXXX employees and the XXXXXXXX XXXX employee.
There are 2 letters that are referenced : 1. The RESPA Welcome Letter from TFS sent to my wife XXXX XXXX dated XX/XX/XXXX. XXXX, in the TFS response states that it was sent to XXXX XXXX because she was the signer of the note, but why was she the sole signer of the note when I, XXXX, am on the mortgage and was present?
2. The RESPA Goodbye Letter sent from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, states that XXXX XXXX XXXX XXXX will no longer be servicing the loan, but it never was a servicer. When did they even become a servicer? Where is the RESPA Hello Letter?
3. Neither XXXX XXXX XXXX or XXXX XXXX XXXX of XXXX XXXX XXXX XXXX or any other employee signed the letter sent saying Goodbye, and what verification can TFS provide to prove the letter was actually sent from XXXX XXXX XXXX XXXX to and received by XXXX XXXX?
XXXX XXXX and XXXX XXXX Through our research it was discovered that the assignment and allonge signed by XXXX XXXX are fraudulent documents. The assignment and allonge were prepared by XXXX XXXX XXXX XXXX and XXXX signed by XXXX XXXX who list herself as Assistant Vice President of Trinity Financial Services , LLC, Assistant Vice President of XXXX XXXX XXXX XXXX and Assistant Vice President of XXXX XXXX XXXX an unrelated assignment, when she is actually a seven-year employee of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX ( XXXX ) XXXX E-mail : XXXX XXXX unrelated assignments are enclosed for review showing XXXX XXXX as the Assistant Vice President of 3 different companies within months, and even days apart. XXXX XXXX should be investigated, interviewed and required to submit a notarized affidavit of her role in this document forging scam. This is a remedial oversight action the Attorney General, Consumer Financial Protection Bureau and The Federal Trade Commission should act on immediately before our family and other families are further damaged. This one factor really should be enough to dismiss TFSs claim and demand the XXXX XXXX XXXX start the process of Quiet Title on my property by the oversight governing bodies.
Personal Statement : This whole ordeal has been a nightmare for me and my wife. It put us both under a great deal of pressure. I was under so much pressure I had trouble sleeping and it took a toll on my health and stressed my wife out so much that she almosXXXX XXXX XXXX XXXX, born XX/XX/XXXX. This child makes us the parents of XXXX XXXX XXXX XXXX XXXX children with this newest addition XXXX XXXX XXXX XXXX XXXX. We, as a family, continue to pray that our XXXX wasnt affected by the stress my wife was under from being targeted by TFS activities, that shows up letter in her development as described in this exert from a posted article on the subject of XXXX XXXX shared next.
XXXX XXXX XXXX Report : A new study published by the XXXX XXXX XXXX in the XXXX XXXX XXXX suggested that psychological stress and distress during the XXXX period uniquely increases the odds of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' Researchers noted that while effects may be relatively small, they may persist across developmental periods from early childhood through adolescence.
In a separate study published in the XXXX XXXX XXXX XXXX, researchers from the XXXX XXXX XXXX XXXX ( XXXX ) in XXXX found that mothers-to-be who experience even moderate stress during their XXXX are nearly four times more likely to have offspring who develop a XXXX XXXX.
They also implied that women who are severely stressed during the duration of their XXXX are, in some cases, nearly 10 times more likely to have children who are at risk of developing a XXXX XXXX by age XXXX when compared with those whose mothers experience little or no stress during the period between XXXX XXXX XXXX.
The impact of XXXX XXXX on a childs development can carry over to the family environment and parent-child relationships both of which could increase the likelihood, suggested the authors.
The XXXX lockdown is the reason I moved my family to XXXX after I accepted a XXXX XXXX XXXX position for a private corporation located in XXXX giving me the financial means to cover continuous legal filing cost and support my family. The family in the XXXX property has provided needed funds, from rents paid to cover the first mortgage payments, utilities , county taxes and city water services and other maintenance costs. If we lose the rental income, it will be financially devastating because there is nothing stating that the first mortgage obligation will be extinguished if TFS is allowed to succeed in stealing my property that they paid absolutely no consideration for and performed none of the responsibilities of a servicer because they are a small servicer with a very greedy appetite!
TRINITY FINANCIAL SERVICES , LLC, XXXX XXXX XXXX, AFFIANT AND AUTHORIZED REPRESENTATIVEs authority over the subject property and Debt Collector XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are perpetrating fraud on homeowners by clearly representing TRINITY FINANCIAL SERVICES , LLC, XXXX XXXX XXXX, AFFIANT AND AUTHORIZED REPRESENTATIVE as the owner-in-due-course rather than the servicer for the owner pursuant to the finding in XXXX XXXX XXXX and XXXX XXXX where XXXX took the liberty of foreclosing on mortgages as merely a servicer, when it had no legal ground for such an action. TRINITY FINANCIAL SERVICES , LLC, XXXX XXXX XXXX, AFFIANT AND AUTHORIZED REPRESENTATIVE are servicers and therefore proof of legal standing for foreclosure needs to be proven by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and without valid proof the foreclosure case should be dismissed, and the sheriffs deed should be quieted. I believe TRINITY FINANCIAL SERVICES , LLC, XXXX XXXX XXXX DO NOT have lawful Proof of Claim and there is no evidence to the contrary. This is Dishonor in commerce, Theft, Fraud, Conspiracy, and Racketeering.
All the points included in this oversight requires remedial investigating action by the Attorney Generals Office, Consumer Financial Protection Bureau and The Federal Trade Commission because the chancery administrative judges with no legitimate authority because chancery is not a land jurisdiction court, possesses no subject matter jurisdiction and is adjudicating cases in an improper venue, is accepting third party hearsay testimony from legal thugs co-conspirators, are signing off on their complaints and orders to evict legitimate homeowners from their homes, that the sheriffs carryout giving us no recourse but to fight this by reporting it to oversight agencies, otherwise we will be forced into using unconventional means.
We the XXXX Family are peaceful American inhabitants asking this agency to protect myself, my wife XXXX, and my familys civilian unalienable rights guaranteed by the organic constitution of The United States of America ( unincorp ), put aside any prejudicial judgements, and examine the facts. As a direct and proximate result of XXXX XXXX of Trinty Financial Services, LLCs unlawful conspiracy against my XXXX given human and civilian rights have been damaged in an amount that I will prove.
Sincerely, By : /s/ : XXXX XXXX
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| 11/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
- Foreclosure
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Web |
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TRINITY FINANCIAL SERVICES , LLC, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX commenced a foreclosure lawsuit on XX/XX/XXXX, to foreclose on me and my wifes property located XXXX XXXX XXXX XXXX XXXX, Illinois. TRINITY FINANCIAL SERVICES , LLC, was assigned the mortgage from XXXX XXXX XXXX XXXX XX/XX/XXXX, per document XXXX XXXX recorded XX/XX/XXXX, but never sent any notice to us that this assignment had occurred. TRINITY FINANCIAL SERVICES , LLC never performed any of the servicing functions like introduction, notices, billing statements or account related updates breaching an assignees fiduciary duties and never creating a contractual agreement with the XXXX XXXX.
We have since discovered that The Department is the XXXX of Pennsylvania 's administrative agency authorized and empowered to administer and enforce the Mortgage Licensing Act sued Trinity Financial Services , LLC after a review of the business practices of Trinity Financial Services , LLC ( " TFS '' ). Based on the results of its review, together with certain disclosures TFS has made to the Department, the Office believed that XXXX operated in violation of the Mortgage Licensing Act ( the " XXXX '' ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
The Mortgage Serv1cer licensing requirement found in Section 611 l ( a ) of the MLA became effective XX/XX/XXXX. TFS filed its application for License as a Mortgage Serv1cer on XX/XX/XXXX. TFS was servicing loans which TFS did not negotiate or originate at the time of servicing. By servicing mortgage loans which TFS did not negotiate or originate at the time of servicing, TFS acted as a mortgage servicer when it was not licensed to do so.
