12/12/2016 |
No |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
Older American |
When my 1yr/30yr amort loan came up for renewal in XX/XX/XXXX, instead of being renewed as it has since XXXX.a new loan was offered-a 10 year, fixed rate loan, that raised my monthly payments by about $ XXXX informed the loan officer at this time that I would not be able to afford this new payment.He advised me to sign the loan to avoid default, but assured me we would come up with a modification shortly after.After submitting and resubmitting various documents ( a 30 day period ran out before my tax returns were completed ), I was denied a conventional refinancing loan.Next, I was asked to submit a hardship letter, stating why I had been out of work and fallen behind on my payments.I complied with this request.Then I was asked for my college students ' payment schedules for XXXX and XXXX.I also complied with this request and supplied all requested documents and information.With various delays in getting health privacy waivers, having to resubmit information when 30 day deadlines passed, and waiting for financial information from the colleges ' ( again, privacy laws ), All information was finally submitted to the bank.
My next correspondence was a registered letter demanding all back payments to bring the loan current. I responded that I was cooperating with all his requests, based on his promise to offer a modified loan, along the lines of previous loans, with a similar monthly payment.We spoke by phone, and exchanged emails, but no alternative or modification was ever offered.Only a demand for payment to bring the loan current.I told him I could not afford this solution, and reminded him of his advice to sign the note, with the promise of a modification forthcoming.In the following weeks and months, no modification was ever offered, and my financial situation remained the same.Eventually, this led to a notice of foreclosure being delivered on XX/XX/XXXX.I am hoping he will uphold his promise of a modification, since I was honest and upfront with him about not being able to meet the new monthly payments.So far, his position has not changed, he is demanding the amount past due to bring the loan current ( approximately {$46000.00} ), which I do not have. Even if I did, it would be a month or two before I fell behind again, as I can not afford the monthly payments on the new note, as I told him at the time.
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05/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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I am trying to get a home loan with Private Bank and working with XXXX XXXX since the XXXX to lock in my loan. She has been very unproffesional and my loan amount and closing cost have changed over XXXX times. I orginially was receiving a state sponsored grant and was waiting the extra 30 days to process this grant. However, XXXX was n't aware of the techniqualities of the grant so a week before closing she told me I was n't able to receive the grant and had to rework my loan. Fast forward to closing, 20 minutes before closing XXXX sends me an email stating that I have too many credits and I need to bring an extra amount to the closing. I called, emailed and received no response. You would think XXXX knew this once the HUD statement was released or by her using her 20+ years as a mortgage lender ( she tauted this many times ) she would have known the laws and understand before 20 minutes of the closing that my loan was incorrect. My realtor called her to try to settle it and they exchanged unpleasant words. I received an email from XXXX an hour later stating that because she got into with my realtor she is quitting my loan. At this point I have no idea when I am closing, my things are packed and I am being kicked out of my apartment. The Private Bank has n't returned my emails and I am in the dark. I do n't know what to do, so I am sending this message in hopes that someone can help me.
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08/22/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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|
Web |
Older American |
A request for information under 12 CFR SECTION 1024.36 was made to The PrivateBank and Trust.This QWR is part of Regulation X of the Mortgaging Service Act under RESPA.The following information was requested in regards to the property in question : 1.Copies of every mortgage and Promissory Note since XXXX. 2.Copies of every Change in TERMS AGREEMENT since XXXX. Respondents reply was incomplete and inaccurate. This letter and other relevant information will be attached to this complaint.
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05/26/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
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Private Bank of XXXX refused to share the appraisal of our home during the negotiation of the sale, resulting in the buyer 's frustration and walking away from the offer. We are now being threatened with having to pay the balance of the loan or renegotiate the terms of the loan as it will shortly become due.
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09/14/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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09/11/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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|
Web |
|
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10/14/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Application, originator, mortgage broker
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|
Web |
|
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02/04/2015 |
Yes |
|
- Loan modification,collection,foreclosure
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|
Referral |
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09/30/2014 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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|
Web |
|
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09/22/2014 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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|
Referral |
|
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09/22/2014 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Referral |
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08/28/2014 |
No |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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|
Referral |
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09/26/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
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04/22/2013 |
Yes |
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- Application, originator, mortgage broker
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|
Postal mail |
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