FIRST COMMUNITY MORTGAGE, INC. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
04/05/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MO
  • 640XX
Web
Your previous questions asked about missing payments and in my case the answers provided werent applicable to my situation. I had been on a COVID forbearance with First Community Mortgage. When the forbearance ended I contacted First Community Mortgage by phone to resume my monthly payments ( {XXXX} ) - XX/XX/XXXX. During that call the representative asked me if my circumstances had improved and I stated that unfortunately I had become ill & was going to need surgery which would require me to take time off from my job. The representative proactively stated that FCM had a loss mitigation/loan modification program that might be of interest to me and continued to explain how the loan modification application process worked and then emailed me an application which I was to complete and return with my supporting documents ASAP, in an effort to have my application approved within the 30 days so that Id have my new modified loan amount figure for my XX/XX/XXXX payment. He did say that it could possibly take slightly more than 30 days but that Id definitely have the necessary info in time for my XX/XX/XXXX payment. Fast forward to today, XX/XX/XXXX. I have been not only been lied to on numerous occasions, I have been provided inaccurate & conflicting information, regarding documents received & not received. Representative after representative have been inconsistent in the information theyve given to me, stating they have all the required documents they need and I just need to wait for the final word, that they never received x, y, z and I need to submit those items, Ive been removed from the program, Im in the program, Ive been added back into the program, my application expired and I need to start the process all over again, I do not need to start the process all over again, I simply need to resend my initial application & put the current date, etc.. I began receiving certified letters in the fall of XXXX stating that I was in default of my loan and to call FCM. I would then call FCM & was told on multiple occasions to disregard the certified letters that these letters were automatically generated and that FCM was indeed aware that I was in the program. I continued to call both FCM & the loss mitigation/loan modification departments trying to get a straight answer from anyone. I eventually was told by FCM that Id need to speak to the loss mitigation/loan modification dept. ; theyd transfer me. Id then go through the entire story and they would say I needed to speak to FCM. I let them know that FCM actually just transferred me to them. I continued to call & email the loss mitigation/loan modification department on a regular basis. Every time I called I would be on hold for upwards of an hour or more, many times disconnected only to call back and be on hold for another hour plus before speaking to a live person. Then it would start all over again, I was told that my application was in the review process with the specialist assigned to my case, that she had reviewed it and it had been forwarded to the next tier in the process. To only be told when I would call back a few days later for a status update that in fact I was no longer in the program because I had not submitted the requested documents, or that I was in the program but they were only missing x, y, z, so to simply submit that document and thats all that was needed to complete the process. Time & time again after speaking with a representative I was told they were very sorry for all the confusion and for the way Id been treated. That theyd submit an internal complaint regarding these issues. I was also promised a multitude of times by these same representatives that they would personally put me on their watch list and follow up with me personally, often giving me their name, employee identification and phone extension. They explained it would typically take my appointed case specialist 24 hours to reply to the phone representativess email but regardless they would follow up with me even if it was to acknowledge the case specialist had received their email and then typically within 48 hours theyd have a reply detailing what was missing from my document submissions & an update to the status of my application approval. This went on for MONTHS and NO ONE EVERY FOLLOWED UP WITH ME AS PROMISED with the exception of 1 woman and she did follow up in XXXX after I emailed the loss mitigation/loan modification dept yet again explaining all of this over again & this time threatening to hire an attorney. This woman told me all I needed was to resend 3 pages from the application requiring signatures & update the previous application with the current date as well as page 2 ( signature page ) of my XXXX & XXXX tax returns. She would then follow up with me in 24 hours because it took the system 24 hours to add my submitted documents to my account but she assured me Id be on her watch list..I waited 4-5 weeks never hearing from her. I again called, asked for her by name & extension, emailed the given email contact address, stating her name, ID, etc., and