The Affidavit of Amounts Due and Owing that carries a notarized signature by TLS XXXX XXXX XXXX filed in case XXXX XXXX XXXX falsely states, Lender acquired the servicing rights for the Defendants loan effective on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX At the time of this transfer, the Defendants loan was in default.
This notarized affidavit statement is contradictory to the XXXX XXXX XXXX of Deeds document # XXXX filed XX/XX/XXXX showing the Assignor as XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX executed on XX/XX/XXXX, not XX/XX/XXXX, proving that XXXX XXXX provided false evidence to the court. This clearly exposes that the TLS assignment was fraudulently executed because TLS was in violation of the MLA and was not a legitimate servicer in XXXX.
TFS violated the MLA when it engaged m the business of a mortgage service while not licensed as a Mortgage Servicer 7 Pa CS 611 l ( a ) Claimant has reason to believe the TFS and XXXX XXXX XXXX XXXX XXXX XXXX are fraudulently conspiring to foreclose on Claimants home because servicer TFS did not negotiate or originate the loan and therefore, is not the owner-in-due course and lacks standing to foreclose.
Basically, the court is complicitly allowing TFS through XXXX XXXX XXXX XXXX XXXX XXXXXXXX to steal property fraudulently because I am representing myself in the foreclosure case and have filed counterclaim case XXXX XXXX XXXX XXXX. My property has an estimated value of over {$400000.00} with all the remodeling Ive done, yet TFS is foreclosing with an Amounts Due and Owing stated principal amount of {$18000.00} and a gross amount of {$33000.00}. Claimants are not obliged to pay the instrument if the person seeking enforcement of the instrument does not have rights of a holder in due course and the obligor proves that the instrument is a lost or stolen instrument.
TFS paid absolutely no consideration for my property, not one XXXX because TFS didnt negotiate or originate the loan and wasnt even a license mortgage lender at the time of the XXXX fraudulent assignment. Claimants believe the TFS through XXXX XXXX XXXX XXXX XXXX XXXXXXXX DO NOT have lawful Proof of Claim and there is no evidence to the contrary. This is Dishonor in commerce, Theft, Fraud, Conspiracy, and Racketeering and I am appealing to your office to intervene and stop this gross injustice causing my family unnecessary stress.
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| 01/08/2016 |
Yes |
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- Settlement process and costs
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Web |
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My home is being auctioned off by Trinity Financial LLC in XXXX XXXX, Ca. My loan with XXXX during the time I modified my loan during the year XXXX is period of modification. I had XXXX & XXXX loan. Representative of XXXX told me that XXXX was charged off & there 's only XXXX loan to pay. Once XXXX approved & modified my loan, few months later they notified me via mail the loan was sold to XXXX XXXX & would be servicing my loan now. I was told clearly by XXXX XXXX no longer existed since it was charged off. Once sold to XXXX I continued to pay ON TIME on mortgage payments. To my shock I kept receiving mail from investors and lawyers to help my save my home. I called XXXX they said they were not foreclosing on my home. I found out that this bottom feeder investor company Trinity Financial was foreclosing on my home. How is it legal for this company to foreclose on are home for the XXXX loan. They never notified me or gave me any warning they were foreclosing. Trinity said that we had by XXXX XXXX to contact them to resolve this matter. They requested my financial information which I complied gave them all they needed. Once they received my financial info & felt I ca n't afford to pay what they are asking they cut all contact and put a sale date to auction my phone off by XX/XX/XXXX. Trinity Financial had no intention to try and work with us they had full intention to foreclose and sale my home. There is this boom in Real Estate now where there are bottom feeder investors like Trinity Financial purchases charged off unsecured loans & sits on them for a few years if the house is upside down and wait till the market goes up & the home gains equity then they go after homeowners and I am a victim of this. Trinity Financial has NEVER made attempts to reach out to notify me that they purchased the loan. Do n't homeowners have the right to know who purchased the loan so they know who to make payments to. They sat on the loan for 2 years then they foreclosed then notified me & now are trying to auction my home. Trinity financial requested my financial info from me, made me believe they wanted to work with me. Come to find out they just wanted to see what we can afford then STOPPED all contact with me. When I called the office to speak to XXXX XXXX or XXXX XXXX I was told not to attempt to contact them. I would have to contact their lawyer XXXX XXXX XXXX which I did to confirm they received my financial info & thats when he stopped taking my calls. Not the attorney nor XXXX XXXX President of company nor XXXX XXXX the loss mortgage manager would speak to me. How am I suppose to resolve this if they wo n't speak with me. I personally wrote XXXX XXXX a letter asking to work me & received no response. They only option they gave me is to pay XXXX or home will be auctioned off. I hired lawyer to speak to their lawyer to resolve this & their lawyer wo n't respond to my lawyer calls. XXXX XXXX president of Trinity Financial prides himself on there website that Trinity Financial purchases assets or unsecured loan of pools of non-performing second mortgages with expectations of converting a high percentage to performing status. Trinity says it achieves this by BUILDING RELATIONSHIPS & WORKING CLOSELY W/HOMEOWhichWNERS through variety of workout options including modifications & settlements yet they 've done none of these w/me except have NO communication with me nor accept my calls to Trinity or their lawyer. Under the law ( XXXX ) requires party listed ( Trinity ) to validate the right & authority to foreclose before recording notice of default. I have reason to believe that Trinity has any legal right to collect loan payment & /or to initiate foreclosure/auction proceedings. Under Calif law, only " holder '' in possession of original endorsed note has legal right to auction home. Their in material violation.
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| 02/20/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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Trinity Financial, LLC contacted me via letter on XX/XX/XXXX regarding a second mortgage on my home. I was ask to contact them right away. I called the number on the letter, and spoke with XXXX. I stated that I was unaware of this loan, and did not have a second mortgage. XXXX offered to send me the proof. I received a deed of trust that originated on or around XX/XX/XXXX. The deed of trust was between the original lender in the amount of XXXX. However, it did not include a percentage rate, and the balloon note was not due payable until XX/XX/XXXX. I felt like a victim, since I had no knowledge of how bad the housing market really was during XX/XX/XXXX.
I called XXXX back and explained that the note was not even due payable. I ask him to escalate this matter to his management. I did not here back from him. I called severl times again in XX/XX/XXXX, I spoke with XXXX. I ask him to please forward me a servicing instrument that showed my payments, how they calculated my interest in order to support missed payments or any payments at all for that matter. He said he would, I never heard back. On or around XX/XX/XXXX, I received a letter from Trinity Financial Attorney stating that they were going to suit me and possibly foreclose on my home. I called, and the attorney stated no foreclosure proceedings had started, and what would I like to do. I ask him to please provide me with proof that I had defaulted on this debt, since the debt was included in a Bankruptcy in XX/XX/XXXX. Also, the amounts were incorrect. He said he would get back with me. I never heard from him. I made over 14 calls from XX/XX/XXXX - XX/XX/XXXX trying to get this matter resolved, with no legitimate responses. On or around XX/XX/XXXX, A lien to foreclose on my house was filed by Trinity Financial, LLC. by the time I received documentation, it was the first of the year. I immediately responded to the Public Trustee. I filed the right to cure paperwork in a timely fashion. Since that time, I have reached out to Trinity for a settlement offer of the full principal of the loan, over 10 times. I was turned down because they wanted me to fill out a loan modification package, and due to my XXXX, I was unable too. I however, did send a letter of hardship, my mortgage payment slip for the first mortgage, and a couple of other documents.
