| 12/03/2023 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
- Foreclosure
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Web |
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My wife and I are the victims of a fraudulent and predatory mortgage loan.
In early XXXX our friends in XXXX, CO found a house in the area for sale that they thought we would like. We were already in love with the area and had discussed moving at some point in the future. It was at a good price point, and we decided to see what it would take to purchase it. We were currently living in XXXX CO in a house we purchased in XXXX We knew we would need to sell our house in XXXX to purchase the house in XXXX. My mother-in-law was working with a realtor from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we decided to work with him. We explained that we wanted to sell our house in XXXX to buy the house in XXXX and move to XXXX as a primary residence. He informed us that the current owners of the XXXX house would not do a contingency sale but that he had a lender that would be able to get us into the XXXX house prior to us selling the XXXX house. This is when we were introduced, via phone, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX informed us that they could do what he called, a sniper loan to get us into the XXXX house. He stated that this would be a high interest loan but that we could refinance it once we sold the XXXX house to have a lower rate with lower payments. After about roughly a week of working with XXXX he sent us over to XXXX XXXX, another member of the XXXX XXXX, whom XXXX stated did these loans all the time and would be the best person for us to work with. Everything seemed to be going great. Our offer for the XXXX house was accepted and we began getting our Aurora house ready to sell. Just prior to closing on the XXXX house, XXXX XXXX advised us to request XXXX from XXXX XXXX XXXX to put in new flooring and paint in the XXXX house so it would sell for moreXXXX XXXX agreed that it would be a good idea to add these things to the XXXX house to increase the value and stated that we would receive the XXXX upon closing on the XXXX house; it would be tacked onto the loan. We closed on the XXXX house on XXXX XXXX XXXX and began moving our belongings from XXXX XXXX XXXX. My wife works XXXX full time, so we decided to have her stay in XXXX with the dogs and cats while I stayed in XXXX to get to house ready to sell asap. My parents also stayed with me in XXXX to help it go faster. I hired people to replace the floors and paint the interior. Per XXXX advisement, I also replaced all the lighting fixtures, went with his recommendations on paint and flooring colors and flooring types, and installed sod in the backyard. On the weekends, my wife would drive the three hours from XXXX to help with anything she could to get the XXXX house ready to be placed on the market. After some hiccups with the paint, flooring, and sod taking longer than expected, we were finally able to put the XXXX house on the market in XXXXXXXX XXXX informed us that we needed to sell the house at a minimum of XXXX to pay off the over XXXX in debt we had and have at least XXXX to put down to refinance the XXXX house. Sam knew of this and advised us to price the XXXX house at XXXX to get the people who are looking for houses under XXXX. He did this against what we had wanted, which was for him to price it at XXXX. A couple of weeks went by with few showingsXXXX XXXX advised we raise the price of the house to just above XXXX to get the people with a minimum of XXXX so we did. Then the interest rates went up a few days later and we got even less showings. He lowered the price to XXXX Still not many showings and when we would call him to ask any sort of question, we would find out that he was on vacation. We even had to request that he reword the listing, as at one point he made it sound like we were dead. August came around with no real interest and we felt that XXXX just wasnt in our corner. We fired him and went with the daughter of our old neighbor in XXXX She was in constant communication with us and explained how the market was being affected by the rising interest rates. She also explained that, aside from a deep clean, we hadnt needed to do all the extra cosmetic work and she would have never advised us to take out the XXXX. She was able to get the house sold foXXXX XXXX XXXX XXXX XXXX XXXX all the new owner wanted was for the roof and gutters to be replaced, which was covered by our homeowners insurance. As soon as the XXXX house was sold, we started receiving call after call from XXXX He stated that the money from the sale of the XXXX house was supposed to have gone to him, not to us, and sounded upset. He demanded to know how much we received and what we spent it on. I explained that we did exactly as promised and spent it on paying down our debt as much as possible to refinance into a lower interest rate (it is currently at 10%) and lower payments (we currently pay XXXX). He then went on to inform me that my wife would no longer qualify on her own due to the spike in interest rates and that I would need to find a job paying at least XXXX a year. I began putting in 100s of applications; I was laid off in XXXX due to covid. We paid our mortgage, I put in applications, and my wife worked. We started our lives here, started a homestead with goats and ducks, and figured that, since we were paying our mortgage on time, had heat and food on the table, that we were ok. I found a XXXX XXXX XXXX XXXX XXXX XXXX in town; it didnt count as a real job to refinance, but it paid for our phones, car insurance, and other smaller bills that my wife's paycheck couldnt cover; she pays for the mortgage and our truck. We began looking to our future; what fencing we would eventually like, fixing the duck coup and goat barn, making a dog run, hosting family events like XXXX and XXXX We were happy. Then, XXXX started calling again. He would ask about how the job search was going. I would tell him the truth; not well. No matter how many applications I have put in, nor how many interviews I had, for whatever reason I just wasnt getting hired. He was adamant that I needed a job for us to refinance. I informed him that we were doing our best, we were never late with the mortgage, so I would call him the second I had an offer letter. Then no calls. We went back to living our best lives not knowing that we were about to receive the biggest shock of our lives. Fast forward to XXXX XXXX XXXX. My wife and I were making plans for her upcoming vacation in XXXX for our XXXX anniversary. Deciding how much time she would take off and looking up things to do. We would normally go camping for a week, but since we now live in the mountains, we were thinking of doing something different this year. Then XXXX called and dropped a bomb. He stated that they were going to start the foreclosure process. We were shocked. We didnt miss any of the mortgage payments. We were current. He stated that that didnt matter. That the note we were under was only good for a year. I expressed that we were never told that. That it was only described as a high interest loan and that we were only ever told that we needed to refinance to get into a lower interest loan with lower payments. He stated that he was sorry if it wasnt explained properly, but that this is where we are and that if we didnt refinance now, they would foreclose on us. He then stated that they could do a six-month extension to give us more time, but they could only do that this one time. We agreed. We didnt think we had a choice. We didnt want to lose the house, and we didnt see any alternative. He had XXXX XXXX XXXX XXXX XXXX XXXX send us the amendment in XXXX The first one she sent only extended the note to XXXX XXXX XXXX I replied and informed them that it should be extended to XXXX XXXX XXXX, as that was six months from when we were informed of this. They sent us the updated paperwork, which we notarized and signed and sent back via XXXX We didnt know that this would be our biggest mistake. During all of this I also found out that our property taxes hadnt been paid. When we signed up with XXXX XXXX XXXX XXXX XXXX XXXX we had told them that we wanted the property taxes and homeowners insurance to be paid from the escrow like we had with our XXXX mortgage. They said that would be fine which is another reason our payment was a little higher, or so we thought. Come to find out our taxes werent paid, and neither was our homeowners insurance. At some point during the process the name of whom owned our mortgage was changed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which caused our homeowners insurance company to think that it was now owned by a different company, although both of these company names are essentially the same company. I tried explaining this to our broker, but she said that it was too late as we were now in default, and she would not be able to reinsure us but to try XXXX XXXX So now not only are we afraid of losing our house, but our house is no longer insured. We went to the courthouse and paid the taxes out of pocket right away. We are still searching for a company to insure the house. At this point we also started trying to not only refinance, but to come up with as much money as possible because they lent us more than the house was worth so we must come up with the difference in cash for what the house appraises for and what the difference in the loan will be. That amount can be anywhere from XXXX XXXX XXXX I had started a hobby during covid that I was hoping to start a small business with that utilized a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sold my machine to come up with extra cash. I started looking into selling my XXXX XXXX XXXX for cash. My boss at the XXXX XXXX offered to co-borrow for us to be able to refinance; unfortunately, business is slow, and his debt-to-income ratio kept him from being able to assist us. My wife started looking into selling the gold coins left to her by her grandfather when he passed away. We wanted to save the house. Unfortunately, nothing seemed to be moving fast enough or making us enough, so we decided to try and sell the house for as much as possible, buy an RV, and live out of that. We re-homed three of our six goats; the larger breeds but decided to keep our smaller breeds as they are inside goats, and we love them too much. That is when we found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We set up an appointment for her to come over, look at the house, and get it on the market. This was the best thing to happen to us. She listened to our story and offered to look over all the paperwork to help us in any way she could. Once her and her team looked over everything, it was determined that the extension that they had us sign had changed our note from maturing in XXXX to maturing in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had lied to us. They had used fear tactics and intimidation to have us sign this in order to take our house from us. XXXX had lenders, processors, and lawyers look over the paperwork and all agreed that this extension that they had us sign null and voided the maturity date and made it possible for them to foreclose on us. None of them had ever seen a loan like this and all of them felt it was predatory and fraudulent. XXXX gave me the contact information for XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX I sent all of the paperwork to him, and he also agrees that this was a predatory loan, and that fear tactics and intimidation methods were used in order to have us sign that extension. They lent us more than the house was worth. Something that is unheard of since the housing collapse in XXXX. They lied to us about the note only being good for a year and preyed on us to have us sign an extension thinking that was our only option. Our marriage is strained, we have gained back all the weight, and then some that we had lost in the months prior to the looming foreclosure, we are stressed beyond belief. We just want our home, tranquility, and happiness back.
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| 09/24/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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In early XX/XX/XXXX, I was advised I would not be able to use a recommended mortgage company as my credit score did not meet their requirements and was referred to a contact at CrossCountry Mortgage as an alternative.
In late XXXX I spoke with a representative at CrossCountry ( CC ) and confirmed I met their credit score requirements and discussed some of my credit history, including a bankruptcy I had on file. In addition, I had a foreclosure on a previous property which I disclosed in the submitted application.
On XX/XX/XXXX2020 I submitted an application to CrossCountry and clearly disclosed there was a bankruptcy and foreclosure in the declarations section as is required by law. I also uploaded several bank statements, pay stubs, etc.
On XXXX, I followed up with the agent who confirmed in writing that I was " comfortably approved. '' He indicated we had received an " approved/eligible '' from the FHA automated underwriting system.
It is our understanding that when a foreclosure is disclosed on an application, this information is flagged and manual underwriting is required and would have been clear to the agent.
Our mortgage agent indicated some initial concerns about an overdraft on my statement from XX/XX/XXXX20 and suggested it was not " significant '' and they could " definitely increase our purchase price '' and he did " ... not have any areas of concern on our application ''. Given that we had disclosed everything on our application, we felt comfortable moving forward. We assumed he had done a thorough job reviewing our application given his glowing support and approval.
We had been looking at properties for several weeks and were ready to move forward with an offer. Had CrossCountry expressed any concern about our application we would not have made an offer.
On XXXX we asked our mortgage agent if a closing date of XX/XX/XXXX or XX/XX/XXXX would be supported. The agent replied it would and so we submitted an offer to purchase and added a few extra days, setting a close date of XXXX.
On XXXX we received a loan summary from CrossCountry and exchanged phone calls extsemails for a couple days regarding the details of the loan.
On XX/XX/XXXX we were still negotiating the offer to purchase with the sellers and I contacted CrossCountry to see if they would be able to close by XXXX.
The agent responded that would not be possible and they would need 30 days. I asked if XX/XX/XXXX was acceptable and he replied that they should be able to close in that time but appraisals had been causing delays.
On XX/XX/XXXX I submitted a copy of the signed offer to purchase which had a financing deadline of XX/XX/XXXX and a closing date of XXXX. In the email, I clearly ask the agent to " take a look and let me know what you need. '' On XX/XX/XXXX I received a written response in email congratulating us with no mention of any concerns regarding the finance deadline.
On XX/XX/XXXX I followed up with the agent as I received an automated request to acknowledge the loan disclosure from the company. The agent responded and made no mention of concerns regarding the offer to purchase.
On XX/XX/XXXX I paid the appraisal fee after receiving an automated request from CrossCountry.
At this time, there had still been no mention of a finance deadline being in jeopardy or any other indication of loan issues.
There were several phone calls between the realtors, ourselves and the agent at CrossCountry regarding the appraisal. As suggested, the appraisal was going to take longer due to how busy the market was.
On XX/XX/XXXX we discussed a desktop appraisal as an option and the agent at CrossCountry indicated they would pursue this option.
At this point, the financing deadline had passed ( XX/XX/XXXX20 ) and our mortgage agent at CrossCountry made no mention of the issue. There were no further discussions of our credit worthineess or other documents needed by CrossCountry.
On XX/XX/XXXX at XXXX XXXX I received an email from the Loan processor at CrossCountry who indicated we may be contacted by their Credit services and Title company. The processor further requested documentation of my bankruptcy, copies of recent paystubs, etc.
There was no discussion of the disclosed foreclosure.
On XX/XX/XXXX @ XXXX we received confirmation that a regular appraiser had been found but would require 2 weeks to complete. The search continued for a desktop appraisal.
On XX/XX/XXXX @ XXXX we received an email ( not even the courtesy of a phone call ) indicating they received a copy of the foreclosure deed from the title search and would not be able approve the loan.
We called the agent to discuss the response. In our discussion we were told the foreclosure wasn't listed in the public comments section of the credit report so it was not noticed until now.
This is preposterous. We clearly disclosed all this information on the application and at NO POINT in our discussions did the agent bring this up.
Furthermore, from discussions with other loan officers and a direct FHA representative, this is information that is generated and flagged during automated approve review process.
Additionally, our agent clearly fabricated an excuse by saying they received the foreclosure deed from the title company. The title company does not research the buyer 's property. Their job is to research the seller 's property to ensure a clean title can be provided. Furthermore, we are currently renting and had no property to sale or research as part of this transaction.
After we called the agent, we learned about the potential option to secure a mortgage with extenuating circumstances. We then attempted to pursue this option with additional documentation submitted.
We worked over the weekend and generated an 8 page pdf detailing every late payment in my credit report leading up to the foreclosure. We found over 40 supporting documents and provided a very thorough extenuating circumstances application to support our case.
On XX/XX/XXXX @ XXXX XXXX, after receiving our initial denial and moving forward with the extenuating circumstances application, our agent FINALLY mentioned our earnest deposit was in potential jeopardy if we did not get the extenuating application submitted in a timely fashion. He insisted that he needed the documents ASAP in order to submit the application.
On XX/XX/XXXX @ XXXX XXXX I confirmed everything had been uploaded to the mortgage website.
After several days of waiting we didn't receive any additional requests until XXXX when we received an email from the agent requesting additional information.
Despite the urgent jeopardy of our earnest deposit, and the request to get them the information ASAP, the mortgage company ignored our request for several days.
We received a signatory request to release our tax transcripts from the loan processor, further showing how the company ignored the urgency of the application.
On XX/XX/XXXX @ XXXX XXXX we received an email from the agent apologizing for the " bad news, and the unprofessional fashion it was delivered, keeping you on ice for this long. '' We requested our tax file from the agent and took it to additional loan officers for review.
Each officer reviewed and confirmed what we had already suspected, the CrossCountry mortgage did not perform their job correctly resulting in our loss of the earnest deposit.
It is clear from the chain of events that the agent for CrossCountry mortgage made several assumptions, ignored notifications and required documents, failed to review existing documentation thoroughly and in general failed to perform the functions of their position.
At no point after receiving the offer to purchase did the agent question the finance deadline. It is clear they did NOT review the conditions of the FHA approval until AFTER the deadline had passed.
It's clear they ignored the disclosures and declarations in the application and again failed to complete their job functions thoroughly and accurately.
It is clear that XX/XX/XXXX was the first time they acknowledged the foreclosure, as evidence from their instant denial of the loan.
It is clear they fabricated a lie to cover up their failures by claiming a title search identified the foreclosure. We were not selling any property and had no reason to have past property titles researched.
In point of fact, this would have been immediately identified and documented by the FHA automated underwriting process on XXXX and clearly visible to the agent on XXXX, or in any of the additional 20 days after the application was submitted.
The agent 's delay in recognizing the foreclosure and failure to notify us of such violates section 12 CFR 1024.38 ( b ) of the RESPA act for documenting Reasonable Policies and procedures.
If the agent had notified us in a timely fashion, we would not have signed the offer to purchase and would not have lost our earnest deposit.
After receiving our loan denial, we attempted to recover our earnest deposit of {$5000.00} from CrossCountry mortgage.
It was clear to us, and other loan processors who later reviewed our application, that they failed to perform their job adequately.
The agent at CrossCountry denied our request for reimbursement, falsely stating we never disclosed the foreclosure to CrossCountry.
Furthermore, the agent at CrossCountry mortgage falsely stated we had been previously denied a mortgage due to the foreclosure and implied we were not forthcoming.
We have copies of the initial application with CrossCountry which clearly disclose the bankruptcy and foreclosure. In addition, our previous mortgage application with a different lender never made it to the FHA automated approval process as our credit score did not meet their requirements.
We were attempting to work with the previous company to improve our credit score when they determined it would not be at the appropriate level for several months.
It was this decision which drove us to apply with CrossCountry mortgage which had more lenient credit score requirements.
We have spoken with the CrossCountry agent who has denied any culpability as a result of their failure to perform their job functions.
We have called Senior management at CrossCountry and left messages which have not been returned.
We have emailed the agent and senior management multiple times and contacted their legal team.
Neither senior management nor legal has chosen to respond directly to our request to repay the loss of our earnest deposit.
At this point, all we want is to settle our grievance amicably. The lack of response from CrossCountry mortgage is deafening.
We would prefer to settle this issue outside the judicial system and will make all necessary efforts to recover our {$5000.00} earnest deposit which the seller 's chose to keep after we failed to meet the finance deadline.
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| 06/23/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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In XXXX, XXXX, my wife XXXX XXXX requested a COVID Forbearance with our mortgage lender, Crosscountry Mortgage. She was told it was approved. She was told we wouldn't need to make mortgage payments due to hardships encountered as a result of the pandemic. She was told that we would receive paperwork outlining the terms of the forbearance. After several months, Crosscountry still hadn't provided any documentation regarding the forbearance. My wife telephoned several times. When she was able to get through, she was informed that due to overwhelming demand, Crosscountry was behind on processing forbearance requests, but that we were not in any danger -- and to please be patient. We decided to resume mortgage payments, because Crosscountry never sent us any terms, conditions, or paperwork for the forbearance. Shortly thereafter, Crosscountry began reporting our mortgage as " late ''. My wife 's credit reports reflected different status than mine. For example, her 's reflected a 120 day late at one point, while mine reflected 60 days late for the same month.
In XX/XX/XXXX, I contacted Crosscountry to determine if there was a way forward that would be beneficial to both parties. I was informed by " XXXX '' ( customer service representative ) that I had already been qualified for their " Loss Mitigation '' loan modification program, effective XX/XX/XXXX. According to XXXX, the mortgage would be modified, the late payments removed, a new interest rate assigned, and an updated loan maturity date of XXXX assigned. The first payment of the loan modification was XX/XX/XXXX. I was instructed that I'd need to make three on-time payments, the first on XX/XX/XXXX, the second on XX/XX/XXXX, and the third on XX/XX/XXXX in order for the modification to become permanent. Once it was permanent, then paperwork would be sent to me outlining the terms and conditions of the modification -- not before.
On XX/XX/XXXX I contacted Crosscountry Mortgage -- because I still hadn't received any documentation regarding the loan modification. I spoke with " XXXX ''. He informed me that he'd just " pinged '' the " tech team '' responsible to mail out paperwork. He said it takes 24-48 hours for them to do their thing. I asked if I'd need to telephone back on Monday, XX/XX/XXXX and check back. He said, " Yes. '' On XX/XX/XXXX, I sent a payment to Crosscountry Mortgage in the amount of {$3000.00} per the Loss Mitigation loan modification agreement.
On XX/XX/XXXX I contacted Crosscountry Mortgage, and spoke with " XXXX XXXX ( she/her ). She verified the paperwork still hadn't been mailed.
On XX/XX/XXXX, I received the Loss Mitigation paperwork from Crosscountry Mortgage. The letter was dated XX/XX/XXXX, and the envelope was post dated XX/XX/XXXX. I contacted Crosscountry Mortgage and spoke with " XXXX '', because the Loss Mitigation paperwork I recieved did not align with the verbally agreed upon terms. We were told the " trial period '' payments were to be remitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, in the amount of {$3000.00}. The Loss Mitigation paperwork I received stated the " trial period '' payments were changed to XX/XX/XXXX, XX/XX/XXXX, and XXXX in the amount of {$3000.00}. XXXX could see it all on her system, but explained that it was confusing. She put me on hold and spoke with her supervisor. XXXX explained that " XXXX '' no longer worked for Crosscountry Mortgage, and that although my case should have been reassigned, it looked like it hadn't been. The supervisor spoke briefly with me. She explained that what she saw in the system didn't make sense. She placed me on hold, " To get to the bottom of this. '' When she came back, she explained that what she sees on screen is " confusing ''. She informed me I didn't need to have paid my XX/XX/XXXX payment. She said Crosscountry would have refused the payment, because the three trial payments must be " certified check '' sent through terrestrial mail -- not via automated banking systems.
On XX/XX/XXXX, I contacted Crosscountry Mortgage and spoke with " XXXX '' to see if Crosscountry could update my credit reports. There were multiple 30-day lates, as well as many 60-day lates that I wanted reversed. XXXX instructed me to contact the team who reviews requests of this nature : " XXXX ''. She instructed me to let them know the exact months affected, and how its being reported.
I successfully ensured certified checks were printed and mailed to Crosscountry Mortgage, on time, per their instructions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
On XX/XX/XXXX, I received the promised loan modification paperwork, with instructions to sign, date, notarize, and return to Crosscountry. My wife and I signed, notarized, and returned the paperwork via FedEx as instructed.
On XX/XX/XXXX, we received a second set of paperwork, again instructing us to sign, notarize, and return. Again, we did as instructed -- and on XX/XX/XXXX we signed, notarized, and returned the required paperwork via XXXX
In XXXX, XXXX we received a third set of paperwork, again instructing us to sign, notarize, and return.
On XX/XX/XXXX at XXXX am, I received a phone call from Crosscountry Mortgage. I did not answer that call. I was asleep in bed.
On XX/XX/XXXX I called Crosscountry to inquire why we were being made to submit the same paperwork a third time. I was informed that the first two sets of documents contained an illegible notary stamp and signature. I informed Crosscountry that I'd photographed the notary stamp, and that it was indeed legible -- and that I'd had a contracts attorney review the legibility of the stamp and signature, and that I'd be happy to submit a statement along with photographic proof if needed. Crosscountry informed me that the only notes in the system regarding the illegibility of the stamp and signature had something to do with " water damage ''. My wife and I again signed and notarized the documentation as instructed, and this time I enclosed the packet in a zip-lock bag before dropping in the mail. I expressed concern that our loan modification 's first payment was due on XX/XX/XXXX, but since Crosscountry hadn't accepted our signatures and notary stamps yet, we may no longer be qualified at the interest rate laid out in the agreement. The representative said the loan modification was fine, and that our payment due on XX/XX/XXXX could be made via automated bank payment, money order, cashiers check, mail it in, or call and speak to a representative for an over-the-phone payment ( which has an associated " convenience fee '' ).
On XX/XX/XXXX, we signed, notarized, and returned the required paperwork via FedEx -- this time sealing the documents in a zip-lock bag before placing into the XXXX envelope.
On XX/XX/XXXX, my wife XXXX XXXX called Crosscountry Mortgage and made a payment over-the-phone. Crosscountry waived the " convenience fee ''.
On XX/XX/XXXX I contacted Crosscountry Mortgage and spoke with " XXXX ''. Our XX/XX/XXXX payment had been cleared our bank account, however Crosscountry 's website showed we hadn't made our XXXX payment. I was concerned we might be hit with a " late '' penalty. XXXX informed me that on XX/XX/XXXX, Crosscountry received " something '', and that everything looked up to date. She explained that my account was undergoing an " update '' -- and that once it's updated, everything will be fine. I asked about the XX/XX/XXXX payment. She said she could see it in the system as having been received, and that once my account update is completed, my payment will be reflected correctly. She said there will be no late fee, and no late payment. XXXX instructed me to call back and check on XX/XX/XXXX or XX/XX/XXXX to verify.
In XXXX, XXXX my wife XXXX logged on to the Crosscountry website, and configured auto-payments, so mortgage payments will always be on time. Since XXXX, XXXX, every mortgage payment has been paid on time, via Crosscountry 's automated service.
In XXXX, XXXX, I lodged credit file disputes with XXXX, XXXX, and XXXX, in an effort to remove the " late '' payment history from my credit report. I'd followed every instruction from Crosscountry since XXXX, XXXX, and still don't understand why it isn't reflected on my credit report. I also inquired with Crosscountry 's " Research Department '' about my credit report, and was told that all the " late '' entries are legitimate, despite my efforts to explain the circumstances around the COVID forbearance issues from back in XXXX, and my demonstrated " on time '' payments since XXXX, XXXX.
On XX/XX/XXXX I attempted to contact Crosscountry Mortgage, but was informed by their robots that their customer service availability was from XXXX am to XXXX pm XXXX.
On XX/XX/XXXX I again filed disputes against Crosscountry Mortgage with all three credit reporting agencies, challenging the validity of my " XXXX past due '' annotations on my credit reports.
On XX/XX/XXXX, I contacted Crosscountry Mortgage and spoke with " XXXX '' ( she/her ). I asked if there's any way that XXXX could update my credit report with " Pays On Time '' and back date it to ( at a minimum ) XXXX, XXXX when I entered into the loan modification agreement with the lender. XXXX told me to contact the " Research Department '' and provide them with proof that Crosscountry has received on-time payments. I inquired if Crosscountry has internal computer systems that permit them to see whether or not I did in fact make on-time payments. I inquired why a customer should have to " prove '' that the lender received on-time payments. I asked to speak with a supervisor. The supervisor told XXXX to tell me that I'm no longer in their " Loss Mitigation '' program, and that I should contact the " Research Department '' or customer service. I contacted customer service. I spoke with " XXXX ''. I explained the history. XXXX made an effort to escalate, but was told the same thing. XXXX had placed a ticket with the Research Department, with a suspense date of XX/XX/XXXX. No escalation is possible until at least XX/XX/XXXX.
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| 05/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX we purchased our property. All taxes and insurance are being escrowed and we pay our mortgage payment, which includes principal, interest and escrow on time every month. However, Cross Country has failed to pay our property taxes on time, resulting in a lien being filed by XXXX County ( GA ) on the property. This lien was subsequently sold by XXXX County to XXXX XXXX, which continues to add penalties and interest to the amount due.
We have tried to work with Cross Country, making numerous calls and forwarding all documents and notices we have received to their customer service center, but no progress has been made since the lien was filed in XX/XX/XXXX. This problem is consuming a large portion of our time and has caused us great distress over several months. We feel we are at a dead end and that this will not be resolved without help. That is why we are filing this complaint. Below is a chronological summary and attached are supporting documents of what has transpired to date.
In XX/XX/XXXX, a month after we purchased our property, we received a notice from XXXX County that our city and county taxes were due. The city tax was due XX/XX/XXXX and the county tax was due XX/XX/XXXX. We looked on our Cross Country account and found that Cross Country had noted the taxes being due in XXXX and XXXX. We contacted Cross Country and explained that they had incorrect information and, at their request, we emailed them the tax bill. They agreed to pay the taxes and said they would check into the due dates they had on file.
On XX/XX/XXXX, after determining the taxes had not been paid, we emailed Cross Country explaining that the XXXX County ( City of XXXX ) taxes were delinquent as of XX/XX/XXXX and the XXXX County ( County ) taxes were still due XX/XX/XXXX and we reattached the tax bill showing both tax bills and their due dates.
We continued to check the tax assessors website and determined in XX/XX/XXXX that all taxes were not paid. The City taxes were still outstanding. When we looked at our Cross Country account we could see that Cross Country had only paid the XXXX County taxes and not the City of XXXX taxes ( which both go to XXXX County ). On XX/XX/XXXX, we contacted Cross Country and they requested another copy of the tax bill, which we once again emailed to them showing the outstanding taxes due.
Since we do not live at the property full time, we have someone checking our mail periodically. They alerted us in late XX/XX/XXXX that a Notice of Intent to Issue a FIFA was received from XXXX County. We contacted XXXX County and learned a FIFA lien was filed due to the City of XXXX taxes not being paid. We contacted Cross Country and explained this to them. We again sent them a copy of the tax bill showing what was outstanding and a copy of the Notice of XXXXntent to Issue FIFA. They assured us they would take care of it.
On XX/XX/XXXX we followed up with XXXX County to see if the taxes had been paid and were informed they had not been paid and therefore, the FIFA had been sold to XXXX XXXX on XX/XX/XXXX. They stated that it was now with XXXX XXXX and for us to contact them to arrange payment. We contacted XXXX XXXX and got the payment information. We then contacted Cross Country to relay this information and to tell them that the payment could no longer be made to XXXX XXXX, but now had to go to XXXX XXXX. We provided Cross Country the total amount due including interest and penalties, as well as the address to send the payment to. Cross Country assured us they would process the payment and that they would cover all interest and penalties by the end of XXXX deadline. We contacted Cross Country several times during the month of XXXX to check on the status of this payment and were assured the check would go out by the end of XXXX. We sent follow-up emails with reminders and attachments. We repeatedly conveyed that it had to be received by XXXX XXXX by the end of XXXX or more interest and penalties would accrue but they assured us it was being taken care of.
In XXXX, XXXX received an email from XXXX XXXX that the amount due was not paid and has now been increased by additional interest and penalties. This payoff amount was now good until XX/XX/XXXX. Please note that some notices are in the name of the seller and sent to our property address. We have attempted to get all notices sent to our address in New York or via email but some are still going to the property. On XX/XX/XXXX, we forwarded the updated notice from XXXX XXXX to Cross Country and had more calls.
We continued to follow up with Cross Country and on XX/XX/XXXX ( three days before the deadline to pay XXXX XXXX ) we contacted Cross Country and they requested another copy of the payment notice, which we again emailed to customer service.
On XX/XX/XXXX we contacted Cross Country again and sent them a copy of an XXXX XXXX notice which was received in the mail at the property, adding more penalties and interest to the amount due and which states that the payoff amount is good through XX/XX/XXXX.
Please note that when we call Cross Country, they start by telling us the taxes have been paid. We then explain that, if you look on the tax assessors website, you see that it shows the taxes have been paid but this is only because XXXX County has been made whole by XXXX XXXX in selling them the FIFA lien. But we now owe XXXX XXXX the amount due in order to remove the lien. Cross Country has told us at times they dont know how they will pay XXXX XXXX. Cross Country also tells us repeatedly that the matter has been escalated and that a work order has been opened to pay the amount due, but the bill does not get paid.
Furthermore, the due dates for our taxes as noted on our Cross Country account are still showing XXXX and XXXX, which we have asked repeated to be updated to avoid this happening again. We have asked XXXX County if these are the due dates and they have replied that the bill have not even dropped by that date. We have also asked to speak with the tax department at Cross Country but were told that we could not speak to them, nor could Cross Country customer service, since the tax department does not have a direct line. And while we do not know if this is accurate, we were also told that paying the taxes is not handled by Cross Country but that there was a third party that handles those payments. From our standpoint, it makes no difference who handles this but we assume that Cross Country is still the responsible party for servicing our mortgage.
We have also requested during our many conversations with Cross Country to have the escrow removed and allow us to make the tax and insurance payments ourselves, but those we spoke with didnt know how to go about making that change.
Calling Cross Country customer service is a nightmare. We never get to speak with the same person twice and everyone seems to have the same misinformation which requires us to go through the entire history each time. Often we ask to speak with a supervisor and on occasion we have done so. They have at times provided their servicing code so that we can request them next time we call in but they are never available or off for the day. On at least two occasions we were disconnected or placed on hold for excessive periods of time. Below are the dates we spoke with a supervisor and noted their names. There were many more calls to Cross Country than this but these were the calls when we requested a supervisor, one was available to speak with us and we wrote down their name.
XX/XX/XXXX XXXX XX/XX/XXXX XXXX.
XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( code XXXX XXXX XX/XX/XXXX XXXX ( code EPT ) What we are requesting : 1. Cross Country to pay XXXX XXXX and obtain lien release.
2. Property tax due dates be correctly reflected in our account.
3. Our escrow obligation be removed from our payment and the escrow balance refunded to us to allow us to manage our own payments. If Cross Country does this, numbers one and two above will not be necessary and we will be free to resolve this problem by paying off XXXX XXXX and assure that all payments related to our property are made on time in the future.
We have lost confidence in Cross Country and do not believe they are competent enough to service our mortgage. They have not only breached their obligation to make the required payments for which we pay into escrow, but they have failed to rectify the situation they have created despite our exhaustive efforts to do so. They may say they have appointed a resolution Specialist to our case, as we had received an email with the name XXXX XXXX but when we have tried to get in touch with her, she is never available and her voice mailbox is full. We have also received calls in response to our negative survey responses but after we explain the situation, we are transferred to another supervisor and again nothing progresses. Thank you for your attention to this matter. We look forward to hearing from you.
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| 10/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XXXX : Cross Country Mortgage migrated to a new website around XX/XX/XXXX and I haven't been able to log in to service my mortgage since then due to login errors. I am TWELVE calls deeps with their helpdesk ( 4+ hours on the phone ), 4 letters and many emails in with no end in sight. I've had to argue about waving the {$10.00} to pay over the phone fee as a stop gap solution twice now. Supervisors that I've escalated to refuse to escalate this further to a service desk lead/manager/director. I went as far as creating a XXXX diagram of the new website user flow with step-by-step screenshots detailing the errors, the login loops, and even found a boiler template email with typos and placeholder text. I should have filed a CFPB complaint sooner, but better late than never.
For documentation, below I have provided a timeline of interactions with Cross Country Mortgage. These references can be matched up to the uploaded email correspondences, Call Log screenshots, and physical letters. Additionally, I've included the PDF Visio diagram of the website user flow issues and the step-by-step screenshotted instructions which go into even more detail than notes below.
XXXX. XX/XX/XXXX - Email - Receive automated " Unknown account error '' email from my failed attempts to login. First tangible record I have of my login issues.
XXXX. XX/XX/XXXX - Call Log ( # XXXX ) - I call into support XXXX as instructed by the error message. Support states that they are aware of issues with the new website and tell me to try again next week.
XXXX. XX/XX/XXXX - Email - I emailed my mortgage advisor to see if he knew what was going on. He's a good guy and I don't want to involve him in the CFPB complaint. I'm including it because its a good point of reference as I wrote down what support told me over the phone from the previous week.
XXXX. XX/XX/XXXX - Email - Re-registered my account after support deleted it for troubleshooting. Received a series of four automated registration emails. Also reset my password, even though I use a password manager and know the password is correct.
XXXX. XX/XX/XXXX - Call Log ( # 2 & # 3 ) - I called into support for troubleshooting. They delete my account and tell me to wait 24-72 hours and try again ( the exact number changes each call, but usually within that range ). Rep also transfer me to the wrong department and I had to call in again.
XXXX. XX/XX/XXXX - Call Log ( # 4 ), Email & Letter ( # 1 ) - I attempt to re-register and receive another registration email, still unable to log in due to errors. I receive a physical letter in the mail from the Research Department stating they've received my inquiry.
XXXX. XX/XX/XXXX - Email - I reply to the email on XX/XX/XXXX from the XXXX I ( redacted ) asking for an update. I do not receive a response here. ( in later communications she states she can not receive responses from this mailbox ) XXXX. XX/XX/XXXX - Email & Letter ( # 2 ) - I attempt to follow up on my XX/XX/XXXX email with support. ( I am still not aware that the XXXX does not receive these ). I also receive another letter ( # 2 ) from the Research Department stating they've received my inquiry.
XXXX. XX/XX/XXXX - Call Log ( # 5 ) - I call into support for troubleshooting. I can't recall the details on this one but XXXX has the call logs. Either way it ends with me waiting another 24-72 hours.
XXXX. XX/XX/XXXX - Email & Letter ( # 3 ) - I receive my first email communication from the " Research department '' regarding my phone inquiries on XX/XX/XXXX and XX/XX/XXXX. Please note these were not my first inquiries into this issue, just the first ones the Research Department acknowledged in writing. My first call into support was XX/XX/XXXX. The Research Department email suggests skipping the first website login and going directly to the second to login. I test this, but I've already tried that step with support and it does not fix the issue. I reply to this email stating such and including screenshots. I also attach my previous email communications with XXXX I ( redacted ). I don't notice it at this time but they have slightly different email addresses. One is customer service spelled out the other is custserv proxy. The proxy one as I find out later does accept responses back. This day I also receive a letter ( # 3 ) from the Research Department stating they have received my inquiry.
XXXX. XX/XX/XXXX - Call Log ( # 6 & # 7 ) - A couple calls this day because my mortgage due date is approaching and I need to pay over the phone and have to request they waive the {$10.00} fee. They do agree to this after asking for an escalation.
XXXX. XXXX Call Log ( # 8 ) - Same as before, starting forget which call is which at this point. This could have been the payment call or a troubleshooting call. Either way no progress.
XXXX. XX/XX/XXXX - Email - Phone payment posted XX/XX/XXXX and receive email confirmation XXXX. XX/XX/XXXX - Email - Research Department send an email with the same advice as the last email worded differently. Obviously it doesn't work. I explain the issue in detail and that this is my 8th call into support and already asked the issue be escalated 3 times. I also note it's been 30 days since I reported the issue and will be filing a complaint with the CFPB.
XXXX. XX/XX/XXXX - Letter ( # XXXX ) - I receive a letter from the Research Department stating they've received my inquiry.
XXXX. XX/XX/XXXX - Call Log ( # XXXX ) - Call into support, they say they will delete my again a different way this time. Same spiel as before. I go along with it.
XXXX. XX/XX/XXXX - Email - I re-register and receive the same 4 registration/welcome emails. Still can't access the servicing portal.
XXXX. XX/XX/XXXX - Call Log ( # XXXX ) & Email - Call into support. Support asks me to reset my password. I do. Doesn't fix the issue. Password reset email received. Support also puts in ticket to delete account again.
XXXX. XX/XX/XXXX - Email - Re-register attempt and registration emails received. Same issue 20. XX/XX/XXXX - Call Log ( # 11 ) & Email - Research Department finally emails regarding my XX/XX/XXXX communication about having 30 days to respond to inquiries. They claim my issues been resolved on XX/XX/XXXX, because they saw my account re-register. Clearly no one is taking case notes or ownership of the issue or they'd see the account registration is not the root problem. I call support at this point because I need to pay my mortgage over the phone. Turns into a 1.5 hour call with some troubleshooting. I had to argue with the representative about waving the {$10.00} pay by phone fee. I provide them with step by step screenshots of the issue ( as I have before ) via email. I also reply to the Research Department correcting them via email about when the issue was first reported XX/XX/XXXX and it being my 13th call into support with all the screenshotted steps again. I have not received any communications from the research department since sending this email.
XXXX. XX/XX/XXXX - Email - account was deleted again. Re-register and issue persists, this time I screenshotted every step through the registration process writing down the steps as I went. At this point I'm frustrated and make XXXX diagram of end user website flow with step-by-step screenshots. It's very detailed and I probably spent a good 8 hours creating this diagram. Through this process I can now see login loops and discover a new error message as well as typo 's and boiler template text in some of their automated emails. Clearly this is not a fully baked website and has missed some QA.
XX/XX/XXXX - Call Log ( # XXXX ) & Email - Armed with my XXXX diagram and screenshotted steps, I call up support and go through the motions. I get one of the reps I've spoken to three times before, ( redacted ) XXXX I. She is very kind, but I ask that she escalate to a supervisor rather than walk through the steps I already tried. I speak to the supervisor and share my diagram and steps via email. The supervisor acknowledges receipt and has me perform a few basic steps, nothing new. Then says she is logging a support ticket and to try logging in again in 24hr. This time I ask for the ticket number. I have not been asking for that previously, but they have also not been sharing it voluntarily ( redacted ). I also ask that this be escalated further as the resolution they have provided today is not acceptable for the 12th call into support. The supervisor refuses to escalate to anyone above them, no managers/service desk lead/director, only to other supervisors which as I've done in the past and doesn't get me anywhere. The rep did agree that someone higher up would reach out to me tomorrow and took my phone number but did not divulge a name or title. Today I have also logged the complaint with the CFPB something I should have done a month ago.
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| 05/03/2021 |
Yes |
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Web |
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To whom it may concern, My name is XXXX XXXX. I recently applied for a mortgage with CrossCountry Mortgage with Loan Officer XXXX XXXX NMLS # XXXX. XXXX was referred by realtor agent who happens to be a good friend of mine. I spoke with XXXX late last year regarding the lending process for a first time home purchase but did not apply until XX/XX/XXXX of this year, XXXX. What is causing me to submit this complaint today is the infliction of emotional distress XXXX has caused around her lack of information, professionalism and her efforts of manipulation. Along with several issues I will list, the main reason for my distress is XXXX 's misinformation during the final moments of my acceptance for a house. XXXX admitted and remembers herself earlier this year where she mentioned early in my application process I would not need reserves to purchase a home. After out of 5 or 6 offers my last one was accepted. XXXX knew my situation was a tight one with numbers due to my income and purchase price with all homes in the same range of price. I apparently had a high debt/income ratio for the home but throughout this process let me know how much to expect for down payment and closing costs to make sure I would get approved. XXXX also knew in the beginning of the application process, that I myself had a difficult situation where my lease was expiring on XX/XX/XXXX and that this offer was likely my last one regardless of it being accepted or not. In the middle of XXXX XXXX finally had an offer accepted and signed the offer to purchase. In preparation for the total cash to close I began consolidating assets, took out a loan for half my XXXX sold some of my securities and even my fianc did as well to get prepared for the down payment and closing costs. The down payment was XXXX and the closing costs were around XXXX where XXXX was also going to be doing a XXXX credit to help bring less cash to close but increase my rate. On XX/XX/XXXX XXXX and I met on a zoom call and were going over preparation of purchase and sales the entire closing process when she finally mentioned towards the end of the call she was trying to figure out what she was going to use for my reserves. Immediately, all of my confidence and positivity towards purchasing my first home was suddenly dismantled. I reminded XXXX she told me I did not need reserves where she said somewhere along the lines, " I know, the guidelines have changed ''. After doing research these guidelines were for the beginning of XXXX. I can not begin with how sad I was and upset I was to be told this information during these final moments when she knew I either was buying a home or finding a place to rent asap with this house being the last house to purchase. The way XXXX mentioned she was looking to see what she could use as reserves was as if she tried to have it was normal and hope to think I did not remember our conversation from nearly 2 months ago where I asked her if I needed it. XXXX knew that I was investing all my possible liquid assets for this house and the emotional drain it has caused for my fianc and I. XXXX asked me if there was a gift I could receive to cover the reserves of about 3 months payment I need ( $ XXXX month ). I was very unhappy with XXXX and expressed my concern where she could have told me this months ago and she knew my lease was expiring and unrenewable. XXXX continued to say the guideline changed for XXXX fha depending on high debt/income ratios like myself and that she found out that day. Because it was over 45 days I did not want to apply with another lender, have my credit pulled again when I needed to possibly have a credit inquiry for an apartment. If I knew about this earlier I would have prepared a lot better to look for a home I wanted that could have been affordable or applied with another lender for the home I was finally accepted for. I can not begin to explain the situation I was in and how my fianc and I felt. XXXX that weekend went over the gifting process for me and how I could just pay the gift payers back. I was willing to do this and had my sister willing to give me a {$5000.00} gift. During this time I told XXXX XXXX was not comfortable asking family for gifts even if they knew I was going to pay it back. XXXX harassed me over and over if there were family members I could ask when I told her no. I told XXXX about a cousin who could have gifted me the money who happens to be a loan officer but I was unable to contact her. XXXX on this weekend asked me twice within 30 mins if I talked to my cousin and even said in the text that my cousin had the money to gift me just because she is a loan officer. I could not believe the person I was dealing with after I found out that in fact these gifts are not repayable by law and XXXX mentioned numerous times I could just pay them back. It took research online on my own recently to find that this was illegal. XXXX pressured me with asking " gifts '' from my family, made assumptions of my family members and made me feel like I had no other options to apply with another lender because she knew I had to move out by XX/XX/XXXX to find a place to live. I noticed several times of XXXX 's unprofessionalism but the first was when she mentioned a colleague of mine actually just closed on home with her. XXXX gave me his full name and where he purchased a home. I also working in the finance and banking industry and I know this is a major red flag in protecting client information. The weekend I learned about the reserves I told XXXX I may shop around last minute but she explained the " new '' fha guidelines for reserves was with every lender and she would send them to me if she could but even then she said I would not understand them. I was very upset when XXXX said that and reminded her I am a licensed financial advisor that has been working in the bank for almost 5 years and I have some knowledge around mortgage qualifications. XXXX also mentioned this day that she was a big reason I got accepted for the purchase of them home referring to her communication with the seller 's agent as a " her '' but in fact the sellers agent was a man. I still was trying to work with XXXX for the home I finally had an accepted offer on because after the 45 day inquiry limit and an expiring lease, I really had no other option that would jeopardize my credit score and lengthen the close date that was scheduled for XX/XX/XXXX. After several taxable events for my fianc and I, movement of half of my XXXX and this emotional roller coaster I decided to look for a new apartment. I could have gotten the home I wanted if I was just told in the beginning of the possible reserves with CrossCountry Mortgage but even then, with XXXX 's unprofessionalism I would have likely applied elsewhere. XXXX is the reason I will be renting again and not having the opportunity to buy the home I have been preparing for. I am willing to reapply with CrossCountry in a few months if they cover all of my closing costs and I speak with a new lending officer. If CrossCountry does not want to comply with this offer, I will be making legal arrangements. I have proof of XXXX 's unethical actions and will not disclose them now. I can be reached at ( XXXX ) XXXX and via email at XXXX XXXX
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| 10/02/2023 |
Yes |
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
Servicemember |
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After struggling through the end of XXXX and into early XXXX due to loss of income from COVID I reached out to my servicer late XXXX of XXXX and requested COVID forbearance through the cares act and received a letter in the mail dated XX/XX/XXXXXXXX that I was approved ( see attached file titled " Initial Approval '' ) with XXXX, XXXX and XXXX payments put into forbearance. Separately, I received another letter with the same date ( XX/XX/XXXXXXXX ) that gave me options ( see attached file titled " Options '' ). You can see one the 1st page under Option 1 that there is a " disaster extend modification '' that extends the term of the loan by the amount of payments missed. Additionally, " no additional documents are required '' - and then " If '' I can not resume payments there is another option below this titled " VA disaster modification '' that changes payment terms. This is important to remember later.
XXXX and XXXX went by with my payments in forbearance and I proactively reached out to the number on the letter in late XXXX since XX/XX/XXXX would be the last payment in forbearance. I reached out with the intention to resume payments as normal starting XX/XX/XXXX. With some financial help with family after getting married XX/XX/XXXX, and some hard budgeting decisions my hardship was over. When reaching out to the loss mitigation department in late XXXX to let them know I was ready to resume payments XX/XX/XXXX I was advised to reach out in XXXX. When I reached out in early XXXX I was told to reach out the second half of the month. I reached out the second half of XXXX and told loss mitigation I was ready to resume payments. The options were given to me ( the same as what the attached letter " options '' gives ) and I asked for the " Disaster Extend Modification '' since I was able to resume payments as normal. I was told nothing further was needed and it could take a couple weeks or month or so for this to be processed.
The rest of XXXX went by and I had not heard back. I was nervous with my XX/XX/XXXX payment coming up and being stuck in a limbo state of not having things resolved but also not knowing what to do for XXXX, so I called loss mitigation and asked for a status of my " disaster extend modification '' and also how I should proceed since my forbearance was approved for XXXX, XXXX, and XXXX but not XXXX. I was told that there were no updates on the disaster extend modification and that the loan was not considered late until the XXXX of the month. They stated they would take a payment for XXXX if I wanted and this would look good as well. I made my normal payment of {$9300.00} in early XXXX ( prior to the XXXX ). At this time I was also reported 90 days late ( contrary to my understanding of the CARES act ) and asked for this to be removed.
The entire month of XXXX came and went without hearing anything. I reached out a couple times to get the status of my Disaster Extend Modification and was told it was still in process and be patient. XXXX XXXX I reached out again to check status and make another payment. Once again, I was reported 90 days late and I asked for that to be removed and made my payment again for the amount of {$9300.00}, the amount my payment was prior to forbearance. Still no updates from loss mitigation and was again told in process. At this point it was about two months since I had asked to come out of forbearance and resume payments as normal. The month of XXXX came and went.
Early XXXX ( though it is dated XX/XX/XXXX ) I received a letter in the mail that referenced a " trial workout agreement '' ( see attachment " Trial Workout-Foreclosure Threat '' ) that threatened foreclosure if I did not sign and send {$14000.00} by XXXX. I of course immediately called ( XX/XX/XXXX ) - I spoke to a XXXX ( initials given XXXX ) but he hung up. I called back and got a XXXX ( initials given XXXX ) - who told me she could not see anything in the system referencing the letter that I had in my hand. I asked was she sure and she told me yes. I think this is evidence that the letter was sent out much later than dated since there was nothing in loss mitigations system that referenced this letter. I told her I was really nervous since the letter threatened foreclosure and she said she couldn't put anything in writing ( what I wanted ) but that I was okay, she had checked with her supervisor and confirmed I was still in for review of my disaster extend modification.
At this point it was clear to me that something had gone wrong. I called the VA and spoke to me assigned rep there. He told me he believed the letter that I had was for a modification that would increase the rate from the 2.25 % that I currently have to market rate of over 7 % and permanently increase my payment by $ XXXX - {$9300.00} to {$14000.00}.
I called back loss mitigation on XX/XX/XXXX and this time they did see the letter I had in their system. They confirmed this was something that I did need to do. He explained ( initials ARU ) that I had NOT been approved for the " Disaster Extend Modification '' and was instead being given then " VA Disaster Modification '' - which meant my rate would go to market rate and payment would increase by over $ XXXX permanently.
This was obviously a big problem and a big deal for me to have the payment go up by over $ XXXX. No explanation was given as to why I was not given a " Disaster Extend Modification '' as originally requested. Furthermore, the " VA disaster modification '' is listed on the letter as an option " if you can not resume making the full contractual payment '' - which I told the loss mitigation department I could. Even if I couldn't this other option reads as meant to decrease the payment if the previous payments were too high, not increase the payments by over $ XXXX.
Regardless, I wanted to continue to show good faith and made a third payment of {$9300.00} on XXXX since coming out of forbearance, clearly evidence I am able to resume. I was again reported 90 days late ( a third time ) on my credit report.
Since no one was able to help me on the phone, seemed to have old or inaccurate information, or knew what was going on over the phone I sent an email to the loss mitigation department on XX/XX/XXXX and again XX/XX/XXXX detailing what I have sent to you above. I did not get a reply as of today ( XX/XX/XXXX ). I called them again today ( XX/XX/XXXX ) and asked if they received my email. The person on the phone ( initials XXXX ) confirmed they had received both emails on XX/XX/XXXX and XX/XX/XXXX and that they had been forwarded to supervisor. At this point, since it is now past XX/XX/XXXX I am fearful my home will be foreclosed on as threatened on the letter titled " Trial Workout-Foreclosure Threat '' which is my reason for reaching out today.
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| 08/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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To Whom it may concern, My wife and I are filing a complaint against two mortgage lending companies ( Cross Country Mortgage CCM and XXXX XXXX XXXX XXXX XXXX ) for negligence and non-responsiveness to our inquiries during the loan process for our new home and our request for loan payoff. CCMs refusal to provide guidance and support to allow us to fully pay off our loan as early as XX/XX/XXXX is the crux of this complaint. This has amounted to us being charged an additional amount of one months worth of interest to the final payoff amount for our home.
I am attaching documentation to support our complaint.
Listed herein, is the timeline that will illustrate the steps taken by my wife and I unsuccessfully trying to engage both mortgage lending companies during this period.
XXXX : XX/XX/XXXX Our newly purchased home in XXXXXXXX XXXX closes ; we paid approximately {$420000.00} as a down payment and had a XXXX, fixed rate loan of {>= $1,000,000}, with first monthly mortgage payment due XX/XX/XXXX to CCM.
XX/XX/XXXX CCM mailed a Notice of Assignment, Sale, or Transfer of Servicing Rights ( Exhibit XXXX ) communicating that effective XX/XX/XXXX the loan would be transferred to XXXX ; as the Present Servicer, CCM mentioned that if you have any questions relating to the transfer of servicing from us, please call the CCM Loan Servicing Department toll free number listed Additionally listed in this Notice was a sentence that said, any payments due prior to XX/XX/XXXX, should be mailed to CCM.
XX/XX/XXXX I made the first of three phone calls to CCM to ask to speak with a CCM Loan Servicing resource to understand what the protocol was to pay off the loan of {>= $1,000,000} in full once we sold our existing home in XXXX XXXXXXXX XXXX. I was transferred to a call center ( I believe it was XXXX ) and asked for CCM to return my phone call. Neither this call, nor the subsequent phone calls to CCM were returned to me during the next 2-3 weeks. My intent was to pay the loan of {>= $1,000,000} immediately, so as not to accrue any interest in arrears.
XX/XX/XXXX I placed a call with XXXX XXXX at XXXX, since they were listed as the receiver of the loan, effective XX/XX/XXXX and asked about their process for paying off my loan. I spoke with a XXXX XXXX resource at XXXX and was told that XXXX could not provide me with any information since they were not in official receipt of our loan until XX/XX/XXXX.
XX/XX/XXXX or XXXX I asked our CCM loan mortgage brokers ( XXXX XXXX and XXXX XXXX ) to help us engage the CCM Loan Servicing Department and sometime over the next few weeks, they were not able to receive a return call from the CCM Loan Servicing Department.
XX/XX/XXXX Our home in XXXX XXXXXXXX XXXX officially was sold, and we received a wire transfer of {>= $1,000,000} into our XXXX checking account. This amount was more than sufficient to pay off the {>= $1,000,000} loan on the XXXXXXXX XXXX home.
XX/XX/XXXX I contacted XXXX XXXX and asked her again to request the protocol within CCM to receive a loan payout quote since CCM was still our loan servicer and I had not received any communication or further correspondence from CCM Loan Servicing Department.
XX/XX/XXXX XXXX XXXX sent an internal email ( Exhibit 2 ) to XXXX XXXX ( EXXXX XXXX CCM ) and XXXX XXXX ( Loan Servicing CCM ) asking them a question about getting a loan payout quote, Is there anyone at CCM they can talk to? Apparently, they arent getting a call back from the servicing dept at CCM. I have to get back to them today with some help or explanations.
XX/XX/XXXX XXXX XXXX responds to email ( Exhibit XXXX ), Hey XXXX - sorry to hear this ... Loan Servicing can you please see below and reach out to XXXX asap? Attached is the loan being referenced. I received no response from the XXXX XXXX XXXX XXXXpartment.
XX/XX/XXXX I received a letter from XXXX ( Exhibit 4 ), welcoming me to XXXX. Effective XX/XX/XXXX, the servicing of my account will be transferred from CCM to XXXX. Noted within the document is, prior to the transfer of your account you will receive an official notice from CCM advising you of the transfer as well as an official notice from XXXX. Thus, CCM was still holding the loan through XX/XX/XXXX.
XX/XX/XXXX I start to call XXXX to ask if they have engaged with CCM about our loan payoff and was told by XXXX that she cant help me until XX/XX/XXXX.
Week of XX/XX/XXXX I called XXXX and speak with XXXX, XXXX and asked the same question ; Id like to payoff my loan and not accrue the interest and was told to submit a payoff quote on XX/XX/XXXX.
XX/XX/XXXX I submitted the payoff quote for {>= $1,000,000} to XXXX.
XX/XX/XXXX I received the payoff quote ( Exhibit 5 ) for {>= $1,000,000} plus {$6600.00} in interest in arrears for XXXX. This is exactly what I was hoping to avoid but had no recourse with either company not returning my calls and in CCMs case, their management made no attempt to answer my requests even though CCM still held our loan.
XX/XX/XXXX I spoke with XXXX ( no last names are given ) Supervisor at XXXX about the added interest. She escalated my request regarding the interest to her investor.
XX/XX/XXXX I emailed ( Exhibit 6 ) with XXXX XXXX ( XXXX XXXX CCM ) about the lack of response from CCM that is now impacting me with my loan payoff. He asked me how I got ahold of him and that he would forward my request to the CCM Loan Servicing Department.
XX/XX/XXXX XXXX XXXX sent me an email ( Exhibit 7 ) stating, Im sorry youre having trouble with this. I just copied you on another email where I have tried escalating this once again to the CCM loan serving department. This is another example of CCM Loan Servicing being non-responsive to my plight.
XX/XX/XXXX I spoke with XXXX and XXXX ( XXXX XXXX ) for status of the escalation from XX/XX/XXXX, her comment was, we have to meet with our investor in order to provide a response and it could be 3-5 days or 30 days.
XX/XX/XXXX I received an email from CCM Loan Servicing Department ( Exhibit 8 ) stating, After reviewing this loan, the loan sold to the new investor XX/XX/22. The XX/XX/22 letter provided to the borrower advised the loan transferred to the new servicer XXXX XXXX XXXX XXXX ( XXXX ), including the contact information. When CCM received the email request attached from XXXX XXXX we forwarded to the new servicer ( XXXX ) since CCM did not service the loan at that point and could not pull a payoff. CCM was trying to absolve themselves from responsibility yet did nothing to respond to my request beginning XX/XX/XXXX and never attempted to put me in contact with XXXX to correct this matter.
XX/XX/XXXX We wire transferred from our XXXXXXXX XXXX to XXXX the amount of {>= $1,000,000}. I spoke with XXXX ( XXXX XXXX ) to confirm full payment and zero balance on the loan.
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| 02/24/2022 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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We have a mortgage with CROSSCOUNTY MORTGAGE. This complaint is concerning their failure to apply payments to our account, failure to correctly calculate the amount of ad valorem taxes which directly affects our monthly payment by several hundred dollars and for refusing callback requests to address and resolve the issue. Also, if this issue is not resolved quickly, they will send negative credit reports.
My Husband is a 100 % XXXX Veteran. When we refinanced our loan with CROSSCOUNTRY MORTGAGE, our first payment was due in XX/XX/XXXX, therefore our ad valorem taxes were not calculated on my husband 's XXXX, 90 % at the time. However we knew that for the next year ( XXXX ) our taxes would be correctly calculated and our monthly payment would be reduced. We are not talking about a small amount, we're talking in excess of {$600.00}.
In preparation and to help speed the process, I contacted CROSSCOUNTRY MORTGAGE around XXXX or XXXX of XXXX to inquire how to make sure our new payment would be calculated on the correct exemption status. I was advised by a customer service associate that they would need an estimated tax statement for XXXX. I advised them that according to the XXXX XXXX XXXX XXXX Collector 's Office, those statements would not be available until late XXXX but they could call that office to verify exemptions. I advised that person that I wanted to make sure because we were paying way more because no exemption status was noted at CROSSCOUNTY. She suggested I send documentation to their office to prove the exemptions. I mailed to them the application for the exemptions along with my Husband 's verification certificate from the VA and the confirmation of our exemption status from the Tax Collectors Office. I assumed this would be taken care of and our new mortgage payment in XXXX would reflect my Husband XXXX and exemption status. It did not!
At the beginning of XXXX, we received the year end statement. It advised of the escrow overage refund ( {$6200.00} ) and the date the the escrow amount was mailed out. It DID NOT indicate that our exemption status had changed. I contacted CROSSCOUNTRY MORTGAGE to inquire why the exemption status had not changed. They advised they never received the information I'd sent. I inquired again what information they needed. I was told to send proof of our exemption status ( 90 % XXXX ) at that time. I emailed to CROSSCOUNTRY MORTGAGE the estimated tax statement for XXXX from XXXX XXXX Florida and my Husband 's VA XXXX certificate. This was emailed to them on XX/XX/XXXX. ( On a side note, I never did receive the escrow overage refund. After three weeks, I called to inquire, was told it was supposed to be dispersed on XX/XX/XXXX but wasn't. I asked why, was advised she didn't know but it would be mailed the next Friday, more on that later ).
Again, I assumed this was being processed. When I received our mortgage payment for XX/XX/XXXX, our exemption status still had not been processed. Our mortgage payment was now more than {$200.00} more than the previous year ( due to insurance and tax increases ). I called customer service again on XX/XX/XXXX and inquired why no exemption updates. I was told they needed an estimated tax statement for XXXX. I advised that associate the statements for this year would not be available until late XXXX and advised her that I'd included the XXXX tax statement in the information I'd sent on XXXX. I don't recall exactly what excuse she made that time but I took this opportunity to ask about the escrow overage refund. I advised her I'd inquired the last time about it and what I was told, that it would go out the next Friday. Her response to that was " nobody told you that ... the only thing we would have told you was whether or not the check had been cashed ''. I was very upset, as I felt she was calling me a liar and asked to speak with a Supervisor. She advised me that " I am a Supervisor but I will transfer you ). I then spoke to " XXXX ''. She advised that yes, the refund was sent out. I expressed my concern that the previous " Supervisor '' didn't know this and had basically called me a liar. I then told her the original reason for my call, our exemption status, the many times I'd sent the information requested and asked her what was needed, same thing, estimated tax statement, same conversation, no update for XXXX until XXXX. I expressed to her I really did not want to keep sending in {$600.00} more a month while they figured how to correct my account. She advised me to send an amount that was less the taxes and they would apply that to the account. I confirmed with her this would not be a problem. She said it wouldn't be. Unfortunately it was a problem. We got a letter on XX/XX/XXXX advising they had not received a full payment so they would not be applying any of the funds.
Here we go again. I called CROSSCOUNTY MORTGAGE on XX/XX/XXXX, asked what was needed, same conversation, different associate. I asked to speak to her Supervisor, someone who would take responsibility and get this taken care of. I was told they were all Supervisors. I asked to speak to HER Supervisor. She advised she'd send an email to her Supervisor for a callback. I received none. The next day, XX/XX/XXXX, I called the corporate office, was told they'd send a message for someone to call me back, received none. The next morning, XX/XX/XXXX, I called the corporate office again, was told they would send an email for a callback, same thing when I called again nearing end of business day, called again this morning, XX/XX/XXXX, no callback.
At this point, I don't know where else to turn, so I am filing this complaint. CROSSCOUNTRY evidently expects me to continue to make a mortgage payment that are much higher than I'm suppose to make and be okay with it because they will refund the overage at the end of the year. I have a problem with the fact that their customers are not important enough to callback, that nobody wants to take responsibility and fix the problem. When I asked one of the " Supervisors '' when the tax exempt problem would be corrected if I didn't call in, her replied was " eventually ''. I was employed by a top three banking institution for many years before I retired, we would never be allowed to not respond to a customer request like this. And I also know, their calls are recorded. If someone goes back and listens to the call I made, they will see that what I was told to me is true. ( especially by " XXXX '' ). There is no way I would not make a payment on my mortgage, my home and my credit is too important to me.
Thanks, XXXX XXXX
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| 07/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I began working with Cross Country and my realtor in XX/XX/2022. I communicated that my maximum for a monthly mortgage was {$3000.00}.
Prior to placing an offer, I asked Cross Country to provide an estimate of what the monthly mortgage would be. Generally, the initial estimate was similar to what I later received from the mortgage company once the offer was accepted and the property was under contract. For example, for the first property in XX/XX/2022, he provided an initial estimated monthly payment of {$3000.00}. When I received the estimated mortgage after the property was under contract, it was {$2900.00}. I paid for the inspection and appraisal, but unfortunately, I had to cancel that contract due to an appraisal issue.
We continued this same practice of me sending him addresses and requesting estimated monthly mortgage payments. I would send an address, and he would provide me with an initial estimate of the monthly mortgage before I looked at property. This occurred throughout XX/XX/2022.
I also made an offer that was accepted at the end of XX/XX/2022, but elected to cancel that contract ( even after paying for the inspection and fees ).
On XX/XX/2022, in similar fashion I contacted Cross Country and asked him to provide an estimated amount of mortgage payments for two properties, one of which was XXXX XXXX XXXX XXXX, which was listed for {$380000.00}. He responded that this particular propertys estimated monthly mortgage would be around {$2700.00} ( with approximately $ XXXX to close ).
I wanted a draft offer prepared on this property for {$380000.00}. I later attended the open house for the property on XX/XX/2022.
After I attended the property, the offer was submitted to the sellers.
On XX/XX/2022, I spoke with Cross Country and my realtor on the phone about increasing the contract price from {$380000.00} to {$400000.00}. During the call, my realtor asked Cross Country what the estimated monthly mortgage would be as a result of the increase. Cross Country stated that it would be about {$2900.00}.
I increased the offered amount to {$400000.00} and re-submitted my offer, which was accepted.
On XX/XX/2022, I paid for the inspection ( {$400.00} ) and appraisal ( {$750.00} ). In addition, I provided additional documentation to Cross Country for a loan estimate/application.
I also received the loan estimate.
On XX/XX/2022, I contacted Cross Country and asked about the estimated monthly mortgage amount on the disclosure provided on XX/XX/XXXX, which was {$3200.00}. He responded via email and noted that he was negotiating with the underwriters about the taxes. I told him that I did not understand what that meant, so he later called me to discuss it.
During the discussion, Cross Country indicated that he estimated taxes to be around $ XXXX for the {$2900.00} estimate he verbally provided to me. However, the underwriters were estimating taxes to be for $ XXXX per the XXXX XXXX XXXX website, and that was the amount on the Load Estimate Document.
