| 08/15/2022 |
Yes |
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Web |
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I closed an FHA XXXX loan with Guild Mortgage in XX/XX/XXXX. The loan included {$280000.00} for me to build an addition to my house and renovate the existing home.
This is a construction loan. The XXXX loan is a reimbursement loan, so my Contractor and I have to come up with funds to perform the work and then ask for reimbursement after the lender has reviewed the work performed, reviewed the pictures taken by our FHA Consultant, upon completion of the required HUD Reimbursement request forms.
Since closing the loan, not a single individual from Guild Mortgage has contacted me on the back end or in Construction Management to discuss the process with me. All they did was send emails introducing me to their third party construction management firm XXXX XXXX. Not a single person from XXXX XXXX has contacted me either. My only source of contact with Guild Mortgage is still only the Loan Officer, who is on the front end of this transaction.
As you know, a XXXX loan charges full principal and interest payments from the day the loan closes. Even though the construction funds have not yet been disbursed, I am still on the hook for the full loan amount. Most construction loans require a borrower to pay interest only during the construction period, and then full Principal and Interest payments commence upon completion of construction. XXXX loans are so archaic in their concept that it forces me to pay the full principal and interest payments from the start which I have done diligently.
My complaint is about the fact that : 1. Guild mortgage takes on average 15 working days to disburse the funds after my Contractor, FHA Consultant and I work through their own processes and submit a draw request. In these times there is complete work stoppage on my project. So just imagine, you are paying full principal and interest on a mortgage on a house where the funds that I am paying the mortgage and interest on, takes 3 weeks to be released to me.
2. I am unable to reach anyone in the Construction team or the XXXX XXXX to discuss my situation. I resorted to emailing the CEO and COO. One time I got a call from someone who claimed to be the COO, but since then, no one responds to me.
3. There is about {$170000.00} left in my project. So I am paying a full mortgage on a full loan balance of {$720000.00} of which {>= $1,000,000} is supposed to be funds that I am to use to renovate my house, but the bank takes XXXX weeks to disburse the funds to me.
4. On XX/XX/XXXX, we submitted a draw request. This draw request was complicated because my Contractor failed to pay a vendor who proceeded to file a mechanics lien on my property. The vendor installed a steel beam in the property.
5. The options are for the Contractor to pay the mechanics lien, or I pay the mecha
nics lien, or we draw from the remaining funds allocated to framing to pay the lien.
6. We outlined these options, I obtained consent from the Contractor, the FHA Consultant and the Vendor that we would request that Guild Mortgage pay the vendor directly from the framing budget. I submitted the draw request with a copy of the outstanding invoice from the vendor that needs to be paid, the mechanics lien that was filed, and a detailed letter explaining what has transpired and why we are choosing the option where the mechanics lien is paid out of the framing budget. Just so you note, FHA 203k loans requires the Contractor or I to spend funds for the work to be completed before we can request reimbursement.
7. After 3 weeks of review, Guild Mortgage came back to say, they will not re
lease funds unless the Contractor or I paid the lien. The Contractor has indicated that he has spend funds and can not pay the lien.
8. The questions I proceeded to ask Guild Mortgage was : a. If I paid the lien, could I get reimbursed from the framing budget - no response b. If there is an issue with trust of the Contractor, then will they be willing to release reimbursement funds to me - no answer 9. All this while, not a single phone call from anyone at Guild Mortgage. At time of writing this complaint, I have written another email to the CEO and the COO without any response either. All I got was a letter giving me what my loan balance is, if I wanted to payoff the loan.
10. There is a fact that the Contractor received funds to pay the vendor and he did not. Which is bad. But in the end, in refusing to disburse funds, and asking the Contractor to pay the lien when he has already agreed that the amount that is supposed to be disbursed from the framing budget, is not hurting the Contractor, it is hurting me the homeowner.
11. The bottom line is that whether I pay the lien or the Contractor pays the lien, or it is taken from the remaining {$170000.00} that is still left in my budget, for which I am paying full interest on, is costing me, the homeowner whom the Lender and FHA claim to protect. This grand stance of wanting the Contractor to pay the lien before releasing funds is not hurting the Contractor, it is hurting me. because while all this is taking place, there is work stoppage on my project. I have no kitchen, no rooms for my children to resume school in, all because of {$7100.00} when there is {$170000.00} still left in my construction budget. I am paying interest on that {$170000.00} by the way.
12. My project is at a stand-still. Not a single person in Management or Leadership with either Guild Mortgage or XXXX XXXX has bothered to pick up the phone to contact me or to make an executive decision in this matter. While all this is taking place, there is work stoppage on my project. I have no kitchen, no rooms for my children to resume school in, all because of {$7100.00} when there is {$170000.00} still left in my construction budget. I am paying interest on that {$170000.00} by the way. There is no accounting system that any CPA or Tax Accountant can not write notes to explain what transpired. It can not be that complicated to take {$7100.00} from the existing framing budget and make a note that this is a special circumstance. Yes it is true that the previous Draw # 3 included funds to the Contractor to pay the Vendor and he did not, but holding up my project is really not a solution either. The solution is to ensure that the mechanics lien is paid. If I pay it, I should be reimbursed from the framing budget, especially since the Contractor has indicated that he has spent quite a bit of funds and does not have funds to pay the lien.
13. The only reason such treatment is being meted out is because there is a discriminatory element to it. My project includes {$20000.00} in contingency funds. The addition/new side of my house has a new shingle roof, but the existing house has old gravel roof from XXXX, when the house was built. It simply makes no sense to build a house with half the house having new roof from XXXX and the old house still has gravel roof from XXXX, so I had it changed. Mostly because the old roof was too heavy for us to be able to obtain solar. Every solar contractor we talked to, would not do it unless the old heavy roof was replaced.
14. For a lender, who has pictures of the roof that was changed, to ask me a homeowner, whose money they are holding for me to upgrade my home, whether the roof change was necessary or discretionary is enough to indicate the level of disrespect and discriminatory tone of that question.
XXXX. Because of this treatment, I have half a house standing incomplete, I have children starting school with no rooms to work or study in. It is a mess, but the CEO and COO and all senior Management of both Guild Mortgage and XXXX XXXX do not have a solution, other than the grand stance of asking the Contractor to pay a lien else they are not releasing funds.
XXXX. But above all, not even bothering to answer the questions I posed is quite indicative of the service levels they offer.
This is not an organization that knows how to do FHA XXXX loans or understands construction loans. Construction loans are not loans where you simply close a loan and hide behind emails. It always requires more servicing, because after the loan closes, there is a whole new process going on afterwards. The process of constructing usually someone's primary residence, and it can not be taken lightly. That is why most lenders have a Construction Management team that serves as a contact person for all their Construction clients after the loan closes. Construction loans are not transactional, they require servicing until the construction is completed. To leave me in the lurch and resort to sending me emails from third parties who have no authority is ridiculous business at any level. I am surprised the any CEO or serious management team will ignore this. If this is happening to one borrower, it must be happening to others as well or it should never be allowed to happen at all.
How can punishing a Contractor be a solution to a problem. Why should that be a solution without any regard for me the homeowner caught in the middle, unless of course, there is no intent to ensure my success at all. In a half done construction project, no one wins. If Guild Mortgage were to take over my house now, they will still have to put in a kitchen, and paint the rooms before off loading it to anyone, so what sense does it make to them if I fail at completing my project?
There has to be enough smart business leaders in this organization to at least know this. I doubt these United States would even be in existence if every business leader simply stopped at the problem. We all go to school to learn how to problem solve, not to stop at problems. Those in Leadership are paid to solve problems not stop at every problem they encounter. That is the stance being presented in this situation - that the single solution is that the Contractor has to pay the lien, because not a single person at Guild Mortgage or XXXX XXXX seems to understand that taking money from the framing budget to pay the lien is not paying the lien twice, it means having to go back to draw # 3 and marking that item as not paid to the vendor, and then associating this payment in Draw # 4 to that item. Any CPA or Tax accountant can clearly note what transpired.
Unfortunately, it appears this is too complicated, and the apparent solution is to refuse to make this adjustment, but rather to put the project to a standstill. How can that be a solution under any circumstance?
There is not a single leader at Guild Mortgage that can claim that the company has not been cited or faced any type of issue with regulators and others who have oversight on their operations. Those institutions do not simply stop and say " there is a problem '' so stop. The question is always what is the path forward which means solving the problem. How can you hold up payment on a homeowner 's project unless the Contractor involved pays a lien, when the contractor can not pay? What is the solution, should be the natural question that follows.
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| 01/24/2023 |
Yes |
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- Trouble during payment process
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I have an FHA XXXX XXXX XXXX XXXX loan with Guild Mortgage - Loan # XXXX, FHA Case # XXXX.
This loan was made to me to make improvements to my property. The process has been fraught with issues. I filed a previous complaint for which Guild Mortgage explained that the issues with delays in releasing funds from my Escrow account, from which I am making full principal and interest payments was because their Outside Loan Management company had turnover issues.
The issue I have run into now is that I have been getting sub-contractors and workers hired by my General Contractor to work on my project, coming to me demanding payment and making threats to file mechanics liens against my property because my General Contractor has failed to pay them. This was the root of my first complaint. The General Contractor received payment but failed to pay a steel beam vendor who ended up filing a mechanics lien. General Contractor did not have funds to pay the lien and I could not pay it either so my project came to a stand still.
On XX/XX/XXXX, several sub-contractors showed up at my residence, claiming they have not been paid and were threatening to file mechanics liens. Some showed up at night, threatening bodily harm to my family and I over non-payment. This is the most stressful and frustrating situation I have ever been in. Several of the sub-contractors informed me that this was a pattern of behavior they have experienced with the General Contractor on several other jobs. For a Contractor to receive funds that have been given to him specifically to pay sub-contractors and for the him to sign lien waivers attesting to the fact that everyone is paid thereby protecting me and my collateral, yet fails to pay them is just not right ethically. I therefore decided to look into my General Contractor. First thing I did was look up the license with the California Contractors State License Board and discovered that the General Contractors license had been suspended. In fact the license had been in suspension since XX/XX/XXXX.
Once I discovered this, I verbally fired the Contractor and put this in writing to the Contractor on XX/XX/XXXX and notified Guild Mortgage as well.
The FHA XXXX ( XXXX ) loan requires me to hire a licensed General Contractor. Although it does not specify, the reason the program requires a licensed General Contractor I believe it is because the program believes that a licensed General Contractor can be trusted to undertake the project responsibly. However, in this instance, I was faced with a General Contractor who is not paying sub-contractors and I am constantly being harassed and threatened at my home, but I had a General Contractor whose license has been suspended since XX/XX/XXXX. So for the past several months, both Guild Mortgage and I had been dealing with a General Contractor who is unlicensed. But what bothers me is the fact that the General Contractor has known all along that his license was suspended and did not disclose it to me. In order to protect myself, I needed to separate from this Contractor hence the decision to fire the Contractor.
It is ethically wrong to know that my project requires licensure, and to know that your license is suspended, but continue to show up at my project and to bring on workers, who do not get paid even when funds are released for them to be paid. To me it constitutes fraud. I even found out that the HVAC sub-contractor that worked on my HVAC system had a suspended license as well. So it is clear that working with this General Contractor is quite dangerous to me financially because he had no morals, no ethics, I was dealing with an individual who despite knowing he was no longer in a position to act as the General Contractor on my project, continued to work on the project anyway, without any thought of wanting to disclose his suspension to me. I just can not stand such sociopathic behavior. I confirmed with the XXXX that a General Contractor whose license is suspended in California is not permitted to work, bid on any work or Contract for any work, until their suspension is lifted and their license is restored.
Since finding this out, I have filed a complaint as well with the XXXX XXXXXXXX XXXX XXXX XXXX who will be conducting an investigation. They are short on personnel so will get to my complaint in due time.
The amount left in my FHA XXXX XXXX XXXX XXXX Escrow account is {$57000.00}. I have decided not to hire another contractor. Instead I will finish the project myself by hiring licensed sub-contractors which I am already doing. I have had to fund a greater portion of the project from personal funds and loans and credit cards, etc and I have asked Guild Mortgage to reimburse me for those costs. The irony of the matter is that, it appears that I would have been better of turning a blind eye to the fact that there was a General Contractor with a suspended license working on my project than to fire him since I am being informed now that since I do not have a Contractor I can not have access to the funds in the Escrow Account that I am paying a full principal and interest on monthly. Despite providing several pages of receipts, cancelled checks, etc. The attitude seems to be otherwise. Instead, I was being told that I was in a dispute with my General Contractor.
When a General Contractor fraudulently poses as General Contractor for over 8 months, working on a project on which the California State Law requires him to be licensed and HUD which is a Federally funded organization requires the FHA XXXX XXXX XXXX XXXX program to require licensed contractors but no one checks the validity of the license. Bottom line if the FHA XXXX XXXX XXXX ) program requires a licensed General Contractor but one has been receiving funds from the program while their license was suspended, I would think Guild Mortgage and the Federal Government and HUD would want to be notified of such instances. The evolution of the FHA XXXX XXXX XXXX XXXX program to where it is now was to stamp out fraud, yet we are saying we would rather release funds for my project to a General Contractor whose license is suspended, rather than reimburse me for items that I legitimately purchased and funded, because I no longer have a General Contractor.
I have mentioned to Guild Mortgage several times that they released funds to the Contractor from our appliance budget. I paid for all the appliances by putting them on credit cards, etc. The {$2700.00} of the appliance funds were released to the Contractor.
Those funds have never been given to us by the Contractor. Despite providing receipts, bank statements and cancelled checks, no one seems to bother to acknowledge that it is wrong for me to have a project where {$5400.00} is allocated to appliances. I pay {$5400.00} and more for appliances, only for {$2700.00} to be given to a General Contractor who did not spend a dime on the appliances, just because it is easier to release funds to a General Contractor than it is to release funds to me the homeowner, the person with the most to lose, the person whose property is being mortgaged or taken as security. So I am stuck with the credit card bill for the appliances, and the money is with the General Contractor. How ethical is that?
How fair is that?
The same for toilets, kitchen sinks, bathroom sinks, door handles, door locks, drawer pulls, flooring, baseboards, bathroom exhaust fans, purchase of granite counter tops for bathroom and kitchen, labor to have those counter-tops cut for the kitchen and bathrooms, kitchen and bathroom faucets, shower heads, pendant lights. I have provided over 60 pages of receipts, credit card statements, bank statement transaction pages and more to prove that the materials in the budget were purchased by me and I need to be reimbursed. All these are materials that the General Contractor was supposed to provide but indicated he did not have funds to purchase these so I did because it is my home.
I am constantly being asked when I will finish the project. Well, how can I finish a project when no one seems to listen to what I am saying?
I have since asked Guild not release any funds to the General Contractor. I have asked Guild to release funds to me so I can ensure any sub-contractors are paid and I will ensure that they sign the requisite lien waivers accordingly. At least I know that with me in charge of it, no one will be coming to threaten me with non-payment because I will pay them. I am the one who endures the harassment. Guild Representatives and the General Contractor are nicely tucked away in their homes when sub-contractors show up at my door various god-awful hours of the night asking for payment.
This is for the CFPB and HUD it is about time that the FHA XXXX XXXX XXXX ) loan is allowed to have interest reserve built in or be allowed to have interest only payment during the construction period. It is ridiculous to have consumers paying full principal and interest on XXXX XXXX XXXX XXXX XXXX XXXX loans. Construction is always fraught with problems and forcing people to pay full P & I during the construction is not making the XXXXXXXX XXXX XXXX ) loan better, it is rather increasing the risk of default because when consumers who go for this type of loan face the difficulties that I have faced with the funding and administration of this project, not to mention, a general contractor whose license is suspended in the middle of the project, no one plans for that and contingencies may not be adequate. Giving consumers the ability to pay the interest on the loan at least during the construction period frees up their reserves and liquidity be able to tackle any cost over-runs or issues. Imagine paying for the full value of something when the value is not there.
And for Guild Mortgage, I recommend that in any Construction loan, checking the Contractors license my not be stipulated in the FHA guidelines but it is a precautionary measure that should become standard operating procedure. At least from my situation we know that a Contractor 's license can become suspended halfway through the project.
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| 08/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This complaint is a second & continuing complaint regarding the blatant and malicious violation of federal and state law by our lender, Guild Mortgage, which is causing an extreme financial hardship for myself and my family. The original complaint was # XXXX. Guild Mortgage did NOT comply with the response that they sent, continuing their violation of the Code of Federal Regulations Title 12 : Banks and Banking Chapter X : Bureau of Consumer Financial Protection Part 1024 : Real Estate Settlement Procedures Act ( Regulation X ) 1024.17 ( c ) Escrow accounts and California Civil Code section 2954. ( attached ).
To begin, Guild Mortgage purposefully and persistently overcharged our monthly escrow payment amount by {$330.00} each month for 10 months which is far more than the allowable amount under federal and state law. This totals {$3300.00} in unlawful collections by XXXX, with an additional {$360.00} in continuing fees and another {$1700.00} in unapplied funds they also collected, bringing a total of {$5400.00} in unlawful funds. We will be filing a lawsuit against XXXX for triple damages of {$16000.00} of which they have returned {$1800.00} for current and continuing monetary damages of {$14000.00}. Their unlawful actions have also caused us to incur additional damages which will be outlined in our lawsuit.
Because of our coming lawsuit, we are requesting that CFBP begin enforcement actions to address this violation of federal law and begin investigations into Guilds violations of law potentially harming other consumers. Guild did acknowledge their violation in their ( attached ) XX/XX/XXXX letter, but also fraudulently claimed that a check was mailed to us to us on XX/XX/XXXX for the {$2000.00} surplus, which they continue to keep and refuse to apply to our account. Our attorney and my family believe this conduct may be considered fraudulent, malicious and willful, and not based in good faith error, to which Guild will be subject to additional punitive damages for the following reasons : To repeat, when this refinance loan was originated, we had an approximately {$33000.00} XXXX loan attached through our property tax payments. Our previous loan included the annual payments for the XXXX loan, which was about {$4000.00} yearly, within our monthly payments as part of the monthly escrow. When we refinanced with Guild, we were required to pay off the XXXX loan at closing and the {$33000.00} was included within our monthly mortgage payment. I raised a concern at the time that the estimated escrow amount continued to reflect paying for the XXXX loan within the monthly escrow when we already paid off the loan and the payments for it were included in our mortgage amount, effectively making us pay double for the loan each month. I was assure at that time that the escrow department would find this situation during their analysis and make the needed adjustment.
The escrow analysis department of Guild Mortgage did not recognize that the XXXX loan included in the property taxes was paid in full by them at closing and we began being charged twice for the same {$33000.00} amount, as it was now included in both our mortgage payment as well as our escrow payment. I called customer service and was told to make the scheduled payment for XX/XX/XXXX even though it included an approximately {$330.00} overpayment, and that the overpayment would be credited later but that the situation should be resolved within a few weeks.
Of course, the situation was not resolved and remained unresolved as we were forced to continue making the {$330.00} overpayment in both XXXX, XXXX, XXXX and XX/XX/XXXX. This lack of correction by Guild for our monthly escrow amount requiring us to overpay about {$330.00} each month began creating a financial hardship.
In XX/XX/XXXX, I again contacted customer service sending notice of the ongoing overpayment problem and again submitting our XXXX XXXX XXXX Collector details for both XXXX and XXXX showing that the approximate {$4000.00} required annual loan repayment was removed from our assessor bill. We requested that the escrow analysis department reassess our escrow payment amount using the correct projections as verified by our tax collector. Again we were told that their department would make the necessary corrections during their regular annual assessment and the new amount would be reflected going forward.
In XX/XX/XXXX, Guild Mortgage refunded {$1800.00} in escrow overpayment over a six-month period, clearly acknowledging that their previous monthly escrow amount was in error and we had been overcharged by that amount in that short time period. However, on the XX/XX/XXXX Escrow Account Disclosure Statement ( attached ), while it shows the previous projections from XX/XX/XXXX with two ( incorrect ) county tax payments of {$3900.00} on XX/XX/XXXX and XX/XX/XXXX, it discloses the actual ( correct XXXX county tax payment of {$1900.00} in XX/XX/XXXX. Further it goes on to improperly project for XXXX county tax payments of {$3900.00} in XXXX and XXXX of XXXX, making our total escrow amount {$8800.00} when it should be only {$4900.00} for the year. We know from the repeatedly submitted documentation as well as from Guilds own actual payments to our county tax office, that the amount they are projecting is {$3900.00} too high. This required overpayment created a financial hardship.
After filing the original complaint on XX/XX/XXXX, XXXX responded on XX/XX/XXXX fraudulently claiming that a check had been mailed on XX/XX/XXXX to resolve our issue. I called Guild on XX/XX/XXXX because we had not received the check and was told that the check had not been mailed, but that we could apply the surplus to our account. Although this was not what Guild had agreed to, I was willing to do that to completely resolve this situation. I was assured that the amount would be applied by the end of the month, XX/XX/XXXX. Because of this problem, I was unable to make payments via the website and would always need to make about a 45-60 minute call to make any payments.
On XX/XX/XXXX I called ( 82 minutes of my time ) to make a payment to bring my account current. The total payment that was collected was {$2800.00} which including my {$2000.00} credit should have applied {$4800.00} to my account, bringing it fully current. However, only {$1800.00} was applied to my account, {$940.00} was applied to an Unapplied Funds account and my credit was never applied. I again called on XX/XX/XXXX to make the XX/XX/XXXX payment because the website still would not allow me to make payments, and was informed that the credits had not been applied and after 73 minutes of call time, that I would need to make a payment of {$860.00} in order for everything to be applied to the account properly, which I did. I was guaranteed by the Guild representative that all my funds would be applied within a week. However, I found out that none of my surplus was applied and the majority of that payment was simply applied to the Unapplied Funds account and not to my mortgage account.
On XX/XX/XXXX, I called to make the XX/XX/XXXX payment, and after a XXXX call, made a payment of {$1800.00} in order to try to remain current and keep any damages to a minimum. I called back on XX/XX/XXXX to make sure that I was current and that all my credits had been applied. I was told that my request to apply the {$2000.00} surplus was declined and none of the Unapplied Funds could be applied until the account was brought current with a payment of {$7700.00}, to which I decided that only a lawsuit would resolve this situation to a fair satisfaction.
Remember, the original reason for the surplus was because of Guilds violation of state and federal law by overcharging and collecting unlawful funds.
Because of the numerous times we brought this problem to their attention as well as the unimpeachable submitted documentation, including their own acknowledgment of their unlawful behavior and fraudulent claim of refunding our stolen money, we do not believe this is an honest mistake, but a purposeful violation of both the law and our rights. As such, Guild Mortgage should be fined and found to have substantially injured us financially, and thereby demanded to make injunctive relief of no less than {$25000.00} for our damages.
Therefore, we are requesting that CFPB complete a review of our loan escrow amount projections/charges ASAP, inform Guild Mortgage of their violation of both state and federal law regarding mortgage escrow charges and take necessary enforcement actions in the form of fines as well as an investigation into other harmed consumers.
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| 01/03/2023 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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SEE BELOW ***Part XXXX cancel my pmi premiums immediately. " XXXX percent of the original value '',...
XXXX XXXX XXXX formally requests the CFPB to immediately move to enforce the XXXX...
...
START HERE!!!
....
***Part XXXX Previous Guild Mortgage response to complaint # XXXX was inappropriate.
Filed XX/XX/XXXX, Guild Mortgage in a generic ( dated XX/XX/XXXX ), reckless, irresponsible process in dozens of direct protocol violation of Federal and State law regarding my MI premium cancellation requests and automatic termination law.
Guild failed to return XXXX unearned.
Guild failed to provide any copies of properly formatted response letters to each request. Now listed below.
Guild is stalling forcing further legal action.
Guild is consisten with court filings ; ***SUMMARY*** " This was not an oversight, the complaint contends : This action stems from an unjust scheme undertaken by [ Guild ] to maximize profit by failing to notify [ XXXX and XXXX ] about their option to cancel As a result, [ Guild ] collected monthly PMI fees that were unearned, fraudulent, illegal, excessive, repetitive, unfair, deceptive, false, and fictitious by charging them to unsuspecting borrowers accounts.
***Part XXXX cancel my pmi premiums immediately. " XXXX percent of the original value '', " The automatic termination provisions make no reference to good payment history ( as prescribed in the borrower-requested provisions ), but state only that the borrower must be current on mortgage payments ( XXXX XXXX. XXXX ( b ) ). '' I formally request under XXXX XXXX XXXX, XXXX XXXX automatic termination of XXXX for my loan at no cost to the consumer as required in federal, state law XXXX XXXX XXXX instructions under Major disaster declaration ( XXXX ) & Emergency declaration ( XXXX ).
***Return of XXXX XXXX " The servicer must return all unearned PMI premiums to the borrower within 45 days after cancellation or termination of PMI coverage. Within 30 days after notification by the servicer of cancellation or termination of PMI coverage, a mortgage insurer must return to the servicer any amount of unearned premiums it is holding to permit the servicer to return such premiums to the borrower ( XXXX XXXX. XXXX ( f ) ). '' ***XXXX XXXX XXXX XXXX XXXX XXXX XXXX Homeowners Protection Act of XXXX ( HPA or PMI Cancellation Act, or Act ) XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ***Emergency Supplemental Appropriations Act of XXXX XXXX XXXX XXXX formally requests the CFPB to immediately move to enforce the HPA " XXXX also directs the federal banking agencies to XXXX the XXXX under 12 U.S.C. 1818 or any other authority conferred upon the agencies by law. Under HOPA the agencies shall : Notify applicable lenders or servicers of any failure to comply with the Act ; Require the lender or servicer, as applicable, to correct the borrowers account to reflect the date on which PMI should have been canceled or terminated under the Act ; and Require the lender or servicer, as applicable, to return unearned PMI premiums to a borrower who paid premiums after the date on which the borrowers obligation to pay PMI premiums ceased under the Act ( 12 U.S.C. 4909 ). '' XXXX XXXX XXXX failed to provide proof of compliance with laws for each formal request, and the penalties/ return of mips unearned/ and penalties under USC 12 section 8 .
I request proof copies of original denial letters ( what was sent XX/XX/XXXX and dated XX/XX/XXXX are inconsistent with the state and federal law, innapropriate, and unacceptable ) in accordance with the same codes be scanned and emailed to me, faxed to XXXX, or printed, Copied and mailed to XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, WA XXXX for request dates. Emails previously provided to Guild directly and/ or GUILD XXXX this puts Guild on Notice.
***Basic Disclosure and Notice Requirements Applicable to Residential Mortgage Transactions and Residential Mortgages*** The Act requires the lender in a residential mortgage transaction to provide to the borrower, at the time of consummation, certain disclosures that describe the borrowers rights for PMI cancellation and termination. A borrower XXXX not be charged for any disclosure required by the XXXX. Initial disclosures vary, based upon whether the transaction is a fixed rate mortgage, adjustable rate mortgage or high-risk loan. The XXXX also requires that the borrower be provided with certain annual and other notices concerning PMI cancellation and termination.
XXXX XX/XX/XXXX, ( XXXX XXXX. XXXX ( XXXX ) ( XXXX ) ) XXXX XXXX XXXXXXXX XX/XX/XXXX - current XXXX XXXX XXXX XXXX - current XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX not XXXX any payment that is XXXX or more days past due in the last 12 months, or XXXX or more days past due in the last 24 months that is attributable to the disaster event. '' XXXX XX/XX/XXXX, same as above XXXX XX/XX/XXXX, same as above XXXX XX/XX/XXXX, same as above XXXX XX/XX/XXXX, same as above XXXX XX/XX/XXXX, same as above XXXX qualified automatic termination of PMI per federal law, " XXXX percent of the original value '', ( XXXX XXXX. XXXX ( b ) ), ( XXXX XXXX. XXXX ( b ) ), ( XXXX XXXX. XXXX ( b ) ), see part XXXX request XXXX qualified automatic termination of PMI per federal law, see part XXXX request XXXX qualified automatic termination of PMI per federal law, see part XXXX request XXXX qualified automatic termination of PMI per federal law, see part XXXX request XXXX. XX/XX/XXXX qualified automatic termination of PMI per federal law, see part XXXX request ***PART XXXX request a copy of your " written statement '' source material of state or XXXX XXXX stating XXXX emergency declaration ended XX/XX/XXXX, and why that would be cause for denial of Automatic Termination of PMI : " ... XXXX percent of the original value '' XXXX orders of XXXX is currently in effect which directly contradicts your emailed dates and illegal statements.
XXXX Disaster Declaration in effect XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - and continuing Major Disaster Declaration declared on XX/XX/XXXX ***Emergency Declaration in effect XX/XX/XXXX to current*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incident Period : XX/XX/XXXX - and continuing Emergency Declaration declared on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 10/24/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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Guild Mortgage Company LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX, XXXX, XXXX, XXXX Fax- XXXX Dear Guild Mortgage, I am having difficulty understanding your position regarding refusing to remove PMI. I am hoping you can resolve this.
Without spending XXXX $ from now until XX/XX/XXXX, ( i paid through XX/XX/XXXX ) I have met every condition you have set for automatic termination/ cancellation of PMI per your description and my understanding of your " XX/XX/XXXX rule, no matter what ''. So 3 months has no financial impact on my request by Guilds standard to remove PMI. Just as 3 months has no impact on my credit report per Guild 's website, let alone 1-2 months. ( Natural disasters ) According to XXXX XXXX XXXXXXXX Guide p.205, " the servicer must not consider any payment that is 30 or more days past due in the last 12 months, or XXXX or more days past due in the last 24 months that is attributable to the disaster event. '' Even while I contacted Guild regularly and paid to bring current within a couple months, after a natural disaster, savings depletion, and repayment agreement with multiple people in your office that I fulfilled. ( Confirmation # 's XXXX, XXXX, XXXX ) and Guild " identified '' the affected accounts automatically. This appears clear and straight forward.
Going back further, requests were made as early as XX/XX/XXXX as home values increased. Getting written approval from Guild Servicing Agent to proceed and then, complete ignorance from Guild for years, as I repeatedly requested removal per law, 12 U.S.C and XXXX XXXX guidelines as they own my loan.
35 months later and I feel Guild is still fighting for this small amount of money, that to my wife and I who are both XXXX and have fixed incomes this is one piece in the cog. Insurance companies have better service that Guild in my experience. We are completely frustrated.
This is my final attempt before exercising each & every Federal/ state resources listed within/ including Homeowners Protection Act ( MI cancellation act ), Consumer Financial Protection Act of XXXX, etc.
1.Please cancel PMI immediately on loan, next payment due XX/XX/XXXX. LTV {$120000.00} / 75 % = {$160000.00} ( zestimate {$300000.00} ).
2.Please refund 24 months ( {$4000.00} ) of overpaid/ unearned premiums, late fees ( keep them ) minus any fees allowed by law.
35 MIPs to Guild Mortgage at $ XXXX month XX/XX/XXXX to XX/XX/XXXX = {$6000.00} plus late fees improperly assessed.
3.Correct credit reporting. If any =<90 days were reported.
4.Please send written notices to satisfy XXXX XXXX XXXX XXXX State, and Guild laws, requirements, & guidelines.
-Guild website Helpful information for borrowers impacted by natural disasters, -All borrowers who live in a FEMA Presidentially Declared Disaster Area are identified in our system. -For all borrowers in FEMA Presidentially Declared Disaster Areas, no late charges or adverse credit reporting will occur for 90 days.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Single Family P204-205. 2. Verify the borrower has an acceptable payment record.
Verification of Acceptable Payment Record for Borrowers Impacted by a Disaster When verifying an acceptable payment history for a borrower that was impacted by a disaster event in which the servicer provided either a forbearance plan, repayment plan, or a Trial Period Plan, or disaster payment deferral and the borrower complied with the terms of such plan, the servicer must not consider any payment that is 30 or more days past due in the last 12 months, or 60 or more days past due in the last 24 months that is attributable to the disaster event. This applies when reviewing the borrower 's request for termination of conventional MI based on either original or current value of the property.
ACTIVITY LOG SUMMARY XX/XX/XXXX Qualified automatic termination of PMI, LTV {$120000.00} / 75 % = {$160000.00} ( XXXX {$300000.00} ).
Multiple additional written requestsGuild.
Contacted XXXX XXXX
XX/XX/XXXX Multiple additional written requests made.
Guild denied via email.
XX/XX/XXXX Qualified automatic termination of PMI, LTV $ XXXX 75 % = {$160000.00} ( zestimate {$310000.00} ) Multiple additional written requests made.
Guild mortgage replied via email through XXXX denied good payment history.
30 day notice emailed to guild.
XX/XX/XXXX Contacted Guild ( XXXX ), savings depleted impacted by natural disaster, made payment {$2300.00} confirmation # XXXX, all current in payments.
XX/XX/XXXX Contacted Guild ( XXXX ), savings depleted impacted by natural disaster, will catch up in 1-2 months, made payment {$1200.00} confirmation # XXXX.
XX/XX/XXXX XXXX Guild ( XXXX ) spoke with a guy possibly named XXXX, hard to understand, savings depleted impacted by natural disaster, will catch up in 1-2 months, made payment {$1200.00} confirmation # XXXX.
XX/XX/XXXX Contacted Guild ( XXXX ), savings depleted impacted by natural disaster, made payment.
XX/XX/XXXX Qualified borrower request for termination/ cancellation of PMI XXXX included XXXX credit report XX/XX/XXXX Qualified borrower request for termination/ cancellation of PMI, LTV $ XXXX 75 % = {$160000.00} ( XXXX {$300000.00} ).
Guild mortgage replied via email through XXXX denied good payment history.
XX/XX/XXXX Qualified XXXX XXXX XXXX XXXX approval for termination/ cancellation of PMI XXXX LTV ( Email via XXXX Tue, XX/XX/XXXX, XXXXXXXX XXXX ) $ XXXX 75 % = {$160000.00} ( XXXX {$300000.00} ). Proceed to " The servicer must obtain a property valuation from XXXX XXXX XXXX XXXX XXXX XXXX '' Guild Mortgage did not reply, notify or proceed.
XX/XX/XXXX -FEMA- POTUS approves major disaster declaration for WA.
https : //www.fema.gov/disaster/4481 https : //www.fema.gov/disaster/3427 -Federal Register, V85, # 53- POTUS declaration 9994, National Emergency regarding COVID-19. PDF XX/XX/XXXX Qualified borrower request for termination/ cancellation of PMI , LTV XXXX XXXX 80 % = {$160000.00} ( XXXX {$170000.00} ).
No reply from Guild mortgage.
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| 01/20/2021 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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On XX/XX/XXXX we closed on our home with Guild Mortgage, who is also our mortgage servicer, it was a conventional loan where we put 5 % down, while we waiting for our other mortgage to sell. We were advised by our Mortgage Loan Officer, XXXX XXXX, that we would have to pay PMI, however, once we sold our townhouse and received the equity we had from that property we could put it towards our unpaid principal balance and the PMI would drop. These were her exact words and this was an explanation that we actually received multiple times. On XX/XX/XXXX we had an appraisal done on the new property we were buying, a necessary step in the closing process I do know this, the APIN stated on XX/XX/XXXX that the property was worth {$570000.00}. On XX/XX/XXXX we closed on the property and paid Guild 5 %, {$28000.00}, our original loan was {$540000.00}. On XX/XX/XXXX we paid an additional {$86000.00} to the unpaid principal balance, taking our loan down to less than {$460000.00}. At this point we were under the impression, based on the information and guarantee from our Loan Officer, the PMI would be dropped. And why wouldn't it be? We had closed less than two months ago with value in our property from an APIN as needed by the Bank, and we had reached at least 20 % equity. I submitted a request to have the PMI dropped but they stated on XX/XX/XXXX that while our current principal balance of {$450000.00} has reached the required 80 % loan to value threshold based on the original value of $ XXXX, we were still required to get, at our cost, a satisfactory BPO as evidence that our property has not declined. And right there in that letter dated XX/XX/XXXX, Guild clearly states that we reached the required 80 % loan-to-value threshold. But still we paid the {$100.00} to get a very unprofessional man to come take pictures of our home on XX/XX/XXXX. According to this man the property value is {$570000.00}. However, there are several home value sites that state our property is worth more than XXXX, one of those sites being XXXX, a site run by Guild Mortgage that creates home reports for previous buyers, it states the value of my home is {$570000.00} as of XX/XX/XXXX. So we are being forced to pay PMI on a property in which we do hold at least 20 % equity in, it just depends on the person you are asking, which isn't to us as borrowers who were told one thing and are having a completely different thing being done to us. Quite frankly what our loan officer did to us was predatory. XXXX told us, along with the Escrow officer, that as soon as we were able to reach 20 % equity in our house we could get the PMI dropped, there was no further explanation of how removing PMI would work. Guild as a servicer is telling us that we can pay the {$100.00}. fee again once we see the values increase on sites like XXXX or XXXX, or XXXX, and have another person come out to value our property again. Based on all of those sites I could pay the {$100.00} today and possibly get a higher value. It is not acceptable that we were lied to during our loan closing process, it is not acceptable that XXXX did not take the time to help us understand all of the risks associated with only putting down 5 %. It is not acceptable that at closing our loan XXXX wasn't even in the room with us for us to ask questions regarding the PMI. When questions about the PMI were asked of the Escrow officer XXXX XXXX he answered that once we got to our 20 % equity we could ask to remove it. This is a trap to force people to pay for something that is a racket to being with. We have done everything we were told to do from a person we trusted to handle our situation correctly and because one man has an opinion different than another we are forced to continue to pay an unnecessary fee. It would have been better for us to do a VA Home loan, which we are qualified for due to my husbands service in the Navy, again something we weren't even told to entertain.