still no reply from anyone. Finally apx 5 weeks after our 1st chat from XXXX I was able to reach her and she apologized, she had been off on FMLA & that was her 1st day back to work. Meanwhile Im still receiving certified letters informing me that Im in default but now these letters are making me aware that my house is going into foreclosure then followed by letters giving me an actual auction date. All this time Im still calling, emailing & jumping through all of the hoops thrown at me with regard to my partially incomplete application status - resulting from me not submitting the requested documents. Let me be very clear- I HAVE SUBMITTED EVERYTHING & THEN SOME that was on the application document checklist, in fact I proactively submitted documents, i.e. when I was approved from XXXX & received my award letter, my XXXX W2 before I completed my XXXX tax return followed by ongoing submissions of current back statements, home owners insurance changes, etc. I can not begin to tell you how many times I have submitted the exact same documents to these people only to have them confirm receipt, then mail me a packet asking me to submit that exact document ( s ). 2 weeks ago I called in yet again and the woman I spoke to informed me that she was a supervisor. Par for the course stated how sorry she was for the poor service & treatment Id been receiving, shed file an internal complaint & because she was a supervisor she was able to get things done that the regular representatives couldnt and she would put me on her watch list & follow up within 24 hours, then again in 48 hours. This time all that was missing & preventing the processing of my application was the total of household expenses from page 7 of my application. She stated that I had all the entries listed but that I failed to total up the column.once again, NOT TRUE. I was able to tell her the exact day & time that I submitted page 7 and what the total of that column was. She asked that I still resend it, which I did. I NEVER heard from this supervisor again. But I continued to email & call, asking for her extension and she was not available for a week. Then last Friday, a week later, I was finally going to be transferred to her after waiting on hold for 58 minutes, however I was told by the regular representative that the supervisor was unable to speak to me because her headset was broken. I asked that she be given a message, to please return my call by 4 oclock that day - giving her 7 hours to find a working headset and I never had a call. Interesting side note, during my conversation with this supervisor she mentioned that one of my previous applications had expired, implying I was at fault for not submitting it or the supporting documents in a timely manner. Once again, I was able to give dates & times for every submission at which time I asked her - how is it that I submit & do everything requested by me but because those individuals on your end that are supposed to be reviewing & processing that information dont complete their job within the required time period my application gets marked expired & out of date? She apologized and said, maam, Im sorry, unfortunately we are short staffed & do not have enough employees to return calls and process the incoming documents. So here we are, XX/XX/XXXX and I have been at this now since XX/XX/XXXX. I have documented how many times every document has been submitted & resubmitted. My house is set to be taken from me a week from today and as recent as Friday I received another packet asking for page 7 off the application & the 2 signature pages from my tax returns ; all of which have been submitted 5-6 times by now. Since my forbearance ended in XXXX I have never even received a monthly statement from FCM showing my pre-forbearance monthly payment amount. Out of desperation I contacted a branch of FCM in TN this morning and asked who they were regulated by & for their licensing #. It wasnt an hour later that the general council for First Community contacted me to apologize and said hed try to get to the bottom of this inexcusable situation and that the servicing company had been fired this past Friday. A lot of good that does me if its even true. In the meantime I am a single mother of 2 sons, with a 25 year career in medical sales, whos currently on XXXX until XX/XX/XXXX as a result from complications post XXXX, living in an upper class neighborhood outside XXXX and I have been inundated with strangers coming to my door at all hours, wanting to help me by buying my home, leaving notes in my door, calling, texting me nonstop and most disturbing walking around my home and discussing my foreclosure with my neighbors, asking which car I drive & if thats indicative of me being at home worst of all informing my son that his house is going to be taken away because his mom didnt pay her bills. You explain to me how its okay for a lender & their servicing department to offer assistance to their clients and then as a result of months of incompetence & negligence can force a family out of their home when the head of that family did everything right, everything that was asked of her. She was just desperately trying to find out what her new loan payment would be.