On XX/XX/2022, I again noted my concern with the estimated monthly mortgage amount, which was way over my budget. I asked Cross Country both via email and during phone conversations for an explanation of the initial {$2700.00} estimate that he gave me. Cross Country never addressed those questions. I therefore signed and submitted the cancellation of the contract for the property on XX/XX/XXXX.
On XX/XX/2022, Cross Country called me to provide information indicating that he had been able to negotiate with the underwriters to reduce the estimated taxes, resulting in a reduced estimated monthly mortgage of {$3100.00}. I never received an updated loan estimate in writing indicating this was, in fact, the case.
Because of the constant back and forth and my frustration with trying to understand the big difference in various estimates, I told my realtor I wanted to cancel the contract, again, on XX/XX/XXXX.
XXXX email I noted my frustration with Cross Country and the process of gathering information. He responded indicating that he told me from the beginning the issue with getting an accurate estimate for the taxes on the property and negotiating with the underwriter. I then outlined that the nearly $ 600 monthly difference in the numbers that he had given me were never explained by him, and therefore, I believed he did not provide a good faith estimate ( meaning the initial {$2700.00} was not a reasonable estimate for the property from the start ). He responded and said he never told me that the monthly estimate would be {$2700.00}. But on XX/XX/2022 he clearly wrote in an email that the estimated amount would be {$2700.00} for XXXX.
I am submitting this complaint because Cross Country provided a false and unreasonable initial estimate of {$2700.00} before the offer was extended in an effort to get me locked into a contract. Even when I raised my concern with the amount and wanted to cancel, he said that I had already paid for another inspection and appraisal, would waste my money again, and I could afford it given my debt to income ratio. I never would have considered this property or paid for the inspection and appraisal if he had provided a reasonable estimate, which I believed he had done in XXXX and XXXX with other properties. Prior differences in estimates were {$70.00} or so per month, not nearly {$600.00} per month.
He also claimed that he had these negotiations, but provided no updated loan estimates to support what he was saying. And the culmination of the deception was him denying that he ever told me that the estimated monthly amount would be {$2700.00} for this particular property, XXXX XXXX XXXX in XXXX XXXX, FL.
As a result of this unscrupulous behavior, I am seeking a refund from Cross Country Mortgage in the amount of {$1100.00}, the cost of the inspection and appraisal that I paid for property XXXX XXXX XXXX XXXX. I would not be out {$1100.00} if it had not been for the completely unreasonable and false information that was given to me. Fortunately, I did not enter into a mortgage with this Company, but I still lost money as a result of this behavior.
I will note I am not asserting that the {$3200.00} amount is inaccurate. I am saying that the {$2700.00} ( and even the later {$2900.00} ) amounts were false, which led me to submitting a contract and paying these two specific fees.
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| 10/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
Older American |
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XXXX XXXX XX/XX/XXXX Cross Country Mortgage, XXXX XXXX : Customer Service XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX RE : Loan Number : XXXX Response to CFPB Case Number : XXXX Dear Cross Country Mortgage, I am writing in response to your letter dated XX/XX/XXXX, regarding my concerns and requests for restitution due to the adverse impact on my credit score resulting from the mishandling of my forbearance arrangement.
First and foremost, I would like to acknowledge the date of your letter and the reference numbers provided for the sake of clarity.
Regarding your initial assertion, you mentioned that on XX/XX/XXXX, I contacted your Loss Mitigation Department and informed them that a natural disaster, Hurricane Ian, had affected my property and the XXXX, FL. region at large. This led to my real estate business facing significant challenges. As our region was declared a disaster zone by FEMA, I became aware of the possibility of a forbearance arrangement to alleviate financial strain. Consequently, I reached out to your Loss Mitigation Department seeking guidance in navigating this process.
During our interactions, I distinctly recall being reassured by your representatives on multiple occasions that my credit would not be adversely affected. To substantiate my claims, I formally request that the recorded conversation between me and your Loss Mitigation Department be subpoenaed as crucial evidence in this matter.
Furthermore, I would like to understand why, on XX/XX/XXXX, I was not informed about the necessity of submitting a Loss Mitigation Package. Could you please verify if your records indicate those instructions given by your loss mitigation specialist on that day? Do you have records of providing a digital or mailed loss mitigation package initiated on XX/XX/XXXX when I requested forbearance?
Unfortunately, the lack of clear guidance from your department on that day resulted in the mismanagement of my forbearance request. Your Loss Mitigation Department informed me that everything was in order with a temporary stop of payment, i.e., forbearance, and that payments should resume timely on XX/XX/XXXX. On multiple occasions, I inquired if my credit was at risk during this process, and your Loss Mitigation Department assured me that it would not be affected. I kindly request that you subpoena the recordings of these conversations as evidence.
It was only in XX/XX/XXXX, when I reached out to reinstate my payments, that the paperwork for my forbearance process commenced. At that time, your records indicated no prior knowledge of my forbearance request. Regrettably, this delay in providing clear instructions led to 90 days of late payments and a subsequent negative impact on my credit score, as you mentioned in your response.
Regarding your statement about my loan 's approval for a deferral in XX/XX/XXXX, with a verbal agreement reached on XX/XX/XXXX, I must raise questions about the options presented to me on that day. Specifically, why was I not informed about the requirement to submit a Loss Mitigation Package during our initial contact on XX/XX/XXXX? This crucial omission resulted in confusion about the necessary steps I should take. It was only in XX/XX/XXXX that you began the paperwork for my forbearance process. Notably, this was the same time when late payments were first reported to credit bureaus.
It was when I received the loss mitigation package stamped on XX/XX/XXXX ( see exhibit ) when my forbearance process began, I started receiving notice of default with the threat of foreclosure, and my credit plunged to XXXX FICO. All of this occurred due to the mishandling of my forbearance process. Please provide evidence to the contrary.
I respectfully reiterate my request for restitution for the time lost due to the mishandling of my case. It is essential to stress that I am not seeking compensation to which I am not entitled ; rather, I am seeking redress for the time that was unnecessarily consumed due to the mishandling of my case.
Furthermore, I am an advocate of equal housing opportunities, certified in XXXX XXXX, and the CEO of XXXX XXXX XXXX. I strongly believe that the issues I have encountered warrant the attention of the Consumer Financial Protection Bureau ( CFPB ) to investigate the operations and communication departments of Cross-Country Mortgage, LLC, including the Cross Country Customer Service Department, Loss Mitigation Department, and XXXX XXXX, the servicing arm of Cross Country.
My experience demonstrates credit discrimination in Cross CountryXXXX XXXX XXXXs mishandling of my case by not providing the proper instructions, threating with notice of default and foreclosure action, creating significant damage to my credit, putting me and my family in financial risk due to your flawed processes.
It is my belief that my case serves as a clear example of larger problems within your organization that may be adversely affecting other individuals. A case in point of your faulty operation and communication faults is the recent communication error, where I received a letter addressed to a customer named XXXX XXXX ( see attached ). This further underscores the misalignment and malfunction of your automation systems. Do I have to provide more evidence to support my point?
While I have endeavored to navigate the challenges presented by your company, it has not been without significant consequences for my credit score and the time I have had to invest in dealing with unnecessary paperwork. My request for restitution remains unchanged. This time represents a substantial loss and disruption in my life that I believe warrants fair compensation.
In conclusion, I believe that this response comprehensively addresses the concerns outlined in your CFPB correspondence. I respectfully request that the recording of my conversations with your Loss Mitigation Department be subpoenaed by the CFPB for a thorough investigation. This request is not only pertinent to my case but also crucial to ensuring that others do not encounter similar difficulties.
If you require any clarification, have additional questions, or need further assistance, please do not hesitate to contact me. I am committed to achieving a swift resolution to these matters.
Sincerely, XXXX XXXX
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| 12/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Payment process
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Web |
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CrossCountry Mortgage claims that the {$14000.00} they received from the TXHAF program was applied towards XXXX, XXXX and XX/XX/2024 as well as {$3900.00} towards the escrow they opened due to hazard insurance they purchased on my behalf. This information is false as that is not what they portrayed to the program coordinator at TXHAF and this is not how it was supposed to be applied. They also claimed that they have funded the escrow in it's entirety and closed it out and yet my payment still remains at {$3600.00} for XXXX and so on which inlcudes and additional amount of {$840.00} that is going towards escrow. My regular monthly payment is {$2800.00} and if they have indeed closed out the escrow by applying the funds correctly, then my payment for XXXX and all future months should show {$3600.00} but it doesn't. They also lied about the amount they applied towards escrow because they were overcharging me on the escrow amount. Yes the hazard insurance was only {$3900.00} in total but the total amount in escrow that they were asking from me is {$5700.00}. Please see the attached screenshots to show exactly how much of the {$14000.00} was applied towards escrow and you will see that it's not just {$3900.00}. The {$14000.00} was instead supposed to have been used to pay XXXX and XXXX each in the amount of {$3600.00} which again alone includes {$840.00} each month towards escrow. Then they were also to pay off the late fees that I had which totaled to {$1100.00}. The remainder was used to pay off the escrow balance. None of this payment has anything to do with XXXX as TXHAF has payment setup for XXXX through XXXX in the amount of {$2800.00} which should be the correct monthly payment amount effective immediately and yet they still haven't corrected this to this date. In conclusion, the company has lied about the way the funds have been applied or they misapplied it and don't want to correct it the way it should be, they have lied about the amount they applied towards escrow as shown in the screenshots and provided mortgage statement, and they have failed to correct my monthly payment amount to show {$2800.00} as I no longer owe them anything further for escrow. Until all of these issues are corrected, this complaint will not be closed out as they have failed to do their part.
I have attached the following documents to show proof of everything I am claiming about this company and their false responses : 1 ) XX/XX/2024 Mortgage Statement : a. Shows that the late fees of {$1100.00} were paid off which is accurate but they didn't claim this in their original response to my initial complaint which they omitted purposefully to steal the funds.
b. A total of {$5700.00} was paid towards the Escrow as shown clearly in the statement showing an overpayment of {$1700.00} which needs to be refunded back to me once the escrow account was closed. This has not happened and they are claiming they only applied {$3900.00} towards escrow which is clearly a lie and false.
c. The monthly payment due still shows {$3600.00} instead of my regular payment amount of {$2800.00}. They are still trying to charge me escrow fees for an account that has been paid off and closed out which is illegal.
2 ) Email from TXHAF Program Coordinator : a. Per her email, she clearly states that the {$14000.00} is to pay off all past due amounts and all mortgage payment through end of XXXX. This means this payment was only intended for XXXX and XXXX XXXX monthly payment of {$3600.00} ( which includes partial escrow fees ), past due fees and the remainder of the escrow balance due to close out which was {$4000.00} 3 ) Payment Application Screenshots Taken from Lender 's Site : a. First screen shows the {$14000.00} payment that was received and of that amount {$4000.00} was applied towards Escrow as clearly shown b. Second screen is the XXXX payment clearly showing that they applied a total of {$3600.00} towards XXXX which includes a total of {$840.00} of escrow fees on top of my regular monthly payment of {$2800.00} c. Third screen shows the XXXX payment which again shows they applied a total of {$3600.00} which includes {$840.00} of escrow fees. This now totals {$5700.00} of escrow fees being applied from the {$14000.00} payment they received which matches the amount shown on the mortgage statement they sent me for XX/XX/XXXX4 ) Escrow Projection Statement : a. This statement refers to the escrow account they opened for the hazard insurance which is only for {$3900.00}. As you can you see the total monthly amount to pay off the {$3900.00} would be {$320.00} as they have listed correctly on the left next to each month. However, they are charging me a total of {$840.00} a month for escrow fees which would equal to {$10000.00} over a 12 month period. It makes no sense why I would pay {$840.00} a month when this statement clearly shows that the required escrow amount to pay off the insurance would be {$320.00} monthly. They were and are trying to XXXX me over by charging an excessive amount on a monthly basis for an insurance they purchased for only {$3900.00} which again is illegal. This statement is just to show that this company is a fraud by charging me {$840.00} in escrow fees when the monthly amount should only be an additional {$320.00} to pay what I actually owe for the insurance.
They also lied when they said access to my account wasn't blocked as when I called their loss mitigation department, their own representative confirmed that my account was restricted from being able to access in its entirety. I am aware of certain features being blocked but that was not the case. I couldn't even see the account online and only after I filed the complaint did I receive access a couple days later.
As far as the credit correction that they have failed to do goes, they are lying about that as well. The comments were never removed as I pulled all three credit reports 30 days after they sent their letter stating that they will correct it and the statements are still there.To this day, XXXX still shows the comment that I am on a partial payment plan and I have all three credit reports to show proof of this.
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| 11/15/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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XX/XX/XXXX I have had difficulty with communication and resolution for the past several months with Cross Country Mortgage. Back in XXXX of XXXX, my family and I experience financial hardship due to a XXXX emergency that I had. I applied originally for loss mitigation back in XXXX of XXXX. My application was approved on XX/XX/XXXX. I reached out on XX/XX/XXXX inquiring of next steps as I did not receive what the approved meant. I was informed after that time that a XXXX letter was sent to my home for review and signature, I never received the letter. From this point I will outline below the call dates and communication I received : XX/XX/XXXX Cross Country Mortgage representative stated I had to pay XXXX, XXXX, and XXXX over {$4200.00} per month. I questioned why I did not receive information and she was not able to explain. Stated would reach out to supervisor.
XX/XX/XXXX I called again ; Cross Country Mortgage representative answered- call failed Called back and Cross Country Mortgage representative investigated the file and provided same detail as above, I advised the representative that I could not afford that amount each month, that I was able to make my monthly payments. Cross Country Mortgage representative was extremely helpful and stated he would speak with his manager in the collections department and work with loss mitigation team. He stated he saw my account was placed in Forbearance until XXXX, but system was still showing past due payments. Stated he was not sure what was happening but would ask the supervisor to reach out to me.
XX/XX/XXXX I called again, as I was not called by the supervisor. Spoke with Cross Country Mortgage representative she asked for me to call in a few days to be able to connect with the loss mitigation specialist. Stated needed supervisor to weigh in as next steps.
XX/XX/XXXX Called again, spoke with Cross Country Mortgage representative, stated will escalate to specialist again via email to reach to be. At this point I began making regular payment. Was informed the account was under review and continue making regular payments while they investigate this.
XX/XX/XXXX Called again spoke with Cross Country Mortgage representative, stated will again escalate concern to supervisor for review. Stated no changes in account at this time. To wait for supervisor to reach out to me regarding next steps Gap in dates is I expected I would receive a call as advised but also the account needing review. My notes on calls between XXXX and XXXX are unfortunately lost.
XX/XX/XXXX Called again for update spoke with Cross Country Mortgage representative - at this point I have not heard form any supervisor and was concerned as I noticed my credit report showed late payments since XXXX. Representative stated to be able to do short term deferment until this is resolved. Stated will place this in deferent and spoke with supervisor on this initials were XXXX. to be able to pay the remaining balance over an XXXX period, advised to call back in a few days for follow up.
XX/XX/XXXX Cross Country Mortgage representative stated email was sent on Tuesday to loss mid team for review as advised previously but no updates as of yet. Advised to call back. Questioned why my credit was reported negatively, stated to reach out to the research department. Advised to provide them a written request as in why I feel my account is in correctly submitted as late.
XX/XX/XXXX Called for update again- XXXX XXXX placed on hold for XXXX min, call was disconnected.
Called back spoke with Cross Country Mortgage representative - stated no sure why I have not been contacted by a supervisor and the payments I am making today are going to a suspense account. Transferred me to Cross Country Mortgage representative in collections she stated I should have been sent to loss mitigation team.
Cross Country Mortgage representative answers, stated no update at this time. Asked me to call back after Friday for an updated. Stated I may be able to get a 6 month extension repayment and advised to ask for deferment. Stated to reapply to loss mitigation again and start process over again.
XXXX XXXX Called again was advised by Cross Country Mortgage representative to resubmit for Loss Mitigation as file is now to old. Resubmitted all documents XX/XX/XXXX via portal as outlined in the instructions. Followed up after a few days on XX/XX/XXXX was Cross Country Mortgage representative to resubmit files with most current data but via email. I resubmitted again on XX/XX/XXXX.
Called on XX/XX/XXXX to find out status of files submitted for loss mitigation, stated processor did not review file, was advised to call back in a few days. Called again on XX/XX/XXXX Cross Country Mortgage representative stated file still not reviewed and would escalate to supervisor. Also stated at this time it should have XXXX reviewed. Stated to call back in a few days for follow. Called on XX/XX/XXXX no status update, placed work order for negative credit reporting. Cross Country Mortgage representative stated will escalate file to processor supervisor, again advised to call back for update.
XX/XX/XXXX Cross Country Mortgage representative states no update, but sees 6 emails were sent for escalation, and none were addressed. Will send again to processor and not able to do anything other than escalate. Finally called on XX/XX/XXXX and no update available per Cross Country Mortgage representative. I asked for escalation and was advised a complaint will be placed.
After several attempts to obtain direction and support for loss mitigation, Cross Country Mortgage failed to provide fair and responsive contribution to a consumers requests. This has been occurring since end of XXXX and I have called numerous times to resolve with no avail. There is no accountability on this company. They have reported me to the credit bureau as late payments every month this year, even though payments were made. This is an unjust culture
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| 08/15/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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On or about XX/XX/2023, I applied for mortgage assistance with Cross Country Mortgage LLC, the lender/servicer of my First Time Homebuyers ( FHA ) mortgage loan, and with the state of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX program. As of XX/XX/2023, I have not received any information from Cross Country Mortgage LLC as to the status of my request for mortgage relief and/or assistance. XXXX XXXX has noted that the application is " under review ''. Cross Country Mortgage has violated my federally protected rights under the Dodd Frank Act, FDCRA which states in part that a debt collector may not " Make telephone calls without properly identifying oneself, except as allowed to obtain location information. '' They also violated my rights under California state law as a resident and consumer under California wire tapping laws, consumer protection laws, and XXXX. On XX/XX/2023 at XXXX XXXX, and XX/XX/2023 at XXXX, XXXX XXXX, a " Private Number '' registered on my phone. When I answered the call, the person stated that they were calling from Cross Country Mortgage and was recording the call. I am located in a XXXX party state for call recording so I stated that I would record the call as well. To which the person stated that while Cross Country records calls on their end, if I recorded the call, she would not continue the call. I stated California 's state law for 2 party consent to recording and informed her that she did not ask for my consent but TOLD me she was recording but I would exercise my right to record accordingly. She stated that it was against Cross Country mortgage 's policy for them to be recorded contradicting her first assertion that Cross Country was recording the call already even though I had not expressed consent. I was able to record this interaction and have the call logs as proof/evidence of how Cross Country called me without properly identifying themselves, as prior communication with Cross Country evidenced their business name on the caller identifier log thus Cross Country has the ability to ensure that their company name is shown on the call identifier .Since they hid their name in regards to contacting me to collect an alleged debt, they engaged in deceptive practices according to FDCPA and the Dodd Frank Act and UDAAP, just to name a few. On XX/XX/2023, a representative and/or employee of Cross Country Mortgage LLC put a conspicuous colored door tag on my door in an attempt to embarrass, or otherwise defame my character as it was viewable by passerbyers and my neighbors who are aware of what that door tag color represents. Since I am not in default of the alleged mortgage, Cross Country Mortgage violated me and caused harm and damage to my reputation in my community.
Cross Country Mortgage LLC further engaged in deceptive practices as it has yet to act on my request for loan mitigation and/or modification assistance dating back to XX/XX/2023. Cross Country Mortgage LLC further engages in deceptive practices by failing to provide ALL of the disclosures that I should have received at the mortgage closing. Cross Country Mortgage LLC further engages in deceptive practices by failing to inform me and show me the physical check and/or payment that was received on my behalf for payment in full of the property described in Exhibit A of the Note and the Deed of Trust for the property, and delivered to the Seller, XXXX XXXX XXXX I have sent multiple emails to Cross Country Mortgage XXXX requesting ALL documents relating to the purchase of the property for which they are the alleged " Lender '' and I am named " Borrower ''. In none of the documentation sent to me, is the actual evidence of a payment made to XXXX XXXX, or other legal representative for the Seller, in satisfaction of the total cost of property evidenced by an actual payment made via electronic funds transfer, physical bank check, or other certified funds. Cross Country Mortgage LLC further engages in deceptive practices by not disclosing that once the note and mortgage were separated, the alleged loan/mortgage is defaulted according to Banking and Finance laws . Cross Country Mortgage further engages in deceptive practices by ignoring my written communications to XXXX XXXX XXXX, XXXX requesting that Cross Country Mortgage LLC remit to me both the legal and equitable interest that has been earned on the note and any other commercial paper that Cross Country Mortgage LLC used to securitize and transfer the securities, bundling and pooling it in a mortgage pool, selling on the primary and/or secondary markets, thus earning more than enough to apply to the principal balance but profiting off it instead. This process was not disclosed to me, thus I was never provided the opportunity to make an informed decision as a consumer to be part of the investment even though my application and credit was used by Cross Country Mortgage LLC for them to be able to participate in the security transactions. ( A financial forensic audit of the mortgage account will reveal and evidence these statements. ) This is in violation of the Securities Exchange Act, and other violations set forth by the FTC, SEC, FINRA, Federal Reserve Act, and FDIC just to name a few. Because of these violations, it is very possible that Cross Country Mortgage LLC is under reporting their tax liabilities with the IRS.
Cross Country Mortgage LLC further violates my federally protected rights under FCRA and FDCPA by failing to report an accurate principal balance amount to the credit reporting agencies ; including but not limited to, XXXX, XXXX, and XXXX. The balance that they continue to report is missing the CENTS amount AND is in excess of what is listed on statements from Cross Country Mortgage LLC ( See Attachments ). The dollars and cents must be reported accurately so that it does not violate FCRA, FDCPA, UDAAP, CA consumer protection laws, and 15 USC 1681e, just to name a few.
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| 10/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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... On or about XX/XX/2022 ; CrossCountry Mortgage company proceeded my credit score without giving the HELOC or REFI as promised over the phone with one of their mortgage officers on a recorded line ....
The Loan officer told me they would email me the REFI and HELOC offers ....
it has been over a week, and they still have NOT given me any offers what-so-ever ; and the reason for this complaint, as I just became aware yesterday that they did check my credit score, and thus causing my credit score to be adversely affected by their inquiry ( ies ) without providing my estimated loan is absurb and just rude business practices ... as they told me they would email me such offers that following day ( Tuesday XXXXXXXX XXXX XXXX ).
I emailed them and they do not reply. Below are those two emails.
Re : Complete Your Loan Online. Save Time & Money From XXXX XXXX XXXX XX/XX/2022 XXXX XXXX To CrossCountry Mortgage did you really lie to me?
not ok you need to give me offer NOW!!!
The recorded phone said you would email me the amount ... and not an application to apply -- where you already told me you were going adverserly affect my credit score when I gave you my SS # on a recorded line-- yes... .My XXXX is so XXXX... last check was XXXX -- please take me to court ....
I am suing you in California court if you mess with my cs... .credit score you may have hired incompetent people to work for you ... ; please review the phone call yesterday.
thank you.
XXXX paid over {$2500.00} and a class action of not less than XXXX ....
you're in trouble if you mess with my credit after offering me nothing and taking my SS # and not giving me my offer as promised is a XXXX crime!!
On XX/XX/2022 XXXXXXXX XXXX CrossCountry Mortgage XXXX wrote : XXXX, We make your life easy! If you don't have time to talk or it is just bad timing, you can fast-track your loan approval process by completing your loan inquiry all online.
Our technology can get you one step closer to your cash. Whether you need to access your home 's equity with a HELOC, XXXX ( fixed HELOC ), Cash-Out Refinance, or a Pre-Approval for your next home, you can get started entirely online. We give you access to your loan quotes, documents, & applications directly from your phone or computer.
Easy To Get Started Create a user name and password.
Answer some simple questions.
Let our software process your loan request.
Once your loan request is processed, your loan scenarios will be accessible through our secure portal.
Calculate My Payment Start Your Loan Online & Get a {$500.00} Credit Towards Your Appraisal Cost CrossCountry Mortgage XXXXRated Lender in US D XXXX XXXX ) XXXX XXXX https : XXXX XXXX XXXXXXXX XXXX XXXX CrossCountry Mortgage, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX XXXX XXXX Branch XXXX Company XXXX NOTICE : The information contained in this communication is confidential and/or legally privileged. It is intended only for the use of the individual or entity named above. If you are not the intended recipient, be aware that any disclosure, copying, distribution or use of this information is strictly prohibited. If you have received this electronic mail transmission in error, please destroy the original communication, delete it from your system without copying or forwarding it, and notify us by telephone at XXXX.
If you'd like to unsubscribe and stop receiving these emails click here.
Top-Rated Lender in America With Over 17,000 Five-Star Reviews on XXXX Disclaimer : XXXXCrossCountry Mortgage, LLC can not guarantee the closing of any loan. Appraisal Cost Credit is a lender credit made to the consmer on their settlement statement. Apparisal credit is only available for loans funded by CrossCountry Mortgage, LLC that require appraisals. All loans are subject to underwriting approval. Certain restrictions apply. Call for details. This is not a commitment to lend. **CrossCountry Mortgage can not guarantee that a closing will happen within a certain time frame. CrossCountry Mortgage, LLC is an Equal Housing Lender. XXXX XXXX. XXXX XXXX XXXX, XXXX, OH XXXX... ....
SECOND EMAIL XXXX XXXX XXXX XXXX XXXX Re : Complete Your Loan Online. Save Time & Money To CrossCountry Mortgage XXXX TO WHOM IT MAY CONCERN, Since XX/XX/2022 ; it would appear to be True that you violated Credit Score LAWS when running my credit and failing to tell me what my HELOC or Refil would be, when discussing this matter with your, XXXX XXXX, they failed to beling in doing anything 'Wrong ''.
It is against the law to conduct business in the California without giving me my estimates ... and it has been over a week since taking my credit score and showing you have placed an inquiry against my credit,,, and never gave me my refi/ or heloc estimate ( s ) ....
you've broken the law and have been documented as such.
you are hereby ordered to halt all business within the state of California until further notice -- if you continue to do business after already been notified of your faulty business practices this too will be held against you.
Sincerely, XXXX XXXX XXXX XXXX : FTC ; SEC ; FHA : DOJ *** Please stop them from destroying people 's credit when I was promised an estimate and why I said I agreed to the running of my credit score -- except CrossCountry did not provide me my loan offers for cash out refi or heloc...
Please help stop this bad bad business in the US as they are in all states doing business without giving everyone their estimates and adversely affecting their credit scores ....
CC : DOJ ; FTC
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| 03/09/2020 |
Yes |
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Web |
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On XX/XX/XXXX at XXXX, I was searching for a home on XXXX on my phone through the XXXX app.
I expressed interest on a showing of a home XXXX XXXX, XXXX XXXX, NV. I was contacted by a realtor named XXXX XXXX from XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV XXXX. She scheduled a showing for me with XXXX XXXX, another realtor with XXXX XXXX XXXX, for XXXX on Saturday, XX/XX/XXXX. XXXX showed me that home and others. XXXX XXXX recommended me to her lender XXXX XXXX to get a pre-approval.
I met with XXXX XXXX from Cross Country Mortgage on XX/XX/XXXX at XXXX. When I met with XXXX, I brought the financial information she requested : A copy of my ID, my 2 most recent paystubs, my last two years tax returns, and my 2 last bank statements. When I spoke to XXXX she asked me about my expenses including any car payments. I told her I did have a lease on my car for which I paid {$350.00} a month. XXXX ran my credit and said my score was XXXX and that I qualified for a mortgage loan with the Home is Possible Program. XXXX XXXX said that I would need 3.5 % down payment. It was discussed that my mom would provide gift funds toward the deposit. XXXX XXXX pre-approved me and offered me several scenarios. If I purchased a home for {$220000.00} vs {$200000.00}. The realtors XXXX and XXXX from XXXX XXXX XXXX continued to show me homes within that price range. On Sunday, XX/XX/XXXX, XXXX showed me the home I would place an offer on : XXXX XXXX XXXX, XXXX XXXX, NV XXXX at XXXX. I was persuaded and pressured by realtor XXXX XXXX to place an offer immediately on this home. The offer was placed on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX, realtor with XXXX XXXX, put a lot of pressure on my mother, XXXX XXXX XXXX, and I to transfer a {$2000.00} Earnest Money Deposit by electric wire through XXXX XXXX. On XX/XX/XXXX, my mother went to the bank and transferred {$2000.00} gift Earnest Money Deposit to the account XXXX XXXX gave her. On XX/XX/XXXX at XXXX, an inspection was performed on the property XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX which my mom paid {$250.00} for. On XX/XX/XXXX my mother also paid {$550.00} for an appraisal of XXXX XXXX XXXX, XXXX XXXX, NV XXXX. On XX/XX/XXXX, I was told that I needed an extension of the closing date to XX/XX/XXXX. XXXX XXXX, the lender, had failed to accurately portray on the loan application my employment gap and this caused a delay in the whole closing process. On XX/XX/XXXX, XXXX XXXX pressured me to sign an addendum to the residential purchase agreement that released my earnest money deposit, {$2000.00}, to the seller. I was told on XX/XX/XXXX that escrow would close on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX contacted me to tell me that the loan wasn't approved but I could qualify for the $ XXXX/10 % grant program and wanted to run my credit again. I told her that her dishonesty had caused me and my family a lot of stress and pain and that I was not willing to work with her anymore. I am filing this complaint against XXXX XXXX, the realtor with XXXX and XXXX, XXXX XXXX, another realtor with XXXX and XXXX, as well as XXXX XXXX, the lender with Cross Country Mortgage, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX. XXXX was very pushy and manipulative from the very beginning and didn't protect me from losing my earnest money deposit of {$2000.00} which was gifted to me by my mother, XXXX XXXX XXXX. XXXX XXXX, XXXX 's lender, gave me a false pre-approval for a home mortgage loan. My credit score was never high enough to qualify for any home mortgage loan. Both XXXX and XXXX wasted my time, gave me false hope of home ownership, caused a lot of grief and chaos to me and my family, and cost me my earnest money deposit of {$2000.00} which was a gift from my mother, XXXX XXXX XXXX. My mother also paid the {$550.00} Appraisal Fee, and {$250.00} home inspection fee. In total they caused me and my mother to lose {$2800.00}. In addition to losing {$2800.00}, I had to find another place to live because I had to move out of the apartment I was living at because they told me to give a 30-day notice to vacate. I initially gave a 30-day notice in XXXX for move-out on XX/XX/XXXX because that is when the escrow was supposed to close which was what XXXX XXXX had promised. Then I had to ask for another extension to move out to XX/XX/XXXX, and finally another extension to move out on XX/XX/XXXX. My manager said he could not extend the move out any longer. I had to move out and find a place to live by the end of XX/XX/XXXX. So both me and my family were in a panic trying to find a new apartment and move all of our belongings. Not only did we lose {$2800.00}, but we had to pay for a new apartment and had to spend more money in moving costs. XXXX, XXXX, and XXXX 's greediness also cost a strained relationship with me and my mother because my mom had gifted me the {$2000.00} + {$550.00} Appraisal fee + {$250.00} home inspection fee. They caused my mother financial hardship as well as she is senior and not working. XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), and XXXX XXXX NMLSXXXX are greedy, soulless people, who caused a lot of stress and pain to my family. They did not protect me, my family or my assets. They pushed, manipulated, and lied to me and cost me not just money, but time and they caused a lot of hardship and stress for me and family. I want them to pay my mother the {$2800.00} back that they cost her plus my moving costs and restitution for the time and hardship they caused me and my family.
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| 10/06/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
- Trying to communicate with the company to fix an issue with the application process
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Web |
Servicemember |
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XXXX XXXX and I did a loan application with cross country mortgage. After completing the loan application using their online portal on or sometime around XX/XX/2023. After completing the initial application a Gentleman named XXXX XXXX who operates as the XXXX Branch Manger, and a gentleman named XXXX who works as the assistant to XXXX contacted me. XXXX stated that I was Pre approved for the loan that XXXX XXXX and I requested for the amount of {$650000.00}. XXXX XXXX then asked me if I had an agent that was representing and assisting me with home buying process. I responded no. XXXX XXXX then told me that he knows a XXXX guy named XXXX XXXX who works with XXXX XXXX XXXX XXXX. XXXX called my phone Because XXXX XXXX gave him my number and when I spoke to XXXX he insured me I was in good hands and initially Vouched for XXXX XXXX. XXXX and I entered into a contract and he became my agent assisting me with the purchase of the home. XXXX asked me what was the home address that I was interested in. I provided him the address XXXX XXXX XXXX XXXX XXXX Texas XXXX. XXXX contacted the sellers agent whos name is XXXX XXXX. XXXX explained to XXXX that in order for the process to begin XXXX XXXX would need a pre approval letter. XXXX reached out to XXXX and XXXX reached out to XXXX XXXX a sales assistance with cross country mortgage who works for cross country mortgage and immediately provided a pre approval letter. This pre approval was given to XXXX and XXXX provided it to XXXX which then gave XXXX XXXX and XXXX XXXX who are both veterans using the Va loan grounds to enter into a legal and binding contract with intent to buy the home with XXXX. The pre approval letter was provided XXXX XX/XX/2023. We then entered into a purchase agreement with the seller and sellers agent with a expected closing date of no later than XXXX XX/XX/2023. The date came and went with no closing. Then my agent contacted me and said we needed to extend so the new closing date became XXXX XX/XX/2023. That date came and went with no closing. Then XXXX contacted me and said hey XXXX, XXXX XXXX want to go back under contract because he feels like something is sketchy and maybe you dont qualify for the home. I then told XXXX I have a pre approval letter how is it possible that XXXX thinks I dont qualify. XXXX then told me man I dont know its weird that we havent closed on the home yet. XXXX then says let me contact XXXX and see whats going on. A few days later XXXX tells me hey XXXX XXXX said that we are waiting on your credit scores to come up. I then contact XXXX and ask him if we are waiting on scores to come up and XXXX says yes. I then ask XXXX then why did I get a pre approval letter if I truly didnt initially qualify. I explained to XXXX that hes opened me up to financial damages and looses due process to his intentional desire to give me a premature, bogus and fake pre approval letter. XXXX didnt have a direct answer to the statement instead he bounced around it and said yes we just need to work on your scores. I then contacted XXXX to ask him whats going on hoping he had better answer he then also told me that he wasnt able to work my file till my scores came up. I also asked him why was I given a fake pre approval and explained to him Im now in a contract and have already paid {$7600.00} to a title company with the sellers agent and my whole initial pre approval was fake. Then XXXX tells me we will close on XX/XX/2023. XX/XX/XXXX came and went and still no closed home no funded home. Then XXXX sends me a message on Friday XX/XX/XXXX via text message and tells me we will close next Friday which would be XX/XX/XXXX. The very next day XX/XX/XXXX I received via email a new closing date which was not XX/XX/XXXX. Instead the new closing date stated XX/XX/XXXX and it came from another CrossCountry representative named XXXX XXXX works as the senior loan processor. After XX/XX/2023 came and went there was still no closing and no funded loan. XXXX XXXX then contacted XXXX via phone and XXXX said he now doesnt have a closing date. So in a nut shell we went from a fake approval letter with many different closing dates to now we have no closing date. The initial fake approval letter has exposed us to harm, damages and losses. I contacted XXXX and told Him we would be in Texas for closing and he said ok. We wasted another nearly XXXX $ on a 4 day trip all because these representatives of cross country mortgage started with a fake initial approval letter. Had that not happen the rest of the chain of events would not of happened.
Further notes : XXXX has informed me that his last 2 deals with XXXX and XXXX did not go through.
Notes : XXXX and XXXX are brothers Notes : XXXX gave XXXX my number and contacted me and was told to represent me.
This was a joint Va loan. Both XXXX XXXX service Members XXXX XXXX Originating Branch Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX badge 0 badge 3 CrossCountry Mortgage, XXXX XXXX XXXX XXXX XXXX, TX XXXX Personal XXXX Branch XXXX Company XXXX XXXX Assistant CrossCountry Mortgage XXXX P : XXXX XXXX XXXX Senior Loan Processor D XXXX F XXXX XXXX XXXX CrossCountry Mortgage, XXXX XXXX XXXX XXXX XXXX, TX XXXX Branch XXXX Company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Source : XXXX XXXX XXXX, XXXX # : XXXX XXXX XXXX Sales Assistant XXXX XXXX F XXXX XXXX XXXX CrossCountry Mortgage, XXXX XXXX XXXX XXXX XXXX, TX XXXX Branch XXXX Company XXXX
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| 12/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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NOTE : I am submitting this complaint on behalf of ; XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Cell # ( XXXX ) XXXX- XXXX XX/XX/XXXX, I started working with XXXX XXXX att to get my Loan Refinanced at this Company I 've listed below.
CrossCountry Mortgage, Inc.
XXXX XXXX XXXX, XXXX, OH XXXX NMLSXXXX | XXXX Toll-Free : XXXX Office : XXXX Fax : XXXX XX/XX/XXXX I started working with Cross Country Mortgage 's Representative by the name of XXXX XXXX . We were both in constant contact for several months. There were a few issues that arose during this process. One was that I had to make an Amendment to my Taxes for the past two ( 2 ) years. XXXX told me I had to show him my XXXX. This was the condition required in order to 'Approve ' my Refinance Loan.They wanted to see proof of my Equity I had built up in my XXXX Plan.
I was sent several Loan Agreements and Stipulations to SIGN, and I did sign them and returned them all to XXXX XXXX in a timely manner. XXXX told me my Loan was indeed being Processed now. During our conversations, XXXX advised me that 'if I paid my debts down ', I would benefit because my Credit Scores would go up. In turn my interest rates would be much better, thus saving me lots of money in the long run. I immediately started to use some of my money I had saved up for my XXXX and paid off my debts as XXXX XXXX had suggested.
Occasionally I would call and check in to get a Status of my Loan because I had not gotten any responses at all from anyone at Cross Country Mortgage.
More time goes by, in fact, it 's been months that went by and still no documents regarding my Refinance Loan. I was under the impression that I had compiled 100 % with Cross Country Mortgage 's Protocol and all their requirements were all met several months ago. I was told that my Loan was indeed going to happen. All MY efforts in getting everything that was needed in a timely manner while working two jobs and taking care of my family now seemed like a slap in the face to me. So now, I am upset because of the lack of feedback and following through in regards to my new refi-loan which seemed to be pending. Perhaps it was at the Underwriters or surely on their way to me to formally finalize the process and the existing loan I had was already taken care of.
After doing all the exhausting running around I had to do. I 'm a mother of XXXX and my husband is XXXX 100 %, I have two jobs, so it was extremely tough for me to do all that running around. I made time and put efforts into being a team player with XXXX to accomplish the objective.
I 'm furious. getting everything they requested, I now find out they dropped the ball. We are talking from XXXX all the way to XXXX.
I used some of my XXXX money to pay down my debts as I had to pay for the first appraisal of my Property, so I 'm out this money, {$450.00} once AGAIN. Now seven months later I had to start the loan process all over again and get a second ( 2 ) Appraisal on my home at my expense?? I 'm not the one who failed here, they dropped the ball.
My car was broken into and they took all my documentation I had along with my purse and wallet that contained my identity, XXXX, and Credit Cards as well.
The thief who broke into my car used one of my Credit Cards and maxed it out for {$400.00} limit it had on it. In order to resolve this mess, I had to have a written Police report regarding the events that took place. I contacted the Credit data collecting companies. I have to wait another 60 days to have removed from my Credit Data Records on XXXX, XXXX, and the XXXX.
In XXXX, XXXX XXXX tells me that they did n't Process my loan at all. What?? He lied to me all these months or he was as oblivious as I was about my Loan Status and additional information.
On XX/XX/XXXX, I got an email from XXXX XXXX telling me that he was XXXX XXXX 's direct manager. He said he recalls working on my loan a few months back and that he will check status on it and get back to me. It was on this day that I found out XXXX XXXX is no longer employed by Cross Country Mortgage.
After talking with XXXX the last time, it was pretty much a done deal.
I was finally happy knowing that finally my loan was re-entered and I had qualified as of this last day XXXX and I spoke.
On XX/XX/XXXX, I was told that I did not qualify for the loan. Now, we are talking 8 months here. It 's almost a year.
I am somewhat skeptical about the process that took place at XXXX.
I want to know the reasons why I was denied?
The reason I say THIS is because I ALREADY have " signed '' documents that show the entire scope of my Loan, even the payments amounts per month, interest rates and stipulations which I had signed and agreed to ALREADY.
What were the factors or issues in my data collected and contain?.
I was treated with little regards to the many obstacles I had to go through to give them what was needed. Right now, I 'm not enjoying this ugly feeling misery brings of failing that XXXX gave me by now telling me I was denied when I already signed approval doc.s.
I wish THEY would appeal their decision. Perhaps these factors of my denial ( if indeed they exist ) may stack up in my favor. I was approved once before. What changed?? hahaha.
I honestly would like my loan audited CFPB can help me with here.
I wish XXXX would step up to the plate and approve me. I am an asset, not a liability.
Thank You, XXXX XXXX
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| 06/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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CrossCountry Mortgage, LLC XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX Branch XXXX Company XXXX CrossCountry review The Winters team ( XXXX and XXXX XXXX at CrossCountry we're kind and helpful. The Loan Officer, XXXX XXXX was NOT. He was very curt and rude and would not take time to explain things or answer our questions. Instead, he would hurriedly spout off lender jargon that left us scurrying to XXXX for definitions. He threatened us that the seller would back out of the contract when we shopped around for lenders to compare Loan estimates. Then, he told us that a loan with zero points was not available. He quoted the current % rate at 5.75 and sold us 2 points which brought it down to 4.95? When we questioned his math, he said that the actual interest rate for that day was 6.95. When we lost all trust in him and were ready to go with another lender, he could, all of the sudden, deduct his {$990.00} Underwriting fees. We felt like we were contractually obligated because he pushed to lock in our rate and had expedited the Appraisal. So, we reluctantly stayed with him.
The final Closing Disclosure, nor the XXXX, were provided to us in advance of the Closing. The first Closing Disclosure on Friday prior to the closing on Tuesday, did not reflect our Deposit. We had them correct that. Then, they had credited us for paying a a part of the Appraisal prior to closing. I was honest and had them correct that. Each time they corrected or changed the Closing Disclosure, we had to sign a form that stated what the correction was and how much. As instructed by our Realtor, I had contacted my bank to arrange the wire transfer for closing costs. My bank told me that they would need the exact amount and account to which the wire was going by XXXX XXXX on Monday in order to ensure that the money would be there in time for the XXXX XXXX closing the following day. I shared this information with Cross Country. They said that we should have the final Closing Disclosure by close of business Friday evening. We did not. We heard nothing Monday morning. By XXXX I was getting nervous and emailed them reminding them that our bank needed to know by XXXX XXXXm. They said that they were working on it. Finally, our realtor instructed us to wire a rough estimate rounded up from the last Closing Disclosure stating that they would pay us back at closing if it was too much. Even though we had reservations, feeling as if we were giving them permission to go that high, we wired the funds. The Loan Officer emailed us and our realtor asking if the funds had been wired, and if so, how much. I responded, " Yes, but still have not received a final Closing Disclosure or clear to close. '' Our realtor disclosed the amount of the wire to the loan officer.
We heard nothing Monday. We left early Tuesday morning for the final walkthrough with our realtor prior to closing. In desperation, I checked our Cross Country portal just before our realtor arrived for final walkthrough, and the final Closing Disclosure had been posted, but we had not been notified that it was posted. I quickly glanced at the total closing costs and was shocked to see that they had increased over {$900.00}. We had not been notified that it had been posted on our portal, nor, interestingly enough, did we receive a notice to sign a form acknowledging that we had been notified of the changes.
Our realtor received the XXXX Truth-in-lending statement the morning of closing and emailed it to us after we had left to come for closing. Unfortunately, we were unable to review the final Closing Disclosure or XXXX prior to closing. When I tried to quickly compare to the previous disclosure, I asked if they could show me where the additional costs were incurred. The closing officer said it was due to the school tax rate not being released yet for the upcoming year and since the Cross Country corporate office and our Loan Officer were out of state, they had required 1.5 of a full year 's property taxes collected for escrow, but that we would probably get some refunded. No guarantee, and no idea when or how much the refund might be.
Later, when I was able to examine the Closing Disclosure and XXXX, I found that 2 months of Property taxes had been charged to escrow originally, and then XXXX months had been charged in the adjusted costs. Did Cross Country not realize that they were out of state when they quoted the taxes in the Loan Estimate or especially on the Closing Disclosure???
For these reasons, I am giving CrossCountry Mortgage a very poor rating and am filing a complaint with the Consumer Finance Protection Bureau siting the above grievances and requesting the following compensation : Requesting that the interest rate be adjusted to the true 2 points below the government reported interest rate for the date in question on XX/XX/XXXX when our rates locked in : XXXX XXXX.
Requesting that we be refunded the {$950.00} additional funds paid at closing that were not disclosed prior to closing which were explained as an estimated full year of school taxes that the head office of Cross Country were requiring because we, the borrowers, were out of state.
Requesting that a hold be placed on CrossCountry mortgage to prevent and halt the dumping of our loan until this matter has been settled to the satisfaction of all parties.
Sincerely, XXXX XXXX and XXXX XXXX XXXX
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| 01/11/2023 |
Yes |
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- Struggling to pay mortgage
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I purchased my home with Cross Country mortgage as my lender in XX/XX/XXXX. Around XX/XX/XXXX I started to experience some unexpected financial issues. In XX/XX/XXXX I applied for a mortgage forbearance. Throughout this time the company requested documents from me and I uploaded all requested documents. In XX/XX/XXXX the forbearance ended and I started the process to receive mortgage assistance through XXXX XXXX XXXX XXXX XX/XX/XXXX I submitted a loss mitigation packet along with required documentation. This process of uploading documentation also resubmitting another packet per their request went on until XX/XX/XXXX. XX/XX/XXXX I received a XXXX XXXX XXXX confirming that all documents and packets have been received and completed.
XX/XX/XXXX I received a XXXX FHA XXXX XXXX Trial Offer Notice from mortgage agent XXXX XXXX via email stating that I would be placed on trial period payments of {$1600.00} from XXXX XXXX XXXX, which all payments had to be sent by mail. It also stated that upon completion of the trial payments my loan would be reviewed for modification. I accepted the offer XX/XX/XXXX and the first trial payment was sent XX/XX/XXXX for the XXXX payment. The next payment was sent XX/XX/XXXX for XXXX payment it was a partial payment then another payment for the remaining sent XX/XX/XXXX. XX/XX/XXXX I sent the final payment for XXXX. XX/XX/XXXX I called to XXXX XXXX to speak to my mortgage agent and follow up on the next steps in the process but she wasnt available. I even sent an email to her letting her know I had called and requesting a phone call or response back about the next steps in the process.
XX/XX/XXXX I received a phone call from agent XXXX she mentioned my past due balance and I made her aware that I had completed my trial payments and was seeking answers on the next steps of the process. She mentioned that my trial payment offer of {$1300.00} ended XX/XX/XXXX due to only XXXX payment being received. I informed her that my trial payment was for {$1600.00} and that I sent all payments in via XXXX mail and that I had proof of such. She then mentioned that there were XXXX different trial payment offers on the system for me and she was confused. I informed her that I had never received the one for {$1300.00} and was never informed that I was removed from the trial payment program that this was my first time hearing any of this. She advised me to submit the proof of payments via the portal as well as email. As she advised I provided proof of payment documentation via email, uploaded to the portal as well as XXXX certified mail.
I called for weeks getting the runaround and constantly repeating my story And received no assistance just the same response Are you calling today to take care of the delinquency on your account?. XX/XX/XXXX I called in to get an update on everything I had completed in regards to the trial offer and the proof of payments and was advised by a mortgage agent to restart my loss mitigation process all over. I did as advised and uploaded a new packet that day. XX/XX/XXXX I received a missing documents letter, and on XX/XX/XXXX I sent a letter of explanation regarding the missing documents and documents already uploaded per my last packet that was completed. XX/XX/XXXX I uploaded all requested documents, XX/XX/XXXX I received a letter stating there were missing documents. XX/XX/XXXX I uploaded all requested documents, XX/XX/XXXX I received a letter stating that there were documents missing these documents that was claimed to be missing were the same exact documents I already uploaded.
XX/XX/XXXX I called in to speak to my mortgage agent XXXX XXXX but she was unavailable, I requested a Supervisor but unfortunately XXXX was not available and I was assured that a message would be left with both the agent and Supervisor to return a call to me. XX/XX/XXXX I called to speak to someone as I had not received a phone back from either my agent or a XXXX. The agent who I spoke to informed me that my account was placed in Foreclosure, I informed her that I was not made aware of this by phone, email or in writing and that I didnt understand the process of loss mitigation because I have done everything that was asked for me. She researched my account t and had discovered that the document that was stated as missing was received, she reached out to a XXXX for further guidance. The XXXX advised her to have me send I another letter of explanation this time pertaining to my divorce process, a Separation agreement if XXXX was available as well as the XXXX Deed filed to remove my Husbands name from property. Although all of these documents have been uploaded before I went ahead and did as requested. As of today XX/XX/XXXX I have not received a phone call, email or letter stating that documents have been received. I placed a phone call to them to confirm receipt today and was told by a mortgage agent that I would receive a phone call once documents have been reviewed and that the Foreclosure process would be stopped.
The issue here is lack of communication, insufficient information and blatant disregard despite all my offers. As much as I have been trying to get assistance and for so long there is no reason the account should have been sent to foreclosure. Please advise me on what needs to be done so that I can move forward.
Thank you, XXXX XXXX
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| 05/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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To Whom It May Concern : I write to let you know about the absolutely terrible experience I had with Cross County Mortgage, LLC earlier this year. The company relied on a grossly incompetent and verifiably false appraisal in denying me a mortgage. Even after I pointed out the many basic, fundamental flaws in the appraisal, the company still relied upon it in denying my mortgage refinance. Additionally, Cross County Mortgage has shown to be deceptive in their communications with me with consistently shifting and illogical explanations for why they continued to deny the loan. The experience has cost me in time and money, in that I did not refinance with another lender while I was engaged in a multi-month process with this company.
The mortgage loan officer I worked with is XXXX XXXX ( NMLS ID # XXXX ). I had originally completed the application for a loan on XX/XX/2020 with Cross County Mortgage ( via a referral from XXXX ), as they provided an attractive rate of 2.875 % for a 30-year fixed-rate mortgage with low closing costs. I immediately provided all the documents necessary for pre-approval. XXXX then scheduled the two required appraisals. The first appraiser ( XXXX XXXX ) visited on XX/XX/2020 and the second ( XXXX XXXX ) visited shorty after that.
A few facts about the building I live in : it contains three dwelling units on each of three levels and also contains a finished, permitted two-bedroom apartment in the basement that is rented out and is legally considered part of my unit ( XXXX XXXX ). It is not considered an accessory dwelling unit or a fourth unit.
The appraisal done by XXXX XXXX is fundamentally flawed and doesn't meet minimum professional standards. On the day Mr. XXXX visited for his appraisal, he told me that he had 10 appraisal appointments that day, and he was in the building for approximately 40 minutes total. He asked me to provide floor plans because he didnt have time to measure anything himself. His visit redefined the word rushed.
Here are some of the facts that were incorrect in his appraisal : A hugely incorrect floor plan. The three-unit building I live in has approximately 5164 sq ft of total living area and 1650 sq ft of non-living area, for a gross building area of 6815 sq ft. Thew first appraisal got this right. Mr. XXXX got it massively wrong and his sketch of the first floor space omits about half the space, and his *gross* building area comes to 4,749 sq ft total. This is a significant difference -- 30 % of the building disappears from his analysis.
Incorrect zoning. Mr. XXXX lists the zoning as XXXX and states 3 units per lot in his appraisal. That is wrongthe zoning is RTO-Mission with no density limit. Here is the actual restriction on density for RTO-Mission : " No density limit. Density is regulated by the permitted height and bulk, and required setbacks, exposure, and open space of each parcel, along with Residential Design Guidelines. '' The city guidelines state that the character of the District is primarily of structures with three or more units of a range of sizes and types suitable for a variety of households.
Failure to list all rents received. Mr. XXXX lists the total market rent as three rentals for {$12000.00} total market value, when there are four rentable units. The first appraisal notes this and uses a ( conservative ) market rent of {$16000.00} from four rentable units. Mr. XXXX misses including the rent from an entire unit.
Failure to make any adjustment for the basement apartment. In preparing his comps, Mr. XXXX makes no mention or adjustment for the in-law unit, nor does he include that as a part of XXXX ( legally it is considered living space as a part of the XXXX unit ). That's two bedrooms, one kitchen/living room, one bath and an outdoor deck that are unaccounted for in his comps.
There are so many other errors in the appraisal that are infuriating. For example, the property is located at XXXX XXXX XXXX in XXXX XXXX, not " XXXX XXXX XXXX # XXXX ''. The third floor unit is XXXX, not XXXX, etc.
The upshot is that the valuation in Mr. XXXX appraisal came in at over a XXXX dollars less than the first appraisal. This was astounding and doesnt comport with any market surveys, and also doesnt comport with other appraisals I had completed for another refinance in 2020. I certainly understand there can be legitimate differences of opinion in valuation opinions, but the underlying facts in this report about the property are just erroneous. It's a sloppy -- and frankly, offensive -- appraisal.
However, when I pointed out these errors to XXXX XXXX and the Cross Country Mortgage team, they still relied on the appraisal. They should have disregarded it, or ordered another appraisal, but they did not. XXXX instead said that Cross Country was denying for two reasons : first, they had to rely on the lower appraisal, and second, that there was a legal Accessory Dwelling Unit in the building that prevented refinancing. Both assertions are clearly and demonstrably false, and even after I provided her with that information they refused to honor the terms of the refinance. I find this behavior astounding and troubling, and I hope they are held accountable for their shoddy underwriting standards.
Sincerely, XXXX XXXX
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| 12/01/2018 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American, Servicemember |
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Identification info : XXXX LAST 4 OF SS : XXXX On XX/XX/2018, I contracted with XXXX XXXX of XXXX, to have a house built for me in XXXX, XXXX XXXX, subject to a contingency of 60 days that specified the requirement that the mortgage would be a VA loan. I was then informed by XXXX representatives that I was REQUIRED to apply for a mortgage through their mortgage lender, XXXX and XXXX XXXX, aka Cross Country Mortgage, a husband and wife team of XXXX, XXXX, despite the fact that I had already been qualified for a VA mortgage with a different mortgage lender, XXXX XXXX XXXX XXXX. I was then told that while I didnt have to choose the XXXX mortgage, this was XXXX vetting process, since 37 % of XXXX clients fail to qualify under the contract. I wired transferred {$30000.00} to XXXX as their required down payment. I immediately investigated the XXXX organization with the BBB and on the internet discovering that the XXXX organization had extremely negative comments about their processes with a modus operandi of extreme lack of disclosure of their qualification process, extreme disregard in communication with applicants, constant changes to their terms, and extreme dereliction of preparation of legal documents. I submitted myself to their application process as required, and was qualified by XXXX for the VA loan, despite the fact that I experienced all the behavior of their staff and XXXX XXXX as was reported on the internet. Both mortgage companies required sale of my condo in Connecticut which I agreed to and had had my condo listed for sale as of XX/XX/2018 in anticipation of finding suitable housing in XXXX XXXX XXXX NEVER sent me the RESPA and I remain without a RESPA to this day, despite my consistent requests to have this sent to me, so at this point in time I have no idea what the interest rate of the loan is, I have no idea what my closing costs would be, nor was I ever able to pay for a rate lock, and I have no idea what my monthly mortgage expenses and associated housing expenses would be. My VA entitlement is {$450000.00}, yet XXXX would only approve {$420000.00} and to this day has refused to ever communicate an explanation.
Despite the fact that I have yearly income of {$91000.00}, made up of SS, pension, VA DIC, and investment income, I have over {$1.00} XXXX in liquid financial assets, thus Im eminently qualified for a full VA entitlement. XXXX originally told me they had included my investment income in determining DTI and has now changed their story on this, which increases my DTI unnecessaryily, and they have further reduced my VA entitlement to {$320000.00} without explanation.
Subsequently, since my condo has not yet been sold, I was offered the option of paying off my mortgage to which I readily agreed and have arranged for this to be done by XX/XX/2018, since closing on this XXXX home has been scheduled for XX/XX/2018. Also, I was told that I would need to take IRA withdrawals to get my DTI down, which I agreed to do, but no one at XXXX will tell me what the IRA distribution amount needs to be. No matter what I do, no matter how many XXXX people I enlist to help me with communication to XXXX, there is no communication from a XXXX XXXX XXXX owner or employee.
I didnt learn of the protections CFPB provides until mid day yesterday XX/XX/2018. When I made mention to all other parties that I would consider making a CFPB complaint, I was immediately threatened by the XXXX people, who liaise with XXXX, that no mortgage company had to give me a mortgage, despite the fact that I detrimentally relied on XXXX and XXXX to expend $ XXXX $ XXXX {$300.00} to Movement Mortgage XXXX who I am also going to lodge a complaint against, taking an IRA distribution which is 100 % against my interests tax wise, and they threatened that I had caused this situation which is 100 % untrue. I have steadfastly indicated I want to close on my new home and have taken all actions to do so. I have previously indicated to all that I would avail myself any legal protections I have, now knowing a CFPB complaint is one of these.
My XXXX XXXX as a surviving spouse does not require me to pay a funding fee, I know that mortgage companies do not make as much money on me as they do on others and it is the first thing I disclose as an applicant.
Being a XXXX XXXX and an XXXX in XXXX XXXX XXXX XXXX, I KNOW I am being discriminated against, in the areas of at least gender, XXXX persuasion, religion, diversity, XXXX and equal opportunity. I believe that XXXX XXXX XXXX mortgage is perpetuating a long standing plan of discrimination to cause me to have to refinance at some later date. It seems to me there is some collusion occurring in the XXXX XXXX and it certainly feels like old south vs XXXX.
Thank you for your time.
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| 09/26/2023 |
Yes |
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- Trouble during payment process
- Paying off the loan
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Web |
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On XX/XX/XXXX, I made a complaint to CFPB about CrossCountry Mortgage and the mortgage fraud committed against me along with other complaints. In response to that complaint, CrossCountry provided documents that revealed evidence of fraud, misrepresentation, and failure to provide full disclosures to the alleged " Borrower '', XXXX XXXX XXXX ''. Documents provided by CrossCountry Mortgage that evidenced fraud are : 1- Allonge attached to the Note, unseen by the Borrower until on or about XX/XX/XXXX, that evidences the endorsement of the Note for the loan in full, which CrossCountry presented to a bank and received such payment in full satisfaction of the alleged loan. Per the allonge ( which is an endorsement that allows for collection of a promissory note/negotiable instrument ), CrossCountry received the payment of {$580000.00} and thus the Borrower has fulfilled any and all obligations to CrossCountry Mortgage. CrossCountry endorsed the allonge to the Note " without recourse '' so that they no longer assumed any risk ( XXXX ) upon selling/securitizing/transferring the Note. This was not fully disclosed to the Borrower at any time.
2- CrossCountry did not disclose who the Noteholder is after transferring the Note upon their presentation/submission of the Note with the attached allonge.
3- CrossCountry failed to provide a copy of the alleged Security Agreement.
4- CrossCountry failed to provide copies with signature in blue ink as specifically and particularly required per the contract specifications/instructions in the Escrow/Title/Closing Agent. Closing documents and escrow documents were NOT signed in blue ink thus did not and does not meet the requirements per California and federal law.
5- Page 24 of 86 ( attached and provided by CrossCountry numbered as pages 1-86 ) show no signature by " XXXX XXXX '' thus fails the elements of a contract and " meeting of the minds ''.
XXXX XXXX XXXX of XXXX, document is absent the name of the person who the Notary signed " personally came before me... '' thus constitutes a fraud on behalf of the alleged notarial attestation in violation of California public law and commission by the California Secretary of State.
XXXX pg XXXX of XXXX reflects the purpose of the loan was for a home that was an " existing home '' ( XXXX XXXX ) is checked. However, the loan was for a new construction home. Thus, CrossCountry and/or its representatives acting on their behalf via Power of Attorney which was to be on file with the XXXX XXXX XXXX XXXX XXXX prior to engaging in this transaction, fraudulently completed the form. The Borrower did not complete this form, nor sign this form. The signature that was placed on this document is a photoshopped/superimposed signature and not authentic to the Borrower. " XXXX XXXX XXXX ''.
XXXX Of pages provided by CrossCountry Mortgage numbered XXXX ( attached ), pages XXXX are unsigned and fail to meet the elements of an enforceable contract.
9- Of pages XXXX of XXXX, the mortgage APPLICATION is signed and dated as of XX/XX/XXXX, yet on pages XXXX, the mortgage was approved on XX/XX/XXXX evidencing that the application approval CAN NOT PREDATE the mortgage application thus a fraudulent activity.
XXXX CrossCountry has increased the mortgage payment since XX/XX/XXXX in direct conflict with the Amortization Schedule provided in pages XXXX of XXXX. Thus CrossCountry has misrepresented and behaved recklessly in regards to the proper repayment of the alleged mortgage.
CrossCountry Mortgage also failed to provide all of the requested documentation in the XX/XX/XXXX complaint to CFPB. Namely, CrossCountry failed to provide : XXXX A copy of the physical check and/or confirmed wire transfer of funds for the loan that CrossCountry provided on behalf of the alleged Borrower, " XXXX XXXX XXXX XXXX XXXX showing the " Pay to/Pay to the Order of '' named person/entity, and confirmation of the person/entity that received those funds AND on whose behalf those funds were earmarked and/or the purpose of such funds.
XXXX A valid instrument evidencing CrossCountry 's current security interest in the note such as a UCC XXXX.
XXXX A full accounting after the transfer of the Note after CrossCountry placed an allonge on the Note for the full amount of the alleged loan.
XXXX All disclosures that were to be provided to the Borrower at the time of Closing.
CrossCountry has failed to report the ACCURATE mortgage balance to the credit reporting agencies ; namely XXXX, XXXX and XXXX. This has caused severe damage to my credit reputation and credit score because my debt-to-income ratio was improperly calculated thus dropping my FICO credit score and being denied credit by other credit lenders.
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| 07/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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XX/XX/2023 XXXX XXXX Loan # : XXXX Subject : Request for Restitution and Resolution of Credit Reporting Issues Attention : CFPB, Cross Country Mortgage/XXXX XXXX This case is not closed. Refer to CFPB complaints : XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX I am writing to address the recent and ongoing issues that have significantly impacted my financial stability and well-being due to the continues and unacceptable business practices, inaccurate and detrimental credit reporting practices carried out by Cross CountryXXXXXXXX XXXX Your internal operation continues to be inconsistent and your late payment report to the credit bureaus inaccurate.
Your apology, deemed sincere, does not alleviate the financial and emotional burden this is creating on me and my family.
The detrimental effects caused by the company 's inaccurate credit reporting practices have had a profound and lasting impact on my credit stability and financial well-being. The negative consequences, including the negative impact on credit score, difficulty in obtaining loans, higher interest rates, limited access to credit, strained relationships with other creditors, emotional stress, and anxiety, missed financial opportunities, and difficulty rebuilding credit, can not be ignored or downplayed.
Therefore, I am seeking restitution for the damage caused to my family 's financial stability and well-being, considering the extensive amount of time it has taken to resolve this issue and the continuing effect of your companys poor business practices.
Despite the attempt for a correction made by your company, I am deeply concerned that inaccurate reporting to the credit bureaus continues, further damaging my credit standing ( see attached ). This continuous and erroneous reporting has had a detrimental impact on my credit relationships and has resulted in significant opportunity costs for me and my family. The consequences have been devastating, leading to a setback in our overall family financial situation.
What troubles me even more is the fact that after receiving a letter from your company on XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX Department, stating that my account was current, you continued to report late payments. This inconsistency raises serious questions about the reliability and accuracy of your business practices.
Furthermore, in your current letter dated XX/XX/2023, you mention that my account was updated accordingly on XX/XX/2023, and that my loan is reflected as current.
However, I have attached credit reports that clearly show a XXXX late payment being reported, resulting in poor credit scoring.
This inconsistency raises serious questions about the reliability and accuracy of your business and credit reporting practices. To no surprise, Better Business Bureau reviews proof dissatisfaction from many other customers who are experiencing similar effects when dealing with your companies. ( See attached ) I want to emphasize that at this stage, further apologies from your company are not sufficient to remedy the effects of Cross CountryXXXX XXXX poor business practices. The damage inflicted upon my financial stability and overall well-being is substantial and can not be overlooked. I urge you to take immediate action to rectify this situation.
Therefore, I am formally requesting that you : Provide a detailed explanation for the inaccuracies in credit reporting and the reasons behind the late payment reports, despite the assurance of my account 's status in your letter dated XX/XX/2023.
Take immediate steps to correct the inaccurate credit reporting with all relevant credit bureaus and ensure that my credit history reflects the true and accurate information.
Offer restitution for the financial losses and damage incurred because of the inaccurate reporting and its impact on my credit standing and financial well-being.
