Home Point Financial Corporation CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
07/22/2020 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • MO
  • 641XX
Web Servicemember
The correspondence below was emailed to Homepoint 's Borrower Assistance email address on XX/XX/2020 and again on XX/XX/XXXX, 2020.I also sent it via XXXX XX/XX/2020 and I have not received any response from them concerning the email correspondence I sent below. I have also attached a copy of the letter as well as the modification documents demonstrating that there was nothing included in the documents they sent me indicating they should be returned in 15 days or the process would be terminated or need to be restarted. On Friday XX/XX/2020 I called Homepoint Financial and spoke to XXXX ( XXXX ) in the Loss Litigation Department. I called in to inquire about a lower interest rate and to see if I had any relief options available to be under the Cares Act. XXXX informed me that there were no options available to me under the Cares Act because my mortgage was delinquent prior to Covid-19. XXXX only provided me with limited options and could not answer any questions regarding the two options he did provide because he was not my assigned loss mitigation contact. On XX/XX/2020 I called into Homepoint Financial and spoke with XXXX. I requested relief under the Cares Act and requested forbearance. XXXX informed me that I did not qualify and was not eligible for forbearance or any relief under the Cares Act. She stated that my delinquency was before Covid-19 and that I was ineligible for forbearance under the Cares Act. XXXX discouraged me from taking a forbearance stating that it would make me further delinquent and put me in an even worse position. I read the guidance from the Veteran Affairs website regarding federally back mortgage loans to XXXX that said the delinquency status on the account didnt matter and XXXX insisted that I was not eligible. XXXX stated that she would escalate the call to a supervisor. On XX/XX/2020 I called Homepoint Financial and spoke with XXXX ( XXXX ) ( who had an extremely unpleasant attitude with me from the very beginning of the call ) and requested forbearance under the Cares Act. XXXX told me that I was not eligible for relief under the Cares Act because my account was already delinquent before Covid-19. I explained to XXXX that I have been and I am currently being impacted by Covid 19 and that according to the Veteran Affairs Website and the Consumer Protection Board that my delinquency status didnt matter and I was eligible. XXXX became even more unpleasant, slightly rude, and continued to state that not only was I not eligible for a forbearance getting forbearance wouldnt be beneficial to me but if I wanted to get forbearance its my prerogative. On XX/XX/2020 XXXX from the Loss Mitigation Department at Homepoint contacted me as a follow up to the call that XXXX escalated on XX/XX/2020. XXXX informed me that the only option I had was to sign the mortgage modification documents that had been sent to me as a result of a financial hardship before Covid 19. I explained to him that I was experiencing further hardship due to Covid 19. I asked XXXX for a reduced interest rate and he said I was not eligible for one under Covid 19. I informed XXXX that I had spoken to my assigned representative at the Veteran Affairs and she had indicated that he could have given me the same XXXX interest rate that I previously had if he had sent a request to her for approval. XXXX did not send a request for approval to get me a lower interest rate and could not provide an explanation as to why despite the numerous amounts of times I had previously called in about it. I also requested to be granted relief under Covid 19 to include forbearance. XXXX explained to me that while he would be happy to give me forbearance it would not be under Covid 19 as my account was delinquent prior to Covid 19 and the delinquency was not due to Covid 19. When I informed him of the guidance from the Veteran Affairs and the Consumer Financial Protection bureau regarding federally backed loans he continued to insist that I was not eligible. I told him the guidance stated that the delinquency status didnt matter and he insisted that I sign the Modification documents as that was the best option for me. XXXX did not offer me any other information, resources, or options. I told XXXX that since I had no other options available to me that would allow me to keep my home I felt forced and would sign the documents and return them. According to the Cares Act SEC. 4022. FORECLOSURE MORATORIUM AND CONSUMER RIGHT TO REQUEST FORBEARANCE ( b ) FORBEARANCE : ( 1 ) IN GENERAL.During the covered period, a borrower with a Federally backed mortgage loan experiencing a financial hardship due, directly or indirectly, to the COVID19 emergency may request forbearance on the Federally backed mortgage loan, regardless of delinquency status, by ( A ) submitting a request to the borrowers servicer ; and ( B ) affirming that the borrower is experiencing a financial hardship during the COVID19 emergency. ( 2 ) DURATION OF FORBEARANCE.Upon a request by a borrower for forbearance under paragraph ( 1 ), such forbearance shall be granted for up to 180 days, and shall be extended for an additional period of up to 180 days at the request of the borrower, provided that, at the borrowers request, either the initial or extended period of forbearance may be shortened. ACCRUAL OF INTEREST OR FEES.During a period of forbearance described in this subsection, no fees, penalties, or interest beyond the amounts scheduled or calculated as if the borrower made all contractual payments on time and in full under the terms of the mortgage contract, shall accrue on the borrowers account. ( c ) REQUIREMENTS FOR SERVICERS. ( 1 ) IN GENERAL.Upon receiving a request for forbearance from a borrower under subsection ( b ), the servicer shall with no additional documentation required other than the borrowers attestation to a financial hardship caused by the COVID19 emergency and with no fees, penalties, or interest ( beyond the amounts scheduled or calculated as if the borrower made all contractual payments on time and in full under the terms of the mortgage contract ) charged to the borrower in connection with the forbearance, provide the forbearance for up to 180 days, which may be extended for an additional period of up to 180 days at the request of the borrower, provided that, the borrowers request for an extension is made during the covered period, and, at the borrowers request, either the initial or extended period of forbearance may be shortened. In addition the Consumer Financial Protection Bureau provided further guidance indicating servicers should not discourage or require attestations from borrowers seeking forbearance under the Cares Act. It further states servicers who mislead borrowers concerning their rights under the Cares Act could be at risk of committing a legal violation or causing consumer harm. The representatives at Homepoint Financial have discouraged me from requesting a forbearance using scare tactics that would lead me to believe that taking forbearance would make my situation worse. The representatives failed to advise me of my rights or options to assist me during this very difficult time and forced me to sign modification documents. I did not request a suspension of the modification agreement that was pending as I realize the Cares Act provides that such a request would not be eligible under the Cares Act if the delinquency was not in the identified time period ( SEC. 4013. TEMPORARY RELIEF FROM TROUBLED DEBT RESTRUCTURINGS ( b ) SUSPENSION ( 2 ) APPLICABILITY ) I requested a forbearance which the Cares Act makes the distinction between the modification suspension and forbearance stating the forbearance request should be granted regardless of the delinquency status. I was denied this option as a matter of right and Homepoint did not disclose my rights or provide any resources or additional assistance for relief despite my repeated request. Lastly, I fulfilled the terms of the modification that I was in prior to Covid 19 to address my previous delinquency but because Homepoint failed to advise me that the documents should have been turned in 15 days after receipt they wanted me to start a new loss mitigation application. Although they later changed their minds about it they failed to acknowledge their error and did not acknowledge that page 5 section 3 states, If my representations and covenants in Section 1 continue to be true in all material respects and all preconditions to the modification set forth in Section 2 have been met, the Loan Documents will automatically become modified on XX/XX/2020 ( the " Modification Effective Date '' ) and all unpaid late charges that remain unpaid will be waived. I understand that if I have failed to make any payments as a precondition to this modification under a trial period plan, this modification will not take effect. The first modified payment will be due on XX/XX/2020. I fulfilled all of the preconditions/trial period payments to the modification and believed that my loan would automatically become modified on XX/XX/2020. While I did know the documents needed to be notarized and returned I thought it would be fine to turn them in prior to XX/XX/2020 since the correspondence that was mailed to me did not indicate that they needed to be returned within 15 days. When I asked XXXX what page of the documents that were mailed to me indicated that they must be returned in 15 days he never provided a response and he could not tell me how I was supposed to know that they needed to be returned within 15 days. When I asked XXXX how was I supposed to know the documents needed to be returned in 15 days she stated to me that information would not have been included in the correspondence that was mailed to me. She stated that XXXX was supposed to contact me and tell me. She later looked on her internal notes to find that XXXX had made one attempt to call me but did not make contact. Additionally, I am still unsure as to how this impacted my eligibility to receive forbearance as I had already met the conditions of this modification agreement that addressed my previous delinquency. XXXX and XXXX in the Loss Mitigation Department assured me that at the conclusion of this modification that my account would no longer be reported delinquent and would be brought current as outlined in the terms of the modification. I was and am still requesting a forbearance to mitigate further hardships associated with Covid 19 to assist me in getting my finances back on track. I understand that being granted forbearance does not relinquish me of paying back this portion of the loan. I understand that because this is a federally backed loan through the Veteran Affairs I will not be required to make a lump sum payment ( as XXXX, XXXX, and XXXX insisted ) at the conclusion of the forbearance period if the amount would equate to what would have been due if the forbearance was not in effect, unless : the lump sum payment is paid at the end of the loan term, or if I choose to make a lump sum payment. I agree to make a lump sum payment to be applied to the end of my current loan term. In addition, I am requesting to be provided with all possible options available to me at this time as well as any information/resources that would assist me in making informed decisions about my loan. If you should have any questions please feel free to contact me anytime.
11/13/2017 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • IL
  • 62702
Web Servicemember
XXXX XXXX XXXX To whom it may concern, the VA does not require an Escrow so your information is incorrect. It is the lender that is requiring an escrow account. I have spoken with multiple representatives at the VA in Washing DC and they have confirmed that VA does not Require an Escrow Account. I have also provided information in writing that the VA does not require an Escrow in my Recent Email to XXXX XXXX in your customer service department. Also your company has reported incorrectly on my payments for XXXX XXXX payment as your correspondence states. We mailed payment on XXXX XXXX XXXX. In XXXX XXXX we made two payments one on the XXXX and one on the XXXX of XXXX XXXX. But you show me being late. Please correct your reporting to the Credit reporting agencies. You also show that I was 30 days late on XXXX XXXX. I made a payment through your website on XXXX XXXX. Also, you do not show any reporting for XXXX, XXXX and XXXX of XXXX, because of your transition from XXXX. I find it concerning that when it benefits your company to not report because your company is in a transition you dont report. But when a customer ask for a late to be removed you cant accommodate. I have provided documentation to substantiate the reason why while I was on XXXX XXXX training. I will be sending these inconsistent reporting to the VA and also reporting to the Federal Consumer Financial protection Bureau and each credit Bureau. I think this is predatory lending if I make a request you dont honor my request but your company can not report should you choose not to because your transition. Please show me in writing that the VA requires an escrow. Not your company policy but VA. I have attached VA lending handbook language that proves that VA does not require Escrow. Again, I am requesting that my escrow be removed from the loan as I will make my own payment for taxes and insurance. It is much easier for me to maintain my own escrow account than Homepoint Financial. It will also be easier for me to maintain XXXX} for principal and interest and remain in good standing with your company than to make the payment of {XXXX which will increasingly become un-affordable because your companys incorrect escrow estimation for taxes and insurance that I have provided in my previous email and Fax. I would think that your company would rather have a VETERAN stay in good standing with your company than to keep raising payments making the home un-affordable because of your incorrect estimations for escrow. I respectfully request that you remove my escrow from my loan and remove my late from XXXX and XXXX XXXX, and remove my late from XXXX and XXXX XXXX. I have attached my credit report. Please See VA lender Handbook Chapter 9 page 21 it clearly states that VA does not require a Escrow Account XXXX XXXX, XXXX To whom it may concern : This is in regards to my current escrow account and my late payments for XXXX and XXXX for my home at XXXX XXXX XXXX XXXX IL, XXXX which is serviced by account xxxxxxxxxx. It is not a requirement of the Veteran Department of Administration that I have an Escrow on this loan. I am requesting that my escrow be removed from the loan and the late payments be removed from reporting to the 3 credit bureaus for XXXX and XXXX Payments. I was on military Duty and my military pay does not pay as much as my civilian occupation. My military pay is still being held up as you will note from my emails in this correspondence. Please note that my payments have been current up until XXXX of this year when I stated my first duty. However, that is when my short fall started because my military duty excluded me from my normal pay from my civilian occupation. Several days of pay were not available for pay from my civilian employer as you can note from my approved time sheets showing zero hours worked. I do not receive pay when Im on duty with the military from my civilian occupation. As you can note from my hours during XXXX thru XXXX I did not get paid for holidays and days not worked being on military duty. These late payments showing has caused my credit score to plummet from XXXX down to XXXX. I would like to point out that your customers service representatives XXXX XXXX in the refinance department and XXXX the customer service reps were very professional and was a great help in understanding my situation. Please note my payment history as I have been trying to catch up on these payments to be current and I will be making the XXXX payment next week. I will be able to pay the XXXX payment on time. With my mortgage payments constantly increasing because of the escrow account, it will make it hard for me as a military veteran to maintain affordability of this loan as required. With paying taxes homeowners have some grace period in paying taxes and even payment plans can be set up should that for some reason they neglect to pay them on time or at all. I mentioning this because With your financial institution I dont have those options. I have already received a foreclosure letter from Homepoint Financial. I want to continue being current and a good customer. With my plan for maintaining the escrow on my own, I will send correspondence to Homepoint Financial to ensure that all taxes will be current and on time. With this formal request that my escrow account be removed from the loan, It will benefit me greatly to manage the escrow account through an account I have already set up for with XXXX bank to have funds for taxes and insurance. After reviewing your escrow estimates included, I do not understand why there is a required stating balance of XXXX plus a XXXX cushion in XXXX. That is a total of XXXX that I can have as surplus to pay the next first year escrow amount. In XXXX I put in XXXX in for escrow at closing to cover the escrow. If that starting {XXXX was placed in the account, there should not have been that much of a shortage from XXXX to XXXX. My XXXX escrow account you required a cushion of XXXX and a required starting balance of XXXX which is a total of XXXX. My taxes from XXXX thru XXXX as noted below rose the most from XXXX to XXXX in the amount of XXXX. This was due to the sale of my home which cause all the home owners in the area taxes to rise. With the XXXX at closing and the XXXX you collected in XXXX for taxes leave a total of XXXX. That is still a surplus of {XXXX} to be used for XXXX taxes. In XXXX you collected XXXX in escrow when my insurance and taxes were only XXXX} which is a surplus of XXXX above what is required for taxes and insurance. Please keep in mind my Home insurance went down XXXX last year not up as you estimated. Your most recent escrow estimate shows my Payment going down but you still say that my escrow has a shortage of XXXX}. I find that hard to understand. How can I be at a short fall when my payment goes down but my escrow is short? Again, I sincerely request that my late payments be removed from my credit reporting agencies for XXXX and XXXX. I am also requesting my escrow account be removed from my account. With these 30 day late payments showing on my credit reports makes it impossible for me to request this from you and any lender. I hope that my soldiers and sailors act rights will help you in decision making process along with the information I have provided. The tax increase does not warrant the amount of escrow being collected each year for taxes and insurance. Below is a 4 year tax assessment summary for Address xxxxxxxxxxxxxxxxxxx Year Property taxes Change Tax assessment Change XXXX XXXX XXXX % XXXX XXXX % XXXX XXXX XXXX % XXXX XXXX % XXXX XXXX XXXX % XXXX XXXX % XXXX XXXX XXXXXXXX % XXXX -- Your attention to this matters is Greatly appreciated I can be reached at XXXX or XXXXXXXXXXXX Sincerely XXXX
01/22/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • PA
  • 18052
Web
XXXX XXXX XXXX which XXXX, Customer Service, XX/XX/XXXX, called me and said this call was being recorded and monitored. I said I will also record this call as well and XXXX said, " Okay. '' XXXX told me my escrow surplus check of {$1000.00} was processed on XX/XX/XXXX. He said it was sent to my address by United States Postal Service. I asked him if it was sent certified mail and he replied no. It seemed odd and he put me on hold and returned approximately 10 minutes later and said the check number was XXXX. XXXX i.d . XXXX called from ( XXXX ) XXXX. After XXXX returned he said he saw that the surplus check wasn't cashed and confirmed my address and said he would be a stop on the check and my escrow surplus check would be mailed on XX/XX/XXXX and I would receive it in 7-10 days. However, on XX/XX/XXXX I received an email from someone else stating that I could not receive my escrow surplus of {$1000.00} until my mortgage was current and then I can ask for it. On XX/XX/XXXX I paid 2 payments which included XX/XX/XXXX and XX/XX/XXXX mortgage payments and asked if this escrow surplus amount could be applied to XX/XX/XXXX which was {$800.00}. As they monitor all calls and they are recorded they would have proof of this information and I was told that they would apply it to XX/XX/XXXX statement. I thought they would do this as it's illegal to keep more than {$15.00} and that is actually on the back of their statement. I did not know that they didn't apply this escrow surplus as it's a Federal Law until I tried to sign into my account online and pay XX/XX/XXXX 's statement. I spent 3 days trying to make a payment by phone as I kept XX/XX/XXXX=XX/XX/XXXX. On XX/XX/XXXX after holding for 36 minutes and my friend was on the other end as a witness as she was connected through a conference call. I was instructed by a different customer service rep who didn't know how to handle this and said that I couldn't pay XX/XX/XXXX and had to pay XX/XX/XXXX statement which now including inspection fees of {$45.00}. She had XXXX call me XX/XX/XXXX XXXX XXXX ET. XXXX told me that he is showing that I have a conventional loan, however, when I signed to refinance with XXXX XXXX at XXXX XXXX XXXX. this was a HUD-1 loan. XXXX told me that XXXX XXXX is the same company as XXXX XXXX XXXX as I wondered if this is a legitimate company as I've had so many problems with them in the past. They also lied to your company as I never told them I didn't want a loan modification loan. On XX/XX/XXXX I received a notice of servicing transfer stating new servicer is XXXX XXXX XXXX . Servicing Department and the current servicer is XXXX XXXX XXXX their servicing department. I went through all my paperwork today and found this and I could never find any information on XXXX XXXX XXXX XXXX which legally they are supposed to let me know 30 days in advance if the servicer changes. XX/XX/XXXX is the date of closing when I closed with XXXX XXXX XXXX as they refinanced my mortgage. I don't understand why they show my income being much higher than it was as I am XXXX and collecting social security XXXX. Anyway, something does not appear right with this corporation as Home Point tells me it's the same as Maverick but a letter states otherwise including a different loan number. When they informed you that they didn't receive my XXXX XXXX 's diagnosis until XX/XX/XXXX when I applied for a loan modification this is false. I have a witness who heard the telephone call in XX/XX/XXXX as my phone was on speaker and as all calls are recorded they should provide you with that. I was told every form needed was received and a decision would be made at the end of the month. It was obvious that I was given a run around. I also have proof that I was in the ER due to XXXX XXXX XXXX and had a XXXX XXXX and my diagnoses was XXXX XXXX XXXX and my XXXX had XXXX and they administered XXXX XXXX XXXX XXXX XXXX. I followed up with my XXXX XXXX and as he ordered a XXXX I was diagnosed with a XXXX XXXX XXXX XXXX XXXX XXXX which is a XXXX XXXX XXXX XXXX XXXX. I also get XXXX XXXX and this company has caused my XXXX XXXX XXXX XXXX again and I was seen by my XXXX XXXX XX/XX/XXXX and had XXXX in my XXXX. I told XXXX XXXX XXXX XXXX that I needed help with the loan modification when they said, " As it's getting closer to the end of the year in XX/XX/XXXX I would have to start it all over again. '' I started the loan modification in XX/XX/XXXX. I sent everything they needed certified. I do not file income tax as I receive social security XXXX income and XXXX. My income with my XXXX child who was only XXXX years old and not XXXX years old which XXXX listed on closing XX/XX/XXXX was {$1700.00} monthly and ( {$550.00}. was under my son 's name as he is a minor and he still is. ) I do feel I got the run around and I honestly feel they never intended to keep me a loan modification. It seems apparently many mortgage companies did this as I am seeing a class action lawsuit. Now, I am being charged {$240.00} per XXXX and this is an error. I can not talk to any supervisor and they are not there to help me and this is making my anxiety worse and my other diagnoses worse which include major XXXX and XXXX as I was XXXX XXXX XXXX XXXX in XX/XX/XXXX. I cry everyday as they make a mockery out of me. XXXX said I would receive this escrow surplus which I need desperately and my minor son 's needs can't be take care of and now I am told they will not release my money. So, my son can not get the application form into college because of this. This company is lying to you and in XX/XX/XXXX they didn't wait 2 months for this doctor 's letter. It was faxed to them immediately and there is proof of it. They think I am some stupid woman who is a single mother and they feel they can do anything to me as I can not afford an attorney. Can you please help and not just take their word for it. If you read the employees reviews of this company it may tell you a different story as they can not even get Paid time off and they have to take sick days. Maverick Funding has mostly 2 star reviews costing people thousands of dollars. I don't know if they are legitimate but it sure doesn't appear that way. They should owe me money as they held my escrow surplus check. Does the Federal government penalize mortgage companies for this? This is the truth and if you need attachments I can provide them but please do something about this company as I can not take it physically or mentally. They want to foreclose and they are not there to help me. Please read this and you will know the truth. I hope I can help others because I'm ready to disclose them on XXXX because I don't want to see innocent people going through what I did. I am honest and yes I need a loan modification. XXXX on XX/XX/XXXX said he doesn't feel that they still offer them. XXXX on XX/XX/XXXX told me they do offer them. If a lawyer can take this case and help with the loan modification that would be great because everyday I am crying and I don't care anymore. They will break your soul and I cry every day and I can not sleep and I can not eat. I keep losing weight and it's so stressful that I feel you will automatically take their part because they have more powerful attorneys and attorneys make a difference with the judges in this country. Justice is not blind like it was supposed to be.
10/07/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • MD
  • 21401
Web Servicemember
Toward the end of XXXX, Home Point Financial, our mortgage lender for our primary residence in XXXX, contacted us to offer participation in a program prompted by the onset of COVID-19 and the impact the epidemic was having on the economy. My wifes place of employment had recently been shut down due to COVID-19 so we opted to take part in their offer. We have always had near perfect credit so, naturally the impact such a plan could have on our credit record was a concern. We asked and were reassured Home Point would suspend any reporting of delinquency. We accepted their offer understanding the money would still be owed and there is no forgiveness of debt under this program. We were aware that other lenders were conducting similar programs. In fact, the lender on our income property in XXXX extended a similar offer and it proceeded without a hitch. We have, once again, resumed normal payments on that loan. Both parties, us and the lender proceeded as agreed throughout the program. There were no misunderstandings, no mistakes, no threats and no reporting to the credit reporting agencies. The process with Home Point, however, is a totally different story, plagued with mistakes and unprofessionalism which generated misunderstandings, which raised questions resulting in more than a dozen phone calls over the short course of their program. Home Point began sending us letters, statements and notifications in the mail on a regular basis that were contradictory to the agreement in which we were participating. We proceeded as agreed throughout this program and Home Point did not. They proceeded in an unprofessional manner plagued with errors and apologies resulting in repeated responses of, Im sorry, I dont know how that happened. I will fix that for you. You can disregard that letter Mr. XXXX. Each time something seemingly erroneously would arrive in the mail or an unexpected event would take place I would place a call to Home Point We Care line and ask about it. The response was very consistent and the representatives were courteous, informative and efficient. Each time until XX/XX/XXXX when XXXX transferred me to XXXX in loss mitigation. and we waited for the next event, such as : ~ We asked and were told it would be ok for us to continue to make escrow account payments to ensure the tax and insurance remained current. The XXXX XXXX statement then showed the {$290.00} ( check # XXXX ) marked for escrow payment used to pay a late fee of {$46.00}. leaving only {$250.00} for Escrow. ~ The next statements all showed {$0.00} in the Escrow payment field. Each time I called I was told to disregard and that it is being taken care of. On a more recent call I was, however, told it was not possible for me to make Escrow-only payment ( after having sent 4 such payments ) and that all funds, though marked for escrow, went into a general account the use of which was to be determined at a later date. ~ Eventually we were told we had been approved for a deferral, just as we had by our other lender, and that the money would be added to the end of the loan and that we would be receiving a document to that effect. The document was to be sign, notarized and return to Home Point, after which we would start making regular payments. A document arrived on XX/XX/XXXX, dated XX/XX/XXXX, while I was out of town and my wife called me to review it with her. The document did not state the terms and offer we had been expecting and because it had some other persons loan number on it, I assumed it was just another in their long list of mistakes about which I would be told once again to disregard. ~ Early XXXX we received a letter dated XXXX XXXX stating our forbearance plan is ending soon. We called and were told to disregard this letter and that we were approved to participate in Home Points plan for four months. ~ In XXXX, I learned my XXXX credit score had dropped 180 points, from XXXX to XXXX due to reporting by Home Point. Again, I was told by the helpful friendly associates on the other end of the line they didnt know how that happened and they would make sure it gets resolved. It did, but remains another example of unprofessionalism on their part and undue/undeserved stress on my part. ~ In early XXXX I received a letter dated XXXX XXXX from the US Department of Veterans Affairs stating, Your mortgage company has notified us that you have fallen behind on your home loan payments. Home Point promised they would not report me to the VA, in fact the rules prohibit Home Point from reporting me to anyone as delinquent or penalizing me for taking part in their program. Although I continued as agreed in this Home Point-concocted arrangement they reported me. ~ On XXXX XXXX I spoke to XXXX at Home Point and was told again to disregard the letter dated XXXX XXXX I was calling about. It stated my XXXX XXXX payment had not been received and I must immediately send a payment to one of the two addresses provided. ~ On the above phone call, I was also told the restructure had been approved and I will receive a detailed document which I was to sign, have notarized and return to Home Point. I never received such a document and now understand I will not. I was told I would have time to review this document and have questions answered. ~ The document we eventually received on XXXX XXXX was dated XXXX XXXX and stated we had 14 days to sign and return it. During the XXXX XXXX call about this letter I spoke with XXXX who, unlike other associates at Home Point, was extremely rude and unprofessional. This time, I was not, however, told to disregard, I was told to take it or they would foreclose and this is not a debate. I was told this at XXXX XXXX on XX/XX/XXXX by Loss Mitigation associate, XXXX who stating I had been approved for a VA XXXX in accordance with VA requirements and these requirements were not Home Point requirements because the VA owns this loan. Being familiar with a VA XXXX XXXX I asked about the high interest rate. XXXX then admonished me this is not a refinance, rather it is a VA XXXX XXXX. He barked at me about a refinancing requiring Loan Origination Fee, VA Funding Fee and Funding Fee. I asked him if whoever approved the deal took into consideration that I am a XXXX American Veteran and exempt from these costs? To which he responded, I am not going to debate this with you! While todays VA loan rates are openly published to be as low as 2.25 % Home Point has asked me with my near-perfect, XXXX credit score - to accept a new loan that is 1 1/8 % percent above this, at 3.375 %. This may look like a good deal considering I had a loan of 3.5 %, but, then they added 13 months to the term of the loan and didnt even reduce my payment by {$5.00}. That math does not make much sense. I think they are either incompetent or overly opportunistic while pretending to extend VA regulated benevolence to a Service-Connected XXXX Veteran.
03/13/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 90630
Web
Below is the most email I sent to Home Point Financial Corporation regarding my loan, which shows you background and my request. XXXX Removal Request This message was sent with High importance. This message was sent with High importance. XXXX XXXX Sat XX/XX/XXXX XXXX XXXX Good evening, I am requesting to have my XXXX removed from loan number XXXX. You'll see in your portal that I have previously requested for XXXX to be removed from my loan and the status is pending. Below is background why I am requesting for the {$470.00} charge for an appraiser to be waived since I have already paid for an appraisal to be completed on the property. I am additionally requesting the XXXX request be approved and back-dated to when I originally sent and Home Point Financial Corporation received my original request in XX/XX/XXXX. Loan number XXXX was originated in XX/XX/XXXX and the equity position was XX/XX/XXXX. At the one-year mark of our loan with Home Point Financial Corporation , we received a notice that we may qualify for XXXX to be removed if we meet the following criteria : 1 ) have a good payment history, 2 ) be in good standing, 3 ) submit the request in writing, and 4 ) submit an appraisal at the borrower 's expense. We had an appraisal completed in XX/XX/XXXX and prepared the written request to be sent. We then received an annual disclosure in XX/XX/XXXX notifying us of our right to remove XXXX on our loan if the criteria above was met. To confirm I was sending the correct information and confirming where to send the information, I called the main customer service number for Home Point Financial Corporation and reached a representative who confirmed, " So long as have a good payment history with us, be in good standing, submit the request in writing, and have an appraisal showing at least 20 % equity, then your request to remove XXXX is approved ... You'll send the request to the address listed at the bottom of the letter ''. On XX/XX/XXXX, I sent the attached packet via XXXX mail to the address listed on the XXXX letters I received from Home Point Financial Corporation in XXXX and XX/XX/XXXX. You'll see the address I mailed the packet to on the attached request letter. Much to my surprise, I did not hear back from anyone at least four weeks later, so I called Home Point Financial Corporation 's general customer service number on XX/XX/XXXX, and a representative let me know the request was not yet received and I should email it for faster processing, but I showed to have a good payment history, was in good standing, and as long as I sent them an appraisal at my expense then my request to remove XXXX would be approved. I also requested the original email address listed on the account be updated so it goes directly to me making the request rather than my husband 's email address. The representative I spoke with gave me the email address of XXXX to send the official request of XXXX removal from my loan and I've attached the email I sent with no response from Home Point Financial Corporation. On XX/XX/XXXX, I emailed XXXX with a third request to remove the XXXX from my loan and I received an auto-generated email that my email was received, but to date, I have not been responded to. On XX/XX/XXXX, I had not received correspondence that my request to remove XXXX was approved, so I once again reached out to the general customer service number for Home Point Financial Corporation and I was then told that my request to remove XXXX was not only not approved, but I would need to resend the original, received request to this email address ( XXXX ) that was never listed on either correspondence letters that were sent to me in XXXX and XX/XX/XXXX. I was further told the email address I requested to be updated on file was not updated, so any emails sent to me between XX/XX/XXXX through XX/XX/XXXX were not going to the correct email box, nor were they received by me. I was also told that I would need to pay for an additional appraisal to be done at my expense of {$470.00} because the appraiser must be assigned from Home Point Financial Corporation. During my conversation on XX/XX/XXXX with Home Point Financial Corporation 's representative, I requested for the issue to be escalated and I was told to send this email for the following reasons : Why would I need to resubmit a request that was already received by mail to begin the process over? Why would I need to pay for an appraisal again, when the verbal and written instructions on both correspondence from Home Point Financial Corporation in XXXX and XX/XX/XXXX stated an appraisal would need to be done at my expense and that was what was provided? Nowhere on the letter, nor did the representatives I spoke with in XX/XX/XXXX and XX/XX/XXXX, tell me this information. There was no email address listed for the XXXX Department on either correspondence sent to me in XXXX and XX/XX/XXXX so I followed the instructions on the letters and further followed the instructions given to me by the Home Point Financial Corporation representative to mail the attached letter and appraisal to the address listed on the correspondence. There is no phone number for the XXXX Department, which makes it nearly impossible to contact the XXXX Department when I as the consumer would like to discuss options and have clarity provided. Due to the background and reasons listed above, I am now sending my fourth request for the XXXX to be removed from my account and back-dated to XX/XX/XXXX since that is when Home Point Financial Corporation originally received my request to removed XXXX. I am further requesting that the appraisal I paid for at my expense be accepted, or if Home Point Financial Corporation must complete an additional appraisal, then it be paid at the lender 's expense since I already followed Home Point Financial Corporation 's written and verbal instructions to pay for an appraisal at my own expense. I believe my rights as a consumer have been violated due to your internal processes and inaccurate information given to me as the borrower so I have filed a complaint with the CFPB to look into how consumers are treated by Home Point Financial Corporation when requesting to remove XXXX from their loans. I look forward to hearing back from you promptly at my phone number and email listed below. Regards, XXXX XXXX XXXX XXXX XXXX
08/13/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • PA
  • 15301
Web
I received an escrow statement towards the end of XXXX dated XXXX XXXX which incorrectly states a shortage of {$2000.00}. This statement has me incorrectly scheduled to pay additional taxes in the amounts of {$2200.00}, {$500.00}, and {$460.00}. These additional scheduled tax payments belong to my two neighbors and somehow got put on my account The amounts of {$500.00} and {$460.00} totaling {$960.00} were actually paid to my neighbor 's accounts back in XXXX of this year Due to the inaccurate escrow analysis my mortgage payment increased from {$1300.00} to {$1700.00} ( + $ XXXX/month ), which is {$5000.00} more than I should pay over the next 12 months A week later I received another escrow analysis dated XX/XX/XXXX ( why was I just getting this now? ) which showed I had a surplus and even had a refund check for {$470.00} This analysis had the correct school tax scheduled but still had the incorrect county taxes scheduled I called Home Point 2 times on XX/XX/XXXX to figure this out totaling 101 minutes of talk time It was explained to me that the analysis dated XX/XX/XXXX was correct and the analysis dated XX/XX/XXXX was incorrect and should not have been sent to me with a refund check and I was advised to send the refund check back to Home Point so that money could be added to my escrow account due to the shortage It was explained to me that whatever taxes scheduled must have been requested by the County/School and must be paid The representative told me that she did not have a way to show me the actual information about how/why these amounts were requested and explained that I needed to either pay the full amount of the shortage or it would be added to my mortgage payment over the next 12 months The representative told me that I needed to contact the County/School to address why they increased my taxes so drastically After a couple weeks of going back and forth with the County/School, it was discovered that the additional scheduled taxes were paid to my neighbor 's accounts and the County/School never requested those amounts from Home Point. Neither of my neighbors use Home Point for their mortgage company I requested a refund from the County in the amount of {$960.00} but their representative explained that it was Home Point 's mistake and therefore Home Point was responsible for the refund I contacted Home Point in XXXX and forwarded them all the proper documentation showing my actual tax amounts and what had been paid to my neighbors accounts and requested a refund and to have a new escrow analysis completed to reflect the correct amount in my escrow account and a correct mortgage payment I essentially did all of the leg work that Home Point should have done to determine what taxes I should actually be paying and where the additional paid taxes were sent incorrectly Home Point told me again that the refund was not their responsibility and that if the county wasn't refunding me then I should actually go to my neighbors and ask both of them for money. I told them that was NEVER going to happen and Home Point needed to correct this mistake I was assured by reps of Home Point that it would be taken care of before the end of XXXX to reflect a correct mortgage payment for XXXX and to follow up weekly if I don't hear anything Of course I don't hear anything and I continue to follow up until it gets to the point where I'm furious because they haven't done anything and request to speak with a supervisor The supervisor assures me that their team is working on this and it will be corrected by the first week of XXXX I explained to the supervisor that I wasn't going to pay my mortgage until everything was corrected because I shouldn't have to pay an incorrect amount and she agreed It wasn't corrected and I was assessed a late fee for nonpayment in XXXX, which ultimately was reversed I expressed my concern with the supervisor that if this doesn't get taken care of by the end of the month, Home Point would report me to the credit bureaus for a delinquent account. The supervisor again assured me that it would be corrected and if for some reason it wasn't, she would make sure nothing was reported to the credit bureau In XXXX Home Point made national news because they had incorrectly reported thousands of accounts delinquent to the credit agencies, even though those accounts weren't delinquent ( just another thing to prove their negligence ) After the whole month of XXXX passing and still nothing corrected, after multiple calls, I missed another mortgage payment ( due to them not having a correct payment amount ) As of XXXX it was reported to the credit bureaus that my account is Delinquent which dropped my credit score 111 points I have all the email correspondences between me, the county, and the school and I also have all of the call history between myself, Home Point, the county, and the school with dates/times/amount of time. Home point has demonstrated gross negligence with handling my account, wasted huge amounts of my time, caused me to lose sleep, lose productivity during work hours ( dealing with their calls ), caused huge amounts of stress, and now they have caused my credit to take an enormous negative hit. Their representatives were so incompetent when looking at my account that they couldn't understand that it didn't make sense for me to have all of these additional tax payments and they just kept feeding me the same boxed response over and over ; " if those amounts are scheduled, then those amounts must be requested for a reason, and therefore must be paid. '' I had to speak with multiple representatives every time I called and explain the same thing over and over to them and even at one point asked " do you pay 3 separate tax bills to your county and 2 separate tax bills to your school district? '' The representative said " well, no sir I don't '' and I asked, don't you see a problem with this then? And of course I just kept getting the same bottled response as before.
05/02/2022 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • FL
  • 34759
Web
AFFIDAVIT OF TRUTH, MORTGAGE FRAUD, SCAM! Privity of contract for Loan # XXXX : XXXX XXXX, Home Point Financial XXXX XXXX , PrivitXXXX of contract for Loan # XXXX : a contract that exists only between the parties no third party can enforce or obtain rights contained within a contract or buy or sell a contract without the express permission of the original parties.Violations of TILA, Intentional Fraud and GROSS MISREPRESENTATION. XXXX XXXX on behalf of XXXX XXXX ( " LENDER '' ) keep making demands for payment and send a letter dated XX/XX/XXXX stating " in default '' but refuse to show where they have legal and lawful authority to make demand payment. Notice of Lein. This Notice of Lien is to recoup the exact value of the NOTE {$95.00}, XXXX OF DEBT plus the illegally collected debt in the amount XXXX monthly mortgage payments since XXXX as of the date of this notice currently on XXXX XXXX SOCIAL SECURITY # XXXX, INTEREST RATE OF ALLEGED DEBT. This injury and harm to the person will be offset in the exact amount illegally collected as compensatory damages. To get a Satisfaction of Lien and dismissal of current and future court actions, simply delete all remarks from credit reports of the XXXX XXXX. In addition, email XXXX to arrange pick up of documents. No mail will be accepted except email. No service of process will be granted. Please mark this matter as urgent. I hereby attest to the facts that full satisfaction of all claims, debts, loans and obligations have been attained and I am making a formal request for a Letter of Lien Release regarding the loan # XXXX above captioned mortgage and Note. Thank you for your courtesy and consideration. I eagerly await your response regarding this matter within XXXX business day from received of Notice of LEIN. " Silence can only be equated with fraud where there is a legal or moral duty to speak, or where an inquiry left unanswered would be intentionally misleading... We can not condone this shocking behavior... This sort of deception will not be tolerated and if this is routine it should be corrected immediately. '' -- U.S. v. Tweel, 550 F.2d 297, 299. See also U.S. v. Prudden, 424 F.2d 1021, 1032 ; Carmine v. Bowen , 64 A. 932. An unrebutted affidavit is presumed to be true and Respondent ( s ) is/are required to timely respond to and to rebut the truths expressed in each paragraph, categorically and on a point for point basis with an affidavit that is signed and sworn to on respondents commercial liability and witnessed by a third party public witness, e.g. notary public, or other person qualified to attest to foreign bills or the matters expressed in this affidavit that rebuts this affidavit, or the truths expressed in this affidavit shall constitute the final truth and commercial judgment. Failure to disclose, unjust enrichment, misrepresentation and fraud on the consumer. I accept payment in the amount of {$96000.00} same amount as your fraudulent alleged debt {$96000.00}. Plus the illegally collected debt in the amount XXXX made payable to XXXX XXXX, at my address XXXX XXXX XXXX XXXX FL XXXX or contact me for wire transfer information XXXX. XXXX XXXX all previous agreement amount will be void and Affiant will sue XXXX XXXX for actual damages of {>= $1,000,000} In order to avoid legal action, I demand payment no longer than due date XX/XX/XXXX. XXXX Mortgage have caused XXXX XXXX, XXXX XXXX and family suffering, mental, emotional distress and damages continuing at the present time. XXXX XXXX XXXX Desir and family has been injured. This damages my reputation intentionally, recklessly and with malice, spite and ill will. Affiant will further pursue all of my legal remedy without further notice to debtor. This letter serves as evidence that affiant creditor has attempted to resolve this matter formally before filing court case. It would be unjust to allow XXXX XXXX who made false representations to retain the fruits of a bargain induced by such representations. Whipp v. Iverson, 43 Wis 2d 166. REFUSED FOR CAUSE WITHOUT DISHONOR ; XXXXCC 3-501 ; 2-207 ( 2 ) ( C ). FRAUD ; I DO NOT CONSENT ; CRUDEN V. NEALE, 2 N.C 338 ( 1796 ) 2 S.E ; CEASE AND DESIST ALL COLLECTION ACTIVITIES! in accordance with UCC 1-308 ; ALL RIGHTS RESERVED ; WITHOUT RECOURSE! Fraud, deliberate concealment of material information. 15 U.S C 1692K Civil liability. Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. Im a federally protected consumer, I will demand discovery and a trial by jury. I demand XXXX XXXX on behalf of XXXX XXXX ( " LENDER '' ) to answer my AFFIDAVIT OF DEFAULT, ESTOPEL AND PARTS OF A CONTRACT. Attached. FRAUDULENT letter dated XX/XX/XXXX stating " in default ''. Attached Sent certified mail return receipt to all companies involved with FRAUD! XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX N.W. XXXX XXXX. XXXX XXXX, Oklahoma XXXX certified mail return receipt # XXXX CC : Home Point Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX certified mail return receipt # XXXX CC : FHA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX DC XXXX XXXX mail return receipt # XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX certified mail return receipt # XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX certified mail return receipt # XXXX
07/21/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 75056
Web
High level summary is that the XXXX removal process run by Home Point appears to be unfairly manipulated to the detriment of their customers to keep them paying XXXX. I started the XXXX removal process with them back on XX/XX/XXXX. Not only is their process cumbersome to the customer, but it takes entirely too long to reach a conclusion, all the while they continue to benefit from the XXXX being in place on the mortgage, as you know effectively making the mortgage a risk free profit for Home Point b/c their downside is 100 % protected by the XXXX insurance. For context, it took until XX/XX/XXXX to work it's way through their system, get an updated value ( that I, the customer, had to pay {$150.00} for ), and then provide a response to me of no ( because I was conveniently at 80.4 % XXXX XXXX 80.0 % needed for removal, more on the absolute sham of an updated valuation process later ). Since Monday XX/XX/XXXX I have tried to contact someone in the XXXX department at Home Point via phone to try and sort out the issue, or to just pay the extra 0.5 % principal to hit 80 % XXXX, but have consistently been told by the Home Point Customer Service team that there is no such contact # for the XXXX department and I should just wait to be contacted. All the while we have lost another week trying to sort out this issue, which as mentioned above, continues to conveniently benefit the lender while the insurance policy stays in place. My fear is that even after disputing the valuation and/or simply paying the 0.4 % additional principal to hit the 80 % XXXX threshold that they will make me start the entire process over again, which of course will take several weeks and continue to cost me money to their sole benefit. Now for the worst part of the entire process, the appraisal/valuation. As part of their process I was required to pay {$150.00} for the updated valuation ( despite the fact that their own portal has an " estimated value '' of my home on their website that is well in excess of the value needed to be below 80 % XXXX ). At the time of the XXXX removal request I provided the valuation of my home from XXXX XXXX Appraisal District, the County Appraisal District that handles assessing home values in my county for the purposes of property taxes. XXXX XXXX also provided the comps used to support thier valuation, which I also provided. XXXX XXXX also came up with a value in excess of what would be needed to be below 80 % XXXX. So, after paying the {$150.00}, the person Home Point hired to do the valuation reached out to me to schedule the visit to my home. In chatting with him he mentioned he had over 40 home visits on the same day as mine, sure seems like a lot of valuations for one person to be doing on a single day and I struggle to believe he can put in the time necessary to accurately review each home in detail if he is putting out 40 a day. Upon arriving to my home the person doing the valuation appeared very unprofessional, wearing old sneakers, shorts and a t shirt. Once I let him into my home he asked if I had made any recent improvement to my home, which I have, about {$25000.00} worth over the last year. The problem here is that all of this information, along with the actual invoices/receipts, was already provided to Home Point in my initial XXXX removal form. Very frustrating that this information was obviously not provided to the person who would be determining the value of my home. And upon reviewing the updated valuation, these improvements were not considered whatsoever. Seems pretty obvious that brand new paint & carpet throughout an entire house would increase the value vs a similar property. After explaining to him that yes I had made all these improvements and that they were outlined in detailed in my XXXX removal request he then proceeded to take a quick picture in each room. In total the valuation person spent no more than 3 minutes at my house. How could he possibly get an accurate feel in under 3 minutes? And finally, upon reviewing the comps provided in the valuation it is clear the person doing the valuation was searching for comps that would help justify a lower value to keep me paying XXXX. For example, his top comp used for the valuation happened to be XXXX years older than my home and in a separate neighborhood that is not gated. He assigned a value to my home that was a measly {$5000.00} higher than the home that is XXXX years older, and as mentioned above completely ignored the fact of the {$25000.00} in upgrades in the home. There is no doubt in mind that this valuation was purposely biased to keep the value low. So long story short, their XXXX removal process appears to be rigged in their favor and then their customer service and willingness to help resolve/work through the problem/dispute afterwards reveals their intention to keep customers paying XXXX for as long as possible. Just an absolutely unacceptable level of customer service for a company that I am paying thousands of dollars to every year. It is hard not to feel completely helpless in the situation when I continually call and they say they can't help me and I just have to wait until someone responds.
07/13/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MO
  • 64138
Web
My mortgage was refinanced with XXXX XXXX Mortgage in XXXX XXXX. In less than two months XXXX XXXX Mortgage transferred my loan to Homepoint Financial. ( See File 2, File 4 ). When my mortgage was initially refinanced with XXXX XXXX Mortgage they made a payment of XXXX to XXXX XXXX XXXX to pay my homeowner 's insurance premium on XX/XX/XXXX. ( See File 5, File 6 ). This left a balance of XXXX in my escrow account. ( See File 1 ). XXXX XXXX returned the payment of XXXX to me in the form of a check because the bill for the premium was not due until XX/XX/XXXX and the amount XXXX XXXX paid was incorrect as the XXXX was the amount that was due for the previous year. ( See File 3 ). I called the loan officer that refinanced my loan and explained the situation and that the check had been returned. He explained that since my loan was going to be transferred to the new mortgage company by the time the premium would be due that it would be best to cash the check from XXXX XXXX and deposit the funds from the check into my escrow account before the loan was transferred. So, that is what I did. I cashed the check into my checking account and made a payment of XXXX to my escrow account on XX/XX/XXXX. The funds were deducted from my account on XX/XX/XXXX. ( See File XXXX ). After I made the payment of XXXX to my escrow account which already had a balance of XXXX, my new escrow balance was XXXX, XXXX. File XXXX is a copy of the transaction and new escrow amount that was provided to me by XXXX XXXX Mortgage. My mortgage was transferred to Homepoint Financial on XX/XX/XXXX. On XX/XX/XXXX, I went online to set up my monthly payment and noticed that my escrow was short XXXX. ( See File 9 ) On XX/XX/XXXX, I contacted Homepoint financial to inquire about the negative balance in my escrow account. A representative explained that my homeowner 's premium was paid which left my escrow account short. I explained that my escrow account should have had a balance XXXX when the mortgage was transferred which meant that even if they paid my insurance premium of XXXX, my balance should be XXXX. The representative stated that XXXX XXXX Mortgage only transferred XXXX when the mortgage was transferred. I then called XXXX XXXX Mortgage and inquired with them about the missing funds. A representative from XXXX XXXX claimed that they transferred XXXX to Homepoint when the mortgage was transferred and I was told I needed to call Homepoint. I, instead called Homepoint Financial with XXXX XXXX Mortgage ont the line during a three-way call. The rep. from Homepoint claimed that XXXX XXXX only transferred XXXX and XXXX XXXX claimed that they sent XXXX upon the transfer. Basically it was a finger pointing session and nothing was resolved. I asked XXXX XXXX Mortgage how were the funds transferred, through check or wire. The representative from XXXX XXXX responded that she did not know if it was a check or wire, but she knows the funds were sent to Homepoint. Towards the end of the conversation both parties claimed they would look into the situation. I followed up with both companies on XX/XX/XXXX. My escrow account was still XXXX with Homepoint. A representative from Homepoint stated that they still had not received XXXX from XXXX XXXX Mortgage and to date the only amount they had received was XXXX. I called XXXX XXXX again with Homepoint on the line and yet again XXXX XXXX still claimed that they transferred XXXX on XX/XX/XXXX via a wire transfer, when the loan was transferred and therefore did not know why XXXX was missing. On XX/XX/XXXX, I called both companies to follow up on the issue and there has been no change. Both companies are still pointing the finger and playin the blame game, meanwhile no one can explain why my escrow account is XXXX. It is beyond me how a financial institution can loose over XXXX and are not able to trace the funds. I am not understanding why it has taken over a week to locate money that mysteriously disappeared from an escrow account. Either XXXX XXXX transferred the funds to Homepoint or they didn't. It should not be this difficult to resolve. They have to have some record of when and how the funds were transferred. Homepoint should have some record of when the funds were transferred. Homepoint claims they received XXXX in XXXX of XXXX, however, they weren't servicing my mortgage in XXXX so how could they have received funds for an escrow account they weren't even servicing at the time. According to documentation from both companies, the mortgage was not serviced by Homepoint until XX/XX/XXXX. One of these financial institutions has my missing escrow funds and quite frankly I am tired of the finger pointing and the blame game and just would like my funds to be placed in my escrow account. This is horrible customer service. I have been a homeowner since XXXX and have never experienced anything like this until I refinanced my loan. I'm not sure who is responsible but one of them needs to step up to the plate a resolve this issue.
11/03/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • MI
  • 49707
Web
Nothing but problems with this XXXX XXXX XXXX XXXX so sending this to cooporate and talked with them earlier today waiting for a call back. Been trying to close on my loan now the last month. I been very patient and understand. Until I get lied to over and over. I been social worker for over 20 yrs and i have not dealt with such chaos and i dealt with hi risk juvenile that acted more profession. I have got feed bad from other leading lenders in the bussiness actually two in the top five. From the begining the loan officer XXXX begged me to come back to them to refiance there loan called me called me callend me they sure want the loands interest bad but i have recieved very minimal help. I never knew that the customer had to work a 6 hr shift for 2 weeks to get the correct doucumentation. I was told get this they wont talk to me get that he wont talk to me. This all over which XXXX has finally addmitted it was there fault they dropped the ball a yr later come to find out tital work wasnt done tech homepoing not even on there title the courthouse douments. I pai XXXX dollers for this and requesting that I get this money back I had toi do the work last 2 weeks I have sent home point past loan documents called previous lender which i shouldnt if have to he has nithing to do with this. I ended up calling the titale compnay that did this. I eneded up going to the court house at XXXX in the morning saying it is home point finacial mistake after two week or more finally come out after they said it was my resposibility no it isnt I am not a titale company this is not my field. So as of today ill attach get email still not fix previous emails were saying itll be done quick it was said i was suppose to close last week. The i was ask to get the appraisal from another agnexy got it but didnt have the program to opwen an xml file. Call computer guy and syaing appraisl company have these programs very exspensive. Talk with supervisor ethan couple times now and I knwo he has not looked over file before calling because he sated he had no clue wat was going on so i exsplained everything to him. recently he said that i was verbaly abusing his staff. I was not abusing his staff and my frstarations were not directed at them i simply said this is XXXX im not getting help from the loan officer who knwos was the other departments are doing they say they do have acess to my file that is a lie, after checking with two major lender compnays they do have acess to my past fiel they do have access to the titel compnay who did this there should not be lien on proprety they shoudl have took care of this so as i am being lied to over and over it gets frustrating this is an agency home point that should be helping me through this process like i touook the time out of my scheddule to work countless hrs on this even being on phoen and computer from XXXXXXXX XXXX to XXXX XXXX in the moring trying to figure out with microsof support how to open rfile that was requested from XXXX libby. I did not apprciate todat that the supervisor ethen rubbed it in my face that i filed a complaint with other lender too. Thats because I was hellping homepoint get the paperwork they were not trying to get so i did watever i could to get them it and i did it doesnt matter who i file a complaint with if lebnderes arnt doing there job and screwing the customer I have no problam file complaints. so rubbing it in and saying to me oh the CFPB wont do anything they dont do anything well yes they have helped me out before. And i was told to use them in this case that this hole thing is nonsense XXXX XXXX should be taking care of therir mistake this is no one elses. XXXX did say he would figured something out with the XXXX dollers and he did drop the loan a quarter percent after i had to get on them however i do want this lien off my tital propery and i would love rembusment for the time i spent running around town calling and getting paper work for this loan this was not my responsibility I been sick over this havrn frelt good at all had to change my plans last few weeks and once again i dont appreciate the lies afte lies this company has given me from they cant give me the numbers on the loan they cant give me cooperate adress they dont have access to my fine and the list goes on I dont buy it at all. Im firm believer owning up for ur mistakes and do something about it I should not have to have gone and going through all this stress as of now I am communicating with coorpoarte now to solve these issue the guy I talk to at Coporate was nice and said that I should not be treated like this and I am a previous customer how sad and disappointing. Get very frustrating when im told going to close beging of week and nother week passes. Theres always something and there not honest and up front with everything its like everythings a secret i dont have time to just wast here
02/26/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • WA
  • 98226
Web Servicemember
Back in XX/XX/XXXX Homepoint financial did an escrow analysis on my home and found that I had over $ XXXX more than I should have had in my escrow account. On XX/XX/XXXX they stated that they mailed out a refund check to me for my overpayment. I called on XX/XX/XXXX for an unrelated question but while I was on the phone with them I asked when I should be receiving my check. The rep let me know that I should receive it by the end of month, if I dont receive it by then give them another call. Due to the holidays I decided to give them a few extra days, and ended up calling them back on XX/XX/XXXX. When I spoke to the rep on the XXXX she told me that I should have received the check by then but because of the holidays it might be delayed. She told me to give it another week and if I didnt receive it by the XXXX of XXXX to give them another call. On XX/XX/XXXX at XXXXXXXX PST I called Homepoint financial again and spoke to someone for 41minutes. She told me that since I still hadnt received the check and it was now coming up to a month since they sent it out the best option would be to place a stop payment on the original check and send out a replacement check. She told me that I should receive the check no later than 10 days ( not business days, I verified this with her multiple times ). On the 10th day I had finally received a check. I noticed the date on the check was XX/XX/XXXX so I called Homepoint Financial to verify that it was indeed the correct check and not the check that they had previously placed a stop payment on. When I spoke to the Rep he told me it was the original check with the stop payment. I told him that I had already waited over a month at that point to receive that check, if there was any way he could reverse the stop. I waited on the phone for about 10 minutes while he did his thing, when he got back on the phone he told me that he reversed the stop payment and I should be good to cash it the next day ( XX/XX/XXXX ). On the XXXX I took it to my bank and deposited it into my account. On XX/XX/XXXX I got a notification from my bank that the check was removed from my account as a stop payment. I again called homepoint financial 3 different times ( XX/XX/XXXX XXXXXXXX PST call lasted 7 minutes 17 sec , XX/XX/XXXX XXXXXXXX PST call lasted 3min 45 seconds, and XX/XX/XXXX XXXXXXXX PST call lasted 9 minutes 56 seconds ) I called 3 different times because the first time I called the women told me that I would have to wait there was nothing they could do to help me, she was very rude with me and didnt help. 2nd time i called the call got lost and 3rd time is when they told me they would pass my case up to a manager and they should call me back within 24 hours. I did not receive any call back from anyone so I called back on XX/XX/XXXX at XXXX PST ( call lasted for 13minutes and 8 sec ) the guy put me on hold and when he went to answer it again he disconnected the call. I called back at XXXX ( call lasted 17minutes 57 sec ) they told me again that a manager would call me back in the next 2 hours. That again NEVER happened. I called back at XXXX PST ( and was on the phone for 55min 14 sec ). At this point I had finally spoken to a manager XXXX ( ID XXXX ) he told me that he was sending out another check himself and it should take NO LONGER than 10 days. He even gave me the check number so that I would know that it was the correct check when it arrived. He also told me that if I dont get it by XX/XX/XXXX to call again and ask immediately to speak to a supervisor and they should transfer me right over. On XX/XX/XXXX I still had not received a check and had called again ( 14 min 37 sec ). I asked to speak to XXXX however he was not available so I asked to speak to any supervisor. I spoke to XXXX ( ID number XXXX at ext XXXX ). She told me that she was going to speak to the billing department to see about stopping this check and overnighting me a check. She told me that she would work on this and call me back. She never called me back. I called again on XX/XX/XXXX at XXXXXXXX PST ( 1hr 3 min 40 sec ) on this call I spoke to XXXX ( ID # XXXX ) she was INCREDIBLY RUDE, told me that this was my fault, that there is nothing they could do to help me with this, that there is no billing department that stops check and that it was a postal issue. I was not very happy working with her and explained my entire situation, told her everyone who I had previously spoken to including their ID numbers and what I was told, I finally just asked her to speak to another supervisor as she was being incredibly rude. She put me on hold for about 28 minutes and finally got back on the line and told me that XXXX and XXXX were working with the billing department to get a check overnighted to me. It is now the XXXX of XXXX and I still have not heard anything from Homepoint Financial nor have I received a check.
10/05/2021 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • DE
  • 19701
Web
Today, on XXXX XXXX I was sent an email from the mortgage company Homepoint Financial stating they mistakenly reported a late payment on my credit report for my XXXX mortgage payment. Homepoint Financial admitted the late reporting was done and was a mistake as the account was in forbearance.Prior to this, on XX/XX/XXXX, I called and spoke to a representative named XXXX, ID # XXXX. He stated that the late reporting for XX/XX/XXXX was an error and would be corrected in 30 days. He said there was also a note on my account from XX/XX/XXXX stating their was processing error at fault of Homepoint Financial. He said there was a note placed on the account referencing the error and that a payment was pulled in XXXX and the late fee was waived due to the error. He said to ensure it gets fixed, file an internal complaint with Homepoint and submit a 3rd party credit report to showing the reporting. I submitted it and it was not corrected. On XX/XX/XXXX, after received conflicting information from a Homepoint rep named XXXX, I resumitted the report in XXXX. I was sent an email form Homepoint Financial on XX/XX/XXXX, stating they don't honor 3rd party credit reports, which contradicts their complaint process. The late payment status is still showing on my credit report, months after they confirmed removal. On the same date of XX/XX/XXXX, XXXX stated the other late payment for XXXX shouldn't have been reported as there was a note placed on the account that due to an error of Homepoint Financial 's payment processor, the payment was to be reprocessed and for whatever reason wasn't. He said Homepoint failed to reprocess the payment as they in the account, resulting in a late payment byt the time the next months payment was due. He said, because it was Homepoint Financials error, they waived the late fee and corrected the late on my credit reporting. On XX/XX/XXXX, I called with a representative from XXXX XXXX, name XXXX XXXX. We spoke with Homepoint representative XXXX. XXXX confirmed for XXXX and I that the XX/XX/XXXX late credit reporting was in error and will be fixed on the next reporting cycle. She also stated that The XX/XX/XXXX late reporting was in error too and that there was a note on the account confirming Homepoint 's payment processing error. She confirm to XXXX and I that both would be fixed for the next reporting term. On XX/XX/XXXX this was still not fixed. I called in again with a representative from XXXX XXXX, XXXX XXXX. The Homepoint representative XXXX, ID # XXXX told XXXX and I that the late reportings will stand and that there were no notes on the mortgage account for either error. I urged XXXX to look at all the notes on the account to confirm what the last 2 reps told me. XXXX stated that no notes existed on the acocunt. I hung up with XXXX and called Homepoint again on XX/XX/XXXX and spoke with XXXX ID # XXXX, she stated she saw notes for both incidents. She transferred us to " XXXX '' who did not state her ID. She said XXXX and the other representatives were wrong about the notes on my account and misguided me. She then asked me to submitted an email stating which representatives I spoke with so she can address them. However, the log of representatives I spoke should have been listed on my account, but that was not confirmed. She then stated that I would have to provide it in an email complaint to escalate the issue. I received and email on XX/XX/XXXX stating my Homepoint Financial account was reviewed and in response to my additional complaint on XX/XX/XXXX. The stated they dont accept 3rd party credit reports even thought it was a requirement to review my file and fix any discrepancies. XXXX stated they will finally fix the XX/XX/XXXX late reporting but again it will take 30 days to do. They have promised this before and lied. They stated the XXXX report which was for XXXX would not be corrected after multiple Homepoint Financial representatives assured me this was an error on their end and there were notes on the account to support ( which also was the reason they stated they waived their late fee ). I believe the company conveniently lost records/account notes and information as there is no sensible reason for multiple company reps to see a notes on the account about a Homepoint Financial processing error and now the error never existed. Also, if the company did not loose data, why require a customer to report who they spoke with and when if all communication is recorded. This credit reporting company has been untruthful, predatory and unprofessional as they submitted false data negatively impacting me on multiple occasions and have not kept their word to fix their errors. As a result, I would like to see both late reportings removed from all my credit reports.
11/03/2017 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 94580
Web
Complaint # XXXX THIS MESSAGE IS FOR XXXX XXXX XXXX : Dear XXXX XXXX : Thank you so much for your voicemail message this morning. I am so sorry for missing your call. I was driving to work when you called. I tried to call you on my lunch break but I got your voicemail. I tried to reach out to XXXX XXXX XXXX who is now the XXXX XXXX XXXX Home Point Financial Corporation formerly known as XXXX Mortgage XXXX Below is XXXX XXXX XXXX information : XXXX XXXX XXXX XXXX XXXX Home Point Financial Corporation XXXX Priority Way XXXX XXXX, XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX : XXXX Email : XXXXXXXXXXXX XXXX sister who is very nave and inexperienced with the process of home buying and selling was grievously deceived by her real estate agent. The real estate agent was able to carry out her forgery and deception because she connived with XXXX Mortgage now called XXXX XXXX XXXX XXXX XXXX XXXX named XXXX XXXX. My sister hired the real estate agent with a strict instruction of not selling her house unless my sister is assured of buying a smaller house to move into. That assurance was presented by XXXX XXXX with a flawless Pre-approved home loan. I must tell you that my sister fully entrusted the buying and selling of her Single family house and the townhouse ( property to be purchased XXXX to her real estate agent and have also the real estate agent handled all communication with XXXX XXXX regarding loans and other necessary paperwork. My sister never received a copy of her credit report. My sister never received a copy of any disclosures. My sister was under the impression that everything was going well until the real estate agent told her that she can not get a loan because she has a poor XXXX score. The real estate agent disclosed this information at a time when my sister was already liable to be sued for breach of contract if she does not go through with selling her house to the Buyers. I know that you are going to tell me that I should report the real estate agent to the California XXXX XXXX XXXX XXXX. Yes, my sister have already reported her and the XXXX XXXX found evidence that the real estate agent has committed forgery. My sister tried to reach out to XXXX XXXX for some answers because her real estate agent obviously wasnt forthcoming. XXXX XXXX told my sister that she did not write any pre-approval letter for XXXX XXXX. But after a month, he changed his statement. The only way that we will know if XXXX XXXX followed the laws in writing a pre-approval letter if XXXX XXXX will provide a copy of his companys procedure and/or requirements got obtaining a pre-approval letter. I asked XXXX XXXX for a copy but he wouldnt provide me one. Also, I asked XXXX XXXX if there are any mandatory disclosures or communications that should have been provided to my sister prior and after the issuance of the pre-approval letter. I asked all of these because my sister would have known that she has not approved of a home loan before she packed all of her belongings as instructed by her real estate agent who advised her that the townhouse she was buying will ready for her to move in after the owners have vacated the property. My gullible sister had no idea that was a big lie. I would really appreciate it if you can investigate XXXX XXXX and find out what was his basis on writing a glowing pre-approval letter if my sisters XXXX XXXX was poor? Can you please provide me with a list of disclosures that are mandated by law in XXXX XXXX to be given to borrowers prior to receiving a pre-approved loan? I also need you to please explain XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX. I have a suspicion that the real estate agent forged the pre-approval letter that she showed my sister but only XXXX XXXX can confirm that. If XXXX XXXX can confirm that he never wrote a pre-approval letter for XXXX XXXX, then the real estate agent forged a copy of the pre=approval letter to guarantee her double commission. Yes, my sister agent is also the Buyers agent. The real estate agent knows that my sister will not sell her house unless she makes her believe that there is a townhouse already bought using the forged pre-approval letter. XXXX XXXX is a shady loan XXXX. His license should be cancelled. I suspect that the real estate agent bribed him to write a fake pre-approval letter. If he did not do anything wrong, he should be able to answer my sisters questions and not avoid her calls. I just started my new job and I am always attending conferences so it would be best to communicate via email. Your prompt assistance is greatly appreciated. But if you prefer to reach me via telephone, please let me know the best time to call you. Very truly yours, XXXX XXXX XXXX
09/07/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33176
Web
This is a timeline I created to send to homepoint financial outlining my issue so they could resolve it. I have supplied proof of all payments including PDFs of all of my bank statements showing the money leaving my account and going to my original servicer. They refuse to do anything to fix it and keep saying I owe them thousands in past due payments, including harassing me with collection phone calls. It has been a monthlong process of me investing time into resolving this every day and them just telling me to wait longer. It is unacceptable! I closed on my house on XX/XX/XXXX -loan with better mortgage -servicer XXXX -made payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX -received monthly mortgage statements from XXXX from each of these months -no payments due until XX/XX/XXXX because of early+extra payments -received welcome letter from new servicer, HomePoint in early XXXX stating that they would be taking over -showed date of takeover as XX/XX/XXXX ( over a month BEFORE I received the welcome letter ) -went online and created account with homepoint -showed that I was behind on payments since XXXX somehow -called XXXX and HomePoint -XXXX said they were transferring the loan and the transfer would happen XX/XX/XXXX but confirmed my payments were more than up to date and all was well -HomePoint maintained that I am behind multiple payments even though they werent the loan servicer and wouldnt have all information yet. I asked for an escalation and was told a new loan department would look into it and to email documentation of payments I had made. Was told of 60 day protection, I explained that I only became aware of these overdue payments 47 days after the clock started since homepoint is showing that they had the loan since XXXX. Was told to send email documentation of payments, etc -sent in multiple emails with PDFs of bank statements and screenshots of payment confirmations -received XXXX letter from XXXX showing transfer date of XX/XX/XXXX -called homepoint for an update -was told there were no changes, essentially -began receiving calls from homepoint debt collectors daily asking why Im not paying my mortgage -called HomePoint, was told everything would be fine and I should wait for XX/XX/XXXX, the date of the transfer, and then all information would be updated XXXX came and went, now my loan portal on old servicer shows that the loan is gone since the transfer completed on their end -homepoint STILL reflects the incorrect balance, due date, and missed payments -Homepoint shows my next payment as due XX/XX/XXXX ( incorrect, should be XX/XX/XXXX ) and that I need to pay multiple payments at once -this date is approaching quickly and nothing is being done to fix this situation despite me spending hours trying to do so even though I had no say or part in the transaction between loan servicers -this seems to be entirely a discrepancy between the two servicers and I am appalled that resolving it is falling on me. I have done everything I was supposed to do as a borrower, but I am getting calls accusing me of shirking my debts and am facing the prospect of having to spend extra thousands of dollars to bring my loan current while this issue is resolved even though I have spent those thousands already. I dont want to risk my credit score because two loan servicers cant handle the transfer of a loan. -my concern is that homepoint is going to report my delinquent payments as of XX/XX/XXXX, or 60 days from the INCORRECT date of loan assumption, because this has not been addressed, and I should in no way have to take a hit from that because I have been paying my mortgage the entire time ( and no, it was not to the incorrect servicer, because despite what homepoint claims, my servicer was XXXX until XX/XX/XXXX. This is evident from the monthly mortgage statements they sent me and the fact that I could log on and see all my loan info in their portal and, after the REAL transfer, that is no longer the case. ) -additionally, despite homepoint claiming Im behind on payments TO THEM for 53 days, they dont show any statements issued to me before XX/XX/XXXX -the statements they did have showed the discrepancy -now those statements have been removed from my account portal on their site and the amount I owe has been reduced by the equivalent of one payment, though they have no record of that payment -the due date on the paperwork they sent me is BEFORE the loan setup date or the transaction date-by over a month!