Guild Mortgage serving has sent us, through email onXX/XX/XXXX, personal information regarding another person 's personal account. They sent me the loan information, including a borrowers social security number through email, have the sent out my personal information to other borrowers? That is a violation of privacy.
On XX/XX/XXXX Guild Mortgage servicing sent me a recast agreement that would change our P & I payment stating that our new principal balance was {$470000.00} and our new P & I would be {$1900.00}. However, that was not correct to my loan and due to my job I knew this wasn't correct, I called them and did get an updated recast agreement to sign, the person who created our agreement transcribed the numbers. My point in bringing this up is how many other agreements have they transcribed the numbers causing a higher payment than necessary and borrower simply signed the agreement thinking the company taking care of them knew what they were doing?
On XX/XX/XXXX the letter sent to us denying our request also stated they enclosed a copy of the PMI Disclosures signed at closing, this was not the case and was not provided. Additionally, Guild sent us updated closing disclosures after we closed as they noticed an error in what was disclosed, how, if my mortgage officer wasn't there at closing could I have known what was correct and was false?
We have been with Guild Mortgage servicing for less than six months now and they have caused a lot of harm to our family, and potentially other people 's families had I not been an honest citizen. Guild is a predatory lender and should be reprimanded as such. The way we were lied to is unacceptable and the fact that we had no one from our mortgage team there when closing to answer our questions making us feel we had to accept the terms no matter what they said, is blatant proof they are predatory lenders.
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| 01/27/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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I bought a house outside XXXX, AK in XXXX of XXXX, using a VA loan through Guild Mortgage. After I moved in XXXX, due to the military, the property became a rental. When Covid hit, my renters lost their jobs, and could not pay rent. I exhausted my personal savings paying the mortgage, and was eventually forced to go on forbearance in XXXX of XXXX.
In XXXX of XXXX, I was informed that my forbearance had reached the maximum 18 month limit, and could not be extended past the end of the month. I was told that if I call before then, to start the loan modification process, there would not be any issues.
I called them back at the end of XX/XX/XXXX, and began the loan modification process. I submitted a signed statement stating my forbearance had expired and I was requesting my loan be modified. During this process I told them I was exploring the possibility of selling the property in the future, but that it could not happen for several months at the soonest, and nothing was decided. They did not make any comment in response to this information.
In XX/XX/XXXX they denied my loan modification due to my possible intent to sell the property at some point in the future. I was told I needed to submit a signed letter stating my intent to keep the property, and that I was not authorized to sell the property if I wanted to modify the loan. This is the first time I had been made aware of this restriction. I submitted the requested document, and was permitted to reapply for a loan modification, if I included rental leases for the property tenants lasting for at least 12 months.
After missing XXXX 's mortgage payment, I called to discuss the payment process going forward, and how it needed to be handled. I was told that unless I paid the entire past due amount ( 19 months ), that they would continue charging late fees on my account, and reporting it to the credit bureau. I asked if there was any way to work around this, since the modification was taking so long, and they said no.
In early XX/XX/XXXX I resubmitted the requested statement, and lease agreements. A couple weeks later I was informed that they had decided to do a full financial analysis of my case, and gave me a long, unintelligible list of documents that they required be submitted. It took over a week to get a clear answer on the documents they needed, which ended up being over 230 pages. I submitted the requested documentation via email to them in mid XX/XX/XXXX, prior to their stated deadline, and was given confirmation that they had received them.
When I called to follow up a week later, I was informed that they had denied my application again, due to the requested documentation not being received. When I asked for clarification, they stated that the packet I sent in was incomplete, but could not tell me what specifically was missing. After another week of calling, I was finally told that all of the documents were received, but they simply did not know what some of the documents were, and so they had denied the application instead of reaching out for clarification. I was advised to resubmit my application a third time.
I had a long conversation with one of the loan counselors, and went over each document in detail to ensure I knew what they needed. I was assured that if I resubmitted the same documents with a couple additions, that I would be approved. These additions included letters explaining what specific documents were, additional income verification, as well as having my property manager sign the documents depicting the lost rental income. They then put my property into foreclosure status while they waited for me to resubmit.
Due to the Holidays, I was unable to get the required documentation signed and updated until XX/XX/XXXX, at which time I attempted to resubmit them. Their email server would not accept my attached documents, so I was forced to fax them. I was told they typically take several days to receive faxes. I called to follow up the next week and was told they had received my documents, but that there were now more new documents that they needed, as well as updates to the existing documents, dates, and signatures.
I was given a list of additional documents to provide, but they were unable to give me any detail, on answer my questions. I was told I had 1 week to submit the updates. I was transferred to the loan counselor in charge of my case, but it want straight to voicemail, where I left a message asking for clarification and an extension on the deadline. This happened again several times, with multiple loan counselors, over the following week. I have yet to speak to a loan counselor, or receive a call back. I called the day before the deadline to plead my case one final time, and was told there is nothing they can do, but that they would be happy to send an email to that department informing them of my situation. The deadline has now passed, and I still do not know what exactly they need.
I am doing everything I can to resolve the situation, but they are unwilling to cooperate. Everyone I talk to reads the same robotic script, and asks the same questions, and then transfers me to someone's voicemail. I am incurring late fees, damage to my credit, and wasting valuable time trying to give them the required information, but they keep changing the requirements, and slowing the process down, without offering any way to fix it.
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| 09/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Summary : Guild Mortgage unfairly purchased flood insurance on my property, without proper notice. Although I obtained my own insurance that was active 14 days after first being notified by Guild Mortgage of this requirement, my escrow account was still charged a prorated amount of {$880.00} in insurance premiums from a lender purchased insurance policy.
On XX/XX/XXXX I received my first letter in the mail from Guild Mortgage ( Letter 1 - attached ), indicating that I would need to obtain flood insurance on my property within the next 15 days to avoid additional coverage being added on my property.
- The top of the first letter I received from Guild Mortgage was dated XX/XX/XXXX, but not received in the mail until 22 days later.
- The letter also stated that this was the second notice, though no other letter was received prior to this one.
Also on XX/XX/XXXX, I called Guild Mortgage to inquire about this notice. I informed the customer service rep that this was my first letter I had received and I would be obtaining my own insurance. I asked if they had any explanation as to why this letter took over 3 weeks to be sent and why the first one was never received, the reps only explanation was that their mail department can sometimes be very slow. I asked if these messages could also be sent via email for faster delivery, but was told that was not possible. The rep did not inform me at this time that the lender purchased policy had already been applied to my property as of XX/XX/XXXX.
I immediately contacted my insurance company and started the process of obtaining my own flood insurance policy. My flood insurance policy was purchased on XX/XX/XXXX and effective XX/XX/XXXX ( 14 days after receiving my first notice ). I sent an email to Guild Mortgage on XX/XX/XXXX with the policy details, asking for the lender purchased policy to be canceled.
On XX/XX/XXXX, I received a second letter from Guild Mortgage ( XXXX XXXX - attached ), indicating that insurance had been obtained on my behalf.
- The top of this letter was dated XX/XX/XXXX, but received 18 days later in the mail.
- The policy included with this letter showed the annual premium was {$2500.00}, which was significantly more expensive than the policy I had already obtained for {$720.00}.
- This also stated that the policy was effective XX/XX/XXXX, even though it wasn't purchased until XX/XX/XXXX.
- Although this effective date shouldn't matter since the whole policy was obtained incorrectly, I am curious as to why Guild Mortgage would purchase insurance retroactively. Why pay for almost 4 additional months of coverage in the past, instead of making it effective XX/XX/XXXX moving forward?
On XX/XX/XXXX, I called Guild Mortgage to inquire about the cancellation of the lender purchased insurance policy. I was told by the customer service rep that the policy had been canceled and I would be entitled to a full refund of the {$2500.00} premium. I asked if that was still true even though my policy wasn't effective until XX/XX/XXXX and the rep again confirmed that I would receive a full refund to my escrow account.
On XX/XX/XXXX, I received a 3rd letter from Guild Mortgage ( Letter 3 - attached ), this time indicating that the lender purchased policy on my property had been canceled. However, this letter indicated that I would only receive a partial refund of {$1600.00}.
- This letter indicated it had been prepared on XX/XX/XXXX, and again was received over 2 weeks later in the mail.
- This letter directly contradicted what I had been told a week earlier by the Guild Mortgage customer service rep.
On XX/XX/XXXX, I verified in my online account that I did only receive the partial refund to my escrow account. I contacted Guild Mortgage customer service to inquire about this and was told the case would need to be escalated to the insurance department.
On XX/XX/XXXX, I finally spoke with an insurance agent at Guild Mortgage, who took down all of my information and said he would need to escalate to management. On XX/XX/XXXX he asked for copies of the letters that I did receive, which I sent back through email the same day.
On XX/XX/XXXX, I emailed the insurance agent again, asking for an update. He responded promptly that the case was still being reviewed.
On XX/XX/XXXX, I emailed the insurance agent again after no response for over a month. A day later on XX/XX/XXXX, I received an email from a " Vice President - Escrow Administration '' saying that they were reviewing my case and asked me to confirm that I did not receive an initial notice regarding the insurance requirement. I replied the same day, confirming that this was true.
On XX/XX/XXXX, I emailed both the insurance agent, and the VP who contacted me previously asking for an update. The insurance agent replied saying that there was nothing more he could do, and that the VP would be the one to provide an answer.
On XX/XX/XXXX, I emailed again for an update, directing the question to the VP, and letting them know that I would be filing a complaint with the Consumer Financial Protection Bureau if I did not hear a response.
After 12 more days of no response and 5 months from my first contact with Guild Mortgage, I am officially submitting this complaint.
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| 03/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This complaint is in regard to the blatant and malicious violation of federal and state law by our lender, which is causing an extreme financial hardship for myself and my family. Our mortgage lender, Guild Mortgage, is in violation of the Code of Federal Regulations Title 12 : Banks and Banking Chapter X : Bureau of Consumer Financial Protection Part 1024 : Real Estate Settlement Procedures Act ( Regulation X ) 1024.17 ( c ) Escrow accounts and California Civil Code section 2954. ( both attached ).
Guild Mortgage is purposefully and persistently overcharging our monthly escrow payment amount by approximately {$330.00} each month which is far more than the allowable amount under federal and state law.
I believe this conduct is malicious and willful, and not based in good faith error for the following reasons : When this refinance loan was originated, we had an approximately {$33000.00} HERO loan attached through our property tax payments. Our previous loan included the annual payments for the HERO loan, which was about {$4000.00} yearly, within our monthly payments as part of the monthly escrow. When we refinanced with Guild, we were required to pay off the HERO loan at closing and the {$33000.00} was included within our monthly mortgage payment. I raised a concern at the time that the estimated escrow amount continued to reflect paying for the HERO loan within the monthly escrow when we already paid off the loan and the payments for it were therefore included in our mortgage amount, effectively making us pay double for the loan each month. I was assure at that time that the escrow department would find this situation during their analysis and make the needed adjustment.
The escrow analysis department of Guild Mortgage did not recognize that the HERO loan included in the property taxes was paid in full by them at closing and we began being charged twice for the same {$33000.00} amount, as it was now included in both our mortgage payment as well as our escrow payment. I called customer service and was told to make the scheduled payment for XX/XX/XXXX even though it included an approximately {$330.00} overpayment, and that the overpayment would be credited later but that the situation should be resolved within a few weeks.
Of course, the situation was not resolved and remained unresolved as we were forced to continue making the {$330.00} overpayment in both XXXX, XXXX, XXXX and XX/XX/XXXX. This lack of correction by Guild for our monthly escrow amount requiring us to overpay about {$330.00} each month began creating a financial hardship.
In XX/XX/XXXX, I again contacted customer service sending notice of the ongoing overpayment problem and again submitting our XXXX XXXX Tax Collector details for both XXXX and XXXX showing that the approximate {$4000.00} required annual loan repayment was removed from our assessor bill. We requested that the escrow analysis department reassess our escrow payment amount using the correct projections as verified by our tax collector. Again we were told that their department would make the necessary corrections during their regular annual assessment and the new amount would be reflected going forward.
In XX/XX/XXXX, Guild Mortgage refunded {$1800.00} in escrow overpayment over a six-month period, clearly acknowledging that their previous monthly escrow amount was in error and we had been overcharged by that amount in that short time period. However, on the XX/XX/XXXX Escrow Account Disclosure Statement ( attached ), while it shows the previous projections from XX/XX/XXXX with two ( incorrect ) county tax payments of {$3900.00} on XX/XX/XXXX and XX/XX/XXXX, it discloses the actual ( correct ) county tax payment of {$1900.00} in XX/XX/XXXX. Further it goes on to improperly project for XXXX county tax payments of {$3900.00} in XXXX and XXXX of XXXX, making our total escrow amount {$8800.00} when it should be only {$4900.00} for the year. We know from the repeatedly submitted documentation as well as from Guilds own actual payments to our county tax office, that the amount they are projecting is {$3900.00} too high. This required overpayment is creating a financial hardship.
Because of the numerous times we brought this problem to their attention as well as the unimpeachable submitted documentation, including their own actual payments to our tax collector and their overpayment refund, we do not believe this is an honest mistake, but a purposeful violation of both the law and our rights. As such, Guild Mortgage should be fined and found to have substantially injured us financially, and thereby encouraged to make fair injunctive relief for our damages.
Therefore, we are requesting that CFPB complete a review of our loan escrow amount projections/charges ASAP, inform Guild Mortgage of their violation of both state and federal law regarding mortgage escrow charges and take whatever corrective action necessary to bring this to a satisfactory conclusion.
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| 10/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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We had a loan with Guild Mortgage. The loan involved a ( voluntary/optional ) escrow account from which property insurance premiums and property taxes would be paid. ALL of our monthly mortgage payments were paid via " auto drafts '' from our bank account. Our mortgage payments were current. Our escrow account was fully funded.
Guild Mortgage FAILED to pay our property insurance premium on time and Guild Mortgage has FAILED altogether to make any payment of our property tax installment.
During XX/XX/2021 we were in the process of seeking to refinance our mortgage to a lower interest rate with another lender/mortgagee. This " time period '' was coincidental with our property insurance annual premium being due ( XX/XX/XXXX ) and also a property tax installment payment being due ( XX/XX/XXXX ).
Because Guild Mortgage FAILED to pay the property insurance premium and the property tax installment payment by their due dates our re-financing negotiations with our new lender were in jeopardy because our property insurance premium was delinquent and we were thus unable to timely obtain an " EOI '' document for the new lender and also because the County Treasurer showed our property tax installment as delinquent.
Guild Mortgage receipted their " supposed '' early payments to us from our escrow account to our property insurance company and to the County Treasurer. Guild Mortgage claimed with their receipts to us that XXXX Mortgage had paid our property insurance premium of {$690.00} to XXXX XXXX on XX/XX/XXXX, well in advance of the XX/XX/XXXX due date and that Guild Mortgage had paid our property tax installment to the XXXX County Treasurer on XX/XX/XXXX, also well in advance of the XX/XX/XXXX due date.
Because XXXX XXXX and the XXXX County Treasurer both denied that they had received these claimed payments from Guild Mortgage, we were required to immediately PAY the amounts due from our own funds in order to preserve our pending refinancing arrangement with our new mortgagee/lender. We " direct paid '' the {$690.00} property insurance premium to XXXX on XX/XX/XXXX, and on XX/XX/XXXX we " direct paid '' the {$420.00} property tax installment to the XXXX County Treasurer.
Guild Mortgage on XX/XX/XXXX orally/verbally revised their original receipted information to us concerning their supposed payments on our behalf made from our mortgage escrow " trust '' account. Guild Mortgage now claimed that the {$690.00} payment to XXXX XXXX was actually made on XX/XX/XXXX through a " 3rd Party Contractor '', " XXXX. ", by means of a " bulk '' / '' aggregate '' check, number XXXX, in an amount exceeding {$58000.00}. Guild Mortgage further claimed in this same conversation that on XX/XX/XXXX Guild Mortgage paid another direct " wire transfer '' " bulk/aggregate ) payment directly to the XXXX County Treasurer in the amount of {>= $1,000,000} ( XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX XXXX and XXXX and XXXX/XXXX ) dollars, and that our pending tax installment of {$420.00} was included within this " bulk '' / '' aggregate '' payment. Guild Mortgage claimed that the " problems '' were due to XXXX XXXX and the XXXX County Treasurer being " slow '' to process these payments and post them to individual client and taxpayer accounts.
On XX/XX/XXXX we received notice from XXXX XXXX that on that day ( XX/XX/XXXX, and NOT XX/XX/XXXX ) XXXX XXXX received a payment dated that same day ( XX/XX/XXXX ) for {$690.00} as payment for our XXXX property insurance premium and that XXXX was therefor issuing a refund payment check to us in that amount,. We received the {$690.00} refund payment check from XXXX XXXX two days later.
The XXXX County Treasurer 's Office has informed us, as of the writing of this CFPB complaint, that the XXXX County Treasurer 's Office has still NOT received any payment from Guild Mortgage in the amount of {$420.00}, as payment for our tax installment.
Our Guild Mortgage was PAID OFF on XX/XX/XXXX. Our " re-fi '' was completed. As of this date we still have not received a final, closing statement from Guild Mortgage with a complete accounting, itemizing the settlement of our mortgage and the settlement of our escrow account.
Guild Mortgage 's only venue for client communications is via telephone calls. We have made literally dozens of telephone calls to Guild Mortgage over a period of two months ( each time speaking to another/different agent in " customer service '', to absolutely no avail. There is no continuity as to WHO within Guild Mortgage if anyone is assigned to handle our complaints in this matter.
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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 |
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I recieved a notice today on my door from The Guild Mortgage Company that my Loan and mortgage is in defualt due to the beneficiary authorized agent has excersized due diligence to contact teh borrower and the borrower did not respond '' This is absolutely not true. I as the third party on the mortgage of my property that i was awarded in my divorce and added as a third party on the loan years ago, i have contacted Guild Mortgage several times, and due to an error on their part, someohow they have removed my name off of the loan and refused to talk to me. My attorney i had used at the time of my divorce that had handled my name being added as a third party onto the loan, has written and sent a letter 8 times to Guild Mortgage regarding this error and they have not responded.
after my name was added as a third party onto the loan with The Guild Mortgage Company, I applied for and was granted the Forebearance program for a year, in my name, when the year was up, i recieved a letter that i owed the {$36000.00} and i contacted the company immediatly, and they refuse to speak to me because they said now, my name is not on the loan. Obviously it was when i was awarded the forebearance program. My loan being in default and my property being up for auction is due to Guild Mortgage refusing to communicate or work with me at all because of their mistake. Furthermore, the documentation that The Guild Mortgage Company recieved when my namme was added to the loan, i assume has kept a copy of or records for their own protection and account history, and when the forebearance program ended and the loan came up to make arrangements to start payment on, I find it difficult to believe that the company did not look into the account and see that i was added as a third party onto the loan and had been awarded the forebearance program under my name. The error needs to be corrected, the reason my loan is in default is Guild Morgtgages fault, due to their refusal to speak with me or deal with me at all, and the notice i recieved with the attatched copy of the declaration ursuant to rcw 61.24.031 ( 2 ) in which the box # 4 is marked that states " the beneficiary or beneficiary 's authorized agent has excersized due diligence to contact the borrower as required and the borrower did not respond '' is a lie. they have refused to speak to me, and further more, my attorney that assisted me with getting me added to the loan as a third party has sent the same letter 8 times to guild mortgage I myself have called more times than i can recall to count.
My account needs to be brought out of default immediatly, my name needs to be added back onto the loan as a third party, like it was before, and was on there during the application for the forebearance program for the covid 19 pandemic, and when i was approved for the program until it ended and now suddenly my name is no longer on it and Guild has refused to speak to me, or the attorney that has sent them numerous notice of error letters, and furthermore refused to even look into the loan account history and validate that my name had been added on as a 3rd party after my dvorce when the property was granted to me. Her name has been removed from the deed of the property as per the judgement and the judges signiture in leu of a signed quick deed.
furthermore I need reimbursed for the stress and time and money i have spent trying to resolve the issue with Guild Mortgage, The treatment from Guild Mortgage has caused me such an enormous amount of stress that is affecting me physically and causing me health problems.
I need to be given the options given to every other borrower that was awarded the forbearance program from the covid 19 pandemic, and be able to either set up future payments on my loan with The Guild Mortgage Company, or the ability to possibly sell my property and pay off the loan, or part of my property to pay off the loan, which i will be unable to do due to the default status it is now in, and due to Guild Mortgage refusing to speak to me or allow me to make arrangements or find out what my options are now that the pandemic forebareance program year ended, that now because of that i am at serious risk of loosing my property that i have paid the majority of it off, and it appears that this error on their part is more than convenient and i would not be surprised if this " error '' ends up being a practice that Guild impleminted to several other consumers with the same history of divorce and name changing on the loan, and possibly becomes a class action law suit.
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| 03/06/2021 |
No |
- Mortgage
- Other type of mortgage
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Web |
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On XX/XX/XXXX, my wife and I entered into a purchase agreement to purchase XXXX XXXX XXXX, XXXX NV. We contacted XXXX XXXX of Guild Mortgage in XXXX Nevada to help us gain a loan for the property. Our intent was to use a 1st and 2nd loan and provide a 10 % down payment. The close date on the purchase agreement was XX/XX/XXXX.
On XX/XX/XXXX XXXX emailed us a question about a prior forbearance on our loan at existing property. In fact, we had been in forbearance for a few months, but this ended on XX/XX/XXXX. A letter from our lender, XXXX seemed to clear this with Guild Mortgage Underwriting.
On XX/XX/XXXX we received another email from XXXX explaining a rule for loans coming out of forbearance, a rule requiring 3 mortgage payment be made on the loan to satisfy XXXX XXXX guidelines and satisfy Guild Mortgage Underwriters. We had already made 2 payments, but the 3rd would have to be made in XXXX, so a request to extend the closing date was requested.
On XX/XX/XXXX the seller signed an addendum extending close to XX/XX/XXXX.
On XX/XX/XXXX we received an email from XXXX notifying us the lender of the 2nd loan, XXXX XXXX was not going to move forward as their understanding of the XXXX XXXX guidelines push the possibility for a loan to start process with them out to XXXX. At the time XXXX suggest using a different 2nd loan lender, XXXX XXXX, stating I went over the forbearance with them and they said they will follow Guilds underwriting. We move forward with the new 2nd loan lender.
XX/XX/XXXX the seller signs an addendum extending close to XX/XX/XXXX, we also agree to a {$160.00} daily extension penalty to the buyer.
On XX/XX/XXXX we received a Statement of Lock Policy and Re-Issuance of Loan Estimate from Guild Mortgage. In the Re-Issuance of Loan Estimate document there is a written request to please sign today so we can get the Closing Disclosure out tomorrow. We signed the document at XXXX on XX/XX/XXXX.
Further at XXXX on XX/XX/XXXX, I spoke with XXXX XXXX times during the day, attempting to confirm XX/XX/XXXX closing. He texted me Closing Disclosure was requested this morning and you will receive tomorrow XX/XX/XXXX. I asking if it is possible for XXXX to hold things up. I asked this since XXXX had several time states Guilds part of the loan is approved and ready, and we had not heard a final approval from XXXX XXXX. XXXX texted back its always possible until they send their loan docs and their funds, but it would be pretty surprising based on their last correspondence.
At XXXX on XX/XX/XXXX I texted XXXX again, stating we must hit the XXXX for close. We committed to the XXXX based on your discussion with agents. We could have made it XXXX-XXXX but it is XXXX. We need to close on the XXXX or sooner! XXXX replied we will do everything in our power to meet that but as you know we have not control over XXXX. We will continue to push on the however.
XX/XX/XXXX XXXX provides conditional approval. The approval requires XXXX and I to make a payment in the amount of the deferred mortgage payments relating to our past mortgage forbearance. We did so on XX/XX/XXXX, after clarity from XXXX on what we had to do, just make a principal payment.
XX/XX/XXXX, I text XXXX asking to confirm if we are closing on the 27th. He texts back that he will call everyone, and that XXXX has not approved yet. I tell him we want to get the conditional payment to XXXX made, and he text dont do it yet because the seller is going to have to extend so we need to make sure you get that first.
I have a phone conversation with XXXX and just can not believe after all this time we are going to miss this by one day. I explain to him the seller is already requesting to cancel the purchase so this can not happen.
Our Real Estate Agent is now asking if all is ready for close.
XX/XX/XXXX, We still do not fully understand if we are closing or not today. At XXXX XXXX text me that at this point we can not sign until tomorrow due to federal regulations. We later understood this to be that we did not sign the Closing Disclosure document in time for a 3-day rule.
We do learn that both 1st and 2nd loan documents are at the title company, ready to sign on XX/XX/XXXX.
XX/XX/XXXX Seller Cancels contract.
XX/XX/XXXX I ask XXXX what happened since the Re-Issuance of Loan Estimate stated XXXX and I would receive the Closing Disclosure on XX/XX/XXXX in preparation for XX/XX/XXXX close but did not until XX/XX/XXXX.
I have not heard back from XXXX.
|
| 02/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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My name is XXXX XXXX and my loan number is XXXX and I am completely frustrated with Guild Mortgage Customer service. I have done XXXX mortgages with them previously that had issues with the impounds being paid late, both property taxes and insurance being paid late which I finally got fixed and was all the error of Guild Mortgage. I then refinanced with them last XX/XX/2021 and again my impound account was not being properly handled by their company.
In XXXX, Guild had paid my property taxes for XXXX quarter on the old loan and then the title company collected second quarters taxes and paid them in XXXX even though they were not due until XXXX and then when XXXX Quarter taxes were due in XXXX, Guild failed again to pay the taxes on time. The first time it happened on the old loans I paid the additional money direct to the tax collector to resolve the issue, all the penalties and then got a refund from my impound account. On the new loan and on their website it shows no information is available on both the taxes and insurance for due dates ( it shows invalid date ). So right now the county tax collector wants my XXXX payment immediately with penalties and the next quarter taxes for XXXX quarter are due on XXXX, which I am sure will be late again.
I contacted my loan officer who told me it would take XXXX days for customer service to respond and then I was told that the tax department would take a few more days to respond and then on XX/XX/XXXX I was told they had sent the money and penalty but she could not clarify when so she would have customer service call me.
Customer service is telling me its XXXX XXXX XXXX XXXX problem, XXXX my loan agent tells me customer service said it was their error and paid the taxes and penalties, but that shows nowhere and I am completely tired of spending days on the phone trying to resolve an issue that is clearly POOR CUSTOMER SERVICE on Guild Mortgages behalf. Depending on who you talk to you get different answers.
I am attaching an email from XXXX XXXX XXXX so you can see their response also showing they were the last ones to make a payment to XXXX XXXX XXXX for my property taxes. I have enclosed a copy of the delinquent bill from XXXX XXXX, I have included a copy of my impound account. I have included a copy of the XXXX XXXX treasurers website showing the same delinquency.
I spoke to XXXX XXXX 's office who is a branch manager on XXXX and they said he would call me on XXXX, but he did not, I had to call him and then he told me because he had responded to my e-mailI from XXXX asking for help he did not call and it was not him who could help even though his office said he could. He proceeded to give me a history lesson on title companies and impound accounts which I told him I did not need. He was not even understanding the problem. He also said in his XXXX years there he had never heard of this happening and almost implied that since this is the third time it happened to me, maybe its something carrying forward from my loans. That is not the issue, they are not properly servicing their accounts on time. He told me he does not handle it and has referred it to their Operations Manager XXXX XXXX, but you can not talk to their operations and when you call customer service you are holding for hours to talk to someone. I do not think this should take so long when my impounds clearly have enough money in them to pay them and pay them ON TIME. He said I needed to give them more time and that because I had not spoken to him before that is why they needed more time ( like him calling made a big difference ), but remember he can't fix it. In addition, he told me when I called his office they should have never set up an appointment with me because he is in Georgia. Apparently they don't understand that as a paying customer on time with great credit, I do not want to get the run around and should expect that they apologize and resolve the issue. How his internal functions work is not giving me great customer service.
I do not think it is unreasonable to expect this matter to be resolved immediately showing that all my taxes through XXXX are paid and all penalties resolved, the website and account corrected so that I do not have this issue again.
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| 04/30/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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In XX/XX/XXXX I entered into a payment arrangement with Guild Mortgage because I had fallen behind in my Mortgage. I had stated at the time that I had fallen behind due to issues resulting in short term XXXX as well as the fact that I had lost my job. At the time of entering into this agreement with Guild Mortgage I had fallen 9 months behind in my Mortgage which is was XXXX not including late charges and other fees associated with taking this repayment plan. There were also late fees of I believe are XXXX per month. I agreed to pay XXXX a month to Guild Mortgage to get my loan caught up startin g XX/XX/XXXX goi ng to XX/XX/XXXX . I have stayed on this plan since agreeing to pay this amount. This agreement has language in it that states that I can not be late on a payment or the whole loan or past due amount would become due. For the month of XXXX I sent in the wrong amount for the loan payment and Guild Mortgage returned my payment to XXXX XXXX which caused my loan to be late. I contacted Guild mortgage to find out why my loan payment was returned and that is when I found I had sent the wrong payment amount. No call or anything just sent it back. Not sure if I have a Special Point of Contact, it is always someone different when I call in. The same day I called Guild I had received a letter in mail stating my whole past due amount was due because I was late with the correct amount of the payment. I called Guild Mortgage back and asked why they were calling in my loan and was told because it was late to which I explained the payment was in but the wrong amount was sent. That I was sending the loan payment back in with the correct amount. They agreed to this so I sent in the paymen t which was now into XX/XX/XXXX later that month I sent in XX/XX/XXXX payment and I was still on schedule to pay loan off on the agreed upon time schedule.
For my XX/XX/XXXX payment I f ound mys
elf again with some issues as we got hit with a hail storm and my vehicle was damaged really bad
and had to be fixed. also my association fees became due in my subdivision these took up monies put aside for Mortgage. I called Guild to let them know my situation and was told I could not be late but once according to the VA. I said I would make payment on XX/XX/XXXX for XX/XX/XXXX and Pay XX/XX/XXXX payment before the end of month. I was told this was against the VA policy. I then asked for the number to the VA and was told I would have to google it. I understand that Guild Mortgage is a business and they have to be paid but this company appears to be more interested in foreclosing on my loan than truly allowing me to to catch this loan up. I have paid this loan down from 9 month delinquent to 2 months if they were to accept my payment and let me catch this loan up fo r XX/XX/XXXX . Since I have fallen behind have received more threatening mail and phone calls than advise and counseling to get through this loan situation. Their solution is calling loan in or forcing me to go down the path of loan modification which is not an option. I will have this loan back on schedule by XX/XX/XXXX as planned. This is a VA loan and I am an XXXX XXXX veteran and I am just asking for an opportunity to live without the fear of losing my home. The plan will still be on track through the month of XXXX . It appears to be an excessive amount of fees associated with my loan and these fees has have taken up money that could be going toward my loan. I have not received a print out of these fees, but they appear to be excessive. I feel as though I am being forced into foreclosure by this companies action. Do not feel as though I am customer, feels more like nothing more than a debt collection agency. Customer Service Level is about the same. I am also going to contact the CEO of Guild Mortgage, XXXX XXXX XXXX . This can not be the vision of this company that she has in mind. I feel as though I am abused as a customer and am being offered no real assistance, the very minimum assistance has been offered to satisfy regulators only. Retaining life long customers does not seem to be in their customer service model.
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| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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My husband XXXX XXXX XXXX and I, XXXX XXXX, were on a forbearance program with Guild Mortgage after the Covid 19 shut downs. Those lockdowns destroyed our seven year Auto Appraisal business with a robust income. We have never fully recovered from that. We opted to get off the forbearance in XX/XX/XXXX and spent the next year plus applying and being denied to resume our house payments. I wrote you for assistance on getting the loan modification through. We finally reached an acceptance of a loan modification in XX/XX/XXXX, this year. We have way passed the 3 month review period and have been working on rebuilding our credit, from all the covid aftermath. All three of our credit reports show our Guild Mortgage payments 180+ days late on the months of XX/XX/XXXX- XX/XX/XXXX. There is also a foreclosure notice on one of the reports. We were never in foreclosure.
I have asked Guild to remove these marks as they have ruined our credit beyond repair for at least a year.
I wrote to Guild : I am asking for these 180+ day marks to be removed from all three reports of both myself and my husband 's. We were on a forbearance program, trying to get off and applying for loan modification. Please remove the 180 day marks and foreclosure mark from our credit.
Guilds response was that while we were in the process of applying for a loan modification to get off the forbearance program, they ( Guild ) sent us two denial letters, one in XXXX and one n XXXX. The credit account person XXXX XXXX referred me to. She told me that when we were denied, we were marked as 180+ days late because we are no longer protected under the forbearance program. Yet we had our loan modification accepted in XX/XX/XXXX. So it was in process all that time, and I have correspondence from Guild during the months of XX/XX/XXXX-XX/XX/XXXX.
These 180+ late marks SAY FORECLOSURE to any creditor. This is keeping us from raising our credit back to pre-covid scores which were good. This is how we bought our home, with good credit. Since we were still trying to get the loan modification and in process, I believe it is unfair to mark us for these months as delinquent. That does not tell the story properly. During those months of trying to exit the forbearance program, I wrote numerous letters to Guild, asking if we could just resume our house payment, and there was never any response. Just requests for more documents to prove we can make our payments going forward. We were not notified that we were OFF Forbearance. We assumed since documents were still going back and forth with an invite to re-apply... that we were still officially on Forbearance.
Guild mortgage seems to want to keep us from rebuilding our credit and in the end, has done more harm than good helping us with the forbearance. Our credit is destroyed with these 180+ late marks and It could take years for those marks to naturally fall off.
I am asking why does Guild mortgage want to destroy our credit and then give us a loan modification which was approved in XX/XX/XXXX, one of the same months that we are marked as 180+ days late? And one of the reports said we were in foreclosure, which we never were.
When I asked Guild to remove the marks, they said they would remove XXXX, XXXX, XXXX and XXXX, but leave XXXX and XXXX as 180+ late. So that will continue to leave our credit in the 400s and 500s because of those marks! Why cant they just remove all the 180 marks? I believe they want to make it so we can not purchase another vehicle or refinance the house, they are making it so we can not move forward.
I am asking you to get Guild to remove those 180+ late marks, and the foreclosure from both myself and my husband 's credit reports, all three reports!!! We desperately need to replace a vehicle for work, as the one vehicle we have is old and failing. There is just no reason why they can not do that, we are asking for help on this. It is not right what they are doing with this and honestly, they are the worst mortgage company we have ever had and I long for the day we can refinance away from them. Its like they know that and are keeping us from doing that! Please help!!!
Sincerely, XXXX XXXX & XXXX XXXX
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| 02/04/2019 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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in XXXX I applied for loss mitigation options. I was approved by Keep Your Home California for a loan forgiveness program. My lender, Guild Mortgage, denied the assistance from the loan forgiveness program without a written or verbal explanation. Guild mortgage denied me numerous times for any loss mitigation options without written explanation. In XX/XX/XXXX Guild mortgage informed me that I must be 90 days late in order to receive assistance. After several denials, in XX/XX/XXXX Guild mortgage approved me for a 3 month special forbearance with a temporary payment plan set to begin XX/XX/XXXX amount of {$1900.00}. During this time, Guild was concurrently pursuing default on the home. In XXXX, my income decreased and I was asked to submit an application for a modification and a partial claim. That same month, I was approved for a partial claim and HAMP tier 2, however, the payment given to me was over 40 % of my gross income and my interest rate was raised from 3.75 to 4.25 %. Guild informed me to sign the agreement or foreclose.
Immediately afterwards, I requested another loss mitigation option and was verbally approved for a one year forbearance with a payment that suited my income and verbally promised payment arrangements for all remaining arrears. Five months into the special forbearance Guild demanded around $ XXXX in arrears to be paid immediately. In XXXX to XX/XX/XXXX Guild mortgage verbally demanded around {$4500.00} in payments, {$5000.00} in XX/XX/XXXX, XXXX {$10000.00} and another {$17000.00} or so in XX/XX/XXXX. I was forced to borrow and pay over {$30000.00} within 6 months or lose my home. I requested on several occasions documents, notices in writing and copies of cancelled checks, but my requests have and still are being ignored.
XX/XX/XXXX arrears was XXXX Forbearance Payment amount XXXX for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Forbearance extended from XX/XX/XXXX - XX/XX/XXXX in the amount of XXXX. However, without notice Guild broke the contract and I was told to make payments in excess of $ XXXX XX/XX/XXXX - Guild verbally informed me that the forbearance was over and there were no more options available to me.
The partial claim applied to my principal account is in the amount of {$85000.00} and the note indicates {$100000.00} owed with zero interest.
I paid roughly $ XXXX in past principal, piti, pmi, fees, late payments etcetera. However, I do not understand why the lien note states {$100000.00} is due upon sale of home. How is this calculated when Guild applied {$85000.00} to principal and I paid all of the fees that were advanced by Guild Mortgage.
My modification did not meet the guidelines for the HAMP program and was well above what I could pay at that time. I requested that my income be reviewed and the loan to be modified and I was ignored, threatened with foreclosure and forced to pay all back fees immediately. Guild did not give me written notices or information on my loan modification. I did not know the terms of my modification until I received the contract in the mail.