On XX/XX/XXXX, I received a second turn down to give me a settlement amount due to the fact I have a incomplete loan or borrows package. I contacted an attorney, who as a favor, reached out to their attorney to see if they could get a settlement amount based on the fact that 1. the loan amount is disputed, 2. the interest rate is not included in deed of trust ; 3 : they refuse to provide me a ledger of payments and how they calculated the interest ; 4.I am XXXX, and have experienced a serious hardship, that I will not recover from, and now I am being threatened by foreclosure to be put out of my only home, or file bankruptcy, this is a tragedy. It is sad to say, even their own attorney has not heard from them according to the last email.
Trinity Financial, LLC is a corrupt collection agency. I have researched through the CFPB all of the complaints, in addition, their are many lawsuits that are placed against this company for the very reasons I am filing a complaint today. Based on the following reasons, wrong amounts, fraud, misrepresentation of what is owed, increasing amounts from {$34000.00} - XXXX, then it went up to XXXX as the final payoff, this is ludicrous. This 2nd mortgage was also apart of a bankruptcy in XX/XX/XXXX that I filed, and it was thrown out by the judge ( I only discovered this through my resent research ). Trinity Financial, needs to do the right thing, they have violated my rights, and I am in need of justice.
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| 02/27/2019 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
Servicemember |
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Per OCGA XXXX it has been over 6 years from the date of the last payment and the statue of limitations has expired. Cease and Desist from all collection attempts and cancel the scheduled illegal foreclosure sale of XX/XX/2019 In accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
I respectfully request that you provide me with the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( Georgia ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : because I have disputed this debt in writing within 30 days of receipt of your notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense ; you can not add interest or fees except those allowed by the original contract or state law.
you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA ; Also be advised that I am keeping very accurate records of all correspondence to ensure my rights are protected.
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
Per FDCPA law I also request the name of the original creditor and copies of all assignments pertaining to my mortgage. Per FDCPA law the foreclosure proceedings must be suspended until a full response is made in writing and validation of debt and in addition the name of the original creditor in writing, THE FORECLOSURE MUST BE SET ASIDE UNTIL PROPER RESPONSE CAN BE MADE.
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| 08/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Trinity Financial Services, LLC a collection company formed in XX/XX/XXXX invests in distressed XXXX loan mortgages caused by the collapse of the housing bubble in XX/XX/XXXX. Because our home was over XXXX underwater XXXX XXXX XXXX through " Making Homes Affordable Program '' helped us keep our home by charging off our XXXX loan and restructuring our XXXX loan including escrow fees, taxes, and insurance which we have been paying down and remain current to this day. Nearly a decade later, Trinity has found a way to capitalize on the recovering housing market by picking up written off XXXX loan mortgages at pennies on the dollar and foreclosing on people 's homes unless the homeowner pays them outrageous and unreasonable profits. Although their websites states they achieve their success by " building relationships and working closely with homeowners through a variety of workout options including modifications and settlements '' this statement could not be further from the truth. Trinity 's MO is to bully the homeowner into paying the full unpaid balance plus ALL interest or suffer foreclosure. They lull you into thinking they 'll work with you by initially offering a modification or a reasonable settlement but it 's nothing more than a method of strengthening their position by gathering all of your personal information. It would have been ideal had they notified us in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but they chose to wait until XX/XX/XXXX, during the recent housing spike, to contact us in order to resolve this matter because it was in their best interest to do so. I blame XXXX XXXX XXXX for falsely leading us to believe we received a principal reduction and Trinity Financial Services, LLC for remaining dormant by intentionally failing to notify us over all these years for the purpose of maximizing their profits at the expense of the unsuspecting homeowner. Not to mention they have a HUGE problem with the chain of assignment as the assignment deed of transfer documents purporting lawful assignment and thus lawful standing to foreclose appear fraudulent and incorrectly dated rendering standing and the security instrument VOID under the law. With all the improprieties in the chain of assignment and it 's execution they still assert lawful standing yet fail to produce an original note. As a law abiding homeowner we are left with no choice but to defend our only family asset in legal court system. We have invested 11 years on paying this home down, investing our hard earned money on repairs and up keep, on improvements just to let our home go into the hands of these unethical debt collectors. Most homeowners do n't have the money to contest these wrongful foreclosures in court and Trinity knows that which is how they get away with their. They need to be STOPPED!
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| 03/29/2017 |
No |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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We had a 2nd mortgage discharge thru chapter XXXX bankruptcy in XX/XX/XXXX.
we were not aware that after our property gain equity they could come back traying to collect the debt. in XX/XX/XXXX we received a letter that look suspicious with a company name that we didnt recognized as the lien holder we open the mail and they send us a past due notice for the full amount of {$280000.00}.
After checking with the BK lawyer to see what we had to do we contacted Trinity Finacial services, llc. for the firt time trying to see how we can work this issue. they say they obtained the loan and wiil work with us refinancing the loan thru them they send us an application and we returned it to them XX/XX/XXXX. after that it was obvious that they were not trying to work with us it was either accept our terms or we will proceed to accelerate forclosure. we ask them if we could work a payoff amount and they said for XXXX they will settle. thru all this proces we keep asking them for copy of the note or documentation in how they obtained our loan and they never provide anything to us. they continue with the forclosure processed and we couldnt hire a lawyer due to lack of funds we pretty much continue making payments to our first mortgage and the foreclosure sale date from Trinity financial services was sent to as to be executed on XX/XX/XXXX. we do n't know how Trinity financial services, LLc. put their name on the trust deed of sale. we received a copy from the county of XXXX as a courtesy. Right after that we received an unlawful detainer from Trinity Financial Services, LLc. Lawyer, we went to court and the judge ask for as to request 30 days from Trinity Financial so we could leave the property and we did we obey the law and get out of the property by XX/XX/XXXX.
we continue checking with the first mortgage to find out if Trinity Financial send them the payoff and they never received any information from them. second week of XX/XX/XXXX I received information from an ex neighboard letting us know Trinity Financial Services, LLC. accepted an offer on the property and I decided to contact our XXXX to find out if they requested a payoff and they informed me that no the only request was the one I submitted, i told them I did n't request any payoff to please email the information to me and they did to our surprise Trinity Financial Services, LLC. was requesting the payoff with the authorization to release information that we give them 2 years ago for the only purpose of refinancing our loan. Is this shady or what after all we being going thru we tought for our peace of mind we have to submit this complaint to this office the sense of failure by loosing our house is bad enough and if all possible we would like to know if this is legal. And maybe if other people read the complaints that will help them.
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| 08/04/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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To whom it may concern I write to you this letter in hope to receive mercy with the situation we are in. I've been a XXXX XXXX owner since XXXX. We specialize in XXXX XXXX and XXXX of XXXX XXXX. We are a XXXX XXXX XXXX and we take responsibility and pride for the work we do and how we treat our clients and business partners.
In the year XXXX we made a wrong move by using our home equity funds to attempt to save the XXXX XXXX that was suffering from lack of finance, directly associated with the economic crash.
We were trying to stay afloat and borrowed for business expenses associated with investments that eventually were all lost due to the market crash and recession that followed.
Unfortunately my properties were lost to short sales and in regards to the equity line that was used for them, I was qualified for Obamas loan forgiveness and as a result my equity loan with XXXX XXXX Bank account # XXXX was charged off in XXXX of XXXX The times were extremely hard, everything we worked so hard for was gone. We were struggling to survive day by day, devastated to be left with very little workflow and lots of bills. At that time my sister-in-laws family with their three children moved in with us for nearly three years, we were supporting each other in the devastating times for our businesses.
I was under the impression that the second loan was dismissed along with short sales and other losses we suffered. I was advised by the firm that was helping us through the crisis, that the government had a rescue plan for the XXXX crash, and we qualified for the benefit.
For the next 13 years I believed in good faith that it was exactly that, I didnt see the loan any longer in my credit report, believing that in fact it was charged off.