09/01/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • OH
  • 43119
Web Servicemember
On XX/XX/2020 my wife and I decided to refinance our home. We decided to refinance with Home Point Financial because they were servicing the loan as it was sold off from the previous lender. With several years of payment history we expected that this would be an easy process. This was the day that we started the process with XXXX XXXX and everything became a nightmare. We submitted all requested documents in a matter of hours. On XX/XX/2020 I paid {$450.00} towards a home appraisal that was to be credited back at closing. The process, from XX/XX/XXXX was to take no more than 45 days and complete sometime in mid XXXX. Our appraisal was conducted several weeks later and our home appraised {$140000.00} above what we owed. We were doing a cash out loan to pay off another loan, but it was only {$20000.00} and this should have been simple for 2 people with good credit and good careers. The next several months were spent with unanswered emails, phone calls, and messages with Home Point Financial. No one from this company wanted anything to do with us or our business. In late XXXX early XXXX we did have XXXX XXXX reach out to us about finishing our loan. We had to start over in the process and submit even more documentation. I keep my credit frozen because I have had problems with identity theft and I do not trust businesses. I was correct in this case again. XXXX called saying he couldn't run my credit for a second time. At this point I was done with Home Point. I asked to terminate the process and we would take our business elsewhere. XXXX emailed us and offered an extra {$600.00} in credit to us if we finished the process as an apology. We accepted and moved on. At this point Home Point tried to not credit back the entire amount of the home appraisal and not finance the loan for the entire amount of the other loan payoff. XXXX assured me that he would correct those numbers and as an apology add an additional {$50.00} to the amount to credit from the home appraisal. All paperwork was finally completed on XXXX XXXX with a closing of XX/XX/2020 at XXXX. Home Point Financial and XXXX XXXX ( Owned by Home Point ) no called and no showed our closing. We contacted XXXX and advised him of the problem. He told us about how the notary had their car break down and the title company was sending someone to pick them up, but we could close at XXXX. At XXXX we had a notary call us and advise that the title company didn't have the documents. This proves the story XXXX gave us was a complete lie. At XXXX the notary called and said we could close at XXXX. We declined because we both have jobs to be at in the morning. XX/XX/2020 I received a call from the title company asking me what time I wanted to close. I said noon to which I received a reply of no problem. I received a call back at XXXX and was told that a noon closing was not possible and instead offered XXXX. The notary arrived 10 minutes late and we began the process. First document for the deed and my name is misspelled. Called the title company to get a correction, this document can not be corrected in ink, and you would have thought we asked for the world. They would try to get it corrected, but to continue with closing. Half of the remaining documents have my name misspelled. Also notably missing from the disclosure statement is the extra {$650.00} as previously mentioned. With only a few documents remaining the title company calls and terminates the closing as they are not able to make any corrections and ask me to tell the notary to leave. We put the title company on speaker phone so they could manage their contractors. XX/XX/2020 I receive a phone call around 11 to reschedule the closing to XXXX. I agree and ask how the additional money for the loan will be paid. I am assured that this will be handled by the title company. We finally close at XXXX. XX/XX/2020 I receive an email from XXXX asking for an updated statement on the additional loan to be paid off in order for them to pay it and have correct numbers. I asked about the missing {$650.00} and was assured that it will be included to us. Today, XX/XX/2020, I received a check from the title company addressed to the bank for the loan. I have to take care of this myself now. XXXX will no longer respond to emails or questions about the {$650.00}. I would not have used this financial institution if it was not promised. I have been lied to every step of this process and feel like I am the victim of predatory lending.
01/06/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95630
Web
I was severely effected by COVID 19 I had received a job offer that was confirmed in XXXX of XXXX and it was then reneged when the pandemic hit and their offices were closed. I was approved for a 18 month COVID 19 Forbearance by Homepoint Financial my lender which is now just Homepoint. When the forbearance ended I resumed payments as I was told for XXXX and XXXX of XXXX. I also applied for the CARES Act streamlines loan mod from Homepoint but was told by phone never by letter that I was not eligible because my mortgage was late prior to XXXX of XXXX even though I paid it up to date to XXXX of XXXX in XXXX of XXXX. I was told I would have to apply for a regular flex mod and supply all docs such as pay stubs bank statements hardship letter tax return for XXXX XXXX invoice, and all other docs. I sent in a full packet on XX/XX/XXXX and I called in weekly for updates to see if anything else was needed and told it was complete and in review. This is where Homepoint began to shuffle me around. Now by XX/XX/XXXX I have not received any approval and by law I never received any correspondence within 5 days saying I needed other docs. When I would call in I was told items were missing when I have actual proof of confirmation of the emails sent showing all the docs they claim are missing are there. They would then make up a new excuse and when I would point out that if they looked at the packet they would see it. They would then find it and then say you did not submit pay stubs for XXXX. I sent the packet in XX/XX/XXXX and I don't receive a pay stubs until XX/XX/XXXX every item was up to date. I secured a new job in XXXX of XXXX where I make 3 times the amount of the current mortgage. I just need a modification to help with the amount owed from when I was affected during XXXX and the forbearance of XXXX. My hardship included Divorce, XXXX serious XXXX in 5 years, loss of job, and being effected by COVID 19. I applied for Successor in Interest and gave them all documentation by XX/XX/XXXX and that was just approved today after I sent a letter with details of every loss mitigation person I have spoken with their code and date and what was discussed. They are refusing to accept my XX/XX/XXXX payment and it's an attempt to make it appear like I can not make payments so they can speed the foreclosure process up. I am never sent any type of correspondence on any paperwork that may be needed by mail or by email just told over the phone I did not send in items I clearly sent in. I am a single Mother of XXXX small kids with no child support I work very hard to make a substantial amount to support us. I had my XXXX removed 2 years ago and my XXXX rupture and numerous complications and XXXX XXXX as well as divorce in the middle of all of this. I have proof of all of these hardships. I sent a hardship letter in explaining all this. I'm being railroaded and Homepoint is buying time by stringing me along so they can start foreclosure instead of doing the right thing. They did not respond to me within 30 days. They did not respond within 5 days and I am not even sure that I'm not eligible for the CARES act loan mod because like I stated I paid the amount owed from prior hardships in full up to XXXX or XXXX in XXXX of XXXX and then Covid hit. When I spoke with legal counsel he told me to give correspondence XXXX last try with them but that the game of claiming they didn't receive documents it's typical for this company and they do it until the other docs become out of date and it goes around and around. I spoke with Providers XX/XX/XXXX XX/XX/XXXX to confirm packet XX/XX/XXXX to confirm they received ID and Divorce decree XX/XX/XXXX XXXX refused my payment XX/XX/XXXX XXXX refused payment said it was under review XX/XX/XXXX spoke to XXXX XXXXXXXX and XXXX XXXX and was told that it was just never submitted but they were expediting it now. Nearly 30 days after I submitted it. I spoke to many other loss mitigation people between these dates and have a complete log and list. Failing to send any type of email or letter asking for any further docs so it's not in writing but then making up missing docs over the phone is illegal. I got the loss mitigation advisor to agree to let me record him on the phone today saying that my packet was complete and submitted for review because he says they are not allowed to send out emails confirming they have a full packet and if it's been submitted or not. These practices are shady and underhanded.
07/06/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 939XX
Web
On XX/XX/XXXX I received a letter from Homepoint Financial stating they had incorrectly reported my mortgage late to XXXX, XXXX and XXXX. This is completely predatory because the mortgage they reported being paid late, was never late and was PAID OFF in full in XX/XX/XXXX. Essentially they reported my mortgage payment late every single month from the date it was paid off thru the date of this complaint. This shows as a rolling 120 day mortgage late on a mortgage I no longer owe. On XX/XX/XXXX I called Homepoint and spoke with XXXX, I requested that they immediately send me a letter detailing specifically that this was their error and they they would be reporting it as not late to all three bureaus. I need a specific letter to submit to XXXX, XXXX and XXXX as they will not report the mortgage current unless the letter has the specific language they require. I was told my request was noted and that I would receive a the more specific letter via email. On XX/XX/XXXX I received the same non-specific letter in my email that I had gotten in the mail on XX/XX/XXXX. Clearly this was not at all helpful. On XX/XX/XXXX I called Homepoint again and asked them to provide the letter I had requested or show me proof the late payments had been removed from my credit history. I do not remember the name of the person I spoke with but I was told they had removed the late report which was completely not true as I had a copy of my current credit report showing the late payments still there in front of me. I was told to email the page of the credit report that still showed Homepoint reporting the late payments. I emailed the requested item on XX/XX/XXXX and was told they would get back to me in 48 hours. A week later, still no response and still no letter, I called back on XX/XX/XXXX and spoke with XXXX. XXXX insisted the mortgage lates were not being reported any longer on my credit report. I informed XXXX that I was looking at a copy of my credit report that was pulled on XX/XX/XXXX and that yes, the late payments are still being reported and they are being reported as 120 days late. XXXX asked me to email him a copy of the credit report which I did. He remained on the phone with me until he was able to look at the report himself. He indicated the report only showed a 30 day late, which is inaccurate as it shows 120 days late, and further does not help at all as I never paid the mortgage late ever, not when I had it and certainly not once it was paid in full. XXXX told me he was escalating my request to have the inaccurate credit reporting immediately removed from my credit report from all three bureau. I told XXXX I would also need a letter with the specific language the three bureaus require. He asked me to email him the specific language which I did, while we were on the phone. He confirmed he received it and confirmed he would send the request to management. Today is XX/XX/XXXX. I have not received the letter I requested and the late payments are still showing up on my credit report. Each time I called Homepoint I informed them I needed this taken care of immediately as I was in escrow to purchase a home and I had {$35000.00} on deposit for that home, that I stood to loose because the lender I was working with was unable to approve the loan with these inaccurate mortgage lates reporting on my credit report. Since I never obtained what I was requesting from Homepoint and since they never asked the three bureaus to remove the inaccurate reporting I lost the home I was in escrow to purchase. My current home is escrow, The buyers of my home will not let me out of our contract, I have no ability to purchase another home while this inaccurate information is on my credit report and I now I will have no place to live. All because Homepoint is reporting false, inaccurate late payment information on a mortgage that was never late and was paid in full and as agreed 10 months ago. I will be attaching to this complaint proof the mortgage was paid in full, the recorded reconveyance from Homepoint, a copy the the original note they sent back when the mortgage was paid off, a copy of the letter they sent congratulating me on paying off the mortgage, copies of all emails indicated above, copies of credit reports indicated above, and proof no payments were ever late on the account not while it was open and certainly not after it was paid in full.
08/22/2019 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CA
  • 92071
Web Older American, Servicemember
We have auto deduction on the XXXX of each month in the amount of the payment {$2000.00} for our mortgage. XXXX, XXXX XXXX all cleared with no issues. On XX/XX/XXXX Homepoint Financial deducted {$4200.00} without any reason or notification. I am a 100 % XXXX veteran, caring for my wife with XXXX XXXX XXXX on a fixed income. This deduction without warning caused great distress and concern in an already chaotic life. The bank returned the request on XXXX as an overdraft and charged me a bounced check charge of {$33.00}. I did not become aware of the issues until I received a notice from Homepoint dated XX/XX/XXXX ( see letter ). The notice was surprising in the fact that the payment was returned but also, they had requested {$4200.00} for payment. This is over twice the amount of my regular payment. Also indicating I owed them {$25.00} return charge. I tried to call and speak to someone for days- it was not only impossible to get through to a person, but when I did, they could not explain why they increased my payment and tried to deduct so much from my account. Each person I spoke to was rude, abusive and could not clarify the issue. They just told me to make the payment. I sent in a check for the amount requested thinking this would be the end. A few days later, I received a mortgage statement showing that I owed {$8500.00}. I tried to call again and was unable to reach anyone who could explain. Because allowing them to deduct whatever they wanted from my account would put my wife 's life and care in jeopardy, I cancelled my auto payment with them and sent a check for the regular XXXX payment in the amount {$2100.00}. That check cleared on XX/XX/XXXX. I called someone to refinance my mortgage to try and take control another way, since I was not getting any answers. When they ran my credit on XX/XX/XXXX, they said Homepoint Financial had already reported my payment late for XX/XX/XXXX even though it was not even the end of XXXX? Again, I attempted to talk to someone at Homepoint to straighten this out without resolve. Homepoint Financial now not only was jeopardizing my home, but they prevented me from refinancing away from them by reporting my XXXX payment late erroneously. As mentioned prior the check cleared on XX/XX/XXXX. I spent XXXX trying to clear this up with Homepoint Financial and finally reached someone who explained that it was due to an increase in my tax bill that they paid on my behalf. They sent me an overnight return package so that I could make my XXXX and XXXX payments, I sent them a cashiers check # XXXX in the amount of {$7800.00} dated XX/XX/XXXX in the overnight package they provided. They have since reported me late for XXXX and XXXX 's payment even though they received them on the XXXX of XXXX in their own envelope? I have sent XXXX payment cashiers check {$4200.00} as they requested by certified mail as I do not trust them any longer, tracking # XXXX it has arrived. I am unaware what the next bill will be and when if ever I can stop paying the increased amount. I received a XXXX coupon requesting the amount of {$3400.00} and it keeps changing. I need assistance to help explain the future payment of my loan, if the payments are going to continue to increase at Homepoint Financial without an end in sight. I need assistance to report the payments on time correctly on my credit report so I can refinance and payoff the loan to a lower rate and correct the taxes. The new lender that I applied said a HERO loan I took out caused my taxes to increase by {$10000.00} and paying it off would decrease my taxes again. Because I am a XXXX Veteran my tax rate was very low allowing me to afford the home. Homepoint Financial has stopped me from refinancing. They have stopped me from doing this by reporting me late erroneously and by not communicating with me to explain why they were even doing this. Now I am being told that the VA has changed the loan guidelines and I wont be able to refinance and payoff the HERO loan after XXXX because of the value of my home. I need help quickly. IF they stop me from refinancing my loan by reporting these late payments in error and I can't payoff they HERO loan, I will have no options but lose my home. Again, we are both XXXX in our XXXX 's and on a fixed income. Moving or losing our home will be devastating at the least. Please help!
07/15/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • UT
  • XXXXX
Web
On Monday XX/XX/XXXX, I called the mortgage company and explained that my new position had different pay dates and I would not have the funds to pay on the XXXX and asked what I could do. I was living paycheck to paycheck due to Covid pay reduction in my previous role. I have also had numerous expensive and mandatory repairs in my house in the last six months. They at first said that there was nothing that they could do. I had recently setup autopay because I didn't want late fees if I forgot to make a payment on payday which was the last day I could pay without it being late. Then on my own, I found the Covid forbearance and asked if I could do that. She never suggested it even when I told her I didn't know what to do and was trying to be proactive and that after the next month everything would be ok. I also explained that I didn't want to pay late or have a late fee. She said I could do this and asked how many months. I went with the fewest, which was two. She said I could make the payment back as soon as I had the funds or on a payment plan or at the end of my loan. I planned to pay it back this month or next. The agent who helped me promised me that I didn't have to cancel my autopay, that she had already taken care and put it on hold for XXXX and XXXX and it would automatically resume in XXXX. I asked her if she was sure as it was only a few days away. Then today, Wednesday the XXXX sure enough, they took the funds out. This then caused other debits to bounce and charger overdraft fees as well as putting me in a negative balance with NO money for food etc. for the next two days until I am paid. I spent an hour on the phone on Monday, then another two hours on the phone today, only to have to prove that the funds were removed and then to be told it would take 2-3 days before the funds would be refunded. This was an escalation and the 3rd person I spoke to who was supposed to be a supervisor/escalation person. I explained that the whole reason I had made the calls on Monday was to avoid this. She said there was nothing she could do. So, their agents are not trained with correct information ( and this is not the first time that I have been provided with incorrect information ). Additionally, I have asked in the past for my payment date to be moved to the XXXX as so many paydays were falling on weekends this year. As I get caught up with a new position this will not be such an issue but it has been an issue for me with this company and I have had late fees because of it. Which I never have with any other loan. Unfortunately, this loan was bought out by Homepoint from the original vendor and was not my choice of vendors. In addition to this, I received a letter from them telling me that they showed that my insurance policy was expiring and that if I didn't prove that I had coverage that they would provide me insurance at a higher cost. I had to sit on the phone 2x for over 20 minutes to reach an agent to prove I had coverage. I have had the same insurance company/agent and coverage since 1984. It's on auto-renew and auto-withdrawal and has been the same for the entire life of my loan ( 10 years in total, but not all with this mortgage company ). In those ten years, I have never had this happen. All in all they have cost me over four hours of my time this week to NOT get a resolution as well as bounced charge fees and impacting local small businesses where I used my card for food prior to knowing they had taken the mortgage out today. So, I also spent time calling the businesses and my credit union regarding the insufficient funds process. Also, their phone tree makes you put all of your info in and then the agent helping makes you repeat it all each time before helping, This is redundant and a waste of time. They are also not trustworthy and have not trained their agents. I canceled my forbearance and am now also canceling my autopay. Also, the website has caused me all sorts of issues in the past including making me reset my password, not letting me setup autopay until 10 days after the previous payment had processed etc. etc. The ONLY thing positive I can say is that they have waived a few late payments over the past year due to the way the mortgage dates hit along with paydates and financial issues.
03/15/2019 Yes
  • Debt collection
  • Mortgage debt
  • False statements or representation
  • Attempted to collect wrong amount
  • LA
  • XXXXX
Web
Since XXXX I have owned a condo in XXXX XXXX XXXX, Florida. When the condo was purchased my mortgage was collected by XXXX XXXX XXXX XXXX. As of XX/XX/XXXX my mortgage was transferred to another company and my rent was now collected by Home Point Financial. The way I found out about this was when I suddenly took a hit on my credit score for being late on my payments. I was not aware that my loan had been transferred and therefore I had not transferred my mortgage payments to a new lender. Anyway, lesson learned, I paid my dues and I set up an autodraft with Home Point Financial to make sure there were no future problems with payments. As I have recently moved to XXXX I called to inform Home Point Financial of my new address and phone number in XXXX. My email address has remained the same. I was told that it is not possible for them to enter a non-US address and phone number in their system but that they would make a note in my file that any future communication should take place by email or by through my account on the company website. As it was not possible to use a non-US address I provide the address and phone number for a friend in the US. Fast forward to XX/XX/XXXX. I log into my bank account with XXXX XXXX ( where I have set up my auto draft for my mortgage ) and I notice that my last payment was not {$1100.00} as usual, but was now {$2200.00}. So it was suddenly increased by {$1100.00}. I immediately logged on to the Home Point Financial website and I found no messages in my inbox. I have also not received any letter by mail ( in XXXX or at my friends address in the USA ) or email. So I call Home Point Financial and I am told that due to lacking proof of insurance a lender placed policy has been put in place on my account. I tell them that the building insurance is placed through the HOA ( XXXX XXXX Home Owner Association ) and that they would have gotten the insurance documents by contacting myself or the HOA. They have no explanation as to why they have not reached out to myself or the HOA but they tell me to please submit all my insurance documentation, which I do right away. I call back to confirm that all my documents are received and they confirm that they have received all they need and that they will make sure to update my auto-draft amount. Two days later I log back in and see that my new monthly payment is calculated to be {$1700.00}, so still {$590.00} more than normal. I call back and after much back and forth they tell me that the original lender placed policy was cancelled but a new flood policy was put in place the day after. The rep I talk to does not know why this has happened, it is done by someone else in another department. After many hours of phone calls and inquiries on my part I come to find out that they need the HOA to submit the flood insurance policy once again for some unknown reason ( it was already submitted the first time ). But they tell my that the HOA has suggested that I need to place an additional Flood insurance policy for the inside/contents of my condo. I tell them that I already have a separate policy for the inside of my condo ( called an H06 policy, already submitted to them the first time ) and I inform them that my condo is on the fifth floor of the building and not very likely to flood. I also reach out to my HOA and talk to the manager there and he informs me that no one from Home Point Financial has been in touch with them. After days of more inquiries, emails and hours on the phone ( international charges, mostly on hold to talk to someone that knows what they are talking about ), I am told that the lender has finally cancelled my lender placed policies and my monthly payments will go back to normal as of XX/XX/XXXX as the insurance information took some time to update in their system. So my next payment will still be {$1700.00}, {$590.00} more than normal. This means by the time we get to XXXX I will have overpaid {$1700.00}. I have been told that some of this will be refunded to my escrow account, but they can not confirm that they will cover any Insurance charges for the period of time that the lender placed insurance was placed on my account.
01/16/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • KS
  • 662XX
Web
My wife, XXXX XXXX XXXX and I, XXXX XXXX XXXX filed for Ch. XXXX Bankruptcy protection in the US District Court of XXXX XXXX, KS on XX/XX/XXXX ( case # XXXX ). We retained the law offices of XXXX XXXX XXXX. Our appointed Trustee was XXXX XXXX XXXX. We did not include our home, property address XXXX XXXX XXXX, XXXX, KS XXXX, financed with Home Point Financial ( loan # XXXX ). However, Home Point put our loan in a " bankruptcy status ''. Due to the " bankruptcy status '', Home Point prevented us from accessing our loan information online, making online payments and we were required to always speak with their bankruptcy department each time we called them. During the approximately five years that we were actively in bankruptcy we never missed a single payment to Home Point Financial. As we neared the end of our bankruptcy, my wife and I, planned to refinance our home mortgage with a HELOC because we were fortunate enough that our property value had increased to the point where we had at least {$100000.00} in equity in our home. However, we knew that we could not refinance until our bankruptcy was discharged. Our attorney filed the Certificate of Compliance and Motion for Entry of Discharge Ch XXXX - XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX was filed with the court on XX/XX/XXXX. On XX/XX/XXXX the court officially discharged our bankruptcy case. We officially notified Home Point Financial and provided them with the paperwork from the court and trustee so we could begin the process of having Home Point remove our loan from bankruptcy status and allow us to start the process of shopping for a HELOC. Home Point Financial advised us that they could not remove our loan from it's current bankruptcy status citing that they needed to wait to be officially notified by the court itself. We followed up with Home Point Financial on XX/XX/XXXX to check the status of our loan and were again advised that it was still in bankruptcy status. After hearing this, I had our attorney send Home Point an email stating that our bankruptcy was discharged on XX/XX/XXXX, in hopes that Home Point would update the status of our loan so we could move forward with our plans for refinancing our loan. From XX/XX/XXXX to XX/XX/XXXX, we continued to contact Home Point Financial about the status of our loan. And we were continuously told that they had not been officially notified that our case had been discharged. By Home Point Financial taking over six months to update the status of our loan properly, it prevented us from refinancing our loan. Due to Covid-19, I personally saw a dramatic drop in revenue from my business. We were forced to request a forbearance from Home Point Financial to provide us with temporary relief financially. The fact is that had Home Point Financial not been negligent by failing to properly update the status of our home loan, we would have been able to refinance our home loan which would have allowed up to cut our interest rate by over half ( currently 4.75 % ), we would have been able to stop paying Mortgage Insurance Premiums that totaled over {$300.00} a month and we would have been able to apply/receive a HELOC. With a successful refinance of our home loan, we would not have been forced to seek a forbearance from Home Point and we would have easily cut our monthly mortgage payment from what we are currently paying, {$1500.00}, to {$800.00} per month based on a 30 year fix-rate mortgage rate of 3.93 %. That is a savings of {$650.00} per month. We would also have been able to take out a HELOC for {$50000.00} for only {$150.00} per month based on a 30 year fixed-rate of 5.99 %. As I write this while staring at these numbers and how different my family 's future would be like makes me ill. We would have been able to save {$500.00} a month while having access to {$50000.00} from the equity in our home. Instead, we are unable to qualify for a HELOC any longer due to the recklessness and negligence of Home Point Financial. Instead, we are currently working with Home Point on a loan modification. I strongly believe that Home Point Financial needs to held accountable and bear the responsibility for it's mistakes.
10/14/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CO
  • 811XX
Web Older American, Servicemember
In XXXX XX/XX/XXXX I applied for a new lower rate Mtg thru a Broker who does business with Home Point Lending/Mtg. I had to supply the broker with my current Insurance Declaration page information which he had to give to Home Point for the closing. I went to the closing and had no info to compare closing estimates for Insurance and Taxes. I have found that the estimate was off by approximately XXXX shy of the actual Insurance Declaration page info of XXXX which is broken down. I signed this page or initialed it, as a good faith estimate which it was not, had I been able to look over the estimate as well as the Declaration page I wouldn't have signed it as its very easy to see what the values were. So during the start of this loan, they were under charging for Insurance. In approximately XXXX XXXXXXXX XXXX XXXX sent them a renewal notice with Policy info Declaration Pages, the amounts on Page 1 of both the original Declaration page from XXXX and from XXXX have the amounts broken out the very same way it also shows amounts due for my motor vehicles, this is a farm and ranch policy. About XX/XX/XXXX I received a cancelation notice from my Insurance Co for premium not being paid I made a XXXX policy payment with an extra servicing charge to keep the policy in effect, I then called home point to find out what was happening they wanted to state they never received the renewal or policy info and its listed on the clause of loss payee and lists the address in South Carolina. Home Point made over payments of about XXXX in XXXX total amounts paid were about {$2400.00} in XXXX of XXXX. Now in XXXX of XXXX Home Point decided it no longer wanted to service their loans and, They are using a company called " XXXX XXXX '' in XXXX of XXXX this loan was processed to them. I was sent a new Loan number with a new place to send my payments. They never sent the Insurance company any info, address, etc, or contact info. In XX/XX/XXXX I received a letter from the servicing company " XXXX XXXX '' as Home Point Financial Re : escrow dept stating my escrow was short. I called them about this as soon as I received it, I said there must be some error and they said something about a figure which I finally figured out was a total from the bottom of the figures of the listed amounts on the declaration page, ( I told them to get the proper documentation from Home Point they did not ), this included my vehicles which was not their responsibility. They said all they had was a figure Home Point had given them and not actual data or a Declaration page which had all the correct info had they received it, they probably would not have sent me a letter but corrected the mistake internally. I made my XXXX payment as usual a few $ more as usual XXXX, received and processed thru my bank XX/XX/XXXX and they had to have it before that they put it into a hold bin. I made my XXXX payment XXXX + an extra XXXX directly to them electronically XXXX. I have contacted the people at Home Point directly and thought I had someone actually working on this " XXXX XXXX '' he received my XXXX andXXXX Declaration pages photo copies by me via e mail, and it has been transferred to their enterprise customer service team. I called today XXXX after no responses I was told it would take a minimum of 10-30 days I'm assuming business days. I've also gone thru XXXX XXXX and also had no responses " My Home Point Servicing '' and got a XXXX XXXX on it but they seem to be more interested in getting the overpayments from the insurance company vs fixing the issue and Ive had no contact back from her after sending my XXXX XXXX Page 1 and my XXXX XXXX page page 1 which shows the actual premium due for the property insurance. They really don't care about the customer or fixing their errors just sending out letters I received a cert letter today stating my loan was delinquent. These are gross errors and were easily noticeable had people actually looked at and paid attention to the details which they did not, and the errors are totally their responsibility and financial problems.
10/08/2020 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • DC
  • 20009
Web
I am currently under contract on a 4 unit multifamily property in a high desirable area in Washington DC. My wife and I are currently living in my wife 's condo she owned before we were married temporarily as we just sold our townhome. I applied to Home Point Financial around XX/XX/XXXX for an FHA loan at an offered 2.25 % interest rate, with 5 % down. We did not complete the package until some time later after getting a contract signed for the property, but was completed around XX/XX/XXXX and we awaited further instruction. On XX/XX/XXXX, we were informed by email that our file had been approved by underwriting and they will reach out with anything needed further toward closing. We did not hear anything at all for several days and decided finally on XX/XX/XXXX to check in on things. It became clear that the processing department had not done anything and now immediately needed several more documents from us. The underwriter requested many of the documents already provided to include mortgage statements of our other properties ( all conventional loans ), tax returns, HOA information, etc. They also requested we provide a Motivation Letter to explain why we were moving out of our condo that we " just purchased. '' We clarified that my wife has owned this property since 2017 and the recent move was temporary. On XX/XX/XXXX, we were informed that the head underwriter reviewed the appraisal of the property and unfortunately would not approve the loan as a primary residence. They offered an investment loan at 20 % down at 3.625 % and XXXX point. The explanation was : " The borrowers are moving into a 4 family home in need of great repair while moving out from a high end condo that they just moved into 6 months ago. Prior to that the borrowers lived in another very nice townhome. The current residence is closer to the borrower 's job then ( than ) the subject property as well. The appraisal made it so much worse. The unit is smaller and far less desirable. The finishes of the condo are too superior to support owner occupancy. We will not be moving forward with this as FHA owner occupied. '' We responded with a letter explaining the many errors in that assessment, to include that I would be 1 ) cutting my commute in half ( and my wife 's ), 2 ) well aware that the finishes need work but the area is MUCH more desirable and this was to be a property we would make beautiful and 3 ) we 100 % intend to live in the unit as we already contacted architects to write up plans to expand and renovate the property. The response to this letter was simply this : " None of the information of documentation supports a reasonable belief that they will be occupying the subject as their primary. '' I would be more than happy to provide the letter that indeed supports a very reasonable belief that we would occupy the subject as primary. I want to make it clear that there are absolutely no other reasonable justifications to have denied our loan ; our credit scores and history are flawless and we make more than enough to support the mortgage. The FHA loan, to my understanding, is for situations exactly as this. It doesn't make sense to me that the finishes of the property preclude me from being able to purchase? Mind you, the inspections and appraisal proved that the property meets all required safety standards. By their assessment, I should ONLY buy homes with luxury finishes? I'm baffled by this assessment and extremely disappointed that a property with this potential will go to someone else that can afford the 20 % down or better. I am aware I have no proof of discrimination ; but to be clear, my first name is XXXX and always gives pause when I am faced with baffling denials as I have worked extremely hard for my credit score and financial standing to take part in what should be a fair system. This reeks of a weak excuse to deny my otherwise very strong application. I am more than willing to provide any other supporting documentation and correspondence for the above. Thank you.
06/23/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • PA
  • 18974
Web Servicemember
We closed on a new construction XX/XX/XXXX. Our loan was immediately sold to HomePoint Financial and the first payments made to them XX/XX/XXXX. I received a real estate tax bill early XXXX and paid it immediately myself because I hadn't received any correspondence from HPF and was concerned they wouldn't be able to pay it on time, but they later paid it in XXXX and I was refunded. I received 2 bills on XX/XX/XXXX ( {$680.00} & {$5200.00} due on XX/XX/XXXX ) and immediately faxed it to HPF, confirming verbally several days later that it had been received by the appropriate department and would be paid. I heard nothing from them going forward. In late XXXX of XXXX I received a delinquent tax notice with penalty for those 2 bills. I spoke with the tax collector at the time, XXXX, who informed me she hadn't had any communication with HPF regarding those bills and suggested I speak with them about it, so I did. I faxed the forms to them again & repeatedly called over the next few months until I finally spoke with a supervisor, XXXX XXXX, on XX/XX/XXXX who asked me to email him the bills and he would see that it was handled. It was paid on XX/XX/XXXX in the amount of {$770.00} & {$5900.00} plus 2 additional {$10.00} charges, which I am told by XXXX are standard charge for a duplicate bill ( to be clear, they had been faxed and emailed to HPF multiple times so there was no need to request additional copies & thereby charge me for them as well ). I emailed XXXX XXXX XX/XX/XXXX as soon as I was able to see the charges on my statement to clarify why I had been charged the penalty by HPF as I had given them plenty of notice to pay on time. I received no reply, I attempted to call him several times and received no answer, not even to a voicemail on his direct line. I received another letter from HPF stating they hadn't been able to get coverage confirmation my homeowners insurance either so I decided it was time to call yet again for both issues ( I called my insurance company first & was told they received no communications from HPF either ). I called HPF today & was told they received the coverage information sent hours earlier from XXXX XXXX XXXX and would work on it, I was then transferred to XXXX XXXX again, a supervisor, who proceeded to tell me first that the reason my taxes weren't paid was that the company doesn't pay interim tax bills, I questioned him why I wasn't notified of this when I sent the bill and he then placed the blame on my realtor and closing agents for not informing me that they aren't paid via escrow ( I informed him that this was the exact opposite of what they told me at closing as well as the fact that if this was the case HPF should have notified me they wouldn't be paying it when I originally faxed it in XX/XX/XXXX ). He then proceeded to tell me that he has extensive communication logs with my township in XXXX stating that they told him that all of my bills were paid and there was no outstanding balance. I probed XXXX XXXX further and he was unable to give me the name of an agent at the township who told him this in his extensive records, nor was he able to tell me the correct dollar amount of the exact bills that were discussed ( he quoted me an amount of {$600.00} which doesn't correspond with any of my bills ). This is the first time in numerous communications with XXXX XXXX and other agents at HPF that they mentioned there had been any correspondence with the township in XXXX and can not give me details of the conversations that they claim were extensively documented. At this point i recognized a pattern of lies from HPF claiming they contacted other agents to conduct business but none of those companies seem to have any records of that. Both XXXX with the township and XXXX XXXX claim they received no correspondence from HPF. XXXX XXXX refuses to refund my {$740.00} in penalties and duplicate bill charges to my escrow account. I have contacted XXXX and will continue to work with her as well to resolve the issue.
07/19/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30033
Web
Beginning on XX/XX/XXXX, I began reaching out to my mortgage company, HomePoint Financial, to inquire about the removal of PMI from my account. After several phone calls to the customer service team yielded a number of different answers, I started an email dialogue that lasted several weeks and bounced me around to several different departments. While I received an initial response from the insurance department on XX/XX/XXXX, I was re-directed to their general customer service e-mail ( Wecare - the irony of this name grows daily ). I never received an official response from the Wecare team, despite having records of the connecting email sent from the initial insurance department contact. Despite my repeated follow ups, I heard nothing. On XX/XX/XXXX, I finally received an email form the Wecare team with a general instruction to visit their website or to call their service line during business hours. Literally a month had passed and they asked me to follow up on-line or over the phone. Needless to say, I was furious and reached out immediately. I was able to speak with management that day and was promised a better response and got on the following day. It was an encrypted message with detailed information about the various ways I could remove PMI and the LTV numbers I would need to reach for that to happen. Most interestingly, the appraisal method, which I had been pursuing from the start had the following directions " To request a full appraisal you must complete 24 months of payment history with Home Point Financial and pay for a full appraisal. Our records reflect you have made a total of 32 payments. Once you are ready to request PMI removal please send a written request through XXXX or to the address below. '' Left out was any information as to the price of the full appraisal!!! Meaning I would have to again seek out customer service to get this information. Herein lies another major problem, the customer service department available over the phone can not speak for or provide any sort of detailed information about the PMI process, since this is its own department. When you ask to speak with customer service in the PMI department, I am consistently told that they do not accept calls and the ONLY avenue for communication is through email. It takes an additional encrypted message on XX/XX/XXXX to inform me that the appraisal costs {$470.00}, a number I was not able to pay at that point. Choosing instead to wait until the XXXX home-buying season to pay this amount and send a request. Fast forward to XX/XX/XXXX, as I begin to ready for the request for an appraisal and the hopefully end to this PMI saga. I call the customer service line on Tuesday, XX/XX/XXXX to confirm that the amount for appraisal is still {$470.00} and the mailing address for PMI removal requests that I was sent close to one year earlier. Once again, I am told that any questions meant for the PMI department must be directed at them through email communication. While I try to assure them I am just simply looking for confirmation of any existing set of facts with their company, I am told it would be better to confirm directly with the PMI department. I send an email that day ( XX/XX/XXXX ) to the PMI team and follow up after 24 and 48 hours of no response. On the third day I call the customer service line and am dismissively told that that department has a 5-7 business day response time on all communication. I ask for another way to resolve the issue and get an answer but am told there is nothing else they can do for me and that I must wait for the PMI to respond. When I see I have not yet heard from them this morning, I reach out to the customer service line. While they apologize for the inconvenience and promise to connect with a supervisor in that department, I am told they will follow up on Monday with a response. This seems completely disrespectful and inappropriate given the companies consistent failure to meet communication deadlines.
10/28/2022 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
  • Investigation took more than 30 days
  • MA
  • 01844
Web
In XX/XX/XXXX, my wife and I received a letter from Homepoint Financial regarding the XX/XX/XXXX payment not being received. To our shock, we checked out records and confirmed that the check has not been cashed although it was sent via USPS mail as usual on time. The conclusion we got was that the USPS had lost the check. Immediately after receiving the letter about the missing payment, my wife and I rushed to set up an online account to allow for automatic payments to be processed so this doesn't ever happen again. Here 's the timeline of events that occurred : XXXX. XX/XX/XXXX We were charged a late Fee of {$39.00} XXXX. XX/XX/XXXX A letter was received regarding the XXXX payment being missing XXXX. XX/XX/XXXX a payment by phone in the amount of {$1200.00} was made for the month of XXXX and an additional payment in the amount of {$1200.00} was made for the month of XXXX. XXXX. XX/XX/XXXX An online account was set up to allow for automatic payments to prevent any delays going forward. additionally, the XX/XX/XXXX payment was processed in advance. Homepoint Financial Customer service was contacted to confirm payments were received and that no impact to our credit will take place due to late payment received. XXXX. XX/XX/XXXX Homepoint Customer Service was contacted again to ensure that no credit damage will take place and confirmed no credit reporting will take place due to late payment received after explaining the lost check in the mail situation. XXXX. XX/XX/XXXX Credit reporting alerted my wife and myself that both of our credit scores have dropped significantly due to a " Delinquent Payment '' received by Homepoint Financial. We call Homepoint Financial Customer Service again and they apologized and confirmed that they would look into this and call us back. XXXX. XX/XX/XXXX After waiting a while and not hearing anything back, we submitted a letter to Homepoint Financial to explain our situation and try to reconcile what has happened in an attempt to reverse the severe damage that they've done to our credit and how that was going to hinder us from starting our XXXX XXXXXXXX XXXX that was in planning. XXXX. XX/XX/XXXX We received a letter from Homepoint Financial ignoring our request for reversing reporting and they simply claimed " Homepoint Financial does not provide courtesy corrections '' and told us to call our creditors. XXXX. XX/XX/XXXX We called Homepoint Financial Customer service again and they assigned us to specialist to further assist us with our request to fix the reporting. This person was very unresponsive to call and voicemails and only got back to XXXX weeks later to inform us that they're not aware of any reporting to our credit. XXXX has been purchased by another company during this time and the account numbers were updated. This situation was explained to the XXXX and they looked further into it. XX/XX/XXXX An email from Homepoint Financial customer service specialist stated the following : " Good afternoon, Thank you for your patience while we researched your credit concern. We reviewed your concern regarding the credit and we will not be adjusting the credit reporting. We made attempt back in XXXX to make contact with you to make you aware that we did not receive the payment. I deeply apologize we are not able to make a courtesy adjustment for the credit reporting. Warm regards, XXXX ''. Summary : No calls, voicemails or emails were ever received to alert us that a payment had not been received back in XXXX. After months and months of false hope to fix the damage done to our credit, Homepoint Financial seems like they could care less about any resolution that would help their customers. They claim to put their customers first and from this experience, we clearly determined that it's a marketing slogan and nothing more than that. We need resolution. Please help!
02/12/2021 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • OH
  • 431XX
Web Servicemember
In XX/XX/XXXX, I initiated a request to my existing mortgage company to refinance my 30 year VA loan into a 15 year Conventional loan. I received a phone call from a representative who left a voicemail as I was unable to answer the call. I returned the call a couple of days later and never received a call back. On XX/XX/XXXX, XXXX XXXX with Homepoint contacted me to ask if anyone had followed up on my request to which I responded him. We discussed what I wanted to do and he took my application and started the process. He did advise me that refinance 's were taking longer than usual due to the Covid pandemic and that it may take a couple of months to get completed. On XX/XX/XXXX, XXXX sent me an email quoting me a 15 year mortgage at 2.75 % with about XXXX in closing costs and that an appraisal waiver had been approved. That same evening, we locked the rate and the only documentation he requested was a subordination from our 2nd mortgage and e-signatures on the disclosures. On XX/XX/XXXX, XXXX reached out again to ask for an insurance declaration page as the one on file had expired. I responded with the document that day. On XX/XX/XXXX, I sent XXXX a copy of our 2nd mortgage statement for them to request the subordination. On XX/XX/XXXX, I received an email from XXXX XXXX asking for our government issued ID 's. I completed the request within a day or two. In XXXX, I left a voicemail for XXXX explaining my frustration with how long this process is taking and that I wanted a call from a supervisor. Someone claiming to be a supervisor called and left a voicemail explaining that things were slow but left no call back number for me to call her back. At this time, my file was transferred to a new loan processor named XXXX XXXX. On XX/XX/XXXX, XXXX reached out to me and asked for a status on the 2nd mortgage subordination as that was the only thing we were waiting on to close. I called her to discuss as I thought they were handling this request. I called my mortgage company to get the process going which required Homepoint to submit the request and pay a {$250.00} fee. Once the request was received, it would take seven days to process. On XX/XX/XXXX, XXXX called and left a voicemail that underwriting could not read my spouse government issued id and they needed a copy of her XXXX XXXX. The documents were emailed on XX/XX/XXXX. On XX/XX/XXXX, I emailed XXXX asking for a status as I had received a payoff statement from Homepoint and we were pushing up against the good through date. Again, I expressed my frustration with how long this was taking. I never received a response from XXXX. On XX/XX/XXXX, I sent another email to XXXX expressing my frustration and explaining that Homepoint has negatively affected my credit standing with multiple inquires on my credit report along with costing me thousands of dollars in interest by not getting this refinance closed timely. I asked for a supervisor to call me with a set timeline for when the refinance will close. I also threatened a CFPB and XXXX XXXX XXXX complaint if I did not hear from anyone. On XX/XX/XXXX, I received an email from XXXX XXXX that my file had now been sent to her for processing and that nothing was needed from me but that she was waiting on updated internal documents. She said once received, the file would be sent to an underwriter for final review. I promptly responded to XXXX that I wanted a supervisor to call me, as I requested in my email to XXXX. I also told her I want a set timeline for closing. As of today, XX/XX/XXXX, XXXX has not responded to my email and I have not received a call from anyone at HomePoint. At this point, I have no idea what costs I will be charged, what interest rate I will be getting, and I want to know how Homepoint plans to compensate me for the additional interest I have paid due to the excessive delays.
05/25/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • 804XX
Web
To whom it may concern, I am having some troubling issues with my mortgage company, Home Point Financial, in which I feel I have been taken. There are two complaints with this same company. The first I will address is that the lender has charged me five months of interest that the mortgage company had absolutely no right to collect. Ten months after I purchased my home with a mortgage from HomePoint Financial, my home was a complete loss, along with everything I own, to the East Troublesome Fire on XX/XX/XXXX. The mortgage received {$190000.00} including a letter for instruction to pay toward the principal on or around XXXX XXXX, of XXXX, which was the initial 50 % of the insurance proceeds on the house from XXXX XXXX. The initial check from XXXX XXXX did not satisfy the full loan balance and XXXX XXXX had refused to take the 50 %. The loan balance was @ {$380000.00}. However, the mortgage agreement specifically allows and states that any principal amounts can be prepaid without penalty. When I called them to get the check applied to the mortgage, ( sometime in early XXXX XXXX the mortgage company lied stating that they had not cashed the check. XXXX XXXX confirmed that the check was cashed on XX/XX/XXXX. As a result of not applying the insurance proceeds to the loan, I have incurred 5 months of interest that should not have been owed, if the check had been applied to the mortgage. As XXXX refused to apply the funds for months and months, so I had to hire an attorney to get XXXX to do what the mortgage agreement clearly spelled out that they had to do. XXXX XXXX had finally applied the 50 % 5 months after the initial attempt of the payment. I would respectfully ask that the 5 months of interest that should not have been invoiced by reimbursed. I would also ask that my attorney fees of {$3300.00} be covered. The second issue is part of my homeowners insurance that XXXX XXXX is also taking me for. As stated earlier, my home had burned down on XX/XX/XXXX. The day after the fire, I made a claim with my insurance company and had also cancelled my homeowners ' insurance, as it was a total loss and there was nothing to cover. I had then, in early XXXX of XXXX, received a letter from Home Point financial Stating that they needed to receive insurance information for the property and that XXXX XXXX will be purchasing insurance at my expense. I had immediately called Home Point Financial upon receiving this letter, and spoke with a person named XXXX XXXX. He had cleared up this particular issue and assured me that the insurance would once again be cancelled. XX/XX/XXXX I was charged {$3600.00} for homeowners ' insurance that XXXX XXXX had purchased at my expense. I spoke with HomePoint again recently, XX/XX/XXXX, to try and get to the bottom of this. I was then told by XXXX that I would get a refund for this money if I had liability insurance. This is something I was certainly not aware of this entire time, otherwise I would have purchased liability insurance the day after the fire. Although, upon further research, I have learned that my renter 's insurance has liability insurance that covers any properties that I own, which I have had since XXXX of XXXX. On XX/XX/XXXX, I spoke with Home Point Financial again and showed them my renters ' policy with the liability insurance. I was then told by XXXX XXXX that this was not what they were looking for and that they needed to look in to it and get back with me in XXXX XXXX. The problem here is, I do not believe them. They have lied to me before and I believe they will again. I have not had any sort of response as of today, XXXX, XXXX, XXXX, XXXX well over XXXX XXXX ) I feel that Home Point Financial needs do the right thing and I want HomePoint to refund the premiums that they wrongly charged me. Thank you for your time. Sincerely, XXXX XXXX
02/21/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • NV
  • 89119
Web Servicemember
Dear Sir or Madam, My name is XXXX XXXX XXXX and last year on XX/XX/XXXX, I took out a VA home loan with Homepoint for the amount of {$620000.00} ( Loan number # XXXX ). Shortly after that I ran into financial difficulties and have applied for the COVID-19 forbearance. I have entered the COVID-19 Forbearance protection plan for almost a year now. My forbearance will end in a few days on XX/XX/XXXX of this year. I have contacted the bank numerous times regarding the end of forbearance options, and I felt discouraged and discriminated by the bank. On XX/XX/XXXX, I spoke to their service representative in the Loss Mitigation Department. The call with her was very unpleasant to say the least. She exhibited a tone of hostility and condescending. Numerous times in our conversation, the Homepoint representative made it a point to emphasis that the bank has no reason to help me. Homepoint, she said, is in the making money business, not the helping people business. And numerous times in our conversation I was told that the bank will only help me if the bank has something financial gain. The representative also discouraged me from owning my home. I was informed that owning a home does not make sense and renting is a much better option for me. I could hardly believe my ears. Like a Sunday fire-and-brimstone preacher, she made me feel small and unworthy to be in the grace of Homepoint. I ended up feeling I should be thankful, because it is due to her saving grace, not my feeble attempts that I might reach financial salvation. At the end of the call, I felt as if I should just let it all go. I asked myself repretedly, what is the point? It just seems that to Homepoint, home ownership is not something for minors or people that get tangled in financial trouble. I have emailed and call Homepoint, but to no avail. Furthermore, they deny anything of this nature even occurred. They also refuse to provide me with a copy of said call. After exhausting all my options with Homepoint, I have made a complaint to the Consumer Financial Protection Bureau regarding said discrimination. In response I received a letter, dated XX/XX/XXXX, signed by XXXX XXXX of the Customer Experience team. XXXX XXXX claims there was no misconduct and no discrimination while refusing to release said conversation without a court order. If it was only this representative, I would have, perhaps, dismissed it. However, it seems a systematic issue at Homepoint. It is not the first time I felt hostility and even received conflicting information from Homepoints representatives. Previously, I was told by a representative, that the extension to my deferment ( Special Deferment ) has been approved by home point, only later to be contradicted by XXXX XXXX. And as before, the tone of the conversation was not very pleasant. I can not even begin to describe how dismayed and dishearten I am from the treatment I received from Homepoint and their representatives. This is a classic example of Big Money blatantly abusing their power at the expense of the weaker segments of the population. I feel that Homepoints demand that I brandish a court warrant in order to receive a copy of a call I was part of imposes an unfair hardship. Instead of cooperation, Homepoint places blocks and barricades. Instead of building bridges to the community, Homepoint circles the limos. They perpetrate injustices in broad day light and with impunity. It is a good ol boys club that does not believe home ownership is for ethnic or racial minorities. I urge the CFBP to investigate my case, hold Homepoint accountable for their unethical, and make sure Homepoint offers me a fair payment agreement for the forbearance amount. Homepoint made me feel unimportant, unheard and voiceless. I count on you to be my voice, to be the voice for justice. Very respectfully, XXXX XXXX
11/28/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • VA
  • 22630
Web
I lost my job of 18 years in XX/XX/XXXX, due to no negligence of my own and to this day am still in an on going battle with the XXXX XXXX XXXX who I was employed by. I was able to keep up my payments through XX/XX/XXXX. Once I realized I would not be able to pay XX/XX/XXXX I notified Home Point Financial to let them know. I was told that they could not help me until I was at least one month behind. They then, started contacting me about no payment by the end of XX/XX/XXXX. I then called them again and explained what was going on. I also explained I was trying to get a job and this would be temporary. They then send me a package to fill out. I did everything I was supposed to, sent them all information asked of me. Also, I will add, that I have never been late, let alone, missed a payment in the entire time I have had the loan. Once my package was in, some time passed and I was asked to supply more information, which I did. More time passed and then I receive a letter stating they have dropped the mitigation because I did not comply with getting them the information they asked for by the date specified. I have the email with all the information they asked for and the email shows the date I sent it all back to them and I was in compliance. I tried numerous times to call them. I was told I needed to speak with " XXXX '' and there was always a reason he could not speak with me. Finally I got a manager involved and XXXX called me back. I informed XXXX that I had everything in on time and everything that was asked for. He told me I did not include an offer letter. I was not working and was unable to produce that for one, and for two, they never once asked me for an offer letter. I have all of their letters they sent me, none ask for that. Once I cornered XXXX, he admitted that the letter did not state I needed to provide an offer letter. Also, they asked for pay stubs, and not only did I tell them in the package I turned in that I was not working and could not produce those, I told them again in the email when I sent them the second set of information they asked for. XXXX sent me another package to complete and at this point, I had gotten a job. I told XXXX over the phone, and again in the new package, that I have XX/XX/XXXX and XX/XX/XXXX mortgage payments and can keep them up from there on, and all I need is for them to work with me on the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments. I want to keep my house. I received a letter in mid XXXX asking for 2 months worth of bank statements, which I already gave them in XX/XX/XXXX, my XX/XX/XXXX Tax Returns which I have given them 2 times before, and they also wanted a signed and dated letter explaining the deposits in my account that were not from payroll. I am to have that all to them by XX/XX/XXXX. I sent them everything yesterday, XX/XX/XXXX. I also, in my email to them, explained that this will be the third time they have asked for and received my XX/XX/XXXX Tax Returns and if there is something specific they are looking for to please let me know as I would like to get this all cleared up. In the mean time, they have sent someone out to do an inspection of the outside of my house. I am really trying to keep my house and would like help rectifying this. They call me and when I take their calls or call them back, the person on the phone can't help me. I asked XXXX in our phone conversation to please contact me through email if he needs anything and he specifically said he would, although that still has not happened. I'm not sure what to do from here, they will not talk to me. When I email them, I get nothing back! They will not take the payments I have, so it's making it look like I am almost 6 months behind, but in reality I am 3 months behind and really trying to get this taken care of! Please help!
08/10/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • IL
  • 60504
Web
XX/XX/XXXX Recorded incorrect SSN for co-signer and relayed this to LO. LO said he would let his team know. XX/XX/XXXX - LO stated we 'd be able to close Monday or Tuesday ( XX/XX/XXXX or XX/XX/XXXX ) if they received the title from sellers attorney. XX/XX/XXXX LO said they need more title documents from the XXXX 's attorney. XX/XX/XXXX said we now wouldnt be able to close by XX/XX/XXXX due to not receiving documents. This is contrary to our last response and multiple phone calls saying they have everything they need but title. XX/XX/XXXX We missed this closing date even with countless affirmations that this date would be hit. The delays were never with getting the lender information but always communication back from the lender and late requests. XX/XX/XXXX Received closing disclosure but it was sent incomplete. They did not send Closing Disclosure for my father to sign. We caught this error and the processor said they would have to send it the following day but confirmed that if my dad signed it the following day then we could still close by Monday XX/XX/XXXX XX/XX/XXXX XXXX CST- Requested 4 additional documents needed before closing scheduled on next business day. XX/XX/XXXX 2 hours before closing - Processor said they needed me to pull my father 's XXXX transcripts on irs.gov. After attempting to meet their requests by setting up an online account we confirmed that we would not be able to get transcripts for 5-10 business days. 1.5 hours to closing - I called the Processor to let him know I could not obtain the transcripts today and verify this was truly required for closing. He let me know since the SSN was entered incorrectly on the XXXX a few weeks prior, the transcript request failed. This was infuriating since we let our LO know 2 weeks prior that the SSN was incorrect and asked specifically if an updated one needed to be sent. 1 hour before closing - The lawyers on both sides of the transaction and the title company are not confident we can get the transcript sent from the IRS same day and due to not receiving the package yet. This is sent 21 min before closing and contains 3 errors my lawyer found within 10 minutes of review. The other parties ( lawyers and title company ) opted to reschedule the closing for the day after tomorrow after coming to agreement that the lender we are using is grossly incompetent. After contacting the IRS via the number the processor provided I was given the same 5-10 day lead time to receive the transcript. I called the Processor to relay this information but he did not answer, address my message, or return my call. EOB - After a few hours with no response I follow-up with an email stating how unprofessional this was and if it is truly necessary to hold up closing. The processor responds that now he will ask mgmt. if it is necessary. Throughout this debacle the processor never apologizes or shows any empathy. By the afternoon of XX/XX/XXXX there is still no response from a manager. The new closing date, XXXX on XX/XX/XXXX, needed to be cancelled again even though the processor agreed to the date on XX/XX/XXXX. With these delays, our rate lock expired ( on XX/XX/XXXX ) and according to the LO we would be charged $ XXXX/ day to extend this rate. We heard back from a manager on XX/XX/XXXX but he was unable to ensure we close without the transcripts. I requested compensation for the costs of my out of pocket costs ( the credit checks and appraisal ). He was not able to give me and answer and promised a call back the next day. As of XX/XX/XXXX we have not heard back and given our experience with this company I doubt well receive one. We have been forced to go with another option to close or else risk additional costs, loss of wages for additional closing dates, and the deal falling through.
01/21/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NH
  • 03103
Web
In XXXX of XXXX the FBI had sent me an email saying they had questions regarding my mortgage company, which to my knowledge and all paperwork was Home Point Financial. The FBI agent then came to my house unannounced looking for specific documentations including ; mortgage statements, and bank statements. she then informed me that a company named XXXX is under investigation and they are the subsidiary of my loan. They are being investigated under the pretense of false fees, missing payments and other wrong doings. When I called my mortgage company telling them about the FBI involvement they told me that they are in no way involved with XXXX and I was mistaken. From here my payments started coming out of my account then put back in by the company and then taken out two weeks later making it look like my loan was a month behind, but this was not my fault. I then started a repayment plan with Home Point FinancialXXXX in XX/XX/XXXX of which I was paying properly. In XXXX of XXXX I attempted to call and make a payment per our agreement only to be told that my loan was transferred to Home Point Financial Corp and they do not have my records as of yet and can not endorse a repayment plan with out the paperwork. The only options they gave me was to pay two months in full or start a Loss Mitigation Packet. I continued to call through XXXX and XXXX while starting a Loss Mitigation packet per Home Point Financial Corp recommendations. I have been working on this packet since then only to be told we are missing paperwork. I send in the paperwork and then am told my packet was closed. Out of concern I tried speaking to the person who was in charge of my packet in the Loss Mitigation department but only received one voicemail XX/XX/XXXX. I have sent over 7 packets in the XX/XX/XXXX - XX/XX/XXXX time frame. While looking at my bank account I noticed a payment was taken in XX/XX/XXXX and called Home Point Financial Corp to see if they had received this payment, which would be unusual since they said I was unable to make a single payment. They said there is no record of this payment and recommended I called my bank and former loan servicer XXXX. XXXX XXXX XXXX was able to confirm the payment was taken and received by Home Point Financial. I then called XXXX from the number I was given and I got a Home Point Financial answering service. They attempted at locate my file only to tell me they have record of me existing at this company whom just transferred my back in XX/XX/XXXX. I call Home Point Financial Corp close to twice a week and on XXXX XXXX I called to get an update on my Loss Mitigation pack and was told due to missing paperwork it was yet again tossed aside. I insisted to talk to a Loss Mitigation manager but had to settle for the collections manager. I explained what has been going on and he understood that it was not fair. He advised me to send in another Loss Mitigation packet and wait for that one to be submitted. On XX/XX/XXXX I called to check if there needed to be more paperwork sent in to complete the newest packet only to be told I was now put into the beginning process of foreclosure. I panicked and insisted I again speak to the one person from Loss Mitigation department. Again this was not possible so I spoke with a manager rom collections. This person again told me to send in another packet and to submit a claim here. I am at my wits end with dealing with this company. No matter how many times I call I get the run around where no one cares about my home.
04/06/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94598
Web Older American
I refinanced my mortgage with home point financial and specifically asked for my note to NOT be sold, especially to XXXX XXXX XXXX since they are the most corrupt and inefficient company that targets screwing up customer credit scores deliberately, causing a lot of stress and anxiety to their customers. I have always paid my mortgage on autopay and not once was they payment not made. Home point financial said they would escalate this request so they could get me to sign the loan documents. I found out only 2 days ago that Home Point Financial sold my loan to XXXX XXXX XXXX XX/XX/XXXX with NO notification to me my mailing address since XXXX. The way I found out was because my tenant forwarded letters received at the property for the mortgaged property, located 8 hours away by car from my residence. I received those letters on XX/XX/XXXX. I never received notification about the sale from Home Point Financial or XXXX XXXX XXXX in the 2 months the note was transferred. Not even a " heads up '' that this transfer was going to take place. I immediately called XXXX XXXX service on XX/XX/XXXX and they confirmed they had the wrong mailing address. The customer rep noted the situation and opened a case with their customer advocacy team and transferred me to that number. I left my number for a call back, which never happened. I called back on XX/XX/XXXX opened another case with Customer Advocacy ; the customer rep indicated she made an appointment with that group to call me on XX/XX/XXXX to resolve the situation. No one called and I found out at on that day, the notes said they would not call me. I called XXXX XXXX loss Mitigation department per the number on the letter who was very rude to me, and informed me of fraudulent notes made on my account by Customer Advocacy team that they called me several times since XX/XX/XXXX and left messages. My phone does not have any of the dates and times recorded on the account. I now have a ruined credit report with an XXXX, they won't stop the XXXX clock nor try to confirm with Home Point Financial that they have been receiving the payments to clear my report. Even though I have been paying Home Point Financial the mortgage on time, and they accepted the payment, Home point is not giving me a refund. XXXX XXXX servicing never texted nor sent me an email about me being in default, even though they had that information, and had my mailing address wrong. One would think they would use these communication tools if they really tried to reach someone urgently. In the last 2 days, since I found out my loan was sold to XXXX XXXX, I have called several times to resolve the issue and stop the clock on this Notice of default deadline. XXXX XXXX XXXX customer reps continue to send me to XXXX XXXX XXXX - who do not take my calls, and claim they can not correct the situation. In addition, they XXXX XXXX XXXX XXXX reps updated my account system notes with fraudulent messages indicating they left me messages on my cell phone and have unsuccessfully tried to reach me. When I asked the customer service rep to find out why they are not returning my calls, they indicated the only note on the account is that they will not call me to correct the situation. Something is very corrupt here. You should get the recorded calls. It seems they are aware I am a XXXX XXXX and trying to find a means to take over my property that has equity with corrupt tactics.
01/06/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • NV
  • 89119
Web Servicemember
Dear Sir or Madam, Thank you for reviewing my complaint and giving me the tools to better solve my difficulty with my mortgage lender. My name is ( Left blank per instructions ), and last year on XX/XX/XXXX, I took out a XXXX XXXX loan with Homepoint for the amount of ( Left blank per instructions ) ( Loan number # Left blank per instructions ). Shortly after that I ran into financial difficulties. I have entered the COVID-19 Forbearance protection plan for almost a year now. During the time of the forbearance, I was able to make one payment to the bank. My forbearance is almost at the end, and I have been in contact with the bank regarding my options. The bank presented me these options : 1 ) Pay the delinquent amount of {$31000.00} in full. 2 ) Pay the delinquent amount of {$31000.00} over a year in ADDITION to my regular mortgage payment which will cause the monthly payments to rise to an astonishing amount of about {$6000.00} a month. 3 ) Loan modification, which means refinancing the loan in today 's interest rates of 6 % -7 %. This will create a large increase in payments as the current interest rate on it is 3.5 %. 4 ) Partial claim where part or all of the delinquent amount is added as a lien to the loan to be paid when the house is refinanced, sold, or is due at the end of the loan. Out of all options, the only one that is financially feasible for me is the Partial Claim option. However, in order for the bank to even review that option they make some unreasonable requests. Some of them are, a profit and lost statement done by a XXXX. As everyone knows, XXXX charge per the hour, and are very expensive. To ask a person suffering a financial hardship to pay for a XXXX is like asking a person on unemployment to pay a potential employer for a job interviews. I have discussed this matter with the bank. However, the bank is not very helpful to say the least, and even was rude, discriminatory and dismissive. On XX/XX/XXXX, I spoke to their service representative in the Loss Mitigation Department. She informed me that the bank will only help me if they get something out of it, since the bank is not in the helping people business. The representative also told me that she thinks owning a home does not make sense and renting is a much better option and gave me the feeling that I must be a fool for wanting to hold on to my home. Needless to say, I was feeling dismayed and dishearten from the treatment I received by the company. The corporate atmosphere of Homepoint is permeated with a strong top-down corporate culture of discrimination, abuse, and cover-up. For Homepoint the homeowner is a basically a profit pinata, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm sure I'm not the only homeowner to suffer the callous treatment of the Homepoint bank. I had contacted Homepoint regarding said call and asked for the recording of the call. Not surprisingly Homepoint refused to share a copy with me without a court order. This is a classic example of Big Money blantly abusing their power and authority at the expense of the person in financial difficulty, that does not have a battery of attorneys standing at their disposal or can even afford one. I urge the CFBP to investigate my case and make sure all homeowners are treated fairly, without bias, discrimination. Thank you very much!
04/24/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60510
Web
We have desperately been trying to get Home Point Financial to resolve this problem before our real estate taxes are due! Believing that our XX/XX/ mortgage payment had been lost in the mail ( it had not cleared bank ), we called Home Point Financial on XX/XX/XXXX and asked if they had received our check to which they replied that " no, they had not received it ''. We then made a duplicate electronic payment through our bank. The very next day, the original check cleared resulting in a duplicate payment. We contacted Home Point and they said that if we faxed them a copy of our banking activity which showed that both the check and electronic payment had cleared, they would reimburse us for the double payment in 5 business days. We faxed the bank proof on XX/XX/XXXX. Home Point did not issue a check to reimburse for the double payment as promised. Instead, they applied the additional escrow portion of the double payment to our escrow balance ( increasing escrow balance ) and applied the additional principle amount to our principle balance ( reducing the principle amount to be paid off ). Where the interest portion, {$610.00}, of this duplicate XX/XX/ payment went is a mystery to me. Home Point claims it went to the payoff which is ridiculous since they were only owed 2 days of per diem due to our refinancing of the loan with a new lender onXX/XX/XXXX. ( We refinanced the loan with a new lender on XX/XX/XXXX and Home Point was wired payoff funds onXX/XX/XXXX ). The amount of the payoff funds that they received was {$190000.00} although the remaining principle balance was only {$190000.00}. The difference after applying the release fee of {$57.00} and 2 days (XX/XX/XXXX settlement ) of per diem of {$20.00} x 2 days is {$470.00} which was also owed to us by Home Point. We filed two separate complaints prior to this one, and as a result have finally received our escrow balance, and a refund of the overpayment of our payoff. However, we have not received a refund of the interest portion of the XX/XX/2018 duplicate payment ( approx. {$610.00} ) Home Point claimed in their response to complaint no. XXXX that the payoff statement from ourXX/XX/XXXX refinance was reduced by this interest amount, but that is a false statement. They were paid in full plus some on XX/XX/XXXX and the only interest they are entitled to for XX/XX/2018 is {$40.00} ( already figured in the payoff ). {$610.00} represents a full month of interest for XXXX which Home Point Financial is not entitled to! In summary, we were owed {$3500.00} for Escrow ; we were owed {$470.00} due to the overpayment of the refinance payoff ; and we were owed {$610.00} which was the interest portion of the duplicate XX/XX/2018 payment. This totals {$4600.00} that was owed to us by Home Point. As a result of our filing 2 complaints, we finally received the following checks from Home Point : Check no. XXXX for {$3700.00} ; check no. XXXX for {$240.00} ; and check no. XXXX for {$130.00}. These checks total {$4100.00}. Therefore, we are still owed {$520.00}. Please Home Point, do the math, and then check your math when you respond to this complaint. My next complaint will be to the Illinois Attorney General if this issue is not resolved.
05/04/2022 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
  • UT
  • 840XX
Web
I was just getting my credit repair fixed and was working with XXXX XXXX from XXXX XXXX XXXX so I could later build my business. Apparently, they told me that they would place a home in my name to boost my credit back XX/XX/XXXX, per my recording with XXXX, who worked for XXXX XXXX. The house finally posted around XXXX XXXX, and I was happy that my credit was boosted because of it. However, I was totally unaware of the fraud they did behind the scenes and all I knew was they were simply helping me fix and polish up my credit for funding later, which I never got. Fast forward to XX/XX/XXXX, I realized that XXXX XXXX, who is a family member or wife of XXXX XXXX, who I believe owns the company, wasn't responding. I was not only extremely frustrated, but they left me high and dry with no further communication. I struggled for the first parts of that year and the years before to try to sustain my business for funding, which ended up collapsing XX/XX/XXXX. However, for the rest of XXXX, I didn't think much about it and moved on. Then in XX/XX/XXXX, XXXX XXXX, whom I had NO idea she was in the home, reached out to me and said that she paid the costs and lived in the home the entire time. Unfortunately, this was not only shocking but very bothersome to me, as I thought this was just an " installment loan '' or dummy house they put on my report. I investigated this further and realized that this wasn't just an " installment loan '' XXXX XXXX put on my report, but they committed a CRIME of some sort, which then made sense as to why HUD and the FBI were after XXXX XXXX back then. I recorded 2 conversations with XXXX, one on the XXXX and the other on the XXXX, available upon request to totally prove this is the case. In addition, I was able to talk to the fraud department with XXXX and XXXX and they were able to verify that the house was not mine and took it off my report. XXXX refused and I filed a CFPB report against them and Home Point Financial. Then Home Point responded to me for the first time ever on XX/XX/XXXX via CFPB portal. They still claimed that I paid for, own, and lived in the home this entire time and sent me more documents on XX/XX/XXXX to try to prove I was the buyer. This was when I found out that my signatures were FORGED by XXXX XXXX and that this crime is very serious. Because of this unlawful act on Home Point Financials side, I filed a small claims lawsuit against them on XX/XX/XXXX and am resubmitting this CFPB report to XXXX with these new details. I have paper, audio, and email evidence to disprove Home Point 's claims and court docs, available upon request. In addition, XXXX XXXX are also under national investigation currently and going to court XX/XX/XXXX thanks to HUD and the FBI. I'll have further evidence at that time to prove more about what's going on. Bottom line, I never intended to be involved with these scammers, and just want this home to not only be reassigned to XXXX XXXX, who seems to be defending XXXX about this scheme per the home records and recordings, but also take this home off my reports all together, specifically XXXX. This has caused so much frustration and headache for me and I want this resolved ASAP.