I was approved for a loan forgiveness program from KYHC, and Guild subsequently denied to accept it, without reason, which was a huge financial loss.
I did not receive any notices or written communication from Guild in terms of denied applications, modificatification or forbearance terms. I also did not receive any notices for lump sum payments, amounts or the due date while being in a forbearance agreement. I have not received a response to my verbal and written requests for my file and contract information.
Additionally, I requested the removal of mortgage insurance, due to my LTV is now below 78 % on the principal balance due and I was denied.
When I requested the late fees to be removed the wording was changed from late fees to other, but not removed.
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| 08/10/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
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I am writing to file a complaint with Guild Mortgage ( specifically the XXXX XXXX in Texas ). I was a first time homebuyer and the process of completing my mortgage and purchasing my new home was beyond challenging. I selected Guild b/c they were on the list as a lender for the Texas Homebuyer programs and Mortgage Credit Program ( and they supposedly could do both ). The process was extremely tedious and although I realize i was to be an active participant in the process, the amount of time that I had to dedicate to contacting my mortgage officer and team was extreme.
It always seemed as if my file had not been looked at until I either called or emailed ( mostly emailed ). I was ill informed of the process and had to research extensively in order to get information regarding the process and some things were never explained to me. I was upfront about the programs that I wanted to use, however Communication was non-existent unless initiated by me, which made it beyond stressful b/c I have a Full Time job! I had XXXX closing dates, was not able to do a walk-thru on the house and did not get the Mortgage Credit Certificate, which I did n't find out until AFTER I got to the closing table and did n't see mention of it. Because of the lack of communication between my mortgage team and my realtor, I missed XXXX closing dates ( did n't even come close ) and almost missed the last one. The seller of my home was in a rush to sell and was eager to put the home back on the market, which the entire team knew. However, it still seems as if that was not urgent enough to meet the deadlines that we had throughout the loan. I was faced with homelessness each week because I had given up my lease thinking that I would be closing on my home. AND after I convinced my landlord to let me stay another 30 days, pushing back the new renters move in date, I had to pay rent for a month on a place that I did n't even live in anymore! When all was said and done, by the Grace of God, I did get my house, however, the money that I had to spend due to the missed deadlines/closings has placed some financial strain on me and my daughter. Even after I closed on the home and had moved in, the manager from Guild contacted me to ask for more paperwork, that I had ALREADY sent to them before closing. Not to mention the, the fact that Guild did n't even apply for the Mortgage Credit ( that I can no longer qualify for b/c I 'm no longer a 1st time homebuyer ) which, would have helped me by giving me a financial safety net for years to come. To top this off, After completing the survey for Guild, which I was reluctant to do because I did n't have much to say that was positive, I received an email from the manager of Guild XXXX BERATING me for giving her a negative review, after all of the stress that my loan put everyone else through. Not an apology for the stress that I was subjected to as a result of the mishandling of my file. However, I am not surprised because it is further evidence of the lack of professionalism with which my loan was handled. I am not sure if this is how your company handles all loans or, just people who use down payment assistance programs, but I 'm I am certain that this kind of behavior is not that of someone in leadership positions and can only hope that no other consumers have to endure the same issues that I have endured with this company on the road to home ownership. I believe that because I was fairly calm during the process that XXXX XXXX assumes that It is ok to berate me regarding her " disappointment in me '' regarding my comments on the survey that I completed. The proper response from her should have been an apology or no response at all. I am filing the complaint so that Guild can look into these issues and prevent further customer issues with this manager/comp in the future
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| 06/15/2022 |
Yes |
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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Proof of identification and address is attached to this complaint, this should serve as such throughout this correspondence.
XX/XX/XXXX To : XXXX XXXX, XXXX GUILD MORTGAGE XXXX XXXX XXXX XXXX XXXX, CA XXXX FROM : YOUR NAME YOU ADDRESS Dear XXXX XXXX : Your GUILD MORTGAGE XX/XX/XXXX statement is being accepted and returned for value as consideration for settlement and closure of this account for the full amount of $ XXXXprincipals balance.
It has been noted on the payment coupon AKA bill/statement that this 100 % value coupon is being accepted for the value indicated {$230000.00}. I wish to thank you for obtaining the funds from my government-created Cestui Que Trust account for me in order to prepay this obligation ( 15 USC 1602L ). You could have informed me about this process a long time ago as it could've prevented my family and I unnecessary financial stress.
The required IRS form 1099-A is attached to document/cover the process of this transaction for the funds that you have withdrawn from U.S. Treasury CESTUI QUE Trust Account XXXX XXXX XXXX ( XXXX XXXX XXXX ) SSN # XXXX. The 1099-A is included so the IRS accounting department can properly account for the transfer of these funds from this account to your account.
The first item on the 1099-A is for an Acquisition means for the Lender ( buyer, purchaser, acquirer ) and the Borrower ( seller, supplier, provider ). By the correct understanding of the form, this means that the debt as noted in box 5 is really a payment, and this 1099-A is documenting that fact.
If you have any questions, you can write me at the location above. If it is not written to this proper location, your mail did not meet proper service and shall be returned to its sender as soon as possible. So please update my mailing location as you were directed to do so as well as send me a True Invoice of a bill, NOT a statement of a bill which is a direct violation of proper response and your duties to me. This entire transaction was fraud, beginning with 18 USC 8, all obligations are that of the United States, and again under 15 USC 1602L, all bills are prepaid when I used my social security number to extend my open-ended credit line you, GUILD MORTGAGE.
A little extra information for you : BE INFORMED. Any actor, agent, or fiduciary who delays, restricts, or otherwise prohibits the movement of this Negotiable Debt Instrument in its lawful progression* destined to or for the Holder in Due Course, Secured Party , or Claimant must show cause why a contempt charge** should not be issued against him/her in his/her/their true character, or suffer the consequences of said action or lack of action.
It is noted that said actors, agents, and fiduciaries are subject to the self-executing regulations of the 3rd and 4th sections of the 14th Amendment to the Bill of Rights to the Constitution for the United States of America whereby their offices are vacated, and their salaries and retirement benefits are extinguished when they do not perform the duties of said offices.
*Established in 1933 under H.J.R. 192 and exercised by actors, agents, and fiduciaries of every commercial transaction by commercial banking institutions since that date with the Abrogation of the Gold Clause.
**Damages equal to double the amount of the Negotiable Debt Instrument ( under civil action ) or triple the amount of the Negotiable Debt Instrument ( under Admiralty Jurisdiction ).
Copies of all paperwork shall be forwarded to : To : U.S. Securities and Exchange Commission ( SEC XXXX Office of Investor Education and Advocacy XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX To : DEPARTMENT OF TREASURY INTERNAL REVENUE SERVICE XXXX XXXX
XXXX, TX XXXX To : XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX Thank you, XXXX : XXXX XXXX XXXX, All Natural Inalienable Rights Reserved
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| 02/28/2021 |
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
- Problem with personal statement of dispute
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Web |
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I refinanced my mortgage with XXXX XXXX at XXXX XXXX in XXXX of XXXX. I originally started the process in XXXX because I reached out to guild Mortgage and asked about refinancing my mortgage.
Because I am self-employed, they made it sound like they did not want to help me. I reached to my friend XXXX XXXX at XXXX XXXX and he said could help but it might take a little work because I am self-employed.
We began the process and Guild Mortgage reached out to me again and tried to offer me a better offer, but I decided to work with XXXX XXXX because he was more willing and able to help me with my self-employment income situation.
The process with XXXX took almost 3 months because of my income and documentation that we needed to obtain all while I am working 40 hours a week and dealing with my son travelling as well as my girlfriend 's mother being in the hospital so getting all that we need took a little time.
We finally got the approval on my mortgage loan and were ready to close in XXXX and were able to sign and fund by the end of the month on the XXXX of XX/XX/XXXX. At that time funds were received by escrow at XXXX XXXX to record and fund the loan on XX/XX/XXXX.
In early XXXX I asked XXXX XXXX if I should make my mortgage payment and he mentioned that if we closed in XXXX that was not needed because we had an updated payoff from Guild Mortgage.
The loan with Guild Mortgage also had my son XXXX XXXX XXXX on the loan as a co-borrower and this has affected him.
In XXXX of XXXX, my son XXXX XXXX XXXX was notified by his bank credit reporting that he had been reported by Guild Mortgage as late 30 days. This cost him XXXX points in his credit scores, and he reached out to me.
I was angry and began to reach out to XXXX XXXX and he suggested that I call Guild Mortgage which I did, and they asked me to provide more information and details, so I called XXXX XXXX again.
I met with XXXX XXXX and he provided me a copy of my settlement statement that showed the funds received at XXXX XXXX on XX/XX/XXXX and the recording numbers for the new loan.
I provided this information to Guild Mortgage along with my request to remove the 30-day late payment and followed up with a phone call on XX/XX/XXXX when I received the email which is attached.
During the phone call what happened is astounding because it is what appeared to be a biased decision because I did not refinance with Guild Mortgage.
The representative that I spoke with said to me that if I had refinanced with Guild Mortgage and this happened that they would not report me as late but because I refinanced with another lender, we are reporting you as late. The discussion continued and I was told that since I refinanced with somebody else, they would not remove the late payment.
This is not fair and honest business practices and because of this I would like to have them investigated as well as remove my 30 day late and to find out if any other consumers received the same treatment as me and my son have experienced.
This is not an honest business practice and I hope that you will assist me in getting to the bottom of this and helping me to get my and my sons credit report restored because me and my son have both worked hard and spent our lives being honest and taking care of our much-valued credit.
XXXX XXXX at XXXX XXXX has been very helpful to me in working to correct this and is always available. He also believes that since the new loan was funded and recorded on the XXXX of XX/XX/XXXX because you can not have 2 first mortgages recorded at the same time and the new loan was recorded that the funds should have been provided to Guild Mortgage the same day XX/XX/XXXX as well as their loan release of lien recorded the same day as the funding which would create no 30-day late payments.
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| 10/11/2016 |
No |
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- Credit decision / Underwriting
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Web |
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In XXXX of XXXX, I met with a local rep from Guild Mortgage and was given a verbal pre-approval on a home loan. In XXXX. I found a home and wrote an offer. After 90 days, 4 extensions on the loan approval date and countless discussions with Guild management, the loan still was not approved or denied. At each extension I was told we were " almost '' ready to close. Since this was my first attempt at purchasing a home, there were many things I did not know. I have since discovered that I should have NEVER been given a pre-approval on a XXXX loan with a XXXX annual income and over XXXX in vehicle debt. I now know that when calculating the debt/income ratios, those numbers simply do n't work. I did not know that then, and relied on my contact at Guild to be professional, honest and reliable.
So, I proceeded with the transaction based on information I was given by Guild. Our original close date was XXXX/XXXX/XXXX. Loan approval extensions were written on XXXX, XXXX, XXXX and finally to XXXX with a closing date of XXXX. On or around XXXX Guild came back and told me they could not continue the transaction if my XXXX ( my mother ) did not relinquish her responsibilities as Buyer 's Agent and assign someone else to complete the transaction. This relationship obviously was disclosed in the initial paperwork -- and after 2 mos. they decided it was an issue. When they were asked about this, even Guild upper management was unsure why -- but insisted it must be done. Finally after my agent researched and found it was not a XXXX issue - Guild said it was their own underwriting requirement which apparently no one knew. It seems that should have been one of the first things addressed ... not the last. On XXXX an Addendum was written to address that. I was initially told that XXXX of vehicle loans would not be considered as part of my debt because there were less than 10 payments to be made. At the end of XXXX -- they told me that was wrong and that the debt would have to be considered or paid off. Another issue that should have been addressed immediately, not a week after the original close date. Despite continued efforts to get the loan processed they still could not approve or deny. Many days, I left work early to instantly provide any and every piece of documentation they asked for. When the XXXX loan deadline came and they still had no answer -- I pulled my paperwork and went to another lender in a desperate effort to get this pulled together. He went over numbers with me and told me the only way I could meet debt to income ratios would be to payoff or sell both vehicles prior to close. He could not understand how a pre-approval was given to me under the circumstances. He actually did the math with me so I could see, that Guild should have never given a pre-approval. I sold one vehicle at a loss and paid off the other. They said there was no problem with my XXXX being my Mother since it had been disclosed in the initial paperwork. They started loan app on XXXX/XXXX/XXXX and came back with a verbal approval on XXXX/XXXX/XXXX. They were able to accomplish in less than 10 days when Guild could n't do in 90 days. Unfortunately, that did not allow enough time for me to close the deal prior to the XXXX final deadline and XXXX XXXX would not extend. So I lost the house.
Obviously, had Guild been diligent in their process of working debt to income ratios -- and told me I needed to get rid of XXXX in debt in order to qualify I would not have initiated or proceeded with the transaction. I would not have spent or risked earnest money, nor would I have paid for inspections and appraisals had the full picture been disclosed upfront.
This is gross negligence from a nationally recognized lender. Guild management has not responded with expertise, honesty or integrity.
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| 11/19/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
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For me " Buying a home is XXXX the most important & rewarding decisions ... a true American dream. '' Well, that changed for me beginning XXXX XXXX, 2015. I have been re renting for years & this is or was the year I wanted to invest in my house ( home ). Guild Mortgage XXXX XXXX my dream into a nightmare. The names associated with my discouragement, frustration are Guild MortgageXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, builder 's lender with Guild Mortgage- XXXX XXXX XXXX I thought a divorce was bad, this is the worst experience I 've ever had & ever want to have. I would never never ever recommend Guild Mortgage or XXXX to anyone. I faxed my documents ( XXXX 's XXXX, XXXX XXXX XXXX XXXX, recent bank statements, pension annunity statement, recent paycheck stubs, copy of driver license & social security to Guild Mortgage XXXX times=once to XXXX, XXXX XXXX, 2015, once to XXXX XXXX XXXX XXXX XXXX, 2015. XXXX said they never received the ones for XXXX & I faxed them XXXX to XXXX. Also faxed XXXX copy of 8 hr course XXXX XXXX & XXXX, 2015. XXXX also said she had n't receive the first XXXX. Once to XXXX on XXXX XXXX, XXXX she needed recent paycheck stubs & XXXX copies of certificates for programs=certificate of achievement & XXXX is an 8 hr course for buying a home. Other fax of my documents were sent to XXXX XXXX XXXX XXXX XXXX. My credit report was pulled 4 times, XXXX, XXXX, XXXX XXXX XXXX. I was told I was approved by XXXX, XXXX XXXX, 2015 for {$150000.00}, XXXX XXXX, 2015 by XXXX for {$180000.00}, XXXX on XXXX XXXX, 2015 for {$40000.00} on first phone call & XXXX back saying {$85000.00} on the other asking me to put my pension in annuity & my loan would be approve. I had transfer my loan from XXXX to XXXX after finding the house because everyone was having challlenges concerning the programs & grants & she was recommmended to me by XXXX XXXX who is the main contact with programs for Guild Mortgage per XXXX XXXX who is the contact for XXXX programs.
XXXX have been playing around with my loan even up until today, XXXX XXXX, 2015. I have been calling her, emailing her, texting since she been working on my loan and I finally got her Friday & she asked me to fax her some of the same documents that guild mortgage already had. When she first got my loan, I email her a copy of my loans estimation for FHA & conventional done by XXXX & she said she saw a lot of incorrect things & email XXXX XXXX tried to talk to XXXX but he was n't responding. She then said he would n't release my documents & I sent him, XXXX, XXXX, XXXX, XXXX their regional manager and XXXX an email to release my recent documents to XXXX. I found out o er the weekend that the builder, XXXX XXXX XXXX suggesting to the his loan officer & XXXX to tell me to put my money in annuity in order for me to get my home. The house is XXXX XXXX in XXXX, TX. Now what business is it of the builder to be discussing my finances with anyone. He did it with the my realtor, XXXX, XXXX his supervisor XXXX. XXXX told me everything was ok XXXX XXXX. XXXX called me on the XXXX & said my loan was denied per XXXX. XXXX called me twice on XXXX leaving voice mail, he 's the person that can keep me on or off the house. I tried to called XXXX XXXX, XXXX, XXXX, XXXX & XXXX & she answer once on XXXX told me she was working on my paperwork to make it work & then I get a text from my realtor on XXXX that he talked to XXXX & that XXXX was tearing up my contract & XXXX still have my {$1.00} check ( earnest money XXXX & then XXXX finally decided to call me when she knew I could n't answer because I sent her a text with calling times for me & said the best she could come up with is XXXX & I pay about {$180000.00}
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| 03/20/2017 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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In XX/XX/XXXX, I received a letter from XXXX stating that I do not occupy the property located at ; XXXX XXXX XXXX, XXXX, XXXX XXXX. I have contacted the law firm to discuss this matter. I was instructed to submit documentation, from my bank showing that I pay my mortgage to Guild mortgage monthly. The information was submitted and addressed to XXXX XXXX, attorney, who is listed as the attorney on record handling my case. Since speaking to XXXX XXXX, I have not received any response from the Law Firm. I have left several messages on his voice mail. Voice mail left on the following days ; XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). I have contacted Guild Mortgage, who is the holder of the loan, and asked for assistance in contacting their representative. I was instructed to speak to a XXXX XXXX, in the XXXX, XXXX Office of XXXX. The representative in the office stated that there was no one in the office by that name. When I asked if XXXX worked in another office, the representative stated that she could not locate anyone in the company by that name. When speaking to Guild Mortgage on XX/XX/XXXX ; representative " XXXX '' with an ID code of XXXX - tried to call XXXX and was told that there was no telephone number for XXXX XXXX. That call was made with both myself and " XXXX '' at XXXX. During the conversation with XXXX XXXX ( attorney ), he stated that one payment was made to Guild Mortgage via money order from an individual other than myself. The payment was made as I was out of the Country and could not make the payment at that time. The only information that I received from XXXX XXXX, was to state the decision was made that I did not reside at the property as I did not sign for a certified letter - this is NOT grounds for making a determination that I did not reside at the property. I use my business P.O. Box instead. I have requested mail be sent to my P.O. Box as I am not in the XXXX home daily and I did not want work related mail to find its way to the XXXX XXXX address as well as find its way into someone else 's home mailbox. I have had my work related P.O. Box for at least five years. During the time I purchased the home, I lived in an apartment in the XXXX, XXXX area. I could not break my lease, which ended in XX/XX/XXXX, as I would have to pay a penalty. I did not want to pay the penalty, so I traveled from XXXX to XXXX weekly while renting the apartment. I no longer am under the lease agreement and when traveling to XXXX to work, I reside with a friend in order to prove I no longer have a lease agreement. This information can be found by contacting ; XXXX XXXX in XXXX, XXXX. Prior to the loan being approved, I was given a letter from my employer stating that I am able to work in XXXX and live in XXXX. The letter was presented to Guild Mortgage prior to the approval of the loan. I have also made all mortgage payments on time and have not missed any payments. One payment was returned and I did not deposit the check as I am still not clear as to why Guild Mortgage is stating that I do not reside at the residence. I work in the XXXX area, Monday through Wednesday, sometime Thursday and drive to XXXX either on Wednesday or Thursday to stay at my home. The type of work I perform allows me to work this way. I consider this as predatory lending practices on the part of Guild Mortgage. I have attached copies of the letter from XXXX and the letter from my employer. If letters are unable to be attached, I will mail copies of the letters, certified.
Your below question ask for XXXX of the XXXX questions to be answered. None of the below apply to me - I answered " problems when you are unable to pay '' as one payment was returned.
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| 11/16/2022 |
Yes |
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- Trouble during payment process
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Web |
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I purchased XXXX XXXX XXXX XXXX on XX/XX/XXXX. My monthly mortgage payment is {$1300.00} with a XXXX XXXX interest rate on a 30 year fixed note to include property, school and home owners insurance. I believe this should include all of XXXX tax expense since taxes could not be determined at the time of sale. Adjustments for items unpaid to seller on page 3 of 5 of the closing documents should indicate a credit.
I contacted Guild MortgagXXXX on or around XX/XX/XXXX to ask what happened to my escrow. Guild Mortgage completed an escrow analysis of the account and told me they would need {$1700.00} to bring the account current. They said that the tax error on the account was corrected and that the {$1700.00} could be added to my monthly mortgage payments. They reassured me that it would no longer be an issue in coming years because everything was now resolved. My monthly payments were adjusted from {$1300.00} to {$1500.00}. I told Guild to spread the {$1700.00} out further which brought the monthly mortgage payment to {$1400.00}. This would be the actual monthly payment to date.
XX/XX/XXXX I reviewed my mortgage account online and called Guild Mortgage to ensure escrow and estimated taxes were calculated correctly for the XXXX year. XXXX and XXXX with Guild Mortgage stated that the projected tax was {$2100.00} and there was currently {$870.00} in escrow. I immediately questioned the accuracy of their escrow analysis from XX/XX/XXXX and asked what part of this information was not raising a red flag to them. XXXX requested a review from their tax department at that time.
XX/XX/XXXX I called XXXX XXXX XXXX XXXX and spoke with XXXX. She confirmed that school tax for each year was electronically sent to Guild Mortgage thru a third party administrator called XXXX. I also spoke with the XXXX XXXX XXXX XXXX and confirmed that the homestead exemption was updated on XX/XX/XXXX. At this time I also filed a complaint online with the XXXX XXXX XXXX and Mortgage XXXX.
XX/XX/XXXX I spoke with XXXX from Guild Mortgage and she confirmed that school taxes were not active since XXXX. I asked her what that meant and she said thats a good question. I told her I knew exactly what that meant and that Guild Mortgage was neglecting to include the school taxes even though school tax information was received by Guild Mortgage from XXXX each year. At this time, XXXX provided their customer service email address and I personally sent the school tax documents for XXXX to XXXX.
XX/XX/XXXX I spoke with XXXX from Guild Mortgage. She said that the escrow analysis was completed and that I could pay {$4400.00} in full or my new monthly mortgage payment will be {$1800.00} each month starting XX/XX/XXXX. XXXX said that this was spread out over XXXX months. I asked her what years were included in the escrow analysis. She confirm school taxes for XXXX and XXXX. I asked her about XXXX taxes and she said that they were not included in the analysis. I advised XXXX to request another new analysis because the calculations must include all taxes including school taxes for XXXX. I also asked her to explain what the original request for {$1700.00} was applied to since they were never including school taxes and she stated increases. I advised XXXX to show me where there was {$1700.00} dollars of increases for that year. XXXX could not provide that information.
* XX/XX/XXXX XXXX with Guild Mortgage will send all escrow analysis to my email within 24 to 48 hours. I also spoke with XXXX from XXXX XXXX and she is sending my closing documents to XXXX XXXX XXXX XXXX of XXXX XXXX for further review.
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| 07/06/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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Recently, I applied for Keep Your Home California ( KYC ) mortgage assistance. Oddly, I was denied based on Guild 's refusal to participate with KYC Principal Reduction Program ( PRP ) loan modification or recast. I was informed that Guild only participates in principal curtailments.
Last year, I was also denied to participate in KYC 's PRP due to Guild 's refusal to approve in what I was told a request for re-cast. Guild informed me that a re-cast only applies to the Mortgage Re-instatement Program assistance and does not reduce principal or bring payments to a level that is affordable. However, a re-cast is not a Mortgage reinstatement but rather a process to recast your mortgage in order to lower monthly payments by making a lump sum payment to reduce the outstanding balance. With a recast the monthly mortgage payments are then recalculated based on the new, lower outstanding balance, hence lowering monthly payments. According to KYC the Mortgage Re-instatement program is separate program aside from the PRP and the two are not in conjunction with one another. ( see below ) : KYC Principal Reduction Program " The servicer will reduce the qualifying principal balance in conjunction with a loan recast or loan modification in the amount needed ( up to the maximum per household assistance ) to help the homeowner establish an appropriate level of affordability and mortgage debt per CalHFA XXXX guidelines. '' " PRP may work in conjunction with a HAMP modification to help eligible homeowners achieve desired income ratios, payment affordability and establish an appropriate level of mortgage debt. PRP may be used to reduce or eliminate an existing non-interest bearing forbearance balance from a previous HAMP loan modification as described in the MHA Handbook. '' " PRP may also be combined or used in conjunction with the HAMP Principal Reduction Alternative ( PRA ). '' I was approved and qualified for KYC PRP. In other words, Guild provided me with inaccurate information in order to deny KYC 's contingent approval of the PRP. The KYC processer, XXXX XXXX, stated that the servicer, Guild Mortgage, only participates and approves principal curtailments. However, this is inaccurate. Last year, Guild 's loan counseling department informed me that an approval of KYC funds would be granted if KYC applied the PRP assistance to reduce my property 's principal by way of loan modification. I was also informed that Guild approves KYC funds to reduce or eliminate the non-interest-bearing forbearance amount that resulted from my prior loss mitigation agreement.
Ironically, Guild stated to me that a request for a re-cast only re-instates the mortgage to a positive balance foregoing any reduction in monthly payments. Again, this is an inaccurate statement. Why is Guild denying KYC 's request for approval of the PRP mortgage assistance a 2nd time around?
Guild 's refusal to participate in a " re-cast '' modification, combined with inaccurate statements regarding the program descriptions coupled with the servicer 's lack of official explanation for the denial is a violation of my homeowner 's rights.
While waiting for a response from your department and/or Guild Mortgage Company, please accept this letter as my official request to apply and be considered for one of Guild 's loss mitigation loan workouts. Additionally please provide me with a detailed letter of explanation for the denial of KYC 's request of a loan recast, provided by XXXX federally funded programs, which would have assisted me with affordable payments today and when originally requested.
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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 have tried to make payment arrangements with the company and make a payment with my debit card as the account was flagged for certified funds only, however a debit card is cash funds the company also states if you are owing for 3 payments they will not accept a payment from you which causes further default as well as further hardships, I didnt use the 18 months of covid forbearance however they have stated it was exhausted and will no longer allow a further forbearance.
I am trying to make payments, for a loan that is owing for two months and will be due for XXXX in XXXX.
The company policy to only allow a payment and a half is putting further hardship on borrowers not allowing forcing them into a possible Foreclosure, This is unfair tactics to the borrower is is a set up for failure.
Also not accepting debit card and only requiring certified funds from XXXX XXXX causing more fees to be paid as well as having to leave work to to banks withdraw then go to another location to make a XXXX XXXX, then you have to go back and call in the payment numbers, all well trying to get the time off of work to do this, why when a debit card is cash funds already available in the account and can provide the same day payment as a XXXX XXXX.
A foreclosure in the state of California is started when the loan payment has exceeds 4 total payments past due not two months, they have stated to me that i am in the process of foreclosure and the loan is currently showing due for XXXX, and XXXX, and with them refusing to take my debit card payment today will now show due for XXXX, XXXX and XXXX, which technically is still not even 90 days past due until XX/XX/XXXX.
I am trying to make a payment with them and actually two payments in XXXX, and they will only accept a payment in a half on the XXXX when i am trying to give them 1 debit card payment today and another one on XX/XX/XXXX. They have stated if i do not make a western union payment today on XXXX first they will only accept a payment and a half? how is this helping a borrower who is willing to make a payment and try to get caught up this is causing further hardships on the borrowers trying make payments towards the past due amounts. I have been asking to allow a payment to be made as well as another payment to be made a few days later why is this not acceptable? They are stating that i would only be allowed to make a payment in a half for the net 4 months to get it caught up? I have asked for other assistance information to be mailed to me if any, however they advised they can only send out if I want to apply for the assistance now. I dont want to get further behind, and them not accepting a payment and forcing a payment in a half as well and not accepting a full payment towards the account that is not a full 90 days behind is unfair lending practices. I am desperately trying to make two payments and unfortunately the way they will accept this is if i make two payments of two and a half payments in that month. I just want to make a payment now and another one on XXXX of XXXX and unfortunately with a debit card it is not acceptable. This practice is putting further hardships on borrowers who are desperately trying to make payments and get caught up on loans that have been affective by the XXXX pandemic. I can lose my home by them forcing these tactics which is unfair lending practices. Any other lender would take the full payment on the loans if they are not a full 90 days or more behind. I dont understand this method of collections, Please help a concerned borrower tyring to not lose our home.
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| 03/22/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
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I recently went through Guild Mortgage for a loan to buy a house. First off, I was pre-approved for a loan through the company for {$260000.00}. We put in an offer on a house for {$230000.00} in XXXX and the seller accepted it. My loan officer XXXX XXXX tells helps me through the process and assures me the whole way through that everything is great. I have perfect credit, my DTI is good, income is good, everything is good. She tells me XX/XX/XXXX to go ahead and put my 30 day notice in to my landlord because we will be good to close by XX/XX/XXXX. One week before we were to close XXXX emailed us that the closing cost were going to be higher than she anticipated. That gave us another really big reason to worry that something was just not right here because she had told us that we would not have any closing cost due to a lender credit that we qualified for. She was now telling us that it would be {$3800.00} to close. We were trying to get in contact with her to find out what was going on because it sounded like now a week before closing we needed to have {$3800.00} to close. She would not return emails to my fiance and then finally emailed that she was trying to get the cost down and was able to get it down to {$2600.00} and would be meeting with the Title company to see if she could get it down under {$1000.00}. She then suggested several days later that we ask the seller to raise the sale price by {$5000.00} and do a closing credit for that {$5000.00} for closing cost. She said that this would be the best thing to do. As we were a week away from closing we took her word for it and agreed and asked the seller to do an addendum to which they agreed and we had done. She assured us we were still approved and we would still close on time as long as we got the paper signed and in to the underwriter by close of business on XXXX/XXXX/16. One day before I am to close and sign the loan papers for the house I get an email telling me that I am now being denied by the underwriter because FHA will not allow us to use an addendum to change the sales price and add a seller credit to the loan in addition to your debt to income ratio being excessive. Then we see the attachment that has the denial form that states we were denied because of my DTI and Income being too low for amount of credit being requested. When we went in for the pre-approval XXXX punched in all of my income and debt and gave me the amount that I was qualified for. We based everything, this whole process off of what she told us, what she told us to do. So how is it that one day before closing we are now not qualified? Additionally, an hour before she emailed us that we were denied she told our realtor that we were approved and would send over the approval letter in a few minutes.Then we find out that she had been in communication with the sellers listing agent repeatedly throughout the process including that very day. She had told him that we were denied and the reason why we were denied before she had even notified me. I have an email proving she sent our denial letter to the listing agent which I believe to be a breach of confidentiality and illegal. XXXX has been unethical throughout this entire process and cost us not only the house, but hundreds of dollars, time and the emotions of our family. I believe that besides being unethical and lying she broke the law in divulging my personal credit information to the sellers listing agent. She should never have sent him my denial letter listing the reasons that we were denied.
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| 04/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XXXX XXXX XXXX , we reached out to Guild Mortgage with a pressing request concerning our credit files that we would like to have revised. No return calls were received until XXXX XXXX XXXX from Mr. XXXX XXXX . He stated he did not know what happened and why there was a delay. Mr. XXXX advised all he needed was a letter from XXXX XXXX explaining the situation. XXXX XXXX XXXX provided a letter on XXXX XXXX , XXXX . This was then sent to Mr. XXXX who advised he was 99.9 % sure would be sufficient. On XXXX XXXX XXXX , we received a call back from Mr. XXXX advising that the letter would work if the 4th paragraph was removed by XXXX XXXX XXXX . This request was made of XXXX XXXX XXXX but was denied. Mr. XXXX then stated he would try again within Guild. He advised he would fight for us. At this point, we advised Mr. XXXX that the report showed 2 late payments for XXXX XXXX , which is not true. He stated that issue could not be corrected due to a system issue as the loan paid off in XXXX XXXX . Mr. XXXX stated he would send us a letter. Numerous calls have been unreturned since and we have not received this letter. We opened our mortgage with Guild Mortgage in XXXX of XXXX and took pride in the fact that all our payments were routinely made in a timely manner. Unfortunately, in XXXX XXXX , we refinanced our home with XXXX XXXX . We advised Guild Mortgage of the refinance. XXXX XXXX XXXX Loan Officer XXXX XXXX XXXX advised us that Guild Mortgage could not mark our credit for 45-60 days, by law, as they were aware we were refinancing. We closed on the refinance on XXXX XXXX XXXX At that point, we were advised the payment would be sent on XXXX XXXX XXXX XXXX We again were assured no negative marks would be made against our credit. Mr. XXXX has now stated he has no recollection of these comments being made by him but does agree it was made by another colleague of his. Since this incident, we have learned to obtain information in writing and record conversations. Regretfully, this led to a late payment on ou r Guild Mortgage account in XXXX XXXX . To this point, we had no late payments and we have had no late payments since for any debt. While we understand that Guild Mortgage did not necessarily create the issue, Guild Mortgage can help us correct the issue. We are in the process of trying to lower our debt, and it has come to our attention that the late notation from Guild Mortgage may prevent us from taking full advantage of the best interest rates available and create hardships in our debt reduction. Since that notation does not reflect our overall credit status, we respectfully request that Guild Mortgage please give us a second chance at a positive credit rating by revising that notation. We sincerely hope that there is redemption at Guild Mortgage, and we plead for such consideration. If any additional documentation would assist in reaching a positive outcome, please feel free to let us know. We thank you again for the time you have spent reading this correspondence. Very hopefully yours!
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| 07/10/2023 |
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 called a few times and get different answers. I will be sending a Notice of Error via mail also, as per the CFPB instructions.
Over the last several months, I had compounded hardship due to unemployment, health issues and not having transportation due to mechanical problems.
At the time of attempting to secure funds, in XX/XX/2023, my statement read that I owed {$1700.00}, which would account for XX/XX/2023 mortgage payment of {$870.00} plus $ XXXX late charges and XXXX of 2023 mortgage payment of {$870.00} XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX was kind enough to send in Three ( 3 ) month rent plus late charges to Guild Mortgage Co. in XXXX at or around XX/XX/2023. The three ( 3 ) months mortgage payments were rendered in the form of two checks totaling {$2600.00}. One in the amount of {$1700.00} which is a little more, than the amount on the XX/XX/2023 statement. The second check for {$870.00}, which covered XXXX 's mortgage payment of {$850.00} plus {$21.00} late charge.
Upon receiving XXXX 's mortgage statement, it showing an amount due of {$1700.00}. I do not understand this and was given different answers, by two different customer service representatives. One representative stating I have an overage and should apply tell the phone payment representative, to credit that to XXXX 's Payment, the other representative stating, any overages in funds received were applied to principal.
It been very difficult these last few months and was so very grateful, in knowing I would be able to be able to pay XXXX 's mortgage payment myself, within the month of XX/XX/2023. I am recently back to work.
Frankly, I am appalled that Guild Mortgage would be so devious, ethically and morally, to take the funds from XXXX XXXXXXXX XXXX XXXXXXXX, specifically granted and to be used, to bring me up to date, in mortgage payments, XXXX through XX/XX/2023.
The last customer service man I talked to; stated they used any overages towards the principal on this loan?? And there was nothing I could do about it because it is in the loan contract somewhere.
I have a letter from Guild Mortgage alerting me of the overage/unapplied amount, dated XX/XX/2023, asking what I would like to apply it too ... ... .. it states nothing saying this unapplied overage, will be applied to the principal.
The funds received and mentioned above, need to be reapplied correctly ASAP and nothing put towards " extra '' principle.
Here is the breakdown again, as mentioned above. This is simple math.
XX/XX/2023 Mortgage Payment + Late Fee = $ XXXX = {$890.00} XX/XX/2023 Mortgage Payment + Late Fee = $ XXXX = {$890.00} {$1700.00} XXXX XXXX XXXX XXXX 1st check received in XXXX {$1700.00} XX/XX/2023 Mortgage Payment Amount {$850.00} There should be no late fee because second payment was also received in XXXX XXXX XXXX XXXX XXXX XXXX check received in XXXX {$870.00} The only amount I should owe, at the date of this email XX/XX/2023 is XXXX 's mortgage payment of {$850.00} plus a late fee.
Please contact me at your earliest convenience and let me know if this matter has been resolved.
Sincerely, XXXX XXXX XXXXXXXX
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| 08/10/2016 |
Yes |
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- Settlement process and costs
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Web |
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I purchased a home under the impression that an FHA Loan has certain criteria in regards to the condition of the home before they may lend money out on it. I was told that it would be the seller 's responsibility to bring the house " up to code '' before the mortgage company could release funding to me. I do not fully understand, personally, what all the codes are. I have the statement from the appraiser and the mortgage company saying that everything thing was fine, no repairs were needed, and that it was approved for the loan to go through. There is a great deal wrong with the house. It does n't seem to be up to code on anything. It was appraised too high, and no repairs were made. Someone had to commit some level of fraud for this deal to even go through. On the paperwork it is stated that the house is sold " as is '', but this is not a standard conventional loan- it is an FHA loan. It is my belief that no one inspected or appraised the house- I do n't think anyone even looked at it. They just signed papers and pushed the deal through. I am the victim of fraud. I am left dealing with termites, improper unsafe electrical hook ups, too low of a crawl space, plumbing, outdated and improperly installed septic, warped flooring, etc. What does " up to code '' mean exactly, and since this is an FHA loan, who is responsible for putting this loan through without so much as viewing or acknowledging the needed repairs? I signed to pay over XXXX dollars for a falling down house that probably is n't worth half that much. It is out in the country, XXXX sq. feet, it has an easement for a driveway, has a septic too old, too small, and literally XXXX feet from the house. The electric wires hang from a window near the kitchen and almost touches the ground, and the electric box just looks plain weird. A neighbor had some work done on his house and the electrician happened to notice my set up. He made the statement that if I ever had to have my power turned off, they would not turn it back on until I brought all the the wiring " up to code ''. You see, I am the consumer who trusted the professionals that said- everything was fine. My inspector was worthless- paid him XXXX, and he failed to discover the hoards of termites under the house. There is more, but first I need to know if anything can be done about this? What steps do I take to start the process? I have spent all my money on repairs- ie XXXX dollars to the termite guy, etc. I do n't have money, but I need help. How can anyone do this to someone? I have not missed a mortgage payment either! I do n't know if there is a staue of limitations or not, but XXXX XXXX, 2015 was our closing date. I am only just now contacting you because I did n't know until just a few days ago that there might be some help for a situation like mine. Still making payments- but I am definitely making payments to crooks. I have not contacted the mortgage company because they are the ones who lied, cheated me, and apparently committed fraud to begin with. How can I be expected to trust them? Please respond asap. I appreciate any help you can offer!