Recently, I received communication from Trinity, Financial Services with an account # XXXX, After reaching out for advice to my financial consultant and Trinity associate, I came to a realization that the loan hasnt vanished, but instead, it has doubled in the amount and that now Im at risk to lose my home. Im investigating to see what happened and why the loan we were told got dismissed in reality is still pending. As I am searching for answers and trying to retain my home, Trinity is not accepting my offer to remove the lien of my property. Instead, they are asking for unmanageable amount as down payment and repayment of the loan that was charged of by government assistance in XXXX.
As of today, the mortgage payment I have is already above 50 % of our family income and in good faith I will not be able to pull another loan.
Im investigating the cause of failed loan forbearance, and unfortunately not getting anywhere. Please help me to figure out the best option to save my home.
Im considering filing for bankruptcy at this time.
Thank you.
|
| 03/29/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We took out a HELOC with a big box lender 10 years ago. Our property went under water and we lost household income so we filed Chapter XXXX which was discharged 8 years ago. We were told we were no longer responsible for the debt ... but that the lien would remain on the property. We found out in XXXX that the lien from XXXX did not record until XXXX we recently found out there was an issue in the assignment process as well ... .that the original big bank did not properly record the assignment transfer. In fact we got a call from the bank saying they were " correcting '' the error by recording another assignment to a company that was supposed to have been assigned originally. So not only did the deed record 5 years after signing but 3 years after BK discharge .... and with significant irregularities in recording. However, this is only part of our complaint. We have been attempting to settle with Trinity since XXXX ... .in the initial call their representative told us they will not negotiate ... .that they " would purchase my first mortgage then foreclose '' ... or they would simply " wait until the values go up then foreclose. '' In XXXX of this year Trinity filed an " notice of default '' against us. earlier this month we had offered a settlement amount which was declined via email and countered to {$70000.00} on XX/XX/XXXX. My wife and I have been scrambling around borrowing, liquidating XXXX and selling personal effects to come up with the XXXX ... ... I contacted XXXX via phone and had a conversation with XXXX yesterday. I explained we had done everything we could to come up with the money and that we wanted to know what we could expect in return for the settlement. XXXX said he would send me an email within 10 minutes of our call but what we got was an increase in the amount to {$77000.00} ... ... {$7500.00} almost to the dollar. So in summary, after accepting their email offer they used the verbiage in the email to say there was no actual offer ... just the " possibility '' of approval followed by another email with the higher amount. What is to stop them from doing the same thing again? We dont have XXXX but I feel like if we said we did they would simply raise the amount again. The ethics of this company and its representatives are suspect at best ... .and the individuals earning a living by foreclosing on families have dirt all over their hands ... at some point the CFPB and other government agencies need to get involved to stop the gorilla tactics taken. Sad thing is they paid pennies on the dollar to obtain this note. Ironically the amount of XXXX which we agreed to represents full repayment of the original amount borrowed plus {$10000.00} ... ...
|
| 12/29/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/XXXX received notification in the mail sent by our tenant named " XXXX '' for sake of confidentiality purposes. Notification for " Complaint in Mortgage Foreclosure '' from plaintiff Trinity Financial Services , LLC located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX.
-Case Number XXXX -Code and Classification XXXX Complaint was prepared by attorney XXXX XXXX XXXX XXXX . who represents plaintiff and works for XXXX XXXX XXXX, XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX ( attorney state ID XXXX ) The property in question is located at XXXX XXXX XXXX XXXX, Pennsylvania XXXX ( Parcel ID : XXXX ) Allegedly Owed : Principal = {$14000.00} Regular Interest - from XX/XX/XXXX through XX/XX/XXXX @ 4 % = {$3800.00} Late Charges = {$1200.00} Annual Fees = {$30.00} Total = {$19000.00} Per Diem Interest = {$1.00} The first problem is we have never signed, discussed, partnered, contacted Trinity Financial Services. We were never informed by Trinity Financial Services LLC. We were not contacted by said institution ( Trinity Financial Services ). In fact, the only institution who has reached out and contacted us was XXXX XXXX to date. The correspondence between XXXX XXXX XXXX and property owners has been mutual and resulted in property owners owing XXXX.
Second, my credit report indicates nothing is owed on said mortgage from XXXX XXXX XXXX. We have no business dealings, mortgages signed by us and Trinity Financial Services LLC.
Third, Trinity has not reached out or made reporting efforts to any of the following credit bureaus giving us indirect notice about our alleged debts owed on the property. WE CHECK OUR CREDIT REPORT REGULARLY AND NOTHING IS STATED REGARDING TRINITY FINANCIAL SERVICES LLC CLAIMS.
Moreover, they have not informed property owners until XX/XX/XXXX to secure the {$4900.00} indicated in a letter ( Exhibit C ) sent to the wrong address on XX/XX/XXXX ( Sent first class and certified mail ) Fourth, the date of notification being sent to the wrong address. We currently reside at XXXX XXXX XXXX XXXX North Carolina which is public record.
Fifth, the date of notification which reads XX/XX/XXXX, conveniently surpassing the 20 days to " take action '' against XXXX XXXX XXXX XXXX ( President of Trinity Financial Services , LLC ) Sixth, acts committed by XXXX XXXX XXXX XXXX ( President ) and Trinity Financial Services , LLC is fraudulent. Criminal violations include but are not limited to : identity theft, conspiracy to commit grand larceny and falsifying documents and statements on federal and financial documents as well as mail fraud.
|
| 01/06/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
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|
To whom this may concern. i received a letter from Trinity Financial Services to let me know that they had taken over my loan from XXXX XXXX XXXX XXXX XXXX effective XX/XX/XXXX. Trinity said that they would be sending me my billing statement a new account number along with current loan balance and next payment due. The date on this letter was XX/XX/XXXX. The letter stated that I owed {$49000.00}. The monthly interest rate is 0.06000 and the next due is XX/XX/XXXX. This is not true and I have never heard of Trinity Financial Services before. I tried to contact this company and it kept going into a voice mail that did not sound right. I was then contacted by an attorney named XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This letter came from XXXX XXXX 6 days after I received the letter from Trinity Financial stating that i must bring my loan current within 30 days from the date of this letter or they will start foreclosure. I was not sure if this was a scam. I went to the bank where my loan was taken over by XXXX because my original loan was with XXXX XXXX XXXX in XXXX and they closed so XXXX had the information. XXXX said the second mortgage was charged off and they had no records of what the amount, payments or interest rate was. XXXX did tell me that this is a non performing loan. I felt very threatened by this company and there attorney. I received a foreclosure notice with the courts that they filed against me. I am XXXX and can not afford an attorney so i answered the attorney and Trinity Financial and the courts within 28 days and I ask for the original paperwork from my loan.I sent this on XX/XX/XXXX and I have not heard back from them. I have looked them up on the internet and it looks like they have had multiple violations with different states. I am not sure if what they are trying to do is legal or if they have a license to take over my loan in ohio.They don't have the correct information on my loan.I feel like this is a total scam and I don't know what to do about it. The letter that I received from there attorney was very threatening.I don't want to lose my house. I am current on the first mortgage and taxes and insurance.I don't know how legal this is or how legal this company is but it looks like they are fined alot of money from trying to do business in different states illegally. Please take a look at my case and help me.