11/21/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 774XX
Web
I updated my Homeowners insurance toward the middle of XXXX to get a bundle and reduce the cost of my auto policy. The effective date shows XX/XX/XXXX. From my understanding, the servicing unit changed to XXXX XXXX effective XXXX. My mortgage is escrowed, so they sent the bill to Hompoint. When the bill was received in XXXX, somehow the bill received was not provided to XXXX XXXX on the transfer and so they are saying they had no record of a bill. The bill went unpaid and the new policy lapsed because of it. I received as the homeowner no notifications of this through the entire process, so I was not aware the policy was in cancelling, nor it had not been paid. I was going on with life thinking I updated my insurance and everything was fine. Around XXXX time frame, I received a letter from Homepoint stating that I needed to fax/email evidence of insurance. I did so using the copy of the policy purchased XX/XX/XXXX. I received a second letter a few weeks later asking for the same information " XXXX and final notice '', this time I called them and found out that this policy had lapsed because of non-payment. This was the first I knew about it, sometime around XXXX timeframe. I immediately called to renew the policy and make updates. Because XXXX XXXX XXXX XXXX will not reissue a policy when it cancels because of non-payment, I had to use a different insurance company, the very best I could find was {$640.00} more expensive. I was upset because this was not my fault. The bill was sent to Homepoint, but was never paid. If there was an issue, there was nothing sent to me notifying of such to allow me to address before it cancelled. The new servicing company, I now know as XXXX XXXX, submitted a " bad debt claim '' to cover the {$640.00} increase as they understood that it was their fault for non-payment and the entire issue. I was to be called XX/XX/XXXX with resolution. No call ever came. I then received another letter from Homepoint XX/XX/XXXX asking for evidence of insurance between XXXX otherwise they would charge me for insurance coverage during that time. I called this morning to understand what this was and also to inquire about the bad debt claim to find out that they denied the claim due to not being responsible prior to XXXX. This morning, they basically said that it wasn't their fault, there was nothing they could do, I will be notified how much the insurance is for the lapsed period ( couldn't give me the price over the phone ) and that my only recourse would be to reach out to the " old servicer. '' Last time I checked, I write the check to Homepoint, so me having to spend literally hours on this now going back and forth between the old servicer and new servicer is crazy to me. I will say the women I spoke with at the " old servicer '' this morning was fantastic. I think she is the first person that understood what had happened. If they charge me for the missing gap of insurance, roughly $ XXXX {$400.00}, then this whole fiasco is going to cost me over {$1000.00} in total. I need some help/guidance on how to get some resolution to this. Thank you! XXXX XXXX XXXX
05/16/2018 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
  • MD
  • 20772
Web
Starting on the evening of Friday, XX/XX/XXXX through Sunday, XX/XX/XXXX I attempted to go online and call Homepoint Financial to make my mortgage payment for XXXX. The online system did not recognize my account number after multiple attempts. The automated system kept looping around and never went to the point where I could choose the option so I could make my payment over the phone. I attempted to reach someone at Homepoint on Saturday XX/XX/XXXX and Sunday, XX/XX/XXXX via phone and sent and email through their website expressing my inability to make my payment online or over the phone. I never received a reply back from Homepoint. Finally one Sunday, XX/XX/XXXX I was able to log on to my account online, but the system kept putting my payment date as XX/XX/XXXX which was incorrect. I did not make my payment at that time since the date was incorrect. I called Homepoint first thing in the morning on XX/XX/XXXX and explained my delemia to and what occurred over the last few days. They explained that they had been closed over the holiday and took my payment over the phone. I was told that unfortunately I would be reported the credit bureaus for having a late payment and that it was my responsibility to know that they were closed over the previous days. I informed them at that time that I would put in writing what occurred so I could have this removed from my credit report since they were having a problem with their system. I monitor my credit on a monthly basis and the next time my credit report was updated it reflected a late payment on my account with Homepoint Financial, so I put in writing what occurred and sent letters to all credit reporting agencies and to Homepoint Financial. I never received a response back from my email or my letter to Homepoint. I did receive a response back form XXXX and XXXX, but I didn't get a response back from XXXX either. XXXX did remove the negative reporting from my credit report but XXXX did not. I call Homepoint to inquire as to why they never responded back to me and they said I needed to send them another letter with a copy of my credit report to them and someone would get back to me. I made a second attempt to contact them to try and resolve the issue over the phone and spoke with XXXX XXXX in the resolution department on Monday XX/XX/XXXX and explained to her what occurred and she said she would speak to her supervisor and explain what occurred and they should remove the negative reporting. She advised me she would call me back within 48 hours. She never called me back so I called her back on XXXX XXXX and left messages, she never returned my calls. On Monday, XX/XX/XXXX I called her back again and she answered the phone and informed me that they were not going to remove the negative reporting from my credit report. During this time I did receive a refund from Homepoint for my late fee in the amount of {$98.00} which I never requested, I only requested for this to be removed from my credit report, I owed them the {$98.00}.
07/12/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MN
  • 55060
Web
In XXXX I began a modification with my mortgage company. The final paperwork for the modification didn't come until XXXX of XXXX. The paperwork required my signature in front of a notary public which I completed. It also had to be within 5 days of receipt, which I also completed. In XXXX of XXXX Homepoint Financial began to refuse my payment saying that the final paperwork for the modification wasn't returned on time. I then had to prove to the that it had in fact been returned and signed for by a XXXX XXXX at their Texas branch. The representative I spoke to about the papers actually having been received said that there would be an investigation and I would hear from her by the following Tuesday at the latest. I never heard back from her again. I then received paperwork saying my loan had been sold, which I thought was odd since I was in the middle of a modification. Then for some reason out of the blue XXXX began accepting my payments again. I then paid for a past due XXXX payment and my XXXX payment. Then suddenly they began to refuse my payment again. So out of fear for losing my home I began the borrowers assistance package and sent out an email to an address that had emailed me in the past from Homepoint. They came back with a repayment plan that almost surpassed my income and was completely unrealistic. They wanted me to pay XXXX a month for XXXX months. I couldn't make those payments and again did yet another borrowers assistance package at the hopes of the repayment plan would doable. They then denied me any option that would allow me and my family to remain in the home. Based on the fact that I had had a previous modification in less than 24 months when in fact it had been denied due to lack of paperwork supposedly. During the modification process I was called on a Friday and told that some of the tax documents that I had submitted wasn't going to be sufficient. I stressed the entire weekend, literally a train wreck all weekend and when I called on Monday I was told All that was needed was in and it looked good. Just an example of how they have added stress and pressure to an already terrible situation. I have been handled terribly and talked down to as if me or my house truly means nothing to any of these people. Their idea of communication is to send a person to knock on your door but not wait for you but instead leave a note on the door and take off. I followed through with my part of the very first forbearance that XXXX is calling a modification. The same modification they denied existed while on the phone with me and my attorney. XXXX has been so all over the place with my mortgage statements, amounts and payments and whenever I call them they always say I have to talk to my case worker and they let me leave a message and my call is never returned. I also did reach out to a counselor with XXXX XXXX XXXX whicj also wasn't able to make heads or tails of what XXXX was doing. Thanks for you help in this matter
02/06/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 78745
Web
On XX/XX/XXXX, I received a tax bill from XXXX XXXX for my XXXX property taxes. The due date was XX/XX/XXXX On XX/XX/XXXX, I noticed that they had not yet been paid and I first contacted Homepoint Financial, the holders of my mortgage, through their customer service number ( XXXX ) XXXX, and over the course of a 29 minute long call, I explained that the property taxes were not paid and that the amount on my escrow account would not be enough to cover them, so I wanted to find a solution to it. I was informed that an internal ticket was generated and the timeframe for resolution was XX/XX/XXXX. On XX/XX/XXXX I checked that the taxes were still not paid, so I contacted Homepoint again through ( XXXX ) XXXX, and was told, over the course of a 44 minute long call that it was still pending. I decided to call the tax department directly through ( XXXX ) XXXX and had to wait for 1 hour and 40 minutes. In this conversation I was again assure that my taxes would be paid. I also requested to be taken off escrow but was denied via a letter a few days later. On XX/XX/XXXX, I received a call from a supervisor from Homepoint. I was unable to pick it up, but I received a voice mail stating that a supervisor was directly working my ticket and would call me back when it was solved. After a week of waiting, I called Homepoint tax department again on XX/XX/XXXX and, through the course of a 10 minute long phone call, was assure that my taxes would be paid and that the payment would be spread out over the year for the difference in escrow balance. On XX/XX/XXXX, the deadline for the tax payment, I made XXXX calls to Homepoint, the longest being 12 minutes, where I was again assured that the check was sent out and that my taxes would be paid. When asked about whose responsibility it'd be to pay for interest and fees, I was told that an internal investigation would take place to determine who was at faul. On XX/XX/XXXX, I was displaced out of my home on account of weather and power outages and received another call from the supervisor from Homepoint I could not pick up. A voice mail was left saying that the check was picked up by XXXX on XX/XX/XXXX and it was held in a XXXX facility but was expected to be delivered by the end of the day. On XX/XX/XXXX, day of writing of this complaint, the XXXX XXXX XXXX website still does not show my bill as paid and has applied a {$840.00} fine to my tax account. With the provided tracking number for XXXX, I was able to see that the check was only actually mailed on XX/XX/XXXX and only delivered today, past even the extended deadline for tax payments. I made another call to Homepoint 's tax department and, through the course of 1hour and 8 minutes, I received no answers or meaningful support as to who would pay the taxes and the fine. I have also requested a copy of all correspondence and phone calls between myself and Homepoint since the beginning of our contract.
06/03/2018 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 282XX
Web
I closed on an FHA mortgage with Home Point Financial on XX/XX/XXXX. I have made every payment on-time and in full each month since closing, including the current payment due XX/XX/XXXX. In early XX/XX/XXXX I was contacted by two separate credit monitoring services I have which alerted me to new negative information on my credit report. Upon investigation I found that Home Point Financial had added two new tradelines to my XXXX credit report ( in addition to the mortgage I hold with them ). The two new tradelines do not represent additional credit I have obtained from the lender, they are the result of a system error by Home Point Servicing. Both of these errant tradelines reported as 120+ days past due. I contacted Home Point Customer Service on XX/XX/XXXX and spoke to XXXX at extension XXXX. She advised that the issue impacted a population of loans and mine was included. She stated she would have a letter sent by close of business on XX/XX/XXXX, confirming the current status of my loan. I did not receive the letter as promised. On XX/XX/XXXX I called Home Point and requested to speak to their Escalations Department and was connected with a Manager named XXXX XXXX explained that credit corrections would be performed no later than XX/XX/XXXX and that I would have my letter of explanation by the end of the day. I received the letter that evening. Credit corrections were made to show the two errant mortgage tradelines as " current ''. These phantom tradelines should be removed, not show as actual, existing tradelines, whether open, closed, paid as agreed or delinquent. Having these tradelines remain on my credit report damages my credit score and creditworthiness as it makes it appear as if I am far more indebted than I actually am. It also alters other key components of the credit scoring algorithm, such as average age of credit, number of new accounts, et cetera. In a further effort to gain resolution, I sent a letter to the CEO of Home Point,, XXXX XXXX XXXX on XX/XX/XXXX. As of this writing no one from his office or the Executive Escalations team has attempted any contact with me. Infuriatingly, on XX/XX/XXXX, I have been informed that Home Point has again reported me as past due. As the attached letter from Home Point will illustrate, this information is completely incorrect. I implore you, as the Enforcement Agency for RESPA to assist me. Having my credit corrected immediately is of particular concern to me. As a XXXX XXXX in the XXXX industry and a XXXX as a XXXX XXXX XXXX under the XXXX XXXX ( XXXX # XXXX ) I am heavily impacted by my credit score. I am currently seeking employment and renewal of my license. Both require a stringent credit check. The current state of my credit assures that I will not pass these background checks. I will be in poverty if I can not accept work soon. All because Home Point can not correct an error completely of their own making.
06/20/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MA
  • 02760
Web
Received a demand letter from the town stating a landfill tax of XXXX plus interest and fees for the mortgage co not paying it - resulted in a XXXX bill. My husband had called the town of XXXX XXXX, ma to ask what it was since hes never seen a bill labeled that in other towns we lived in, and 2. He never saw the initial bill to begin with. The town said we didnt see the bill because it was sent to the mortgage company- they didnt pay it and thus why we saw the demand letter. When my husband called last Thursday, homepoint financial ( the mortgage co ) stated to send the bill over to XXXXXXXXXXXX.XXXX and they would look into it. Never told my husband that it takes up to three days not including weekends to even get the email or the images uploaded. So on Monday at XXXX XXXX est I spoke with a cs rep there who told me they still didnt see any images and that they never saw a bill for the original XXXX for landfill tax. So I told her I found that odd since the town said they sent it out to them. And when they didnt pay thats when we got the demand letter. Town was rude saying there would be a lien if XXXX wasnt paid on XX/XX/XXXX. So the cs rep at homepoint told me to send over the bill again and her supervisor XXXX XXXX @ XXXX would look into it. However she also said it would take 3 days for her supervisor to research it so it was best we paid the bill. She was going to get the bottom of why they supposedly didnt pay that tax bill and 2. The cs rep said they would ask the town why it was labeled something that the town was saying was mislabeled to begin with. They ( the town ) are saying its not a landfill / utility tax that its a tax increase bc all homes in town got recently assessed. I have been waiting on the town collector to clarify why the bill reads wrong. As waste management in the town told my husband on Friday that it was not a landfill /utility tax for waste management. I specifically after finding out how long homepoint was going to take to research this bill of XXXX stated in an email to XXXX XXXX that we were paying it via certified mail as it was due XX/XX/XXXX. She goes ahead and tells me shell research it in email and then pays the town again. I was told by a cs rep that this will increase our mortgage. I never in that email to XXXX stated that they should pay it. I specifically said we were on Monday XX/XX/XXXX. I asked why they ignored it though when the town stated it was sent to them directly previously. No answers to that. Just goes ahead and double pays the town. Now the town is double paid and we are paying twice - once with a check we paid out to them and now because XXXX at homepoint didnt read an email correctly- an increase in the mortgage. Ive asked them to credit the XXXX before legal action is taken and to get their money from the town that they knew we were paying. Still no credit to loan number XXXX.
08/28/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MI
  • 48150
Web
Recently, my mortgage was sold from XXXX XXXX to Home Point Financial ( despite similar names, there is apparently no connection to one another ). After having received notification that my mortgage was sold, I immediately went online to create an account and added the necessary information for automatic, recurring monthly payments to be made. Shortly thereafter, I received a letter from Home Point stating that they had a system glitch which accidentally reported to the credit bureaus that I was late on a mortgage payment. When I called for explanation, I was assured that it was taken care of, and that I would not be negatively affected in any way. Not long after this incident, I started receiving threatening letters claiming that I had neither personal property insurance or insurance for my condominium association at large ( both of which I indeed had ). Upon receiving this letter, I called and was instructed that during the process of aquiring my loan, it was my responsibility to provide proof of insurance. Immediately, I sent the proof of insurance both for myself and for the condominium association ( which was not easy to obtain ). A month later, I received another threatening letter stating that because of my failure to provide proof of insurance ( which I had indeed sent over the month prior ), the mortgage company would purchase insurance on my behalf, which would amount to {$23000.00} annually ( as seen in attached document ). Completely distraught over what I was reading, I called Home Point Financial the same day I received the letter, XX/XX/XXXX, and spoke to an employee whose name is XXXX XXXX ( according to another employee with whom I later spoke ). This employee very rudely and harshly exclaimed that I had not sent over the proper documents ( though it was later confirmed that I did, in fact ), and that she would correct the situation after I re-sent the updated insurance documents. Despite having sent over ( now multiple times ) proof of my personal home owners insurance and proof of the condo insurance policy, on XX/XX/2018, but dated XX/XX/XXXX ( just two days after having spoke to XXXX XXXX and sending once again all applicable documentation ), I received a letter stating that the company went forward with purchasing an insurance policy in the amount of {>= $1,000,000} in my name without any written or oral consent or knowledge on my part ( as seen in attached document ). Once again, I called Home Point financial, this time speaking with an employee named XXXX, who apologized and assured me that this policy, which was taken out in error, would be cancelled. On top of this entire debacle, XXXX informed me that Home Point did not properly notate ( upon purchasing my mortgage ) that my loan is indeed set up for Escrow payments, now causing my property taxes and home owners insurance policy payments to be delinquent.
03/01/2019 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • VA
  • 22193
Web Servicemember
I submitted my endorsed XXXX insurance check, via Priority Mail, on XX/XX/XXXX, for a XX/XX/XXXX follow-up damage claim from a XXXX insurance company required contractor 's failing work. The amount of the check was over $ 20k and the check and documents were submitted in accordance with HomePoint Financial 's ( mortgage company ) instructions. My endorsed check and documents were received by HomePoint on XX/XX/XXXX. However, all the documents needed by HomePoint 's Loss Draft department weren't communicated to me all at once, which further delayed the lengthy processing of issuing a check to my contractor to start extensive repair work. I made numerous attempts in the coming weeks to follow up, via phone ( they wouldn't respond to my secure emails within their website ), on the status of the check being sent to the contractor before I got all the information needed to submit the many pieces of documentation they required to issue a check for less than both the contractor and I requested. The funds were urgently needed to allow my contractor to order materials and schedule me for an extensive repair. Every time I talk to HomePoint Financial, they go through a mechanical checklist with me and treat me like a number they don't care about. Worse than that, their story changes every time I talk to them on the phone. Nobody owns the case or follows through with anything in a timely manner to keep the ball rolling. Last Thursday, the contractor and I had started reaching the end our rope and I requested the Loss Draft department send the check to the contractor by the end of the day. They claimed they would pass the message along to their processor. In reality, the check wasn't sent until Monday, XX/XX/XXXX via untraceable regular mail, which runs contrary to their own guidance to homeowners. So, despite my numerous attempts to follow up and speed up the process so I wouldn't get pushed further down on my contractor 's schedule due to his growing workload, they sent a fully endorsed check to the contractor via regular mail ( I sent it to them with my signature via Priority Mail with tracking per their instructions ). Now the check is missing and they advised me to send it via XXXX or XXXX, I would have to pay for it. The contractor informed me this morning that he can not hold his current opening ( I've already slipped once due to delays caused by HomePoint ) for me if they don't receive the check today. Although I requested half of the check amount per my contractor 's business policy, HomePoint will only send XXXX and mandates imposing a monitored and inspected process to meter out the next two payments of XXXX each. HomePoint will not issue the remaining funds unless they inspect the contractor 's work 2 more times. So, I have to miss work and make arrangements for the " inspector '' from HomePoint to come to my home.
07/26/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • RI
  • 029XX
Web
In what appears to be an annual attempt to flout ethical and advised practice, Home Point Financial has again chosen to pay in full local, real property taxes from escrow, as opposed to spreading the escrow on a quarterly basis. For three consecutive years, we as the borrowers have requested in writing that the local property taxes be paid from escrow each quarter, as the tax bill is conveniently designed with quarterly amounts. This would allow for time to replenish the escrow account. Instead, the company has ignored their own previous agreements to do this, choosing to pay the tax bill in full, the same month as the homeowner 's insurance is also paid from escrow, and just before they conduct the annual escrow account projection. This ensures for them that an escrow account containing a significant surplus is sufficiently depleted at the time the company calculates the projected payment for the year, guaranteeing an average increase of between 18 and 24 percent per monthly payment. In XX/XX/XXXX, an additional payment, in the amount of {$1800.00} was sent to the Lender with a signed notice that it be applied exclusively to escrow to avoid further payment shock. It was not applied to escrow. A letter explaining the hardship caused by a fixed rate mortgage with a perennially surging monthly payment was sent in XX/XX/XXXX. As was a similarly exhaustive explanation of the problem conducted in XX/XX/XXXX. Many hours have been spent attempting to contact and resolve this issue, with good faith solutions proposed by the borrowers to avoid this by simply paying the annual tax burden in quarterly increments. Yet, each year we receive shocking notification of an unexpected and unmanageable increase in monthly payment, impossible to budget for, causing untimely payment and threats of default and foreclosure. I am always hesitant to believe malicious intent over the far more likely answer of the path of least resistance to explain why each year Home Point acts as though they have never heard of our cries for relief of this unnecessary practice of depleting escrow as much as possible immediately prior to calculating the next year 's escrow projection. Yet, after three consecutive years of losing sleep over the threats of losing our home, I can no longer believe that this practice is anything other than by design. Property values in our neighborhood are rising quickly and the economy suggests short term investments are more profitable than long term investments. Mortgage interest rates are going up. Therefore, to exploit a loophole in the fixed rate mortgage contract and force a middle-class family from a home in a high real estate value neighborhood inevitably yields a quick profit for a company that has not demonstrated scrupulous behavior.
12/28/2016 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • RI
  • 029XX
Web
We closed on our fixed rate home loan at the end of XX/XX/XXXX. Our monthly payment, based on debt-to-income was approximately {$1400.00}. In XX/XX/XXXX we were notified of an increase of approximately {$300.00} per month due to a projected shortage in escrow. There was no significant increase in annual, local property tax or in homeowner 's insurance. The lender chose to pay both in full between late XX/XX/XXXX and XX/XX/XXXX, reducing escrow from close to {$3000.00} positive balance, to approximately {$2000.00} negative. After extensive communication with an attorney from the lender, we were able to reduce the monthly payment to about {$1500.00} per month. This was difficult, but manageable. In XX/XX/XXXX in spite of requests to pay the property taxes in quarterly installments ( as is recommended best practice and, as is easily demarcated by the tax bill, itself ), a notice was sent to us indicating the projected monthly payment based on escrow shortage was to increase to over {$1800.00}, as both the tax bill and the insurance bill were paid in full, again immediately before the annual projection was calculated. My income has neither increased nor decreased significantly. Therefore, the initial agreement in good faith, as well as the XXXX loan agreement, both based on a debt-to-income ratio calculated with full transparency of what we are able to pay, bears little resemblance to the monthly payment now owed, at a rate XXXX % higher than what we agreed to just XXXX years ago. We have been late in payment because of the financial hardship a {$400.00} dollar per month increase has caused. Now, we are receiving XXXX and XXXX default notices by mail each day. I have spoken with representatives from the lender, mailed them evidence of income, as they requested, and emailed them requests for modification. I have spent hours trying to rectify this situation and, when I have received a response, it is as if they are hearing this for the first time and are completely unaware of the situation. Or, I receive contradictory information, dated after they have processed a payment, indicating they still have not received a payment. Furthermore, they are requesting documentary evidence that has already been sent. Not only is this causing financial hardship, extreme anxiety, and personal frustration, it is also taking hours of time during which I should be performing my job duties to earn the extra money we so desperately need. It appears that the lender is exploiting a loophole in an otherwise fiscally responsible fixed rate mortgage in order to utilize projected escrow shortage to raise rates such that we are unable to meet timely payment and, thereby, default on our property. We have no intention of foreclosing.
12/30/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OR
  • 972XX
Web
In XXXX, I received our annual escrow account statement, alerting me that my monthly mortgage payment would be going up by about {$100.00}, in order to account for revised tax/home insurance amounts, and to make up a shortage of my escrow account. The shortage is estimated to be {$840.00}, representing the difference between the projected low balance ( - {$200.00} ) and the " required escrow balance '' ( {$630.00} ) - required being their terminology despite the fact that federal law does not require them to have that minimum but permits them to " charge the borrower a cushion that shall be no greater than one-sixth ( 1/6 ) of the estimated total annual payments from the escrow account. '' XXXX ( c ) ( XXXX ) ( i ). When extrapolated over the course of the year, that adds {$70.00} to my monthly payment. I don't take issue with the fact that there is a shortage that needs to be accounted for. What I take issue with is the timing of the mortgage servicer paying my property taxes, and doing so to create a greater shortage ( or a lower " projected low balance '' ) for the year, which in turn requires me to pay more each month in order to make up the shortage. In the County where I live, property taxes are due on XX/XX/XXXX of each year. I don't even receive a statement from the County until after XX/XX/XXXX. In XXXX, despite my escrow statement from XX/XX/XXXX projecting my property taxes to be paid in XX/XX/XXXX, after my monthly mortgage payment ( which is paid on the first of each month ), the servicer debited my property taxes from my escrow account on XX/XX/XXXX, creating a negative balance until my mortgage was paid the very next day. Looking at the escrow statement for XXXX, because the servicer plans to debit my property taxes from my escrow account in XX/XX/XXXX rather than just days later after my XX/XX/XXXX mortgage payment, I will have a balance of - {$200.00}, rather than {$110.00} if they would wait to pay the property taxes closer to when they are actually due. Doing so would lower my " shortage '' to {$520.00}, requiring an added {$43.00} each month in XXXX to make up the difference. I have reached out to the servicer to try and resolve the issue, but they told me it would not be possible to adjust the date of the property tax payments for my account, because it is sent to the County as a lump payment covering the property taxes of all accountholders within the County, which leads me to believe that they are artificially creating shortages or greater " Projected Low Balances '' for many more accountholders in the area, something that could be resolved if they simply paid the property taxes when they were due.
07/25/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • 80027
Web
I made my scheduled payment on XX/XX/2018 and paid the full amount to my mortgage lender, Home Point Financial. This was my third payment to them, as my mortgage was recently sold to them. Later in the month ( about two weeks later ), I received a modified escrow schedule. The schedule states that based on Home Point Financial 's Analysis, my payment will need to be increased about {$160.00} per month and the company " likes to keep a reserve in escrow of {$520.00}. '' It clearly stated this was not a bill. I received another such notice within about a week and this time the monthly estimated increase in payment was about {$150.00}. On XX/XX/2018, I received a letter informing me I was {$160.00} delinquent on my account for XX/XX/XXXX and threatened with collections. For the past week before, I had received calls every day from Home Point Financial where no message was left. On XX/XX/2018, I received a phone call informing me I was delinquent on the account and a woman telling me she wanted me to pay right now. I informed her I was looking into the matter and was in the process of making payment. She then threatened to send this to collections if it went due past 30 days. This prompted me to call Home Point 's customer service. I was told the balance showed XXXX on one screen and that I owed {$160.00} on another. The representative stated " well you have 60 days anytime your mortgage is new for payment so it's not an issue. '' She then attempted to collect the money and I asked about the authorization for the escrow reserve which was never granted by me. She sent me to escalations and I spoke with another gentleman. He advised the analysis on my account for escrow should not have ever been run and my payment should not have changed. He confirmed that if it had been changed, I would have had 60 days advanced notice. He said he would try to set my payment back to what it was and I would need to check to make sure the XX/XX/XXXX payment ( which I was told was held and not applied ) had gone through in a couple of days. I sent a message to customer service again inquiring as to the authorization for the escrow reserve and a better explanation of the analysis which was run on my account when it shouldn't have been. All I was told was they saw I spoke with someone on the phone and they " apologized for any inconvenience. '' So they make a mistake, demand more money and not notify me until long after my payment was made that I owe them for a large escrow reserve I never agreed to. On top of that, they then harass and threaten me with collections for their mistake???? This is not an acceptable business practice.
06/21/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 33328
Web
We are experiencing wrongful foreclosure proceedings by Home Point Financial - haven't missed a payment with the exception of an approved forbearance period of 3 months. Funds from a FHA Disaster Partial Claim Modification ( to pay for forebereance months ) have yet to been applied a year after signing documents. After Hurricane Irma ( XX/XX/XXXX ), Home Point Financial ( our mortgage bank ) offered a 3-month forbearance ( for XXXX, XXXX, XXXX ). In XX/XX/XXXX, we continued with our monthly payments until XX/XX/XXXX. On XX/XX/XXXX, we submitted paperwork for an approved FHA Disaster Partial Claim modification that would cover payment for forbearance months + XX/XX/XXXX ( while the modification was setup and took place ) in the amount of {$10000.00}. We were instructed to resume payments in XX/XX/XXXX, and we have sent our monthly payment without failure to this date. However, as of today XX/XX/XXXX ( a year after we submitted documentation for the FHA Disaster Partial Claim modification ), the funds have not been applied to the account. In the bank system, we appear delinquent to the amount that equals this modification and regardless of our multiple attempts to call attention to the bank to review this anomaly, we have been told that their system is correct and that we must pay in full that amount. We sent a letter* dated XX/XX/XXXX to several offices of Home Point in multiple states with copies of all checks proof of our regular payments. Should the FHA modification funds were applied, we would not be delinquent. We doubt they read our letter. On phone call in XX/XX/XXXX we were told that because of our delinquency our account was sent to legal department to initiate foreclosure proceedings. *letter attached to this claim. Checks with mortgage payments for XXXX and XX/XX/XXXX were returned ; we sent XXXX 's payment but won't be surprised that is also returned. At the moment our delinquency totals 7 months : 4 months covered by the FHA modification + XXXX, XXXX, and XX/XX/XXXX. We have placed the funds for the returned checks aside so that when the bank starts accepting payments again, we will be able to submit. For months we have received calls from debt collectors, and experienced dismissives from multiple bank associates and managers - because in their records their files are accurate. They don't seem to realize the FHA modification funds are missing! We need help locating the FHA modification funds and having them properly accounted towards our account so that we can bring our loan account current, and stop the wrongful foreclosure proceedings.
04/29/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 07869
Web
We refinanced with Home Point Financial Corporation, a 15 year mortgage with a fixed interest rate. We signed documents as part of our closing authorizing Home Point to collect our property tax payment and insurance to be included in our monthly payment. This was all part of our closing disclosure. At the time of the closing the escrow amount was {$1100.00} with a principal and interest payment of {$2800.00}. Giving us a {$4000.00} minimum payment. The inception date and first payment was made on XX/XX/XXXX in the amount of {$4100.00}. Fast forward to XXXX of XXXX when Home Point sold our mortgage to XXXX XXXX. XXXX XXXX noticed us that our new monthly payment would be {$4700.00} to cover a shortage in our escrow. Our taxes only went up ~ {$570.00} and our insurance went up ~ {$90.00} for the calendar year. After hours on the phone trying to decipher why we had a shortage when we were making on-time payments greater than the minimum payment due, I discovered that during the life of our mortgage with Home Point Financial Corp. they were not satisfying the escrow of what should have been roughly ~ {$1200.00} a month. Instead they were only paying roughly ~ {$810.00} a month to the escrow. In speaking with Home Point no one could tell me how this happened and why the closing disclosure was not followed. I brought this to the attention of multiple employees at Home Point. I told them that because of their mistake I was now forced to pay an extra ~ {$600.00} a month or write a check in the amount of ~ {$7200.00} to fund my deficient escrow. Home Point would only tell me that I was no longer their customer and potentially ask the new lender ( XXXX XXXX ) to spread my escrow payment over 36 months instead of 12 months until I satisfied the necessary amount to fully fund my escrow. I seriously question why Home Point sold my mortgage in the first place. Was it because they knew it would be easier to sell my loan to another institution rather than admitting fault on their end and addressing the matter? Needless to say my new lender is asking for the new payment to ~ {$4700.00} or for me to write a check in the amount of ~ {$7200.00} to fund my deficient escrow. Neither of these are viable options. I have impeccable credit and have never missed a payment in my life. I have always paid Home Point on time and in excess of the minimum amount due. Home Point didn't appropriate my funds correctly and shorted my escrow. In doing so they completely disregarded the closing disclosure and now because of their error I am faced with financial hardship.
11/25/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 90025
Web
1 ) I have refinanced my house, after a few months my mortgage was sold to a 3rd party mortgage / collection company. 2 ) 3rd party received my payments but did not post to my account. i have shown proof of payments but they are refusing to make corrections. 3 ) i have disputed with 3 credit bureaus but mortgage company did not agreed to make correction. mortgage company insisted to keep negative report on my account. 4 ) later mortgage / collection company made correction for the first 2 months and kept negative report for the 3rd month. 5 ) i have resend all my proofs with new dispute letter to credit bureaus, one of them has corrected my account and i am waiting for the other 2 6 ) mortgage / collection company did not post my latest payment ( XXXX ) i was concerned to get additional negative report. I have called-in on XX/XX/XXXX and changed payment method to " monthly auto ACH '' to replace my check. mortgage company took the ACH payment and also cash my check at the same time. They took 2 payments and advised me that the additional payment has to go for the month of XXXX. am i getting reimbursed for the early payment and additional interest paid? 7 ) On XX/XX/XXXX, I have requested again credit correction, the mortgage company replied on XX/XX/XXXX and XX/XX/XXXX that they have received my request and they are reviewing it. I have not received any reply -- -- -the week of XX/XX/XXXX ( don't have exact day ) I called the mortgage company again, one of the operator inform me that they are making correction to my account and it may take over 30 days to see any changes. Previously I was told by one the supervisors that the only acceptable correspondence is via e-mail directly with accounting department. I have then sent a new e-mail requesting update/ correction on XX/XX/XXXX. 8 ) As of today i don't have any written notice of the correction for my account. my credit score is still below average. I was unable to get new financing due to my credit score. I have lost many work hours trying to correct my credit for almost 3 months I am suffering with anxiety and stress trying to make this correction I am extremely dissatisfied with this mortgage / collection company, they did not make correction when i have showed them from my 1st e-mail that the issue is their company 's processing, it seems like they are more of a debt collector / collection company not a mortgage company. i hope someone review this matter and help me correct this issue and also protect other consumers from this type of financial and stressful harm.
02/05/2018 Yes
  • Debt collection
  • Mortgage debt
  • False statements or representation
  • Attempted to collect wrong amount
  • WA
  • 984XX
Web
I'm attempting to payoff a loan with Home Point Financial Corporation. Even though I have paid off virtually the entire loan except for perhaps XXXX cents of interest that might be due, when I called Home Point Financial Corporation today, I was told that I owed my usual monthly payment of {$2600.00}. I paid almost the entire loan through debit payments from my checking account. For some unfathomable reason, this business insisted that I couldn't make the payoff amount of {$88.00} effective throughXX/XX/XXXXby debiting it from my bank account, which I had done to pay off the rest of the original {$390000.00} loan. They offered two inconvenient options. One option was to wire the money, which would cost me a {$25.00} wiring fee. The second one was to mail certified funds, and try to estimate the interest to anticipated day of receipt of mail. On XX/XX/, I mailed a money order in the amount of {$88.00} ( {$88.00} plus {$0.00} to cover 5 days of interest beyond the loan payoff effective date of XX/XX/ ) and the post office estimated that mail would be delivered XX/XX/. I included interest to cover delivery delayed until XX/XX/. Unfortunately, delivery was delayed until XX/XX/. I spoke with a supervisor named XXXX XXXX on XX/XX/, and she stated she would help me make the payment by phone if I call back on XX/XX/ or XX/XX/. I called back today. The customer service representative ( XXXX ) hung up on me after a 30 minute phone call without getting me through to XXXX 's voice mail, and the second time, after waiting for almost half an hour, he proceeded to continue to argue with me and then after a delay of another 10 minutes, forwarded me to the wrong voicemail ( someone named XXXX ). XXXX did confirm that a money order payment of {$88.00} was received on Friday, XX/XX/. I would like to pay whatever amount I might owe at this time ( probably XXXX cents based on the daily per diem and the fact that I only included XXXX cents of per diem interest to cover delivery until XX/XX/ and delivery actually occurred on XX/XX/ ), and I would like to do this by debiting it from my bank account as I have done to payoff virtually the entire loan. I don't understand why this business doesn't allow this option as it guarantees timely delivery of payment unlike mailing the payment and also doesn't require an extra {$25.00} payment as would be required for wiring the funds. I have paid off a car loan by debiting the payoff amount from my checking account. My student loans can also be paid off by debiting the payment from my checking account.
03/17/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • AZ
  • 85254
Web Servicemember
Loan : XXXX PAYMENTS : We made 3 payments to HomePoint Financial in XXXX to get caught up on the forbearance payments, The balance should be {$2000.00} ( {$1000.00} balance due and the XXXX payment of {$1000.00} ) however three statements were sent in XXXX with a balance amount of {$4000.00}, {$3000.00}, {$2000.00}? HomePoint Financial needs to get it together. I want a statement reflective of the accurate balance of {$2000.00}. We are paying XXXX in XXXX and expect a zero balance statement. {$4000.00} balance XXXX {$1000.00} payment XXXX {$1000.00} payment XXXX {$1000.00} payment ESCROWS : The escrow balance was negative - {$1500.00} and mortgage payment is going up {$300.00} as a result in XXXX. A subsequent escrow statement sent XX/XX/XXXX reflect a XXXX with a mortage payment increase of {$430.00}. Both escrow statements are listing both insurance policies in the amount of {$1300.00} however when we called HomePoint on XX/XX/XXXX they stated a payment was made on XX/XX/XXXX to XXXX in the amount of {$780.00} for our property insurance which they have listed as Wind & Hail. On XX/XX/XXXX they paid XXXX XXXX XXXX {$1300.00} which they have listed as our property insurance but in fact its our Wind & Hail insurance. Last year, HomePoint Financial sent a check to XXXX XXXX XXXX XXXX XXXX, an unknown company that has no relation to XXXX or XXXX XXXX XXXX in the amount of {$1300.00}. They told us to call the XXXX XXXX XXXX XXXX when they made the mistake to inquire on a refund. Homepoint said this was a clerical error made at origination. I need an explanation on where that payment is? Was a refund or stop payment placed on the payment that was made to the unknow company? Were those funds applied back to the loan? We refinanced this account a year ago and there should not be a negative amount or such a huge discrepancy. Additionally, knowing you paid {$780.00} and {$1300.00} why would you have them both listed at {$1300.00} for the XXXX escrow statement. If this is a result of your mistake then your company needs to own up to it. I have an email attached that was sent to HomePoint Financial requesting research be conducted on this insurance issue under RESPA and received no response. CFPB needs to look into HomePoint Financial practices of escrows, payment application, forbearance payments, modifications without notifications. We are also pending a response on the Deceptive and Abusive practices of increasing payments and interest rates without borrower notification. This company should be investigated.
12/24/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • KS
  • 662XX
Web
I requested a 6 month forbearance from Home Point Financial back in XX/XX/XXXX which they granted. I knew that at the end of my forbearance that I would be given one of two options, either to pay back the past due payments in one lump sum or have the past due amount paid off at the end of the term of our loan. At the beginning of XXXX, my wife contacted Home Point Financial to discuss our options as the forbearance was set to end at the end of XXXX. We were then advised that we would need to apply for a loan modification for which Home Point Financial requested us to submit documents to them including, payroll statements, bank statements, tax records, etc. I emailed back the loan modification request to Home Point Financial on XX/XX/XXXX. I never received any form of confirmation from Home Point Financial that they received our request. My wife called Home Point Financial on XX/XX/XXXX to inquire about the status of our request upon which Home Point Financial advised her that they required additional paperwork from us to complete our loan modification request. Much of the paperwork that Home Point Financial was requesting had already been sent on XX/XX/XXXX. However, Home Point Financial failed to act upon our loan modification request in a timely manner and was now asking for us to send updated bank and payroll statements which we did not mind doing. Home Point Financial advised us that the paperwork needed to be received by XX/XX/XXXX. Beginning on XX/XX/XXXX, I began receiving daily phone calls during weekdays from a man named XXXX from Home Point Financial. The purpose of XXXX 's calls were to remind me that Home Point Financial still needed additional paperwork from us to complete our loan modification request. I acknowledged this fact on XX/XX/XXXX when XXXX originally called me. I also advised him that my wife had already spoke to someone at Home Point Financial two days earlier and we would get them the paperwork before XX/XX/XXXX. Every time XXXX from Home Point Financial calls, he tells me the same thing, that he needs the paperwork by XX/XX/XXXX, XXXX has called me six times beginning on XX/XX/XXXX. I have repeatedly told XXXX that we will send the paperwork in before XX/XX/XXXX. Despite this, XXXX continues to call me every weekday to tell me the same thing. I advised XXXX that I found his calls to be hairdressing and hypocritical considering that it took Home Point Financial so long to get to our loan modification request that they needed updated bank and payroll statements.
10/01/2018 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CA
  • 950XX
Web Servicemember
On XX/XX/XXXX I authorized payment of {$580.00} to HomePoint Financial to cover an anticipated increase in the amount of my monthly escrow payment. XX/XX/XXXX - My usual monthly electronic mortgage payment of {$2300.00} was debited from my checking account. Starting in XX/XX/XXXX my monthly bills indicated that my account was in suspense. I contacted HomePoint on numerous occasions and after I had made 3 or 4 phone calls it was escalated to a manager in XX/XX/XXXX who told me that my account would be taken out of suspense and the derogatory credit reports that they had submitted to the credit bureau would be withdrawn withn 30 days. I have not been able to confirm this at this time, however. Additionally, in XX/XX/XXXX Homepoint withdrew TWO mortgage payments from my bank account instead of just a single one on the dates below. XX/XX/XXXX - {$2400.00} XX/XX/XXXX - {$2400.00} I contacted Homepoint on XX/XX/XXXX and escalated it to a supervisor named XXXX, who told me that he would have to research exactly why the extra payment was deducted and if I had not pre-authorized the payment, they would issue me a check by mail. After I spoke with him I contacted my bank and had them attempt to stop payment on the XX/XX/XXXX payment which they were successful in doing. On XX/XX/XXXX I called Homepoint and talked to a male who gave his name as XXXX (? ) and asked him to notify XXXX that my bank had issued a stop payment. Nevertheless, on XX/XX/XXXX I received a check for {$2400.00} because Homepoint was in error in deducting the 2nd payment, I am holding the check in lieu of instructions from XXXX. On XX/XX/XXXX I received a letter from Homepoint requiring that I resubmit the payment for {$2400.00}. On XXXX I contacted Homepoint and was told by the female representative that my account was in arears {$2400.00} and that the charge was being reversed and would be taken from my escrow account! At that point I asked to be transferred to XXXX but he did not answer, so I left my name and number on his voicemail to call me. I can provide all bills, bank statements, call times, and letters to document and support this complaint. I am a XXXX veteran and this is a VA loan on my primary residence. I need the help of the CFPB to stop the predatory lender practices that HomePoint Financial is carrying out against me because of their own error, by their own admission, and to restore my credit so that I am no longer financially harmed by their predatory actions. Thank you in advance
08/08/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 105XX
Web
I had to put my mortgage on forbearance for a couple of months this year, because I had lost my work. When work started again, I was struggling to keep all my finances in order and make all payments on time. I removed the forbearance from my HPFC ( home point financial ) mortgage at XXXX XXXX XXXX, as soon as I got back to work. When I had removed the forbearance, HPFC immediately increased my mortgage payment for what they said, was a deficit in escrow. This, albeit, placed a further financial burden on me, regardless I made my mortgage payment as soon as funds cleared my XXXX ( XXXX XXXX XXXX ) account from the sale of a property. XXXX XXXX XXXX indicated to me that funds were available for use, and so I went ahead with my mortgage payment. When I had learned that the mortgage payment that I made to HPFC was returned on XX/XX/2020, I immediately made another payment ( on the same day ) to them for the same account to correct the error. The payment was accepted on their website, and a green message indicated " thank you for your payment ''. I thought nothing more of it, and heard nothing about it until I received a paper envelope in my hose mail box indicating that my payment was late! I was shocked and immediately logged into my HPFC mortgage account and discovered that my 2nd payment made on XX/XX/2020 was ALSO returned, I didn't know why this would be, as I had the funds in my XXXX account to cover the payment. I called HPFC and inquired why the 2nd payment was returned and they told me that information had been entered incorrectly. I told them that I had made the payment on their website and it went through. They said that it was some type of error and the payment had not actually gone through. I want to do the right thing and pay my bills, I am appalled that this error would have been marked negatively on my credit score. This time of COVID is a great financial struggle for all, and I want to certainly be responsible and reasonable. I strongly feel that the error on HPFC 's part should NOT reflect negatively on my credit reports, and I am outraged at HPFC treatment of my on the phone and lack of responsibility. They had told me they tried to call me, but I have received no call from them. They did not email me, text me. They sent a paper letter in the USPS which arrived days after the 2nd payment was made. Also, feel free to call my cell XXXX. Thank you, and please help me. I appreciate your efforts in my behalf
12/02/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32218
Web
I am a fXXXX XXXX of HomePoint Mortgage XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I refinanced with HomePoint mid XXXX, so this company now holds my primary residential mortgage along with another mortgage for a rental property. Within 30 days of the XXXX, they transferred my servicing to XXXX XXXX. Once this was set up, I paid my mortgage payments for 6 months in advance to XXXX XXXX with no issues. I try to make my next payment and they transferred my servicing back to HomePoint I paid the same bill pay that I paid when I initially got my mortgage but that was wrong. When I figure this out, I now had to make a double payment which they finally received. It appears that I am being XXXX as a XXXX XXXX as I have NEVER experienced these kinds of issues as a homeowner of multiple homes over 22 years. The next charge is that they mailed an escrow refund check. I in turn deposited the check into my bank account they then stopped payment on the check without notifying me and sent the analysis reflecting a large shortage. I called and they are claiming no record of sending me a check however I have the check copy, the letter that came with the check and the letter from my bank proving stop payment. They failed to send an urgent notice saying that they stopped payment and even denied sending the check in the first place costing me a XXXX fee with my bank also this effected my stellar deposit history with my financial institution of which I have been a member for about 25 years. This also posed a threat of financial harm as XXXX can cause an extreme domino effect in someone's finances. The third charge is that when I compare the escrow statement payment to property taxes against the actual bill that I received from my county government there is a deficit in the amount paid. Even though this is a small amount it is still detrimental to my homeownership. This company is really experiencing some issues and not only are they XXXX and giving bad XXXX XXXX regarding my XXXX and causing me to lose job opportunities. They are threatening my home ownership and I really need someone to intervene as I am not in the position to hire an attorney so I will start with this as a first step. I have received a call from XXXX XXXX ( early evening around XXXX XX/XX/XXXX ) however there was a connection issue with the phone lines, and I have not heard back since then. This is pretty much beyond a phone call, and I need an outside mediator.
07/18/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 441XX
Web
I have a home mortgage with Home Point Financial corporation. Prior to receiving an Escrow shortage letter in XX/XX/XXXX I was paying {$1400.00} every month. The escrow letter shortage stated if i paid {$460.00} by XX/XX/XXXX my mortgage would only increase to XXXX. If I did not pay the shortage in full my new monthly payments would increase to XXXX effective XX/XX/XXXX. I contacted the escrow department with Home Point Financial and paid in full, over the phone, {$460.00}. I was advised to start paying XXXX for my monthly mortgage. ' I have been in Bankruptcy for approximately 2 1/2 years but my mortgage is not included in the bankruptcy payments. I do not receive a bill or statement for my mortgage due to Home Point 's policies in dealing with individuals in bankruptcy. In XX/XX/XXXX I received a mortgage statement from Home Point indicating I owed {$4600.00}. When I called Home point for an explanation they told me that " someone '' dropped the ball and did not apply my escrow shortage to my escrow account. As a result, i was being billed XXXX every month and my XXXX that I would submit every month went into a " Suspense Account ''. So I was told it was there mistake and they would rectify it with a new escrow analysis and apply the funds i have been paying for the last 9 months plus the shortage to the proper accounts. That was 2 months ago. I have spoken with heir bankruptcy department no less than 20 times and have been told most recently that my account has been elevated to the Bankruptcy manager at Home point. That was a month ago. I was told several reasons for the delay. None of which are true. the first excuse they gave me was I didn't ask for an escrow analysis after i paid my shortage. When in fact I asked 3 times during the month of XX/XX/XXXX and was told it was being worked on and it would take 2 weeks. It was never done according to what i am being told now. The second reason for the delay is Home point says they are waiting for approval from my lender. In any event. i called this situation to their attention over 2 months ago and i am still being billed XXXX. i have done everything Home point has asked of me. I pay my mortgage on time. I paid my escrow shortage in full on time. And this is what i get in return. I have contacted my attorney, i have filed a fraud complaint with the Federal Trade Commission for improperly using a suspense account with my money that should be applied to my mortgage.
06/06/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IA
  • 503XX
Web
In XXXX XXXX I got new homeowner 's insurance that saved me over $ XXXX on my annual insurance premium. That month, I reached out to Homepoint, my loan servicer, about the change and requested an escrow analysis because the new insurance amount would lower my monthly payment. However, I had to call back in XXXX because it hadn't been completed. I spoke with a representative in XXXX for nearly an hour to get an " out of cycle '' escrow analysis completed. They assured me it would be done, but said they could not provide me a confirmation email or request/ticket number so I could follow the process because, as the representative said, " it's an internal process. '' Come XXXX, I found out that my loan was transferred to a new servicer, XXXX XXXX and saw that my loan amount was still the same : {$1400.00}. When I called XXXX XXXX the new servicer, they said Homepoint had not completed an escrow analysis and they would have to start the process from scratch. XXXX XXXX completed the escrow analysis for the next billing cycle in XXXX and reduced my monthly payment to $ XXXX $ XXXX cost savings for my mortgage payment. However, because I had been paying the old monthly payment amount for the months of XXXX, XXXX and XXXXbecause Homepoint failed to complete the escrow analysisI lost out on {$120.00} that could've been applied directly to my mortgage 's principal amount. I spoke with a representative at XXXX XXXX and they said I would have to take the issue up with Homepoint, so today, XX/XX/2022, I called Homepoint and was told the escrow department did not complete the escrow analysis because the monthly payment amount difference was " not significant. '' I was never notified of this decision by Homepoint. Instead, they pushed the escrow issue off for XXXX months and eventually onto my new service provider. And XXXX, the Homepoint representative, could not clearly tell me where the monthly {$42.00} overage ( total : {$120.00} ) for the homeowner 's insurance premium portion of my escrow account was paid. I am attaching the escrow analysis completed by XXXX XXXXdemonstrating the significance of the homeowner 's insurance premium change in relation to my escrow account and resulting monthly mortgage payment adjustment. I am also attaching my XXXX and XXXX mortgage statements from Homepoint and XXXX mortgage statement from XXXX XXXX which includes my transaction history for the months of XXXX and XXXX.
08/20/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 34205
Web
After losing my job due to Covid-19 in XXXX, I called my mortgage lender, Home Point Financial, to see what options I had to make my mortgage payments while unemployed. They offered me a 3 month forbearance which they were offering to anyone impacted by Covid-19. This was to postpone payments for XXXX, XXXX and XXXX. I called in XXXX to resume payments, as I had been directed to do, and was told that I would have to extend it one more month and to call back after XX/XX/XXXX. So I called back after XX/XX/XXXX once again in order to resume payments. The man who took my call ended the forbearance and said that a loan officer would call in the following days to discuss which repayment option would be best for me. No one called. I called back on XX/XX/XXXX. A woman said that someone would call me to set up a payment plan. No one called. I called in the first week of XXXX. This time a woman said that my loan was in underwriting and that I would resume payments after signing paperwork. This was startling since I never heard about what my repayment plan was going to be of what my options were. This phone call went around and around with me explaining that I needed to talk to someone to discuss my plan and her telling me that I didnt. I asked to speak to a manager or someone who could explain the repayment options. She put me on hold for about 30 minutes. She came back on the call only to tell me that there was no one who could talk to me but shed have someone who could discuss the repayment plan call me. No one ever called. It is now the XXXX of XXXX. I have missed 4 payments3 were in forbearance but the last one was not. Any time Ive tried to pay theyve told me to wait for a call that never comes. When I go online, the instructions are to not make a payment until a plan is in place. Ive sent at least two emails asking for help and have gotten no response. I have since gotten automated emails telling me my forbearance is up and that I need to call to resume payment, which I have several times. I have also gotten a letter saying that reads as if my house will be foreclosed if I do not resume payments, which I have been trying to do since XXXX. I suspect that this company is using the Covid-19 crisis to take advantage of their customers and I do not want to be one of them. I am willing and able to pay my mortgage but this company will not allow me to make the payment. I dont know what to do. Please help.
12/19/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MO
  • 63028
Web
XX/XX/XXXX, I applied for a loan modification with my home loan company-Home Point Financial after losing my job. Each week I continued to call to check the status, only to be told I can only speak to XXXX, my point of contact. I leave messages for XXXX, but he never returns my call. In XX/XX/XXXX, I filed for Chapter XXXX Bankruptcy. In XX/XX/XXXX, we receive a note on our door from Home Point Financial to call them. Upon calling, the customer service representative says our Loan Modification is complete provided we pay XXXX, XXXX & XXXX payments as a trial through a HAMP program. We pay all payments on time, in XXXX, XXXX & XXXX. In XXXX, Home Point Financial files for relief in our bankruptcy, only to withdraw their motion on XX/XX/XXXX citing we had successfully completed a loan modification. Each month we asked for a copy of the loan information regarding the modification and received nothing. On XX/XX/XXXX, we finally received a package containing the loan modification documents. We signed, notarized and returned the documents within one week. We continue to pay the amount instructed each month and are told our loan is good and everything is complete. We noticed several times that our payments were not being applied to our account but held in an unapplied payment section. On XX/XX/XXXX, we called to make our mortgage payment and are told they will not accept less than {$12000.00}. On XX/XX/XXXX, we receive a letter saying our loan modication was denied due to final paperwork not returned and {$10000.00} is due immediately. Home Point has reapplied all payments and denied the modication due to Page 5 missing a date per our conversation with a rude customer service representative, leaving our loan appearing to be 6 months past due!!! It is not past due as we have paid each month, as instructed. We consult our copy of the paperwork and see that page 5 does not have a date area, but is rather the notary form. We send in another copy of all signed documents. We continue to call each day, along with filing an appeal and are told we can only speak with XXXX. XXXX will not return our call. We have contacted HUD and they are unable to get a response from Home Point as well. We want to keep our home and for them to honor the modification that was agreed and sign on. We would also like them to return our calls or to communicate with us in some way! We continue to call each day to no avail.
09/24/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 90640
Web
On XX/XX/XXXX I was laid off from my job. Having trouble finding work I applied for Unemployment Mortgage Assistance through Keep Your Home California. I was approved a few months later. I did not find employment until XX/XX/XXXX. This gap in employment put me in a big financial hardship. When I called Keep Your Home California to inform them I had started a new job they informed me that I still had 3 months of assistance and if I wanted to use tit. I of course said yes since I didnt have enough time at my work yet to make my mortgage payments. This would have meant my first payment would have been in XX/XX/XXXX. In XX/XX/XXXX I received a letter from Home Point Financial my mortgage company that they did not receive payment for XXXX. So I immediately called Keep Your Home California and the person who help me over the phone said that they made a mistake and my assistance actually ended in XXXX. I now was behind one month of my {$3600.00} mortgage payment. I immediately paid my XXXX mortgage and began to save up and cut expenses so that I can pay the amount I was behind. When i called Home Point to tell them what happened and the operator said they would have a manager call me to arrange some assistance to give me time to pay the balance that was not paid. I never got that call. I continued to pay my monthly mortgage of {$3600.00} I called the customer support line again in XX/XX/XXXX and the agent was supposed to split the missed payment into 4 different payments each month in addition to my monthly mortgage so that I may be able to pay it without having any negative reporting. This didnt happen either. I called again in late XXXX - early XXXX and the agent helping me said that they did not see any notes of my previous call or arrangement and that all they could to is split up my payment in 2. I agreed to this as well. But before my next payment I was able to save enough money to pay the balance in XX/XX/XXXX. I ended up paying {$7300.00} which is a large amount of money for my family and I. Since I am the only bread winner it took longer than anticipated to come up with that amount of money. What i was not aware of that my payment in XXXX was actually to cover XXXX and all my payments from XXXX - XXXX were always for the previous month making me have multiple months late and it affecting my credit report immensely negatively.
05/15/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 75013
Web
On XXXX XXXX, I emailed HomePoint financial with a form to set up biweekly payments ( called FlexPay ). I expected the first payment to start XX/XX/XXXX. I noticed that no payment was made XX/XX/XXXX, so I called them. The agent said that they received the form too late to start payments for the XXXX payment. She said that she would set it up to start XX/XX/XXXX and that as long as I made the XXXX payment by XX/XX/XXXX, it would start. I made the XXXX payment and checked again after XX/XX/XXXX, and they still had not set up the payments. On XX/XX/XXXX I talked to another agent, allegedly a supervisor, about setting up the payments for XXXX. I made the XXXX payment online while talking to her, and she said that she set up the payment to start XX/XX/XXXX, and I thought that everything was good. A few days later, I get a call from HomePoint, allegedly from a supervisor, who said that they could not make the payment on XX/XX/XXXX since the first payment of a biweekly payment had to be made before the XXXX of the month. I told her that I did not want a biweekly payment to come out of my account every other Thursday, the day before I get paid. She did not even know how biweekly payments worked. She was very rude and said things like " the XXXX of the month is not always a Thursday, '' and she could not confirm whether it would happen every two weeks or just twice a month which is defeating the purpose. I told her that I was fed up trying to get this set up, so I told her to cancel it. I also asked her to talk to her supervisor, and she said that she would have another supervisor call me back. An hour later, I spoke to another supervisor, and I explained everything to her. She was also rude and asked what I wanted her to do about it. I told her that I wanted her to know that everyone I had talked to did not seem to know how to properly set up the payments and that they need better training for their people. She asked if I still wanted the payments set up, and I told her point blank that I did not want the payments anymore. I wanted it cancelled. Of course, I check my bank account on XX/XX/XXXX, and HomePoint made AN UNAUTHORIZED CHARGE to my checking account after having told BOTH supervisors to cancel any payment request. I contacted their customer service again on XX/XX/XXXX, and they are allegedly cancelling the payments now.
03/18/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NC
  • 279XX
Web
I got notice in XX/XX/XXXX of my monthly payment increasing due to an insufficient escrow amount. my escrow analysis shows a payment to an insurance company in XX/XX/XXXX for a policy that was closed ( wind/hail ) due to being added into my new homeowners policy. a gentlemen i spoke with stated that i hadn't submitted a cancellation of that policy so immediately transferred me to the insurance department which i had to hold again for. both the cancellation and new home owners policies were sent to the company on numerous occasions and were acknowledged to be received on two separate occasions by their insurance department. I called on numerous occasions to speak with someone regarding my escrow account and was on hold at least 7 times that I can recall in a 4 week period and still NEVER reached an associate, or reached one and was placed on hold. i spoke with a lady named XXXX on XX/XX/XXXX at extension XXXX and was told that she would be completing an off cycle escrow analysis to reevaluate my payment. XXXX told me that she would be in contact with me by XX/XX/XXXX. i called her on or about XX/XX/XXXX at the extension provided and left a message ( after being on hold for another 30 minutes to reach someone to transfer me ) that as of today, XX/XX/XXXX has still not been returned. i called back XX/XX/XXXX and was on hold 35 minutes prior to speaking with a gentleman that was very rude and stated that they didn't have an off cycle analysis on file for me and that they didn't do them. i tried again to explain my situation and the man told me that he wouldn't argue with me because he was right. i asked to speak with a supervisor and was again placed on hold, at the 5 minute mark ( total of 40 minutes on hold and still no resolution ) i had to disconnect due to a dr appt. i have been unsuccessful in getting in contact with any one that can explain to me why my escrow has increased $ XXXX/month in the 3 years I've had the home ; despite never missing a payment, whole first year paying extra, never once being late with a payment, having a fixed rate, decrease of $ XXXX/year in insurance premiums and not a single cent change in my property taxes. i have been attempting to have someone answer my questions since the receipt of my escrow analysis paperwork at the beginning of XX/XX/XXXX.
04/27/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • IL
  • 60641
Web
1. HOMEPOINT called me on XX/XX/2021. - I received a phone call on my personal cell phone number from a woman that did not identify herself, but she was asking me to identify myself. This immediately triggered my suspicion that this was a illegitimate phone call. - After I insisted that she identified herself, she said she was calling from HOMEPOINT, a mortgage company, about my application for a mortgage refinance. I NEVER REQUESTED OR APPLIED FOR A MORTGAGE REFINANCE WITH HOMEPOINT. At this time, I TOLD HER I WAS NOT INTERESTED in refinancing and hung up. 2. Homepoint emailed my personal email address on XX/XX/2021. - It is unknown how they obtained my email address or phone number. - The email with subject line : " important information about your mortgage '' requested that I register in their website and " view your loan information '', essentially suggesting that I had a loan with them, WHICH I HAVE NOT EVER HAD. - I called the phone number in their email. The automated reply stated that I had an account with them associated to my phone number. AGAIN I DONT HAVE AND HAVE NOT EVER OPENED AN ACCOUNT WITH HOMEPOINT. - After navigating through the menu, the automated operator constantly asked me for my last four SSN digits, and in one occasion it asked for my full SSN. I did not provide those. - I finally reached a representative to confront about the fact that I do not have an account with them, but he suggested that I might have to find out if I need to pay HOMEPOINT instead of my current mortgage servicer. - The HOMEPOINT representative, myself and a representative of my current lender servicer had a three-way phone conversation. My current servicer asked for my SSN last four digits, and at this time I hung up as I did not want to provide them with the HOMEPOINT representative on the line. - I called my current mortgage servicer, and verified that my account is in order and I am still making my mortgage payments to them. - I unsubscribed from HOMEPOINT emails using their very obscure " unsubscribe '' link at the end of their email. Clearly, HOMEPOINT was using deceptive tactics to : 1. Get sensitive, personal information from me. 2. Trick me into starting a refinance with them, which I was not interested. 3. Trick me into giving them money.
06/09/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 78210
Web Servicemember
I bought a XXXX in XX/XX/XXXX in XXXX XXXX, XXXX. It is XXXX of XXXX units built as new construction. The property tax bill for that first year is a collective tax bill and it was agreed upon closing that the XXXX units would evenly pay for that collective tax bill until XXXX XXXX is able to split the collective property tax account into XXXX individual tax accounts the following year. As of XX/XX/XXXX, my mortgage servicer Home Point Financial Corporation doubled my mortgage payment because it assumed I will be paying the full collective property tax bill. I have tried working with Home Point Financial for over a month and a half on trying to get my payment adjusted so that its accurate but they have made it exceedingly difficult. Home Point Financial Corporation is charging me for my own property taxes and my XXXX neighbors property taxes! The loan servicer kept telling me that they need a property tax bill thats updated. I have stated multiple times that XXXX XXXX does not issue out property tax bills until XXXX each year and that they can not write me a new one any earlier. So in essence, the loan servicer is expecting me to pay from XXXX until XXXX a mortgage payment thats twice what it was before until they get an individual property tax bill.I have furnished my XXXX appraisal letter from the county and even the closing documents related to the property taxes but the company will not accept this and/or is dragging their feet. I have also asked them to contact my county tax collector directly and my title company, but they have refused and have me play as the middleman, where I have easily made over XXXX calls between Home Point Financial and my county tax collector in the last few weeks. This is beyond frustrating and more difficult than it needs to be. I always pay on time and now Im expected to utilize all my funds and emergency funds to make a payment thats bogus- and they know its bogus! I can afford my mortgage payment, but when they are charging me for my neighbors property taxes, that is beyond what I can pay. Im going to be charged late fees and will get a bad mark on my credit report next week on XX/XX/XXXX because home point financial have been slow to respond or take action. Ive been trying to resolve this issue since XXXX XXXX.
09/15/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 28403
Web
Most recently Home Point Financial sent my homeowners insurance payment late causing my policy to be cancelled. But this is just the most recent delinquent actions they have taken with the serving of this loan. The previous event occurred when Home Point Financial has incorrectly reported to XXXX late on my mortgage payment. The events that are date stamped below can be proven by canceled checks and bank statements. NO PAYMENT WAS EVER 30 DAYS LATE. The only acceptable resolution is a correction to my credit report and a refund of every late fee ever charged to me. I always pay my mortgage about 15 days ahead of time. The problem really begins and stems from the incorrect processing of payment on XX/XX/XXXX. XX/XX/XXXX, XXXX I made a payment intended to be my XXXX payment. Your processing center incorrectly applied this payment to principle. Which has caused all other " early '' payments to appear late. XX/XX/XXXX, XXXX My bank sent out a payment that was the amount of the loan prior to the escrow adjustment XXXX. XX/XX/2022 -After realizing the bank has done this short pay I immediately send out a check for the difference of XXXX. Please see attached documentation ( Check # XXXX ). This check is clearly received and deposited by Home point. XX/XX/XXXX, XXXX Home Point Financial reports to XXXX that I am 30 days late. My almost perfect credit score of XXXX drops over 60 points to the low XXXX. XX/XX/XXXX, XXXX You assess a late charge XX/XX/XXXX, XXXX I make a payment of XXXX XX/XX/XXXX, XXXX You XXXX another late charge of XXXX XX/XX/XXXX, XXXX I make the 3rd payment of XXXX Home Point misapplied my payment on XX/XX/XXXX to the principal causing this entire situation. I have now paid late fees ( when I wasn't late ). You have caused my credit to drop from " excellent '' to " good. '' And I have now made my XXXX mortgage payment 2-3 times? Please see all the supporting documentation including canceled checks and bank statements. I have never in my life been late on a mortgage payment. You have created a terrible mess by misapplying the payment on XX/XX/XXXX to principle. I need this situation fixed immediately. I want every late fee ever charged to be refunded and most of all I WANT MY CREDIT REPORT FIXED!
08/17/2018 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • MI
  • 494XX
Web Servicemember
Thank you for the opportunity to discuss my problem. On XXXX XX/XX/XXXX I suffered a career ending injury. I applied for, and was granted XXXX XXXX XXXX benefits in XX/XX/XXXX. In the subsequent 2 years I had no problem meeting my financial obligations. In XX/XX/XXXX, my benefits were arbitrarily terminated. A federal law suit was filed and is currently working its way through the courts. During this time I exhausted my life savings in an effort to meet my financial obligation. In late XXXX I began the process of requesting a DEED in LIEU ( DIL ) from HomePoint Financial, the holder of my mortgage. After several difficult months of a run around trying to execute this, Homepoint finally, apparently put the process in motion. During this time period Homepoint was very difficult to communicate with. Often avoiding answering my questions. Frequently stating they would " look into '' my question and get back to me. Often never reaching back out to me. Finally after jumping through every hoop, always in good faith, the DIL was approved. On XXXX XX/XX/XXXX the appropriate legal documents were recorded with the registrar of deeds in the County of XXXX. These included the Warranty Deed and Discharge of Mortgage. I have attached them below. As todays date, XXXX XX/XX/XXXX, the account remains open with a balance of {$160000.00}. In addition Homepoint continues to report me to the credit bureau as delinquent. I have made several attempts to discuss this with Homepoint in the last several days and have been met with severe obfuscation. Every attempt to contact Homepoint has resulted in me speaking to a low level bank representative that has been unwilling or unable to rectify or even explain what is going on. I am sure CFPB can understand my frustration. This long drawn out process has had, and continues to have a very significant negative effect on my credit history. I believe Homepoint 's behavior is at best, bad faith and at worst, possible a violation of the law. I have completed every request made of me in good faith. Any help you can give in getting this issue resolved would be greatly appreciated. If you have any questions please feel free to contact me at your convenience. Sincerely XXXX XXXX ( XXXX ) XXXX
09/22/2023 No
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • NJ
  • 070XX
Web
We have an escrow issue. HomePoint Financial mortgage company and our town put us into major financial hardship. In XX/XX/2023, XXXX XXXX sent HomePoint a letter stating we were delinquent on our property taxes. We were paid in full when HomePoint received this letter. HomePoint sent our town a check for {$14000.00} and our town cashed the check and applied it to XXXX taxes. HomePoint then said we had to escrow taxes and payback the {$14000.00} immediately. HomePoint then told us that our mortgage payment is changing from {$1700.00} to {$5600.00}. We paid XXXX, XXXX, and XXXX at this rate. We called multiple times trying to fix their mistake but we were told it wasnt their mistake and we owed them that money. After reevaluating the loan with XXXX from HomePoint, he determined we were getting over charged. He lowered our payment to {$3500.00}, which is still too high. We paid two months at the rate XXXX gave us, XXXX and XXXX. HomePoint made us payback this in a five month period! Our total owed for our mortgage is {$400000.00}. Our taxes, are {$17000.00} per year or {$4300.00} quarterly. For three years we were on autopay for the {$1700.00} a month and paid our taxes without escrow. Just doing simple math, we paid {$15000.00} towards the {$14000.00} that was overpaid by HomePoint. HomePoint is trying to tell us we owe {$3000.00} for the remainder of the years taxes and we have to escrow another {$6900.00} before the end of 2023. If we paid this amount, we would be escrowing {$22000.00} for 2023 taxes, which are only {$17000.00} which is a difference of {$4800.00}. We have XXXX children, ages XXXX, XXXX and XXXX. One in college we are paying for and this put us in such a financial bind that we are now late on almost all of our bills, including our sons college payments. Our family found buying groceries and gas almost impossible. We understand that we are responsible for paying our taxes. We were not expecting to have to pay back HomePoint for the {$14000.00} that they paid towards our taxes. That should never have happened but we suffered the consequences of their mistake. Is there anything you can do to help us? We would really appreciate any kind of help at all. Thank you, XXXX and XXXX XXXX
02/28/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 189XX
Web
This is a complaint on how Homepoint Financial refuses to correct a report to the credit agency, which has dropped my score XXXX points. In XXXX I made my regular mortgage payment - {$1400.00} + {$100.00} extra to be applied to principal. When I wrote out the check- I wrote the numeric portion correctly, {$1500.00}, but the cursive part I wrote as XXXX XXXX XXXX XXXX and XXXX/XXXX. I was heading out of state the next day for an extended trip and it was just an honest mistake. I even wrote the correct amount of {$1500.00} in the tear off statement sheet I mail with the check. Since, as I mentioned above, I have been away from home since mid XXXX, I had not received mail and did not know that I had made this mistake. I called Homepoint to get the correct mailing address so that I could mail my XXXX mortgage payment. This is the first I heard that I was past due. Apparently, Homepoint uses the cursive portion vs the actual numeric number. When I heard this, I immediately had them deduct the " shortage '' from my account. I never received any notice from them on this. They said they sent a letter, but as I mentioned above, I have not been home since XXXX. I did not receive any emails, or phone calls from them. That's when I found out my credit score dropped so much. I have asked them repeatedly to re-report to credit agencies as this was a simple and honest mistake, not in any way for me not to pay the correct amount. Every representative I speak to says they understand and they can see that there was no intent to short the amount, but their hands are tied. I get absolutely no where with them at all. And when they say they are investigating and even say to me that there are too many calls with me to listen to all of them. This is so important to me and they don't call me back with resolutions, I give them a week to do, and then after that, I call back and go through it again. And this is only one issue I have with them. I also have an escrow issue that they had wrong information ( by {$3000.00} over charge ) that they see is wrong, but has taken them months to correct and is still not. It's like there is one person working here and no one has any authority to do what is right.