12/23/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TN
  • 37066
Web
Complaint against First Community Mortgage ( FCM ) : I have a mortgage loan with them. The loan was sold to XXXX ( XXXX ) on XX/XX/XXXX according to a XXXX phone representative. A little over a week later, after I had made one additional monthly regular payment and one additional principal only payment, I went into the FCM online system to check on my most recent payment and I saw that my balance was not correct. That's when I first learned about my loan being sold. The loan transfer was supposed to be effective and completely transferred by XX/XX/XXXX. FCM has set three additional deadlines they have failed to meet and today a phone representative apparently hung up on me ( sent me to phone survey, which hung up on me afterwards ) and a specialist who said she would at least provide me with an update by today has not done so as of 8PM. It is now XX/XX/XXXX, 61 inclusive days since the sale of the loan and FCM has not transferred two advance monthly payments I made to them. They also have not transferred {$3000.00} in principal only payments I made to them. They did transfer {$1000.00} in principal only ( plus {$2.00} I believe to be interest saved due to the principal payment ) that I paid them, however they transferred it as a paper check so that XXXX does not see that the principal only payment transferred should be dated back to the date I paid it, XX/XX/XXXX ( applied XX/XX/XXXX ). The reason this is a problem is because XXXX has not been paid the additional amounts I paid and I made a payment in the interim, which XXXX showed due since FCM has not transferred my advance payments. That payment made to XXXX and any additional monthly payments ( XXXX shows another due on XX/XX/XXXX ) are being charged the incorrect proportions ( too much interest and not enough principal ) based upon the incorrect principal balance the interest is being calculated from. FCM has reversed, reapplied, and re-reversed my payments. Some of the phone representatives tell me this is being done to put my advance/principal only payments into a suspense account so they can be transferred. They asked and I have told FCM I wanted my payments transferred reflecting the original payments. I do NOT want paper checks. I am working hard to make advance payments and I want my payments credited to the correct dates with the correct interest and principal amounts so that I save as much interest as possible. I'm afraid that when FCM finally does transfer my payments, that they will send the rest of them by paper check as well and I won't get the correct dates and principal amounts applied with the new loan company. The new company will then have to correct any interim payments, so that's another potential issue FCM has caused for me. There seems to be a lack of training at FCM when I'm told contradictory information by their phone representatives. And it certainly is not appropriate that they keep reversing my payments, showing incorrect status of my account. Not to mention that they have not transferred my hard-earned money 61 inclusive days after they sold my loan and 21 days after the transfer effective date. I'm also worried about the potential for incorrect statements for my taxes since it is just over a week before the end of the year. I was told I will be receiving tax statements from both companies, but neither company shows correct information at this time, both due to the failure of FCM to properly transfer my loan. I have made numerous calls to both FCM and XXXX to try to get this matter resolved. FCM has my payment history and they have the documentation they need. I have also provided XXXX with both the account payment history from FCM and my bank statements detailing how FCM has not transferred properly the payments that I made to them, which were deducted from my account. XXXX told me that they have sent an inquiry to FCM and had not received a response, I believe as of XX/XX/XXXX. I caution anyone who would consider obtaining a loan with First Community Mortgage. I'm trying to do right and pay down my mortgage loan and FCM has failed to properly transfer my loan after all of this time. Think about if they were holding onto thousands of dollars you paid and would not get the payments transferred after repeated phone calls over seven weeks. Besides that, of all the times I've called, I've spoken with just two people who seemed to understand that my loan should be transferred for the dates and correct principal amounts paid, rather than this suspense account with paper checks. I've been speaking with managers as the days continue to pass and some of them also talk about the suspense accounts, like it's okay that my payments are reversed rather than properly reflected. When I asked if there is anyone above a manager I could speak to, I was told there was not. That person did submit an elevated ticket, however the specialist said she would at least provide me with an update by today and did not. I feel that First Community Mortgage has completely failed me and has shown very little concern for doing so.
03/18/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33467
Web
I have a mortgage on my home held by First Community Mortgage. An escrow account was originally established for taxes and insurance. In early XXXX, I requested that the insurance obligation be removed from the escrow account and that lender permit me to make insurance payments directly. This was approved by the lender in XXXX, XXXX. I was advised at that time that the lender will be performing an escrow analysis and that the monthly amount required to be paid towards my monthly escrow would be reduced to remove the amount attributable to insurance ( approximately {$450.00} per month ) but that I needed to continue to pay this amount until the analysis was complete. In XXXX, XXXX, after not hearing anything from the lender, I contacted them again and requested an analysis review and a reduction so that I did not have to continue paying an amount for insurance. I was advised that the analysis would not be done until XXXX, XXXX. In the meantime, I continued to pay the excess of {$450.00} per month into my escrow account for the remainder of XXXX. In XXXX, XXXX, after not receiving an escrow analysis, I once again reached out to the lender and requested an escrow analysis. They acknowledged that their account reflected that the