My name is XXXX XXXX XXXX. XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX, Oh XXXX XXXX
|
| 10/28/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
Virtually the exact same problem as the post from XXXX 2016 from a different person. " Trinity Financial Services, LLC a collection company formed in -/-/- invests in distressed - loan mortgages caused by the collapse of the housing bubble in -/-/-. Because our home was over - underwater - - - through " Making Homes Affordable Program '' helped us keep our home by charging off our - loan and restructuring our - loan including escrow fees, taxes, and insurance which we have been paying down and remain current to this day. Nearly a decade later, Trinity has found a way to capitalize on the recovering housing market by picking up written off - loan mortgages at XXXX on the dollar and foreclosing on people 's homes unless the homeowner pays them outrageous and unreasonable profits. Although their websites states they achieve their success by " building relationships and working closely with homeowners through a variety of workout options including modifications and settlements '' this statement could not be further from the truth. Trinity 's MO is to bully the homeowner into paying the full unpaid balance plus ALL interest or suffer foreclosure. They lull you into thinking they 'll work with you by initially offering a modification or a reasonable settlement but it 's resolve this matter because it was in their best interest to do so. I blame - - - for falsely leading us to believe we received a principal reduction and Trinity Financial Services, LLC for remaining dormant by intentionally failing to notify us over all these years for the purpose of maximizing their profits at the expense of the unsuspecting homeowner. Not to mention they have a HUGE problem with the chain of assignment as the assignment deed of transfer documents purporting lawful assignment and thus lawful standing to foreclose appear fraudulent and incorrectly dated rendering standing and the security instrument VOID under the law. With all the improprieties in the chain of assignment and it 's execution they still assert lawful standing yet fail to produce an original note. As a law abiding homeowner we are left with no choice but to defend our only family asset in legal court system. We have invested 11 years on paying this home down, investing our hard earned money on repairs and up keep, on improvements just to let our home go into the hands of these unethical debt collectors. Most homeowners do n't have the money to contest these wrongful foreclosures in court and Trinity knows that which is how they get away with their. They need to be STOPPED! ''
|
| 06/28/2017 |
No |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I am an XXXX military personnel and I bought this house sometime in XXXX at XXXX XXXX XXXX XXXX XXXX CA. But unfortunately, after closing our escrow about ( one week after ), I received an assignment to go to XXXX immediately with my family. We left and we did n't even have a chance to live on the property. I was in XXXX for 5 years and then got another assignment to go to XXXX which I stayed for another 5 years. When we came back, I thought that the house went on foreclosure as we abandoned the house for 10 years and did n't pay anymore. The only time I found out that it was still in my name is when I was trying to cosign with my brother in buying a house, this property pop out that it is still in our names. I immediately called XXXX XXXX and told us that they ca n't foreclose the property as I am an XXXX military personnel. So they suggested to do a short sale in which they approved it right away in less than a month. Now, there was a 2nd with Trinity Financial, in which my agent was trying to talk to them and negotiate. The original balance is only {$74000.00} but because of the interest for 10 years it became {$130000.00} plus. So, XXXX XXXX offered them first for {$3000.00} but they did n't want to accept it and told my realtor that SHORT SALE Is not an option. We tried to communicate with them as to how much they are willing to accept as we already have a buyer that was approved for the loan already and ready to close, but they are insisting on getting the full amount of {$130000.00}. and didnt even want to come up with any amount except the full amount and told my agent that SHORT SALE IS not an option. My 1st Lienholder is not going to pay them the full amount as their taking a big loss of {$400000.00} based on the attached demand letter and the property value is {$290000.00} only. We tried to speak to them to tell us what amount are they willing to accept besides the full amount but did n't want to give us any respond except they send my realtor a denial letter saying SHORT SALE IS NOT AN OPTION. I did n't want and neither XXXX XXXX to foreclose this property considering that I have served and continously servicing our country for 21 years but Trinity Financial did n't want to cooperate to close this and be removed in my name. What can I do? I beg them and told them that it is not fair how they treated a Veteran trying to avoid foreclosure, when the 1st lienholder who is taking a big loss allowed and approved the short sale right away.
|
| 08/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I wrote the following email to the 3rd party collector. I have a SHORT SALE CONTRACT on the property. I had no idea that the 2nd mortgage was sold. IO was NEVER NOTIFIED.
In response your email I received this afternoon sir and Friday what you're saying really doesn't make any sense.
Since the short sale, is being held up by the second lien holder which you say is you. How can you say that the QWR has nothing to do with the short sale? When the QWR, has everything to do with the short sale.
I need the validation that you are actually the second lien holder, how can authorize Trinity Financial Services LLC to get a payment from my first lien holder on a short sale if I have no validation that you actually own my debt.
Because of everything previously stated this is holding up the short sale.
I have no correspondence, no notices, no phone calls, nothing on this second lien in over 10 years. I was never notified or contacted in any way by any means on the selling and buying of this note.
Now suddenly, after all this time, you come out of the shadows put an offer on the table with no validation of who you are.
I have decided I need to short sell this property. Trinity is well aware of everything that is going on with this property through recent communications with me via email and phone calls, and my negotiating agents.. My realtor and negotiators have forwarded the first lien holders offer to you. You have rejected that offer without showing any validation of who you are.
You have rejected the first lien holders offer and you want a extra {$11000.00} on the HUD and yet do you want me basically to take your word that you bought my note?
It seems to me that if you want to put this offer, on the table in front of me, asking for the additional money which equals {$11000.00}, then you need to put forth the validation before we can settle the short sale. Again, this is why the QWR is directly connected to the short sale. No one knows who you are.
You are mistaken ; this is directly affecting the short sale. I feel like I am being redundant. I feel this is ludicrous. All we need is validation ; you are actually going to put a time frame on an offer, from a company that has not proved who they are. Can you now see how this directly affects the short sale and is connected?
Sincerely, XXXX XXXX
|
| 04/15/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
I bought my property in XXXX, my first mortgage was to XXXX and my second to ( XXXX ). The second mortgage disappeared and did not contact me for several years. In XXXX Trinity Financial, LLC, appeared on my loan and proceeded to collect payments. Trinity was charging about 12 % rate and they increased the principal balance from {$120000.00} to {$230000.00}. I started looking for assistance at XXXX XXXX XXXX XXXX ( Nonprofit HUD approved ) ( They modified my first mortgage successfully ). I started a loan modification with Trinity, and I was applying with HAMP. I summited all required documentations and Trinity reviewed the paperwork. Trinity declined the loan modification, while in the process of a loan modification they sold my property. I appealed the decision and they never responded to my request. During this time, I continued to make payments on my first loan. Trinity continued the foreclosing my property with notice. I contacted XXXX XXXX in XXXX, CA to file chapter XXXX. She dismissed my case without my knowledge. I am assuming that some arrangements were made with Trinity. I also, hired a second attorney XXXX XXXX in XXXX XXXX, CA. He filed another Bankruptcy XXXX, Mr. XXXX advised me that my property was protected due to the Bankruptcy. I have been trying to contact my attorney Mr. XXXX for months and he has disappeared. In the process of the BK Trinity sold my property to them self. I kept making payments to my first mortgage without the knowledge that my property was already foreclose. I was never notified by Trinity nor XXXX that my home was foreclose. I learned recently that Trinity has given my property for XXXX value. The company that Trinity gave my property is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX. I WAS NOT ABLE TO FIND BUSINESS LICENSE ON THE ABOVE COMPANY. I am assuming that Trinity creates fraudulent companies. Trinity started to post Notice of Quit on XX/XX/XXXX and another notice on XX/XX/XXXX. My goal is to keep my property. I bought this home from my parents and have spent all my life living. My children have been raised here and it means everything to us. I am willing to negotiate a fair payment with the purpose of keeping my property.
|
| 03/24/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
Purchased a home in XX/XX/XXXX. First and second loan was with XXXX XXXX.
In XX/XX/XXXX we modified our 1st loan with XXXX. We asked about the 2nd loan/HELOC with XXXX and the XXXX representative said our 2nd was written off.