I expect a prompt and thorough investigation into this matter, and I request that an XXXX XXXX handle this case to ensure a fair and timely resolution. It is imperative that you address these issues with the seriousness and urgency they deserve.
I look forward to your prompt response and a satisfactory resolution to this matter. Please understand that if no satisfactory resolution is reached, I will be compelled to explore all available legal avenues to protect my rights and seek appropriate compensation for the damage incurred.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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| 01/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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COMPANY : CROSSCOUNTRY MORTGAGE LLC XX/XX/XXXX I signed a purchase contract on a build on for a townhome for {$380000.00}. I was estimated to close on my home on XX/XX/XXXX. Due to builder delays, material shortage and labor issues from the uncertainty and lack of information on Covid 19 at the time, I was not able to close on my house until XX/XX/XXXX. During the time that it took to build my house, the real-estate market exponentially took off.
The appraisal done on my home used a newly built community called " TXXXX XXXX XXXX XXXX XXXX '' as a Comparable 1. Comparable 2, another new build, townhome community at address XXXX XXXX XXXX XXXX ( see attached appraisal for both comparable references ) was also used. Since I had signed a purchase contract for {$380000.00} at the beginning of XXXX, I had moved into my home on XXXX XXXX with equity because of the condition of the current housing market.
Friday, XX/XX/XXXX A realtor asked if I was interested in selling my home. It appeared that a new community very similar to mine had just finished being built with a very similar layout. XXXX XXXX built a community name " the XXXX '' and were selling a brand new 3 bed 3 bath townhome with coverage garage and balcony for {$590000.00} ( previous units sold with same floor plan for {$560000.00} around XX/XX/XXXX ). He said I could list mine for high XXXX 's. If you look at XXXX : XXXX you can see the same comparable ( comparable # 2 ) used in my appraisal, address XXXX XXXX XXXX XXXX is newly listed for {$570000.00} ( MLS : XXXX ).
I called my loan servicing company Crosscountry Mortgage LLC the same day and asked If I could have my PMI of {$100.00} removed since my loan to home value significantly exceeded 20 % in equity. I was told I had to wait 2 years to be considered eligible to remove my PMI and have a Broker Priced Opinion done or make a check of {$50000.00} ( Don't remember the exact number but it was XXXX and something ) towards my principle. I explained the same situation as you've read above and they told me nothing could be done.
Tuesday, XX/XX/XXXX ( morning ) I spoke with a loan officer from a different bank and asked for advice. I was recommended to refinance only if it financially benefited me without having a higher rate and made sense. She informed me of the federal law and the PMI Cancellation Act. She then suggested that I contact CFPB regarding my issue.
I spoke to a CFPB representative by the name of XXXX. She informed me that the PMI cancellation act was in fact a valid route and financial institutions needed to abide by these guidelines.
( Midday ) I called Crosscountry Mortgage LLC again trying to re-explain the situation. I explained to them that I had been in contact with another loan officer from a different company and was also in contact with CFPB. The representative put me on very long hold and returned to the line to inform me that I could pay for an appraisal out of my own pocket through Crosscountry Mortgage LLC if I wanted to get rid of my PMI ( {$100.00} ). She told me that a Broker Priced Opinion would only be valid at the two-year mark but was not considered acceptable as of now. I asked why a XXXX would only be valid at the two-year mark but not now and she said she didn't know why. She also said I could make an itemized list of improvement I've made to the home and could potentially be considered. I responded by saying that it was a new build and had no made improvements other than adding a rail to the rooftop deck. I state I would like to proceed with the appraisal and I was put on another long hold. When the representative returned she told me that I could not have my PMI ( {$100.00} ) removed and I would have to wait for the two-year mark or make a {$50000.00} payment towards my principal. I asked for this rejection of PMI ( {$100.00} ) removal in a form of an email or letter and she stated that a letter had been mailed to me on XX/XX/XXXX ( Saturday ) and should be getting that in the mail soon. The call ended and I realized that date was a Saturday and found it a bit bizarre but was unsure if this particular bank operated on weekends.
*** I would like to note she did mention the call was recorded *** I spoke with XXXX again at CFPB after my call with Crosscountry and she encouraged me to file a complaint. I still have yet to receive the said letter by Crosscountry Mortgage LLC.
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| 04/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/XXXX, I put an offer to purchase a house at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX that was listed by XXXX XXXX of XXXX XXXX XXXX XXXX ( Real Estate License XXXX -- FL ). On XX/XX/XXXX, I received an email from XXXX XXXX via my real estate agent noting the sellers received multiple offers and were now requesting highest and best offers to select the winning contract. Mr. XXXX asked me to submit my final offer for the home by XX/XX/XXXX at XXXX and noted all offers were going to be presented to the seller at one time and a final decision would be made by XX/XX/XXXX at XXXX.
In addition to asking for my final and best offer, Mr. XXXX noted the sellers would appreciate a pre-approval letter from their preferred lender, XXXX XXXX from Cross Country Mortgages ( Branch NMLS XXXX ), though it was not required. Given my strong interest in the home and strong financial/credit background, I didn't have a problem getting a pre-approval from the sellers preferred lender since I was not obligated to choose them if I secured the contract.
I contacted XXXX XXXX from Cross Country Mortgages ( XX/XX/XXXX ) to obtain the pre-approval letter and was directed to speak to XXXX XXXX ( Pre-Approval Coordinator ) via a phone call. I explained to MrXXXX XXXX my situation and urgency to get a pre-approval letter the sellers had requested.Mr. XXXX explainedthat in order to receive a pre-approval letter from his team, I would need to go through a thorough application process and submit my XXXX W2 's, 30 days of most recent pay stubs, and 3 months of most recent bank statements. It seemed odd to me they needed this much information, especiallyas I had already sourced a pre-qualification letter from another lender with less information.
Given my interest in the house, I agreed to move forward with the process. As XXXX proceeded to ask questions, he also asked me to disclose my race/ethnicity. He said this was a voluntaryquestion. I was taken back by this questions since I was only asking for a pre-approval letter. I know lenders can ask this question when you are formally applying for a loan ( HMDA ), but I didn't know if they could ask for a pre-qualification. I was uneasy about the question and felt uncomfortablesharing that I was XXXX, so I told him I did not want to disclose that information. We ended the call and he followed up with an email asking for financial documents, which I submitted, The following day ( XX/XX/XXXX ) I received an email stating that I was pre-approved. In order to request the formal pre-approval letter, I needed to email/text him with the address of the property I was making an offer on and my desired price. I called XXXX at XXXX and let him know my desired price for the home listed by Mr. XXXX XXXX At XXXX, I received the pre-approvalletter via email. I then sent that letter to my agent to attach to my offer, which he submitted around XXXX.
Immediatelyafter my agent submitted my offer, Mr. XXXX replied " the sellers chose an offer that was too good to pass up therefore they had to make a quick decision ''. This meant the sellers and listing agent did not keep up their word of having until XXXX and presenting all offers at once. Although the sellers have the right to do this, something did not feel right about the whole situation, particularly the non-obligated, but highly recommended suggestion to get a pre-approval letter from the sellers preferred lender. I was beginning to suspect both the lender and listing agent were talking to each other ( which I believe is illegal ). I was also concerned my decision to not disclose my race in the pre-approval process might have been used against me.
I asked my agent to find out when the house went officiallyunder contract on the XXXX. He let me know that the house was placed under contract at XXXX. Given that new information, the timeline goes as follows : at XXXX I asked thelender to provide me a pre-approval letter, at XXXX the home goes under contract, and at XXXX I was given the pre-approval. This timeline could be seen as a coincidence, but given the circumstances, I feel that my decision not to disclose my race to the lender may have been used against me. I have no concrete evidence that this occurred, but I am filing this complaint to better understand if the lender was legally permitted to ask about my race for a pre-approval letter.
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| 07/14/2019 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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I was contacted by Mr. XXXX XXXX. XXXX to do a refinance cash out process on my primary residence ( XXXX XXXX XXXX XXXX XXXX NV XXXX ) with cross country mortgage on or around XX/XX/XXXX. After several phone calls I finally agreed to do the refinance on or around XX/XX/XXXX. My intention was to expand my XXXX business. I have been in XXXX business for about 5 years. Initially, I was told I must wait until XXXX to get the refinance going since I had a couple of late payments and one will fall of my record on XXXX.
On XX/XX/XXXX, we started the process in an understanding of doing refinance cash out. The case was assigned to XXXX XXXX a sales assistant/loan processor to help me with the refinance. Upon starting the process, I was told the interest rate would be 6.375 % and the interest rate was locked. A couple of weeks later, I was informed the loan can not proceed with the interest rate that was given to me initially because " they ran into a snag '' on my loan that " the system is not liking the late payments ''. When I saw the email the new interest rate would be 9.110 %, I was very disappointed and inform them via email that I am no longer interested in and would like to withdraw my loan application. Not only I sent them an email, I conference call my friend Mr. XXXX XXXX, who has a better understanding of English language to help my communicate with XXXX XXXX. XXXX.
Mr. XXXX called me the next day and asked me to come to his office so he can explain to me about the loan after I explicitly told him I have lost interest in going forward with the loan. The next day as requested by MrXXXX XXXX, I went to the office around XXXX XXXX to discuss my intention of withdrawing my application. After greetings, Mr. XXXX said " XXXX, you are nice guy, we like you and I want to help you '' and said so many things which I have a hard time understanding since English is my Second language. I have done my first refinance with Mr. XXXX in XXXX. Mr. XXXX also said, " He understand its a high interest rate and its a temporary thing and said I will be able to do another refinance in 6 months to get a lower interest rate ''. I trusted him since he did my first refinance the first time and when he told me " it is a temporary thing ''.
Once the process started, the terms of the loan changed at least three times which makes it very confusing and difficult to understand. I had a hard time to understand the terms of the loan and have asked so many times and the answer I get from Mr. XXXX was " Don't worry ''.
At closing, I asked the XXXX at XXXX XXXX, about the numbers, she told me " the {$2900.00} is about closing cost and the rest talk to Mr. XXXX ''.
While everything was going on, I was out of work due to a medical procedure and Mr. XXXX was aware of everything.
After signing, I contacted Ms. XXXX on XX/XX/XXXX, who informed me that I wasn't getting {$40000.00} as discussed but " they have paid my creditors '' instead. I was shocked and surprised, since at no point that paying the creditors was getting paid. Since I was not sure what she mean " I am only getting {$2900.00} '' and asked her to hold the line so I can get my friend Mr. XXXX, who asked her what does she meant by " only {$2900.00} '', she immediately refer us to Mr. XXXX. When we talk to him, he started to rant and shout.
Mr. XXXX asked Mr. XXXX, " who in the right mind would consolidate a 9.45 % lone for 5 years on an auto and other loans which are 0 % financing and pay almost 10 % for 30 years? '' Mr. XXXX response was not only unprofessional but asking us to " Why we are asking so many questions after loan was closed and funded '' and " To discuss it among ourselves and he will call us in an hour ''. He never called and never answer my question.
On Monday, XX/XX/XXXX, I contacted Cross Country Mortgage Inc. Headquarters in XXXX and talk to a customer service representative about filling a complaint about the loan and the unsatisfactory results. The agent took my information and told me " a mortgage loan manager '' will contact me as soon as possible. I have not heard anything neither from Mr. XXXX nor a loan manager from Cross Country Mortgage Inc.
I believe, Mr. XXXX and Cross Country Mortgage Inc. took advantage of my lack of knowledge in the process and knowing that I don't fully understand English, since English is my second language.
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| 04/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I closed on a mortgage on XX/XX/XXXX. I was told my mortgage would be {$1400.00}. I continued to pay that amount until XX/XX/XXXX, when they decided to up my mortgage by {$200.00} for no reason. At that point, no new property tax amount had been recalculated. They used their own vendor to decide what they thought my property taxes would be and upped my payment by {$200.00}. At closing, I paid {$1100.00} toward property taxes. For all of XXXX, other than the amount I paid at closing, the mortgage company continued to collect the amount from the mortgage but never paid the town. I paid the additional {$200.00} for many months, all the while asking for updates from the company. I am attaching chat screenshots. This does not include the multiple phone calls I have made to the company. For the first {$200.00} increase, they stated my property taxes for XXXX would be {$710000.00}. You can see attached here emails from my town and invoices showing that my taxes for XXXX were, in fact, {$4900.00}. The fact that they make up numbers and then adjust my payment based on false information is crazy. They then give tons of trouble adjusting, especially over the phone. They have stated your taxes are this amount, and before I was able to confirm with the town, this caused extreme stress. Even after hearing from the town, this has been such a stressful process that is so unnecessary when life is already hard for people. Especially in an inflationary time where prices for everything are so much higher. Multiple people have been very rude to me on the phone. I have worked in customer service for many years, so I am always conscious of that and try to be nice to anyone I speak to. I know there are tons of people who are nasty, and I myself have had to deal with many in my job. At a certain point, though, when no one cares, they are rude, you are lied to, and they do nothing to help you, you just have enough. Eventually, they adjusted the payment, and it was wrong again. I checked in chat with them because it did not make sense to go below what was established at closing. You can see in the chat that I questioned them on it, as I did not want to end up in a bad situation yet again. They confirmed it was correct. Payment went to {$1100.00} and stayed that way from XXXX XXXX XXXX. In XXXX, it went up to {$1500.00}. I did not say anything, as this made more sense than the {$1100.00} figure. It remained this amount until XX/XX/XXXX. Then, as of XXXX, they upped it to {$2600.00}. An amount I can not afford. This is an additional {$1100.00} a month. You can't just do this to people. What is the point of getting a mortgage and owning a home if this can happen? I have a fixed-rate mortgage as well. All the while all this is going on, they never reissued the escrow payment that I am owed. Between paying more than I needed, especially in XX/XX/XXXX, where I overpaid to avoid late fees, I hoped this would be resolved by the time the next month came along. ( Here we are not resolved. ) I tell them all this, and they threaten a late fee and say they will not push the due date. They tell me over and over again they will reissue the check and will email me with an update on its status, but they never do. They have my escrow in the negative and are overcharging for it ; meanwhile, they have the money they owe me that more than covers the escrow shortgae and they owe me some. No one at this company has made this process easy. Since day one of closing with them, I have regretted the decision to use them. It is abuse and has caused so much distress financially for me. I want the money I am owed back. I want whatever needs to be applied to the escrow balance to be adjusted, and the rest to go to me in cash. I want this over with, and I want them watched so that this does not happen again. They can not make up property taxes, and they need to pay my property taxes on time. They can not charge me a late fee for XXXX since I have not paid this ridiculous amount since I do not owe it. I can not afford this, either financially or emotionally. I am very tired of this, and I need help dealing with them so this can be resolved.
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| 05/03/2023 |
Yes |
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- Trouble during payment process
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Web |
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XXXXCross Country Mortgage LLC has received XXXX payments of {$1500.00} totaling {$4700.00} for payment of my mortgage at XXXX XXXX XXXX XXXX XXXX FL XXXX from the Florida Department of Economic Opportunity Housing Assistance Fund FL DEO HAF ( a federally funded Covid relief program ). These payments were for XXXX, XXXX and XXXX of XXXX The FL DEO HAF program is able to verify this information through their payment system. These payments have NOT been applied to my account.
In addition, because XXXXCross Country Mortgage LLC did not apply these payments I have had to make XXXX payments in the amount of {$1200.00} ( XXXX and XX/XX/ ) to keep my mortgage current. This totals {$2400.00}. I was told if I did not make these payments my loan would be in default thus allowing the mortgage company to move forward with foreclosure proceedings despite the fact that they have received the payments from FL DEO HAF program.
In total since XXXX of XXXX XXXXCross Country LLC has received {$7200.00} in payments from both the FL DEO HAF program and myself.
I have contacted the FL DEO HAF program and they have completed their investigation showing the payments were sent. Here is a timeline for these payments as provided by the FL DEO HAF program and myself.
XXXX XXXX XXXX Payment sent to XXXXCross Country Mortgage LLC . - Payment not applied.
XXXX XXXX XXXX Payment sent by me to prevent default for missing XX/XX/ payment. Investigation opened by FL DEO HAF and XXXXCross Country Mortgage LLC .
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Payment electronically sent to XXXX/Cross Country Mortgage LLC via ACH . Payment received and accepted by mortgage company- XX/XX/ payment NOT APPLIED.
XXXX XXXX XXXX XXXX XXXX resent to XXXXCross Country Mortgage LLC via ACH .
XXXX XXXX XXXX XXXX XXXX resent payment accepted by XXXXCross Country Mortgage LLC . Payment NOT APPLIED.
XXXX XXXX XXXX XXXX XXXX XXXXment sent to XXXXCross Country Mortgage LLC via ACH .
XXXX XXXX XXXX XXXX XXXX accepted by mortgage company. Payment NOT applied.
XX/XX/XXXX, XXXX Payment sent by me to prevent default for XX/XX/ missing payment. Payment processed and accepted by XXXXCross Country Customer Service representative XXXX
XXXX XXXX XXXX Payment sent by me to XXXX XXXX which was drafted from checking account, was NOT applied to my mortgage account. Contacted mortgage company and was told it wasnt processed due to an internal error. I requested via Chat that the payment be immediately applied.
XXXX XXXX XXXX Payment sent by me to XXXXCross Country Mortgage LLC still has NOT been applied but has been drafted from my checking account.
I have contacted XXXXCross Country Mortgage LLC many times by phone, email and chat and they have maintained that the payments from FL DEO HAF were never sent or received by their company.
I have made MULTIPLE attempts to resolve this situation with the mortgage company since XXXX XXXX XXXX
This organization ( XXXX/Cross Country Mortgage LLC ) is accepting federally funded covid relief money and not applying it to my mortgage account while also demanding payment from me to keep my loan current.
The question iswhere is the federally provided money going? They are collecting the money but not applying it.
I am a XXXX XXXX for the city XXXX XXXX XXXX, FL XXXX My spouse is XXXX. This situation has completely depleted our savings and we are now experiencing food challenges because we have had to use our savings and all our spare income to make the payments on a mortgage they have already received payment on from the FL DEO HAF program.
I have a great deal of paperwork, call logs and copies of emails, as well as a copy of the Award Letter I received from FL DEO HAF.
I have been advised that because this program is federally funded and state administered I should contact your organization with the information I have included in this letter. In addition, I have also contacted the Florida State Attorney Office and the FL DEO HAF program. Please let me know what paperwork you need to open and complete your investigation into XXXXCross Country Mortgage LLC .
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| 02/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I was a seller of a property and the buyers were using XXXX XXXX XXXXhrough CrossCountry Mortgage ( NMLS XXXX ) out of XXXX, OK as their lender. Less than 24 hours prior to closing, we get notification that the buyer 's lending hit a snag and would not be able to close on the scheduled date. We learned that the buyer had a large loan that showed up on their credit report after their initial credit report was taken that changed the buyer 's debt to income ratio. Contractually, they had a built in 5 day window where they could close without consequences. However, the buyers were asking for an extension up to the closing of their primary residence ( contingency ) based on the information provided from XXXX XXXX. XXXX was saying worst case scenario is extending up to the closing of their primary residence, but hope to close sooner ... within 2 days past the 5 day window period. During this waiting period trying to figure out a set closing date, we learned that XXXX has quite the reputation of being unethical, unprofessional, and a bully to others in which he's doing business with. He has a history of hopping around from mortgage company to mortgage company, because of his unethical and unprofessional practices. He has a public XXXX page and the day we learned that we would not be closing, he posted an ugly/nasty/unprofessional post about our realtor that verbatim reads " dear realtors : things happen - not always the lenders fault. It's your fault that this is your only deal in months and a delay makes you go nuclear cause you want that money We see your lack of production. '' I have screenshots of said post as well as other comments from him on the post that are equally unprofessional. Also he hand delivered an apology note with a {$100.00} bill by placing it in my federal mailbox ( illegal mailbox tampering ). This is not only insulting, but is bribery. He thought he could bribe us with {$100.00} bill to allow his clients an extension to the contract. My husband attempted to hand deliver it back to his office without success and subsequently certified mailed it back to him. On his public XXXX page, he then posted about it on a reel where our names and address are visible. In the video reel, he has " some people hate themselves and you '' written over the video and during the video he says " okay so I sent this card to a seller because we had a little delay in their closing and the guy attempted to hand deliver it back to my office when I wasn't here he certified mailed it back to me... nice. '' We have photos of the letter/ {$100.00} bill as well as the video of the reel. During the 5 day grace window, they were not expected to be able to close by the end of the contracted window and an extension would be necessary if we wanted to continue with the buyers. It was a tumultuous, stressful and emotional waiting period for many reasons, but as we came to the final day of the grace window, we had offered an extension with new stipulations to cover our inconveniences that went unfulfilled so we were not going to offer a new extension and were going to ask for a release of contract. XXXX managed, by some kind of miracle, to close the final day of the contract at XXXX XXXX I suspect that some fraudulent and unethical strings were pulled to accomplish this closing. And I'd like an investigation into every step he took on this deal. Minimally, he needs to have consequences for illegally tampering with my mailbox, for publicly publishing my sensitive information on a public domain without our consent, and for his unethical and unprofessional behaviors against our realtor as well as us. But I want his lender license revoked. He is a liability for any company who hires him. He can not behave professionally. And as mentioned, I highly suspect some shady, fraudulent things happened to get the deal closed. We do not believe that the buyers were properly vetted and qualified to close the loan without selling their primary residence first. We have pictures, screenshots, and video of everything we personally were privy to during the process.
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| 08/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Closing on a mortgage
- Closing disclosure or other related disclosures
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Web |
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Formal Petition Against CrossCountry Mortgage , LLC for Lack of Transparency, Negligence, and Dubious Practices Dear Sir/Madam, I am writing to file a formal petition against CrossCountry Mortgage, LLC, a mortgage company that operates under the XXXX XXXX XXXX and XXXX, for their lack of transparency, negligence, and dubious practices that have led to significant financial losses and emotional distress for myself and my family.
I have initially reached out to the mortgage company, outlined my ordeals, and requested resolution. The lack of response from CrossCountry Mortgage, LLC, and the company 's actions and in-actions have caused irreparable damage and distress. The situation began when I sought their services, last year XXXX to secure a mortgage for the purchase of a new home. Instead of providing clear and transparent communication, they initiated a loan pre-approval process with the home seller without furnishing me with a loan estimation quote or pre-approval letter. This lack of transparency prevented me from making informed decisions about the property purchase.
Moreover, after the completion of the new home 's construction, I was informed at the time of closing that there was a county limit issue that would require an additional payment of {$100000.00} to close the house. This sudden and significant financial burden was the direct result of CrossCountry Mortgage, LLC 's negligence in not disclosing this information earlier in the process. This abrupt revelation caused me to lose my earnest money ( {$16000.00} ), my dream home, 9 months construction wait period, and subjected my family to emotional trauma and housing instability.
Despite my attempts to engage in dialogue and seek a fair resolution, CrossCountry Mortgage, LLC has refused to respond to my concerns, further exacerbating the distress and financial losses I have endured due to their actions. Their lack of responsiveness demonstrates a disregard for consumer rights and ethical business practices.
Given the circumstances, I kindly request the following actions be taken : 1. Thorough Investigation : I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into the practices of CrossCountry Mortgage, LLC, specifically regarding their lack of transparency, negligence, and dubious practices.
2. Accountability and Penalties : If the investigation reveals that CrossCountry Mortgage, LLC has engaged in unethical practices, I request that appropriate penalties be imposed to hold the company accountable for their actions.
3. Refund of Earnest Money : I request th
at CrossCountry Mortgage, LLC be legally compelled to refund the full amount of my earnest money that was lost due to their actions and in-actions. 4. Compensation for Damages : I seek compensation for the time wasted, emotion
al trauma, and other associated damage caused by CrossCountry Mortgage, LLC 's lack of transparency and negligent conduct.
I trust that the Consumer Financial Protection Bureau and the XXXX XXXX XXXX will handle this petition with the utmost seriousness and ensure that justice is served. My intention in filing this petition is not only to seek redress for the harm done to my family but also to prevent similar situations from occurring to others who seek fair and transparent mortgage services.
I anticipate your prompt attention to this matter and a response outlining the course of action that will be taken to address these concerns. Please note that if a satisfactory resolution is not reached through this petition, I am prepared to explore further legal avenues to ensure my rights are protected.
Thank you for your consideration and for upholding consumer rights and fair business practices.
N : B At the time of writing this complain today CrossCountry never wrote that I did not qualify for the house, while the seller sold our house in XXXX. CrossCountry Mortgage neglected my family, treated us with highest dismay, and allowed our hard-earned saving goes down.
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| 03/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2023 I contacted my loan servicer CrossCountry Mortgage, LLC through their online chat customer service. I inquired about the supplemental tax bill I received by the county and if it is possible to be paid with my escrow account. The customer representative confirmed that they can but they would need to reevaluate my escrow account and increase my monthly so that money gets paid back to the escrow account because it is not within their responsibility. Afterwards, I inquired about the conditions to close an escrow account. The customer representative said she would ask the appropriate department and get back to me with an answer. She also requested that I send a copy of my Property Tax bill which I sent via email.
Attached in screenshot # XXXX, I sent the property tax bill and I received a response on XXXX XXXX XXXX, thanking me for this information.
After not receiving an answer for over a week to my question about closing an escrow account I followed up asking if they had a response to my question on XX/XX/2023, screenshot # XXXX Low and behold on XX/XX/2023, I receive the extremely surprising response that they have attached the decision letter regarding your escrow account removal request ( there was never a formal request made on my behalf ) and that they have paid my supplemental taxes ( once again I never made a formal request to pay these ). See screenshot # XXXX.
I contacted their customer service on XX/XX/2023 and they confirmed that they paid this supplemental bill because I had not paid it and it was delinquent. Unfortunately, my supplement bill is delinquent after XX/XX/2023, so that did not hold up. Unsurprisingly, they then said that I had made a request to pay this supplement bill. Once again, I never made this request.
We confirmed with the customer service representative that any request, whether it is to pay a supplement tax bill or close an escrow account must be a signed letter from me. Since these requests never existed, it is extremely concerning that this servicer is taking action on a clients behalf without their consent. Moreover, their processes seem to be broken given that a simple chat inquiry lead to such disastrous actions on their behalf.
When I asked for the online chat transcript of XX/XX/2023, they said I needed to email to make a request to their Research Department by writing a letter with my request and sign it, the exact same way I would of needed to do for them to pay my supplement tax bill and close my escrow account, which I never did.
I have yet to receive the chat transcript which I have requested.
My escrow monthly has now increased due to their mistake. Their solution is to reverse the supplement tax bill payment they made, have me pay this in less than 2 weeks. This is unacceptable. I demanded that they leave the tax bill paid and not increase my escrow monthly because it was blatant overreach on their part.
A simple inquiry to their online chat service has resulted in a financially disastrous situation for me, having to come up with more than XXXX XXXX dollars in next couple of days due to their inadequate processes. It is scary to think that this company is handling such big amounts of money as are involved in a mortgage. Moreover, when you head over to their online dashboard that they provide clients it is a disaster. The information provided is extremely poor, you can not view any requests nor their statuses because they do not have a section for requests.
In summary, they acted on my behalf without a formal request, signed letter, as they require. They lied that my they did so because my supplemental bill ( screenshot # XXXX ) was delinquent. Then they lied that they did so because I made a request. Then they lied that I requested it in the chat ( these requests must be a signed letter by me, never submitted one ). In addition, I only inquired about closing an escrow account they actually put in a request to close the escrow account.
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| 06/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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XXXX XXXX XXXX XXXXXXXX working with buyers who came pre-approved from Cross Country Mortgage. My buyers went under contract on a property, shortly after we received a phone call stating that loan officers license in SC was not active at this time and we were passed to XXXX XXXX with CrossCountry in XXXX. Our process continued as it should, a few days prior to closing things went extremely south. We received notice on XX/XX/XXXX that the loan was moved to underwriting, the following week to received notice the loan was approved with conditions, the buyer needed to obtain something from the courthouse. The process continues, we learn their condo team flagged the unit as a condotel based off things written within the appraisal report from the appraiser CrossCountry hired. My buyers were quoted a different program, with a higher interest. After talking with them, they agreed to the new program. At this point XXXX disclosed new interest rates but never mentioned raising their down payment from 20 % to 30 %. After my clients finding out, they still wanted to continue moving forward. My clients had questions for the loan officer, questions Im not educated enough as a Realtor to answer. My clients were then told to chill by XXXX because she was at a conference in XXXX. Fine, we move past it. Friday XX/XX/XXXX, I receive a call from XXXX stating their loan was denied because of the HOA budget reserve being under 10 %. I email the listing agent to let him know and ask for an extension to give my clients time to get a new lender. The listing agent lets me know that the budget is actually 14 % and not the 6.97 % XXXX quoted. At this point, myself and my clients have heard from XXXX multiple times she isnt making anything on the loan and suggests we find a new lender. ( 5 days before closing ). XXXX herself called the listing agent after she was called out for her inaccurate information and said she will try and do everything she can to close Friday. ( I also have this on an email from XXXX ) up until this point the only denial reason was the HOA Budget Reserve % in which we proved its sufficient for her requirement. Both realtors contact the closing attorneys to move the closing to Friday XX/XX/XXXX, which is the day XXXX herself gave the listing agent on Monday XX/XX/XXXX. Tuesday XX/XX/XXXX, my clients reached out multiple times via text message to ask if she had the loan docs ready to sign so we can try and get back on track, multiple times XXXX said she was working on it and she was shooting for Friday closing.I have text messages between myself and XXXX after the discovery of her denial reason being inaccurate that state Waitsurely you dont want us to continue at this point.. Tuesday around XXXX we receive another email from XXXX with a new list of reasons she cant process their loan, ALL of which were never mentioned previously. All of these reasons just happened to pop up a few days prior to closing after my client got conditionally approved. XXXX showed extreme unprofessionalism and CrossCountry should be appalled for having her employed as a branch manager. It was clear she did not want to close this loan, which is why she mentioned multiple times shes not making anything on the loan, and prying multiple times to get us to switch lenders. My clients paid off a {$38000.00} car at the instruction of CrossCountry, we also had to go out of contract because we were supposed to close today XX/XX/XXXX and she promised Friday XX/XX/XXXX we could close which cost my clients their earnest money deposit. My clients are out thousands of dollars over this, and something needs to be made right. Myself and my clients have emails and text messages involving XXXX to support all accusations in this email. CrossCountry needs to step up and take accountability for this series of events since CrossCountry allows extremely unprofessional and rude branch managers like XXXX XXXX.
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| 11/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
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CROSS COUNTRY MORTGAGE IS A FRAUD. TO BEGIN WITH, LET 'S START WITH THE FIRST ISSUE. I APPLIED FOR HARDSHIP ASSISTANCE THROUGH THE LENDER AS I HAD A CHANGE IN MY INCOME STATUS AS WELL AS MY MARITAL STATUS. HOWEVER, THEY CAME BACK WITH A VERY RIDICULOUS OFFER IN WHICH I DECLINED AND NEVER ACCEPTED. THE COMPANY STILL WENT AHEAD AND REPORTED TO THE CREDIT BUREAUS THAT I AM ON A LOAN MODIFICATION PROGRAM WHICH HAS RUINED MY CREDIT AND TO THIS DATE, THEY HAVE REFUSED TO FIX THIS ERROR. THIS WAS REPORTED ON XX/XX/XXXX FOR THE MONTH OF XXXX HOWEVER I DECLINED THE OFFER IN XXXX AND ON THEIR LETTER IT STATES THAT I HAVE 14 DAYS FROM THE DATE OF THE LETTER TO RESPOND AND I MUST SIGN LOAN MOD DOCUMENTS TO ACCEPT THIS OFFER. NEITHER OF WHICH HAPPENED AND THE COMPANY STILL ILLEGALLY REPORTED FALSELY TO THE BUREAUS THAT I DID. I AM NOW FILING A SUIT AGAINST THEM FOR VIOLATING THE FAIR CREDIT REPORTING ACT FOR THIS MATTER. NOW THE MAJOR ISSUE IS THAT I APPLIED FOR TEXAS STATE HOMEOWNER ASSISTANCE PROGRAM. AFTER FINALLY BEING APPROVED AND THE STATE SENDING THEM THE INITIAL PAYMENT OF {$14000.00} ON XX/XX/XXXX VIA ACH/WIRE WHICH IS TO COVER ALL PAST DUE FEES, THE HAZARD INSURANCE THEY GOT FOR ME AND ILLEGALLY OPENED AN ESCROW FOR SINCE I AM NOT SUPPOSED TO HAVE ONE DUE TO THE FACT THAT I PUT 20 % DOWN SPECIFICALLY TO AVOID AN ESCROW, AND XXXX AND XXXX 'S PAYMENT PLUS ANY OTHER PAST DUES THEY REPORTED. PLEASE NOTE THAT I WAS NEVER BEHIND ON MY REGULAR MONTHLY PAYMENTS, I ONLY HAD LATE FEES I HAD INCURRED AND THIS HAZARD INSURANCE IN WHICH AN ESCROW ACCOUNT WAS OPENED FOR WHICH THEY NEVER SHOULD HAVE. ON XX/XX/XXXX, I SENT THEIR LOSS MITIGATION DEPARTMENT AN EMAIL CONFIRMING THAT THE PAYMENT OF {$14000.00} WAS SENT OUT BY THE ASSISTANCE PROGRAM ON XX/XX/XXXX AND TO ENSURE THAT THE PAYMENT IS APPLIED CORRECTLY INCLUDING PAYING OFF THE HAZARD INSURANCE CLOSING OUT THE ESCROW AND BRINGING MY REGULAR MONTHLY PAYMENT BACK TO THE {$2800.00} I WAS PAYING VERSUS THE {$3600.00} THEY INCREASED IT TO DUE TO THE ILLEGAL ESCROW ACCOUNT THEY OPENED FOR THE HAZARD INSURANCE. AS SOON AS I SENT THAT EMAIL, THE VERY NEXT DAY THE MORTGAGE COMPANY BLOCKED MY ONLINE ACCESS AND I AM NO LONGER ABLE TO SEE MY ACCOUNT ONLINE. I HAVE NO VISIBILITY AS TO WHAT THEY ARE DOING TO MY ACCOUNT, HOW THEY ARE APPLYING THESE PAYMENTS, WHETHER THEY ARE DOING THINGS CORRECTLY OR ANYTHING. WHEN I REACHED OUT TO THEM ON XX/XX/XXXX, THEY ADVISED ME THAT SUPPOSEDLY IT WAS THE ASSISTANCE PROGRAM THAT REQUESTED THEY BLOCK ME FROM ACCESSING MY ACCOUNT WHILE I'M IN THE PROGRAM. I ASKED MY CASE WORKER AT THIS PROGRAM AND SHE HAD NEVER HEARD OF THIS. NO LENDER SHOULD HAVE THE RIGHT TO BLOCK A LOAN HOLDER FROM BEING ABLE TO VIEW THEIR ACCOUNT ONLINE OR SEEING WHAT CHANGES THE LENDER IS MAKING ON THEIR ACCOUNT. THIS COMPANY IS VERY SUSPICIOUS AND I HAVE A VERY STRONG FEELING THAT THEY ARE GOING TO MISAPPLY THESE PAYMENTS ON PURPOSE AND KEEP THE ESCROW OPEN IN ORDER TO CONTINUE TO FORCE ME TO PAY THE HIGHER MONTHLY PAYMENT WHEN THE ASSISTANCE PROGRAM GAVE THEM THE MONEY TO PAY FOR THE HAZARD INSURANCE. THE TOTAL AMOUNT DUE FOR THE HAZARD INSUANCE IS {$3900.00}. THIS COMPANY DEFINITELY NEEDS TO BE LOOKED INTO AS THEY CONDUCT ILLEGAL ACTIVITIES BEHIND THE SCENES AND TO BLOCK A CONSUMER FROM ACCESSING THEIR ACCOUNT ONLINE BECAUSE I QUESTIONED ON HOW THEY APPLIED THE PAYMENT SHOULD BE ILLEGAL. I HAVE EVERY RIGHT TO VIEW MY ACCOUNT ONLINE AND SEE WHAT THEY ARE DOING. I REQUESTED A SUPEVISOR TO CALL ME AND THEY NEVER DID. I SENT THEM AN EMAIL ON MONDAY AND TO THIS DATE, NO RESPONSE BUT YET AGAIN THEY NEVER RESPOND TO EMAILS AS THEY NEVER RESPONDED TO MY EMAILS FOR THEIR FALSELY REPORTING THAT I WAS ON A PARTIAL PAYMENT PLAN WITH THEM TO THE CREDIT BUREAUS. THEY ARE ABUSING THEIR POWER AS A LENDER AND SHOULD BE PROSECUTED AND FINED. I WANT THEM TO REMOVE THE BLOCK SO THAT I AM ABLE TO VIEW MY ACCOUNT AGAIN.
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| 11/23/2019 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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There is belief that XXXX XXXX XXXX XXXX XXXX and Cross Country mortgage, LLC, were unfair, misleading and discriminatory against me in lending.
On our about XX/XX/2019, I submitted a loan application online for a XXXX home I was interested in. I was referred to XXXX XXXX XXXX, as I was advised this was the lender XXXX worked closely with and helped consumers with closing cost. I maintained contact with the loan officer assigned and submitted all documents requested. At the beginning of my interaction, i expressed what I was looking for and what I could afford to pay.
During the course, not once did I see the pre-approval letter and was advised verbally and via email that the Pre-approval would be sent directly to the XXXX home coordinate so it would be ready upon my appointment for the reservation of the home. I completed the reservation and submitted a deposit for the home. As time passed, I explained to the loan officer that I was scheduled to move out of the current home by XX/XX/2019, and I requested the loan be expedited. As the weeks passed and as I continued to submit all documents requested, i received numerous outrageous loan estimates and proposals which were unaffordable to me and to an average person. On XX/XX/2019, i received news that the loan fell apart due to a lender error as things were overlooked. ( which was admitted by loan officer ) Having discovered this, I became concerned, as I was scheduled to move out in 7 days. The loan officer panicked and noted she would continue working on the application, but as she continued working on it, the loan terms became even more outrageous and unaffordable. As a result, the XXXX Home consultant referred me to a second lender, Cross Country Mortgage, LLC. Again, I continued to cooperate and submit documents as requested. This lender became misleading and untrustworthy, as the lender lost and/or misplaced my confidential documents. The lender also delayed the process, promised it could fix errors done by last lender, spoke negatively about the last lender to convince me and get me to accept their unfair terms, provided me with outrageous loan terms that I could not afford. By placing my trust in both lenders, I went homeless and continue to be homeless. This lender requested documents which I did not have, however ; I went out of my way to obtain and paid out of pocket to obtain requested documents to find out they were not utilized accordingly, placing a financial harship on me. I was then given a conditional offer, which was contingent upon me meeting certain conditions, which I met on XX/XX/2019. A day later, I received notice that the lender could not move forward with the conditional offer as they wanted new information and requested new documents, which were never requested at the time of the conditional offer. Again, the loan fell apart at the hands of the lender. Having met all conditions, I contacted XXXX corporate and advised them of the situation. Corporate had already received word that I, the potential buyer, had delayed the entire process, changed my mind numerous times, and cancelled the loan abruptly. I expressed to the lender how I felt mistreated and how I felt as if they were not there to help me. Not once did I get a response from the lender apologizing, they simply told corporate I cancelled the loan. I then spoke to corporate sales manager who said he would look into the situation. On XX/XX/2019, I received a voice mail from the sales manager indicating he reached out to the lender and the lender agreed to produce another proposal, however, the down payment would go up and be higher then previously offered, again making the loan unaffordable to me. Due to the fact that the loan terms continued to be outrageous, I withdrew myself from the situation.
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| 09/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I am sending this communication to escalate the matter below as it has not been resolved within the 30-day period of which I was initially advised. I am contacting you in hopes that you can see to it that my account is updated, and this matter resolved and closed.
Due to COVID-19, I entered a COVID forbearance back in XXXX of XXXX. My forbearance was active through XX/XX/XXXX, a total of 18 months. My mortgage payments were scheduled to resume on XX/XX/XXXX.
Prior to entering the forbearance, I discussed the options that would be available to me after my forbearance ended to manage the mortgage payments that were delayed. I was advised that I would be eligible for a total deferment that would move all unpaid mortgage payments to the back of my loan. I advised at that time that I would be taking advantage of this option.
I spoke with CrossCountry Mortgage loss mitigation department every 3 months to extend my forbearance out as directed. Every conversation that commenced, I confirmed the deferment option would be available to me at the end of the forbearance.
On XX/XX/XXXX I called into the loss mitigation department to advise them that I would be resuming my mortgage payments. I was advised that processing would take 30 days, then I would be removed from loss mitigation, and the 18 months of mortgage payments would be deferred and placed on the back end of my mortgage loan.
On XX/XX/XXXX I received a letter from the loss mitigation department advising that I had been approved for the deferral program I had requested just the day before. However, on XX/XX/XXXX I received a call from the collections department at CrossCountry Mortgage advising that my account had been removed from the loss mitigation department and the 18 months of mortgage payments was now due in full. As you can imagine, I was distraught. I thoroughly explained the situation to the collections agent. Although the collections agent saw all the notes in the system surrounding my deferral approval, she insisted on submitting a request to reopen my forbearance which involved her sending me another forbearance application. I advised that was not what I wanted or needed ; however, she sent it anyway. This caused some serious confusion on my account. Documents were now being requested to reinstate my forbearance although I was paying my mortgage payments and supposed to be in deferral status.
I spoke with the loss mitigation department that following Monday, XX/XX/XXXX, who advised that there was a processing error on my file, and they would submit to have it corrected and my deferral process completed. Since this date, I have been told the same thing repeatedly. I have received 2 more Deferral Approval letters on XX/XX/XXXX and XX/XX/XXXX. I have consistently called the loss mitigation department at least two times weekly. I was advised that another error had been made on my deferral. The incorrect one had been submitted ; a loan modification that did not resolve the entire balance owed so they submitted to have that corrected.
Additionally, my mortgage payments have been being applied incorrectly. As my payments were scheduled to resume in XX/XX/XXXX, I have made my payments early or on time. My payments have been held in suspense and not applied to my XXXX, XXXX, and XXXX mortgage statements. I was advised this would also be corrected.
For a process that was supposed to take only 30 days, we are coming up on 4 months. I need this matter escalated and resolved ASAP. I have been more than patient with this process. The ball keeps getting dropped. I have done all that I am required to do. Please do whatever is necessary to expedite this matter. I have attached a copy of the last Deferment Approval Agreement that I received on XX/XX/XXXX for your reference.
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| 08/09/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Previous Complaint COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Trouble during the payment process To whom it may concern, Im appealing the CrossCountry Mortgage # Loan number XXXX finding and there are some discrepancies I would like to clarify. Im not sure if CrossCountry is a broker or Mortgage company. They insist that I get insurance through them so now the Lender becomes the Insurance Brooker and I believe that is no more than slavery when a person or an organization commits you to involuntary servitude. They must have power of attorney for the Insurance Company because CrossCountry Mortgage is stating my hazardous insurance is part of the mortgage. In essence, CrossCountry trying to create debt out of thin air. Banks create money out of thin air, but it's less - XXXX XXXX! When you deposit cash in a bank, the bank creates an IOU out of thin air. Similarly, when you take a loan out of a bank, the bank creates an IOU out of thin air. However, due to accounting conventions, the latter action results in net money creation, while the former action does not. My principal and interest are {$960.00} yet CrossCoutry state that principle and interest are {$1000.00}. The way they keep repeating it as if to make the audience believe that is my true principle and interest rate but that money would be correct if I paid insurance through them. I pay my own insurance not through escrow like they want.
CrossCountry creates a fictional debt out of thin air to undo enrich CrossCountry Mortgage never actually told me who the Insurance company is, now want me to pay as part of my mortgage and my escrow account which I request that CrossCountry Mortgage close. I also advise CrossCoutry that I
will secure my own insurance because I dont feel comfortable that my Lender is also my broker. CrossCountry wishes to act as the broker for me my hazardous Insurance. CrossCountry wants me to get insurance through them. The problem I have is that there is a conflict of interest. A Brooker
makes money as a percentage of the premium and the higher the premium the more they make. What guarantee they will not secure the highest premium to increase profit? That would come into direct conflict with my need. Im hoping to secure the lowest possible premium for myself. Notice on their response they forbid me to get insurance on my own like Im a child. You cant for someone to do business with you it's unethical and amounts to slavery. The Thirteenth Amendment to the United States Constitution abolished slavery and involuntary servitude, except as a punishment for a crime. The amendment was passed by Congress on XX/XX/1865, and ratified by the required 27 of the then 36 states on XX/XX/1865, and proclaimed on XX/XX/XXXX.
I accuse CrossCountry of trying to unjustly enrich themselves by forcing me to accept CrossCountry Mortgage as a broker, therefore, condition me as an involuntary cash-generating client to enrich themselves through higher premium profit. Im looking for my own financial interest just as the bank lookout for their owns a financial interest. They seek to remove my right to choose and surrender it to them as if they know best what I want. They dont even know what type of policy I might be looking for.
Fact, I have submitted proof that I have a tax waiver from XXXX county New Mexico.
Fact, I have submitted a bank statement as a form of signed return check for the amount they say I owed and have cash.
Fact, I have submitted proof of my payment activity from XXXX XXXX, and that payments are sent out on time and on schedule.
Fact, I have submitted proof that I pay my own hazardous insurance on my own using XXXX as a broker and Travel insurance as the policyholder to bundle all my insurance so that I can get a discount.
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| 01/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I am submitting this complaint against my mortgage company, CrossCountry Mortgage, due to their continuous mishandling of my mortgage account. I am unable to get any assistance or resolutions with the issues I will detail below, and I need them resolved ASAP.
On XXXX XXXX XXXX I was approved for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attached proof to this communication of the approval and fund disbursements. According to CrossCountry Mortgage XXXX XXXX Department, they received notification from the XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, of my XXXX approval. According to the XXXX XXXX XXXX XXXX, they notified CrossCountry Mortgage of my approval weeks before this as they had to verify my loan and amounts due.
On XXXX XXXX XXXX a check for {$26.00}, XXXX reference # XXXX was issued to CrossCountry Mortgage to pay for my past due balance from my XXXX Forbearance. This was issued to cover mortgage payments for months XX/XX/XXXX through XX/XX/XXXX. The remaining balance was to go to my escrow account. On XXXX, a check for {$1200.00} reference # XXXX was issued to pay for my XX/XX/XXXX mortgage payment. There will be XXXX more checks issued by the XXXX XXXX XXXX XXXX to pay for mortgage payments XX/XX/XXXX, XX/XX/XXXX.
I would like to add that my mortgage payments are only {$1200.00} as I had paid for my escrow shortfall, so the additional amounts need to be applied accordingly. I have spoken with CrossCountry Mortgage on correcting this in the system but they advised they would do this when they close out my account from the loss mitigation process.
Back on XXXX XXXX XXXX I was told that it should take no more than 30 days for the funds to be allocated to my mortgage account, the past payments that had accrued from my XXXX forbearance. This did not happen. There have been no updates on my account at all.
CrossCountry Mortgage has a XXXX XXXX XXXX XXXX XXXX ) department that is responsible for processing these payments. I have been told they are an internal department, so I am not able to speak with them. I have had the loss mitigation department email them multiple times. I have requested to speak with a XXXX multiple times and still have not received a call back from one. This is the treatment that I have experienced the entire time I have been in the forbearance/loss mitigation department.
I am needing this matter expedited ASAP. CrossCountry Mortgage has the funds to bring my account current and they have had them going on XXXX months now.
Today, XX/XX/XXXX, I received a communication from CrossCountry Mortgage. It was a Loan Modification Offer advising if I do not act now I will be facing foreclosure due to being extremely past due. This was very upsetting. I have spoken with CrossCountry loss mitigation department multiple times and they never mentioned this offer or document. I fear that this offer will somehow interfere with the process as CrossCountry Mortgage has dropped the ball consistently when it comes to these matters. Regardless, they need to apply the funds they have been paid by the state to my account.
I have now received XXXX calls from the collection department at CrossCountry Mortgage trying to collect the money they have been issued already to settle my account. Since I am still in the loss mitigation department, I should not be receiving collection calls. CrossCountry Mortgage is now threatening me with foreclosure. I have done all that I am supposed to do throughout this entire forbearance process. Since my many calls to them have not resolved anything, I am submitting this claim to CFPB for assistance.
Sincerely, XXXX XXXX
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| 11/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
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To whom it may concern, A cancellation has occurred with my insurance coverage on my property, and I do not believe that I am to blame for this issue as I was escrowed, and insurance was billed to the servicer. It has caused my policy to be cancelled and an expensive lender placed policy to be placed. I believe the servicers and/or my agent are at fault. Below is a timeline of the events. All parties contact information is included at the bottom. I called and emailed all companies below to gather the below details.
1. My XXXX loan closed on XX/XX/XXXX with Cross-Country Mortgage with insurance purchased through XXXX XXXX, XXXX for XXXX XXXX XXXX. The policy was underwritten by XXXX XXXX The policy premium was {$1500.00}. The insurance was paid through the lender at closing and was XXXX for future payments.
2. My solar panels were not in the policy at this time. The mailing address on the insurance application was XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, FL XXXX. This was our furnished rental since my family, and I moved for a new employer. We did not change our address with the USPS to this address and obtained a XXXX XXXX instead for all mail forwarding from Maine to Florida. My wife and I made a mistake signing this with the incorrect mailing address as it was only our temporary physical address.
3. On XX/XX/XXXX, I asked the insurance agent to include the solar panels to my policy. This was completed on XX/XX/XXXX when I e-signed the endorsement request. This was before closing and was to be billed to servicer as loan was escrowed.
4. At this point I believed that all was completed and paid for by my originator/servicer. The endorsement amount for solar panels of {$140.00} was never paid by anyone.
5. XX/XX/XXXX Closing 6. XX/XX/XXXX Velocity mailed the bill and policy updates to me at the XXXX XXXX XXXX mailing address AND Cross-Country Mortgage who was also my servicer until it transferred to XXXXXXXX XXXX on XX/XX/XXXX. My call with Velocity stated they also notified my agent. NO ACTION TAKEN BY ANYONE.
7. XX/XX/XXXX XXXX loan transferred to XXXXXXXX XXXX
8. XX/XX/XXXX Velocity Risk mailed cancellation notice to Cross-Country Mortgage ( and XXXX address ) due to unpaid amount for solar panel endorsement of {$140.00}. Nothing was done by Cross-Country Mortgage to notify then new servicer, XXXXXXXX XXXX
9. XX/XX/XXXX XXXX XXXX mailed final cancellation notice to XXXX address and Cross-Country Mortgage. Unsure if they notified insurance agent again. Cross-Country Mortgage appears to have ignored the notices and did not inform the new servicer or reach out to me.
10. Appears no one sent notice for Mortgagee Clause change to Velocity as this would have led to discovery of a policy cancellation and lapse in coverage.
11. I was not made aware until XXXX XXXX XXXX seek policy renewal from Velocity.
12. XX/XX/XXXX I received my first letter from XXXXXXXX XXXX notifying me that my policy with Velocity was cancelled and I hadnt had insurance since loan origination!
13. I reached out to everyone trying to track down what happened. Everyone pointed the finger at me because I didnt pay the endorsement, but I never knew it was due! It was billed to escrow and send to Cross-Country.
14. I obtained a Citizens policy right away. I then cancelled that policy in place of a better and cheaper policy with XXXX XXXX. I have had coverage with XXXX XXXX XXXX XX/XX/XXXX.
15. I am now responsible for {$6.00}, XXXX in lender placed insurance coverage for the gap in coverage left from the negligence of all parties involved with the handling of escrow and an unpaid and unforwarded bill for {$140.00}.
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| 11/04/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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hi. i contacted a real estate agent to buy a condo. before looking for condo 's, he wanted me to get pre-approved for a mortgage 1st. I sent the mortgage lender all the information she requested. I gave her my savings acct, checking acct, brokerage acct, IRA account & credit score papers. i 'm on social security XXXX ( XXXX ). i gave her my XXXX Verification/Award Letter, as well as my XXXX Payment History. She also asked for my last 2 Tax Returns. i told her that i would get that from my tax preparer & send that as soon as i can.
As soon as i told the mortgage lender that i was on XXXX, she told me that it would be impossible for me to get pre-approved, unless i have a written notice that my XXXX will be permanent for at least the next 30 years. She sent all my documents to her Operation Manager, as well as her Underwriting Team. They reviewed my information. She now tells me that instead of a 30 year guarantee, I would need in writing a guarantee of at least 3 years.
Btw, the amount of money I already have saved is substantial & my credit score is outstanding. Before speaking with this mortgage lender, my financial advisor told me that I should have absolutely no problem securing a mortgage, given my sensational financial status & my unbelievable credit score. The mortgage lender basically told me that even though all my credentials are outstanding, that the only thing that really matters, is my ability to pay back the loan. She basically ignored all of my information & focused ONLY on my XXXX & that written guarantee of 3 years. I felt depressed, hurt & frustrated.
I went back to my bank 's financial team, who told me that was discrimination of XXXX people. I also searched the internet & found that according to the Consumer Financial Protection Bureau XXXX CFPB XXXX, the Equal Credit Opportunity Act ( ECOA ), as well as the Financial Housing Agency ( FHA ), that what the mortgage lender told me is against the law. You can not hold a XXXX person at a higher standard from anyone else & that public assistance income should be treated the same as regular income. As long as the XXXX document does n't say it will expire in 3 years, you are perfectly fine.
After being totally humiliated by the mortgage lender, my bank 's mortgage team reviewed all my information, praised me for having such a strong financial background & amazing credit score & basically granted me a pre-approval for 30 years at almost NO INTEREST at all. I got the best deal that anyone could possibly get & that most people could n't even qualify for.
Since I already have been pre-approved, i am just filing a complaint for all the other XXXX people in this country. This mortgage company basically is discriminating against all XXXX people regardless of their financial status, since almost no one, whether you have XXXX, XXXX XXXX, XXXX XXXX or anything else, can get a letter from XXXX that guarantees that their XXXX is permanent.
When i told the mortgage lender that i already got pre-approved & that their mortgage company is discriminating, she basically said that I was wrong. Also, even though i told her that i already got pre-approved elsewhere, after hearing the word " discrimination '', she sent me a credit authorization form & also told me to re-send all my documents to her & her team would thoroughly review them. And she STILL asked me for the written guarantee of 3 years. I was shocked. Why would she want me to send all that information again, even though i still can not provide a guarantee of 3 years, which means i would still be denied approval, based on her company 's policy?
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| 09/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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My complaint is against Cross Country Mortgage for two primary concerns/ issues : 1. Mortgage Processing : during the course of the mortgage processing of my new home ( XX/XX/2021 through XX/XX/2021 ), the Cross Country Mortgage broker, XXXX XXXX, not only did not adequately protect our personal information but added on unforeseen charges without our consent or knowledge, incurred on-going constraints, and inordinate requests for information that were not disclosed up front. Example : There were no less than 5 different people ( many of which did not show up as a Cross Country employee ) indicating they were part of Cross Country all requesting personal sensitive information from me as part of the mortgage processing -- their names were never disclosed to us by XXXX in advance. Another Example : We were told to wire the final closing amount ahead of the closing on Monday, XX/XX/XXXX. I wired the closing payment ( including mortgage, survey etc ) on Friday XX/XX/XXXX. On that Friday night, after I wired the money, XXXX, the broker, called and abruptly stated that I " must '' pay an additional {$900.00} at closing -- this was NOT disclosed in the settlement papers and was indeed an unexpected " add on ''. When I tried to obtain a rationale from the Broker for any of the broker 's numerous requests, including the inordinate amount of intrusive personal information, I was met with contention and obstinance instead of provided with education and help. The entire process with this broker was extremely unpleasant and lacked any kind of business etiquette/ethics. In addition, I don't believe I received an unbiased mortgage rate ... XXXX Further more I believe this mortgage broker did not provide an unbiased mortgage rate -- -I believe I was charged a higher mortgage rate as retaliation for my inquiry into the rationale for his actions -- I have a very high credit rating -- XXXX, I had more than adequate assets, and represented next to no risk for the brokerage ) I do believe this broker and his company should be investigated for inappropriate, biased, and perhaps even illegal conduct including the misuse of sensitive personal information and inappropriate charges.
2. Payment processing : Cross Country Mortgage sent us the payment processing envelope and instructions for our first mortgage payment by check just 4 days prior to when the payment was due ( yet back dated the letter for two weeks prior ) and then indicated if we did not pay by the due date, XXXX, we would be charged a late fee. The only form of payment directed by the mortgage company was a check, no way to send money electronically. I mailed my check immediately upon receipt on XX/XX/XXXX. When I tried to call the customer service number provided by Cross Country on Monday morning, XXXX, XXXX for help, no one answered the phone. It took me repeated phone calls before I received a call 2 days later, XX/XX/XXXX. When I explained the situation, I was told by the representative that there is little he can do and that I will likely get phone calls indicating my late payment and threatening late fees. When I asked why this is, he told me it would take up to 3 weeks to process my check and his only excuse is that the mail is slow these days.
Bottomline- this company and its brokers have poor business practices, if not illegal and unethical, are unfairly and perhaps detrimentally impacting its clients and putting our personal and financial information at risk. I sincerely hope the CFPB will look into this company, the broker and its practices.
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| 05/31/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I purchased my home XX/XX/XXXX using a XXXX loan through Cross Country Mortgage LLC. I was receiving XXXX XXXX XXXX at the time and in my home state XXXX % do not pay property taxes. I was aware I would have to pay them for the first 12 months. I was awarded XXXX XXXX XXXXXXXX 10 months after purchase. I called my mortgage company and explained the update on XXXX and asked what are the steps need to have property tax removed from payments. In mid XXXX I received a bill stating that my mortgage would be going up in XXXX from {$1500.00} to {$1600.00} due to escrow shortage for projected taxes. I went to my county assessment office and retained tax bills and homestead exemption forms signed and stamped. I emailed them to the email XXXX which was the email given by customer service to send all documents in to have escrow and payments adjusted. I sent these emails monthly starting in XX/XX/XXXX up until XX/XX/XXXX just to make sure they were the correct documents and I was told by customer service my escrow and payments would be adjusted come XX/XX/XXXX. I called the company on the XXXX and was told I would have to wait until the new tax bill comes out to have anything adjusted and the new bill from the county wasn't available until XX/XX/XXXX. During the XXXX timeframe I had been emailing and calling weekly to get some update or to even start a claim, nothing happened. XX/XX/XXXX I send another email to the provided email address and called later in the week was told they received all documents and escrow account would be adjusted in 10 business days. I called after the waiting period and was told no claim was ever submitted. customer service stated they were putting in a claim now and it would take another 10 business days. XX/XX/XXXX comes and I call again and was told my escrow account analysis is being ran and would be complete in 5 days. I wait and call back following week to see if it had been complete nothing has been completed customer service rep stated there was a day delay in escrow department. I asked to speak to a manager or supervisor, Supervisor XXXX from the company stated that the customer service rep gave me the wrong information and due to me waiting to have my mortgage adjusted I did not pay XXXX mortgage by the XXXX, she would waive the late fee and credit reporting. I asked when everything was to be completed she stated she put in a claim for mortgage adjusted and sees that my taxes were adjusted and paid out correctly but not my mortgage payments. She also stated my mortgage payments would be roughly {$1200.00} once the analysis was completed and that I would not see any update until XX/XX/XXXX and to call back around that time. During this entire process I was also texting and calling my lender at Cross Country Mortgage LLC XXXX XXXX and he only replied once and that was to email tax documents to his workers XXXX which I did. I texted and called and no replies afterwards or updates. I tried reaching my relator due to her working closely with him to see if she would be able to have him contact me or has some direction to assist me. I got a call from the relator on XX/XX/XXXX to see if she was able to assist with anything and she stated XXXX had lied to her directly stating that I never reached out to him so she reached out to help me with or at least try to go with another company. I spoke with someone she recommend from XXXX XXXX and was advised to file a complaint seeing as though I've tried to communicated with the company directly via phone and email.
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| 08/28/2023 |
Yes |
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
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Back in XX/XX/2023 I filed a claim with my insurance company regarding some water damage that occurred in my kitchen cabinet under the sink. The issue was fixed and checks were distributed from my insurance company one in the amount of {$7900.00} and another for the amount of {$5000.00} to pay all parties involved in the repairs of the damage. Checks were sent to my mortgage companies Loss Draft department between the months of XXXX XXXX XXXX
The first check for {$7900.00} was stalled from being returned back to me because according to Loss Draft I was in XXXX XXXX process the date of the loss therefore resulting in them withholding payment and only releasing 20 %. I was informed that XXXX XXXX would have to give approval to release funds despite the fact that I was no longer in XXXX XXXX due to HUD paying the delinquent amount in full. I then contacted XXXX XXXX myself to see what can be done and it was explained to me because my XXXX XXXX case has been resolved that there is no need for approval as I am current in my mortgage payments. The check was finally released after back and forth communication with the false information that they received an approval despite what I was told from the actual department as well as the XXXX XXXX representative contacting Loss Draft on a three way call to assist me in resolving the matter. They then told the representative that my ex-Husband who is not on the check, not on the deed but still attached to the loan had to sign the check as well. This was the reason for delaying the check from being sent back to me. Eventually it was discovered that the information received was false and that they were behind in processing checks, it was eventually released and sent back XX/XX/2023.
To date they are still withholding the check in the amount of {$5000.00} and continuing this process of delaying it claiming to need additional documentation from the same claim thats been resolved by inspection at 100 % and a certificate of satisfaction. I finally received someone that understands my frustration and was able to assist me in getting the final payment released to me. I am to expect the check by the end of the week.
I also want to add that I signed paperwork agreeing to a partial claim to assist with my delinquency and it stated that my first mortgage payment for XX/XX/2023 would be {$1400.00}. Upon receiving the first mortgage statement after the delinquency was paid by HUD the mortgage payment is {$2300.00}. It was explained to me in XX/XX/2023 that the increase was due to negative escrow, increase in taxes as well as increased homeowners insurance. I received a phone call a week after this call from the mortgage company attempting to collect the debt of the first mortgage payment. I explained to the representative that I was aware that the mortgage was late and that I needed a little time being that the amount had increased a lot compared to what I signed. The representative suggested I do a XXXX XXXX packet to get assistance and I informed them that it was not needed. Someone started a XXXX XXXX request on my behalf via the portal despite me stating it wasnt necessary. It is my belief that this was done in an effort to withhold the final insurance claim payment and delay the process as its been done this entire time. I wish for the mortgage company to send over all communication between myself, Loss Draft, XXXX XXXX and XXXX XXXX pertaining to the funds sent for the claim.
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| 10/24/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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The difficulty with paying our mortgage is mostly due to our part time job losses in XXXX. Previously, my job at XXXX XXXX XXXX XXXX XXXX would generate income of at least {$10000.00} per year. While it is not certain that this job loss was XXXX-related, the company relied on consulting and market research business, which did take a significant hit in XXXX and XXXX. Additionally, my fathers part-time job at XXXX XXXX had to be suspended from XXXX to XXXX of XXXX due to the danger ( He was XXXX XXXX XXXX at the time ) of him working during the onset of the XXXX pandemic. He was able to collect unemployment, however, and I retained my full-time job as a XXXX.
As a result of these stoppages, I decided to return to graduate school in XXXX to add a teaching certification so that I could find employment with a higher income.I am attending graduate school at XXXX XXXX XXXX full time and actively searching for a new job. However, the additional expense of tuition-related expenses has been tough to handle after losing the XXXX & XXXX XXXX XXXX XXXX XXXX Moreover, XXXX XXXX and XXXX XXXX were forced to lease a new vehicle when their well-maintained XXXX XXXX finally gave out in XXXX.
In XXXX, we decided to pursue loan mitigation on our own in XXXX. Due to an apparent miscommunication via postal mail, we were told that we had missed the window for loan mitigation. As of XX/XX/XXXX, it became very difficult to meet the mounting expenses as a family. We had to cease mortgage payments at this time. On XX/XX/XXXX, we were informed that the loan was in default and that we had until XX/XX/XXXX, to cure the debt or foreclosure proceedings would be initiated. Once again, we decided to pursue loan mitigation, and another communication error with postal mail occurred. The company informed us that we had missed the window for mitigation, and that the foreclosure process could begin in XXXX. After consulting with a loan XXXX at XXXX XXXX on XX/XX/XXXX, we were advised that foreclosure should not have been initiated in such a short period of time ( only XXXX missed payments ).
Once again, we decided to pursue the loan mitigation option and submitted documents to the mortgage company in XX/XX/XXXX. During this process, I changed the document delivery method from postal to electronic delivery ( a portal ), which seemed to speed up the process. Unfortunately, after several months of continuing to submit payroll and bank statements, there was a delay in processing the package. We kept receiving letters that indicated we were missing items and/or needed to update payroll and bank documents. Additionally, the mitigation department kept sending for an insurance income documentation for my mom. I drafted a letter that stated there was no such income, and submitted that through the portal. After consulting with the loan mitigation department via telephone call, we were advised to submit documents directly through an email address to speed up the process. We sent the missing documents again on XX/XX/XXXX. We felt confident that this speedier method would expedite the process and clear up any misunderstanding.