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| 08/15/2017 |
Yes |
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- Trouble during payment process
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Web |
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Guild refusal to release my check to repair my home from water damage along with having my XXXX XXXX XXXX insurance cancel due to not releasing the check in a timely matter my home now have black mold and my floors are bare without carpet both of my master bathroom closet and my master bedroom closet have black mold in spreading in different area of my home. I have made numerous attempts to fix this problem with Guild Mortgage first they told your office they never received the check in XX/XX/XXXX to the fact it has expired must be cash within six months. XXXX XXXX XXXX issued a second check in XX/XX/XXXX which they now have and due not want to release. Guild Mortgage lack of sending my insurance check because I fell behind in my mortgage. Guild Mortgage have try to foreclose on my home and still have not sent this check the water damage happen on XX/XX/XXXX. It is almost a year and my kitchen floor is also coming up. They continue to ask for a contractor bid and what major repair in my home. In the estimate itself a contractor is not needed. The repairs in my home is for me to buy carpet and padding, in two rooms of my house. Buy a new bathroom vanity these items along take measurement and have been done. Closet repair, paint and clean floors. Money to get a dump truck to remove a damage bed, damaged carpet and padding and old tile to be throw out which these items are and have been on my back porch. I do not need a contractor for what is on the list of things to do from XXXX XXXX insurance company. All Guild Mortgage was supposed to do is sign the check and return. Guild Mortgage have been deceptive and continues to be to the point your agency is part of the federal government and I have the documents to prove they received before my first compliant was filed. I ask your office to call XXXX XXXX XXXX XXXX to speak with the office regarding both checks and also if additional repairs was needed in my home I would have gotten additional money but due to Guild Mortgage not releasing the check my home now contain almost a year of mold in my home which my younger daughter had to temporary move out her room suffer the most damage. XXXX XXXX XXXX XXXX, my claim examiner XXXX XXXX can also verify Guild Mortgage is to only sign and return. I file to claim regarding Guild Mortgage withholding my first and second repair check due to massive water damage. As well as stopping my mortgage company to fix my home after the damage to verify this statement XXXX AND XXXX when they stated to your office they never received the check. I am sending today the XXXX XXXX receipt and the copy of the check issued and send to Guild Mortgage before filing an complaint on XX/XX/XXXX is when it was mail to my home and XX/XX/XXXX federal government acknowledgement of false statements given to your office on my behalf. Also, I am sending a copy of the second check that was reissued and mailed on XX/XX/XXXX sent by XXXX as well. Guild Mortgage still have not given me a Loan Modification and requested documents was given
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| 05/19/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
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On XXXX XXXX, 2014, XXXX XXXX of Guid Mortgage issued a Pre Approval Notice ( attached ) to XXXX XXXX and XXXX XXXX. The Pre Approval Notice was issued to aid in purchasing a pre-existing or new home. The Pre Approval Notice was issued for a Loan Type of a FHA XXXX Fixed. This allowed XXXX XXXX and XXXX XXXX ( borrowers ) to purchase a new home to be constructed by XXXX XXXX XXXX XXXX. In mid XXXX 2014, the borrows were told by XXXX XXXX if Guild Mortgage Company, they did not qualify for a FHA 30 Year Fixed loan due to already having a FHA XXXX Fixed Loan on their existing home they were living in. The buyers were told they must sell they home to qualify for the new home being built. This was the XXXX the buyers had heard anything about having to sell there home to qualify for the one being built by XXXX XXXX. In fact XXXX XXXX XXXX had a policy of not building homes if the buyers had a home contingent upon selling. Therefore, the building would have never been initiated without a the Pre Approval Letter stating we qualified for a FHA 30 year Fixed loan. There were no pre conditions listed we would have to sell our existing home. We had given the title company {$14000.00} in earnest money to build the new home. If we attempted to terminate the contract we stood to loose the {$14000.00} and possibly more. We finally qualified ( with a couple of weeks or less before closing ) for a conventional loan and would have to carry both the old and new mortgages unless we were able to sell the existing home. In order to qualify for the conventional loan, we spent {$6000.00} from savings in an attempt to qualify and keep our automobile. This process did not work. So we had to sell our automobile back to the dealership for a {$8000.00} loss and we had to pay approximately {$5000.00} extra in closing costs so our debt ratio would satisfy the underwriters. We still have not sold our old home and have been paying an extra mortgage payment, utilities, etc.. We have lost an additional {$4200.00} dollars and are in the process of selling the home. To sell the home we had to lower the price to a point where we will be losing approximately {$18000.00} to close the deal.
None of this would have taken place had Guild Mortgage Company and XXXX XXXX XXXX been honest and issued the correct Pre Approval. Recently, ( within two weeks ) I called and talked to XXXX XXXX and asked why he did not know we did not qualify for XXXX FHA loans. He informed he did know and the only reason he wrote the Pre Qualification Notice the way he did was due to XXXX XXXX of XXXX XXXX XXXX telling him she could sell the house anytime and therefore the loan type would not make a difference. We the buyers never agree nor knew of these dealings behind our backs.
Please consider this most disgusting act committed against XXXX XXXX persons and take the appropriate actions you deem necessary to provide us with some help. Thank you for your time. If you need more information, feel free to contact us via telephone, email, or letter.
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| 09/09/2017 |
Yes |
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Web |
Servicemember |
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RE : GUILD MORTGAGE CLOSING FOR PROPERTY : XXXX XXXX XXXX XXXX XXXX FL XXXX I RECENTLY APPLIED WITH GUILD MORTGAGE FOR A VA LOAN : XX/XX/XXXX. I RECEIVED PRE-APPROVAL AND UTIMATELY RECEIVED CONDITIONAL APPROVAL ON THIS LOAN APPLICATION IN PROCESS. I HAVE FULLY COMPLIED WITH ALL INFORMATION & DOCUMENT REQUESTS REQUIRED OF MY WIFE & I, TO DATE. WE WERE DUE TO CLOSE ON : XX/XX/XXXX ISSUES AT HAND : I HAD NOT RECEIVED ANY COMMUNICATION / CORRESPONDANCE FROM MY LOAN MANAGEMENT XXXX ( XXXX XXXX ) IN EXCESS OF A WEEK PRIOR TO THE PLANNED CLOSING. AS OF XX/XX/XXXX, I NEVER RECEIVED ANY FORM OF COMMUNCATION REGARDING THE STATUS OF MY LOAN APPROVAL COMPLETION OR HOW TO PROCEED, FROM MY LOAN MANAGER. THE UNDERWRITER TEAM AT GUILD MORTGAGE ( CONSISTING OF THE UNDERWRITER-XXXX XXXX, THE UNDERWRITER 'S MANAGER AND THE UNDERWRITER ASSISTANT-XXXX XXXX ) TO DATE, I HAD ONLY RECEIVED COMMUNICATION WITH XXXX XXXX. ANY ATTEMPTS TO SPEAK DIRECTLY WITH THE UNDERWRITER OR MANAGEMENT ARE DENIED. I HAVE ONLY PREVIOUSLY RECEIVED STALLED OR VAGUE EXCUSES IN REPLY TO MY REQUESTS FOR STATUS UPDATES. NO REPRESENTATIVE FROM GUILD MORTGAGE HAS TAKEN THE TIME TO EXPLAIN OR ADDRESS THE HARDSHIPS IMPOSED ON THE PARTIES INVOLVED IN THIS CLOSING PROCEDURE OR HOW ANY POTENTIAL ISSUES/PROBLEMS COULD HAVE BEEN AVOIDED OR RESOLVED MUCH EARLIER ( 3-4 WEEKS AGO ) IN THIS PROCESS.
I MADE MULTIPLE ATTEMPTS TO SECURE A TIME FOR ALL PARTIES TO CLOSE. THE CLOSURE DATE WAS POSTPONED BY ONE WEEK ( XXXX ) AND ULTIMATELY CANCELED BY GUILD DUE TO AN UNDERWRITER " DENIAL ''. XXXX XXXX DISCLOSED TO ME THAT THE MANY MISTAKES MADE REGARDING THIS APPLICATION PROCESS WERE MADE BY GUILD MORTGAGE. THE SELLERS RE-LISTED THE PROPERTY FOR SALE AND RETURNED OUR EMD.
ON XXXX, I WAS PROMISED TO HAVE MY EXPENSES REIMBURSED TO ME ACCORDING TO THE GUILD MORTGAGE CREDIT APPROVAL CERTIFICATE GUARANTEE. AT PRESENT ( XXXX ), I HAVE NOT RECEIVED ANY REIMBURSEMENT OR BEEN CONTACTED BY A REPRESENTATIVE OF GUILD WITH THEIR INTENTIONS. FURTHER EXAMPLES OF THEIR UNPROFESSIONAL BEHAVIOR.
OTHER NAMES OF INDIVIDUALS AT GUILD THAT WOULD NOT RETURN OUR CALLS OR EMAIL REQUESTS : XXXX XXXX, CEO GUILD MORTGAGE XXXX XXXX, ASSISTANT ( XXXX ) EMMY XXXX XXXX XXXX XXXX XXXX XXXX, STAFF ACCOUNTANT, SOUTHEAST ( XXXX ) XXXX XXXX, MANAGER ( XXXX ) AS A XXXX XXXX XXXX VETERAN, I HAVE NEVER EXPERIENCED THIS TOTAL LACK OF CUSTOMER SERVICE FROM A MORTGAGE LENDER OR ITS AFFILIATES. MY WIFE AND I WERE HANDLED UNFAIRLY, UNPROFESSIONALLY AND UNETHICALLY. THIS TEAM DOES NOT LISTEN TO THE NEEDS OF THE CUSTOMER. I WILL PROVIDE ADDITIONAL DETAILS UPON REQUEST.
MY OBJECTIVE IS CLEAR : TO CLOSE THE LOAN ON THIS PROPERTY ( WHICH WAS TO BE MY PRIMARY RESIDENCE ) IN AN EXPEDIENT & PROFESSIONAL MANNER. TO RECEIVE REIMBURSEMENT FOR MY EXPENSES IN AN EXPEDIENT MANNER, AS PROMISED.
PLEASE MONITOR AND PROHIBIT COMPANIES LIKE GUILD MORTGAGE FROM USING THESE BUSINESS PRACTICES WITH OTHER POTENTIAL CUSTOMERS IN THE FUTURE.
PLEASE PROVIDE US WITH THE ASSISTANCE TO ACCOMPLISH THESE TASKS? TY!
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| 05/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
Older American |
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XXXX/XXXX/14 : We first contacted XXXX XXXX ( XXXX XXXX, XXXX XXXX ) to broker a mortgage on a property we were considering. He quoted an available mortgage rate of 4.625 % but said it changed rapidly and our actual rate would depend on the market when we closed.
XXXX/XXXX/14 : We identified a XXXX property when the XXXX one fell through. XXXX repeated his statement about rates. Currently 4.625 % but they would change based on the market when we close. Escrow opened.
XXXX/XXXX/14 : We were scheduled to close in a week but the bank appraisal had not occurred. We were very concerned that that would give the sellers an out. XXXX had locked us into the 4.625 % rate, which he had quoted almost two months before, despite lower prevailing market rates. When asked if the rate could be adjusted since the lock was expiring due to repair issues on the house, XXXX 's response was " No, since it has gone to escrow ''. This was a deliberate attempt to mislead us since escrow had been opened a month earlier. He also claimed we had given him a " verbal '' lock at 4.625 %. We did no such thing. Rate locks must be in writing according to Oregon Revised Statutes and no such document had been signed by us. When pressed on the matter, XXXX said he was going to pull the appraiser ( which would have caused us to lose the house ) and hung up on me.
XXXX/XXXX/14 : I was compelled to contact XXXX XXXX ( XXXX XXXX ), Branch Manager at XXXX XXXX XXXX re : XXXX 's angry response and threats to pull the appraiser from the site. His response was that he thinks we " have been treated fairly ''.
XXXX/XXXX/14 : With the choice of either losing the house we love or accepting the terms forced on us by XXXX XXXX, we close on the house. The higher interest rate will cost us more than {$5000.00} over the life of the loan. More to the point, we felt manipulated, lied to and bullied by XXXX XXXX. His behavior was reviewed and supported by his manager, XXXX XXXX.
COMPLAINT SUMMARY : XXXX XXXX was deliberately not forthcoming with accurate market rate information at his disposal. He locked clients into higher than market rates in order to benefit himself and his company. This is predatory lending.
XXXX XXXX bullied clients into compliance by threatening to cancel a key process in the buying procedure in order to complete his self-serving transaction.
XXXX XXXX lied about the loan closing process by claiming a loan has gone to escrow when escrow had been opened for a month. This facilitated his manipulation of the closing process to his benefit.
Rather than representing the highest industry standards of the home mortgage industry, XXXX XXXX represents the lowest social standards of being a common bully, prevaricator and exploiter. The public needs to be warned about him.
By endorsing XXXX XXXX 's behavior, XXXX XXXX was at the most culpable in behavior that enriched his firm and at the least negligent in his supervision of a rogue employee.
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| 11/13/2022 |
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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I am the consumer. I am the natural person who is protected by the US Constitution and State Constitutions. I am not an entity the State created, I AM THE BENEFICIARY to such trust. I am not a resident of the State. I am not a US citizen. I am a citizen of the kingdom of Heaven. For He is my Creator. Isaiah 54:17 NKJV No weapon formed against you shall prosper, and every tongue which rises against you in judgment, You shall condemn. This is the heritage of the servants of the Lord, and their righteousness is from me says the Lord. This complaint is against XXXX XXXX by me, XXXX XXXX XXXX. Date of LIVE Birth is XX/XX/XXXX. XXXX XXXX has flagged a closed account in our name. We sold our house in XX/XX/XXXX. XXXX XXXX is alleging we voluntarily foreclosed on our home. They are making adjustments to unlawfully created accounts in our name. They have recently made reports to consumer reporting agencies without our consent to do so, which caused adverse actions to both me and my wife. XXXX XXXX did not disclose this to us nor did they have our consent to report to any consumer reporting agency or make adjustments to any accounts in our name. They have unlawfully used our identification information to commit fraud violating 18 USC 1028 and 18 USC 1028A and15 USC 1681b ( 2 ) 15 USC 1365. 15 USC 1693l. 18 USC 1341, 1342,1343, 1345,1346, 1348, 1349, 1350, 1351. 26 USC 1031, 15 USC 1693h, 15 USC 6821, 18 USC 2332b. They made reports on XX/XX/XXXX for the same reasons as this which caused the same adverse actions then too. This material misrepresentation is in an attempt to defraud the United States and Internal Revenue Service as well as myself and my husband XXXX XXXX. In my most recent update from XXXX, my notifications showed XXXX XXXX flagged my account as bank adjustment/deed in lieu/Bank Liquidation. The Deed was sold to XXXX XXXX to avoid the continuous threats, abuse, and harassment from XXXX XXXX and Guild Mortgage. The threats, harassment and abuse caused us personal injury not only to ourselves but also to our family and private personal property. XXXX XXXX and Guild Mortgage listed us as tenants in their unlawful, illegal contracts. We were not tenants nor did they have any lawful or legal right to possession of our private property. We owned our home. We extended credit to both Guild Mortgage and XXXX XXXX. They deceived us but the proof is in the sale. The documents we retained from the sale of our home required signatures of the OWNERS of the home, which were myself and my wife XXXX. The consumer reporting agencies failed to verify information before lowering my XXXX XXXX XXXX points both times. XXXX and again in XX/XX/XXXX. XXXX XXXX Guild Mortgage, XXXX, XXXX, XXXX are guilty of frauds and swindles, Identity theft, Aggravated Identity theft, Failure to protect customer information of financial institutions and so much more.
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| 12/20/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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Being that it is XX/XX/2016, like most people, I pay my bills online through my online Guild Mortgage account. I happened to glance at the XX/XX/XXXX statement that came in the mail which I do n't normally do, since I use the online service to pay my monthly mortgage. When I noticed an amount of {$810.00} on my statement for " Fees & Charges '' with no detailed explanation I called Customer Service to find out what it was for. I was told these were late fees that had been accumulating. I was completely shocked since I have never seen any indication of a late fee when I log into my online Guild Mortgage account. I have discovered that there is absolutely no place in the entire process of paying my bill online in which this amount would be indicated. If I do n't know that I owe it, how can I pay it? It is unacceptable that Guild Mortgage offers online account access and bill payment, yet does not provide COMPLETE account information. Late fees are intended to incentivize on-time payments by monetarily penalizing the account holder. If I do n't know that I 'm being penalized, then I do n't have the same opportunity to change my payment habits to avoid these fees. I have MANY online accounts that I access and pay each month, and in every single case I am provided a full and complete detail of my account balance in my online account. Guild Mortgage is the only exception. It is my opinion that the utter lack of information in my online account is a predatory practice to accumulate exorbitant late fees before the consumer realizes what is happening.
Additionally, when I spoke to Customer Service on Saturday, XX/XX/XXXX I asked to speak to a Supervisor. I was told that a XXXX would have to return my phone call and that I would receive a call within XXXX hours. It was not until 6 days later on Friday, XX/XX/XXXX that I finally received that call. I was unable to answer the call and the message I received from the Supervisor, XXXX XXXX he did not provide a last name nor did he provide a phone # that I could reach him at ) was that he could confirm that there were late fees, and that I could call Customer Service to verify the dates of those late fees. I was VERY clear in my initial request to speak to a Supervisor that my issue was with the online system and the failure of Guild Mortgage to provide a full and accurate account balance and detail. I waited 6 days for a Supervisor to call me back and not address my issue in any way. Unacceptable.
I am requesting that Guild Mortgage reverse these late fees and work to update the online account and bill payment system so that their consumers are not being left in the dark. As I told the initial CS rep that I spoke to, I will be refinancing in the very near future, and at this point I will not consider keeping my mortgage with Guild based on my experience outlined above.
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| 05/05/2022 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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I later learned my realtor who is a friend to the loan officer initiated the entire process. My realtor brought in the loan officer and she also brought in the contractor whom I later learned was her uncle. In my agreement with the contractor the homeowner/contractor agreement the contractor agreed that he would secure and pay for building permits and/or other permits fees inspections and licenses necessary for the completion of the work stipulated in contract. After closing it had been bought to my attention that tenants residing in XXXX XXXX refused to leave or meet to discuss anything with me as a new owner. I was later advised they had refused to move based on promises made with previous owner/seller of property and FHA rehabilitation loan in contract notes property to be vacant at time of rehabilitation. I was unable to remove tenants then covid began during I paid XXXX out of pocket to assist in them moving. The contractoXXXX who had been referred by XXXX XXXX agent XXXX XXXX XXXX and Loan Officers XXXX XXXX ( from the XXXX XXXX of Guild Mortgage ) began demo of the vacant front unit when I requested him to provide plan and permits which per REHABILITATION LOAN PERMIT CERTIFICATION which states '' work may not begin until permits are issued '' I had to fire him from my project for refusing to secure documents and procedures as stipulated for the XXXX loan. During each and every step I have continued to pay on time my mortgage and advise Guild Mortgage of obstacles. I later hired a company Plans and XXXX XXXX who took over the task in applying for and getting plans for both addresses XXXX and XXXX XXXX the city did not allow after reviewing the application the CPIO ( community plan implementation overlay district ) is unable to approve 100 % residential occupancy in that zone. Later having Plans completed and showing front property to be commercial I reached out to Land Gorilla ( 3rd party hired to supervise and release funds for project ) I was advised time has expired and they are unable to fund. I've had emails with XXXX XXXX from Guild Mortgage who states time frame is over and that scope of work has changed in regards to ( conversion to 100 % resident dwelling ) I have email threads dating XX/XX/2019 on this being a problem and apparently not resolved between Loan officerYvette XXXX and XXXX agent XXXX XXXX ( prior to closing ) Ive inquired of next step with unused loan ( XXXX ) that I've been paying faithfully will it be added to principle as outlined on contract for loan or will I finally be able to use the funds to complete my project in order to live in my property. Calls and emails have been ignored by Guild Mortgage. Please help. I need to know why GUILD MORTGAGE is not answering request to know what will become of unused rehabilitation loan for property purchased XX/XX/2019.
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| 09/01/2023 |
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 states, " There is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, 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, as noted in 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. '' Guild XXXX Company is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states, " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : following the written instructions of the consumer to whom it relates. '' Guild XXXX Company, the financial institution, and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information, and they do not have my written permission. All acquiescence to XXXX, XXXX, and XXXX, Guild XXXX Company, whether verbal, non-verbal, written, implied, or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) declares that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is elucidated how the consumer can exercise that nondisclosure option. '' They never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) discloses, '' 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 a negative item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A reveals, " 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. Furthermore, 12 CFR 1016.7 states, " A consumer may exercise the right to opt out at any time. '' I am opting out of reporting services. ''
|
| 10/17/2018 |
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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This matter is pertaining to our Mortgage Company Guild Mortgage who has declined to remove our mortgage insurance even though we have met the required specifications provided to us by Guild when we signed our opening mortgage documents. The conditions were as follows : Two year payment period with no late payments, the 75 % LTV for which I have described the scenario below : On XX/XX/XXXX, I reached out to Guild Mortgage to inquire about removing our PMI as we were previously told that this is something that would be feasible after two years of making monthly payments. Guild requested an email requesting the PMI be removed for which I sent the request on XX/XX/XXXX. On XX/XX/XXXX they requested another email stating that we were requesting an appraisal to be performed on our property for which they received on XX/XX/XXXX. Guild sent a request to XXXX XXXX for the appraisal to be completed. XXXX XXXX charged us a fee of {$600.00} which is more than the usual {$350.00} - {$400.00} that we usually pay. They did the appraisal on XX/XX/XXXX for which I have attached a copy. They denied our request on XX/XX/XXXX ( attached copy of denial ). We sent in a dispute because it is evident that the appraiser of choice used the lowest comps in our area and do not support the current and true value of subject property. Supporting copy of CMA is also attached for your review.
Once Guild performed a review of our dispute, they were able to raise our property value from {$370000.00} to {$370000.00} which shows that they are in agreement with the dispute of the appraisal, however ; they only lowered the value enough to be able to deny us again on XX/XX/XXXX. I have also attached a copy of the denial letter for your review.
I have been a homeowner for over 20 years and have never been late on any of my mortgage payments one single time. I am not saying I have never been in a rough spot, but I do what I can to always make ends meet, and make my mortgage a priority. I have paid thousands of dollars in interest to these mortgage companies, not to mention the $ XXXX I had to come up with out of pocket in XXXX so my Condo would not sell as a short sale to keep my impeccable credit history. It is unfortunate that not until now, I realize that these companies are not to take further advantage and abuse people who have worked so hard to keep up with the ever-changing mortgage industry.
It is why I ask that you respectfully look in to this matter and find out why Guild Mortgage is refusing to remove my mortgage insurance by using mortgage appraisal fraud tactics to lower my property value and charge the extra interest if the MI is not removed. I have XXXX XXXX coming up and my husband will be the only one working for at least a year. Any assistance from you will be greatly appreciated.
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| 10/28/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
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Guild Mortgage This is about a Consumer Credit Transaction initiated on XXXX XX/XX/XXXX, with your financial institution executed by way of signing an Agreement " Document ''. As per 15 USC 6827 ( 3 ) " The term document means any information on any form. '' The provisions of 15 USC 6801 ( A ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing.
In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic persona information to nonaffiliated third parties ( XXXX, XXXX, and XXXX XXXX.
According to 15 USC 6809 ( 4 ) ( A ), the term " nonpublic personal information '' means personally identifiable information- ( i ) provided by a consumer to a financial institution- ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) Otherwise obtained by the financial institution.
Furthermore, pursuant to 15 USC 6809 ( 5 ), the term " nonaffiliated third party '' means any entity that is not an affiliate of or related by common ownership or affiliated by corporate control with the financial institution, but does not include a joint employee of such institution.
Therefore, as per the literal interpretation, the organization name XXXX, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802.
In case your Company admits that the organization named XXXX, XXXX, and XXXX is affiliated, it has violated the provisions of the FCRA ( Fair Credit Reporting Act ).
Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control.
Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicated other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons.
Therefore, your Company ( Guild Mortgage ), has not only infringed my rights to privacy but also violated multiple Federal laws.
I hereby request you to remove the following information from my Consumer Report : - Late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
- No longer report my nonpublic personal information to any nonaffiliated third party from this day forward.
If you accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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| 05/29/2019 |
Yes |
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- Trouble during payment process
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Web |
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Guild Mortgage Company rejected both my Mother and my payments. The " Note '' Contract is very clear, My Mother XXXX XXXX and I XXXX XXXX have 15 Calendar days pass the first of the month to get the payment to Guild Mortgage Company which totals {$1100.00}. It does not says WE CAN NOT send two checks that totals {$1100.00}. My mother and I are separate entities and are NOT married to one another and have separate checking accounts and do our business separately. Guild Mortgage Company is confused when they read the Deed of Trust that states they can reject partial payments after the 15 calendar days, but our payments were received by Guild Mortgage Company on XX/XX/2019 and XX/XX/2019. Because of receiving these two checks that totaled {$1100.00}, they believe they are in the right to reject payments, but in turn are breaching the contract and technically at that point XXXX XXXX and I would owe nothing once a contract is breached. The Month of XXXX Guild Mortgage Company excepted two separate checks one for {$500.00} and the other for {$630.00} on the XXXX of the Month and marked these two payments as a single payment into their system ( Which is also a banking violation ). I need this issue corrected ASAP on loan number XXXX. BORROWER 'S FAILURE TO PAY AS REQUIRED ( A ) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be XXXX of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment.
As stated in my original complaint on XX/XX/2019, XX/XX/2019 in the same payment amounts one check from XXXX XXXX XXXX for {$500.00} and the Second check from XXXX XXXX XXXX for {$630.00}, which Guild Mortgage accecepted with no problem and labeled the two payments as a one and whole payment. The complete payment agreement follows the Mortgage Note same as a {$100.00} bill is a Note and worth {$100.00}. As we have 15 calendar days to get the payment in full to Guild Mortgage and there are nothing listed in any contract that enforces my Mother and I to open one account to send ONE payment. As stated previously the Deed of Trust covers if a Mortgagee is late pass the 15 Calendar days can only send ONE payment in whole to Guild Mortgage. If Guild continues to Breach the contract this will lead towards a Federal Legal Matter, needs to STOP NOW, as my Mother and I are two separate entities with our own banking and checking accounts, we are NOT a married couple.
Guild Mortgage account XXXX Pay From XXXX XXXX XXXX Amount {$630.00} Withdraw On XX/XX/2019 Category Mortgage ELECTRONIC Confirmation XXXX
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| 10/26/2020 |
Yes |
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Web |
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To Whom It May Concern, Please consider this an official letter of complaint regarding my interaction with Guild Mortgage Company.
On XX/XX/2020 I began my home search. The realtor I was using referred me to XXXX XXXX with Guild Mortgage to begin the financing part of the purchase process. After initially speaking to XXXX I realized I needed to prepare more before beginning the process. Afterwhich I chose to begin the process on XX/XX/2020. I continously kept in contact with Mr. XXXX and followed and provided whatever information was required of me-TIMELY. On XX/XX/2020 I put in an offer on a home and my offer was accepted thus beginning the homebuying process. This also began the contract period with my earnest money with the Seller. My realtor and I contacted Mr. XXXX every other day to ensure I was in compliance with all of required documents to close on the home, The closing date was set as XX/XX/2020. Mr. XXXX confirmed that my file was submitted to the underwriter on XX/XX/2020. Mr. XXXX confirmed all that was missing was my tax transcripts from the IRS which were requested on XX/XX/2020 the same date that Mr. XXXX confirmed that the needed appraisal was ordered.
On XX/XX/2020 I began receiving correspondence from XXXX XXXX with Mr. XXXX still in copy. At that time expectations where set and outlined. I believed we were on track to close.
On XX/XX/2020 I sent copies of everything that was requested of me. At no time was it communicated with me that there was a danger of me not closing. As my closing date was approaching, I continously reached out to Mr. XXXX but his responses became vague and calls were not being returned timely. Mr. XXXX communicated to me that I was not his only customer and he was busy. The conversation was troubling and I reached out to my realtor to assist with the communication gaps with Mr. XXXX.
On XX/XX/2020 my realtor reached out to me to advise that Mr. XXXX was no longer with Guild Mortgage and she felt it was very strange to receive a call from him advising him as such. His call was actually to network and not to inform me. At no time has anyone from Guild to this day ever called to advise me of this situation.
On XX/XX/2020 my realtor called me in panic as the listing agent called her to tell her that XXXX XXXX had informed them that we would not be closing. At this point Ms. XXXX had not reached out to me via email or by phone. My calls to Ms. XXXX went unanswered. The listing agent then informed my realtor that my earnest money was forfeited and they were no longer interested in continuing the buying process with us as there was an insuitation of inproperity on my part.
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| 04/14/2017 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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On XX/XX/2017, I had made a mortgage loan payment to Guild online in the amount of {$1400.00}. And I always pay online to avoid the phone payment fee. I received email confirmation when it was submitted and processed and when it is posted as usual. A few days later, I checked my bank account, and discovered there was another loan payment made by phone to guild mortgage, but the amount was XXXX ... after talking to my husband, he and I both know neither of us made this payment on XX/XX/XXXX by phone. I called Guild and they said it was a phone payment but could not or would not tell me who called to make payment or what phone number called in pmt. They were quick to tell me they would refund the XXXX and that I just needed to send email to XXXXXXXXXXXX. so, I did and sent proof where is showed unauthorized payment on my bank statement. Now today, they sent me an email stating the below : From : Customer Service XXXXXXXXXXXX Date : XX/XX/2017 XXXX ( GMT-XXXX ) To : XXXX ; XXXXXXXXXXXX Subject : Re : Loan no. XXXX - refund for duplicate payment not authorized by customer on XX/XX/2017 XXXX morning, A refund has been submitted for {$1400.00} for the duplicate payment that was made. Once the refund has been processed, the check will be sent XXXX O/N to the property address ( probably be sent out on Monday XX/XX/XXXX ). The overdraft fees will not be reimbursed as both payments were made by someone who had access to your personal Guild Mortgage account information. This is not an error by Guild Mortgage Company. Please call Customer Service at the number below if you have any additional questions or concerns. Thank you!
Sincerely, CustomerService Guild Mortgage Company Telephone : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX www.guildmortgage.com Company XXXX # XXXX Equal Housing On Thu, XX/XX/2017 at XXXX, XXXXXXXXXXXX wrote : Please refund the loan payment not authorized by customer made on XX/XX/2017. See attached bank statement showing duplicate pmt. Only authorized pmt was made on XX/XX/2017 in the amount of XXXX made online .... would like to know who tried making payment on XX/XX/2017. Also would like to be reimbursed for bank overdraft charges in the amount of {$100.00} since this was error on Guild mortgage part.
Thank you, XXXX XXXX XXXX I do n't feel this matter is being handled in the proper manner and I would still like to know who called in payment and what number they called from. This is very serious and has handicapped my family in more ways than one. I need answers. This seems like fraud to me as well as my bank, XXXX.
Thank you for your help.
Sincerely, XXXX and XXXX XXXX
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| 01/30/2023 |
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/XXXX, I notified Guild Mortgage Company that I changed XXXX XXXX XXXX and sent them verification, which they acknowledged on their website, showing the reduced amount of Homeowners insurance.
Guild stated that they sent me the check for the old XXXX XXXX XXXX and to send it back to them so that my account can be properly credited and reflect the lower payment to be assessed for the XX/XX/XXXX, payment.
I receive their refund in the amount of {$2700.00}, which I promptly sent a personal check in that amount to them by overnight via USPS. It arrived in their XXXX XXXX XXXX XX/XX/2023 as shown in the attached documents. I had notified them by email prior to and after the XX/XX/2023 email. As of today they have refused to or attempted to retrieve the overnight mail containing the check so that my XX/XX/XXXX, payment can be accurately reduced.
I contacted XXXX XXXX and their representative in the XXXX department for Guild more than 5 times prior to making this complaint and have made every effort to contact them by phone.
I tried calling their Servicing Department as shown on their website and instead kept getting referred to a solicitation for XXXX XXXX instead, which is quite disturbing.
As of today I am have to pay the {$3000.00} mortgage payment instead of the lower amount if Guild were to properly take into consideration the check that has been in their XXXX XXXX XXXX XX/XX/2023.
Since this complaint, I have changed XXXX XXXX XXXX again and will have an even lower previous which will reduce my total payment below {$2800.00}. This second change in XXXX insurance companies will be effective XX/XX/2023. I purposely waited to have this new insurance to take effect on XX/XX/2023 to give Guild sufficient time to correct the " current '' escrow payment that they refunded. I thought 11 days would have been plenty of time to begin my new homeowners insurance, but now that have not even picked up the current refund check in their XXXX XXXX there will now be more necessary delays in correcting the homeowners premium the currently have on file the second change coming in XXXX.
This entire confusing issue is purely due to their negligence in not picking up the refund check that I sent, correcting the current payment and in XXXX they will receive the second homeowners insurance companies that will ultimately reduce my entire mortgage payment even further.
Their outrageous customer service in not having a XXXX XXXX XXXX phone number to contact them directly and instead, an up-sale for XXXX XXXX XXXXXXXX is equally outrageous and deceptive.
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| 11/12/2021 |
Yes |
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- Struggling to pay mortgage
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Web |
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I took the COVID XXXX forbearance for 9 months between XX/XX/XXXX and XX/XX/XXXX after losing a job due to the start of COVID restrictions in XXXX. I started a new job in XXXX of XXXX and was ready to work on the loss mitigation/modification plan for my mortgage after this time. Initially, no one would even talk about how to get the account current until XXXX year had passed from the forbearance date. Then I was asked to fill out a loss mitigation application in XXXX of XXXX to see what loan modification options were available to me.
The loss mitigation process has been near impossible, and no end is in sight yet. This request has been going on for 5 months now, and probably a dozen or more different requests with new items requested each time. Things like bank statements, proof of hardship, explanations of deposits, tax returns, budget numbers- this list goes on and on. I send in the information requested each time, but it is definitely wearing on me and they know more about me financially than I even did at this point.
I can not get past this process, and they say it needs to be 100 % complete to be given options to fix the account. It almost seems like harassment at this point. I continue to fill out paperwork and send things in, probably at least once a week. Then they come back with new generic documents with additional items required I have to procure.
At the same time, the collections department is calling and threatening foreclosure on the home, even though I am working through the loss mitigation process. It is not my fault that they keep requiring additional information, and have pushed this process so long. The collections department and loss mitigation department are not connected for some reason either, so when I ask if they can reference prior discussions, they don't have that information.
I am just trying to get some type of loan modification option so I can get my account current, whether that be the option to tag the payments to the end of the loan ( my preference ) or something else. I CAN NOT get to this point because their loss mitigation application process is a mess. And I fear they are going to try and foreclose because of how long this process is taking ( as stated earlier, over 5 months of back and forth at this point ). I am making my monthly payments now for a while, but they want to collect now on the 9 months of forbearance and I just don't have that kind of money available all at once. I thought there were rights offered to people in my situation with the CARES Act, but each time I bring that up I am ignored.
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| 04/10/2018 |
Yes |
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- Trouble during payment process
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Web |
Older American |
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Issue 1 ) Property damage sustained on or aboutXX/XX/XXXX. Claim filed with homeowners ' insurance onXX/XX/XXXX. Insurance adjuster inspected damage and filed a report with the insurance company. Check for {$17000.00} received on or aboutXX/XX/XXXX. Check endorsed by homeowner and sent certified with return receipt to mortgage company along with insurance company 's estimate. Estimate of {$6000.00} obtained from plumberXX/XX/XXXX and sent to mortgage loss draft department. Check made out to plumber and homeowner for 50 % / {$3000.00} given to plumber on XX/XX/XXXX. Plumber work completed onXX/XX/XXXX County inspector approved plumbing work onXX/XX/XXXX. Final plumber invoice for {$3000.00} and county inspector approval sent to mortgage company on XX/XX/XXXX Acknowledgement received XX/XX/XXXX from mortgage company of receipt of plumber final invoice and county inspector approval and informed by email from mortgage company that a inspector for the mortgage company would be contacting us in 72 hours to schedule an inspection of the plumber 's work and to contact the mortgage company if we were not contacted during that time. As ofXX/XX/XXXX we were not contacted in the 72 hour time by any inspector. OnXX/XX/XXXXcontacted the mortgage company that we had not been contacted by a inspector. On XX/XX/XXXX we received an email stating that ; " We regret to inform you of the continued delay in regards to your property inspection. Our inspection administrators are experiencing difficulty assigning an inspector in your area. Alternate vendors associated with your zip code have been contacted. We will provide you with an update as quickly as possible. '' On XX/XX/XXXX received an email from mortgage company asking ; " can you get me something in writing from the contractor to show what they have completed and I will look into issuing you the next disbursement? '' This email was forwarded to the plumber asking him to please respond to the mortgage company request.