XX/XX/XXXXFiled Ch XXXX bankruptcy XX/XX/XXXX - Trinity Financial Services claims they own the 2nd mortgage/HELOC. Hounding to pay $ XXXX+ to bring current or pay off $ XXXX+ XX/XX/XXXX XXXX XXXX from XXXX XXXX confirmed our 2nd Mortgage/HELOC Chase loan # XXXX was " written off '' on XX/XX/XXXX.
Through my own research of calling the companies involved, I found that on XX/XX/XXXX XXXX XXXX XXXX transferred 2nd deed to XXXX XXXX and XXXX XXXX XXXX ( now XXXX XXXX XXXX XXXXXXXX ext XXXX ), although the Trust hadn't been created until XX/XX/XXXX.
XX/XX/XXXX XXXX XXXX/XXXX XXXX transferred to Trinity Financial oXXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. - XXXX It literally took 4 hours on the phone with XXXX for them to find it was sold to XXXX XXXX, which is now XXXX XXXX XXXX XXXX XXXX said they bought it from XXXX XXXX on XX/XX/XXXX, then sold it to Trinity XX/XX/XXXX.
I don't understand how XXXX XXXX received the deed to begin with. The recorded papers filed with XXXX XXXX County do not match up either. Only filings are the initial purchase recorded XX/XX/XXXX between XXXX and myself and then nothing until two recordings onXX/XX/XXXX. The first, DOC # XXXX looks as if the companies stamped in their information and it still doesn't make sense. The " Note dated : '' is incorrect. The date of the Trust is XX/XX/XXXX, yet the letter was signed and notarized on XX/XX/XXXX The second one is between XXXX XXXX and Trinity Financial Services and this letter was dated XX/XX/XXXX.
Even if Trinity turns out to have a legitimate claim to this heloc, they have only offered us two options to avoid foreclosure, come up with {$94000.00} to reinstate the original loan or pay off the total for {$260000.00}. Given we thought the loan was forgiven almost 10 years ago by XXXX ( XXXX Representative and a XX/XX/XXXX loan statement balance of XXXX ) and lack of transparency, we find this unreasonable and unfair.
|
| 02/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
on XX/XX/XXXX, Trinity Financial Svcs LLC, a foreign company registered in XX/XX/XXXX, is acting as the Trustee for XXXX XXXX XXXX XXXX, a company that was taken over by XXXX. This was part of the XXXX XXXX XXXX award in XXXX. The DOJ XXXX XXXX and other banks. There was a 2nd mortgage that should have been extinguished through the modification process award from the judgment and settlement.
XXXX XXXX XXXX did not complete the process. They needed to release the lien through the modification that was approved on the first trust deed. The first and the second trust deed were from the same investor. It was a package deal to purchase the property.
When the XXXX XXXX XXXX was award, the loss mitigation department from XXXX needed to correct and fix the mortgages if the consumer qualified. After applying, XXXX approved the modification as the property was approved to be included as part of the compensation awarded. When I got notified that everything was completed and I didn't need to worry on the 2nd because it was included in the Chapter 7 bankruptcy and it was settled, it didn't occurred to me to follow up on everything to make sure there was no mistakes on the modification. My Trust was in XXXX to get the job done. There was a special circumstances under the XXXX XXXX XXXX from XXXX to extinguish these 2nd mortgages. If the consumer filed a chapter 7 or chapter 13 Bankruptcy the lien was to be extinguished. It was a special program to assist the homeowner and fix the mortgages. When my modification was done, they said I didn't need to worry about anything and my mortgage was correct and fixed. Well it was not because it open the opportunity for a company like Trinity Financial to try and collect money they are not entitle too. They are trying to foreclosure on my property that was declared as a qualifying property under the XXXX XXXX XXXX. They are collecting on a debt that they are not entitle to do so. The Assignment of deeds might be a fraud document that was generated under false circumstances.
|
| 11/03/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
in XXXX I purchased a property, with 1st TD and 2nd TD. I was deceived, and my payments went to high. and I could not afford making payments on 2nd TD, I looked assistance to get a Loan Modification with 2nd TD, and 1st TD as well.
lender of the 1st TD, they provided a Loan Modification, I am current with them now.for several years.
on the 2nd TD, this loan has been sold several times, almost every company who had it, did not pay attention to my request for a Loan Modification.
Because i did not have any resolution on my request for loan modification, I have not made any payments on it.
The current company who owns the account is Trinity Financial Services LLC, on or about XXXX XXXX, XXXX, they started to collect for this account, i spoke to them, and nobody paid attention, then I went to a XXXX XXXX HUD approved, who previously helped me to get a Loan Modification on the 1st TD, and on approximately XXXX XXXX, they helped me to submit a Loan Modification Package to Trinity Financial.
They received the package and eventually they requested more income documents and more explanations, which I submitted. It has been taking very long time, and no decision, they took the file to Upper management to get an approval, they review the file, and requested more documents, which I submitted, they did not respond, i had to call every week to see if any decision.
There are many other actions/activities that looks out of order, and would like to show you, that this company is not complying with Federal Lending Regulations.
In future correspondence i can provide more information on this matter. But just as an example they denied me and Appeal to their Decision. I was told that after a Denial, I had the Right to Appeal to the their decision.
I need CFPB, help, I do not want to loose my property. please help me.
Thank you very much for now will identify myself as Single Mom who does not want to loose her Property. Thank you
|
| 06/21/2017 |
No |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
Trinity Financial Services is a company built on purchasing old debt and then threatening or proceeding with foreclosure as soon as the value of you home justifies them doing so. We attempted on several occassions to negotiate a settlement with them but their response was to file a notice of default against us and pursue a foreclosure. Even though the foreclosure would net the company less money than we were offering. Their website suggest work out programs but also touts how investors can receive amazing returns on their investments. The tactics and lack of ethics used in our case are well documented and repeated in several cases based on the number of complaints I saw on the CFPB site however they are currently in violation of Reg Z and the servicing laws designed to protect consumers. Since the notice of default was filed we provided the default amount and reinstated a HELOC that was taken out in XX/XX/XXXX ... ... yes they waited 9 years to file an NOD against us. in fact Trinity Financial did not even have the recorded assignment of the deed of trust when the NOD was filed ... which is a violation in an of itself. That said we reinstated the loan in XX/XX/XXXX and have since made two full payments on the remaining balance. to this date as of XX/XX/XXXX we have received absolutely ZERO communications from them regarding our loan balance, loan number, payment received and applied/or not applied ... ..NOTHING!!! I have sent at least 4 emails and made multiple calls with no response or direction. The fact is there is only one department ... ..loss mitigation. When you ask about loan servicing you get the same folks in loss mitigation. This organization is not equipped to service loans and at this time we believe they are violating the law with regards to providing the necessary statements and documentation of the payments received along with what the balance owed is.
|
| 06/19/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
At the end of XXXX my husband and I paid off our mortgage which was held by XXXX XXXX XXXX. This total we paid was part of an earlier government modification. Mortgage was considered paid in full. In XXXX of XXXX we received a notice of foreclosure from Trinity Financial Services , LLC, a company I have never heard of. They did not have any information to give me such as an account number, dates of any transactions ( withdrawals or payments ). We had to retain a lawyer to the amount of several thousands of dollars to stop this foreclosure. Our attorney has requested documents to support this loan on several occasions with no resolution. On 2 occasions Trinity has sent me paper work asking for account numbers and social security numbers from me, which I will not provide. In XX/XX/XXXX I filed bankruptcy due to a predatory con man and all debts were discharged in XX/XX/XXXX. No where in previous paperwork does Trinity show up as a person I owe monies. Every time my lawyer has to contact this company we have high bills to pay. They have had 16 months to provide proof of loan and have not been able to. They should have to remove this debt from the system and be forced to remove the lien they have attached to our home. We feel this is a predatory loan company which has no validity in the claim against us. The name on the loan they are showing is XXXX XXXX XXXX. They have received several letters from our attorney XXXX XXXX.