Unfortunately, we were informed on XX/XX/XXXX, that we had missed the window again for loan mitigation due to the omission of an explanation of {$1100.00} of other monthly income on the application. This had never been addressed in ANY of the previous update letters. As a result, we have decided to seek assistance with CFPB.
|
| 10/21/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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It was time for my wife and I to buy our first home. I had done -YEARS- of research, so I knew to talk to someone who handled first time homebuyers programs. I found a list of contact information on XXXX : XXXX.
I called XXXX XXXX with Cross Country Mortgage. She seemed nice on the initial call, so I decided to do business with her. So, dealing with this woman was an all around nightmare. Trying to get more information or a clarification on whatever step of the process we were on was like trying to pull blood out of a turnip. But when she wanted something from me, it was super right-freaking-now kind of important. I understand that this is apparently just how mortgage people are, but its still really unsettling to feel XXXX through the most expensive purchasing process we have to go through as adults. I really began to feel ill at ease when she actively talked me out of using the first time buyers programs from the government. You know, the one that was the reason I called her in the first place.
However, her unprofessional nature was truly spectacular. She only seemed to want anything from me late at night. Correspondence happening at XXXX on a Tuesday night that requires me to print sign scan and send back documents RIGHT NOW is inexcusable in any level of professionalism. As is having my mother in law and other interested parties on the phone at XXXX the day before we were supposed to close asking for additional paperwork.
And then we get the inspection. My pitched roof has 3 years life, flat roof has a year left.
Insurance quote time. I try several agencies, each trying several insurance companies. All of the companies reject the policy due to the flat roof age on the 4 point inspection report. Everyone tells me that the flat roof MUST be replaced or repaired prior to being insurable. I was kinda prepared for that, I was ready to try and work out a deal with the sellers for a cash concession of some sort to help offset the cost of getting the repairs done. We had asked for zero concessions at that point, so I was ready to go to battle, as it were.
And then XXXX calls me and says she has a company that will bind the policy with the home as is. My wife and I were really excited about this house, so we agreed happily and told her to go for it! I never spoke with an issuing agent, I just got a binder of insurance in my email. Everything is totally great for like, 5 minutes.
XX/XX/XXXX I get a letter from citizens insurance stating that my policy is cancelling due to the roof age. WHAT?!?!!
MANY calls to XXXX insurance, The XXXX XXXX, and a few with cross country mortgage, I find out that the issuing writer at XXXX XXXX XXXX is my mortgage writer, XXXX XXXX XXXX, XXXX.
I am unaware of whether XXXX gave her son bad or lacking information to get my home insured, or if XXXX took it upon himself to issue me an insurance policy KNOWING that it would get kicked in underwriting, or if it was both of them together. I do know at this point that XXXX is no longer working for The XXXX XXXX due to unsatisfactory performance with, what was told to me, several other citizens policies.
One way or another, I dont feel that I can allow XXXX XXXX XXXX be inflicted upon the world.
As I sit right now, Im in my new-to-me home, with NO insurance, waiting on a roof repair guy to come before I can buy ANOTHER insurance policy that I have no idea how to afford.
She should NOT be allowed to do this to anyone else.
|
| 10/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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When pursuing a home mortgage application with Cross Country Lending, I spoke several times with XXXX XXXX, XXXX # XXXX.
I was initially pleased with the level of service that XXXX was providing to us, but when we saw a better deal at a competitor his sales tactics became more aggressive.
XXXX repeatedly implied that the locked loan estimate we had from [ COMPETITOR ] was somehow not accurate and that [ COMPETITOR ] would surprise us with a higher interest rate at closing. A surprise change of terms after a signed agreement would likely be illegal. If XXXX has proof of competitors doing this, he should report it to the appropriate regulator. If he does not have proof, it is inappropriate to make such statements about a competitor to potential clients.
XXXX repeatedly told us that [ COMPETITOR ] was known in the industry for terrible service. This appears to be false as [ COMPETITOR ] is listed by XXXX as one of the top 10 originators for customer satisfaction in the industry. XXXX XXXX XXXXXXXX % XXXX % XXXX % XXXXXXXX XXXX XXXX XXXX repeatedly told us that [ COMPETITOR ] would fail to close our loan on time and that [ COMPETITOR ] is known in the industry for not closing loans. This appears to be false as [ COMPETITOR ] is one of the top 10 originators in the country by volume and closes thousands of loans each day.
XXXX XXXX XXXXXXXX XXXX relayed concerns about our financing with [ COMPETITOR ] to our real estate agent which I believe was an effort to co-opt our real estate agent into pressuring us to work with him. Our real estate agent, of course, has a duty to help us pursue the best financing terms possible, not to market one particular lender with less favorable terms.
XXXX stated that he had talked to the selling agent and she was very concerned about our ability to secure financing and had only accepted the offer based on us using XXXX financing. This appears to be false. When I spoke with the selling agent a short while later, I mentioned that we were still shopping for financing and might go with a different lender. She said it was none of her concern who we financed with.
XXXX stated that if we had an issue with [ COMPETITOR ] and we failed to meet our mortgage contingency we could lose the house AND loose our entire down payment. This is false, as our offer letter clearly stated that all deposits would be refundable if mortgage financing fell through. XXXX had read our offer letter prior to making this statement.
Ultimately, we had significantly better financing terms through [ COMPETITOR ], but XXXX continued to aggressively market his own products which would have cost tens of thousands of dollars more over the lifetime of the loan. 12 USC Chapter 51, SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LENDING, 5101 ( 8 ) states that Mortgage Originators should " to the greatest extent possible, be required to act in the best interests of the consumer ''. I did not feel as though XXXX was acting in my best interests.
My background gives me the knowledge and experience to navigate the financial system with confidence and grants me relative immunity to these type of deceptive practices. However I believe that having such knowledge also burdens me with the responsibility to call out such practices and report them to the appropriate regulators. It is my hope that this prevents others from being deceived in the future.
|
| 09/12/2023 |
Yes |
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- Trouble during payment process
- Escrow, taxes, or insurance
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|
Web |
Servicemember |
|
I am writing to register my vehement and justified outrage concerning the recent escrow analysis carried out by the utterly inept CrossCountry Mortgage and their equally contemptible associate, XXXX XXXX XXXX Their audacious proposal to increase my monthly mortgage payment by a staggering {$520.00} is nothing short of a reprehensible attempt at financial extortion, especially considering their track record of gross incompetence and deceit. As of XX/XX/XXXX, CrossCountry Mortgage has the audacity to claim that there's a deficit in my previous year 's escrow account, necessitating a minimum escrow balance of {$2500.00}. Yet, their demand is laughably unfounded, given the facts : - XXXX : {$9800.00} ; - XXXX : {$9400.00} ; - XXXX : Approximately {$10000.00}. Even a grade-schooler could see that these figures do not support CrossCountry Mortgage 's ludicrous demand for an additional {$5000.00}. It's abundantly clear that this is nothing more than a blatant money-grab, driven by their sheer incompetence and greed. My prior dealings with CrossCountry Mortgage and the abysmal XXXX XXXX XXXX were nothing short of a nightmare. During a period just this year in XXXX when trying to be proactive about needing help with my mortgage that was marked by the turmoil of divorce and near-bankruptcy, their behavior was marked by an appalling lack of empathy, a maddeningly inefficient operation, and response times that could only be described as contemptuous. These experiences forced me into a debt management plan to mitigate the fallout from their staggering ineptitude. To add insult to injury, an additional {$520.00} on my monthly mortgage payment would be nothing short of financial ruination. My previous run-ins with CrossCountry Mortgage, where they not only fumbled escrow calculations but also had the audacity to blame me for their incompetence, have obliterated any trust I may have had left for this despicable company. Their ongoing pattern of what appears to be coercive tactics and abhorrent loan mismanagement cries out for a comprehensive and merciless investigation. I insist that the CFPB and the SEC launch an immediate and uncompromising inquiry into the practices of CrossCountry Mortgage and XXXX XXXX XXXX Let the numbers speak for themselves : property taxes saw a minuscule 1.6 % increase over XXXX years, with a 4.18 % drop in XXXX and a 6 % rise in XXXX. CrossCountry Mortgage 's outrageous attempt to inflate my property taxes by an astonishing 40 % is an affront to reason and deserves nothing less than a full-throttle investigation. Furthermore, it's nothing short of infuriating how CrossCountry Mortgage can notify me of a colossal 15 % payment hike within a pitiful XXXX window, while their response to individuals grappling with life-altering crises like divorce or job loss remains mired in infuriating indifference. This stark contrast underscores the company 's brazen disregard for the welfare of ordinary citizens, choosing instead to prioritize their insatiable greed. I demand your immediate, unrelenting action in this matter. My fervent hope is that your intervention will not only rectify this gross injustice but also serve as a resounding rebuke to CrossCountry Mortgage 's abhorrent practices, sparing others from the misery they've so callously inflicted.
With contempt, XXXX XXXX
|
| 10/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I purchased my home and closed XX/XX/XXXX. This date happened after missing 2-closing dates, risking the loss of the property we won at auction. The ongoing incompetence of the loan officers, losing documents over and over, mixed with the tones of discrimination, as they wanted proof I was an American, due to my married last name XXXX. My maiden name is XXXX. These loan officers are with Cross Mortgage located XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX the senior loan partner XXXX XXXX was brought into the process when her direct report XXXX XXXX, was out of his area of expertise to put our loan package together. XXXX made the statement I would need to prove my identity. At one point after a conference call they thought myself and my agent had disconnected from the conference call, they began back office chatter, when XXXX XXXX made the statement I knew this was going to be a mess from the moment the file landed on my desk, she will never be approved. This was said to her direct report XXXX. Why did they lose documents over and over, causing us to miss our closing dates 2-times? This experience had discrimination all over it from my experience. The head of the organization stepped in during the last hour of the weekend and put another loan officer to complete the documents to get to closing by Monday at XXXX. Both XXXX & her direct report XXXX were removed from the process. The loan closed on XX/XX/XXXX. We provided the down payment along with the escrow funds to purchase the home. Cash to close {$760000.00}, while closing costs were {$16000.00}. We were told taxes for escrow were {$3500.00}. We were told to purchase homeowners insurance for the entire year, which was purchased for {$1400.00}. Original cash to close was {$97000.00}, subtracting all the fees, leaving {$76000.00} owed. They left an XXXX XXXX dollar amount of {$2300.00}, that was not accurate and was not proven this was owed by XXXX XXXX. XXXX did not confirm this amount and they did not remove this amount, there were no adjustments. There is a line item of {$1700.00} ( for items unpaid by the seller ) which I do not understand. I dont understand any of the line items on this document. Fast forward to XXXX, XXXX, someone began to report an additional {$5000.00} to my credit report adding this to my mortgage. After making several phone calls, tax authority, to the loan servicer called XXXXXXXX XXXX no one could provide me the answers I was looking for. I have never heard of the escrow funds being reported and added to the mortgage balance. Meanwhile, my escrow payments are in my monthly payments, building the escrow account, for my taxes which are not due until XXXX for XXXX taxes. To date, no one is giving me any answers to this situation. This has developed since checking my credit reports, which are showing inaccurate information and continues to. XXXX XXXX, I paid off my home loan. It continues to show the loan transferred and it is reporting 2-different loans, both inaccurate information. All of this is negatively impacting my credit score, while this is increasing my debt unnecessarily. I can't refinance this home to continue rehabbing a home, that had no working heat, broken plumbing etc... These issues are causing my unnecessary pain and suffering, while nothing is reporting correctly.
|
| 09/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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On XX/XX/XXXX I closed on my first home and used CrossCountry as my mortgage provider. At closing, I paid for a full year of insurance on my home up front. Additionally, CrossCountry collects escrow for my insurance so that they can renew my insurance when the time comes using those funds. On XX/XX/XXXX ( almost one year later ), I receive a notice from CrossCountry regarding my insurance being expired and asking me to send them proof of my new insurance. Being a novice homeowner and being unfamiliar with all these matters, I figured CrossCountry was reaching out to me because I was almost at my year mark with my insurance and it was almost time for me to renew, so I figured I just needed to send them my insurance renewal documents. At this time, I call my insurance company, XXXX XXXX XXXX, to ask them for insurance renewal information. This is when I first find out that my insurance was apparently cancelled back in XX/XX/XXXX and I had never been notified. According to XXXX XXXX XXXX, they notified me and my lender and sent me a refund check for the remaining unused premium. I confirmed with them that the check never cleared. Of course it never cleared, because I never received it in order to deposit it. A new check was issued to me on XX/XX/XXXX, which I did receive and I did deposit. I quickly found an insurance company that was willing to insure my home and got new insurance. On XX/XX/XXXX I received a notice from an insurance company indicating that force placed insurance was placed on my home and it was now being cancelled and the total was upwards of {$4000.00}. This was a new policy that CrossCountry JUST placed on my property at the end of XXXX after I sent them my new insurance information. They never contacted me directly to let me know anything regarding the forced place insurance, the only notice I received was from the insurance provider they used. They are now charging me for force placed insurance from all the way back in XX/XX/XXXX- XX/XX/XXXX. They never notified me that I didn't have insurance, and my insurance provider never notified me. I have contacted both to try to mitigate this large cost but neither want to assist. I had paid my insurance in full up front, and XXXX escrow my insurance every month. I never thought that I would constantly need to contact my insurance provider and my mortgage to ask if I was still being covered. I fulfilled my obligations and made every payment in a timely manner. As soon as I found out I didn't have insurance, I was very quick to get new insurance. Had I been informed by my lender back in XXXX that there was a lapse in my coverage and that they were going to force place insurance, I would have taken every step necessary to get new insurance. I was not given this opportunity and am now being forced to carry this large financial burden. Additionally my insurance was cancelled for a reason that I could have made a case against, I was told it was cancelled because of an illegal alteration, but I have all the permits the previous owner provided me for that alteration, so it is not illegal. But since I didn't receive notice of this cancellation back in XXXX I never had the chance to argue my case.
|
| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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|
Croscountry Mortgage, started reporting late payments on my credit report starting XXXX through XXXX. Each month was estimated at {$550.00} per month. I reached out before and basically I was told its their policy but, " According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
|
| 05/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
XX/XX/2023 Cross Country Loss Mitigation Department Please refer to the complaint numbers XXXX and XXXX and XXXX submitted to CFPB.
Subject : Concerns Regarding Inconsistent Communication Resulting in Adverse Credit History and Personal Financial Impact Dear Cross Country, I hope this letter finds you well. I am writing in response to your recent correspondence dated XX/XX/2023.
While I appreciate the apologies extended, I must express my deep concern over the continued receipt of conflicting communication from your end. I recently received two separate correspondences from your organization. The first, dated XX/XX/XXXX, reiterated the approval of a Deferral Agreement, which provided a sense of relief. ( See attached ) However, on the very same day, I received another communication from you, also dated XX/XX/XXXX, but this time it was an attempt to collect a debt notice. It stated, in this communication, that my loss mitigation package was incomplete, requiring additional documentation pertaining to income, bank statements, and social security information ( see attached ). This inconsistency in communication is disconcerting and also disrupts our family 's peace of mind.
It is evident that your system inadequacies and mishandling of my case have had a detrimental impact on my credit history and financial stability. As a direct result of your inconsistent loss mitigation practices and the confusion caused by your system errors, two of my credit accounts have suffered among other detrimental consequences which I can easily document.
My business line of credit experienced a reduction in its credit limit, while another account had to be closed due to the mortgage delinquencies caused by this unfortunate situation. I have attached the relevant exhibits for your reference.
Despite your apologies, the actions taken by Cross Country continue to be inconsistent and deeply troubling for my financial stability and peace of mind.
Additionally, the unnecessary and confusing process surrounding the loss mitigation package has consumed over 75 hours of my time. This is a significant burden that should have been avoided had Cross Country and XXXX appropriately managed and handled my request for forbearance due to the hardship caused by XXXX XXXX in XXXX Florida.
I kindly request that you thoroughly investigate these inconsistencies in communication and take immediate steps to rectify the situation. It is crucial to my financial well-being and peace of mind that your systems accurately reflect my approved Deferral Agreement and cease any further unnecessary debt collection notices.
I expect a prompt resolution to these issues and a comprehensive response addressing the actions taken to rectify the situation. I am confident that with the right measures and due diligence, we can resolve this matter in a manner that is fair and satisfactory for both parties involved.
Thank you for your attention to this matter. I look forward to receiving your response. Should you require any further information or clarification, please do not hesitate to contact me as soon as possible.
Yours sincerely, XXXX XXXX XXXX XXXX : XXXX
|
| 09/04/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Good afternoon, I hope this email finds you well. I am not sure if you can assist me or direct me to someone that can help me with this situation.
My husband and I refinanced our home on XX/XX/2021. The new mortgage company was Cross Country Mortgage.
After settlement, I called Cross Country Mortgage and explained that we would like to get on the bi-weekly auto payment schedule. The agent said they did participate of program and emailed me the forms with directions. That email was sent to me on XX/XX/2021. To participate, you had to complete the form, pay {$150.00}, and pre-pay my mortgage by one month.
We completed the forms, enclosed a check for {$150.00}, and enclosed a cashier 's check for one month 's mortgage of {$1700.00}.
XXXX we received a letter from Cross Country that our mortgage was sold to XXXX XXXX XXXX
XX/XX/2021 I called XXXX XXXX ( new servicer ) to ask about the same program and verify they received my mortgage payment and if they needed anything from us.
XXXX XXXX informed me that there was no transfer of money during the transfer process.
Called Cross Country Mortgage and gave the representative loan number that was provided to us at settlement. They said that the mortgage number does not exist. I explained the situation and she had a representative call me. A new representative called me and she informed me that my mortgage payment should not have been mailed to the address that was listed on the bi-weekly program paperwork and that there is no money applied to our loan.
Called XXXX XXXX the issuing bank for the cashier 's check and Cross Country cashed the cashier 's check on XX/XX/2021.
Talked to XXXX XXXX with the corporate office after several calls to other departments. He informs me that my cashier 's check was applied to the wrong loan which is another XXXX family in Delaware ( not my loan ). He told me to call the XXXX XXXX department. I called the XXXX department spoke to several representatives and no one can help me. Their final recommendation was for me to call my current Mortgage company and ask them to create a work order.
XXXX XXXX created a work order but then closed it. They said there is nothing they can do because it was applied to a different mortgage loan.
Many calls to other representatives and asked for their supervisors. Nobody is willing to help.
XXXX I received an email from XXXX who is the manager of the XXXX department with Cross Country asking for my payment that XXXX XXXX is requesting the payment with the loan number that everyone tells me doesn't exist.
I have left a message every day for the past week and nobody has returned my calls.
I do not know where to go from here. Any assistance would be appreciated or guidance.
Attached- is the original email about the draft program, copy of my cashier 's check, copy of the cashed cashier 's check where someone wrote the wrong lona number in the memo line, email from Cross Country , and the letter where my mortgage was sold.
FYI- my loan is an FHA XXXX.
Thank you
|
| 04/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage company ( Crosscountry Mortgage ) maintains an escrow account responsible for paying my property taxes.
-For the tax bill year XXXX, I was issued 1 secured tax bill and 2 different supplemental tax bills.
-On XX/XX/XXXX I requested the mortgage company to pay one of the issued supplemental tax bills. I sent an email on this date with a copy of the single supplemental tax bill I wanted the mortgage company to pay.
-On XX/XX/XXXX, I called the mortgage company to inquire about payment status and the company said it was not aware of any request for payment. I resent the original email and the single supplemental tax bill I wanted the mortgage company to pay.
-On XX/XX/XXXX, the mortgage company sent me an email stating it paid both supplemental tax bills, even though I only requested that it pay one of the two.
-On XXXX of XXXX, the mortgage company issued an " escrow account projection '' which improperly estimated the property taxes it would pay on my behalf resulting in an inflated escrow payment. Specifically, the escrow account projection incorrectly added the supplemental tax bill amounts to all future property tax payments which is improper since supplemental tax bills are issued one time and are not recurring. For example, the actual secured tax bill is for two installments of {$1800.00} for a yearly total of {$3600.00} but the escrow payments are estimated as two payments of {$4200.00} for a yearly total of {$8400.00}. The escrow account projection estimates it will pay {$4200.00} for future property tax installments which are not supported by any current tax bill.
-On XX/XX/XXXX I sent a detailed email outlining how the escrow account projection was improperly calculated. The email included the original tax bill, the supplemental tax bills, and an analysis on how the escrow account balance improperly handled. Specifically, the email was an Error Resolution Notice under 12 C.F.R. 1024.35 intending to obtain a response as to ( 1 ) how the escrow payments were calculated ; and ( 2 ) comments on my analysis ; and ( 3 ) that there was an error in calculating the escrow payments and escrow balance.
-To date, I have not received a response to my email that addresses the issues raised in any manner.
-I have called the mortgage company multiple times, over 10. I have spoken to numerous customer service agents and their supervisors who all were able to review the documents in my file and arrive at the same conclusion that I have arrived to : the estimated escrow payments are incorrectly calculated.
-All the supervisors I spoke to submitted numerous work orders to the tax department and requested a call back from the tax department so that the issue can be discussed with me directly. I was informed that the issue was very plain and simple from the perspective of the supervisors and that the tax department just needs to implement the notes supplied in the work orders. However, the work orders are always closed with no response or call back and the issue is never resolved.
|
| 07/31/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
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Web |
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After receiving Loan Estimates on XXXX, XXXX, and XX/XX/XXXX that were all consistent, we received a Closing Disclosure on XX/XX/XXXX that was higher than the loan estimates. We were assured by our lender that we should just sign this form to ensure we have it signed at least 72 hours before closing on XXXX. Our lawyer told us that the closing disclosure numbers are not final, which is not our understanding of the Consumer Financial Protection Bureau 's direction that we should have an additional 3 business days to review changes that occur in the closing numbers after the closing disclosure.
On XXXX at XXXX XXXX CT, we received an XXXX from our lawyer with several changes from the closing disclosure and with closing scheduled on XXXX at XXXX XXXX CT, so only ~26 hours ahead of closing. I responded on XXXX at XXXX XXXX CT by email and asked a series of specific questions about the XXXX and changes I noticed. I then sent several other follow-up emails throughout the day but didn't hear back from my lawyer until XXXX at XXXX XXXX CT. She responded to a few questions but did not respond to all of them. I responded on XXXX at XXXX XXXX ( nearing a few hours before closing ) and asked for line-item responses and never received them.
On XXXX at XXXX XXXX CT, we received an updated XXXX that was slightly different than the one from XXXX at XXXX XXXX CT. This was supposed to be our final XXXX and significantly differed from the Closing Disclosure from XX/XX/XXXX. We expressed to our lender, our lawyer, and the escrow agent that we were uncomfortable with the numbers and the pressure to sign the closing documents. We were at closing for over two hours, and the escrow officer indicated to us that if we didn't sign soon that it was unlikely everything would be processed before the holiday weekend. Ultimately, we felt powerless in this process and that we could not negotiate anything or advocate for ourselves but either had to sign or wait until after the holiday weekend and push things back with no indications anything would be different for us.
We expressed after the fact to the lender ( Cross Country Mortgage ), to our lawyer, and to the escrow agency ( XXXX XXXX ) that we felt we had been mistreated through the process. Everyone pointed the finger elsewhere and told us there was nothing to do. When we brought up the 72 hour CFPB rule for changes to closing costs and requiring an additional 3 business days be supplied, we were told that it didn't apply to our situation.
Our title fees increased from a total of {$3300.00} on the XX/XX/XXXX closing disclosure to {$3700.00} on the XXXX XXXX, an increase of {$690.00}.
Our total closing costs paid at closing increased from {$10000.00} on the XX/XX/XXXX closing disclosure to {$15000.00} on the XXXX closing disclosure.
These last minute increases are exactly what CFPB is supposed to protect consumers from. None of the parties involved had any intention of changing these increases for us or doing anything to protect us from them.
|
| 03/14/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
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On XX/XX/XXXX, XXXX XXXX XXXX of CrossCountry Mortgage, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Tn XXXX was given permission to perform a credit application on my spouse and I for pre-approved on a FHA loan. Once CrossCountry Mortgage obtained a copy of both credit reports an agent representing CrossCountry Mortgage named XXXX XXXX contacted us. The Agent advised us that there were some things we needed to have removed from the disputes department with all three credit bureaus before approval. After starting the process of having the items removed from our credit reports the scores began to decrease rapidly within two weeks into XXXX of XXXX. Therefore, we contacted XXXX, XXXX, and XXXX on XX/XX/XXXX of XXXX, to inquire why our credit scores were taking a fall. All three Credit Bureaus advised several hard inquiries perform by CrossCountry Mortgage and XXXX XXXX was reason for the decrease in our credit scores. We advised all three credit bureaus that only one credit pull was authorize by us in order to get approval by CrossCountry Mortgage. The all three credit bureaus supplied us with dates and times The CrossCountry Mortgage performed each inquiry and mailed us paper copies of our report via USPS to our home address. Before we could address CrossCountry Mortgage to voice our concerns about the excessive inquiries made on behalf of their agent XXXX XXXX XXXX ; The CrossCountry Mortgage provided us with an email pre-approval letter on XX/XX/XXXX. Therefore, we didn't question XXXX XXXX XXXX the agent for CrossCountry Mortgage about the excessive inquiries, who was only given one authorization to pull our credit. After finding a home located at XXXX XXXX XXXX XXXX XXXX, TN XXXX, we placed a down payment of {$2000.00} dollars of earnest money for the home. Nevertheless, before closing, a vender was hired to inspect. The Veracity Home Inspection located at XXXX XXXX XXXX XXXX, TN XXXX, Owner XXXX XXXX XXXX conduct a home inspection on XX/XX/XXXX invoice to us. On XX/XX/XXXX, we received a call from a XXXX XXXX XXXX, an agent representing The CrossCountry Mortgage. XXXX XXXX advising, he would be completing our mortgage final obligations for CrossCountry Mortgage. On XX/XX/XXXX, XXXX XXXX called to say we did not meet the financial obligations due to our credit scores not qualifying. At this point we advised XXXX XXXX The CrossCountry Mortgage Company was responsible for the decrease in our credit score. Therefore, we voiced our concerns about their companys work ethics. XXXX XXXX continue with no hesitation to explain the at fault CrossCountry Mortgage and the termination of agent XXXX XXXX who is no longer with The CrossCountry Mortgage Team along with his deepest apology. On the very next day we called to speak with XXXX XXXX XXXX to file a complaint ; however, after several no contact with XXXX XXXX we sought out advise. Furthermore, the reason for filing a complaint with The Consumer Financial Protection Bureau XX/XX/XXXX.
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| 03/14/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/XXXX, XXXX XXXX XXXX of CrossCountry Mortgage, LLC XXXX XXXX XXXX, XXXX XXXX XXXX, Tn XXXX was given permission to perform a credit application on my spouse and I for pre-approved on a FHA loan. Once CrossCountry Mortgage obtained a copy of both credit reports an agent representing CrossCountry Mortgage named XXXX XXXX contacted us. The Agent advised us that there were some things we needed to have removed from the disputes department with all three credit bureaus before approval. After starting the process of having the items removed from our credit reports the scores began to decrease rapidly within two weeks into XXXX of XXXX. Therefore, we contacted XXXX, XXXX, and XXXX on XX/XX/XXXX of XXXX, to inquire why our credit scores were taking a fall. All three Credit Bureaus advised several hard inquiries perform by CrossCountry Mortgage and XXXX XXXX was reason for the decrease in our credit scores. We advised all three credit bureaus that only one credit pull was authorize by us in order to get approval by CrossCountry Mortgage. The all three credit bureaus supplied us with dates and times The CrossCountry Mortgage performed each inquiry and mailed us paper copies of our report via USPS to our home address. Before we could address CrossCountry Mortgage to voice our concerns about the excessive inquiries made on behalf of their agent XXXX XXXX XXXX ; The CrossCountry Mortgage provided us with an email pre-approval letter on XX/XX/XXXX. Therefore, we didn't question XXXX XXXX XXXX the agent for CrossCountry Mortgage about the excessive inquiries, who was only given one authorization to pull our credit. After finding a home located at XXXX XXXX XXXX XXXX XXXX, TN XXXX, we placed a down payment of {$2000.00} dollars of earnest money for the home. Nevertheless, before closing, a vender was hired to inspect. XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, TN XXXX, Owner XXXX XXXX XXXX conduct a home inspection on XX/XX/XXXX invoice to us. On XX/XX/XXXX, we received a call from a XXXX XXXX XXXX, an agent representing The CrossCountry Mortgage. XXXX XXXX advising, he would be completing our mortgage final obligations for CrossCountry Mortgage. On XX/XX/XXXX, XXXX XXXX called to say we did not meet the financial obligations due to our credit scores not qualifying. At this point we advised XXXX XXXX The CrossCountry Mortgage Company was responsible for the decrease in our credit score. Therefore, we voiced our concerns about their companys work ethics. XXXX XXXX continue with no hesitation to explain the at fault CrossCountry Mortgage and the termination of agent XXXX XXXX who is no longer with The CrossCountry Mortgage Team along with his deepest apology. On the very next day we called to speak with XXXX XXXX XXXX to file a complaint ; however, after several no contact with XXXX XXXX we sought out advise. Furthermore, the reason for filing a complaint with The Consumer Financial Protection Bureau XX/XX/XXXX.
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| 05/26/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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A few weeks after I bought my home I was diagnosed with XXXX and had to face XXXX that removed XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I was forced to take several weeks off of work and I began struggling to make my mortgage payment. Now my lender Cross Country Mortgage is telling me that they are going to foreclose on my house unless I pay the full past due amount of {$14000.00}. I bought my house with an FHA loan and put {$170000.00} down towards the deal and have a lot of equity. This situation was out of my control and I can't believe that they are aggressively pushing to foreclose when the temporary hardship has ended and they have not reviewed my financial information or my ability to pay, they are just trying to close the door. I want to file a formal complaint against Cross Country Mortgage because they are not offering homeowner assistance options that are required for FHA mortgage servicers such as loan modification, special forbearance, partial claim or repayment plan.
When I bought my home in XX/XX/XXXX I had a good paying job and anticipated no problem making the mortgage payments. One week after closing my doctor told me that I had XXXX under and inside my lip. I had to go into XXXX and they removed 80 % of my lip as well as XXXX XXXX XXXX and was recovering for over a month and was not able to work. I could only work part time over the next few months and had to sell my motorcycle and cash in my XXXX so I could keep up with the payments. However in XX/XX/XXXX I was diagnosed with XXXX in my ear and again had to take time off of work. I was very sick and out of it and after more time out I ended up losing my job which led to me being unable to make my mortgage payment.
At the beginning of XXXX I was in remission and back to work and attempted to make my mortgage payment and the Cross Country agents told me they would not accept the payment and that I needed to apply for homeowner assistance options. I have put together the paperwork three different times and submitted it to Cross County but I never am able to make progress. They have never reviewed my financial circumstances, my ability to pay, my hardship or provided any type of relief. I have the ability to pay and want to pay my mortgage, I just bought my home and put a very large down payment on the house. However, XXXX upended my life and put me through a very difficult time and I am grateful that the worst is behind me. I can't believe that Cross Country would close the door and deny me the opportunity to be considered for FHA homeowner assistance options such as loan modification, special forbearance, partial claim or repayment plan. My family 's financial circumstances have changed and improved and I am in a much better place and the hardship has been resolved. I just do not have the necessary funds to pay the full past due balance in one lump sum and need them to work with me on a plan to resolve.
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| 10/06/2019 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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To Whom It May Concern, Refinance House Loan Amount {$330000.00} Payoffs and Payments : XXXX XXXX : {$300000.00} ( Only paid {$300000.00} XXXX XXXX XXXX : {$9400.00} ( Paid in full ) XXXX : {$7100.00} ( Paid in full ) XXXX XXXX {$2300.00} ( Paid in full ) XXXX XXXX XXXX ( Paid in full ) XXXX Card {$290.00} ( Paid in full ) XXXX {$49.00} ( Paid in full ) I was told by XXXX XXXX that I would get back all of my escrow money, which was {$1500.00}. I only received a check for {$58.00}. I am not going to sign the check for this amount. XXXX kept {$1400.00} of my escrow. I was told by XXXX that XXXX did not pay the full amount and they only received {$300000.00}. They said that XXXX XXXX told them to take my escrow money. I then called XXXX XXXX and they said that Cross Country called XXXX and told them to use my escrow money to pay the difference.
I was lied to by XXXX XXXX. He told me I would receive all of my escrow money, then proceeded to call XXXX and take it. I was never told they were taking my escrow and I never authorized them to take my money. If I would have known this, I would have never taken the loan. That payoff was supposed to come out of the {$330000.00} that I borrowed.
When it came time to sign the papers, they tried to pull a fast one and wanted me to pay {$1600.00} up front. I was not aware and I told the person I am not signing anything. He left and then I called XXXX XXXX. XXXX said that was a mistake and then called the XXXX XXXX to redo the paperwork. The person called back in a couple of hours. They took off the {$1600.00}, then they pulled this with the escrow account. They robbed me of my money. I am wondering if they gave the person that we signed papers with the money. Something seems fishy about this situation.
He also had some {$1600.00} on the paperwork for half a point. I asked him what that was and he said dont pay attention to that, youre not paying for points. I asked him why that was on there. I told him I dont pay for points, I would never do the loan if I have to pay for points.
XXXX XXXX from Cross Country told me that they changed the payoff on the mortgage after I signed the papers. The escrow that they took out from XXXX, said they took it to pay the insurance because the insurance went up. The insurance is only {$870.00} a year and it does not come out until XXXX. Then he said that the money came out to pay the mortgage company. They also changed the mortgage amount without me being informed and then XXXX XXXX said that I already signed the papers and it's too late, that I am stuck with the bill. I was deceived because they didn't follow the truth in lending law by informing me that they changed the mortgage amount and if I would have known that then I would of never done the loan.
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| 11/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I applied for two loans with CrossCountry Mortgage.
Before the loans closed, I informed CrossCountry Mortgage in writing that the only correct address for all servicing communications with me was a specific post office box.
After the loans closed, CrossCountry Mortgage sent mail addressed to me, to one of the two rental homes instead of the correct mailing address at the post office box. I again informed CrossCountry Mortgage in writing that the only correct address for all servicing communications with me was a specific post office box.
After the loans closed, I received two payments coupons for the first month 's payment on the two loans, due XX/XX/2020. Both were mis-addressed and sent to the wrong address and only received by me because an anonymous postal employee took the time and effort to get the mis-addressed mail to me.
I paid the first month 's payment and again informed CrossCountry Mortgage in writing of the only correct mailing address for me.
However, I did receive a telephone message purportedly from CrossCountry Mortgage telling me the servicing of my loan had been transferred and I should contact the new servicer. I have never received anything in the mail confirming the purported transfer of servicing, or from the purported new servicer.
On XX/XX/2020, I received from ( apparently ) CrossCountry Mortgage, correctly addressed, an item of unsolicited junk mail inviting me to buy " mortgage protection coverage '' so contrary to the telephone message stating that CrossCountry was no longer servicing the loan, it appeared that CrossCountry Mortgage was still servicing the loan.
I have since paid the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments to CrossCountry Mortgage, even though I have never received monthly statements or payment coupons from CrossCountry Mortgage. With each monthly payment, I have again informed CrossCountry Mortgage in writing of my only correct mailing address.
On XX/XX/2020 I sent CrossCountry Mortgae a qualified written request regarding the issues ( above ). The qualified written request was mailed by certified mail and according to the post office, delivered to CrossCountry Mortgage on XX/XX/2020.
" ( c ) Acknowledgment of receipt. Within five days ( excluding legal public holidays, Saturdays, and Sundays ) of a servicer receiving an information request from a borrower, the servicer shall provide to the borrower a written response acknowledging receipt of the information request. '' It has been three weeks since my qualified written request was delivered to CrossCountry Mortgage. I have yet to receive any response from CrossCountry Mortgage. It appears that CrossCountry Mortgage is ignoring all of my written communications.
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| 08/31/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Hello In XXXX of XXXX my wife and I contacted Cross Country Mortgage company to request PMI removal. We closed on our home in XXXX, XXXX and did a 10 % conventional mortgage and had PMI.
We received a letter from cross country stating that removal from PMI can not happen unless substantial improvements to the property warrant the removal.
Since purchase of the house for {$530000.00} we have invested ( at the time of the request ) {$170000.00} into permitted home improvements. We submitted a list of improvements and a {$320.00} check for the appraisal to remove the PMI.
Cross Country then hired a company to do the appraisal. The company hired sent a third party to take pictures of the property and the appraiser did a desktop appraisal. We paid for a full appraisal due to improvements to warrant the removal of PMI.
On XX/XX/XXXX our appraisal was complete and it came back at {$590000.00}. At that moment we owed {$470000.00} ( approx ). We needed to be at {$470000.00} or below for removal.
I proceeded to contact Cross Country and offered to pay the difference extra in principal to remove the PMI, to which they said it doesnt work that wayfunny how they wont accept the new appraisal amount.
After I requested multiple times and finally received the appraisal I found many issues with it. As we have called almost daily to fight our case we have been escalated to an empty desk who does nothing to rectify the situation.
Now 3 months later I have found the sq footage is wrong on my appraisal XXXX sq feet less than our home is based on the property appraisal for XXXX XXXX XXXX. Also they had the wrong city on the appraisal. Cross Country continues to say it is being escalated but there is nobody to speak with who can make any decisions.
At one point a resolution specialist from XXXX XXXX, who cross country uses for their research XXXX XXXX emailed me XX/XX/XXXX stating they are reviewing my case and I will have an update or resolution and they will reach out by email or phone by XX/XX/XXXX. We are now at XX/XX/XXXX and we have never had a response back, even though multiple internal messages have been sent to this specialist.
The difference in sq footage alone would have raised my value based on the sq footage appraisal value placed at {$75.00} from their appraiser in the comps. That would have raised the value {$4900.00} alone which would have been enough to remove my PMI immediately. They still have not responded to any of this.
I have contacted their social media page on XXXX and they said someone would contact me immediately on XX/XX/XXXX and still nobody as contacted me.
Please help us resolve this situation as it is literally theft what they are doing
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| 11/05/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I want to file a complaint against Cross Country Mortgage, which is denying my right to have specific reasons in writing why my mortgage application was rejected, including the information that the underwriter did not consider my second source of income, which made me ineligible for the amount that I applied for it.
Cross Country Mortgage asked the sellers for an extension date on my current Purchasing Contract until XX/XX/2020. However, the mortgage company did not have my file ready on that day.
The same office requested me to pay off {$7800.00} in debts on XX/XX/2020, only five ( 5 ) days before the closing date as a condition to be approved. However, when I informed Mr. XXXX XXXX that I did not have the resources to pay that debt, he informed me that there was no anything else to do regarding my case. I sent an email requesting to Cross Country Mortgage the document stating that my loan would not be approved because the underwriter did not consider my second source of income, which directly affected my debt-to-income ratio.
In response to an email sent to Cross Country Mortgage on XX/XX/XXXX requesting my document Mr. XXXX XXXX, Non- Originating Branch Manager responded that the company " is in the business to close loans not deny them ''.
I believe that any company is in the business to approve deals and have profit, however in this case if my application can not be approved it is my right to have a letter stating the reasons.
According to the information received from the Mortgage Lender the reason was that the underwriter did not accept my second income, and that should be included in the " Denial Letter ''.
I was extremely diligent working with this company proving documents, pay stubs, letters, replying to emails, and doing everything to meet the contract dispositions and the deadline. As a consumer, I can not be penalized for losing my escrow money, since my Purchasing Contract is contingent on the approval of this loan.
On XX/XX/XXXX Cross Country Mortgage documents such as all my assets to close " the deal '' and proof that I paid the debits they requested. They knew I would make a complaint to the appropriate agencies, so they are trying to " cover-up '' things that have been done wrong. Seems to me that they did not read all my emails saying that I don't have the resources to pay those debts in full right now, which again was a complete change made by Cross Country Mortgage on its criteria since they pre-approved me.
I am under the impression that this company is not acting in a good faith doing business and this is unacceptable.
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| 07/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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I received a Loan Modification Agreement during the month of XX/XX/2023 that was damaged and not legible due to the documents being delivered during a rain storm and placed in an uncovered area of my home instead of inside the storm door that is never locked or another weather protected area. I contacted Lost Mitigation several times to request another Modification Agreement and was told that another would be sent in about 12 days and the due date to return the signed documents would be adjusted, when I did not receive the documents I contacted Lost Mitigation again and again to send these documents and was told that instead of contacting them every week I was told to wait about 30 days while there was being a review ( I was told that all these calls were being recorded and I have also maintained a record of these calls if dates/times are needed ) I waited the 30 days as told and contacted Lost Mitigation again and was told that there was a review still being conducted. I did not hear anything from Lost Mitigation until XXXX when I was told by the associate that there is a new Modification Agreement being sent to me with new monthly payment amounts higher than the damaged Modification Agreement that I originally requested for my review and signature, the associate then told me that I MUST accept the terms over the phone in order for the document to be sent to me. I received the documents XX/XX/2023 which are dated XX/XX/2023 and given 30 days from the date on the documents to be returned. I have been compliant with every thing that was requested of me from filling out documents requesting assistance, explaining my situation, constantly sending the same documents over and over again because allegedly one or two of many documents were not received, I ask that someone please investigate this situation and please contact me via phone, email, postal mail. In closing I would like to say that I am a U S Army Combat Veteran XXXX XXXX XXXX / XXXX XXXX and understand following orders and instructions which is what I have done since submitting my Hardship Application, rather than assist and/or help me in this situation Lost Mitigation is making my situation more of a hardship, I could at least see on the damaged document that the monthly payment although higher than my original monthly payment would be less stressful to make financially and I ask that the Modification Agreement sent to me prior to XXXX be instated. I have more information regarding how this company has been handling my situation after applying for a hardship.
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| 08/13/2019 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
Servicemember |
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I was supposed to close on a home on XX/XX/2019.
I paid {$3000.00} for closing and approximately {$800.00} for appraisal and inspection.
{$50.00} on HOA application fee.
Two days before closing, I was informed that there was a problem with the down payment. The total amount had been wired on XX/XX/XXXX, to the title company. {$51000.00}. It had been wired by my future father-in-law per request by my lender. I was informed that 5 % had to come directly from me, the borrower.
As I was short approximately {$600.00} in my bank account, my lender advised me to deposit or have someone deposit money immediately. He said to make it an odd amount, like {$680.00} so it did not look obvious. My future father-in-law transference money into my account the next day. Since it showed " pending '' my lender implored me to deposit more cash into my account. Which I did as instructed. I had even transferred money from my XXXX acct to my bank, but my lender said it could not be verified. even though it clearly shows on my account, the transaction.
After scrambling at his bequest to get my account in order to make my 5 % wire for the downpayment, he just could not get the closing packet to the title company. I sat at title company for 3 hrs on the XXXX. The closing had to be extended to the next day, but again, he did not get the closing packet in. Closing was again extended to the following day, XX/XX/XXXX. I was told by my realtor to go the bank to wire the money, then head to title company. 3 home purchases were hanging in the balance. This had to get done that day or the contracts would expire ... there would be no more extensions. At XXXX on XX/XX/XXXX, as I was heading to the bank, the lender called and informed me that my future father-in-law was not an acceptable donor. None of his money would be accepted, although the money had been wired to the title company on XX/XX/XXXX.
It caused all 3 home purchases to collapse and everyone involved lost their money and the homes they were purchasing.
The 3 listing agents involved have filed formal complaints to the board about my lender. I have made numerous attempts to reach out to the mortgage company, only to be completely ignored.
How did my lender not know this would be a problem? He knew from the very beginning that my father-in-law was donating money. It was my lender who instructed us to just have him ( father-in-law ) wire the entire amount and we could work it out with him later.
This action by my lender devasted 3 families.
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| 10/02/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
- Trying to communicate with the company to fix an issue with the application process
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Web |
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XX/XX/XXXX I attempted to complete the online application process for a HELOC on a property I owned prior to marriage. I am the only person on the deed and the only person on any loan related to this property. Cross Country customer service conferred with their management that my spouse must provide consent for me to obtain this loan. When requested, Cross Country was not able to provide any statute that requires spousal consent in Virginia -- -as Virginia is not a Homestead or Community Property state. And in fact, the spousal consent would not allow Cross Country rights to judgement on the property in the event of my death : 55.1-202. Spouse not responsible for other spouse 's contracts, etc. ; mutual liability for necessaries ; exception ; responsibility of personal representative.
Except as otherwise provided in this section, a spouse shall not be responsible for the other spouse 's contract or tort liability to a third party, whether such liability arose before or after the marriage. The doctrine of necessaries as it existed at common law shall apply equally to both spouses, except where they are permanently living separate and apart, but shall in no event create any liability between such spouses as to each other. For the purposes of this section, liability shall not be imposed upon one spouse for health care furnished to the patient spouse who predeceases the nonpatient spouse. No lien arising out of a judgment under this section shall attach to the judgment debtors ' principal residence held by them as tenants by the entirety or that was held by them as tenants by the entirety prior to the death of either spouse where the tenancy terminated as a result of the death of either spouse.
Code 1919, 5134 ; 1932, p. 22 ; Code 1950, 55-37 ; 1984, c. 504 ; 1985, c. 202 ; 2012, c. 45 ; 2019, c. 712 ; 2023, c. 798.
In my situation, there is no reason to obtain my spouse 's permission to borrow equity in my sole ownership property, and requiring my spouse 's permission violates Regulation B/ECOA/FHAct : Paragraph 6 ( b ) ( 8 ).
1. Prohibited basis - marital status. A creditor may consider the marital status of an applicant or joint applicant for the purpose of ascertaining the creditor 's rights and remedies applicable to the particular extension of credit. For example, in a secured transaction involving real property, a creditor could take into account whether state law gives the applicant 's spouse an interest in the property being offered as collateral.
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| 12/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I applied to refinance a loan through XXXX XXXX on or around XX/XX/2018 and I write this complaint today XX/XX/2018 over four months after my initial application to obtain a mortgage on an investment property that I own. Throughout this process. I have always had credit scores in the high 700 's to low 800 's. The LTV on the subject property would be 70 % or less ( meaning I have plenty of equity ). Their appraisal was sent to me on XX/XX/XXXX which would support my statement. I have provided documentation that I have more than enough funds as reserves. I am employed as an XXXX XXXX XXXX XXXX XXXX of over 8 years and have provided documentation. They have been able to verify this. Throughout the process, their underwriters had many requests for me, I was able to provide documentation which satisfied their requests. After doing this, their underwriter 's requests would change and they would ask for more documentation which I provided which should have satisfied their requests. They would even verify that the documentation I provided satisfied their requests. Some of their underwriter 's requests seemed insignificant ( why did you only declare a {$1100.00} repair expense on an investment property you own when you provided receipts that show {$1400.00} in expenses. I explained that I gave the wrong amount to my accountant ) and even after I was able to prove everything out, their underwriters still say that the condition has not been cleared. Every time I satisfied their underwriter 's requests, they would then bring up new conditions or old conditions that were satisfied earlier. My DTE was under 50 % which they stated was their requirement. As time went by, they even raised my interest rate and I had to point it out before they would address it. There is no logical explanation on why we have not been able to close yet. Their own mortgage lender agrees with me that he can't really explain why over four months after I started the process with them that we are not closed yet.
I am a XXXX XXXX XXXX so I understand the process. In the 12 years, I have been an XXXX ( almost 9 as a XXXX XXXX ). I can legitimately argue this is the worst situation I have seen. I have documents to support all of my statements above. While I can not fully verify that discrimination had anything to do with my loan, I can confidently state that I am qualified based on the criteria I was given and that I have been given the run around for the last four months.
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| 03/15/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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We have our mortgage loan through Cross Country Mortgage and made on-time payments until XX/XX/XXXX when we entered forbearance after my husband was laid off due to COVID. In XXXX of XXXX, we contacted the mortgage company to start resuming our payments and we were offered a COVID partial claim option for our past due balance and an updated mortgage payment amount going forward. We signed, notarized and returned the completed partial claim paperwork that was sent to us and returned it in the pre-paid envelope to the service provider. It was received on XX/XX/XXXX according to the tracking number. We followed up monthly with Cross Country Mortgage for status of the partial claim and when we would have access to our online account and applied payments. We were told that the partial claim had been approved in XXXX but that we needed to just allow more time for processing and for our account to be updated. The usual excuse was that they may be behind on processing due to the amount of requests. Starting in XX/XX/XXXX, we started to receive mail and collection calls from Cross Country Mortgage. We have since spoken to numerous individuals sometimes up to XXXX times a week starting in XXXX and have received no clear answers as to why the partial claim was not applied, even though they had clear documentation in their system that it was received and approved in XXXX according to several individuals that we spoke with since XXXX, XXXX. As of last week we have submitted more documentation for a loss mitigation solution which they claimed was required to complete our COVID partial claim request. Now we are being told that we no longer meet the time requirements for the COVID partial claim because they did not receive the paperwork that was sent out in XXXX, XXXX. As stated previously, the partial claim paperwork was signed by both my husband and myself, notarized and returned in the provided return envelope and tracking was provided with a received date of XX/XX/XXXX. We have also been making our adjusted mortgage payment since XX/XX/XXXX. We have been given misinformation since the start of this process and do not know how to proceed. We continue to make our adjusted mortgage payments and have submitted all extra documentation that they have requested even though it should not be required given our approval for the COVID partial claim. We are just looking for a resolution for something we thought was completed seven months ago.
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| 08/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I believe Cross Country Mortgage is misappropriating funds from my escrow account. They have charged me for an additional tax payment that has gone unrecorded by the town tax department. The escrow analysis in addition to the already paid taxes projects the fund to pay out taxes XXXX times this year with an overage of roughly {$1300.00} unaccounted for. My phone call with a company representative on XXXX confirms these facts and that the error is on their end. However, despite numerous calls and emails citing the following information, they remain unresponsive.
The actual payments and projections of taxes to be paid this year are as follows : Payment Dates and Sum of Taxes Paid in 2023 XXXX {$1300.00} as noted on XXXX XXXX XXXX ( See : XXXX XXXX XXXX ) XXXX {$1300.00} as noted on XXXX XXXX XXXX ( See : XXXX XXXX XXXX.XXXX ) XXXX {$1300.00} as noted on XXXX XXXX XXXX ( See : XXXX XXXX XXXX.XXXX ) XXXX {$1200.00} as noted on XXXX XXXX XXXX ( See : XXXX XXXX XXXX.XXXX ) The sum of these tax payments, already paid in XXXX installments, for this current year is {$5400.00}. This is roughly equal to the projections stated by the XXXX XXXX XXXX XXXX XXXX for the yearly taxes from last year ( See : XXXX XXXX XXXX XXXX '' ).
According to the Escrow Analysis provided by Cross Country Mortgage on XXXX an additional payment of {$1400.00} is planned for XXXX of this year. Once this is paid, the sum of taxes paid out of escrow from this account will total XXXX tax payments this year equal to {$6800.00}.
Compared to last year 's tax schedule this will result in XXXX additional tax payment ( bringing the total to XXXX payments ) as well as an excess of funds paid out estimated at {$1300.00}. The excess of funds is currently unaccounted for as this sum has not been recorded by the XXXX XXXX XXXX XXXX as indicated by the public tax record for the property ( See : XXXX XXXX XXXX XXXX '' ).
I've reached out via numerous emails sent to XXXX on the following dates : XXXX XXXX XXXX XXXX XXXX I've also called regarding this matter on the following dates : XXXX XXXX XXXX XXXX XXXX This issue came to my attention when Cross Country Mortgage increased my monthly escrow payments thereby effectively increasing my monthly mortgage payments. They intend for the additional payments to make up for the unaccounted funds they appear to have misallocated.
I welcome your assistance in finding resolution to this matter.
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| 06/01/2023 |
Yes |
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- Trouble during payment process
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Web |
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In XXXX of XXXX, I logged into my Cross Country account to verify that the payment from the Department of Economics had been sent to Cross Country Mortgage it was at that time I noticed the payments hadn't been posted. I then contacted DEO and was advised the payments had been sent. I waited and then contacted Cross Country multiple times during this time I was going back and forth with DEO and Cross Country Mortage at that time we received our bill which stated we were past due for XXXX and XXXX and we were at that point in XXXX and Cross Country said that they has still have not received the payments, but DEO said all payments had gone out, on XXXX I spoke with XXXX with Cross Country she advised me they were still waiting on the payment my husband and I called Cross Country two or three times a day we were still being told they didn't receive any payments. Then on XX/XX/XXXX, I spoke with XXXX from Cross Country and DEO on the same call DEO advised XXXX that on XXXX payments were reissued to Cross Country. Cross Country stated they returned the payments back to DEO as they were now going under the name XXXX XXXX, as consumers we never received any information about a name change nor that our Escrow was short and Insurance was going up.
On XX/XX/XXXX I spoke with XXXX from C.C.XXXX XXXX XXXX she stated don't worry they will locate the payments and she doesn't understand why payments were returned back to DEO, ( ) but DEO hasn't seen any returned payments. She did verify that XXXX XXXX is also C.C. she then informed me that a payment to Cross Country came in and will be posted in 24 to 48 hours. I called CC and spoke with XXXX to see if they had located any other payments she stated no and it could take up to 30 days for the payment to appear on the online service. On XX/XX/XXXX we spoke with XXXX from C.C. She advised me she would send an email to XXXX. department to contact me she also said no payments were received. On XX/XX/XXXX I called C.C. and spoke with XXXX put a note in to have XXXX. contact me and that the company would generally send a letter about changes and I advised her they hadn't. During this entire time, we had been in contact with DEO sending emails and speaking with representatives. even with the continuous communication between Cross Country and DEO, Cross Country due to this problem has affected our credit reports which have dropped our credit rating by XXXX points.
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| 12/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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CrossCountry Mortgage is the most incompetent company I've ever had the displeasure of doing business with in my XXXX years on planet Earth. I refinanced my mortgage with them in XX/XX/XXXX. At closing, 2 escrow line items in the closing costs were 2 property tax bills due XX/XX/XXXX, one for ~ {$750.00} and another for ~ {$3300.00}. In late XXXX I received notification via mail that neither of these property tax bills had been paid. I logged onto my online account and checked the escrow section. Sure enough, whoever at CrossCountry populated my future tax payments due had completely skipped the payments due in XXXX and started with tax payment due in XXXX. On XX/XX/XXXX I called CrossCountry 's " service '' center to report the issue and was advised to scan the property tax bills and email them in, which I did, plus I provided a detailed description of how my property tax payments work as well as a copy of the escrow statement from my prior mortgage provider. The next day the ~ {$750.00} property tax bill was paid. However, the ~ {$3300.00} property tax bill was not. That is also the day my story begins of countless phone calls to the " service '' center, most of them resulting with me explaining my issue, being put on music hold for 10-15 minutes to wait for a supervisor, and eventually being either disconnected or dumped off to an automated survey. I was able to garner some information from these dozens of calls. I am aware that at least 2 " cases '' were opened for my account and subsequently closed without my property tax bill being paid. On 3 separate occasions I was given specific dates by which my outstanding property tax bill would be paid. All 3 dates passed without my property tax bill being paid. I've emailed the property tax bill for ~ {$3300.00} due XX/XX/XXXX to the service center 3 times now. I've emailed the delinquency notice I received from my town to the service center twice. I mailed a complaint letter to CrossCountry on XX/XX/XXXX with supporting documents, including the tax bill and the delinquency notice. At this point there is close to {$6000.00} sitting in the escrow account, my property taxes for ~ {$3300.00} are a month and a half late, I've received a delinquency notice telling me I owe an extra ~ {$50.00} in interest, and I'm about to lose my mind. No amount of money I saved on my monthly mortgage payment is worth this level of frustration.
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| 01/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We purchased our house in XX/XX/XXXX. At that time our escrow was roughly {$1600.00} a year. We were notified in XX/XX/XXXX that our taxes went up to {$4300.00}. Our mortgage XXXX never informed us that this would be the case and basically told us it was our problem. We asked the mortgage company if we could pay the shortage so we can keep our payments down as a $ XXXX increase a month was not realistic for us. The initial told us yes. We had our tax statement from the collector so we knew it was a {$2600.00} difference. We've paid the mortgage company {$1600.00} of that {$2600.00} so far between XXXX and XXXX ( {$1000.00}, {$300.00} and another {$300.00} ). We received an escrow analysis from the mortgage company after XXXX stating that we needed to pay {$2600.00} to avoid having a {$550.00} increase on our payments. We called them up and talked to about 8 different people who all pretty much said we owed the {$2600.00}. We told them that we've already paid {$1600.00} but they could not verify with us that it was received. All they said was they paid the {$4300.00} tax bill and we owed this money. I went through every statement with each person we've talked to and only 1 would verify that they did receive the {$1600.00} and we only owed the {$1100.00}. However, the next day our broker called and verified with us as well that was true but then when we tried to verify it once again to make sure with the mortgage company they said that was false and we must pay that {$2600.00}. They were extremely rude and would not listen to anything we had to say, they were purely going off the escrow analysis and that was it. I asked the last person today to confirm our mortgage statement that showed we our escrow balance to be only - {$170.00} and she said no her system showed we owed the {$2600.00}. again. she was looking at that escrow analysis because that is the only thing that is showing that amount. We feel at this point the mortgage company is scamming us someway on these funds. they are also stating that we can not prepay our escrow to avoid this higher payment. they claim that they MUST charge us for escrow every month and can not accept prepayments. My wife has XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this is the first time she has ever heard this. The only thing we can think of is that they just don't want to put in the work to accommodate us.
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| 08/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the fair credit reporting act 15 USC 1681 SECTION 602, The consumer reporting agencies are to insure the reporting with grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I the consumer. My right to make assure my information isn't shared which is aided by 15 USC 6801, that it is policy of the Congress that financial institutions have an affirmation and continuing obligation to respect the privacy of its customers and to protect the security of those consumers nonpublic personal information. ( Furnishing of information to credit agencies ). 15 USC 1681 section 604 a section 2, In accordance with written instructions the consumer reporting agencies may furnish a consumer report. XXXX and XXXX do not have my written consent to furnish this report. any and all verbal, nonverbal, written or otherwise, consent to XXXX and XXXX have been revoked. 15 USC 6802 ( A ) ( B ), Financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnishing of information to credit agencies ). I was never informed of my right to exercise my nondisclosure options. 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies may not make any adverse reporting other than reporting of conviction of crimes which antedates seven years. This account is an adverse item they are reporting without my permission which is against the law. 15 USC 1681S-2 ( a ) ( 1 ), A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 15USC 1681E, All consumer reporting agencies shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7, A consumer may exercise the right to opt out, I am opting out of the reporting services.
Any other information other than provided below is inaccurate and to be removed.
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX
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| 10/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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In XX/XX/2020 I applied with CrossCountry Mortgage to refinance and consolidate my mortgage and HELOC. In mid XX/XX/2020 the title company asked to provide a copy of my trust ( >100 pages ) which was during the COVID 19 pandemic while working from home. I confirmed with the title company that the information they needed was included on the trust certification which is ~3 pages and they ultimately agreed. I sent the information to the title company and 6 days later CrossCountry Mortgage said the underwriter needs a copy of my entire trust. During a phone conversation with the loan originator he said that the title company 's attorney approval should be sufficient and did not understand why the underwriter needs a full copy. I explained my concerns with sending this personal information that is irrelevant ( health care directive, etc. ) to close the loan. It took 6 days for the loan originator to get the underwriter to agree to a copy of the trust certification. When I received an estimate of the closing costs on XX/XX/2020 there were no fees associated with a rate lock extension. However, when signing the loan documents in early XX/XX/2020 the loan originator charged us {$1500.00} for the rate lock extension. This was never communicated to me prior to the signature date. I signed the documents out of concern I would not be able to close a loan with such a low interest rate and assuming CrossCountry Mortgage would work with me to settle the issue. In mid XX/XX/2020 I spoke with the loan originator at CrossCountry on the phone and he verbally told me that I provided all the information within a reasonable time frame and that the rate lock extension fees were a result of the underwriter 's unreasonable request and delay. The loan originator said that he will work with his manager to obtain approval for a refund on the {$1500.00} rate lock extension fees. Communication went on for 3 months and during this time the originator said that a refund was approved by his manager and sitting with the accounts payable department. I continued to follow up on status and eventually the loan originator stopped returning my calls. As a result, I am filing a complaint in response to unfair lending practices of charging me for a rate lock extension that did not result from my actions/inactions.
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| 09/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On XX/XX/XXXX this year I closed on a home in XXXX, MI, with CrossCountry Mortgage Inc. as my mortgage provider. During the closing process, CrossCountry Mortgage Inc. failed to accurately disclose my closing costs, omitting some {$8000.00} for summer taxes ( my mortgage includes an escrow account with a monthly payment toward property taxes and homeowner 's insurance ).
I was assured by CrossCountry Mortgage Inc. that all necessary costs were included at closing and that I would have a fixed monthly payment moving forward. I based my future monthly expenditures on that assurance, trusting that CrossCountry Mortgage Inc. had correctly calculated my closing costs and future monthly payments.
CrossCountry Mortgage Inc. then sold my mortgage to XXXX Bank. In XXXX, XXXX informed me there was a shortfall on my escrow account of around {$7500.00}, as the bank had paid the summer taxes, which should have been included in my closing costs.
I approached CrossCountry Mortgage Inc. and the title company involved, XXXX XXXX XXXX ( based in XXXX XXXX, Michigan ) about this issue. XXXX XXXX XXXX responded by admitting there had been an error, saying that my closing costs should have included {$8000.00} in summer property taxes and that amount should have been disclosed to me.
XXXX XXXX XXXX admitted their part in the error, adding that it was the responsibility of CrossCountry Mortgage Inc. to correctly calculate how much money I owed in closing costs. For their part in the error, XXXX XXXX XXXX refunded me the fee of {$570.00} that I paid them at closing.
CrossCountry Mortgage Inc. has yet to acknowledge error in this matter. But it is quite clear that if it is the mortgage provider 's responsibility to accurately calculate my closing costs, they failed to do so. This is gross negligence on their part. I am now due to pay XXXX an unexpected amount of {$7500.00} because of CrossCountry Mortgage Inc. 's gross negligence in this matter.
Again, I planned my own expenditures based on faith in CrossCountry Mortgage Inc. 's ability to do the job it is licensed and regulated at the state and federal level to do. I am attaching emails from XXXX XXXX XXXX, with representatives of CrossCountry Mortgage Inc. copied, addressing this matter.
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| 03/23/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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I bought a house. Shortly after the close of the sale we had the pandemic lockdowns. I panicked and utilized the forbearance process. At the end of forbearance, I tried to pay my regularly scheduled mortgage payment online, however, I ran into an issue, the loan number on my signed mortgage contract, was not available to pay online, as if it didn't exist, at least on their payment portal. I called Cross Country Mortgage and waited on hold for 45 minutes. The call was answered and some basic information was gathered, my name, my phone number, reason for the call, etc. These questions continued on for a few minutes and then the call was abruptly disconnected. I called back only to repeat the exact same scenario once more. I waited until the next day to eliminate a connection problem on my end, I also ensured that I called from a different location, again, to rule out a problem on my end of the communication. 45 minutes on hold again, only for the call to drop a few minutes after sharing my information. I started to call, wait on hold for no less than 30-45 minutes each time, and I would immediately ask them to call me back if we were disconnected, they never did. Eventually, after months of chronic stress, I received a letter in the mail with my loan number and where I can remit payment. I promptly made a payment. The check cleared and I could finally relax. The next month came, I wrote and mailed another check, which was returned to me attached to a letter stating that I was going to be foreclosed upon. I have done everything in my power to work with Cross Country Mortgage, but it is clear to me that they are not being forthcoming. I have the reinstatement quote low enough for assistance to help me, but the company providing the assistance needs the lender to send a single piece of paper. To my knowledge, Cross Country Mortgage has yet to send them a verified reinstatement quote. I don't know what to do at this point. I am filing this complaint as a last resort. Last year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that I am being preyed upon by this company and as far as I can tell, I have no legal recourse, and even if I did, I wouldn't be able to afford it.
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| 04/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I purchased my home through Cross Country Mortgage in XX/XX/2023. Loan process went as expected. 2 months after purchase I decided to do a refincnace. When my existing Loan was established we put XXXX into a replenishment / buydown account that would apply a specific amount from said account towards our monthly payment. At time of closing I signed a schedule and agreement that these funds were to be applied monthly over the next 24 months. Said document ( Buydown Agreement ) clearly states that upon paying mtg in full the balance of these funds is to be applied to my principal balance. Should any funds be left over they would be refunded back to me. That brings me to today which marks 34 days since my loan has been paid off in full. They did not allow netting of the escrow and subsidy/buydown account as stated in agreement. They have decided to hold these funds and as of yesterday the XXXX of XXXX I was told that these funds will not be refunded back to me. When I askd who they would be refunded too, XXXX ( supervisor ) said they would be refunded to the seller who sold me my home. I tried to explain she was not understanding and was infact correct. She began to yell and argue and talk over me to the point that I was forced to hang up. I then reached out to the Regional Manager who also works with Cross Country Mtg ( XXXX XXXX XXXX and he as well was at a loss for words on what I was being told. He conveyed he would look into it and asked me to forward him all emails and corispondence I had. I then proceeded to call Cross Country Mortgage again and ask for another supervisor., This time I spoke with XXXX who completely agreed with me that these funds are due back to me and said she would escalate my issue. This will be the 5th time an escalation was requested and nothing has happended. Currently I am owed roughly XXXX dollars that Cross Country Mtg refuses to release to me, and has conveyed flat out they have no plans too.
