| 06/06/2016 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
During the month of XXXX, I was out of the XXXX in XXXX for work for the month. Prior to leaving the country, I mailed XXXX checks to First Mortgage dated for the months of XXXX and XXXX 's mortgage payments. However, upon returning from XXXX, I learned that the XXXX checks that I mailed to First Mortgage were not deposited. I contacted First Mortgage and was advised by the customer service agent that First Mortgage had sold their loans to another vendor and I would be in contacted by the company if there were any issues with my payments during the transition payment. The customer service agent assured me that if I had n't already been notified of the transition, I would be soon and that there was a slight delay in the processing of payments and that as long as my check as dated accordingly no late payment ( s ) would be noted to my account. Under these instructions, I continued to monitor my account to make sure the payments posted accordingly. Please note during the month of XXXX or XXXX, I did not receive any notification that XXXX Mortgage had taken over my account from First Mortgage or that we were late on our XXXX and XXXX payments.
As the XXXX month end approached, we noticed that the payments had not posted to the account and we contacted First Mortgage, only to be redirected via the call tree to XXXX Mortgage to reconcile the outstanding balance on the account. Once learning that the payments were not applied to the account, we immediately cancelled our previous checks ( there was a {$10.00} fee to XXXX XXXX XXXX for XXXX checks ) that were sent to First Mortgage and made payments to XXXX Mortgage for the outstanding balance ( which was not late with XXXX Mortgage ) on the same day. We were also advised that there would be no negative late payments to the account as this was an issue that multiple account holders were experiencing and because of the miscommunication/confusion during the transition.
Unfortunately, it was brought to our attention after running a recent credit report that our last payment with First Mortgage/first payment with XXXX Mortgage ( still confused as its XXXX with XXXX credit firm and another month with another firm ) was documented as late payment negatively impacting our credit score. It was my understanding at the time that we made payment that there would be no negative report made to our account or credit due to the confusion of a lost payment during the transition from XXXX mortgage company to another.
We are able to provide any work travel or bank documentation ( i.e. check cancellation, etc. ) as verification during these events to assist in reviewing and granting this approval to remove the negative report from our account/credit.
|
| 01/04/2016 |
No |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
To whom it concerns, my husband and I tried to purchase a home and have been deeply hurt. XXXX XXXX XXXX was our Realtor and Mortgage and XXXX XXXX was the Broker ( XXXX XXXX XXXX XXXX XXXX ) ( although we never met the Broker ). We proceeded to follow through with the contract ( XXXX XXXX XXXX Tx XXXX ) and put up the honest money {$1000.00} to XXXX XXXX. On the contract it stated that its not subject to buyer being approved for finance and it does not involve FHA or VA Finance on page XXXX # XXXX fin. a and d ; This was a FHA loan. We had to give additional {$1000.00} to the sellers made out directly to them and {$200.00} option fee made out directly to the sellers ( XXXX XXXX XXXX, XXXX XXXX XXXX ). The house was inspected {$350.00} and it passed inspection. We ask our agent to make sure that we get our money back if things do n't work out and please do n't let any time lapse. He assured us of this and in returned he stated that the sellers requested and additional {$1000.00} made out to them because underwriting was taken too long and it would go over the time. XXXX XXXX came to us and told us we were not approved and that we also lost all of our money. He then put a contract on another house XXXX XXXX XXXX XXXX XXXX, Tx XXXX ) where we had to put down honest money of {$500.00} with XXXX XXXX XXXX ) and {$100.00} option fee and to have the inspection done within 5 days which cost XXXX the first time and an additional {$200.00} the second time because the house did n't pass inspection because there were no fire detectors in each room which we had to purchase and put in before they could move forward. I really feel that we have been taken for our hard earned money and the Realtor, Broker and Title Companies are all bogus. I really feel no one was honest and had our best interest at heart. We as new buyers are relying on agents to be honest and explain in detail so that we have clear understanding and feel comfortable and safe with their decisions but this is one case that have us afraid to trust any agent or broker.
|
| 04/19/2016 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have had nothing but bad service with First Mortgage Corporation ( " FMC '' ). A few months ago I was told they sold my loan to another servicer. I began calling the other servicer for an address to send my payment. They told me they did not have me in their system. Finally after calling for a FULL month, I called FMC and was told that my loan was NOT sold and it was still with them.