approval of the removal of insurance from escrow was approved in XXXX, XXXX and they did not know why an analysis was not immediately done when the insurance was removed. I was informed that the analysis would be requested and that I should have a response in approximately two weeks. Again, I was informed that in the meantime, I would have to continue to the entire escrow amount which included the portion for the insurance of approximately {$450.00} ( even though I had an escrow balance at this time with over a {$4000.00} surplus ). On XX/XX/XXXX, I contacted the lender again and they informed me that the analysis was not completed, that it should be coming sometime in XXXX, XXXX and again that I had to continue to pay the additional {$450.00}. After questioning them further, they advised that I would receive a refund of the surplus currently in the account. They advised that once the analysis was approved, I would have to continue to pay the surplus for approximately 2 months as it took time for they system to update. If I did not pay the amount including the insurance escrow, I could be charged a late fee. They confirmed that the refund of the surplus would not include the additional months required to be paid after the analysis was approved and that had to be done in the future by requesting another analysis. I asked to immediately speak to a supervisor and asked why it was taking so long ( almost a year at this time ) for the lender to do a simple analysis. She looked at my account and advised that an analysis stop had been placed on my account and she could not advise why but that I had to speak with customer service. The analysis stop prevented them from performing an analysis on my account. Customer service could also not advise why a stop had been placed on my account. I have never been late on a payment. He told me he had good news ; that the stop had been removed and that they could now move forward with an analysis. He also informed me that my loan was due to be sold and that they would try to finalize the analysis before the transfer of the loan. They could not guarantee that it would be accomplished and that I would not have to continue to pay the surplus escrow amount to the new lender. While on the phone with them on hold, I noted the provisions of XXXX relating to escrow agreements and the requirements under c ( ii ) which place limits on the amounts that could be charged during the life of an escrow account as well as section ( 3 ) relating to requirements for escrow account analysis to be conducted annually. My lender has been charging me and continues to charge me an extra {$450.00} a month for services they are not providing and have not provided in over a year relating to my escrow account and has cause me tremendous financial stress since I have in effect had to pay for my insurance twice each year ( once to the lender and once to the insurance company ).
04/16/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IL
  • XXXXX
Web Servicemember
I fell behind on my payments when my hours were cut at work. I knew I could catch up again after my tax return arrived. I received one phone call a month from the mortgage company that left a message. The person whispered the message that was not able to be understood. I did not know who to return a call to. I tried the loss mitigation process once before and it piled up endless fees and led to harassing phone calls and being yelled at, insulted, intimidation tactics, and peculiar questioning. No one was able to tell me what those late fees were at that time either. I could not log in to my account. On XX/XX/XXXX I received a certified letter stating that for reinstatement to pay XXXX. That same day I went to the bank, purchased a bank check for the exact amount, went to the post office and sent it priority mail to arrive XX/XX/XXXX. OnXX/XX/XXXX a person from XXXX XXXX phoned me and I told her I sent the amount in the letter XX/XX/XXXX. She then stated an amount very different from what was in the letter the day before. I told her that I sent the exact amount that was stated in the letter. She told me it brought me to XX/XX/XXXX payment due and asked me when I would be able to pay this. I told her I would pay it before the end of the month and the late fees. She said that would be fine since my account had not been assigned to an attorney. On XX/XX/XXXX I received a letter and a paper for an Automated Property service on my property. They are charging me {$14.00} for this. On XX/XX/ I received another one of their letters stating they received my funds but because they have accelerated my loan and the payment was insufficient to pay what is owned on the loan or reinstate the loan, they are continuing with the foreclosure. Nothing has ever given me a date or time frame and what is lacking in fees is never stated. I then went to see if I could access my account, this time it let me in so I could see if I can find out what these fees were. I was then going to go in on XX/XX/XXXX to pay them. When I got off the phone with a CFPB representative to do so, XXXX XXXX has taken away my ability to pay it online since last night ( XX/XX/XXXX ). I also sent them an email that has not been given a response other than locking me out of my ability to make a payment. At this time I found the fees that I owe that are {$120.00}. It shows Late charge assessment- {$95.00} and Property Inspection Fee- {$28.00}. However, as I said earlier, they have locked me out of my account as of today XX/XX/XXXX so I can not pay this fee or my mortgage for XX/XX/XXXX Of {$930.00}. On XX/XX/XXXX I received the same letter as on XX/XX/XXXX by certified mail. They are intending to foreclose on my property for the fees they refused to share with me in the amount of {$120.00}. I sent them the email to see if they would tell me what it was, but I did my own digging around to find them myself. I know this is not legal for them to withhold information and threaten a foreclosure. Then after I go in to find the information they lock me out of my account so I can not make a payment. I do not understand how they can withhold this information and do a foreclosure for such a small amount. I just have my current months mortgage payment to pay and their hidden fees. I also do not understand how they can charge {$14.00} for printing out a piece of paper and call it a Property Inspection Fee, and charge me the same amount each month.