Issue 2 ) Regarding the above insurance claim estimate ; according to the estimate on page 4 under General Items, number 1, Dumpster 10 yard for {$440.00} is part of the insurance check issued. The {$440.00} should be issued to us as we paid {$280.00} for the 10 yard dumpster described in the estimate. There will be rental charged for this dumpster, so we are entitled to the full {$440.00}.
Issue 3 ) Regarding this same claim for the repair of damaged floors and insulation which has been estimated by a restoration company and that estimate forwarded to the mortgage company.
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| 05/21/2018 |
Yes |
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Web |
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My Parents are first time home buyers. The Mortgage Company is Guild Mortgage ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX, IL XXXX ; XXXX Office ; XXXX Cell ; XXXX XXXX Branch Manager.
My Parents went to XXXX XXXX 's office on XX/XX/XXXX to sign the Mortgage Papers, at that appointment XXXX reassured us that the Interest rate which was 4.25 % and the Payment which was {$590.00} WOULD NOT INCREASE BECAUSE WE ARE LOCKED IN. Our first closing date was XX/XX/XXXX, It was Cancelled by XXXX due to a glitch in the Deed of the home and had to be fixed before signing. After many calls, and emails, and text messages trying to find out when the closing would be, it was pushed to XX/XX/XXXX. We said ok, then got another message saying no closing on XX/XX/XXXX. No reason why, just couldn't do it. My parents went to the closing on XX/XX/XXXX. NO IDEAL anything had changed, signed the papers that was handed them without explanation, Then when he was leaving the closing, told us that the Interest and payment went up, I called it to his attention that NO WAY they could go up because you SWORE to us nothing would change. My parents are on a fixed income, ages XXXX & XXXX and had done budgeted the original mortgage. The Interest went up to over 5 % is what he told us, and the house payment went up to {$650.00}.
This man knew that the Interest and payment agreement ran out on XX/XX/XXXX and never once told us. NEVER called my parents home, never sent a letter, email or text. WE are OUTRAGED. My parents also qualified for the XXXX County community Development ; XXXX XXXX XXXX ; XXXX, IL XXXX ; for the amount of {$4300.00}. Seller was responsible for closing costs. We had been told that my parents would receive a check at closing and could be used towards the update on the home.
My parents have been lied to, taken advantage of, and I am outraged. They never received a penny from closing, they also had to pay an outstanding tax bill in the amount of {$3000.00} and an outstanding Sewer bill in the amount of {$270.00}. NO ONE TOLD US ANYTHING ABOUT THIS OR WE WOULD NOT HAVE PURCHASED THE HOME!!!!!!!! Closing cost went from {$4200.00}. to over {$8000.00}. HOW in the world doe they get away with this???? ALL LIARS. My parents are on a fixed income like I said, and to someone like XXXX the extra {$70.00} dollars isn't much, but when you go without food so that you can purchase your husbands XXXX at over {$300.00} a month, that {$70.00} dollars adds up. We will stand behind anyone that will get this company for the pitiful lies they tell people.
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| 10/19/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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This is in regards to the Guild Mortgage Branch below : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX NMLS ID # XXXX Branch Manager : XXXX XXXX On XX/XX/XXXX I contacted XXXX XXXX based on referral of my real estate agent so I may refinance my two homes, one in XXXX and the other in XX/XX/XXXX At first XXXX was great, very communicative and great to deal with. I would say roughly XX/XX/XXXX was when communication became really bad. I would call or text/e-mail to not get a response or if I got one, would be a day or 2 later. I was told several times that we would be closing on the properties in a week or two. Those weeks became months. I waited on the order for the appraisals and reminded him many times to just not get a response. I finally got an appraisal done on the XXXX home on XX/XX/XXXX, a full 148 days later all while not hearing a thing about the refi in XXXX.
After being fully frustrated I reached out to the branch manager, XXXX XXXX in hope to solve this. She transferred me to XXXX XXXX to take over my account which was roughly XX/XX/XXXX. Just like XXXX, the communication was great but quickly dropped off. I was now told from XXXX that I would close the end of XXXX which then turned to the first week of XXXX which then turned to XXXX. The XXXX appraisal was completed XX/XX/XXXX after several requests for it.
It is now XX/XX/XXXX, I sent an e-mail stating my frustration on XX/XX/XXXX. I have not heard anything back for three weeks. I reached out to both XXXX and XXXX last week to not get a response. I am now at 207 days since I first talked to XXXX.
Through the process or dealing with XXXX, I would get a random call here and there from XXXX asking for information. My understanding was XXXX was not working on my account anymore yet it seems XXXX was just taking up the communication aspect. It would seem they never were on the same page and I had to send my documents multiple times. I also had to have my credit pulled a second time because they dragged their feet so long, my last report expired, which in turn cost me points on my report.
This refinance has not only wasted my time but cost me money as well. I paid {$650.00} for the appraisal of the XXXX home and even kept my XXXX home out of forbearance which could have been saving me money in this rough time. The point of this was to save money monthly because of the hardships the economy and myself are suffering right now yet I haven't saved anything and only gained a lot of stress and spent money.
|
| 11/04/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX XXXX On or about XXXX hrs. XX/XX/2020 my wife and I contacted GUILD MORTGAGE COMPANY in order to inquire and apply for a VA refinancing of a Conventional home loan. Specifically, we endeavored to transfer our Conventional mortgage product to a VA refinanced mortgage, as I am a service connected XXXX XXXX veteran and endeavored to use my VA Loan Guaranty product ( s ) Subsequently, we were connected with : XXXX XXXX XXXX Officer | NMLS # : XXXX GUILD MORTGAGE COMPANY LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX M : XXXX | F : XXXX XXXX XXXX We articulated, to the aforementioned, the product we wanted to pursue. We were told this was a product offered by Guild Mortgage Company. We were instructed to provide all information via the Guild Mortgage website application, as well as, to provide prior two ( 2 ) years W2 's. LO indicated there would be a HARD PULL upon our credit report ( s ).
We completed the application process and emailed ALL requested documentation. On or about 1800 hrs. LO called and articulated all was well and that, but for the reduction in interest rates as the result of the national election, we would have to revisit the locking in of a lower interest rate on the following day. The next day, today, about 1400 hrs. LO contacted me and stated, " unfortunately, we would not be moving forward because her company does NOT offer a Conventional to VA refinancing product and that she was not aware of this and did not find out until moments before contacting myself. Furthermore, LO articulated she would be emailing a quote for a loan product but NOT what my wife and I requested ''. I told LO, " I did not appreciate her wasting our time, especially, negligently placing a Hard Inquiry upon our credit report and damaging our credit scores, when Guild Mortgage Company does not even offer the product we need and that I was extremely unhappy! '' LO stated, " Sorry, I suggest you shop different mortgage companies in order to locate the product you want, like I said, I will email you the product offering I previously mentioned, goodbye and have a nice day! '' This is unacceptable and deleterious, false, deceptive, misleading, negligent, tortious, damaging and bad-faith business dealings by Guild Mortgage Company and their Loan Officer, as well as, a violation of the Texas Deceptive Trade Practices Act ( DTPA ) laundry list.
Please advise, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/18/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Application, originator, mortgage broker
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Web |
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Guild Mortgage used dishonest bait and switch tactics to acquire my business, have me pay for : -Home inspection -Boundary survey -Property Appraisal -Flood determination -Second survey for flood certificate ( Per loan investor request ) -Flood insurance ( Per loan investor request ) And once we 're far along in the process they make me change the loan product to something more expensive.
Case Timeline : XX/XX/XXXX GUILD sent me a pre-qualification letter for a Jumbo XXXX ARM loan ( 4 % rate / 5 % down ) XXXX XXXX I found the house I want to buy and I make an offer.
XX/XX/XXXX I sent to GUILD a copy of the executed sales contract. The closing date is set for XXXX XXXX. GUILD told we can close in that date.
XX/XX/XXXX GUILD sent me a loan estimate to sign XXXX XXXX GUILD sent me a loan estimate with the rate locked ( 3.875 % rate / 5 % down ) XX/XX/XXXX ( closing day ) GUILD was nor ready to close and asked to reschedule the closing to XX/XX/XXXX XX/XX/XXXX GUILD sent me the closing disclosure XX/XX/XXXX ( after 45 days of the offer acceptance and 4 days before closing ) GUILD notified me that the " loan investor '' can not approve my loan and the main reason was : " Investor not using any rental income from current property since it shows up on only most recent year of tax returns and two year history could not be established ... no exceptions. '' This is unacceptable, I got a pre-qualifiation letter and after my loan was approved and reviewed by the lender 's underwriters I got a loan estimate and a closing disclosure document. It 's my understanding this is what underwriters do, they validate all the loan requirements and they should know what is the investors guidelines for each loan product.
At this point GUILD offered me another product of course now this is more expensive. XXXX Mortgages XXXX with 4.5 % rate and another with 4.625 % rate. And now I have to put 10 % down.
This extra 5 % was a big hit on my family savings and it 's causing financial struggles in home.
At this point I do n't have another option to accept this new loan product. I was on risk of losing the house my family want. ( Seller have other offers ).
If I went to another lender I would have to start over all the process.
XX/XX/XXXX GUILD sent me the closing disclosures for the new loans. Closing date set for XX/XX/XXXX The effective closing date was XX/XX/XXXX
|
| 09/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Guild has already promised to make me whole in the following matter, but I am filing this complaint for the benefit of others similarly situated who are not aware that Guild is mishandling their account to its own advantage.
Earlier in 2022, I took out a conventional fixed-rate mortgage from Guild Mortgage Company in connection with a new home purchase. As is routine and expected, Guild promptly sold the note while continuing to service the loan.
I recently received a letter from Guild, stating that " As a result of an examination of your mortgage loan file, a refund for appraisal fees we collected in the amount of {$150.00} is being made for your benefit and applied to your loan as a principal reduction. '' This {$150.00} fee coincides with a line item " Appraisal Fee - Review '' which appeared on my XXXX settlement statement at closing. My presumption, which Guild did not deny when I alleged it in correspondence with them, is that no such review ever actually occurred ( Guild chose the appraiser, so why bother? ) and so they had no basis for charging this fee.
This {$150.00} fee is a cost that I paid out-of-pocket at closing time, so Guild should have sent me a refund check rather than applying it to my principal balance. Furthermore, even if I had financed my closing costs, they should have given me a credit for the interest which has accrued on the {$150.00} since closing.
By applying the {$150.00} to my principal balance rather than paying it to me directly, Guild was being unjustly enriched at my expense because prevailing mortgage rates, and even treasury rates, have now risen significantly higher than the fixed rate that I received. Until such time as my loan matures and the final payment has to be remitted to the note-holder, the {$150.00} credit to my principal balance is nothing but a bookkeeping entry. By postponing any actual payment until that time, Guild effectively gets to piggyback on my favorable loan terms and invest the money elsewhere at higher yields, taking the same opportunity away from me.
Guild immediately folded when I confronted them and has promised to reverse the principal credit and send me a {$150.00} check instead. They evaded my questions as to why they took these actions in the first place. There are likely many other borrowers in the same situation as mine whom Guild has still not properly compensated.
|
| 03/02/2016 |
Yes |
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- Settlement process and costs
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Web |
Older American |
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I owned a home and sold it and closed on the loan on XXXX XXXX. XX/XX/2014 I had a loan modification and received money form HUD that was due to be paid back at the time of the sale. When the loan was refinanced, I was told this was rolled in to the original mortgage rather than being paid as a XXXX mortgage. When the title company showed the second mortgage, the escrow company called and asked was it to be paid out separately, and was told by the mortgage company it was rolled in at the time of the refinance and was reflected in the higher mortgage payment and interest rate. Just 4 days before closing on XXXX XXXX I was told was this was not true by Guild Mortgage and that the XXXX and XXXX mortgage had to be paid off. I asked for confirmation and was not given sufficient documentation that the loan was not rolled in. Nor why my mortgage and interest rate was significantly raised at the time or refinance. from 3/25 % to 4.75 % XX/XX/2014. I would have asked for a different selling price had I been made aware that the HUD loan was to be paid separately IN Addition to the mortgage as a subordinate deed of trust.. I believe the mortgage company did roll the HUD loan, but had no supporting documentation or paper trail. This costs me over XXXX in profit and no one would help me and they said it was a communication error. I also did not have the information or the opportunity to resolve it during closing as the buyer had to close on XXXX XXXX and threatened legal action while Guild insisted that there was no evidence that the new amount reflected the inclusion of the XXXX HUD loan. I do n't see how someone at the mortgage company could tell me the seller and the escrow officer the same thing and then change at the last minute especially as it showed up on the Title as a separate line item ( # XXXX ) and I and the escrow officer specifically asked about it. The closing and settlement process was a nightmare and not characteristic of my genuine good experience with this mortgage company. They have failed to respond to my requests for additional information or the request to explain the difference in the stated amount for loan and principal plus interest to be {$1400.00} among and the discrepancy with what I was paying. I certainly would have had to sell my house if the payments were truly not loan and not what my regular loan statement indicated.
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| 04/10/2019 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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My husband is a vet and we currently have a VA loan with Guild Mortgage, I am a XXXX XXXX XXXX XXXX and XXXX, and use Guild as my preferred lender. Not anymore!! When my husband bought our house in XX/XX/2017, he had 60 days to claim the property as his primary residency. He unfortunately did not to this, which has most recently caused us to be in a different tax bracket. We have rectified the situation with our local Tax Assessors office and gotten our mortgage company what they need. We were told that we had to make our XXXX payment which was {$1300.00} and we did. Our normal payment is {$750.00}. Guild informed us that our information was being sent over to the tax department to be re-analyzed. This was sent to them on XX/XX/XXXX. My husband and I have been calling and checking in with Guild to find out where they are in the process and what needs to happen to put us back to our normal payment of {$750.00}. We were told that they are waiting on the refund from our local Tax Assessors office before they can modify the monthly payment back. Upon calling our Tax Assessors office, we found that they mailed the escrow refund to Guild Mortgage on XX/XX/XXXX. Last week my husband called to check in and was informed that they are still waiting on the escrow refund. We recently received our statement in the mail claiming we owe Guild over a grand for the month of XXXX. Guild has been sitting on this escrow refund for over 2 weeks, and has yet to re-analyze our payment. We have never been late on a payment and always make the correct amount requested. Every time my husband and I call Guild we are told different things by different people. No one seems to know their head from a hole in the ground there. We feel like we are being drug through the mud, once we figured out the problem at the beginning of XXXX we did all the means to rectify the problem to become a solution. I can not say the same for Guild Mortgage. It is a shame that good customers are treated so poorly, we completely understand that Guild Mortgage footed the payment and wanted to be paid back, which they now have. We also understand that this problem would of never happened my husband would of claimed our home as his primary residency. We are simply just trying to get our monthly payment back to the amount it should be so we aren't forced to make payments that we cant afford.
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| 05/19/2020 |
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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In XXXX of XXXX I was referred to a Loan specialist, mainly because of a home buying program XXXX XXXX XXXX that her company offered at the time. I had a telephone conversation with her and documents were submitted, credit check done, all the preliminary things to start the home buying process. I was informed by the loan specialist that I was not eligible at the present time for the loan program due to a foreclosure in XXXX of XXXX, but would become eligible in XXXX of XXXX, 2 years post the foreclosure. she referred me to a realtor and suggested I start looking for a house so I would be ready in XXXX to purchase. We started looking for a house slowly as I wasn't in any rush. I found a house in mid XXXX that was still in the building process. we contacted the builder and was told they have a preferred lender. I opted to go with the preferred lender because they had better buyers incentives to offer. I was given the preferred lenders information and I contacted them in XXXX to discuss purchasing that house. the first person of contacted was the Loan originator he took all the preliminary information to start the process of securing a loan.All communication was via telephone and emails except for one occasion when I met a member from the processing team in person where I submitted. pay stubs, bank statement, ID, W2 thing of that nature was given to him. The original loan application was done over the phone and sent o me viaXXXX to sign the yellow highlighted areas and return to them, The foreclose in XXXX was mentioned and I was informed and at the time was never a issue, the process went through smoothly and I closed on the house XXXX XXXX. In XXXX of XXXX in received a letter from the main office DEMANDING THAT I EITHER PAY BACK THE LOAN OR REFINANCE OR FACE FORECLOSURE IN 30 DAYS. reason for such decision is that my foreclosure back in XXXX was not mention while trying to secure the loan. That information was in fact discussed with the loan originator my relator was aware the previous loan specialist was aware. and it public record.I have tries to get the loan refinance through my credit union, banks but have not been able to do so. paying off the loan is not a option so I am left in impossible situation.
I contact a attorney and I was referred to CFPB for assistance.
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| 04/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I closed a mortgage loan with this company. I was not only delayed 5 days, during which time I was rendered homeless, but I was also unnecessarily charged {$810.00} at closing to " buy down '' my rate. Though the official Closing Disclosure which was reissued to me on XX/XX/2018, it wasn't explained to me that I was being charged .375 % of loan amount for " points. '' The lender, XXXX XXXX, sandbagged my loan though I explained on XX/XX/2018 that serious circumstances existed which may affect my ability to qualify. Instead of advising me at that time that they would not be able to fund me, that it might affect my rate, or that my closing date might need to change, we moved forward unbeknownst to me that my loan was in trouble. We didn't have a substantive dialogue until XX/XX/2018 around XXXX ... 3 hours after I could officially terminate and receive my Earnest Money back under the auspices of not being able to qualify for the loan. Again, if customer service would have been stronger and very important details would hvae been communicated to me during the mortgage process, I would not have been blind-sided by their charge. On XX/XX/2018 they informed me of their proposed " new rate '' of 5.5 % which, to me given the fact I'd disclosed the change in financial circumstances, was a money grab by Guild Mortgage plain and simple.
I am especially disappointed in XXXX XXXX, the branch manager. He blamed me for the loan not closing and laughed at me when I told him that Guild Mortgage should pay for my hotel expenses due to his company 's inability to fund me on time for closing : XX/XX/2018. Instead of reassuring me that we would close the loan as soon as possible and to the best of their abilities, he told me it was my fault that the loan wasn't closing on time - I explained that I had told XXXX XXXX about the circumstances which had changed which could affect the loan closure and he remained adamant it was my fault. Along the way, I voiced my complaints about their business to both XXXX XXXX at the district level and XXXX XXXX VP at corporate..to no avail. Their customer service is terrible and consumers need to know how they conduct their business, especially about their confusing fees which are revealed at the closing table like my {$810.00} charge.
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| 04/09/2021 |
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 got a call from XXXX XXXX with Guild Mortgage, stating that I needed to redo my refinance. I questioned him because I had just finished my refinance three months prior with with Guild, and he wasnt my loan officer. He told me he was taking over for my loan officers workload and advised that my file had been audited. He told me the refinance would be at no charge to me because they had messed up on the refinance and the it would benefit me cause I would've getting a lower rate. I told him I had concerns with my credit and didnt think I would qualify any longer because my credit score was now under 580. XXXX advised not to worry because they would have to pay for all the fees even for the credit repair. I didnt feel comfortable with his answers and didnt understand what he was telling me, I talked to my prior loan officer who no longer works for Guild to see what the problem was. I advised I would give him a call back the next day.
My prior loan officer confirmed that my loan had been audited, but when I advised him that my credit score was below 580, he told me they may not be able to do the refinance because of that. I sent XXXX a message letting him know that I was willing to help get the refinance completed. Then I saw there was a credit check done a couple minutes after I had gotten off the phone with XXXX the previous day. I did not give consent to pull my credit report because I had concerns with my credit score. Since XXXX has pulled my credit I have tried numerous times to call and email to get a response from him on what was going on and why my credit was pulled. In my attempts I have only spoken to his assistant XXXX. She advised he would be giving me a call back and to this day I have not received a response email or a response call from XXXX. To me it feels like he pulled my credit even though I advise I had concerns with my credit, to find out my credit wasnt in the shape it needed to be in order to do the refinance. XXXX was not listening and his only concern was to get the audit cleared on my file and wasnt listening to me when I said my credit wasn't where it should be. I didnt understand why my file needed to be redone and what he was asking me. He was confusing and not listening to me as a consumer.
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| 05/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Guild mortgage company keeps mis-managing my account. My first year with them they added home owners insurance to my account even though they had proof at I already had my own home owners and they were paying the bill from my escrow, after months of phone calls they finally rectified the situation. Then XXXX of XXXX I received a letter from them stating I had a shortage in my escrow account. They assured me that it was due to an error my loan officer had made and I had not paid in enough at closing. Seemed legit and I did n't know how to investigate to prove otherwise so I paid the shortage. I have received another letter stating that I have another shortage again. This time much larger as indicated by the attached document. My first phone call to them the lady I spoke to said it 's normal and it is what it is. She was very indifferent towards me and not any help. I called again the next day and the gentleman I spoke to was much more helpful. He indicated to me that they had to use my {$800.00} cushion that is mandated by law and an additional {$670.00 } ( that they gave me and I owed them ) t o pay taxes from my escrow account. He said it was because of a tax increase. My taxes in XXXX only went up about {$200.00} total. Hardly the {$1400.00} they took. When I explained to him that it did n't make sense, he would n't agree but did look into it further while I was on hold. He got back on the phone and said he could NOT explain it and he would forward me to the " impound '' department who would be calling me withi n 3-5 business days to explain what happened. There is definitely a serious problem with this company and I have read else where online that I am not the only person to have had issue with how they do business or handle escrow accounts. After this conversation I asked what my excels balance was and he said it was over {$3000.00}. Hardly a {$1400.00} shortfall. In the end the paper says my shortage is {$660.00 } ( which I made a payment last year to cover a shortage already ). But their solution is to increase my monthly payment from {$910.00} to {$990.00}. That is not {$660.00} but {$990.00} over 12 months. I can not say for sure what 's happening but it sure looks shady to me!
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| 05/12/2021 |
Yes |
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Web |
Servicemember |
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My name is XXXX XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX. XXXX Texas XXXX. I'm reporting that in 2017 Guild Mortgage used false advertisement to deceive people to do business with them by persuasion of a fake {$6500.00} offer by advertisement at XXXX XXXX XXXX XXXX in XXXX Texas XXXX XXXX by rep XXXX XXXX. Then Guild Mortgage used XXXX XXXX a sales rep off XXXX XXXX XXXX XXXX in XXXX XXXX Texas to use deceptive trade practices and lie til the end and didn't deliver the {$6500.00} max of loans over {$300000.00} ( ours were {$400000.00} ). Then XXXX begs the consumers to give Guild Mortgage good reviews after he knew the home owners were glad to get it over with after 8 months claiming delays by XXXX XXXX XXXX permitt delays by XXXX XXXX mistakes. My wife and I was going with XXXX XXXX until XXXX XXXX along with XXXX XXXX kept pushing the {$6500.00} incentive of Guild Mortgage offer by flyers / advertisements in the model home by XXXX XXXX. My wife XXXX and I will testify we asked XXXX XXXX throughout the extended process in his office personally several times. What we was told was the money would be available at closing to ensure that the process was complete! But we were deceived because no one was at the title company at all like we were told! We didn't know the process was done by title personel only! When we complained no return calls. I went through XXXX and XXXX XXXX issues and 2nd XXXX, XXXX XXXX from XXXX from the first XXXX and was medically unabled for quite some time and XXXX was priority. When we contacted Guild Mortgage with the proof of false advertisement Guild used the reviews that XXXX XXXX use to justify we were satisfied priod! Negliglecting and ignoring the FALSE ADVERTISEMENT GUILD USES TO CREATE BUSINESS FOR THEMSELVES DRIVING BUSINESS AWAY FROM THE COMPETITION!! REAL CRAFTY AND SHOULD BE ILLEGAL DECEPTIVE TRADE PRACTICES BY STATE AND FEDERAL LAW!!! I'M VERY UPSET THAT GUILD MORTGAGE WOULD TAKE ADVANTAGE OF A XXXX VETERAN ESPECIALLY AFTER XXXX XXXX DENIED THE SPECIAL RATE OF 3.25 % RATE THAT WAS INTITLED TO XXXX VERTERANS BY TEXAS XXXX XXXX AT THAT TIME PLUS ADDED POINTS DRIVING THE FINANCE RATE EVEN HIGHER! I STILL HAVE THE FALSE ADVERTISEMENT AND CAN SEND IT TO YOU!
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| 07/09/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I am again filing a complaint against Guild Mortgage company. Guild has continued measures of harassment although they have been notified of the sale of our home. The process is currently in escow and I have been providing them with current updates in this regard with certified and notarized documentation. I have tried and tried even through the previous complaint in which they changed legal documentation as submitted to the Consumer Financial Protection Bureau once they were required to submit documentation stating that they were right in their decision making and reporting of false statements on my credit report in which they admitted to myself and I provided that documentation and they went ahead and changed the exact documents omitting the data of their choice. They also changed our account history based on their want in which the documentation then then mailed to my house has been actively changed by XXXX XXXX. XXXX XXXX also had a associate contact me in response to these measures telling me that the recorded conversations of all phone calls they have on file and when I asked to liten to the recordings as well the male individual stated that those are their recordings and I will not get access or ability to listen to these recordings. I also find it rather disturbing that they are permitted to change legal documentation in regards to mistakes that were brought to their attention in order to avoid any further action towards them in favor of a borrower. Interesting that they now sent a certified letter stating foreclosure when XXXX verbalized permitting hold payment during the payoff period and now they are stating they are going to take our home when it has already been sold with contract acceptance and proof of lending from a different mortgager. They have forged documentation in stating that they were never holding money without our knowledge. It was done numerous times over the last 18 months but them being able to falsify documentation in order to present prejudice behaviors against us, changing dates and information. I hope that an investigation will be done looking deeply into their account process especially because they are actively breaking the forth set mortgage lending laws.
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| 06/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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In XX/XX/2021, I began working with Guild mortgage. We were initially working towards a VA loan but after months of looking at that, were told that if we were able to come up with 5 % down that we would be qualified for a conventional loan. I came up with the 5 % through documented back wages that were owed to me and contact the company. I never heard back other than to question the source of the wages which I explained. I still never heard back. I found a house and submitted an offer and when the realtor messaged the mortgage broker to see where we were on the prequalification process, the broker directly called back to inform her that we have been denied. We were not informed of that. I had not heard back since explaining to XXXX where the wages came from. I feel there was a breakdown in communication and relationship happened when we were told to go for the conventional versus the VA.
I became very upset and stated to XXXX this is too much, I need a break, thank you for your time before hanging up abruptly and at that point, I only dealt with XXXX and with an average four day wait in communications and was then denied a loan without being notified notified.
I feel that at the point I hung up the phone abruptly, and emailed XXXX explaining my personal situation, that XXXX personally felt she had the power to contribute to extreme horrors in my life and opted to do that rather than just telling us we were denied for a loan and allowing me to part ways and go to different alternatives.
After being denied the loan according to the realtor, XXXX who was emailed by the realtor, messaged me to explain that XXXX would be reaching out. I waited the entirety of the rest of the business day and I made four calls to the business and XXXX cell phone that were all unreturned. Its clear to me that the breakdown of communication was extreme and just not stated.
It is noted and identifiable that I am an XXXX woman from outside of the area and I feel that preconceived biases about race allowed my asking for a break to be interpreted as aggression which then led to me being denied a loan and not even told about it.
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| 05/24/2017 |
Yes |
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- Struggling to pay mortgage
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Web |
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I am upset and disappointed at how Guild mortgage has handled my loan, and my request for payment assistance. I have a foreclosure sale date for XXXX XXXX , 2017, I fell behind due to unseen circumstances, and I could not pay my mortgage payment. I told a representative from Guild mortgage that due to loss of income, I needed a more affordable mortgage payment. After fighting for my rights as a homeowner with Guild representatives, I was finally offered a modification. The modification offered to me brought my mortgage payment higher and I was informed it was an FHA or HUD disaster relief modification program. My home has not suffered any damages, and there has not been any disasters around my area why was I approved for this modification? I have read the guidelines for this program, and due to a disaster they bring the mortgage payments down. It does not make sense to bring my payment higher and make this offer. My home needs repairs but there is no serious damage due to a disaster. I can send proof that my home has not suffered any damages. I made no payments on this offer due to the higher payment. I called last week on XXXX XXXX asking how much time they needed in order for me to submit a complete modification packet before an auction sale date. I was told that they would not review any packets due to FHA offering me a modificattion already. That I had to w ait two years in order for me to reapply. This is absurd!! I have never been through so much stress with a company. All of this has made me thing that Guild mortgage engaged in fraudulent and deceptive practices. I dont want to lose my home, Guild made an offer without reviewing my income and expenses, they just made the offer with a higher payment. I keep falling further behind, and all I am asking is for a fair review of my financials and for Guild to postpone my sale date while I submit documents. I am asking for FHA/ HUD to give m e an opportunity to submit a complete packet. Its impossible for me to wait two years, my home is about to sell.
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| 04/25/2020 |
Yes |
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- Trouble during payment process
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Web |
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I want to apply for the Cares act forbearance on my home mortgage but my mortgage lender makes it sound like I have repay the lump sum at the end of all this. I copied from their page what it says exactly. I have posted below what they are saying. It is from Guild Mortgage. Thanks for taking the time to look this over. Have a great week and stay safe out there!
" Yes, the forbearance plan is a temporary relief option.
The payments missed while on the suspended forbearance plan will become due upon conclusion of the forbearance period.
We recommend that if you are able to continue making payments during the forbearance that you do so. Please contact us to make arrangements if you wish to make partial payments.
If your account is impounded or escrowed for taxes and insurance, Guild will continue to pay your taxes and insurance as they come due while you are on a forbearance plan. However, this may create a shortage in your escrow account and an increase to your monthly escrow payment the next time an escrow analysis is performed.
If you wish to pay escrows/impounds for taxes and insurance during your forbearance period in order to reduce the future escrow shortage, please contact Guild Mortgage to make arrangements prior to sending the amount.
In summary, forbearance can provide temporary relief from your mortgage payments ; however, at the end of the forbearance, you will have to reinstate your loan by paying all your missed payments in a lump sum or apply for additional options.
We recommend that you evaluate all alternatives and wait to apply until you determine that you will be unable to make your payment. For example, the CARES Act provides options for no-penalty withdrawals from your 401K. * Additionally, you could file for your tax refund, if you havent already. That way, the assistance options we provide will help you in the months that you need it the most. ''
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| 11/26/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
- Application denials
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Web |
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Guild mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I as a single mother with steady income, steady household income have been denied due to not having credit scores over XXXX. For FHA loans on all government websites it clearly states these loans are specifically designed to help people like me with less than average credit scores or marks on their credit. These loans are being used for people who have higher credit and are being told all credit marks on their reports must be remedied prior to loan acceptance. If I had a perfect credit score or credit profile I would not be looking to obtain a government backed loan. No banks are offering the XXXX credit limit as disclosed as a requirement for the FHA loan, rather asking for XXXX or above. I have attempted through multiple lenders and now my family is at risk for homelessness due to the loan system. I have the ability to pay, I am currently paying and have the ability to pay all future payments. I am being told with a monthly household income of over XXXX after taxes my household does not make enough money. I feel I have been discriminated on as when working with guild mortgage my lender contacted my real estate agent and notified him I was unable to obtain any loan and would not be capable of obtaining any loan. This has greatly affected my ability find and secure housing for my family. If government backed loans are specifically made for lower income, lower standard individuals like myself ( single mother households ) why these loans not being provided to individuals such as myself to remedy homelessness or the chance of. Where go? Who do we turn to? Do we just accept homelessness? There has to be someone who lends based on government standards set in place rather than making their own standards and denials based on poor credit scores when clearly the minimum score has been set at XXXX. Can you please direct me.
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| 06/21/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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For the past 6 years we have had an active mortgage loan with Guild mortgage. We had set up agreements with them regarding making monthly payments and another 1/2 a payment. They continue to state that they did not set this agreement now that it has come to our attention due to putting the house up for sale that they were not indeed applying this money but taking the payment and keeping the other 1/2 a payment in an undisclosed account. This year with graduation as a XXXX we elected to just go back to making monthly payments well we did not relize that over time each payment was slightly short a few dolars or cents. Instead of notifying us of this even though we were calling and physically talking to an employee working at Guild that was giving us the amount to pay they would just put the money in an " undisclosed account '' and repeatedly reported us to the credit bureau. When it came time for the final payoff as we are in the process of selling I received a payoff statement with all this reported late charges etc. No phone call nothing and we then received our credit report. I become XXXX when I saw what had been repeatedly reported as being late of payments. I called to discuss this matter and have continued to get the run around. I have received letters stating they would perform a correction with the noted credit reporting which has not happened. We are now being denied for a home loan because of what they have done to our credit. In 6 years I have paid every dollar and have worked for every XXXX. I feel as though they are destroying my life literally and when I tried to explain the current situation the loan individual literally laughed. I feel trapped and they stated they are in control which is more than clear at this point. I want the reported mistakes acutally taken off so I can more on with my life.
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| 10/07/2016 |
Yes |
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- Settlement process and costs
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Web |
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Sir/Ms., My loan is closing in appx 14 days. I do not know, but HOPE you can help within the time-frame. The subject is " C. Services You Can Shop For '' change between the original and updated Loan Estimate.
Summary Change Cost rose 34.4 % ( + {$1200.00} ) from the XX/XX/2016 estimate to the XX/XX/2016 estimate.
First estimate : {$2400.00}.
Second Estimate : {$3700.00} I do n't know if they are linked, but the Seller Credit changed from $ XXXX to $ XXXX ( $ XXXX from " Cash to Close ''. IF the two are supposed to off-set each other, then my net INCREASE in the " C '' section rose {$800.00}, or 32.7 %. I do not know of this is legal or illegal. If nothing else the change is unethical to me, and completely deceitful. It has caused high anxiety and agitation.
Detailed Breakdown From Guild Mortage Company - UPDATED LOAN ESTIMATE XX/XX/2016, as written in the estimate : Date of Change : XXXX/XXXX/2016 Date of Re-Issued Loan Estimate : XXXX/XXXX/2016 Changed Circumstance : Change Affecting Settlement Charges Fee Changes Associated with Changed Circumstance : Received escrow fees and updated accordingly : Doc Prep {$200.00}, Doc Del {$25.00}, End was {$75.00} to {$100.00}, Title was {$660.00} now {$940.00}, Messenger {$50.00}, Notary was {$200.00} now {$250.00}, Rec Svc {$13.00}, Settlement was {$1500.00} now {$1800.00}, Sub Escrow {$62.00}, Wire {$25.00}, Deed Rec was {$100.00} now {$85.00}, Warranty Rec was {$21.00} now {$35.00}.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From Guild Mortage Company - XX/XX/2016 C. Services You Can Shop For Title - Endorsement Fee {$75.00} Title - Lender 's Title Insurance {$660.00} Title - Notary Fee {$200.00} Title - Settlement Fee {$1500.00}
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| 11/30/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I 've contacted Guild mortgage multiple times to address bringing my past due mortgage current. I contacted them on XXXX XXXX two times and had a question regarding unapplied funds and partial payments. In speaking with both agents, when asked about this issue they seemed to be uneducated. When I asked why I would not be able to make partial payments, or use the money which is in my suspense account to make a full payment, I received basic answers like this is just a policy. The second agent I spoke with continued to talk over me, rather than listening to my actual question. I was unable to get any answers as to why I can not make a partial payment to make up a full payment using the money which is in unapplied funds. I wanted to know if this is an FHA loan guideline, or a company policy. Neither agent could sufficiently answer this question. It seems to me that if I have money in unapplied funds, and I have enough to make a full payment using MY MONEY, that is sitting in unapplied funds for that exact reason, I should be able to do that. Neither agent could calmly answer my question, and both became confrontational without listening to me. If this is an FHA guideline, I 'd like to be advised of that. If this is a company guideline, I would have asked to speak with a supervisor who would be able to override this nonsense rule.
Also, I was on hold for more than 20 minutes before being able to speak with an agent. I understand it is the last day of the month and a lot of people are getting payments in, so I understood that, but feel it is worth mentioning considering I used to work for a loan servicing company and whenever our Average Hold Time ( AHT ) was over 2 minutes there was panic in the office to get on the phones, and opportunities to work overtime. We do n't want people waiting that long!!
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| 09/02/2023 |
Yes |
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- Trouble during payment process
- Fees charged
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Web |
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Guild Mortgage Company increased my monthly payment on a ( 30 year fixed loan ) in excess of {$360.00} per month. In addition to the increased monthly payment XXXX added fees for services not yet rendered, fees for services in excess of valid cost of service and fees for services not rendered at all. In addition, XXXX failed to remove the PMI upon request once the equity in my home qualified for the removal. XXXX exceedingly added fees and charges it required me to satisfy in order to avoid foreclosure. I was unable to cure the amount XXXX was demanding as it including {$9000.00} in fees for the trustee PRIOR to initiating a foreclosure.
As a result, my home was foreclosed. An investor bought my home at the trustee sale. My mother who was in need of daily assistance with living resided in the property with me at the time of the trustee sale. She and I were forcibly removed without a moments notice. I was prohibited from even putting shoes on my feet. My mother and I were displaced from each other resulting in her to pass unnecessarily after suffering multiple strokes without medical attention. Her brain suffered too much damage for her to recover.