|
| 02/23/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Recently received a letter from my mortgage company XXXX, saying that Trinity Financial Services LLC is attempting to authorize themselves on our mortgage account. I didnt know what this company was and started looking into it. I found that they filed a foreclosure against us as too. I never heard of this company before and never applied or gotten any loans from them. I havent received any communications before them filling the case either or even the service of lawsuit. I filed a police report and sent Trinity Financial cease and desist letter from attempting to access my information that they are not entitled to. Today I received another letter from XXXX that another request for third party authorization was sent to them by Trinity Financial Services again. It seems that this company has my private information and is using it for fraudulent purpose. It seems that they are ignoring all the rules and continuing to attempt to get the information. In summer of 2019 I had some charges assessed on my XXXX mortgage account. When I called them to ask about it, they told me that it was the charge for the payoff. I have never ordered the payoff. I have requested a copy of it. The form that XXXX sent me had a phone number listed under the requestor. When I searched that number, it came back as the number registered to Trinity Financial Services. This company seems to employ illegal methods to steal my house. Please help.
|
| 01/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I purchased a home in XXXX, I had an 80/20 loan but only had one mortgage servicer and made only one payment to them - not two separate payments. In XXXX I had my loan modified, the modification states that I have a new loan with one payment and everything would be brought current, and I had a payment schedule.
I have kept to that schedule and haven't missed payments, however, I recently found out that they didn't not include the 2nd mortgage in the modification - even though they told me they did, and my modification agreement states the loan will be current.
I have never received a bill, or statement or even knew I had a 2nd mortgage since XXXX.
But I recently received a notice of default from Trinity Financial from the XXXX agreement. They have never contacted me or asked for payment. My home has recently came up in value and so they are looking to foreclose, but I'm on time with my first mortgage and had no idea there was still a second.
The company is Trinity Financial Services , LLC.
The loan modification agreements states that $ XXXX would be added onto my loan, and that amount - as told to me - was to pay off the 2nd and my late payments in total.
But when they modified my home loan, they only modificed my first home loan - which was never explained to me. And now the lender with the 2nd lien is coming to foreclose.
|
| 10/23/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am having a very difficult time with Trinity Financial. It appears I am a victim of mortgage fraud and a predatory lender that has placed a foreclosure sale date on my property and forcing us to do a short sale.
In XXXX I had a 1st and 2nd with XXXX XXXX. In XXXX I refinanced with XXXX XXXX and received and 1st and a 2nd. Obviously when you refinance the lenders payoff the previous loans. And from the paper work I signed, that is what happened. I received a 80/20 refinance and no lender would ever subordinate to a line of credit for {$49000.00}. My refinance would have been declined if that lien was not paid or on title.
Due to fraud my 2nd lien from XXXX stayed on my title. Apparently not recorded correctly or by illegal fraud. This lien was sold in XXXX to XXXX XXXX and then to XXXX XXXX XXXX who has placed a foreclosure sale date on my property through Trinity. I looked at doing a loan modification but was denied by Trinity Financial.
Because of all this horrific fraud I now have to do a short sale to avoid a foreclosure. I am requesting that Trinity Financial place my fraud foreclosure on hold so I can complete the short sale process and avoid a foreclose.
|
| 05/15/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Approximate 7 years ago, I did a XXXX XXXX XXXXs deal instead of going into foreclosure. My concern was that both the first and second mortgage would be paid for and I would be free an clear of the property. I was reassured by the real estate and mortgage company that both mortgages would be paid and I could walk away from the home.
Now, I have found that I have an outstanding judgement from the second mortgage company, and they are now garnishing my wages. The only reason I found this out was due to me getting an W2 job ( I have always worked as XXXX ). I found the case online, the process server didnt serve me but a ficticious roommate, I never had a roommate and I dont know the person named that received my summons to court. I have never received paperwork from either the law firm or the second mortgage company requesting payment.
I do know that the home was sold to another family, and no Foreclosure legal process ever happened, nor did a judge remove the second mortgage from title.
This {$30000.00} second mortgage is now $ XXXXthat I must pay off for them to release the judgment.
|
| 06/06/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have been working on a short sale for almost 2 years. The first lien holder is XXXX XXXX and they have given several approvals but Trinity is the 2nd li en holder and they would never cooperate. They wanted it to go to foreclosure. After several attempts to get them to work with us, I tried to reach management and they would never reply to any of my messages or requests. I received a letter fro m Trinity ( attached ) d ated XXXX XXXX 2017 stating that my loan was being transferred to XXXX on XXXX XXXX , 2017 . As of Today XXXX XXXX 2017 , XXXX still has no documents transferred and I have made several attempts to get trinity to look into this. I now have a foreclosure date with the first lien holder and an approval letter stating I can close at the end of XXXX if I can get 2nd lien holders approval on the short sale. I can not work on the short sale as it still has not been transferred to XXXX . I am afraid that Trinity is going to blow my chance of getting my short sale through.
|
| 06/10/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Trinity Financial, LLC. held a trustee sale on XX/XX/XXXX, on a property by picking up a dormant second that was believed to be remedied in a Making Home Affordable modification and principal reduction that was completed in XXXX. This second was held by another lender, XXXX and then XXXX and there had been no activity on the lone since XXXX. XXXX XXXX is the property owner 's current lender. The owner was under COVID 19 Forebarance with XXXX XXXX and remained in good standing. The auction was held on XX/XX/XXXX and there was a winning bid. The owner seeks to settle arrears as allowed through the Redemption Period with Trininity Financial, LLC. however, Trinity Financial, LLC. has not been responsive to calls. Has not returned correspondences and requests by the trustee company who conducted sale to connect with the owner.
We are requesting contact information and follow up to discuss solutions with : Trinity Financial, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX NMLS ID # XXXX Georgia License # XXXX
|
| 10/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Trinity Financial Services , LLC located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX and their number is XXXX : ( XXXX ) XXXX. They hold a XXXX mortgage on the property. There is a senior lien on the property from XXXX XXXX XXXX, XXXX and they have approved short sale on the property which expires on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX i was advised by Trinity Financial Services , LLC that the investor on the mortgage have approved a short sale offer for {$8200.00} to close the short sale.Alos, advised please provide acceptance or decline by XXXX/XXXX/XXXX at XXXX, which the oofer acceptence email was sent tot hem the same day on XXXX/XXXX/XXXX. Since, then every time they are being called for update they are providing the same response for the past 15 days that the approval letter needs to be signed by their upper management and its not signed. Every time, when a call back is being requested from the supervisor the call is not being returned and they hang up the phone.
|
| 09/14/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Paying off the loan
|
|
Web |
Older American, Servicemember |
|
This loan was originated as a line of credit from XXXX XXXX XXXX of {$49000.00} which a total of {$9800.00} was drawn for use. The XXXX XXXX XXXX closed our line of credit in XXXX and transferred our loan to XXXX. We paid on this loan until XXXX of XXXX. Our mortgage was with XXXX XXXX XXXX and was modified with over {$50000.00} in loans written off and forgiven. This was a mix of all mortgage debts XXXX XXXX, XXXX, XXXX XXXX We noticed that our home has a deed of trust when trying to inquire about selling our property.