06/08/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • AL
  • 35758
Web
On or about XXXX XXXX , XXXX , I received a phone call from XXXX XXXX , a loan officer with my existing mortgage holder , First Community Mort gage. He wanted to chat with me about refinancing my loan and emphasized that there would be little cost to refinance. He also asked if I would be interested in folding in my 2nd mortgage as well. I told him yes, so we go the process started. He sent me the proposed terms as follows : 30 year fixed at 4.375 % with XXXX points Total cost financed with be only XXXX , which with the skipped payment and savings are recouped in 4 months. Payment with Tax and Insurance will be XXXX per month. This loan will payoff both the first and the second loan and will save you XXXX per month. As per our conversation, if you took that savings and added it back to the loan, you will payoff the home in 20 years on the dot.

I provided the appropriate information, signed the first disclosure of the loan terms, and paid for an appraisal, etc.

On XX/XX/XXXX , I was notified that a XXXX XXXX was taking over the processing of my loan. He sent a second disclosure in which the terms of the loan had changed and there was a higher closing cost involved. I wrote to him and said I had questions. Meantime, there were a series of calls asking for letters from my second mortgage holder, a request to have a conference call with the 2nd to get payoff, etc. For a period of time, I could not get in touch with XXXX , he indicated he had been out of the office for a while. On XX/XX/XXXX , I provided another form required for the loan. On or about XX/XX/XXXX , a third disclosure came which raised the closing cost to over {$6000.00} to be added into the loan. I wrote to XXXX and said I could not go through with the loan with these terms, it would not be prudent. He said he would check on it. He wrote to me on XX/XX/XXXX with the following information : It looks like because of the rate extension, it wiped away any lender credits associated with the loan. I can go ahead and withdraw the loan, if that is what you are still wanting?

No one ever disclosed to me that they had to do a rate extension and that it would have ramifications to the terms of the loan. In the end, I asked for my money back that I spent on the appraisal. I was solicited with a good offer, then because the process was not followed through with and there were delays, the terms changed and I am out over {$450.00}.

This was a bate and switch.

08/19/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • XXXXX
Web Servicemember
Overall closing went well for me, however during the transfer to another mortgage lender the company refused to take my payment before the servicing was transferred and then proceeded to expedite my transfer, thus terminating my account and canceling my payment. On XX/XX/XXXX I received a letter that the servicing of my mortgage load is being transferred and would be effective coming XX/XX/2021. And that I was to pay the the other company starting on XXXX XXXX. The letter clearly states " First Community Mortgage , Inc. ( " Present Servicer '' ), is now collecting your payments and will stop accepting payments received from you after XX/XX/2021. Y '' which is then followed by " ... ( " New Servicer '' ), and will begin accepting payments on or after XX/XX/2021. '' This would indicate that I could pay my bill early this month through FCM ( First Community Mortgage ) and not have to deal with the hassle of trying to pay a bill on the day that my service is transferred over on the XXXX of XXXX to the new mortgage company. I attempted to pay my bill on the on the XXXX of XXXX. I received a confirmation email that the one time draft activation had occurred. However I received a call from a restricted number on the afternoon of the XXXX of XXXX from a man who said his name was XXXX that my payment did not go through. I asked what the reason was and he wouldn't really give me an answer of what happened but did let me know that he would put in the comments of the tracking of this payment that I had been called. I checked with my bank and I had the appropriate funds for the payment so I went back to the FCM dashboard to see that " Loan removed due to release '' had occurred on the XXXX of XXXX. This is a full 13 days early to the transfer that was listed on the letter I received on the XXXX of XXXX. I attempted to call the customer service line and the person I spoke to was very kind but unable to do anything and said there was no history of my attempted payment and that I had already been transferred. I voiced my concerns there however there is nothing they were able to do. This complete negligence regarding abiding to transfer dates they previously provided consumers is deplorable and unacceptable business practice for any company.