The investor was given access to my home and ALL of my personal property. The movers threw a lifetime of personal possessions in a storage unit as if it were the dump. A lifetime of personal property was destroyed after the movers took what was of value for themselves.
I am currently in the Nevada Supreme Court after the XXXX XXXX erred in judgment by dismissing the wrongful foreclosure case against XXXX. I hope this complaint is taken seriously and action is taken to prevent XXXX and other banks from predatory loan servicing with the intention to force a foreclosure thereby destroying my life.
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| 03/01/2019 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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|
Web |
Servicemember |
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I called XX/XX/XXXX to make payment arrangements per the company website. I was told to call back when I could make a payment. I was also told that depending on the payment amount I could make I would then be able to enter into an informal or formal repayment arrangement. I was told I would receive the certified letters and phone calls even though I had called in and made informal payment arrangements. When I called today, XXXX XX/XX/2019, I was not able to use the automated system or the online system. I was also not allowed to make a payment by calling the number the automated system referred me to : XXXX. I was on hold for over 30 minutes and then when I did get a representative she had no idea of my earlier call or the arrangements. I as told by this representative that I would be told what they could accept. I told her I literally had only {$3.00} available today but I wanted to get started on getting my account back to current. She refused to accept my payment and said $ XXXX, was not enough for them to accept any payment from me. I asked for a supervisor. She tried to continue to talk to me about paying more. I told her I literally did not have anymore today but would call back again. She laughed at me and then after I asked twice more she sent me to a supervisors voicemail. I left a detailed message with my name, account number, phone and the issue I was having. I requested my account be paused as the supervisors voicemail says it will take 24-48 hours for her to even return my call. They ahve people coming to the property and leaving door hangers that say it is urgent i call with just a handwritten phone number, no name, mostly in XXXX. When i call it is the debt collection line for delinquent accounts at guild mortgage.
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| 04/15/2017 |
Yes |
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- Improper use of my credit report
- Report improperly shared by CRC
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Web |
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I contacted XXXX XXXX with Guild Mortgage on a fact finding mission to obtain information on mortgage loan products. I was very clear to XXXX that I was in the preliminary stages of my inquiry and that I did not want to apply for a loan at this time. XXXX requested tax returns and income information so he could review them and make a better recommendation as to what was available for my wife and I. This correspondence was only to obtain information for a possible future loan. After several days of no response I checked in to see if he had reviewed my documents. He immediately sent me some preliminary information. That information sparked several more questions, so I emailed him again with the same no response. I once again reached out to XXXX and his teammate XXXX XXXX responded letting me know that my " file was in process. '' On the same day I received letters in the mail showing mine and my wife 's credit had been pulled by Guild Mortgage. I immediately called and emailed to find out why this was done. At no time had XXXX XXXX or anyone at Guild mortgage received a signed application for a loan. Furthermore, Guild mortgage had not even spoke or emailed my wife who 's credit was also pulled. They had to obtain our Social Security numbers from the financial documentation I had sent him, which is a clear violation of the Fair Credit Reporting Act. XXXX XXXX did admit to the error but has not provided sufficient proof that this inquiries have been removed from all XXXX bureaus for my wife and I. I would like all XXXX bureaus cleared of these inquiries for my wife and I and for Guild Mortgage to provided the cost of credit monitoring service for my wife and I for a period of one year, which is estimated to be {$300.00}.
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| 01/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Guild mortgage has attempted 3 times to make unauthorized debits against my checking account. I have not set up auto pay with this institution nor did I authorize a one time electronic debit authorization. The first unauthorized attempt was made on Monday XX/XX/XXXX. The second was on Thursday XX/XX/XXXX. On the XX/XX/XXXX I contacted my financial institution to verify that Guild mortgage was the correct company attempting to access my account. I also contacted Guild as was told no such attempt was made. Guilds customer service line further informed me to e-mail the customer service department to open a order to rectify the matter. I sent the e-mail on XX/XX/XXXX to their customer service department. I received the following reply the same day " Thank you for your recent inquiry to Guild Mortgage Customer Service Department. We appreciate the opportunity to assist you. We will review your inquiry and provide a response within three ( 3 ) business days.
Guild Mortgage Company Customer Service Department **** PLEASE DO NOT RESPOND TO THIS AUTOMATED RESPONSE**** Customer Service N/A Customer Service O : XXXX Company NMLS # XXXX Equal Housing Lender Guild Mortgage Company '' Today XX/XX/XXXX a third attempt was made to debit my checking account. I contacted guild at XXXX and was told that my e-mail was ignored because i did not send a copy of my checking account showing the charges. I feel that sending my account information to a unsecured nonspecific general e-mail account is inviting further unauthorized transaction or outright identity theft, and will not be doing so regardless of their request. So I asked to speak to a supervisor and informed them that I would lodge a formal compliant with the FTC, FDIC & CFPB.
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| 11/17/2017 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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On XXXX XXXX, 2017 I applied for a mortgage with Guild Mortgage. I needed this approval in order to write a contract on a home I wanted to purchase. I did a complete application online allowing the mortgage company to run my credit. I also provided the loan officer all of my financials, tax returns, paystubs, XXXX, and bank statements. The loan officer was also provided a copy of the purchase contract from the builder, as I ended up writing an offer. I was never provided a copy of my loan estimate or disclosures, so they are in clear violation of TRID.The loan officer told me I was pre-approved and qualified to purchase the home. I gave the builder close to {$10000.00} earnest money and attempted to satisfy my approval conditions over the last 3 months which included paying off debt and liquidating funds from my 401k for the down payment. The home is new construction and is supposed to be complete in XXXX. On XXXX XXXX, I called the loan officer knowing I would need to update my financials, and found out he decided not to process my loan and had shredded my information. I was never informed of this and never requested them to cancel the loan. Now they are telling me since they did n't process the loan in XXXX upon my initial application ( which is also a violation ), I 'm not really approved and can not approve me at this time. I am going to lose my earnest money, penalties I incurred on the withdrawal of my 401k funds, and I have paid off liabilities that did not need to be paid off, which put my in a hard spot.I have tried to call the managers there, and they said there is nothing they can do. Unfortunately, the only paperwork I have is a prequal letter since they never provided my any further paperwork
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| 01/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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XX/XX/XXXX - Everything was fine until I started emailing XXXX NMLS # XXXX. I told her that my home was closing by end of next month and she should start the process. No response.
XX/XX/XXXX - Requested her to keep tracking of the daily rates and prepare a rate lock for me when there is points towards closing. No response.
XX/XX/XXXX - Seller request documents from XXXX and she starts the loan process where she needs to collect all my information from me. Orders a rush appraisal since loan would be closing in two weeks. The appraiser couldnt appraise home because it has not completed construction. XXXX said I was responsible for the fees.
XX/XX/XXXX - I requested rate lock since she never responded to my emails and i would be closing in 11 days. She told me i had to decide in 40 mins for her to lock my rate. This is when the rate was going up in the month and i should 've received a lower rate and points to closing.
XX/XX/XXXX - requested that i take the first time home buyer course and provide them the certificate. This process takes awhile and should 've been requested earlier. She offered me free courses that I can attend for free to get the certificate. But then when I tried to apply she told me that I was not qualified and it was not necessary for me to attend the course. But now i have to pay {$99.00} to complete the course online and pushes back my loan closing date.
XX/XX/XXXX - Requests me to sign the Certificate of Occupancy which should 've been signed awhile ago and communicating with seller.
XX/XX/XXXX - Title signing has been canceled for tomorrow. XXXX was trying to blame/accused the seller for not providing " documents '' on time by making up documents requested from seller.
|
| 10/20/2023 |
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 |
|
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I have been trying to work with Guild mortgage to find out the true balance of my debt with them after becoming ill and falling behind on my payments I started reading and studying the laws. I had no idea when I signed my mortgage on XX/XX/XXXX that I was signing a blank endorsement or a power of attorney, making them my attorney in fact on my behalf, but after learning some of these laws, I felt very tricked and took advantage of. My understanding of an attorney in fact is that they are supposed to fiduciaries to me the principal. This company has failed to to be fiduciary or have my best interest and has used the power to continue to be misleading for benefit for themselves. Which fall under GA Code 53-7-54 Brech of fiduciary. On XX/XX/XXXX. XXXX, I sent the CFO and the trustee instructions with an endorsed instrument requesting that I rescind my rights in my securities. The CFO nor the Trustee never responded or even took the time to reach out, later in XXXX after I emailed the CFO someone else finally emailed me back and said my instrument which is the same Instrument they are using to collect my payments from is not a legal document and they refused to show me any ledgers or books on my account. I truly believe that this instrument has been satisfied and I no longer owed this debt. I am also supposed to be active with the MERS, which I am not. This company is still signing forms as my attorney in fact, even though I have sent them and their attorney notice that I no longer accept them to have the attorney in Fact and Revoke any attorney of attorney over me. Which violate O.C.G.A. 10-6B-1 through 10-6B-181 They also failed to send me information when I was able to take off my PMI insurance.
|
| 06/01/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
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We have our current mortgage through Guild mortgage, and are in the process of buying a new home.
I called on XX/XX/XXXX and was assigned XXXX XXXX as our loan officer. After the initial consultation me and my wife completed and submitted our application.
XXXX was extremely unresponsive. He never answered his phone, would take days to respond to emails, and refused to ever respond to any correspondence sent from my wife.
After almost a month he finally offered to lock in my interest rate, now significantly higher than what was originally offered to me.
On XX/XX/XXXX he sent over an agreement to sign. This form had my down payment at {$5800.00}. The monthly payments were much higher than we had discussed, but we had also discussed a {$10000.00} down payment. I asked XXXX to let us know what our payments would look like with a larger down payment. The payments didn't decrease by much, so I told him to just go with the {$5800.00}. At this point he let me know that FHA require a larger down payment.
At this point I really lost my confidence in letting this guy handle a process that would affect me for the next 30 years. I spoke with my agent and she recommended a different company. Our current loan officer was very responsive and enthusiastic so we decided to switch to them.
I let XXXX know that we would be switching on XX/XX/XXXX, and have have received no further correspondence from him. My current lender is Moving forward with our loan process, but needs XXXX to release our FHA case number so that he can move forward. Calls and Emails from the mortgage company and myself have all gone unanswered. I feel like he is holding our loan hostage, whether maliciously or through negligence.
|
| 02/11/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I applied for a FHA mortgage from Guild Mortgage for a manufactured home because the other company that approved me for a loan would not give loan for manufactured home. My realtor told me I could get a loan for manufactured home through Guild. I applied, sent all paperwork they requested. They then asked why my XXXX payments did not show on my checking account. I told them I had a representative payee and my XXXX payments go to our account with both our names on it and she transfers money to my account as needed after all bills are paid. They wanted the paperwork stating that I had a representative payee. I sent that. They already had my last 2 yrs taxes, benefit statements. They then said that the XXXX benefits was my representatives income and not mine. I told them they were wrong. Sent them the social security act that states what a representative payee is and how it works and that the income was mine. They said they would send it to an underwriter and get back to me. I informed them they were wrong and that I would seek representation because I felt they were discriminatory towards me because of my XXXX and that my income was XXXX payments. That upset them and sent my complaint higher up the chain. I was sent an email stating they would look into the matter and get back to me within 30 days. Well, the house I want might be gone in thirty days. This process has already gone on for 2 weeks. Now I am Afraid to contact other lenders because this might happen again and I don't want my credit to keep getting checked cause that messes with score. I also will not find another house any time soon that fits our requirements and for an outstanding price I can afford.
|
| 04/26/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
To : Guild Mortgage Company XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Department Borrower XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I find it despicable that I applied for a home loan with Guild Mortgage Company on or around XXXX XXXX, as you would know time is of the essence when buying a home. I sought out a loan of XXXX to XXXX and was made aware that I could not be approved but for only XXXX. I accepted the amount, however XXXX XXXX the loan officer I was working with became rude as if the amount hurt her more and wasnt enough for her to deal with and I was left hanging NO response at all. I have called and emailed several times asking for the approval letter for what I qualify for XXXX so I could proceed with looking for a home. I was able to find XXXX separate homes I liked in that range while waiting for a response. However, I was unable to submit a bid because I didnt have an preapproval letter nor did she ever reply as of the date of this letter.
I was devastated that the loan officer would basically treat me with a prejudice, second class because of my income wouldnt allow for more, so she gave me nothing. XXXX XXXX cost me a nice home, credit hard inquiry which does impact me when applying again and lost time.
I feel humiliated, to not get the approval letter at all nor home buying counseling all the things you are promise before applying to find out that if you dont qualify for enough commission she wants to received then you are wasting your time and credit with this company.
This is unfair and should not happen to anyone!
I want the hard inquiry removed from my credit report for the company did not provide what was promise to pull credit
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| 05/21/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Guild Mortgage Company rejected both my Mother and my payments. The Note Contract is very clear, My Mother XXXX XXXX and I XXXX XXXX have 15 Calendar days pass the first of the month to get the payment to Guild Mortgage Company which totals {$1100.00}. It does not says WE CAN NOT send two checks that totals {$1100.00}. My mother and I are separate entities and are NOT married to one another and have separate checking accounts and do our business separately. Guild Mortgage Company is confused when they read the Deed of Trust that states they can reject partial payments after the 15 calendar days, but our payments were received by Guild Mortgage Company on XX/XX/2019 and XX/XX/2019. Because of receiving these two checks that totaled {$1100.00}, they believe they are in the right to reject payments, but in turn are breaching the contract and technically at that point XXXX XXXX and I would owe nothing once a contract is breached. The Month of XX/XX/XXXX Guild Mortgage Company excepted two separate checks one for {$500.00} and the other for {$630.00} on the XX/XX/XXXX of the Month and marked these two payments as a single payment into their system ( Which is also a banking violation ). I need this issue corrected ASAP on loan number XXXX.
BORROWER 'S FAILURE TO PAY AS REQUIRED ( A ) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be XXXX of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment.
|
| 03/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I submitted a complaint # XXXX on XX/XX/XXXX ; Ref : Guild Mortgage - the complaint was on a Conventional loan not a VA loan. They sent you incorrect information - the information you received was a VA loan when I purchased my home on XX/XX/XXXX. I purchased a second home in the same year in the same neighborhood ; I had to write a statement on why I was purchasing a home in the same neighborhood in the same year ; I was told that there was a special program for my XXXX XXXX Son ; but later I found out that there was no special program with a lower interest rate ; the statement should be apart of the loan documentation for as I know. My complaint is the Conventional loan on XX/XX/XXXX. I am also having a problem cancelling my PMI ; I have written Guild Mortgage several times trying to cancel the PMI on this conventional loan.
I have submitted documentation to Guild Mortgage to cancel my PMI on this property and I am going back and forth ; I paid for a MPO ; I sent the {$150.00} for the brokerage appraisal ; it was appraised at {$86000.00} ; there is no house in this neighborhood appraised at this low price, all the home are {$98000.00} plus. I did not agree so I was told that I needed to send 3-5 homes that was sold in the last year of the MPO. I wrote back and now I'm in the process of sending Guild Mortgage 5 houses that have sold in the last year ; I will upload this information as soon as I gather the market analysis to send back to Guild Mortgage. This has been very stressful and I am tried, I am a XXXX Veteran and I am not always able to write letters back and forth ; but I tried to answer as soon as I am physically able. Thank You!
|
| 11/21/2021 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
|
|
I received a letter dated XX/XX/XXXX from my mortgage servicer : Guild Mortgage that my last forbearance request has been denied. I had mentioned in my correspondence with them I believe their decision is in violation of the federal law.
XXXX. I requested forbearance in XX/XX/XXXX due to COVID-XXXX circumstances which has been approved by Guild Mortgage , however because my loan has been prepaid back in XXXX on a monthly basis, Guild Mortgage continued to apply my prepaid monthly mortgage payments until XX/XX/XXXX.
XXXX. In XX/XX/XXXX, Guild Mortgage sent me a forbearance letter and has granted the forbearance until XX/XX/XXXX in total.
XXXX. In XX/XX/XXXX, I applied for a forbearance extension as I am entitled to XXXX months of forbearance due to initial request date of XX/XX/XXXX, and because I have an FHA loan.
XXXX. On XX/XX/XXXX, Guild Mortgage refused to extend the forbearance in violation of Federal Law governing COVID-XXXX related forbearances and FHA loans XXXX
XXXX. I have contacted HUD certified loan counselor who confirmed that Guild Mortgage acts in violation of Federal Law. In addition, I was advised by HUD certified loan counselor, the mortgage payments paid during the forbearance was supposed to be applied to an escrow account, as per HUD regulations. They weren't.
XXXX. I asked Guild Mortgage XXXX to look into my request to extend forbearance to comply with the Federal Law. In case of continuing denial, I advised Guild Mortgage I would be filing a complaint for investigation with the Consumer Financial Protection Bureau which has jurisdiction over COVID-XXXX forbearance compliance with the mortgage lenders.
|
| 03/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
Around the last week of XX/XX/XXXX, I tried to refinance my mortgage loan with a local company that is in my town, Guild Mortgage. ( Conventional-30 year-no escrow and cash out ). I sent everything to them they requested. ( check stubs, past tax information, etc ) They ran a credit report on me and said everything was good and could move forward. By then we were into XXXX, XXXX and was told everything might be wrapped up by end of XXXX. That did not happen because it took them about 2 weeks to get someone to come to house and do an appraisal. By then it was the last week of XXXX. I received the results of the appraisal on XX/XX/XXXX. There were some discrepancies in the appraisal which made the loan short for getting the cash out I had requested. This company was suppose to contact the appraiser to get this fixed and I am not even sure that was done. On XXXX the loan XXXX we had been working with sent a text and said he was sorry but the 30 year loan could not be done it had to be 20 year. They were informed that this is not what I had requested since the beginning of this in XXXX and why wait so long to tell me?? Then a couple days after that they changed back saying they could do the 30 year but no cash out!! This was very discouraging since I had waited about 6 1/2 weeks to get this done and had my credit report hit with this! I am beginning to feel like this was age discrimination or they just didn't want to refinance since it was a manufactured double wide. They should not have waited and carried this out so long and said something from the beginning. I hope other people do not have this issue when refinancing with this company.
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| 11/17/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I have a mortgage loan with Guild Mortgage and they have XXXX up my mortgage and I now have a sale date scheduled for XX/XX/2018. My loan is a VA loan, but Guild Mortgage literally haw never provided me one opportunity to get assistance. I suffered a severe health issue last year and fell behind on two of my mortgage payments, but got caught up after I came off doctor ordered bed rest and paid them the {$3000.00} I owed them. When I tried to make the next months payment, Guild Mortgage refused my money and said they could not take my payment. I believe they thought I was in foreclosure and did not properly account for the payments I already made. I was arguing with them for awhile, but gave up.
Then a couple of months later I contacted them and they said I owed them {$3000.00} again, but they would not take my payment. When I asked for help their representatives ignored me and told me I had to contact HUD for help. This isnt true and they should have helped me through some type of assistance program. I contacted a law firm to help me, but they were a scam and stole thousands of dollars from me. Now Guild Mortgage has taken me down the path to losing my home through foreclosure. I have significant equity in my home and I believe that they just want to cash in on my home. I have plenty of income to afford a reasonable mortgage payment, but have not been given the opportunity to get back on track. Guild Mortgage must be the worst mortgage company in the world and I need help getting through to them. I am hoping that you could contact them and see if they followed government guidelines regarding assistance programs for VA loans.
|
| 03/25/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
In the summer of 2021 I began seeking properties to purchase with XXXX, XXXX XXXX. With XXXX 's help, was able to find a suitable property and began the purchase process to include spending {$250.00} on a property inspection. Sadly, another bidder secured the property and it was sold to them. Luckily another property became available and once again started the purchase process to include another {$250.00} inspection using the same inspector.
Throughout this time, I worked with Mortgage lender, XXXX XXXX who worked at Guild Mortgage in XXXX, Colorado. I was assured by the time I had requested the first {$250.00} inspection on the first property that I was pre-approved and just had gather documents, provide XXXX money, etc. I provided XXXX in the amount of {$2000.00} certified funds for both properties we had settled on.
I believed whole-heartedly that I had finally, at age XXXX, been able to become a homowner only to find out from XXXX XXXX XXXX XX/XX/2021 that he had submitted my loan for underwriting and they had declined my application for the following reason : That during the Covid-19 pandemic, I was unemployed for 6 months plus 21 days and that was not acceptable to the lender for some reason.
My complaint surrounds the fact that I was assured I was approved LONG before I spent {$500.00} on property inspections.
Furthermore, it was a pandemic and many people were out of work much longer than 6 months and feel I am being singled out in this manner. There must be some caveat surrounding that 6 month rule pertaining to the pandemic and I request a review of my application and file with Guild Mortgage.
Thank you.
|
| 01/10/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2017 i was asked to repair a water service hooked up on XXXX XXXXXXXX companys utility in XXXX XXXX alaska amd the residence address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX owner by XXXX and XXXX XXXX it was emergency services as I do all XXXX XXXX repairs and in the terriff amd application the XXXX signed when they signed up for water service it stated that XXXX XXXX ownes its main lines only and the homeowner is responsible for maintence and any and all costs to keeping it in repair and working correctly keeping in mind its 3 days before XXXX and -30 degrees or colder so Mrs XXXX asked me to repair the service for them and I did they filed a insurance claim with XXXX and they pd the bill in full.
Guild morguage company is who the loan is thru and is the worst company ever they refuse to release the fund Im owed keep giving me the run around they pd one of three payments they pd XXXX dollars in a check made to me and still owe 22+k dollars to me at first it was we have to get an inspection. Now over a yr later they wont even return or call me back the last time I herd from them they said the complaint department would be handeling this to see if any money is owed to me, how can a mortgage company decide if what the insurance company being XXXX pd in full is owed to me or not it has nothing to do with them the homeowner wasnt behind on any Payments so why a yr later are they not paying me the last two payments Im about to loose our house and my XXXX yr old grandfsther is about to be out in the cold over 22k dollars my name is XXXX XXXX my number isXXXX and my email is XXXX please contact me any time thank you
|
| 09/10/2020 |
Yes |
|
- Trouble during payment process
|
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Web |
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|
FHA LOAN BEWARE! I never received a copy of my appraisal prior to closing on XX/XX/17. The appraisal show 's the value of the property along with the pictures that were taken that might reveal detrimental non-compliant conditions. See attachments of all deficiencies that existed during appraisal, but was noted as it " meets the standards ''. For anyone who has similar issues your appraiser is " required '' to properly observe and properly explain existing conditions during the appraisal. Mine did not do those requirements which in turn in my opinion is an inflated value for not adjusting the value vs repair cost or even property ineligibility. Someone also failed to properly review the appraisal documents as required by HUD. Do your research before ever applying for an FHA loan with a lender. Look at the company 's history and see if any complaints exist or are ongoing as my lender has plenty. A vital error in the process has cost me XXXX XXXX XXXX XXXX XXXX of dollars and more. Do not rely on the trust of others. The crawl space has dirt up to the floor joist which later revealed rotten wood throughout the house. We found that dirt covered plumbing just a few feet from where the picture was taken by the appraiser that was XXXX taped. This is not how a FHA 203B loan is suppose to work. The appraisal is for the " buyer protection '' some said but is actually used for collateral in the event your default or foreclose. If done properly the appraiser and review of the appraisal will protect you, but mine did just the opposite!
|
| 12/15/2022 |
Yes |
|
- Struggling to pay mortgage
|
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Web |
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This complaint is based upon the delay getting Forebearance agreements approved and according to a Lawyer, an Appraisal that was pumped up about $ XXXX above what the house is worth.The buyer bought the home for $ XXXX just 6 months prior to the sale and basically put Lipstick on a Pig. I put all of the improvements into it myself and it still is not worth its appraised value. The retained Lawyer has also stated that Guild Mortgage has violated several Federal Laws ( False Claims Act ) in which they were just fined for in XXXX of XXXX.
The same time period that this loan was closed.
There are also documents that were not filled out by the buyer.
Due to an XXXX that I have known as XXXX XXXX ( contracted XXXX on XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX by the XXXX as XXXX XXXX condition unspecified ), I have not been able to work. This illness has prevented me from paying the ( 3 ) payments currently due now.
Guild Mortgage has given me a deadline of XX/XX/XXXX to pay these ( 3 ) payments and if not met, they will proceed with Foreclosure. My end game at this point is to get these Forebearance forms, which I have submitted, approved as soon as possible. This will give me time to get approved for Disability and Medicare through the Federal Government.
I also expect to have the Loan deficiencies corrected according to the law as soon as possible.
The following documents are attached : Property Condition report Estimated cost to buyer Correction document Appraisal Acknowledgement
|
| 03/24/2018 |
Yes |
|
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Web |
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XX/XX/2016, I went to a specific mortgage company ( Guilds Mortgage-Sparks NV headquarters in XXXX XXXX, CA ) because they were on the Nevada State 's Home buyers Program Home Is Possible website as a Mortgage Credit Certificate " participating lender ''. The loan officer there said she would help me apply, but later was giving me the run around whenever I mentioned the MCC program. Until today still no Mortgage Credit Certificate. Stupidly, I trusted them to know what they were doing. It seems wrong for the lender to " advertise them self as Nevada HIP-qualified lender and know nothing about the first time home buyer programs except get money for down payment and its a quick sell for them. I fully qualified for this program, completed all require training as it was presented to the XXXX XXXX XXXX Senior Advisory Committee by XXXX XXXX XXXX XXXX, Home buyer Programs Supervisor ( XXXX ) XXXX.
Guilds Mortgage should take financial responsibility for their mistake. I lost Mortgage Credit! This is how incompetence lenders should be REWARDED! Taking advantage of the public trust, well just good ole first time home buying working folks NOT MORTGAGE EXPERTS! Now its TAX time and no credit in site. Loan sold within weeks of closing.Guild failed to adequately supervise.
Cc : Attorney General, The Department of Business Oversight ( DBO ), Conference of State Bank Supervisors ( CSBS ) and the American Association of Residential Mortgage Regulators ( AARMR ), XXXX XXXX XXXX XXXX
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| 10/19/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
- Changes in loan terms during the application process
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Web |
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XX/XX/2021, I was working on closing a loan on a purchase with a mortgage company that had me approved to get a grant of {$7500.00} through XXXX.
During the process, my Realtor said it was taking too long and had me switch my loan request to another lender. XXXX XXXX was with XXXX at the time and now works for Guild Mortgage. Her license is XXXXShe assured me that all was good and that she would close me within a week. She said " this is an open and close case and super easy ''. Fast forward a week later and she said my tax transcripts were an issue because I had amended my taxes and that there would not be time to close. She then purchased my house. She said I could rent it for 6 months and she would help me purchase it then. Rent to begin with was XXXX which is what the mortgage payment would have been. She never helped me get the financing, instead she kept increasing my rent and now it is XXXX per month. She also just informed me that I now need to move out because she is selling the house to someone else. As a consumer I trusted a licensed individual to keep their word. I was totally misinformed of this process and she took the opportunity for me to purchase this house away by having the Realtor move my file from the lender that had it approved. My children and I are now going to be on the street. I have since learned this is not the first time XXXX XXXX has done this. The public needs to be made aware of what she is doing to consumers
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| 01/05/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Older American |
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We have been in forbearance 18 months due to Covid. We recovered and had requested a Loan Modification from Guild Mortgage. They sent out the written agreement and we returned it on XX/XX/XXXX. They claimed we did not fill it out correctly and sent another packet on XX/XX/XXXX. We signed that ( notarized as before ) but they their attorney provided a bogus shipping label that even XXXX can not find even though it was shipped through a XXXX carrier. We have contacted Guild dozens of times, but they refuse to resend new paperwork and have stated we will now play a waiting game? Whatever that means. We are concerned that Guild is perpetrating a fraud to undermine our attempts at compliance based on non-participation on our part. XXXX has denied our claim for lost package, so we have copies of the original agreement and are organizing another paperwork submittal we will include copies of the originally sent XX/XX/XXXX that includes the address stickers they affixed to the documents and the notarized signatures on the lost package. We can provide all documentation to the aforementioned and are currently at a stalemate with Guild. Their attorney whom the loan modification paperwork was addressed ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Tx., XXXX XXXX telephone XXXX ) Will not verify if our paperwork was received and claims they can not reply to such questions because we are not their client.
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| 11/09/2022 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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i became unemployed as a result of covid 19 and wqs unable to keep up with my mortgage payments. my mortgage company offered me a forbearance period telling me that with my va loan there was a every reason being 100 % service connected XXXX veteran i would be able to recieve a grant when covid no longer affected my ability to pay.ie i was employed and my hardship was over. i finally am starting a new job at at the first of XX/XX/2022 so i advised my mortgage company of this. they informed this program for us vets in need had exausted their funds and i will have to pay a higher monthly payment as well as at a signifigantly higher intreast rate for the life of my loan. not only does this place my monthly payment out of possibility for me as i have accured other financial difficulties during my 3 bouts with the covid virus as well as delays in my employment with the company that has hired me but will cost me XXXX of XXXX of dollars over the life of my loan. i don't fear much of anything and am way less afarqaid of death than i am loosing my home and will not survive being homeless. what happend to the promise i was given by my mortgage company telling me the federal government would take care of us vets and had a program in place that allowed me to keep my 4.10 % intreast loan and help with the financial hardship i have turn my world upside down? is there anything that can be done.
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| 05/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I purchased a property located at XXXX XXXX XXXX ( XXXX XXXX ), XXXX, HI XXXX with a second-home conventional mortgage loan from Guild Mortgage Company. I put down approximately 15 % on the property as a downpayment in XX/XX/XXXX. I have consistently made on-time payments. After purchasing the property, I made substantial renovations to the condominium and completely renovated the entire property. In XX/XX/XXXX, I sent a letter to Guild Mortgage to request a reappraisal to request the cancellation of the PMI. Guild Mortgage ignored my written requests several times, even though I called them, provided them receipts and photographs of the work done to the property ( before/after ). I then threatened to report them to CFPB if they continued to ignore my requests, they then responded that I needed to pay {$650.00} for a reappraisal of the property based on an appraisal firm of their selection. Now, in XX/XX/XXXX, my LTV ratio is below 80 % of the ORIGINAL value of the propertyeven without a reappraisaland they are again refusing to cancel the PMI and are alleging that the original value of the property was {$280000.00}, and therefore, I am not yet at 80 %. However, {$280000.00} was the original purchase pricenot the original appraised value.
I am requesting that Guild Mortgage comply with XXXX XXXX servicing guidelines for borrower-initiated removal of the mortgage insurance.
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| 07/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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When my ( XXXX ) son died, the XXXX paid out his life insurance to his beneficiary ; me. I took 98 % of that money and bought this home ; the amount that I paid out was the cost of the home. But, I still had to pay : fees etc. so, I took out a small loan. Right after my son died, XXXX started, then I lost my XXXX benefits ( just got that back XX/XX/2023 ) then had to close down my small business. I applied for the Care Act Deferral Program through my mortgage company. That ended in XX/XX/2023. Since XXXX I have tried getting ahold of the person who has my loan file. At the end of XXXX I finally heard from her. They are trying to raise my monthly payment amount claiming taxes went up, but when I spoke to my local tax department, my mortgage company has never paid my taxes. They are over charging on interest and will end up getting x4 the amount at the end of my loan. They are saying that I have to pay all past payments, fees, etc in one lump sum in order to not be foreclosed on, yet under the terms of my federally funded loan, they are not supposed to do that and they are also not to charge any late fees etc if I was apart of the deferral program and I was. When calling their customer service line they are mean and play games like telling me the specific person who holds my file there doesnt work there and never has. I can keep going but I think this is long enough.
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| 02/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Servicemember |
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I was unaware of this regulation at the time, but then again I was trusting that my lender had our best interest at heart as well as knew the laws that govern them, but in reviewing XXXX and the CFPB 's website it has come to my attention that when closing on a home the lender is required to provide you with a closing disclosure form issued at least 3 days before we sign the mortgage documents, at least 3 days before the borrower becomes contractually obligated to the lender so we may compare and ask questions before we go to the closing table. In our situation this was not the case but at the time I trusted my lender and mortgage loan officer, XXXX XXXX was doing right by me and was doing everything by law, I see now that is not the case.
My husband and I did not receive our final closing disclosures until XX/XX/2020 at XXXX. We went to the closing table on XX/XX/2020 at XXXX. Based on our signed Note we became obligated to the lender on XX/XX/2020. We didn't even have a full 24 hours nor did we have a loan officer at our closing table to answer our questions.
This is the second complaint I am writing to the CFPB regarding issues I have had with my mortgage originator and loan officer. This is another example of predatory lending as it is a blatant violation of the laws created to stop predatory lending and is the exact reason the CFPB had to be created.
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| 07/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Date XXXX Your Name : XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : CA Zip Code : XXXX My name is XXXX XXXX and my ss # XXXX and my husband name is XXXX XXXX XXXX and his ss # XXXX.
I am writing to dispute the following information in my and my husband file. late payments to Guild mortgage Account XXXX XXXX for my mortgage payment.I am requesting that this item be deleted. I am buying a car and when they pull my credit it shows I have late payment on my credit, so they are giving us high interest. The only reason the payment was late was because they charged me to insure my payment but I have insurese from a different company. When I called the guild mortgage they took so long to remove it. I have to call so many times almost every week. Due to covid -19 i lost hours from work. My payment was {$370.00}. But they sent me XXXX something. I don't have that much money to pay the payment.i ask them i can just pay the payment only which is {$370.00} but they say i have to pay in full i dont have that much money to pay full. they took so long to remove it. When they remove in back in XXXX I pay full payment.
I have a good credit history with all my other accounts.
I am asking you to remove it from .I sent this letter this matter is resolved within the required 30-day window.
Sincerely XXXX XXXX XXXX and XXXX XXXX
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| 12/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I was working with Guild Mortgage back in XXXX, XXXX to buy my first home. I had already been approved when I was asked by the lender if I wanted to either close before XXXX XXXX or prepay my taxes in order to qualify for the homeowner 's exemption that would reduce my overall taxes. The lender explained that either way, I would get the exemption and most of my pre-paid taxes would be returned to me at the end of the year when the tax bill came out, as I would be essentially double paying with both my prepayment and my escrow fees. The lender even called my mother to encourage her to loan me the money for these upfront tax payments, which she did, telling her the same thing. We closed on the loan and I moved into my first home. Then in XXXX, I got the tax bill with no homeowner 's exemption. When I called the tax assessor, they told me I did n't file the form before the XXXX XXXX deadline, so there was no exemption, and that they had never heard of anyone getting this exemption by pre-paying. When I tried to resolve this issue with Guild, they told me I had " misunderstood '' and that at no time did they ever say I would get the exemption, and that I prepaid in order to get lower taxes. None of that is true. I have essentially paid twice for the same tax bill, and I believe I am due the money back that I borrowed from my mother and paid up front.
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| 05/09/2018 |
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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Application package was submitted on XX/XX/XXXX and was told we would have a 5 % rate I asked on XX/XX/XXXX if we were locked in yet. Our loan officer said our rate was not locked in yet. I asked him what we needed to do to get locked. He stated that we needed to sign the disclosures so we signed them and sent them back immediately ( e-sign ).
Two weeks later the processor emailed me saying the loan officer was " ready to lock in '' our rate. I was very confused by this so I emailed the LO for clarification. He said that he didn't lock in the rate because we'd discussed floating down the rate. I told him that didn't make any sense because a loan has to be locked in order to float down a rate.
A few days later he said we could lock in at 5 % at a XXXX cost. Since we'd discussed on XX/XX/XXXX that I wanted to lock in at 5 %, I told him I was not going to pay any points to get 5 %.
A few days after that, he said he was working on getting the " rate lock fee '' of .5 % reduced. I'm in mortgages and that was the first I'd heard of any such fee. I'm still not sure what he was referring to, but my guess is he was still trying to get around making us pay for a 5 % rate.
I found this to be extremely deceitful and misleading and I think if I wasn't in the mortgage business, I would not have known how untruthful he was being.
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| 08/16/2017 |
Yes |
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Web |
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XX/XX/XXXX, put a contract on a home through Guild Mortgage, property address is in XXXX, sc XXXX XX/XX/XXXX, I did inspection for a streamline XXXX mortgage, total mortgage {$100000.00} XX/XX/XXXX, unknown to me, presidentially declared disaster damaged the home before we closed XX/XX/XXXX, I closed on my home but the lender did not do a post disaster inspection for damages as a result of the storm as required in FHA guidelines XX/XX/XXXX, contractor began streamline XXXX repairs but was unable to finish due to additional damage not included in the mortgage as a result of the storm XX/XX/XXXX, I was unable to even move in the home because the damage was so significant and severe, mildew and mold and flood damage, furniture was moved in and also damaged from mildew XX/XX/XXXX, retained an attorney to work with Guild Mortgage on getting the repairs done XX/XX/XXXX - XX/XX/XXXX, Guild Mortgage tried to put the responsibility for repairs on me. All the while, my attorney was in settlement negotiations with Guild Mortgage. Behind our backs, Guild mortgage applied for foreclosure in XXXX of XX/XX/XXXXXX/XX/XXXX, Guild mortgage had repairs assessed in the amount of {$160000.00}, the mortgage is only for {$100000.00}. Guild offered to take over the deed of the home in exchange for credit repair and a settlement of {$10000.00}.