Attached is Buydown Agreement signed at closing and notaarized. Also the only communication from Cross Country Mtg stating the funds existed and amounts and when they would be released back to me. None of which have been carried out as promised.
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| 08/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On or about the first of XX/XX/2023, I contacted Cross Country Mortgage in attempt to re-finance my home and obtain a line of credit. We ( Cross Country Mortgage & myself ) determined my current mortgage is a XXXX for XXXX mortgage. While Cross Country was unable to extend a line of credit, they approved me for refinancing with a traditional mortgage. I submitted all requested documentation and signed a contract with Cross Country. In addition, the requested repairs were made and approved by the assigned appraiser.
In early XXXX I received a message from the Senior Loan Officer, XXXX XXXX XXXX, who had been working with me and advised me of my approval. She advised me that they were having difficulty reaching my current loan service provider, XXXX XXXX to obtain contact information for the lienholder, XXXX XXXX XXXX. I contacted XXXX XXXX. They had completed and faxed the Verification of Mortgage form. They advised me that they had not been asked for any additional information.
I made multiple attempts to reach XXXX XXXX by text, phone, and email as well as any other available loan XXXX with the company. To date I have not received a response from anyone.
During this process XXXX XXXX advised me not to make XXXX payment because it would affect the information already submitted to Cross Country and could take 7 10 days for updated information. In addition, XXXX XXXX and Cross Country advised me my first payment under the new mortgage agreement would be XX/XX/2023. Given this information, I did not pay or save my mortgage payments for XXXX XXXX and because of this I am now past due.
I would like to note that I also spoke by phone with a local real estate attorney and explained the situation to him. He was able to pull up contact information for XXXX XXXX XXXX while we were on the telephone. He offered to do facilitate a XXXX XXXX. I did not retain him as counsel. Instead, I sent a certified letter to Cross Country Mortgage on XX/XX/2023, advising them of what I was willing to do to move the loan along. To date I have not received a response from Cross Country Mortgage.
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| 03/17/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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My previous case # was XXXX - unsolved and new information below To whom it may concern I am writing this letter because I have already attempted to get a validation for late payments being reported to reporting agencies by Cross Country Mortgage. After receiving a letter back from XXXX XXXX, she stated in her findings that I was in the process of getting a loan modification when the account was sold and transferred to another lender which means I no longer owed Cross Country and now my debt was with the new company. I am writing because when I was in that process of loan modification and obtaining a forbearance, I was told no late payments would be reported during that process and before it could be fully modified the account was sold and they did the modification for me. What I need from your company is the XXXX negative late remarks being reported to the reporting agencies removed from my file. I am asking for a goodwill letter request and would like a Universal Date Form faxed over or mailed to all reporting agencies to be sent out on behalf of Cross Country. There is no need for Cross County to maintain these negative remarks as I have no debt with this company and these remarks are causing me a great harm financially on my background. I am asking for a good will request and have all negative remarks removed or show the proper debt validation that these payments were late even though I was in the process of a loss mitigation and was told no late payments would be reported during that time.
Once again, it cost your company nothing to remove these negative remarks from all reporting agencies In my previous complaint no resolution was given, and I was not supplied with information I requested. Only given dates of events. I requested validation of the late payment remarks and money said owed proven. I applied for loan modification and before this lender could approve it, they sold my account, and the new company finalized the loan modification and all debt owed was removed. this company needs to remove negative remarks from all reporting agencies.
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| 09/26/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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I am a XXXX veteran with a loan in the state of IL In XX/XX/2021 I was dealing with extreme XXXX problems due to XXXX XXXX XXXXXXXX and its effect on current medical issues. The company only offered me 2 months forbearance. The health issues ended up with me losing my job in XXXX. I requested again forbearance extension under the cares act. I was only offered a financial disclosure form for loan modification ( with the company making sure I knew it could affect my credit score, and ability to pay back my loan, and that the company may find I can't afford my loan anymore, not cares act forbearance ). Come XX/XX/XXXX I was still out of work because childcare was too expensive, however me and my wife were able to come up with the money. In the state of IL because of my XXXX I do not pay property taxes. On the XXXX I requested that the company provide me with a corrected number to become current with my loan ( again without forbearance ). The same day I gave the company {$4000.00} as a good faith payment so that the company would work with me while they fix the demanded taxes. 7 days later the company hired a lawyer to put me in foreclosure. It took until XX/XX/XXXX and getting a pro bono lawyer to get the corrected mortgage payments and reinstatement amount. The company didn't wait even 30 days ( you know for the document to go from them to their lawyer, to mine, and then to me ) of doing what I initially asked to serve me, thus more lawyer fees they want me to pay. I wake up every morning worried about money because of this, since XXXX. struggle to go to sleep at night because of this. The forbearance would have allowed to be financially stable during the pandemic. however, by XXXX I just wanted to pay off my missed payments. I wasn't trying to get them to honor the CARES act anymore. Nothing that has happened to me is in good faith. I am the only one in this situation acting in good faith. I had to explain to their lawyer how IL law worked. ATTACHED is the email that I got stating they had recieved my proof of tax exemption before hiring a lawyer.
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| 07/18/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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My home which has an FHA mortgage is currently without property insurance. My insurance company ( XXXX ) is charging excessive fees to reinstate a policy that should n't have been canceled and my mortgage company ( Cross Country Mortgage ) delayed paying my premium so it could get kick backs for having to force place insurance.
I have an escrowed, FHA loan through Cross Country Mortgage. My hazard insurance carrier is XXXX. We closed on our loan in XXXX, 2015 at which time the annual insurance premium was paid. I received a call on XXXX XXXX from XXXX indicating they have not received payment on the renewal for the hazard policy, which would cancel on XXXX XXXX. I called XXXX XXXX a few days later and they indicated it was n't mailed yet. On XXXX XXXX, after checking Cross Country 's and XXXX 's websites and seeing the payment was n't received, I called both parties again and initiated a conference call. It was discovered that XXXX sent the bill to an incorrect address for Cross Country. The overnight address was provided to Cross Country over the phone and Cross Country 's fax number was provided to XXXX to expedite payment. On XX/XX/XXXX, Cross Country received the bill from XXXX but instead of sending it overnight, put the Check No. XXXX in the regular U.S. mail. I followed up with both parties on XX/XX/XXXX and was advised that the check was sent regular mail on XXXX. I spoke with a Cross Country supervisor, XXXX, on XX/XX/XXXX who gave me the check number and promised to fax me a letter that afternoon that I could forward to XXXX to show that payment was made but not yet received. To date, I have received no such letter. My policy was canceled as of this morning ( XX/XX/XXXX ) and there is now a {$50.00} fee should I choose to reinstate the policy. Representatives from both sides indicate there is nothing they can do and to call the other party. A representative from XXXX ( XXXX # XXXX ) refused to waive the fee after I explained the circumstances because it is a " vaid fee '' which " I agreed to when I signed up for insurance with XXXX. ''
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| 09/08/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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in late XXXX due to Covid employment issues, I contacted our mortgage company to inquire about an arrangement due to loss of income due to Covid. The bank informed us they were giving us three months to not make payments and we can do a loan modification to have the three months added back into the loan. Seemed fair. We afterwards received some documentation telling us were in forbearance. I attempted to reach the bank multiple times about the loan modification process and my eagerness to get the process started n completed. I heard nothing. After multiple calls to the bank Cross Country Mortgage. I finally spoke to someone who told me, that we would be contacted bout the loan modification n in the meantime go ahead n start making our payments again in XXXX as planned. And so we have. I had to call in XXXX n inquire why the bank reported late payments to the credit bureaus when due to Covid we were told that wouldn't be the case. The bank told me it would be taken care of and that shouldn't have happened. I also disputed these issues with the credit bureaus and it was removed. Now, I can't make a payment online n I call n they tell me I requested to be moved to loss mitigation n no loan modification was requested. What?! I've attempted over a dozen calls to the bank n the poor " horrible at their job '' customer service rep gets angry at me and acts like I've done something wrong n says I called in XXXX saying I couldn't make payments, when I had paid in time both XXXX n XXXX as initially instructed. What's going on over there? I've had to request again a loan modification from Cross Country Mortgage today XX/XX/XXXX. They've misled us as customers, can't give me anything in writing upon our conversation n now they're treating us like bad borrowers when we've met every obligation agreed to on our end. We simply want to resolve the Covid relief period, do the loan modification as initially offered n continue making our payments each month like we always have ( minus the three months from XXXX XXXX, as agreed upon due to covid-19 ).
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| 08/29/2023 |
Yes |
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- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
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Web |
Servicemember |
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I applied for assistance with a late payment which occurred in XX/XX/XXXX when I changed jobs. The late payment was due to my pay frequency changing from bi weekly to monthly I also encountered a temporary financial hardship when my XXXX unit needed repair and my vehicle broke down which needed a new battery and starter. The total out of pocket for these unexpected expense was in excess of {$1500.00}. I completed the paperwork to request a forbearance so I could get back on track. The deadline for all documents was provided by XXXX. When I checked the portal where the documents were uploaded on this date, it keep indicating the package was partially completed. The notes left in the portal stated " need one more '' next to the link for paystubs and banks statements. The requirement for these documents indicated a date range of 90 days which was provided. I could never get the XXXX XXXX XXXX on the phone in order to clarify what exactly was still needed. I received notification on XX/XX/XXXX that the request for assistance was denied due to incomplete package. This is not fair considering I could not get intact with XXXX XXXX for help. Since I could not make contact by phone, I left a message in the secure portal specifically asking for clarification on her statement " need one more ''. I never got a reply. In addition, I don't want to be charged for an appraisal on my house since the request was denied for a incomplete package. I have been getting letters constantly about this. They can send letters to my house but never available on to speak live on the phone. XXXX XXXX was sued for actions just like this which lead to illegal foreclosures on customers homes. Cross Country Mortgage is patterning the same behavior. In addition, I never got a voicemail from anyone at Cross County Mortgage regarding my request for assistance. They also block their number when they call customers. I know this because I answered these calls and questioned them about this. I was was told they have no control over what the caller-Id shows.
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| 06/07/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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In or around XX/XX/XXXX, I fell behind on my mortgage payments due to testing positive for XXXX. This resulted in forced time off from work which resulted in the loss of household income. On XX/XX/XXXX, I applied for a XXXX XXXX loan modification with Cross Country Mortgage.
For the next ten ( 10 ) months, Cross Country Mortgage kept my client on a proverbial hamster wheel of document submissions in which I was repeatedly asked by the mortgage company to submit the same pay stubs and bank statements over and over again by telephone. Over the span of ten ( 10 ) months, Cross Country Mortgage issued XXXX ( XXXX ) separate requests for pay stubs and bank statements and I promptly replied by providing these documents each time.
On XX/XX/XXXX, after having received XXXX ( XXXX ) separate document submissions of pay stubs and bank statements from me over a ten ( XXXX ) month period, Cross Country Mortgage denied me for every loan modification which the XXXX XXXX had to offer. In its denial letter, Cross Country Mortgage made a series of false representations designed to delay and frustrate the loan modification review process. First, Cross Country Mortgage deliberately excluded any mention of the XXXX Refund Modification for which I, as a veteran, was entitled to be reviewed for as of XX/XX/XXXX. Second, XXXX XXXX deliberately excluded any mention of the Streamlined loan Modification for which I, as a veteran, was entitled to be reviewed for without having to submit a loss mitigation application as of XX/XX/XXXX.
On XX/XX/XXXX I was informed by XXXX XXXX 's foreclosure lawyer that a foreclosure auction could be scheduled on my home as early as XX/XX/XXXX and that they were only waiting on the XXXX XXXX moratorium to end. I want to apply for a loan modification in XX/XX/XXXX and I need the CFPB to contact Cross Country to help me stop the foreclosure so my loan modification application can be reviewed. I have a wife and children and we have no where to go if XXXX XXXX takes our house. Please help.
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| 11/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
Older American |
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On XX/XX/2023 I paid off a mortgage ( through Cross Country Mortgage ) on a rental property I own in XXXX, Florida. I paid it off around the same time I was changing insurance companies from XXXX XXXX XXXX XXXX. As XXXX was aware that I still had a small mortgage at the time of the insurance switch, they sent notification to the Cross Country that they were the new insurer of the property. I paid the XXXX up front ( {$2700.00} ) as is required when binding a new policy. Even though XXXX assured me they did not send Cross Country an invoice, but merely a notification of their taking over as insurer, Cross Country paid the XXXX...... again. By this point the mortgage was paid off, and I no longer owed on the property. When XXXX received the check from Cross Country, they saw that it was a duplicate payment and mailed it back to them. That was on or about XX/XX/2023. In a subsequent phone call to Cross Country, checking on the status of the return of these funds to me, I was assured by Cross County that I would receive a check from them within XXXX to 14 days. After about 21 days I still had not received the refund, so I called Cross County again to check on the status. This time they said that they would investigate as to where the refund was in the process. I have called them several times since, and each time I get a run-around as to why I have not yet received the refund. The last time, an agent named XXXX, blamed the situation on the fact that a lot of agents work from home, and that the check was probably at the office somewhere! Are you kidding me?
So, here we are, over XXXX months since I paid off the mortgage on my property, and I still have not received my complete escrow from Cross Country. They still owe me {$2700.00}. I have to pay the taxes on this property ( due this month ), and their mishandling of this situation has caused me to be tight on funds to do so.
I appreciate any assistance you can offer in getting this refund back to me.
Thank you in advance, XXXX
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| 07/06/2021 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Per complaint id : XXXX Cross Country Mortgage is responsible for paying the property tax bill on my account. I contribute money to an escrow account with them for this purpose. It was discovered on XX/XX/XXXX that Cross Country Mortgage was delinquent on paying a tax bill that was due on XX/XX/XXXX. As of today, XX/XX/XXXX, they still have not paid the tax bill which is now past 90 days. I have contacted Cross Country Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Despite all assurances they would pay the bill and the associated late fees, they still have not. Additionally, I sold the property on XX/XX/XXXX and closed the account. They are currently holding my escrow money ( approximately {$8500.00} ) and can not confirm whether or not they will pay the tax bill. They state again that it will be several days to process anything and can not give me a direct line of someone that can follow through.
Update : XX/XX/XXXX I finally received the escrow money from Cross Country Mortgage and paid the taxes. However, I was promised reimbursement for the fines and my requests are being ignored. I followed up with the necessary evidence per the letter I received. The letter stated " submit proof of payment to our offices to request the reimbursement of any penalty fees paid. '' I submitted the proof of payment on XX/XX/XXXX and a detailed e-mail. I received no response from XXXX Mortgage. I called them today ( XX/XX/XXXX ) and they are now stating they need a signed letter from myself requesting the funds. This was never stated in any written or verbal communications with them. This is now delaying the process even further. I have submitted the signed letter today, but am told it will take at least another 15 days to resolve. This is on top of the 13 days I have already waited after submitting what was originally requested as the necessary documentation.
I am opening another complaint in hopes that CFPB can help to resolve this issue.
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| 03/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On Monday, XX/XX/2021, XXXX XXXX of XXXX XXXX, XXXX provided me with a pre-approval of an investment property at 20 % down payment / 80 % loan of purchase price. Throughout the process, we have asked XXXX whether 20 % down is viable given we heard from friends that investment properties now require 25 % down, and he has promised multiple times that it was within guidelines.
On XX/XX/2021, after having our offer accepted, I had done my own research to verify the information that XXXX had communicated to ensure my mortgage is within guidelines. To my horror, after just minutes of reading XXXX searches, I discovered that Fannie Mae and Freddie Mac guidelines specifically ask for 25 % down for investment properties. I believe it was raised from 20 % due to COVID and increased risks. I then immediately call the branch manager, XXXX XXXX to discuss whether my case is valid. He was unsure and had to get back to me. After this, I had reached out to XXXX via email to confirm once again, whether 20 % down for investment property ( 2 Units ) is viable and he confirmed in writing I am " Approve/Eligible for a 20 % down payment. '' I then had to copy XXXX on that email and moments later, my husband received a call from XXXX XXXX that he " XXXX XXXX XXXX XXXX '' and we need 25 %.
This is a severe level of incompetency among licensed professionals from origination to management level. Both XXXX and XXXX are not kept up to date on required originating & underwriting guidelines and in my case, irresponsibly provided an unqualified candidate with a preapproval. Even after numerous attempts by me to question and verify my case. This is extremely concerning for the community and the NJ residents that may have the misfortune to work with them. If I can get more accurate information within minutes of research, and I have to question licensed professionals multiple times on their field of expertise to get wrong answers, I don't think these people are qualified to do their jobs.
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| 12/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I had a home mortgage loan with Crosscountry Mortgage that was paid in full on XX/XX/2020. They as self reported by them, on XX/XX/2020 to refund me the amount remaining in escrow, in error mailed two checks for {$4000.00} and {$1.00} respectively to the address of the home that I sold. As these type of checks are not forwarded and as I had provided a change of address to the USPS the mail was not forwarded and the checks were never received. On XX/XX/2020 I spoke to Crosscountry Customer Service and the representative told me that she with my phone call was putting a stop payment on these checks and initiated a new check. On XX/XX/2020 and XX/XX/2020 having not received the check I placed calls to representatives who told me that the check had been mailed on XX/XX/2020 and to just allow more time. Then on XX/XX/2020 at the advice of one of these representatives I sent an email to the attention of their research department. I received a letter dated the next day XX/XX/2020 that they would provide a response to my inquiry as quickly as possible but in any event in the time limit required by law. I don't know what that time limit is but today is XX/XX/2020, over a month with no response. On XX/XX/2020 I called and spoke with a supervisor who told me that the representatives that told me that the check had been mailed on XX/XX/2020 did so in error and that in fact it was a request for a check made on that date and that it takes them ( 20 ) business days ( XX/XX/XXXX ) to produce the check and then ( 10 ) business days to receive it by mail ( XX/XX/XXXX ). Having still not received a check this morning XX/XX/2020 I called the customer service center numerous times and was told that they don't know what happened to the check request on XX/XX/2020 and that no check had been cut and initiated another check request with today 's date on it and now tell me that they need ( 30 ) days in-house to process the check. I need some help!
XXXX XXXX XX/XX/2020
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| 08/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Dear XXXX : I had applied for a conventional loan in XX/XX/2019 with XXXX XXXX, which then merged with CrossCountry Mortgage out of XXXX, Ohio. My loan origination was subsequently transferred to XXXX XXXX XXXX, XXXX. After providing all required documentation or the loan, my loan was conditionally approved.
About 2 weeks prior to closing, I was asked to provide additional documents on my marital separation agreement. Based on obligations discovered in the separation agreement, XXXX XXXX sent a few emails saying that the loan may not be able to work, but kept refusing to give me a straight answer on whether the loan was denied or not. I sent additional income statements such as 5 year annuity payments, but his underwriters did not know or would not consider them. XXXX XXXX would also not call me as I requested but would sent infrequent short emails as he saw fit. With just days before closing, he asked me to work with other lender if possible, and to revert back to him if I needed to.
With couple of days before closing, I made the difficult decision to stop the process. I put my paid escrow money of {$3000.00} in jeopardy, which I still have not been able to recover. I asked XXXX XXXX for a denial of loan document which he finally was able to provide. I repeatedly asked XXXX XXXX for a venue/person/website to complain, which he totally ignored, and did not refer me to anybody.
I am not disputing the decision to not XXXX me loan, but I'm extremely disappointed with the way XXXX XXXX was trained to handle this situation as time was running out. He could have handled this situation better with a professional phone call taking five minutes of his time, or referred me to someone else within his company, or a place where to complain. His employment company would be well advised to retrain him in basic customer relations, communication skills, and let him know how to offer redress options to his clients.
Thank you,
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| 04/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I would like an independent review of the loan. All email chains, texts and any other communications between the loan officer the underwriter, title company, real estate agents and customer. I applied for a loan on a XXXX XXXX at CrossCountry Mortgage. The loan was for XXXX XXXX dollar home. I put XXXX XXXX dollars down and terms were 50 % payment by cusomer at time of closing. The loan was for the other 50 %. Most of the information requested was gathered between XX/XX/XXXX and XX/XX/XXXX XXXX. It was sent by myself or gathered by XXXX and XXXX at Crosscountry Mortgage. Communications were frequent by text and email. The contract for the purchase was to be completed before or on XXXX XXXX. I was told several times during the process that everything was just great and would close early even as early as XX/XX/XXXX. I asked for a closing on XX/XX/XXXX and explained that I would be out of town. The loan was delayed because of the underwriter constanly. They did not close the loan on XX/XX/XXXX and requested a week extension until XX/XX/XXXX. Last minute request started to come to me until the last request on XX/XX/XXXX. I was not available to gather the information requested becuase I was in meetings until XXXX that day. the comditions os the extension expired at XXXX that day. The requested was not reasonable or timely. I asked several times throughout the process in XXXX if they needed any more information. None of the last minute requests were mentioned earlier in the process. I asked my bank to givie them any information needed two separate times.
The Loan was not Approved becuase of constant delays and unreasonable timely requests. I lost my {$42.00} thousand dollar down payment to seller and XXXX fixed interest rate loan because of the lack of competence and managment of the loan.
Thank You for your time and please reach out if you need copies of texts and other communications. KEEP ME INFORMED.
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| 05/26/2023 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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The story is very, very long. Here is the almost bullet point version of it.
I have signed a construction loan with CrossCountry Mortgage LLC, who was recommended to me as the preferred lender by the XXXX XXXX Representative ( Broker A ) - Envision XXXX XXXX. The loan was closed in XX/XX/2021.
As per the Residential Construction Agreement that was signed by myself, Broker A, Broker B ( my broker ) and the construction company, both brokers were to be paid by the builder. ( see Exhibit C : XXXX XXXX Agreement page of the Residential Construction Agreement attached ) The builder failed to build the house in agreed timeframe, and I was pressed to close the loan .... and do whatever I wanted with construction. The whole process with CrossCountry Mortgage LLC was absolutely not client oriented, extremely disappointing and overall horrible experience in regard to many things but in particular explaining my payoff amount to get the loan closed. No matter how many times I asked to provide details of their calculations of the payoff I was getting the same " 5 '' lines word document with no details of where/to whom my cash to close was disbursed. After me keep questioning and lengthy back and forth my pay off somehow went down $ XXXX with no explanation again as to how and why. I was advised by a friend of mine to get closure ledger details from the title company, which I did ( attached ), I had questions about a few things in the ledger, as I'm not a professional, however, what caught my eye was that {$8300.00} were paid to the XXXX XXXX on The XXXX XXXX, which is XXXX XXXX real Estate company.
I would like to know if this is correct as this payment to the Broker B took place on the date of the initial construction loan closure in XX/XX/2021, while Exhibit C : XXXX XXXX Agreement it should have been paid by the builder.
Please investigate this matter. Thank you.
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| 07/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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In XX/XX/2020 I refinanced my home and XXXX XXXX/CrossCountry mortgage became the servicer of my home loan.
In XX/XX/2020, I called customer service to ask about enrolling in biweekly payments. They told me I had to wait until I had made the first mortgage payment and made NO mention of any fees associated with me simply splitting my monthly mortgage payment into biweekly payments.
Today, XX/XX/XXXX, I called customer service again. They said I would have to fill out a form [ which they emailed to me ] and said I could NOT simply submit biweekly payments without filling this form. They said those payments would NOT be applied as intended and would be considered " short payments '' and held until final monthly payment was received. They made NO mention of a fee associated.
Once I received the email with said form, it stated clearly and multiple times that I was required to pay a {$150.00} FEE.
I called customer service back and asked to speak with a supervisor. She repeated the above information and said that it was " non-negotiable '' to dispute this fee.
I told her this is a SCAM and they should be reported for such price gouging! I have paid home mortgage payments for most of my adult life! I have never encountered a bank that charges any fees, much less a fee of {$150.00} to simply " allow '' me to make my payments in a biweekly fashion. This fee should be illegal and this bank should be held accountable for scamming it's customers. This would always be an egregious charge -- but now during this economic turmoil and the largest unemployment rate, it is even more CRIMINAL that this bank is trying to scam {$150.00} out of it's customers.
It is my hope that the Consumer Financial Protection Bureau can help me exercise my right to simply make biweekly payments for my mortgage payment and NOT allow this bank to charge this fee. Thank you.
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| 03/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I applied for the PMI cancellation process in XX/XX/2022. I mailed a check and completed the required paperwork to have my home reassessed to see if I would qualify for PMI cancellation due to major home improvements. The check was cashed by Cross Country Mortgage and a real estate company reached out to me to schedule an assessment in XX/XX/2022. I called back the real estate agent the next day, he stated that my home was no longer in their system to service and I had to recall my mortgage company. I recalled Cross Country Mortgage to have this rescheduled, and they stated they would take care of it. Since then, I have recalled and tried to resolve this approximately 2-3 times per month since XXXX and have spoken to many different customer service representatives and two supervisors. All times they have stated that someone would reach out to me via phone and/or would contact the real estate office to get me back on the list to have my house reassessed. All times no one has reached out and I have had to re-call cross country mortgage to file a new claim. My claim has been closed multiple times without being resolved. My application had already been submitted and check sent ( this was cashed by the company in XX/XX/2022 ). Cross country has tried to only remedy this issue by sending me a new application and instructions to repay in the mail. I speak to live representatives who state that this does not need to occur and they already have my application, but no one ever follows up or calls as they stated they would. At this time, since I have been actively trying to resolve this since XX/XX/2022, I worry their negligence to act has cost me additional monthly PMI payments that would have been canceled as well as waiting for the market for my home value to drop. Thus, their negligence has caused a change in whether or not my home would qualify.
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| 05/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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I reached out to my mortgage company, Cross Country LLC for my PMI to be dropped in the beginning of XXXX. I was told it would take a week and a half to be processed and would receive a letter in the mail. I received a letter on XX/XX/XXXX. I completed the necessary paperwork and sent a check in the amount of {$150.00} for the revaluation of my home. An appraisal was not ordered until over a month later, XX/XX/XXXX. I set up the appraisal and it was completed on XX/XX/XXXX. After multiple calls to Cross Country Mortgage LLC. I received no information on the status of the reappraisal. I was told my appraisal process would close XX/XX/XXXX. I called back on XX/XX/XXXX and was then told they had 30 days from XX/XX/XXXX, call back after XX/XX/XXXX. I called back XX/XX/XXXX and still no information. I have never missed a payment and have continued to pay PMI ( {$260.00} ) for the month of XXXX, XXXX, XXXX, and now XXXX. Yesterday I was told a letter was mailed and can expect to receive it in 10 days. The appraisal of my house came back at {$550000.00}. I was told PMI could not be dropped. I am now disputing the appraisal as that amount is nearly XXXX lower than any house that has sold in my neighborhood in the last 6 months. I feel that the mortgage company has been delaying and not providing information at my expense as I continue to make PMI payments. I have called and left my name and number multiple times and never received a call back. Every representative could not provide me with information until I filed a complaint and articulated the dragging of feet, lacking of information and unprofessionalism I encountered. Furthermore, I feel the bank purposefully came in low on my appraisal ( {$5000.00} short of PMI being dropped ). Im sure the disputing process will take months and all at my expense as I continue to pay an unnecessary PMI fee.
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| 08/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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We were originally going with Cross Country Mortgage to refinance our home. We found a better deal through another lender so we went with another company. That deal fell through so we came back to Cross Country Mortgage to finish the original refinance we had started. We were to the point of needing to get an appraisal. We had paid a month earlier already for the appraisal and had never gotten a refund and they still had our money. We were not happy with the fact we couldn't get our money back on the appraisal but we're willing to overlook that fact and continue to use them. We had them reopen the loan and move forward with the appraisal. We never did hear back from anyone on the appraisal and kept having to call to find out why and just kept getting a run around and no return phone calls. The first time we were using the lender they were XXXX on the spot and constantly kept in contact with us multiple times a day. This time nothing but birds. Every day we were having to call the lender to try to find out what the delay was. After a while we finally gave up and told the lender to just cancel and we would find another lender since it was obvious to us that we were now dealing with someone that did NOT want to work with us. Assuming they were offended that we had originally decided to use another lender and their treatment of us was payback and they didn't really want to work with us anymore to do the refinance. The lender and I got into a long texting argument over the whole issue and not once did he ever apologize for his lack of responding to us or his lack of resolving whatever the issue was with us not being contacted by an appraiser. He told me to just deal with his boss but would NOT give me his bosses name or number to be able to contact him to discuss his conduct. We were dealing with XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
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| 10/19/2023 |
Yes |
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- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
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Web |
Servicemember |
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We were affected by hurricane XXXX, our property was flooded XXXX feet. When we called the service r to help us they said we can put the mortgage in forebesrsnce and we could put the missed payments at the end of the loan. This was in XX/XX/XXXX. During this timeframe we worked in restoring the property cleaning it out replacing Sheetrock etc, and dealing with insurance companies. In XX/XX/XXXX we called serviced to reinstate our mortgage and put our payments in the arrears. At that time they said we had to apply for a loan modification and what we were asking for was impossible that they would have told us that information because it is inaccurate. We told them that all calls are recorded for quality and training purposes and that they should review the calls. The agent said that the only relief they could offer us was to fill out the loan modification application.
The loan modification package was initially submitted in XX/XX/XXXX. There after we never heard anything from them, continuous calls to them they would state that the package was in underwriting etc, in XXXX they asked us to re fill out the loan modification application because it was over 30 days. We did so and same story as before.
In XXXX we re submitted the package and once again same story as before.
In XX/XX/XXXX when we called they informed us that we could start making payments again but that we need to refill a loan modification package.
Today XX/XX/XXXX when we called for an update since like before our application was in underwriting since XXXX, they told us that our package had expired because it was over 30 days. Hey our debt continues to grow late fees etc but this bank is not reviewing our package una timely manner.
Had this package been resolved back in XX/XX/XXXX we wouldve only been XXXX months behind not XXXX like it is now.
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| 03/18/2021 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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We went binding with sellers on a home XX/XX/XXXX. It is now XX/XX/XXXX and this loan has not closed. An error was made by the loan agent after 2 months of us being told there was an issue with a USDA backlog, when in fact the loan agent made an error that was the cause for the delay and told no one until I uncovered it in early XXXX, 3 months later! They were forced to admit it only after a call was made to an agent with USDA where it was discovered that my name had never appeared in the USDA process system. My employment verification does not appear on my Employment Database Report until XX/XX/XXXX, when the error was discovered, and the file is just now in underwriting. Again, it is XX/XX/XXXX, after 3 months and 3 changed closing dates. Due to trust issues, and now more document requests daily that should have been requested and settled back in XXXX, the seller is now talking moving on to put the house back on market by the end of this week, XX/XX/XXXX. On the first closing date, the seller took a vacation day to travel from out of state. The loan agent waited until the day of closing to notify all parties of status, and even then they had to be asked. The loan agent keeps telling us to hang in there, but that is beyond unprofessional. No allowances have been given to rectify this situation. Their manager simply gave the brush-off when questioned. It is ridiculous. We are living in week-to-week rentals after selling our RV when we were told we would close on XX/XX/XXXX. We are now homeless and are spending exorbitant amounts of our savings for a place to live. We will probably lose this home due to their negligence, lack of communication, and lack of ability to properly process mortgage loans. NEVER use Cross Country Mortgage ANYWHERE as this is not the first and only bad experience that I had with this company.
|
| 04/21/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Servicemember |
|
The process with Cross Country Mortgage began in XXXX XX/XX/2021. We applied for a homestyle refinance and had initial disclosures bring our payment to XXXX a month. We discussed how to get the payments lower to around XXXX. My loan XXXX XXXX XXXX discussed a one time insurance payment option that would lower it. Throughout this process interest rates continued to rise and XXXX refused to lock in my rate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to the point where he could not remember phone conversations that we had. Staff from cross country went on vacations or did not want to speak with me. In fact XXXX XXXX during one conversation that lasted 10 minutes stated. " Well this is 10 minutes of my time I will not get back. '' We moved out of our house to a temporary apartment on XX/XX/XXXX with the understanding we would be closing shortly after. It is now almost the end of XXXX. We have not closed and no renovations have begun. I have lost out on thousands of dollars renting this apartment with no work being done. We will have to extend the lease if even possible which will cost more. Our monthly payments for our mortgage have grown to XXXX a month which is outrageous because of interest rates and the fact that lumbar costs went up due to the mortgage company taking so long. On top of that they had to switch our program to a XXXX FHA loan instead of the homestyle refinance because of a lien on our house that they originally said could be paid off through the homestyle refinance but then just 2 weeks ago said it couldn't and so we needed to switch the type of loan in order to have no money at closing. I can not continue to live like this. This process has caused me to experience XXXX XXXX XXXX ailments to due to the stress. I have emails and text messages about everything. Please help!
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| 05/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
Servicemember |
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Sent : XX/XX/XXXX To : CFPB Subject : Having problems with Cross Country Mortgage My credit report is now ruined because of them!
Dear Sir or Madam : I tried rectifying this situation over a year ago. Nothing was ever done about it. Now, this situation has caused late payments on my credit report! My credit is now ruined because of this. Because of Cross Country Mortgage, I can not get a refinance, and I can not buy any investment properties. I don't owe the amount shown on my the statements that I have been receiving. I really want to sue at this point. I would like for you to know that my escrow was never paid when I first got this mortgage, leaving an escrow balance that they have refused to resolve. They have continued to make false phone calls harassing me trying to get me to make extra payments that I don't owe. My loan should not be in default, although it shows late payments on my credit report. My insurance has never lapsed and they are saying that I am behind in payments and that I owe {$2200.00} as of XX/XX/XXXX. I have never missed one payment. The payment should be $ 587 monthly. I have never missed a beat with it.
Insurance binders have been faxed in to the company multiple times to show that there has been no lapse in insurance coverage.
The company will not acknowledge their mistake and they won't fix it either. The money was never applied to my account when I first obtained the mortgage in XXXX. Through my own research, I found out that there were two account numbers in question. I tried explaining this to Cross Country. I shouldn't have to keep reaching out to this company and they refuse to fix things. I am afraid of losing my home because of these errors on my credit report and these extra payments that they are saying that I owe. I DON'T OWE!
Sincerely, XXXX XXXX XXXX
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| 06/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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in XXXX, after the Corona situation, i reached out to the bank asking if they would allow a break from Mortgage, since my husband was not working at the moment and I was paying more bills. I was offered three months of no payment ( forbearance ). I did not get any documents to sign yet. In XXXX, i received an email from XXXX XXXX and he informed me that i qualify for a re-finance with a lower interest. I was excited to hear that, i said send me the information for review please. he sent me a bunch of numbers, which looked good. I agreed to start the process. He emailed me when he wanted something, and was never really clear as to why my documents stated PMI was being applied. I than reached out to him via phone and no response. When he finally responded, he said that I should be receiving a refund of at least $ XXXX to be sent back to them ( he offered to take care of it personally ) and they will drop the PMI. all the paperwork said I would have a new loan of $ XXXX. I signed off on the documents and I was very hesitant with the minimum information I was receiving from him. The loan officer witnessed my whole conversation with this guy. it has been a month, and I didnt receive any refunds. I called him and no answer, i emailed him and no answer. I called his Boss XXXX XXXX, and he said he will look into it and call me back. A week later, and nothing yet. I got an email this AM and I am being told that the money was credited from my original loan. Now I owe $ XXXX more than what my original loan was?! No one seems to have an answer for me! No one is returning my call. and I do not have a bill to pay till now! I need help please. I am suffering with this company and I regret every minute I spent with them. Please help me! I should not owe more than what i was told and I should have a refund!
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| 02/05/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I applied for a mortgage with XXXX of Cross Country Mortgage of XXXX XXXX, FL back in XX/XX/XXXX. My credit is not perfect, I have a bankruptcy which included a foreclosure, but I was pass the 4 years required by XXXX XXXX. I sold my house, started the process of buying a house, I had to rent a place to stay on a week to week basis during the process. XXXX explained how the entire process would work from beginning to end, although none of it was true. Once I had sold my house and essentially had no where to live the simple process became difficult. I started the process XX/XX/XXXX, and was told around XX/XX/XXXX or XX/XX/XXXX that the foreclosure wasn't included in the bankruptcy. I had no where to live and already under contract to purchase a new home. XXXX kept telling I had multiple options and he was looking for the best. We had to keep pushing the closing date with the sellers, I was afraid I was going to lose the home and my deposit of {$10000.00}. XXXX told me the correct paperwork wasn't done for my bankruptcy and all I could get was a 5 year ARM, he told me I would only have to pay interest and he would refi free for me XX/XX/XXXX when the time frame had been met. I paid his company thousands to close and the company the gave my loan to ( XXXX XXXX ) made me pay creditors off they thought was best. The mortgage payment was more than I expected. Then XX/XX/XXXX I spoke to a couple mortgage companies and finally settled on one who refinanced me into a conventional loan, one that up until about a week or two ago XXXX still said I couldn't get.
I really feel that because I was in a bind, desperate XXXX took advantage of the situation. Not only did the loan cost but I had to pay for some place to stay longer than I planned. I would like to make sure this doesn't happen to anybody else!
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| 08/24/2023 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I am writing to express my deep concern and frustration regarding the status of my assumption loan application, which has been pending for over three months. I have diligently provided all the necessary documentation and have followed the application process as instructed. Despite multiple attempts to reach out via emails, I have not received any direct communication from them.
I understand that the assumption loan process can be complex, but the lack of communication and transparency has left me in a state of uncertainty and distress. I have received packages from CROSSCOUNTRY MORTGAGE company and have sent all required documents through mail as per instructions. However, the absence of direct contact has made it extremely difficult for me to obtain updates on the progress of my application.
Furthermore, my broker-XXXX XXXX who works in collaboration with his ( CROSSCOUNTRY ) company, has also faced challenges in establishing contact with Assumption department. He has expressed his inability to reach anyone who can provide clarification on the application status. Additionally, the reseller involved in the process has uploaded their side of documents through the portal ( CROSSCOUNTRY ) but has not received any response or confirmation.
Given the prolonged delay and the lack of communication, I am left with no choice but to seek resolution for this matter. I have invested considerable time and effort into this application, and the continued uncertainty is impacting my financial plans. I urge you to promptly review my assumption loan application and provide me with a clear update on its status.
Reseller wanted to close this property asap and if I close this property without Assumption Loan then I will be significant financial losses amounting to thousands of dollars.
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| 12/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am having an issue with my Mortgage Servicer, CrossCountry Mortgage We received a notice of nonpayment for our property taxes dated on XX/XX/2020 from the XXXX XXXX Treasury department.
Logging in to my servicer 's website and viewing the transaction information for my escrow account, it is apparent that CrossCountry Mortgage had taken money from my escrow account and paid the property taxes for the wrong account number associated with a similar, but different address ( they missed the " S '' at the end of my address ). I can clearly see on the XXXX XXXX tax servicer 's website that my payment was applied to their property, and mine has not been paid.
I called in and was told a " ticket had been placed with the tax department '' on XXXX XXXX I followed up on XXXX XXXX and was told to email their support line " XXXX '' with supporting documents - I did so and received a receipt of email confirmation, but have not received any email back.
I followed up by calling again on XX/XX/XXXX and was told to expect a response from the tax department back the next day ( no such call came ).
I called again on XX/XX/XXXX and was told that my request was being escalated to a manager, and to expect a call by the end of the day ( no such call came ).
I have yet ( 9 days after my initial complaint ) to receive any call or communication from anybody at Cross Country mortgage indicating they are working on the problem or have made any progress towards resolution, I have only ever been able to call in and ask about the situation and receive a " we'll contact you later '' response.
At this point, I am very concerned that my second tax payment for the year will not happen, late-payment interest penalties are increasing, and a tax lien could be placed on my home for non-payment.
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| 08/07/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I was approved for relief through the XXXX XXXX XXXXXXXX program in the amount of XXXX. These funds have not been applied to my account. We had two active applications for assistance opened with the XXXX XXXX XXXXXXXX XXXX. The first is application ID XXXX was approved in the amount of XXXX. Cross Country Mortgage let the Mortgage relief program know that they received the payment of XXXX and applied to our loan, but they have not applied these funds. Cross country Mortgage has stated they sent the funds back to the Mortgage Relief Program on XX/XX/23 and closed out our Loss Mitigation file. As of XX/XX/23 the Mortgage Relief Program states they have not received back the funds. The second application ID XXXX was in the amount of XXXX and was denied by MRP because it is for the secondary loan on our account and did not meet the approval criteria and would have put our total relief amount over the {$80000.00} cap for assistance through the Mortgage relief program. This information is also incorrect and Im not sure why it was denied. Cross Country Mortgage has now also taken us out of loss mitigation, and we currently have a collections department calling and harassing us daily.
Cross Country Mortgage needs to re-open our loss mitigation file and contact the Mortgage relief program with this information to make our account current and request the funds through the Mortgage relief programs portal. We still need the XXXX that we were approved for through application ID XXXX to be applied to our loan.
Both companies are stating the other is to blame, meanwhile, I could lose my house to foreclosure. I have done everything in my power to contact both companies and resolve without resolution. I would like this situation escalated and to be contacted for resolution.
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| 10/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I applied for 2 different mortgages from Cross Country Mortgage in XXXX of 2020. One for my primary residence and the other for my vacation home. The process was slow and arduous for both, but finally I closed on XX/XX/2020 on my primary home. As of XX/XX/2020 I still had not received a close date for my vacation home. Since I'd received no communication from my loan originator, XXXX XXXX, for weeks, I started looking for alternatives and found another loan at a much lower interest rate and fees. I reached out to XXXX with this information and asked for the status on my loan and if he would meet the other mortgage brokers 's commercial terms. 3 weeks went by with no feedback. At that time, I reached back out and told XXXX that I wanted a refund of the upfront fees that I paid. {$1100.00} for an appraisal and an HOA doc fee. These fees were never indicated as requiring to be paid upfront in my original loan disclosure or discussions. This came weeks after my loan was in process. I paid these fees in good faith that the loan would close, but never did. I was told by XXXX that he would refund only {$170.00} of the total since they actually overcharged be for a {$750.00} appraisal that only cost them {$570.00}. I have closed many, many mortgages over the past 30 years. This is the first time I was requested to pay any upfront fees. In addition, this was the absolutely worst mortgage experience of my life. Cross Country Mortgage and XXXX XXXX specifically mismanaged this process from day 1. There were constant delays, hand offs to new people, confusion about the status. I view their practices as fraudulent and am requesting assistance in getting my upfront fees reimbursed. By the way, the new loan I applied for on XXXX XXXX will be cleared to close by tomorrow.
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| 11/14/2022 |
Yes |
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- Trouble during payment process
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Web |
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I had to go into a forebearance during XXXX in XXXX of XXXX, I did so on 3months of my mortgage payments. I was then offered a partial claim with a loan modification to get my loan up to date. This process started in XX/XX/XXXX. At this time my new mortgage payment was to be {$940.00}, my original payment was {$1000.00}. I spoke at length with a XXXX, initials XXXX regarding all of my new terms and why my mortgage was a new lower monthly payment. XXXX informed me that when they went to do my partial claim they realized I was also eligible for a modification with a new rate of XXXX bringing my new mortgage payment to the {$940.00}. I then signed my packet, had it notarized and sent it in. I then received the partial claim papers with terms but the modification portion was not upheld. I called and spoke with XXXX who assured me the new lower payment was in fact what I should be paying and that she would investigate this error. Many months and many hours trying to get an answer and this issue rectified and I am still waiting on this explanation. I then got a hold of a XXXX, XXXX XXXX and we spoke hours and shared many emails. XXXX informed me she was escalating this issue and would let me know. It has been over a year at this point and my emails to XXXX have now gone unanswered. I am beyond frustrated and I am seeking not only an answer but I want my modification to be upheld, as I have the letter and signed documents agreeing to the new payment amount. It seems to me that once my partial claim was paid out, Cross Country Mortgage cares less about my modification terms. I have diligently tried to get at least an explanation, XXXX and XXXX have never bothered to supply me with one and have not returned an email since XXXX of XXXX.
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| 09/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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XXXX XXXX, XXXX. Founder, President and CEO Cross Country Mortgage XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/2022 Re : Cross Country Loan Number XXXX Dear Sir- Please find enclosed approximately 40 pages of documentation that we have provided to your company in order to release our balance of {$7800.00} in insurance payments to us for the repair of flooding to our home. We have attempted to collect this amount from your company on multiple occasions since last May. We have continued to address newly generated information requests as they seem to occur to your Loss Draft department. I did not include the documentation we generated for your assigned appraiser who opted to take our pictures in lieu of visiting the residence.
As of XX/XX/XXXX, your Loss Draft department has not refunded our money and can not tell us what additional information needs to be provided. Rather, she told us we have insufficient documentation but without any explanation as to what that means. Instead, she transferred me to her supervisor for whom I left a voicemail. Consistent with your poor service, I have not received a return call.
We purchased our loan through XXXX. Typically I think XXXX does a good job of connecting its members with reputable vendors. In this case, I am copying XXXX so that they are aware of your poor performance.
I would like a response with ALL your documentation needs, Stop kicking the can down the road while sitting on my money.
Sincerely, XXXX and XXXX XXXX XXXX # XXXX Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Consumer Financial Protection Bureau ( via online complaint form ) XXXX XXXX XXXX ( via online complaint form ) California Department of Financial Protection and Innovation ( via online compliant form )
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| 04/15/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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For over two months I have attempted to get escrow to perform an accurate escrow analysis. On XX/XX/XXXX a disbursement of {$7300.00} was made for insurance which eventually was returned as the correct disbursements were made in XX/XX/XXXX. Despite the money being returned, it was not placed in escrow. As soon as discovers the overpayment I contacted escrow to fix the issues. First, a request had to be made for the funds to be returned it took 7-1o days, Second, the refund was wrongly applied to a different account causing an other request 7-10 days ; it was only discovered after I had called, third wait till the funds clear on escrow ; again I had to call and figure it out instead of getting a called back, Fourth called to determine funds were in correct account but the person I called last would not elevate the call to management and would not request a new escrow analysis because rules said I was not entitled to an analysis despite knowing it was the mortgage company error. The last persons stated the would place a request a new escrow analysis and would be ready on XX/XX/XXXX. On XX/XX/XXXX I received a new mortgage statement and it does not reflect the correct amount as the analysis was not conducted as promised. My take is he never placed the request and do hated me because I have an accent, he seemed to purposely negated my requests. Conclusion, the bank should have discovered the error no later than 30 days after the check not clearing and when 3 other checks were paid out to cover the insurance expenses. An expedited review should have been completed once the refund had cleared the escrow account. An apology should had followed. Lastly, the employees who did not ensure an escrow was conducted should be fired.
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| 10/08/2017 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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My Daughter XXXX XXXX and I have been trying to work with Cross Country Mortgage trying to resolve an escrow issue that I do not have the responsibility for paying. I signed a note that said my payment was to be {$570.00} per month. Then shortly after my payment went up from that amount to {$580.00}. I do n't understand why. Also, my mortgage company never paid my insurance escrow. So they put forced placed insurance on my loan due to their negligence of not ever paying my insurance company XXXX XXXX. I have never missed a {$580.00} payment since I began paying 2 years ago. They are now trying to collect {$2000.00} from me due to their negligence. I have never been without hazard insurance. My daughter faxed in my insurance information to them several times to show that I never had a lapse, and we spoke with XXXX XXXX and they also faxed it. Cross Country has ignored the paperwork. This has not helped. My Daughter spoke with the CEO of the company. That has not helped. Now they are reporting mortgage lates on my credit report lowering my credit scores. They have also sent my loan to loss mitigation. I have tons of loss mitigation letters that they keep sending. They have refused to rectify this situation from the beginning when I first bought the house. My insurance XXXX has also indicated to Cross Country Mortgage that I have never had a lapse in coverage and faxed in proof several times. If I ever did have a lapse, it was due to the Mortgage Company never paying for my escrow account. If I have a lapse now, it is as a result of Cross Country not paying my escrow account again. Again, they refused to remedy the issues. Instead, they keep trying to collect the money from me. It is n't my responsibility to pay.
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| 04/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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This complaint is about discrimination XXXX I'm XXXX, intentional mismanagement & refusal to speak to me as recently as XXXX XXXX despite the mortgage Co signing for certified letter from XXXX XXXX HUD counselor & I. My fiancee passed XX/XX/XXXX, I provided all documents to Cross Country Mortgage, in writing via email repeatedly for months yet was told by XXXX that they won't spk to me b/c i'm not the owner of home! the county already rec'd/recorded his death cert that I'm owner upon death survivorship. The Mortgage Servicing Co : XXXX XXXX XXXX had the wrong amount due for monthly mortgage since XX/XX/XXXX. XXXX would also consistently send documents via snail mail & hardship or other applications in the mail but would postmark date 1 or 2 days before deadline to return it. See attached proof. I filled out online hardship application on XX/XX/XXXX but it was deleted is now out of database, they've completely locked me out of the acct online & then foreclosure started without them even speaking to me nor notifying me, yet they've known my email address since XX/XX/XXXX. INSTEAD They sent LOSS MITIGATING PAPERWORK TO HIS daughter AT MY HOME ADDRESS!!! BUT SHE HAS NO CLAIM TO THE HOME & THEY REFUSED TO SEND IT TO ME. They would refuse to email or call me, made promises to call me & assign a rep to me but refused to do so EVEN after I filed a complaint with the Attorney General 's ofc in Florida, they only acknowledged it but never responded to me. I've filed several complaints with their attorney XXXX XXXXXXXX XXXX XXXXXXXX but never got a response nor resolution. I even sent them documents that show I am the primary beneficiary to his life insurance to show I can make the payments but still no resolution.
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| 01/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This is a follow-up to a previous CFPB case ( case letter and loan number as well as previous correspondence attached ). Cross Country Mortgage took money out of our escrow account and paid the incorrect tax parcel due to an address mismatch. We first informed Cross Country of this on XX/XX/XXXX. Almost a month later we finally received correspondence from Cross Country Mortgage and a CFPB case closure notice indicating that they would refund the incorrect payment to our escrow and that our property taxes would be " completed on XX/XX/XXXX ''. However it is now XX/XX/XXXX and our property taxes have still not been paid, and late fees have now increased to {$600.00}. On top of that, on the servicer 's own website our address is still incorrect ( despite sending both physical and digital change-of-address forms multiple times in the past month ) and the tax parcel ID linked to the supposed payment is still incorrect. I want to note that dealing with this has been incredibly frustrating, since first calling in on XX/XX/XXXX I have made over 20 phone calls to Cross Country Customer Support, sent 5 different pieces of physical mail requesting address corrections and tax payments, and sent countless requests for support via customer email and chat. Not once have I received a non-form-letter reply via email, phone, or the chat system, the only response I have ever received has been the CFPB response letter, and even in that letter the things that were stated to have been done ( aka making the tax payment on XX/XX/XXXX XXXX have still not happened. Since this has occured, over {$600.00} in late fees have been added to my property tax payments, and this amount continues to increase month after month.
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| 03/01/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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Due to XXXX I suffered the loss of my mother, sickness, and a loss of income, so it has been quite a struggle to maintain while coping with such tragedy. I have been reaching out to my mortgage company for over a year tying to obtain assistance with my situation, and to date, I have not been able to get a consistent answer. I have tried to apply for loss mitigation, and covid assistance, and most recently, assistance from the XXXX program.
In that process I also applied for bankruptcy, which is now open. The XXXX program has been trying to obtain documents from my mortgage company since XX/XX/2022, and they have been completely unsuccessful. My representative at the XXXX program asked that I reach out to my mortgage servicer in an attempt to retrieve the information needed. I have called multiple times and have gotten a different answer each time, I was even told by a representative, that she acknowledges I was given incorrect information. I have talked to rude customer service reps at my mortgage company on more than one occasion.
i have explained I just need assistance getting the records needed in order to move forward with my approval in order to get the payment assistance I need.
On more than one occasion I was assured the documents the XXXX program needs have not been sent.
I was advised to seek help with CFPB in hopes to get this matter solved.
My mortgage servicer is Cross Country mortgage. I have provided my contact information, and advised that I am aware of the process when there is an active Bankruptcy in place, but in order to get the matter regarding the documents getting to the XXXX program, they can call me at anytime, and nobody will respond to my request.
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| 10/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Report provided to employer without your written authorization
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Web |
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I have been receiving sales marketing calls from Cross Country regarding refinancing my home. I have explained to them i am not interested. I have receive marketing mail from this company. I have mailed back saying stop, not interested, do not mail. I still keep receiving phone calls and mail. I received a phone call on XX/XX/2019 and than on XXXX XX/XX/XXXX where my credit report was illegally pulled with out a verbal or written consent. On XX/XX/XXXX the phone call with Cross Country the representative stated if i was interested in refinancing i stated not at this time. Than he went to say well i have a coworker who will just give you information about today 's rate. I hung up the phone. Than i receive an alert that my credit report was pulled from this company. I immediately called back XXXX it kept going to voicemail. Than i called the XXXX XXXX company listed on the credit report for Cross Country. And i asked why was my credit report pulled i did not give any permission to have it pulled. The representative stated i can dispute but they don't have to have permission to use my information to pull my credit report. But i will have to contact them to get a letter of deletion. The representative stated i will have to call the company to request. Than another representative called me from cross country ( XXXX ) stating i have great news to help you refinance. I said i never gave you permission to pull my credit report. He said but don't you want a great rate. I said no i never authorize at any time for you to pull my credit report or have access to my information please send a letter of deletion and put my name on your do not contact list. Than he hung up on me.
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| 09/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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On XX/XX/21 Cross Country Mortgage ( XXXX XXXX ) took out two ( 2 ) mortgage payments totaling {$4000.00} ( {$2000.00} normally ). I had to move money immediately, so I would not overdraft on my banking account. I called customer service ( XXXX ) XXXX on XX/XX/21, but was unable to get through. I called again on XX/XX/21 and spoke with a customer representative that I needed to verify proof that they took it out twice. At the time of the conversation, my bank just showed " pending '' on the 2nd payment and the mortgage company would not refund my money. After I had proof the funds took out I called the mortgage company again ( I do not know this date ) and they had already in process of refunding the money on XX/XX/21. I called again on XX/XX/21 to understand why my account had not been credited the money. I was told by a customer service representative that the process is to issue a check and it would be mailed on XX/XX/21. I asked why I hadn't been notified of this before and the CSR just said it was " the process ''. She also said it would be about 7 - 10 business days before I would receive the check. By the time I get my money, it will be time for my mortgage to take out again. On XX/XX/21 the mortgage company called wanting clarification as to why I submitted poor reviews of the customer service and reiterated that it is because they took my mortgage out twice and were unable to provide my money back as easily as they took it. They never explained what their " process '' is, but if money is taken out electronically it should be able to credited back electronically. I am not in the position to be out {$2000.00} until the check arrives.
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| 08/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Cross country mortgage made significant errors in calculating our escrow payments during our refinance resulting in a current escrow shortage. The loan was closed in XX/XX/2020 and already in XX/XX/2020 the loan had a negative escrow by thousands of dollars. This alone appears to demonstrate negligence/recklessness in the calculation of the escrow amount. Our current mortgage payment increased {$500.00} as a result of their incorrect calculations. Cross country mortgage underwrote the loan. Cross country mortgage determined the monthly escrow amount. Cross country mortgage was competing with another lender and lowered our monthly mortgage payment in order to receive our business. The annual taxes have not changed. We received a letter informing us that our prior mortgage payment was short and that the current the mortgage payment increased {$500.00}. I called and spoke with someone at cross country mortgage and was told that when the loan was created {$2900.00} should have been collected at closing instead instead only {$1700.00} was collected. The agent informed me that the escrow payment went up by {$500.00} to cover the shortage which caused the mortgage payment to increase. The escrow shortage has now increased our mortgage payment significantly. Cross country mortgage told us that we had to contact the agent who created the loan. Even though he also works for cross country mortgage. I called the agent and he told me that he did not have access to the current escrow account.
We have attached emails showing the closing costs and discussion around the escrow. We have also attached our most recent mortgage payment showing the increase.
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| 08/02/2022 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
|
My wife and I have a VA mortgage through Crosscountry Mortgage.
We missed two mortgage payments -- one in XXXX XXXX, the second in XXXX XXXXXXXX
Crosscountry Mortgage correctly reported a rolling " 30-days late '' to the credit reporting bureaus after the XXXX XXXX payment was missed. Crosscountry Mortgage incorrectly reported a rolling " 60-days late '' status after the XXXX payment was missed.
My wife and I contacted the mortgage company in an effort to remedy the situation.
We were approved for a COVID forbearance, which was later extended.
The entire duration of the COVID forbearance ( to include the extension ) was from XX/XX/XXXX through XX/XX/XXXX.
On XX/XX/XXXX we made a mortgage payment -- during the forbearance period.
On XX/XX/XXXX we made a second mortgage payment -- during the forbearance period.
On XX/XX/XXXX, we made a third mortgage payment -- during the forbearance period.
We made these payments during forbearance to bring the account current.
Crosscountry Mortgage accepted these payments, and applied them to our loan.
However, the mortgage lender did not ( and still hasn't ) annotated our loan as " current ''. They continued to report " 60-days late '' on our credit reports.
The incorrect information Crosscountry Mortgage reported on my credit reports has harmed ( and continues to harm ) my wife and me in the form of emotional stress, higher interest rates, closed lines of credit from other lenders, and an inability to conduct financial activity with other lending institutions.
Our credit reports should reflect a 30-day late as of XXXX XXXX, and " pays as agreed '' as of XXXX XXXX
|
| 03/17/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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PREVIOUSE COMPLAINT XXXX - WAS NOT RESOLVED. NOT PROVIDED WITH WHAT I ASKED FOR.
To whom it may concern I am writing this letter because I have already attempted to get a validation for late payments being reported to reporting agencies by Cross Country Mortgage. After receiving a letter back from XXXX XXXX, she stated in her findings that I was in the process of getting a loan modification when the account was sold and transferred to another lender which means I no longer owed Cross Country and now my debt was with the new company. I am writing because when I was in that process of loan modification and obtaining a forbearance, I was told no late payments would be reported during that process and before it could be fully modified the account was sold and they did the modification for me. What I need from your company is the XXXX negative late remarks being reported to the reporting agencies removed from my file. I am asking for a goodwill letter request and would like a Universal Date Form faxed over or mailed to all reporting agencies to be sent out on behalf of Cross Country. There is no need for Cross County to maintain these negative remarks as I have no debt with this company and these remarks are causing me a great harm financially on my background. I am asking for a good will request and have all negative remarks removed or show the proper debt validation that these payments were late even though I was in the process of a loss mitigation and was told no late payments would be reported during that time.
Once again, it cost your company nothing to remove these negative remarks from all reporting agencies.
|
| 10/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
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it started in XXXX when my wife passed away. i have a mortgage with this company and i called them after my wife 's passing and talked to XXXX XXXX a senior loan officer with the company and asked about a lower interest rate and payment since my income had dropped with my wife 's passing. he said sure they would work on it and they did and i started talking to XXXX another associate and was told by XXXX not to make XXXX payment which I did after it drug on and then was told not to make XXXX or XXXX payment so i waited and finally in XXXX i got an email with a revised mortgage plan and i looked at and sent it back. then i got a closing XXXX XX/XX/XXXX from XXXX XXXX another sales manager.i looked at and signed it and sent it back. then XXXX called me and needed a copy of my wife 's death certificate and i sent it to XXXX XXXX XX/XX/XXXX then i checked my email and it said that my application had been closed.with no explaination. i have called these guy 's several times with no response and emailed them several times with no response. now i find out that it shows a late payment for XXXX on my credit report. i made all the payment for XXXX on the phone to get caught up and mailed the XXXX payment the same day..i found out they told me not to make the payments so it would show on my credit report so that they could keep my business.I need some answeres to why suddenly they closed my application. i made payments to them for a year with non being late. i had the money to make the other payments but was doing what they asked me to do. need that late payment off of mt credit report.Thank you i need help with this issue.
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| 11/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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CrossCountry Mortage made a significant error that violates the 2020 CARES ACT by proactively reporting a missed/late payment to all the credit bureaus while my mortgage was in Forbearance. The many representatives I have spoken with have apologized for this mistake and no of them can understand how and why it happened, and why Cross Country Mortgage has not fixed the mistake. A work order for fixing and correcting this mistake was submitted in XX/XX/2020 ( now it's XX/XX/2020 ) and a representative just confirmed that the " work order was never worked on ... ''. Again I received another apology, yet my credit has dropped over 170+ points and this mistake has caused major financial damage to me and my family because it was never " worked '' on when it was brought to the attention of CrossCountry Mortgage. My credit for the past 15 years has been 820+. And now since XX/XX/2020, CrossCountry Mortgage a 2nd time reported a missed and late payment to my credit AGAIN. Long-standing lines of credit that I've had for 15+ years have been canceled as a direct result of CrossCountry 's mistake. New career and job opportunities have not resulted in hiring after the company pulled my horrible credit that is due as a direct result of CrossCountry Mortgage. They continue to apologize and continue to do nothing and as a result I lose job opportunities, long-standing credit lines get yanked away, I'm unable to get a business loan, there are going to be issues when I need to refinance. I'm at a loss and have never in 20 year of doing business been so disappointed in a financial institution as I am with CrossCountry Mortage.
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| 05/17/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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This started from the XXXX month of closing my home with Crosscountry mortgage- where they started to XXXX me about collecting a debt of which gave me u til the XXXX of each month to pay started to call me on the XXXX of the month - my payment originally at closing was for {$2700.00} which has gone out every mo th since XXXX of 2021 until now which they stated I was Short $ XXXX of escrow - which they purposely never sent me a notice that there was lapse of my home owner insurance which they went out on their own to get a homers insurance at XXXX times the price where my original home insurance was XXXX they went out and got one for {$8000.00} which is ridiculous they never notified me nor call me they did have my current XXXX address which I never received anything until XXXX months later when I asked why are they calling me with the collection of asking me for {$5000.00} which then they find re adjusted after I got a new home home insurance for the same price instead of XXXX I got it from state then my flood insurance went up by three times. Return my mortgage payment of $ XXXX- they should be responsible for scamming me. Scammed me of escrow all Of a sudden from XXXX to XXXX escrow balance - they ARE XXXX - my credit score dropped from XXXX to XXXX!!!!! when I give them a call Im always been transferred from Customer Service collection to insurance to back to Customer Service which is ridiculous nobody talks to each other and yet I get calls cost me which is harassment so I need to report them because now theyve messed me up with my credit and mark me 30 days late Ive been having excellent credit since
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| 05/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account status incorrect
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Web |
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Hi, My name is XXXX XXXX and husband XXXX XXXX. We have a mortgage through Cross Country Mortgage for our single family home, that was completely devastated and lost due to XXXX XXXX XX/XX/2022. Our home had 8 feet of water and was recently completed remodeled, we lost ever single item inside the home and the home itself, in which we are intended to rebuild better to hurricane code and higher elevation. We were in a federally declared disaster and they went through forbearance. They said this would NOT hurt our credit, it not only hurt our credit, but went delinquent not only once but now twice. My husband and I have been displaced from our home for over 7 months now, we are in permitting to rebuild our home and had previously over 800 credit scores and now they are XXXX and under 600.
Our credit score was hit twice in XXXX and NOW again today as they assured this would not happen again, and would submit a credit reversal and stating that it was a mistake on their end ( mortgage company ), but it happened now again. We are crying and completely devastated. Not only did they hurt our credit twice, they won't put a supervisor on the phone to talk to us. We just want to continue our monthly payments again and have this whole process justified. This was intended to help us through this disaster, but it has hurt us tremendously, we have been living in a hotel for 7 months now and they also are keeping our insurance money until we make progress on the house, in which now our credit is completely messed up for. Please help us we want to take legal action, this is not right at all what they have done to us.
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| 04/27/2023 |
Yes |
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- Trouble during payment process
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Web |
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I am receiving restricted calls from the collection department ( Cross-country mortgage ) saying I'm not being worked with on a loan partial ( which I am working with loss mitigation ) for my Covid Forberence that ended in Decemeber XXXX. ( pictures attatched ). I received a call XX/XX/XXXX from the initials LiL ( women ). She did nothing but tell me I'm not being worked with on the loan partial when I know I am. I'm being in constant contact with the Loss mitigation department and I'm just waiting on the under writers. Due to high volume it is taking a little longer. So after I talk with initials LiL and she asks me for full payment I ask to be transfered to loss mitigation to see what's happening. Once I'm transfered a very rude gentleman in the background is yelling THIS IS NOT HOW IT WORKS and he hangs up!!! So I immediately call back and speak with a women from loss mitigation process and everything is fine she tells me they are just waiting for the approval and it will take time due to high volume. So now today XX/XX/XXXX I am receiving an email saying " We have previously notified you about the delinquency of your account. Our records indicate that we have not received your payment which was due on XX/XX/XXXX. ". I Was in covid Forberence until decemeber XXXX and resumed making my normal house payments in XX/XX/XXXX and since then have been making them. Why is the collection department saying I am delinquent from XX/XX/XXXX. Please look into my account. As of now I am being told I am waiting for approval on loan partial but am now starting to be harrased by the collection department.