06/22/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TN
  • 37027
Web Servicemember
The mortgage company I am filing this complaint is First Community Mortgage Company. The Loan # is XXXX. The mailing address is XXXX XXXX XXXX XXXX XXXX, TN XXXX. The phone number ( XXXX ) XXXX The email address is XXXX On XX/XX/2022, I accidentally made two mortgage payments. When I really the mistake I called the mortgage company and requested a refund. The person that I spoke with confirm the two payments were posted. The person with the mortgage company went on to say that I needed to go to my online bank account and download a pdf file showing that the funds came from this account. I stated to the mortgage person that what she was requesting didn't make since because she stated the funds was posted. She went on to say that this was the only way a refund would be allow. I went on my online bank account and couldn't find what she had requested in the download pdf file with my XXXX XXXX XXXX account. The next day XX/XX/XXXX I call XXXX XXXX XXXX to assist me in this matter. The XXXX XXXX XXXX person was unable to find what was requested of the mortgage company. During my conversation with the bank employee that we decided to call the mortgage company for farther assistance. The mortgage company employee told my bank person the same request. The bank employee informed the mortgage person that a pdf file couldn't be done and that would a fax copy be acceptable and she said yes. The bank employee sent the fax while we were still talking to the mortgage company employee. Yesterday XX/XX/XXXX, I received a call from the mortgage company saying that a refund would not be paid until they received the pdf file from my online bank accounts. I informed her that I had gone through this 2 weeks ago and that my bank to talk to their mortgage company. She said without the pdf file email to them no refund of funds will be paid. I have been paying this mortgage the same way online for years. XXXX XXXX XXXX is the only bank that I have in which to pay my mortgage. This is crazy, the mortgage have the proof that I made the two payments but refuse to refund me the overpayment.
05/27/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AL
  • XXXXX
Web Older American
I entered into a mortgage with First Community Mortgage also known as " AKA FCM '' on XXXX, XXXX. XXXX. My payment was {$600.00} which I paid until XXXX of XXXX. At the end of XX/XX/XXXX I received a statement from FCM stating my mortgage payment would be {$620.00} due to escrow. I contacted my insurance company to find out if my insurance went up. I was told NO that actually it went down {$68.00}. I then called XXXX XXXX Al. to find out if my taxes had gone up. I was told no that because i was XXXX I was tax exempt. I called the mortgage company in XXXX and told them that I was tax Exempt. And XXXX XXXX Al. attempted on 3 occasions to send FCM the verification of the tax exemption. On the 3rd time via a fax number XXXX XXXX was finally able to reach the tax dept for FCM. I have paid {$620.00} XXXX, XXXX, XXXX. I received a notice that my payment had been reduced to {$570.00} after I had made the XXXX payment. Since I received the notice that my mortgage was reduced due to being tax exempt I have asked to be reimbursed the over payment amount and they have refused stating any over payment i made was applied to principle which is not true for XXXX or XXXX. On my statement with a payment date of XXXX XXXX Is the first time Ive seen a '' PRINCIPLE CURTAILMENT '' in the amount of XXXX. I did not ask that {$49.00} overpayment for XXXX to be applied to principle, nor have I asked that any additional money I was told I HAD to pay be applied to anything. Ive ask for a refund. I have been asking for all overpayments to be sent back to me since XXXX. They did send a check to me for XXXX XX/XX/XXXX stating that was from overage from escrow account. This does not address the overpayment amounts. I am a older XXXX woman I live on a budget XXXX a month is a lot of money. I need help. I have documents. I can send but dont know how to upload. Please respond. XXXX phone number XXXX. Thank You
02/10/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 330XX
Web
Myself and my family are victims of Hurrican Irma in the Florida XXXX, My Insurance company was slow to pay and when they did all of the contractors are on a 6 month or more waiting list. I can do the repairs myself and elected to do ( it is my right in FL ) so as it would be over a year since the hurricane hit before our house would be repaired, which is unacceptable to me due to the presence of black mold in the house. I sent two checks to my mortgage company one for XXXX XXXX and another for XXXX XXXX a little while later, in which they assured me that they would send it back in draws. They applied the XXXX XXXX dollar check to my loan and then told me I would have to complete all repairs with my money before they would send me any of the XXXX XXXX and that I would have to submit receipts to get any of that. I asked them what would happen with the remainder should I complete the repairs below the amount paid by the insurance company and I did not get a clear answer, I get the feeling they are acting in bad faith and again plan to apply that remaining amount to my mortgage. Meanwhile I am scraping ever cent I can together, with each paycheck to try and repair this place. This is not fair and it is further victimizing people that have had their life devastate. My mortgage company goes by the name Human Mortgage but they are actually First Community Mortgage, the contact info I have for them is XXXX and I have to send emails attention XXXX to get the attention of my case manager.