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| 04/15/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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In XX/XX/XXXX we applied for a loan approval with Guild Mortgage, our Sales Manager was XXXX XXXX. We attempted to have a face to face meeting multiple times with him so we can have a firm understanding of what to expect for mortgage costs etc. The sales manager didn't set up a meeting with us until XX/XX/XXXX and we never received a GFE ( Good Faith Estimate ) before this date. During this meeting I explained to XXXX that my girlfriend was XXXX and these financial numbers didn't make sense for my family and I, and I couldn't afford this loan on my own. My girlfriend and I decided that she shouldn't return to work and focus on raising our soon to be XXXX XXXX. I asked XXXX why he waited this long to have a meeting with me about this and he had no excuse and all he did was apologize. If my family and I knew before hand how much the mortgage was going to be and all other details we would've avoided doing business with the home builder XXXX XXXX. Because of XXXX 's unethical business practices and incapability to handle our transaction responsibly, I have lost {$16000.00} to the builder and they refuse to refund any/all of the financial funds. I attempted reaching out to Guild Mortgage branch manger XXXX XXXX through email to explain to her the situation going on, she was unresponsive. I emailed XXXX XXXX on XX/XX/XXXX.
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| 04/17/2022 |
Yes |
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- Trouble during payment process
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Web |
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Lender acquired insurances at a much higher costs than the original insurance amount I previously paid with them, without consulting me. The estimated amount exceeded what I agree to pay. The lender has included an extra amount into escrow amount without consulting me, which is causing a drastic increase in my Mortgage payments from {$2100.00} to XXXX. Making my payments {$320.00} in difference from the original agreements and by doing this they are deliberately creating a Billing default or wrongfully declaring a default in order to generate fees and penalties or to acquire the property. Guild Mortgage is wrongful failing to honor a loan agreement. The Lender ( Guild Mortgage ) claimed that the increase in the insurance amount was the main cause in the increase of my escrow. Guild Mortgage stated that the new payment amount would take effect beginning XX/XX/2022, and prior to that date I have acquired my own Property insurance and have paid it in full. I have provided that information to Guild on XX/XX/2022, and yet they refuse bring my mortgage payment back into the original payment amount of {$2100.00}. Claiming that they must re analyze the payment amount but yet they consist on making me pay {$2500.00} payment for XX/XX/XXXX, XXXX which I have offset by paying my insurance in full.
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| 05/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Guild Mortgage Company never paid any of my property taxes from Escrow during the duration my loan was active due to an incorrect documented Parcel Number. We've just figured out the issue once we paid off and closed the mortgage account. The delinquent Tax Bill is {$8200.00} from XX/XX/XXXX to XX/XX/XXXX. Plus, in XXXX of XXXX, Guild Mortgage was responsible for the 1st Installment of XXXX Taxes for my property. At that time my loan was still open and my XXXX account was active and Tax payment was supposed to be sent to the county. It wasn't sent apparently. The total amount now due is {$13000.00}, because of Guild 's error, we are in the risk of having another Delinquent and losing our home if the payment is not paid. Talking to Guild agents on phone was a pain, their Customer Service is really slow and un-professional. We are expecting Guild to fix the problem asap, and compensate us accordingly.
Summary for XXXX XXXX Total Amount Now Due : {$13000.00} Select Installment Delinquent Date Amount Due Status XXXX XXXX XXXX ( Secured Bill ) XXXX XXXX XXXXXX/XX/XXXX {$2500.00} Unpaid.
Includes XXXX XXXX {$230.00} XXXXXXXX XXXX XXXXXX/XX/XXXX {$2600.00} Unpaid.
Includes Late Penalty {$240.00} XXXX XXXX XXXXXXXX ( Secured Redemption Bill ) XXXX XXXX XXXXXX/XX/XXXX {$8300.00} Unpaid.
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| 09/14/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
- Confusing or misleading advertising or marketing
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Web |
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I called Guild Mortgage on XX/XX/XXXX at XXXX to inquire about a pre-approval. I specifically told XXXX XXXX on the phone, after asking many questions that I was not ready to have an application processed for a loan as I was just starting to ask around. He told me that it would be a soft pull and so I gave him all my information he asked to do so.. not even 5 minutes later, I had a hard inquiry hit my credit score. XXXX XXXX went ahead and took it upon himself to run a hard pull on my credit and submit my application when I did not authorize him to do so. I want this removed from my credit score as I will not be using this company after they took it upon themselves to do this against my wishes. What do I need to do to get this removed. When he called me back I told him it hit my credit score and that he was only to do a soft pull and he said he was sorry but in order to get me loan options he had to run it but congrats you've been preapproved. Um NO! I've talked to several lenders and what he did was not right. They can do a soft pull and give me ideas of loans I qualify for and for how much. I do not trust this company and I would not either if I were you. What else is this guy going to be using my information for? I don't feel safe knowing he has all my personal information.
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| 06/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My home is located in XXXX Tx, where two counties charge me taxes which equal to {$4800.00} for BOTH counties which are XXXX and XXXX counties. XXXX county sends out a bill that includes both counties on it. Guild mortgage believes for whatever reason that XXXX County is XXXX in taxes and XXXX County is XXXX. I've explained and submitted paperwork for over a month ago showing a breakdown since the house was built of how much taxes are. Guild Mortgage has increased my mortgage payment first from XXXX to XXXX and now they have raised it to XXXX ( all in one the span of a year since I just purchased my home in 2018 ) because they think that my taxes went up to XXXX. I've explained many times, shown proof that homes in this area ( streets ) are not XXXX. They want more paperwork when they should be the ones verifying how the taxes are broken down for this home. None of the neighbors that I've spoken to have had this issue with any of their mortgage companies and they too pay two different counties and get billed the same way. I've called at least ten times and spoken to many people, some who understand the issues and they refuse to transfer me to the tax department and just tell me to email them but I don't get a response other than an automated one.
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| 04/23/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I have a mortgage account with Guild Mortgage and have for several years. I do almost all my account servicing through the company 's online account portal. Last XXXX, XXXX, my online account access ceased to recognize me. This happened once before for less than a month before the online access was restored. I have easily spent over 40 hours of my time trying to get this resolved. I have called and written to customer service, escalations, the local office and the customer service point person XXXX XXXX, stopped responding to the status of the resolution XX/XX/XXXX. He did tell me quite a long time ago that this issue is a 'known problem '' with a few accounts. For the first six months I had no account info at all as I opted for paperless setting. I do receive mail statements but I must have full, reliable, 24 hour on line access to my mortgage account. I have reported this the the area XXXX last month and they have not received a response from the company. I do not know what else to do. The staff at Guild are always professional and courteous but my serious problem does not get fixed. I am hoping that by escalating the complaint to 3rd party enforcement agencies, that I will finally get back my full on line account access for my mortgage.
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| 05/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XXXX XXXX , XXXX , Guild Mortgage Company was the lender for my loan. At closing the sellers where charged {$1700.00} for Colorado property taxes for the year XXXX . The sellers by mistake received a notice to pay XXXX taxes, did so. 3 Months late r Guild Mortgage sold my loan to XXXX Bank. The amount in my Escrow with Guild was {$1000.00} what XXXX bank received was {$710.00}. I have letters from Guild Mortgage and XXXX stating that taxes were paid by a unknown source. I have requested from Guild for the amount of {$1700.00} to be transferred to my escrow or account that dollar amount. In the mean time the sellers have taken me to small claims for the amount of {$1800.00} for damages and there taxes to be returned, Which now I have to pay the plaintiffs. I have request Guild Mortgage Company on many occasions to show proof of where they have used my escrow monies and still they ca n't answer me. On XXXX XXXX with the help of a XXXX XXXX on a XXXX way call they still were unable to account to XXXX why my Escrow was short at the time they sold it to them. I want them to return the monies that I was charged at the time I purchased my home and I want the sellers to receive the monies due them,
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| 01/09/2019 |
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 condo in XXXX, GA in XX/XX/2017, mortgage processed by XXXX XXXX XXXX but sold immediately to Guild Mortgage Co who is also serving the loan and handling the escrow account.
My monthly escrow payment amount has been approx {$210.00} to {$220.00} for the last 24 months. I just received a notification that my escrow will now be {$760.00}!!!
My taxes went up by {$2400.00} in one year, so I have a negative escrow balance of {$1700.00} which I offered to pay in full but have been advised by Guild that I can not do so. Also, they NOW are requiring I deposit an additional {$2000.00} into the account. This feels like extortion!
My payments were {$1200.00} and now will be {$1700.00}. I can NOT afford this and as a result could lose my home!! AND If I do qualify to refinance my loan to a new mortgage company I will end up paying in excess of {$3000.00} in processing fees!!
FURTHER, my home was appraised at $ XXXX and I put down enough to get the loan balance under 80 % of the appraised value, but because I purchased my home at $ XXXX Guild refused to waive PMI at the cost to me of over {$46.00} per month.
This seem criminal to me and I can NOT be alone with this problem. XXXX PLEASE INVESTIGATE.
XXXX XXXX
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| 11/25/2018 |
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 |
Older American |
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I have a late reported on my credit report. This is for a property I own that was in escrow. Had the escrow closed as planned, there would have been no late issue. What happened is that the buyer, literally at the last moment, at the closing, decided to back out of the transaction. I had taken the property off of auto-pay knowing that the mortgage balance would be paid in full when escrow closed. In the days that followed, as I was trying to find out why the buyer had backed out, I forget to put the mortgage back into auto pay mode. I was surprised when I received the late notice and called the bank. I spoke with their customer service department. I told them I was surprised by the late payment. They looked at the file and said 'this was in escrow, correct? ' It dawned on me then what had happened and when I asked for some consideration, noting that I had never been late before, the customer service person was very dismissive of my request saying something like " no, you were late and that's just the way it goes. '' Yes, it was in fact late, but given the circumstances, which the bank knew about, I do think they could have exercised some discretion rather than damaging my credit score.
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| 04/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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Web |
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XXXX, I found a home and wanted a home loan. Knowing I had excellent credit I came to find out my mortgage company and non payment on the XXXX loan of the mortgage for XX/XX/XXXX and XX/XX/XXXX. I called Guild Mortgage to see what was going on. It was a mistake on their behalf. I waited for FICO correction letters and they were not sent. I called again, was promised they would fix and send. I never got copies. In XX/XX/XXXX I found some few homes. So, I went to get a pre-approval again and was denied, again, for the same thing, but for XX/XX/XXXX. I called Guild it was a mistake they would fix it. I ended up trying to work with one of their loan person since they knew my obstacles and they knew it was a company mistake.
They tried by sending me loan papers to sign without explain anything. They said I had to sign papers in order to get things started. It is not the first property I buy, so I know papers are never sign before starting anything. Here I am in XX/XX/XXXX still getting calls every month about me missing payments and every months it 's a mistake on their part and they will fix my FICO by sending a correction letters, which I have not seen, except for one.
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| 04/14/2021 |
No |
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American, Servicemember |
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I contacted Guiid and was told they wont give me any information. On my credit report dated XX/XX/XXXX it shows Guild listed 2 times one loan opened XXXX ( per paper work the loan on the XXXX ) In XXXX. Says XX/XX/XXXX to XX/XX/XXXX loan amount XXXX. Next line on the credit report has Guild listed again Open day XX/XX/XXXX. to XX/XX/XXXX with the laon XXXX amount of XXXX. How do 2 loans with 2 amounts cross months clearing states open XX/XX/XXXX closed XX/XX/XXXX there is XXXX XXXX and XXXX that cross themselves and then the loan goes up Please explain. lsp om the XXXX Guild had the loan XXXX XXXX and XXXX of XXXX, on the XXXX its shows Mortgage insurance of XXXX, But XXXX had the Mortgage for 9 months and theirs say Mortgage insurance on the XXXX XXXX please explain and tell me what insurance co you gave this to.. Oh yes i have another copy saying loan closed XX/XX/XXXX and another saying closed XX/XX/XXXX These are the yearly Analysis. When the refinance was done how did my home loan get so high when the land is worth 10 years later maybe XXXXCause you have 2 loan amounts and i don't have paper work on a 2nd refinance with you in a 6 month time frame explain this
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| 03/22/2022 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I have made many attempts to make payments to my mortgage company. However, there is such a long hold time during business hours that I can not stay on hold while at work. I risk losing my job. When I am finally able to get ahold of the company to take my payment, they REFUSE to take it. They tell me I have to pay with certified funds the full amount to be current. I have the full amount, but can not pay them in certified funds via XXXX XXXX as they demand because Guild Mortgage only allows for payments up to XXXX via XXXX XXXX. I'm also unable to access cash. I offered to do an ACH, wire transfer, or even electronic check. They refused all funds except cash, which is impossible. Since when can a mortgage company refuse payment? I've never had a payment returned. They won't allow you to make payments online after hours if you're even one day late. They remove your ability to do so. This lender knows that the value of my house surpasses the mortgage by 200 % so I believe they're trying to force me into foreclosure. These predatory practices after covid are far more prevalent than people think they are. Guild Mortgage refuses to take payments in full from borrowers.
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| 03/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Guild Mortgage is not helping with forbearance during covid repeated troubles with them. They refuse to be transparent in process. I wanted forbearance under CARES ACT. On their website it asks for written documents to prove need for forebearance. I was told we only need ATTEST of financial hardship under CARES act. So i never applied in beginning as of their lying website Almost impossible to reach loan servicer. Hours of waiting on hold which i think they do on purpose. Then phone hangs up many times and give up exhausted. Finally reached loan servicer who was snotty and said she can not promise if payments would be put to back of loan as I begged for and she said i may need to pay lump sum at end of forebearance which terrified me. So, frightened as to WHAT my future mortgage would BE i refused forebearance. Did not take forbearance for months as their web site has videos declaring need documents proof of exact hardship. Afraid they will foreclose. I want to put 3 months payment to end of mortgage they refuse and act very rude and make wait hold for hours. Contacting attorney general now. I can not trust Guild mortgage and heard they do this to many
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| 04/09/2019 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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There have been numerous problems with Guild. First, I called about insurance money about a year and a half ago that was supposed used to fix my house from hail damage. At that time I was told there was no money left. However, the current issue with Guild messing up my escrow account by over XXXX. An employee recently found the money ( hail damage ) and sent me a check after nearly four years. However, that employee called me soon after asking for the insurance money back so he could apply it their mistake with the escrow account. That employee was recently fired. As a result of their own mistakes Guild is trying to jack up my house payment almost an additional XXXX per month. I called my insurance company and they told me the bill for my insurance can be paid monthly or in lump sums as it went up XXXX per month. My property taxes were raised by by XXXX per month so the total payment should have been a total of XXXX. Furthermore, I made a house payment at the end of XXXX and recently found that money XXXX was sent back to my checking account and Guild is now charging me late fees and is impacting my credit score significantly.
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| 03/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I let this company know before I changed home owner insurance what the name of the new company was back in XX/XX/2020. I notified them by telephone, sent them 2 emails, 2 faxes, followed up with multiple phone calls. I was assured that they had mailed my payment. I called them back because I was notified that my payment had not been received at the new homeowner insurance company. Now again 3 weeks later I receive notice that my home owner insurance has now been cancelled. I am now sitting in a house with no homeowner insurance. Every time I call the mortgage company I am told I have no way to speak to the insurance department because they have no phone line. That is unacceptable. I am also told I can not speak to a manager. I now have increased car insurance, increased umbrella insurance cost all because they did not pay my insurance. I will no longer pay on my mortgage or give them their escrow back until they figure out with my insurance company how to pay my claim or transfer me to another mortgage company. I see now why my original lender changed to a different company and I want to change to her company at their cost.
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| 10/17/2017 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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my name is XXXX XXXX. I am in desperate Need of emergency assistance. My friend of 18 years XXXX XXXX XXXX is and continues to be abused, punished, tortured, manipulated -- and illegally slowly forced to XXXX I am a XXXX -- currently unable to pay for renewal -- my friend XXXX is an XXXX -- who is a XXXX veteran a XXXX man with 20 years -- and a former postal XXXX of 20 years is being forced to die. I physically went to elder abuse and social services -- to report that his son XXXX XXXX XXXX and his daughter XXXX XXXX XXXX with her boyfriend XXXX XXXX are forcing extreme abuse. They have committed fraud through his home through XXXX and XXXX XXXX -- WHO ARE CONTINUING TO ABUSE ME THROUGH A PROPERTY I OWN IN XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX -- this is severe fraud that property through my XXXX XXXX XXXX XXXX and XXXX my sister and theft and fraud please help me and XXXX I am at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX being forced to die illegally also through utility and gas control -- the police and courts are involved in the fraud please help severe theft throught phones, mail banking etc,
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| 05/21/2020 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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Ive attempted to contact on numerous occasions Guild mortgage in regards to XXXX loan through XXXX XXXX renovation loan officer her manager and the third party company ( XXXX XXXX ) rep. XXXX XXXX whose to oversee the rehabilitation but to no avail the sale was closed without a walk through previous tenants still onsite refusing me access to property I purchased in XX/XX/2020, Sale agreement ( contract ) stated property was to be delivered tenant free thats the major and first problem. Secondly, XXXX loan has stipulation in regards to work for rehabilitation should be started within 30days of purchase and completed within 6 months. Til date work has not been commenced because tenants refuse to leave. Ive been trying to get help from Guild mortgage since XXXX but they are not providing me with any answer. I leave messages with callback information and no one calls back. In XXXX I started reaching out to third party company XXXX XXXX for assistances Ive been told they will escalate to Guild Mortgage. Im still waiting. The frustration about this is Ive been paying mortgage on time since XXXX.
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| 07/21/2022 |
Yes |
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- Trouble during payment process
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Web |
Older American, Servicemember |
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XXXX to present. Guild Mortgage has issues with releasing held insurance funds so we can rebuild our home after a disaster we have supplied ALL receipts for all costs, taxes, permit fees, school taxes and to date repair costs In 2020 my home completely burned down in the XXXX XXXX. I have never missed a mortgage payment and my credit score is an XXXX, We owe {$320000.00} on my note and property value is {$780000.00} according to XXXX.
my insurance company has sent {$610000.00} to my lender of which my lender has released only {$220000.00} leaving {$380000.00} in the repair account.
Now we have spent {$290000.00} that includes {$61000.00} of our own money and guild will NOT release any more of OUR money which i need to continue my rebuild.
now guild has some convoluted formula for releases but the point is they are holding {$63000.00} more than is needed to pay off the note which is va guaranteed.
We have submitted ALL BILLS to guild to show that we are acting in good faith that with our payment history and credit score they need to release money so we can continue to rebuild.
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| 10/19/2015 |
Yes |
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- Settlement process and costs
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Web |
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I am concerned and would like to bring this to light. I applied for a home loan with Guild Mortgage, XXXX XXXX branch. The Loan Officer was XXXX XXXX, who is also the branch Manager. What concerns me is I never met with him. I met with his assistants, XXXX and XXXX. They reviewed my documents, went over a loan scenario with me, quoted me interest rates, my payment, down payment, etc. I asked when I would be meeting with XXXX since his name was on all of the douments I was signing, and was told he was not available but they were his assistants and they could help me. I asked XXXX why her name wasnt on the forms she said she was not a licensed loan officer and XXXX was the licensed loan officer of record. I asked if XXXX was licensed since she was the person explaining all the forms I was signing. She also said she was not and didnt need to be. That made me feel very uncomfortable. I had XXXX unlicensaed people explaining all the legalities of my loan to me, yet the actual licenseed " professional '' was no where to be found. I would like to know if this is normal practice?
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| 08/19/2020 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Hello, In 2017 I purchased a house using a FHA loan. Upon moving into the house we discovered many issues that were wrong with the house. After further investigation and inquiries on what I could do I found that the house failed to meet the MPS on HUD 4150. Example is the 18 between the floor joist and ground level. Per the appraisal the house had adequate spacing but that was false. The picture of the crawl space in the appraisal clearly showed dirt up to the hoist. This discovery along with others including a septic system that was not functioning properly, duct taped plumbing that resulted in vile smells in the house and foundation issues including discovering that parts of the house were being supported by rocks and dirt. Guild Mortgage company approved the appraisal and it resulted in financial and emotional issues with the house. The cost of the repairs and services done to the property within the three years has totaled to {$20000.00} and counting. The house is continuing to settle and cause damage throughout the house that will require more contractor expenses.
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| 08/14/2023 |
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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This letter Services as a formal complaint that you are reporting inaccurate and incomplete information on my Credit report. The notation of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date, and balance whether reported or not. [ Guild Mortgage - Acct. No. XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payments transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must first verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed Never Late ) according to the consumer protection laws.
15 US Code 1681A, Para.2, Sub.Para A. Sub.Sect.I states that Transactions are not included in the Consumer Report.
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| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so.
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.
If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.
I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
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| 02/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
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I'm self employed and my income was effected in XX/XX/2021. I tried to advise the Servicing Dept at Guild Mortgage that I can't utilize the forbearance plan offered because my refinance wouldn't close. I told them I could get contractually current in XXXX to avoid the late hit on credit. I just needed the one time courtesy for XXXX payment ; no forbearance plan needed. They advised I had to go through a plan even though I set up payments to be current. They advised the payment system is down. I relooked at my score after the late payment because I was going to just let it go but it actually dropped my score so low I couldn't refinance. I am requesting the late hit be removed as I was effected by COVID and brought the account contractually current within 30 days of missing XXXX payment. I found it predatory to make my go into a forbearance plan to get the late removed and therefore losing my opportunity refinance. I've never been late in the past and had exceptional credit over XXXX prior to last month.
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| 04/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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Hello Guild Mortgage Co, Pursuant to the Escrow Analysis dated XX/XX/XXXX, this analysis is severely flawed and is double counting my tax obligation due XX/XX/XXXX. Therefore, Guild has concluded they need to increase my mortgage payment by $ XXXX to make up for this non-existent shortfall.
The analysis shows that my tax obligation was paid 1 month early, in XX/XX/XXXX, and then still assumes it will be paid again in XX/XX/XXXX, resulting in the non-existent shortfall.
This is a glaring error, and I am bewildered that it was not able to be recognized and corrected during my multiple phone calls today, XX/XX/XXXX. This seems like a predatory way to squeeze more funds out of your customers where it is completely unwarranted, based on the irrefutable mathematics involved.
If this is happening to me, it is likely happening to other customers who may not take the initiative to advocate for themselves to correct this error which conveniently lines Guilds pockets with funds they are not entitled to.
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| 10/25/2021 |
No |
|
- Trouble during payment process
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|
Web |
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My house was damaged from the Texas Freeze and a claim was filed with XXXX back in XXXX. A check for rebuild was mailed to Guild Mortgage to be signed so that money could be released to begin the rebuild. Guild Mortgage disputed the percentage of work completed to date and would not release additional funds. The case was sent to XXXX XXXX ( VP of XXXX ). XXXX contacted me and said that there was a misunderstanding by her people and that she would get with them to make sure they understood how money should be released. She also spoke with the owner of XXXX XXXX and he sent her the draw schedule via email and cc 'd me on the email communication. XXXX XXXX ( VP of XXXX ) has not replied to the draw schedule email nor have we been successful in reaching anyone by phone or email. I have been paying for a house that I am unable to live in for eight months. They have yet to move forward with the rebuild since not receiving a response from Guild Mortgage. We are just going around in circles.
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| 07/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
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|
Web |
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A mortgage person at Guild Mortgage advised us that our credit was perfect, our income was perfect, all we had to do was sell our home and we 'd be set to purchase the new home. The new home was a converted school house zoned " Rural Residential ''. We 've sold our home in XXXX, was advised we 'd close in XXXX, however after we were coerced into paying {$3200.00} for a " commercial ' appraisal, which shows the value to be above asking, we were advised that underwriting did n't accept our collateral. No reasons why, no further communication, nothing. I 've called their corporate office, spoke with senior managers etc. My wife and I have been paying {$4800.00} per month to live in a hotel since XXXX XXXX, 2015. We 've received XXXX customer service from Guild. We want to be reimbursed for the {$3200.00} appraisal, and {$4800.00} x the two months we 've been living in the hotel, under the guise that everything was okay and were going to be able to purchase the property.
|
| 03/09/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
The nature of the compliant and/or Problem : XXXX XXXX of Guild Mortgage conducted a bait and switched on the client : XXXX XXXX for financial gain. As per Ms. XXXX, she was informed by Ms. XXXX that she was Pre-Approved for a FHA loan for her condo purchase. The client had $ XXXX for down payment, yet she was stirred into a Hard Money short term investor loan. The clients understanding at that time about this tactic and hard money loans was nonexistent. If the client was provided all of her viable options at that time, this situation could of have been avoided.
The supporting documentation is for visual illustration and review. The client is seeking action against all parties listed. The client has a scheduled foreclosure sales date of XX/XX/XXXX. The client would like to see the foreclosure postponed, delayed and investigated. The client would like to conference with you regarding this matter if required.
Application date : XX/XX/XXXX Mortgage Amount : $ XXXX
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| 07/08/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX, Loan Officer NMLS XXXX, from Guild Mortgage ran a credit inquiry pull on my credit without first asking for my permission. I did grant him permission to perform a credit pull back on XX/XX/2021 for a pre-approval which expired 90 days afterwards. I did speak with XXXX 's branch manager, XXXX XXXX on XX/XX/2021 whom basically told me well they " assumed '' and just pulled my credit since the home my wife and myself are still contemplating on closing on would be XX/XX/2021. This home is a new build, but we are still considering and entertaining other options for a home purchase, along with other options for financing. I asked both XXXX and XXXX to reverse the credit inquiry and was told that isn't going to happen and to void and shred any documents they received as I won't be conducting business with them.
Ultimately, I want them held accountable and forced to remove the unauthorized inquiry for all 3 of my credit reports with XXXX XXXX, and XXXX.
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| 04/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Older American |
|
I submitted a refinance application with Guild Mortgage who holds my current mortgage to lower my interest rate on XX/XX/XXXX. They made multiple errors in calculating my XXXX which I went over with the loan officer, XXXX XXXX, on XXXX. He agreed there were multiple errors and my XXXX was actually very low. I called him on or around XX/XX/XXXX because I has still not heard back and he told me I now had to submit XXXX tax return because we had gone into the new year even though it was too early in the year to have that return done. I complained to their corporate dept on or around XX/XX/XXXX. They officially rejected the loan XX/XX/XXXX based on these errors. I again complained about their decision as soon as I received their determination XX/XX/XXXX. I followed up multiple times with Guild, including communication with XXXX XXXX. I still have not been able to go over the loan errors with anyone and have them reverse their decision.
|
| 06/14/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I recently applied for a mortgage on a new build, and the lender that the builder asked me to go threw was Guild Mortgage XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , CA XXXX ( XXXX ) XXXX the broker that I dealt with was XXXX XXXX Loan Officer XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX M : XXXX | F : XXXX NMLS # XXXX | Company NMLS # XXXX . Before filling out the app I asked him if he had an employee by the name of XXXX XXXX which he responded yes I told him that she lives XXXX behind me and that I ha d Manny pro blems with her and her husband thats when he assured me that my file would be to his eye 's only, after that a week goes by and she called me to ask me about my file that she was not supposed to have access to. Since that day I am always checking my credit report fearing that she or her husband might do to me and my wife.
|
| 04/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I believe that I have been financially damaged due to a Predatory Mortgage loan. In XXXX of XXXX I was sent to Guild Mortgage by my realtor. Guild Mortgage pre-qualified me for {$200000.00} to purchase a home. On XX/XX/XXXX I purchased a home for $ XXXX@ XXXX % interest. My income at the time was $ XXXX. I also provided them documentation regarding my auto loan payment & other debts. This is my first home purchase. I have very little debt related experience and trusted my realtor and Guild Mortgage.
My current income is now is $ XXXX and I still can not afford to make full payments. They have told me they will foreclose on my loan XX/XX/XXXX if I do not pay {$2200.00}. I am selling everything I have including the lawnmower in order to prevent it.
Guild Mortgage has been aggressive and misleading to me regarding the status of the loan and what possible options available to me throughout this ordeal.
|
| 12/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Guild Mortgage took two payments out of my checking account for my house payment due XX/XX/2018. One payment was taken out XX/XX/2018, and a second payment was taken out XX/XX/2018. Because I had two house payments taken out of my checking account, my account became overdrawn with a negative cash balance. This resulted in 3 overdraft charges of {$35.00} each from my bank for a total of {$100.00} in overdraft fees.
I sent a letter to Guild Mortgage asking for a refund on my second house payment, and at the time two overdraft fees of {$35.00} each. The third overdraft fee came in after I had sent them the letter. They sent me a check in the amount of the house payment, but ignored my request for reimbursement of the overdraft fees.
I believe they should send me a check for {$100.00} to reimburse me for the 3 overdraft fees, since they caused the problem by deducting 2 house payments.
|
| 12/18/2020 |
Yes |
|
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|
Web |
|
|
My mortgage is currently with Guild Mortgage. I was approved for a refi with XXXX XXXX and started the process which would save me {$500.00} per month. I was ready to set a closing date but I have my home in a land trust and needed to remove the home from the land trust in order to close on the refinance. My title company told me i had to have the mortgage company along with myself sign a direction to convey. I sent my request on XX/XX/XXXX. On XX/XX/XXXX I called and emailed and was told it would take 10 business days. On XX/XX/XXXX I sent another request for update with no response. XX/XX/XXXX I called Guild again and was told I had to wait for a response and could not speak with anyone with regards to this. Today I lost my closing and can not hold the interest rate I had. I want to move my loan from them and want them to sign the direction to convey so I can proceed.
|
| 04/14/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
Since XX/XX/2022 I have attempted to obtain a prequalification with Guild Mortgage in XXXX, Nevada through XXXX XXXX. I am looking to buy a property at Nevada XXXX in XXXX XXXX, NV. I have my own lenders, XXXX XXXX and XXXX XXXX but the Builder at XXXX XXXX requires I get pre-qualified with Guild Mortgage but can use my own lender. I talked to XXXX XXXX XXXX time only by phone. I provided the credit information needed and my COE from VA and income, etc and have repeatedly asked for a prequalification so that I can sign to hold the lot XXXX plan XXXX. She has not called back and will not say yes or no regarding the prequalification letter so I can hold the house I want. It will cost me the house. I have attempted to reach out to a branch manager at Guild Mortgage and no one will call me back. I feel discriminated against because of my XXXX service connected disabilty.
|
| 08/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Guild Mortgage has failed to remove my mortgage insurance, despite my mortgage balance dropping below 80 % loan to value.
Guild mortgage consistently under pays my taxes, by amounts less than one dollar.
Guild Mortgage has failed to pay my homeowners insurance, despite it being due on XX/XX/2023. They sent payment on XX/XX/2023, after policys due date. That payment has still not been received as of XX/XX/2023 and I had to pay an additional 2 months premium in order for my insurance not to be cancelled. I have made a total of 9 calls to customer service, starting on XX/XX/2023. That is the date I recieived notice from my insurance company that the payment had not been made. Despite informing guild mortgage on XX/XX/2023 they did not make payment till XX/XX/2023. they did not overnight the payment and it has no tracking. They are grossly incompetent with my escrow.
|
| 07/08/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I applied for a loan with guild mortgage and I believe it is a predatory loan. This loan reaped guild a lot of money while causing me harm in paying 10x the amount to purchase. I believe my loan officer was more concerned with commission and did not explain all my options to me. When I closed on the house I asked if PMI could be removed and was told in 12 months I could remove. When I called in 12 months I was told that PMI was on for the life of the loan based on the loan type I signed. I believe that mortgage companies should be honest and should read the disclosures out at the time of closing. I was mislead in the process and would like to be compensated. I would like to see what underwriting guidelines Guild followed in my process. Based on a suit in 2016 of Guild I am worried that there may have been issues with the underwriting of my loan.
|
| 12/20/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I was approved for Homeowners assistance program ( Haf ) for 18 months fwd pmts. XXXX pmt posted in XXXX with no problem and XXXX with no issue. XXXX XXXX was returned by bank and never resolved. Now I'm showing 1 month behind as each out that has posted since is covering the previous month for the missing XXXX XXXX. This is racking up late fees and hurting my credit. I have never been late on a pmt until haf. While I'm appreciative it's hurting me also. Then per guild mtg. My homeowners insurance tripled from XXXX to XXXX which increases my pmt XXXX per month. Haf covers XXXX I have to try to cover the rest but guild will not apply the haf pmt to my acct as it is seeing it as a partial payment. I've reached out to both haf and guild monthly since XXXX error.
Thank you Haf app # XXXX.
Address : XXXX XXXX XXXX XXXX XXXX fl XXXX
|
| 11/01/2020 |
Yes |
|
|
|
Web |
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|
XXXX XXXX. XXXX XXXX real estate company. Guild mortgage. XX/XX/2018 i closed on my double wide mobile home. i received a fha loan. the mobile home in the real estate mls said it has a permanent foundation. It does not. there are no footers around the mobile home. no bricks or blocks. the piers under the mobile home are not mortared. i have some kind of sheeting around the bottom of the mobile home not 4 inches into the ground its cracking. my mobile makes poping noises. i am concerned about settling cracks and my floors warping due to the water under the home from the rain that flows underneath. i feel i was misrepresented by my mortgage company and my real estate company. the inspector, real estate company and guild mortgage should have seen that there was no permanent foundation done by XXXX XXXX XXXX.
|
| 07/20/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I was in the process of working through a formal repayment with my lender because I had some personal health issues as well as lost my job. The lender agreed to enter into a formal repayment plan with me but continued to go down a parallel path of foreclosure. Now my home is set for foreclosure sale before the formal payment plan has been set in place.
I also have an issue on the amount of the mortgage payment as I have updated appraisal information that has not been applied to the monthly mortgage payment.I would like the mortgage payment to reflect this new amount of the mortgage.
I have not received a itemized sheet detailing the XXXX in attorneys fees that have been added to the overall total in which I would have to pay back so I would like a itemized sheet detailing these charges.
|
| 09/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Private mortgage insurance (PMI)
|
|
Web |
Older American |
|
I make additional Principal Payment every month. My mortgage balance is now below 78 % of the original appraised value which was {$160000.00}. I was told over the phone that PMI must continue until 15 years of the 30 year loan. I tried to explain that I have paid additional money towards Principal, etc. The person I was speaking to was adamant. So I mailed Guild Mortgage a letter dated XX/XX/XXXX ( see attachment ). I also attach Guild Mortgage dated XXXX XXXX XXXX saying I would have to pay {$190.00} to them for an additional Broker 's Price Opinion ( BPO ). I also attach Guild Mortgage " Annual Private Mortgage Insurance Disclosure dated XXXX XXXX XXXX wherein under Automatic Termination of PMI " to reach 78 % of the Original Value '', which it was as of XX/XX/XXXX payment being made.
|
| 04/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Guild Mortgage company has misplaced, rejected and/or refused to credit my mortgage account payments on a timely basis. In addition, they will not respond to my requests for a full accounting of my loan account and escrow account. They do not provide escrow account information with their statements online as promised and required by regulators.
I have asked that they terminate my escrow account and they won't respond. I have attempted to resolve this ongoing accounting discrepancy for over three weeks and Guild will not cooperate. They have " call centers '' and remote workers who keep avoiding any type of return call or replies to inquiries.
Before I file litigation, I am attempting to use the help of regulators to force Guild to provide required customer responses.
Thank you
|
| 03/22/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
Servicemember |
|
My Mortgage company taped a copy of someone else 's mortgage statement with ALL of their account information to my door. They also taped a copy of MY MORTGAGE STATEMENT AND ALL OF MY ACCOUNT INFORMATION TO SOMEONE ELSE 'S DOOR.
Guild Mortgage never had my permission to share my information with ANYONE, let alone a complete stranger. I was never authorized to see the complete stranger 's information that was taped to my door in a plain white envelope that said " confidential '' on it.
This is a clear violation of the fair debt colleciton practices act and I need to know my options for recourse. Along with this issue, they refuse to take my payment via any conventional or normal method, causing me to continue to be late on payments due to their refusal to take any payments.
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| 05/02/2016 |
Yes |
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- Settlement process and costs
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Web |
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I closed my home loan with Guild Mortgage my MLO locked my rate at 4 I was given my final CD with 4 % rate when I pointed out the CD reflected fees fees for a program I did not apply for he corrected the CD but my rate was changed to 4.125 % post acknowledgement period began and after I was locked for over 2 weeks at 4 % and all XXXX previously given 4 % rate.
MLO advised he locked in correctly made mistake and now unable to correct now charging me higher rate than agreed upon. Had to sign new CD with higher rate or lose my home and all cash paid out of pocket {$2800.00} 3 days prior to close due to MLO and lender error. They gave $ XXXX credit on CD to try and make up for the additional {$6800.00} I will now pay in interest pay in interest if I do not refinance in 30 years.
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| 12/13/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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The situation with Guild Mortgage is getting worse. We have given the bank every document they have requested. Since XXXX I have lived in the property and have provided all documents required for a short sale. Nonetheless Guild Mortgage closed my file because they said that I do not live on the property because they have pictures showing so. This is a lie. In fact, I asked for the pictures to dispute them but I only received a couple which did not I indicate that I lived there. Further, I have submitted pictures of the property with my belongings in it. This is absurd they would halt my short sale and force me into foreclosure over a lie. I do reside in the property.
I can't handle this situation anymore, I can't afford the mortgage and I'm living in the house.
Help!
