First Reliance Holdings LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
09/11/2018 No
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • SC
  • 29650
Web
On XX/XX/2018 I reached out to my mortgage servicing company, First Reliance Mortgage, and requested information for having PMI removed from my loan. I explained that I believe the value of my home has increased sufficiently to put my LTV around or potentially under 80 % LTV and would like to know my options for removing PMI. I was advised by the representative on the phone that there was no one I could speak with over the phone regarding the analysis of my loan 's LTV situation but that she ( the representative ) would put in a request to the appropriate department to have them send me information through the mail detailing my options for PMI removal. Approximately three weeks later, I received the written details of my options for PMI removal in the mail from First Reliance Mortgage, in which they detail that they require a full appraisal to be ordered ( cost : {$450.00} ) to validate my home value -- rather than offering the more affordable alternative option of having a BPO ordered on the property. This seems to constitute a predatory servicing practice, since the XXXX XXXX website says that a BPO can be ordered to establish the property value for the purpose of removing PMI from the loan. I would like to know why my only option for removing PMI on my loan that they are offering is the more expensive option ( Full Appraisal ). Unfortunately on that initial phone call to the servicer it was made clear to me that there was no department I could speak to at the company who would be able to give me any details, all of it would be handled through written communication.
04/15/2021 No
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • GA
  • 30143
Web
I came out of forbearance in XX/XX/2020/ First Reliance sent letter stating forbearance would be added on to end of loan. after making 4 reg payments. I'm refinancing with another company. For 60 days First Reliance has sent wrong documents and dates. I've been placed on hold for hrs and have been hung up on 6 times in one day. The last was supposedly names XXXX in customer service. She was so horrible that it finally dawned on me that this is a racially motivated attack. I asked XXXX to find me a Caucasian supervisor and she hung up. I've talked to 3 nice people out of over a dozen. I've asked them to please put in their notes all the issues I've had.Some say that they can't email or fax the same day. I've been told 3 days for fax and no emails. Today I was told faxed 2-4 hrs and yes they faxed the wrong information. Wrong information was emailed yesterday and then again today. So I was told just now a new fax would go out tomorrow. Please help as My loan is being held hostage!
09/01/2020 No
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • TX
  • 757XX
Web
First Reliance called my mother-in-laws house and left a message saying to reference docket number XXXX in regards to a debt that I owed. The message went on to say that this was being " filed '' in court and they haven't been able to find me at my place of business so I needed to call. I know this is a scam because I have no written proof from this company that it is indeed a true debt. I call and ask for the address of the company. The man immediately got hostile and raised his voice at me asking me why I needed the address. I then went on to tell him that I was reporting him to the cfpb for false debt collection practices. He started screaming at me and then hung up on me.
09/06/2019 No
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • SC
  • 29072
Web
My paycheck is automatically deposited on the XXXX at XXXX. Had been for years. The bank purposely ran debits at XXXX, overdrawing my account, hit me with multiple OD fees, THEN deposited my paycheck. When discussed with the manager, she said I dont care so I closed the account. Do not bank with First Reliance!! Regardless, This needs to be deleted from my credit reports because it is from XX/XX/2010!!!! Nine years ago! And is a violation of the FCRA. Thank you
02/08/2022 No
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • SC
  • 29323
Web
02/25/2015 No
  • Debt collection
  • Credit card
  • Communication tactics
  • Used obscene/profane/abusive language
  • TN
  • 37411
Web
11/23/2014 Yes
  • Payday loan
  • Can't contact lender
  • IN
  • 46375
Web
10/30/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Used obscene/profane/abusive language
  • TN
  • 37777
Phone Older American