03/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 21701
Web
Good Day, I am writing to dispute the derogatory credit mark made against me by Home Point Financial. Home Point received a payment of {$2900.00} on XX/XX/XXXX for the XXXX billing cycle. Due to an update to the escrow amount, the payment was short {$57.00}. I did not receive a notification letter nor was there an email or phone call of said change that would warn me that my mortgage amount had updated. After being out of the country from XX/XX/XXXX through XX/XX/XXXX, I was shocked to receive a letter from Home Point claiming I was 30 days past due on my account. Upon returning from being out of the country, I immediately called Home Point customer service to understand the matter fully and address it, I was educated by the representative that instead of leaving the funds in suspend ( per Home Point 's policy ), the payment was processed as a principal-only payment. The payment was never noted to be a principal-only payment, rendering my account 30 days late. If the payment was left in suspend, then the following payment of {$2900.00}, received on XX/XX/XXXX would have rendered the XXXX balance to be paid in full. After several calls to their customer service, they ultimately reversed the principal-only payment, acknowledging the incorrect process, but will not reverse the derogatory credit reporting caused by their error. Due to this processing error on Home Point 's part, I do not agree with the negative assessment placed against my credit report. In my 3 years of home ownership, I have never missed a mortgage payment, or any other payment for that matter, and my credit score and history reflect that. Home Point 's lack of clear communication regarding the escrow update, making my mortgage payment a principal-only payment, and the lack of ownership for their processing error, makes it clear that they do not care about the average consumer. Attachments : 1. I have provided a copy of their statement that explains their " Partial Payment '' policy, in which they did not follow. 2. I have provided my payment statement that shows XXXX payments processed for the same amount as the XX/XX/XXXX, however, Home Point processed it as principal-only, unauthorized.
07/26/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IA
  • 521XX
Web
My mortgage company claims I had 2 late payments made to them on different occasions. Payments were made on time and I can prove it. the First late payment they gave me was in XXXX of 2018 because they apparently do not accept partial payments. however, I made partial payments in XXXX which they accepted. I had paid {$300.00} on XXXX and {$560.00} on XXXX. That one seemed to be fine. Then I did partial payment of {$380.00} on XXXX and {$500.00} on XXXX. The payments in XXXX, cleared my bank, then Home Point Financial refunded the payments to me ( in 2 separate payments like i had to them, but by the time I got the refunded money, the mortgage payment was already marked as late. When I called the person explained to me when I did this in XXXX they accepted it and said a letter was sent out, but after looking further admitted that the letter was generated automatically, but was actually NOT sent out. So I had way of knowing this was not acceptable to make partial payments, which in my mind they had already accepted. The next late payment was in XXXX of 2018 as well. I made the payment on time, but noticed my credit score dropped because I was marked as late. I immediately called them, as they payments was set up through my bank, and had cleared. Come to find out, Home Point financial again admitted to failing to send me mail about them changing their name ( to the same name ) but different address. The person said they would fix my account, and they sent me a refund check for the amount they cash and I needed to resend it to the new address, but that because of the circumstance i wold not be marked late. i received the refund on XXXX, put it in my bank and set up the new payment for the earliest date possible and it went out on XXXX to the new company for {$880.00} Between these 2 occasions my credit score dropped over 100 points, and both times are because of Home Point Financial not sending me mail notifications, and admitted to it both times. I disputed through credit bureau but they did nothing, they did not investigate, they just saw that payments were late. I have improved my credit a lot over the last 3-4 years and this has destroyed it
07/15/2015 No
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • PA
  • 19426
Web
As a first time home buyer, I was ignorant to some of the practices such as points. The only part I was aware of is that I understood that there would be a higher incurred cost. Though the broker we worked with may not have done anything illegal ( I do not have any legal or property background ), I would consider what was done unethical. I considered this person to be unresponsive to the point where I was reaching out to him more often than he reached out to my fiance and I. He made critical mistakes on the application that could have been simply avoided such as citizenship status and other identification information. My fiance and I had to point out the issues with the application and changes made came on our end. This process was less than conducive to a new home buyer. The worst part of this endeavor is when we tried shopping around for the best deal, which is our right to do so. We had a broker approach us about a particular rate and we asked the current broker we were using if he could match, giving him the opportunity to keep our business. He stated that he could without any mention of points. The other rate we were approached about had XXXX points. At this point, a few weeks went by after we had locked in our rate. We were unaware that the loan rate we locked in had points until it came time for closing and the cashier 's check we needed to pay was approximately {$4000.00} more than what we were quoted. We had not heard from him much during that elapse of time which was a period of approximately XXXX days. Due to previous arrangements made around house maintenance, we were cornered into paying this hefty amount which we would n't of had to pay if we switched brokers. There was n't any documentation sent to myself or my fiance, who are both borrowers on the loan, that there were any points. This was the only disappointing part of purchasing the home as the realty company/insurance company we worked with were exemplary. Due to this unethical practice, future loans on my part will not be leveraged through XXXX XXXX XXXX or XXXX XXXX and many of my piers looking for property will be warned against using them as well.
02/26/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 11010
Web
In XX/XX/XXXX, I accidentally, thru my personal bank, XXXX website, submitted XXXX mortgage payments in the amount of {$2500.00} each payment toward my XXXX payment to Home Point Financial. These payments were submitted on XX/XX/XXXX and XX/XX/XXXX. Upon realizing this error, I contacted Home Point Financial. We both agreed that there was an overpayment, and agreed on a refund. We agreed that out of the {$2500.00} that {$1300.00} would go toward an escrow shortage, and the remaining {$1100.00} would be put toward my XX/XX/XXXX payment. I have a letter from XXXX XXXX which shows this agreement. On XX/XX/XXXX, I submitted a payment of {$1400.00} to go along with the {$1100.00} that XXXX XXXX agreed to move toward my XXXX payment, which would have kept me up to date on my monthly payments. As of XXXX on XX/XX/XXXX XXXX XXXX has not moved the funds as they agreed to do. They are considering the {$11000.00} a partial payment and are not applying it to my XXXX XXXX payment. They have not yet moved my extra payment out of Principal toward my escrow shortage or my XXXX payment as they had offered and agreed to do. This is now causing a showing of a delinquency on my part. I am in the process of trying to refinance my mortgage through a private lender, and now my most recent mortgage statement is showing a late payment. I have reached out to XXXX XXXX a total of XXXX times to resolve this issue and it is still not complete. at XXXX on XX/XX/XXXX I made a payment in the amount of {$2600.00} from my checking account to XXXX XXXX just to not end up having a 30 day late payment against myself. I was given a confirmation number of XXXX from the representative over the phone. I asked for an email confirmation and she was told she was unable to provide that to me. XXXX XXXX as of this email has an extra payment of {$2500.00} plus a partial payment of {$1400.00}, along with the payment I made tonight in the amount of {$2600.00}. It has been over 30 days and XXXX XXXX has made no attempt to resolve this in a fair amount of time. They have had actually more money than needed and yet still causing a delinquency to show on my end!
12/13/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 94565
Web
Purchased new build in XX/XX/XXXX Property taxes were overestimated as they were currently reflecting low tax amount for vacant land ( uploading Monsoon Sheet for your review - shows low tax amounts for XXXX as {$2.00} : XXXX as {$200.00} ; and XXXX with new home as {$1600.00} ) In XX/XX/XXXX, XXXX XXXX assessed the land and the taxes reflected the home ( not just vacant land ) I asked for an escrow analysis as I knew there was an overage in the escrow account The loan servicer agreed, noted the overage, issued the refund check However, the escrow analysis showed the property tax estimate for XXXX to be {$10000.00} the ACTUAL taxes are {$1600.00}. This would INCREASE my monthly payment by about {$400.00} which is incorrect I called customer service and the servicers tax department on XX/XX/XXXX. I spoke with both XXXX and XXXX. XXXX let me know they had access to the current actual tax bill and was not sure why the estimate was over 5 times the actual tax amount I was told that they would adjust that to the correct and accurate amount by my next billing on XX/XX/XXXX That correction was not made. I called again, XX/XX/XXXX and spoke with XXXX, XXXX and the escalation team ( XXXX ) The result was I was told that the issue would be resolved I asked for this to be done before the XXXX payment is due as the payment should be LESS than it was before the escrow analysis that showed an Overage. as of XX/XX/XXXX, this correction has yet to be made. I have attached the XXXX tax sheet that shows the last few years tax amounts so you can see they currently reflect the new home as well as the escrow analysis ( see page XXXX for the XXXX estimated taxes in the amount of {$10000.00} ) And the current property tax bill of {$1600.00} I have also included a copy of the current mortgage bill that shows my estimated payment for XXXX to be {$2400.00} as opposed ot the current amount of {$2000.00} The XXXX servicing departments, on both calls, confirmed that they already had the current tax bill in hand and did not need me to send a copy. I expect that this gets resolved ASAP as they can not charge XXXX times the actual tax amount.
03/02/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • 808XX
Web
I refinanced my primary house on XX/XX/XXXX with Home Point Financial, aka Homepoint, who is, and was, the lien holder and one of the nation 's largest mortgage lenders and servicers. The auto draft of the prior existing account drafted on the XXXX for {$1600.00}. I called and asked them to refund my XXXX payment and stop the auto drafts. They issued a refund to the wrong mailing address. The payment was returned to them. I called on XXXX XXXX or XXXX and asked where it was. This is the date I learned of the wrong address situation. After talking with a representative from Homepoint, she said they will put a stop on the check that was previously issued and mail me another one to the correct address. I called today, XX/XX/2021, and asked about the status of my refund. The 1st rep. said that it was still being reviewed. I asked why, he said he didn't know, just that it was under review still. I told them that I want to talk to his manager or someone that can find out why. He transferred me to the escalation department. She said that no one has looked at it because of the storm over a week ago. I said that someone needs to get on it and overnight it. She replied, that they do not do that. I expressed my displeasure in how they are handling this and that we are not just talking about {$40.00}, we are talking an entire mortgage payment of {$1600.00} and that it has been 2 months. She assured me that she can do nothing to speed the process up, that they will cancel the check ( which should have already been canceled ) and issue another one. It will get to me when the post office gets to it. I asked again for an overnight or a wire, I was denied again. I asked for her manager, she said she will let him know to call me. In a time of Corona Virus, forbearance, loss of jobs and hard times for many many Americans, it is sad and frustrating that big companies like this take advantage of their customers, ignore them and treat them like they don't matter. When people can't even make mortgage payments, this mortgage companies hold mine for over 2 months. Would they give me that long of a grace period?
07/26/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MI
  • XXXXX
Web
Home Point Financial 's servicing agent XXXX XXXX sent me a Notice of Servicing Transfer which was inaccurate. The servicing agent also made multiple misstatements which misstatements made it impossible for me to timely pay my mortgage and more difficult to make my mortgage payments at all. First, they admitted in my prior complaint that their escalation specialist incorrectly and deceptively told me repeatedly that I could only make my first payment by mailing a check. In fact, eventually I made the payment by means of a check by phone. Second, the same agent on XX/XX/XXXX lied by telling me that my first statement had been mailed to me on XX/XX/XXXX. In fact, the notice of servicing transfer is dated XX/XX/XXXX and the first statement was dated XX/XX/XXXX. Their agent simply said whatever he thought might get me off the phone and without regard to truth. Additionally, their servicing transfer notice deceptively says Home Point " began accepting payments from you on XX/XX/XXXX, '' but in fact, they said they were unable to accept a payment on my account during my call on XX/XX/XXXX. I had called twice between XX/XX/XXXX and XX/XX/XXXX trying to make a payment, but they could not even find my account the first time and the second time they found it but insisted I could not make a payment except by mail and with an invoice that they had not yet sent. Further, on this call, they confirmed my phone number, but I specifically told them I did not consent to atds or pre-recorded voice calls on my cell phone. Before I received my first statement in the mail, they violated the tcpa and called my cell phone with an atds and left a message for me with a prerecorded voice. This was a willful violation and is subject to a {$1500.00} statutory penalty. I never consented to auto-dialer or pre-recorded voice calls to my cell phone. Taken as a whole, their servicing is incompetent, untruthful, and illegal. I 'd like an acknowledgement of their servicing errors and misstatements, of their violation of the tcpa, and a credit of {$1500.00} to my account as a result of their willful violation of the tcpa.
09/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • WI
  • 53217
Web
On XX/XX/2020 I called Home Point Financial 's office in regards to options for people who had experienced hardship due to XXXX. There was an automated message and prompts to apply for a forbearance. After following the prompts and completing my request for forbearance I was advised that there was no further action needed and that I would be receiving paperwork in the mail. The information given through the prompts put me under the impression that the forbearance would go into place effective immediately meaning XXXX. I never received the requested forbearance information in the mail. I was very surprised when a late payment was reported to credit and our credit scores plummeted XXXX points. Again the call tree message did not state that a forbearance did not start until XXXX. Once I saw that my XXXX XXXX dropped I immediately called on XX/XX/XXXX, made the XXXX payment and inquired on how I could get this late payment off of my credit report. The person I spoke to had no record of me calling on XX/XX/XXXX. I sent an email to request this be taken off of my credit report on XX/XX/XXXX to XXXX and followed up with more emails and phone calls. I got a response on XX/XX/XXXX stating " You say you inquired about going on a Forbearance on XX/XX/2020 through our automated system and you assumed the payment for XXXX would take into effect. It was the near the last of the month and unfortunately it could not include the month of XXXX because it was the end of the month. You will need to open contact the XXXX credit bureaus, they will then do an investigation regarding this issue and will contact you with their results. We are sorry for any misunderstanding this may have caused you. '' I disputed this with the credit agencies and it has not been removed. I had not had any late payments with this mortgage for 2 years prior. Based upon that fact the phone prompts were misleading this negative report should be removed from my credit report because it is Home Point Financial 's responsibility to provide correct information so that customers can correspondingly make correct decisions.
01/30/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 22015
Web
In XXXX XXXX XXXX the company that was working with our mortgage, XXXX sold our loan to XXXX XXXX XXXX HomePoint Financial Corporation. Our first payment of {$1800.00} with them was due XX/XX/2021 and we use automatic bill payment from XXXX XXXX XXXX. HomePoint Financial Corporation claims they never received that payment. It is always to be two years since all this ordeal started. I have reached out to HomePoint Financial Corporation countless times by phone, email, faxed proof of payments and all documents I have. I have also reached out to XXXX XXXX XXXXXXXX to send proof of payments, but Homepoint keep saying we are behind on our payments. I am sick and stressed by this situation. Every month we receive a statement showing we are behind XXXX month on our payments. But that is not true. We have been always on time to pay our mortgage, even at the beginning of the pandemic, when I was laid of from my job. It is impossible to deal with this company. They do not assign one person to work on your case. Every time you reach them, you are talking to different people who are not familiar with the reason your are calling for and you have to explain yourself numerous times. They don't give you a last name or a direct extension to reach them. Same happens when you write an email to them. A different person responses to your emails. I have kept all the documents I sent to HomePoint Financial XXXX. I need help, because I do not know what else to do. We can not afford a lawyer to help us with this and it is not fair to pay an extra month of mortgage, when we have never been late on our monthly payments. My husband and I are working people trying to makes ends meet and paying all our bills on time and we have never been late to pay our rent, when we rented a house for 10 years. The same way, we have never been late paying the mortgage of this house we bought almost 7 years ago. We never had a problem with our previous loan companies until our loan was sold to HomePoint Financial Corporation. This has been one of the worst things that have ever happened to or family.
02/11/2018 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • GA
  • 30115
Web Older American, Servicemember
We Closed on a {$260000.00} XXXX XXXX on XX/XX/2016 with XXXX XXXX, due to an enticement of $ XXXX XXXX credit at closing ( see attached closing document ) which I was told would fund my property tax & insurance escrow & payments , among other items. I was told by the mortgage broker, XXXX XXXX, that I had to have an escrow to receive the full funding and I could cancel the escrow in the future because my loan to value was only 30 % - 40 %. I would NOT have accepted the mortgage without that proviso. This is supported by verbiage in the closing documents ( attached ) which states, a ) " For now, you will have an escrow account ... '', and on the same page, b ) " In the future, you may be able to cancel your escrow account, but if you do, you must pay your property costs directly. '' I am prepared to do this, as I have had many different homes & mortgages for XXXX years and have always paid my own taxes & insurance. In XX/XX/XXXX XXXX merged with HomePoint Financial, who now services the mortgage, and is now requiring a significant increase in my payments to cover their required " cushion ''. Upon receipt of this significant increase notification, I called to cancel the escrow & was told by a customer representative I could not, as this was a HomePoint Financial requirement. I explained those were not the terms of my mortgage and that didn't matter. I spoke to a HomePoint manager in XXXX, TX, XXXX XXXX, who reiterated the HomePoint policy of required escrows. In addition to being in breach of the contract we signed with XXXX, which contract survives their merger, I believe that this is merely a mechanism to slowly regain the funds given to me at the original closing by retaining thousands of " excess '' dollars of my money in their reserves earning interest & gains for them versus in my accounts. Im sure they take this unlawful and unethical approach with as many customers as will let them. With as low of a Loan-To-Value ratio as ours is, 30 % - 40 %, they have zero risk of losing money due to non-payment of taxes or insurance.
07/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 07306
Web
1. ) back in XXXX of XXXX Home point ( H.P ) was servicing 2 of my loans both were being auto drafted from my checking account. 2. ) H.P has 2 locations one in XXXX NJ, and one in XXXX Texas, so they switched serving the loan from the XXXX, NJ location to the XXXX location, this transition period took place during the missed payment period XXXX of XXXX, however, I was not made aware of this transition.. 3. ) They claim that they sent me letters, and they also claim that they called me 35 times on my cell and my land line. and i said to them that i do not have a land line that takes calls it is a land line set up for a fax scan. only. I also asked them if you called my land line you should have known that it connects to fax not a phone. so then i asked why would you not fax the communication when you were calling the land line knowing that it giving a fax single, i also asked how many time did they call the land line and how many times did they call the cell. they did not reply. 4. ) They claim that they sent me a goodbye and a welcome letter which i replied that i never received or that it may have been delivered to wrong address or not delivered at all. I also requested to see the letters that were composed and the proof that they were mailed to me. they never replied, 5. ) so during this transition from H.P of XXXX NJ to H.P XXXX Texas the scheduled auto draft was not executed, so as a result H.P is reporting that i was between 30 and 59 days late. So now this has negatively effected my credit in meeting the eligible criteria.for certain loan products, and it stay on my report for 7 years. 6. ) Once i was notified by letter that the payment was not drafted i called right away and settled the missed payment and current payment. 7. ) I have sent in numerous request to home point explaining these circumstances on XX/XX/XXXX XXXX XXXX. It seem that they have the ultimate say where they think they have the power to be the judge and jury. 8. ) I am hoping that you will be able to help me regarding this matter with H, P
03/13/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60510
Web
On XX/XX/XXXX we refinanced our home mortgage. The servicer on the previous loan has not returned our escrow refund. We have called several times and each time, they tell us a different amount that we are due, and they give us a different date as to when we can expect the refund check to arrive. We now believe that they may be lying to us because after several phone calls made to XXXX XXXX XXXX, finally on XX/XX/XXXX we were able to speak with a supervisor, XXXX XXXX. XXXX XXXX stated that a check was finally mailed to us on XX/XX/XXXX. However, as XX/XX/XXXX, this check had not been received. On XX/XX/XXXX, I emailed XXXX XXXX and asked her to provide me with the check date, check number and a copy of the refund check that she claimed to have mailed, so that I could be reassured that the check was in fact mailed. I also attached an XXXX document with an analysis of the escrow history ( which matched the analysis shown on their website as of XX/XX/XXXX within 1 day per diem ) and asked her to confirm that this would be the amount of our refund since our analysis was several hundred dollars higher than what XXXX XXXX told my husband it would be when they talked on the phone on XX/XX/XXXX. I requested that XXXX XXXX respond to my email inquiry by XXXX XXXX on Monday 3XX/XX/XXXX. I did receive an email response late on 3XX/XX/XXXX. However, XXXX XXXX did not include the check information that I requested and stated in the email that our refund had been cancelled and that a new one would be issued. Quite frankly, I do not believe that XXXX XXXX is telling the truth and highly doubt there was ever a check issued at all. She said that we would receive an analysis of the escrow before disbursement but never bothered to say when this would happen. Our closing was on XX/XX/XXXX and Home Point Financial received their funds on XX/XX/XXXX. That is well over 5 weeks ago. What is most unsettling is that they are very hard to reach by phone, and when we do finally get to speak with an actual person, they give us false information.
01/27/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 21214
Web
I purchased a home and went to closing on XXXX XXXX, 2016 with Home Point Financial Corporation based out of XXXX, NJ. Communications, processes and overall professionalism have suffered from that point on. My insurance payment, that was collected at closing, was sent to an unknown address, with no policy number associated with it. In turn, my insurance payment was never processed and my home insurance policy was cancelled. Home Point determined it was my responsibility to track down the missing insurance check and have it applied to the correct account. After speaking with several insurance agents and several weeks later, I was able to resolve the issue ; Home Point offered no assistance in this process. I have recently received a correspondence that states : I now owe upwards of {$3500.00} for escrow shortage or padding of the escrow account ( they ca n't explain which XXXX ) ; this would increase my monthly payment by over $ XXXX month. These are not the terms agreed upon, nor is this an industry standard. It appears that this office has yet again not done it 's due diligence in correctly acquiring tax information or providing the buyer with the correct financial terms. Had I been given an accurate financial picture I could have made an informed decision based on the presented terms or gone with a different mortgage provider. I was not given the correct terms, the office personnel, which failed on my behalf are now attempting to leave me holding their mistake. I have only been in the home for 6 months, I have made every payment on time. I can not afford the terms they are trying to lock me into at this point. I understand escrows fluctuate, but what they are doing is unacceptable. They are not providing me substantial evidence on this wild variance in escrow figures/difference. I have not been treated fairly or with respect. I am not sure how many other customers have been treated this poorly and mislead on the terms of their mortgage. It would appear these practices are out right illegal, hence my complaint.
06/14/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AL
  • 350XX
Web Servicemember
The company Home point Financial Corporation is undergoing changes and transferring to new systems or new servicing of our mortgage loan. This would be fine but there are problems. I updated my home owners insurance this year in XXXX at the expiration date, and it was considerably less than the year before. I did this to avoid a shortage in my escrow account, however, this did not help due to this company reviewing in XXXX instead of XXXX. I called repeatedly, and asked what the shortage in my account would be and if I could get a new analysis ran, and they offered to put in two tickets for me. Unfortunately, this all happened during the time of transition of our loan to their new systems. I called prior to transfer on XX/XX/27, and spoke with a supposedly escalation specialist, XXXX XXXX, about this. She put in both tickets, and took a payment of {$55.00}, she stated was the calculation of the escrow shortage with my lower insurance. I specifically asked her was this correct and would it be correctly, applied. To my account. However I call back today and find out none of this has been accomplished., I spoke with 2 people today, including a supervisor XXXX Id # XXXX, that stated he would send it all for review and get back with me? I have been trying to get this resolved since XXXX?? I need some help. I do not want my credit affected by this loan companys inability to help their customers or know what is going on from one system to the next. I do not want late fees, on my loan either. I was promised some type of answer on today, now they say two more days, while my grace period is going to run out, while waiting on them. Customers should not be affected nor given the run around while a loan / mortgage company goes through Internal changes or difficulty. I want to make sure the payments I make are going towards the right things and that my escrow account is revised correctly. Also this company does not even give any type of payment slip or options when the escrow review is sent or completed.
06/13/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33157
Web
My wife and I purchased our first home and closed on XX/XX/2021. The closer, XXXX XXXX, XXXX collected and sent the wrong flood insurance payment to XXXX XXXX corporate. Our local insurance company, quickly rectified the problem by collecting the extra {$600.00}, and re-issuing our Flood insurance declaration to HOMEPOINT FINANCIAL, our mortgage company. Unfortunately, XXXX also has several different insurance declarations for my policy, which is very confusing. HOMEPOINT FINANCIAL refuses to acknowledge that we have adequate Flood insurance and is about to make us pay for forced flood insurance, despite many hours of phone calls, emails, and three way communication calls with me, our insurance carrier, and HOMEPOINT FINANCIAL. We have received at least two or three threatening letters per month from HOMEPOINT FINANCIAL, telling us we have insufficient coverage, then sufficient coverage, then insufficient coverage, then sufficient coverage, etc. On my most recent call to HOMEPOINT FINANCIAL last Monday I spoke to XXXX who 3 way called XXXX XXXX, and was emailed the correct updated insurance declaration. XXXX assured me this problem was solved, that she sent and email to the department stating I had adequate flood insurance that that department had received the email and that I was going to receive one final letter stating HOMEPOINT FINANCIAL was cancelling the forced insurance. INSTEAD, I was sent a FINAL NOTICE LETTER, stating I will be charged THOUSANDS OF DOLLARS for FORCED FLOOD INSURANCE that I already have and have always had since we purchased this home. This is an absolute nightmare, I don't know what to do, or who to turn to for help. No matter how many times we contact HOMEPOINT FINANCIAL, or what we send to them, THEY REFUSE TO ACCEPT mine, or XXXX XXXX binding legal flood insurance documents as proof of insurance. HOMEPOINT FINANCIAL seems bent of ILLEGALLY STEALING OUR MONEY. PLEASE PLEASE PLEASE, SOMEBODY HELP US!! Is there any way to prevent HOMEPOINT FINANCIAL FROM STEALING FROM US???
04/19/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MO
  • 64015
Web
I closed on my home in XXXX of XXXX and the loan was quickly sold to Home Point Financial. I received my first escrow analysis statement in XXXX of XXXX showing a very large escrow shortage, causing my monthly payment to increase by over {$250.00} starting in XXXX of XXXX. Examining the statement further along with the closing documents from when I purchased the home, I saw that the problem was that Home Point made a duplicate tax payment to my county. This payment was unnecessary due to the title company already making the payment when I closed on the home. I contacted Home Point immediately and the process took nearly 5 months to complete. Initially Home Point told me I needed to contact my county, then my county told me I needed to work it out through Home Point. I called Home Point many times throughout this process for updates. Each time I was told there was a note in the system that everything should be completed by a certain date. I would call back on that date and of course it wouldn't be complete. I asked every representative I spoke with, including managers, to proactively contact me when there were any updates on the situation and not a single representative or manager called me at any point during this process. At long last, the county sent a refund check and Home Point processed a new escrow analysis to bring my payment back down, but I had to make 2 mortgage payments at the higher and incorrect amount while this was being " worked on. '' I asked multiple representatives including a manager named XXXX if I would be able to be refunded for the extra amount I was being forced to pay due to their mistake, and multiple times I was told " yes. '' I called today to ask about the refund process for the {$500.00} or so that I over-paid and was told that no refunds would be given. It was Home Point 's mistake that forced me to pay an extra {$500.00}, and their poor customer service and dishonesty has led to me just being out that money with seemingly no recourse.
04/05/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 604XX
Web
I have a mortgage with this company. The mortgage closed in XX/XX/XXXX. The complaint is in regards to MIP ( Mortgage Insurance Premium ). The mortgage insurance premium was supposed to be when the loan reached a loan to value ration of 78 % or lower and 60 months of consecutive on-time payments have been met. I have met both of these criteria. The previous mortgage company that sold my mortgage to Home Point said I met the loan to value criteria. And that MIP would be removed on the XX/XX/XXXXbill. The value and original loan amount was for $ XXXX. I currently owe {$160000.00}. Which makes loan to value at 73 %, which is also what XXXX told me. Well on XX/XX/XXXXand XX/XX/XXXX I am still getting charged the MIP of {$180.00} a month. I've paid this for 2 months when I should not have. I believe I will continue to pay this because Home Point is not responding to my questions or emails. The previous communications with XXXX were not copied over to Home Point Financial online portal when Home Point bought my mortgage from XXXX. I've sent the mortgage company multiple questions via their website. Attached is the latest communications that show they have not answered my question. I called Home Point a month ago asking about this. Had to wait 30 minutes to talk to someone. When I was finally connected to someone they were unable to help me. But said they would have someone call me in a couple days. Well they never called me. The person I spoke to also said if I mailed a letter to Home Point asking them to remove the MIP, they said they would remove the MIP. I mailed them a letter. They never responded to the letter either. The MIP is still on our account. Ive also tried to contact them via their portal. See attached. Home Point did not follow through on their commitment to remove MIP, did not call me like they said they would, and they did not respond to my letter like they said they would. I would like some assistance with the company meeting their commitments.
03/23/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • TN
  • 37013
Web Older American
There are a couple of issues with Home Point Financial : 1. My first payment in XX/XX/XXXX was lost because the wrong account number was on the coupon I was given at closing. When they found it nearly a month later and recorded it on my account nothing was deducted from principal, interest, or balance and nothing was added to escrow ( XXXX ). 2. I was told at closing to pay my homeowners insurance ( {$820.00} ) myself with the escrow money sent back to me after closing, which I did. Then Home Point paid my homeowners insurance and took money out of escrow ( as should happen ). However, when the insurance company refunded the money to Home point the did not return it to my escrow account. These XXXX items total {$1100.00} that should have been in escrow but was not. I have contacted them several times over the last year allowing them their usual 4-6 weeks to investigate, but there has been no resolution. The last time I contacted them I sent copies of my account with the issues highlighted along with their letter to me telling me they had the wrong account number on my coupon at closing and asked them to re-audit my account. Their response was a letter from them 4 weeks later stating that my inquiry on of my account shows my next payment is due XX/XX/XXXX in the amount of {$1100.00}. The payment has increased {$100.00} per month because they said I was {$790.00} short of escrow money where I would have been ahead by {$330.00} if they had refunded the money they owed me. The {$330.00} would have been due to an extra payment I made in XX/XX/XXXX because they sent me a new bill within XXXX days of receiving my XX/XX/XXXX payment. I am XXXX years old, retired and on Social Security. With increases in my bills and no COLA increases in income I now do not have enough money to pay all my bills. I do not feel I should have to lose my house because Home Point Financial can not fix their errors and refuse to answer questions. Thank you for your consideration, XXXX
08/17/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MI
  • 48328
Web
I purchased a home in XX/XX/XXXX and my loan was purchased by Home Point Financial. The problem started in XX/XX/XXXX. Around XX/XX/XXXX I received a notification from a credit agency that Home Point had increased my balance. I was concerned so I tried to reach out to the company to get some answers. This is where the problem occurred. I called the number on their website and I spoke with a customer service representative who was unable to verify that I was a customer with Home Point. They transferred me to another agent who also wasn't able to confirm this information through any of my personal information or from the loan number that I receive on my bills every month. Their solution was that I must not have been a Home Point customer. I was frustrated but I called back when I had a printed bill in front me. The same thing happened. I was not able to get answers as to why my balance was reported increased ( even though I hadn't done anything ) which was frustrating but even more concerning was that no one that I talked to could give me any informatino about my account or why they were unable to confirm I was a customer with them. An customer service representative mentioned I must have been affiliated with another company and supposedly transferred me to that company. It was actually just another Home Point Representative who was also unable to verify my account. I ended up giving up and getting logged into my online account and made sure my balance hadn't increased. I was satisfied with that since I had access to my account online. I just tried to get logged into my account online and it appears they have changed their platform so all users ( including already registered users ) had to re-register. I tried to do this and again they said they were unable to verify my account. I just want the service I deserve for paying for this service. I need access to my loan and I need to speak with someone who can help me within Home Point Financial.
05/17/2018 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • FL
  • 335XX
Web Servicemember
In XX/XX/XXXX we contacted home Point Financial which is our mortgage servicing provider to ask them about a forbearance program due to Hurricane Irma. We were advised in XX/XX/XXXX early XX/XX/XXXX that we were approved for that but that we would have to repay that come XX/XX/XXXX. However, my husband lost his job due to the company closing and then contacted home Point again to ask them to start the benefit package through the VA to cover a mortgage until he gained employment again. We then waited and waited and waited made multiple phone calls in regards to the package they were supposed to mail us out to fill all of this documentation out. We finally received the package late XX/XX/XXXX. We filled it out sent it in and was requested by them multiple times to continue to update the information because it had been so long since they have looked at the package. There was never one direct point of contact for me to call and follow-up with. Then in XX/XX/XXXX when my husband gain employment I went to log on to make an online payment and they had locked us out of the system. Then from XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX until now I was calling them asking to make a payment and they told me I could not do so because we have been in underwriting and we were told to wait until we had a decision. Then, yesterday I received a call from XXXX at home Point Financial and she stated that we were denied the VA package due to income ratios. She then stated that they would start the foreclosure process and it could be done in weeks if not months. I then contacted XXXX at the VA and she pulled up our loan information and saw that we've had no modifications and nothing done to her alone so that we are still in the parameters of receiving benefits to prevent foreclosure from the VA. We are doing everything we can following up with phone calls trying to make payments and here we are being told that we have no other options. But I know that there are!!!
09/24/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60653
Web
On XX/XX/18, my husband and I purchased our home using {$360000.00} of mortgage proceeds from XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The purchase price of the home, supported by the appraisal, was {$400000.00}. At some point in the next several weeks our mortgage was sold to Home Point Financial Corporation. On XX/XX/18, after selling our condo, we sent certified funds of {$39000.00} to Home Point to pay down the principal of our loan. This payment, along with the regular monthly payments to date, brought our XXXX ratio down to 80 % based on the original value of the home. We also provided a check for {$150.00} for a new Broker 's Price Opinion to verify the value of our home and requested the removal of the private mortgage insurance of $ XXXX. However, the XXXX provided by the company engaged by Home Point showed a new home value of {$350000.00}, a drop of {$49000.00} in less than 6 months. Upon closer review, it became apparent that the XXXX used inappropriate comps. Our home is a rowhouse with no association fees, but the XXXX only used townhouses with association fees as comps. The presence of association fees has a significant impact on the value of the homes. I brought this to the attention of Home Point via email on XX/XX/18. After repeatedly following up, I finally received a response from Home Point on XX/XX/18 stating that the XXXX is accurate and we would need to pay another $ XXXX in order for the PMI to be removed on our mortgage. I've asked for further information regarding the XXXX but received no response. I've also asked for the contact info. of an individual at Home Point, but only receive unsigned communication from a general Home Point email address. We have made all required monthly payments before they were due. We can not help but wonder if Home Point is getting a kickback from the private mortgage insurance provider by ordering erroneous XXXX 's and refusing to remove PMI requirements.
05/01/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • MI
  • 498XX
Web Servicemember
My mortgage began the latter part of XX/XX/XXXX, with first payment due to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. This payment was made before XX/XX/XXXX ( see attached document ). Mortgage was then soon sold to Home Point Financial ( HPF ). HPF said that they didn't receive the XX/XX/XXXX. payment from XXXX, and has had me showing as late since that time. XXXX sent me documentation via email that I had, indeed, paid the XX/XX/XXXX. payment ( again, ( see attached document ), and verified that that payment was sent to HPF. I explained this to HPF, who said that they don't see it and that there's a 30 day grace period for such matters. I was told that their online payment system would not accept any current month 's payments, only the " past due '' month 's payments. So XX/XX/XXXX rolls around, I make a payment just mentioned to HPF ( see attached document ). Instead of a payment for XX/XX/XXXX, it shows as being for XX/XX/XXXX. XX/XX/XXXX comes, and I make another payment to HPF ( see attached document ) and again address the issue. Again, same story from them, my payment only applied for XX/XX/XXXX. I explained that I have proof of payment, and was told that that doesn't matter, they don't see the payment in their system. In late XX/XX/XXXX I get a letter from HPF that I'm past due and they tacked on a {$42.00} late fee. On XX/XX/XXXX I go in to my online HPF account to make a XX/XX/XXXX payment and there's no link to make such a payment and it says that I am 29 days past due and late charges ( see attached document, " HPF Page 1 '' jpg ). I don't know what to do, outside of getting an attorney. I've discussed this matter with HPF about 4 times and sent an email today regarding this issue. Has my credit and character been negatively affected? Is HPF anti-veteran, or do they just choose to financially abuse veterans in this manner? NOTE : Mortgage company address may be incorrect as they have 5 addresses.
05/25/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • DC
  • 20001
Web
Home Point incorrectly put lender-placed insurance on my account, causing my monthly payment to skyrocket. I emailed Home Point proof of insurance on XX/XX/XXXX, and on XX/XX/XXXX, a Home Point Insurance Processing Associate ( XXXX XXXX ) emailed me the following email : " Thank you for contacting Home Point Financial, also thank you for providing the insurance information. The account has been updated and the documentation has been saved in our system. The Lender Placed will cancel, you will received a letter and the funds that were charged against you will be refunded. '' However, Home Point has not refunded me the charges, and in fact, is still charging me for the lender-placed insurance. I have literally spent hours on the phone with Home Point trying to resolve the issue. During one call a few months ago, a Home Point representative assured me that I would receive the full refund in XX/XX/XXXX, after they do an escrow analysis which was scheduled for that month, and that my mortgage statement would reflect the proper amount at that time. I have not yet received my refund and my statement still reflects the incorrect amount with the lender-placed insurance on it. Yesterday, a representative at Home Point told me that I will continue to be charged the lender-placed insurance until XX/XX/XXXX. The representative also told me that I should have received an escrow refund check in the amount of {$800.00} in XX/XX/XXXX, but I have not received any check from Home Point, and the amount that Home Point owes me is closer to ( if not more than ) {$2000.00}. The representative then told me I would have to wait until next XX/XX/XXXX to receive the remaining amount, because they only run the escrow analysis once a year. I'm at my wits end. I've called dozens of times and have been incorrectly charged thousands of dollars for lender-placed insurance. I don't know what else to do. Please help. Please.
10/10/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • 80403
Web
I received a call from a Home Point Financial Representative on Monday, XX/XX/2018. The representative called to inform me that my XX/XX/2018 mortgage payment had not been received, but it still was not considered late as it was not the XXXX of the month. I quickly looked at my on-line banking and saw that it had been sent out on XX/XX/XXXX. I did not see any possible red flag on my banking register. After further investigation, I discovered that it was my XX/XX/2018 that had not been paid and was indeed past due. In XX/XX/2018, I INCREASED my automatic withdrawal mortgage payment to {$2000.00}, with the extra amount to be applied to my principle ; which was noted on my check memo line of payment. As a result of this change, my XXXX payment was inadvertently deleted, causing me to miss my XXXX payment. Thus Home Points representative was mistaken when she told me that my XXXX payment was not yet late because I had until the XXXX of the month. Please conduct a review of my account and the telephone call and review the servicing recording to corroborate this information. In addition, I recently received a refund amount of {$51.00}, notwithstanding the fact that I wanted the extra amount to be applied towards PRINCIPLE REDUCTION. It appears that Home Point is attempting to avoid my principle reduction. In over 20 years of having a mortgage I have NEVER missed a single payment. I never received any information or notification from Home Point Financial about a missed XXXX payment- until mid-XXXX, and even then, the communication was incorrect as the representative indicated XXXX was late. My contact information was up to date at Home Point. I personally spoke to a representative on the phone in XX/XX/2018 to ensure all contact information was correct. Why no courtesy call or correspondence in XXXX? Home Point Financial refused to look into this matter, and simply rejected all discussion.
11/10/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • OH
  • 446XX
Web
I lost my job in XX/XX/XXXX. I wasnt able to make my mortgage payments as of XX/XX/XXXX. My mortgage company is HomePoint Financial. I was put in a program that allowed me to have the payments placed on hold for 6 months. After the 6 months, I still was unemployed and unable to make payments so I requested an extension. I was told I had to apply for the Loss Mitigation program. I have been going back and forth with my mortgage company since XXXX about this program. At first, it took them over a month to send me the paperwork to fill out. I received phone calls almost every day about my unpaid mortgage during that time. Since then, Ive been sending in the packet of paperwork and additional documents at least 1-2 times a month. Ive emailed them and mailed them. Most of the time they tell me they never received it. Theyve told me Im missing documents a few times, even though I keep copies of what I send and I have all the paperwork they requested. Theyve also told me the paperwork they received only scanned half of each page. I contact them after I send in my information, to make sure they get it. At this point, I feel like theyre just messing with me, or they are purposely trying to not let me in this program. Its very frustrating and unprofessional. This last call I was on today, I was hung up on. I was called, again, because they havent received the paperwork and documents I emailed on XX/XX/XXXX. I called last week to check on it, and I was told to call back on XX/XX/XXXX to see if its in the system ... Im ready to change companies, but Im not sure if thats possible. Im just so frustrated with this process. I am already struggling with money, and they are making things more difficult and adding unnecessary stress and anxiety. I usually speak with XXXX, Ive spoken with XXXX, and also others that I did not record their names. I want to stay in my home and not have to worry about foreclosure.
12/19/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 070XX
Web
During the month of XXXX I was contacted by my mortgage company, Home Point Financial, stating that my payment was past due. I checked my bank account since I have it set up for automatic payments and noticed my account was actually debited. I called and the service representative said that my new payment amount was around {$3100.00} which was a {$900.00} increase from what I had been paying. I asked why and was then transferred to the insurance department only to find out that they had mistakenly applied Lender Placed Insurance to my account causing my escrow balance to be in the negative. After over an hour on the phone the insurance rep. said she will fix it and order a new escrow analysis. About 30 mins later I get a call from the mortgage company again stating my payment is past due ... obviously had no clue about the 1 hour conversation I just had. I proceeded to explain again, at which point she told me I should still make a {$950.00} payment until everything was cleared up to avoid any issues and they will refund me once that was done ... so I did. Fast forward a couple of weeks, my XXXX payment is kicked back when I call I have another new payment amount hence the automatic payment didn't go through and it was still for a different amount. I call get bounced back and forth, call 3 times, send internal messages and nothing. Now I've been charged a late payment fee of {$69.00} and the last representative, XXXX, told me to continue calling for status updates and when it is cleared the fee will be reversed. I asked to speak to a supervisor, he told me there were a call center and one was not available ... to which I responded " so you're basically telling me that due to a mistake the company made I can not submit my payment and my hands are tied because you don't have an escalation process '', he replied " yes, I'm sorry ma'am ''. Awesome customer service ... NOT.
01/05/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • OH
  • 44138
Web Servicemember
I have a VA loan with Homepoint ( formerly Homepoint Financial ). Pursuant to the CARES Act, I requested and received a six-month forbearance on my mortgage beginning in XXXX, and running through XXXX, XXXX. I have received documentation from Homepoint confirming my forbearance. Notwithstanding my documented forbearance, Homepoint has been sending threatening communications to me in which they claim my payment is late. When I call, representatives for Homepoint claim that I can " disregard '' the notices because I am in forbearance. This includes the last notice I received in which Homepoint threatened to initiate foreclosure proceedings. I again was told to disregard this notice, and that Homepoint can not stop these " automatic '' forms from being issued. Homepoints actions violate the spirit and letter of the CARES act, as well as the consumer protection laws of my state. Servicers such as Homepoint are obligated to provide a CARES Act forbearance if : ( 1 ) a borrower requests forbearance, and ( 2 ) the borrower affirms financial hardship due to the COVID-19 emergency. They may not lawfully coerce or threaten borrowers into making payments despite their forbearance. While I ( as an attorney ) will not be dissuaded from exercising my rights, Homepoint does not dispute that it is threatening to foreclose on borrowers who exercise their rights under the CARES act. How many borrowers have made payments they are not required to make out of fear of foreclosure? Homepoint could fix this problem, but I suspect that they gain more by letting it go than addressing it. Short of my filing a class action on behalf of Ohio borrowers under state law ( as I understand the CARES act to offer no private cause of action, see XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX, XXXX. XXXX, XXXX ) ), action by the CFPB is urgently needed.
06/03/2021 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • TX
  • 754XX
Web Older American, Servicemember
My wife XXXX and I have a VA loan processed through Home Point with an excessive amount of property involved with securing the load as well as accumulated equity. Now, at age XXXX, I am manifesting the results of XXXX and XXXX XXXX received in XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. ) It is our desire to sell some 10 - 15 acres of the excess property so that we may make changes to accommodations in our home and to travel a bit across the country - while we still can. My problems with Home Point have been going on since XX/XX/2018 when they did not honor the Disabled Veteran Tax exclusion issued in Texas. After several phone calls I spoke with an " Escrow Expert '' and reached a settlement over the phone that like several times throughout out financial relation has not been reflected on paper. We have three buyers of our pasture land that is a part of our loan waiting to go to closing. I was told there would be no problem in the releasing of those 15 acres but at the meeting we discovered that no action had taken place. The title company made phone calls while we set there in her office to see what the hold up could be, she was given phone numbers to what turned out to be irrelevant government agencies, rather that the proper department at Home Point. But the next Monday they ( XXXX XXXX XXXX notified me that Home Point had certain demands to even " consider '' the release with no guarantee that the XXXX fee would be honored, but, was only to consider the possibility and that if accepting my written request there would be other fees associated. I drafted the letter and placed it and answers to a form in XXXX I have not heard from Home Point as to even their receipt of the request. So, I'm asking you to ask them to get the lead out and release these few acres so that the buyers can move forward with their plans and so can we.
03/06/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 44266
Web
In late XX/XX/XXXX after receiving my homeowners insurance renewal policy from XXXX XXXX the policy premium had increased over {$800.00} a year. I contacted my agent who quoted me through XXXX XXXX XXXX at a rate of {$1400.00} a year. I changed policies. I notified Homepoint via phone not to pay my XXXX renewal and was advised to send an email with the new declaration page. I did. However, Homepoint paid the XXXX policy and then also the XXXX XXXX policy. I received the refund at my home address from XXXX for {$2300.00}. I contact Homepoint and was advised to transfer those funds to them which I did electronically with check over the phone XX/XX/XXXX. The agent I spoke to said she would request an escrow analysis since there was over an {$800.00} difference in the insurance policies that I would be due a refund from my escrow. I waited almost 2 months before contacting Homepoint again. I called the end of XXXX - the XXXX I believe - and was told the matter was closed as of XX/XX/XXXX and no refund was due to me. I went through the numbers with the agent on the phone, she agreed and said she would escalate it to a manager. I called again on XX/XX/XXXX after not hearing anything from Homepoint and was told it was set for a resolution on XX/XX/XXXX. I did not hear from anyone. I called again today XX/XX/XXXX and was told I am not due a refund. The math is as follows : My current escrow balance is {$1000.00}. My escrow obligation each year is {$1400.00} for insurance and {$1400.00} each cycle for taxes making my obligation {$4300.00} a year. They are currently posting {$350.00} of my {$1100.00} payment to escrow. With a current escrow balance exceeding {$1000.00} my escrow is well overfunded for XXXX and I would be due a refund under RESPA. I stated that to XXXX ' the agent I spoke to today and he stated I am incorrect.
01/02/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AZ
  • 85249
Web
In XX/XX/XXXX, I purchased a home in the XXXX, Arizona area. I work for a XXXX XXXX and due to the Government shutdown, I was not able to pay my XXXX mortgage payment. I have attempted to work with the current loan company but they have not been helpful. I am still unable to make my payment. However, upon coming across this issue, I am also trying to sell the home I am currently living in. It is listed for sale for the past 2 months because of medical issues I was also having previous to the shutdown. In that time, the relationship with my boyfriend ( non-marriage or in process of marriage ) had ended in XX/XX/XXXX. I am the only one on the loan but had added my boyfriend to the title in XX/XX/XXXX. My boyfriend gave me a gift of {$40000.00} to purchase the home for us from the sale of his previous home ( see attached gift letter ). Since the end of our relationship, my previous boyfriend has sought legal counsel to get his money back from me despite signing the gift letter. He also reached out to the lender that issued the loan to me and had him sign a letter saying the money was a gift and should be retured to my previous boyfriend ( see letter from the lender attached ). I can't help but feel that my previous boyfriend and lender conspired against me from the beginning. The lender acknowledges he was trying to satisfy " the guidelines '' to get the loan approved. I truly feel this is fraud committed by the lender and a conspiracy to extort money from me. I further feel this was a scheme planned out by my previous boyfriend with assistance from the lender to take money and my home from me. I have an order of protection against my previous boyfriend for XXXX XXXX ; I am scared of his actions. I don't know what to do and need help while I try to sell my home. Thank you for listening and considering my concern.
03/02/2018 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • AR
  • 726XX
Web Servicemember
This email was sent to Home Point Financial and explains my complaint : After trying to call you on multiple occasions and being disconnected after 30 minutes of wait, I finally reached a voicemail and left a message about a letter you sent me that said I missed a payment, I have never heard back from you and it has been several days. I have never missed a payment on my mortgage and since you bought my loan nine months ago all of my electronic payments to you through XXXX XXXX have gone through. The last payment was credited to you on XX/XX/XXXX and I am about to send another payment for XX/XX/XXXX but I need to hear from you so that you can figure out why I was sent such a letter. If I dont hear back from you today I will be making a complaint to the CFPB about your practice of collecting my funds on time while trying to get me to pay an additional payment and late fees on a bill that has already been payed according to XXXX XXXX. Nothing has changed in the way I pay your bill electronically through XXXX online banking and you havent sent me anything that would indicate a change on your part. It is sad that you can not be reached by phone or through the internet as both where tried on your established phone numbers and website. You should be ashamed of your business practice of being unavailable after you send out erroneous late letters in order to prompt additional payments and fees on mortgage payments that are not late. I would contact the XXXX but I see you are not a part of that organization for obvious reasons. I hope I hear back from you quickly before I start contacting the state and federal resources that will answer the phone and assist me in getting you to respond about you erroneous late payment letters to home owners that require them to make another payment with erroneous late fees. XXXX XXXX
06/02/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 22193
Web Servicemember
XX/XX/XXXX, ESCROW ANALYSIS showed over {$600.00} shortage. This was right after mortgage was sent to different branch of Homepoint financial was closed due to illegal activities. Requested what happened to escrow? Received no reply. Property did NOT raise, nor insurance. County property taxes same as year prior, yet Escrow analysis in XX/XX/XXXX, shows another over {$600.00} deficit. All payments made before due date with additional principle.XXXX XXXX, sent money payemt with additional principle and escrow deficit. Homepoint applied payment & the rest to principle. Contacted Homepoint, informed of error, requested the escrow deficit be placed onto the escrow, the monthly payment should not change. XX/XX/XXXX, monthly payment went up. The additional principle & escrow deficit was put into unapplied funds. XX/XX/XXXX, the unapplied funds was dumped into the escrow, the monthly payment stayed at the increased rate applied in XX/XX/XXXX. XX/XX/XXXX, contacted Homepoint, identified the 3 errors in processing : 1. Escrow deficit not applied correctly, 2. 2nd time- additional principle & escrow deficit withdrawn from principle and placed into unapplied funds. 3. Unapplied funds dumped into escrow, but monthly payment remained raised. Homepoint stated they could not move from escrow to principle due to over 30 days. My solution was to return the money, my money, that was NOT processed correctly. The money was not part of any payment due, since Homepoint is more interested in siphoning property owners escrow accounts. There is a problem, since the escrow is NOT the mortgage company 's money, however, my escrow seems to lose over {$600.00} in a year. At this time, I an awaiting Homepoint to make a decision as to whether or not they are going to return my money. This takes 24 hours, starting at noon on XXXX XX/XX/XXXX.
01/27/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • 80528
Web
I refinanced my home with Homepoint Financial on XX/XX/XXXX. The notary was receiving new paperwork after we had arrived for Closing, and as such I had to repeatedly call my Loan Processer, XXXX XXXX, about incorrect information in the closing paperwork. One major point of concern was that our first payment was listed as being required on XXXX XXXX, instead of XX/XX/XXXX, as I had been told by my Loan Processor and in my earlier paperwork. During my Closing, XXXX provided me confirmation - verablly and in email - to sign the documents as is and that my first payment would be due XX/XX/XXXX. This was XXXX 's email to me : " I apologize for missing your calls. Homepoint gives a 2 month cushion for the first payment. Your loan is expected to fund on the XXXX of XXXX. Since funding will not take place until XX/XX/XXXX your first payment will be due on XXXX. You will receive documentation that will confirm the first payment due date and amount. Please dont hesitate to contact me if you have any questions and/or concerns. Thank you for choosing Homepoint. XXXX XXXX XXXX. '' On XX/XX/XXXX, I was notified by HomePoint that my first payment will be due XXXX XXXX, XXXX and not XX/XX/XXXX as explicitly described by the Loan Processor. I called customer support on XX/XX/XXXX and was told my issue would be resolved and my payment date changed and tha I would be made aware of this outcome within 4 days. I have since contacted Customer Support via phone and email multiple times. I've reached out to my Loan Processor who is out of office and hasn't returned calls, and I've reached out to XXXX XXXX, her supervisor, who has also not returned calls or email. At this point, my payment is due on XX/XX/XXXX, which is incorrect, and I am running out of time to resolve, with no path forward with HomePoint Financial.
06/18/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 913XX
Web
Back in XXXX I received a collection call from my mortgage company that my payment was short. I was told my escrow account was short and I needed to make it up with an immediate payment of {$1700.00} and my payments were going to go up around {$900.00} a month. I asked them to explain the shortage and they claim to have sent an explanation back in XXXX of last year. I told them I received nothing but there must be an issue with the transfer when they bought my loan out from the previous company last XXXX. I also told them I made a payment myself of more than {$7000.00} to the XXXX County tax assessor to pay my HERO loan and to get the deduction for 2017. They also were trying to collect a missed payment they didn't receive from my last mortgage company ( Plaza Mortgage ) which has since been resolved. I was not happy and told them I would make the payments to keep my credit in good standing and they needed to send a statement proving I still owed this amount in unpaid escrow. I also have asked multiple times to stop my escrow account and they have refused claiming their policy does not allow it under certain conditions I haven't reached. I reminded them their conditions don '' t apply since I signed a contract with XXXXXXXX XXXX not them. XXXX 's contract did not forbid me from their conditions of 2 years and 80 % equity or better. I also sent them the receipt for the credit card payment I made and they told me a check for more than {$3000.00} and a statement has been mailed. I have yet to receive either even though I've been told multiple times on the phone and by email the proverbial check is in the mail! And they still refuse to cancel my impound account and I was briefly given poor credit rating on TransUnion credit bureau for their mistakes and poor accounting.
07/11/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • OR
  • 974XX
Web Older American, Servicemember
Homepoint Financial Corp. transferred our mortgage to their service provider on XX/XX/2022. This change gave us a new acct no. We received 2 previous emails XXXX and XXXX stating that if our acct was autopay it will transition the autopay to the new acct and we do not need to do anything. It also stated that if our normal autopay was from the XXXX to the XXXX, they will run the autopay late for XXXX and it would come out on the evening of XX/XX/XXXX. I checked my checking acct on XX/XX/XXXX, and Homepoint took the autopay on the XXXX. Because of their email stating they would take it late in XXXX but they already debited our checking, I felt the need to call Homepoint on XX/XX/XXXX and be sure that there would not be any errors and them taking it out twice thus causing an overdraft. The CSR I spoke with assured me that if it was already taken out prior to the transfer, that it would NOT be taken out again in XXXX. Sat. XX/XX/2022, I received a text from XXXX that our acct was in overdraft status. We NEVER overdraft our account. I went into online XXXX and sure enough Homepoint ran the autopay twice in XXXX. They have no customer service on weekends so phoned them at XXXX Monday am. XXXX at Homepoint told me he saw a memo that this happened to other mortgages and that I would receive an email at any time on how they will resolve. I told him I want a supervisor as I need a wire transfer of this money back to my checking today. He told me he requested a manager to call me back. XXXX am, still no return call from anyone, no pending debit. XXXX am I left another message on the Homepoint return call line and as of XXXX am haven't been called back yet. This is unacceptable. This is not a small double payment, this is several XXXX dollars of an unauthorized debit.
02/27/2018 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 34481
Web Older American, Servicemember
I had a problem with mistakes made on my escrow assessment for next year. After finding all the mistakes I contacted my mortgage company.in XXXX of XXXX.After talking to three different agents I was finallly able to resovlve the mistakes. I was told by the last agent that the corrections would be reflected on my XX/XX/2018 statement. The corrections were made but they didn't make the adjustment on my monthly payment. Most recently I talked to an agent on XXXX to inquire about not receiving my monthly statement. She informed me they would be in the mail by end of the week.I told her that was not sufficent time to make my payment which due XXXX XXXX. All she could say was she was sorry. I ask to talk to her supervisor. She informed me he would have to call me back in an hour. I neverreceived a cal until five hours later. After explaning everything to the supervisor he said he had to get with the escrow people and would call me back XXXX XXXX. After waiting all day I did not receieve a retyrn call On Monday XXXX I calledmy mortgage company again. After waiting for a half hour I finally was connected with an agent. After asking him why the supervisor didn't call me he informed me they were very busy. I asked to talk to his supervisor and he said there wasn't one on duty. I asked the same agent if they were going to extend my grace period because I hadn't receieved my statement yet. He informed me I did receieve oline. I told him I did not sign up for paperless billing. He once again told me I did receieve my staement online. I once again told him it was not proper because I didn't sign up for paperless billing. Eventually the agent hung up on me. I have not received a return call from the supervisor and still haven't received my monthly statement
09/11/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 170XX
Web
Mortgage was paid off to Homepoint on XX/XX/2020. Company claims check to refund the escrow account was issued on XX/XX/2020 and sent out on XX/XX/2020. This check has never been received. I called numerous times and it wasn't until XX/XX/2020 that I was told the previous check was being cancelled and a new check would being issued on XX/XX/2020. I called Homepoint on XX/XX/2020 and was advised the new check still had not been issued. I called Homepoint on XX/XX/2020 and got the same response which prompted me to ask for a supervisor. The supervisor I spoke with ensured me she was escalating the claim and that she would contact me back via phone to tell me when a new check would be sent ... ..I never received a return phone call. I called Homepoint on XX/XX/2020 and the representative I spoke with told me the check was SENT on XX/XX/2020. I made sure to verify the check was actually SENT and was told it was sent! After waiting over a week for the check to arrive and it hadn't, I contacted Homepoint again on XX/XX/2020 and was told that the check had been issued on the XXXX but as of the XXXX had not been sent out ... ..over a week later!!! I was sent to the escalating department where I was told by the representative that he would email me back which never happened as of this time. It will be 2 months on Sunday since this mortgage was paid off and I still do not have a refund check for my escrow funds in the amount of {$3300.00}. I have been given a run around for 2 months now with excuses and wrong information. I asked if the money could be wired and was told no because it cost money to do so. I also asked if they could put tracking on it and they said no. At this point I don't have much faith that a check was ever mailed out in the past 2 months!!
04/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 34746
Web Older American, Servicemember
In XXXX and in XXXX, I contacted Homepoint Financial to inform them that my direct deposits were not reaching my new bank and they allowed me to place my account in forbearance for up to six months. I only needed it until SSA, DOD, VA and OPM routed my retirement payments and death annuities to my new bank account. I also requested, to no avail that the late payment they reported be deleted as a goodwill adjustment and they had me send a letter to them and said my request would be honored. In XX/XX/2021, my account with XXXX XXXX was accessed fraudulently on three occasions, forcing me to change banks since the response from the bank was not timely and they do not have branches to go into and are online only. All of my direct deposits had to be routed to the new bank. Prior to XXXX, when a late payment was reported, I had never missed a payment and payments for my mortgage were drafted automatically like clockwork. I sent a goodwill adjustment letter and it was not honored. No removal of the late payment, despite NEVER missing a payment previously was taken into account. I just got a generic letter. After four months of back and forth, in XXXX, all of my deposits were posted to my account and I called on XX/XX/XXXX to pay the entire balance due on my loan. My loan had just been transferred to a new lender so I called them, set up the account and paid the loan current and had them to take the account off forbearance. I have over {$300000.00} in equity in my home and want to do a HELOC. This one late dropped my credit score considerably, despite me paying all my credit cards to a {$0.00} balance. Now that I have a new lender, I have a chance for a fresh start and want the late removed from all of my credit reports as a one time courtesy.
12/31/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • KS
  • 662XX
Web
I previously filed a complaint against Home Point Financial for harassment by one of their employees, XXXX XXXX, who works in the Loss Mitigation Department. However, you closed the complaint simply because Home Point responded with the documents that they requested that we send them in order to process our loan modification request. But that doesnt solve anything. I provided them the requested documents on XXXX XXXX and called them on XXXX XXXX to confirm that they received them which they did. I was told that XXXX would be contacting us about our loan modification request. Unfortunately, we have not heard from XXXX or anyone else from Home Point. So I called to speak with XXXX and was the rep I spoke with refused. I told the rep that I had filed a complaint with you and she then advised me that because I filed a complaint that they were postponing the review of our documentation until XXXX XXXX. I feel as though Home Point is trying to take punitive action against me due to the complaint that I filed. When I requested XXXX phone number and email address the rep refused and offered to have me speak to a supervisor who never came to the phone after I was on hold for over 45 minutes. Home Point is our mortgage service provider and we are their customer. I feel Home Points actions to postpone reviewing our request is unjust and deplorable. Why should they be allowed to punish me when their rep, XXXX, harassed me daily for over a week? I didnt see any response to that part of the complaint from Home Point. I request that immediate action be taken to force Home Point to treat me fairly and review our request in a timely manner which they already failed to do the first time. Their actions are unacceptable and can not be tolerated.
10/19/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 932XX
Web
On XX/XX/2018 my attorney submitted documents to Homepoint Financial to be reviewed for mortgage assistance regarding the foreclosure on my home. On XX/XX/2018 they called to follow up with the documents and informed by a representative on behalf of Homepoint that the file was in active review. Again on XX/XX/2018 they were advised the file is still in review and once again on XX/XX/2018 they were told the file is still in active review however the sale date for XX/XX/2018 was still active. When they called Homepoint Financial today, they were informed by the representative that the review was closed back on XX/XX/2018 due to 2 items pending. They stated they called me and and sent me a letter which is FALSE. I never once received a phone call from Homepoint or any letters regarding missing documents to this day. I have never received any communication from Homepoint regarding a point of contact assigned to my file and nor has anyone even spoken to one until today. The representative even said the wrong phone number for my attorneys office who they should be calling but did not because of errors their employees made. So now due to the lack of professionalism and lack of attention to detail, my home is being foreclosed on and I am forced to find another option. Homepoint Financial had 3 opportunities to inform my attorney or myself that documents were needed and failed each time and now 24 hours before my sale date they acknowledge their mistakes with no remorse or alternatives to fixing the problem on their end. All of my rights have been violated and not to mention a Notice of Trustee sale was placed WHILE I was in active review according to the 3 representatives who stated it was in review which is a form of dual tracking.
10/20/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IN
  • 46060
Web
In XXXX of 2021 we contacted the Home Point Mortgage call center to request a payoff quote. We received the information with the amount and had them work out an adjusted the automatic monthly payment drawn directly from our checking account from our normal monthly payment to the payoff amount. On XX/XX/2021 the automatic payment was received by Home Point for the agreed payoff amount and it was recorded on the company website as received and posted on XX/XX/XXXX. The statement showed the normal contractual monthly payment of {$2500.00} as well as an additional principal payment on hold for {$1000.00} to cover the remaining principal and final fees. The statement also showed a principal balance due ( after the final payment was received of {$970.00} ). We called the mortgage company and were told that they were required to wait 10 business days to insure/confirm receipt. We called on the 10th business day and the mortgage still showed a balance of {$970.00} due and an upcoming XXXX billing for {$2500.00}. The money has been out of our account and received by Home Point Mortgage since XX/XX/XXXX and they have now exceeded the 10 business day period and have still not shown the mortgage satisfied with a {$0.00} balance. In addition I fully expect to get a bill on XX/XX/XXXX for the normal monthly payment. There is no reason for it to take 10 business days to confirm and settle a payment given current electronic fund transfer technology as that confirmation can be done in hours if not minutes. To add insult to injury today we received an email from Home Point with instruction to payoff the final balance of {$1000.00} by XXXX XXXX. This is beyond frustrating since they have had this final payment since XX/XX/XXXX.
12/20/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30040
Web
My loan was sold/transferred in XXXX. I wrote the new service company in XXXX explaining my property tax bill arrived and was due in XXXX. I emailed them the bill as instructed. I did this several times. I kept getting " we'll get to your email soon '' messages, but this dragged out for months. Several times I got emails that said, " This letter is in reference to your inquiry regarding your taxes received on XX/XX/2021. Please know that we are diligently working to provide a resolution and will send a follow up soon. We appreciate your business. '' Soon never came. I finally called a couple of times and after insisting my problem get addressed, I was transferred to XXXX XXXX. I gave XXXX all my information and was told the bill would get paid. That was on XX/XX/XXXX and the bill was due XX/XX/XXXX. My property tax bill was paid LATE and I got hit with {$19.00} interest fees for being late. I followed up and was told " I have opened a request for this to be paid. The fees will not be charged to your account. I will keep you posted as to when this has been paid. '' Yet a month later, nothing was paid. I finally paid it myself because it's clear this agency is completely incompetent. But I want my money back for their mistake. LET 'S BE CLEAR.. I PAID THE {$19.00} LATE INTEREST. IT WAS NOT HOMEPOINT. I WANT A REFUND FOR THAT PAYMENT AS IT WAS NOT MY FAULT. HOMEPOINT LIED AND SAID THEY PAID THE LATE FEE BUT DID NOT. I HAVE MY CREDIT CARD STATEMENT TO PROVE I PAID IT. I also want service that doesn't take 2 months to get a reply to questions. Ideally, they could sell my loan and just annoy the other customers they have. I doubt they'll change and actually start helping customers.