06/16/2017 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • GA
  • 30213
Web
I applied for an FHA Home loan with First Community Mortgage Inc. on XX/XX/XXXX . The Lender that responded back was XXXX XXXX ( NMLS Originator ID Number XXXX ). After XXXX XXXX and I had been in contact with each other about moving forward with the home loan process, and myself needing to do somethings in order to move forward. I finally received my pre approval letter for a loan amount of {$190000.00} from XXXX XXXX on XX/XX/XXXX , and it stated that I had 90 days to purchase my home or I would have to restart the process after the 90 days. I started my search for my new home, and i was lucky enough to find one on XX/XX/XXXX , and put a pending contract on it. I put my earnest money down and paid to have the home inspected, after being in contact with XXXX XXXX , he had me signing my loan documents, sending authorizations for the appraisal, and sending in documentations of my down payment, bank statements, Social security card, Drivers License all for me to receive a letter form XXXX XXXX , whom I do not know or have ever met or spoke to ever, to send me a letter and say that my loan was denied on XX/XX/XXXX . After I had paid and invested my time and money. I was totally devastated and and broken from this loss. I invested and loss my time and money during this unjustifiable situation. I have all of my documentations, and correspondence from this transaction.
06/30/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • DC
  • 20002
Web
XXXX XXXX Mortgage and I agreed to a forbearance on my mortgage, then around XX/XX/2020 we agreed to defer the forbearance amount to the end of the life of the loan. Recently I tried to apply for refinancing and credit, shocked to learn that I am unable to be approved for anything because they think I am overdue/late on my mortgage. I investigated and saw that my mortgage statement was showing that I was overdue since XXXX, even though I have been paying FCM every single month on time since XX/XX/2020. The statement even goes to say that if they don't receive the lump sum payment in the amount that I have already been paying them since XXXX, they will assess a fee charge. I called and FCM said they don't handle this since it is now with the " Loss Mitigation Department ''. I called Loss a several time and the only not so reassuring responses I could get every time was that they are " backlogged '' and " hope to have it solved sometimes XXXX ''. That is highly unprofessional and causing me financial losses in the moment when refinancing rates are at its lowest, I am unable to refinance based on something that should have been resolved by XXXX at the latest by FCM. They refused to acknowledge their lack of attention to this matter and the ramifications it has caused upon me.
04/30/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IL
  • 62002
Web Servicemember
I have been in this situation for a year, it started with local flooding that put me out of work for months. I had just entered a full time position at my workplace that put me in a position of getting caught up and covid happened. I did not expect to be out of work for 7 months. In XX/XX/XXXX I spoke with a person from my mortgage company and she did not offer me any options other than pay my mortgage current. I keep getting letters of acceleration and charged interest during covid. I then got a new job and was injured. I have been out of work since XX/XX/XXXX. I saw a tv excerpt about know your rights and went on there and found out that I should have been given options a year ago. I was defeated seeing this. My mortgage company charges me interest and other fees for property assessment. My mortgage company calls me endlessly and at all hours and days. I did file for a covid hardship forbearance and I am still waiting to hear from them. I am upset that they could have helped me a long time ago and did not offer anything other than shaming me or blaming me. I just want to get this back on track again. Had covid not taken my job I would not even be to the point I am at again. I would have been caught back up and stayed on track.
06/30/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33573
Web
We closed on loan in XX/XX/XXXX with First Community Mortgage , Inc ( FCM ), c/o XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX Made first payment of {$2000.00} on XX/XX/XXXX - Withdrawn from our bank account on XX/XX/XXXX. XXXX Loan was transferred to new servicer effective XX/XX/XXXX. Got a letter in the mail dated XXXX XX/XX/XXXX from new servicer stating our 'mortgage payment which was due on XX/XX/XXXX was seventeen days late. ' New servicer received escrow, but not initial payment of {$2000.00} Contacted previous servicer ( FCM ) multiple times on the matter, to have {$2000.00} transferred to new servicer ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Have been informed of the following when we called. XXXX Not sure why funds are being held. ( XX/XX/XXXX ). XXXX Funds are being held because payment was made too early. * Payment will be sent out within THIRTY days. ( XX/XX/XXXX ). * Payment has been wire transferred, give it seven to ten business days ( XX/XX/XXXX ). * Will fill out form to escalate problem for it to be researched as funds were not transferred ( XX/XX/XXXX ). It has been over sixty days and funds have not been refunded/transferred. Please direct accordingly.