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| 03/16/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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Cross Country Mortgage bought a required flood insurance policy when I purchased the property in XXXX. That policy was $ 3300 yearly. On XX/XX/XXXX I found a flood insurance policy through XXXX for {$540.00} annually. I sent the documents to the mortgage company via email to both their customer service address and to the loan department on the XXXX of XXXX as well. I sent them again on XX/XX/XXXX. I followed up with several phone calls and each time was told it was taken care of and would be reflected when the escrow was reevaluated. The {$3300.00} policy was canceled, the escrow was adjusted and an {$1800.00} escrow refund was issued. In XXXX, I was informed that the Progressive policy was never paid and they repurchased the {$3300.00} policy. I made numerous phone calls, was never able to speak to the same person twice and was told each time that they could see where the policy wasn't paid and they would look into it. I tried to get the Progressive policy reintroduced but now they say I need a new elevation certificate which is expensive in and of itself, and that the lines for the flood zones have been rewritten so I can no longer get that policy. The result is a $ XXXX increase in my mortgage payment and I fear that if my health declines and I can't work, that my VA disability won't be enough for the payment and I will lose my home. Every time I have spoken to the mortgage company they have stated that they see they made a mistake and would look into correcting out but nothing has been done. As a result, I have been paying for this oversight for many months and I can not afford it.
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| 07/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/22 I had an escrow balance of {$5100.00}. My flood insurance was due and was paid on XX/XX/22 in the amount of {$1400.00}. This left me with an escrow balance of {$3700.00}. On XX/XX/22 an escrow analysis was performed at a refund of {$2500.00} was issued ( I have not received this as of XX/XX/22 ). This would leave my escrow balance at {$1200.00}. I called on XX/XX/22 to rectify the under payment of refund. My escrow account only needs XXXX the disbursement amount ( $ XXXX = {$230.00} ). Therefore, I asked why I still have {$1200.00} in the account if Federal and State law require only {$230.00}. I asked for another refund in the amount of {$1000.00}. Total refund at this point should be in the amount of {$3500.00}. The CSR I spoke to was rude and unprofessional. She wanted to know where I got my numbers. I told her the same information above and she said on her end of the system she only shows {$230.00} in the system. I told her that was incorrect and where can I send my information to escalate. I was provided the customer service email and sent the same information there. On XX/XX/22 I received a call from the mortgage company, but as soon as I answered they hung up. I checked my account again and have noticed they paid my flood policy twice. The 1st payment was on XX/XX/22. A 2nd, unauthorized payment on XX/XX/22. Now my escrow account reflects a balance of {$230.00}, but the mortgage company duplicated my flood payment. I want the excess escrow balance of {$3500.00} to be refunded to me. I have not received any refund as of XX/XX/22 and my mortgage company isn't helping.
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| 05/03/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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In early XXXX I received a letter for a trial period to complete before a loan modification would be granted. I completed the period early. I have documented every payment. I was told to wait 30 days for the new loan documents to be sent. I have informed delivery on and the documents were never sent. I confirmed this with their rep XXXX. I asked for the tracking number or proof of sending them certified, and he agreed there was none. I was sent to foreclosure in mid April for 'not having the documents notarized and returned. These documents, they have no record of ever sending. I have called every 3 days as recommended to follow up and be sure I was moved out of foreclosure and the documents could be reprinted and sent by certified mail. Finally on XXXX I was told the documents were generated and I have to call back on XXXX to see about certified mail tracking number. When I called today the rep said 'Wait 30 days and we will send them in the mail '. This is NOT acceptable. CCM failure to send the documents in XXXX led to be being thrown in foreclosure once! I asked to speak to the supervisor 3 times on this call and the rep started reading a script about partial claims program, and ignored my request. Since the documents WERE approved to be reprinted on Monday, its unacceptable to go 30 days without any proof or tracking on them in HOPES that CCM performs their responsibility and I still don't have confirmation that I am out of foreclosure due to their error. Finally their rep, XXXX told me there is no team lead or supervisor that can speak to me. This is unacceptable.
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| 04/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Received two Loan quotes from the preferred in-house Crosscountry lender on a new home purchase XXXX18 that varied greatly and extra fees to recoup their {$7000.00} incentive. Told him that we could not do these loans. The sales office uses " Steering '' tactics to scare you into choosing the in-house CrossCountry lender. Looks like the Builder may have family connections with preferred lender. Is this why the builder " Steers '' customers here? Lender conveniently matched the outside lender and gave us {$7000.00} incentive to use towards closing costs once he knew we were going with outside lender. We signed off on the new loan estimate. Time passed to change lenders and then he " Crosscountry '' told us that we did not qualify for new loan. He once again charged the higher pmi from {$240.00} to {$300.00} and went from {$0.00} points to {$7000.00} in points. We did not agree to this. We agreed to move forward on the loan we signed off on. Our other lender was not charging points, lower pmi and was going to get us a credit to compete with in-house Crosscountry lender. Builder is keeping our EMD because we cancelled. We could not afford the extra pmi and we were counting on the {$7000.00} so called credit. We had XXXX credit rating, money in the bank and good jobs. How can a builder back you in a corner until you have no choices and make you purchase a property? Their in-house lender does not follow through and the consumer pays for it. There seems to be an inside operation going on here, Builder and Sales manager at Crosscountry same last name? Interesting!
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| 02/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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After Hurricane IAN devastated XXXX, my mortgage company Cross Country Mortgage Inc. offered me the opportunity to go on the mortgage relief program with a forbearance for 3 months and resume payment thereafter. I was given specific instructions and I asked specific questions pertaining to my credit score being affected. I was also told by Cross Country Loss Mitigation that when the payment resume, it will be credited to the current month, and the balance resulting from the forbearance will be deferred to the end of the loan. I also asked repeatably, if my credit will be impacted at all, to which they replied NO, multiple times. All these conversations on a recorded call as they disclosed at the beginning of every customer service call Upon completion of my forbearance, I resumed my timely payments. I have evidence they collected the payment on time. However, they credited the payment to the month of XXXX and not the current month as they told me, and they reported me 90 days late and my XXXX score dropped XXXX points from XXXX. They told me that my next payment will be credited to XXXX. This situation will create recurring 90 days late. This is incorrect based on the terms of the forbearance I was given.
I tried to get this resolved with the lender and their research depart but it's not going anywhere. I asked the research department about the process to subpoena the recorded calls, but have not heard back from them yet.
This is a serious matter and very detrimental to my family 's financial stability. I hope you can help me.
Kind Regards
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| 07/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Refinancing loan signed and closed on XX/XX/XXXX with CrossCountry Mortgage, LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX. On XX/XX/XXXX, I signed on online access and noticed the escrow amount paid to lender, 1st payment due date and interest amount paid to lender did not match the CD. Contacted the lender and servicing center on XX/XX/XXXX via secure messages & emails. XXXX XXXX XXXX, Branch Operations Manager, phone number : XXXX confirmed she had contacted their servicing center and ALL mistakes would be fixed. My online secure messages or email to the servicing center were never responded. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX with USPS stamped XX/XX/XXXX from Crosscountry Mortgage Servicing, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ILXXXX, stating they are preparing a response to my inquiry. However, the new statement dated XX/XX/XXXX was still showing incorrect amounts. Errors in my account needed to be fixed : 1. Interest paid to lender as of XX/XX/XXXX is XXXX USD. 2. 1st payment due is XX/XX/XXXX and should be XXXX USD ONLY. 3. Total paid year to date amount should be XXXX USD interest + XXXX USD escrow = XXXX USD. This is a NEW refinancing loan and CrossCountry Mortgage, LLC servicing center should not have problem entering the CORRECT data into their system. I am very disappointed with the service. Poor communication and inadequate to enter, correct data for their mortgage clients. I'm requesting to have all information corrected in their system and provide me with an update statement.
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| 02/14/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I have been trying to close a mortgage with Cross Country mortgage since about XXXX of last year.
Half of the problem was I needed a co signer, that was corrected and I was told We were approved.
I can not get a loan decision yes or no from cross country mortgage. I was transferred from loan officer XXXX XXXX to an associate XXXX, to loan officer XXXX, all tried their best but were limited by someone or something. I was then transferred to manager XXXX XXXX, who made it seemed she could handle the situation, she was incorrect. She's been on this a month and made no progress except to aggravate us with missed appointments and phone/text " tag ''. My next call was to the company which is evidently a franchise or similar. I called XXXX and spoke to XXXX, he really did care and got some action from the franchise we are dealing with. He was able to get XXXX at XXXX to call me within 24 hrs!!
I spoke to XXXX he said he needed time, that was four days ago. There has be no communication since phone, text or email.
Supposedly we had a rate lock, and a pending approval, however conveniently my appraisal expired as did the current pay stubs. So I had to pay for another appraisal and have hr departments do all the work again!
So here I am 1.5 months later with no decision, as I understood there were questions from underwriting. No one has communicated the questions to me in any way, email, text, or phone call. To date this year I have not received a loan number Do I need a lawyer??
Thank you XXXX XXXX
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| 05/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The State of Florida 's Homeowner Assistance Fund XXXX XXXX XXXX has been paying my mortgage directly to Cross Country Mortgage since XX/XX/2022. In XXXX, I started receiving calls and notices that my mortgage payment was late. I called the State of Florida 's DEO Homeowner Assistance Fund Team, who informed me that my payment was sent as normal. I called Cross Country and the State of Florida numerous times trying to resolve this to no avail. I made a direct payment to Cross Country for the past due mortgage payment to try and make sure that my credit wasn't affected by this issue between the State of Florida and Cross Country. Subsequently, I again started getting calls about my payment for XXXX being late. I again placed several calls to both the State of Florida and Cross Country. Cross Country indicated that they were aware of some issue, but couldn't elaborate. After continuing to call and research this problem I was made aware that Cross Country changed their mortgage servicer to a company called XXXX. I called their number, which rang through to Cross Country. I was told by them that the servicer wasn't the issue, and to ask the State again for information. When I called the State back, she indicated that they were having issues with ALL Cross Country mortgage payments that they are making on behalf of claimants, and told me that they even had an all staff meeting to discuss. I was last told that this was being escalated by the State of Florida to some form of outreach to Cross Country.
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| 04/27/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I applied for a mortgage with Cross Country Mortgage to close on my current home at the behest of my realtor because XXXX XXXX was taking much too long. I had done a refi with XXXX XXXX on my previous home so I guess my credit score was lower than it should have been. Cross Country Mortgage insisted that I had to go FHA when I have had conventional mortgages for the past 2 homes. I had 20 to 25 % for the down payment and the said I still had to go FHA. I was not happy with this and voiced my issues with FHA loans but I had to close on my home so I had no choice. Then I find out the day before I got stuck with PMI and upfront PMI {$5500.00} which I questioned when I had 20 to 25 % down payment why would I need PMI. Could not get a straight answer from anyone so I called Cross country in right after the closing and asked them to remove the PMI. They sent me a letter with the criteria and that it could not be removed for 11 years. I am paying {$210.00} more a month in PMI. I have called a few times and get no answers and help and spoke with my sales person, The last call I made I was told I have 81.1 ltv when I should have under 80 ltv and that is why I can not remove my PMI. Sounds like they lie to to their clients as much as they can. Why would I take PMI when I am trying to retire in a few years, I am XXXX XXXX old.If I refinance into a new loan the rate will be higher and it will cost me between 7,000 and 10,000. I would like my upfront PMI payment back and the monthly PMI removed from loan,
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| 11/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My primary residence home has its only mortgage with CrossCountry Mortgage Company. The mortgage account has a Escrow Account with it. According to the term agreed by both sides, the Escrow Account only escrows property tax and does not escrow insurance.
I received my property tax bill in XX/XX/XXXX, due in end XX/XX/XXXX ( see attached " XXXX XXXX XXXX XXXX '' ). I emailed CrossCountry Mortgage Company to remind them of the bill on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They assured that they were " scheduled to disburse your county tax payment to XXXX XXXX XXXX XXXX in XX/XX/XXXX, in the anticipated amount of {$3100.00}, from your escrow account. '' ( in their XX/XX/XXXX email, see attached " XXXX '' ) ; they would " electronically verify the final amount due before the next disbursement is processed '' ( in their XX/XX/XXXX email, see attached " XXXX '' ) ; and " it is not necessary to make a payment towards your escrow account before the upcoming disbursement in XX/XX/XXXX. '' ( in their XX/XX/XXXX email, see attached " XXXX '' ).
However, I received a new property tax bill with past-due penalty on XX/XX/XXXX ( see attached " XXXX '' ), indicating that CrossCountry Mortgage company did not disburse my property tax payment to New XXXX XXXX XXXX in XX/XX/XXXX. I tried to reach out to CrossCountry Mortgage Company to resolve the issue, but failed to get their response. As a result, I had to mail a check with the payment requested in the new property tax bill to avoid any further delays.
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| 06/22/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I own a mortgage company, and we have caught a specific loan officer who works for CrossCountry Mortgage in our local market committing fraud ( editing income documents and social security verifications ) numerous times in the past 12 months. After the mortgages were funded, we have been told by the realtors involved what he did to get them done or had applications and income documentation or verifications from the same borrowers proving it was not possible. Creating fake social security cards, changing employment dates on employment verifications, and editing income amounts on documents are recent situations where we had an application from the same borrower and had verified the documents which could easily be used to compare to the documents that the loan officer with CrossCountry Mortgage gave to their underwriter.
I am required to report these occurrences when they happen, and have called CrossCountry Mortgage to report the fraud immediately after it came to our attention six times in the past 12 months. Each time, the phone operator takes down my name and number and says they will send it to their compliance department so they can call me for the details. They have never once called me back to find out which of their loan officers is committing fraud and on which transactions. It appears they are supportive of their loan officers unethical and illegal actions by not bothering to follow up. I even sent a message to their CEO through XXXX at one point that again resulted in no response.
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| 03/06/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Obtained pre-approval on loan prior to searching for a home and was approved for FHA loan and XXXX XXXX informed me that he will need 60 days to close on FHA.
XX/XX/XXXX offer made on property at XXXX XXXX XXXX XXXX PA XXXX and not expected to close until XX/XX/XXXX based on what I was informed.
Provided XXXX XXXX and his team at Cross Country Mortgage everything they requested in a timely manner.
During the 60 days timeframe sent multiple emails were sent to confirm on track and request status update.
I was sent disclosures documents to sign in middle of XXXX. At the end of XXXX I was informed that the loan Originator XXXX XXXX had made a mistake on the initial disclosures statement, my interest changed and points were being added despite the purchase amount of the property did not change.
I confirmed after getting the disclosures paperwork with the increase that this will not delay closing as I was renting and I had already provided my lease termination letter to my landlord.
Closing was to happen on XX/XX/XXXX however one week before that I was informed by XXXX XXXX that we are not able to close due to the error he made in the original disclosures paperwork.
So closing happened 1 week after original date, however even after closing I was contacted to provide additional information and they did not have all of the necessary paperwork to the settlement office as requested 24 hours prior to settlement date, the paperwork was submitted with a couple of hours to closing time.
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| 09/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
- Application denials
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Web |
Servicemember |
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We listed our house for sale on the XXXX of XX/XX/2023 and received and offer on the XXXX of XX/XX/2023 for the amount of {$390000.00}. We cancelled our open house for that following weekend as we received this offer.
The buyer received a pre-qualification letter from Cross Country Mortgage for the remaining amount of {$290000.00} after a 25 % down payment. Buyer was scheduled to close on our house on the XXXX of XX/XX/2023.
Meanwhile we are going through all the home inspections, appraisals and repairs while the closing date approaches.
On the night of the XXXX of XX/XX/2023, XXXX days before we were scheduled to close on our property we were notified by our real estate agent that the buyers lender had an " XXXX '' and didn't catch a discrepancy with the buyers debt to income ratio.
This has left me and my family in a financial hardship because I now have to pay for XXXX mortgages as we lost XXXX days of showings and potential buyers, time lost due to scheduling home appraisals, inspections and repairs. In addition we had to wait another XXXX days for a termination letter to relist our property. Now we are without a buyer and have at least another XXXX days with XXXX mortgages.
Cross Country Mortgages failure to identify this discrepancy is unacceptable and very unprofessional.
Attached is the pre-qualification letter for the buyer, an email from the loan Cross Country Mortgage stating she solely caused this issue and the manager for this unprofessional company.
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| 06/20/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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There appears to be a RESPA violation with XXXX XXXX of XXXX XXXX XXXX XXXX out of XXXX requiring all potential buyers of her listing to cross qualify with XXXX XXXX of Cross Country Mortgage. Upon research by my agent, it has been discovered this has been going on since 2014 on her listings. Since this appears to be directed by the listing agent, and not the seller as it would appear to be too coincidental that all of her sellers would be recommending a cross qualification with XXXX XXXX without the solicitation of XXXX XXXX, that there is something going on behind the scenes whether it be a kickback, or promise of business, or even financial consideration. I was required to cross qualify and after our offer had been accepted XXXX XXXX came back and said he did not like our buyer 's ability to obtain financing. At this point the offer was already accepted, and XXXX XXXX at the direction of XXXX XXXX breached our contract by having her seller 's sign a unilateral cancellation. It appears the relationship with XXXX XXXX also is in place to try and find loop holes in case better offers come in, something which does not work in California in regards to fully executed real estate contracts. Because of the relationship with XXXX XXXX, XXXX XXXX and their preferred escrow XXXX XXXX, the contract is stalled until further action is taken. I am approved and ready to go with XXXX XXXX, and buyer 's can not be forced to obtain financing through a specific lender.
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| 04/13/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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Started financially struggling XX/XX/XXXX. I planned on borrowing the owed amount so I asked the foreclosure attorney for a reinstatement letter but never got them when valid. Difficult process. Then I asked if I had any other options. Sent me a loss Mitigation packet with no explanation or direction. Horrible experience. Finally got HUD involved in XX/XX/XXXX. Was approved for forebearance starting XX/XX/XXXX thru XX/XX/XXXX. Foreclosure process still moving forward while in forebearance until on or around XX/XX/XXXX when I emailed Cross Country, XXXX and the foreclosure attorney asking why we have court on XX/XX/XXXX. That is when I learned the XX/XX/XXXX court date was to request a sale date from the judge. No loss mitigation offered in the first forebearance entered into a second forebearance on XX/XX/XXXX thru XX/XX/XXXX. Received my partial claim packet today. XX/XX/XXXX. Owe $ XXXX ( no explanation or breakout provided- previously requested ) monthly mortgage payment went up roughly {$200.00} again no explanation provided. While in forebearance Cross Country reported delinquent to all XXXX credit bureaus. Asked it to be corrected as of today still showing in foreclosure and delinquent.
XXXX. Dual tracking XXXX. Ok to report delinquent while in forebearance?
XXXX. Never ( to my knowledge ) received or informed of the foreclosure process learned after the foreclosure attorney filed. No certified letter or call from Cross Country Mortgage.
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| 05/03/2017 |
Yes |
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Web |
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My complaint is about a mortgage application and closing. During the home purchase process, i applied couple lenders and was informed that due to my visa status, i was only eligible for an FHA loan.I got approval from the Cross Country loan company for my home purchase and i submit all required information and documentation. I informed C ross Country about my visa status and submit all related legal documents too. After their approval on XXXX XXXX XXXX , i continued with the purchase process, paid for inspection, paid {$450.00} to Cross Country for appraisal. Closing date scheduled was XXXX XXXX XXXX and on XXXX XXXX , i was informed by my real estate agent that there was a problem with my loan. Cross country then disclosed that i was ineligible for an FHA loan due to my visa status, just 2 days before closing date. After a research and discussions with other lenders, i found out that i was actually eligible for the loan. I paid {$1000.00} additional earnest money and extended the purchase contract, transferred the loan to another lender, XXXX XXXX XXXX . We also transferred the appraisal from cross country but we were unable to use it therefore i paid for the appraisal again. Not to mention inconvenience about my other arrangements for moving, my current rental place and costs associated with those. Eventually, as of today XXXX / XXXX / XXXX , i got the loan from XXXX and successfully purchased the property.
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| 05/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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At my closing, I was presented with closing documents that were different from those sent to me. The closing cost was more than {$500.00} more than what was quoted to me. When I questioned this the lawyer said that if I didnt sign the document stating that I had received the document in advance we could not close. Both the attorney and I attempted to call the closing agent, the loan officer XXXX XXXX and his manager at Cross Country Mortgage. None of them answered or returned the call. I was charged for insurance fees which were never discussed and not owed. I was only at closing advised of the relationship between Cross Country and the law firm. I was never provided with the names of other options until Closing. I have repeatedly contacted the insurance company, but they have not received the funds. I have contacted the XXXX Law Firm 5 times each a month apart. They state the they have only collected what Cross Country told them to collect. They say they have to contact Cross Country but they never get back with me.
I am very concerned that Cross Country practices deceptive practices saying they cant schedule closing in advance ( cant even give 7 days notice? XXXX, they ask that I sign documents stating that I received documents in advance when I in fact was not given the document, they are misrepresenting fees to get customers to use their companies and finally they are collecting fees that are not owed and then not refunding them.
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| 03/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I started a mortgage application for the refinance of my Co-Op with Cross Country Mortgage in XX/XX/2021. Initially I was told this process would take approximately 60 days to complete. Communication with this company was steady and fair until around XX/XX/2021 when I was waiting for a closing date. I the operations manager that I was assigned to when I didn't hear back from them around the time I should have received a closing date. I was told that by her they were waiting for a response from the Attorneys that they chose. After another 2 weeks went by I contacted them again and was told they would go with a plan B which was to find a new lawyer. Two weeks after that I began calling and emailing both the operations manager and the loan originator and got no response. Finally I contacted the attorneys they chose. When I spoke with them, I was told they represent the lender so there really wasn't anything for them to do but secure the title. I called the mortgage company back and was transferred to a manager who then told me that my application is no longer valid and these things happen. He stated he would find a new lawyer and restart the process. As of the date of this compliant I have yet to receive any response from them despite numerous phone calls, and emails. 2 disclosure extensions and XXXX later for an appraisal and Co-op survey fees and I have yet to hear back from this company despite numerous phone calls and emails.
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| 12/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My house sustained flood damage as a result of XXXX XXXX. I received an insurance check in the amount of XXXX. The check issued was a XXXX party check made out to myself and my insurance company. I called my mortgage company 's Loss Draft department and was told to send them the check as well as a copy of the damage report. I did so and XXXX 'ed both on XX/XX/2021. They state that they mailed out the endorsed check to me on XX/XX/2021 and I never received it. I contacted them asking for a tracking number and this multi-million dollar company told me they just slapped a stamp on the sucker and hoped for the best. No tracking, no confirmation it was even sent, nothing. I asked how they could do that and the rude woman on the phone told me they'd do that even if it was a XXXX check and said if i wanted better I should have pre-paid for a XXXX label. This option was NEVER given to me. If it was, I would have taken it in a heartbeat. Instead, I am being forced to go back to the insurance company, request a new check, draft a letter stating I never got the the check, mail it all to them again and hope that history doesn't repeat itself. I asked to speak to a supervisor but was instead transfered to a voicemail box. I never received a response. I emailed twice, no response. I love how a mortgage company could lose your payment check with no repercussions, but if they lost mine I would be hit with late fees and interest from day one.
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| 11/28/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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The notice that I received on XX/XX/2022, did not meet the standard required by federal and state law for a debt collector to send a written notice containing : a. the amount of the debt ( 1692g ( a ) ( 1 ), b. a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ( 1692g ( a ) ( 3 ), and c. a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor ( 1692g ( a ) ( 4 ).
Despite the failure to provide the above, XXXX XXXX XXXX XXXX XXXX XXXX gave notice stating that unless I pay the alleged debt in full including attorney fees, there would be a Non-Judicial Foreclosure on XX/XX/2022.
I am in the process of sending to XXXX XXXX XXXX XXXX XXXX XXXX a " NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT '' notice. Whereas, I expect according to the Consumer Protection Law of the United States Code, verification and validation so that I can consider a resolution if applicable.
I dispute this alleged debt, until verification and validation has been fulfilled in accord with the above notice, by the law office of XXXX XXXX XXXX XXXX XXXX XXXX ( debt Collector ).
Thank You
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| 11/23/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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I am a small business owner. Due to Covid Ive had to shut down my business. My employees have gotten sick so has my husband and I. I recently applied for hardship with my mortgage company CrossCountry Mortgage in XXXX since then I have gotten the run around. I have sent over 200 pages of everything they have requested and they keep telling me the have not received half of it. I have emailed them XXXX times with the information and have uploaded it to a portal account I had to create with them. They keep telling me they have not received it. I have been trying to get a hold of the person in charge of my account XXXX XXXX and left numerous messages for her with other agents because all the agents can do is email her and supervisors for a request to call me back and I havent heard from her or any supervisor since XXXX Ive called and requested for them to call me back and I still havent heard from them. They are now requesting some new information that I can not provide because I dont own any rental properties in XXXX XXXX XXXX I only help my father in law mange his house that he put up on XXXX. Im trying to get someone in there who I can explain this to and I get no help. Im falling behind on my mortgage payments. This is my primary residence and all I ask from them is to give me a forbearance and they do not want to help me or even give me a call back. Please help because I do not want to lose my home or mess up my credit.
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| 02/16/2021 |
No |
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- Trouble during payment process
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Web |
Servicemember |
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I re-financed my loan mid 2020 ( moving from XXXX to Cross Country ). After closing the title company AND the mortgage company ( CC ) paid the home owners insurance. A refund was made to the mortgage company as a result of the duplicate payment yet the credit was never posted to my account. As a result CC increased my monthly mortgage payment by {$280.00} a month to account for the 'shortage ' in the escrow account. There is in fact no shortage as the double payment was credited back to my account however an escrow analysis was never completed. Since XXXX I have made multiple calls a month to the XXXX number provided by CC as well as to my local mortgage lender with no answers. IF I can actually get through ( often times after I press all the options to talk to someone the call sits on hold for 20+ minutes with no answer or it hangs itself up ) I speak to someone who refuses to allow me to speak to loan servicing who handles the escrow analysis. I have been assured multiple times that a request has been made on my behalf to servicing and that I would hear via mail within 10 business days yet no follow up has been received and my account has still not one through a re-analysis. In all my years as a home owner I have never dealt with a company with such poor customer service, poor response time and inaccurate account management. I will never work with CC again and I feel as if their business practices are unethical.
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| 08/16/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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I had some financial problems back in XXXX and had to go through XXXX for mortgage assistance. It took a few months to finally get approved and me and my wife were so grateful that we were getting the help we needed to get current on our mortgage. In the end of XXXX of XXXX I got the great news that the funds will be applied to our account and our mortgage will be current. As of XX/XX/XXXX the funds were supposed to be applied to account and this is the XXXX th of XXXX and the funds are still not applied to our account. Called lost mitigation multiple times and they keep telling me the same thing that the funds were never received. I have proof and assistance program has proof the money was sent out. Loss mitigation keeps telling me they are working on this to resolve it and five months later I'm getting the same response every time. I sent them several emails with reference number for them to look up the payment and also screen shots of the date that this was paid and still they say they have no funds to put towards the account. I'm getting very concerned that I am going to lose my home. I got this help to be able to keep my home for me and my family. This bill keeps getting bigger and bigger and I feel like they are keeping the funds to their selves and trying to blow it off and they want me to go into foreclosure and lose my home. I'm currently working with the assistance program to try to get things resolved.
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| 12/07/2020 |
Yes |
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Web |
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This company is to hard to finance with. I have done everything they asked, they don't return calls but to ask for more and more to close a loan. They know my dad is hurt and going to XXXX and I gave them Loan Conditions on time and letters of understanding with there help. I ask them if I could close on XX/XX/2020 instead of the XX/XX/XXXX the answer was not going to happen we need releases. I was suppose to close on XX/XX/2020 but the lone organizer bailed so we had to change the date. I reminded them please keep in mind you made me and my dad a promise in front of sells, that you you keep the deadlines as along as we turned in everything and we did that. That was on XX/XX/2020 for XX/XX/XXXXclosing, now we are going into XXXX for closing we are a very disappointed and feeling overwhelmed! We gave up on other lenders for you guy 's and I showed that to the team and was asked to trust the process and told them on Friday XX/XX/XXXX that after Monday the XX/XX/XXXX if it is to much of a burden we walk. They called and asked for loan condition that Friday and to trust them to deliver, we compiled and now they want more after I asked to close early. Why? We are burned out paying month to month waiting for them to decide this is costing more money and wasting my time. The fact of this matter is we are being denied because of my fathers age, and XXXX and other possibility 's under discrimination act 's under the law.
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| 08/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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We purchased a home and closed in XXXX 2016. Our lender had an appraisal done on XXXX/XXXX/16. Our lender was Crosscountry Mortgage Inc. We knew going in that we could only put down XXXX % but as soon as we sold our other home we would put down another XXXX % to remove PMI. We were ready to do that within 1 month of our purchase ; however, Crosscountry sold our mortgage to XXXX and their " guidelines '' state that they " may '' request another appraisal. Since we just had an appraisal we thought common sense would indicate that our original appraisal would be sufficient and that was our understanding going into the process. Now our servicer ( Crosscountry ) is stating that XXXX wants another appraisal and there is nothing that they can do. I call XXXX and they blame it on Crosscountry. We are stuck in the middle. Crosscountry says it 's out of their hands. XXXX says if anything can happen Crosscountry would have to escalate it. We are left with no one to help us. This is despicable. I ca n't believe big banks and large companies can take advantage of consumers like this and then pretend like there 's nothing that they can do. Rather than attempt to help each company just blames it on the other. The last rep I spoke to with XXXX ( XXXX ) just read me their guidelines and kept saying " if it 's in the guidelines ... .if it 's in the guidelines. '' I guess the guidelines mean that common sense is out the window.
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| 04/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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on XXXX XXXX XXXX CrossCountry Mortgage started to pay taxes on a property that i do not own this amoun twas XXXX on lot XXXX in XXXX nj.
this made my escrow to go negitive. On XX/XX/XXXX CrossCountry Mortgage paid XXXX for insurance this payment should never been paid due to the fact I had Homeowners insurancs. This made the escrow to go more negitive.
On XX/XX/XXXX CrossCountry Mortgage paid XXXX for HomeOwners insurace again. This made the esrow more negitive. XX/XX/XXXX they again paid the wrong property tax in the amount of XXXX again adding to the negitive in the escrow account.
the negitive amount is now XXXX. This is after i made a payment of XXXX thia amount is XXXX which is the correct amount plus XXXX to cover their mistake.
I have call them over 50 times trying to get them to understand their mistake but they would not listen. i sent them a letter of mistake, i sent them all paperwork need to prove their mistake, tax records for my property and the wrong property. I havegotten refunds from the city of XXXX nj. CrossCountry Mortgage only wants me to pay the higher amount, I am told well it takes time i need to give them more time.
I have given them since XX/XX/XXXX and they have done nothing.
CrossCountey Mortage said they look into this matter and sent me a letter saying they were paying the correct taxes.They never looked at the paperwork i signed with them which has the correct lots on it
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| 03/21/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I have been trying, since XX/XX/2022, to have our current mortgage company, CrossCountry Mortgage, run an escrow analysis due to them overcharging our escrow account. We are in a new construction home, so our property taxes were estimated until the new XXXX XXXX XXXX taxes were updated for this year. I contacted them again on XX/XX/2022 via email with our taxes for XXXX and requested an escrow analysis- I was told this would be reviewed and completed. I contacted them again on XX/XX/2022, XX/XX/2022 and XX/XX/2022 to check on the escrow analysis- I was told it only takes 4 business days to complete, but up through today, XX/XX/2022, there has been no progress. They have overcharged us by thousands of dollars and seem unwilling to issue the refund we are due from their overcharging our account.
Additionally, we have our homeowner 's insurance policy through XXXX. I contacted them today because I noticed that we are being charged through our personal checking account every month for this, even though it is being escrowed by CrossCountry Mortgage. The XXXX representative I spoke to today said that they have requested the payment from CrossCountry Mortgage, but were ignored, so they charged us directly.
CrossCountry Mortgage is not responsive to myself or my insurance company and this seems both unprofessional and negligent. We have made every payment that is due on time and our loan is in good standing.
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| 03/05/2021 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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XX/XX/XXXX We refinance our home with CrossCountry Mortgage LLC this was a Cash out when we close with the title company Cross Country told them to give us all the money but to hold back {$2400.00} and that CrossCountry would put it into Escrow. When I notice that we were missing {$2400.00} I call CrossCountry and I was told yes we have it in Escrow. I told them to send me the funds ASAP. I never got it. So as you can see I have written them 10 times begging for our funds. then in XX/XX/XXXX I sent the head office of CrossCountry a letter telling him that if I did not get our {$2400.00} that I was only going to send XXXX of the XXXX payment and that they would take the rest of the payment out of the escrow account. So that is what I did XX/XX/XXXX. CC reported to all three Bureau 's that I had missed a payment causing my XXXX dropped XXXX points. They have cause us all kinds of problems. Then I got a litter from CC telling me that they had raise our payment XXXX because out Property Taxes had went up. Now this was XXXX per month for one year. I went to the XXXX XXXX to see if it was true. that would have ment that our taxes went up {$1100.00} a year. XXXX XXXX told me no you P/Taxes only went up {$61.00} for the hold year XXXX. I sent the head office of CC that they was not to raise our Taxes XXXX each month, that they was to have taken the XXXX out of our escrow account.
CC just wanted to rip if off.
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| 06/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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XX/XX/XXXX I PAID OFF MY LOAN IN FULL XX/XX/XXXX CROSSCOUNTRY SENT A LETTER TELLING THEY HAD NOT COMPLETED THEIR INVESTIGATION OF THE ERRO IDENTIFIED IN THEIR CORRESPONDENCE.
XXXX XXXX THE LENDER CROSSCOUNTRY SAID THEY SENT THE ESCROW REFUND FOR {$5700.00}, BUT I NEVER RECEIVED THE CHECK XX/XX/XXXX I SENT A FAX AS A REQUESTED BY CROSSCOUNTRY TO CHANGE MY MAIL ADDRESS, THEY SAID THEY HAD ANOTHER MAIL ADDRESS.
XXXX XXXX I CALLED CUSTOMER SERVICE ( XXXX ) XXXX XX/XX/XXXX I AGAIN CALLED CUSTOMER SERVICE XX/XX/XXXX I AGAIN CALLED CUSTOMER SERVICE XX/XX/XXXX CROSSCOUNTRY SENT A LETTER SAYING THAT THE INQUIRY HAS BEEN RESOLVED. BUT THAT WAS NO TRUE.
XX/XX/XXXX I AGAIN CALLED CUSTOMER SERVICE XX/XX/XXXX CROSSCOUNTRY SENT ANOTHER LETTER SAYING THAT THE INQUIRY WAS BY REVIEWING BY THE APPROPIATE AREA.
XX/XX/XXXX I SENT A CERTIFIED LETTER TO REQUEST THE ESCROW REFUND FOR {$5700.00} XX/XX/XXXX CROSSCOUNTRY SENT A LETTER THAT SAID THE SAME THAT ITS LETTER IN XX/XX/XXXX.
FINALLY, XX/XX/XXXX I RECEIVED A LETTER SAYING THAT ACCORDING THEIR RECORDS CHECK NUMBER XXXX, DATED XX/XX/XXXX, FOR ESCROW REFUND OF {$5700.00} WAS CASHED ON XX/XX/XXXX. AND THEY DIDN'T ATTACH ANY EVIDENCE IN THE LETTER.
THAT IS NOT TRUE BECAUSE WE NEVER RECEIVED THAT CHECK, THE MAIL ADDRESS THEY HAD IN THEIR RECORDS WAS WRONG THEY SAID IN XX/XX/XXXX THAT WAS WHY THEY REQUESTED US TO SEND A FORMAT BY FAX TO CHANGE THE ADDRESS AND WE DID THAT.
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| 04/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I had to refinance my house to repay IRS for early withdrawal penalties from my Retirement pension.
I received this mortgage from Cross Country Bank to pay for that debt.
My wife 's income has been slashed drastically due to commissions and downturn even before CV.19 but now is critical.
The only thing I am asking is to change the date of the payment to the XXXX of the month. I can not afford to pay it on the first since most of my bills are on the XXXX.
I have asked them several times to change the due date and they have refused.
Most of the time when I have had a loan it was not a big deal to change the payment date.
Now they are charging me a late penalty when I am paying past the XXXX date.
They will not allow me to automatically pay on the XXXX. They only allow me to pay XXXX XXXX.
With our economy in a tailspin, we really need to be able to work together.
My only option seems to be to refinance again to get out of this situation which would add more fees.
These are the dates I have asked for the date change.
How can I change my payment date? Auto Drafting XX/XX/XXXX XXXX XXXX Re : How can I change my payment date? Regular Payment XX/XX/XXXX XXXX XXXX Re : :How can I change my payment date? Regular Payment XX/XX/XXXX XXXX XXXX Re : Re : How can I change my payment date? Regular Payment XX/XX/XXXX XXXX XXXX How can I change my payment date? Regular Payment XX/XX/XXXX XXXX XXXX
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| 08/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Servicemember |
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I lodged a complaint on this site and the company responded inaccurately the situation that I made the complaint about. I received a loan modification document that I was unable to review, except or deny because the documents were damaged and not legible and so I requested a copy of the documents being resent to me so that I may review them, instead the company alleged that I denied the loan modification which I did not, I requested a copy of the documents and now the case has been closed due to the inaccurate information that the company is saying that they received from me. I asked if I would be eligible for a forbearance and was told no and so the representative of the company stated that they would look into a partial claim and so that was looked into and the resolution that the company came up with is a 40-year loan modification. I never once denied any resolution that the company offered, I only ask for information to resolve the situation in a fair and unbiased manner. The calls that were made between myself and the company are recorded and there is not one recording that I denied any loan modification or any resolution that the company offered and now the company is saying that based on the alleged denial I am forced to accept a new loan modification and have my case closed. I ask that if this situation can not be resolved at this level that my complaint be moved up to another level.
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| 01/31/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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I applied for forbearance with Cross Country Mortgage at the beginning of XX/XX/XXXX. This was due to loss of employment and loss of unemployment benefits.
At that time I had to submit several documents to validate my situation. When I submitted documents, per company communication, it was to take no linger than 7 days for them to be reviewed. It took 3 times longer, an average of XXXX weeks to be reviewed. This caused me to not get communication on what other supporting documents were needed. Finally in XXXX XXXX they deemed that application completed.
The application was supposedly submitted to underwriting in XXXX for approval. I was originally told it would be approximately XXXX days to get an approved. I kept following up and found not get an answer. They just kept telling me we dont have an answer yet, follow up with us in a couple of weeks.
Time kept going by, I called every week. Here we are at the end of XXXX XXXX XXXXnd its still not been deemed approved or complete. I was also told by their employees that this would not effect my credit. It did and theyve been reporting late payments to my credit. I was told they were going to remove the late payments but they never did.
I started keeping track of the employees I was speaking with just to have a record.
I have gotten so much conflicting information. They seem to be extremely behind on their work and very disorganized.
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| 12/08/2020 |
Yes |
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Web |
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I done a refinance on my home mortgage with Cross Country Mortgage, It started normal as i filled out an application over the phone with my loan officer XXXX. Upon approval XXXX told me everything looked good and not to make any payments to my mortgage company that we would be closing by then. He said " Worst case there will be a {$39.00} late fee that we will take care of ''. A month later after not hearing a word from them I get a call to do an appraisal which was done. Several weeks later I get an email from XXXX XXXX where my mortgage company put me as late dropping my credit score 50 points. I started calling and leaving voicemail after voicemail after voicemail. Finally I get XXXX on the phone who says he meant to call me and tell me to make my payment but he is going through a XXXX XXXX and it slipped his mind. So several weeks later its finally time for closing and the closing attorney has no paper work on the day of closing. Then she finally got the paper work and it was wrong so she came back 2 days later to close. I noticed on the first paper work the charged me almost {$1400.00} for a late closing when it was late due to them. So i called and they credited me the {$1400.00} so they said. My loan closed and the sold my mortgage and when i got my statement they still charged me the {$1400.00}. Now im back to leaving voicemails to a company that doesnt even own my loan
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| 11/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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We got pre qualified in XXXX to by a home before we made a offer. We signed a contract to build a home with a finish date of XX/XX/2018. We have given the mortgage company all the documents that they requested.. We were promised a interest rate of 4 1/2 % with eather a 7 or 10 year balloon and a 30 year amortization. We have requested repeatedly a written approval letter and as of today still have not received one. Our contract with the builder clearly states that we need a commitment letter by XX/XX/XXXX. After many repeated calls to XXXX XXXX with Cross Country Mortage we would get the same answer, I will let you know by Friday. Monday XXXX called me and said that he got us a interest rate of 5 1/2 paying 1 point. He then said that he would check with another lender to get me a better rate and would call me tomorrow. Still no call. He did get his boss who I think is Vice President of the company involved. In a conversation with him about a week ago he told me how hard they had worked on this loan even getting us a second appraisal from a friend, because they did not like the first one. Now nine days to settlement we still do not have a definitive answer. The stress of dealing with this company and XXXX XXXX has caused me many major health issues including a XXXX XXXX and having to go to a XXXX XXXX. I am now scrambling to find Mortage money elsewhere 9 day before settlement.
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| 12/10/2023 |
Yes |
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
Servicemember |
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There has been issues with our mortgage company paying things for our escrow account that they shouldn't have like our XXXX XXXX insurance policy and paying other insurance policies without our consent. However, this is not my main concern. Our escrow account was in a deficit until XX/XX/2023, we paid it off and it was positive. At the beginning of XX/XX/2023, we notified them of our property tax exemption. On XX/XX/XXXX, Cross Country Mortgage advanced funds for our personal insurance for the amount of {$2200.00}. Upon doing this federal law states that they are required to conduct an escrow analysis before recouping the funds, this was not done. Cross Country Mortgage continues to charge us {$1000.00} a month, even though the escrow account is paid off again and positive {$1500.00}, with no other items to be paid. They are charging us more than XXXX of our annual escrow payment and are holding more than XXXX of a cushion. It is against the law for them to do so. They refuse to do anything and continue to charge us late fees and inspection fees because I am now refusing to pay them the {$1000.00} extra for the escrow account which is not owed and illegal for them to collect. We have contacted Cross Country Mortgage numerous times and all employees refuse to do anything, they deny all violations, and continue to charge us, until they decide to do an annual escrow analysis.
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| 07/20/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I have been working with the Mortgage relief program as well as CrossCountry Mortgage and loss mitigation in order to bring our loan current. We were approved for the Mortgage relief program, and they have released funds in the amount of {$60.00}, XXXX in order to bring out the loan current as of XX/XX/XXXX. However, as you can see from my XX/XX/XXXX mortgage statement, our loan is not reflecting as current, and it is still showing as late. It also states that failure to bring my loan current may result in fees and foreclosure- the loss of your home. As of XX/XX/XXXX, it shows I am 132 days delinquent on your mortgage loan. This is ruining my credit and I have done everything I need to do but if CrossCountry Mortgage does not apply the MSP funds to my account properly then I will continue to appear to be in default. As of today XX/XX/XXXX the amounts applied by CrossCountry appear to only be {$36000.00} and this is not the full amount of {$60000.00} and does not completely bring my loan current. The XX/XX/XXXX mortgage statement that I included shows that I am still {$16000.00} late on my mortgage which is incorrect. I have called CrossCountry Mortgage several times to have this issue escalated and I have not had a resolution. The XXXX has also closed out a previous ticket ( complaint XXXX XXXXXXXX ) I had regarding this matter because they had promised to resolve it.
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| 09/09/2022 |
Yes |
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Web |
Servicemember |
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I received Loan Estimates and Initial Closing DIsclosure 's showing that the Lender of Cross Country Mortgage was collecting 7 months of Property Tax Escrows. At Closing we were informed that the mortgage company changed this to 5 months and proceeded to move on with signing the documents in the file. On XX/XX/2022 I logged into my mortgage company to check something and I noticed my payment increased from {$3400.00} per month to {$3500.00} per month. When reaching out to the subservicer on the website and loan officer I was informed that they failed to collect a 2 month cushion. The mortgage lender is blaming the title company but the mortgage company is who generates the FINAL Closing Disclosure, not title. In addition, the mortgage company is supposed to review documents prior to disbursement and should've caught this issue then as well. Now I am being charged and additional {$1800.00} for this issue. I do not feel as though because the mortgage company closed this loan with this issue I should be bearing the brunt when XXXX does not require a 2 month escrow cushion.
While I understand that escrow payments can change, this is far from a change, this is lack of oversight of the mortgage company and the closed the loan WRONG.
Had I never logged into this account the notice for me would've been less than 15 days from payment date to cover this issue.
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| 03/02/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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My insurance company purchased an Windstorm insurance that no one told me I needed and I didn't purchased when I closed or before closing the house more than 18 month ago.
I closed my house in XX/XX/XXXX and I was informed that I needed flood insurance and premium home insurance ( both I purchased before my closing day ) and I was very aware that I needed to keep both policy active but no one told or made me purchased an additional insurance for windstorms that cost more than {$4000.00} dollars extra that I can't afford.
I was blindside by my insurance company with a policy backdated XX/XX/XXXX that cost {$4300.00} that I didn't even know I had or had to pay until XX/XX/XXXX.
If I have known that I needed to pay over {$7000.00} in home insurance only annually I will have never closed with Crosscounty Mortage. I have asked around and no one I now in nj is been forced to get a Windstorm insurance by their lender must important part is that it wasn't a necessary when I closed this mortgage and no one told me about this {$4300.00} extra expense will be added almost 2 years later and why I'm I getting this notice more than 7 month later that the effective date.
I can't afford and extra surprise insurance on top of my flood that is very expensive and my premium insurance, it feels like I encounter and issue with this mortgage company every other day.
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| 05/15/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I bought this house in XX/XX/2021. I was making timely payments of {$1500.00}, even though the monthly payments are supposed to be {$1400.00}. However, a few months after I bought the house, CrossCountry Mortgage raised my mortgage to {$1500.00} and some change. One month, I paid {$1500.00} because I know I paid way more than {$1500.00} on my previous payment ; and they claimed that I was short of the {$4.00} and that was the reason why they sent it to prinicpal. CrossCountry Mortgage directed that payment to the principal, and left that month without a payment. Other major issues with the house itself ( spent total of almost {$4000.00} ) that same year ( XXXX ) made it a challenge to keep up with the following months mortgage. I have been in contact with Mortgage company to update them on any issues and trying to make payments. I acknowledge that I am one month behind on my mortgage. However, the notices I am receiving in the mail state that I am technically 2 months late, if not more. I feel that CrossCountry Mortgage breached the contract by raising my mortgage payment while failing to notify me of the reason for raising it. I was also under the impression that the mortgage rate would not change throughout the years. Raising my payment without a reason to raise, attributed to a domino effect that placed me in a situation to be behind.
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| 08/16/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I have been working with the Mortgage relief program application XXXX as well as CrossCountry Mortgage and loss mitigation in order to bring our loan current. We were approved for the Mortgage relief program, and I just got off the phone with them XX/XX/23 XXXX PST. They have stated that the issue appears to be that my servicer has given them an incorrect amount that was past due on our loan. The mortgage relief program released {$60000.00} to cross country mortgage but then cross country mortgage returned those funds to the program because a loan modification was completed and they didnt think that I was approved for the program. I was approved and the past due balance of our account is {$16000.00}. Cross country mortgage has closed my loss mitigation file. They need to reopen my loss mitigation file and let the Mortgage relief program know the correct past due balance of {$16000.00} so they can release those funds to bring my loan current and both companies can close out the file. The XX/XX/23 mortgage statement that I included shows that I am still {$16000.00} late on my mortgage. I have called CrossCountry Mortgage several times to have this issue escalated and I have not had a resolution. The XXXX has also closed out a previous ticket ( complaint # XXXX ) I had regarding this matter because they had promised to resolve it.
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| 10/10/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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I have previously submitted a complaint and it was closed when the company responded saying they were fixing things. We filled out our loan modification paperwork on XX/XX/2022 and it was received by Cross Country MortgageXXXX on XX/XX/2022. When I filed the complaint their response was they looked into it and had discovered they hadn't sent the paperwork to the VA. They stated in their response to the complaint that they sent the documents to their closing department to be sent to the VA on XX/XX/2022. Well here we are over a month later and nothing has been sent or changed. We really need them to get it together, to say they are negligent in this case is an understatement. I don't know how they have been able to get away with this and not be reprimanded. When it comes to the credit reporting they had also stated in response to the complaint that they were not following cares act and reporting properly so our credit was taking the hit. They said they would fix it, they didn't and I had to by submitting paperwork to the credit bureaus who then fixed it for us. Well they are reporting that we are 60 plus days late again!! Our credit again is taking the hit for their inability to do their job. I need someone to fix this because no one should have to go through this especially when we have done everything we are supposed to.
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| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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Ive spoke with the agent who left me a message regarding the updated info that was needed on my credit report, she stated only one credit reporting agency XXXX gave her the report back and that I needed togo unlock my report from the report XXXX and XXXX I immediately replied um I didnt know your guys was going to run my report- I thought you was collecting it just to ask later after everything else was approved - no where in your application stated that you need a score of XXXX to qualify in fact the marketing was quit misleading - the application has a very tiny 3 pt letter size or smaller that the agent pointed out that - I clearly did not see- I explained I was in a credit counseling program and would not have agreed to pulling my credit thats why they was only able to pull one - so they market that they dont do traditional loans they go bye documents to mislead that they arent going to SSN then in the middle of the entire form they ask for your SSN no where on that screen do they inform you that they are going to do a hard inquiry on your report - no one would give me corporate number I told them that I would complaint to the XXXX and to Consumer Finance If they didnt remove that info immediately non permissible usage 15 U.S. Code 1681b - Permissible purposes of consumer reports please have them remove it now.
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| 12/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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CrossCounty mortgage refuses to provide me with a loan estimate until I provide them with a signed purchase contract.
On XX/XX/2020, I spoke with XXXX XXXX of CrossCountry Mortgage who identified himself as working with loan officer XXXX XXXX XXXX ID # XXXX at CrossCountry mortgage. After a brief phone conversation, I was directed to fill out a mortgage loan application on their website, which I completed, along with extensive documentation regarding assets and income, on the same day. On XX/XX/XXXX, I received an email from XXXX to tell me that I had been pre-approved for a mortgage. Attached to email was a letter signed by XXXX stating that my credit, assets, and income were reviewed. I also received a notification from XXXX that CrossCountry performed a credit check on XX/XX/XXXX.
On XX/XX/2020, I sent an email to XXXX and XXXX requesting a loan estimate. In my request, I included the property address, property value, loan amount, as well as an estimate of other fees, including HOA and homeowners insurance premiums.
XXXX responded that CrossCountry is unable to provide a mortgage estimate without a purchase contract. This is despite CrossCountry reviewing my mortgage application and me providing them with all of the details they would need to provide me with an accurate loan estimate.
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| 12/31/2021 |
Yes |
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- Trouble during payment process
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Web |
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On XX/XX/XXXX I received a letter from my local tax authority that my taxes were not paid, I contact my mortgage servicer, Cross Country Mortgage, to make them aware of the issue, and it was my understanding that Taxes were to be paid from the $ XXXX I paid in total to close on the home I recently bought, come to find out it was not paid! Seems the pos the taxes for next year vs paying on the current tax. XX/XX/XXXX I called XXXX and sent their department an email to address this manner ASAP! As of today XX/XX/XXXX the last due date for the taxes to be paid even while being promised it would be paid by today, it still hasnt been paid and the customer service team at XXXX is being short and rude on a mistake they caused!!!! The tax authority could as of XX/XX/XXXX start proceedings to put a lien on the home and force a tax sale which XXXX doesnt seem to care about, as they told me they would take care of this but now theyre saying to call back next week when I was suppose to been contacted on XX/XX/XXXX according to an email received by their escalations team. Im a widower raising 5 children by myself and dont need for my kids to lose their home to their negligence, and their slow to act ways, on top of being short and rude over the phone and not giving direct answers to direct questions!
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| 06/02/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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On XX/XX/XXXX we closed on a new construction home built by XXXX XXXX. We had initiated this purchase in XXXX of XXXX by placing a 5 % deposit on the home that was only returnable if we did not qualify for the loan for the home. Between XX/XX/XXXX and XX/XX/XXXX the Interest rate increased significantly ballooning the monthly payment to where it represented 54 % of our household Gross income. with the interest rate rise I contacted our Loan Officer XXXX XXXX XXXX # XXXX, who works with XXXX XXXX XXXX in regards to how with the increased interest rate the loans monthly payment was well beyond the realm of being affordable, and that I did not feel I qualified for a loan with such a large payment. XXXX stated that we still qualified for the loan and at no point advised us of any options to freeze the loan process. Ultimately a buyer purchased our existing home at full price which obligated me to sell the home and proceed with the purchase of the new home at a payment amount which was not affordable for our family, with the promise of future relief from a refinance in XXXX or XXXX of XXXX, this relief has been unforthcoming. This loan was underwritten and issued by Cross Country Mortgage LLC. In this case both XXXX XXXX XXXX and Cross Country Mortgage exhibited gross financial malfeasance.
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| 01/21/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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This company is blatantly violating the advertising rules that are set forth in regulation Z. It is very unfortunate that the regulators have clamped down on all of the other lenders in the area and have written them up for violations but yet companies like this that are regulated by the CFPB are allowed to do this and willfully deceive customers based on rates that are offered and not show APR.It is an absolute travesty that they are allowed to pray on lower income borrowers showing an FHA loan product that do not even have the required disclosures. I have loan officers that half to abide by the rules and are subject to disciplinary action at our company but yet companies like these ruin reputations of mortgage lenders. It is apparent that the compliance management system of this company does not matter at all. I wish they were regulated by the FDIC or Federal Reserve so we could get more ground on this. This is an unfair practice and a willful violation. The compliance culture at this organization should be question since we all have to abide by the rules. Not to mention that the information that they are provided for at least two of the lenders is not accurate and willfully misrepresent. them. There are no disclosures on here to compare products and deceives the potential customers.
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| 06/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have a mortgage with CrossCountry Mortgage, and I'm disappointed in how they haven't resolved the credit reporting error ; and violated my consumer rights under FCRA. This error has ruined my credit, along with my husbands. In the month of XXXX I attempted to make a payment online how I normally would however the system was down ; The previous day I used bill pay from my external account that posted on XX/XX/2023 XXXX. In essence on XX/XX/2023 I called to initiate my payment by phone i/a/o {$2800.00} with a representative over the phone which I was charged a fee to do so. She was a nice associate ; however she must've inputed my account numbers incorrectly because my bank XXXX was not presented with the payment. I received noticed that the payment that I made by phone was returned, and I was charged a late fee, along with a bad check fee which have bot been refunded to me. For several months my husband, and I have been impacted due to the human error of the associate ; I reached out on several occasions to resolve the issue ; and requested a call back, I was not extended that courtesy. I was told to use a secure message portal, because the lender doesn't have a phone associate that I can speak with pertaining my issue. The response is not consistent with the certain set of facts.
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| 07/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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PROBLEM : Two Failures to disclose terms and costs for home mortgage of $ XXXX closed on XX/XX/XXXX : 1. From the outset we requested and reiterated our need to pay down the mortgage to achieve lower monthly payments, without penalty. However, CCM failed to disclose their loan terms would deny partial payments which we had to discover on the Closing Disclosure Doc. Morgage company threatened we could not close on time unless I signed that document as is, advising that we could instead probably recast the loan in payments of $ 10K+ for a fee of maybe up to {$600.00} depending on the terms of who they sold our loan to and whomever might repurchase it later.
2. We requested the loan be held by my Trust rather than me individually. The Company had agreed but instead required me to hold the loan individually. This was not disclosed and only discovered at the closing in the final loan docs. Again, I was forced to accept this adverse, undisclosed change in order to move in on time even though they had confirmed that my trust could hold the mortgage after my attorney attested that my trust provided full power to buy and sell real property as required by their underwriters.
I advised the Company of these failures and have had no response. Documentation of the above available upon request.
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| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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CROSSCOUNTRY MTG/XXXX ACCOUNT # XXXX Late payment reported on ( XXXX, XX/XX/2020 ). Please update the account as Paid/Current The late payments were reported during the COVID pandemic and congress passed a law on XX/XX/2020 stating creditors should not report any late payments. The law says the following : The Coronavirus Aid, Relief, and Economic Security ( XXXX ) Act, passed by congress and signed into law on XX/XX/2020, contains a provision explicitly addressing the FCRA. Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 USC 1681s-2 ( a ) ( 1 ) ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by XXXXOVID-19, should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the COVID-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XXXX XXXX, 2020 and do not apply to charged-off accounts. Please remove the late payments on XXXX and XXXX 2020 as its a direct violation of the Coronavirus Aid, Relief, and Economic Security Act. Thank You, XXXX XXXX
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| 06/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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On XX/XX/2022 my fiancee and I inquired with Cross Country Mortgage about a mortgage and if we should get it under both of our names or just under her name. The agent on the phone, XXXX XXXX, asked about our credit scores and about our SSNs and we told him to not under any circumstances hard pull the credit. He agreed and confirmed it would only be a soft pull and it would not appear on our credit report/ would not influence our credit score and listed hard inquiries.
In the end, we decided that we will get the mortage under my fiancees name.
Despite this, a hard pull appeared on my credit report, which I made Cross Country aware of and asked them to correct it. I emailed Cross Country Mortgage to make them aware and they simply ignored it saying they did not pull my credit.
Later, they even did a hard pull again around the date my fiancee was closing the mortgage ( XX/XX/2022 ) despite the fact that it was not even under my name. I emailed Cross Country Mortgage to provide an explanation and they only stated that they did not pull it.
I called XXXX and they removed the duplicate pull but XXXX told me that they could not remove the other pull and that Cross Country Mortgage would have to file a dispute.
I emailed Cross Country Mortgage to do this with no response at all.
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| 11/27/2023 |
Yes |
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- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
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Web |
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My father XXXX XXXX died in XX/XX/2023. I inherited his house upon his death ( title is in the name of his trust and I am the beneficiary of his trust and will ). I contacted the mortgage servicer CrossCountry to inform them that I was now the owner of the home and to obtain information about the mortgage. They refused to give me information and told me I needed to submit documentation to prove that I owned the property and establish myself as Successor-in-Interest ( SII ) on the mortgage account. They sent me a checklist of documents needed. After submitting all the documents I had in my possession and that were on the checklist ( including the trust, will, death certificate ), CrossCountry is still refusing to authorize me on the account as a successor, stating they need more documentation. I was perplexed because I gave them everything I had. I sought the help of a Legal Aid attorney to intervene and they told the attorney that I still need to get a court order or official letter from my county. The attorney explained that this is not possible to obtain in my situation, yet CrossCountry still will not authorize me on the account. The account is delinquent and I am worried that the house will go into foreclosure over their refusal to give me information about the loan.
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| 01/05/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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Im behind 2 payments due to an unforeseen situation. I can continue making my payments just need help with the 2 I am behind on. I have filled out cross country mortgage loan modification paperwork and sent in required paperwork XX/XX/2022. They requested more information and I sent it in. This has gone on for several months. The last information, they requested, I sent in on XX/XX/XXXX. I havent heard anything further. In the 3 months I have been trying to get help with them I have sent information to them they their loan solution website and emailed ( some info requested I had to send several times ). When I call to speak with my loan specialist ( or anyone that can tell me what is going on ) you are unable to. Whoever answers the phone can note my concerns and thats it. Not one person has called me, but they can have someone sneak one my porch to hang a yellow note on my door to call them ( and no they dont knock on the door to talk to me ). Its a bit disconcerting when every time I call for an update their first question is are you living at the property. Now since Ive called them a lot in the last 3 months you would think they would have written this down. I would appreciate any help. Im trying to recover from my hardship, salvage my credit and mostly keep my home!
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| 05/02/2023 |
Yes |
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Web |
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Crosscounty mortage LLC left open permit on my house, after i closed on a fha loan. The old owner left permit open XXXX from XX/XX/XXXX for a reroof and XXXX windows, that never was completed. I brought the house in XXXX XXXX. There was also a fire that was never reported. The appraise was done in one day, and the house dosent look like the picture that on the net. Also from the old owner not fixing the roof, i have XXXX demages from the roof note being right. Also nail are coming out of the roof, and the whole house has water damage from the roof installation is wet from the roof. The ceiling and wall are swelling, cracking. The floor are real oak wood that the old owner glued together, and now the floor is caving in, and the foundation has moved caved too. There mold in the kitchen from cabinets that they pained. There a mold smell in one of the rooms.I from appraise, and home inspection, but didnt get the until after we closed. There was a flood were the pipes bust.I talk to my loan person, and crosscounty didnt care. Also the electrical box is on the ground, and i have electrical problems all through the house. Also my barn structure is about fall down, and it has electrical problem as well. This a fha loan. this should have happened. Only been in the house 3 years
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| 02/03/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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Hello we applied for the mortgage assistance program 8 months ago. An application was submitted. During this time we were told that our loan was under review for assistance. In the month of XXXX we were told that our account was eligible for partial claim option by cross country rep XXXX ID : XXXX. On XX/XX/XXXX it was confirmed by rep XXXX that the account was now going to be reviewed for partial claim. As the months passed numerous phone calls were made and all reps kept telling us the account was being revied for partial claim.
On XX/XX/XXXX come to find out our account was never reviewed for the partial claim and based off the application we submitted we were denied all home retention. We were informed that our loan needed to undergo the COVID FB, which at no time this was disclosed to us, prior to requesting the partial claim. Now we are in the mist of losing our home due to cross country. Please help us as my kids and i do not want to lose our home. We have been ready to resume making payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Any help on getting them to help us would be greatly appreciated.
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| 09/28/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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I am the spouse of a Veteran. My husband abandoned his home in XXXX XXXX. The house is in his name. I am still residing in the home. During the pandemic we were put on a 12 month program for the payments my husband had authorized me to talk to them then. Now when I reached out to them they are saying they don't have the authorization from him this is a lie. They are refusing to give me any information on the loan or even tell me what the amount is to pay. I want to keep the home but if they are not going to communicate with me the house is subject to foreclosure! That means I will be homeless. I have not spoken to my husband since he left or have I seen him. Also I have programs and resources to help me with the payments but again they are refusing to speak with me on this matter. I was told by one party to fax in a letter saying when he left and then they would further assist me but then when I called back to make sure I had the right fax number they said whoever gave me that information was incorrect and they couldn't discuss anything with me two different rules. I am trying to keep my home at this point I have no other choice but to go through the court system which I wasn't ready to do but I don't want to lose my home either. I need help resolving this issue.
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| 06/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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The Sr. Mortgage Loan Officer named XXXX XXXX of CrossCountry Mortgage failed to send us the correct closing documents in a timely manner, then attempted to tack on additional fees after we were left waiting to sign our closing package without providing notification. My wife and I had to send multiple corrections of errors to the Net Tangible Benefits disclosure forms, many of which were outright ignored. The company has purposefully delayed signing forms and not provided transparency in an effort to increase the closing fees.
Our lock expiration date is scheduled for this upcoming Saturday, XX/XX/XXXX. We signed an initial closing disclosure on Tuesday, XX/XX/XXXX, after which, the company sent us a revised closing package on Wednesday, XX/XX/XXXX, to be signed again. We were waiting for the next steps to finalize, and in email correspondence, the loan XXXX neglected to notify us of the options available to close in time, then added a {$1000.00} filing deadline extension charge on to our closing fees with three business days remaining before our original loan expiration date.
If the company fails to take the appropriate action within the next 24 hours ( outlined in the next field ), then we will miss our expiration date by no fault of our own.
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| 10/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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Our mortgage with CrossCountry Mortgage ( loan # XXXX ) was refinanced with another lender in XX/XX/XXXX, and the CrossCountry loan was paid in full by our new lender. We received a letter confirming full payment and discharge of the loan. We also received a Full Satisfaction Notice in XX/XX/XXXX, and the cancelled Note & Mortgage in XX/XX/XXXX.
In XX/XX/XXXX I received a phone call from a CrossCountry representative who advised me that an accounting error in XX/XX/XXXX ( one year previous ) had reduced my mortgage balance by over {$21000.00}, and when could I send them this amount? I found this to be implausible, so I requested a written explanation. No explanation was ever provided, but my wife, daughter and I began receiving mortgage statements and collection letters that month. Between XXXX and XXXX last year, I contacted the company multiple times to no avail or response, as their by-mail collection efforts increased in frequency and intensity. In XXXX they declared a Breach and in XXXX began Foreclosure proceedings. At that point I engaged a law firm who finally stopped the insanity at a cost to me of {$6700.00}. As seniors, my wife and I feel victimized by this lender 's deception and abuse, in clear violation of UDAAP regulations.
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| 10/05/2015 |
Yes |
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- Settlement process and costs
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Web |
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To whom it may concern : I applied for a fha XXXX loan to repair some roof damage to my home. I have very good credit and a long and stable job history. The value of my home covered the increase easily. The loan took over 1 year to close. My loan agent charged me {$3900.00} in points to lower my interest rate from 4.5 % to 4.5 % XXXX no it is not a typo, no change in interest rate XXXX. When I questioned him about this over the phone ( late closing ) he gave told me he was going to research it. During the closing I asked the escrow agent and she could not explain it to me. In order to justify the addtional fee, the loan agent ignored the instructions from the XXXX XXXX consultant and only accounted for partial fees that should have paid for my XXXX fees. I believe the agent knew what he was doing and stalled for time since he is no longer working with XXXX XXXX mortgage. I was purposely mis-informed, lied to, and the mortgage agent took advantage of my need to get my house repaired. I have reached out to the mortgage company and their management I am being ignored. I am now concern for that my credit identity and assetts may have been compromised since the agent in question has all of my personal information in order to process my loan.