03/07/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 949XX
Web
I sent in a request to close the escrow account for taxes and insurance a year after the loan closed. The servicer Home Point Financial denied the request on XX/XX/19 stating there was a 2 year waiting period. I escalated via their call center and on XX/XX/19 spoke to a supervisor who claimed that I had agreed to maintain escrow for 2 years in the closing documents. I disagreed and challenged him to provide evidence that I had agreed to 2 years. They came back with a clause from the promissory note saying I agreed to be bound by the lender 's policies and procedures, which were not defined or disclosed anywhere in the documents. He claims this constitutes my agreement to be bound by the 2 year policy or any other policy they could define at any time. The broker whose advice I relied upon as the lender 's agent told me I could remove the escrow account at any time after 6 months. I do not believe this loan servicer should be legally allowed to make up whatever terms they want and treat me as being contractually bound by that when I did not agree to those terms. I would never have knowingly agreed to take on a mortgage with no rights to cancel the escrow account. Furthermore, Home Point stated that they would not accept a payment of principal and interest and apply the payment per my instructions, but would simply not apply the payment and treat it as if it had not been received, even if I pay the property taxes and insurance premiums myself outside of escrow. In other words, they are making it impossible to pay my principal and interest unless I also deposit to escrow against my will. This is abusive behavior and that is why I am filing this complaint.
02/09/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NC
  • 283XX
Web Servicemember
Applied with my mortgage holder ( Home Point Financial ) to refi current 30years@ 5.5 % mortgage. Initially was told by loan officer I qualified for a 15 yrs@ 2.49 % streamline refi based on credit, income and payment history. Send me some paperwork to fill up and send back. The loan officer was not one to keep me up to date with status and what not, so for months I had to call her every so often for updates. Last time I spoke to her she checked my file and said the underwriters were asking for something she wasn't quite sure what it was and she would get back with me. Never heard back from her since, called her a few times, goes straight to her voicemail, left voice message never got a call back. Then About a week ago got a letter saying my application was denied based on payment history. I always pay, not exactly on the due date, but within the 15 days grace period, never a late fee assessed ( so in assuming in not late ) and always pay more than is due ( mortgage is {$1500.00} I always pay {$1600.00} ) the only time I ever had an issue with billing and payments and what not, was my very first payment over 2 yrs ago they took a double payment ( {$3400.00} ) from my account I contacted them and my bank and they have to return half that withdrawal ( {$1700.00} ) they assessed a late payment fee then, even though there was no late payment but a double withdrawal on their part. They recently removed that fee " as a one time courtesy '' ( which I protested as I was not asking for a courtesy but for them to correct their error ) other than that I don't understand the reason for their denial and was not offered recourse or appeal choice in the letter received.
10/13/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NY
  • 11787
Web Older American
On XX/XX/XXXX I signed, before a notary, a Partial Claim Mortgage agreement for my Loan, with Homepoint Financial which was my current mortgage servicer at that time. On or about XX/XX/XXXX the loan was transferred/sold to XXXX XXXX XXXX I was told by Homepoint that moving forward I would be paying my mortgage obligation to XXXX XXXX as they are the new mortgage servicer. When I went to pay I was told by XXXX that I owed the total of the forbearance amount plus the XXXX payment. Looking into it, I was informed that all the original docs were not forwarded to XXXX XXXX by Homepoint and they were refusing my payment. Unable to resolve the issue, and after many attempts, I reached out to CFPB ( Complaint # XXXX ) for help. On XX/XX/XXXX XXXX XXXX responded to the complaint and stated that " ... After a review, we were able to get a copy of the executed loan modification documents from Homepoint and have applied the modification to your loan. '' After, they accepted and apply my mortgage payments accordingly, however, I am still being forced to sign a new agreement with XXXX XXXX. The problem was not resolved as answered to the CFPB, and they want me to sign again a second agreement with no proof that I wouldn't be held responsible for the first one. Every month I receive these documents to sign. When I speak with loss mitigation I'm told that, in fact, they did not receive that documents from Homepoint and they are holding me responsible again. Homepoint and XXXX XXXX need to resolve this issue between themselves. I have no power here I do not possess the originals as they were sent to Homepoint Financial and acknowledged received by Homepoint Financial.
06/19/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • XXXXX
Web
Problem 1 : We had just gotten the escrow tax line corrected with Home Point ( HPF ) earlier this year in XXXX after 3 emails and multiple phone calls to HPF and with the transfer of servicing by HPF to XXXX XXXX in XXXX, the XXXX isd tax line has been set up twice again. HPF has one line set up correctly and a second duplicate line that needs to be deleted. I called 2 weeks ago and requested correction but it is still there. This is further pain since HPF double paid my school taxes XX/XX/XXXX and it took them 3 months to refund the money back to my escrow account and delete the duplicate tax line and now here we go again with the same error showing up after the transfer! I have emailed HPF and called and spoken with both HPF and XXXX XXXX team members trying to resolve this post transfer error. Problem 2 : I switched insurance from XX/XX/XXXX to XXXX XX/XX/XXXX and I provided HPF with a fully paid 12 month policy from XXXX as did XXXX. I had paid XXXX for the full amount for a 12 month policy from my checking account when i bought the policy in XX/XX/XXXX effective XX/XX/XXXX. Now HPF has paid XXXX another full 12 months premium on XX/XX/XXXX from my escrow account that was not needed/due. My 3 requests : 1 ) Put the $ back into my escrow account HPF paid out to XXXX that was not due. 2 ) remove the XXXX isd duplicate tax line from my escrow account. 3 ) run a new escrow analysis after these 2 corrections above have been made and then lower my monthly mortgage payment before XX/XX/XXXX payment is due. My mortgage payment should be almost {$150.00} per month lower than HPF is charging me due to over escrow on my account.
12/13/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 900XX
Web
In XXXX, I went sent a letter in the mail that stated that a payment was missing and I called Home Point Financial. They could not understand what was going on with the account and told me they would investigate and call me back. When I didn't get a call back, the following week I called them again to inquire if the matter was fixed, since I didn't understand what the problem was. They again told me that they didn't understand what was wrong on their end and told me to please call back again, which I did. I called a third time in XXXX ( this should all be documented in their system and I'm now calling my phone company to get the phone logs ), they said everything was current and apologized. We were traveling during the month of XXXX and in early XXXX, when we were back at home, we received a letter in the mail stating that we had not paid our mortgage! I called the company immediately and was told we were late for XXXX months of payments, dating back to XX/XX/2021. Unbelievable! I asked the representative WHY this would have happened when we have always had automatic withdrawal from Home Point Financial itself. He asked me if we had changed anything with the checking account or routing number >> NO, NO, NO. Never changed anything. He informed me that it was a glitch on their end and apologized and took the 3 months of payments from me when I was on the phone XX/XX/XXXX. The representative said he would make notes to show the error was on their end and advised me to send an email to the Correspondence Dept at Home Point, which I did. I want a letter from Home Point showing and stating that this was their error for our records.
10/15/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 78045
Web
In XXXX of XXXX, I closed on a brand new home financed by Homepoint Financial. In XXXX of XXXX, I received an escrow analysis showing a Forced placed insurance charge of close to {$6500.00} dollars. This forced placed insurance was incorrectly placed on my account, as I had insurance at the time of close and was able to obtain proof of insurance for XXXX to XXXX. Since XXXX of XXXX, I have been working with Homepoint to get this charge removed from my escrow account. I have submit proof of insurance close to 10 times, called in weekly and sometimes daily, spent countless hours on hold, spoken to over 10 representatives and have had to explain myself to them every single time I call in. The forced placed insurance charge has caused my monthly payment to increase by over {$350.00} for every month since XXXX. Homepoint has made no effort to resolve this. I have sent in emails, written notices of error, spoken to directors and insurance department alike. I feel I have done my part to resolve this as this issue is between the insurance company and Homepoint financial. I have paid my insurance and have paid my mortgage, yet the ridiculous charge of {$6500.00} has only been partially refunded and still reflects a charge of over {$4000.00} without reason. Many agents have stated verbally that they see the error, yet nothing has been done to fix it. One agent even stated I was charged 2 forced placed insurance charges but have not been refunded. Homepoint is purposely being negligent to prevent my mortgage payment from returning to its original amount of about {$1500.00}. My current payment is $ XXXX Through no fault of my own.
08/02/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • XXXXX
Web
My wife and I had a loan with Homepoint Financial in XXXX TX. Our home is located in XXXX, PA. The loan was an FHA backed loan. We wanted to refinance in order to remove the PMI that we were paying. We worked with Homepoint to accomplish this. As we approached closing I noticed the estimated payment was really high. I finally determined that they had entered in the tax information incorrectly. They had taken our small local property tax bill and inflated to be almost 6 times the size. That meant our payment was estimated to be {$350.00} more a month than was anticipated. I was told that to revise would push the closing way out, but I could submit the tax documents and get the escrow amounts reanalyzed right after closing. I called and asked how to do that and was informed that it was not something they could do, and that they had to wait three months before they could adjust. While I understand that there may be policies in place, they lied to me in the process of setting up the loan, it ultimately meant I had to bring more to the table to close to start the new loan with a much larger balance. It also means that I am paying extra into an escrow account that will ultimately be overfunded. If they had been honest up front we could have planned for it. Very disappointed. I did share with them that I would be filing a complaint for their deceptive practices. I am including e-mail conversations between myself and the folks at homepoint. Who continued to claim it was an issue of them having to pay the taxes but it would not affect the monthly payment. The reality is they collected too much escrow and too much each month.
04/08/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 07047
Web
On XX/XX/XXXX I received a call from the Tax Collectors office regarding the past due property taxes for tax year XXXX, after visiting the local clerks office trying to schedule a property inspection for XX/XX/XXXX in order to obtain a rental permit. The countXXXX TAX office advised that they could not move forward with scheduling my inspection, until property taxes were paid. Called the Mortgage Company ( Homepoint ) same day XX/XX/XXXX, inquiring why the taxes had not been paid since they were included in my escrow. The agent whom I spoke with proceeded to tell my taxes had been paid to XXXX XXXX, in the meantime my property is in NJ XXXX XXXX. As if this alone was not a problem the issue was further compounded by the fact that the mortgage company raised my original monthly payment from {$2100.00} to {$4800.00}, based on the fact that the taxes on the property were wroughtly XXXX per year. In the meantime not only did they pay the wrong town they also have wrong information about the yearly tax, the property in question based on the Tax office and the most recent Tax bill pays {$5700.00} in yearly taxes. Homepoint has been contacted on several occasions, I have spoken to several agents, gotten bits and pieces, been promissed of a call back with a resolution yet here we are almost 2 weeks to the day and there is no solution. Agents codes whom I spoken with are : XXXX, XXXX, XXXX XXXX and XXXX. There is also a person by the name of XXXX who I have yet to speak with that was to call me back with a resolution. If you would like to discuss this complaint further please call me at XXXX, I need help!
10/13/2022 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • GA
  • 30067
Web
on or around XX/XX/XXXX I submitted my bank statements to home point financial corp while applying for a refinance, in order to prove I had liquid assets, to refinance my mortgage, the loan officers XXXX XXXX and XXXX XXXX refused to count my bank statements. Despite the fact that they totaled over 90,000 dollars and they said they didn't count. They subjectively refused my income documents and denied my application causing me to lose time and paying a higher interest rate for 4 months. I later applied for the same fha refinance program with another lender and was approved., I qualified as a self employed applicant in XXXX XXXX. Later in XX/XX/XXXX I tried to request another review with home point financial, but still they continued to refuse to consider my bank statements and k-1 income. I also contacted XXXX XXXX senior managing director in XXXX and XXXX of XXXX asking for him to investigate. he did not provide a reason for refusing my application. he did not explain why homepoint would not count my bank statements as proof of cash, consistent with federal regulations. he simply stated people like you don't get qualified. I later reviewed and found out they did not conform to federal fannie mae or FHA lending guidelines, their practice was subjective and not objective and predatory. It was based on personal preference, and racial prejudice. I eventually got another lender who review my documents and approved my application under the same federal guidelines, with the same documents, but lost thousands of dollars in the process, despite having over a XXXX fico score and XXXX dollars in cash to close.
03/18/2021 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • NY
  • 14224
Web Servicemember
At the beginning of the pandemic hard times fell upon my family within my household. Home Point Financial offered me a forebearance option to get things situated and everyone safe. I applied for the forebearance but only needed it for four months ( XXXX-XX/XX/2020 ). I was current on all payments before that. Since XX/XX/2020 I have made all payments to date. I was originally told that I would have options to repay the four missed payments and that I would be able to choose one most suitable for my family. That is not the case. I have spoken to representatives for the past nine months appealing the only option they are now offering me which is to do a loan modification that restarts my loan at its original 360 month terms. They have tacked {$9000.00} onto my principal balance. The interest rate, even though they dropped it .25 % from XXXX to XXXX seems to increase my payment by {$25.00} a month. All I need is for the four delinquent payments to be added to the end of my loan. Such a Deferral was in fact listed as an option when the plan originally went into affect. If I accept this proposed loan modification I will lose 18 months of payments and add another 18. This is over {$60000.00} that I will be in essence paying for what appears to be a great injustice given the global and national crisis at hand. I can only imagine how many others are being taken advantage of by HomePoint and XXXX XXXX. I have contacted both XXXX XXXX and HomPoint continuously with horrible responses and no compassion. The VA has stated that they have now power or control of any terms being offered. Please help! We need help!
05/12/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32507
Web
I refinanced my mortgage with Home Point Financial in XXXX of XXXX . I was abundantly clear that there would be no escrow of insurance and taxes. In XXXX of XXXX I received a letter from the company stating that they needed proof of flood insurance. I have maintained flood insurance since the original purchase of my home in XXXX . I promptly provided them with proof of flood insurance and had Home Point nam ed on the declaratory page. In XXXX of this year I began receiving anonymous letters from " Insurance Departmen t '' of Home Point Financial stating that they would begin escrowing for my flood insurance. I immediately contacted customer service ( if you could call it service? ) to point out the error as I maintain my own insurance and am happy to provide proof of coverage. I was told that I would be grandfathered in and would be exempt from escrow. Several weeks later I received another letter stating that I would be subject to escrow and flood insurance would be force placed on my mortgage. Again I contacted their alleged customer service department and was assured that the mistake would be corrected. Yesterday, I received a statement from Home Point Financial informing me that my payment had been increased by {$43.00} per month for escrow for flood insurance. I called the company and asked who the policy would be with and how much flood insurance coverage I would be supplied with. No one could answer my question as the " insurance department '' does not have a telephone. I asked to speak to the president and was told that he does not have a telephone.
02/05/2020 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33328
Web
In XXXX, after Hurricane Irma, we were approved for a Disaster Loan Modification ; we continued with monthly payments. Few months after the modification, we called the bank to ask for the whereabouts of the modification funds, and we started receiving statements with threats of foreclosure. In XX/XX/XXXX, we sent packages with copies of the Disaster Loan Modification and payments made to Home Point and to the HUD offices in Washington and XXXX. In XX/XX/XXXX, we submitted a claim to the CFPB ( Claim # XXXX ). Within 10 days, we received a letter from HUD determining that " Home Point Financial delayed in completing the Disaster Partial Claim option '', and that the credit would be corrected. We also sent the same package to the lawyers that initiated the foreclosure on the bank 's behalf. To this date, my credit report still displays over 150 days delinquency, and when we call the bank to request information about the reason why it hasn't been corrected, the bank representatives stated that there are no records or letters in our file. Not even the foreclosure! We decided to fix our credit ourselves but the credit bureaus are asking us for the letters from the bank with detailed explanation on the dates and reasoning for the reported delinquency. We can't find a person in that bank to provide us with this letter. We spoke with a supervisor in XX/XX/XXXX and provided him with the letters sent by the HUD and Home Point. No answer or call back. They lied to the CFPB, to the HUD, and to us when they stated they would correct our credit by removing the delinquency that they generated.
07/07/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • XXXXX
Web Servicemember
After several phone calls during the month of XXXX to correct my XXXX billing statement, Home Point Financial Corp has yet to correct the accurate balance on my account. I have been making payments via my bank for months but for whatever reason Home Point takes forever to clear the checks. Having recognized what was happening during the month of XXXX I called their office to complain and made an automatic payment over the phone in order to avoid the late fee and was advised to put a stop payment on the check from my bank, which I did. Then, checking in on the XXXX payment I noticed the XXXX payment was never processed and that I was behind for payment. As you can see in the attached from my bank statement, an automatic payment was made to Home Point Financial on XX/XX/XXXX for {$6900.00}. That payment was deducted from my checking account to pay for the XXXX balance but Home Point failed to acknowledge the payment. Now, after calling in yesterday to discuss the issue I was informed that there was a stop payment but the stop payment was on the bank check not the automatic payment they asked for. I put a stop payment on the XXXX bank check, not the automatic payment which as you can see from my bank statement was deducted from my account. Yesterday I made another automatic payment for {$6900.00} for the XXXX payment but was informed that this would be put against the XXXX payment. Therefore, I am demanding that Home Point correct the issue immediately and bring my account to current, paid in full, and remove all late fees. Both XXXX and XXXX mortgage payments have been paid.
07/08/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 32713
Web
We filed for assistance during hurricane Irma XX/XX/XXXX through our mortgage company Home Point Financial. We were granted a forbearance period and a loan modification with a lower payments. Our payments start XX/XX/XXXX to be paid {$990.00}. During this time the company then had a servicer change delaying the process and basically making it impossible to communicate with the correct person. We continue to call and leave voice mail messages for XXXX XXXX which was supposed to be assigned to our case. We never received any call back and he eventually no longer was employed for the company. During this time and currently my credit was and is being reported negatively as not being paid as agreed. We were and are continuing to make the agreed upon payments by phone and attempting to communicate with the mortgage company, but seem to be getting different information and no written information in the mail regarding our loan and current/correct payments. Our contract that we signed only states the {$990.00}. Today, XX/XX/XXXX we are being told that we have not been paying the correct amount which has never been disclosed to us as we call and pay it monthly. We call at least once a month to find the status of our modification only to be told that we will receive a call back never to receive a call back. We are being told we have to pay a balance of over {$1700.00} to make our account current. It has been disclosed to us that there are thousands of consumer affected. We are being told our new payment is higher than our previous mortgage payment we requested assistance in paying.
06/14/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 34787
Web
After Hurricane Irma hit Florida, my mortgage servicer Home Point Financial offered me a three month deferment on my loan to allow me to ensure sufficient finances were available for any home repairs that were needed. This period covered my XXXX - XXXX payments. In XXXX, I was contacted with an offer to roll up the three payments in deferment into a loan modification which I accepted. The terms were I would make three trial payments covering the XXXX - XX/XX/2018 payment, then a loan modification would be put in place. I made each payment. In XXXX I was told I had been successful and the process began. In XXXX Home Point Financial accidentally reported me three months past due and while they fixed it, the resulting error led to several of my credit cards dropping my balance by a total of approximately {$8000.00}. In XXXX I was sent and returned the loan modification documents and this was accepted. Then in XXXX my loan was transferred from between two Home Point Financial related company 's and in the process, one of my previous payments from XXXX - XXXX was removed from my loan modification profile meaning as of XX/XX/XXXX, instead of being up to date on payments, I'm now showing a month behind. I spoke to a Loan Modification Officer at the beginning of XXXX who told me not to worry and it would be addressed. Furthermore, on XX/XX/XXXX, an unauthorized attempt to debt my account occurred leading to fees being assessed on my Home Point Financial Loan. I called into Home Point Financial on XX/XX/XXXX and was told I had authorized the debt for the payment which I have not.
11/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OR
  • 97128
Web
I closed a conventional refinance with XXXX XXXX near the beginning of the XXXX. I made a couple payments on time with them. In XXXX of XXXX, they sold the loan to HomePoint Mortgage. HPT sent me a letter with instructions for paying the loan. I immediately logged in to my online banking and edited the monthly auto-pay that had been going to XXXX XXXX and entered the payment info on the introductory letter. It contained an address in Texas. My bank had already sent the check to XXXX for the XX/XX/XXXX payment when I logged in to change the address and payee. In XXXX I received a notice that my payment had not been received and that it needed resolved. I immediately responded to the agent on the phone and paid the past due amount even though my check had been sent to XXXX back on XX/XX/XXXX. I asked what the correct address should be, and the agent told me that it should go to an address in Georgia!! I entered this new address into the bank and the rest of the payments have gone on without a hitch. Also, while trying to login, I discovered that XXXX had an old system and a new system. Apparently, this was not just web logins, but also phone numbers and physical mailing addresses. The confusion surrounding which system my loan was hosted in and which address should be correct is the reason that there was any delay in receipt of funds. In spite of this confusion, I have uploaded proof that payments were made in a timely manner. XXXX is not being honest or fair with their representation of the my credit activity. Their chaos should not reflect poorly on my credit.
04/16/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • SC
  • 29212
Web
Home point financial purchased my mortgage in the middle of XX/XX/XXXX, they then charged me for insurance at a rate triple of what my current insurance was I was not contacted and did not find out until I was looking at my online statement in early XX/XX/XXXX. They had opened up an escrow account without my knowledge or permission, I asked them to provide documentation of when I gave permission for them to open escrow and they can not provide it. After charging me for insurance when I had already had insurance, I called and emailed proof of insurance on XX/XX/XXXX. Several weeks later they still had not corrected and refunded my account. I sent additional information and after over a month they credited my account for the insurance. However, They have increased my mortgage payment by {$100.00} a month and have not closed the escrow account. I have emailed over 10 times. In addition, they charged late fees when I refused to pay the increased mortgage payment. I BELIVE THEY ARE BUYING Mortgages WITH THE INTENTION OF MAKING MONEY BY CHARGING FOR LENDER PLACED INSURACE. With little research I was able to see the lending company is affiliated with the insurance company writing the lender played policies. I can not think of any other reason they would have purchased my loan as it has a very low APR and is only a few years from being payed? They would have made more money underwriting a new loan at current rates? Also when they purchased my loan they must have inquired if the property was currently insured? PLEASE LOOK INTO THIS!
03/31/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 94534
Web
The company which services my mortgage loan is Home Point Financial Corporation. I sent them my XXXX and XXXX mortgage payment in the amount of {$6000.00} in the form of cashier 's check on XX/XX/2020. According to the copy of the cleared check I received from my bank, Home Point received and processed the payment on XX/XX/XXXX. The copy of the cleared check my bank sent me has Home Point Financial 's stamps on it. As of XX/XX/2020, they still did not credit the payment to my account in violation of RESPA and now is showing past due. Since XX/XX/2020, I've been calling them everyday. Customer service claim they don't know how my check disappeared and tell me they can't help me. I've also sent them numerous emails where I attached all the evidence that the payment was made and processed by them, without receiving any response. Every time I call they place me on hold for over 30 minutes, before I can even say something they keep telling me that my account is in default and they will start the foreclosure process. I've also sent them a notice of error which again they failed to acknowledge and respond in violation of RESPA. At this point I've exhausted all my sources to communicate with them and have a proper investigation conducted on my account. Their negligence in servicing my mortgage is causing my family and I unnecessary stress. I'm currently working in the front lines of COVID-19 as a XXXX XXXX and I really don't need additional worries that my family might not have a place to sleep due to some incompetent company.
09/30/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AZ
  • 863XX
Web
On XXXX XX/XX/2022 I received a letter that was actually mailed on XX/XX/XXXX from home point Mortage. Like I stated, I did not receive the letter till XXXX XXXX. ( Regulation # XXXX ) It made its rounds to at least two or more different houses in our city, before finally coming to me. It was a notice of transfer of servicer. They also changed the loan number. I paid my payment on XX/XX/XXXX and then again on XX/XX/XXXX. Home point mortgage company is reporting my mortgage as 30 day late for the month of XXXX. I have never been late with my mortgage payments. I did reach out to XXXX on XX/XX/XXXX, and on XX/XX/XXXX and XX/XX/XXXX, to see if they would be willing to resolve this matter on their end but it was to be no avail. each time I was told to just go through : : XXXX I sent them through the customer support.com the documentation of the photo of the letter that looks like Ive been run over by a truck when it sent to the wrong addresses. The multiple times that I did talk to home point customer service I was told I had to do it through their customer support email and upload my document or any thing else which I did all I kept getting back was automatic responses.. Due to this action by Homepoint, Ive not been able to refinance my mortgage and it did decrease my credit score.. I am asking for an immediate removal of this from my credit report. once again this is harming me from being able to do a refinance and it has decreased my credit score. Through no fault of myself. This is an FHA loan and Ive been on time.
07/13/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NE
  • 68521
Web
I purchased home in XX/XX/XXXX. In the start of XX/XX/XXXX I tr ied to remove PMI, had multiple attempts through calls and emails and never got a clear answer why I could not remove. In XX/XX/XXXX, Escrow statement sent, shortage, needed to pay in full {$3800.00} or it would be spread over 12 months combined with the increased new payment added {$630.00} each month. I have an excellent credit score and trying to keep that integrity as well as maintain payments so I can live in my home. I find this 64 % increase unacceptable and hard to believe its legit. I have called, emailed and went to this lenders website. I have experienced " number not in use '' messages, extremely busy messages, and also 2 live calls resulting in being put on hold and promised when the supervisor is free they would call back, but never have. Recently, I have been sent automated emails on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all stating the same thing that they are waiting to hear from me. I did get a reply but that individual stated " I'm sorry that was an automatic email that's going out. They haven't turned them off yet. I am no longer originating loans for ( ), they are closing the XXXX office. You may want to go to XXXX for the lowest rates in your area right now ''. So I can't get in touch to discuss and now I question how accurate and legal this all is. I did XX/XX/XXXX payments to cover the shortage and new payment, but I would like this matter looking into and get some clarity on why such a dramatic change. Thank you.
06/29/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 023XX
Web
1. ) HomePoint Financial sent me a letter indicating that due to an error they had mis- reported to the credit bureaus that We has missed a payment, and that it would take 45 days to be corrected 2. ) Homepoint Financial mailed my escrow payment for Home Insurance that was supposed to go to XXXX to an address for the XXXX XXXX 3. ) Homepoint Financial miscalculated my escrow payment resulting in a {$300.00} increase to my monthly payment 4. ) When calling in order to have the Escrow corrected, I was hung up on twice by HomePoint Financial ( XX/XX/XXXX ) - I was promised a call back within an hour from Supervisor " XXXX '' - they never called me back 5. ) After correcting my escrow adjustment, HomePoint Financial failed to produce a new and updated statement for me to pay 6. ) I was promised that HomePoint Financial would send me an updated statement with the correct amount on it, and I received a duplicate of the original erroneous bill 7. ) Upon calling to correct the erroneous bill a second time - I was told that they could not issue an updated bill until the next billing cycle - a direct contradiction to my earlier conversations. 8. ) It is XX/XX/XXXX - XXXX bill is due on XX/XX/XXXX and I still do not have an updated statement to pay. The bill I have is for an incorrect and MUCH largere amount than is due. I am pretty sure that it is a violation of the FDCPA to sent a bill for an incorrect amount, as is mis-reporting credit information, Hanging up on a consumer, and giving them incorrect information.
09/14/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 91801
Web Older American, Servicemember
Have not received a single accurate statement from Homepoint Financial, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. XXXX XXXX HPFC acquired my account. On XXXX first a payment of {$2500.00} was made to XXXX XXXX XXXX, on the XXXX of the same month another payment of XXXX was made XXXX XXXX. A conversation with a representative of XXXX XXXX confirmed that all payments made in XXXX would be applied to principal. A final {$1000.00} payment was made, this time directed to HPFC, so that I could trace how payments would be handled. Thus begins the morass, and my deep disappointment in their organization. I sent this request to them last Tuesday : -- -- With this missive I want to establish without question that the initial balance on XXXX first is {$260000.00} and not {$270000.00} as listed on the first statement on record. Therefore using a periodic rate of XXXX, the accrued interest is {$460.00}. I would appreciate a statement of agreement on this point. If that is not possible I would like a detailed explanation. I look forward to your reply, and will forward other points of contention at that time. I expect an answer within the week. -- -- They do not honor payments intended for principal. The last statement available on line lists {$1800.00} in interest. They have only had the loan for three months. A quick estimate, multiplying the initial interest by three is {$1400.00}! I have tried on multiple occasions to acquire satisfaction over the phone. They assure corrections will be made, but are not.
02/10/2021 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • AZ
  • 85254
Web Servicemember
Loan XXXX I lost my job in XXXX as a pilot and the renter has not paid rent since XX/XX/XXXX. I requested a forbearance in XXXX XXXX and charged a late fee of {$80.00}. XX/XX/XXXX - I received a letter that foreclosure proceedings will commence XX/XX/XXXX. XX/XX/XXXX - I made the XX/XX/XXXX payment after being reactivated at my job with the CARES ACT 2. XX/XX/XXXX - I received a letter approving the forbearance from XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX - I received a letter notification about a trial period plan beginning XX/XX/XXXX. The plan has a new payment address which is also DECEPTIVE THAT YOU CHANGED IT and my payment increased from my original payment. I called HomePoint Financial and they stated that this was a modification package and that the modification would include a rate increase that was not disclosed in this package. This is an UNFAIR, DECEPTIVE, ABUSIVE, ACT & PRACTICE. Why would you send a modification package without disclosing the interest rate change? XX/XX/XXXX - Made another payment I'm requesting that my missed payments are moved to the end of the loan. This is a deceptive practice to request that a customer pay a higher amount without disclosing that this is a modification and that the rate will increase when the interest rates are at historic low rates. In that case you should refinance my VA loan at 2.25 rate that it is today. I don't check my email and requesting a written response to my home address : XXXX XXXX XXXX XXXX, AZ XXXX Please help. XXXX XXXX XXXX
04/19/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CT
  • 062XX
Web
In early XX/XX/2020 ( XXXX email correspondence was XX/XX/XXXX ), in response to an advertisement/solicitation to refinance from our current mortgage provider ( Home Point Financial Corporation ), we initiated the refinancing process based on the savings estimated by the Sr Loan Originator ( about {$500.00} per month ). We provided all the necessary information as soon as requested over the course of days and weeks. We received notifications of approval but, to date, HPFC has either been unresponsive or has taken so long to respond to our pending refi, that the same ( but updated ) information is needed. NOTE : We are current mortgage customers of HPFC is good standing. I'm not sure where to turn. We've escalated to a supervisor ( XXXX XXXX ) and nothing has progressed. We follow up constantly with barely any response and no resolution. The HPFC representatives we've had contact with include : XXXX XXXX Senior Mortgage Loan Originator Homepoint NMLS : XXXX Branch NMLS : XXXX XXXX : ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX Senior Processor Homepoint XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX - Processing Homepoint XXXX : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX I am writing letters to executive management at HPFC to express our frustration. Please advise what else can be done to prevent this costly and sub-par level of service from continuing. Sincerely, XXXX and XXXX XXXX
08/26/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30189
Web Servicemember
I have a home mortgage serviced by Homepoint Financial. Every year they ask for proof of insurance even though they get a copy of it from XXXX XXXX. They are slow and inefficient and every year the harassment from them is a royal pain. Eventually they get the proof and then the issue is dropped for another 12 months. To be clear the property has never been without insurance from my XXXX XXXX, it has never lapsed. This year there was an added twist, they did not like how the insurance was titled, same title that the property has had since the loan was closed. It took me four months to get that resolved -- while that was going on, they placed forced insurance in place and an insurance escrow with a catch-up fee. I was able to get the forced coverage waived but with the new escrow and " catch up '' payment the monthly payment went from {$290.00} to over {$800.00}. When I called the first time the person, I spoke with said the payment should be adjusted to {$290.00} soon and not to make the payment and the late fee would be waived. Now it is the XXXX, the catch-up payment was finally eliminated but the escrow has not and now they want to charge the late fee. I still should not have to pay an escrow since the payment to XXXX XXXX has been made so now I have to come out of pocket for an insurance payment ( that is double what my insurance costs currently ). To date and after three more calls and one e-mail to them they still have not made the adjustment to get my payment to {$290.00}.
04/02/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MS
  • 39401
Web
I have a home mortgage with XXXX ( Loan # XXXX ). My property taxes and insurance were escrowed at my request. On or about the first XXXX XXXX I notified XXXX that my property taxes had been significantly reduced and my escrow collection was to be adjusted accordingly. I supplied them with a copy of the new assessment letter. I heard nothing from XXXX and was informed, via their website, that any attempt to inquire as to the status of this request would result in further processing delays. Next I received a notice from XXXX telling me my escrow collection amounts would be increased as XXXX needed a cushion. I called customer service to see if I could rectify this. They were no help. I then requested the escrow service I requested be canceled and any funds be reimbursed to me. I further asked for a specific date by which this would be completed. I received a vague response from Homepoint stating they had approved my request along with an obtuse reference about needing to maintain an escrow account in case I missed a tax or insurance payment. Today I received a " bill '' for my XXXX mortgage payment not adjusted to reflect the lower tax amount and the escrow increase made without regard to the aforementioned tax reduction. As of this date I have send 5 requests to XXXX, including a copy to their CEO, asking this issue be addressed. What I have asked for is for them to cease escrow services on my behalf and refund any excrow balance to me. I sent a 6th request today.
06/12/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MA
  • 02760
Web
I have continually ( even through here ) asked that this company send me any correspondence including mortgage statements for informational purposes and other correspondence to my home address that they have on file. My husband XXXX XXXX filed chapter XXXX and also he has a XXXX XXXX XXXX which I dont have access to. He has a key - I dont. I do have access only to the informed delivery of that box which shows me that they sent to items to the box - yet to my home address in my name only - I have received nothing. I have not filed for bankruptcy so if anyone were to default then this mortgage company would come after me, yet they wont send me DIRECTLY to my home address the info I need. Now if they want - I can make sure I change my address and dont forward my mail like XXXX did - so that they dont find me, but I dont play games like that. Secondly, XXXX was pulled out of my dcu ( XXXX XXXX XXXX XXXX ) checking account for XXXX and I would like to know who authorized the payment on the phone because XXXX XXXX isnt an authorized signer on that account so you should have my voice on their allowing you to pull the money and if you dont- then you are allowing XXXX to use my info to pay without my consent and thus I want the recording as does my lawyer for the authorization for the XXXX payment which I know they do. This company repeatedly does not listen to what you require and they allow unauthorized transactions and I am getting pretty upset at this juncture with them.
06/25/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • SC
  • 29576
Web Older American
Our mortgage was being serviced by XXXX XXXX, they transferred mortgage to Home Point Financial Corporation effective XX/XX/XXXX. I sent my payment electronically through my bank ( XXXX XXXX XXXX ) payable on XX/XX/XXXX. Electronic payment was sent to Home Point and my account was not credited. I contacted Home Point via email and customer service telephone number ( XXXX XXXX XXXX ). I was asked to prove payment. I sent copies of my bank statement showing the payment effective on the date of XX/XX/XXXX. I was told that they do not accept bank statement as proof of payment. i went to my bank and had them fax proof of payment to Home Point. I received an email stating that they received my proof of payment and to allow 24 to 48 hours for my account to update. I waited over 48 hours and checked my account and the payment was still not posted. I contacted customer service again by phone and was told that the check they received was not legible and they sent it back to the bill payment processing center. I spoke to the Payment Processing Center, case number XXXX. I was told, and I have proof, that the money was transferred electronically. I will scan and attach documents from payment processing center and also email sent by Home Point Mortgage to me. They continue to deny that they received payment for our XXXX payment and now are demanding double payment for XXXX. Please advise as to how I should respond to this. Do I double pay in XXXX and wait for a refund?
01/22/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60490
Web
My wife was laid off recently so weve been running about 27-29 days late on making our mortgage payment. On XX/XX/XXXX and the XXXX I tried making my mortgage payment on the companys web site and I was given a message that stated that the site was down for payment processing and the payment could not be placed at this time. I tried to call and no one was available. I went online to make the payment on the first and I could not as the same message was posted. I also called to no avail. On XX/XX/2019 I am as finally able to make a payment but at that time they said they couldnt take one payment and I had to make two payments at once. XXXX and XXXX. My complaint is that they shut down the site and I was not allowed to make a payment before I was 39 days late and now it has effected my credit report. The customer service manager stated that they do this every month so its perfevtky legal with the CFPB. This is not true as you can not deny a payment within the 30 day late time limit and then report someone late because the site is down. He also stated that the payment would have been late anyway. Because the payment would have not posted until the next day which is also incorrect because the payment is paid when authorization is given, and not when it posts. I want the over thirty day late payment taken off my credit report and the payment system also needs to be fixed so that if someone needs to make their payment two hours before the deadline, they can.
05/21/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • OK
  • XXXXX
Web Servicemember
In XX/XX/2020 I started a refinance to lower my interest rate. I was told that I would be able to miss 2 months of payments, which was to be XXXX and XXXX and get back the {$2600.00} that was in my escrow. Because I was promised these financials I agreed and continued on with the process. As mid XXXX approached and I did not hear anything I called and was told they were waiting on the title company. I did not trust the fact that I was told that I would not get a late fee if I did not make XXXX 's payment and was not feeling very secure with what was going on so I paid the XXXX payment to stay in good standing of no lates with my mortgage payments. Finally when I called again towards the end of XXXX I was told that Someone from a title company would be contacting me for closing. I did close in the beginning of XXXX ( after my Insurance was paid ) and was told by the Title representative that the escrow I was promised would probably be mail to me. After a month had gone by I called to find out about my escrow and was told it was used to pay my house insurance which had become due in XXXX. I called several times trying to call the agents that I had worked leaving multiple voice mails but no one returned my calls. I know that they were working since they had no problem keeping up with me to get me through the whole loan process. Now I feel as though they stalled me in XXXX knowing my Insurance would be due soon. I feel I have been lied to and deceived.
10/20/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IA
  • 52404
Web
I closed my home on XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX on XX/XX/XXXX. Homepoint Financial was my mortgage company and there was an overpayment of escrow of {$2000.00}. During the closing Homepoint sent the money to XXXX county IA for property taxes which was an over payment.Taxes were also paid at closing. I went to XXXX county to claim the funds and they told me the funds were returned to XXXX XXXX.I raised a ticket with XXXX XXXX on XX/XX/XXXX and got feedback on XX/XX/XXXX Below is the reply Thank You for your inquiry, We verified our records for parcel # XXXX refund in the amount of {$2000.00} was already received from tax office and was processed to the lender on XX/XX/XXXX, Please find the attached screen shot and you can reach out to you Mortgage company ( HOMEPOINT FINANCIAL CORPORATION ) for any additional inquires. HOMEPOINT FINANCIAL CORPORATION Please feel free to contact me with any additional questions you may have. To reach a member of our Customer Product Support Team, please email XXXX or via telephone at XXXX. XXXX Customer Product Support. I called Home point financial XX/XX/XXXX they got the escrow money but sat on it.I spoke to an agent and she stated she will escalate.Its over 40 days since I closed the home.I need Home point to overnight my refund am struggling to make ends meet and I did not expect this time frames. XXXX XXXX Home point Financial # XXXX Property Address XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX.
08/01/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92024
Web
I have my Home Point Financial account setup on automatic ACH and have plenty of money to pay my mortgage, Home Point Financial has internal issues and is not taking payment after repeated calls and me providing the ACH information again and again. - XX/XX/XXXX no ACH payment deducted from my account - XX/XX/XXXX start getting letter demanding to payment - XX/XX/XXXX get a letter saying sorry our system had issues, we have rescinded bad credit notices from bureaus - XX/XX/XXXX start getting repeated automated calls from homepoint - XX/XX/XXXX talk to a person who says we need your ACH again, very odd call almost felt like a scam. Told me they would process the payments. - XX/XX/XXXX no ACH payments for XX/XX/XXXX or XX/XX/XXXX - Get more threatening notices, if I don't respond by XX/XX/XXXX we will terminate your loan. - Call in XX/XX/XXXX to say WTF is going on, the person responds oddly and says we need to move your mortgage do you agree. I continue to question them, they say the prior ACH request was done to early which is why it didn't go through. I very upset say I don't know what you guys are doing but this is all on your end and why are you sending letters, messing with my credit, and stressing me out for no reason. She promises me this time the ACH will go through and it did. - XX/XX/XXXX I get an envelope with hardship letters, etc and they say please file by XX/XX/XXXX to save your mortgage. Avoid this company at all costs.
12/12/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30040
Web
My loan was sold/transferred in XXXX. I wrote the new service company in XXXX explaining my property tax bill arrived and was due in XXXX. I emailed them the bill as instructed. I did this several times. I kept getting " we'll get to your email soon '' messages, but this dragged out for months. Several times I got emails that said, " This letter is in reference to your inquiry regarding your taxes received on XX/XX/2021. Please know that we are diligently working to provide a resolution and will send a follow up soon. We appreciate your business. '' Soon never came. I finally called a couple of times and after insisting my problem get addressed, I was transferred to XXXX XXXX. I gave XXXX all my information and was told the bill would get paid. That was on XX/XX/XXXX and the bill was due XX/XX/XXXX. My property tax bill was paid LATE and I got hit with {$19.00} interest fees for being late. I followed up and was told " I have opened a request for this to be paid. The fees will not be charged to your account. I will keep you posted as to when this has been paid. '' Yet a month later, nothing was paid. I finally paid it myself because it's clear this agency is completely incompetent. But I want my money back for their mistake. I also want service that doesn't take 2 months to get a reply to questions. Ideally, they could sell my loan and just annoy the other customers they have. I doubt they'll change and actually start helping customers.
11/28/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 449XX
Web
My wife and I have been separated since XXXX and we hold title to our home jointly. She just recently filed for a chapter XXXX bankruptcy and it was XXXX this month. All while this was going on I continued to make payments on time and was told there would be no issues as long as I made the payment. I belong to a credit reporting company and saw that my credit dropped significantly so I checked and XXXX XXXX reported I was 30 days late so I got on their website to check this out because I had not missed any payments, I noticed they were also charging me legal fees of {$740.00} and a filing fee of {$180.00} for my wife 's bankruptcy which I was never notified of either. Spoke to them and they are supposed to fix the credit violation they said it was their error but as far as the charges go they said someone had to absorb the legal fees and filing fee and that my monthly payment would change to absorb those fees. I spoke to a local bankruptcy attorney and he told me he had never heard of such a thing occuring. The only help I received from XXXX XXXX was that I was given an email address to contact them that came back undeliverable. Why when I was on the phone with their customer service representative? Everything that I have read is that this is not legal. Looking for answers because I cant get any from them and nor do I trust them. These charges were added to my account XXXX and the missing payment they reported was XXXX. Thank you.
12/10/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 78641
Web
This complaint is to raise a concern on the mortgage servicing practice carried out by my lender - Home Point Financial ( which is now Home Point ). Our loan was sold off to this company right from beginning. At the time of closing, we couldn't afford to make complete 20 % so we had to pay PMI until we reach so. Now with additional principal payments I should be able to reach there soon and avoid the PMI and this is where the problem started since I had to work with the Mortgage company. I contacted the company multiple times regarding this and they mention the only way I can do something is to e-mail at XXXX. There is no phone contact number to them. Also their response time to every mail is 60 days!. I have been trying to reach them through e-mail couple of times now and they never get back. It is unacceptable for people like me to pay PMI even after reaching 20 % only because the mortgage company is slow in working on it. Apart from this I have also been trying to setup bi weekly payment with this company for 1.5 months now with multiple calls and 2 times form submission with required documents. However every time I contact them, the customer care tells me the bi-weekly payment is still not setup. These lending practices are simply awful and are a nightmare to everyone. Any improvement in this regard would be very useful to millions of customers like me. Also please help me get a response back from PMI team on my issue.
05/21/2020 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • FL
  • 32065
Web Servicemember
I am a veteran of the United States XXXX and have a mortgage with Home Point financial that is backed by the VA. I now work in the XXXX industry in Florida as a XXXX. When the shut down happened my industry and my job were furloughed. As a result I had no income for 2 months and am just now getting back to work at limited capacity which has negatively affected my income. I heard about the forbearance under the CARES act and contacted my lender on XX/XX/2020 to ask for the assistance. I spoke to XXXX XXXX and was advised that I did not qualify because I was already in foreclosure due to my divorce. I was told I would have to submit a loan modification package for review. I explained I have no income and do not know when it will return. I was told to send the package. On XX/XX/2020 I read this clause in the CARES act : The CARES Act directs that servicers of Federally backed mortgage loans grant the forbearance upon a borrowers affirmation of hardship caused by COVID-19 without additional documentation, fees, penalties or interest for up to 180 days. This initial period may be extended for another 180 days upon the borrowers request. The grant of forbearance is not discretionary. I then explained that I did not have to submit additional documentation and they did not have discretion to reject me. XXXX ID XXXX refused and said I would have to apply for a modification. I then came here for help as I feel my lender is not being fair.
11/01/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95662
Web
I recently had a claim with Homepoint financial ( " HP '' ) related to my escrow account. HP incorrectly set up my escrow account by using incorrect tax information, they claimed the information was not readily available when I was in the process of refinancing my home. I provided HP with the initial estimate produced by point equity that correctly calculated my impound account. As a result of this error, my initial impound account was underfunded on day 1, this should not have happened and I was surprised it was not caught during closing or notified of the issue on day 1. I have a clear paper trail between point equity ( lending broker ) and HP showing the change between my initial refinance estimate with the correct impound account information, and the closing document that was using the incorrect information. I requested HP to remove my escrow account, and I was told that I would need to pay the outstanding balance of {$3700.00} before I could take over my impound account. Instead of admitting there was an error at the close of my refinance, HP reduced my mortgage payment without discussion or reason, and also mailed me with an escrow release waiver. When my case was closed, I was provided the reason as to why my mortgage payment has changed, which was HP spreading the shortage over 5 years. As a result of this process I notified HP that I am disputing the XX/XX/2022 payment until a reasonable resolution is reached.
06/25/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 33844
Web
On XX/XX/XXXX after hurricane Irma ( my county was declared a disaster area ) I got behind my mortgage payment in order to fix my home and appliances damages I did applied for fema but i was denied because i have home insurance witch I couldn't afford my {$3500.00} deductible. On XX/XX/XXXX I applied for a loan modification witch it was approved on XX/XX/XXXX the same time my loan was being transferred to a different mortgage service. ( from XXXX to Home point ) the modification process continue and I started the 3 months trial on XX/XX/XXXX until now XX/XX/XXXX still making my agreement payments. Here is the issue my loan modification has not finalized yet according to Home point they have not received the original documentation from XXXX, but I spoke with XXXX and they assured me they have send Home point all the documents including the originals. ( spoke with associate # XXXX on XXXX ) who assured me all information was send and gave the information to get in touch with CFPB for help since I ask her what can I do. In the meant time my credit is bad I can refinance my home and move on from the almost 2 year disaster.Please Help me to resolve this issues I always keep in touch with both mortgage companies the last email from Home point is saying the same thing they are waiting from XXXX to send the original documentation almost 2 years is too long. thank you Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX
08/02/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TX
  • 76179
Web Older American, Servicemember
I had over {$20000.00} in damage done to my house by a hail storm on XXXX XXXX. My insurance company has been sending me checks to cover the damage and I have to endorse them an sent them to my mortgage company ( Home Point Financial Corporation-loan # XXXX ). I have received 5 checks from the insurance company so far and I will be receiving 1 more in the next few days. I received a check issued on XX/XX/2021 for {$13000.00} and I signed it and sent it and I received it back from home point about 20 days later. I received a check dated XX/XX/2021 for {$770.00} and a check for {$120.00} dated XX/XX/2021 in the same envelope and signed them and sent them to homepoint in the same envelope. They sent the check for {$120.00} back to me but not the one for {$770.00}. I received a check for {$2300.00} dated XX/XX/2021 and sent it to home point the day I received it. When I call home point they tell me it takes about 10 days to process and send the checks back. Whenever I call them, they say the checks are in processing. I will be XXXX XXXX XXXX this week and I can't take the stress home point is putting on me, Why home point is continuing to hold the checks I don't know. All the work has been done and the contractor wants his money and I don't have it to pay him because home point has not sent the checks back so I can pay him. The last check they did send me back, I had a hard time cashing it because it was over 30 days old.
04/17/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • DC
  • 20008
Web
I sold my home and closed out my loan with Home Point Financial on XX/XX/2016. I have received documentation from the company that my loan has been paid in full. However, Home Point has failed to refund my escrow account. Four months after paying off my loan, the company owes me {$3100.00} in escrow refunds. I have contacted the company repeatedly to obtain these funds and Home Point acknowledges that it owes me this money. However, the company claims that they have mistakenly been mailing the escrow refund to my old address, despite my many and repeated attempts to update my mailing address. I have called customer service over and over again, and every time I call them they claim that the address update did n't go through and they somehow mailed the check to the wrong address, but they will absolutely correct the mistake, cancel the old checks, and expedite the mailing of a new check to my current address. The last time I called them and received this story was a month ago, and I still have not received the refund check. Nor have I been contacted by the company. After so many attempts on my part to obtain these funds from Home Point Financial, I believe that the company is acting in bad faith and is attempting to withhold the escrow refund that I am due. It is now months late and there is no reasonable excuse for the company 's failure. I will be very grateful for any assistance that the CFPB can provide. Thank you!
08/03/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AL
  • 36526
Web
Home Point Financial has allowed my homeowner 's insurance policy to lapse twice in two years through their failing to issue payments, despite my repeated attempts to supply their escrow department with the policy information requested. Unfortunately, the email address previously used to correspond with my insurer and the mortgagee is now defunct, but my insurer was able to provide email correspondence from XX/XX/2022 where I reached out to Home Point with them cc 'd, and I know there were other attempts to contact them, including emails and at least one phone call with a Home Point representative in which I was assured that the policy information had been received so that payment could be issued. I am sure Home Point will be able to find their own records of any of these and other relevant communications if they are so inclined. Despite having an entire escrow department, Home Point Financial has failed in subsequent years to keep my insurance policy active, seemingly in spite of my efforts to make sure they have the information they should be able to get on their own. They have issued yet another notice to me that they are going to put a forced-place policy on my house, in total disregard of the fact that it is their fault my policy lapsed. This has caused my quoted premium to increase, and obviously has caused a level of distress from not having the most important asset of my financial life protected.
06/10/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 336XX
Web
I accidentally made an extra payment on my mortgage with Home Point Financial in XXXX, 2021, such that XXXX payments were made. My online account management portal indicated that no payment was due in XXXX, 2021. I then adjusted the autopay feature of my mortgage to draft my next payment on XX/XX/2021 because I was a month ahead of schedule with regard to payments. On XX/XX/2021, an autopay payment nonetheless was drafted from my bank account. I spoke with a customer service representative, who explained that a system error had occurred and that I should submit a request for refund from their general help email address. I submitted this request, only to be notified by Home Point Financial that they would not do so without a bank statement reflecting the draft. I explained that bank statements are obviously provided at the end of months, while the payment they incorrectly drafted occurred on the first day of the month in question, and thus I could not furnish a bank statement -- I provided a screenshot nonetheless of my bank transactions to reflect the incorrect autodraft payment. Home Point Financial 's customer service once again insisted in reply that I must provide a bank statement. I would like to bring to attention this deceptive and predatory lender 's tactics to dodgXXXX accountability for an error on the part of their payment processing systems, and unwillingness to rectify the results.
12/22/2022 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • AL
  • 357XX
Web
XXXX XXXX refinanced his and XXXX XXXX home on XX/XX/XXXX for {$100000.00} as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX then went and refinanced XXXX XXXX home again as a XXXX XXXX on XX/XX/XXXX for {$150000.00} posing as my XXXX XXXX, he has also transfered XXXX XXXX of XXXX XXXX XXXX XXXX savings account to his bank account with out her permission or her knowledge, XXXX XXXX then discovered that there was numerous bank transfers on her banking account statement, I then contacted her bank due to these transfers, as I have the power of attorney over XXXX XXXX, I had discovered that this has been going on since XX/XX/XXXX. I have made a police report and been in constant contact with my XXXX bank and I have also contacted the XXXX regarding this matter. I am very concerned about this because my XXXX XXXX XXXX XXXX and now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have no idea what else he has done or gotten money from posing as XXXX XXXX. There was a judgement against XXXX XXXX XXXX XXXXXXXX, my father had to sign an affidavit stating that he was not the XXXX XXXX that had a judgement against him so he could refinance the home. My XXXX signed XXXX in XXXX stating that he was not the XXXX XXXX with a judgement against him, which he is the XXXX XXXX with the judgement it is for child support, so is has also falsified that information.
03/23/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • OH
  • 453XX
Web Servicemember
Told at the beginning of COVID-19 pandemic I would be eligible to put my account in forbearance once out of forbearance missed payments would be able to be added to the end of my loan. Spoke with a rep today ( XX/XX/21 ) and found out that they would not honor that and I needed to pay {$16000.00} out of pocket, do a loan modification which would increase payments, interest rate, and/or length of my loan, or a repayment plan where I pay {$16000.00} in addition to my normal monthly payment over 3 months. HomePoint Financial had sold my loan as of XX/XX/21 and is attempting to take advantage of me as they are now saying they were unable to add the forbearance back on my account, even tho I qualified per the Cares Act for the length it promised. The supervisor, XXXX, I spoke with then went on to play the emotion card by threatening losing my house if I did not do the loan modification application today. As the call was going no where I asked the supervisor to extend my forbearance per the Cares Act. Supervisor stated I could only have 30 days due to them selling the loan. Informed supervisor that the previous rep had offered 90 days. Supervisor told me once again I had been misinformed. Homepoint Financial is taking advantage of the COVID-19 pandemic and using it for their gain. They are not being compliant with the Cares Act and each rep you speak with is offering something very different.
06/13/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 32837
Web
Hello. I hope this message finds you well. I write because in XX/XX/2020 I entered a covid forbearance plan. However, while on the plan with servicer # 1 I made payments of {$14000.00} and then made payments to the second servicer of {$16000.00} for a total of over {$30000.00} to both servicer out of the {$37000.00} total to be paid according to the statements rendered by both servicer. Unfortunately, I am unable to get out of forbearance because in order to do so, I must agree that I owe an additional {$17000.00} ( according to the partial claim delivered for my execution by servicer # 2 ). I am not sure why my past due balance is {$17000.00} when the difference between what I paid and what I should have paid is only {$6300.00}. I would have expected to find an escrow overage. However, I have just been informed that all that is left in my escrow account is less than {$3000.00}. I would very much like to exit forbearance but unless I agree that I owe an additional {$17000.00} that is not an option. I have asked both mortgage servicers to explain this discrepancy but rather than answer my direct questions they continue to send and refer me to payment histories which are not helpful in explaining this discrepancy. Please help. I may be reached at either XXXX, XXXX or XXXX. Thank you so very kindly for all your assistance in advance. With warmest regards, XXXX XXXX XXXX XXXX
09/03/2021 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • CA
  • 92584
Web Servicemember
Hello ... our current mortgage company Home Point Financial offered us a 12 month forbearance under the Cares Act as we were temporarily out of work due to COVID and we were told verbatim that at the end of the forbearance that there would just be 12 months of payments added to the end of the loan. That is not what happened. Once we reported to them that that we were back to work and able to resume payments they added {$22000.00} to our principal balance, 5 more YEARS of payments to our loan and illegally raised our FIXED 30 YEAR intrest rate of 3.25 % to 3.625 %. They have caused a huge financial burden under a program that was supposed to help people. By the time this is all said and done they have added with the intrest rate increase a finanbcial burden of over {$200000.00}!!! Had we been told this is what was going to happed we would have just pulled from our 401K to make the payments. Would have caused a lot less of a financial burden on us. In addition I am quite sure Home Point Financial received government funding from this program. I have asked Homepont Financial several times to provide us with a current amortization schedule and or a spreadsheet showing their calculations justifying adding 5 years of loan payments to our loan and {$22000.00} to our principal and all they have sent me was the original amortization schedule from 5 years ago and a blank document.
04/07/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 346XX
Web Older American, Servicemember
Mailed payment for XXXX XXXX Received call after XXXX XXXX XX/XX/20 from Homepoint where is the payment? They claimed they never received it. I told them I would investigate. I called them back the next day and advised it was NOT presented and would THEY check their system. THEY ASSURED ME THEY checked everywhere and THEY had no check. THEY ASKED for payment and I gave them another check because of THEIR ASSURANCE to me the check could be found nowhere in their system I issued one with a requirement that if my first check was found they would not deposit it otherwise I would have problems with a potential return for insufficient funds. I asked them to SAVE the call. Well low and behold XXXX XXXX they deposited a SECOND check. That check bounced and I was charged a fee. Then I received a collection notice FROM THEM with a {$25.00} fee and a demand for payment! When I contacted them they were not receptive. In fact rather direct in educating me that's the policy. I demanded review and call back but received neither. realizing they are a debt collector I waited until today and called back. I guess debt collectors can not get out of the mold. I Got the same " education '' and while they waived the fee as a one time courtesy but being cognizant of how they operate they were only intetested in payment.my opinion they REALLY COULD CARE LESS. Basically brushed my concern off.
03/05/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • WI
  • 535XX
Web
I had my mortgage through XXXX XXXX and they sold my loan to homepoint financial.they sent me notification on this and once it got switched over my mortgage payment raised from XXXX per month to XXXX.thought at first they put a second homeowners insurance policy due to the fact my homeowners didnt get faxed over or whatever the case may have been but after talking to my insurance agent that wasnt the case.iv been trying to contact them daily for the last month and a half.have NOT received a call back or even an email back what so ever.the only person Ive talked to was in the insurance department and they keep transferring me to a different department because apparently they cant tell me why my mortgage has raised that much while having a fixed interest rate.once transferred they wait time has been anywhere from 15m-30m wait.iv sat on the phone for HOURS waiting after a few hours the phone just hangs up.no one there will talk to me about it or even email me about it.in the month and a half of trying to get ahold of them i have yet to hear a word back on this topic.in the mean time iv had my insurance agent re-fax my homeowners policy to them and i know they have gotten it.so now idk what to do other then this which was suggested to me through my original mortgage lender.i have all emails and all phone call records on hand just am not able to attach them for some reason.
03/14/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 08080
Web
HomePoint Financial - XXXX XXXX XXXX, XXXX, TX XXXX. Loan # XXXX I have been making monthly payments, with additional principal via web. In addition, the administrator of my investment account has been sending checks for {$10000.00}, clearly labeled " Principal Payment Only '' for several months. HomePoint continually applies that {$10000.00} to my monthly payment amount for the current month and the next month ( which then results in me being prohibited from using the online system to schedule a payment for those months ). HomePoint claims that they need a paper coupon to apply the payment to the principal, that the payments are automatically processed ( which makes NO SENSE because a computer is not reading handwritten coupons, that is for sure ) and without a coupon they can not manage the request. They refuse to supply additional coupons and cite a nonsensical policy that only one coupon per month will be issued. HomePoint admits that they changed their policy in XX/XX/2021 so that any additional payments are applied to the current and next months ' payments. They made this change with NO NOTICE to the borrowers. This is a clear attempt to prolong the duration of the loan, to collect interest on money that is sent to them for principal while ALSO allowing interest to accrue on the loan itself. They are underhanded, dishonest and are harming American consumers.
02/12/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 078XX
Web
1.Home Point Financial continues with their deceptive acts and practices. I was given an offer for trial payments which I accepted within the time frame. A few days later, offer was taken back ( page 1 & 2 ). The deceptive acts continues as my kids continue to suffer. 2. Home Point Financial have violated the Fair Debt Collection Practices Law as well as the Bankruptcy Laws. I filed for bankruptcy on XX/XX/XXXX ( page 3 ). Home Point is well aware of that ( page 4 ). Home point Financial is a debt collector ( page 5 ). I understand that Home Point Financial has the right to take a payment from me but they have no right to ask or harass me for a payment under the Fair Debt Collection Practices Law and the Bankruptcy Laws. Please see page 6, letter from Home Point dated XX/XX/XXXX that reads as follows : ''please send certified fund totaling {$2800.00} to Home Point .... .NSF fee ... .credit report. '' The goal of Home Point Financial remain obvious ; I loose my home and they make a nice profit. No one will rent me a place to stay with my kids, therefore, after the auction sale of my home, I will find a shelter to stay with my kids as I continue to search for justice in the court of law. Home Point have not addressed any of my previous concerns. When I have my day in court, Home Point Financial will finally be held accountable for all the laws they have broken.
02/15/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TX
  • 77459
Web
My home was affected due to Hurricane Harvey in XXXX. I was deferred payments for three months. After that I applied for a loan modification. It was approved and I made trial payments for XXXX, XXXX and XXXX of XXXX. In XX/XX/XXXX docments were sent to me to sign with the new modification of my mortgage. I have been told that Home point financial transferred the processing of my loan to another company and they are still waiting for documents to be sent over. This is XX/XX/XXXX and they are still showing my mortgage behind, my credit is screwed up. I have called in every week and month since XXXX. I keep getting told they are waiting on the other company to send in paperwork. I have been making payments every month and they are just holding them in arrears. Now I have my year end statement and it is way understated because they have not corrected my loan. I need this resolved and I am not getting anywhere with Home Point financial. If you look on the account message. It will show where it states you have been approved for a loan modification however they have not finalized this and documents were signed in XX/XX/XXXX and it is XXXX. I called today and spoke with XXXX. She tried to transfer me to the supervisor who never came to the phone and I was on hold over 30 minutes. I keep getting the run around every time I call. I have made my payment every month.
03/06/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WI
  • 530XX
Web
My existing mortgage was being serviced by XXXX XXXX. In 2017, Home Point Financial Corporation purchased XXXX XXXX. My mortgage had been set up for auto-payment with XXXX XXXX. About a week ago, I received a notice that my XX/XX/XXXX mortgage payment was past due, and I was being assessed a {$72.00} late fee. I looked into the issue, and it appears that the XXXX XXXX payment system was discontinued and was transitioned to an online portal through Home Point Financial Corporation. I was required to create a new account in the HPFC portal, and my auto payment was not setup in the system. I promptly set up the auto payment in the HPFC portal and submitted my overdue XXXX payment plus the late fee. I attempted several times to call customer service at the number listed on the website, XXXX, however I received various error messages or busy tones. I was not able to connect via phone. I emailed HPFC through the online portal explaining the situation and requesting a waiver of the late fee. However, when I received a response a week later, the response only provided my balance due amount and directed me to either call or email HPFC with further questions. I am unable to get through on the phone to HPFC as the customer service number provided, XXXX is not working. Also, there is no customer service mailing address listed on the " Contact Us '' section.
06/17/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MN
  • 550XX
Web
I applied to have my PMI removed from my loan from Home Point Financial in XX/XX/2020. To do this I needed to have my home valued at greater than " {$480000.00} to reach the required LTV of 75 % '' and thus would meet the requirement for PMI removal. The company hired a person to do a BPO and his analysis ( price per sq foot ) suggested my house was worth $ XXXX. But then, wrote a value of $ XXXX, with no explanation of the lower value and no support for it. His report also had numerous errors such as having my sq footage at XXXX when its XXXX. My state assessor also assessed my home at a value of $ XXXX. I also provided 5 additional comps that showed my house value was above $ XXXX threshold to remove my PMI. I shared this information with homepoint financial and appealed the $ XXXX value which had no comps/evidence to support. They refused by appeal ( XX/XX/2020 ). I tried to call them to speak about this and they refused to speak to me and only referred me to an email address which I tried multiple times and was not successful in getting a response. It seems they are deliberately refusing to remove my PMI. The person they hired for the BPO came up with a value with no support, and it seems this was done intentionally so I would not meet the PMI threshold. The comps in the BPO report price per sq foot shows my home meets the requirement.
11/02/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • MI
  • 49707
Web
In 2016 Took out a Loan with Home Point Financial this year in the last three weeks refinancing and onto to find out can not close because lean om my home with past klender that Homepoint was responsibe to take care of with there previous titale company pai XXXX to a titale company and homepoint finacial to do XXXX. The last two days been working continuiously to try to get the Lien off with minimal help from my current lender that messed up to began with. I sent them several documentations in the last two days. Even wen to court house this morning to only look like a XXXX the county court hosue i worked at in past how embarrising I been paying home point for a whole years and they dont even hold my mortgaege. And aagin this is not my field when i apply and take out a loan i exspect the lender and the titale company and all involve under the sole responsibility of the reatining lender to take care of everthing they had no poroblem taking my money for closing cost now they asking me for documents and want me to fix the problem which is totally nonsense and they shoudl own up take responsiblity and fixe the problem. They tell me they dont even have access to my fiel which is bull yes they do I did follow up with attourney and 3 other lenders 2 are the top lender in the nation. This stress has caused me sever health problem in the last couple weeks.
08/17/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • ME
  • 040XX
Web Servicemember
I have had a serious problem partially caused by myself and homepoint financial, my mortgage holder. In the process of moving I neglected to change my direct deposit for one month. After calling and making the back payment on XX/XX/XXXX I also changed the direct withdrawal to my new account. This change to my new account was not done so homepoint tried to charge my old account. Immediately after This on XX/XX/XXXX I called to straighten it out and was told everything was fine my new payment method was set up again. Two weeks later my account was again not charged and I was charged another late and overdraft fee. On XX/XX/XXXX I called and asked to make a payment. I was informed I could only pay via certified funds because of this mess of mistakes on their part. I told him that I travel for work and I was unable to. I was advised to pay using very expensive means such as XXXX XXXX or to apply for a deferment. Im not at all happy with homepoints treatment of me or them suggesting I fraudulently use a deferment program. I would like to be paid back for the time Ive had to deal with this, any fees I have had to pay and to be able to pay my mortgage in a way that is not such a burden. Dates of calls and employee ids XX/XX/XXXX XXXX. Payment made XX/XX/XXXX XXXX changed payment auto draft XX/XX/XXXX XXXX XXXX XXXX XXXX argued with them XXXX XXXX
01/31/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • GA
  • 306XX
Web
Im writing this letter in hope you could intervene and get Home Point to properly review our loan for assistance options. The issue started in XX/XX/2017, when I was injured while on the job. Up until this point, I had a dependable salary, XXXX. After the accident, I was assured workmans comp would help while I was focused on recovery. Unfortunately, they were difficult to work with, and I eventually had to take them to court to cover even the medical expenses. I, of course, had an emergency fund but this was exhausted by XX/XX/XXXX. During this time I did what I could to keep myself afloat. When I first contacted XXXX XXXX XXXX, they set me up with a forbearance, which I was grateful for. Sadly, when it came to the end of the year and I could get back on track, no one at the bank would speak to me. When I finally received correspondence, I was shocked to learn that I am now in danger of losing my home. It has been a difficult year, with the injury, rehabilitation and associated medical expenses that I had to pay out of pocket. My workmans comp case is now in meditation, and will be resolved soon. I started receiving XXXX XXXX payments late last year. The last step is to get my mortgage back in good standing, which I have been trying and would like to do. I need a reasonable, affordable payment plan. Home Point refuses to help.
11/23/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30041
Web Older American
Without prior legal notice : Home Point Financial Corporation changed my loan servicer from : Home Point Financial Corporation XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX TO : Home Point Financial Corporation XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX They sent me written notice dated XX/XX/2018 vis USPS Mail, that the change was to become XX/XX/2018 ... which is the date my XX/XX/XXXX Monthly Payment was electronically sent and received by them at the NJ address. The MO address now says that they have not received the payment and that the NJ address has no obligation to forward it to them! I have a Mortgage Statement dated XX/XX/2018 and sent by USPS Mail that states that I owe Home Point Financial for BOTH XX/XX/XXXX and XX/XX/XXXX Payments!. Repeated phone calls have resulted in NO ACTION on their part to resolve the issue. This appears to be a blatant disregard for fiduciary responsibility and a total lack of Good Faith in resolving a problem created solely by their failure to follow good business practices, and a potential act of fraud ( even if inadvertent ) : Failure to post the payment to a mortgage can occur extra interest charges and potential late fees. I am led to believe that I am but one of a number of people being affected by this problem and potential violation of not only Good Faith, but federal law.