Fast forward to XXXX XXXX, 2016. I was told again that my loan was being sold to another servicer. I went ahead and paid the XXXX payment to FMC to avoid the issue of waiting for an address to mail the payment to the new servicer. I then on XXXX XXXX received a notice in the mail from the treasury department telling me that my taxes were never paid in XXXX and that they would be publishing my information if it was not paid by XXXX XXXX. I called FMC and left a voicemail and said that my taxes were not paid and for someone to call me. I never received a call back. I then began calling the new servicer to let them know of the tax situation and was told that my loan information has to be in their system before they can do anything about the taxes. I have been calling for weeks and my loan is still not in their system. I began to wonder if my loan was transferred or if I was again told that it was sold but it actually was not. I again called this morning to FMC and received a voicemail over and over again. Unless I know an extension I have no one to talk to. I do n't want to pay my taxes directly as I have already paid it in my mortgage.
|
| 08/22/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I called my mortgage company to make my regular monthly payment they advised me that there were late fees on the account I advise them I was unable to pay any at this time I needed to make my regular monthly mortgage payment they started arguing with me that I needed to start paying my late fees right away and since I was refusing to set up the late charges they were n't going to take my paymentthe representative said let me get you over to my manager since your not wanting to address for paying your late fees. I advise the representative that I am one person supporting XXXX people and that it would be nice if when I call to make my mortgage payment they do n't give me such a hard About late fees I will pay the when I can and today I was unable. the rep made sure to advise me that if I did not pay the late charges that they would refuse the payment and not allow me to make my mortgage Payment. with FHA loans at day XXXX the investor locks out accounts until the total amount due is paid the rep advised me that their own policy was once you go over XXXX in late fees I have to pay them or they would refuse my payment so XXXX mortg corp would put XXXX people out on the street for {$250.00} dollars? That sounds and is absolutely absurd what is XXXX dollars over 30 years? I 'm paying before the end of the month each month because that 's how I get paid not because I 'm a deadbeat or want to encure late fees. Every time i call this company its a fight to pay my mortgage. It should n't be.
|
| 09/19/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We refinanced and obtained a mortgage through First Mortgage Corportion with a first payment due XXXX/XXXX/15. On XXXX/XXXX/15 we recieved a letter from First Mortgage Corportion that our loan had been transfered to XXXX XXXX and that all payments starting XXXX/XXXX/15 should be made to the new servicer and the new loan number and payment address was included. All payments since then have been made to freedom mortgage and our loan as well as all escrow funds were transfered over sucessfully. We are now receiving collection notices from First Mortgage Corportion threatening forclosure. I did speak with a collection rep late XXXX when they called me at my place of employment and advised them of the letter I recieved and that on time payments have been made to freedom mortgage. The rep apologized for the mix up and said they would contact The new mortgage servicer to verify that payments had been made. I assumed that they had done that and closed out their records. Until XXXX/XXXX/15 when I recieved a letter dated XXXX/XXXX/15 threatening forclosure if payments for XXXX and XXXX are not made in addition to hefty fees that have been added. The payments for XXXX and XXXX have been made on time to XXXX XXXX. Just like First Mortgage Corportion requested in their letter dated XXXX/XXXX/15. What they are doing can not be legal
|
| 01/15/2016 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I purchased a home XXXX/XXXX/XXXX. The loan was with First Mortgage Corp. XXXX # XXXX. Approx.
18mo later the company calls me to ask me for add documents because for some reason they can not insure my loan with FHA. I provide them with what they are asking for and then they have more Doc after that. We are good for 2years then I get a letter and mind you my loan is current not behind that because they can not insure my loan with FHA they are going to call the Note Due. They stopped accepting my payments and then Sold the company to XXXX XXXX with nothing for them to trail or refer to. I have not made payments since XX/XX/XXXX now and I still have not heard from anyone.
I have no Notice of Default nor do I have a Notice to Sale. But I am not wanting to lose my home due to someone not answering my phone calls nor responding to me. I feel that I am being descrimin- ated against because I am a minority and I am in hopes and have been since XX/XX/XXXX trying to process a loan with another company but these 30 day lates are continuing to prevent me from having someone else help me get out of the current loan I am in.
They will not remove these off my credit nor will they take payments from me, and are putting me in no other position but to sale or go into foreclosure.