This deed of trust was a company named XXXXrinity Financial Services which bought, transferred, or received mortgage notes. Trinity sent letters demanding payments and offering debt mitigation. After some time Trinity has now threatened foreclosure or lump sum payments of debt. How can this happen? We are in our seventies and live off social security and a small annuity. Is there any help available?
|
| 10/08/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
I sent Trinity Financial Services an offer letter dated XX/XX/XXXX, to try to settle and resolve an amount that has n't had payment since XX/XX/XXXX. Since then, I have had zero response on the offer. I have called in multiple times with no response. This is the second time I have had to file a complaint due to the negligence and unfair practice by this company. I have been told management will contact me and still to this day have had no resolution or response. I am given the run around and told I will be given a call over and over and they still have not communicated with me. I asked for a response within 15 days and it has been over 30. This company has kept me and the status of the HELOC in the dark with where they stand and are causing me financial harm. I believe their intentions are malicious and the have little to no interest in trying to come to a resolution with me.
|
| 02/25/2023 |
No |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
In XXXX I closed on a 2nd mortgage for the down payment on the 1st mortgage with the same lender. I made on time monthly payments through XXXX. During that time the mortgage lender changed 3 times, from XXXX XXXXXXXX XXXX XXXX XXXX, to XXXX XXXX XXXX, to XXXX and Trinity Financial Services LLC, the last lender is attempting to foreclose on the XXXX mortgage stating that I owe almost double the amount of the original loan. I believe the statute of limitations has expired on this debt and that this loan was written off as a result of the housing market crash in XXXX. TFS appears to be a less than actual mortgage lender. There's only virtual mailbox addresses form them. I believe that TFS somehow attained my information and is illegally attempting foreclosure on my house similar to property theft.
|
| 11/18/2020 |
No |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
My present mortgage home loan company is XXXX XXXX, ( XXXX XXXX ) In XX/XX/XXXX I was going through a financial hardship and my house was in foreclosure, and XXXX XXXX was informed and there was a court case filed in XX/XX/XXXX XXXX -- --, I was getting help from NACA Id XXXX -- to save my house, Everything was Buddle into one and a afordable modification by XXXX XXXX XXXX was made in XX/XX/XXXX, and was paid up to XX/XX/XXXX and is on forbearance with XXXX XXXX, due too me loseing my job due to covid 19, When Trinity financial services contacted me for the sum of {$10000.00} they were informed by me that everything was taken care in XX/XX/XXXX.
I get a Summons from superior court of XXXX, and got 35 days
|
| 04/02/2023 |
No |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Trinity Financial Services explains this loan was transferred by XXXX XXXX XXXX, I did not receive any Notices from any company in XXXX. On XX/XX/XXXX there was an assignment recorded on my Property during Covid19 Pandemic. Prior to the dates specified, I have not been contacted from any lenders from XXXX - XXXX. If this debt started with a different Creditor, please provide copy of the original creditor, the account number used by that creditor and the amount owed to the creditor at the time it was transferred. When identified please provide any other names by which I might know them, if that is different from the official name.
|
| 11/11/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2020 a process server served Trinita ( " Debt Collector '' ) CONSUMER NOTICE OF DISPUTED DEBT 15 U.S.C. 1692g et seq. FDCPA ; Alleged Plaintiff are debt collectors as that term is defined by 15 USC1692a ( 6 ) and Cal. Civ. Code 1788.17. Defendant is a consumer as that term is defined by 15 USC1692a ( 3 ) and C al. Civ. Code 1798.140.
The debt collector has not stopped from collecting the debt after being served the debt dispute letter pursuant to 15 U.S.C. 1692g et seq. FDCPA. The debt collector continues to damage me ( XXXX XXXX ) by threatening foreclosure sale.
|
| 03/13/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
On or about XX/XX/2019, my mortgage bank posted notice of trustee sale on my door. I have done everything up until this time, that was asked of me by the bank in a timely manner. I have in good faith worked with my bank to prevent losing my home and ensure prompt payments. However, the bank appears to not have worked with me in good faith and has dismissed and denied my request and my circumstances. I have informed my bank that I am a XXXX. The bank has ignored my communications and has not been transparent with the entirety of the process.
|
| 01/18/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
back in XXXX I had some difficulties to pay my mortgage, first and second loan I could work with XXXX XXXX services who had my two loans, they helped me with the first loan but the second loan they did nothing with, after they went to bankruptcy the second loan disappear no one could give me any information, two years later a company appear trying to collect XXXX XXXX dollars, but I did not had any money to work with them, now eight year later appear trinity financial, now they have my house for sale on XXXX/XXXX/XXXX
|
| 08/11/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
I sent Trinity Financial Services an offer letter datedXX/XX/XXXX to try to settle and resolve an amount that has n't had payment since XX/XX/XXXX. Since then, I have had zero response on acceptance to the offer or counter offer. I have called in almost every other day with no response, been told management will contact me and still to this day have had no resolution or response. I am given the run around and told I will be given a call over and over and they still have not communicated with me.
|
| 09/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Trinity Financial Services have not made contact with me until XX/XX/XXXX this year.
The original second was 14 years ago ( XXXX ). I have not received a mortgage statement. My original debt was with a completely different company I show a loan of {$120000.00}. I do not have documentation of Trinity securing my loan. They are currently stating I owe double the amount including a 11.5 % interest rate. I've had no correspondence or knowledge of this company until a couple months ago.
|
| 11/11/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I had a 2nd mortgage that was forgiven in XXXX. Somehow Trinity got copies of my mortgage instrument which does not show any assignment to them. They first sent me a letter for approximately {$2000.00}. Then for each letter they sent me, they charged {$500.00} per letter. They finally attached to the title of my house. They just did this in XXXX. I had never heard from this company and they attached to my house for {$18000.00}.
|
| 04/10/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Client is trying to sell home that is in foreclosure but the equity loan was sold from XXXX to Trinity Financial they sold it to some third party but there is no assignment, power of attorney or servicing agreement so client can not sell because the title company can not locate mortgage person or paper work between Trinity and the party they allegedly sold it to.
|
| 11/25/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I had XXXX mortgage companies with loan XXXX. the 1st mortgage agreed with modification, but the second mortgage unable to contact with me, and unable to negotiate. I tried several times, but unable to reach then. Please I need help because, I 'm working alone, my husband is XXXX, and i want to keep my home. thanks.
|
| 03/30/2017 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My name is XXXX and my property was foreclosed on XX/XX/2017 by Trinity Financial Services LLC, i was working with them on a modification and after over 12 months of attempts my home was finally foreclosure on, I believe that my home owner bill of rights were violated, i served this country and now i am homeless.
|
| 10/05/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My client received a good by letter from a Trinity Financial Service. His loan is originally with XXXX. When we contacted XXXX they confirmed the loan had not been sold the loan and the letter received seems to be a scam. Please see attached the good by letter from Trinity financial Service.
|
| 12/29/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Trinity Financial Services LN XXXX XXXX XXXX CA XXXX We have been calling Trinity for the last several days. It goes right to voicemail and no one will pick up the phone, nor will they return our phone calls.
Have they closed down? Have they been seized by the Feds?
|
| 06/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Trinity Financial Services , LLC violated Regulation X by ( 1 ) failing to maintain a complete servicing file, ( 2 ) failing to obtain a complete servicing file from the prior servicer, and ( 3 ) failing to provide a complete response to a request for information.
|
| 06/05/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 05/31/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 05/25/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Phone |
|
|
|
| 09/13/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/12/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 11/08/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Servicemember |
|
|
| 10/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 05/05/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 11/03/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/10/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/03/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 02/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 09/04/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 03/07/2019 |
No |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 02/09/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 02/08/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/06/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Postal mail |
|
|
|
| 08/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/26/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/11/2018 |
No |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/12/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/23/2018 |
No |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Fax |
|
|
|
| 10/27/2017 |
No |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
|
| 09/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/16/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/07/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 04/13/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/21/2017 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 10/18/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/27/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/29/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/20/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 07/01/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 04/22/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 04/13/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/08/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/09/2015 |
Yes |
|
|
|
Referral |
|
|
|
| 12/08/2015 |
Yes |
|
|
|
Postal mail |
|
|
|
| 11/17/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 10/29/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/15/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/19/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/29/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/20/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/04/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 10/07/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/10/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/05/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 07/16/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 05/16/2014 |
Yes |
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
|