10/08/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IA
  • XXXXX
Web Servicemember
Contacted HPFC to obtain a payoff quote for the sell of my home. The payoff was good till XXXX XXXX in the amount of {$320000.00}. {$320000.00} principal, {$770.00} interest, {$220.00} PMI, and {$100.00} for recording fee. Funds received after would be an additional {$29.00} per day. on XXXX XXXX HPFC received the full amount prior to their XXXX cut off time for processing. Upon review of my account on XXXX XXXX I noticed a partial settlement in the amount of {$130.00}. When asked what it was for? HPFC said interest. This is not listed anywhere on the account so I asked for a 30 day statement which I received. The only interest on the payoff was {$770.00} which was remitted and received by HPFC. I asked HPFC to do an additional review numerous times and no one can tell me what the interest is for and why it was not disclosed in the payoff quote. I have asked HPFC for a refund/dispute of the amount as it was not disclosed with no satisfactory response from the company. I want a refund and want to know why I was erroneously billed. The refund was not applied to my escrow refund either which showed a balance in the amount of {$2500.00} of which HPFC claims to have refunded as of XXXX XXXX. I want to know why the {$130.00} is charged and why the company refuses to discloses the sources and choose to omit it.
08/07/2020 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MA
  • 02760
Web
Evidently this company has denied ME based on not being able to verify MY employment? I have been ON SSDI for 5 years and when we first bought the house the lender needed my 1099. This is easy to obtain. HOWEVER I was only utilized as a co-borrower because of my credit score. They listed I lost a job due to covid? I didn't have a JOB as I was on SSDI and XXXX XXXX over there knew that. They did not ask for documents because they stated they didn't need them but to blatantly lie and say I have lost a job due to COVID? I am on SSDI. That can be verified with the government. They stated I had past due bills? I am not delinquent on an anything under my social. Please let them show me where I was late with any bill. Unacceptable payment history? That house we have is paid monthly ON TIME. If they do not fix their lies to the THREE credit bureaus, we already have an attorney ready to go after them. We have proof this WAS withdrawn on XX/XX/XXXX. They still went through anyway to mess my credit up? AND lied that they could not verify MY employment? If they simply asked for my SSDI PROOF verification letter which they did not from SSA they could have got a copy! My credit score they showed that they used was a XXXX ... clearly they are full of it when we decided to PULL out of the loan process on XX/XX/XXXX.
10/27/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • FL
  • 33755
Web
Applied for the ARM XXXX mortgage with HomePoint Financial through XXXX who works with many lenders. I was supposed to close on the mortgage on XX/XX/2022. I had submitted every single requested documentation and I was told by my contact at XXXX everything is good to go. On XX/XX/2022, 2 days before we were supposed to close, XXXX came back saying they didn't have all the documentation and that I did not have the full amount in my checking account that would cover the closing costs. This is absolutely incorrect because I had submitted my transaction history and it showed that I had the money to cover the closing costs. My house as also closing on the same day so my contact at XXXX came and said we need to wait until my house closes and get the money to show that I do have the money for the new house. This process took 1 week to complete. The new owner of my old house charged me {$100.00} per day to stay in my old house until I closed with the new house with XXXX. I had change all my scheduled dates for everything. The movers I hired could not change it until the following Friday, XX/XX/2022. It cost me {$1000.00} total to stay at my old house until I could move into the new house. I hold both HomePoint and XXXX response for the additional undue cost that I had to pay because they did not do their job.
10/24/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 91307
Web
My home loan mortgage company ( Home Point Financial Corporation ) transferred my mortgage to another company ( XXXX XXXX ) in XX/XX/2022 without proper notification to me, so I was not aware of the transfer therefore missed all the monthly payments. It caused my mortgage to be in default and the property in foreclosure, severe damage to my credit score, and over {$4000.00} fees charged by XXXXXXXX XXXX related to the missed payments and foreclosure. Both Home Point Financial Corporation and XXXXXXXX XXXX failed to send notification to my mailing address which is different from the property address. Home Point Financial Corporation has my mailing address, but didn't provide it to XXXXXXXX XXXX, so both companies allegedly sent all the mortgage transfer notifications by mail to the property address. My family and job were both impacted by Covid so I had to live at my mailing address, so I didn't receive any of the alleged notifications sent to the property address. XXXXXXXX XXXX representative claimed the company tried to contact me several times through telephone calls, but all the calls went to voicemail ( and no voicemail was left ), but the representative admitted that all the calls were made by XXXX XXXXXXXX so they were blocked by my phone service provider and I didn't receive any of the calls.
01/28/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • DE
  • 19977
Web
Hello, my name is XXXX XXXX. I have a mortgage with Home Point Financial. I have been paying the mortgage via telephone with a customer representative. I made the XX/XX/XXXX payment on XX/XX/XXXX for the amount of {$2000.00}. I used two of my financial institutions ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I've been using these same two accounts to make payments previously. When I went to make my next payment for XXXX XX/XX/XXXX, I was informed that the last payment never went through successfully. I was very disappointed in this matter. I had received zero phone calls to inquire about the failed payment. I immediately paid XXXX payments ( {$4100.00} ) via customer representative again. After making the payment, I checked both my accounts and discovered that the necessary funds were readily available & for some reason unbeknownst to me, Home Point Financial didn't retrieve them properly. Now again on XX/XX/XXXX I discovered that those same two most recent payments have not been processed & the cash is still in my account. I called Home Point & was informed that I must use XXXX XXXX to pay. I did, and was charged fees in excess of {$100.00} extra to make the payment. I attempted a third time to make the payments today XX/XX/XXXX via the XXXX XXXX option. My account # with Home Point is XXXX
08/08/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 75019
Web
Starting in XX/XX/XXXX and thru XX/XX/XXXX, Homepoint erroneously ACH a greater amount ( {$420.00} more ) than the agreed mortgage payment. They said it was to purchase Lender 's insurance due to our failure to provide evidence of coverage. It has come to light that they made an error. Their insurance department had confirmed that all the paperwork was in order, and there was no lapse in coverage and it was the mortgage 's company 's error. Over a period of 6 months, they withdrew {$2300.00} from my checking account, and after admission of their mistakes, they finally refunded me {$1300.00}. They still owe me {$1000.00}, which I once again contacted them. Homepoint acknowledged that this {$1000.00} was due to a lender 's policy for XX/XX/XXXX they bought under the wrong account in error. Every time I call, I had to recap the issues over and over again and kept getting the run around. I finally spoke with XXXX who is a supervisor at ext XXXX and he said that the company that they no longer work with the company whom they purchased this policy from and that it may take a while to get the money back on my behalf. This is clearly an error they made and should return my money while they try to recoup. Why should I be the one out of pocket for their error? I demand a refund of the {$1000.00} that I am owed.
11/15/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IN
  • 46176
Web
XXXX behind on mortgage due to loss of job and death in the family. Started modification process in XXXX XXXX. Every month since then they say that I am missing paperwork and to resend. I resend the missing paperwork and they continue to say that they did not receive it. I have all fax confirmations showing where the paperwork was sent in. I reached out the XXXX XXXX XXXX XXXX to help out with my FHA loan modification. They are running in to the same issue as me. They keep saying that they are missing paperwork. I showed all fax confirmations to the legal clinic. They were told by the mortgage company that they " may '' have the paperwork, but to resend it again so they do n't have to search. I was told that during the modification process the foreclosure would be stopped until a decision was made. However ; I received a notice of sheriff sale today for XXXX XXXX. I call on a daily basis to check up on the process and I always have to leave a message for " XXXX XXXX '' who is on an extended leave. Her voicemail says it is being checked daily and that all calls will be returned within 24-48 business hours. However, they never call back. Then when they do actually decide to call me, it 's only to inform me that all of my paperwork has " expired '' and to fill out and send in all the documents again.
08/13/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • SC
  • 29605
Web
i was a victim of hurricane irma XX/XX/2017 my address was XXXX XXXX XXXX XXXX XXXX fl XXXX my mortgage company Home point financial advised that they could do a mortgage forbearance for me due to the natural disaster that occurred. I had not missed a payment before this but due to the hurricane my work was affected and i had to pay a high deductible for my roof to be replaced. the total amount was over 5000 dollars as well as hotels for my family of XXXX children. all of our groceries were lost due to power being out. I continued the mortgage forbearance until XXXX when i could sell my home and pay off all debts to the lender. i found out after the fact that they were reporting me late to the credit reporting agencies. i can not apply for a loan due to this. i would like this to be noted that i paid my load every month on time before this disaster. i would like to file a complaint against this company since to my understanding from the FHA.gov website during this natural disaster they could not report to the credit companies negative. they have done this and despite a dozen calls and letters to this company they continue to hurt my chances to buy another home due to no fault of my own. the company received their entire mortgage amount and am not able to get another loan due to their reporting.
03/30/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 77008
Web
I sent a request to Home Point Financial on XX/XX/XXXX to remove my mortgage account from Escrow. That is, to make me, the borrower, responsible for paying the property tax and home insurance. On the phone, I was told that the appropriate way of requesting this change to my account was by sending an email to the company. I sent the email to the company on XX/XX/XXXX. I was told to expect an acknowledgement of this email within a few business days. This acknowledgement never happened. When I called the company to find out the problem, I was told that the company has no record of my request. I sent them a follow-up email on the XXXX XXXX. And still no response. When I called the company, they said they have no record of the email. Since I have sent two emails, I am concerned that this is their standard response to consumers. I asked, in a separate complaint to the CFPB, for them to TAKE MY MORTGAGE ACCOUNT OUT OF ESCROW. In their 3-page response, they FAILED TO ADDRESS THIS ISSUE. In case there was any confusion, I only ask to TAKE THE MORTGAGE ACCOUNT OUT OF ESCROW, TO REFUND ME THE BALANCE THAT IS LEFT IN THE ESCROW ACCOUNT AND TO PROVIDE AN ACCOUNTING OF HOW THIS WAS DONE. There is NO transparency in their Escrow process. I wish to take over the payment of taxes and home insurance myself.
09/24/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CO
  • 80016
Web Older American
We purchased our home in XX/XX/2019 and our mortgage was transferred to Home Point Financial. This mortgage is at a 4.75 % interest rate. In XXXX of this year we began to shop for a refinance. Home Point reached out to us after we were already approved by another company and offered a low cost refinance at an advantageous rate, with a significantly lower initial cost than the other company so we went forward with the application process. We have very good credit and an very advantageous loan-to-value. We completed our application on XX/XX/XXXX and the company went completely silent. We have repeatedly reached out to our assigned originator, XXXX XXXX, and more recently demanded to be put in touch with someone in higher authority and he has not responded to any communications since XX/XX/XXXX. It has now been over 60 days since we completed our application, and the only contact was a revised disclosure sent to us about 3 weeks ago. We believe this foot-dragging is a scam to keep us from refinancing our high interest loan. Now we have to begin the process again with another company which will negatively impact our credit rating. We would appreciate any action you would be willing to take against them to force them to at least tell us why we were declined, or even if we were declined.
03/20/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 75023
Web
I have a mortgage loan that is serviced by XXXX XXXX XXXX. XX/XX/XXXX, I contacted XXXX to inform them that I was switching home insurance carrier and that I would be paying the annual premium of XXXX. I requested a new escrow analysis to determine my new payment amount. In addition, I send them a check for {$1900.00} to reimburse them back for the payment that was made to the previous XXXX carrier. As of today, I have not received a copy of the new analysis or what my new payment would be. I contacted XXXX again on XX/XX/XXXX. I spoke the CS manager and she manually calculated the new payment to be XXXX, however I informed her that the online statement was XXXX. I requested XXXX reimburse me back the XXXX which was authorized and I would receive the funds in 5 business days. I have grown frustrated with the XXXX due them not being transparent about what my new payment will and the more importantly, the fact that they are still taking including the XXXX in the total monthly payment, even though I paid the full annual premium. The told me that if I pay the premium amount, a new escrow analysis would be conducted and my monthly payment would be reduced and not include XXXX. I felt like they have misinformed me and haven't not very helpful or transparent in addressing my concerns.
06/06/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • MA
  • 021XX
Web
Over this past weekend, Home Point Financial corporation reported to the credit agencies that I was delinquent 30 days on my mortgage payments. I have verified with my bank and with my account on the Home Point Financial website that I am currentl on all payments. This error in reporting dropped my score by over 100 points. I have attempted to reach them repeatedly to no avail, and I have received no response to phone calls or email sent to the company. I found out that other customers are affected via a XXXX XXXX, when I would have rather heard directly from the company. At this point I do not know when this will be corrected, how long it will take to reflect in my credit score or what long term effects this may have on my account. Given the recent track record that I've had with this specific servicer, who was late to pay my home and flood insurance as well, I don't expect their resolution to make everything right in a satisfactory amount of time. This is alarming, given the severity of the problem they are causing with the credit scores of their customers that are responsible and pay on time. I am concerned this may occur again with this servicer. Upon request I can provide copies of relevant statements from the Home Point themselves along with those from my bank.
06/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 90042
Web
Home Point Financial took over the loan about a year ago. For nine months they did not report my payments to the credit reporting services, so my balance was not going down, even when I made my payments. I complained to XXXX and Home POint Financial started reporting me. Around XX/XX/XXXX they started sending me double statements. One statement would say all is OK and one would say I am late by a month or two. I have never been late and I have proof of payment for every month. My credit scores are between 800 and 850. Contacting them was nearly impossible. The website does not work. I have attempted to enter it a dozen times, but either it is down or does not recognize me even when I change my password. I believe I was successful one time. Their phone system does not answer, either. Latest time I tried to call them was today, but their recording says they have a system error. I have mailed them letters with proof of payment twice, but gotten no response, or at least no response I can access. Now I got two notices that they have reported me as late on my payment to XXXX, XXXX/XXXX XXXX ( not sure based on what service that is ) and possible others. This company is causing too much worry and work for consumers and should be fixed/shut down. Thank you for your help in advance!
09/30/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33547
Web
Hello, I had a mortgage with Home Point Financial and was in a forbearance due to Covid ( My Husband worked for XXXX XXXX. The forbearance is from XX/XX/XXXX - XX/XX/XXXX. During the entire forbearance process I have been told that, due to Covid, the amount would be pushed to the back of the loan. My loan was then sold to XXXX XXXX effective XX/XX/XXXX. I received a notice from XXXX XXXX advising that the loan is in default. Called XXXX XXXX and was told the loan is due and they will not offer a deferment. Called Homepoint and XXXX on three way on XX/XX/XXXX. Spoke to XXXX at Homepoint ( agent # XXXX ) and XXXX at XXXX ( asset Manager ). XXXX states loan is XXXX XXXX and DOES qualify for deferment of total amount at the end of the forebearance. XXXX states that XXXX doesn't service loans backed by XXXX XXXX so that is impossible. XXXX forwarded the loan origination documents and the loan IS backed by XXXX XXXX Homepoint then reported my loan 120+ days late to the credit bureau XXXX I have sent them an email, and they said it will be under review for 30 business days. Why was my loan transferred to a servicer who doesn't service XXXX XXXX? Will the deferral be possible? Why am I reported late while on a forbearance? I am extremely concerned and want a resolution.
03/15/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 91977
Web
I received communication from my mortgage provider that my home owners insurance had expired and that they would seek to provide coverage that would be more expensive and less coverage than if I would be able to obtain on my own. I cancelled my policy at year end of XXXX with XXXX XXXX and went with a new insurance provider ( XXXX ) for this year XXXX. There was some mis-communication between my new insurance provider and my mortgage lender. My mortgage lender never received the new policy. I was first contacted by them through mail sometime in XXXX and they had instructions on how to upload my new insurance info through the 3rd party website XXXX which I went and completed. I thought everything was good until XXXX when my new bill for XXXX went up by {$150.00}. I called on XXXX, XXXX, XXXX & XXXX trying to resolve this issue and I asked them to also remove my insurance from being calculated in the escrow account as I will be paying them directly as I have starting this year. All those phone calls, the rep couldn't help me. They gave me email addresses and websites. I tried multiple times to upload my insurance information and sent emails with no return response and my mortgage payment is still increased by {$150.00} and my account still shows my expired insurance policy.
11/09/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 087XX
Web
The loan modification was completed and filed with the XXXX County Courthouse XX/XX/XXXX with the new payment of {$2200.00}. We have continued to make this new payment since XXXX of XXXX ( when loan mod started ). Home Point Financial has been our mortgage company since day one ( apparently the loan had a different service last year. HPF claims the last servicer didn't file the documents internally or transfer with the file. After speaking with them nearly weekly for the last 3 months I finally spoke with a Supervisor yesterday ( XX/XX/XXXX - XXXX ). He mentioned that the payments have been properly posted. However, unknown to him the underwriters still haven't made it official in their system which causes continued charges, fees, late credit issues and negative reporting with the credit agencies. Our credit ( both my wife and myself ) has gone down over 100 points since beginning this process last XX/XX/XXXX. We have never been late or missed one payment yet this continues. Home Point Financial Loan # XXXX Loan Mod # ( XXXX ) XXXX XXXX ( Supervisor ) extension : XXXX Enough is enough - fix the files, terms, and payments that both of us agreed to, signed and filed with the local courthouse. Also, the terms were to erase any and all negative credit bureau reporting.
08/17/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30307
Web
My mortgage has been serviced by Home Point Financial since I originally bought the house about 8 years ago. I have ALWAYS paid my mortgage on time and have always paid more than the monthly amount due in order to pay down the principal and pay it off more quickly. This was never an issue until 3 months ago and now every month instead of Home Point Mortgage putting the additional amount I pay towards my principal they are instead paying it towards future escrow and interest payments which is paying themselves instead of putting in towards my principal. This is infuriating. I called them twice and had them reverse and now this last time they were supposed to and they did not reverse. So they are stealing my money and I'm talking over {$3000.00} for last month. The total amount left on the mortgage should by about $ XXXX but it's still $ XXXX since they aren't handling my payments correctly. It seems that since they see that I'm paying this off quickly that they are trying to keep me from doing so by applying my payments to where they want to continue making $ $ off of me. BTW, there is NO Pre-payment penalty to this mortgage. Home Point Financial should be investigated and fined and I should have my mortgage payments fixed by them for this absolute illegal activity.
04/27/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • SC
  • 29910
Web
XXXX I really need your help I pray you can do something. Listen to this, home point finical changed my XXXX mortgage check to XXXX dollars less and then never told me ( federal offense ). 3 weeks later I received a letter and called right away but couldnt get through due to the virus. Next, I got a hold of someone that said he would fix it but didnt. I sent a check that got there on the XXXX I believe of XXXX and my check was dated XX/XX/XXXX. They held my check 3 weeks and cashed outside the XXXX window of XX/XX/XXXX. They cashed the XX/XX/XXXX check on XX/XX/XXXX. I called and screamed it killed my credit score down from XXXX XXXX XXXX XXXX to almost 600 with the way they are reporting it. So now they are telling the credit reporters Im not caught up with payments but I am and they said the only way I can get them to remove it is if I send XXXX roughly ( 3 mortgage payments ). Listen, there is a national crisis, Im trying to get payment to them. Its not fair if the mail was slow. Everyone is short staffed. They cashed all my checks but wont apply then and notice there are no late fees. Meaning they got my payment on time. After looking up reviews of the company they are doing this same thing too people. Anything you can do Im going to lose my house
01/26/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • 80126
Web
This happened several times over the years, with the most recent experience happening in XX/XX/XXXX. I made a large payment with a note to put the payment towards principal only. Instead the payment got distributed towards some principal and some interest. They also pre-paid my regular monthly mortgage payments several months in advance. I called to have this be moved all to principal. Was told its going to get done. Had to call a 2nd time b/c prior action was only partially done. On this 2nd call, I learned that the company instituted a policy that an account has to be pre-paid 2 months in advance before any large amount can be out towards principal only. Apparently they did this policy change in XX/XX/XXXX, but the agent wasn't sure. This was not communicated to me when the policy was changed. Nor was it mentioned during the 1st call I had to make to correct the issue. And more importantly, can they actually make this policy? Should I be able to put money towards principal? Especially when my account is paid up, I have no late payments, and in general good standing. The misallocation of funds to principal only, when that is a clear request on the funds being transferred and multiple times required to follow up to correct the issue is problematic.
01/17/2019 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CO
  • 80538
Web Older American, Servicemember
I am a XXXX Veteran and applied for a VA Home purchase loan. I have been trying to purchase this home for two years and have had problems with the seller. My son used to live at the property but I wanted to buy it as my primary residence. With help from the courts we were able to get a court action stating that I could purchase the property. I submitted all the required paperwork to Home Point Financial Corp and was approved for the VA loan. I completed the VA appraisal, the Termite Inspection and the Survey. I was suppose to close on XX/XX/2019 but was informed by my loan officer on XX/XX/2019 that Home Point Financial had denied the loan stating that they did not feel I was going to occupy the home as my primary residence and that I would not be able to maintain the up keep on the property. They came to this conclusion due to a letter that was sent to them from the seller of the property containing inaccurate information. At no time did they contact me to discuss this situation. The requested more documents from my loan officer, which were provided immediately. I do not feel that a lender should be allowed to deny a loan due to speculation and that they feel a XXXX veteran can not maintain the property. I have attached the letter from the Underwriter.
03/05/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • AZ
  • 85326
Web
Sir/Madam : I had requested & was provided a FHA Partial Claim. I signed & had notarized, and returned the Claim as required. Home Point Financial then had it legitimately recorded by my County of residence in XX/XX/2020 ( see attached FHA Partial Claim PDF ) Now I am being told that Home Point Financial did not follow through with the Lien Holder, HUD and it's apparent they received no money in exchange for covering the 3 deferred payments I was granted. I was not informed of their reckless actions by Home Point Financial themselves, but by the new mortgage servicer, XXXX Mortgage, who was never informed by Home Point Financial of the recorded Partial Claim. Home Point Financial should either : A ) Request the Lien be removed by the XXXX County recorder, or B ) Follow through with what was already agreed to in writing & remit monies to the new Mortgage Servicer, XXXX Mortgage. I strongly believe this matter should be taken very seriously. Filing a Lien, even though it was requested by the borrower, and never finishing the process, yet having it recorded by the County as a legitimate Lien institutes fraud on their behalf. Please forward this complaint to their respective department for a quick resolution. Thank you in advance. XXXX XXXX
11/26/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • RI
  • 02816
Web
In XX/XX/2017 we decided to refi through HPF. We were to expect a lower monthly payment for the same services. We were refunded taxes " paid in full '' by the law firm. Those funds should have been returned to escrow. During the annual escrow analysis it was discovered that we had not had two escrow items included at on-boarding. I went back and forth with the we care team and were promised they would add the items into my escrow. That did not happen. Our previous mortgage company did pay the landlords insurance policy and our fire tax. HPF refused to do so. To settle the issues of the increased monthly payment and the escrow expenses HPF branch offered us a {$1200.00} reimbursement in addition to a settlement from HPF corporate. We signed the settlement under the advise of the branch employees and on good faith this long drawn out process would be solved. However once we received the corporate settlement we were refused the branch payment. Corporate says the branch can not offer the refund. The branch still maintains that they did offer the refund and stand by it. During the course of this transaction i have been in communication with countless members of the we care team, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX.
05/25/2019 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • IN
  • 46219
Web Older American
Brought house inXX/XX/XXXX I have heard buyer beware what about railroaded that's what happened railroaded in to the real estate deal deceptive practice s by Stone gate mortgage was handed the inspection report the day. Before the closing was not told about black mold, wood rotting of floors, the house ready to collapse, rain damage, moisture causing black mold in crawl space or carbon monoxide in the back bedroom I have to keep the door shut and cardboard under the door. The roof leaks the walls cracking apart the house is falling in on it's self. There was 10 percent inspection done in the crawlspace. The realtor was dating the inspector the condition of the house caused a slew of health issue s respiratory infection s, tremors and memory problems, migraines, the water is on a well smell of rotten egg, sulfide gas, iron and sulfur bacteria this happen after the water heater had to be replaced XX/XX/XXXX payment {$62000.00} a month the central air went out now I have to have a hang on unit air conditioner the house is in a bad shape can't sell to the public, the price is to high to sell to a investors. XXXX insurance company said after paying them three years that the coverage for {$130000.00} XXXX s said it's my XXXX lost.
10/16/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 02360
Web
Home Point Financial sent us the annual escrow account statement in XXXX which included the option of a catch up payment of {$2400.00} and a mortgage payment of {$2800.00} or a new mortgage monthly payment of {$3000.00} to incorporate the shortage in the escrow within our monthly payments. As we are paid several months ahead on our mortgage we made the following three payments : 1 ) XX/XX/18 {$2400.00} Escrow Catch Up 2 ) XX/XX/18 {$2800.00} New Mortgage Payment if Escrow Catch Up is Paid ( XXXX ) 3 ) XX/XX/18 {$180.00} Difference in XXXX Old & New Payment ( Old Payment {$2600.00} ) The problem is that the company applied the Escrow Catch Up payment to Principal and has yet to apply the {$180.00}. I went online and discovered the issue and called approximately on XX/XX/18 and was told it would be resolved. I went online again on XX/XX/18 to confirm the correction and nothing had changed. I contacted the company again and was told that my request for this correction was denied. Apparently, this issue is being moved to a Director for consideration. As the customer and consumer I am extremely upset about the way I am being treated and the way the company is handling their mistake. I welcome any assistance that can be provided.
06/08/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 22201
Web
The company that services my mortgage, Home Point Financial, sent me links to a faulty website to upload HOA insurance information. The website simply does not work, and the servicer does not participate in any of the programs where they can verify that the HOA has insurance directly. I emailed them proof of insurance several times and received no response. I called, and regardless of how long I wait, can not get through to anyone. I request to schedule callbacks, and they never happen. I one time was able to get through to their insurance department by contacting another part of the company, and they verbally and by email confirmed receipt of my proof of insurance. I separately received a message from the main customer service section confirming receipt. I now have received a letter stating that they took out an insurance policy at my expense at a cost of {$4900.00} per year. This company is at best incompetent and should not be managing federally regulated mortgages or at worst is part of a scam where they pretend not to receive information in order to funnel egregiously priced premiums at friendly business partners. I strongly suggest an inquiry into this company 's practices and whether they have done this to others.
02/09/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AZ
  • 85050
Web
Hello, I am actually strongly disappointed in my service with Home Point. I have been with them guys for almost 3 years and i have made all my payments on time and for some reason a payment was rejected and was put into 30 days late and it is now on time however that 30 day late will not be removed and it has caused a XXXX point hit to my credit which has affected my eligibility to qualify for a refinance with them here in the future. After speaking to multiple associates and submitting multiple disputes to try and get the 30 day late rescinded since we did submit a payment on time that was rejected i will definitely make sure to never use Home Point again and to make sure none of my friends or family never use Home Point as well because this has been a huge damper on my credit and my financial status. I have a wedding approaching in XX/XX/2021 and this has affected the ability to refinance this mortgage, and purchase a new home both which i wanted to do through Home Point however since this issue has happened I will never make that mistake of choosing Home Point again. This is my last effort to plead to have that 30 day late rescinded since we did make a payment that wouldve been on time but was rejected. Thank you,
12/27/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33908
Web Older American
On XX/XX/XXXX, my home was damaged. My homeowner 's insurance company. XXXX XXXX XXXX sent an adjuster to look at the damages. I had wind damage to my roof and mold damage to several walls and baseboards. On XX/XX/XXXX, XXXX XXXX sent me a preliminary settlement for the damages of {$44000.00}. The check was made out to me and my wife and also HomePoint Financial ' At the point, I called HomePoint to see how to handle the check. They sent me written instructions on how to endorse and send the check to them along with the various accompanying documents they required. They acknowledge receipt on XX/XX/XXXX In addition, the XXXX XXXX adjuster sent his report on the damage and the cost to repair to it on XXXX XXXX. It even included a contractors estimate and agreement to do the work. Initially, HomePoint told me they would send me a check for the repairs but withhold ten percent the amount until their inspector approved the work. I never received the check nor heard from HomePoint again. I have called them several times and each time they had an excuse for not sending the check. Finally, on XX/XX/XXXX they told me that they did not like the adjustors report, so they were putting the check in escrow. They offered no remedy.
02/06/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • OR
  • 97202
Web
My issue has to do with an existing mortgage, but the categories available doesnt fit my issue. I am setting up a revocable living trust and reached out to our mortgage company ( Home Point Financial Corporation ) on XX/XX/21 to inquire if a due on sale clause will be invoked should I transfer title of the deed to our home to our names as trustees of the trust. I also informed the supervisor that do not wish to make any changes to whom is responsible for the loan itself. Our individual names will still be on the loan and the trust will not be listed as the payor of the mortgage. We spoke to a supervisor who was unable to answer our question so we requested to speak to someone in the legal department to see if they had the answer. Home Point refused to transfer us to the legal department and in addition refused to provide an answer over the phone or in writing. I believe this is a common situation that should be easily answered in writing, but they refused to do so and would not give us a legitimate answer on why they would not provide it in writing. I also know that it is illegal to invoke a due on sale if I transfer the title of the deed to our home to the trust, but they refuse to acknowledge that fact.
03/18/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 023XX
Web
Homepoint miscalculated my escrow after refi XX/XX/XXXX. XX/XX/XXXX I requested they correct the amount, ( too high by over {$XXXX} ). When I called to check on this I was told they had not even done it, and in fact had closed the issue without doing anything. I again requested a recalculation. On XX/XX/XXXX I was provided with a Escrow Statement that completely left out my home insurance payment. I asked for Homepoint to recalculate the escrow a third time. I was assigned a Complaint Associate who would take ownership of the issue, he only called me twice. Both conversations were to notify that it had not been fixed yet. Today I called because I had not heard from them and I was concerned that my home insurance payment had not been made. The associate I spoke with read the new escrow amounts to me. They are close to correct, but I think the home insurance amount is still too low. I can not access the new The people I spoke with today could not even help me because their policy is that once it has been escalated to the Complaint department I can only talk to them, but they somehow can't get anyone on the phone. This whole time, I have asked to speak with Escrow directly and they will not allow it.
06/04/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 293XX
Web
I was checking my credit score after being rejected for a job due to the large drop in my credit score. My credit dropped 127 points and said I did not make a payment and it was over 30 days late. I've made all my payments on time and make sure they clear my bank. The show the amount of {$860.00}, but this is not my payment nor would it be if a " late '' penalty was added in. All my payment have cleared on average of 7 days after payment has been made. My normal mortgage payment is {$810.00} and due on the XXXX of each month. I tried to call the company, I was put on hold for over 2.5 hours ( I finally hung up ), I put in my loan info, the line rings busy, an automated recording comes on and then hangs up on you. I've sent an email to every email address on their website with no responses. There is no way to contact this company at this point. I've files an investigation with the credit bureau and it is in process at this time. This has hurt not only my credit, but my fiance as well. How is it a company can make such a gross error and we the consumer should just write it off as it has affected our lives. Companies need to be held on their errors and pay when this messes with peoples lives.
12/25/2020 Yes
  • Mortgage
  • VA mortgage
  • Closing on a mortgage
  • TN
  • 373XX
Web Servicemember
XX/XX/XXXX applied for cash out refi. Was informed by mortgage loan originator to skip XXXX mortgage as we were to close the week of XX/XX/XXXX. This fell through and was latter scheduled to close XX/XX/XXXX before XXXX that fell through I had in turn to pay XXXX mortgage pmt in which I incurred a late fee. I was then informed to skip XXXX pmt. following there directions I complied and incurred another late fee. I was informed that after 100 days two late mortgage pmt and a late car note we closed on the XXXX of XXXX with a 3 day right to refuse and the refi was to fund onXXXX XXXX today is the XXXX XXXX they paid off primary mortgage but did not fund my cash out proceeds into my checking account I guess maybe it will eventually fund after XXXX. I wish to file a formal complaint against Home Point financial they are the most unprofessional, incompetent, unorganized institution I have ever encountered. They went home on XXXX leaving this refi loan in total limbo and still is at this time partially funded. I only wish to help all veterans to steer clear of this institution which is a total fiasco!! They have proved time after time they are not customer friendly but are highly incompetent.
09/23/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33180
Web
On XX/XX/XXXX I logged in to Home Point Financial website and made a payment for my XX/XX/XXXX statement. It shows in my bank account the money went out XX/XX/XXXX. Home Point Financial has reported my credit and my husband 's as late. We made the payment before the 30 days, if it went out after that is something between the banks that has nothing to do with us. I sent them an email and they requested evidence which I sent, the lady requested more evidence which I sent and she still says is not sufficient. Today I received an email stating the evidence I submitted is still not sufficient when it clearly shows the money went out XX/XX/XXXX to Home Point Financial. She also stated if we don't submit what she wants by XX/XX/XXXX she will have our complaint closed. This put us on a really big disadvantage as we are staring our holiday season stating this coming Monday XX/XX/XXXX. XXXX of the things they are asking is a bank statement from XX/XX/XXXX which is a month that hasn't end so basically I'm not sure if they know what they are doing. Also not sure if there's some antisemitism involve since her due date is during our holidays, don't want to think she is willingly trying to ruin our season
03/10/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 301XX
Web
Since I had my home in XXXX, my mortgage company has been changed 3 time. My current company Home Point financial, which I have been with since XX/XX/XXXX, has increased my monthly payment every year. What I dont understand is no one in my neighborhoods mortgage has been increased. I have a single family and its only my spouse and me. When this mortgage company took over my monthly bill was {$630.00}, then to {$680.00} and not they are increasing it to {$710.00} as of XX/XX/XXXX. Why does it increase seems every 6 months, when my income isnt increasing to keep up. Ive owned a home in XXXX for 15 years before coming to XXXX and never has my monthly mortgage payment change so frequently as this. And the cost of living in XXXX is more expensive then XXXX. Bottom line is why this is happens and how does anyone not go bankrupt? And is this a normal practice. I would be open to a new mortgage company if this keeps happening, because eventually I wont be able to afford it! Please help me with this, Ive asked for clarification from the mortgage company but it all sounds toooo technical for the command person to understand. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/03/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IN
  • 474XX
Web
Hi. we refinanced thru a mortgage company in XX/XX/XXXX. I have the escrow analysis from the mortgage company estimated to pay out in XX/XX/XXXX spring taxes. our loan got sold to Home Point Financial. I emailed them early XX/XX/XXXX telling them my spring taxes were due, they asked me to send a copy of the bill- I sent that ... I'm just finding out now XX/XX/XXXX that they NEVER paid my Spring XX/XX/XXXX taxes from escrow. They paid my Fall XX/XX/XXXX & insurance XXXX emailed them in XX/XX/XXXX stating Im seeing a penalty fee of {$47.00} & the county is charging a total of {$1000.00} which is : my spring XXXX taxes, my spring XXXX taxes & my penalty fee..HomePoint Financial ONLY PAID {$500.00} on XX/XX/XXXX!!!!! They responded to my email saying they did disburse my Spring XX/XX/XXXX taxes..TOTAL DISREGARD FOR MY BILL AMOUNT, TOTAL DISREGARD FOR XXXX EMAILS IVE SENT NOW ... I have 5 days to pay my XX/XX/XXXX spring taxes or i get ANOTHER penalty if not worse. I want to know : WHO is reading my emails & responding with disregard to my actual inquiry, WHO disbursed my Spring XXXX taxes with disregard to the total bill & WHY they are ignoring my inquiries for my XX/XX/XXXX BILL!!!!!
09/03/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Loan sold or transferred to another company
  • TX
  • 78210
Web Servicemember
This is the 4th time my home mortgage has been transferred to another company within 3 years. The amount of times I had to create a new log in and handle changing payment set up is tedious and troublesome. On top of that, the effective date of the recent loan transfer from Home Point Financial Corporation to XXXX by XXXX XXXX was on XX/XX/2023. That is a Friday on a major holiday weekend. I thought I had submitted my mortgage payment for XXXX on time, but I am unsure because I could not find an email or record of submitting it. I tried to verify with my Home Point Financial Corporation online account this weekend, but have been kicked off their system. I have not been able to log in successfully. I tried to log in to the new loan servicer, XXXX but their website keeps crashing and is unable to provide more details on previous payments submitted for records from previous mortgage company at this time. I am stuck between a rock and a hard place. I have the money for the payment, but I can't verify if I did actually submit a payment. Even if I had not submitted payment before the loan transfer on XX/XX/XXXX,, I can't even submit a payment online through the new loan servicer.
10/30/2020 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • AZ
  • 85326
Web
I deferred {$3600.00} ( three payments x $ XXXX/month ) on my FHA Mortgage serviced by Home Point Financial Corp. This was due to a Covid-19 loss of income situation as allowed by the CARES Act. I promptly contacted Home Point to end forbearance and to resume payments. I requested and received Partial Claim documentation via XXXX from Home Point and understand completely that a second lien will be required for {$3600.00}, the amount of the deferred payments. If you look at the Uploaded document prepared by Home Point and received by me, the amount of the second lien is in excess of {$6100.00}, nearly {$2500.00} higher than the amount deferred. This is a binding document and can not be changed once signed/notarized. I have remitted the upcoming month 's payment in-full and the amount of deferred payments are the only outstanding balance.. I understand there may be a small amount ( {$120.00} or less ) charged by Home Point for preparing documents and providing a return XXXX label for my use. However, a {$6100.00} second lien as written in this binding document for deferring {$3600.00} is egregious and absurd. Thank you for reading my compliant. Respectfully XXXX XXXX
12/24/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 613XX
Web Older American, Servicemember
I've always paid my mortgage payment and have been with Homepoint Financial Inc since I bought my house in XX/XX/2017. In XX/XX/2018 Homepoint stated that they didn't have insurance verification and were charging a hazord fee. I've had insurance and the insurance company, XXXX XXXX XXXX, sold our policy to XXXX unbeknowest to us. When Homepoint tried to reach out to XXXX XXXX XXXX they didn't provide documentation. Since finding this out, we've contacted XXXX and had them fax our policy and verification that we've had insurance. I've talked to Homepoint several times trying to fix the problem and verifying that they received verification from the insurance company. When I speak to Homepoint they state that the problem is fixed. I've tried since XXXX to pay over the phone to them for the monthly payment but they will not take my payment and stated they have raised my monthly payment from {$460.00} to over {$700.00} a month. I've sent checks for my monthly payment but they won't cash them. They won't accept my payment for XX/XX/XXXX and XX/XX/XXXX. I need help with this company. I've never been late on any payment and this is causing me great stress. Thank you, XXXX XXXX XXXX
05/11/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • WA
  • 980XX
Web
XX/XX/2021 : Filled out the paperwork for our XX/XX/2021 first payment with homepoint financial after our refi. Requested Flex pay, meaning half the payment came out the XXXX of the month and the XXXX half the XXXX. Was told after calling several times everything was setup. XX/XX/2021 : XXXX full house payments where drafted from our account. I was told i couldnt get a refund on the second house payment for XXXX business days. I decided we would just pay XXXX and XXXX. I was told XXXX autopayment was setup for XX/XX/XXXX for our full house payment. XX/XX/2021 : A refund for the second house payment in XXXX was given with no notification to us. XX/XX/2021 : Received a notice our XXXX payment was late. Called and explained, and asked why I received a refund and no one let me know. They didnt have an answer. Paid XXXX and made use XXXX auto draft was setup for XX/XX/XXXX for full house payment. XX/XX/2021 : Nothing was drafted from our account on XX/XX/XXXX. I called and made the payment and confirmed auto pay for XX/XX/XXXX and was told this would be resolved. XX/XX/XXXX : No payment was drafted and issue still not resolved and XXXX didnt call me back with an update.
03/13/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CA
  • XXXXX
Web Older American
Back in XX/XX/XXXX I refinanced my home for a lower interest rate. At the same time my property tax was due on the home. Two property tax payments were sent to XXXX XXXX XXXX XXXX 's Office. One by the new Escrow Co ; XXXX XXXX of XXXX XXXX, CA and the other payment was sent by XXXX XXXX XXXX XXXX. my previous lender who was paid in full on the old mortgage. The duplicate property tax payment of {$1100.00} was finally sent back to the old lender ( XXXX XXXX XXXX Co. ) in the 2nd week of XX/XX/XXXX. I had confirmed this with the XXXX County Property Tax Office by XXXX XXXX. I have since on several occasions called by phone and was told by Home Point to send them an E-mail which I did 30 days ago with no return reply or when I wwas to receive that payment which came out of my Escrow funds from Home Point. They still owe me that payment for duplicate property tax payment that came out of my XXXX XXXX XXXX escrow account. Please contact XXXX XXXX XXXX and inquire why they have not sent me my entitled escrow funds that are due me. It's been five months now since that duplicate property tax payment has not been sent to me. Your help in this matter will be extremely appreciated.
02/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30349
Web
My mortgage lender Homepoint Financial incorrectly reported in XX/XX/2020 a late payment on my credit report. I have put in many dispute request and provided ample evidence to support this inaccurate reporting to the credit bureaus. Each time I put in a dispute, I rarely receive an outcome nor have I been contacted by a representative from Homepoint. I have placed multiple calls to Homepoint over the previous 6 months and each time I am either told I need to provide additional documentation in which has already been provided previously or told I will receive follow up in which never occurs. I have bank letters hand written and signed by my bank manager showing there were funds in my account at the time of the withdrawal in XX/XX/2020. Furthermore I have never had any negative reporting on my credit and always maintained a high credit score over 800. I have never been late paying Homepoint in my years having a mortgage through this company. This has drastically negatively impacted both my husband and I credit report and score. I am exhausted with this process and not sure who else to turn too regarding this matter. Thank you for your time and understanding. XXXX XXXX XXXX
12/22/2016 Yes
  • Mortgage
  • VA mortgage
  • Settlement process and costs
  • MD
  • 21060
Web
On XX/XX/2016 I verbally accepted an offer for a refinance from Homepointe Financial. The loan XXXX pre approved me for a XXXX % interest rate for a VA XXXX and per our phone conversation advised that my rate was locked and if it were to decrease in this process they would honor a lower rate. I signed all of my initial disclosures on XX/XX/2016 with the notary provided. On XXXX XXXX I was notified that my loan was approved and that were set to move forward to closing. I do unsigned the XXXX XXXX and redisclosures on XX/XX/2016 and XX/XX/2016 I reached out to the loan XXXX to advise that all docs were signed and did not get a response. On XXXX XXXX I called to find out why we have not closed yet, I left a message with the receptionist as well as on the XXXX voicemail. Later this same day I received a call back for an individual from the company advising me that my loan is unlockable and that we would not be closing. They offered me a refund on my late payment for my current mortgage and offered me an apology. I reached out to the XXXX and to a higher up XXXX and was told that my loan was indeed never locked as promised and offered no alternative to getting the loan closed.
03/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 34787
Web
In XXXX, I was impacted by Hurricane Irma. My lender, Home Point Financial offered assistance by allowing me to defer payments on my mortgage for 3 months and then at the end of XXXX, allowed me to pursue a disaster modification. The disaster modification was finally completed in mid XXXX after many calls to confirm what was needed and ensure payments were made timely. Midway through XXXX, Home Point Financial also did some kind of reorganization which included changing their name. At one point in the 2nd quarter a mistake was made on all accounts going through a disaster modification ( this is per a representative I spoke too ) resulting in a lot of us being reported past due incorrectly ( we were in forbearance as the disaster modification was being processed and the forbearance was not taken into account during reporting ). I was told that credit reporting would be updated to reflect this is a mistake and took Home Point Financial at its word that it would be fixed. Fast forward to today, I noted a missed payment notification and traced it back to XX/XX/XXXX where apparently I was reported 60-89 days late despite being in forbearance during my disaster modification.
12/21/2015 No
  • Mortgage
  • FHA mortgage
  • Loan servicing, payments, escrow account
  • MD
  • 21001
Web
I have encountered a serious problem with my escrow account with Home Point Financial, Mortgage XXXX XXXX. XXXX. This loan settled on XXXX XXXX, 2015. I was notified on XXXX via my Annual Escrow Account Disclosure Statement that my escrow account was short by {$1700.00}. The loan is not even XXXX XXXX XXXX yet, and there is a serious shortage. Home Point states that even if I pay the shortage, my monthly mortgage payment will increase from {$1400.00} to XXXX. This will create a serious hardship on my ability to pay my mortgage. I contacted my Loan representative XXXX XXXX, Home Point Financial, who researched this problem and informed me that XXXX XXXX XXXX XXXX XXXX XXXX failed to include the City of XXXX XXXX XXXX in my mortgage loan and that has resulted in this serious shortage in my escrow account. Because of this failure by XXXX XXXX, I have been placed in a serious financial hardship with my mortgage. The loss I will suffer from this mistake is as follows : {$1700.00} escrow shortage {$1500.00} additional amount required in monthly mortgage payment for 1 year ( New loan amt. {$1600.00} - old loan amt. {$1400.00} = {$120.00} * 12 ) {$3200.00} Total loss
02/23/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 34287
Web Older American
Overview : Originally I wanted a 15 year fixed loan for a new home purchase. I was advised that I did not qualify. I was never given a reason as to why. I then was advised by my broker that I could make two extra payments per year and get the same outcome. I signed up in XXXX of XXXX for XXXX payments to accomplish this XXXX goal. I explained that I wanted XXXX extra payments per year. Complaint : Payments were misapplied from XX/XX/XXXX to XX/XX/XXXX. Gross miscommunication. I was never given the option to recast. The company was requested several times to stop XXXX withdrawals that resulted in overpayments of approximately {$10000.00}. Finally in XXXX of XXXX XXXX payments were stopped. However, In XX/XX/XXXX, I had received the attached letter regarding their new prepayment policy. HomePoint advertises that they have a NO prepayment penalty policy. I agreed to let the payments be applied for the next several months. However, I was never given the option to recast. The overdraft dollars were not applied to the principal. They were applied to future fees and interest. Attached : Payment history, personal record of conversations, XXXX letter from HomePoint.
06/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • KS
  • 662XX
Web
XX/XX/XXXX I received an alert that my loan with Home Point Financial is being reported 30 days past due in the amount of {$780.00}. Every time I log in to their website, I have received 0 notice of any past due amount, and have received no communications in writing or by phone of a past due amount. I attempted to log in to their website, but am locked out. I attempted to call them to get it unlocked, but they're only open M-F XXXX-XXXX. I attempted to call them this morning, and they're having " system issues '' yet again. I can't access basic information about my account in the IVR, because any time it tries to pull up my account it locates 2 loans and then gives me an error message and hangs up on me. They've had " system issues '' and " website difficulties '' since they did an " upgrade '' to their services. This has resulted in a communication to accountholders with them from their company 's president, yet it's still not fixed. Their XXXX official response team just says " we're going through system changes/updates '' to any problem reported. There's virtually no way to contact this company if you have a servicing issue, and they've now violated FCRA.
05/18/2020 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MA
  • 02760
Web
Called on early Friday afternoon- XXXX XXXX to refi using a fha stream line, and XXXX XXXX was supposed to work with me stating this wouldnt be a problem. The minute I said I would work with him he locked the file so no one else could look or work on it. I know this bc when XXXX ignored numerous calls I went to see if someone else could help. Obviously they couldnt bc he locked it but seemingly isnt working in it. He Promised to get back as supposedly he was working on it Friday night - but said hell get back on Saturday. Never did. Said if not Saturday then for sure Monday - never did. I left him a vm On Saturday saying that I had ppl coming to look at the house Monday because if I couldnt refi I would sell. And if you could please get back before I had to let people with possible Covid 19 in my house. I told the realtor to hold off bc I never heard from him and now shes saying that bc XXXX XXXX is coming that would affect me thanks to XXXX not getting back as promised. If he cant get this done bc it was supposed to be pretty much no docs involved then he needs to unlock it so someone who Is willing to help in a Timely manner without lying and ignoring can do so.
11/09/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • LA
  • 70605
Web
XXXX Hurricane Laura causes significant damage to my home and it is unlivable XXXX Hurricane Delta causes additional water damage to my home XX/XX/XXXX - Repairs completed on my home can not get XXXX to pay even when supplemental claims and estimates were provided in a timely manner multiple times. I had to pay mostly out of pocket for $ XXXX in damages XX/XX/XXXX - hired a public adjuster who worked my claim and XXXX denied payment, filed suit through an attorney in XX/XX/XXXX XXXX settlement agreement reached with XXXX during mediation XXXX Homepoint Financial receives my settlement check and has held it ever since. They will not release my payment even though they Refinanced the house in XX/XX/XXXX and transferred the loan in XX/XX/XXXX to a new servicer with a greater value assessment than the previous year. I have never missed a single payment. I need my settlement money released to my attorney so that I can pay my XXXX and recuperate the out-of-pocket money I spent to rebuild without the assistance of XXXX for over two years. XX/XX/XXXX Attorney spoke with a supervisor in loss department and they still have not released any of the funds.
10/27/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • UT
  • 84067
Web Servicemember
HomePoint Financial is my mortgage servicer. The loan number is XXXX. I am in the process of selling this house, and I have a buyer who is going to assume the mortgage loan. This is an FHA loan and HomePoint is not allowed under FHA and HUD regulations to impose restrictions on a loan assumption as long as the new buyer is creditworthy. HomePoint started the process of the loan assumption, and then today notified me that they intend to sell my mortgage to another loan servicer on XX/XX/XXXX, and that they will not complete the loan assumption. They are permitted to sell my loan, but selling it right now imposes restrictions on my loan assumption and is contrary to FHA regulations that they are obligated to uphold. They are essentially imposing a bureaucratic 36-day delay on the loan assumption process that is untenable. This delay will have serious and unavoidable consequences for me. My buyer will back out, preventing the sale or assumption of my current home, and the rate lock for my new home purchase will expire, making that home unaffordable due to the higher interest rate, and I will lose {$5000.00} in earnest money.
06/18/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95828
Web
Hello, I refinance my mortgage w Home Point Financial Corporation ( HPFC ) in XXXX. I have been paying my mortgage money where paymnt is electronically taken from my back account w XXXX XXXX XXXX XXXX. XXXX stated that I did not pay my XXXX 's mortgage. It was reported to the credit agencies and I've been notified that my credit score has dropped over 100 points. We are now nearing the end of XXXX and HPFC has yet to find where my payment went. Countless phone calls and emails w proof of drafted transactions from my online bank statements, and fax of proof from my bank to HPFC all proved useless. HPFC 's response is, " please give us 30 to 90 days ''. I can not wait 30 to 90 days for I am in the process of searching and buying a second home and has been affected greatly. Even after I sent them everything I have, including my bank faxing them, HPFC is still emailing me asking for me to provide my check # etc. I TOLD them ut was electronically drafted from my bank acct. My bank and I sent them proof. I question tbe competency of this company and find myself stressing unnecessarily due to the companies neglect. XXXX XXXX
04/09/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33712
Web
My name is XXXX XXXX. I currently have a FHA mortgage loan. I have been impacted by the national disaster of COVID-19 and have reached out to my mortgage servicer, Home Point Financial. After speaking with several representatives, including a supervisor, XXXX XXXX, it was explained that the only forbearance option I had at this time would be to defer my payments for 90 days and at the end of the forbearance, a balloon payment of all three payments in addition to the XXXX payment would be due. I explained to Mr XXXX XXXX, that according to the CARES act, his company is required to provide me with reasonable, good faith accommodations to assistance me during this national crisis. He repeated the aforementioned and stated, " until the investors tell them to offer additional options, this was all that was available at this time. '' Home Point Financial is not complying with the Federal law in providing its customers " good faith '' efforts in accordance to the law. Please help me. I do not know where else to turn and need help! You may contact me at ( XXXX ) XXXX. I look forward to hearing from you. Thank you, XXXX XXXX XXXX
07/09/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 01923
Web
My loan servicing company was recently switched to Home Point Financial and we're now in a significant dispute. Back in XXXX, I made my first payment and set up an auto-draft moving forward. However, the company, by its own acknowledgement, set up my auto-draft incorrectly. As a result, I missed multiple payments, and they reported my wife and I to the credit bureaus. The company 's stance is that I should have noticed the error when I received my monthly statements via email. However, the email is simply a link that states my statement is available. The statement itself isn't attached and there's no mention. the account is delinquent. I never received any phone call, email, or other correspondence that I missed a payment, until I received a certified letter last week. When I did, I immediately called the company, paid the outdated balance in full, and they remedied the auto-draft error. But they are still refusing to contact the credit bureaus to tell them they mistakenly reported my wife and I. As a result, our credit scores have dropped more than 100 points. Please help! Thanks, XXXX and XXXX XXXX XXXX XXXX
11/08/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92604
Web
I asked for HomePoint Financial, the company who services my mortgage for the investor XXXX XXXX, to request for a primary occupancy waiver requirement because I have moved to a full time telecommute position that requires a dedicated office space separate from the rest of my living areas. Because of this requirement, I was looking to move into a larger home as my current home does not have a space for this. The first request was sent at the end of XXXX and it is 5 months later with still no reply. At this point, the waiver isn't really needed because the occupancy requirement ends after 1 year on XX/XX/XXXX but I still would like to receive a response. I have been asked to provide additional info several times. There have been times where I provided the additional info and they say it hasn't been communicated to the investor after weeks of waiting. This process has been drawn out forever and noone follows up when asked. I just got asked again for the additional info I previously sent, I resent it, and now just received another canned, automated reply saying additional information is needed. Completely unacceptable.
10/02/2018 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 60630
Web
My mortgage was transferred to HomePoint Financial ( which identifies as a debt collection agency ) in XX/XX/2018. I called them and was told that they would reconcile my last payment with my previous lender, and there would be no issues for 90 days. In XX/XX/XXXX, I began receiving daily calls identifying a missed payment. I have provided evidence of all my timely payments to them, via email, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX after lengthy calls with their representatives. I have evidence that a monthly payment that was received and deposited, and have provided evidence of checks that have cleared. I have also provided a spreadsheet of my payments. Their response to my evidence is to provide a listing of payments that match neither the actual amount paid nor the timing of the payment. Please see the attachments below for detailed evidence. HomePoint Financial has been terrible to work with. You can never speak with the same representative, no one can tell you if your issue is resolved, and it is now three months of frustration. They are asking for late fees when none are due. I am worried about my credit.
08/09/2019 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
  • CA
  • 92562
Web Servicemember
I am a veteran and currently have a VA loan with Homepoint Financial. On or about XX/XX/2019, I attempted to make a mortgage payment in the amount of {$2600.00}, using their website. My payment came back as returned. I was immediately notified on XX/XX/2019. As a result, I made another payment in the same amount on XX/XX/2019, in efforts to avoid any " 30 Day '' lates on my credit report. My payment was successful and posted on XX/XX/2019. I sent several emails to Homepoint Financial explaining the problem but they have ignored me thus far. Additionally, all three credit reporting agencies are now reporting that I was " 30 Days '' late for the month of XX/XX/2019, when my payment for XX/XX/XXXX has a 14 day grace period ( it has only been 9 days ), before considered two weeks late. I have called several times and spoke to atleast two reps asking them to remove the negative remarks from my credit report. Thus far they have ignored my request. Notice from all of my attachments I made my mortgage payment on XX/XX/2019. Also look at page 3 of 4 POPA Bank statement in the amount of {$2600.00}, my payment cleared.
10/02/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IN
  • 46158
Web
This is my 5th complaint without any resolution. My mortgage was brought current via Indiana XXXX XXXX Funds in XXXX, payment of {$26000.00}. Since then Homepoint Financial has added past due amounts that has went from {$6000.00} to now currently {$42000.00} in a matter of a few months, How's that happen? My housing councelor has made every attempt to contact Homepoint with no success. I've been advised that foreclosure has been filled yet again. I've requested and received a complete payment history and we have noticed 7 payments from 2016 of {$1000.00} each not listed on the payment history. We made these payments via certified bank check and have requested copies of the cleared checks from our bank. If these payments were not credited to me Homepoint has no grounds for foreclosure. Between the XXXX XXXX Funds payment of {$26000.00} and the {$7000.00} in payments we made that's not showing, there's no way we can be past due. Escrow is showing a negative balance of XXXX which is 100 % false because the hardest hit funds brought the escrow current. How can my escrow go {$12000.00} in the negative in just 3 months?
05/24/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • MA
  • 02021
Web
I received a Verification of Mortgage today, XX/XX/XXXX which indicates " Number of Times past due -1 '' which is not correct ( See document attached ). I was approved for a Forbearance Plan for two months of XXXX and XX/XX/XXXX, and then I was approved for an extension for another one month for XX/XX/XXXX XXXX See document from XX/XX/XXXX, and a letter from XX/XX/XXXX attached ). However, these three months, or 90 days, in the Verification of Mortgage stated as " past due ''. Home Point Financial failed to comply with the Forbearance Plan Terms : " As a result of not making any payments on your mortgage during the term of the Forbearance Plan, we will suspend reporting any delinquency ''. This is my second complaint to CFPB about Home Point Financial issues. The first complain resulted in the correction of my statements and my outstanding principal balance. In their response to CFPB Case on XX/XX/XXXX Home Point Financial states all the steps of my mortgage history with them, including approval for the Forbearance Plan for two months and an extension for one more month. ( See document attached ).
06/05/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 610XX
Web
On XX/XX/XXXX I was notified by XXXX, my credit monitoring company, that my score had dropped over 100 points due to a delinquent payment. Upon looking into my history, the delinquent payment listed was my mortgage for Home Point Financial. It stated that the XX/XX/XXXX payment was over 30 days overdue and had been reported to XXXX. I have been trying to contact Home Point Financial since Saturday, XX/XX/XXXX, but they have taken down their customer service lines. I have messaged them on XXXX and not received an answer. I have also emailed them and received no answer. They have indicated that there is a problem with reporting and many people were affected. Some people, however, were contacted by email or phone. We received no such contact and can still not reach Home Point Financial. This is an egregious breach of trust in a mortgage company sending out damning reports on borrowers financial standing. If we were to not pay our mortgage, we would have to respond to debt collectors and eventually end up in court. Why are these companies not paying any penalty at all for their horrible mistakes?
01/12/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 12180
Web Servicemember
Homepoint financial has not responded to my phone calls or messages for the last year over an issue with loan for a home in XXXX, CA. They operated with two different portals and at first said they did not have any of my information as the co borrower, for their failure to inform me of any issues regarding of late payments or the home entering foreclosure. We tried to remedy the issues with an explanation of why we were not informed including credit disputes but they were insisted on proceeding with foreclosing and not interested in providing on little to no information as to co borrower rights. I finally discovered Home Point had no information for the co borrower in regard for communication and had to provide them with everything all over again. Still they would not allow me to pay over their online pay system and had to make payments over XXXX XXXX. No communication was sent or afforded with proper time to prevent fees, hardship, negative credit reporting, and preventing future dealings after the account has been paid in full and dealing with all these issues from Homepoint financial.
04/23/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94952
Web
I refinanced XXXX of XXXX. The final closing documents stipulates flood policies be placed in escrow. I own 2 houses on an average in a special hazard flood zone. Homeowners and landlord policy as well as property taxes were stipulated as non escrowed. HOMEPOINT took it upon itself to pay my property taxes. I called and referenced final closing docs. XXXX XXXX returned money to bank. This was a 2 month process. I made clear to HOMEPOINT only flood insurance was escrowed and once again, referenced closing docs. HOMEPOINT then proceeded to pay my homeowners policy and now my account is in suspence. This has gone on for 6 months. HOMEPOINT is reporting to my credit agencies. My score went from XXXX to XXXX. I continue to pay my insurances by auto pay via my bank. HOMEPOINT is demanding I repay the money they paid in error. I am paying every month principle, interest and flood payments. I refuse to pay more as I continue to pay my homeowners and landlord payments on auto pay. I really think HOMEPOINT understands the grievous error it has committed. Please help. I am at my wits end. XXXX XXXX
03/02/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • RI
  • 028XX
Web
I refinanced my mortgage thru a mortgage broker who sold my loan to Home Point Financial. It is clearly stated in my mortgage contract that the mortgage company was to pay my property taxes and insurance thru my escrow account. The first quarterly tax payment was due XX/XX/2020. Home Point Financial neglected to make that payment even though they collected the money from me and placed it in my Escrow account. They incurred a penalty charge from the town of {$270.00} that I had to pay to keep my account in good standing. In the last correspondence from Home Point Financial regarding this issue, they stated : " Our records indicate the escrow account only includes property insurance. '' " The property taxes are non-escrowed and are the homeowners responsibility. '' Both of these statements are incorrect. I have a copy of the mortgage contract, statements, penalty charge and proof of payment of the penalty charge. Home Point Financial has since approved closing my escrow account so that I may make all tax and insurance payments myself going forward as I do not trust them to do this for me.
01/09/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60657
Web
I have been trying for over a month to get a correct escrow analysis done on my account. They were using an incorrect property tax ID on my account which was making it look like my property taxes were double what they actually are. The mortgage servicer corrected the ID and made the correct tax payment. However, they are not correctly updating my monthly payment via an escrow analysis to reflect my correct property tax amount. In other words, they keep assuming in the analysis that I'm making the incorrect higher payment. Because of this, my monthly payment has almost doubled and I am forced to pay extra amounts into my escrow analysis for no reason. They have, as of XX/XX/2023, incorrectly performed three escrow analyses using wrong property tax amounts. For the fourth one, they had to ask me to give them the property tax bills to prove how much my taxes usually are. This is public information and as my loan servicer it is ridiculous that they can not even figure out what my property tax amounts are supposed to be. At this point, I can not trust anything this mortgage servicer does.
10/16/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IA
  • 51106
Web
I have called at least 3 different time over this matter. XX/XX/XXXX XX/XX/XXXX and today XX/XX/XXXX, in regards of a land of amendment to take off flood insurance on my property. They kept telling me that they would get back to me with a response within 24-48 hrs each time I called and failed to do so, I continued to call and today they had said the reason why they would not be able to approve and pass the land of amendment that shows I'm not required to carry flood insurance was because my property is still showing in map zone with FEMA and that I would need to contact them with the matter so that it does not show on the map although they have the documentation needed stating it was not required and they were done helping me. I got ahold of FEMA and they said that it does not matter what the map shows. What " trumps '' that was the map of ammendment, that is the deciding factor of all. Once you have that, there should be no reason they will not take the flood insurance off. I'm using all my resources and trying to get this resolved the best of my ability and I'm currently stuck.
07/21/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • IN
  • 46158
Web
I had a previous past due amount that was included in a chapter XXXX mortgage. For approximately a year I tried to bring my mortgage current via XXXX XXXX XXXX XXXX. Homepoint Financial kept refusing those payment attempts and then added excessive fees outside of the federal bankruptcy claim amount. We resolved that debt on XX/XX/2020 and current on my mortgage to date. It took 2 federal court orders, and a previous complaint with the CFPB to force Homepoint Financial to accept the payment from the XXXX XXXX XXXX XXXX. Now today XX/XX/2020 I get a phone call from Homepoint Financial demanding a payment of {$5200.00} and when I try to explain that im current, the representative gets aggressive and tells me I owe that amount that the XXXX XXXX XXXX XXXX didn't cover the total amount due. My attorney and the State of Indiana has legal documents that prooves otherwise. We will now be seeking additional legal counsel to file a lawsuit against Homepoint Financial for violating federal court orders, and legal binding documentation regarding the payment from the XXXX XXXX XXXX XXXX.
03/12/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 92223
Web
Unlawful Foreclosure. I have submitted a full and complete loan modification application to Home Point Financial regarding my mortgage loan currently in active foreclosure. Pursuant to California'ss Homeowner Bill of Rights you are prohibited from conducting a trustees sale ( foreclosure ) on the above referenced property until you have provided an answer to the our loan modification application. Active foreclosure sale date scheduled for XX/XX/2019 must be cancelled immediately. We hereby demand that the foreclosure sale he CANCELLED and that you immediately comply with the provisions of the Homeowner Bill of Rights. Failure to immediately confirm that you will comply as demanded may force us to seek legal help and file a complaint and move for an emergency temporary restraining order. As you know, the Homeowner Bill of Rights allows for attorney 's fees to be awarded upon the successful granting of a temporary restraining order without having to prove any other points within our case. We intend to seek that TRO along with the resulting attorney 's fees should one be retained.
04/18/2016 Yes
  • Mortgage
  • FHA mortgage
  • Settlement process and costs
  • MI
  • 498XX
Web
I had a stream line fha loan refinance and the loan i signed and what actually happened are different in regards to the payoff of my loan to wells fargo. I was also told by this new loan co. not to pay my XX/XX/XXXX payment. and any late fees interest and p.m.i. would be taken care of by them. I was also told that my escrow would be rolled into my new loan. I went from a XXXX adjustable rate with wells fargo. to a XXXX fixed rate. My payment was suppose to be XXXX a month but they screwed up my escrow and missed a payment on my taxes in XX/XX/XXXX costing me more money on my tax return as I could not deduct the taxes that were not payed in 2015. I sent several messages to Home Point Financial requesting a loan expert contact me in regards to this loan. They kept spinning me and told me to contact transtar tittle co. I tried that and no one returned my calls. They again told me to contact the loan originator. I received a call from his secretary and she said he would contact me back. This was XX/XX/XXXX and still no call. I need help in going over the issues i found in this loan.
02/21/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • XXXXX
Web
The entire refinance process was a nightmare. After selecting XXXX Bank because the company is local, found out AFTER closing through an email that I would be serviced by Homepoint, located in XXXX. Never heard of the company throughout the refinance process. Homepoint email directed me to : " Register or login now at XXXX to view your loan information, schedule mortgage payments, access escrow details, view statements, and more. '' I do not want to expose personal data with a company I never heard of. Just want a monthly statement and payment form sent to me so I can pay by mail. I'm considering selling my house to get away from this unknown mortgage company. I know is legal to sell mortgages, but XXXX should have disclosed that they intended to sell it and to whom. Early in the process I had spoken to XXXX XXXX Residential Loan XXXX and XXXX XXXX XXXX XXXX of Residential Lending, XXXX, both with XXXX Bank. Clearly stated to both of them that I was considering XXXX because it was local. They did not inform me and neither did XXXX XXXX, XXXX Attorney who handled the closing.
06/26/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33487
Web
Hi, My mortgage has been transferred to a new company last month. As indicated on the document, i scheduled my new payment to the new company via XXXX in the amount of {$2000.00} on XX/XX/XXXX. On XX/XX/XXXX i made an extra {$50.00} payment towards the principal which was applied.However, the {$2000.00} was never applied on my account, ten days later, i get an updated statement saying i missed a payment. I contacted them, provided them with a confirmation number from the bank that the payment was cashed by them. XXXX XXXX XXXX also called them. They said they needed to find my payment as they could not locate it. Now i receive collection letter EVEN IF I HAVE PAID. today, the company is saying the return the payment to XXXX XXXX XXXX and can not provide me with a confirmation or tracking information. XXXX XXXX XXXX has not receive the money as of XX/XX/XXXX that the company sent on XX/XX/XXXX. I have to make another payment to this company that i have no trust in. Please help me apply my money to my account!!!! The company is home point financial center. the incident is XXXX
10/29/2019 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • NJ
  • 08080
Web Older American, Servicemember
My escrow account is {$230.00} over the required amount due to New Jersey XXXX XXXX for senior citizens. On Wednesday XX/XX/XXXX I contacted a rep from Home Point Financial service but could not resolve this with her and asked to speak to a supervisor. I was transferred to supervisor XXXX XXXX and explained the escrow statement sent to me in XXXX was incorrect. They anticipated my quarterly property tax payment to be {$1300.00} but was actually {$1000.00} due to rebate. He said he understood and would request an expedited escrow analysis and I should call him back Friday XX/XX/XXXX at ext XXXX. I called twice Friday once speaking to rep and second call left a voice mail on his phone. I called again Monday and rep assured me she would email XXXX that I called requesting a call back. Today XX/XX/XXXX I talked to an XXXX and after explaining again the problem was transferred to XXXX 's voice mail and requested an update and again no follow up. I am attaching their escrow sheet which shows required balance and incorrect anticipated balance. Actual balance is {$1200.00}.