Please help me keep my home.
|
| 10/01/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage company sold my loan to another company. I did not make the final payment for the current month within the usual 15 day grace period. When this happens, I pay the late fee ( {$100.00} ) and the regular payment. With the transfer of companies, I have not been able to pay my mortgage. XXXX, I have called my former/original mortgage company to pay, and I have been put on hold for over 15 minutes only to have the call hang up. XXXX, I tried to pay via the former mortgage companies " speed pay '' website option and been unsuccessful because it would say " unable to process ''. I know i would not be penalized if I sent a payment to the former mortgage company, but I am unable to send them the payment. The new company takes over on XXXX XXXX. I can not pay them yet. Even if I pay my payment for XXXX after XXXX XXXX, it would be over a month late. But I have been unable to do otherwise because I can not speak to anyone at my former mortgage company.
|
| 11/07/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We are attempting to refinance our mortgage loan with XXXX XXXX XXXX XXXX. The credit union is not able to make contact with Fist Mortgage for pay off information. I have attempted to make make contact with First Mortgage by phone and e-mail and have not been successful. When attempting to make contact by phone, mail box is full. I sent them an e-mail and have not received a response. I also attempted to login into my account with First Mortgage on the internet and was not successful. After doing a XXXX search I was able to obtain information that their mortgage loans have been sold to XXXX XXXX and to XXXX. I contacted both of these financial institutions by phone and was advised that they do not have our loan. XXXX XXXX did indicate that First Mortgage did not sell all of their mortgage loans. We have received no written notification that our loan was sold and to who it was sold to.
|
| 09/27/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
First Mortgage Corporation advised me of transfer of loan per letter dated XXXX XXXX to XXXX XXXX XXXX. I was instructed to send XXXX/XXXX/2015 payment to XXXX XXXX. Once I contacted XXXX XXXX I was advised payment not due until XXXX/XXXX/2015 so authorization for semi-monthly ACH drafting was set up to begin XXXX/XXXX/2015 per confirmation letter from XXXX XXXX. I also sent XXXX XXXX a half payment in XX/XX/XXXX. First Mortgage advise no payment received per letter dated XXXX/XXXX/2015. On XXXX/XXXX/2015 I contacted First Mortgage & XXXX XXXX to resolve CONTRADICTING information I was advised XXXX XXXX was unable to transfer my funds they received in XX/XX/XXXX to First Mortgage instead they would have to refund to me then I could proceed with payment to First Mortgage once funds received.
|
| 10/30/2016 |
No |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
We refinanced with First Mortgage Online through First Mortgage Corporation. We never had the FHA policy regarding if we sold and did not buy within a stated amount of time that our FHA Mortgage premium would not be returned to us. We just received a {$20.00} check from First Mortgage Corp marked " PIF '' on the check and telling us to cash it quickly as they are closing down their bank accounts. I would have no issues with the cashing the check if it had the other {$5500.00} attached to it! Once again, we did not received disclosure that the FHA changed their policy on this practice and who oversees the companies to make sure that they are following the laws ... as established by FHA?
|
| 01/16/2016 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage company will no longer take payments from me because they were not able to insure my loan and decided to sell the company and call my loan due. In turn started to report 30 days late every month that i could not pay the full balance and this is not the terms on my contract, therefore they need to remove the 30 days late per the original agreement on the contract as they have changed the terms without me agreeing to them.
|
| 11/18/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
First Mortgage Company sold our existing loan to XXXX, however, when they sent a check to represent our escrow account balance to XXXX they only sent a check for {$3600.00}, yet our escrow account had {$3900.00}, that 's a {$310.00} difference. I have tried contacting the company but I can not get a hold of anyone and I have grown increasingly concerned.
|
| 12/12/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
First Mortgage Corp submitted late payment to credit bureaus when I was advised ( by rep XXXX on XXXX/XXXX/15 ) no negative credit reporting would be submitted during transfer of my mortgage loan due to contradicting transaction with my first mortgage payment.
|
| 01/26/2018 |
No |
|
|
|
Web |
|
|
|
| 07/27/2016 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/14/2016 |
No |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/28/2016 |
No |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 03/24/2016 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/28/2015 |
No |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 11/03/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 10/31/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/30/2015 |
No |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/11/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 09/03/2015 |
No |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/28/2015 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 08/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 08/06/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 08/04/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/07/2015 |
Yes |
|
- Credit decision / Underwriting
|
|
Phone |
|
|
|
| 07/06/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/01/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/25/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/07/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/27/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/26/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/27/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/27/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/11/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/07/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 09/08/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/28/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/19/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 08/06/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 07/25/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/07/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/13/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 12/05/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 11/07/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/29/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 01/31/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 01/28/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American |
|
|
| 01/10/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 11/02/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/21/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/20/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/17/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|