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| 12/13/2023 |
Yes |
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
Servicemember |
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I am an XXXX XXXX XXXX in the XXXX. I recently sold my property, the property closed on XXXX XX/XX/2023 ; Cross Country Mortage ; the lender was to issue me an escrow refund in the approximate amount of {$5600.00} and some change. I was not aware of this until I actually contacted XXXX XXXX for another issue. Cross Country informed me they sent me the escrow check on XXXX XX/XX/2023. I currently have mail forwarding to my new address and did not receive the check. I called them back approximately on XXXX XX/XX/2023, and updated my address with them so they would reissue the check to my new address. Cross Country informed me it could take XXXX weeks to reissue the check. I still have not received my money, I called Cross Country mortgage on XXXX XXXX XXXXCross Country told me they had not reissued the check as of yet and it would take 30-90 days to reissue the check. I just moved across the entire country that is not a cheap move, I need this money in a timely manner. I believe they are not going to send me my money in timely manner. I have never missed a mortgage payment and they are sitting on my money accruing interest. They will not send my check with a tracking number at all, they stated they send all checks regular mail.
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| 04/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I contacted the bank on XX/XX/XXXX about escrow shortage. I wanted to pay the shortage in full. I was quoted an amount. I paid said amount. I was quoted a new payment and a start date. I logged back on XX/XX/XXXX to verify. I was informed that I was quoted the wrong amount of shortage and that I owed more. I paid that shortage and was assured new payment would be processed. I asked for management to reach out to me. They did through secure message, not a phone call. I got a message stating everything was cleared up. Shortage was paid in full and new payment was recorded. Received phone call on XX/XX/XXXX saying Im behind on payment. Customer service on phone was rude! I asked for manager. I was transferred. I was told they could not see any messages and that I must make prompt payment on phone to avoid collections. The payment they wanted was for shortage to escrow. I denied to pay because of proof I have in chats. Customer service manager stated there was nothing she could see or do. This sounds like a fraud claim to get more money into an escrow account that they can use and sit on interest free. I have screenshots of messages to prove conversations had. There is fraud practices going on inside bank institutions.
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| 08/23/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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My Covid partial claim submission was closed on XX/XX/XXXX as incomplete. I sent every item they asked for by : 1 ) Loan Solution portal upload, found in the 'Documents ' section with time and date stamp, starting in late XXXX. XX/XX/XXXX and XX/XX/XXXX 2 ) by email to XXXX ( 3 times, and once from an alternate email address of mine, see # 4 ) 3 ) resent same emails and attachments on XX/XX/XXXX, included XXXX XXXX ( XXXX ) in email as well. XX/XX/XXXX 4 ) Same emails and attachments sent from XXXX XX/XX/XXXX 5 ) fax number XXXX on XX/XX/XXXX with 10 attachments. XX/XX/XXXX. Sent 3 times. I have proof of successful submission I also included to XXXX screengrabs with time and date stamps to show the multiple submissions. I still received threating correspondence about not complying and giving documentation.
I have requested to speak to a supervisor 4 different times to understand why they keep saying I am not complying. XXXX ( employee ID XXXX ) is her name. Each time I was promised a call back within 3 business days. She never did so.
My file was closed on XX/XX/XXXX as incomplete despite the ample evidence that I have sent and continue to send everything requested, using multiple forms or communication.
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| 03/13/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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On XX/XX/XXXX I applied for help with XXXX doing business as Cross Country Mortgage. I filled out the Loss Mitigation Forms and Mortgage Assistance forms and I uploaded all the information that was required on their website. We called to speak to our customer representative named XXXX XXXX and left a message on XXXX and never received a call back. We started receiving loss mitigation packages in the mail from the company at least 2 packs a week and we would fill them out and send them the required information. We never gotten a response from anyone other than the loss mitigation package in the mail with no other correspondence. We called the company again and got no return phone call. All I wanted was to get help because of the financial crisis I was in but I got no response from any one. I got the runaround and no help, so I gave up. I reapplied again on XX/XX/XXXX and filled out the same forms and sent them all the information they requested and on XX/XX/XXXX we received another loss mitigation package but no response about the previous applications and information that was sent to them. I am begging for help but I am not getting no response, I dont want to lose my home, but I dont know what else to do.
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| 12/08/2020 |
Yes |
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Web |
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On XXXX XXXX I was given a pre-approved amount for {$110000.00} to purchase my first home from a mortgage company by the name of Cross-Country Mortgage. I was later told by XXXX XXXX that he could max the loan amount up to {$120000.00}, this information was given on XXXX XXXX. I found a home that the sellers came down on the price for me, had all inspections needed completed, and paid for my appraisal. In the end my closing date was pushed due to faulty paperwork, lack of communication and wrong numbers calculated on the company 's behalf that they didn't catch until a few days before my closing date of XX/XX/2020. My realtor at that time tried to save me money and the house by asking for an extension which placed me out of my due diligence period. In the end the lenders came back with a new pre-approval amount of {$60000.00} which was extremely lower than what other companies pre-approved me for in the past. Due to this horrible experience, I missed a week 's worth of work dealing with XXXX and lost {$1000.00} dollars that I could have used for my children 's XXXX. This process has left me, and my children devastated and unhappy as we were looking to spend our holidays in our new home.
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| 06/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have received a letter in the mail regarding updated hazard renewal for my homeowners insurance policy. Cross Country Mortgage HAS NOT PAID the remaining balance to the insurance company. I reviewed my documents and the homeowner 's insurance should have been paid from my escrow account. I called customer service on XX/XX/2022 and was put on a 3 way call with with the customer service representative from Cross Country and XXXX insurance. I was informed to pay the remaining balance and cross country will pay and I would receive a refund. I sent the cancellation notice with a receipt and I haven't received reimbursement. I called on XX/XX/2022 and talked with a rude customer service representative at Cross Country. She stated, " you have said escrow account 3 times and was shouting into the phone ''. I told her I can't talk to you shouting in the phone and I hung up. I have reported Cross Country to the Consumer Finance early this year for failing to pay my property taxes on time. This company is pathetic when it comes to paying property and insurance fees on time. Cross Country Mortgage is not reliable and does not seem to be concerned with customers mortgages or finances.
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| 06/02/2021 |
Yes |
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Web |
Older American, Servicemember |
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Started the refinance process in late XXXX, provided paperwork after paperwork. Went though the month of XXXX and though XXXX. They kept asking for more documents. I received about eight closing notices. Each time expecting to get the loan finalized. Then, I needed more documents. I would ask, do you need anything else, and they said no. Then, they needed more, I have many emails in which they tell me they have everything. Then, I get the loan is in final approval in the underwriting department, thought we were going to close. Then, no, needed information on my forbearance notification. This came after three months of telling me they had everything. Now, I get the forbearance thing was new, but after three months they didnt t know this?
I really think the loan officer was trying, but the underwriter kept asking for more. No one from the mortgage company tried to call my bank, on a three call to verify that the forbearance has been moved to the end of the loan. I would of hoped that they would have reached out to FHA or someone that was familiar with the process.
Bottom line is I want my loan approved and we can move on.maybe you can tell them how to get it done.
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| 06/19/2022 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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I wrote to my mortgage company citing my complete compliance with all industry wide standards : i. e. an LTV of 53 %, a XXXX score in the top 2 %, no missed payments, a flawless credit history, more than 1 year old mortgage.
I requested CCM to remove an escrow account from my mortgage with Cross Country Mortgage. This was after they attempted to increase my monthly escrow payments by 58 %. I refused to accept that amount and they lowered it to a 15 % increase.
I then requested to waiver the escrow account, having fulfilled all the reasonable and normal requirements. They refused citing that my LTV, which is 53 % ( current loan to current market property ), by stating that THEIR calculation of LTV is based on loan to property value AT THE TIME OF THE LOAN, and it showed an LTV of 92 %.
I vehemently disagree with their calculation, which seems to be constructed solely for their benefit of collecting higher monthly payments, and unreasonably padding their escrow account. The industry wide norm for LTV calculation in demonstrated on the XXXX website, and used by most all the mortgage companies.
This appears to me as deceptive and unfair business practices.
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| 12/22/2021 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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With lies, XXXX XXXX is taking advantage of the fact that I am a XXXX with little English, he wants me to sign an agreement telling me that it is " only about the review you made on XXXX '' 1-The closing on our lot and and the construction loan were supposed to take place at the same time ; however, the date of the land closing arrived and the agent for the lot seller contacted me to let me know that they had not received any documentation from Cross Country Mortgage. Off course the seller did not want to give us more time to postpone the closing because it was all due to the incompetence of our loan representative with Cross Country. After requesting urgent conference calls to try to resolve our situation, we were finally able to get on a call and all this lady did was say " Sorry, I apologize I did not read the clauses on the contract to buy the land ''. On the other hand, she tried to ask the seller of the land if we could postpone the closing for an extra whole month. The seller of the lot obviously said No and we had to end up.preparing everything for closing in only three days ; plus, we end up paying additional money out of our pocket for this closing.
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| 05/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; FDCROSSCOUNTRY MORTGAGE is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. FDCROSSCOUNTRY MORTGAGE is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : FDCROSSCOUNTRY MORTGAGE XX/XX/19. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. FDCROSSCOUNTRY MORTGAGE is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.
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| 10/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Closing on a mortgage
- Closing disclosure or other related disclosures
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Web |
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My closing date per the purchase contract was XX/XX/2023. When I went to the closing attorney 's office, I was asked if my wife was with me as XXXX is a community property state and the mortgage lender/company was requiring her to sign certain loan documents. I was never informed or instructed by the mortgage loan officer and/or the loan processor that my wife needed to attend closing. I never received a closing call nor did I receive any communication, written or verbal, regarding my wife needing to be at closing to sign loan documents. As a result of this egregious omission/error by the mortgage company , the builder came back on XX/XX/XXXX, stating that since the loan didn't close on the XXXX, that I was in breach of contract for missing the closing date, and if I wanted to move forward on buying the house, the price of the home was being increased to {$630000.00} from {$580000.00}. Had the mortgage company alerted/informed me that my wife needed to be at closing to sign loan documents, I would have closed on XX/XX/XXXX, per the contract, and not been subject to paying the higher price of {$630000.00} or {$45000.00} more for the home.
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| 09/11/2023 |
Yes |
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- Trouble during payment process
- Fees charged
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Web |
Servicemember |
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The home was purchased in XXXX and Cross Country was the mortgage company that is carrying our VA loan. Starting in XXXX, my wife became XXXX and unable to work from a work place injury and as a result our household income dropped significantly. I had contact Cross Country on numerous occasions to see what help could be provided and they said there would be an application process that would take 45 days or longer, so rather than wait and become further in the arrears on payments, I took out a 401k loan in XXXX and again in XXXX to pay the entire arrears balance in full, but Cross Country continued to add fees, such as late fees and most recently, they were given 3 payments on separate days in XX/XX/XXXX and they did not reconcile their payments received and attempted to debit our bank account for a fourth payment when there was no fourth payment because the account only required 3 to make it whole and current, so another NSF was added to our account. The total of all of this is over XXXX dollars in fees. I'm a XXXX veteran who is trying to ensure my payments are made on my home and this is what the mortgage company chooses to do to me.
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| 07/05/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
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We had talked with a lender and applied with him. We used his specific guidance on a quiz for down-payment assistance, and filled it out exactly as he said we needed to. After we were pre-approved for the loan as well as the down payment assistance and already under contract on a house, he called and said we did not qualify for the down payment assistance, but said he could go ahead with the loan. He had promised and reassured us numerous times that it was good to go before submitting an offer on a house. He never could put together a good-faith estimate, nor any other details as to costs, closing or otherwise. When we asked for explanations for anything, his responses were short and lacking detail and never really answered our questions. He was never able to supply information on any costs related to the purchase of the home, only a guess at what our monthly mortgage payment " may '' be. Somewhere during this process he switched companies but never notified us of the change, only a new email. We decided to go with a trustworthy lender and fired him from our contract, and hope no-one else has to go through the XXXX of his incompetence.
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| 11/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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XXXX XXXX and XXXX XXXX of cross country mortgage have delayed my closing by months because of forms not being submitted properly, not locking my interest rate when I was told it was locked and numerous other factors. I have plenty of text messages of lies and promises from XXXX and XXXX. I have had numerous disclosures that I signed and every time I get a new one my mortgage payment is higher. I have text messages from XXXX stating my mortgage payment will be at XXXX and my final disclosure is XXXX. XXXX and XXXX keep apologizing and keep telling me what I want to hear but I cant trust one thing they say. I was told I will be closing late XXXX by XXXX in late XXXX. I was told by XXXX we were days from closing in XXXX. Most recently XXXX told my wife a form was sent to the state last XXXX just to shut her up but we found out from the processor that was a lie and it was sent on XXXX. It is now XX/XX/XXXX and we are still not ready to close. These XXXX are not fit for this job. This is the biggest purchase of my life and I cant trust a word these guys say that is not how businesses should be done. This is completely unacceptable.
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| 03/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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My husband and I refinanced our mortgage in XX/XX/XXXX with Cross Country. Since then, we decided to refinance with a small bank on XX/XX/XXXX but this time to take money out.
When going through the refinance process with the new bank, Cross Country wanted to compete with the rate both me and my husband were offered by the small bank. Cross Country did not want to lose us as customers. We sent them the rate information we received from the small bank to see what they could counter. Cross Country said they could beat the rate we were offered ( based on our old records ) by the small bank but at that ran a hard inquiry without warning or approval from myself and my husband. We never heard back from Cross Country as to that rate was. I=Both myself and my husband received a hard inquiry notification from XXXX XXXX on XX/XX/XXXX and it wasn't until the next day that I decided to contact Cross Country about that. I contacted them on XX/XX/XXXX about the hard inquiry. The woman who answered took my information and said someone would return my call within a few business days. It is now XX/XX/XXXX and I still have not heard back.
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| 05/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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Cross Country approved our loan, made us jump through hoops and pay a bunch of debt off including our home which we sold. We were supposed to close on the house we sold and on our new home the same day. When that day arrived we were told we needed to submit more documents to give Cross Country and it would be a couple of days before we could close. We paid off our mortgage, had over {$100000.00} in equity that we had to deposit in the bank waiting for closing and paid off several small bills to the tune of {$16000.00}. Not to mention we were now homeless. We ended up staying with family for 5 weeks and after jumping through all of Cross Country hoops for 3 more weeks and then they denied our loan. We had to pay for an additional appraisal out of our pocket. We both have excellent credit, had a bunch of money to put down and paid off nearly all our debit. I called our local bank and they closed the loan in 2 weeks with a lower rate. We hired an attorney to take care of the legal side of this issue and all the money we ended up wasting due to the poor communication and lack of knowledge from their rep XXXX XXXX XXXX.
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| 12/08/2020 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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On XXXX XXXX, I attempted to take advantage of Cross Country Mortgages split payment process by paying half of my mortgage payment two weeks early. My payment was misapplied, and on XXXX, I called in order to resolve the issue and pay the remainder, in order to also stay current. The customer service agent miskeyed my account number, so three weeks later, I was informed that the payment failed to go through, so I called again to try to rectify the situation. I was given the appropriate information for the split payment program and another attempt was made to bring the account current. I was assured that the miskey issue was identified and resolved, but three weeks later I received another notice of a failed payment. On XXXX, the Cross Country Mortgage site allowed me to make one payment, but the rest of the payments were still not resolved, and 1-2 late payments have been assessed. On my fourth attempt to resolve the issue, I was transferred three times, disconnected twice and finally ( after a 20 minute hold ) I was connected to a supervisors voicemail, which was full, so effectively I was disconnected yet again.
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| 03/07/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/2020 XXXX XXXX, XXXX, a successor to XXXX XXXX XXXX XXXX ( XXXX ) hired XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to prepare an Assignment of my alleged Mortgage to XXXX XXXX XXXX, XXXX for " good and valuable consideration the sufficiency of which was purportedly acknowledged.
Please state the full amount of " good and valuable consideration '' in $ $ XXXX and the name of the individual employee who acknowledged this consideration and the amount paid ; and his/her place of employment.
Please provide me proof of payment of this valuable consideration, such as copy of wire transfer receipt, ACH or cancelled check.
Please state when and where this valuable consideration was paid, the name of an individual officer who made this payment with his full place of employment ; and the name of an individual officer who received this good and valuable consideration.
Please provide me a copy of the ledger for the account receivable where this valuable consideration was deposited and a release of lien signed by an individual employee evidencing that I do not owe any money to XXXX or XXXX XXXX
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| 07/08/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I was refinancing with Cross Country Mortgage in XXXX of XXXX. It was closing on XX/XX/XXXX. One thing XXXX XXXX from Cross Country Mortgage promised us is our first payment would be due XX/XX/XXXX. On XX/XX/XXXX when the notary came to sign the papers at our house, she noticed that the first payment date was XX/XX/XXXX. I immediately called XXXX XXXX and put him on speaker so the notary could hear and I had a witness. XXXX said that he would correct the paperwork after it was signed because it was going to hold up payment. I turned to the notary and she said that she is a witness. It turns out that Cross country sold my mortgage XXXX days later to XXXX and the XXXX payment was due XX/XX/XXXX. I called Cross country and said " they aren't going to do anything '' I am having the notary named XXXX write mean affidavit to what was said by Cross country on that phone call. My lawyer said today that they have breached our contract and that is why they sold it to XXXX. Cross country is even keeping my escrow payment that was supposed to have been sent to me after it closed. Please someone help with this XXXX XXXX
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| 02/09/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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We received the last real update on our loan modification review on XXXX. That update was a list of needed documents. We sent all requested documents on XXXX and then on XXXX. On XXXX, we spoke with XXXX and she confirmed that the documents were received and were pending review. We then spoke with someone XXXX, XXXX, XXXX, XXXX and twice on XXXX. Each follow up call, we requested for the file to be escalated to get an update. Each rep that we spoke with stated that there were no notes in the system regarding the review since XXXX. There is now a sale date for the property on XXXX. We need a response ASAP. The loss mitigation department that this lender uses is XXXX that several other mortgage servicers use. They are absolutely terrible. This issue is XXXX that is common across the board when it comes to assistance reviews. They take months and months to provide updates. They ask for documents that do not apply and that fact is clearly already shown on the documents already submitted. There are nothing but complaints for that loss mitigation company. Please get this resolved for us before the house sells!
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| 11/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Our realtor, lender, and escrow team was ready to close the sell of our house. They got the clear to close and all contingencies were removed.
XX/XX/2020 we were going to sign our mortgage papers to purchase our new house, knowing we had to sell our old house in order to make that purchase, but our team was told everything was fine.
XX/XX/2020 we were told papers running late. As the days progressed, we were told there was a small problem they were fixing, then it became a bigger problem. The other lender and relator were not responding to my relator and lenders calls/emails, information was coming in piece by piece and kept changing. First it was a problem because they had applied for an FHA loan but they already had an FHA home. Then we learned they already owned property, then we were told they DON'T have an FHA loan. In the end, we still don't know what the real problem was. Our lender called the buyer directly to see if they could be approved for a loan and it was very clear to him these buyers should have NEVER started the process as they were NEVER going to be able to be approved for that loan.
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| 08/04/2023 |
Yes |
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- Trouble during payment process
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Web |
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Cross Country mortgage continues to contact me while my account is coded as forbearance due to COVID impact. Ive had assistance withy state ( VA ) and plan on resuming payments in XXXX. Today, XX/XX/2023 a rep contacted me and told me I needed to make a payment or my home would be foreclosed on. I advised my account was in forbearance due to XXXX. She said it wasnt and I advised I had paperwork and also spoke to Loss Mit frequently so I know for a fact it was. She again proceeded to tell me that I would lose my home if I didnt make a payment. I advised her that was not true and that I was receiving assistance from my state to bring my payments current. I advised I would a complaint and she stated AND THATS FINE she was extremely rude and made me feel as though I would truly lose my home if I didnt make a payment. After speaking with someone who works for FHA and helps with mortgages she advised that was not true and she should not be contacting me and threatening me. She told me to file a complaint and make the mortgage company aware of their practices and services their associates are providing.
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| 12/01/2020 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Yesterday, XX/XX/2020 I tried to pay my mortgage for XX/XX/2020 online. The website had changed and now won't let me log in until I put in a 6 digit code that they allege was sent to my email. I have never received that code from them, despite trying multiple times to log in. There is no " retry sending code '' button. It just never arrives. I tried calling their hotline, XXXX, but they have said 6 times now that there are no operators to help. I called at XXXX, XXXX, and XXXX yesterday, and XXXX, XXXX, and XXXX today. Each time I call the automatic operator says that no one is there to help me and to call back. They won't even put me on a waiting list or give me a call back option. It literally hangs up on me. I can't seem to speak to a human about this issue with the website. I can excuse the code not sending, although it's annoying, but they should have operators available. I'll wait an hour if I have to, but they won't even let me wait.
I think I have to mail them a check which I do not trust. Also, there is a fee to pay over the phone.
Name of the company is Cross Country mortgage.
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| 09/22/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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Hello, Name : XXXX XXXX Loan # XXXX - Servicer : Cross Country Mortgage - COVID Forbearance Request I need assistance with confirming why my servicer does not allot me the ability to receive a COVID forbearance as my family and I are currently impacted by COVID. Per FHA guidelines, forbearances are still available until end of declaration which has still not occurred.
My husband lost his job due to COVID and we are currently on a reduced income. This will be a temporary situation as he is actively looking for employment but I am seeking the COVID forbearance to assist with having to make reduced or no payments for a short period. I contacted my servicer today to advise and was told I could not receive the assistance and what will happen if I am on it regarding having to pay a lump sum or other possible options. I also contacted FHA and was advised I would have to reach out to my servicer though I have already. I feel like I am hitting a roadblock. I am aware of other servicers offering the same assistance for FHA loans and am confused why I can not receive it.
Thanks, XXXX XXXX XXXX
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| 12/01/2017 |
No |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I refinanced a loan with my local lender, XXXX XXXX XXXX XXXX They sent a payoff check written from their bank to the mortgage holder, Cross Country Mortgage. Cross Country Mortgage did not accept the check, because they said they were not certified funds. The payoff was sent XXXX/XXXX/XXXX. A letter was drafted by Cross Country Mortgage on XXXX/XXXX/XXXX advising of the rejection of the payoff. It was sent along with the bank check which I did not receive until XXXX/XXXX/XXXX. Now they want additional interested on the payoff, which neither I nor my new lender believe should be paid. And why did they not call me or my new lender immediately when the received the check. Also, I and a representative from my new lender have called, but Cross Country Mortgage would not let either of us talk to anyone above the supervisor level.
Also, when I originally applied for this loan the loan originator told me there would be no origination fee, which I specifically asked about. However, when the settlement statement was given to me and we closed the loan, there was an origination fee.
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| 07/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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Hello, I'm a borrower of Cross Country Mortgage at the XXXX XXXX located on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I'm a young XXXX also in XXXX trying to buy my first house.
Unfortunately, my mortgage application has been poorly managed by the branch above and I am about to loose a good deal on a condo in XXXX because of this.
My case has been delayed and closing date rescheduled due to the inefficiency of the assigned underwriter.
My case was finally assigned to a more senior underwriter today and it seems that the documents part are now cleared out.
As of now, I still do not know if I'll have a closing by Monday or not. This delay already caused me financial loses, and the seller will not extend the closing again if I do not have a closing by Monday at the latest.
I tried reaching out to the branch manager XXXX XXXX however the phone listed on his website does not work.
Also, the email compliant address given by the company does not work.
Please, if you can kindly assist with this matter it would be truly appreciated.
Best Regards, XXXX XXXX XXXX
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| 07/10/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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XX/XX/2018 I was trying to pay my mortgage and was told that my mortgage payment had increased by {$800.00} I immediately called the mortgage company and was told that someone would get back to me, I have called almost weekly to this date I have asked for the Manager and was told that they were researching it but no one will return my calls or answer the line Im having to leave messages and the rep is having to email. I am currently behind on my mortgage because they will not except my payment unless it is {$2500.00} which I don't have, I am receiving collections calls, people are coming to my home leaving foreclosure pamphlets in my door and today I received a letter from a collections agency demanding payment in 30 days or foreclosure processing will start. Can you please help me I am a normal person trying to make it I can not afford for my mortgage payment to increase in this magnitude and I can not loose my home because someone did not do what there suppose to do as I have been doing everything I was asked to do and have not been late on my mortgage prior to this.
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| 12/13/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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To Whom it Concerns : I have a Veteran Home Loan, which according to everything I been taught, read, and heard, does not have a pre-payment penalty. I spoke to employees of Cross Country Mortgage regarding a large amount of money I paid on the new home I just bought. I am pre-paying the principal ; a down payment, basically.
In addition, I have paid a little bit of extra money on most months towards paying off this mortgage, which they haven't recalculated at any time before or after my phone call with them.
I am told that there will be a re-calculation fee. I told them that I have a veteran administration loan and there shouldn't be any pre-payment fee.
That there isn't a re-calucation fee for any pre payment or extra money I have paid towards this mortgage. I expect that any additional money I put down each money to be automatically accounted for and for my mortgage account to be re-calcuated anytime I pay extra money -- no matter how small the amount.
I am concerned about this extra charge. Please address this concern for me.
Kind Regards, XXXX XXXX XXXX
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| 04/17/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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My loan is through cross country mortgage. Im in a forbarrence I have signed an agreement and made 3 payments. Everytime I called to make payment they debt my bank the correct amount except the final payment they set up the payment for {$30.00} under. Evertime I called I was on hold for hours and now they are saying this violated agreement and I won't be able to restructure my loan and will have to pay past due in full..this issues was caused by them not setting payment up correctly. I called and they even took 4 payment in a row and was about to make a 5 payment when finally said the agreement was broken. I've tried talking to them multiple times and they don't want to resolve the issue..now they said the are mailing new agreement paperwork over to start the process again.
I would never though a company would take the wrong payment on purpose and then blame me for there mistake. I'm XXXX XXXX XXXX and have short term memory problems and they are saying this is my fault. Every month I call and say I want to set up payment that's due. I can't seem to get any help
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| 06/25/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/2021 I applied for a mortgage at a company in XXXX called cross country mortgage XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I told the lady my basic information and she said I will have no issue being pre approved. She then about a week or two later said I can not be approved for the convention loan, she was rushing to get off the phone with me. I then emailed her and said I wanted the FHA loan, she never responded to me. I then called another mortgage broker based out of RI within the 30 day silo or shop around period, he pulled my credit and now the median score was XXXX points lower. I then called another cross country mortgage in PA and they said they would have given me the FHA loan. I tried to call cross country mortgage in XXXX from a different phone number I got an answer and the lady said it could be possible to transfer my file to a different office.This office in XXXX is discriminating against me. This does also not explain why my score dropped so much, when it should not have because I was in the 30 day period to shop around for a loan.
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| 04/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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filed my first complaint with cfpb on XX/XX/XXXX, complaint XXXX basically addressing the same issues. My contract with Cross Country Mortgage LLC., reads no escrow for hazard insurance and prop taxes, and I have paid my ins through XX/XX/XXXX. I received a written notice on XXXX from Cross Country Mortgage LLC escrow ins in the amt of {$470.00} eliminating my escrow for hazard ins. My original statements show absolutely no escrow for hazard ins. In spite of this, when I do get a statement, it still shows the escrow and the amount. Obviously, my concern is that it's creating a short fall in my mortgage payments each month. Cross Country Morgage has continually failed to apply accurately my monthly payments and providing me with my mortgage statements and XXXX yearend Federal form XXXX for interest paid for XXXX. I have made many attempts to contact Cross Country Mortgage LLC both by telephone, email, and letters to resolve these issues. It is my understanding that Cross Country Mortgage has a 3rd party arrangement with another company handling their business.
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| 03/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In XX/XX/XXXX I entered into forbearance with cross country Mortgage LLC They told me my options in XXXX of XXXX I asked to leave the forbearance and asked for a loan modification. they said I pay a certain amount for three months and wait to see if I am approved. I call once a month and check to make sure I am doing everything right I have been sending them money every month and they have my money in a hold account I have been doing this now for a year and they have not let me out of loss mitigation they said I was approved for a modification and that I am now in closing I wrote them a RESPA letter asking for paper work I have not received a thing from them just a statement saying they are going to do an appraisal on my home and I have to pay for it I still calling them once a month and been told the same thing I was approved and that's all they will say. I have been trying to get out of loss mitigation and Cross Country Mortgage LLC will not let me out they have over XXXX XXXX of my money in a hold account I only owe them XXXX there's a huge difference
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| 02/19/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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This has been going on for over 2 years. I pay XXXX in property tax because Im a XXXX Veteran with permanent and total at 100 %. My city back in 2020 sent a tax bill about property taxes. So my mortgage company ( Crosscountry Mortgage ) sent what I had in escrow to my city. I knew nothing of this till in XXXX I received a letter saying that my mortgage is going up because my escrow is negative ( because of the property tax bill ). I called my mortgage company and told them that I am at 100 % and I dont pay taxes. So my City treasury sent two checks back to crosscountry and from that point my life will become hell. No call backs, no email replys. Nothing but a bunch of just typical passing the buck. I told several people at crosscountry that Im a XXXX veteran and trying to explain that I never paid property tax. Ive told them that Ive gotten so hopeless with this that I wanted to shoot myself. Ive mentioned to several people that I suffer from combat XXXX. Nothing happened! They just keep sending bills every month and I truly dont know what else to do.
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| 03/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I'm a first time home buyer and was referred to my lender by the real estate firm I was working with at the time I started this process. The realtor and lender were friends so that is how I got the introduction to this lender. A few weeks later, I terminated my contract with the realtor due to his work ethic. The realtor I fired is the lender 's friend. Ever since I terminated that agreement and signed a contract with a new realtor, my lender has been unresponsive, unprofessional, and nasty. He doesn't answer calls from myself or my realtor, won't answer emails and has been insulting and nasty. We can't get answers to our questions, can't get guidance, and as a first time home buyer this is absolutely terrifying and unwarranted. I have never received such horrible customer service in my life. And it's not just me, my realtor has never dealt with anyone so unprofessional and nasty before either. This needs to be reported so nobody else goes through an experience like this. I'm literally in the dark in the process and have nobody to turn to for help.
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| 05/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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On XX/XX/2023 I received a letter from XXXX of my credit cards saying they closed my account due to mortgage lates.
My score dropped to a devastating XXXX.
Cross Country Mortgage reported my mortgage late in error for my XXXX payment.
My home was damaged during the hurricane & my mortgage is in forbearance.
I called Cross Country Mortgage.
They confirmed they had made an error.
I begged the representative to correct the problem & make sure that XXXX is not reported late in error also.
She said I needed proof.
Omg .... it's their mortgage! They set the forbearance!
This has harmed me.
My score tanked.
Creditors are closing accounts due to their error.
They are not helping me!
This is so wrong!!!!!!
My loan is XXXX XXXX verified the mortgage late.
XXXX file XXXX XXXX XXXX insisted that I send an email to their research department which I have done.
I have no idea how they can fix the damage they have caused. A hurricane .... now this.
I'm trying to do everything right to bounce back.
They simply don't care.
Please help XXXX
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| 07/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage company CrossCountry Mortgage is supposed to pay for my NCIP flood insurance policy from my escrow account. They failed to do this, claiming that NCIP never sent them a bill. They never received a bill because they never provided the correct billing address to my insurance broker. Since my flood insurance policy was about to elapse on XX/XX/XXXX, I paid the renewal for {$1400.00} out of pocket and provided proof to my mortgage company that I had paid it on XX/XX/XXXX. I have demanded the mortgage company to reimburse me for this amount from my escrow account multiple times and they have not reimbursed me. The first time I had called them on XX/XX/XXXX, they told me I would get a check in approximately 15 days once they received the proof of insurance. When this did not happen, I called them again and they told me they would not reimburse me until XXXX. This mistake is not my fault. The mortgage company was supposed to pay my flood insurance policy in the first place and I can not wait this long to receive the reimbursement.
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| 02/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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With a drop in interest rates, I approached Cross Country Mortgage about a refinance after an unrelated solicitation implied rates were lower than I was paying. I asked the broker I was working with to explore this via email on about XX/XX/2021. We discussed over the phone and that was it.
He pulled my credit and never got back to me. I signed no application, made no formal request to refinance, and never received a response from the broker despite several follow ups via phone call and email.
I have reached out to remove the hard inquiry as it was not related to an actual application, and the broker never followed through on my request to explore refinance options. To wit, I received not a response or indication that could in any way be reasonably construed as guidance in the refinance process - not an indication of rate, terms, expectations, nor provided an actual application.
I have yet to receive a meaningful response as to why I have an inquiry given their failure to provide anything for which an inquiry may be justified.
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| 02/24/2022 |
Yes |
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- Trouble during payment process
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Web |
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I recently tried to log into my account ( XX/XX/XXXX ) to resume making payments for my mortage and was locked out of my account. When I contacted Cross Country Mortgage to resolve the issue, they admitted to locking my account. Their explanation was because they discovered a bankruptcy, which belongs to my dad. We have the same name, however, XXXX am XXXX and he is XXXX. My father 's bankruptcy was filed late XXXX or early XXXX. What I find very disturbing is, Cross Country Mortgage did not verify the social security number to make sure it indeed belonged to me. If they would have just verified the ss number, I would not be in this stressful situation. I also take a problem with being asked ( by Cross Country Mortgage ) to send them a copy of my dad 's bankruptcy paperwork. My father is not a client of Cross Country Mortgage. This violates my father 's privacy. Although bankruptcy are public records, sending someone else 's records are not something a Mortgage company should be asking their actual mortage holder to do ( me ).
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| 07/21/2021 |
Yes |
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Web |
Older American, Servicemember |
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My anger is not over the fact that my loan was denied. What I felt was unprofessional and rude was the total lack of communication exhibited by the mortgage company.
At one point, I didnt even know who we were working with. At first it was this one lady, then the situation got handed over to another lady who didnt even have the sense enough to clear her phone messages!
The first agent would not even respond to an email I sent her concerning a possible scam situation. Neither would take calls from me or my wife!
They knew there was a bankruptcy involved, but didnt start asking in detail about it until I had paid for an inspection and an appraisal!
Finally I called the branch manager, who was just as rude, insensitive and uncaring as his subordinates! Early in the process they give you a closing date. He is quick to claim how high CrossCountry rates with the VA.
Nearly ten days after the supposed closing date, I finally get a denial letter. I can handle my disappointment, but I feel badly for my wife.
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| 09/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/22 I received two ( 2 ) identical letters from CrossCountry Mortgage stating as a subject line : Second and final notice- please provide insurance information. I never received a first notice and I have informed delivery through USPS that confirms when letters are being delivered. I paid and subsequently submitted this information to CrossCountry when my hazard insurance renewed several months ago. Now I receive a letter/notice that they are going to force place insurance on my loan. I have resubmitted this information as of XX/XX/22 ( same date I received their letter/notice ). I am not sure why I have to continue to their job and receive threats from CrossCountry for their failure to perform their obligations under the loan agreement. This will be the fourth complaint I have filed with this mortgage company since the inception of my loan. CrossCounty is threatening me with {$4000.00} of force placed insurance when they have already been provided my XXXX insurance XXXX page for {$410.00}.
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| 01/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage with Cross Country Mortgage was in forbearance because of the pandemic. I requested a deferral back on XX/XX/XXXX. During the pandemic, XXXX XXXX and XXXX XXXX started a program that all " XXXX and XXXX '' mortgages that were in forbearance can be changed into a Deferral Program when the situation changes and we were able to resume normal payments but not bring the loan current ( not pay missed payments ). This program is supposed to be automatic with no waiting period. I am still waiting on XX/XX/XXXX. I can not access my account online to make a payment. I have to call and then I am charged an additional {$11.00} because I am paying over the phone.
My husband and I have four other properties with four different mortgage companies and all I had to do was make a phone call and our loans were automatically deferred.
Waiting two months to have this done is ridiculous. Every time I call them they tell me its in process. This is not supposed to be a process, its supposed to be automatic.
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| 01/17/2023 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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This is a follow up on the complaint recently closed regarding Cross Country Mortgage. There is no resolve. Cross Country did not notify me of the funds being mis-applied. The representatives, when I called, reported the " mistake '' will be fixed and the money applied to the mortgage payments.. I never received a letter/call stating, that I needed to pay the mortgage as a result of mis-applied funds nor did the customer service representative inform me of such. Now I owe thousands of dollars and my credit rating has decrease tremendously, no fault of my own. Cross Country should bring my mortgage current, I should not have the tribulation of applying for modification ( just assuming they will try that explanation ) By law they were to notify me in writing of any changes. The only communication I received was notes to go to financial counseling and threats of foreclosure. ",,, We pride ourselves on customer service '' ... XXXXthey wrote. So please pride yourself in doing what is fair and equitable,
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| 09/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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1. ) BACK IN XX/XX/XXXX WHEN I STARTED MY FIRST PAYMENTS WITH CROSS COUNTRY MORTGAGE I BEGAN ADVANCE PAYING AHEAD 3-4 MONTHS AND MY MONTHLY STATEMENTS NEVER REFLECTED THOSE PAYMENTS. I CALLED TWO MONTHS IN A ROW AND SENT A CERT LETTER COMPLAING ABOUT NOT HAVING PROPER ACCOUNTING. THEN FINALLY GET THE STATEMENT dated XX/XX/XXXXSHOWING THE CORRECTIONS for advanced payments thru XX/XX/XXXX., BUT NOW RECEIVED A LETTER DATED XX/XX/XXXX SAYING THEY NEED AN ADDITIONAL 15 DAyS TO RESOLVE THESE ISSUES. they just demonstrate they dont know what they are doing 2. ) THEN ON XX/XX/XXXX I GET NOTICE THAT BECAUSE OF THE SIGNIFICANT INCREASE IN MY HOME OWNERS INS. THE ARE REQUIRING AN ESCROW INCREASING MY MO.MORTGAGE FROM {$2500.00} TO $ XXXX..COMPLETELY IGORING MY CONTRCT SPECIFIES NO ESCROW FOR TAXES OR INS...
THEIR PROJECTION FOR MY INS. INCREASE IS EVEN FALSE, SHOWING COST TO GO FROM {$2000.00} TO {$2600.00}. THE FACT IS MY INS WENT DOWN TO XXXX.. EITHER THIS MORTGAGE CO IS TOTLLY INEPT OR THEY ARE UNEHICAL..
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| 02/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Cross country Mortgage does not communicate on escrow.
I received a bill in Mid XXXX to and the payment went up from {$2600.00} to {$3100.00}. I called several times about why the payment went up so dramatically. They kept on explaining that it was due to taxes. So I looked at the taxes and noticed that the homestead exemption was not been issued. I did so in early XXXX and thought the issue would be resolved. But the credit was only {$350.00} a year. So I called again and they told me to do an analysis by email. I submitted the analysis still not change. Finally spoke with a supervisor and he noticed that there was a forced placed insurance that was added in XXXX going all the way back to XXXX. I closed on the house in XX/XX/XXXX.
By law you have to pay your insurance for 1 year in advance in order to receive closing documents. I was not giving any notice that there was a forced placed insurance added nor did they ask for me to proof that I had insurance. Very upset because my XXXX payment
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| 03/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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We received a loan and our first payment was due XX/XX/XXXX. The amount was mailed with the temporary mail stub we received at closing and cleared our bank on XX/XX/XXXX. Payment sent to CrossCountry Mortgage LLC XXXX XXXX XXXX, XXXX Ohio XXXX.
We notified the service provider in XXXX that the payment was not reflected even though it cleared our bank account. A copy of our bank statement was provided to the service.
Our second payment was due on XX/XX/XXXX. It was paid on time, however the payment credited to XXXX and our XXXX payment was reported as not received. As you would expect the process has continued. After receiving no communication from the loan services ( except for statements that do not reflect the payments properly we are looking for additional support ). Even though we filed written complaints with the service provider we now today received a delinquent notice dated XX/XX/XXXX. We are at our wits end. Perhaps you can get someone attention at Cross Country Mortgage , LLC.
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| 06/12/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
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CrossCounty Mortgage. XXXX XXXX XXXX is a scam. They have lied, strung me along, and I have been given misinformation. I was going through a financial hardship and every single time I call this company they not only give you misinformation, you get different answers literally every single time I call, I get different answers. I filled out a forbearance packet in XXXX due to XXXX which was stated with a representative over the phone. I was told from the beginning that my forbearance was going to cover from XXXX forward. It was not. I was told that it would not affect my credit. It did. I was told alot of things, and what ended up happening was the exact opposite. This company scams people and has unfair practices. Someone should pull the call log and look to see how many times I had to call to resolve issues- none of which have been resolved. Someone should pull the call logs and see the lies that the representatives have told, and see the results of what actually happened to my account.
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| 08/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I sold my home with a CrossCountry mortgage on XX/XX/XXXX. I received my escrow refund check ( $ XXXX ) at my new address in Texas around XX/XX/XXXX. My check got lost during the moving process and I quickly submitted to get it reissued. They informed me I had to wait 6 weeks. On XX/XX/XXXX I submitted for a check reissue. I was told it could take up to 60 days to get the check reissued. Around XX/XX/XXXX I called again and informed me they had " forgotten '' to process the check reissuance and committed to expediting the check. I just called again today on XX/XX/11, and they said it will take 60 days to process, and there was nothing in their notes about expediting the check. There was nothing I could do but call back the following Monday and wait my 60 days.
This is a significant amount of money they're holding on to, and although I take full responsibility for the additional 6! weeks it takes to reissue a lost check, I've lost my faith that this check will get reissued at all.
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| 05/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage company has not paid my property taxes. They were originally due in XXXX, and have incurred fees every month since then. I have called the mortgage company every day to try to resolve, but no action has been taken. I have had my mortgage company and the property tax collector on the phone with me at the same time to try to resolve the issue, and it was discovered that the mortgage company had the wrong parcel number. This has been corrected, but the taxes have still not been paid. They are now listed as delinquent, and our names have been posted in the local paper as being delinquent on paying our taxes. When I call the mortgage company every day, i speak to a different person every time and can not request to speak to someone familiar with my case. 2 weeks ago they told me that a check would be overnighted to the tax collector, but no check has been issued. Im at my wits end, and dont know what else to do. As of XX/XX/XXXX, a lien will be issued on my property.
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| 10/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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In the month of XX/XX/2022, I feel victim to the sickness of XXXX I was in complete shock as I had done everything in my power to avoid the XXXX XXXX I thought I would be fine but i was so wrong. XXXX hit me with all the worse symptoms, the XXXX XXXX completely disoriented me. I was starting to experience the inability to wake up and I had XXXX XXXX. I felt like i was starting to go unconscious, so I quickly grabbed the phone and called 911. I was sent to the ER immediately, the doctors were able to help stabilize my breathing. I had to say in the hospital for 2 days to feel some what functional, after that whole situation I realized a couple days later that I missed my payment on the mortgage. I was stuck in the hospital trying to cover that I didn't even think about that, what I was worried for the most was my life. I even tried calling the company later to explain to them what happen so they could give me a chance in my dire situation but they refused to help me.
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| 11/22/2019 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I closed on my home on XXXX my first mortgage payment was due XXXX that payment was sent by my bank autopay on XXXX my second mortgage payment for was sent out on the XXXX because a letter sent out stating that another company would be servicing my mortgage. Now I have a two different companies servicing and to my there was a third. No took the time to update their system to see if I was current with my payments so my account is being tossed around like a football. The next I know I'm being overwhelmed with letters of pass due amounts to be paid in full, behind in payments, foreclosures, late charges, loss mitigation, corporate advance charges and loss of my home and so on all of this in one week what am I to do? I called to let them know that they in the worng but letters kept coming. They were harassing and bullying me using their CORPORATE scare tactics. To make long story short l got online and found CFPB to make an complaint. Also I had two different loan number
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| 12/12/2019 |
Yes |
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- Trouble during payment process
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Web |
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Our hardship began when the settlement company failed to pay for our hazard insurance when we purchased our home in XX/XX/2019, along with a miscalculation of our escrow payments. We were not aware of the settlement companys failure to pay the hazard insurance premium until our monthly mortgage payment went up by about {$400.00} in XX/XX/2019.
We were making the monthly payments of {$870.00} until XX/XX/2019 when our payment went up due to force placed hazard insurance being added. The annual premium for the force placed insurance costs {$2800.00} ; whereas the hazard insurance we secured costs {$390.00}. We have provided proof that our chosen insurance should have been in place. We have since discovered that the original escrow amount was calculated incorrectly, as well. Now, instead of a monthly payment that was affordable we are faced with a corrected payment that will about {$250.00} more each month which will make it a very real challenge to pay.
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| 11/05/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Trying to communicate with the company to fix an issue with the application process
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Web |
Servicemember |
|
XXXX XXXX with Cross Country Mortgage and his office are retaliating against me for making a complaint of MORTGAGE FRAUD against his office.
I have made very respectful requests for a new point of contact, updates to my loan process, and other simple, very reasonable requests. I have never received any type of professional response, after making my complaint to the CFPB.
This office has no respect for loan servicing and the honest relationship it requires.
Not only this, and i have circumstantial proof, but XXXX XXXX HAS BEEN DISCUSSING DETAILS OF THIS COMPLAINT TO MY BUYER AGENT. For some reason he found it necessary to discuss these personal details of mine, XXXX RELATED ISSUES, and is further discriminating my severe XXXX, to MY AGENT.
In no context anywhere does it say he has privileges to discuss this type of subject, MORTGAGE FRAUD and XXXX DISCRIMINATION with MY AGENT.
This man is a shame, and should be reprimanded immediately.
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| 01/14/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
|
The mortgage holder recalculated our escrow payment balance in XX/XX/2021. They " discovered '' that we had over funded the account and they wrote us a check for {$6000.00}, the current balance of the account. Additionally, they lowered our mortgage payment by almost $ 1000 monthly.
However, this recalculation was incorrect and had our new property tax allotment in escrow payments at 0 dollars a month. We called to let them know this was incorrect. They asked us to deposit the amount of the check they sent us to our escrow account and that they would run a reanalysis for escrow payments.
Next month, our payment was still incorrect and we'd heard nothing back from the company. I called again and they're running another analysis to hopefully fix the the problem.
The issue i have is every miscalculated payment increases my mortgage payment by ~ {$100.00} a month when they finally get around to realizing i do in fact owe property taxes.
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| 01/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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I have received a letter from CrossCountry Mortgage LLC dated XX/XX/XXXX. It states my hazard insurance has expired.
Regrettably, the statement that my hazard insurance has expired is not true. No hazard policy for this property has expired since my ownership.
Enclosed is another copy of the Declarations Page for the hazard insurance for the above property. As you can see the Declarations Page clearly states it has been in effect since XX/XX/XXXX, and will remain in effect until XX/XX/XXXX. The Mortgagee is correctly identified as CrossCountry Mortgage, LLC, and the Mortgagee 's address is correctly listed ( along with the loan number ), as the lender required in the Hazard Insurance Endorsement Letter set forth in CrossCountry Mortgage 's loan documents. ( It appears that CrossCountry Mortgage has changed the loan number since the loan closed, however, I have received no notification from CrossCountry Mortgage LLC of this change. )
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| 03/25/2022 |
Yes |
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- Trouble during payment process
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|
Web |
Servicemember |
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On COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Trouble during payment process I contacted this department before in regard with trying to get an Itemization from the company. They had refused to answer the attorney General and XXXX, XXXX a staff requested that I contact this department for assistance. A decision was ruled in my favor. Since this decision the company continued to harass me stating that I'm falling behind and threatening to take me to court. They have constantly heard me. The loan is a VA loan with a general grace period. I mail the check a week earlier so it would get there on time. There is a week or two grace period couple that the check is sent a week prior. The bank is bullying me into trying to change bank. I have a low-interest loan which I pay {$2000.00} to lower the interest unless they can find another bank willing to take the mortgage with the same interest rate. I will not change bank
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| 04/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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We are trying to payoff a mortgage with Cross Country Mortgage and have been trying to do so for an entire month. The interest rate is very high. The mortgagee was my husband and he passed away. We have the new company who are ready to pay the mortgage off. The mortgage has a second loan which was created during the pandemic of XXXX. The new mortgage company has requested that Cross Country send the modification agreement to clarify the XXXX. Cross Country has stalled this process causing another payoff statement to be requested. We pay this company religiously and the rate were now paying is 6.5 % z We have a much lower rate secured. Our new lender has tried everything to get this information and so have we. This causes us to remain in loan with a very high rate. Please help us to get out of this high rate mortgage. While this is occurring, the payments are still being made. My income is minimal and I need relief from this loan.
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| 05/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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XX/XX/2020 Returned check reversal - long form {$2400.00} Mortgage Company Error that took our payments messed up our payment schedules Check was returned for no good reason.
This took our account out of balance, Since then we were charged with XXXX additional late fees because we thought we were ahead of schedule.
Contacted bank several times spent hours trying to get through in which we were disconnected several times after asking to speak to a supervisor because they would only waive one fee that still hasn't been waived after they agreed to waving it.
Asked them for the amount need to remove the PMI from our mortgage but they could not answer that question. We finally got a letter stating that I am not eligible to have the PMI waived. Says we were over 30 - 60 days late on payments which was not true. This was all stemming from the account error returned check back in XXXX less than 1 month after I closed on my new home.
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| 06/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Cross Country Mortgage is responsible for paying the property tax bill on my account. I contribute money to an escrow account with them for this purpose. It was discovered on XX/XX/XXXX that Cross Country Mortgage was delinquent on paying a tax bill that was due on XX/XX/XXXX. As of today, XX/XX/XXXX, they still have not paid the tax bill which is now past 90 days. I have contacted Cross Country Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Despite all assurances they would pay the bill and the associated late fees, they still have not. Additionally, I sold the property on XX/XX/XXXX and closed the account. They are currently holding my escrow money ( approximately {$8500.00} ) and can not confirm whether or not they will pay the tax bill. They state again that it will be several days to process anything and can not give me a direct line of someone that can follow through.
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| 10/28/2023 |
Yes |
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- Closing on a mortgage
- Trying to communicate with the company to fix an issue with the loan closing
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|
Web |
Servicemember |
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Complaint about XXXX XXXX with CROSS COUNTRY MORTGAGE I am XXXX XXXX from the XXXX. With housebound status I also incur quite a bit of approved out of pocket medical expenses.
These medical expenses deductions, which I have documentation for, would have qualified me for the income limits that most of additional down payment assistances required. These are programs that I deserve as a XXXX XXXX and permanently and totally XXXX XXXX.
XXXX XXXX did no XXXX to assist. The context of my XXXX were completely brushed over and completely neglected.
I remained polite throughout the loan application process, and repeatedly tried to assert that these deductions are legitimate and consequential to my mortgage options. My attempts with him made no effects, which is why I am writing this complaint.
I am not sure what motivated him to discriminate my XXXX conditions and the real impact it has on my life.
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| 11/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX of XXXX I received an incorrect Annual Escrow Analysis from Cross Country Mortgage resulting in an overpayment of over XXXX dollars a month. I have, however, continued to make these payments in this erroneous amount.
I have contacted the mortgage company multiple times since XXXX oXXXX XXXX via phone and email. When I call I am told that I can not talk to the escrow department because they do not take calls. I am then given an email address to send documents to which is only replied to with a " no reply email ''.
To remedy this situation I have asked to have my escrow waived, that request has been denied. I am being forced to overpay because of a miscalculation on the lenders behalf which after XXXX months has not been corrected, despite my efforts. I am essentially being extorted by XXXX XXXX, if I do not continue to pay this erroneous amount, I risk destroying my credit and losing my home.
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| 04/19/2023 |
Yes |
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- Trouble during payment process
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Web |
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In XX/XX/XXXX, we received a letter about receiving Homeowner Assistance Funds from the XXXX in FL. The letter states for 18 months at the then-mortgage payment of {$1800.00} ( and some change ). Our lender, Cross Country Mortgage, received payments directly from XXXX in that amount just fine for months until XX/XX/XXXX. The payments suddenly stopped. We have yet to have an XXXX payment go through either. That is two payments missing. Every time I call the HAF XXXX FL they say it was sent, they say the XXXX payment was cashed ( it wasnt ), they say they launched an investigation well nothing is happening. This was supposed to help us. We are in a world of debt, our home is already being listed, and in order to pay the XXXX and XXXX payments, I had to do another balance transfer from credit cards. The HAF XXXX FL is a lying scam, they cut us off instead of completing the full 18 months of payments.
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| 12/13/2022 |
Yes |
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- Trouble during payment process
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|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX paid XXXX dollars to Cross Country Mortgage on my behalf in XXXX. Cross Country Mortgage was applying the money as scheduled for my monthly payment. The aforementioned funds was to pay my mortgage from XXXX XXXX.
Cross Country has me in collections, sending me letters of debt, past due notices, telephone calls, etc. Cross Country Mortgage reported initially they would correct the problem by XX/XX/XXXX. ( The problem began XX/XX/XXXX ). I spoke with several representatives and they reported it can take 45 days. How can they hold the government issued funds and not apply it to my mortgage? This is the second time they made a mistake on my account, The 1st time they use the wrong insurance policy number and my mortgage jumped from XXXX to XXXX. It taken months for them to repair,, and I was receiving threats of foreclosure. Please investigate this company and it practices,
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| 09/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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I have reached out to Cross Country Mortgage to discuss mortgage forbearance relief under the 2020 Cares Act due to Covid-related difficulties with my tenants who are unable to pay rent. There are two mortgages I have and both are XXXX XXXX mortgages. I discussed the circumstances with the company and they have required a massive amount of documentation ( contrary to the Act declaring that such documentation is not needed ). The mortgage company is not treating this matter under the parameters of the Cares Act and they want to treat it as if it's a conventional request for mortgage forbearance ( which has much different ramifications ). I have attached the PDF document they have repeatedly sent me, which was published pre-pandemic ( XX/XX/2020 ) and is not related to the 2020 Cares Act provisions. They are not following federal law and this needs to be brought to their attention.
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| 02/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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Submitted a loan forbearance in XX/XX/XXXX due to hurricane Ian and Nicole. During the months of XXXX and XXXX our credit report showed late. I called in XXXX and was advised it would be adjusted. XXXX was marked paid, XXXX was reporting late again. XXXX I called again, they said they would fix the problem. Again, fixed and then immediately report late for the following month. Removed forbearance in XXXX of XXXX. Spoke to customer service who advised me that it would take 2 weeks to review the file and we will be notified if the payments are added to the end of the loan. Come XXXX we still see no change to the balance owed, called multiple times with all different answers. Finally advised I need to fill out the loan modification documents. Completed that on XX/XX/XXXX. After multiple requests for our forbearance and for credit report to be fixed, neither have been done.
|
| 04/20/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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CrossCountry Mortgage is listed as an approved lender for my states grant program. When I questioned them about the program, however, their response was as follows : " Cross Country as a company is an approved lender. However Cross Country only allows each state to offer one Down Payment Assistance program. Cross Country in Oklahoma opted to go with the REI program over the XXXX program. I can see how youd think that but I can assure maam we are not allowed to offer XXXX here ''.
It's confusing to me that they are an approved lender, but they will not help you do a grant through the state. This feels like a practice that would impact lower-income individuals especially. At one point they even offered me more towards my closing ( though significantly less than what the grant would have ) as long as I did not try to receive assistance, this also felt slightly predatory.
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| 03/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
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Past Due Property Tax Payment from Escrow Account.
Loan # XXXX, XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, RI XXXX.
CROSSCOUNTRY MORTGAGE,XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX IL XXXX is the servicer of our mortgage loan at the above address.
The City of XXXX sent us Past Due Notice Regarding Real Estate Tax for the year XXXX.
According to the Initial Escrow Account Disclosure Statement, Property Tax to be credited by XX/XX/XXXX. Due to failure on their part, City of XXXX is charging {$140.00}. XXXX as interest.
We sent a Notice of Error by certified mail on XX/XX/XXXX and they acknowledged the receipt of letter on XX/XX/XXXX.
It is more than 14 days and we didn't receive any information. The deadline for Property taxes to be paid is today XX/XX/XXXX and at this time of writing XXXX XX/XX/XXXX the property tax is not credited to City of XXXX, RI
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| 05/31/2023 |
Yes |
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- Trouble during payment process
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Web |
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|
indiana housing and community development senXXXX Cross country mortgage XXXX on XX/XX/XXXX to date which is XX/XX/XXXX they still havent applied the money ive made several attempts to get this resolved and i keep calling every week and still no answer the customer service is rude beyond measures and very unknowledgeable about the business there speaking about. they always tell me a supervisor will call me back and they never do. i called Indiana Housing today and they gave me the info to file a complaint cause they say the money was sent electronically and CrossCountry recieved it and they had 31 days to apply the paymen this is now XX/XX/XXXX 4 months later i have numerous of reciepts from Indiana Homeowners where they sent the payment. Got a paper in the mail on XX/XX/XXXX stating my mortgage will go up by XXXX dollars because of deliquency and im not deliquent
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| 08/09/2023 |
Yes |
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- Struggling to pay mortgage
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|
Web |
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At exactly XXXX XXXX time on XX/XX/2023 I called the loss mitigation department of Cross Country mortgage to receive an update on my forbearance request. The gentleman that answered seemed to be working from home with a poor phone connection, I provided my information and he was demeaning, rude and told me I should have paid my mortgage, I asked to speak to a supervisor and he talked over me rudely and caused high-anxiety in front of my daughter as we are already going through a stressful time. I later called back and spoke with another another Crosscountry representative that said the previous agent did not code my account so he would have to escalate to find out who took the call. I also shared my concerns with Crosscountry rep initials XXXX, and XXXX to have them share this concern with leadership, my blood pressure is at XXXX from this terrible experience.
|
| 10/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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I am homeowner in XXXX XXXX XXXX for over 30 years and looking to purchase a second home. Last week went to XXXX XXXX everyone there was extremely helpful and professional.
I was Directed to start the Pre-qualification process with CrossCountry Mortgage and submitted the documents and application on XX/XX/20 on XX/XX/20 received an email for the loan officer that we did not quality there is a score XXXX and was informed scores were low. There is a huge difference. responded to the email and called. Basically they said we have to fix this and resubmit the paperwork. I contacted the bureaus and requested corrections and they will fix this. What it was the worse thing that this company expressed We have to be very careful what kind of customer we approved to live on the community to me this gentrification this illegal and lacking Diversity, Equity and Inclusion.
|
| 01/19/2021 |
Yes |
- Mortgage
- Other type of mortgage
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|
|
Web |
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I am not getting any updates as to where my refinancing status is. I started this process back in XX/XX/2020 and still have not been closed. I have been told not to make my mortgage payments for the last several months because I was told everything would close within that month. So I had to continuously scrape up money to go backwards and pay the mortgage for prior months, which also included late fees. This is getting to be more stressful and upsetting. I have reached out several times to my loan officer and I get no responses. I have sent complaints through the companies website. No response. This is becoming a financial burden, and I need it to be closed out as soon as possible. It has been six months.
I have saved all the emails I have between me and my loan officer si nce the start of the refinance process, which also include my concerns/complaints.
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| 09/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
|
1 ) Closing on new home ( new construction + new address ) XX/XX/2022 XXXX ) Home owners insurance done through broker 3 ) Insurance company sent me physical mail 4 ) USPS failed to deliver due to couldn't find new address ( my assumption ) 5 ) Because of that ( I did not respond to mail ) insurance company cancelled insurance 6 ) Mortgage company ( Crosscountry ) contacted me saying " you do not have insurance '' 7 ) I bought different insurance and provided it to Crosscountry 8 ) Now Crosscountry saying that i did not have coverage in the past for 34 days and demand proof of coverage 9 ) I called several insurers - noone provides insurance for time in the past 10 ) Crosscountry threatens to charge me about {$1000.00} for time in the past were i have gap in insurance - my total yearly insurance is about {$2200.00} 11 ) To me it is a highway robbery
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| 01/07/2018 |
Yes |
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- Trouble during payment process
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|
Web |
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To Whom It May Concern : I have filed a Chapter XXXX, Bankruptcy in XXXX of 2017. I have a active mortgage on my home, but did not re-affirm the loan during my filing for bankruptcy. I have continued to pay the monthly payments. My mortgage lender Cross Country Mortgage, has stopped sending me my monthly statements. I have reach out to them continuously for them to start sending my monthly statements. Cross Country states because I have filed bankruptcy, I will not be getting my statements.
I need to know my loan balance because, my lender has made errors in the past such as applying my escrow payments toward my loan. My home is not in a foreclosure status. My loan payments are only a month in arrears.
I would appreciate your earliest response to this matter. This situation has been going on for too long, and I need your counsel.
Thank you.
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| 05/18/2022 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
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In XX/XX/2021 I did the COVID forbearance. I was told to call back and let them know when I can resume making payments. I contacted the mortgage company in XXXX 2021letting the mortgage company know i can resume my payments XXXX 2021. I let them know that I want to do a partial claim to handle the missed payments. Ive been making payments since XX/XX/2021 but the mortgage company liss mitigation still hasn't file for the partial claim. I've been calling the loss mitigation department since XX/XX/2021 to get this resolved and request call backs from management and I have not received any call, no email or mail communication. I found out last week that I'm in pre-foreclosure, I don't see how when my request for partial claim hasn't been made nor has it been denials. I can not get in touch with Noone to get this resolved with Crosscountry mortgage.
|
| 02/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I had an escrow analysis, it said my escrow was deficient {$500.00}. I paid {$700.00} to keep from paying the interest they tried to charge me. On my statement, it says they are refunding {$210.00} instead of allowing the money to sit in the account. As my loan servicing company, they should not being charging me interest on my escrow, unless it is deficient the funds. I spoke to my county tax office and they said they have not yet determined the amount of the tax increase for this year. I added extra money to my escrow and my principle and they are still trying to raise my mortgage payment on a fixed mortgage, but no one can tell me why the large increase on my mortgage. I do know, the property tax can not raise more than 3 %, my insurance hasn't changed yet either. Why art they stealing from me? Could you please help me understand.
|
| 12/01/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I havebeen callingfor several months asking for an updateon my loss mitigation packet. I have requested the lossmit XXXX rep to contact a supervisor. I have requested an internal note be put in my file asking for a status update. I havebeen told ( in a recording ) my file would be completed by the end of theweek ( XXXX ), only to call back 6 days later and be told there is no record of anyone ever speaking to my processor.
My take homeincomehas increased significantly. I submitted the updated paystub and it was not acknowledged as received. I resumed payments last month, and the loansolutioncenter shows no record of it. Naturally I am hesitant to continuesending money into the ether without any response, update or acknowledgement.
PLEASE REPLY and provide an expectation of when my application will be reviewed and complete.
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| 01/19/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I went into forbearance during XXXX and was not able to pay on my home loan for a year ( XX/XX/XXXX- XX/XX/XXXX ). Once I was able to continue paying I informed my lender ( Cross Country Mortgage ) and they helped me with setting up a LOAN MODIFICATION. I received the paperwork in XX/XX/XXXX and immediately signed, notarized and mailed back per their instructions. As of today ( XX/XX/XXXX ) I have yet to receive a copy of my LOAN MODIFICATION AGREEMENT, I have also called my lender every day for the last four weeks asking for a copy which they have failed to produce. Today they informed me I need to contact the VA since they are the ones who have the documents I am requesting ; the VA informed me they do not have such documents and also informed me my lender never submitted any documents for a LOAN MODIFICATION.
|
| 08/02/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
The Lender on my new Jumbo mortgage is impounding too much money into escrow to cover property taxes and home insurance. The name of the XXXX is : CrossCountry Mortgage LLC.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per CFPB 1024.17 Escrow Accounts ( c ) ( 1 ) ( i ) Charges at settlement or upon creation of an escrow account, I have performed an independent calculation of the Aggregate Adjustment number on the Closing Disclosure and have come up with a materially different number than my lender.
My calculation shows that the Aggregate Adjustment should be a credit of {$2100.00} whereas the Closing Disclosure shows it as {$790.00}. The lender is padding the escrow account by {$1300.00} too much.
I attempted to get the lender to fix this up until the last minute at closing, but they refused.
|
| 07/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
A hurricane occurred in XXXX. We received funds from the flood insurance a couple of months later. We have been fighting and struggling with the service of our Cross Country mortgage ever since then to get payments on time. We have been living in utter chaos. Finally our contractor agreed to do some work for the sake of our safety but despite all the reports and inspections, the service will not release our money to us, and now the contractor is threatening to sue because it has been so long. The servicers communication is insufficient, terse, and never contains the information we need. They don't always respond to emails and if they do it's days between communications and they won't just pick up the phone and call us. I don't know what to do. I've tried everything. That money is mine and I'm living in chaos
|
| 03/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgagor has re-evaluated my escrow and has recalculated my loan payments to include my homeowners insurance. My loan documents only include principal, interest, and flood. My loan is not set up for escrow or impounds. I pay for my homeowner 's and property tax outside my mortgage and always have.