01/31/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 12180
Web Servicemember
Homepoint financial has failed to inform me the co-borrower of any issues with the property in XXXX, CA. They state that notices were sent in XXXX of 2019 and the account would be in foreclosure in XXXX. They also sent me the 1 year occupancy statement to remind me that I had to remain in the property for at least 1 year. It has been difficult to communicate with Homepoint financial with over 1 hour wait times to speak with anyone and very difficult to pay off the note when they did not allow me to through their system and forced me to use other methods with other fees. Homepoint financial addressed both primary borrower and co-borrower in one letter, so when I moved after 1 year I did not receive any correspondence after changing my address with USPS and confirmed it when I called them as they had no contact information for me when they switch systems. They still do not respond through any other mediums other than snail mail. They try to claim I was informed of the issues going on with the note but I was not as you can not mail out one letter to two people!
09/10/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • NC
  • 27610
Web
Home Point Financial Corporation is {$300.00} over the amount my mortgage should be. They estimated the taxes at over {$4000.00} a year instead of just over a XXXX dollar. The mortgage was issued in XXXX of XXXX. I've been trying to fix this issue since then. It is XX/XX/XXXX now. I have called them multiple times, even waited a whole year because they said they were collecting the extra money because they were anticipated for the taxes to go up. This was a lie, and they still refuse to fix this issue. Home Point Financial is collecting money from me that I am not sure what they are using for, are they making interest on this money, are they lending it to others. Either way, they are getting free money to do whatever they want with it. If they are taking my money and not paying interest on it, I am sure they are doing the same to others as well. I XXXX ' think this company should be allowed to treat their customer as they treated me. This is the last resort. I hope others can learn from this so they make other choices when selecting a mortgage company.
11/03/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WI
  • 53220
Web
I got a loan from XXXXXXXX XXXX in XX/XX/XXXX, after 1 month they sold it to Stone Gate, my mortgage payment was {$990.00} ( principle interest escrow ). After a year they sold it to Home Point XXXX I was paying this amount till XXXX when i sing up to pay the taxes in my own. Since XXXX I`m paying {$600.00} ( principle and interest ). In XXXX of XXXX Home point split in 2 diffrent company and since XXXX of XXXX all my payment of {$600.00} wasn't recorded as mortgage payment and they are saying that i didn't made monthly payment and they are charging late fees and extra interest. I never missed a single payment. I been calling in last 2 months but not able to fix the problem, any time i called they give me diffrent answer. English is my 2nd language and i strongly belive they are using that to there advantage. I have pulled all the records from city for property taxes and all records from bank that i made the payment but nothing satisfied them. I`m hope lease and I`m afraid that they will take my house way and i`ll be home lease. Thank you, XXXX XXXX
04/15/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33010
Web
I purchased my property in XX/XX/XXXX. The bank that was financing the property was Home Point Financial. In XX/XX/XXXX, I decided to refinance the property and made the closing on XX/XX/XXXX. For some miscommunication between the XXXX XXXX and Home Point Financial, the wire transfer with the pay off amount was not submitted on time, they said because it was sent with a different amount. It was not my fault, I called and spoke to them several times. The supervisors even assured me that they were going to remove that from my credit report because they had already reported me. I trusted in them, now when I check my report, it is still there. There is serious delinquency in my credit report. I opened a dispute with XXXX Credit Bureau yesterday, they contacted me today with the result. They communicated with Home Point Financial and they said that the information is accurate. It will remain in my credit report. It has affected me financially, that's insane! It was not my fault the miscommunication between them and the XXXX XXXX " XXXX XXXX XXXX XXXX ''.
08/16/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • WI
  • 530XX
Web
I had the mortgage set up for auto debit. In the beginning of XX/XX/2018, the mortgage company took two payments out of my account. I called them and brought this to their attention. On XX/XX/2018 the mortgage company sent me a statement indicating that my next payment was not due until XX/XX/2018. Despite this, at the beginning of XX/XX/2018, the company attempted to take out another payment from my account. I immediately called them to protest the payment. The company indicated that it would not reverse the XXXX payment ( per XXXX ). In discussing the issue with them, the company claimed that I initiated the payments which was untrue. In order to avoid yet another payment being withdrawn from my account, I put a stop pay on the account and stopped the auto debit. The stop pay cost me {$35.00} to defend my account from a debit which should not have taken place. On XX/XX/2018 the company sent me a letter asking me to replace the stopped payment in certified funds. It also threatened to report the stopped payment to the credit reporting agencies.
02/05/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AR
  • 727XX
Web
We built a home in XXXX on 10 acres. Our loan was sold to Home Point Financial Corporation out of XXXX XXXX, TX. In XXXX we notified them we wanted to build another home on our property and needed them to release a 4.5 acre parcel. They gave us the detail process, costs, and timelines. We completed everything they asked, paid $ 10s of thousands of dollars to release the property. We provided details and appraisals that the $ 200k loan we still owed on the XXXX home with 5.5 acres would have a substantial amount of equity that would not put them upside down on the Loan to Value. In fact, there is over $ 120k in equity on the XXXX home. Now theyre not responding and weve purchased over $ 100k of windows, lumber packages, etc for the next home because we completed everything they asked. They will not return phone calls or emails. They are holding OUR land hostage for no reason. They will also not cooperate with other financial institutions to let us refinance the $ 200k loan with another firm so we do not have to do business with them. Please help.
06/03/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 43160
Web
This company is horrible to deal with if you have any issues logging in, making a payment, claiming fault for any website malfunctions, checking banking information for accuracy to avoid rejection of payments after the due date which results in late fees that they will not excuse because of a fault of their own. THEN ... on XXXX we called Home Point Financial to explore the possibly of skipping a payment and adding it to the end of the long due to a nature disaster where our home is inhabitable and in the middle of an insurance claim. We have had SEVERAL unexpected expenses due to this situation and Home Point mentioned they don't offer the service to skip a payment and if we would become more than a month late they report it to a debt collection agency. I understand that this might not be a service that they would want to offer, but I am very frustrated that it is not an opportunity for some circumstances. Horrible customer service and I am looking forward to the day of getting to refinance with a more understanding and WELL ROUNDED company.
07/08/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33161
Web
In the month of XXXX I saw early on that XXXX XXXX had withdrawn two payments for my account instead of one, which caused my mortgage payment to go NSF. I called my mortgage service provider around the XX/XX/XXXX-XX/XX/XXXX to notify them of the issue. they said it wasn't a big deal and to just submit the payment online again and it would be fine. I submitted again and the funds had not been cleared yet by my bank which resulted in ANOTHER NSF payment to the mortgage company. Post that payment I made two others that cleared my account but were returned a few days later. When I called they said my account had been placed as certified funds meaning the will only accept XXXX XXXX, cashiers check or Money orders. My bank if mostly an online bank and I am unable to go them and get a cashiers check. XXXX XXXX has upper limits on transactions and I would be forced to send them two transactions with fees of {$50.00} each. And given that the amount of each would not satisfy the amount owed they would more than likely return those as well.
07/01/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 20164
Web
I refinanced the mortgage with XXXX XXXX. They initially placed my mortgage loan to the servicer calledXXXX XXXX XXXXXXXX XXXX. My mortgage was then later bought by XXXX XXXX and my loan servicer became Home Point Financial. There was one mortgage payment I made on XX/XX/XXXX to XXXX XXXX XXXX. My mortgage was then fully transferred to the Home Point Financial on XX/XX/XXXX. I could not see the payment I made with XXXX XXXXXXXX XXXX reflected with the Home Point financial. I contacted XXXX XXXXXXXX XXXX via phone call yesterday, XX/XX/XXXX. They Said my loan information was sent to the Home Point financial. I contacted the Home Point via phone call. The representative told me to send an email to their inbox with the payment history. I sent them the attachment as requested. I got the response today telling me to contact the previous servicer. I feel like there is nothing I can do when I contact both loan servicers. This is very stressful for me to locate the payment while both loan servicers are pushing me to other side.
07/14/2021 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
  • IL
  • 60101
Web
I was on XXXX leave from XX/XX/XXXX to XX/XX/XXXX and I was not receiving my full pay during that time. What I did not realize was that due to me now getting paid my regular full paycheck and those full paychecks stopping in XXXX the correct amount was not transferred into the account that had automatic debits scheduled monthly to pay the mortgage. Since my payments were always automatic and my account had overdraft protection, I was not aware that my mortgage payment was missed until my credit score was affected. I was never late on any payments prior and have already brought my mortgage payments into being current so I have asked my lender Homepoint Financial to do a one time curtesy late payment removal. I have explained that I am a XXXX mother and during Covid it has been hard to be financially stable and I have still managed to be current on my payments until that one time. They have denied this request. My credit score is very important to me so this one time late removal is very critical to me and my financial future.
11/02/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • MI
  • 49707
Web
please attachthis to the previous complaint i files day 6 of total chaos with my loan closing my loan was never closed propery last yur by same compoany and now having problems im subbitting all documentation and all files as now i have attourny working on it to they cant cloe on my home home poibnt financial which im working with now is same company did it last yr and never closed my loan properly still have a lien down at the county court hosue which i went down homepoint not even on there having a loan the tital compnay they used never did there job no im spending day and night my own time trying to fix this minumal XXXX from my lender they should be getting documents and calling everything was done on my end right and to the T this is frustraing i attached emails prob ten there over 50 over all this callled titalle company that had last yr there saying its lender respenc homepoint court saying home point respnsiblity attourney saying homepoint respponsibliky It is thye close my loan they were suppose to take care of this
05/16/2020 No
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 34953
Web Older American, Servicemember
Home paid off in XXXX of 2020 with a company called Home Point Financial. Refinanced with another company due to Home Point Financial raising mortgage payment ( increase off XXXX/month. They had said the taxes were higher than anticipated and if the taxes were paid by me, the payment would not increase. I paid the taxes but they still kept the mortgage XXXX/month higher than what it was, so I refinanced with another company ). Home Point Financial will not return owed escrow payment. ( {$2600.00} ) Inquired in XXXX of when payment would be returned. Home Point Financial states that they sent a check in XXXX. *never received* ( never had any issue getting their statements here, or any other mail ). Asked Home Point Financial to put a stop on old check and send a new check. They agreed and said new check will arrive in 2-3 business days. 5 business days pass, no check, call Home Point Financial again. They state check was not sent but will now be sent to me by the XXXX of XXXX. XX/XX/XXXX, continue without check.
04/10/2019 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • VA
  • 22193
Web Servicemember
Please reference prior complaint regarding the unprofessional service from Home Point Financial. Although the recent complaint has been closed out ( XXXX ), I am still unable to get a response to either my written and/or voicemail requests for status on a progress payment due to my contractor for which Home Point Financial has had the funds to pay for many weeks. Although there was an inspection by both the county and their subcontractor on XX/XX/XXXX ( both inspectors passed the pre-drywall closure work stage ), Home Point continues to be unresponsive to both myself and my contractor, whom I have granted authority to communicate with them directly. At this stage, all work to be performed by the contractor was completed as of XX/XX/XXXX with the exception of the glass enclosure, which is to be completed by a glass company acting as a subcontractor of my contractor. I am stuck and have had to negotiate with the contractor to continue work as they wanted to stop as a result of not receiving the progress payment.
07/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 331XX
Web
My name is XXXX XXXX. I have a Loan # XXXX at Home Point Financial - They did a mistake on my account that resulted my account to be late and on default by their mistake. This caused them to report late payments to the credit bureau which caused me to loose a mortgage loan I was closing to purchase a new property. With this said I have now $ XXXX on stake in an Escrow Account. I have been trying to resolve this issue with HOME Point Financial and they were unable to give me proper responses. I have sent over 17 emails, and talked to several customer services representatives and managers. Their legal department based on their actions is a total FRAUD. They were unable to resolve this problem in timely manner and because of their mistake I am at risk of loss money or expend hundreds of thousands of dollars as I need to take a private loan instead of a conventional loan that was denied because they WRONGFUL ACTIONS. I have spent over a week on the phone with them and they were unable to act towards this mistake.
07/07/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 027XX
Web
My mortgage was transferred from Home Point Financial Corporation to XXXX XXXX XXXX with a first payment due XXXX XX/XX/2022. The letter informing me of the change in lender was dated XXXX XX/XX/2022. I did not receive the letter until XXXX XX/XX/2022 because I was away from home. The letter lacked detail and simply stated I should send my payment to a XXXX XXXX XXXX To be honest it looked like a scam. When I contacted XXXX XXXX, they stated that the loan had not been transferred until XXXX XX/XX/2022. XXXX days after the payment was due. Due to this delay, XXXX XXXX had not sent a welcome letter to me regarding how to place payment. The web page for XXXX XXXX states that my payment is late despite my inability to post payment. They did tell me that this should have no effect on my credit rating. I have XXXX complaints : XXXX ) A lack of communication from XXXX XXXX, giving me less than 30 days notice that my loan was transferred. XXXX ) A lack of timeliness in transferring my account to the new lender.
07/08/2018 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
  • OH
  • 447XX
Web
My mortgage from Stonegate Mortgage was sold to Home Point Financial, Home Point had erroneously sent negative reports to credit bureaus on many consumer accounts. I spoke with Home Point several times who only said they were aware and working on it. I also disputed the negative reporting with credit bureaus. XXXX deleted the entire account so now I show no past positive payment with any real estate and my score decreased dramatically, XXXX now shows account as closed and no real estate balance. Home Point has not been reporting my current timely payment either. Home Points error has decreased my credit score significantly and impacted my reputation, credit worthiness and financial abilities. My reports should reflect my past timely payments ( before Home Point ) and years as well as my current timely obligations. Home Point Financial is in violation of the FCRA by not reporting fair and accurate information for their entire consumer base as well as improper deletion entirely of an account they acquired..
10/02/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 02149
Web
My mortgage company is Home Point Financial. They recently went through some restructuring and as a result of that they made changes to my account. In particular, they demand me to pay into escrow account. I didn't have escrow account with them and was very surprised at their sudden demands. Apparently, although I didn't have escrow account, they send money to my insurance company periodically without informing me and without my authorization. They split the money they paid to insurance into 12 parts and added them to my monthly mortgage payments. I complained to the company on XX/XX/2022. They were investigating my complaint for 3 months. Finally, I received response from them on XX/XX/2022 ( attached ). In the meantime, I assumed that while the issue is being investigated, I can pay my regular monthly mortgage payments. However, the Home Point did not accept my payment ( attached ) and reported me to credit reporting agency as delinquent account after 30 days. They refused to update my credit account.
06/05/2020 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 223XX
Web
The company involved is Home Point Financial, which purchased my mortgage about two years ago. By law and as listed on the loan I have from the XXXX to the XXXX to pay my mortgage without any problem or issues. In or around XX/XX/XXXX and XX/XX/XXXX due to illness and operations I end up paying my mortgage a couple of days after 15. For which I was assessed late payment penalties and paid them. Since XXXX and until this morning ( XX/XX/XXXX ) they have taken upon calling me to ask for the debt payment. Even that I am not late. The caller today identified himself as a " Debt Collector. '' I have told them repetitively in all prior months ( XXXX, XXXX and XXXX ) that this is becoming a harassing situation. Today and after this call this morning is definitely a harassing situation and the reason that I now choose to report them. They promised me each time they will stop and they continue. I believe to be an unfair practice by this lender and I am in the process of selecting another lender for refinancing.
09/17/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30549
Web Servicemember
Good Afternoon - Our mortgage was purchased by XXXX XXXX XXXX a few months ago and they have been horrible. My last situation, is as follows. I had sent in XXXX to go to additional principle. It was stated on the check to go to additional principle and it was also sent in with their payment stub stating that the money was for additional principle. I received a statement on XXXX and called immediately. They had put {$2800.00} toward principle and then 2 mortgage payments. This was not as instructed on the stub or the check. I called on XXXX they were to reverse and do it correctly. I called on XXXX and was told it was to be corrected on that Thursday. I just logged into our account on XXXX and it is still not fixed. I called XXXX XXXX, they stated that my request was denied b/c the check was written in the previous month. This was not at all my fault, in my opinion this company is purposely avoiding the correction for their financial gain. This also happened on the previous principle check I had written.
11/28/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 34986
Web
Home Point Financial continues to show me as paying my mortgage late. I have tried ad nauseum to rectify this problem and as of now, it still has not. I have made all my mortgage payments on time. Not only have I have made all my mortgage payments on a timely manner, but I have overpaid my mortgage. They took one of my monthly payment and put it towards principal. Thus causing my statement to show as though I am late with my mortgage payments. I did not request that my payment be put toward principal. When I disputed this problem, Home Point sent me an email stating the problem was resolved. To date, this problem persists. Not only is this mistake on their part is causing me to seem as though I am late with my payments but you are adding fees to my account for late payment of my mortgage. I dont know if this is a means on Home Points part to gain my house by fraudulent means, but I need this problem resolved. This problem continues to cause me great XXXX and XXXX of the thought of losing my house.
11/11/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 07002
Web
On XX/XX/2021, I made a payment ahead of time to the mortgage company Home Point Financial in the amount of {$1700.00} to satisfy the payment due for XX/XX/2021. This action makes my next mortgage payment 's due date as XX/XX/2021. In a letter dated XX/XX/2021 from Home Point Financial, I was advised that my new loan servicing company will be XXXX , XXXX ( XXXX ) effective XX/XX/2021. XXXX , XXXX ( XXXX ) does not have the payment I made to Home Point Financial and still has my next payment due date as XX/XX/2021, not XX/XX/2021, and does not have my payment from XX/XX/2021 reflected in its account dashboard. I also spoke to a XXXX , XXXX ( XXXX ) customer service representative on XX/XX/2021, who confirmed that they did not receive monies of my XX/XX/2021 payment from Home Point Financial. This has not been a smooth transfer of my mortgage, and I am worried that my payment is unaccounted for and that it may appear that I did not make a timely mortgage payment, which can adversely affect my credit.
03/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NV
  • 891XX
Web
as far as there reply, document 1, loan was sold and had XXXX XXXX as payee, partial payments were sent to them with no problem, I started to pay them in XX/XX/XXXX. Home point is not any where listed on that document, and Home point financial is not on of that document ( doc 2 ) closing documents has XXXX XXXX on it not home point finical, doc 3 after their under lined sentence, it states lender may accept any payment or partial payment insuffient to bring the loan current, without waiver without any rights hereunder or predjustice to its right to refuse payments or such partial payments in the future, lender may hold unapplied funds until borrow makes payments to bring the loan current, so you can see all paper work is with XXXX XXXX on it not home point financial, you can see on the attached bank statement starting in XXXX when we refinanced, bi monthly payments were done XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX payments to XXXX XXXX, again no where does it say home point financial
05/02/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 43065
Web
I purchased my home in XX/XX/2015 with a conventional loan and 10 % down payment. The home values in my area have risen so I contacted Home Point Financial to determine the process for removal of PMI through an appraisal. I have been given three different answers. Upon speaking with the first customer service rep I was told I would need XXXX XXXX ratio for borrower requested PMI removal. The next customer service rep told me that I would need XXXX XXXX because I was requesting PMI removal within 5 years. I submitted a formal request for clarification and was given a written response that said that I needed XXXX XXXX to have my PMI removed. This is the first that I have heard of this and does not appear to be conventional/ conforming loan terms. I am writing in hopes of getting written clarification on proper LTV. Additionally, I would like a list of approved appraisers in my area to write a check to them directly rather than writing a check to Home Point Financial to have them select an appraiser.
11/29/2022 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AZ
  • 863XX
Web
I truly believe this event does not reflect my credit worthiness. I have always paid my payments on time. Nor do I believe this event reflects your companys values. XX/XX/2022 I received a change of service notification.it was 2 months late in me receiving the letter. Homepoint did not show my payment for XXXX till XXXX therefore showing a late payment.this was due on their end.they changed loan numbers. The letter with this information did not come to me till XXXX. The letter was mangled and has been delivered to a wrong address. I have tired to have this one negative removed. I have always paid each month. The Homepoint representative XXXX had her mind made up. She just going on and on about the post officeAlso she kept saying she was just following what the credit bureaus require.well, they are not requiring anything from Homepoint but information that Homepoint supplies to them.. XXXX I feel was not neutral in her quest, that her tone represented that You already have copies of the letter..
01/06/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • XXXXX
Web Older American
I had applied refinace my two rental properties In California State no cost loans with Home Point Finical on XXXX XXXX.I sumitted all documents they asked for it but Loan Officer XXXX XXXX keep asking same documents over and over till today date, Mean while I has applied third prperty no cost refinance with XXXX XXXX XXXX XXXX. same time in XX/XX/2021 within 30days they are ready to close but XXXX XXXX XXXX want do my all three properties better than XXXX co.I gave to them but XXXX keep delaying for same documents over again they keep extend my closing, Afterwords rate is going XXXX asking to pay higher cost to get orginal rate, I told them you keep delaying closing and it's no cost loans, I do not want refinance loan with you, Mean while they order three appraisals for closing they said no cost loan we are going to credit to you on my XXXX XXXX credit card, I sent letter to XXXX and Home point Finical for refund on my credit card payment. But till today date they not reply back to me. Thanks
02/02/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • SC
  • 29455
Web Older American
I refinanced my home in 2022. The mortgage was sold to Homepoint Financial after 1 or 2 months. I have repeatedly called them and emailed them information about the three types of insurance on my property : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX Flood- with XXXX XXXX XXXX ( XXXX ) XXXX XXXX Wind and Hail - with XXXX XXXX ( XXXX ) XXXX XXXX Homeowners - also with XXXX XXXX In late XXXX a long phone call with Homepoint included phone calls to these two insurance agencies, and I believed that all was resolved. This morning ( XX/XX/XXXX ) I received a " final notice '' from Homepoint for not having insurance... Homepoint paid the flood insurance ( late ) on XX/XX/XXXX Homepoint has sent a check for wind and hail to XXXX, but still not paid the Homeowners Policy : The Wind and Hail can not be ordered by XXXX as Homeowners must be in place. I tried calling Homepoint this morning. they repeatedly disconnected Hoempoint is both incompetent - putting my property at risk, and unpleasant
06/13/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94550
Web
My escrow account has been set up incorrectly and the bank is not doing anything to solve the problem. My monthly payment is {$2200.00} and it breaks out into Principal and Interest {$1300.00}, Escrow : {$870.00}. Escrow account should include taxes, insurance premiums and PMI. Taxes : {$4000.00} annually ( Parcel - XXXX XXXX County - CA ) Insurance Premium : {$390.00} annually and Private Mortgage Ins. {$210.00} monthly. If this is what my escrow account should include, plus any sort of " cushion '' I do n't know why it has been set up to {$870.00}. It should roughly be {$590.00} My escrow balance up to date is {$3300.00} which is far more than what it should actually be. I have requested my bank in several occasions to please update my escrow account by having an escrow account analysis done and they refuse. They say it will be done until XX/XX/XXXX and recently a representative emailed me saying it would be until XX/XX/XXXX. This is a huge difference and it is been a burden on my family.
07/08/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • OH
  • 448XX
Web
we had a tornado damage our house and after fighting with the insurance company they finally released the checks to the mortgage company listed, i have been fighting with them since XX/XX/XXXX about releasing the checks in a timely fashion to avoid further water damage to the property, we do have tarps but they only do so much and with the amount of rain we have been receiving we are afraid that we are incurring further damages, i have explained this to the mortgage company i called them on the XXXX of XXXX they said they were pulling the checks and they would be sent overnight ( i paid for that ) on Friday XX/XX/XXXX, we didn't receive them today in the mail so i called and they were never shipped and had to actually create yet another shipping label for them to be sent overnight again to be delivered tomorrow XX/XX/XXXX. there are several reviews regarding the same issues with this company and im doing everything in my power to finally stop it so that they dont victimize anymore people.
10/26/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • GA
  • 30067
Web
on or around XX/XX/XXXX I submitted my bank statements to home point financial corp while applying for a refinance, in order to prove I had liquid assets, to refinance my mortgage, the loan officers XXXX XXXX and XXXX XXXX refused to count my bank statements. Despite the fact that they totaled over XXXX dollars and they said they didn't count. They subjectively refused my income documents and denied my application causing me to lose over XXXX in higher closing costs higher interest payments. I later applied for the same fha refinance program with another lender and was approved., I qualified as a self employed applicant in XXXX XXXX. Later in XX/XX/XXXX I tried to request another review with home point financial, but still they continued to refuse to consider my bank statements and XXXX income. I later reviewed found out they did not conform to federal XXXX XXXX or FHA lending guidlines, their practice was subjective and not objective and predatory. It was based on personal preference.
10/19/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 956XX
Web
XXXX of 2022 Homepoint did not pay my property taxes on one lot, when I brought it to their attention they said they would pay it. Then processed to change payment of my mortgage and raise my property taxes numbers to inaccurate amounts. They said they sent a check to county tax and county never received it. They deducted to from my escrow account and never paid county nor reimbursed me. Late fees were piling up. I ended up paying it out of pocket to avoid foreclosure and more fees XX/XX/2022. XXXX Ive contacted them on 6 different occasions about all of the mistakes theyve made. Have had no resolution. They tell me something different every time I call. Currently they are taking way too much for escrow. Ive calculated their error to about XXXX. A year. When my property taxes and insurance come to a total of XXXX. A year. All have been verified current with county. I cant afford to keep taking these hits. Im a widow on social security and I feel like they are taking advantage of me.
05/14/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94040
Web
Received notice from Homepoint, my mortgage servicing provider, with notice date of XXXX XXXX indicating that my flood insurance policy had lapsed and to provide details of coverage. On XX/XX/XXXX, I provided the relevant details to them ( see attached gmail confirmation ) by submitting online as requested. On XX/XX/XXXX, I received a second final notice saying they will be taking out insurance on my behalf even though I have already provided. On XX/XX/XXXX, I followed up with email to their customer support email account confirming I had already provided the details to them. I followed up again on XX/XX/XXXX. I have now received notice that they have taken out flood insurance on my behalf as of XX/XX/XXXX at my expense. I have provided the details to them already and all attempts to confirm they have what they need have been ignored. The flood insurance policy is actually part of my escrow account with HomePoint so they most definitely already have details of the policy.
03/01/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TN
  • 38116
Web
I have sent a request with my financials to my mortgage company Home Point Financial for a mortgage modification.I became delinquent on my mortgage because I was caring for my XXXX year old mom who is terminal ill and passed away in XXXX. I was responsible for her care until she recently passed. Home Point Financial didn't notify me they were accelerating my mortgage note. I haven't received mail from Home Point Financial since XX/XX/XXXX.or any other mail for my mortgage. I've contacted Home Point Financial several times to let them know I wasn't receiving my mail. As of today I still have not sent a mortgage statements or any other mail to my home address. The property foreclosure notice I received from the foreclosure attorney is not 30 days prior to the property foreclosure sale. The letter is date XXXX XXXX sale date is XXXX XXXX. I looked the Tennessee law it states the homeowner is to receive notice of a foreclosure sale 30 days prior to the sale. See attachments
10/05/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 75023
Web
In XX/XX/2018, i submitted a request to have my escrow account removed. on XX/XX/2018, my servicer, Home Point Financial sent me a secure email stating that my account met all the qualification to have the escrows removed and to allow 30 days to process. which would be at the end of XXXX. I called them XX/XX/XXXX and the CR told me that the request would be escalated to a supervisor and to call back Friday, XX/XX/XXXX. I call them back today, now they are stating that I have to resubmit my request because my 24th payment was processed in XXXX, which no one at this company told me. I spoke to the Compliance department back in XXXX about this and they told me that after my XXXX payment I can request the escrow removed. I followed their directions and all this company has done is give inaccurate and misleading information. They have not provide me with any assistance or response, other than that I have to resubmit my request. They lied about their own process.
08/03/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NC
  • 283XX
Web Servicemember
Pls see complaint # XXXX. Home Point Financial has not as of yet refinanced mortgage loan. Last time I spoke to the loan processor who was handling my case ( 2 weeks ago ), I was told everything was all set and should be closing on the loan within about a week. Now I just received an email from the company stating that a new loan processor has been assigned. This person just informed me that some of the paperwork they have already requested several times and I have provided every time have expired ( including the rate lock ) and I need to provide yet again. She also explains to me that she will need to contact upper management to " see if '' they can override the rate and keep it at what was originally agreed upon, but had expired due to their delay tactics that has kept me in this process since end of 2020 costing me thousands of dollar in interest in process. I believe this company home Point Financial is purposely delaying this process for financial gain.
04/29/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 077XX
Web
we applied for a loan through first home mortgage. it was a 203k loan. the initial amount was for XXXX after we closed our loan first home sold the loan to home point financial. we informed home point that we would not require the entire {$190000.00} as we were not giving zoning for the extension/ improvement. we borrowed a total of {$61000.00} dollars from them. we informed them of this and they told us that we have to use the entire {$190000.00}. we repeatedly told them that we were done and all that was needed was the {$61000.00}. they said that they didn't care and we have to use the full amount, and continued to charge us for the {$190000.00} sum. they also told us that we have to use the same contractor for all work even after we informed them that this contractor was no longer in business for personal reasons. we have paid large amounts of money in interest payments and nobody at the bank will speak to us. they just keep hanging up
07/07/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33176
Web Older American
To the best of my understanding, Homepoint mortgage outsources their servicing and changed their servicing agent. No previous notifications to me ( the Mortgagor ). Statements of " Old Homepoint '' still have the old address. I never received 2 very important documents. ( 1 ) Escrow statement - 2022 with a change of payment ( 2 ) Notice of change of mortgage service company. New " Home Point Financial '' claims no relationship with old " Homepoint ''. New " Home Point Financial '' has not received payments sent to old " Homepoint ''. As a result, fees are accruing. The change in payment and lost payments ( which I was never notified ) has caused a significant change in my credit with the credit bureaus. I have nothing in writing on a new address for New " Home Point Financial ''. How do I know I am sending money to a legitimate company??? All monthly statements including XX/XX/XXXX statement say to send money to old " Homepoint ''.
09/28/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33569
Web
Hello I refinanced my mortgage in XX/XX/2021 and my new service provider became Home Point Financial Corporation ( a/c XXXX ). In a welcome letter Home Point encourage me to register my account online at hpfc.com where I can among other services schedule my mortgage payments. I did so on XXXX XXXX as my mortgage payment is due on XXXX XX/XX/2021. While I have no problem registering my account online, my payment capabilities were suspended, not sure why. Contacted Home Point on Monday XX/XX/2021, but still was denied without any particular reasons. Was offering to pay over the phone, but I was not comfortable to provide my financial information over unsecured phone line. The only option is to pay via bill pay through my bank, since I don't have any available checks to send, and since I was intended to added an additional principle payment this will cause a financial harm, not to mention I feel that Home Pint discriminate against me.
03/04/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 070XX
Web
I submitted a complaint before and Home Point Financial claimed the issue was fixed which is not true. I never received a direct call from a supervisor/manager that can truly address my questions/issues. I just received another escrow analysis showing that my account is low which now means my monthly payments have increased by almost {$320.00}. Every time I call for answers I get another escrow analysis which then turns into me paying more ... .how is that possible?? I contacted the City of XXXX regarding my " past due '' tax payment notifications and they said that the mortgage company has been submitting payments late, hence they have also charged me interest. I need HELP getting someone who truly knows the business to explain why and fix all these ongoing issues, including escrow balances and interest charges. Please let me know if there is anywhere else I can raise this to, it's been months and resolution is way overdue.
09/01/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 775XX
Web Servicemember
I began contacting Home Point Financial to remove the PMI from our loan on XX/XX/2021. I received an email outlining what I needed to provide and an estimated timeline of 60 days for the process to be completed. I immediately sent the required information, receipts, pictures and money they requested for a reappraisal. They cashed my check and I waited for an appraiser to finally show up XX/XX/2021. The appraiser completed her appraisal the following week and submitted it to Home Point. I have called multiple times, sent emails, left messages and have yet to hear any kind of response on removing my PMI. I have paid XXXX and XXXX PMI which should have been removed already. I called again today and stayed on the phone for 36 minutes to be told they would escalate it and call me back. This Is absolutely unacceptable and is costing me money because they are slow to process their paperwork if they do it at all. Please help us!
10/29/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 11801
Web
Please be advised that I refinanced my home through XXXX XXXX XXXX XXXX with their representative XXXX XXXX and XXXX XXXX the attorney representing Home Point Financial, the new lender. It has come to my attention that the loan pay off funds payable to XXXX XXXX XXXX fraudulently was misdirected to an account controlled and owned by XXXX XXXX XXXX and or XXXX XXXX called XXXX XXXX XXXX instead of XXXX XXXXXXXX XXXX. This fraud has resulted now in their existing two competing mortgages on my property. I have been told by the title company XXXX XXXX XXXX that XXXX XXXX XXXX needs to put forth an immediate title claim as their existing lenders. But XXXX XXXX XXXX refused to put in a claim stating that Home Point Financial who did the refinanced would have to put in a claim, which XXXX have contacted Home Point also and have requested Home point to file a claim. But Home Point Financial refused to put in a claim as well.
09/21/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • VA
  • 22206
Web
I was financially impacted by COVID-19 and had trouble making mortgage payments. My mortgage servicer, Homepoint Financial, offered a forebearance and a subsequent HUD backed Partial Claim which deferred missed payments to the maturity of my mortgage. Homepoint sent me the partial claim documents to get sign and get notarized. The first set of documents were inaccurate and included a former lien holder. The second set of documents were signed and notarized and sent back Homepoint. Homepoint rejected the documents because the notary seal was on the left side of the page instead of the right. Homepoint sent me a third set of documents and I returned those as well. Homepoint rejected these documents and stated the state of Indiana was crossed out without initialing by notary. As an attorney, I requested the notary to initial and he did. Homepoint will not provide customers copies of the mortgage documents they provided.
10/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • XXXXX
Web
I have tried several times to fix this issue with XXXX XXXX they are reporting a higher incorrect balance than what is owed to the credit bureaus negatively impacting my credit. Also HOMEPOINT FINANCIAL when I accepted the covid19 forbearance sent me a letter stating that this would not impact my credit. Although I have never paid my mortgage late at this time my fico for mortgage is XXXX as if I have a delinquent mortgage account. I was deceived by the information they provided stating that they would not impact my credit this is a deceptive lending practice .I have disputed the account several times with XXXX they also report false information and do not investigate and correct the matter. I have contacted the OCC and have been advised legal counsel on this ongoing charade and will act if not resolved immediately.I have included a homepoint financial statement with the correct balance owed that should be reporting.
07/21/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • OH
  • 44256
Web Servicemember
I paid off my loan with Home Point Financial over a month ago and they shorted me on the amount of escrows they owed me. I am owed still over {$4900.00} dollars which I have called several times and they said they don't know where my escrow money is and I have been waiting weeks to get my refund back. I feel like there is something very deceptive going on with my escrows over {$4900.00} I believe might have been stolen or embezzled. I am a veteran and need help to get my money back. I have made several call ( hours of my time on hold ) and keep get the run around saying they don't know where my money is.I paid my loan off on XX/XX/20. The loan number is XXXX and their phone number is XXXX This company keeps saying they sent my money off to pay property tax knowing that I had a XXXX balance due with the county. Please help, I have repeatedly tried to get this issue resolved with Home Point Financial.
01/10/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TN
  • 38116
Web
I contacted Home Point Financial and spoke with XXXX, ID # : XXXX in the Loss Mitigation Department asked if the payment was due for XX/XX/2020 since I had completed the 3 trial modification payments. XXXX told me that " he could not tell me I needed to pay or not pay XXXX note since i had received The modification agreement because it was due for XX/XX/2020. However, you have to pay where you live. '' I asked him to explain that to me because I was confused -- either I needed to pay for XXXX or not. The loan modification letter states payment was due for XX/XX/2020 so I was only trying to get clarification. He repeated this to me. I asked him if I could speak with a supervisor because I wanted to make sure that I was going to be okay with my mortgage. XXXX advised that a supervisor was not available and took my name and phone number and said it would 3-5 days before a supervisor could call me back
06/26/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27560
Web Servicemember
I paid my payment to XXXX XXXX on XX/XX/XXXX. XXXX XXXX was being brought out by Home Point Financials. On XX/XX/XXXX, I called Home Point Financials to see why the money was still in my account {$1700.00}. I was told it takes 2-3 business days before it will be removed. On XX/XX/XXXX, I called Home Point Financials again because the money was still in my account. On XX/XX/XXXX, The money of {$1700.00} is taken from my bank account. Next I receive a letter that I three months behind -- default on my loan (XX/XX/XXXX XX/XX/XXXX andXX/XX/XXXX ), Next I check my credit report and it states I am late XX/XX/XXXX and XX/XX/XXXX on my Mortgage all three credit bureau. XX/XX/XXXX was not even due and it is reporting late on all three credit reports I write a letter to Home Point Financials to complain and asked that incorrect reporting is removed from all 3 credit bureau -- three time. Twice they said no.
12/05/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • FL
  • 33458
Web
I experienced a hardship that caused me to fall behind on my mortgage. Shortly thereafter the XXXX pandemic hit and my hardship was compounded. I am not sure if I was ever given the forbearance. I was not given any post COVID assistance. My lender did not make me aware of any assistance that was available. My lender then had me served foreclosure papers XX/XX/2022. I had my attorneys office send a research request on XX/XX/2022 asking for all correspondence advising of XXXX XXXX available. They have not responded and will not answer any questions regarding the handling of my loan during the pandemic. I am now in foreclosure and at risk of losing my home and my lender will not explain why they did not help me or even advise of available assistance. Now I am in foreclosure and incurring legal fees that I believe was unnecessary if I would have been able to take advantage of assistance. Thank you.
03/29/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30066
Web
When I refinanced my home with Home Point Mortgage I feel that my Escrow money was miss managed. The first year after that my mortgage payment went up almost {$300.00}. I realized that my taxes and insurance did go up so after long discussions with them about the shortage from the loan I paid. Now this year they say I am almost another XXXX in the whole. Taxes and insurance according to them went up by XXXX for the year. I will now be paying {$600.00} dollars more a month for the same fixed rate mortgage that I got XXXX years ago. The price hike is over 2 years. This companies shareholders sued the company and won. I see where other customers with the same mortgage provider are suffering the same problem. I would like to know how to go about stopping this ridiculous increase without sufficient evidence that they have not done something wrong when the loan started and miss use of escrow money.
02/27/2022 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • OR
  • 97045
Web
Homepoint Financial has been refusing to remove our PMI when we are more then 80 %. I began requesting removal since XX/XX/2021, Ive submitted the documents, we had the XXXX come by XXXX XXXX. Homepoint received the information and weve called and have not had it removed, Ive called and documented what we have been experiencing and Ive told them what is napping is unethical, since they are holding on to our PMI and not removing it. It should have been removed in XXXX and now we received a letter stating our loan will be transferred to XXXX XXXX! This is a high risk loan service with for those whos credit is questionable. Weve never been XXXX, have always paid, never missed a payment, we have high credit scores, And! We noticed our interest rate is different! We signed FHA not a variable. We have been treated unfairly and cheated by XXXX Financial. This falls under the XXXX XXXX. Please, advise.
02/14/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • AZ
  • 85041
Web
I requested mortgage forbearance back in XX/XX/2020 to my mortgage company Home Point Financial. Forbearance was granted for 5 months. I started giving monthly payments again in XX/XX/2020. I requested a loan modificaron so the amount past due could be added to the end of the loan. My request was approved in XX/XX/2020 after I signed and mailed all the documentation. In XX/XX/ 2020 I started the process to refinance my loan with another mortgage company. This company is asking me for the loan modificaron documentation to be able to process the refinance. I have been asking Home Point Financial for this documentation since XX/XX/2020. I have called them approximately 6 times. Home Point Customer service representatives tell me the request has been submitted and I should recieve my documents by mail. To this date I haven't recieved them and haven't been able to continue the refinancing process.
12/11/2020 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 14150
Web
When Covid-19 hit I chose to do a Forbearance on my account. The forbearance ended and I began making payments to catch up, and I was told there was not credit report action being taken since I was in forbearance and making payments. On XX/XX/XXXX I called to make a payment of {$1800.00}, which I accidentally had come out of the wrong account, however I called on XX/XX/XXXX to fix it. I was reported as 60 days late on my credit report, which is incorrect based on what the agents have told me. The agents told me on XX/XX/XXXX that I was only 30 days behind and that {$1800.00} would catch me up to being current. I called today to find out why I am being reported to the credit report for being over 60 days late when that is not correct. No one has been able to explain this to me the same way twice, and I have been in a financial hardship with them which was supposed to suppress credit reporting.
08/05/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 955XX
Web Older American
In XXXX I asked home point mortgage for a forbearance on my home loan for 60 days On the XXXX of XXXX I went into homepoint financial webpage and tried to pay my mortgage- I had to take off the forbearance and then thought I made my mortgage- because I was supposed to call someone at hpf I thought I was done. On XX/XX/XXXX I went in to make sure my autopay was on but found out my payment didnt go through - Id I made XXXX XXXX and XXXX payment then. HPF is now marking me 60 days late on my mortgage which means my credit score dropped 70 points and I can not get another mortgage for at least a year. On XX/XX/XXXX governor XXXX proclaimed that mortgage companies would not report people late on their mortgage- Ive called the company and written letters to the credit report agencies- Im asking for anyone that was in forbearance to not have their lender report them as late Thank you XXXX XXXX XXXX
12/23/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WA
  • 98229
Web
XXXX XXXX XXXX our escrow account by making two XXXX real property tax payments to XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX between XX/XX/2022 and XX/XX/2022. We have contacted the title company that paid the remaining property taxes in XX/XX/2022 when we closed on the property, and have contacted XXXX XXXX XXXX XXXX via phone email and XXXX mail XXXX communicate these errors, and they have still not corrected the payment errors. We have been dealing with this since XX/XX/2022. We sent a notice of error on XX/XX/XXXX via email and XXXX certified mail to both XXXX and Homepoint Financial mailing addresses. Homepoint Financial acknowledged the email Notice of Error on XX/XX/2022. The amounts in dispute are {$690.00} and $ XXXX payment errors have shorted our escrow and Homepoint has assessed an additional approx {$400.00} a month in mortgage payments because of THEIR PAYMENT ERRORS
05/17/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92887
Web
My prior mortgage servicer ( HomePoint ) made a mistake when calculating my escrow balance needed during the year 2021. They have since admitted to this mistake to my current mortgage service provider. This caused an overage in my account in which they refunded to me that year as well as me paying insufficient amount due to their miscalculation. During the next fiscal year, my load was sold to XXXX, who assumed all the obligations and payment info with no checks into the balance of the escrow account. During XXXX 's yearly escrow analysis they noticed the escrow discrepancy and informed me of the severe shortage. I reached out to them and they informed me that the cause of error was in fact done at HomePoint. Through their complaint process we reached out to HomePoint to rectify the situation and refund the amount they admittedly miscalculation but have since neglected to rectify.
02/11/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 79938
Web Servicemember
Mailed XXXX mortgage payment to Homepoint Financial. Payment was cashed XX/XX/XXXX, however online my account said Paymwnt Complete {$0.00} instead of XXXX which was the regular payment. I began calling and finally around the XXXX Homepoint located my payment- it had been applied to another customer 's account on accident. I was told it would be corrected within 24 hrs. XX/XX/XXXX it still had not been corrected, spoke with a manager XXXX, he assured me he would get with the director and correct it. XX/XX/XXXX I made my XXXX payment but it was applied to XXXX because they still had not corrected my XXXX payment. Calling daily. Managers never call back. XX/XX/XXXX and payment still has mor be corrected and now I see it has been put ad a missed payment on my credit reports. As well, I am paying interest daily on that money. Can not get any resolution from Homepoint Financial
06/05/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 94403
Web
Home Point Financial incorrectly reported my account as delinquent ( past 30 days ) to the credit agencies. I already was notified by the agencies that my rating has dropped considerably due to this and I can verify this by logging into such services that show that. HPF is not answering their phones as I have tried to call multiple times this week. They are not responding to emails when they say they will within 24 hours. That time limit has come and gone. And apparently, I was not alone in having my rating trashed. Apparently, they submitted delinquencies on many accounts that they service due to some ridiculous error that never should have happened. A credit rating is not easy to repair and they have done great damage to my previously stellar rating. What can be done about this? Here is an article giving more details not he matter : XXXX XXXX XXXXXXXX Thank you.
07/19/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NJ
  • 081XX
Web
I had a hardship of losing employment and also has loss if income on top of losing employment. I applied to New Jersey 's hardest hit fund with the direction of NJ Legal Services back in 2017. I was approved by NJ Hardest Hit Fund, but they had to decline me because my lender Homepoint financial decided not to accept the funds. I did call Homepoint to ask why they didn't accept the funds that were coming and I wasn't given an answer as to why they didn't. This could have prevented me from being in foreclosure. I did attempt a loan modification in which they stated they couldn't help, but I know there are additional programs for those who have FHA backed home loans. I never got the feeling that they go above and beyond for their borrowers. Any assistance I tried to get from them was shot down. I have recently reached out to HUD so that I can get the assistance I need.
05/16/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 338XX
Web
On three separate occasions, I have sent extra monies to Homepoint Financial, XXXX XXXX XXXX, XXXX, XXXX, XXXX. Extra monies were earmarked for Escrow only ( XXXX XXXX ). This amount was applied towards principle although it clearly stated in the memo selection, ESCROW ONLY. In XX/XX/XXXX, the same thing occurred although this time, it was listed as PAYMENT UNAPPLIED. Date was XX/XX/XXXX. It was finally rectified on XX/XX/XXXX. I advised then that I would file complaints if they didn't get their act together. The persons involved in applying these payments needs to pay careful attention to what is in the memo section. Same thing before on a principle payment prior to XX/XX/XXXX. Three payments, all applied to the wrong account portions. I should not have to contact Homepoint each snd every time that i send extra monies because someone is derelict in their duties.
04/15/2020 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • AZ
  • 850XX
Web Servicemember
On XX/XX/15 I called Home Point Financial ( my mortgage servicing company ). I inquired about a deferral where my mortgage payments could be added to the back of the loan. The individuals ID I spoke with was XXXX. She said they could offer forbearance with a lump sum due at the end of the period. She said Home Point Financial is not allowed to offer deferrals as it " alters the terms of the loan '' and is against the law. I am an XXXX XXXX and my hours have already been cut significantly and I anticipate my hours to be cut more or even reduced to XXXX due to the COVID19 impact on the client I work for. In addition, since I bill under an XXXX I can not collect unemployment. My loan is a VA loan and as I understand it, mortgage payment deferral should be an option for me. Please help. I am willing to provide whatever information you need to assist. Thanks
08/14/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • MD
  • 20748
Web Servicemember
What caused me to get behind on my mortgage payments was you HOME POINT FINANCIAL never allowed me to make or would receive my trail payments, see attachment dated : XX/XX/2020, and BLOCKED me from any online access even to this date. I dont get it I am a US Veteran of the XXXX XXXX, XXXX XXXX XXXX XXXX ) Honorably Discharge with XXXX, married with XXXX children ( XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX ) to care for. My income is stable I am more than capable of making my mortgage payments. I am resubmitting another Mortgage Assistance Application and compelled to file a Complaint to Consumer Financial Protection Bureau and/or to the Veteran Affairs on my VA mortgage loan to resolve this matter with all my correspondences that you ignored in order to reconcile your error of an approved loan modification. DO YOU TREAT ALL U.S. VETERANS THIS WAY?
06/30/2020 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • XXXXX
Web
I submitted in XXXX a application for a streamline refinance to lower my payment by lowering interest rate. I was told I was approved. My loan officer was negligent in not responding to any request, I then contacted her manager and again no response. I then submitted a email to the managing director XXXX XXXX who then escalated things and it begin to proceed. I was expected to close this month, but last week I get a email from the loan processer after almost 3 months and several escalations only to be told they somehow listed this as a 2nd lien and it should be a first. The only thing I can see is currently they are making money on the higher interest rate therefore delaying me getting a refinance done which will save me money. This is a unfair and deceptive practice and Home point financial should be reviewed and fined for these types of practices.
07/10/2020 Yes
  • Mortgage
  • VA mortgage
  • Closing on a mortgage
  • NC
  • 28027
Web Servicemember
Homepoint Financial is supposed to be handling the closing of our home on XX/XX/20 and they have not communicated or completed our closing process. Our real estate agent, title company representative, and the settlement lawyer have tried contacting Homepoint through email and by telephone over the past month and have received minimal responses. We have sent the same requested documentation multiple times and then are told we have to send the information again. The level of incompetence and mishandling of information is overwhelming and has caused our family undue hardship both financially and physically. Homepoint Financial needs to be held accountable for their completely unethical and incompetent handling of financial and personal information. We would hate to have another family go through what we have experienced with Homepoint Financial.
08/24/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IA
  • 528XX
Web Servicemember
Contacted HPFC numerous times regarding tax bill disbursement. HPFC provided an auto generated reply stating the bill would be paid but for a different amount and with a past date. The bill was higher than what was anticipated to bill due to an error with the XXXX county assessor. I informed HPFC of this and made a payment to the escrow account for the shortage. My bill was increased by XXXX with no insights or documentation for the increase. Prior amount was XXXX and bill now shows XXXX. This conflicts with my statement and HPFC can not provide an insight as to the difference. The asesor has also fixed the issue to document my taxes now being due in the amount of {$1000.00} which is less than HPFC estimated amount of {$1500.00}. This should lower my total monthly payment. Ive contacted HPFC numerous times to resolve and no success.
02/04/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • PA
  • 17406
Web Servicemember
My loan was sold by Home Point Financial ( XXXX ) to XXXX XXXX ( XXXX ). Somehow my mortgage balance owed jumped from $ XXXX to $ XXXX. Based on the documentation that I am submitting, you will find that basic math will support that this is either an impossibility or something fraudulent is going on. As of a statement from XX/XX/XXXX, my principal balance was {$130000.00} A second random statement from XX/XX/XXXX, my principal balance was {$130000.00} A third random statement from XX/XX/XXXX, my principal balance was {$130000.00} Even my ending principal balance ( according to my XXXX XXXX XXXX ( XXXX ) was {$130000.00}. So how is it that I now have received a XXXX XXXX XXXX with a principal balance of {$130000.00}, and a XX/XX/XXXX statement reflecting an Outstanding principal balance of {$130000.00} Please help, XXXX XXXX
04/08/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 02121
Web
My mortgage lender failed to submit payments for my property taxes, leading to accumulating late fees. I have contacted them several times, both via phone and email. When contacting them via phone, they requested that I email the tax bill so that it may be addressed. However, they failed to pay the bill or respond to any of my emails. As a result, I ended up paying for the taxes with my own credit card. Additionally, they have failed to respond to my messages regarding the annual payment of my home insurance, which is due on XX/XX/20. I would like to avoid late fees and may therefore make the payment on my own ; however, this would mean that I would be overpaying my mortgage ( given that it is inclusive of the insurance payment ) and am unsure how or if I would ever receive the refund or have my monthly mortgage bill adjusted.
11/03/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • OH
  • 431XX
Web Servicemember
I lost my job as a result of Covid-19 and placed my HomePoint VA mortgage in forbearance. I secured new work and began making my payments again in XX/XX/2021. I began looking at refinance / VA XXXX options to get current again. I continued to make payments and payments were accepted by HomePoint towards my mortgage debt. HomePoint returned my payment for XX/XX/2021 knowing this would disqualify me for the 6 months of on-time payment requirement in order to secure refinancing from a new lender. HomePoint has deliberately sabotaged my refinance options and at this point I am now unable to refinance my loan away from HomePoint. Refusing to accept payments, even if just to put in Escrow, was a deliberate and malicious act by HomePoint Mortgage and they should lose their ability to service any and all VA mortgages moving forward.
11/18/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95835
Web
Please also refer to complaint # XXXX for more info. On XX/XX/XXXX HomePoint Mortgage took ownership of our mortgage. On XX/XX/XXXX, the account is noted that taxes are paid in full with XXXX XXXX. They state that in XX/XX/XXXX, prior to selling the mortgage to XXXX XXXX ( effective XX/XX/XXXX ), they sent a tax disbursement to XXXX XXXX of XXXX. XXXX XXXX never received this payment and there are absolutely {$0.00} paid towards our property taxes while Home Point Financial services our mortgage. We are now, one year later dealing with the escrow account deficiencies because over {$3700.00} is missing from our escrow account, that it appears Home Point mismanaged. Home Point Financial owes {$3700.00} to XXXX XXXX for our escrow account to fix this error that is causing substantial financial impacts to me and my husband.
03/17/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 77008
Web
My monthly payments for my mortgage went up by > {$200.00} without a clear explanation from the lender ( Home Point Financial ). The increase is due to the escrow payments. When I called them, they could not clearly explain the reason for the increase. The Loan to Value on the mortgage is less than 80 %. I have asked them to explain the reason for the increase : they have been unable to explain the increase. I asked them to end Escrow on the mortgage, and to leave me responsible for paying the Taxes and Insurance on the mortgage. They have FAILED to explain under what circumstances a loan may qualify for removal from the escrow system. On the XXXX XXXX, when I called again asking to be removed from escrow, they dropped the phone on me. They have confused, lied, omitted and ultimately tried to bamboozle me.
08/20/2019 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33844
Web
Once again Home Point is reporting inaccurate information to the credit bureau that I am behind on payments. It is a very frustrating process, because i have sent them proof from my bank statements showing the deposits made to Home Point for my mortgage payments for the months they reported me missing and yet they still reported wrong information on my credit report. It has already been a prolonged process with them in the approval of my loan modification which thanks to you it was finally approved after a year in a half. However it seems after one thing is finally resolved, another issue arises and its always a mistake on their end and unfortunately I am paying the consequences for their mistake while they offer no sympathy and no initiative to resolve the problem. I am so ready for this to be done and over with.
11/17/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AL
  • 365XX
Web Older American
Our home was damaged by XXXX XXXX. Our insurance money goes into escrow with Homepoint Financial. We have submitted photos of work completed and previously received reimbursement for work we have had to pay immediately to contractors. Now the mortgage company wants an inspection. We understand ; after making the request for inspection in late XXXX and speaking to many Homepoint agents including XXXX, XXXX, XXXX, XXXX, and XXXX. The initial request was not made or documented by Homepoint according to XXXX. Once made, we never got a confirmation for inspection. We need our funds because contractors must be paid and we have exhausted credit cards, pension funds, and our sons ' college funds trying to cover rebuilding costs because Homepoint will not address this issue to inspect and provide escrow funds.
01/25/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WI
  • XXXXX
Web Older American, Servicemember
Until end of year 2020 I have always received a check made out to me and the City Treasurer for real estate taxes from my escrow account. I did not receive a check in XX/XX/2020. Upon contacting the mortgage company I was informed, on two occasions, that a check was sent directly to the city. That's very unusual. In fact, a rep from company said it was sent to the city because the city sent them an invoice ; no so. He obviously didn't know what he was talking about. The city treasurer 's office has no record of receiving a check. Consequently, I had to pay my 2020 property tax out of personal funds. The attached file containing the escrow statement is how Home Point Financial responded to my first call. The WORD doc is their answer to my second call. Lately, Home Point has been unresponsive.
09/20/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • IN
  • 46158
Web
This is now my 4th complaint with NO resolution and cooperation from Homepoint Financial. Since my open / current complaint on XX/XX/2020 I now have yet another issue with this mortgage company. As directed by my housing councelor, and the state of indiana HUD ( indiana Hardest Hit Funds ) I began making my regular mortgage payment as of XX/XX/2020. My payment of {$830.00} on XX/XX/2020 was received, accepted and posted to my mortgage account. My payment of XXXX on XX/XX/2020 was received and rejected and sent back to my bank on XX/XX/XXXX. My housing councelor has made several attempts to contact Homepoint Financial without any success. We are preparing a letter to send to the state senator for review of our ongoing issues since Homepoint Financial took over my mortgage from Stonegate Mortgage.
05/03/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 93010
Web Older American
I have been paying my mortgage payments to XXXX XXXX XXXX XXXX on time for many years. My account was clean with them. Now we have new loan handler " Home Point Financial '', XXXX XXXX XXXX , XXXX , NJ XXXX ''. Their new statement says that I owe {$61.00} ( Overdue amount ). I asked them to clarify the statement. They have send me the e-mail saying that I owe them from XXXX XXXX and XXXX XXXX I paid {$2300.00} on XX/XX/XXXX but due to some reason they have no record of receiving the XXXX XXXX payment. I talked the agent and paid XXXX ( wire transfer ) and got the confirmation # XXXX that my account is clear. I paid on XXXX and XXXX and XXXX on time. THE PROBLEM : The new company is not cooperating in correcting the problem. I need help.
06/14/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MD
  • 21740
Web
What is the reason you have closed my complaint # XXXX? I indicated that I was not satisfied with the response. They have only made things worse so far. Please review my notes and comments and responses. One department at Home Point is telling me the reason the taxes weren't paid is because they were not on the settlement statement and that upon running an escrow analysis they found there is a shortfall in the escrow account. Another department sent me a refund check for what I paid in taxes. However they indicate there is a shortfall in the account so why would they send me a check if there is a shortfall? Additionally the escrow analysis seems to have errors. But no one seems to be able to address this with me. I need someone to get my account straightened out. This is ridiculous.
02/23/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33157
Web
Homepoint Financial Paid my new insurance carrier ( I switched carriers ) on XX/XX/2022 for two insurance policies -Homeowners policy {$2300.00}, Wind {$1100.00}, and assumed a third policy from my previous agent for Flood {$1900.00}, and my escrow account was negative $ XXXX. A few weeks later I added {$4500.00} to my escrow account. Meanwhile the check that was paid out by Homepoint on the XXXX of XXXX was lost, and never received by the insurance company. After many calls and an " investigation '' done by Homepoint, they had no information on the check, so they paid my insurance carrier another {$2300.00} for the lost check, out of MY ESCROW and now I'm out ANOTHER {$2300.00}!!!!!!!!!!!!!! Homeoint financial double paid my carrier and lost one of the checks and stole {$2300.00} from me.
06/28/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30096
Web
Home Point Financial has reported a default on our home loan, charged us late fees, caused undo stress, and they refuse to correct their era. Homepoint reported us in default on our loan, acknowledged it was an era, but they havent corrected the problem. We are now getting default letters. We submitted documentation from our banks, verifying payments made for XXXX and XX/XX/2018. However, Homepoint has not corrected the era and claim we didnt make payments. We have spoken to the representatives over and over again, but no one seems to know how to correct the issue. We have corresponded through letters and still the same response. Its as if they are unwilling to do the research, verify the documentation, and correct their mistake. We had a good credit score, but if this continues we want.
03/27/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MO
  • 640XX
Web
PMI was not removed when it should have been. LTV had to be 78 % or lower and completing 60 months of payments to remove PMI. Requests were sent numerous times to Home Point Financial requesting that it be removed. Finally a response was given on XX/XX/18 stating that LTV was at 68.1 percent and 70 payments had been made so PMI would be removed within 7 business days. We requested back pay for the previous 10 months that were wrongfully charged. So, already 10 months had passed with PMI not removed. PMI is still being taken out each month and it has not been removed. Home Point Financial is not communicating to the requests. We were told to email them and have not had any luck with responses. We want PMI removed and we demand back pay for the months that is has wrongfully been charged.
01/23/2018 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • NJ
  • 08094
Web Older American, Servicemember
I am a decorated XXXX XXXX veteran who is tax exempt. Notified the Mortgage company last XX/XX/XXXX yet they paid my taxes anyway. ( took six weeks to get the money back ) Then they lowered my payments to exclude taxes. Last week they paid my taxes again even after being told by the local tax collector not too and put my escrow account in default. Spoke to them on the phone emailed them sent them all of the documents to no avail. Was told by them last Thursday that I am responsible for the escrow deficit. They will not stop paying taxes even the fact that there is not enough money in the escrow account. I do not have the money to make that up and they are going to raise my mortgage payments to make up for the taxes that I do not owe. I do not know how to stop them. Need your help
07/09/2021 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30121
Web
I keep receiving harrassing phone calls from a mortgage lender Homepoint about late payment on a mortgage they just bought of mine, no payments have ever been late, it is setup for autodraft from there own website portal. NMLS ID : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX C/O Licensing XXXX, IN XXXX Phone : XXXX Toll-Free Number : XXXX Fax : Not provided Website : XXXX Email : XXXX Other Trade Names More Info : Home Point Financial ; homepoint Prior Other Trade Names More Info : XXXX XXXX ; XXXX XXXX XXXX ; Maverick Funding Corp. ( legal name ) ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Names More Info : Maverick Funding Corp ; Maverick Funding Corp . Sponsored MLOs More Info : 150
08/29/2022 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • GA
  • 30214
Web
I applied for mortgage assistance XXXX XXXX through XXXX whom told me I am approved but needs homepoint to sign the agreement form. After months of calling trying to get assistance I was told the form was signed in XXXX however the XXXX company stated that homepoint sent the agreement but not the W9 that is required to send back with the perticipating form. I am in fear of foreclosure due to this. The lady that was working on this same compl Said I cant call her about this matter. No one will give me a supervisor name and contact info to get this resolved. Homepoint is saying that they receive payments from XXXX already for other accounts and dont have to do anything on their end. However XXXX is saying that is for their sister company not homepoint directly
11/09/2017 No
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • KS
  • 67501
Web
I 'm trying to pay my morage. I went online at home point fina. it would n't let me make a payment so I call and the agent took my payment but charged me XXXX fee then said that it would be unlocked to make my next payment .. I went online again to make another payment and again would not let me make a payment .. today I call and the agent said that she could not accept my payment that it would have to be XXXX XXXX to her she was very rude when I asked for a manager she denied me a manager. saying there is nothing that can be done but to XXXX XXXX my payment and I have intel the end of XXXX to make my payment. my payments have never been returned to my bank. they bought out XXXX XXXX who is who I signed the loan papers with. and I never had a problem with them.
03/06/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 98662
Web
On XX/XX/XXXXwhen my agent called the bank to check on our offer, we received a counter. The foreclosure sale date was on HOLD per XXXX XXXX who is the file owner at XXXX. On Monday my agent sent in a new offer that was a FULL PRICE offer that met the banks net, and XXXX XXXX said she wouldn't be the person assigned. When my agent called TODAY she was told XXXX WAS INDEED still supposed to work it, but when my agent emailed her the documents she continued to write that she wouldn't work it. My agent called AGAIN today and was told that XXXX was supposed to return my agent's call, but hasn't. I'm told it has to be postponed TODAY or else there is no chance of getting the foreclosure placed on hold, how can this be okay when we have a full price offer?
05/07/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 346XX
Web Older American, Servicemember
I have had nothing but u=issues since day one trying to make payments. An earlier complain remains open unaddressed concerning the re submission of a payment they CLAIMED they never received but after I made payment submitted the first check and then charged me return fees. I have had nothing but difficulty making my current payment since their data base is non functional- see attached email and their automated attendant does not work. Trying to reach them and anyone who any type of capability during this Caronavirus ineffective. I understand that but as they continually remind people they are a BILL COLLECTOR- etc and they make that known and their response in returning or crediting money they should NOT have charged leaves a lot to be desired.
04/29/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MN
  • 55024
Web
When the COVID-19 pandemic began, I contacted our mortgage company, Home Point Financial to see if they would work with us as I was taken to half pay and my wife was furloughed, drastically reducing our income. I had been reading about other lenders working with their clients and allowing them to go into forbearance and tack on the missed payments to the end of their loan ... I was hoping for the same from our lender. The only option they offered was to have a 60 day forbearance with a balloon payment due for the missed mortgage amounts at the end of the 60 days or they would begin foreclosure proceedings ... which is creating an incredible hardship for us and doesn't make sense as to where we would come up with the funds with reduced income?
02/22/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • AZ
  • 863XX
Web Servicemember
I already have a pending complaint against Homepoint ; however, their response, though insufficient and unsatisfying, stated I have to obtain an appraisal through a Homepoint approved appraiser. For THREE WEEKS, I've called and emailed requesting information on who is on their list so that we can obtain the appraisal to eradicate the PMI. No one is responding. How are we supposed to get this done when Homepoint will not answer questions? It's almost as if they don't WANT to help us. We've spent at least $ 75K on remodeling since the home closed and we know it will appraise for enough to remove the PMI. I have copies of multiple emails and a diary of multiple people with whom I've spoken to no avail. I can not get an answer. Please HELP US.
08/16/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • XXXXX
Web
Hello, I recently purchased a home with Home Point Financial ( Loan # XXXX ) but lost my job due to COVID right after closing. I explained this to Home Point via phone call and they promised me a forbearance program, which wouldn't negatively affect my credit. However after the second month of forebearance, my credit was hit with a 60 day late! Fortunately I was able to borrow money from a relative to make up those payments and exit forbearance as I began a new job, however Home Point has refused to remove the late payment reporting, although they agreed to a forbearance program for me! Their representative even told me over the phone that it was currently illegal for them to report late payments. Is that true? Thank you very much.
04/27/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 913XX
Web Older American
I have been in the process of refinancing since XXXX of 2020. I have been told numerous times to resubmit the same documents multiple times. Everytime I ask for an explanation I don't get a response for days sometimes weeks. A manager finally tells me multiple agents with my files left the company. Not only am I concerned about mine and my wife 's personal information, I'm concerned about the interest rates changing. We've signed closing docs numerous times and have even been asked to signed docs with our names misspelled and with other inaccurate information. Today, again I was told they can't find my information and want me to resubmit the same docs I've submitted multiple times. They are also presently hold my current mortgage.
10/29/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • RI
  • 02861
Web
I have made my Mortgage Payment timely to Home Point Financial Corporation. It is the legal responsibility for Home Point Financial to pay the property tax and insurance from my escrow account in a timely manner. I received a tax bill from the City of XXXX showing a late fee due to Home Point Financial had failed to pay the taxes. I have sent Home Point Financial a Certified letter making them aware of the delinquent taxes. I have also sent a copy of this letter to the City of XXXX regarding the non payment of the taxes. I will upload a copy of the letter, the tax bill, and evidenced to show that my mortgage payments have been timely. I will also include The Certified Mail Receipts. I appreciate your assistance with this matter.
05/18/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 77095
Web Older American, Servicemember
I have a Mortgage with Home Point Financial and have been trying to get my escrow account corrected and overpayments refunded.. I am a XXXX XXXX XXXX veteran and exempt from property taxes. Home Point Mortgage continues to bill me excessive amounts which include property taxes. After many attempts to contact them and have this corrected and get refunds for the amounts over billed they are refusing to correct the issue and continue to bill me. They have also applied escrow payments to my monthly payments instead of escrow as clearly noted on my checks. I am in need of refunds for the excess I have been forced to pay. I have also requested a reconciliation report of the escrow funds and Home Point Financial will not respond.
09/23/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 92708
Web
Loan officer XXXX XXXX quoted me a rate of 2.5 % APR prior to the application but having all pertinent information for a refinance. ( My loan is already with HomePoint ) He asked that I fill out the application, and upload all my information. After one day he called back saying he misquoted me because he ran the scenario as SFR vs. my condo. Although he had this information prior quoting me the rate. After uploading all docs and review and many conversations and emails. We agreed to 2.625 % {$1700.00} in fees. They quoted and said they locked in a rate of 2.625 % {$1700.00} in fees. One day later they said they cant honor it and will price the loan at 2.75 and {$1700.00} in fees. Classic example of bait and switch.
10/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11204
Web
I had a mortgage loan from the company called Homepoint ( XXXX # XXXX ) a month before it was sold to a new creditor they reported my last payment as late when it was not. I have my bank statements showing proof that the payment was made on-time and i tried reasoning with the creditor but all they responded was with that the conducted their investigation and that they will not correct the error the late payment thats reporting is from XX/XX/2022 i sent them an email on XX/XX/2022 they did not respond on when i sent a follow up email on XX/XX/2022 they responded with in minutes saying that they will not correct the error this is ridiculous and I am furious I can only imagine how many other people this has happened to.