04/08/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AR
  • 72104
Web
My loan was recently transferred to another processing company for First Community Mortgage. I mailed in my first payment to XXXX, as directed in the letter I received regarding the transfer. The payment cleared my account on XX/XX/2022. I have called the processor 4 times to ensure that my payment was processed correctly. I have been informed that there is no action I can take to ensure that the payment can be applied correctly until the end of the month. In fact, each time I have called, a customer service rep has informed me that I have a payment due on the first of XXXX. I spoke with a customer service supervisor named XXXX on XX/XX/XXXX and was informed that I have no ability to speak to anyone over him to ensure that the payment is applied correctly. He would not give me any information on who his supervisor is, when the supervisor would be coming to work, or even just the ability to leave a voicemail for his supervisor. Each time I called this company I was given different information as to when the payment would be credited to my account. It concerns me that there is no redress for poor customer service with First Community Mortgage and their processing system. Thank you for your time, XXXX XXXX ( XXXX ) XXXX
05/02/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • 80206
Web
I was notified that servicing for my loan was being transferred on XX/XX/2022 and that my current servicer would no longer be accepting payments from me. I was instructed to contact the new servicer to setup a new recurring payment, which I have done so. The first payment was to take effect for the XX/XX/2022 due date. The old servicer has continued to deduct the payment from my account via XXXX. This resulted in another debit from my bank account on XX/XX/2022 nearly a month after the servicing transfer. Unfortunately, the new servicer also processed a payment leaving my bank account overdrawn. When I contacted the old servicer, which took over an hour to even reach someone, I was told that this shouldn't have happened. But it did. The representative was unable to provide additional asssitance or help other than to " contact their research team '' to see what happened. I'm still left out the ~ {$2500.00} from this payment and have not been provided any resolution. This is unacceptable. If I failed to make a payment or made a late payment I get racked with fees ; however, the servicer here has withdrawn funds they are not entitled to yet there are no consequences.
01/31/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 306XX
Web
First Community Mortgage is the Servicing company for my Mortgage. On XX/XX/XXXX, they without my knowledge or permission dispersed escrow money, in the amount of about {$750.00} dollars to an unauthorized person. This act not only puts my escrow money in jeopardy, in that the insurance payment for the authorized agency is not available. But what also concerns me, is this a security breach in their procedures of save keeping of my money. I want to insure that this NEVER happens again. Location : First Community Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX
01/18/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 20105
Web
First Community Mortgage paid my county real estate taxes late resulting in a late fee + interest payment of {$440.00}. When I called them the customer service rep on the phone acted like it was my fault even though I have an escrow account. This has blemished our public record on the public XXXX County website for anyone to see that looks our property up online and may have put a blemish on our credit.
10/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 307XX
Web Older American
Credit report reflects Balance owed on home Mortgage loan which was paid Off cash in full.
01/05/2024 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • FL
  • 337XX
Web
01/05/2024 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Trying to communicate with the company to fix an issue while managing or servicing your loan
  • FL
  • 337XX
Web
06/21/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 32404
Web Servicemember
02/08/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • TN
  • 37086
Web
10/04/2022 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
  • TN
  • 37076
Web
03/17/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TN
  • 37303
Referral
03/06/2020 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
  • TN
  • 38474
Web
03/06/2020 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
  • TN
  • 37206
Web
05/01/2019 Yes
  • Mortgage
  • VA mortgage
  • Closing on a mortgage
Phone Servicemember
09/14/2018 No
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • TN
  • 37075
Web
01/03/2018 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TN
  • 37312
Fax
07/21/2017 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • GA
  • 30213
Referral
02/10/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • IN
  • 46038
Web
10/18/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • WV
  • 25304
Web
08/27/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • TN
  • 37013
Web Older American
10/07/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Making/receiving payments, sending money
  • CO
  • 80136
Web
03/19/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • GA
  • 30117
Web Older American