I called the company on XX/XX/22 or XX/XX/22 and talked to XXXX who said he would submit my concerns to the company. I did not hear back and called on XX/XX/22 and talked to XXXX. She was extremely rude and offered no feedback or support.
I logged in to my account today on XX/XX/22 and see that my payment has been increased. This is in breach of my mortgage contract with the company.
This is the second issue I have had with this mortgage company not doing the right thing until I submit a claim to CFPB.
|
| 11/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a mortgage with CrossCountry mortgage Account XXXX. XXXX XXXX XXXX XXXX For a year they receive my paiments and never inform me that my insurance never was XXXX and now 14 months later they activated an insurance for that time that my mortgage was with out insurance and my home was with out coverage I explain to them that my insurance agency send them the policy but never receive the payment and after that they notificated them that the policy was cancel, but i never receive any notification to activate or request for a new policy, I felt unprotect for more than a year and then the mortgage charge me for an insurance overprice just to justificate that we supposedly had an insurance since the beginning of the mortgage I would like this money back to my Escrow and thats why I contacted you Thanks
|
| 01/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Cross Country Mortgage transfer to a third-party servicer, XXXX has report XXXX months late payment, XXXX XXXX, XXXX 2022. After several emails back and forth of providing proof of their reporting error. XX/XX/2022 was corrected. XXXX and XXXX have not been changed even though I provided banking statement proof of payment that were received by XXXX XXXX and not credited to my account. They reported to the credit bureau late payments on the XXXX of the month. I researched the XXXX XXXX - violation that accounts should be reported with at least a XXXX delay. I have reported this to the XXXX and XXXX but have not heard back from either. I am looking to this agency to help me resolve this matter as I find that they are not following the reporting law and this is affecting me need to use my credit.
|
| 11/06/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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New loan closed in XXXX with 3 errors posting in my account. After communication and complaint filed with cfpb, CrossCountry Mortgage corrected 2 errors and 1 remained unfixed. Upon reviewing investigation letter from CrossCountry Mortgage Servicing, I sent out a new notice of error on XX/XX/XXXX. Prepaid interest paid at the closing, in the amount of {$130.00} USD was entered into CrossCountry Mortgage system ; however, this amount was NOT included in monthly statements since XXXX. I later received 2 letters from CrossCountry Mortgage Servicing, stating a response will be provided to me by XX/XX/XXXX. Yet as of today XX/XX/XXXX, no letters were received. Enclosed here are letters of correspondence, most recent statement, general loan information, loan activity, and CD to show the discrepancy.
|
| 07/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/2022 I obtained a mortgage with CrossCountry Mortgage. In the first month, they sold the loan to XXXX XXXX XXXX. I made the monthly payments as expected and did a principle payment, bringing principle balance down from {$330000.00} to {$70000.00} as of last month. Last month I was informed by XXXX that the loan was being sold back to CrossCountry Mortgage. I then started receiving letters from CrossCountry Mortgage saying that I had not made any payments, and that I owe them the original {$330000.00} plus penalties. I called them, and was told that they had started the processing on transfer too soon, and that someone would fix the account within 5 days. That was two weeks ago. I called again today and the representative said to contact loan servicing. Borrowers deserve better.
|
| 07/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
The lender worked for Cross Country Mortgage and was late getting the documents needed for the condo, he would not reply to the Title agent, the insurance agent, and I had to ask for an appraisal for 2 weeks or more.
After securing 3 extensions per the lenders request, he still missed the deadline. All without providing specifics for reasons why. The inspection was provided on the XX/XX/XXXX, yes XXXX, this is not a type, and I called him that day to let him know the outcome of the inspection which went well. Monday when he came back from vacation he asked if things went well. On XXXX he informed me that the condo did not receive approval and wanted to speak to which I stated that the seller is no longer providing extensions and did not want to work with such an unresponsive company.
|
| 09/12/2019 |
Yes |
|
|
|
Web |
|
|
Not sure if this is the place to inquire about this process - I applied for a convention loan during a recent home purchase, but was told by the mortgage broker ( XXXX XXXX - Cross Country Mortgage ) that i didnt qualify for a conventional mortgage - although my credit score at the time was 720+ and we put down ~10 % towards the loan.
I was put into an FHA loan with FHA insurance, and i am wondering if i shouldv'e received more information relative to a conventional loan denial other than just being told by the lender. I didnt receive any formal paperwork or documentation of that.
I have also recently found out that the mortgage broker whom i was directed to, works closely with the builder and real estate broker, so i am not sure if i was given the best rates and options for me.
|
| 01/04/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
In accordance with federal law and my mortgage loan contract, I have the ability and right to make my mortgage payment without penalty on or before the XXXX of each month.
Cross-country mortgage intentionally limits my rights, and profits themselves by limiting the date of my scheduled monthly auto-draft payment to not later than the XXXX of each month.
This harms me and other borrowers while the mortgage company holds onto our money for 10 extra days before remitting it to XXXX, XXXX, etc ...
My only alternative is to risk fraud, theft, or loss by manually sending in a check each month or using my billpay service to do the same. However, that incurs an additional cost.
I desire the CFPB to investigate this blatantly unlawful practice and force changed behavior.
Thank you
|
| 08/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
Cross Country, Mortgage Inc. employee XXXX XXXX, XXXX # XXXX Phone XXXX Cross Country Mortgage, Inc XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Ohio XXXX Employee XXXX XXXX was very slow and unproffesional in the work on our loan for a condo, never hardly getting documents to us or other parties in a timely manner, not responding to our phone calls in a timely manner causing us to fire him, and his company, and getting another Mortgage company that was very good at all aspects of our loan application. XXXX XXXX even purposely delayed sending documents to new company we employed. He also gave bad advise to my wife advising her to come off loan causing us to have to pay {$660.00} to quit deed her onto condo after closing. I would like for XXXX XXXX or his company to reimburse me the {$660.00}
|
| 01/25/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I applied for a loan modification back in XX/XX/2019 due to my loan not being written correctly and the title company never paid my insurance so I had a forced insurance without notice and my payment increased .The mortgage company keeps telling me they haven't received proper documentation, when I keep resubmitting the same information by fax and email over three times.The mortgage company is delaying the loan modification process.I have proof of submitting the information requested.Please someone help me.My name is XXXX XXXX and I have Cross Country Mortgage as my servicer.I agreed to a payment of XXXX per month then my payment increased to XXXX per month due to title companies negligence.No one is trying to correct the problem and my mortgage become very unaffordable.Thank you!
|
| 05/18/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Approved for 6 months of government Homeowners Assistant Fund. Mortgage company has cashed XXXX, XXXX and XXXX payments but have NOT been able to locate to apply to my account. These funds have been approved from XXXX XXXX, XXXX, XXXX were applied with no problems. Ive been contacting my loss mitigations department and mortgage company several times per week since XX/XX/23. Last update I revived yesterday when calling was that it was still being escalated and the check numbers and cashing information was received from HAF - but, they have applied anything to my account as they were still searching for these funds. This is ridiculous! 3 months of escalation getting the check information that they cashed months ago, but yet NO results to be able to apply to my account. Please help!
|
| 06/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Hello, I have PMI on my property. I have a loan on my home of under XXXX and an appraised value of the property between the ranges of XXXX to XXXX. The LTV of the property is roughly 70 %. Per the Homeowners Protection Act, I should be able to remove PMI from my property at this current rate.
I applied for removal of PMI on XX/XX/XXXX. I followed up on XX/XX/XXXX and was told that the PMI can not be removed from the property since it is based upon the initial principal amount and not the equity in the property. This is in direct conflict of what the Homeowners Protection Act sates. Private mortgage insurance must be automatically terminated for homeowners who accumulate the required amount of equity in their home.
I have attached the initial assessed value of the property.
|
| 12/03/2019 |
Yes |
|
|
|
Web |
|
|
We were suppose to close on our mortgage on XX/XX/2019. I arrived at the XXXX XXXX XXXX XXXX XXXX at XXXX. At that time I was informed that XXXX XXXX ( XXXX XXXX XXXX XXXX ) did not send the package yet. At XXXX, I sent an email to XXXX asking why she has not sent the package yet.
Her response to me was very rude and she threatened me and my wife. I had nothing but email communication with her but she never told us the amount we needed to bring to closing. I have always been nice to her due that I was taught never bite the hand that gives you money. This email made my wife cry and I have been unable to sleep wondering what happened. I will attach the email to this complaint to prove how rude she was. She even threatened to retract the loan right on the closing date??
|
| 11/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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I made a post on the company 's XXXX page. I was contacted by an employee named XXXX XXXX who works for CrossCountry Mortgage on his personal account. He proceeded to ask me for my loan information and other details which I was not comfortable with. I blocked him on XXXX. He proceeded to post screenshots of our conversation in a XXXX XXXX called " XXXX XXXXXXXX XXXX XXXX. '' I unblocked him and asked him to remove this post, he blocked me. I have reached out to CrossCountry Mortgage to inform them of the situation and never gotten a response. They violated my right to privacy and XXXX XXXX overstepped because he is not capable nor qualified to handle the situation I am facing. The company lied to me as well about recasting my mortgage payment and removing my PMI.
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| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Report provided to employer without your written authorization
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Web |
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Hello to whom it may concern, I have a credit inquiry reported from Cross Country Mortgage on XXXX that is inaccurate and with any written or verbal consent. I've tried multiple times to remove it with XXXX this year but this is the first time they direct me to you. I have XXXX relationship with cross country mortgage, never filled out any applications with them or phone calls, I don't have a home. This is in violation of consumer rights within Protection of Nonpublic Personal Information 15 U.S CODE 6801 which protects against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. I did not give any verbal or written consent or application to Cross Country Mortgage.
Thank you.
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| 03/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I have a conventional mortgage with Cross Country Mortgage. XXXX services the mortgage. My mortgage payment jumped {$400.00} a month. Cross Country informed me it was because of increased property taxes. The city I live in assesses taxes twice a year. Cross Country has been ( over ) paying 4 times a year. I have spoken maybe half a dozen times now with Cross Country and XXXX and they are unable to tell me what they paid out of escrow and why. They assigned a " resolution specialist '' who promised to get me an answer by XX/XX/XXXX, but he has, as of XX/XX/XXXX, provided no response and is unreachable. Essentially, they are cutting checks from my escrow account for taxes that are not owed and can not account to me for what happened to the checks/money.
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| 01/13/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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After being told by Cross Country Mortgage that I had been approved for the mortgage on a property at XXXX XXXX XXXX XXXX. XXXX from XXXX XXXX XXXX charged me {$420.00} on XX/XX/2020, for an inspection from which I was denied a loan. On XX/XX/2020 my XXXX XXXX XXXX XXXX Account was charged {$450.00} to collateral Management for an appraisal of the property at XXXX XXXX XXXX XXXX. On or around XX/XX/XXXX I paid XXXX XXXX XXXX {$200.00} for a membership fee and a application fee to The HOA at XXXX XXXX XXXX. Due my XXXX and the XXXX XXXX I feel I was taken advantage of by unfair house marketing strategies by Cross Country Mortagage company and its business partners. Cross Country Mortgage should have told me that I would not be approved for the loan.
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| 11/16/2022 |
Yes |
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Web |
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To whom this may concern, last year of XXXX I applied for the Forbearance program and I got approved. I was told after completing the program that payments will be added to the end of the loan. I spoke an associates back in XXXX, and I was informed they will send documents for me to sign and Notarized then send back and it should take XXXX days. I started making my regular payment of XX/XX/XXXX. I have not missed a payment yet. I continued to call every month to find out the status of the Documents and no one seems to know whats going on. I requested to speak to a supervisor multiple times but instead I got hung up on. Other times I was told a Supervisor will be calling me back and still have not got a call back yet. I am exhausted and frustrated.
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| 05/14/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Loan officer misleading statements. Confusing to clients. Cost client XXXXMade her go get docs to get approval.Underwriting discrepancies. A lot of red tape. Loan officer pulled clients credit more than enough and now her score is lower and she cant get anything to rent thanks to the this company.
We also have transcripts of the misleading statements and prepared to go to media so that this process wont happen to another first time homebuyers. This is the last statement the loan officer said to clients and I quoted from his message The loan is being underwritten and if she denies the loan he will have someone ready to review and approve it.
I have everything in email and messages so Im prepared to go public about this process.
XXXX is illegal
|
| 10/25/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am writing to request your help. I tried to solve this issue with CrossCountry Mortgage back on XX/XX/2019. I requested this company to start an investigation about a late payment that is being reported to the credit bureaus. In the request I also clarified that I was disputing the payment history they are reporting to the credit bureaus.
40 days after, I checked my credit reports and they did not even mark the account as disputed, they did not start any investigation as they are supposed to under the FCRA.
Please help me to solve this issue since they are committing multiple violation such as reporting incomplete and incorrect information to the credit bureaus, unfair business practices and negligence, etc.
See documents attached.
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| 06/26/2021 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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I've been requesting a payoff statement from Cross Country Mortgage for nearly a month. I've sold this property and missed the closing date twice due to Cross Country being unable to supply a payoff statement to close the mortgage. I've spoken with multiple managers at Cross Country as well as received advice from USDA to file a complaint.
Cross Country continues to hang up on my calls, transfer me around constantly and just a general refusal to resolve the issue. This is the last contact information I was provided by Cross Country until they stopped responding to me : XXXX XXXX Short Sale, Deed-In-Lieu Specialist O : XXXX XXXX F : XXXX Loss Mitigation Department XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ilinois XXXX
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| 11/18/2020 |
Yes |
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Web |
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I am a first time home buyer. This process was absolutely horrendous. No communication. Dishonesty. Misleading. And just down right terrible.
I was told over and over again to stop freaking out to relax. Just chill out. Well come two weeks after original closing date and my house was sold. A single mom with a XXXX year old and know were to go was told by my title broker that it was never going to go through.
I was quoted a XXXX $ mortgage and the mortgage was going to end up being closer to 1600 .
Im beyond mad. I have no where to go now with my child. All because of putting everything off and playing major games. Im sick over this.
On top of it my credit is completely trashed now because he checked it so much. Not ok at all.
|
| 08/04/2022 |
Yes |
|
- Struggling to pay mortgage
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Web |
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I was injured at work back in XX/XX/XXXX. I started trying to work with Cross country mortgage in XX/XX/XXXX in regards to loss mitigation and have had trouble with them " not receiving my applications '' I got confirmation XXXX that of was received via email. From XXXX until today ( XXXX ). I have emailed them on XXXX, XXXX, XXXX, and XXXX. I have called them XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Cross country mortgage has not been giving me any information nor updating my account in regards to the loss mitigation process. They had also sent me a letter for acceleration and stated today in the phone call that my loan is now in active foreclosure even though I have been in contact with them and sent in all the documents requested.
|
| 12/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I have lived at my home for XXXX months. I have repeatedly requested that they complete an escrow analysis in order for my payment be calculated correctly. I sent tax bills to the company and they still have not done so. I sent the tax bill on XX/XX/2021 and they in turn paid my taxes and my neighbor 's taxes out of my escrow account. I went to the tax office and inquired as to why. I was told it was an error on the part of the mortgage company. I have contacted the mortgage company AND provided the required information to them to correct the error and my escrow account still has not been credited and I am unable to get a date from them as to when this will be corrected. As a result, my escrow account is negative over {$3900.00}.
|
| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Report provided to employer without your written authorization
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Web |
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on XX/XX/XXXX XXXX/CROSSCOUNTRY MORTGA Pull my credit without my permission, or without a permissible purpose, by law, they are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( I ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) They also are trying to mislead me by saying in a letter send to me, that I gave verbal permission to XXXX XXXX. I have checked all my corresponded between me and him. I have NEVER gave him Permissible Purpose. I have attachment screenshot of our conversation.
XXXX XXXX guarantee me that he did one hard pull in my screenshot of our conversation. Now in this letter they send me he said I gave a verbal permission for a 2nd credit score pull.
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| 06/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I currently have a mortgage with Cross Country Mortgage LLC, I received a check from my home insurance company for a claim that damaged my kitchen. It had both my name and the the mortgage company on the check so it needed to be endorsed by the mortgage company. I sent the check to Cross Country and was told it would be mailed back in 5-7days. Since I was told that, I had the contractor complete the work. Well after several calls of them lying every time, the check has still not been mailed out. They received it on XX/XX/XXXX ... .Now they are saying I should receive by XX/XX/XXXX ... .how can I even believe them as they lied every time I call. I have a contractor waiting for a lot of money that I can't pay without that check.
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| 03/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Well, I had an absolutely horrific time with this lender prior to this issue regarding the processing and closing of my loan. Finally had to get resolution by submitting a complaint to the XXXX XXXX XXXX
I thought with my refinance in XXXX I was free of the errors and hassles around dealing with Cross Country Mortgage until it came time for taxes. I do not have a 1098 from them. It's XX/XX/XXXX and I need to do my taxes. I reached out last week after learning from XXXX, the servicer XXXX transferred my loan to, that XXXX can not provide me with a 1098 that reflects anything prior to the transfer. That's on XXXX.
Basically they need to send me a 1098 ASAP so I can get my taxes done and be free of them once and for all.
|
| 06/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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We are working with multiple vendors but one specifically have been having difficulty with. Cross Country Mortgage will not give us an accurate Loan Estimate even after filling out their application and providing additional information like number of accounts and balances. I tried following up with the Loan Officer and he gave a Loan Estimate with a XXXX XXXX interest rate and would not provide an accurate rate based on verbal conversations until we agreed to move forward.
We have found this loan officer to be pushy, and difficult to work with but feel its important that others do not fall into a trap based on not having transparent information upfront before moving forward with a loan and getting locked into something.
|
| 07/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
|
|
payment history involving Cross Country Mortgage is incorrect. The months will be listed below.
XXXX XXXX - XX/XX/XXXX.
. I have plenty of issues involving the collection department. lying. trying to have me pay money I didn't have. I can go down the list. when my account was NEVER late. I was in COVID forberence between XXXX XXXX XXXX XXXX. I waited for my paperwork from FHA until XXXX. Therefore I was Not obligated by contract to make a payment because I was waiting for my FHA loan due to my covid forberance. again I was never late on this account and I would like them to fix it immediately. Picture will be uploaded aswell. if I need to file a " Claim of debt '' form for them to validate all my debt I will do that.
|
| 07/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I provided XXXX XXXX of Cross Country Mortgage of XXXX, FL all of the required information needed to receive a loan estimate. When I got a loan worksheet I was disappointed and asked specifically for a LE to ensure the prices would be locked in per the CFPB requirements on prices changes. I was told that their company doesnt provide LE until the entire approval process is completed ( he specifically said close the loan ). This is against CFPB policy, a waste of my time, and predatory since they can still change the pricing all the way up to the loan closing. This is exactly the reason the rule is in place. CC Mortgage is trying to take advantage of unknowing buyers. What can be done to stop this behavior.
|
| 03/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Once again~Servicer is intentionally trying to delay borrowers payment to increase the risk of default. CCM has had my mortgage payment since XX/XX/23 mailed on XX/XX/23 through usps. I HAVE A TRACKING NUMBER SHOWING AND A SCREEN PRINT SHOWING IT HAS YET XXXX BE PROCESSED As of XX/XX/23 they had not processed the payment. Just like last time they waited too long to process the payment and caused a late fee and there being a returned check. Although this time these are certified funds. Last time they caused a 30 day late on my credit report making me denied for financing and higher interest rates due to credit score. I believe they are intentionally trying to make me default on the loan so they may acquire my property.
|
| 11/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
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I'm filing this complaint with Cross County Mortage due to misleading information during the refinance process. I started the refinance process in XX/XX/2021, I signed the 1st closing disclosure on XX/XX/XXXX, and due to XXXX XXXX Mortgage 's lack of communication, the disclosure expired. I signed a 2nd closing disclosure on XXXX and received a call from the loan processor that she will schedule a signing to close my refinance. I never received the appointment to sign, I called the loan processor and loan officer multiple times with no response. I then received a letter in the mail on XX/XX/XXXX indicating that the loan was denied due to credit. During this process, Cross County has done nothing but lie and mislead me
|
| 04/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with FD/CROSSCOUNTRY MORTGA. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection.
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
|
| 09/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
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On XX/XX/20 we received a letter from our escrow company stating we had a shortage. Our payment would go up {$100.00} per month. We had just closed on a refinance. I called my mortgage company representative. He was not sure and questioned if we received notice of tax increases. On XX/XX/XXXX I had a hearing to lower property tax and it was. I looked into any increases and there where none. We call mortgage escrow and they stated to my wife that our taxes increased which we know not to be true. Our mortgage representative looked into also and stated to me escrow was expecting tax increases do the county tax cycle. With no cause or number they increase our escrow input to cover a shortage that does not exist yet.
|
| 10/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
|
|
Web |
Servicemember |
|
Ive requested all forbearance letters exit and entry of forbearance and documentation of any extensions, Cross country mortgage and the loan serviced has not produce any forbearance documentation letters, this has prevented me from refinancing my loan with new mortgage company they failed to produce theses documents going on thirty days or refuse to research and give me copies if no copies available they should produce such letters for exit of forbearance and any extension For loan XXXX without this documentation I can not refinance my loan, Ive lost XXXX trying to correct this Im ask them for all documents by XX/XX/XXXX or will take legal action of being able to produce require documentation for this loan
|
| 04/15/2016 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
My loan officer was lazy never called or emailed me we asked to be put in the no money down payment from the beginning and he never submitted our application then he lied so many times to us We had to use all our savings for the down payment because he did n't accommodate us he never answered our calls or emails He was extremely lazy we asked him to lock in our rate with such a great credit score that we had he still charged us XXXX And when we wanted out thenow he told us we will get sued this was one of the most uncomfortable experience I 've ever gone through then to find out the loan officer bank is no longer in service I just wan na cry ps I dint think it was in service at the time of the transaction
|
| 08/19/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had Covid for the third time I called in XXXX to put my mortgage in forbearance because I was sick for three weeks and I had to wait for a month to receive the application and then later filled it out and was getting fund for Raft program to pay my past due balance application XXXX XXXX the issue payment on XX/XX/XXXX I was approved for the amount owed and the mortgage company denied my application for forbearance I sent in do to support my claim being on set income for work related injury they are send to the credit bureau saying I owe money that was paid it takes up to two weeks for them to receive payment my credit is being affected and I explained that a government assistance program was paying it
|
| 07/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Cross country Mortgage has stated I have not made payments in 4 months this is untrue I have made all payments during forbearance. I have also made payments over the amount they asked for They have reported that I owe more then I due and also add that I have outstanding amount of XXXX which is untrue when they had over XXXX XXXX dollars they report the mortgage is higher then what it it really is I called an asked for an itemized detail list of how the funds would be disbursed and have no repose I have never missed a month of the payments they reported I did I would like this fixed on my credit score I gave them all the payments and money and now am entering a new agreement with them and this happens
|
| 07/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
At the beginning of the Pandemic, CrossCountry Mortgage offered us the option to " pause or skip '' 3 payments under their Covid Forbearance & Cares Act program as most lenders were offering similar pandemic assistance. We were assured by the representative that this would NOT affect our credit. Months later, we decided to sell our home. Once we paid off the loan in full, CrossCountry Mortgage decided to report over 6 months worth of late payments! Our credit scores dropped over 150 points due to this error! We are now forced to rent until our scores improve to purchase another home. My wife & I need our payment history to be updated and reported as on-time/perfect to all 3 credit bureaus ASAP.
|
| 11/07/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Cross Country Mortgage and I have been working for XXXX weeks to get to get my loss mitigation request processed. They keep asking for an HOA bill on a specific letter head. I have called the management company of the HOA multiple times and asked for different things they say they are unable to comply with. The mortgage company refuses what the HOA company IS able to provide me. Because of this I am unable to complete my loss mitigation ( forbearance ) request. The phone agent said to me there is nothing they can do as its required by Cross Country and they set the rules and refuse to put me in touch with the underwriter, XXXX. They say he doesnt have an email or phone number to contact me.
|
| 03/20/2023 |
Yes |
|
|
|
Web |
Servicemember |
|
They charged me {$680.00} for an appraisal ; I asked them not to do this until the loan went close to its conclusion.
They lie.
When he couldn't get the loan to go through, he " ghosted '' me.
He lied about FHA regulations.
He was generally unethical.
I hope he did not charge me for the homeowner 's insurance I didn't get on the loan that I didn't get.
This guy is just plain sleazy and unethical.
Here is his information : XXXX XXXX Inside Loan Originator XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX crosscountrymortgage.com/XXXX XXXX XXXX badge XXXX CrossCountry Mortgage, LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Personal XXXX Branch XXXX Company XXXX XXXX XXXX
|
| 07/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have called many times, every time I waist about 1 hour of my day and never get a solution. This company is the worst ever! They raised my mortgage from XXXX to XXXX from nowhere! They did add a special and they never were able to explain what was that. They tried to blame the tax but it doesnt make any sense because I pay less than XXXX yearly and back in XXXX my escrow was already XXXX. Also, my insurance is less than XXXX yearly. There is no way that I have to pay extra {$4000.00} for my escrow. Crosscountry is so disorganized, dont help customers properly, have a unprepared team that cant handle with our requests and now is making me pay a lot of extra money for no reason at all!
|
| 04/19/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I bought my house at XXXX XXXX XXXX XXXX XXXX 2 years ago. XX/XX/2021 and just 4 months later out sump pump failed because the sewage was running to the hole and had failed for not being the proper pump. Resulting in 2 feet of water and significant mold and draining issues under the house. My insurance only covered enough for mold remediation even quoting that it was only covered for $ XXXX but there was $ XXXX in total damage. After struggling to keep up with payments and fix my house myself we decided to move out and I attempted bankruptcy but my attorney didn't give me the proper documentation for it to be resolved. Now I'm just trying to sell the house and move on with my life
|
| 06/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We updated our hazard insurance policy and notified our mortgage company before payment was scheduled to be sent. After we notified them of the new insurer, they sent the old premium payment of {$1300.00} to the old insurer. We noticed their error and had them send the payment to the new insurer, and it was received. However, we have contacted them multiple times since they sent the payment in error and have been told that the check has been stopped and that the {$1300.00} would refund to our escrow account. Today we learned that the information provided on multiple occasions was never true, and the old insurer had presented to check for payment and to seek a refund from them.
|
| 11/02/2020 |
Yes |
|
|
|
Web |
Servicemember |
|
Hi On XX/XX/2020 I closed on my new construction home as advised by my lawyer XXXX XXXX go ahead and close due to the pandemic the CO is on someone desk waiting to be signed now 3 months went by the town will not issue a Co for the house because of a list of problems with the property Ive notified my lawyer which is no help Ive contacted XXXX XXXX builder which was XXXX builder before and cross country mortgage. No one is ever willing to help. They did some repairs and still not up to town standards. Im a XXXX veteran. All I get from everyone is the run around. This builder, mortgage company and both my lawyer and theirs are no help. Please guide me to what I should do.
|
| 10/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2021, I paid off my mortgage. I have approximately {$5.00}, XXXX in an impound account with CrossCountry Mortgage ( XXXX sub servicer ), plus applicable interest. I contacted the company for my refund and was told it was mailed on the XX/XX/2021. I have not received it and the statutory time frame has passed for receipt of escrowed funds to be returned to the borrower after closing of the loan. The company has been rude and uncooperative while i attempt to ascertain when i will get my deposit back and what their policy is on potentially lost mail. I have made three suggestions including overnight mail, ach deposit or wire transfer and they are refusing.
|
| 02/23/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have spoken with this company on the following dates XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. These calls are happening during the time in the morning and afternoons. I have asked this company beginning on XX/XX/23 call to take me off the list along with the above dates after this and I got told by the representative from CCM ( Cross Country Mortgages ) that I will be taken off the call list and I have been still getting calls, they are happening more and more and they still don't listen. I have also told them I am not interested and take me off your list as I will never refinance at this point in time.
|
| 05/21/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I closed on my home in XX/XX/2022 using an FHA XXXX. During the process of closing, the loan officer ( XXXX XXXX from Cross Country Mortgage ) introduced me to a general contractor ( XXXX XXXX XXXX ), which at that time was the only option given to me by the loan officer.
I proceeded with the loan as my loan officer advised even after appraisal came shorter than the estimated loan amount.
Month later, I discovered that the general contractor was inexperienced ( in contrast to what I was told by the loan officer and the general contractor ). My project is at least 6 months behind and XXXX end up in foreclosure as the property is a XXXX family residence.
|
| 10/06/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/XXXX we mailed in our XXXX payment. XX/XX/XXXX they called and said they didn't receive it. So we mailed in another payment. XX/XX/XXXX they called and said they didn't receive either payment. We checked with the bank and nothing had gone through so we did a check by phone that they charged us {$9.00} to do. XX/XX/XXXX we mailed in our XXXX payment. Then we found out on the XXXX or XXXX that they processed 3 of the payments and overdraft our accounts. We put a stop payment on the other check. The phone in payment showed up on our bank statement as XXXX. They can't find that payment and I explained it to them a couple times. The payments are XXXX.
|
| 06/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American, Servicemember |
|
Cross country Mortgage have refused to issue a payoff letter so I can refinance my mortgage request. My loan officer was name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All I want is a payoff statement good for 15 days so I can close on my refinance. it is cost me {$3000.00} to do a rate extension due to them not issuing me the payoff. My lender XXXX XXXX has been trying to reach them for 30 days with no response. I have tried for 2 days with no return calls. something is not right. Please call me. XXXX XXXX XXXX
|
| 11/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
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|
They cancelled our first mortgage assistance request saying we didn't submit documents back in a timely manner. Everything that was requested when I received was submitted ASAP so that we didn't delay the process. I finally resubmitted our package and gave them all the docs they initially requested for but now they are saying it could take up to 30 days. We don't have 30 days before our mortgage goes delinquent. We just need some help and time to get back on our feet. I am starting a new job and my husband picked up a part time job to keep us afloat but if we can please get some help so we don't go into default, that would be greatly appreciated.
|
| 07/20/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Applied and approved for a bank statement loan to refinance my home. They approved the loan locked the rate at 3 % for a XXXX XXXX. and got an appraisal. On Friday, they told me that I will get the closing date, that never happened, instead, on Monday they called me to tell me that they had an issue in the system and they had mistakenly gave me the rate for conventional loan, for which I cant currently qualify. If I want to proceed, the rate will be 4 %.
This is a classic bait and switch, and flat out scam. I have documentation to support this.
Im asking you to suspend their license so that they cant harm other people.
Thanks R
|
| 04/27/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
The owe me escrow monies since I am a 100 % permanent and total XXXX veteran. They held onto a majority of it for months. I called daily, left emails. They never answered. They sent me some of the escrow money but continued to hold some even after the original letter from the city stating Im exempt from ALL property taxes. They said they sent it weeks ago the remaining balance of about {$270.00}. Along with that, the last two months the charged me over that amount on my mortgage so that amount does not make sense. I have tried so many times to contact them and they never answer. I do not recommend this company to ANYONE.
|
| 04/22/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have requested via email on the XXXX of XX/XX/2024 and again on the XXXX via email along with a follow up phone call on the XXXX to Cross Country Mortgage. I requested in writing the policy for removing PMI insurance. Our value is higher than the 20 % equity required to justify PMI, We have invested over XXXX into our home and would like to have the mortgage insurance removed since it is no longer applicable. The company has only responded with a letter acknowledging the request, but has not provided the information requested. I have come to the conclusion that they are attempting to prevent me from removing the PMI.
|
| 01/28/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
the processor who screwed up my file, XXXX was fired two days after his mistake.
The underwriter admitted they messed up as well as lender.
Should of advised me Bc I reached out to to 2 other lenders who were able to access the file in less that 2 hours and notify me that the loan could not be done Bc of the foreclosure.
I had a 21 financial contingency and because of their gross negligence the day before closing I was notified that i was not going to be able to close the next day. I lost my $ XXXX in earnest money and could be sued for more Bc of the sellers time wasted with property off market.
|
| 03/17/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have been approved for the Florida Homeowners Assistance Fund program in XX/XX/XXXX. I called XXXX on XX/XX/XXXX and was told my payment was sent to Cross Country Mortgage on XX/XX/XXXX. I called Cross Country Mortgage today XX/XX/XXXX to inquire about the FHAF payment and was told that they had not received it. In XXXX the payment was posted to my account with Cross Country on XX/XX/XXXX and XXXX payment was posted on XX/XX/XXXX. If they received my payment from XXXX, then the payment needs to be applied before my grace period ending date of the XXXX. I do not want to be charged a late fee.
|
| 08/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Servicemember |
|
Incorrectly filed my apartments mailing and physical address, has not corrected my information and is withholding taxes and insurance in escrow to include a refund which is owed. Theyve have made numerous errors during the communication process, they have incorrectly mailed a check to an incorrect address, they have incorrectly sent numerous mortgage statements to an incorrect address, they have misunderstood the request of an address correction for a common change of address. They failed to respond and communicate to the request in a timely fashion as this has been going on since XX/XX/2023.
|
| 04/18/2017 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I started my application with CrossCountry Mortgage XXXX of 2016. I thoug ht I was working with Sales Manager XXXX XXXX but I was instead passed off to other sales assistants that were not properly trained and did n't have answers. I was given incorrect information, ignored and disrespected to say the least. This would 've been my first home loan and I had lots of questions. When I was able to speak with the loan manager, she was rude, loud and unprofessional. Although I sent in everything I was suppose to, I was told that I threw them curve balls and that I should find another lender.
|
| 06/05/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Cross Country Mortgage made my home buying experience one of the worst experiences of my life. I was told that my taxes would be fixed to reflect that my property is my primary residence. Instead my mortgage was increased due to taxes within less than a year and I have yet to receive my exemption. I was told time and tone again that getting my tax exemption would not be an issue, but apparently that was a complete lie. Also as a first time buyer I didnt receive any grants. My down payment amount increased several including the day of closing. I wouldnt recommend anyone to use their services.
|
| 09/11/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Older American |
|
Last XXXX my mortgage company increased my escrow payment to {$410.00} per month. They stated my taxes and insurance went up. I contacted my insurance and yes it did go up, {$60.00} per year. But my taxes went down {$200.00} per year. I contacted my county tax assessor and got legal copies of the taxes assessed. I contacted my insurance and they told me I pay {$1300.00} per year insurance and taxes are {$1300.00} per year. Roughly {$2700.00} per year. But {$410.00} times 12 months is {$5000.00}. There is no way to justify the increase or even the previous charge which was {$300.00} a month.
|
| 03/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX, I checked my mailbox and I received a letter from my local tax office. I have a Mortgage with Cross Country Mortgage LLC. This company has not paid all of the property tax that was owed. I closed on the home XXXX, 2021. I have an escrow account. The money should have been paid. I pay my mortgage on time every month. I have called and sent an email with the statement. I have called multiple times and went to my local tax office. Each time that I call Cross Country Mortgage, C I am being told it has went to the escalation team but there is no payment sent. This unacceptable.
|
| 01/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Went into mortgage negotiations and was told XXXX % down required depending on appraisal. Appraisal came back above the sale price. Lender said only option was XXXX % down XXXX days before close. He had us raise the sale price to cover some closing costs but then did not increase the loan amount which cost is every dollar in savings. I spoke to the branch and regional manager and they said this was not preditory and said they would call back and have not. They tried to blame me, my wife, my credit, my property and said since this was my first time I misunderstood ...... no, they lied
|
| 12/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
Servicemember |
|
When I purchased my home in 2021 I was never provided loan payment options from the title company. After moving into the home I called my mortgage company cross country mortgage, and requested split payments be setup. To do so it required a {$150.00} process fee and an additional months rent up front. During this difficult process of setting up the split payment I missed a couple payments due to the fact it was never clear on when the automatic payments took effect or an easy way to setup. I just received notice XXXX XXXX years later that my automatic payments are being cancelled.
|
| 04/29/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Applied for a USDA loan with Cross Country Mtg. Was promised a call back 3 times ; never heard anything from the company. Also sent them a contact request through their company. We applied for a mortgage and was never sent any required disclosures or communication by law. Last time we contacted them was to get proof our information has been withdrawn from their system and we again were promised someone would call ... nothing. This company should be held responsible for their failure to provide the required information within 3 days of someone applying for a mortgage with them.
|
| 04/26/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Several weeks ago I went on XXXX to find a lender for a home equity loan. Since then I have been getting calls from Cross Country Mortgage, every. single. day. Except the weekends. I've told them I've already chosen another lender, yet they continue to call me. They're calling me from 3 different numbers and it's always the same automated message when I let it go to voicemail. This is really annoying and has been going on for weeks now, despite having blocked their numbers so the phone doesn't even ring. They just keep leaving voicemails that I have to manually delete..
|
| 07/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My name is XXXX XXXX and I have applied for a mortgage with Cross Country Mortgage. I have paid for an appraisal and I am trying to get it transferred to another company. I am getting nothing but the run around from any and everybody that I speak to at Cross Country. They had no problem taking my {$380.00} to cover the cost of the appraisal and now they are giving me the hardest time releasing the product to me that I paid for. This delay is costing me time, money and energy. I get transferred from one department to another with voicemail and no return calls.
|
| 12/08/2023 |
Yes |
- Mortgage
- Manufactured home loan
|
- Closing on a mortgage
- Changes in loan terms during or after closing
|
|
Web |
Older American |
|
Contract we signed with Cross Country Mortgage states payments during construction phase and first year may go as high as {$1200.00} and second year as high as {$2500.00}, years XXXX {$2400.00}. Most recent bill is {$1700.00}. The house is not complete. It is still under construction. It is still year 1. We have not assumed possession. We based our ability to buy this new residence on the quotes given us for monthly payments. Cross Country Mortgage is denying responsibility for the quoted rates stating is your agency that insisted they include the figures.
|
| 02/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I have a Cross Country Mortgage. I can not get their software to work to make a payment. I have been trying for weeks. Weeks ago they told me they knew of the problem and it would be fixed. It has not been fixed. The software does not accept my password, nor does it send a link to another email to re-set the password. I have tried countless times to re-set my password with no luck. They have turned my account over to a collection agency. Meanwhile, I tried phoning Cross Country Mortgage on their number XXXX. I get nothing but silence. This is unacceptable.
|
| 04/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
XXXX XXXX XXXX # XXXX made several materially false statements about his ability to offer a construction loan in order to secure my application. After receiving my application, he retracted all previous statements and informed me that he could not assist me. XXXX misrepresentations led me to apply with Cross Country XXXX # XXXX which negatively impacted my credit score and creditworthiness with other lenders. XXXX misrepresentations include : - credit score requirements - interest rate - cash at closing requirements - down payment requirements
|
| 02/23/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
We had some hardships between COVID and some medical issues. The value of our home is substantially more they what is owed on the home. Value is {$210000.00} we owe {$130000.00}. We have requested to have our PMI removed which would lower our monthly payment which would help us with being able to make the mortgage payments but the mortgage company is refusing. We have medical bills to pay and we are also adding more equity into the home by adding another bathroom and bedroom. We really would like the PMI removed to lower our monthly payment.
|
| 06/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I applied for a home refinance with this company 30 days ago, took all my private info And never called me back. Have attempted every phone and email with no response. I feel like this is a scammer.
Hi this is reaching out from CrossCountry Mortgage, LLC. We have tried a couple times to verify your information so we can send you a custom quote with no luck. Can you please call us back XXXX it will take 2 minutes tops.
XXXX XXXX This is the company and the agent I talk too.
XXXX XXXX Loan Originator XXXX XXXX XXXX XXXX XXXX XXXX
|
| 08/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
They have maliciously made sure to send the letter one day before the due date for the payment to be processed from my account. I have been approved for a forbearance and should not be charged until XXXX.
I had double checked with them twice in the beginning of this month and they had promised the payment wont be removed of my account.
I was lied and cheated.
I lost my job and we are struggling financially.
I have begged and pleaded both the mortgage company and my bank. No one is helping me.
Please help me and my family.
|
| 10/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I had the same loan with Crosscountry mortgage for over XXXX. XXXX months ago, they increased my escrow amount used to pay my property taxes and insurance by 64 %. However, my property taxes and insurance have not gone up. I tried calling them to get an explanation and they keep telling me there is a " shortfall '' but when I ask them for specifics on this " shortfall '' they refused to give my any information or evidence that the escrow expenses have went up by as much as they are saying. I am concerned I am the victim of a fraud.
|
| 10/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Servicemember |
|
Called to find out where to send form for exemption and was given the wrong email address. Had to locate correct email address on my own.
Submitted Homestead Exemption early in 2023. Received letter stating to wait for an update once document has been worked.
Resubmitted Homestead Exemption on XX/XX/XXXX. Received the same letter in the mail with no update, before or since.
Have used mortgage companies messaging system to submit request for update twice. Both requests were closed with no updates or response.
|
| 01/18/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I went to the property appraiser office and got the XXXX exemption for being a XXXX XXXX XXXX veteran, I sent the mortgage company the paperwork but they replied saying that that was only an estimate, I went back to the appraiser office and they told me that their answer was ridiculous because thats the only document they give everybody and if they have any question they could call them, then I proceed to call my bank and they just keep transferring my call. They also increase my payment due to the escrow.
|
| 09/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I XXXX a term regarding HELOC and sent the link with a definition to my husband. Somehow, a lender contacted my husband trying to make a sale. My husband stated " let me talk to my wife '' and ended the call. This lender, sent information to my husband regarding options and ran both of our credits on XX/XX/22.
I have never spoken to this gentleman to give him permission and my husband did not give permission either.
The persons name was XXXX XXXX ( Loan Officer ) with Cross Country Mortgage.
|
| 05/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I am writing to delete the following information in my file. The items I need deleted are listed in the report. XXXXCROSSCOUNTRY MORTGAGE, INQUIRY ON : XX/XX/2021. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
|
| 11/26/2023 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
Dear Cross Country Mortgage Team & XXXX XXXX XXXX.
We have submitted all the required information for the remodification and it was approved for the monthly payment of {$2800.00}. The new XXXX statement still shows the old {$3300.00}. The balance was moved to the back of the loan of {$17000.00}. ( MANY EMAILS SENT FOR CORRECTION ) Formal Request : A breakdown of what the {$17000.00} consists of An Updated XXXX statement showing XXXX balance and showing the correct monthly payment due.
|
| 10/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I took mortgage with crosscountry mortgage llc as participating in XXXX XXXX XXXX XXXX.
They issued property assessment on wrong property address ( there are 2 properties with the same address but different zip code ) I ask them to provide required property assessment on correct property they told me they do not require to do so.
After that they try to force me to sign change of mortgage to the wrong address, I refused.
I am still waiting for the proper assessment of the property.
|
| 02/04/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I work for a mortgage company. I have approved buyers to make offers and eventually buy and close on a home. They have made offers on a new house with a builder. This builder ( And others in the area ) are known to give incentives to buyers for using their lenders. Now, they are saying they will not even accept an offer unless the buyers use their preferred lender. This has to be discrimination?! And illegal. I have attached photos of text from the builder 's rep on XX/XX/22.
|
| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, this creditor ( XXXXXXXX XXXX XXXXXXXX ) has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681 section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
|
| 07/29/2019 |
Yes |
|
|
|
Web |
|
|
I applied for a refinance mortgage with cross country mortgage in XX/XX/XXXXof 2019 and it is the last week of XX/XX/XXXXand I still do not have an answer about my account, I have tried contacting the company and they refuse to take a phone call and or answer an email, I have since switched financial companies and they have contacted cross country mortgage to get my account numbers and everything switched into there name as so far they have refused to do so.
|
| 12/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
FOR XXXX YEARS AFTER FILING XXXX PROR COMPLAINTS WITH CFPB COUNTRY WIDE MORTGAGE HAS CONTINUED TO MISAPPLY MY PAYMENTS AND MOST RECENTLY APPLIED MY LARGE PAYMENT TO SOMEONE ELSES ACCOUNT. THEY HAVE CONTINUED TO FALSLEY REPORT LATE PAYMENTS TO THE CREDIT BUREUS AND I CONTUE TO SPEND HOURS WRITING LETTERS, SENDING COPIES OF CACELLED CKS, AND FINALLY CONTINUE TO NOT GET ANY RESULT THAT WOULD INDICATE THAT THESE MIS APPLIED PAYMENTS WOULD NOT LONGER CONTINUE.
|
| 04/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I noticed that my credit report shows an inquiry from a company I have no recollection of ever doing business with. I did not submit my information to have my credit Ran & I am so upset right now. The company name is CROSSCOUNTRY XXXX XXXX XXXX XXXX XXXXCROSSCOUNTRY MORTGA on XXXX. I am very selective of my credit being ran & I have no need for it to be run as I have everything that I need. Hopefully this company doesnt do this to others as its not right.
|
| 10/05/2023 |
Yes |
- Debt or credit management
- Mortgage modification or foreclosure avoidance
|
- Charged upfront or unexpected fees
|
|
Web |
|
|
A person called me claiming to work for my Mortgage company. He said I had negative escrow and needed to pay it asap to avoid foreclosure. After paying {$800.00} in visa gift card. He offered me a way to lower my monthly payment by {$500.00} by doing a mortgage modification. So I Paid the 3 trial payment of XXXX Then other fees for " paperwork '' 2026 and another thousand. Now I am getting late notices and am Behind on my mortgage. I lost close to XXXX
|
| 07/08/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
The septic inspection was conducted on Friday, XX/XX/2022. Please review the report summary ( three ( 3 ) pages ) below, as this report describes the current condition of the system. Based on the preliminary information that was provided and the information obtained from the field inspection, the whole system Unsatisfactory This condition observed can cause a backup into the home being served. The condition of this system should be corrected immediat
|
| 12/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I filled out a form for info about Cross Country Mortgage. I received a call advising of services offered. I decided not to move forward with their products and requested to be placed on their " do not call list ''. The company calls every day from a different number. Each time I answer the call and ask not to be called any more. I also block the number. They keep calling daily from a different number, in violation of my my multiple requests.
|
| 10/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 STATES " I HAVE THE RIGHT TO PRIVACY '' Under 15 USC 1681 section 604a section 2 " it also states a consumer reporting agency can not furnish an account without my written instructions '' 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
|
| 07/12/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Prior XXXX case XXXX that says money was sent back and to call title company there has been no funds received to date we have no contact information for any one and to date we still have not received the over XXXX the mortgage company owes us. We have usps informed delivery there is no possible chance it was delivered somewhere else so the mortgage company is holding over XXXX k from a refinance that we do not have we want that money
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.
15 USC 1681 section 602 states I have the right to privacy.
15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B ; A creditor may not treat a repayment on a credit card account under an end consumer credit plan as late for any purpose
|
| 05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I noticed that my XXXX credit report shows an inquiry from a company I have no recollection of ever doing business with. I did not submit my information to have my credit Ran & I am so upset right now. The company name is XXXXCROSSCOUNTRY MORTGA on XXXX. I am very selective of my credit being ran & I have no need for it to be run as I have everything that I need. Hopefully this company doesnt do this to others as its not right.
|
| 03/17/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I got behind in XXXX do to my mortgage goin from {$650.00} a month {$1200.00}. I had reach out to Cross Country Mortgage in was told they didn't know why it had want up. I then received a called by loan modification assisistancen though Cross Country mortgage in was told that i had to send my payment in a money order to a address that he would called with. I had sent him a few payments till he told me to use someone else name.
|
| 05/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In Accordance with the fair credit reporting at CROSSCOUNTRY MTG/XXXX # XXXX Has violet my rights 15 usc 1681 section 602 state I have right to privacy 15 USC 1681 section 604 A section 2 : Ut also state consumer reporting agency can not furnish a account without my writing instructions.
15 USC 1666B : A creditor may not treat a payment On mortgage account under or open end consumers credit plan as late for any purposes.
|
| 11/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I was misquoted mortgage refinance rate and fees associated with the residential transaction. When it came time to sign loan docs/application, the lender attempted to slip in {$3200.00} in " buy-down point fees '', not previously discussed.
Unfortunately this feels like fraud and I wonder how many other people missed these fine print details and are now stuck with paying thousands of extra dollars on their mortgages.
|
| 10/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Upon running my credit on XX/XX/19 and issuing a mortgage commitment and several closing dates and changing my mortgagee on my insurance. As of XXXX, In the midst of a pandemic and financial uncertainty, Cross Country Mortgaged, misled, mistreated and blatantly lied to me on multiple occasions. It saddens me that cross country has operated in such a manner. It has caused me over {$14000.00} in Out of Pocket expenses.
|
| 08/14/2023 |
Yes |
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with FCRA, this creditor has violated my rights. Under 15 USC 1681 sec 602 and the Privacy Act of 1974, states I have a right to privacy. 15 USC 1681 sec 604a ( 2 ), it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer plan as late for any purpose.
|
| 06/24/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Cross country mortgage have raised my mortgage XXXX XXXX dollars without my knowledge. They stop sending me bills after my grant was applied. They dont follow up on my calls and they denied access to my account online. All my grant money was not applied to my account. The havent sent monthly notices but has sent me foreclosure information. Has some issues in the past because i made complaints. Retaliation.
|
| 08/02/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
PLEASE SEE ATTACHED NOTICE OF ALLEGED BILLING ERRORDISPUTE, PAYEE IDENTIFICATION DISCREPANCIES, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES IN CONNECTION WITH PROPERTY OWNERS AND CONDOMINIUM UNIT ASSOCIATIONSACCOUNT NOS : XXXX, XXXX, AND XXXX, INSURED BY THE UNITED STATES FEDERAL GOVERNMENT [ AGENCY CASE NUMBER : XXXX ] AND RECEIVABLES. XXXX XXXX XXXX XXXX XX/XX/2023
|
| 11/12/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
|
|
Web |
Servicemember |
|
XXXX XXXX and CROSS COUNTRY MORTGAGE are complicit in another fraudulent mortgage lending error.
I was never provided anything close to a HUD-1 document at my closing.
There has been absolutely no communication from this lender or XXXX XXXX office.
They are in serious violation of regulation set in place specifically designed by the CFPB.
Please reprimand this felonious activity immediately.
|
| 04/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello, Right after my XX/XX/2022 payment of {$2100.00} was debited from my XXXX XXXX Bank account, I immediately logged onto my Cross Country mortgage on XX/XX/2022 to pay an additional {$500.00} to be added to the XX/XX/2022 payment ( so, an additional {$500.00} principal curtailment ). However, instead, {$2100.00} was withdrawn, and applied to my XX/XX/2022 payment ( advancing my next payment ).
|
| 10/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My online account was " migrated '' 4 months ago and since then I can not access my online account. Every month I have to call, explain my situation, and convince them to waive the phone payment fee.
I have tried to work with this company since XXXX of this year, over 8 times by contacting customer support, IT, etc. and they refuse to help or tell me the problem is fixed when it is not.
|
| 08/29/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I know that the XXXX branch of Cross Country Mortgage ( owned/run by XXXX XXXX XXXX, rather than using a secure XXXX network to transmit the MOST sensitive information possible, is routinely using the unsecured GUEST network of their neighbor, XXXX University XXXX XXXX, for all of their internet activity. The branch employees do n't even know the correct password to their own network.
|
| 08/02/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
PLEASE SEE ATTACHED NOTICE OF ALLEGED BILLING ERRORDISPUTE, PAYEE IDENTIFICATION DISCREPANCIES, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES IN CONNECTION WITH CONSUMER [ NONBANK ] MORTGAGE LOAN ACCOUNT XXXX. : XXXX AND XXXX, INSURED BY THE UNITED STATES FEDERAL GOVERNMENT [ AGENCY CASE NUMBER : XXXX AND RECEIVABLES. XXXX XXXX XXXX XXXX XX/XX/2023
|
| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Below inquiry do not belong to me. I have no accounts with Cross Country Mortgage or XXXX XXXX. To the best of my knowledge the below companies did not have my authorization to pull my credit.
XX/XX/2021 Institution Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/2021 Institution Information : XXXX XXXX No contact information has been reported by this creditor.
|
| 04/26/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I applied for a mortgage on XX/XX/2021. I submitted all requested information under the impression that I would receive a pre approval within 7 days. I have called the office and emailed them with no success. They gave me a hard inquiry on all 3 of my credit reports and failed to offer me a product, an approval or a denial. I want the inquiries removed from my credit report.
|
| 12/08/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
XX/XX/XXXX. My Covid forbearance ended on XX/XX/XXXX. I am requesting from my mortgage company for a Partial Claim through HUD. I can resume making my normal mortgage payments on XX/XX/XXXX as my financial situation is back to normal. I am getting several different answers regarding this information and worried it is not getting done.i attached my covid forbearance packet.
|
| 11/12/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
|
|
Web |
Servicemember |
|
XXXX XXXX and CROSS COUNTRY MORTGAGE are in violation of the TRID " 3 day disclosure rule '' I requested multiple time for my closing documents so that my attorney could review them.
Not only did i have to sign the closing documents under an amount of duress, because of my health, but i was in no way provided time to have an attorney over look the documents.
|
| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Under the code 15 usc 166b I have to be notified 21 days prior for a late payment to be reported late. I was charged a late payment fee and a late payment was illegally reported on my credit report. I would like them to abide by the law and remove the late payment off my credit. I have asked to be sent FULL accounting and have not received FULL accounting.
|
| 05/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
CrossCountry Mortgage recruiting mortgage loan officers advertising tne loan officer can make more money per product. Ie fha/va/conventional. This is an anti consumer promotion. Lenders have been restricted from selling this way.
I do not believe their policies of compensation are in compliance based upon their leading ads.
XXXX XXXX XXXXXXXX XXXX XXXX
|
| 03/24/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I informed the company that I was deciding on a home and waiting to have seller resolve repairs. Mortgage company went ahead and did an appraisal without confirming I was purchasing. I have an email stating that if I didnt take the home I would be refunded. XXXX reports that they have an email stating I was purchasing from my realtor but can not produce
|
| 09/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I applied for a forbearance due to COVID-19. CrossCountry Mortgage reported to all three credit bureaus the three months forbearance as late payments instead of affected by natural disaster.
Ive tried disputing four times and Ive called corporate office and customer service more than ten times and the issues has still NOT been resolved.
Please help!
|
| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
The mortgage company initiated a hard inquiry without authorization for a hard pull. I was advised by the agent that they remove the inquiry but still on my report. I called XXXX and XXXX but both refused to delete or remove the said inquiry from my credit. which is detrimental and damaging to my credit report. XXXX reported twice the inquiry.
|
| 01/31/2017 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Getting tired of Cross country mortgage and their XXXX controlling The mortgage market in the area I originate in I 'm being kicked out of these offices because of their agreements They refuse to let any other lenders or brokers on premesis with loan Programs XXXX of cross country mortgage sits in their offices daily XXXX is with XXXX and XXXX
|
| 07/30/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Back in XXXX we got infected with covid 19 as a result if that my children were not able to return to daycare because of health compromise of one of my kids my mom had to stay home i had to get money from my mortgage payments to pay behind bills of eater and vehicle paymments and to pay my Mother for taking care of them as why i fel behind
|
| 04/26/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American |
|
I applied for a refinance through CrossCountry Mortgage on XX/XX/2022. The loan officer in XXXX told me I didn't need to .are a payment on my original loan for .y refinance had gone through but was waiting on an appraisal which didn't come through until XX/XX/XXXX. Then they declined the loan. Putting me back a payment on my mortgage.
|
| 04/06/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
There are three attachments that should be reviewed here.
1. Attached letter for hardship sent to servicer 2. Copy of conversation with servicer that shows something got approved on XXXX 3. Letter to CrossCountry Mortgage about issues with their servicing company XXXX and lack of transparency for loss mitigation, it's a black box.
|
| 05/22/2021 |
No |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Hello, I paid off my loan with Cross Country Mortgage/XXXX XXXX in XXXX of 2021. Despite multiple calls to customer service, and after speaking with multiple service representatives and supervisors my $ XXXX escrow balance has not been refunded, and the lender has not provided any information regarding when I will receive my money.
|
| 04/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
I paid off my mortgage with Cross Country Mortgage on XX/XX/2023. I have not received any documents from them showing payment of my loan, including Deed of Reconveyance. I contacted them about 10 days ago and still no response.
I want to make sure that my loan payment is properly recorded and property is clear of any obligation.
|
| 04/10/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I requested to be off covid forbearance in XXXX. I Requested for a loan partial for a solution. I have made all my house payments from XXXX to XXXX. I have still not received loan partial docs from hud in the mail and it has been roughly 3 months. I'm starting to get really worried. Cross country keeps telling me a few weeks.
|
| 03/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
XXXX : XXXX/CROSSCOUNTRY MORTGAGE LLC ran a hard credit inquiry without my permission.
XXXX : I was informed of this check through Chase Bank credit monitoring.
XXXX : I sent a message to Crosscountry Mortgage, LLC through their website informing them that they conducted an unauthorized inquiry. Pending response.
|
| 04/10/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Information from credit report Loan Amount : Over XXXX Bank : XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX I called the phone number multiple times and no one has answered. I spoke with XXXX today, XXXX, and filed a dispute with them and they instructed me to also submit a claim with you.
|
| 06/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I want the balance to be reflected correctly ALWAYS. This issue has been disputed in XXXX and XXXX at least twice now. They find that CrossCountry is incorrect and then amend. Then a month or 2 later CrossCountry bumps the balance up several thousand dollars again. Each time causes a big hit to my credit score.
|
| 02/04/2021 |
No |
|
- Trouble during payment process
|
|
Web |
|
|
Company : Cross Country Mortgage.
I have been trying to have my Escrow account pay my supplemental tax with the surplus in Escrow for 3 months and continue to get ran in circles. I initially contacted them in XXXX and have called several times since and began emails in XXXX and still have no resolution.
|
| 01/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I am writing to you because you are reporting inquiries on my credit report that I do not recall.
Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.
|
| 10/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I had overage of {$5400.00} in my loan account XXXX and CrossCountry said they sent me a check of this balance, but I never got it. Im so XXXX of this company that I moved to another mortgage company. I got one check from my escrow balance when I closed my account but still missing the {$5400.00}!
|
| 05/20/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
CROSSCOUNTRY MTG/XXXX is showing on my credit report that I have a late payment, but my balance is up to date could you please remove this from my credit report because it's bringing my credit score down. I do not understand why I have a late payment showing when I am currently in good standings.
|
| 11/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Payment history should not have any payments showing late which was not late .Deferred payments should not be affecting my scores.
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX
|
| 06/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I looked at my credit report and saw the following inquires from the following companies that i did not authorize.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In Accordance with the Fair Reporting act XXXX Account, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 01/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I Made my Mortgage payoff on XXXX XXXX XXXX with crossCountry Mortgage, LLC.Three weeks later I was due to receive my escrow check, which has not happened despite having called several times abaut it.So far I ha e not recei ed a concrete answer, XXXX XXXX evasions and justifications.
|
| 06/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
|
| 10/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Hello, I received a Loan Estimate on XX/XX/21 and was told by the agent that rates have come down to 2.75.
I requested an update and the loan officer refuses to send me one until I am out of attorney review.
The company is Cross Country Mortgage.
|
| 11/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
|
| 04/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have hard inquiries that was not made by me or authorized by myself could be related as fraud XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020 Cross country Mortgage XXXX XXXX XXXX Cross Country Mortgage XXXX XXXX
|
| 01/21/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On the loan officers Crosscountry Mortgage XXXX page XXXX XXXX XXXX Mr XXXX XXXX posted a scenario with his rate and the rate of 4 competitors. I was concerned that he did not. Have any disclosure or give the APR.
|
| 01/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
They collected all of my information. Loan officer XXXX XXXX refuses to give me a loan estimate. I already got credit damage becayse they checked my credit report but they did not give me a loan estimate.
|
| 08/31/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
Got a VA loan in XX/XX/2021 with a payment of {$2200.00} now the mortgage company is changing to {$2400.00} due to a shortage in the escrow. I feel that we were enticed to a loan with a lower payment.
|
| 09/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
Loan officer knowingly processed a fraudulent loan application and directed appraisal company to mislead buyers and aid to processed fraudulent home appraisal and home loan.
|
| 02/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Upon checking credit I discovered that there are inquiries on my report that i did not authorize nor do I have any business with these compaines.
XXXX XXXX XXXX XXXX
|
| 10/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
I lost one of my main job that brings me good income and that has affected my income so I missed 2 payments of my mortgage and I got a letter from my mortgage company
|
| 03/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
There are a couple of recent pulls on my credit that I did not approve. XXXX/CROSSCOUNTRY MORTGAGE & XXXX XXXX I GAVE NO AUTHORIZATION FOR THESE PULLS.
|
| 04/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I never applied for mortgage. Our gave out any information to any lenders or banks to have them check my credit.
|
| 04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
THE FOLLOWING INQUIRIES WAS NOT AUTHORIZED BY ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 06/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I lost my wallet someone was trying to get credit cards in my name applying for all kinda stuff..
|
| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Inquires that I dont recognize need to be removed as I didnt authorize them
|
| 02/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Made an inquiry without my authorization
|
| 10/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I did not authorize this inquiry
|
| 01/29/2024 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Phone |
|
|
|
| 01/26/2024 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Application denials
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
|
- Closing on a mortgage
- Changes in loan terms during or after closing
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
Older American |
|
|
| 01/22/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Loan estimate or other related disclosures
|
|
Web |
Older American |
|
|
| 01/16/2024 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Mortgage
- Manufactured home loan
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
Older American |
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Phone |
|
|
|
| 01/09/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Trying to communicate with the company to fix an issue with the application process
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
|
|
Postal mail |
|
|
|
| 01/09/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Delays in the application process
|
|
Referral |
|
|
|
| 01/08/2024 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Application denials
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Servicemember |
|
|
| 12/28/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Changes in loan terms during the application process
|
|
Web |
Servicemember |
|
|
| 12/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
- Trying to communicate with the company to fix an issue with the application process
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
|
- Closing on a mortgage
- Setting up an escrow account for taxes and insurance
|
|
Web |
|
|
|
| 12/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Older American |
|
|
| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
|
| 11/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 11/28/2023 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Phone |
Servicemember |
|
|
| 11/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
|
| 11/24/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Changes in loan terms during the application process
|
|
Web |
|
|
|
| 11/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 11/06/2023 |
Yes |
|
- Closing on a mortgage
- Trying to communicate with the company to fix an issue with the loan closing
|
|
Web |
|
|
|
| 11/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 10/27/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Trying to communicate with the company to fix an issue with the application process
|
|
Web |
|
|
|
| 10/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 10/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
|
| 10/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 10/20/2023 |
Yes |
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Phone |
|
|
|
| 10/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
Older American, Servicemember |
|
|
| 10/12/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
|
| 10/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Changes in loan terms during the application process
|
|
Referral |
Servicemember |
|
|
| 10/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Changes in loan terms during the application process
|
|
Web |
|
|
|
| 09/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 09/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
|
| 09/08/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Confusing or misleading advertising or marketing
|
|
Web |
Servicemember |
|
|
| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 09/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 08/28/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Trying to communicate with the company to fix an issue with the application process
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/17/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 08/14/2023 |
Yes |
|
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 07/10/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 07/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/12/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/01/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
|
| 05/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/09/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 05/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 04/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/07/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/27/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/16/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/12/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/08/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/23/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/12/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/11/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 02/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 02/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 02/02/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/01/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
Older American |
|
|
| 01/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/14/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 01/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/12/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/05/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/03/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 11/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 11/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/26/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/24/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 10/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 10/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/13/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 10/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 10/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 09/14/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
|
| 09/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 09/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/29/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/08/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 08/08/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
|
| 08/05/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/15/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 07/04/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/29/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 06/22/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/21/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 06/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/02/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 05/10/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
Servicemember |
|
|
| 05/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/05/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 04/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 03/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/11/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 03/09/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/09/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/01/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/25/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 02/17/2022 |
Yes |
|
|
|
Web |
|
|
|
| 02/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American, Servicemember |
|
|
| 02/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 02/11/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 02/03/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/01/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
|
| 01/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 01/27/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
|
| 01/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 01/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 01/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 12/28/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 12/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/23/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 11/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 10/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 09/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/09/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 08/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 07/24/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 07/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 06/28/2021 |
No |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 06/24/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American |
|
|
| 06/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Referral |
|
|
|
| 05/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 05/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 04/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/16/2021 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/31/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/24/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/03/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 02/19/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 01/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 01/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 12/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/21/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American |
|
|
| 12/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/01/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 11/27/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 10/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 10/07/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/01/2020 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 07/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 06/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 06/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/28/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 05/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 05/12/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 04/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 02/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 12/16/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 12/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Postal mail |
|
|
|
| 11/11/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 10/24/2019 |
Yes |
|
|
|
Fax |
Older American, Servicemember |
|
|
| 06/18/2019 |
Yes |
|
|
|
Phone |
Older American |
|
|
| 05/31/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 05/28/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/08/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 02/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Fax |
|
|
|
| 11/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 10/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/02/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 08/16/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 08/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 06/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 02/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 01/16/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/20/2017 |
Yes |
|
|
|
Web |
|
|
|
| 12/12/2017 |
No |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/07/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 05/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 05/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Phone |
|
|
|
| 04/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 04/11/2017 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 01/12/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 11/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 11/02/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 09/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Phone |
|
|
|
| 09/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/08/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/20/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 04/20/2016 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
Older American |
|
|
| 04/12/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/06/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
Older American |
|
|
| 10/22/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/14/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 09/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/25/2015 |
No |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 07/21/2014 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 07/09/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/02/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 04/10/2013 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
|