12/30/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AZ
  • 85326
Web
I submitted Check # XXXX for my monthly mortgage payment in the amount of {$1200.00}. It was cashed by Home Point Financial ( see attached PDF ) on XX/XX/XXXX. As of XX/XX/XXXX, this payment has not been credited to my account. The payment was not for a " suspense '' account. I have also not received via US Mail, a Monthly Statement for more than 30 days. I am not signed-up for paperless billing. I did receive notice that Home Point Financial is transferring service of my FHA mortgage to another Servicer effective XX/XX/XXXX. The loan details/outstanding loan amount provided by Home Point Financial on this notice did NOT reflect the payment in question. Thank you for reading my compliant. Respectfully XXXX XXXX
03/07/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 08085
Web
I started a new loan with Home Point Financial in XXXX of XXXX. All payments towards the new loan including the escrow account were made per the terms shared by Home Point Financial. Not even 6 months later, I am being informed that my account has an escrow shortage and therefore I am now required to pay an additional {$510.00} per month to fullfill my mortgage payment and refill the escrow account. This is Unfair and Deceptive. The amounts that I had paid into my escrow account were determined by Homepoint at the time of application/acceptance. Importantly, there has been NO CHANGE in the monthly taxes or home owners insurance. There is no reason that my amount should suddenly go up so much with no changes.
02/18/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MO
  • 64063
Web Servicemember
We refinanced our home on XX/XX/XXXX, Home Point Financial bought our loan. We paid extra money towards the principal in order to remove PMI from our mortgage payment and never had a late payment. Now that our LTV is below 80 % I made several calls and sent an email to remove the PMI. The last call was to customer service on XX/XX/XXXX I explained why I was calling and what should be done to the PMI on my loan, she put me on hold to do some research and came back to tell me that it should be removed because it's less than 78 % LTV but could not tell me why it hasn't been removed. She told me she would call me back the next day with an answer but no phone call. I come across CFPB hoping you can help. Thank you!
06/12/2021 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • CA
  • 92506
Web Servicemember
Due to covid i went into forbearance i ask for help with a modification which I was told by a home point financial advisor that it would be a better option..at the time there was a streamline option that didn't require paper work. It would allow to put the past due amount in the rear of my loan continue with regular payment and same interest rate 2.9percnt ..i went with a modification that was approved at XXXX per month 3.5percent interest rate. Which is not at my best interest. Home point financial states that the VA decided my interest rate which is not the current rate is a much higher one..now my other options are closed by home point financial and i have to accept this modification or risk losing my home
12/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 10950
Web
i made my payment on XX/XX/2022 but XXXX bank CHANGED THE LOAN NUMBER IN XXXX without any notice to me the payment was returned that caused that bank claims i was missing a payment after the payment was returned the bank reported my late payment to the XXXX credit beuros, this is after the only problem was the bank it self!! I tried contacting the bank they simply laughed at me and didnt XXXXXXXX XXXX help!! i was totally abused by the bank this is affecting me day to day bases as i can not get a new loan for a different property i have attched the XXXX bank satments proof they changed the loan number for the same preperty adress and proof of payments from XXXX bank and the returen that i was not awaere of
10/04/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NC
  • 28270
Web
I am in covid forbearance and company is demanding intimate details of my loss before approving my forbearance. They are violating the CARES act by demanding this information and it needs to stop immediately. Below is documentation straight from the HUD website : XXXX for Assisting Borrowers If a borrower can still make their mortgage payment, request that they continue to do so. However, if the borrower requests a forbearance, a servicer must give them the forbearance requested. No documentation is required to prove the hardship beyond the borrower asserting that they are suffering from a hardship. This relief is available to anyone who has a federally-backed mortgage, regardless of delinquency status
07/04/2020 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • MA
  • 02760
Web
I contacted XXXX XXXX with home point financial literally almost 3 months ago. He assured me and my wife that this would close back in XXXX. So we would miss the XXXX payment but as usual with this company and this particular loan officer that didnt happen - my wife paid XX/XX/XXXX the total amount and all we get for excuses is that its in underwriting. This was supposed to be simple Refi no doc etc. I closed faster buying this house the first time. If they dont close by mid month I have an attorney ready to contact them be we have recorded voice mails and recordings from XXXX XXXX saying we would close in XXXX and miss XXXX payment which we didnt and Im Not playing the games. Hes a liar like the company.
08/02/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 15317
Web
I had a mortgage with Home Point Financial Corporation, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. The mortgage has been sold to XXXXXXXX XXXX I recently received notification from XXXXXXXX XXXX that they billing me for lender placed insurance passed on from Home Point. I do not escrow and have proof of insurance throughout the length of my mortgage. I have no record of the insurance and no documentation of the insurance policy, nor does the previous lender. This insurance was placed without my knowledge. I provided proof of insurance and was told that they would not initiate the lender placed insurance in XXXX of XXXX This charge just recently showed up with my new lender who is unable to assist.
02/05/2021 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • FL
  • 32065
Web Servicemember
In 2020 I was working 2 jobs. One was a XXXX XXXX in a local XXXX and one was a XXXX XXXX job in a local XXXX. Once the COVID lockdowns were put in place, I was out of both of my jobs. I asked my lender for a forbearance due to myself having no income. My lender refused, I filed a complaint with the CFPB, complaint number XXXX, and my lender agreed to give me the forbearance in XXXX - XXXX. They then allowed me to extend to XXXX XXXX, 2020. After XXXX they cut me off and refuse to let me extend the forbearance. My income is down due to people still being afraid to go out to eat causing me to get less shifts. I have inquired via internet and VA loans should receive the 360 days under CARES. Thank you.
05/11/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 301XX
Web
Ive been with Homepoint financial Since XXXX, and they have increased my mortgage yearly! Their reasoning is that they want a bigger buff in the escrow! Ive not been give any consideration about these yearly changes, Ive owned my property since XXXX and has never missed/late payment! This is the first company that increasing my mortgage yearly when the other two previous ones didnt. At these financial times I cant afford to pay these increases yearly! I would like to have my mortgage assigned to another company that CARES for their clients and has compassion during rough time. I really hope someone can take time to help me! What would happen if I dont pay the increase they are asking for?
08/29/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 27514
Web
on XX/XX/XXXX I made a payment to my mortgauge company XXXX XXXX XXXX in the amount of {$680.00}. My mortgauge was then sold off to homepoint mortgauge services on XX/XX/XXXX. The payment I made on XX/XX/XXXX was not transphered with the paper work to Homepoint at the time but I was told by XXXX XXXX XXXX that the transphere would take place on XX/XX/XXXX. So not wanting to risk a late payment since my payment was due on XX/XX/XXXX I made a payment to homepoint on XX/XX/XXXX, they with drew money from my bank account and sent a confermantion paper to me. On XX/XX/XXXX they modified my payment amount to {$0.00} and did not refund me any money and are not saying my payment is again due on XX/XX/XXXX.
09/12/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Personal information incorrect
  • CO
  • 80104
Web
I have an incorrect address on my credit report. It is listed as XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX This has caused a number of issues with a recent job I applied for as well as a home mortgage for verification purposes. I contacted XXXX and they informed me that the information was provided by Homepoint Financial. I contacted Homepoint Financial on XX/XX/2022 and described the dispute to them. I received an email response that they will review inquiries in the order they received them. I have and heard nothing back. I do not want this address on my credit report. I do not live there, never lived there and have never lived in KS. I have no idea what other issues this may create for me.
07/15/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • AL
  • 35811
Web
First they told me I couldnt have a private flood insurance, so I got the recommended insurance and I paid out of pocket for ( did not come out of escrow ). A couple of days later the private insurance company contacted me ( by email ) and thanked me for renewing. I contacted the mortgage company and they told me it was their mistake, butI would have to get my money back from the private insurance myself. Then my regular home insurance contacted me ( by email ) letting me know that my current insurance expired on XX/XX/26. I again contacted the mortgage company and still to this day it has not been resolved, nor have I been contacted by them in anyway. Ive called and used their wecare form.
03/18/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33157
Web
XX/XX/2023 Home Point Financial Corporation sent me a forced Placed flood insurance letter stating they wanted me to purchase flood insurance for my home in the amount of {$270000.00} which is more than the legal maximum amount possible for a residential home in Florida. After I purchased the maximum of {$250000.00} and both my insurance agent an I each sent then proof or coverage via fax and on the web site for {$250000.00}, the maximum, Home point is still refusing to admit I have the coverage and is forcing Lender placed coverage on me in the amount of {$13000.00}. Please assist in upholding the law and stopping them from fraudulently collecting money they are not entitled to.
07/04/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94303
Web
Hi, This is in regards to my mortgage with Home Point Financial Corporation. They are misapplying payments and making me at fault that I'm behind on payments. This has been going on since XX/XX/2017 and still not resolved. I have reached out to the company and spoke to multiple agents, managers and in house collections and in house foreclosure but still not sure what the issue is. Per my knowledge, we should be current on the loan and I'm not missing any payments. I have all the back up documents that I can share as the proof. I will appreciate it if someone can please reach out to me in regards to this matter and help me resolve the issue. I can be reached at XXXX. Thank you.
06/29/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 11768
Web
Homepoint is unfairly charging me {$130.00} for forced placed insurance coverage. On XX/XX/XXXX I mailed a copy of the my XXXX renewal to Home Point. On XX/XX/XXXX I received a letter requesting proof of coverage. I uploaded and faxed proof on XX/XX/XXXX. On XX/XX/XXXX I received a letter saying wind coverage is required. ( XXXXXXXX XXXX, who sold the loan to Homepoint, did not require wind coverage ). I purchased new coverage including wind effective XX/XX/XXXX. I complied with Homepoint 's request within 24 hours I will not pay for forced placed coverage as the delay was on the part of Home Point Mortgage. Had Homepoint notified me in a timely manner there would be no issue.
04/07/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • KS
  • 67226
Web
My mortgage company ( currently Home Point Financial Corporation, formerly Stonegate Mortgage ) provided me a notice in writing on XX/XX/XXXX that my mortgage insurance premiums would be removed when I reach a loan-to-value ratio of 78 % or lower and make 60 monthly payments. I did this, however, they kept charging me the premiums. They over-charged me by {$580.00}. They have stopped charging me, as of XX/XX/XXXX. I have made attempts over the phone, via email, and through their customer portal online to request the refund, however their response is that they looked into it, and that I'm not owed a refund. They will not tell me who I can talk to in order to appeal the decision
04/02/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33558
Web Servicemember
On XX/XX/2018my account was debited automatically in the amount of {$1900.00}. On XX/XX/XXXX XX/XX/2018 I made an additional payment of {$1900.00}. My banking intstitution placed a stop-payment for the payment on XX/XX/18( {$1900.00} ) however, the second payment made on XX/XX/18 was verified as clearing through my financial institution ( trace no. XXXX ) however HomePoint Mortgage has not applied it to my account after several attempts to speak to customer service to apply the payment. This has now reached the point where they are indicating they will report this activity to the credit agencies and have been unwilling to properly address the issue.
08/25/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95330
Web
This is regarding my ( first ) annual l escrow analysis and the resulting adjustment of my monthly mortgage payment. My monthly escrow payment will increase by approximately 60 % because the company is requiring me to start with a {$2100.00} escrow balance, which I believe is a RESPA violation - my monthly escrow amount is {$310.00}. I called the 800 # today and they just kept repeating the numbers I see on this analysis, which I believe to be unfair and a RESPA violation to now require me to have a balance upfront of {$2100.00}. Also, am I allowed to cancel this escrow account so I don't have to fund the {$2100.00} starting balance? Please help!
02/08/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MD
  • 21206
Web
My monthly Morgage payment increased by approximately $500 due to escrow shortage that XXXX XXXX XXXX require that I pay over 12 month period (in addition to my mortgage). I believe the issue is the result of Homepoint erroneously sending me a refund end of XX/XX/XXXX that should have been applied to escrow in XX/XX/XXXX which caused the shortage. After speaking to various representatives and at least 3 supervisorsecond the repayment was adjusted over 24 months. The lower amount is better however it still causes an unnecessary strain on my finances. I inquired about the refund several tines before cashing and spending the money returned to me.
01/26/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • AZ
  • 863XX
Web Servicemember
About 15 months ago, we obtained a loan for a primary residence purchase for the home next door. My cousin moved here to be next to me. Our lender- despite the appraisal coming in at $ XXXX and the loan amount being $ XXXX charged PMI. Thats 70 % of value, well below the 80 % for PMI. It seems we should never have been charged PMI. I have asked for weeks to resolve this and receive a refund ( see email correspondence below ) but so far Im not getting any positive responses and only encounter delays and deferrals to other contacts within HPC. First, was it legal to charge PMI given the circumstances? Second, we ask the PMI immediately cease.
04/26/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TN
  • 37920
Web
Servicer refused to remove PMI ( which is a violation of federal law ) after I provided verification of home value and loan being less than 80 % of that value. I provided comparables and justification and was willing to do an appraisal, but they would not do an appraisal because they say that there must be significant home improvements in order to justify the value. Such a rule from their " investor '' they say -- according to all that I have read online on federal code, there is no such justification for such rule, and that rule in this situation is causing the servicer to violate federal law. I plan to pursue legal action.
09/16/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33169
Web
My Mortgage company did not renew my home insurance policy despite my home insurance company sending them the renewal statement including the amount. I pay into escrow and has never been late on my mortgage. I did not switch mortgage companies nor the insurance company from the year prior. They brought a force placed policy in which it is very expensive. I was not aware that my insurance was not renewed, because my mortgage payment did not increase. Can you please assist with this matter. I have reached out to my mortgage company and they are telling me it is to late because the policy has been in effect for almost a year now.
12/13/2016 Yes
  • Mortgage
  • VA mortgage
  • Application, originator, mortgage broker
  • CA
  • 94533
Web
XXXX/XXXX/16, I started a refinance loan with, XXXX XXXX financial, XXXX XXXX XXXX CA. Within the first month of processing : the appraisal, credit qualification, application and pest inspection was completed. XXXX, I was asked for a military document that does n't exist, fortunately with the assistance of XXXX XXXX military personnel-I was able to prove my eligibility. 81 days later, I have not received any communication except " Required Disclosure Requirements '' must be met first before this loan can close. I believe that my file is being held until the rates change and then my loan will be charged an higher interest rate.
08/06/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 92021
Web
I have had a very difficult time with Homepoint Financial. I have tried to submit for a loan modification several times. I was told I was approved but the paper work was confusing and I never received any statement for the payment amount or date to pay. I never made any payments on a Homepoint financial modification application. I am now being told by Homepoint I can not receive a modification because of this miscommunication. I was never able to communicate to the same person which caused confusion. I simply want to save my home and be reviewed for a modification. We are over our hardship and can afford the modification.
04/15/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • CA
  • 92109
Web
I have had a very difficult time with Home Point Financial. I have tried 2 times to get a loan modification completed. I am writing they complaint and letter to appeal my modification review. I have recently been declined for a loan modification and was told because I do not have enough income to pay the mortgage. The is 100 % incorrect and I provided that in the modification package. I am currently working full time and early make {$10000.00} to {$12000.00} per month. My mortgage payment is {$3000.00}. Based on mortgage banking guidelines I have enough income to afford my mortgage and qualify for a modification approval.
07/25/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 106XX
Web
In XX/XX/2023 I was sent the annual escrow analysis for my loan. The letter indicated there are over {$7000.00} of surplus in the esctow and that this surplus would be refunded in a different mailing. As of XX/XX/2023 nothing was refunded so I reached out to the company to follow up. The representative XXXX assured me it would be refunded immediately by check. By XX/XX/2023 nothing was refunded so I reached out again to the company. The representative XXXX escalated the case with the assurance that a manager will contact me within 48 hours. As of today, XX/XX/2023 nobody has contacted me and no refund has been received.
08/07/2018 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CO
  • 809XX
Web Servicemember
Home Point Financial not managing my escrow account properly. Every year for the past 5 years my account seems to have a escrow shortage when the numbers do not add up, For example, when my Insurance and property taxes increase to {$200.00}, I get a escrow shortage bill for {$450.00}. Contacted the VA and they refer me to contact CFPB. I have requested a break down on how they arrived at those numbers, they send a basic break down but nothing showing how they arrived at the escrow shortage amount. Customer service reps for Home Point Financial were not friendly when ask to explain or break down shortage. I am concern!
07/09/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 77494
Web
Hello respected Official, I have refinanced with XXXX XXXX XXXX in XXXX. I have paid first payment to XXXX XXXX XXXX in XX/XX/2020 in the amount of XXXX loan is sold to HomePoint financial in XX/XX/2020. I have paid amount of XXXX in XXXX to HomePoint financial in XXXX XXXX however only one payment is applied to loan. I have reached Homepoint and XXXX XXXX XXXX to report the issue by mail and on phone as well. I have attached the proof. Please help me to resolve the issue and They should not repeat such type of false practice. thank you. Contact Us - Homepoint https : //www.homepointfinancial.com XXXX XXXX XXXX
04/05/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60510
Web
We accidentally paid XX/XX/XXXX mortgage payment to HomePoint Financial twice due to their holding our check past the due date. Although their response to our previous complaint # XXXX partially addressed this issue & the escrow portion of the overpayment was returned, HomePoint still owes us {$610.00} which is for the ( unearned ) interest portion of the double payment. In their response to our previous complaint they said no bank proof was provided to show double payment. This statement is not true as proof was provided on XX/XX/XXXX & again in attachment B of complaint XXXX. We have also sent numerous emails.
05/04/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30263
Web
I have for 2 years paid my escrow shortage in full. Both years my mortgage payment continues to go up even with a cushion they add in addition to my escrow. I have tried on both years to get someone to explain it to me as I have never had this happen before. I still do not understand a cushion in addition to escrow. If I am paying a shortage in full my mortgage amount should not change. Additionally, I was told I should not pay a shortage and just pay the increase. If I was to not pay and have a payment of $ 590+ a month and I pay the shortage in full and still end up paying $ 568+ a month it doesn't seem right.
07/10/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 11219
Web Older American
Home Point Financial is the mortgage company. I live in a condo and they are the mortgage company. They are only supposed to pay insurance for my apartment a total of {$300.00} a year. In XXXX they erroneously paid {$2400.00} to a different insurance company to pay for the master insurance on the whole house - an error. This was supposed to be paid by the Condo Association. I repaid them the full amount and they raised my escrow {$400.00} per month. They are not even crediting me with my regular payments - but are keeping it in a separate account. All my calls, letters, and emails have gone nowhere. Please help.
03/16/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MN
  • 55421
Web
I have a mortgage with Home Point Financial that includes an escrow account that pays for homeowners insurance that I had set up with XXXX. Home Point failed to pay the {$120.00} insurance premium when it was due on XX/XX/XXXX and the policy was cancelled. I first noticed that the policy had lapsed on XX/XX/XXXX and obtained a new homeowners insurance policy on XX/XX/XXXX and paid the new {$310.00} premium out of pocket. Since Home Point could not be trusted to pay the insurance premium on time, I asked them to remove the insurance payments from the escrow account on XX/XX/XXXX and on XX/XX/XXXX they refused.
01/20/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • NJ
  • 074XX
Web
Please refer to complaint XXXX XXXX " closed ' and the feedback provided. This remains open to me. Neither the bank nor XXXX will provide me with any proof of having wind insurance at mortgage origination. Now Homepoint ( my first loan servicer ) is sending me harrassing letters, saying I have a current loan with them requiring wind insurance. I learned that Homepoint is owned by XXXX. And both think they are servicing my mortgage ( however XXXX is the servicer ). I do not understand how this complaint is closed and welcome a phone call to better explain this situation. email XXXX or cell XXXX
08/14/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94509
Web
During the approximate 3 year life of the mortgage loan, we have been making extra payments for purposes of paying off the mortgage loan. The lender with no communication arbitrarily assigned some portion of these extra payments to future payments, ( in essence collecting interest months in advance ) and some of the amount toward principle. Once I realized that my payments were not due till XXXX next year, I contacted them to instruct them to historically apply all of the excess amount to the principle only. To date they have acknowledged my request but has not indicated that they will comply.
10/20/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IL
  • 601XX
Web
Trying to do a short sale. Package sent to lender XXXX/XXXX/XXXX - lender declined saying there was no hardship. Had client write more detailed hardship letter and resent with package on XXXX/XXXX/XXXX. Have been calling ( always put in XXXX XXXX 's voice mail with no response for over 1 month ). Also included customer service emails, which they keep saying they do n't have the information I sent many times. Home Point Financial will not respond to any communication and wo n't work with me. This has been going on for over 1 month and now they scheduled a sheriff sale on XXXX/XXXX/XXXX. HELP!!!
11/16/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NY
  • 117XX
Web
I have sent in my mortgage payments and Home Point is returning them. They first told me to send a check which I did. Then they returned it. Then they told me to XXXX XXXX it which I did. They returned it once again now stating I have to pay 2 complete months. Now I am 3 months behind and they will not accept anything other than 3 full months and need it by next week. They will not work with me at all. I spoke to a HUD office and they told me they should be accepting at least one payment so that I do not fall behind. I feel like they are doing this so they can keep adding fees to my account.
05/22/2022 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
  • FL
  • 33009
Web
Home Point Financial XXXX XXXX XXXX XXXX, GA XXXX Re : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Acct ending in XXXX Several times Home Point Financial has closed or made the website unavailable for customer to make mortgage payments timely. Whatever processing you have to do internally to update website should not start until the time to make payments has expired. You are denying customers the opportunity to make their payments within the time allotted by law. Please correct my account as soon as possible. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Tel XXXX
04/26/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60647
Web
I have repeatedly ( over three times ) asked for an accounting of how the new escrow charges assessed by the company ( HomePoint ) were calculated because they did not match the actual taxes and insurance amounts that are readily knowable ( even with a cushion ). As a result, I repeatedly asked the company to cease collecting insurance and tax amounts via escrow, and we will make payments to the insurance company and the taxing authorities ourselves. After repeatedly ignored emails, I warned them that I would complain if they did not respond. They have again failed to respond.
04/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77598
Web Servicemember
I have checked with the companies online website and they did not have an account linked to me. I have called multiple times and left messages with no response from the company. I have also reached out to my condos owner and sent the letter stating I was behind and they also stated that was inaccurate and I am up to date on all of my payments and never been late or missed. I filed a dispute with experian and they did not get it resolved. Home Point Financial does not even seem to be a real company because I can not get in touch with a real person to get to the bottom of this.
03/30/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MI
  • 497XX
Web
I submitted a complete package on XX/XX/20 for loss mitigation assistance. Called 20x to make sure all was received. It has taken them weeks to get back with me requesting more documentation. Sent in requested documentation only to get a letter back that we dont qualify for any programs. No reason why, just denied on all accounts. We want to save our home and I am now working making more money than I did when I got the mortgage but they will only tell me that now I dont make enough. I am happy to provide them what they need but the communication is horrible with this company.
06/04/2019 Yes
  • Mortgage
  • VA mortgage
  • Closing on a mortgage
  • CA
  • 92065
Web Servicemember
I gave recently refinanced my home using a VA loan. I closed escrow on XX/XX/2019. My old mortgage company " Home Point Financial '' has not refunded my escrow account and we are past the 30 day window. I have called multiple times and I have been told that a check has not been issued yet and that I need to be patient. My exact refund is unknown but I have been told by my loan officer that it is about {$4900.00}. I do not know how to move forward with this situation. I feel like I have been patient since we are on day 33 and I still have not received my money. Please help
10/31/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TN
  • 38116
Web
Received in the mail a letter from the foreclosure attorney stating my home will be sold XX/XX/2019. I'm currently in a trial modification plan and I've made the trial modification payments. How can my home be set for a foreclosure sale when I'm making payments and have provided all the requested information that my mortgage company ask me for. I spoke with customer service XX/XX/2019 and was informed they did not show a foreclosure sale date for my home, but when I spoke with the attorney office they informed me it was set for the foreclosure sale. Please Help!!!!!!
05/15/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TN
  • 38116
Web
Recently received Trial Payment plan for a mortgage modification from my servicer Home Point Financial. The modification payment is incorrect because my escrows were not figured correctly. I have changed my homeowner insurance to lower the premium. The new insurance was sent to my servicer so they would update my escrow account to reduce my monthly mortgage payment. Please adjust my mortgage payment for the correct payment including the correct amount for my escrow. I don not want to sign the Modification agreement dated XX/XX/XXXX because the payment is incorrect.
10/26/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • GA
  • 30067
Web
On or around XX/XX/2020 I applied for a refinance at home point financial corporation, despite having positive income From self employment the loan officer ( XXXX XXXX ) refused to count my income on valid file tax returns. He and his team claimed I did not show liquid assets even though my bank statements totaled XXXX, they chose not to conform to guidelines and rejected my documents. I lost 3 months finding a new lender with higher closing costs and a higher interest rate while I located another lender. Their lending practice was subjective and discriminatory.
09/19/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 91205
Web
I have a loan with HOME POINT FINANCIAL C. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and HOME POINT FINANCIAL C with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXXr - XX/XX/XXXX / XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX.
10/11/2019 Yes
  • Mortgage
  • VA mortgage
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • IN
  • 460XX
Web Servicemember
XXXX of 2019 's mortgage was paid with XX/XX/2019 's mortgage, occurring in a late payment. However, we had previously talked about this payment arrangement with HomePoint Financial ( mortgage company ) and they were aware of this occurring prior too. When speaking with HomePoint they assured me because my account was in good standing and this was a direct result of my service in the military, that the late fee would be waived and we would not be penalized. However, it was still reported to my credit after I was assured that it would not be.
03/28/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 020XX
Web
We purchased a property with Homepoint, in XXXXXXXX XXXXXXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. We submitted all the proper documents, including the insurance binder. Everything was approved, and we received the mortgage. A few days ago, we got a letter in the mail ( attached ) demanding that we add wind coverage to our policy. We also emailed Homepoint with the current binder ( WHICH THEY APPROVED!! ) and asking them to dismiss this ridiculous request. PS - I apologize about the stain on the letter from Homepoint.
12/17/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 33569
Web Servicemember
Homepoint finance has been the servicer of my account since I first obtained my property. Since origination I have had the taxes and insurance escrowed, and I have never missed a payment. I was made aware that my 2020 property taxes were never paid, and that my home has a tax lien that has been sold in auction. Homepoint financial has assumed responsibility for this huge mistake, however they have yet to resolve the issue, and I am at risk of losing my home. They have verbally agreed to pay all necessary charges to redeem my property.
10/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07105
Web
On XX/XX/XXXX, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. Unfortunately, the little issue that I currently have is that, there are two late payments showing on my mortgage account that are not right, I was never late on that account. The late payments were allegedly made on XXXX and XX/XX/XXXX, so I am submitting a complaint thru this site, expecting to get this issue solved.
10/17/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95662
Web
When refinancing my home there was a change to my impound amount at the close which caused a shortage in my escrow account. I reviewed the initial estimate which appears to have the correct amount compared to the closing document that has a lesser amount. I feel I was misled and signed a misleading document, I am now being told my escrow account is approx. $ XXXX short and am told I am responsible to pay for this. Additionally, my closing statement also does match the beginning balance of the escrow account with the servicer.
10/19/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • VA
  • 226XX
Web
Home Point Financial located in XXXX Texas refuses to give me credit for receiving my loan payoff in the amount of {$180000.00} which they acknowledge was " applied '' on XX/XX/2020. Instead they are claiming after the fact that they received it on XX/XX/2020, and are not giving me credit for the payoff payment until that date. This fictitious date change is causing me to incur additional fees in the amount of roughly {$250.00}. I have documentary evidence that Home Point Financial receive the payoff payment on XX/XX/2020.
04/29/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TX
  • 780XX
Web Servicemember
We've repeatedly contacted the mortgage company that our home is 100 % exempt from property taxes as of XX/XX/XXXX due to XXXX XXXX veterans exemption and the escrow should be adjusted to remove that amount going in there for property taxes. I sent emails sent with supporting documentation to the company XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Called the company XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX We received notice there would be an increase taken out rather than less.
03/30/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30022
Web
I did not ask set up escrow account when I got mortgage loan from HOMEPOINT. I had paid only premium and interest, which was {$1400.00} every month since XXXX XXXX until I got a letter from XXXX ( new mortgage company ) in XXXX. It was said I had {$2100.00} dues in the escrow account and I had to pay. I tried to contact with HOMEPOINT, but they refused to give me record about escrow account payment. I pay {$1600.00} ( {$180.00} extra ) instead of XXXX every month ( for 12 months ) to avoid impacting the credit score.
09/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 186XX
Web Older American
I'm trying to get a mortgage loan with FHA. The seller provided us with a mortgage servicer that told me to boost credit score with a XXXX account. I did, I got a XXXX XXXX XXXX, low amount. Bought, item around {$60.00}, as advised. Paid half of billing. We were approved for loan. Other delays came into factor, needed new well. As time went on, I forgot to pay off balance of {$9.00} dollars to XXXX. My credit score immediately showed up as dropping. Due to XXXX reporting it asap. Now, They don't want to approve loan.
12/23/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 75039
Web
Mortgage Company - Home Point Financial Corporation I paid bi-weekly mortgage payments without knowing that Home Point doesn't accept bi-weekly payments. One payment was applied to principal and the other is in suspension. I have been calling up the company for almost 3 weeks now to get this fixed. Every time I am told that this will be fixed within the next 24 to 48 hours. Nothing has been done about it till today. I have also sent several emails to their customer care email id and their supervisor XXXX XXXX.
09/15/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • VA
  • 23464
Web
I have a mortgage loan through Home Point Financial. I privately purchase flood insurance for the property which I have the mortgage through. Home Point financial has illegally set up an escrow account for the flood insurance which I am purchasing privately. I have contacted them multiple times via telephone and sent multiple faxes requesting that this unauthorized account be removed from my mortgage. They have refused. They are not authorized to collect payment for a service which I am privately purchasing.
06/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 906XX
Web
XXXX XXXX XXXX reported that between XX/XX/2018 and XX/XX/2018 I did not pay my mortgage and increased my balance by {$2700.00} to {$310000.00}. I called their number XXXX on XX/XX/18 and was told my balance was {$310000.00}. I have not been late as its on autopay and yet they have incorrectly reported to XXXX that I was late. This has caused my credit history to take a hit and my score dropped 102 points. XXXX XXXX XXXX has incorrectly reported that I was late and they should be help accountable for it.
10/01/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TN
  • 38116
Web
My first modification trial payment was due XX/XX/2019 I've made that payment. I received a property foreclosure notice for the sale of my home that is set for XX/XX/2019 from the foreclosure attorney XXXX XXXX XXXX. How is a foreclosure sale set for my home when I'm in a trial modification plan the began XX/XX/2019. Property foreclosure letter was received XX/XX/2019 and the property foreclosure sale date is set for XX/XX/2019 that's not 30 days prior to sale date as required by the Tennessee XXXX.
07/30/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • TN
  • 38116
Web
Spoke with my Mortgage Servicer today and I was informed I have a foreclosure property sale date set for XX/XX/2019. I have not received mail from my mortgage company or the foreclosure attorney. Home Point still has the wrong mail address for my mail address of which is my home address. I recently submitted financials and request for mortgage assistance and I have not received any mail from the mortgage company. I requested several times for the last year and a half to please correct my mail address.
11/13/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 10950
Web
I open two loans. Loan.XXXX and Loan. XXXX, At that time i had set up both accounts for automatic payment. I have funds in bank and can be proved. I never got confirmation on either of the account if the Auto Pay has been set up or not. When i log back in to my account online, they both still don't show if there is a Auto Pay set up. I had then called the customer Service and was assured that all is in working order and nothing to worry about. I now found 30 Day Late being reported to my account.
04/16/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60622
Web
Home Point Financial will not let you modify payments within 5 days of a payment due date or during their " system maintenance '' hours, which are 2 hours per day plus another 6 hours on XXXX. This is almost 1/5 of the month, and for people who can't modify their payments during work, the system is only available to change payments about half the time. I can't imagine what kind of system maintenance would require 20 hours per week to do. This seems like a way to limit when you can modify payments.
07/30/2015 Yes
  • Mortgage
  • FHA mortgage
  • Settlement process and costs
  • MD
  • 21221
Web
Hello I brought a home XXXX 2014 a XXXX time buyer XXXX XXXX woman and I was sold a house a complete lemon. Structural damage to my home that is so costly I will be unable to live in the home. I spent {$110000.00} for garbage. This was FHA loan but I really think the realtor was in on the scam. This house is not any good the seller moved to XXXX he hid so much with this house its unbelievable but the bugling wall with horizontal crack was right in the inspector face. I want justice in some way
04/27/2022 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • FL
  • 33844
Web
On XX/XX/2021 I refinance my mortage from Homepoint financial to XXXX. The main reason of refiancing was to lower my interes rate which did to XXXX and to pay of the florida partial laim of XXXX withc i was told they did. Apprently Homepoint did not send the payment of my partcial claim. Please I need your help how can they lie to me above something like that. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was in charge of my refinacing. something is not right. thanks, XXXX XXXX
06/04/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85205
Web
XXXX XXXX owned my mortgage load from XX/XX/XXXX to XX/XX/XXXX. They then sold my mortgage to Homepoint Mortgage. My loan number is XXXX. I got a notification from my credit monitoring company, XXXX XXXX, that Homepoint Mortgage has put a delinquency notification on my credit. I paid a mortgage payment on-line over and above my mortgage amount on XX/XX/XXXX. I've never received any paperwork showing any information on my mortgage from Homepoint, i.e. payment due, mortgage amount due, etc.
03/25/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 07719
Web
I refinanced with a new lender at the end of XX/XX/XXXX. My XXXX mortgage payment to Home Point Financial was erroneously paid twice. Once at the payoff from the refi on XX/XX/XXXX. The second time was via Auto Pay that was previously set up. They took the payment for XXXX again via Auto Pay on XX/XX/XXXX. I have called 5 times and keep getting the runaround. So far, all I have received is my escrow account balance. They still owe me {$1900.00} for paying the XXXX payment twice.
05/14/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32127
Web
Home Point Financial has failed to credit my principal and interest payment for XX/XX/XXXX and XX/XX/2018 for my home mortgage. The payment was made in full and they have returned it. They indicated that it did not include a portion for escrow payment. However, they have previously recognized that the escrow payment requirement is specifically excluded in my loan closing documents. They still are refusing payment without it and have failed to respond to written correspondence.
09/24/2023 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
  • FL
  • 33176
Web Older American, Servicemember
Homepoint has sold the mortgage. I setup my account for direct debit. As a result, my payment was made timely this time. The time I had a mortgage with two different Homepoint ( s ). They provided late notification of loans transferred and change in escrow. I continue to believe my timely record of payments are correct and Homepoint never accepted responsibility for the shortfall one month due to poor notification of escrow. They have also blocked me from their website.
05/11/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • SC
  • 29910
Web
Sir, This is a on going problem with home point financial they continue to state I havent paid them and ruin my credit. I have screen shots of Home point yet again getting my check and cashing it then stating they never got a check or holding my check past the due date. In the attached example they sent me a bill and state I have never paid when I have the on time cashed check from my online bank account. They do this with many people. Please help fix my credit ..
10/16/2022 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • TX
  • 75248
Web
My mortgage with home point financial was closed in XX/XX/XXXX and paid in full. An overpayment was made and I received notice from the company XX/XX/XXXX that I never cashed a check they sent to me. I have contacted them several times since then and the check has allegedly been sent three different times and I have never received it. I have also filed a complaint with the post office cause I either the check is being stolen or they literally are not sending it.
04/24/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 760XX
Web
Our lender did an escrow audit on XX/XX/21 which showed a surplus of over {$3600.00}. I called on XX/XX/21 about the refund check and was told it was still in process. After telling the representative that it legally was meant to be returned to me within 30 days, she spoke to a manager who told her to say it had been mailed out on XX/XX/21. We still have not received a check as of XX/XX/21. This is in line with their same practices from last year as well.
03/16/2018 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • MI
  • 48081
Web Servicemember
I opened the loan with Homepointe financial just under two years ago and my payment has gone up twice and I have not been able to get an explanation that makes sense and when asking to speak to supervisor theres never one available they Ive left three voicemails with three so called supervisors to no avail. Ive never missed a payment and I have a XXXX fica score theres no good reason for these increases if there is no one has offered to share it with me.
03/16/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 76051
Web
Home Point Financial has not paid my property taxes, which were due in XXXX, nor my insurance which just became past due. I have spoken with them three times since XXXX trying to get the taxes paid and have been assured each time that a check was being sent. However, I called the county today and they still have not received payment. So the taxes are now two months past due and I am also concerned I am going to lose insurance coverage for the property.
08/19/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • PA
  • 19151
Web
We went into forbearance XX/XX/2020 due to COVID-19. We filed for a loan modification due to our inability to resume payments as normal. The mortgage company has lost, withdrawn, or requested corrections multiple times. The last application as well as corrections was submitted though our current bankruptcy attorney 's office. They are claiming the documents weren't received in time and telling us to complete the application for a fourth time.
01/06/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 159XX
Web
Issues with Home Point Financial, XXXX XXXXharging us for additional insurance coverage that is not needed and a duplicate coverage for a condo located in XXXX, XXXX. They started charging us in XX/XX/XXXX. Weve spoken to the mortgage company and they admitted their mistake and stated they would refund and correct our monthly payments. Its now XXXX, and theyre just giving us any silly excuse to not pay and correct their mistake.
01/05/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35022
Web
There were 2 mortgages opened without my knowledge. This is clearly fraudulent. Listed below are the details of each mortgage. HOME POINT FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HOME POINT FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tried to dispute these accounts multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
06/15/2020 Yes
  • Mortgage
  • VA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 783XX
Web Servicemember
I am refinancing my HomePoint Mortgage VA loan and was advised by their representative XXXX XXXX NOT to make any more mortgage payments until the month after the closing date. Meanwhile, they have erroneously reported that we are delinquent! Not only have I contacted them three ( 3 ) times in writing about this discrepancy, but I also filed a dispute with XXXX which HomePoint refused in less than 24 hours.
07/29/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33844
Web
DearCFPB,Finallyafter2yoursoftryingtofinalizedmyloanmodificationthanktoyourinterventiontheyfinalizeditthismonth.NowthenewissueisthatontheirsystemshowsthatimissedapaymentbackonXX/XX/2018thatisnotaccurate.IhavebeendiligentlymakemypaymentsincemyloanmodificationapprovalabackonXX/XX/2018. attachedisproofofallmypaymentsnowthatinaccurateinformationisonmycreditreport. IhavesendanddiscussedmypaymentswithHomepoint.
01/05/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NJ
  • 08057
Web
Called Homepoimtn Financial in XXXX regarding coming out of Forebearance and making a loan modification to start making regular mortgage payments again. Have called back several times to find out status and have been told to continue waiting for letter from company. We have never been able to smoothly make payments or work out agreeable situations and the customer service representatives are not helpful.
07/18/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33189
Web
There is two current issues with this Homepoint financial mortagage company. First there are reporting I owe them XXXX to the credit bureaus I do not owe them this amount I owe less. This has affected my credit. Second issue is they are trying to force escrows on my mortgage account and trying to charge me for taxes that I already paid myself I sent them the receipt. This is predatory lending practice.
07/08/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 77008
Web
I submitted payment on my mortgage ~15 days prior to the mortgage being due ( payment made on the XXXX of the previous month for a mortgage due-date of the XXXX ) and Home Point Financial returned the payment on the XXXX then started stating my payments were late moving forward. The payment was processed and withdrawn by my bank then returned and Home Point is saying they did not receive the payment.
08/02/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • OH
  • 44256
Web Servicemember
Home Point Financial has been delaying giving my escrow money back after I paid off my Mortgage. They are holding back almost {$5000.00} of my money and wont give it back! They have told me they mailed it weeks ago and I still havent received my escrow refund. I think someone at this company has embezzled my escrow funds! This is the second time I am asking for help in getting my reimbursement back.
04/06/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NY
  • 122XX
Web
I have been trying to work with my lender and get help but they just keep giving me the run around. I provided them pay stubs and all the other supporting documents that they have asked for. Today they denied me because they could not verify my income. I am a XXXX employee how do they not verify my income when i sent them pay stubs to support. I am beyond enraged with their terrible service!
04/22/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 22201
Web
I received a notice on XX/XX/22 that my mortgage would be transferred from HomePoint Financial to a different servicer, XXXX XXXX, as of XX/XX/22. This appears to violate the 15-day notice requirement under 12 CFR 1024.33 ( b ). In addition, the notification did not provide any contact information for the transferee servicer, which also appears to violate 12 CFR 1024.33 ( b ).
09/21/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • XXXXX
Web
Homepointfinancial.com is mismanaging escrow accounts. They are not paying taxes or insurance on time. I have received threatening letters from both my local tax office and threats of having my insurance canceled. The mortgage company received all of my payments on time but still did not pay my insurance or taxes on time. At this time, my insurance has not been paid.
09/09/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60101
Web
During the month of XXXX I have sent the company 2 validated cashier checks for my mortgage and the claim they have not received non of the payments. I have proof of them receiving the certified mail through the us postal service. So no I am XXXX missing and migrate not paid for XXXX. I call several times a day and they tell me the same thing that they dont have it
02/16/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • PA
  • 17050
Web
The mortgage company is not paying the taxes from escrow on time. 1 ) They did not process the payments to tax authorities on time or they sent wrong amounts. 2 ) Even after multiple phone calls and escalations the problem persists. 3 ) They deducted the penalties from my escrow account although it is there mistake. 4 ) Now one of the taxes have gone into Lien.
08/26/2020 Yes
  • Mortgage
  • VA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 122XX
Web Servicemember
I have called Homepoint Financial about my credit report being reported as a debt for XXXX and XXXX when the government stated no credit reports will be affected by late payments of mortgage. They have not fixed the problem and my credit score is still showing the incorrect score and status. I also Forbearance my mortgage and they are sending delinquent notices.
07/03/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30349
Web
I went through a modification and at the end of the modification they miss placed a payment, and now is asking for me to repay that payment I've already paid. I've filed a lawsuit with the XXXX XXXX XXXX XXXX XXXX. I was able to speak with the attorney but not able to come to a resolution. I have a confirmation number as to when I paid the bill over the phone.
07/05/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30214
Web
i signed up with a state agency to get help with paying my mortgage during this pandemic time and it has been a hassle for the past 4 months to get my mortgage company to sign the agreement form and send it back in. Now after months of no coorporation the agency has declined my request due to the mortgage company not perticipaiting in the program
02/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NV
  • 89145
Web
i have been paying my mortgage bi monthly, every two weeks i get a call from home point and explaining how i get paid on the XXXX snd the XXXX of every month, bank statements to show this, they reported XXXX payment 30 days late, which is not by the letter for homepoint stating it was up to date, they sent a letter stating they will not fix it
12/28/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MD
  • 21117
Web
Able to pay part of an offered agreement to bring me up to date on my mortgage. However, part of the offer includes paying two mortgages for the next three months. This is impossible for me because doing so would be using my entire monthly income. I would not have even a dime left to cover all other living expenses. Please advise. Thank you
04/17/2021 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
  • Their investigation did not fix an error on your report
  • IL
  • 60087
Web
My mortgage was in forebarence due to COVID from XXXX at which time my mortgage was transferred to another lender. Home point financial reported to the credit bureau that I was late on my mortgage for the following months : XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX which were protected under the forebarence not to be reported as late
09/01/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 236XX
Web
Mortgage company threatens non-renewal of insurances with inconsistent dates and harassing letters every year. They tell you they are not paying your escrow and don't tell you when they do. Their customer service will not provide assistance. The insurance companies send communication to the lender and me saying the fees haven't been paid.
07/08/2016 Yes
  • Mortgage
  • VA mortgage
  • Application, originator, mortgage broker
  • AE
  • XXXXX
Web Servicemember
I was denied a refinance even though the VA explained to the lender that I qualified under intermittent occupancy based on my job being overseas. I was charged {$520.00} for an appraisal and had my credit report run while being assured by the VA and pre-approved by the lender that my loan was standard and fell well within guidelines.
06/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92337
Web
on XX/XX/2018 Home Point Financial experienced a technical issue that affected the accuracy of the information to one of the credit reporting bureaus. As a result my mortgage account was reported delinquent 30 days. They sent out a error report to the credit service but as a result my credit score went from XXXX to XXXX.
09/28/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • XXXXX
Web
This in response to complaint # XXXX. I want a copy of what this credit bureau was sent for them to mark as a inquire. From my understanding in order to pull my credit report they need a sign copy for authorization to do so. That 's what I want Provided to me. If they ca n't provide that I want it removed immediately.
02/02/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • GA
  • 30022
Web
To whom it may concern, My old mortgage company, Home Point Financial, sold my mortgage to another company ( XX/XX/2021 ), XXXX Mortgage, and the change was reflected on my credit report with a XXXX points deduction ( XX/XX/2021 ). My understanding is that such behavior should have not impacted my credit. XXXX.
04/21/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92102
Web
Home Point Financial ( https : //my.hpfc.com/ ) notified me today ( XX/XX/2022 ) that the servicing for my mortgage loan was been transfered to XXXX XXXX, as of XX/XX/2022. This is less than 15 days from today, which violates Federal law requiring notification at least 15 days prior to any transfer.
06/15/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30008
Web
I have a loan with Home Point Financial I was put on a forebearance plan and was told I could skip payments. They stopped the payments but reported me as late. When I login into the website I can not make payments or do anything else. The company is Homepoint Financial and my loan number is XXXX.
03/21/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 78414
Web
On or about XX/XX/19 made a payment which made my Loan to Value ratio 78 %. The significance of this means that the PMI should come off of my payments moving forward. I have sent several emails to the company and they refuse to acknowledge me, leaving the PMI still on my upcoming payment.
06/30/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IA
  • 52806
Web Servicemember
XXXX refuses to reanalyze my escrow account. Ive turned in documents showing my escrow is being over charged and Ive over paid now. They are refusing to make an update. This is effecting my debt to income ratio and my monthly payment is much higher than it should be by over $ XXXX.
01/04/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60053
Web
The mortgage company, I believe, is duping customers by charging a late payment fee whenever a change is made to the AutoPay process. They have already charged me twice to the tune of over {$160.00}. I strongly believe that this a fraudulent practice that must be investigated.
10/07/2021 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
  • Was not notified of investigation status or results
  • NC
  • 28027
Web
I filed a dispute in regards to a late payment on my credit report. It has been well over 30days and I have not received any investigation reports. This creditor has reported a late payment to my report and I am asking that the late payment be deleted immediately.
06/14/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 294XX
Web
Home Point Financial mortgage company falsely reported late mortgage payments. Payment due on XX/XX/XXXX, My Bank records show that Home Point cashed my check on XX/XX/XXXX, then on XX/XX/XXXX reported to XXXX XXXX that my payment was more than 30 days late.
05/05/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Credit decision / Underwriting
  • FL
  • 331XX
Web Older American
I applied for a refinance cost out mortgage in XXXX 2016. I was conditionally approved within a short time. I have not been able to close on this loan, for reasons I believe are pretext to disguise discrimination on the basis of my age, XXXX, and race, XXXX.
09/10/2021 Yes
  • Mortgage
  • FHA mortgage
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60101
Web
Hello, my name is XXXX XXXX XXXX. My mortgage company was Home Point Finacial. They have sold my loan to a new company and have marked to the credit bureau that my account has been closed. This has put a negative impact on my credit history and score!!!
03/15/2019 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 32825
Web Servicemember
I sent in a principal payment and they received it on the XX/XX/XXXX. They refuse to apply to principal until payment that is not due until XX/XX/XXXX is received. That's 3 days of extra interest on loan I am paying because they won't apply my payment.
09/12/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 11801
Web
Refinance loan was done through this lender and the lender never paid the old bank with the pay off amount. so therefore now there is 2 loans showing on my name, where the 1st one should've have been paid off by this lender when i did the refinance.
02/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • NJ
  • 08332
Web
We are currently in dispute with Home Point Financial. They have been sent an Affidavit and Invoice for violations they have committed pursuant to 15 U.S.C. 1692g. Copy of Affidavit, and proof of their receipt are attached.
05/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77354
Web Servicemember
Homepoint Financial is reporting my mortgage late XXXX days as of XXXX XXXX. Mortgage was paid in full, closed on XX/XX/2020. This is preventing me from obtaining a new mortgage and risking excessive interest rate hikes.
04/25/2021 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • RI
  • 029XX
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
09/04/2017 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
  • PA
  • XXXXX
Web
On X/XX/2017 Home Point Financial placed a hard inquiry on all three credit bureau agencie reports XXXX XXXX and XXXX without my consent in violation of statutes under the fair credit reporting act.
02/12/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 08094
Web
My home owners insurance lapsed XX/XX/18. Home Point Financial is my mortgage company, they haven't sent payment l. I have tried calling and emailing also representatives at XXXX have tried as well.
07/18/2019 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CA
  • 94544
Web Servicemember
I called over 1,000 times asking why earthquake insurance was not paid during renewal in XXXX.Four bills were sent to mortgage escrow department. I signed disclosures authorizing to pay policy.
07/01/2021 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
  • Was not notified of investigation status or results
  • NC
  • 28027
Web
Reached out multiple times to Homepoint Financial to have XXXX time late payment removed. The company was doing a conversion and switch company names. No action taking by the company.
02/12/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 79938
Web
home point financial want to keep a cushion amount or percentage of the taxes, rolled into the mortgage, in case the taxes change the next year making mortgage go up considerably.
07/24/2021 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02780
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
02/21/2021 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02780
Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
07/10/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • XXXXX
Web
XXXX XXXX XXXX is reporting 4 Late Payments ( XXXX, XXXX, XXXX, and XXXX when I was never late or even with that company. This was fixed but has reappeared on my XXXX report.
04/24/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NY
  • 122XX
Web
The lender keeps messing up on my income even when I clarified their questions. I don't know what else to do at this point and they are just trying to take my home!
03/14/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • VA
  • 23320
Web Servicemember
I was double-charged for two mortgage insurances and requested my refund over 20 times and they have denied that anything was owed to my last phone call was on XXXX
10/19/2022 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • CA
  • 94609
Web
The appraisal was paid for and the lender failed to render a final clear to close. Delays to the loan with no explanation after I delivered all requested documents.
04/27/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • XXXXX
Web
Servicing of mortgage was transferred with only 7 days ' notice. With only 7 days ' notice I need to find out how to pay the new company. This is unacceptable.
03/14/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • XXXXX
Web
This complaint is in response to prior compliants closed by the CFPB that were not resolved. Reference complaint numbers are XXXX and XXXX.
03/12/2021 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 310XX
Web
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
04/17/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NV
  • 89110
Web Servicemember
Homepoint Financial corp is unwilling to pay my insurance through escrow. My insurance is about to lapsebecause they can't do their job.
04/28/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • HI
  • 967XX
Web
Told company, told i would be given a forbarence. was not told there would be a balloon payment. No deferal option
05/26/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 339XX
Web
Homepointfinancial is refusing to apply my funds and are holding for 15 days. Highly unethical.
06/01/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32127
Web
No complete response to escrow issue. Have not applied payments tendered to account.
06/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90745
Web
THIS IS A DIRECT RESULT OF IDENTITY THEFT.
06/22/2021 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
  • Was not notified of investigation status or results
  • MA
  • 02780
Web
I was never late on this account.
01/03/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77406
Web
Late payment reported
09/01/2023 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
  • RI
  • 02907
Phone
08/22/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33771
Web Older American
08/19/2023 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • FL
  • 33024
Web
08/15/2023 No
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 07470
Web
07/14/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AL
  • 36604
Web
06/23/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WI
  • 53707
Web
06/14/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AZ
  • 85365
Web Older American
06/10/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 75189
Web
06/03/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OK
  • 73762
Web
06/01/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32164
Phone
05/21/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30331
Web
05/10/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32514
Referral
05/02/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32241
Web
04/23/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33952
Web
04/05/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33586
Web
02/16/2023 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • MO
  • 64154
Referral
02/10/2023 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
  • NJ
  • 07203
Web
02/06/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33418
Web Older American
01/27/2023 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 33141
Web Servicemember
01/26/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • CA
  • 95677
Phone Servicemember
01/17/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 75071
Web
12/20/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 13454
Web Referral
11/27/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • MO
  • 64154
Web Servicemember
11/16/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • CA
  • 90710
Phone Older American
09/28/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NC
  • 28403
Phone
09/22/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 43160
Web
08/25/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92336
Web
08/23/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 10705
Phone
08/17/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • UT
  • 84106
Web Older American
07/27/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60608
Web
07/27/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NY
  • 10705
Phone Servicemember
07/20/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 22306
Web
07/15/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NV
  • 89074
Web
07/12/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MO
  • 640XX
Web Servicemember
07/05/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 34428
Web
07/01/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32301
Phone
06/28/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WI
  • 53546
Web
06/27/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 02370
Web
06/22/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CT
  • 06489
Web
06/22/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 90260
Web
06/17/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33897
Web
06/16/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 34787
Web
06/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • PA
  • 19144
Web
05/27/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 20136
Phone Servicemember
05/20/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 01504
Web
05/17/2022 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 07203
Phone
05/12/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 90292
Phone
05/12/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 70043
Phone
05/01/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 93401
Web
04/28/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 34212
Web Servicemember
04/23/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 07016
Web
04/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • UT
  • 84098
Web
04/05/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • KS
  • 66207
Web
04/04/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • SC
  • 29527
Web
03/29/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 34637
Web
03/27/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 22124
Web
03/18/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 22124
Web
03/14/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MD
  • 20783
Web
03/12/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TX
  • 77096
Web
03/08/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 02130
Web
03/03/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TN
  • 37076
Web
02/18/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WA
  • 98272
Web
02/11/2022 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • MO
  • 64154
Web Servicemember
02/11/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 91362
Phone
02/08/2022 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
  • MA
  • 02721
Web
01/25/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • CA
  • 92117
Phone Older American
01/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60642
Web
01/10/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • RI
  • 02914
Referral
01/05/2022 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 32578
Web Servicemember
12/28/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • RI
  • 02904
Phone Older American, Servicemember
12/17/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 34952
Web
12/14/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 90630
Web
11/29/2021 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33024
Web
11/15/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 20814
Web
10/29/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NC
  • 27591
Phone Older American
10/21/2021 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
  • WA
  • 98802
Web
10/19/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WI
  • 53012
Referral
10/11/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • FL
  • 33713
Web
10/11/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 34613
Web
10/06/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60608
Web
10/04/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • WA
  • 98241
Phone
09/28/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • IL
  • 61341
Phone
09/24/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22408
Postal mail
09/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 08816
Web
09/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 08816
Web
09/14/2021 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • VA
  • 22408
Web
09/13/2021 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
  • Their investigation did not fix an error on your report
  • RI
  • 02915
Web
09/12/2021 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
  • Their investigation did not fix an error on your report
  • RI
  • 02915
Web
09/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92882
Web
09/10/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 34952
Web
09/10/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
Phone Servicemember
09/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33967
Web
09/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33967
Web
08/31/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94070
Web
08/26/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • 80134
Web
08/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33024
Web
08/20/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • VA
  • 23517
Phone Servicemember
08/19/2021 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NE
  • 68763
Web
08/12/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 01770
Web
07/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 31406
Web Servicemember
07/15/2021 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • NE
  • 68404
Web Servicemember
07/15/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NV
  • 89523
Phone
06/23/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
Phone Older American
06/22/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 34952
Web
06/15/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 34952
Web
06/14/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NC
  • 27517
Web Older American
06/12/2021 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
  • Their investigation did not fix an error on your report
  • RI
  • 02915
Web
06/11/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • DE
  • 19971
Web
06/07/2021 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TN
  • 37042
Web
06/04/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • GA
  • 30121
Web
06/01/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NC
  • 27571
Phone
05/31/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60156
Web
05/24/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 37409
Web
05/20/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MD
  • 21740
Web
05/03/2021 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • NE
  • 68404
Web Servicemember
04/12/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IL
  • 60177
Web
04/12/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32901
Referral Servicemember
04/10/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 19031
Web
04/05/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60634
Phone Older American
04/02/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • DE
  • 19707
Web
04/01/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MT
  • 59860
Web Older American
03/24/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 02021
Web
03/22/2021 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • NE
  • 68404
Web Servicemember
03/22/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 32901
Web Servicemember
03/15/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • DE
  • 19707
Web
03/10/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 346XX
Web Older American, Servicemember
03/10/2021 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • NJ
  • 08094
Web
03/09/2021 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • TX
  • 76078
Phone Servicemember
03/09/2021 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • DE
  • 19934
Web Servicemember
03/03/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92101
Web
03/02/2021 Yes
  • Debt collection
  • Mortgage debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MS
  • 39401
Web
02/28/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 07463
Web
02/24/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • IL
  • 60506
Web
02/20/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • MA
  • 02703
Web
02/17/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60443
Web
02/17/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • PA
  • 19087
Referral
02/11/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • PA
  • 16509
Web
02/01/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 78213
Web
01/26/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NY
  • 10705
Phone Servicemember
01/25/2021 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 07203
Phone
01/12/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 01119
Phone Older American
01/06/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 10952
Web
01/04/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 10950
Web
12/17/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • NE
  • 68404
Web Servicemember
12/16/2020 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 164XX
Web
12/15/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • PA
  • 19320
Web Servicemember
12/15/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 07017
Web
12/14/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 10950
Web
12/04/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60089
Phone
11/30/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
Phone Older American, Servicemember
11/23/2020 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • GA
  • 30228
Phone
11/09/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 33936
Web
10/28/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
Phone
10/27/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 13365
Fax
10/06/2020 No
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 07070
Web
10/01/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NY
  • 11733
Referral
09/30/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 93312
Phone
09/16/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 17068
Referral
09/15/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • MN
  • 55418
Web
09/12/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 32784
Web Servicemember
09/11/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 34952
Web
09/10/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 08005
Referral
08/28/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • IN
  • 46158
Web
08/27/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32224
Web
08/17/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NE
  • 68147
Phone
08/07/2020 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MA
  • 02760
Web
08/05/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 34613
Phone Older American, Servicemember
07/27/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • FL
  • 32784
Phone Older American, Servicemember
07/21/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • TX
  • 75227
Web
07/17/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Closing on a mortgage
  • MA
  • 02025
Web Servicemember
07/10/2020 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MA
  • 02760
Referral
06/29/2020 No
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 34952
Web
06/29/2020 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • CA
  • 92591
Web Servicemember
06/25/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MS
  • 39574
Web
06/15/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 34952
Web
06/15/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 34952
Web
05/28/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • 46158
Web
05/27/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • GA
  • 30214
Phone Older American, Servicemember
05/19/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • IN
  • 46121
Referral
05/18/2020 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • OK
  • 73114
Phone Servicemember
05/15/2020 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CO
  • 80911
Web Servicemember
05/04/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • PA
  • 195XX
Web
05/04/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • NJ
  • 08087
Web Older American
05/01/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • SC
  • 29910
Referral
04/24/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 93636
Referral
04/23/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TN
  • 37404
Web
04/13/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 02093
Web
04/07/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 243XX
Web
04/02/2020 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IL
  • 61109
Web
03/25/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 07063
Web
03/16/2020 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NJ
  • 07063
Web
03/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 34953
Phone Older American, Servicemember
03/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • WI
  • 54022
Web
03/06/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 75040
Fax
02/26/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92321
Phone Older American
02/26/2020 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 92584
Web Servicemember
02/07/2020 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 07063
Web
01/29/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94925
Referral
01/20/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 90623
Web
01/09/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • UT
  • 84061
Web
01/07/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MI
  • 48186
Referral
01/05/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 20610
Web
12/27/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • IL
  • 60120
Fax
12/25/2019 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • NJ
  • 07305
Web
12/17/2019 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
  • HI
  • 96792
Web Servicemember
12/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 34449
Web
12/02/2019 Yes
  • Mortgage
  • FHA mortgage
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 90211
Web
11/25/2019 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • NV
  • 89052
Web
11/15/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 44202
Referral
11/14/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • OH
  • 43147
Web Servicemember
11/06/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NC
  • 28080
Referral
11/01/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CO
  • 80016
Web
10/24/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • CA
  • 94534
Web
10/22/2019 No
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 45050
Referral
10/22/2019 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • FL
  • 34231
Phone Servicemember
10/17/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33026
Fax
10/15/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
Phone
10/10/2019 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • FL
  • 34606
Postal mail
10/08/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 92382
Web
10/04/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • ND
  • 58040
Referral
10/01/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 08816
Referral
09/25/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • DE
  • 19713
Postal mail
09/12/2019 Yes
  • Mortgage
  • VA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • RI
  • 02910
Web Servicemember
08/27/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92127
Web
08/26/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
Phone Older American
08/23/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 10952
Web
08/06/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • SC
  • 29063
Web
07/28/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92010
Web
07/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92570
Web
07/24/2019 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • SC
  • 29063
Web
07/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92010
Web
07/08/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 44875
Referral
07/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75454
Phone Older American, Servicemember
06/25/2019 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
  • NY
  • 10950
Web
06/07/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MT
  • 59008
Web
06/06/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NE
  • 68154
Referral
06/05/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NE
  • 68154
Postal mail
05/10/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • PA
  • 19382
Web
05/03/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WI
  • 54020
Web
04/26/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NH
  • 03045
Web Older American
04/19/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32955
Referral
04/17/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • KY
  • 42749
Postal mail
04/11/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32127
Postal mail
04/04/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • PA
  • 19565
Web
03/14/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem making or receiving payments
  • NC
  • 27503
Referral
03/04/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30542
Web
03/02/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MN
  • 56580
Web
02/21/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • PA
  • 19047
Web
02/21/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • SC
  • 29592
Web
02/19/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 76901
Web Older American
02/11/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 43065
Web
02/11/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • NJ
  • 08060
Referral
02/10/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 08060
Web
02/05/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 79108
Web Servicemember
02/05/2019 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
  • FL
  • 32127
Web
01/28/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 76131
Web
01/24/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AZ
  • 85252
Web
01/24/2019 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NC
  • 27545
Referral
01/13/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 76901
Web Older American
01/08/2019 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60620
Phone Older American, Servicemember
01/03/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 01720
Web
12/19/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 07822
Referral
12/19/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MO
  • 63028
Referral
12/17/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60620
Phone Older American, Servicemember
12/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92129
Web
11/29/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • IL
  • 60707
Web
11/06/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33328
Web
10/28/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 02767
Web
10/25/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MD
  • 20724
Web
10/17/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • MA
  • 02382
Web
10/12/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32127
Postal mail
10/04/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • VA
  • 23504
Fax
10/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 34238
Web
10/02/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • MA
  • 02771
Referral
09/19/2018 Yes
  • Mortgage
  • VA mortgage
  • Struggling to pay mortgage
  • FL
  • 34983
Postal mail
09/17/2018 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CO
  • 80908
Web Servicemember
09/05/2018 No
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MD
  • 20658
Referral
09/04/2018 No
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • ND
  • 58006
Web
08/30/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 91351
Web
08/28/2018 No
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • RI
  • 02852
Phone
08/23/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32763
Referral
08/20/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32707
Web
08/18/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • FL
  • 34609
Web
08/13/2018 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 78249
Web
08/13/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
Phone
08/07/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 07302
Referral
08/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • DE
  • 19701
Web
08/02/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NJ
  • 07302
Web
08/01/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • CA
  • 94591
Referral
07/31/2018 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • MA
  • 02067
Web
07/18/2018 No
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MD
  • 21117
Web
07/16/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95363
Phone
07/05/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • MO
  • 63042
Web
06/23/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60645
Web
06/14/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MO
  • 53042
Referral
06/13/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 28704
Web
06/06/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • HI
  • 96778
Web
06/05/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 95391
Web
06/05/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
Phone
06/05/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 93445
Web
06/04/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MN
  • 55113
Web
06/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 08016
Web
06/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 94518
Phone
06/04/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • TN
  • 37027
Web
06/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07712
Web
06/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07712
Web
06/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AZ
  • 85207
Web
05/30/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 28409
Web
05/25/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • IN
  • 47265
Web
05/24/2018 Yes
  • Debt collection
  • Mortgage debt
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 22039
Web
05/18/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92028
Postal mail
05/18/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IN
  • 46347
Web
05/18/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • FL
  • 32127
Referral
05/17/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NV
  • 89131
Web
05/16/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OR
  • 97470
Web
05/16/2018 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34759
Web
05/07/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
Phone
05/07/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • GA
  • 30032
Web
05/04/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • OH
  • 45050
Web
05/03/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OH
  • 43123
Web Servicemember
04/30/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92869
Web
04/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 34609
Web
04/24/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32084
Postal mail
04/19/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IN
  • 46202
Web
04/11/2018 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • PA
  • 19150
Web
04/11/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • IL
  • 60515
Web Older American, Servicemember
04/10/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • NC
  • 27302
Postal mail
04/04/2018 Yes
  • Mortgage
  • FHA mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 93636
Web
04/04/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • GA
  • 30662
Referral
04/03/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • NJ
  • 08332
Phone
03/28/2018 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • RI
  • 02873
Web
03/28/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33743
Web
03/27/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
Phone
03/19/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WI
  • 53405
Web
03/07/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 94708
Referral
03/05/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • OR
  • 97211
Web
03/02/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60610
Web
03/02/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MO
  • 63016
Phone
02/26/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • OK
  • 74014
Referral
02/23/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 91801
Web
02/21/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • KY
  • 42503
Web
02/20/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MO
  • 63026
Web
02/12/2018 Yes
  • Mortgage
  • Reverse mortgage
  • Trouble during payment process
Phone
02/10/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AZ
  • 85257
Web
02/02/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 32127
Fax
01/22/2018 Yes
  • Mortgage
  • VA mortgage
  • Trouble during payment process
  • CA
  • 91354
Web Servicemember
01/18/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 78336
Postal mail
01/09/2018 Yes
  • Mortgage
  • FHA mortgage
  • Trouble during payment process
  • FL
  • 34698
Web
12/20/2017 Yes
  • Mortgage
  • FHA mortgage
  • Struggling to pay mortgage
  • PA
  • 19541
Web
12/14/2017 Yes
  • Mortgage
  • FHA mortgage
  • Closing on a mortgage
  • NJ
  • 08077
Phone
12/07/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NJ
  • 07205
Referral
11/13/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • GA
  • 30265
Web
09/27/2017 No
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92673
Web
08/09/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • GA
  • 30220
Web
08/01/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 75023
Web
07/11/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • GA
  • 30319
Web
06/22/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • CA
  • 94550
Referral
06/07/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • MI
  • 48823
Referral
03/17/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • AL
  • 35739
Web
01/16/2017 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • PA
  • 18052
Web
10/17/2016 Yes
  • Mortgage
  • FHA mortgage
  • Credit decision / Underwriting
  • NJ
  • 08854
Web
07/29/2016 Yes
  • Mortgage
  • Reverse mortgage
  • Application, originator, mortgage broker
  • NC
  • 28461
Referral Older American
07/28/2016 Yes
  • Mortgage
  • VA mortgage
  • Credit decision / Underwriting
  • AE
  • 09853
Web Servicemember
07/27/2016 Yes
  • Mortgage
  • Reverse mortgage
  • Application, originator, mortgage broker
  • NC
  • 28461
Referral
07/08/2016 Yes
  • Mortgage
  • VA mortgage
  • Application, originator, mortgage broker
  • AE
  • 09853
Web Servicemember
06/02/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • CA
  • 94582
Web
12/08/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • VA
  • 20165
Web
11/13/2015 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • RI
  • 02920
Web
09/04/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • NJ
  • 07930
Referral
05/15/2015 Yes
  • Mortgage
  • FHA mortgage
  • Settlement process and costs
  • NJ
  • 07930
Web
02/19/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • MD
  • 21204
Web
11/17/2014 Yes
  • Mortgage
  • VA mortgage
  • Application, originator, mortgage broker
  • IN
  • 46740
Web
06/30/2014 No
  • Mortgage
  • Conventional fixed mortgage
  • Credit decision / Underwriting
  • NJ
  • 08205
Phone
04/24/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • NH
  • 03865
Web
02/11/2014 Yes
  • Payday loan
  • Can't stop charges to bank account
  • NV
  • 89523
Web
01/06/2014 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Credit decision / Underwriting
  • MI
  • 48098
Web Older American
07/17/2013 Yes
  • Mortgage
  • FHA mortgage
  • Application, originator, mortgage broker
  • RI
  • 02907
Web
07/03/2013 Yes
  • Mortgage
  • Reverse mortgage
  • Application, originator, mortgage broker
  • TN
  • 37076
Web Servicemember