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| 12/05/2018 |
Yes |
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- Trouble during payment process
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Web |
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I sold my home and the closing date was XX/XX/2018. I had an overage in the escrow account. I have not received the refund of the overpayment amount from the escrow account as of this date, XX/XX/XXXX, and as I understand, I should have received the refund no longer than 30 days after closing. The mortgage company, Guild Mortgage has told me that a check has been mailed twice. The first check appears to have been lost ; it never arrived to me. I requested at least 3 times that the amount be sent by expedited mail so it would arrive to me closer to the 30 day cut off time after it was determined that the first check went missing and was not cashed, but they did not honor my request. It has been verified numerous times that the mortgage company has my appropriate address.
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| 02/03/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
|
My mortgage to loan ratio is at 75 % and my lender is refusing to remove PMI from my mortgage. Everything I have read states it has to automatically be removed once the loan reaches 78 %. I received a letter back from them stating my mortgage is at 80 % and qualifies to have PMI removed but I have to get a BPO first and to do that I need to send them a check for {$150.00}. Not only should I not be sending them a check, they should be crediting my account back {$400.00} for the PMI I have paid since my mortgage reached 78 % back in XXXX 2020.
I called in and explained this to them and they still insisted I need to pay for a BPO. Again, everywhere I am reading says the lender is required to remove PMI once the loan reaches 78 % and it is required to be free of charge.
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| 05/26/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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I paid $ XXXX in arrearages and got approved for a loan modification. I received a letter from Guild Mortgage Company stating that my Escrow was short and it was short because out of the monies they received they only put in {$1.00} for my escrows monthly. Even though all of the monies that was requested was paid, Guild Mortgage didn't allocate the correct amount to my escrow account which made me short and my payment increased outside of approved loan modification amount I was approved for.
I need someone to go back into the account and apply the accurate amount of funds to my escrow in order for the insurance and taxes increase to reflect the correct amount of around {$44.00} and not the XXXX and something it is showing that I am short for.
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| 08/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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Purchased a home using Guild Mortgage in XX/XX/XXXX. Payments were scheduled to be around $ XXXX for the payment. All payments have been made on time and correctly. In XX/XX/XXXX, payments to Guild Mortgage increased to $ XXXX for which they were on time as well. In looking at my receipts, they are {$600.00} short on the payments applied. Was informed from speaking with a representative at Guild that no negative reporting is showing to be sent to the credit bureaus. After several months, reduced payments back to around $ XXXX until the property was sold in XXXX. Unable to access the bank account that payments were made from as I have changed banks since.
Examples included show payments being close to the $ XXXX ( Market Fluctuation )
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| 12/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I asked back in XXXX or XXXX for escrow information since my account online was showing one amount and my paper bill was showing another. Payments to neither my Insurance NOR my property taxes had been paid even though Guild stated it was. Customer service could not answer escrow questions completely and was given the run around. I asked when yearly escrow statements were coming out and was not answered. Was ignored when I asked over XXXX
Today, I get my bill in the mail and it has gone up over {$60.00} a month and no escrow statement is available online to me NOR has it been mailed as required by law.
Also in the past i have asked to be told if i can get rid of my escrow account and i have yet to get an answer on that.
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| 02/17/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Problem with fraud alerts or security freezes
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Web |
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Guild Mortgage called me from XXXX today and had my personal information to ask me about a mortgage on a property. I do not now nor have I ever had a mortgage. I asked the representative his name and he gave me a fraudulent name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He also threatened to kill me. We exchanged insults until he hung up. This company has my PERSONAL information and let 's thier employees threaten people who aren't even thier customers. They should be shut down. Who knows what other fraudulent activities they have going on with people 's personal information and threatening to kill me is not a light matter. I tried calling back but it goes to an answering system for the co.pany
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| 02/14/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
We paid our mortgage in full on XX/XX/2019. GA statute 44-14-3, Guild is liable to us for failure to Cancel the security deed within 60 days of full payment. As of XX/XX/2019, Guild mortgage had not provided us with copy of security deed cancellation, so I proceeded to send them a demand letter requesting {$500.00} as provided by the same state law.
Guild mortgage refuses to acknowledge and to execute GA law citing that because Guild sent to the clerk on day 58 of 60, they are in compliance with state law. I keep insisting that the 60 days was all the time Guild have to provided to grantor ( us ) with a cancellation of the debt after full payment of the mortgage.
Your prompt assistance is appreciated!
|
| 07/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
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|
We were brought into Guild and met with the sales manager XXXX to purchase our first home. He seemed nice at first. After the initial consult we were handed off to his assistant team. Things just fell apart. They clearly have NO documented business processes or documentation checklists. It was constant excessive back and fourths. Then when it came time to sign the loan package it was different then what we agreed to. When we brought it up they pulled a bait and switch and said that they needed more time, more money, new terms and an entirely new loan! Worst communication ever, unethical lending practices and made our first experience a horrible one. I would never trust or do business with them again!
|
| 10/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Guild mortgage is reporting our closed account as 120 days late during the forbearance period although we had a contract and were current up to the forbearance being in effect. We were granted forbearance for 6 moths starting XXXX. We did not know the company had reported our account late as XXXX shows it current while the other two show it late. We called guild mortgage to get it corrected and they gave us the run around and refused to correct their obvious error. Guild refuses to remove late payments assessed during XXXX XXXX despite the fact federal mandate says servicers can not assess late payments during forbearance if a borrower was on time prior to the forbearance request.
|
| 05/05/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
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This property was purchased along with a XXXX XXXX XXXX The time for the rehabilitation project lapsed caused by inherited tenants who refused to leave according to contract with seller Covid hit I was finally able to pay tenants to move out plans and permit delay and changes based on zoning not allowing 100 percent residential which according to previous emails between loan XXXX and Escrow property title I found after they knew of XX/XX/2019 XXXX XXXXXXXX XXXX XXXX XXXX XXXX with guild mortgage and every other agent continue to ignore countless emails and calls Guild mortgage has refused to tell me what will happen to unused l XXXX XXXX Ive been paying on since XX/XX/2019 XXXX
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| 12/21/2015 |
Yes |
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- Loan modification,collection,foreclosure
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|
Web |
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Guild Mortgage in XXXX XXXX, CA continued to take FHA MIP payments from us even though the home was never insured by FHA. Apparently FHA never got a termite report so our " loan '' and address was in " application status '' only. Guild should return the MIP payments we made. They have never returned phone calls, even when we had the home and were trying to stop the foreclosure. FHA also returned the {$4400.00} FHA fee to XXXX XXXX in XXXX. They kept that money and the office manager XXXX said they shred all records and keep no evidence to support receipt of the refund check. I have contacted several people at HUD and FHA ; they get promoted to XXXX and do not call back!
|
| 07/08/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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|
We sold our house and the realtor that we used hired a closing company to close the house and pay off the mortgage. It is the mortgage companies job to get the correct pay off amount and issue it to the closing company. The closing company did receive the pay off and fowarded it to Guild. They received the payment and signed for it and then lost or misplaced the payment and are now charging interest on the mortgage because of their neglect to find or post the payment. Guild now wants us to pay the interest out of our escrow account stating they have not received the payment when in fact I have signed documents from their employee that they did receive the payment.
|
| 03/23/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am attempting to work with my mortgage company, Guild Mortgage, to defer my home loan for a few months while COVID affects our entire country. The options given to me by Guild Mortgage were to special forbear my loan, which would cause all the amounts forbeared to be due at the end of the special forbearance. I'm unsure how this is even a option, as if I can not pay my monthly mortgage at the beginning of the month then how am I supposed to come up with a sum total of those amounts at the end of forbearance period? Especially considering the vast impact of COVID, Guild should absolutely be working more with their customers to work through this situtation.
|
| 07/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
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i applied a refinance with Guild mortgage on XX/XX/XXXX with XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX ca XXXX branch 3.5 % plus 1.125 point locked on XX/XX/XXXX and then he increased to 1.875 point when i complained he decreased it to 1.5 point according his email on XX/XX/XXXX he and his assistant XXXX, XXXX keep asking me to submit documents XX/XX/XXXX XXXX, ( 3 times ) XX/XX/XXXX ( 2 times ) XXXX ( 3 times ) XX/XX/XXXX 2 times XXXX andXXXX also i went to their office to scan my trust after all this he email me today to pay some credit because of ratio just discovered now after 2 months and after i paid appraisal actually because of point he need to pay ..
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| 09/20/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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|
My husband and I got approved for a mortgage. The whole process was a disaster. The mortgage company got bought out without us knowing. The mortgage company was late on everything. The sellers got mad and put the house back on the market and because everything was delayed. At the end our mortgage got denied and the sellers refused to give out {$15000.00} deposit back. The realtor was no help told us to deal with it ourselves. We had to do mediation that did not go well. We had to get a lawyer and at the end lost half of our deposit. The whole process was a disaster. The mortgage company defiantly messed up with us and the realtor as well. Please help
|
| 04/15/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Facing Extreme hardship, made difficult to get a job, and difficult to stay in my house in a large scheme of domestic XXXX.
Guild Mortgage have participated in at least 4 ways : 1-processing a XX/XX/XXXX payment about 7 days later, sequenced in a way to cause insufficient payment.
2-Not record some payments in its early calculation of what was due.
3-At the end of XXXX conduct a loan modification at the same time as a scheduled foreclosure sale leading me to exhaust all my possibilities of avoiding foreclosure.
4- Associate my ownership with an unknown second person who is the apparent beneficiary of the collective action of XXXX on me.
|
| 12/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
|
Guild Mortgage reported a 30 day late mortgage to the credit bureau. I scheduled an ACH on XX/XX/2022. on XX/XX/2022 I was expecting my payment to go through and never knew Guild Mortgage for one reason did not process my request until another a loan officer called me to notify me on XX/XX/2022 that I have a late mortgage and my loan was denied even though I paid off whatever I was owing Guild Mortgage. I called Guild Mortgage they argued that they did not see any ACH set up. Guild Mortgage system is unreliable. I have 5 Mortgages including Rent scheduled on an ACH and I have never been late on my Mortgage or bills.
|
| 03/02/2022 |
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 |
Servicemember |
|
In XX/XX/2021 I gave permission to XXXX XXXX mortgage company to run my credit. XX/XX/XXXX a hard credit inquiry was done by XXXX XXXX mortgage company without my knowledge or permission. I called the company to complain and was told that my phone call would be returned. Over the phone I expressed how I did not give them permission to run my credit again.Because of my accusation I assumed they would not return my phone call and have yet to do so. Im currently working hard to fix my credit to buy a home but illegally obtained hard inquiries are hurting my credit and should not be allowed.
Thank you for your time.
|
| 01/18/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
XX/XX/2020 I filed for for COVID Forbearance as I was going through divorce and bankruptcy simultaneously. Originally my home was listed in a trust that I was the grantor of and my ex-wife and I were both trustees. Due to my bankruptcy I had to revoke the trust and revert all property in a trust back to my name. At the end of my forbearance. My mortgage company guild mortgage would only provide impartial agreements and my ex-wife and eyes name preventing me from returning my home. When I pointed out the discrepancy they refused to change the paperwork to my name solely. I am the only borrower on the loan as well.
|
| 06/02/2021 |
Yes |
|
|
|
Web |
Servicemember |
|
Guild Mortgage in XXXX XXXX did not refund the balance of my escrow account within 20 days. Final payout on XX/XX/XXXX. As of XXXX, refund has not been received. I believe that's a violation of RESPA.
12 CFR Part 1024.34 ( b ) Refund of escrow balance ( 1 ) In general. Except as provided in paragraph ( b ) ( 2 ) of this section, within 20 days ( excluding legal public holidays, Saturdays, and Sundays ) of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control.
Has been 24 days as of XX/XX/XXXX.
|
| 03/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Servicemember |
|
I purchased as-is house ( second-home ) on XX/XX/2017 ; Guild Mortgage did not give me a non-disclosure form before the closing stating the landscaping problem and I was never told that there was a drainage problem with the property before the closing. Water enters the home in two difference places that I have seen after a heavy rain. I have written to the Home Owner 's Association because they are responsible for the gutters and landscaping.
After seeking help through the Association which they replaced the gutters when there is a landscaping problem. I have spend money buying drainage pipes and sand and tools.
|
| 07/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/19 I planned on buying a home in AZ. I worked with Guild Mortgage and they pulled my credit to get a conventional loan started. We were not able to continue with the finalization and issue of credit with this loan because we did not end up buying the home.
I am now trying to buy a home and with this hard credit pull for a mortgage on my credit history, It will make our interest rate higher, because of a lower credit score.
Since I did not acquire credit and look forward to now buying a home, it would help us greatly to have this credit pull removed from all 3 bureaus so we can reapply at this time.
|
| 06/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Today, XX/XX/2019, I attempted to make my mortgage payment online as I do every month however the online system would not allow me to do so. I also called hoping to be able to make my payment by phone and their system would not allow me to do so. I am not 30 days or more late on my mortgage. It is the last day of the month and I am trying to make a payment so that I do not get a 30 day late on my credit report. The online mortgage system stated I was not eligible to make an online payment because my account is past due. As of today, it is not past due. Tomorrow it will be if I can not make the payment.
|
| 06/16/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
CEASE AND DESIST XXXX Pursuant to 15 USC 1692c . ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports.
Do not close my account ( s ) without my authorized permission.
Do not seize or attempt to seize anything in my possession.
XXXX out the balance on this account.
Best regards, XXXX : XXXX
|
| 01/05/2023 |
Yes |
|
|
|
Web |
Servicemember |
|
In XXXX of XXXX, we were told approximately 3 days prior to the targeted closing date that we would not be able to get the loan because he had only been at his job for 1 year and 8 months rather than 2 years. This information was known from the beginning of the loan application. We lost our earnest money, appraisal fee, inspection fees, etc. We had already hired movers and had to pay for extended storage. We were left homeless for around 4 months. The lender was also trying to use income for a rental property that was in the process of being sold.
The company was Guild Mortgage in XXXX, Florida.
|
| 12/18/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My name is XXXX XXXX. I applied for a home loan with XXXX XXXX ( XXXX ) Senior Loan Officer Sales Manager XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX O : XXXX XXXX # XXXX | XXXX XXXX XXXX XXXX. She told me that we had underwriting approval so i put {$4000.00} into the contract to close on a house. come to find out we didn't have approval and she wrote an approval letter for my realtor. She also ran my credit 2 times without approval. She told us that we had approval for {$530000.00} turns out I could only get {$410000.00}. so how did an approval letter of {$430000.00} go out?????
|
| 05/12/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I applied for the Forbearence due to covid 19. According to that I did not need to make a payment within three months. I have been making partial payments and they are putting it in a holding account until an entire payment is there and then apply it. At least thats what they said. I have the paperwork showing that I was approved. I have emails showing I was approved. Today, I got a threatening for closure letter. I dont know what is going on with his mortgage company but they are being absolutely horrible during this entire thing. They were great until this now not so much.
|
| 02/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I purchased a new home XXXX 2014 directly from the builder, XXXX XXXX, but I just discovered multiple hard credit inquiries on all XXXX of my credit reports and it has hurt my score. I never authorized multiple hard credit inquires on my credit. My mortgage is through XXXX. I only filled out XXXX application in XXXX 2014 giving XXXX permission to pull my credit once. I never gave anyone else permission to pull my credit.
XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX, 2014 XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX, 2014 XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX, 2014
|
| 04/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Guild Mortgage is not offering a good forbearance option for COVID-19 relief. I asked time and time again to set my XXXX, XXXX & XXXX payments to the end of the month. But they insist on I pay a lump sum, or a immediate payment plan after forbearance. The other applicant in my loan has lost his job, and I have my hours reduced. How can we pay the additional payments at the end of forbearance if we cant pay our full amount now?!
I specially asked Guild Mortgage to do this, and they completely ignored my request and placed me on a forbearance plan without my consent.
|
| 12/12/2018 |
Yes |
|
|
|
Web |
Older American, Servicemember |
|
My father died XX/XX/2018 There was a check issued from his escrow account on XX/XX/2018 for XXXX to XXXX personal loans the account was not paid my dad died XX/XX/2018 XXXX terminated his account as of XX/XX/2018 which a copy of the termination was sent to guild mortgage they refused to refund the money to my mom I just don't understand how they can pay a terminated account with a voided check I sent the documentation XX/XX/2018 They replied XX/XX/2018 saying they would disburse the funds because there was no documentation to prove otherwise.
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
in accordance with the Fair credit reporting act the creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) Is also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card or loan account under an open end consumer credit plan as a late payment.
I have dispute this inaccuracy since XXXX. Please remove negative remarks from all credit bureaus.
|
| 10/13/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
To whom this may concern .guild mortgage company has been sending me threatening me just start making me pay my monthly payments. I am involved in the Cove in 19 caract for forbearance. I have evidence that shows that I have documents that prove that Guild mortgage has allowed me to be involved in the forbearance program. I want this lettuce to be stop sending to me from Guild mortgage. Do you start emants that I have proof that the situation is existing and going on. Am I want is threatening letters to be stopped immediately.
|
| 10/06/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Guild Mortgage reported late payments on my consumer reports XX/XX/22 and XX/XX/22. They know good and well there's no such thing as late payments according to federal law, so they are violating my rights as a consumer. Delete these alleged late payments immediately-you have 7 days to do so, or I will be taking legal action. This is according to 15 USC 1666b-timing of Payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 04/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Tuesday XXXX2020 I asked my wife to contact Guild mortgage company about any relief programs we can take advantage of. My pay is commission based and with business and people on a stay at home i'm affected. We were told we can do a forbearance and at the end of 90 days we have to make a balloon payment. What good that does I have no idea. My car payments are just going to be pushed to the end of my loans. Now that is a great help.
Guild Mortgage Co.
Loan Servicing Help Center XXXX XXXX XXXX XXXX - XXXX XXXX PT
|
| 10/25/2019 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I tried to refinance my home through Guild Mortgage. I was guaranteed approval, and was told we could close on a certain date. I have spent my own time and money finding information out about appraisal 's, engineering reports, and many more things, because GUILD refused to do anything. When I spoke with the branch manager, he said he would do everything in his power, and later that day after providing him with the requested documentation, he said he no longer wanted to deal with us and is denying our application.
|
| 08/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I just found out that my home insurance cancelled for non payment back in XXXX and I had been uninsured for over 70 days. I have since reinstated insurance but it was through a new vendor as I had lapsed over 30 days. My payment is now more expensive and I will have a mark against me for a lapse for at least 3 years. I was never alerted of this issue, nor did guild mortgage take the necessary steps to resolve. Instead I received a letter stating I had no insurance and they would purchase some at my expense.
|
| 12/21/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Older American, Servicemember |
|
I have a dept of {$1000.00} own my credit report was unauthorized by me and I had no knowledge of. I filed a deed and Leau in 2017. The original loan was with XXXX XXXX XXXX. I was sold to Guild Mortgage Company.
Guild Mortgage Company Attn : Customer Service Department XXXX. XXXX XXXX XXXX XXXX, CA XXXX. I contact XXXX, NJ a service mortgage company in NJ that will not own up to putting own my credit report. I was never contacted by mail or anything. This is a unauthorized impact own my credit score.
|
| 11/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had always paid my mortgage online every month with a mortgage company and they always show that they receive my payment. However, one time this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.
|
| 11/22/2023 |
Yes |
- Credit reporting 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 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 state a consumer reporting agency canot furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
The late payment of {$1400.00}
|
| 12/14/2015 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
I WAS CHARGED TWICE FOR AN APPRAISAL THAT WAS ONLY DONE ONCE. MY MORTGAGE COMPANY WAS AWARE FOR THE CHARGES AND I WAS TOLD I'D GET MY MONEY BACK. I HAVE YET TO RECEIVE MY REFUND FOR $XXXX WHICH WAS FOR THE SECOND APPRAISIL CHARGE. NO ONE ANSWERS MY EMAILS OR PHONE CALLS. I HAVE ALL CONVERSATIONS WITH MY MORTGAGE BROKER SAVED IN MY EMAIL WITH HIM ACKNOWLEDGING THE FACT THAT I AM ENTITLED TO A REFUND. GUILD MORTGAGE IS THE COMPANY AND XXXX IS THE BROKER
|
| 12/02/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
We are behind on our mortgage payments. Our application is in Loss Mitigation awaiting my hardship letter which I sent last week. I called to pay XXXX $ this morning and Guild would not take it.
I would like a letter stating why I wasnt allowed to make a partial payment. We are trying to do everything we can to keep our house and not being able to pay was not what we expected from your company who states they try to keep people in their homes.
|
| 02/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I paid my mortgage below 78 % as of XX/XX/2019. It is my understanding that once below 78 % PMI should be removed automatically by the servicer. After my XX/XX/2019 payment still had PMI I called Guild Mortgage to ask why it had not been taken off. The representative said it is supposed to automatically be taken off, however, I need to request it be taken off in writing and it will take an additional 2 months after my request.
|
| 11/22/2023 |
Yes |
- Credit reporting 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 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
|
| 10/20/2023 |
Yes |
- Credit reporting 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 Act this creditor has violated my right under XXXX XXXX XXXX sec XXXX that states I have the right to privacy, also under XXXX XXXX XXXX section XXXX a consumer reporting agency XXXX not furnish my account without my written instructions. Under XXXX XXXX XXXX ( A ) a creditor XXXX not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.
|
| 11/08/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
We have received several delinquent notices from XXXX County Taxes. This was supposed to be paid out of our Escrow account. We can not make our mortgage payment because of these tax bills and unable to make mortgage payment because of a decrease in employment, Health care premiums and costs. I would like Guild to pay the XXXX County Taxes and I would like a modification on our home as outlines in FHA insurance rules.
|
| 01/26/2018 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
We opened escrow on our house on XX/XX/XXXX, 8 days in and Guild has not ordered an appraisal. 2 days ago we asked them to transfer our file to another lender who was giving us a way better interest rate and no junk fees. Still by end of business today they have not ordered an appraisal and/or transferred our file so our new lender can order the appraisal. They have wasted over half of our 17 day contingency window.
|
| 03/08/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I had a mortgage through Guild from a purchase in XX/XX/XXXX and sold the home in XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX XXXX to let me know that they have money owed to me from the sale of my home ( {$570.00} ) due to remaining funds from my escrow account. It has now been 7 weeks and they have not yet sent my check. It is unacceptable that they 've had these funds for nearly 3 years.
|
| 08/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have been looking for a mortgage for quite some time and saw this advertisement saying I could get $XXXX in free XXXX XXXX money from this lender and get another $XXXX in closing credits free by going to this lender. I spoke to my regular bank and they said this was deceptive advertising. I do NOT want to work with anyone that would be doing anything illegal so I'm not sure how to proceed.
|
| 03/04/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
XXXX an EFT for {$3800.00} XXXX XXXX XXXX {$2000.00} MTC # XXXX XXXX XXXX XXXX {$900.00} MTC # XXXX XXXX XXXX XXXX {$650.00} MTC # XXXX Total payments {$7300.00} this would have taken care of 3 1/2 payments however they chose to not take the payments out of our account and have rejected the XXXX XXXX payments.
Now my mortgage is showing 5 months past due and its in pre foreclosure
|
| 07/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I was shocked when I viewed my credit report and found late payments below..
Creditor : Guild Mortgage Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX, XXXX, XXXX and XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
|
| 09/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I took out a mortgage with Guild mortgage in XX/XX/XXXX. I paid my mortgage down to XXXX XXXX on XX/XX/XXXX. Guild mortgage is still charging me PMI of {$150.00} per month. I have advised them of their mistake but they refused to refund the {$5700.00} they erroneously took from me. Ive recently become aware that this is a violation of the federal homeowners protection act.
|
| 05/02/2021 |
No |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Me and my wife had to file bankruptsy and upon discharge we made every payment and paid the required fee over {$3500.00} to reinstate the right to catch up and resume payments upon discharge of Chapter XXXX. But Guild Mortgage states we are 116 days behind, therefore breached the federal bankruptsy protection laws. We done everything we were instructed to do as consumers.
|
| 03/14/2017 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
The complaint is against XXXX XXXX of Guild Mortgage in XXXX, NV. Her XX/XX/XXXX number is XXXX. She is advertising on XXXX that she will give consumers who apply for a mortgage with her on XXXX/XXXX/2017 and close in 2017 a {$1000.00} furniture gift card. It is so unfair for a consumer to be enticed like this, and it 's likely it would result in a higher interest rate.
|
| 01/12/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on GUILD MTGE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. If this type of information can not be equipped, make sure to erase the item in question immediately.
|
| 12/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Guild Mortgage company promised a lower rate for our mortgage. They ended up stating that because our house was worth {$3000.00} more we had to pay them the difference. We declined because our house was worth less then what we paid due to roof leaks, foundation leaks and misalignment, as well as neighborhood quality declination. They ended up charging us {$540.00}.
|
| 12/14/2018 |
Yes |
|
|
|
Web |
|
|
My escrowed closed on or about XX/XX/2018. The lender and escrow company had misleading and deceptive business practices. I am requesting assistance to recover the excessive costs and fees that paid. I feel that I was discriminated against because of gender and color I paid to many high fees that I feel I would not have been charged if I was not a woman of color.
|
| 03/27/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I, XXXX XXXX the natural consumer sent Guild Mortgage by certified mail number XXXX a UCC-9-210 REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, WHICH BY FEDERAL LAW THEY ARE REQUIRED TO RESPOND, I WILL ATTACH WITH THIS COMPLAINT A EMAIL VERIFICATION I RECEIVED FROM GUILD MORTGAGE ACKNOWLEDING CERTIFIED MAIL RECEIPT
|
| 09/23/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I received a letter from Guild Mortgage saying my loan was in default due to missing HOA payments. I spoke with the attorney from the HOA and am working on a payment arrangment. I was told by the mortgage company to contact them within 10 days. I have called and left over 30 messages with no response. My home shows on XXXX as being in pre foreclosure.
|
| 05/01/2023 |
Yes |
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Regarding previous CFPB complaint # : XXXX I originally sent a complaint on XX/XX/2023 and never received the letter regarding the information I requested. I then sent an email to Guild Mortgage LLC and no one is helping me get this information-they are just passing me around to another department ( between customer service and loss mitigation ).
|
| 01/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XXXX mortgage statement with amount due that was different from the original loan amount due. Called the mortgage company concerning the different amount. Transfered to a loan consultant only to be placed on hold after waiting for XXXX from the first time this happened after each inquiry following the monthly billing cycle.
|
| 03/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
GUILD MORTGAGE CONTINUES TO IGNORE MY REQUESTS AND REFUSE TO PROVIDE ME WITH FOREBEARANCE UNDER THE CURRENT LAW WITH COVID THEY STATE THEY CALL ME OR SEND EMAILS TO WHICH THEY THEN DROP THE BALL AND CONTINUE TO REFUSE ME FOREBEARANCE WHEREBY I CAN PLACE MY MORTGAGE PAYMENTS ONTO THE BACK OF THE LOAN AS THE LAW ALLOWS
|
| 03/08/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I closed on my home in XXXX of 2015 and this month I received a notice from my mortgage company ( Guild Mortgage ) that I had a trust shortage. I called the mortgage company and they told me that because of the shortage my mortgage was reconfigured to cover the shortage. My payment went up over {$360.00} a month.
|
| 06/28/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
XX/XX/2019 {$1200.00} and all of our bank recordsfor 3 months prior to this date for myself and other members in my household on our loan, social security numbers, and address. We then lost our house to foreclosure and were referred to a lawyer they use frequently and had to pay her {$670.00} on XX/XX/2019.
|
| 06/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
Guild mortgage has failed to removed my pmi, it has been over 4 weeks and they billed me for the pmi once after I was below the amount required and told by one of the managers I qualified to have it removed. Guild mortgage does not seem to want to comply. They told me 5-7 days not 5-7 months or years.
|
| 03/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Borrower is comparing lenders and mortgage brokers. XXXX XXXX in XXXX XXXX ( now named Guild Mortgage ) is incentivizing first time homebuyers with a {$2000.00} XXXX XXXX gift card in order to attain new clients. Clear violation of exceeding allowable gifts to garner business.
|
| 12/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am currently in review for a loan modification and have provided all documents to be considered. I also have a foreclosure sale date scheduled on XXXX/XXXX/15 and need help getting is postponed. Any assistance you can provided with the postponement will be appreciated.
|
| 04/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
This mortgage company is offering {$2000.00} egift cards for using their mortgage service. That seems like a thing of value, and requires you closing a mortgage with them. How is this allowed?
This same offer for {$2000.00} egift card is on their actual website.
|
| 06/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had paid my mortgage two days late. The company would not accept the next two payments on time, so Guild Morgage reported me late for the next to months. I have spoke to the morgage twice but with no results.
Please remove this from my account
|
| 06/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We got behind on the mortgage Man called, save us from loss mitigation he gave me an alternative way to pay my payments. Turns out he was scamming me. I paid a barcode at XXXX twice for the amount of {$600.00}. Please help XXXX XXXX XXXX.
|
| 02/08/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I had engaged a mortgage lender and was incorrectly advised by this lender on a gift transaction. As a result they are telling me I am required to disclose additional information I was told I would n't have to due to this transaction.
|
| 07/05/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My short sale ( XXXX 2013 ) was reported as a foreclosure to all XXXX credit reporting bureaus, thus further damaging my credit history. After several attempts/requests to Guild Mortgage, they refuse to cooperate.
|
| 10/16/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have requested on several occasions to have PMI removed due to the value of my home is sufficient to lower the mortgage value to 70 % or less of the homes current value, and the lender has refused to comply.
|
| 05/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid my mortgage and Guild Mortgage still reported it 30 days late. I paid after hours but on the date. I showed them proof and everything and they still haven't fixed it. I want them to update that payment.
|
| 02/01/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
FHA loan closed with a monthly mortgage payment of {$2600.00}. Received a letter from loan company XXXX statements calling for a change in insurance/taxes, raising monthly mortgage payment to {$2900.00}.
|
| 03/16/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Guild Mortgage Company I need to see the original promissory note for XXXX XXXX XXXX XXXX XXXX, GA XXXX. Also provide the location and a time and place that I can view this myself promissory note.
|
| 12/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
This is really a marketing compliance issue. Guild is offering kickbacks on their 97 % LTV loans - in addition to this, their licensing info isn't on their material. This is appearing on XXXX.
|
| 03/20/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Guild Mortgage Company, based out of XXXX Nevada is offering to buyer clients who apply for a mortgage with them on XX/XX/XXXX, a {$1000.00} furniture gift card. Is n't this a violation?
|
| 02/19/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I inquired with interest in their services. Someone reached out. I uploaded personal documents to an application 12 days ago. I haven't heard from them or received a loan estimate.
|
| 03/08/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XXXX XXXX XXXX Guild Mortgage posted an advertisement listing loan terms ( specifically down payment and loan to value ) without any additional terms, or any APR.
|
| 01/24/2023 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I made a payment on XX/XX/XXXX before XXXX XXXX XXXX XXXX and Guild mortgage reported my loan past due when I made my payment before the end of the month online.
|
| 06/30/2022 |
Yes |
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
See attached. Former complaints regarding same company XX/XX/XXXX and XX/XX/XXXX were closed without resolving my concerns. Proof of identification is provided.
|
| 04/20/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I recieved some deed of ownership from XXXX XXXX XXXX XXXX and then I submitted something with you Now I recieved this and what looks familure is /s/ and d/b/a
|
| 04/16/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I am trying to pay with my XXXX credit card and keep being told that they will not accept my payment. This is resulting in me having to pay late fees.
|
| 09/09/2021 |
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 regarding the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.
|
| 09/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 12/07/2023 |
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 |
|
|
I did not authorize GUILD MORTGAGE COMPANY to run my credit.
|
| 01/26/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Mortgage
- Reverse 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 |
|
|
| 01/12/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Closing on a mortgage
- Closing disclosure or other related disclosures
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Servicemember |
|
|
| 11/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- An existing modification, forbearance plan, short sale, or other loss mitigation relief
|
|
Web |
|
|
|
| 11/11/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Loan estimate or other related disclosures
|
|
Web |
|
|
|
| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/18/2023 |
Yes |
- Debt or credit management
- Mortgage modification or foreclosure avoidance
|
- Didn't provide services promised
|
|
Web |
|
|
|
| 09/27/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 09/23/2023 |
Yes |
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 09/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 07/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 07/11/2023 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/26/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 05/08/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Servicemember |
|
|
| 05/06/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 04/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/09/2023 |
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 |
|
|
|
| 04/03/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
|
|
|
Web |
|
|
|
| 03/26/2023 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 03/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 03/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/31/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 01/30/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 01/20/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 12/05/2022 |
Yes |
|
|
|
Referral |
Older American |
|
|
| 11/17/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 10/26/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American, Servicemember |
|
|
| 10/25/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 09/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 08/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/29/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 07/07/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/07/2022 |
Yes |
- Mortgage
- Reverse mortgage
|
|
|
Web |
Servicemember |
|
|
| 04/08/2022 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
Older American |
|
|
| 03/02/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 02/28/2022 |
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 |
|
|
|
| 02/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 01/14/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 12/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/14/2021 |
No |
|
- Struggling to pay mortgage
|
|
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 |
|
|
|
| 12/01/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/15/2021 |
Yes |
|
|
|
Web |
|
|
|
| 11/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 10/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 10/11/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 09/19/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/02/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 07/21/2021 |
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 |
|
|
|
| 07/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 06/15/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 06/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 05/20/2021 |
No |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
- Problem with customer service
|
|
Phone |
Older American |
|
|
| 05/03/2021 |
No |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 04/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 02/10/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/22/2021 |
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 |
|
|
|
| 12/31/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 12/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 11/17/2020 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/13/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 06/15/2020 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/27/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 05/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 04/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 04/23/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 04/02/2020 |
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
|
|
Phone |
|
|
|
| 02/25/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 02/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/04/2020 |
Yes |
|
|
|
Phone |
|
|
|
| 12/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 11/06/2019 |
Yes |
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/21/2019 |
Yes |
|
|
|
Web |
Older American, Servicemember |
|
|
| 09/25/2019 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 09/17/2019 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 07/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 06/28/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 06/02/2019 |
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 |
|
|
| 06/02/2019 |
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 |
|
|
| 05/30/2019 |
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 |
|
|
| 05/20/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/25/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/15/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 03/26/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/15/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 03/04/2019 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 02/20/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 02/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 11/29/2018 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Servicemember |
|
|
| 11/29/2018 |
Yes |
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 11/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 11/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Phone |
|
|
|
| 09/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 09/19/2018 |
Yes |
|
|
|
Web |
|
|
|
| 09/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 08/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 08/02/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 07/18/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 07/12/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 07/12/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Phone |
Servicemember |
|
|
| 07/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 07/05/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 06/27/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 06/26/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 06/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 05/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/22/2018 |
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 |
|
|
|
| 02/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 11/20/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/16/2017 |
Yes |
|
|
|
Phone |
|
|
|
| 10/22/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 10/09/2017 |
Yes |
|
|
|
Web |
|
|
|
| 09/09/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 08/21/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/05/2017 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 08/03/2017 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 06/16/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 04/17/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/11/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Fax |
|
|
|
| 04/11/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Fax |
|
|
|
| 03/27/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 03/01/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 02/23/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Servicemember |
|
|
| 02/17/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/08/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
|
| 01/07/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/06/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
|
| 12/29/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
Older American |
|
|
| 12/29/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 12/14/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 12/10/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 12/05/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/09/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/19/2016 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 09/06/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/01/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/22/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 08/10/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
Servicemember |
|
|
| 08/05/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 07/22/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/21/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
Servicemember |
|
|
| 06/13/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Phone |
|
|
|
| 04/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 04/18/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 04/05/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/13/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 03/10/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/04/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/01/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 02/01/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/21/2016 |
Yes |
|
- Settlement process and costs
|
|
Referral |
|
|
|
| 11/19/2015 |
Yes |
|
- Credit decision / Underwriting
|
|
Phone |
|
|
|
| 11/19/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Postal mail |
|
|
|
| 11/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American |
|
|
| 09/14/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/03/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 08/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American |
|
|
| 07/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 07/16/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/08/2015 |
No |
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 06/27/2015 |
No |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/10/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 04/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American |
|
|
| 02/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 02/12/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 12/11/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/15/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/14/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/12/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 10/10/2014 |
Yes |
- Mortgage
- Reverse mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
|
| 09/19/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 09/10/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 08/23/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/13/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 08/08/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/05/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/23/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 07/16/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 07/07/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/02/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 06/18/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 06/03/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 05/23/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 04/28/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/09/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/25/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 03/19/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Servicemember |
|
|
| 03/18/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/18/2014 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 03/07/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 02/26/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 12/11/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/27/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 11/12/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 11/06/2013 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/27/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/16/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
|
| 09/26/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 08/22/2013 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 08/14/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/07/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/17/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 07/03/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 05/09/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/07/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/06/2013 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
Older American |
|
|
| 05/03/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/10/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/27/2013 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 02/04/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 01/04/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 12/25/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 11/13/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 11/02/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/02/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 09/29/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/19/2012 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 08/29/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/17/2012 |
No |
|
- Settlement process and costs
|
|
Postal mail |
|
|
|
| 08/06/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 07/26/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/25/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/10/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 07/10/2012 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 06/26/2012 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 06/13/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Postal mail |
|
|
|
| 05/24/2012 |
Yes |
|
|
|
Postal mail |
|
|
|
| 05/19/2012 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 05/15/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/14/2012 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 04/25/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 04/05/2012 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 04/03/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 02/22/2012 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/15/2011 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Phone |
|
|
|